BEANSTOX IS NOT A BROKER-DEALER OR A FINANCIAL ADVISOR, IT IS A FINANCIAL INFORMATION SERVICE. BEANSTOX DOES NOT PROVIDE ANY PERSONALIZED OR INDIVIDUAL INVESTMENT ADVICE TO ANYONE. PRIOR TO MAKING ANY INVESTMENT DECISION, IT IS STRONGLY RECOMMENDED THAT YOU SEEK OUTSIDE ADVICE FROM A QUALIFIED INVESTMENT ADVISOR. BEANSTOX DOES NOT PROVIDE OR GUARANTEE ANY FINANCIAL, LEGAL, TAX, OR ACCOUNTING ADVICE OR ADVICE REGARDING THE SUITABILITY, PROFITABILITY, OR POTENTIAL VALUE OF ANY PARTICULAR INVESTMENT, SECURITY, OR INFORMATION SOURCE.

The information presented in the Beanstox App and Beanstox Website is not a personalized recommendation or a solicitation to buy, sell or hold any investment or security of any kind. You should discuss the proper asset allocation and risk tolerance level that is appropriate for your personal situation with a professional financial planner/advisor. You should not make any trades or decisions with regard to investments without consulting a professional financial planner/advisor. You acknowledge and agree that any request for information by you is unsolicited and shall neither constitute nor be construed as investment advice by Beanstox. You should apply your own judgment in making any use of any content, including, without limitation, the use of any information contained therein as the basis for any conclusions. You bear responsibility for your own investment research and decisions.

PLEASE READ THIS DOCUMENT CAREFULLY

RISK STATEMENT

The information contained on the Beanstox App and the Beanstox Website is subject to change without notice.

Please also read the Terms and Conditions, Privacy Statement, and Disclaimer of Liability, which are incorporated herein by reference.

Investments in securities involve risk and are not suitable for all investors
The content we publish is, to the best of our knowledge, valid to the extent of our resources and information-gathering mechanisms. The content is distributed uniformly to all members and non-members and no specialized, personalized or individual financial advice is given to any one member or sub-group of members or non-members. We cannot assure you that the information is precise or absolute. Investments in the securities markets are speculative and involve substantial risk. Only you can determine what level of risk is appropriate for you. We urge you to seek advice from your professional financial planner/advisor and to make independent investigations before acting on information that we publish. We do not in any way warrant or guarantee the success of any action which you take in reliance on our content.
We encourage our members and non-members to invest carefully and to utilize the information available at the websites of the Securities and Exchange Commission and the Financial Industry Regulatory Authority, Inc. You can review public companies’ filings at the SEC’s EDGAR page. FINRA has published information on how to invest carefully at its website.

Other important information regarding the content on the Beanstox Website and the Beanstox App
Investment examples and comments presented are based solely on our personal research and opinions and are not recommendations to purchase or sell any security. All investors are advised to conduct their own independent research into individual stocks or ETFs before making a purchase decision. In addition, investors are advised that past stock or ETF performance is no guarantee of future price appreciation or depreciation. Subject to the section entitled “Trading by Beanstox Personnel” included in the Disclaimer of Liability, those involved with the preparation and distribution of the Beanstox App may have held in the past, may currently hold, or may purchase in the future, stock in companies or ETFs included in the Beanstox App.

DISCLAIMER OF LIABILITY

The information contained herein is subject to change without notice.
Affiliates of Beanstox advise and/or sponsor the O’Shares ETFs, and may therefore indirectly benefit from investments in the O’Shares ETFs through the Beanstox App or otherwise.

Please also read the Risk Statement, Terms and Conditions, and Privacy Statement, which are incorporated herein by reference.

No Personalized Advice
Beanstox is a financial information service. Beanstox does not provide any personalized or individual investment advice to any member. The staff members at Beanstox are not brokers, advisers, financial consultants or securities dealers. We publish information regarding companies in which we believe our members may be interested. However, the information presented in this app is not a personalized recommendation or a solicitation to buy, sell or hold any investment or security of any kind.

You should discuss the proper asset allocation and risk tolerance level that is appropriate for your personal situation with a professional financial planner/advisor. You should not make any trades or decisions with regard to investments without consulting a professional financial planner/advisor.

