Terms of Use

1. What Equichamber Is

Equichamber is a shareholder-focused social and analytics platform that may allow users to:

• create profiles;
• connect eligible financial accounts through third-party providers such as Plaid;
• verify securities holdings;
• access ownership-based discussions, feeds, analytics, watchlists, alerts, and related features; and
• post, share, react to, and interact with user-generated content.

Equichamber is a technology platform. Equichamber is not a broker-dealer, investment adviser, bank, transfer agent, exchange, clearing agency, financial planner, fiduciary, tax adviser, or law firm.

2. Eligibility

You may use the Service only if:

• you are at least 18 years old;
• you can form a binding contract;
• you are not prohibited from using the Service under applicable law;
• you have not previously been suspended or removed from the Service; and
• all information you provide is true, current, and complete.

If you use the Service on behalf of a company, fund, or other entity, you represent that you are authorized to bind that entity to these Terms.

3. Account Registration and Security

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to:

• provide accurate registration information;
• promptly update your information if it changes;
• use reasonable efforts to protect your account credentials;
• notify us immediately at equichamber@gmail.com if you suspect unauthorized access or a security breach; and
• use only one account unless we expressly authorize otherwise.

We may require identity, email, phone, or other verification steps before permitting access to some features.

4. Financial Account Linking and Holdings Verification

Certain features require you to connect financial accounts through third-party providers, such as Plaid, or through supported broker integrations. By linking an account, you:

• authorize Equichamber and its service providers to access, receive, and use account and holdings information you choose to share in order to provide the Service;
• represent that you are authorized to grant that access for the linked account;
• understand that access may be ongoing until revoked by you or terminated by us;
• understand that account connections, holdings history, verification status, and analytics may change over time as institutions, data feeds, or permissions change; and
• acknowledge that Equichamber does not control third-party institutions, brokerages, data aggregators, or their availability.

You understand that:

• connected data may include account identifiers, balances, positions, transactions, account metadata, and other financial data made available through the integration you choose;
• Equichamber may rely on third-party data to determine whether an account, holding, or user qualifies for a feature, badge, room, score, gate, or status;
• holdings verification does not guarantee current ownership at every moment, beneficial ownership for securities law purposes, legal title, voting status, accredited investor status, sophistication, suitability, or investment intent; and
• disconnections, relinks, stale data, institution outages, sync failures, security reviews, fraud reviews, or policy enforcement may delay or prevent access to features.

You may be able to manage or revoke some financial-data permissions through Plaid Portal, your financial institution, or your Equichamber settings, but availability depends on the provider and integration.

5. No Investment Advice; No Recommendations; No Fiduciary Relationship

The Service is provided for informational, educational, community, and discussion purposes only.

Equichamber does not provide investment advice, tax advice, legal advice, accounting advice, or personalized financial advice. Nothing on the Service constitutes:

• an offer, solicitation, or recommendation to buy, sell, hold, or vote any security or other asset;
• a recommendation regarding timing, strategy, portfolio allocation, or suitability;
• investment research intended to satisfy regulatory standards applicable to broker-dealers or investment advisers; or
• advice tailored to your financial situation, objectives, risk tolerance, or needs.

Any content on the Service, including posts, analytics, rankings, sentiment indicators, watchlists, scores, badges, feeds, notifications, insights, market data, or holdings-based discussions, may be incomplete, delayed, inaccurate, opinionated, misleading, or outdated. You are solely responsible for your own investment decisions and for evaluating any information before acting on it.

6. No Endorsement or Verification of Users, Securities, or Content

Equichamber may label, rank, verify, or display certain users, holdings, securities, rooms, profiles, scores, or features, but these labels do not mean that Equichamber endorses any user, security, issuer, thesis, statement, or transaction. We do not guarantee:

• the identity, qualifications, integrity, or truthfulness of any user;
• the legality or appropriateness of any content;
• the accuracy of any market, company, financial, holdings, or profile information;
• that any room or feed reflects genuine market sentiment; or
• that any user is who they claim to be, owns what they claim to own, or is acting independently.

7. Community Rules and Prohibited Conduct

You agree not to use the Service to:

• violate any law, regulation, court order, or third-party right;
• impersonate any person or entity, including a broker, adviser, issuer, analyst, employee, moderator, or regulator;
• misrepresent your identity, holdings, affiliation, credentials, or authority;
• post false, deceptive, defamatory, infringing, harassing, hateful, sexually explicit, violent, or otherwise objectionable content;
• upload malware, spam, phishing messages, bots, or harmful code;
• scrape, crawl, harvest, reverse engineer, or otherwise extract data or source code except as allowed by law or expressly authorized by us;
• interfere with the Service, security features, moderation systems, or other users' access;
• evade suspensions, blocks, gating rules, rate limits, or safety systems;
• manipulate, attempt to manipulate, or coordinate activity intended to create a false or misleading appearance of market activity, liquidity, demand, consensus, sentiment, or ownership;
• use the Service for pump-and-dump schemes, scalping, undisclosed paid promotion, spoofing, coordinated inauthentic behavior, or other fraudulent or abusive conduct;
• post someone else's non-public personal information or confidential information without authorization;
• infringe intellectual property, publicity, privacy, or contractual rights; or
• use the Service in any way that could expose Equichamber, its users, or third parties to legal, compliance, security, or reputational risk.

If you post about a security, issuer, or product while having a material relationship, compensation arrangement, promotional arrangement, or other conflict, you are responsible for making any disclosures required by law.

8. User Content

"User Content" means any text, images, usernames, profile content, messages, comments, reactions, watchlists, lists, posts, audio, video, data, or other material you submit, upload, transmit, or display through the Service.

You retain ownership of your User Content, but you grant Equichamber a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to host, store, reproduce, modify, adapt, publish, display, distribute, perform, and otherwise use your User Content as needed to operate, improve, secure, moderate, market, and provide the Service.

You represent and warrant that:

• you own or have the necessary rights to your User Content;
• your User Content does not violate these Terms or applicable law; and
• your User Content does not infringe or misappropriate any third-party rights.

We may remove, restrict, review, de-rank, label, archive, or preserve User Content at any time, with or without notice, if we believe it may violate these Terms, applicable law, our policies, or the safety or integrity of the Service.

9. Moderation, Reporting, Blocking, and Enforcement

Equichamber may, but is not required to, monitor the Service, review content, investigate reports, and enforce these Terms. We may take any action we reasonably believe is appropriate, including:

• removing or limiting content;
• issuing warnings;
• freezing, flagging, or reviewing accounts or linked connections;
• restricting visibility or feature access;
• suspending or terminating accounts;
• preserving evidence; and
• reporting conduct to affected users, service providers, rights holders, financial institutions, law enforcement, or regulators where appropriate.

Users may report content, accounts, or conduct through in-app tools or by contacting equichamber@gmail.com. Users may also block other users where those features are available. Our moderation decisions are made in our discretion and may consider safety, fraud prevention, legal risk, platform integrity, and user experience.

10. Market Data, Third-Party Data, and Third-Party Services

The Service may display or rely on content, data, software, or services provided by third parties, including market data providers, issuers, brokerages, Plaid, analytics vendors, cloud providers, payment processors, and other integrations.

Third-party materials may be subject to separate terms, licenses, and privacy policies. Equichamber is not responsible for third-party services or for any loss caused by third-party outages, errors, content, data latency, formatting issues, pricing issues, symbol mapping issues, corporate action handling, or discontinued features. We may add, remove, or replace third-party providers at any time.

11. Gated Features, Verification Status, and Scores

Certain features may depend on holdings verification, account status, recency of data, portfolio composition, watchlists, subscriptions, badges, scores, anti-fraud controls, or other criteria we define. We may change, suspend, or revoke access to gated features at any time, including if:

• your linked data becomes unavailable or stale;
• your verification or trust status changes;
• a fraud, abuse, or identity review is triggered;
• a third-party integration changes; or
• we modify how a feature works.

Any score, badge, ranking, or status shown in the Service is part of the product experience and is not a statement of fact, creditworthiness, investment skill, reputation, legal status, or regulatory approval.

