EFFECTIVE DATE: DECEMBER 8, 2021

Welcome, and thank you for your interest in Maya Financial, Inc. and its wholly owned subsidiary Maya Advisors, L.L.C. ( “Maya,” “we,” or “us”). By accessing our website at mayamoney.com, along with any linked pages owned and operated by us, any related websites, applications, mobile applications, and any other services provided by us (collectively, the “Service”) you agree to be bound by these Terms of Service (”Terms” or “Terms of Service”). These Terms of Service are a legally binding contract between you and Maya regarding your use of the Service.

BY CLICKING “I ACCEPT,” OR BY DOWNLOADING, INSTALLING, OR OTHERWISE ACCESSING OR USING THE SERVICE, YOU AGREE THAT YOU HAVE READ AND UNDERSTOOD, AND, AS A CONDITION TO YOUR USE OF THE SERVICE, YOU AGREE TO BE BOUND BY, THE FOLLOWING TERMS AND CONDITIONS, INCLUDING MAYA’S PRIVACY POLICY AND ADVISORY AGREEMENT (TOGETHER, THESE “TERMS”). IF YOU ARE NOT ELIGIBLE, OR DO NOT AGREE TO THE TERMS, THEN YOU DO NOT HAVE OUR PERMISSION TO USE THE SERVICE. YOUR USE OF THE SERVICE, AND MAYA’S PROVISION OF THE SERVICE TO YOU, CONSTITUTES AN AGREEMENT BY MAYA AND BY YOU TO BE BOUND BY THESE TERMS.

ARBITRATION NOTICE. WITH THE EXCEPTION OF DISPUTES ARISING FROM THE PLATFORM (WHICH ARE RESOLVED IN ACCORDANCE WITH THE ADVISORY AGREEMENT) AND FOR CERTAIN KINDS OF DISPUTES DESCRIBED IN SECTION 14, YOU AGREE THAT DISPUTES ARISING UNDER THESE TERMS WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND BY ACCEPTING THESE TERMS, YOU AND MAYA ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN ANY CLASS ACTION OR REPRESENTATIVE PROCEEDING. YOU AGREE TO GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS UNDER THIS CONTRACT (EXCEPT FOR MATTERS THAT MAY BE TAKEN TO SMALL CLAIMS COURT). YOUR RIGHTS WILL BE DETERMINED BY A NEUTRAL ARBITRATOR AND NOT A JUDGE OR JURY. (SEE SECTION 14.)

ADDITIONAL TERMS. For the avoidance of doubt, if you are using the Platform (defined below), you are subject to the additional terms as set forth in the Investment Advisory Agreement (the “Advisory Agreement”) with Maya Advisors, L.L.C., which is incorporated by this reference into, and made a part of, these Terms. To the extent that the Advisory Agreement conflicts with these Terms, the terms contained in the Advisory Agreement will control.

1. Maya Service Overview: Maya Advisors, L.L.C. is an investment adviser registered with the Securities and Exchange Commission. Maya’s Service includes a crypto asset investment platform (the “Platform”) that allows registered users (each, a “Client”) investment exposure to portfolios (the “Portfolios”) of crypto assets (“Crypto Assets”) that are managed by Maya to reflect different investment goals and risk profiles. Clients are individual or institutional investors. Each Client appoints Maya as investment adviser with respect to the Crypto Assets placed by the Client in the Client’s account with Maya (the “Advisory Account”).
2. Eligibility: You must be at least 18-years old, or of the legal age in your jurisdiction to form a binding contract if that age is greater than 18 years of age, to register to use the Service. By agreeing to these Terms, you represent and warrant to us that: (a) you are at least 18-years old; (b) you have not previously been suspended or removed from the Service; and (c) your registration and your use of the Service is in compliance with any and all applicable laws and regulations. If you are an entity, organization, or company, the individual accepting these Terms on your behalf represents and warrants that they have the right, authority and capacity to bind you to these Terms and you agree to be bound by these Terms set forth herein
3. Accounts and Registration: To use and/or access most features of the Service, you must register for an investment advisory account. When you register for an account, you will be asked to provide us with some information about yourself, such as your name, email address, or other contact information (“User ID”). You agree that the information you provide to us upon registration and at all other times, is true, accurate, current and complete, and that you will promptly keep it accurate and up to date with any changes. Failure to do so shall constitute a breach of these Terms of Service, which may result in the immediate termination of your user account. You may not enter, select or use a false name or an email address owned or controlled by another person with the intent to impersonate that person. You will also be required to verify your identity through a third-party identity verification platform, Sum and Substance Ltd. When you register, you will be asked to provide a User ID and password. You are solely responsible for maintaining the confidentiality of your account and password, and you accept responsibility for all activities that occur under your account. Any User ID and password provided to you for your access to the Service shall be for your personal use only. If you believe that your account is no longer secure, you agree to immediately notify us of any unauthorized use of your User ID and password at [email protected]. When you register an account, you will be required to enter into the Advisory Agreement
4. Fees and Expenses: For Maya’s advisory services provided through the Platform, you agree to pay the fees and bear the expenses set forth in the Advisory Agreement.
5. Licenses.
   1. Limited License. Subject to your complete and ongoing compliance with these Terms, Maya grants you, solely for your personal, non-commercial use, a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to: (a) install and use one object code copy of any mobile application associated with the Service obtained from a legitimate marketplace (whether installed by you or pre-installed on your mobile device by the device manufacturer) on a mobile device that you own or control; and (b) access and use the Service.
   2. License Restrictions. Except and solely to the extent such a restriction is impermissible under applicable law, you may not: (a) reproduce, distribute, publicly display, or publicly perform the Service; (b) make modifications to the Service; or (c) interfere with or circumvent any feature of the Service, including any security or access control mechanism. If you are prohibited under applicable law from using the Service, you may not use it.
   3. Feedback. If you choose to provide input and suggestions regarding problems with or proposed modifications or improvements to the Service (“Feedback”), then you hereby grant Maya an unrestricted, perpetual, irrevocable, non-exclusive, fully-paid, royalty-free right to make use of the Feedback in any manner and for any purpose, including to improve the Service and create other products and services. Your feedback is welcome and encouraged. You may submit feedback at any time by emailing us at [email protected]
6. Ownership; Proprietary Rights. The Service is owned and operated by Maya. The visual interfaces, graphics, design, compilation, information, data, computer code (including source code or object code), products, software, services, and all other elements of the Service (“Materials”) provided by Maya are protected by intellectual property and other laws. All Materials included in the Service are the property of Maya or its third-party licensors. Except as expressly authorized by Maya, you may not make use of the Materials. Maya reserves all rights to the Materials not granted expressly in these Terms.
7. Third-Party Terms.
   1. Third-Party Services and Linked Websites. Maya may provide tools through the Service that enable you to export information to third-party services. By using one of these tools, you agree that Maya may transfer that information to the applicable third-party service. Third-party services are not under Maya’s control, and, to the fullest extent permitted by law, Maya is not responsible for any third-party service’s use of your exported information. Certain content may be furnished by third parties. Such content (“Third Party Content”) is not advice created or provided by Maya and does not constitute a recommendation to buy, sell, or hold any security or securities. Maya does not monitor, supervise or endorse any Third Party Content and no affiliate of Maya is responsible or will be liable for any Third Party Content. Reliance on any Third Party Content is at your own risk. The Service may also contain links to third-party websites. Linked websites are not under Maya’s control, and Maya is not responsible for their content, nor the products and services offered by or on third-party websites.
   2. Third-Party Software. The Service may include or incorporate third-party software components that are generally available free of charge under licenses granting recipients broad rights to copy, modify, and distribute those components (“Third-Party Components”). Although the Service is provided to you subject to these Terms, nothing in these Terms prevents, restricts, or is intended to prevent or restrict you from obtaining Third-Party Components under the applicable third-party licenses or to limit your use of Third-Party Components under those third-party licenses.
8. Electronic Fund Transfers (EFTs) and Account Balances. Maya partners with financial services software company Sila Inc. (Sila) and banking services provider Evolve Bank & Trust (Evolve), member FDIC, to offer you electronic fund transfers (EFTs). By creating a Maya account and initiating bank deposits or withdrawals, you agree to Sila’s terms of service, https://silamoney.com/terms-of-service/, and Evolve’s demand deposit account agreement, https://silamoney.com/evolve-bank-deposit-agreement/, (together, the “Partner Terms”). You must comply with the Partner Terms when creating or using your Maya Account. The Partner Terms may be modified from time to time, and the governing versions are incorporated by reference into these Terms of Service. Any term not defined in this section but defined in the Partner Terms assumes the meaning as defined in the Partner Terms. IT IS YOUR RESPONSIBILITY TO READ AND UNDERSTAND THE PARTNER TERMS BECAUSE THEY CONTAIN TERMS AND CONDITIONS CONCERNING YOUR MAYA ACCOUNT, INCLUDING BUT NOT LIMITED TO LIMITATIONS, REVERSALS, AND ARBITRATION PROVISIONS, AND YOUR RELEVANT RIGHTS AND LIABILITIES.
