Legal Agreements

By accessing or using the Services, you represent and warrant that you have the full right, power, and authority to enter into and comply with these Terms and international laws and regulations; your use of the Services will not violate any applicable law or regulation; and you will only use the Services for lawful purposes and in accordance with these Terms.

In connection with your use of the Services, you will not:

• copy, distribute, or disclose any part of the Services in any medium, including by any automated or non-automated "scraping";
• use any automated system, including "robots," "spiders," or "offline readers," to access the Services in a manner that sends more requests than a human can reasonably produce; (except that Hollis & Co grants public search engines revocable permission to use spiders to copy materials from hollisand.co solely to create publicly available searchable indices, but not caches or archives);
• transmit spam, chain letters, or other unsolicited email;
• attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Services;
• take any action that imposes an unreasonable or disproportionately large load on our infrastructure;
• upload invalid data, viruses, worms, or other software agents through the Services;
• collect or harvest any personally identifiable information, including account names, from the Services;
• use the Services for any commercial solicitation purposes;
• impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, or hide your identity;
• interfere with the proper working of the Services;
• bypass the measures we may use to prevent or restrict access to the Services;
• use our Services in a way that could damage our reputation or could be interpreted as slander or libel;
• use our Services to perform or promote illegal activities of any kind;
• use our Services in connection with any transaction involving illegal products or services; or
• use our Services in any manner prohibited by applicable law.

The Services and all materials therein or transferred thereby, including software, images, text, graphics, illustrations, logos, patents, trademarks, service marks, copyrights, photographs, audio, videos, music, and User Content (the "Hollis & Co Property"), and all Intellectual Property Rights related thereto, are the exclusive property of Hollis & Co and its licensors. You agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create derivative works from any Hollis & Co Property.

By submitting any Feedback, you agree that your disclosure is gratuitous, unsolicited and without restriction and will not place Hollis & Co under any fiduciary or other obligation, and that we are free to use the Feedback without any additional compensation to you.

"User Content" means any and all information and content that a user submits to the Services. "Content" means User Content and other content or information of any type that appears or is accessible through the Services.

You are solely responsible for your User Content. You assume all risks associated with use of your User Content. Hollis & Co is not obligated to backup any User Content and User Content may be deleted at any time.

You hereby grant to Hollis & Co an irrevocable, nonexclusive, royalty-free and fully paid, worldwide license to reproduce, distribute, publicly display and perform, prepare derivative works of, incorporate into other works, and otherwise use and exploit your User Content, solely for the purposes of including your User Content in the Services.

You agree not to use the Services to collect, upload, transmit, display, or distribute any User Content that:

• violates any third-party right or any intellectual property or proprietary right;
• is unlawful, harassing, abusive, tortious, threatening, harmful, invasive of another's privacy, vulgar, defamatory, false, intentionally misleading, pornographic, obscene, or promotes racism, bigotry, hatred, or physical harm of any kind;
• is harmful to minors in any way; or
• is in violation of any law, regulation, or obligations or restrictions imposed by any third party.

Hollis & Co respects the intellectual property of others. If you believe that one of our users is unlawfully infringing the copyright(s) in a work, please provide written notification pursuant to 17 U.S.C. § 512(c) to our designated Copyright Agent at legal@hollisand.co. Pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact in a written notification subjects the complaining party to liability for damages, costs, and attorney's fees.

Hollis & Co., Inc. may suspend or terminate your account at any time and for any reason. Upon termination, we may retain data as required by law and for legitimate business purposes.

"Authorized User" means any individual authorized by Company to access and use the Services on Company's behalf.

"Company Data" means all data, information, and content submitted by Company or its Authorized Users through the Services.

"Documentation" means Hollis & Co's user guides, help articles, and other materials made available to Company.

"Intellectual Property Rights" means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights and other intellectual property rights.

"Services" means Hollis & Co's financial technology platform, including all features, functionality, and applications made available to Company.