12. Paid Features and Subscriptions

If Equichamber offers paid features, subscriptions, memberships, or digital goods:

• pricing, billing intervals, renewal terms, refund rules, and feature entitlements will be disclosed at the time of purchase;
• you authorize us and our payment processors to charge the payment method you provide;
• subscriptions may renew automatically unless canceled before renewal, if disclosed at purchase; and
• we may change pricing or features for future billing periods as permitted by law.

Taxes may apply. Except where required by law, fees are non-refundable.

13. Intellectual Property

The Service, including its software, design, branding, names, logos, text, graphics, interfaces, databases, analytics, compilations, and underlying technology, is owned by Equichamber or its licensors and is protected by intellectual property and other laws. Except for the limited right to use the Service under these Terms, no rights are granted to you.

You may not copy, modify, distribute, sell, lease, reverse engineer, decompile, create derivative works from, frame, mirror, or exploit the Service except as expressly permitted by us or by applicable law.

14. Feedback

If you submit feedback, suggestions, feature requests, bug reports, ideas, or other input, you grant Equichamber a perpetual, irrevocable, worldwide, royalty-free right to use it without restriction or compensation.

15. Privacy

Your use of the Service is also subject to our Privacy Policy, which describes how we collect, use, disclose, retain, and protect information. If there is a conflict between these Terms and the Privacy Policy regarding privacy practices, the Privacy Policy will control with respect to those privacy practices.

16. Copyright Complaints

If you believe content on the Service infringes your copyright, contact equichamber@gmail.com with the information required by applicable law. We may remove or disable access to allegedly infringing material and may terminate repeat infringers where appropriate.

17. Termination

You may stop using the Service at any time. We may suspend, restrict, or terminate your access at any time, with or without notice, for any reason or no reason, including if we believe you violated these Terms, created risk for the Service or others, or if we discontinue the Service.

Upon termination, your right to use the Service ends immediately, but provisions that by their nature should survive will survive, including provisions relating to ownership, licenses, disclaimers, limitations of liability, dispute resolution, and indemnification.

18. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, EQUICHAMBER DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY, AVAILABILITY, SECURITY, OR THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

WITHOUT LIMITING THE FOREGOING, EQUICHAMBER DOES NOT WARRANT THAT: CONTENT OR DATA WILL BE ACCURATE, COMPLETE, TIMELY, OR RELIABLE; ANY SECURITY, ISSUER, OR COMMUNITY DISCUSSION WILL PERFORM AS EXPECTED; ANY USER, HOLDING, OR PROFILE WILL BE AUTHENTIC OR CURRENT; ANY FEATURE WILL MEET YOUR EXPECTATIONS OR COMPLIANCE NEEDS; OR ANY ISSUE WILL BE DETECTED, PREVENTED, OR CORRECTED.

19. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EQUICHAMBER AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS, GOODWILL, TRADING LOSSES, PORTFOLIO LOSSES, MISSED OPPORTUNITIES, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID TO EQUICHAMBER FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR (B) US $100.

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

20. Indemnification

You agree to defend, indemnify, and hold harmless Equichamber and its affiliates, officers, directors, employees, contractors, agents, licensors, and service providers from and against any claims, demands, actions, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

• your use of the Service;
• your User Content;
• your violation of these Terms;
• your violation of applicable law or any third-party right; or
• your fraud, misconduct, negligence, or willful misconduct.

21. Dispute Resolution; Governing Law

These Terms are governed by the laws of the State of Illinois, without regard to conflict of laws principles. You agree that any dispute arising out of or relating to these Terms or the Service will be brought exclusively in the state or federal courts located in Cook County, Illinois, and you consent to personal jurisdiction and venue there.

22. Changes to the Service and Terms

We may modify the Service or these Terms at any time. If we make material changes, we may provide notice by posting updated Terms, by email, by in-product notice, or by other reasonable means.

Your continued use of the Service after the effective date of the updated Terms constitutes acceptance of the updated Terms. If you do not agree to the changes, stop using the Service.

23. General

These Terms, together with any policies or additional terms expressly incorporated by reference, form the entire agreement between you and Equichamber regarding the Service. If any provision is held unenforceable, the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, sale of assets, or by operation of law.

24. Contact Information

EquiChamber LLC

545 N Dearborn St 2805