1.1Please read the following Terms of Use carefully.

1.2In these Terms of Use:

• (a) "we", "our", "us" and "Company" means Ledger Investing, Inc., a Delaware corporation with its principal place of business at 75 Rockefeller Plaza, Suite 24C, New York, New York 10019;
• (b) "you" and "your" means a user of the website at http://www.ledgerinvesting.com, and its subdomains (the "Website").

1.3These Terms of Use set out the terms and conditions on which we agree to make available and you agree to access and use the Website.

2.1 By using the Website, you agree to be legally bound by these Terms of Use and you agree to the processing of your personal data in accordance with our Privacy Policy.

2.2 If you do not agree with these Terms of Use or our Privacy Policy, you should not use the Website.

2.3 This Website is offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company. If you do not meet these requirements, you must not access or use the Website.

3.1 We may revise these Terms of Use from time to time in our sole discretion. If we do, we will publish the revised Terms of Use on the Website. It is your responsibility to check the Website periodically for changes to these Terms of Use. The date above indicates when these Terms of Use were last updated. Changes to these Terms of Use are effective immediately when we post them to the Website, and from then on will govern the relationship between you and us in respect of your use of the Website. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. If you do not agree with the revised Terms of Use, you must not continue to access and use the Website.

4.1 You agree not to:

• (a) use or access the Website for any fraudulent or unlawful purpose;
• (b) use or access the Website to impersonate any person or entity;
• (c) interfere with or disrupt the operation of the Website or access to it;
• (d) transmit or otherwise make available in connection with the Website or access to it any virus, worm, Trojan horse, time bomb, spyware, or other harmful computer code, file, or program;
• (e) restrict or inhibit the ability of any other person to access or use the Website;
• (f) modify, adapt or translate any portion of the Website;
• (g) remove, obscure or modify any copyright, trademark, or other proprietary rights notice from the Website;

5.1 From time to time, the Website may include links to third-party websites. These links are provided for your convenience only and do not signify that we endorse such third-party websites. We do not review such third-party websites and you acknowledge and agree that:

• (a) we are not responsible for such websites, including the terms on which such websites are made available and the privacy policies of such websites, and do not control their content or availability;
• (b) we make no representation, warranty or condition, either express or implied, in relation to any goods or services or information received from such websites; and

• (c) if you access any such websites, you do so entirely at its own risk.

5.2 You may not frame, link or deep-link the Website to any other website without our prior written consent.

6.1 You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

6.2 YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

6.3THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE.

6.4 THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

7.1TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

7.2THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

8.1You agree to defend, indemnify and hold us harmless the Company, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, any use of the Website's content, services and products other than as expressly authorized in these Terms of Use, or your use of any information obtained from the Website.

9.1The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

9.2This Website may include content provided by third parties, including materials provided by other users, bloggers and third-party licensors, syndicators, aggregators and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

10.1This Website is owned and operated by Ledger Investing, Inc. Ledger Investing, Inc. does not effect securities or give investment advice, endorsement, analysis, or recommendations with respect to any securities. Regulated activities may be separately provided and performed by an appropriately licensed / registered affiliate. Registration or licensure does not imply a certain level of skill or training.

10.2Neither the Website nor any services by the Company contemplated herein is intended to provide legal, financial, tax, accounting or investment advice. You should consult with your own legal, tax, accounting, investment and other professional advisors before engaging in any transaction. You acknowledge and agree that you will use your own judgment, conduct your own due diligence and seek any legal, financial, tax, accounting and other professional advice that may be appropriate before engaging in any transaction or executing any agreement.

10.3Nothing on the Website is an offer or solicitation to buy or sell any security. Although the Website may include investment-related information, nothing on the Website is a recommendation that you purchase, sell or hold any security or other investment, or that you pursue any investment style or strategy.

10.4To the extent the Website includes any projections or forward-looking statements, you are advised that there can be no assurance that such projections or forward-looking statements will prove to be accurate, as actual results and future events could differ materially from those anticipated. As projections and forward-looking statements involve known and unknown risks and uncertainties, which may cause actual results in future periods to differ materially from any future projections expressed or implied, such statements are not guarantees of future performance and any reliance you place on any such statement is strictly at your own risk. The Company undertakes no obligation to update, amend, or clarify forward-looking statements, whether as a result of new information, future events or otherwise.

11.1The intellectual property rights in the Website and copyright in the material stored, displayed and accessible on the Website is either owned by us or duly licensed by third parties. All such rights are reserved. The Website may also include material that is governed by the fair use doctrine. Any third-party names, logos, product and service names, designs and slogans on the Website are the trademarks of their respective owners.

12.1All matters relating to the Website and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of New York without giving effect to any choice or conflict of law provision or rule (whether of the State of New York or any other jurisdiction) that would cause the application of laws of any jurisdiction other than those of the State of New York. Any legal suit, action, or proceeding arising out of or related to these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of New York in each case located in the City of New York and County of New York, although we retain the right to bring any suit, action or proceeding against you for breach of these Terms of Use in your jurisdiction of residence or domicile. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

13.1No waiver of by the Company of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

13.2If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

14.1The Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and Ledger Investing, Inc. with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website.

You can contact us by email at: contact@ledgerinvesting.com.