TRUST-RAILS TERMS AND CONDITIONS

1. INTRODUCTION AND ACCEPTANCE

These Terms and Conditions ("Terms") govern your use of the Trust-Rails platform ("Platform") operated by Digital Ventures Conglomerate LLC ("Company," "we," "us," or "our"), an Illinois limited liability company located at 1704 Frediani Court, Mount Prospect, IL 60056.

By accessing or using Trust-Rails, you ("User," "you," or "your") agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use the Platform.

2. PLATFORM DESCRIPTION

Trust-Rails is a blockchain-based orchestration platform that facilitates communication between qualified retirement account custodians for 401(k), IRA, and 403(b) rollover requests. We are a technology service provider that coordinates the rollover process between existing custodians in our verified network.

3. USER ELIGIBILITY AND VERIFICATION

3.1 Eligibility Requirements

To use Trust-Rails, you must:

• Be at least 18 years of age
• Be a U.S. resident or citizen
• Have existing retirement accounts eligible for rollover
• Provide accurate and complete information during registration

3.2 Verification Process

All users must complete our Know Your Customer (KYC) verification process, which includes:

• Identity verification through government-issued identification
• Confirmation of retirement account ownership
• Verification of eligibility for rollover transactions
• Additional documentation as required by applicable law

We reserve the right to request additional verification information at any time and to suspend or terminate accounts that fail to meet verification requirements.

4. CUSTODIAN NETWORK

4.1 Qualified Custodians

Trust-Rails maintains a network of verified custodians who have completed our Know Your Business (KYB) verification process. All network custodians must:

• Be properly licensed and regulated entities
• Provide documentation of regulatory compliance
• Maintain appropriate insurance and bonding
• Agree to our network participation requirements

4.2 Custodian Independence

Each custodian in our network operates independently. Trust-Rails does not control, supervise, or direct custodian operations. Users are responsible for evaluating custodians and making their own decisions regarding rollover destinations.

5. BLOCKCHAIN TECHNOLOGY

5.1 Ethereum Network

Trust-Rails utilizes the Ethereum blockchain to create immutable records of rollover requests and communications. This provides transparency and audit trails for all transactions.

5.2 Network Dependencies

Platform functionality depends on the Ethereum network. We are not responsible for:

• Ethereum network congestion or delays
• Gas fees or transaction costs
• Network outages or technical issues
• Changes to Ethereum protocol

5.3 Data on Blockchain

Only non-sensitive, encrypted transaction metadata is recorded on the blockchain. Personal financial information and account details are never stored on-chain.

6. SERVICES AND LIMITATIONS

6.1 Our Services

Trust-Rails provides:

• Communication facilitation between custodians
• Rollover request coordination and tracking
• Blockchain-based transaction logging
• Customer support for platform usage
• Status updates on rollover progress

6.2 Services We Do NOT Provide

Trust-Rails does not provide:

• Investment advice or recommendations
• Financial planning services
• Tax advice or preparation
• Legal advice
• Custodial or trustee services
• Fund management or investment management
• Guarantees regarding rollover completion or timing

7. USER RESPONSIBILITIES

7.1 Information Accuracy

You are responsible for:

• Providing accurate and complete information
• Maintaining current contact information
• Verifying all rollover details before submission
• Complying with all applicable laws and regulations

7.2 Independent Decision Making

You acknowledge that:

• All rollover decisions are yours alone
• You should consult with financial and tax advisors
• Trust-Rails provides no recommendations or advice
• You are responsible for understanding rollover implications

8. FEES AND PAYMENTS

8.1 User Fees

Trust-Rails services are provided to users at no charge. We do not charge users for platform access or rollover facilitation.

8.2 Custodian Fees

We receive compensation from custodians in our network for successful rollover facilitations. This compensation model allows us to provide free services to users.

8.3 Third-Party Costs

You remain responsible for any fees charged by:

• Your current custodian for rollover processing
• Your receiving custodian for account setup or maintenance
• Ethereum network gas fees (if applicable)
• Any professional advisors you choose to consult

9. DISCLAIMERS AND LIMITATIONS

9.1 No Warranties

THE PLATFORM IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

9.2 No Investment Advice

TRUST-RAILS IS NOT A REGISTERED INVESTMENT ADVISOR, BROKER-DEALER, OR FINANCIAL ADVISOR. WE PROVIDE NO INVESTMENT, FINANCIAL, OR TAX ADVICE.

9.3 Rollover Risks

You acknowledge that retirement account rollovers involve risks including:

• Potential tax consequences
• Loss of employer plan benefits
• Market timing risks
• Potential delays or complications

9.4 Technology Risks

Blockchain and internet-based services involve inherent risks including:

• Network outages or technical failures
• Cybersecurity threats
• Smart contract vulnerabilities
• Data transmission errors

10. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DIGITAL VENTURES CONGLOMERATE LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR USE, ARISING FROM YOUR USE OF THE PLATFORM.

OUR TOTAL LIABILITY SHALL NOT EXCEED $100 OR THE AMOUNT OF FEES PAID BY YOU IN THE TWELVE MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.

11. INDEMNIFICATION

You agree to indemnify and hold harmless Digital Ventures Conglomerate LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of the Platform
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Any inaccurate information you provide

12. PRIVACY AND DATA PROTECTION

12.1 Privacy Policy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, incorporated by reference into these Terms.

12.2 Data Security

We implement industry-standard security measures to protect your information, including:

• Bank-level encryption for data transmission and storage
• Multi-factor authentication requirements
• Regular security audits and updates
• Compliance with applicable data protection laws

12.3 Data Sharing

We may share your information with:

• Custodians in our network as necessary to facilitate rollovers
• Service providers who assist in platform operations
• Regulatory authorities as required by law
• Third parties with your explicit consent

13. COMPLIANCE AND REGULATORY MATTERS

13.1 Regulatory Compliance

You are responsible for ensuring your use of Trust-Rails complies with all applicable federal, state, and local laws and regulations, including but not limited to ERISA, IRS regulations, and state insurance laws.

13.2 Reporting Obligations

You remain responsible for all tax reporting and compliance obligations related to your retirement accounts and any rollover transactions.

13.3 Regulatory Changes

We reserve the right to modify our services to comply with changing regulatory requirements.

14. ACCOUNT TERMINATION

14.1 Termination by You

You may terminate your account at any time by contacting customer support. Termination does not affect any pending rollover requests.

14.2 Termination by Us

We may suspend or terminate your account immediately if:

• You violate these Terms
• You provide false or misleading information
• We are required to do so by law or regulation
• You engage in fraudulent or illegal activity

15. MODIFICATIONS TO TERMS

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or platform notification at least 30 days before taking effect. Continued use of the Platform after changes constitute acceptance of modified Terms.

16. GOVERNING LAW AND DISPUTE RESOLUTION

16.1 Governing Law

These Terms are governed by the laws of the State of Illinois, without regard to conflict of law principles.

16.2 Arbitration

Any disputes arising from these Terms or your use of the Platform shall be resolved through binding arbitration under the American Arbitration Association Commercial Arbitration Rules.

16.3 Class Action Waiver

You agree to resolve disputes individually and waive any right to participate in class action lawsuits or class-wide arbitration.

17. GENERAL PROVISIONS

17.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Digital Ventures Conglomerate LLC.

17.2 Severability

If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect.

17.3 Assignment

You may not assign your rights under these Terms. We may assign our rights and obligations without restriction.

17.4 Contact Information

For questions about these Terms, contact us at: