Acceptance of the Terms of Use

hScore Advisors LLC offers investment advice exclusively through its internet-based application, hScore, and only to investors who are advisory clients of hScore Advisors under a written Client Agreement (“Advisory Services”). The publicly available sections of the Platform (accessible to individuals not bound by a Client Agreement) are intended for educational purposes only and do not constitute legal, tax, or financial planning advice. Any content in these publicly available sections that could be considered investment advice is impersonal and not customized to the specific investment needs of any individual. None of the publicly available content should be interpreted as an offer, solicitation, or recommendation to buy or sell any security. Before making any investment decisions, you should assess whether a particular investment, strategy, security, or related transaction aligns with your personal investment goals, financial situation, and risk tolerance. We also recommend consulting with a legal, tax, or investment professional about your specific circumstances.

For the purposes of these Terms of Use, a “User” refers to an individual who utilizes our Platform for service evaluation or educational purposes, while a “Client” refers to an individual who enters into a Client Agreement with hScore Advisors to receive our Advisory Services. These Terms of Use govern all use of the Platform and your access to it, which requires your agreement with hScore Advisors prior to use. In the event of any conflict between the Terms of Use and a Client Agreement, the terms of the Client Agreement will prevail.

These Terms of Use, along with the Privacy Policy, apply to all Users and Clients. If you choose to become a Client, you will be subject not only to these Terms of Use and the Privacy Policy, but also to the Client Agreement and any additional terms that apply when you activate certain features within the Platform. Please review the Client Agreement carefully before deciding whether to engage hScore Advisors for advisory services.

IF YOU ARE UNWILLING TO BE BOUND BY THESE TERMS OF USE, DO NOT ACCESS OR USE THE PLATFORM.

IMPORTANT NOTICE REGARDING ARBITRATION AND CLASS ACTION WAIVER: WHEN YOU AGREE AND ACCEPT THE TERMS AND CONDITIONS OF THESE TERMS OF USE, YOU ARE AGREEING TO RESOLVE ANY DISPUTE BETWEEN YOU AND HSCORE ADVISORS LLC THROUGH BINDING, INDIVIDUAL, PRIVATE ARBITRATION RATHER THAN IN COURT. CLASS ACTIONS ARE PROHIBITED. PLEASE REVIEW CAREFULLY SECTION BELOW FOR DETAILS REGARDING THE BINDING WAIVER OF YOUR RIGHT TO RESOLVE DISPUTES IN COURT IN FAVOR OF PRIVATE ARBITRATION.

Changes to these Terms of Use.

By accessing our Platform, you acknowledge that we reserve the right to change these Terms of Use by posting a revised Terms of Use and we agree that changes cannot be retroactive. If you do not agree with such changes, you must stop using the Platform. If you have a hScore account and you do not agree with such changes, you must first Delete Your Account and then stop using the Platform. Your continued use of the Platform following our posting of any such changes will mean that you accept such changes.

Mobile Application.

If the User has elected to download any Mobile Application which may be offered by hScore Advisors LLC from time to time, we hereby grant you a limited, non-transferable, revocable license to use the object code of such software within the Mobile Application on any mobile device that you own or control that such Mobile Application is authorized to be operated on (as determined by us in our sole discretion) and is permitted by this Section 3. The Mobile Application is licensed, not sold, to you for use only under the terms of this Terms of Use. hScore Advisors LLC reserves all rights, title and interest not expressly granted to you. Nothing herein allows you to use the Mobile Application on a device that you do not own or are not authorized to control. The foregoing license terminates upon hScore Advisors LLC removing such Mobile Application from an App Store and the Platform.

Use of the Platform.

While hScore Advisors stores, processes and transfers data of individuals of all age, including data regarding children based on their guardian’s or parent’s consent, the Platform is intended solely to be accessed by natural persons who are eighteen (18) years of age or older, and any registration by, use of, or access to the Platform by any person under 18 is unauthorized and in violation of these Terms of Use. We may terminate your use of the Platform without notice if we believe you are less than 18 years old. By using the Platform, you represent and warrant that, you are a natural person, you are 18 or older, and that you agree to and will abide by all of the terms and conditions of these Terms of Use.

The Platform is only available for use in the United States of America (U.S.). We make no representation that the Platform is appropriate or available for use outside the U.S. Similarly, we make no representations that accessing the Platform from locations outside the U.S. is legal or permissible by local law. If you access the Platform from areas outside of the U.S., you do so at your own risk and are yourself responsible for compliance with local laws.

Use Restrictions.

Without our prior written consent, you may not:

User Representations.

Parts of the Platform may be accessed only by registering for an account and creating a password. Keep your password secure. You are responsible for the activities on your account. You represent, warrant, and agree that no materials of any kind submitted through your account or otherwise posted or shared by you through the will violate or infringe upon the rights of any third party, including without limitation any copyright, trademark, patent, privacy, publicity, or other personal or intellectual property rights; or contain libelous, defamatory, or otherwise unlawful material. You will notify us promptly if you discover any unauthorized use of your account. We are not responsible for any losses resulting from unauthorized use of your account.

In addition, you agree not to use the Platform to: