Effective Date: February 23, 2026
Last Updated: February 23, 2026
Important Brokerage Notice
If you access brokerage or investing features through the AlgoPear experience, brokerage services are provided by Alpaca Securities LLC ("Alpaca Securities"), a registered broker-dealer and member FINRA/SIPC. AlgoPear is not a broker-dealer, investment adviser, bank, or credit union. AlgoPear does not execute trades, hold customer funds or securities, or provide individualized investment advice.
1. Agreement to These Terms
These Terms of Service ("Terms") govern your access to and use of the websites, apps, APIs, and related services offered by AlgoPear, Corp., a Delaware corporation ("AlgoPear", "we", "us", or "our") (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Services.
2. Who the Services Are For
The Services are generally offered through participating banks and credit unions (each, a "Financial Institution Partner" or "FI Partner"). Your FI Partner may provide you access to the Services within its digital banking environment or through other supported channels. Your use of your FI Partner's products and services is governed by your FI Partner's agreements and disclosures.
3. Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction) and able to form a binding contract to use the Services. Some features may be available only in certain jurisdictions or through certain FI Partners. We may refuse access to the Services to any person at any time where permitted by law.
4. Brokerage and Investing Features
(a) Alpaca agreements control brokerage. If you open or access a brokerage account or place trades through the Services, you will be required to agree to Alpaca Securities' customer agreements, disclosures, and privacy practices. Those documents control your brokerage relationship with Alpaca Securities.
(b) No investment advice. Content and tools in the Services are for informational and educational purposes only and are not a recommendation, solicitation, or advice to buy or sell any security or other financial product. You are solely responsible for your investment decisions.
(c) Risks. Investing involves risk, including possible loss of principal. Past performance is not indicative of future results.
5. Fees and Charges
(a) AlgoPear fees. AlgoPear may charge fees for certain Services. If we do, we will disclose the applicable fees to you before you incur them.
(b) FI Partner fees. Your FI Partner may charge fees related to its own products and services. Those fees are determined and disclosed by your FI Partner.
(c) Alpaca Securities fees. Brokerage fees and regulatory fees may apply to brokerage activity. Alpaca Securities' fee schedule and disclosures govern those fees. If there is any conflict between information provided in the Services and Alpaca Securities' disclosures, Alpaca Securities' disclosures control.
6. Privacy and Data Sharing
Your use of the Services is subject to our Privacy Policy. To provide the Services, we may share certain information with your FI Partner and, where applicable, with Alpaca Securities and other service providers (for example, identity verification, fraud prevention, account servicing, and trade execution). By using the Services, you consent to this sharing as described in our Privacy Policy and the applicable third-party disclosures.
7. User Accounts, Security, and Acceptable Use
(a) Account security. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account.
(b) Acceptable use. You agree not to misuse the Services. You will not attempt to interfere with the Services, reverse engineer non-public components, access the Services through automated means not provided by us, or use the Services for unlawful or fraudulent purposes.
(c) Suspicious activity. If you suspect unauthorized access, notify us promptly at support@algopear.com and follow your FI Partner's security instructions.
8. Intellectual Property
The Services, including text, graphics, logos, software, and other content, are owned by AlgoPear or its licensors and are protected by intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your personal, non-commercial use.
9. Third-Party Services and Links
The Services may integrate with or link to third-party services (including your FI Partner, Alpaca Securities, and other vendors). We do not control those third parties and are not responsible for their content, policies, or practices. Your use of third-party services is governed by their terms and disclosures.
10. Disclaimers
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALGOPEAR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALGOPEAR WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES. IN NO EVENT WILL ALGOPEAR'S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES EXCEED ONE HUNDRED U.S. DOLLARS (USD 100) OR THE AMOUNT YOU PAID ALGOPEAR FOR THE SERVICES IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, WHICHEVER IS GREATER.
12. Indemnification
You agree to defend, indemnify, and hold harmless AlgoPear and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your use of the Services, (b) your violation of these Terms, or (c) your violation of any law or rights of a third party.
13. Termination
We may suspend or terminate your access to the Services at any time if we reasonably believe you have violated these Terms, if required by law, or to protect the security of the Services. You may stop using the Services at any time. Sections that by their nature should survive termination will survive.
14. Governing Law and Venue
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws rules. Subject to any mandatory consumer protection laws, you agree that any dispute arising out of or relating to these Terms or the Services will be brought exclusively in the state or federal courts located in Delaware, and you consent to personal jurisdiction and venue there.
15. Changes to These Terms
We may update these Terms from time to time. If we make material changes, we will provide notice as required by law (for example, by posting the updated Terms with a new "Last Updated" date). Your continued use of the Services after the effective date of an update constitutes acceptance of the updated Terms.
16. Contact
Questions about these Terms can be sent to support@algopear.com.
AlgoPear, Corp.
Attn: Legal