Welcome to volarfinancial.com. The volarfinancial.com website (the "Site") is comprised of various web
pages operated by Volar Financial Services (Volar). volarfinancial.com is offered to you conditioned on
your acceptance without modification of the terms, conditions, and notices contained herein (the
"Terms"). Your use of volarfinancial.com constitutes your agreement to all such Terms. Please read these
terms carefully, and keep a copy of them for your reference. volarfinancial.com is a company website
providing information on services with links to educational material.

Your use of volarfinancial.com is subject to Volar’s Privacy Policy. Please review our Privacy Policy, which
also governs the Site and informs users of our data collection practices.

Visiting volarfinancial.com or sending emails to Volar constitutes electronic communications. You
consent to receive electronic communications and you agree that all agreements, notices, disclosures
and other communications that we provide to you electronically, via email and on the Site, satisfy any
legal requirement that such communications be in writing.

Volar does not knowingly collect, either online or offline, personal information from persons under the
age of thirteen. If you are under 18, you may use volarfinancial.com only with permission of a parent or
guardian.

volarfinancial.com may contain links to other websites ("Linked Sites"). The Linked Sites are not under
the control of Volar and Volar is not responsible for the contents of any Linked Site, including without
limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Volar is
providing these links to you only as a convenience, and the inclusion of any link does not imply
endorsement by Volar of the site or any association with its operators.

Certain services made available via volarfinancial.com are delivered by third party sites and
organizations. By using any product, service or functionality originating from the volarfinancial.com
domain, you hereby acknowledge and consent that Volar may share such information and data with any
third party with whom Volar has a contractual relationship to provide the requested product, service or
functionality on behalf of volarfinancial.com users and customers.

You are granted a non-exclusive, non-transferable, revocable license to access and use volarfinancial.com
strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to Volar
that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use
use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with 
any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials
or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the
compilation thereof, and any software used on the Site, is the property of Volar or its suppliers and
protected by copyright and other laws that protect intellectual property and proprietary rights. You
agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions
contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create
derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Volar
content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any
protected content, and in particular you will not delete or alter any proprietary rights or attribution
notices in any content. You will use protected content solely for your personal use, and will make no
other use of the content without the express written permission of Volar and the copyright owner. You
agree that you do not acquire any ownership rights in any protected content. We do not grant you any
licenses, express or implied, to the intellectual property of Volar or our licensors except as expressly
authorized by these Terms.

The Service is controlled, operated and administered by Volar from our offices within the USA. If you
access the Service from a location outside the USA, you are responsible for compliance with all local
laws. You agree that you will not use the Volar Content accessed through volarfinancial.com in any
country or in any manner prohibited by any applicable laws, restrictions or regulations.

You agree to indemnify, defend and hold harmless Volar, its officers, directors, employees, agents and
third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating
to or arising out of your use of or inability to use the Site or services, any user postings made by you,
your violation of any terms of this Agreement or your violation of any rights of a third party, or your
violation of any applicable laws, rules or regulations. Volar reserves the right, at its own cost, to assume
the exclusive defense and control of any matter otherwise subject to indemnification by you, in which
event you will fully cooperate with Volar in asserting any available defenses.

Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations
and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY
BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR
CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS
IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you
and Volar agree otherwise, the arbitrator may not consolidate more than one person's claims, and may
not otherwise preside over any form of a representative or class proceeding.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE
SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO
THE INFORMATION HEREIN. WEALTHWISE AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR
CHANGES IN THE SITE AT ANY TIME.

WEALTHWISE AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY,
AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES
AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT
PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND
RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND.
WEALTHWISE AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH
REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING
ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE, TITLE AND NONINFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WEALTHWISE AND/OR
ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL
DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF
USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE
OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF
OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND
RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE
SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF
WEALTHWISE OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE
SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR
CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU
ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE
AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Volar reserves the right, in its sole discretion, to terminate your access to the Site and the related
services or any portion thereof at any time, without notice. To the maximum extent permitted by law,
this agreement is governed by the laws of the State of New Jersey and you hereby consent to the
exclusive jurisdiction and venue of courts in Indiana in all disputes arising out of or relating to the use of
the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of
these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you
and Volar as a result of this agreement or use of the Site. Volar performance of this agreement is subject
to existing laws and legal process, and nothing contained in this agreement is in derogation of Volar’s
right to comply with governmental, court and law enforcement requests or requirements relating to your
use of the Site or information provided to or gathered by Volar with respect to such use. If any part of
this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but
not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or
unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely
matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user
and Volar with respect to the Site and it supersedes all prior or contemporaneous communications and
proposals, whether electronic, oral or written, between the user and Volar with respect to the Site. A
printed version of this agreement and of any notice given in electronic form shall be admissible in judicial
or administrative proceedings based upon or relating to this agreement to the same extent and subject
to the same conditions as other business documents and records originally generated and maintained in
printed form. It is the express wish to the parties that this agreement and all related documents be
written in English.

Volar reserves the right, in its sole discretion, to change the Terms under which volarfinancial.com is
offered. The most current version of the Terms will supersede all previous versions. Volar encourages you
to periodically review the Terms to stay informed of our updates.

Volar welcomes your questions or comments regarding the Terms:
Email Address: hiram.arnaud@volarfinancial.com
Phone number: 212.701.7991
Effective as of April 1, 2024.