No Guarantees
There is no guarantee that you will not lose money, or that you will make money, by investing in securities of the companies or exchange-traded funds (ETFs) that are included in this app and related materials. Trading in securities involves risk and may not be suitable for all investors. By trading in securities of the companies or ETFs that are included in the Beanstox App, you are assuming all responsibility for the financial consequences. Losses can and will occur. Only risk capital should be invested.
The Beanstox App content and related materials are based on our personal research and opinions, news and financial data available in the public domain, or other sources that we consider to be reliable, but cannot be guaranteed to be accurate or complete.

NO WARRANTIES

ANY AND ALL MATERIALS AND CONTENT DISTRIBUTED BY BEANSTOX IS PROVIDED “AS IS.” BEANSTOX AND ITS AFFILIATES, AGENTS, LICENSORS AND VENDORS SPECIFICALLY DISCLAIM, WITHOUT LIMITATION, ANY AND ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, SUITABILITY OR FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THOSE WARRANTIES ARISING FROM A COURSE OF PERFORMANCE, A COURSE OF DEALING OR TRADE USAGE, OR ANY WARRANTY WITH RESPECT TO INFORMATION, DATA, SERVICES, UNINTERRUPTED ACCESS, OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH BEANSTOX.

Limitation of Liability
The limitation of liability set forth below is in addition to, and not in lieu of, any other limitation of liability set forth elsewhere in this document or in the Terms and Conditions, Privacy Statement, and Risk Statement.

Even if advised of the possibility of such damages, the liability of Beanstox, its affiliates, agents, licensors and vendors, if any, arising out of any kind of legal claim, whether in contract, tort, negligence, or otherwise, shall be limited in the aggregate to direct and actual damages not to exceed the fees received by Beanstox from a member. Beanstox will not be liable for consequential, incidental, punitive, special, exemplary or indirect damages resulting directly or indirectly from the use of or reliance upon any material, content, or information provided by Beanstox.

Without limitation, Beanstox shall not be responsible or liable for any loss or damages related to, either directly or indirectly: (1) any decline in market value or loss of any investment; (2) a member’s inability to use or any delay in accessing Beanstox App or any other source of material provided by Beanstox; (3) any absence or deficiency of material on the Beanstox App; (4) Beanstox’s failure to deliver or delay in delivering any material; (5) any kind of error in transmission of material; or (6) any trades made by any broker on any member’s or non-member’s behalf, whether based on information or material included in the Beanstox App, Beanstox Website or otherwise, and whether or not caused in whole or in part by the negligence of Beanstox or otherwise. Beanstox and the member and non-member acknowledge that, without limitation, the above-enumerated conditions cannot be the probable result of any breach of any agreement between Beanstox and the member or non-member.

Beanstox shall have no liability for: (1) any claims relating to any aspect of the Beanstox App, including any software, hardware, technology, equipment, information or materials; or (2) any claims that the Beanstox App or Beanstox itself meets, or fails to meet, any specific requirements, or that it will be uninterrupted, timely, secure, complete, accurate or free from errors or defects; (3) any intermittent failures to deliver Beanstox App content or related materials caused by the nature of the Internet, cellular service, or otherwise; (4) any member’s logon failure caused by spelling mistakes, Internet or cellular connection problems, software or web browser incompatibility, hardware or device incompatibility, or any other error or malfunction; or (5) any members’ denial of access to Beanstox App content due to Internet speed, cellular connection, routine hardware/software maintenance, network failures, or power or communication outages.

Trading by Beanstox Personnel
Our personnel may own positions in the equities and/or indexes that are discussed in the Beanstox App or Beanstox Website, and they may also trade in securities of the companies or ETFs included in the Beanstox App. Beanstox personnel are not prohibited from engaging in any transaction that competes with the interests of members, including any transaction that takes a position contrary to trading in securities of the companies or ETFs included in the Beanstox App.

We are not compensated in any way for publishing information about companies or ETFs included in the Beanstox App, and we do not accept any funds from any companies or ETFs to promote or recommend their securities. However, affiliates of Beanstox advise and/or sponsor the O’Shares ETFs, and may therefore indirectly benefit from investments in the O’Shares ETFs through the Beanstox App or otherwise.

Advertisements
From time to time, Beanstox may have advertising or marketing agreements with various entities and services. Any advertising or marketing materials appearing on the Beanstox App have been paid for by such entities and are solely for such entities’ promotional purposes and are not recommendations or endorsements by Beanstox.