Subject to the terms and conditions of this Agreement, Hollis & Co will provide Company with access to the Services. Hollis & Co reserves the right to modify, suspend, or discontinue any aspect of the Services at any time.

To be eligible to use the Services, Company must:

• be a legally formed business entity;
• have a valid Employer Identification Number (EIN) or equivalent tax identification number;
• have a legitimate business purpose;
• not be engaged in any Prohibited and Restricted Activities; and
• comply with all applicable laws and regulations.

To register for an account, Company must provide accurate and complete information, including legal business name, business address, EIN or equivalent, information about beneficial owners and control persons, and bank account information. Company is responsible for maintaining the confidentiality of its account credentials.

Hollis & Co may charge fees for certain Services. All fees are set forth in the applicable order form or service schedule. Hollis & Co reserves the right to change its fees upon notice to Company.

Each party agrees to keep confidential all non-public information disclosed by the other party that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and circumstances of disclosure.

Hollis & Co., Inc. retains all right, title, and interest in and to the Services, including all Intellectual Property Rights therein. Company retains all right, title, and interest in and to Company Data. Company hereby grants Hollis & Co a limited, non-exclusive license to use Company Data solely to provide the Services.

Company represents and warrants that it has the legal authority to enter into this Agreement; all information provided to Hollis & Co is accurate and complete; it will comply with all applicable laws and regulations; and it will not use the Services for any Prohibited and Restricted Activities.

Company agrees to indemnify, defend, and hold harmless Hollis & Co., Inc. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to Company's use of the Services, violation of this Agreement, or violation of any applicable law or regulation.

Any dispute, controversy, or claim arising out of or relating to this Agreement shall be finally resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration shall take place in Wilmington, Delaware. The arbitration shall be confidential. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction.

This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws provisions.

Entire Agreement. This Agreement constitutes the entire agreement between the parties and supersedes all prior agreements, representations, warranties, and understandings.

Amendment. Hollis & Co may amend this Agreement at any time by posting the amended terms on its website. Continued use constitutes acceptance.

Severability. If any provision of this Agreement is held to be unenforceable, it shall be modified to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

Assignment. Company may not assign this Agreement without Hollis & Co's prior written consent. Hollis & Co., Inc. may assign this Agreement without restriction.

Notices. All notices shall be sent to legal@hollisand.co or 5831 Forward Avenue, Unit 801, Pittsburgh, PA 15217.

"Controller" means the entity that determines the purposes and means of processing Personal Data.

"Data Subject" means an identified or identifiable natural person whose Personal Data is processed.

"Personal Data" means any information relating to an identified or identifiable natural person.

"Processing" means any operation performed on Personal Data, including collection, recording, organization, storage, adaptation, retrieval, use, disclosure, combination, restriction, erasure, or destruction.

"Processor" means the entity that processes Personal Data on behalf of the Controller.

"Sub-processor" means any processor engaged by Hollis & Co., Inc. to process Personal Data on behalf of Company.

Company is the Controller of Personal Data. Hollis & Co., Inc. is the Processor of Personal Data and processes Personal Data on behalf of Company solely for the purposes set forth in the Agreement.

Hollis & Co., Inc. shall:

• process Personal Data only on documented instructions from Company;
• ensure that persons authorized to process Personal Data have committed themselves to confidentiality;
• implement appropriate technical and organizational measures to ensure a level of security appropriate to the risk;
• assist Company in complying with its obligations under applicable data protection laws;
• delete or return all Personal Data to Company after the end of the provision of services; and
• allow for and contribute to audits and inspections conducted by Company or a mandated auditor.

Company provides general authorization for Hollis & Co., Inc. to engage sub-processors, subject to: maintaining a list of sub-processors available to Company upon request; imposing equivalent data protection obligations on sub-processors; and Hollis & Co., Inc. remaining liable for sub-processor performance.

Hollis & Co., Inc. shall implement appropriate technical and organizational measures to protect Personal Data, including encryption, ongoing confidentiality and integrity of processing systems, ability to restore availability in the event of an incident, and regular testing of technical and organizational measures.