TERMS AND CONDITIONS OF USE

By subscribing to the Beanstox App service or by accessing any part of the Beanstox App, you are agreeing as a member to accept an abide by all the Terms and Conditions presented in this document, as well as the Disclaimer of Liability, Privacy Statement, and Risk Statement, which are incorporated herein by reference.

The information is subject to change without notice.

You should print and keep a copy of this information, including these Terms and Conditions for your records.

Membership/Member Policy
Only the member whose name, user ID, password and credit card are associated with the member account is entitled to access the member area of the Beanstox App and related materials. Sharing access to the member portion of the Beanstox App with other non-paying users may result in the cancellation of your account without any refund. By using the Beanstox App you are agreeing to not republish, copy, reproduce, or distribute the Beanstox App content or related materials to non-paying users.

We reserve the right to terminate your subscription or any portion at our sole discretion, without notice and without limitation, for any reason whatsoever.

Subscriptions and Cancellations
Subscriptions are on a monthly or quarterly basis. The service/billing period is based on the day you subscribe, which becomes your anniversary date. Each billing covers the time from your anniversary date until the next anniversary date. Each subscription is billed in advance of the coming period and there are no partial term subscriptions. Each subscription is automatically renewed at each billing period unless you submit a cancellation notice by email. You are responsible for notifying us by email if you wish to cancel.

Members may cancel their subscription at any time through the Beanstox App through the Settings tab then clicking Manage Subscription. They may also cancel by contacting the DriveWealth support team either by calling 1800.461.2680 (USA/Canada) or 1.973.461.2680 (International) or email Support@DriveWealth.com. When you do you must provide your contact information (email address, first and last name, account name, etc.), and indicate your intention to cancel your subscription. You should consider your account NOT cancelled unless you receive a confirmation email letting you know that your notice was received and that your account is cancelled. No refunds will be given. If you decide to cancel, you will have access to the Beanstox App and related materials until your subscription expires.

Refunds and Fee Disputes
Due to the exclusive nature of our subscription services, your subscription fee is non-refundable. There are no partial monthly subscriptions. By using and/or subscribing to the Beanstox App content and related materials, you are agreeing to pay the Beanstox monthly subscription fees that will be charged to your credit card. Although we recognize your right to dispute erroneous charges to your credit card, chargebacks of legitimate charges will not be tolerated and may result in termination of, or refusal to renew, your subscription.

Copyright Information & Limitations of Use
All Beanstox App and Beanstox Website content and related materials are the property of Beanstox. As a member, you have unlimited access to these materials for private use. These materials may not be displayed, reformatted, printed, copied or redistributed to any other person or entity without prior written consent from an authorized representative of Beanstox. None of the Beanstox App and Beanstox Website content or related materials should be posted to social media, websites, blogs, newsgroups, discussion boards, chat rooms, email lists or similar forums without prior written consent from an authorized representative of Beanstox.

Beanstox is the copyright owner of all content, textual and graphical, contained on the Beanstox App, except as otherwise indicated. Other parties’ trademarks and service marks are the property of their respective owners. You may print a copy of the information contained herein for your personal use only. You may not under any circumstance reproduce or distribute Beanstox App and Beanstox Website content to others without the express written consent of an authorized representative of Beanstox. Use or reproduction for any other purpose is prohibited by law, and may result in civil and criminal penalties.

Acknowledgment and Agreement
Notwithstanding any other agreement or communication between Beanstox and any member or non-member to the contrary, a member’s or non-member’s receipt or use of any material provided by Beanstox, at any time and through any means, whether directly or indirectly, represents acknowledgment, acceptance and agreement by such person of these Terms and Conditions, including the Disclaimer of Liability, Risk Statement and Privacy Statement incorporated herein by reference. Beanstox makes no representations or warranties about the exactness or completeness of the information contained on the Beanstox App and Beanstox Website. Any links provided to other apps or websites are offered as a matter of convenience and in no way are meant to suggest that Beanstox is affiliated with or recommends the owners of or participants in those websites or apps, or endorses any information contained on those websites or apps.

These Terms and Conditions are personal to you and you may not assign your rights or obligations to anyone. If any provision in these Terms and Conditions is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. This agreement shall be governed by the laws of the United States of America and the state in which Beanstox originates.