Hollis & Co., Inc. shall notify Company without undue delay after becoming aware of a Personal Data breach, including the nature of the breach, categories and approximate number of data subjects and records concerned, likely consequences, and measures taken to address the breach.

Hollis & Co., Inc. shall not transfer Personal Data to a third country or international organization unless the transfer is to a country providing adequate protection, is subject to appropriate safeguards, or is necessary for one of the exceptions listed in applicable data protection law.

• account registration information (name, email address, password, company name, and other business information);
• financial information (bank account information, transaction history, and financial statements);
• identity verification information (government-issued ID, EIN, and date of birth);
• communications you send to us; and
• any other information you choose to provide.

• log data (IP address, browser type, operating system, referring URLs, device identifiers, and cookie data);
• usage data (features you use, actions you take, time, frequency, and duration of your activities);
• location data (general location inferred from your IP address); and
• transaction data (details of transactions you initiate through our Services).

We may collect information from identity verification providers, credit bureaus, financial institutions, and publicly available sources.

• provide, maintain, and improve our Services;
• process transactions and send related information;
• send technical notices, updates, security alerts, and support messages;
• monitor and analyze trends and usage;
• detect, investigate, and prevent fraudulent transactions and other illegal activities; and
• comply with legal obligations.

We may share your information with service providers who perform services on our behalf, financial institutions and payment networks, identity verification providers, regulatory and law enforcement authorities as required by law, and other parties with your consent.

We do not sell your personal information to third parties.

Depending on your location, you may have the right to access, correct, delete, or port your personal information, and to object to or restrict its processing. To exercise these rights, contact privacy@hollisand.co.

Hollis & Co., Inc.  ·  privacy@hollisand.co  ·  5831 Forward Avenue, Unit 801, Pittsburgh, PA 15217

Accounts are available to eligible businesses and are subject to verification and approval. By opening an Account, you represent that you are authorized to open and operate the Account on behalf of the business entity.

You may deposit funds into your Account via ACH transfer, wire transfer, or other approved methods. Hollis & Co., Inc. reserves the right to reject any deposit in its sole discretion.

FDIC Insurance. USD deposit accounts are provided by Column N.A., Member FDIC. Deposits are eligible for FDIC insurance up to applicable limits. Hollis & Co is a DBA of Hollis & Co., Inc. USD deposit accounts and banking services are provided by Column N.A., Member FDIC.

You may withdraw funds from your Account via ACH transfer, wire transfer, or other approved methods, subject to applicable limits and restrictions.

Either party may close your Account at any time. Upon closure, any remaining balance will be transferred to a designated account.

You agree to comply with all applicable laws and regulations in connection with your Account, including anti-money laundering (AML) and know-your-customer (KYC) requirements.

Your consent to receive Communications electronically applies to all interactions with Hollis & Co and Column N.A., including:

• This Agreement and any amendments
• Account statements, transaction confirmations, and receipts
• Notices of changes to terms, fees, or services
• Privacy notices and compliance disclosures
• Tax forms (including IRS Form 1099-INT) and year-end statements
• Any other information required to be provided to you in writing

To receive electronic Communications, you must have: a device with internet access; a current browser (Chrome, Safari, Firefox, or Edge — recent version); a valid email address; and the ability to open PDF documents. Hollis & Co will notify you of any material changes to these requirements.

You may withdraw your consent to receive electronic Communications at any time by contacting us at legal@hollisand.co. Withdrawal of consent will not affect the validity of any electronic Communications previously sent. Please note that withdrawing consent may result in termination of your access to the Services, as electronic delivery is a condition of account operation.

You are responsible for maintaining a current and accurate email address on file. Contact us immediately at legal@hollisand.co if your email address changes. Hollis & Co is not responsible for your failure to receive Communications due to an outdated or invalid email address.

We recommend that you print or save a copy of all electronic Communications for your records. You may request a paper copy of any Communication by contacting us at legal@hollisand.co. A fee may apply for paper copies.