9. Prohibited Conduct. BY USING THE SERVICE, YOU AGREE NOT TO:
   1. use the Service for any illegal purpose or in violation of any local, state, national, or international law;
   2. violate any rules, regulations or laws of the Financial Industry Regulatory Authority, Inc., the Securities and Exchange Commission, the Commodities Futures Trading Commission, any state securities agency, any securities exchange or association, or any commodities or futures contract market or association;
   3. violate any terms and conditions of any Additional Terms (defined below) including the Advisory Agreement;
   4. harass, threaten, demean, embarrass, bully, or otherwise harm any other user of the Service;
   5. violate, or encourage others to violate, any right of a third party, including by infringing or misappropriating any third-party intellectual property right;
   6. interfere with security-related features of the Service or any user’s enjoyment of the Service, including by: (i) using any device, software or routine to interfere or attempt to interfere with the proper working of the Service, or any activity conducted on the Service, (ii) disabling or circumventing features that prevent or limit use or copying of any content, (iii) attempting to decipher, decompile, disassemble or reverse engineer any of the software or source code comprising or making up the Service except to the extent that the activity is expressly permitted by applicable law, (iv) uploading or otherwise disseminating any virus, adware, spyware, worm, or other malicious code, (v) disrupting any network, equipment, or server connected to or used to provide the Service, (vi) disabling, overburdening, impairing, damaging or hijacking the operation of any hardware, software or telecommunications equipment or any other aspect of the Service or communications equipment and computers connected to the Service, (vii) accessing, tampering with or using non-public areas of the Service, Maya’s (and its hosting company’s) computer systems and infrastructure or the technical delivery systems of Maya’s providers, (viii) creating a new account with Maya, without Maya’s express written consent, if Maya has previously disabled or suspended an account of yours, or (ix) using the Service, without Maya’s express written consent, for any commercial or unauthorized purpose, (x) gaining unauthorized access to the Service, to other Clients’ accounts, names or personally identifiable information, or to other computers or websites connected or linked to the Service, (xi) bypassing any approved software through which the Service is made available, (xii) framing or linking to any of the materials or information available on the Service, or (xiii) interfering with or disrupting the Service, networks or servers connected to the Service or violate the regulations, policies or procedures of those networks or servers;
   7. provide any false information or perform any fraudulent activity including impersonating any person or entity, claiming a false affiliation, accessing any other Service account without permission, or falsifying your age or date of birth;
   8. sell or otherwise transfer the access granted under these Terms or any Materials or any right or ability to view, access, or use any Materials; or
   9. attempt to do any of the acts described in this Section 8 or assist or permit any person in engaging in any of the acts described in this Section 8.
10. Modification of Terms. We reserve the right to change these Terms on a going-forward basis at any time upon 7 days’ notice. Please check these Terms periodically for changes. If a change to these Terms materially modifies your rights or obligations, you agree that by continuing use of the Service, you will be deemed to have accepted the modified Terms. Material modifications are effective upon the earliest of your receipt of notice or acceptance of the modified Terms. Immaterial modifications are effective upon publication. Except as expressly permitted in this Section 10, these Terms may be amended only by a written agreement signed by authorized representatives of the parties to these Terms. Disputes arising under these Terms will be resolved in accordance with the version of these Terms that was in effect at the time the dispute arose.
11. Electronic Fund Transfers (EFTs) and Account Balances. Maya partners with financial services software company Sila Inc. (Sila) and banking services provider Evolve Bank & Trust (Evolve), member FDIC, to offer you electronic fund transfers (EFTs). By creating a Maya account and initiating bank deposits or withdrawals, you agree to Sila’s terms of service, and Evolve’s demand deposit account agreement (together, the “Partner Terms”). You must comply with the Partner Terms when creating or using your Maya Account. The Partner Terms may be modified from time to time, and the governing versions are incorporated by reference into these Terms of Service. Any term not defined in this section but defined in the Partner Terms assumes the meaning as defined in the Partner Terms. IT IS YOUR RESPONSIBILITY TO READ AND UNDERSTAND THE PARTNER TERMS BECAUSE THEY CONTAIN TERMS AND CONDITIONS CONCERNING YOUR MAYA ACCOUNT, INCLUDING BUT NOT LIMITED TO LIMITATIONS, REVERSALS, AND ARBITRATION PROVISIONS, AND YOUR RELEVANT RIGHTS AND LIABILITIES.
12. Term, Termination, and Modification of the Service.
    1. Term: These Terms are effective beginning when you accept the Terms or first download, install, access, or use the Service, and ending when terminated as described in Section 12.2. These Terms of Service, as amended from time to time, will remain in full force and effect while you use the Service or use any content that you have obtained from Maya.
    2. Termination. If you violate any provision of these Terms, your authorization to access the Service and these Terms automatically terminate. These Terms will also automatically terminate upon termination of the Advisory Agreement. In addition, Maya may, at its sole discretion, terminate these Terms or your account on the Service, or suspend or terminate your access to the Service, at any time for any reason or no reason. Maya will provide notice of the termination unless a court order or other legal process prohibits the Maya from providing such notice. You may terminate your account and these Terms at any time through the Platform’s dashboard or by contacting customer service [email protected]. Any provisions in these Terms of Service that by their nature or as specified hereunder are intended to continue beyond termination or expiration of these Terms of Service shall survive any termination or expiration of these Terms of Service.
    3. Effect of Termination. Upon termination of these Terms: (a) your license rights will terminate and you must immediately cease all use of the Service; (b) you will no longer be authorized to access your account or the Service; (c) you must pay Maya any unpaid amount that was due prior to termination; and (d) all payment obligations accrued prior to termination and Sections 5.3, 6, 10, 11, 12, 13, 14, and 15 will survive. The Crypto Assets held in the Advisory Account will be liquidated as set forth in the Advisory Agreement and all assets in the Advisory Account will be distributed as directed by you.
    4. Modification of the Services. Maya reserves the right to modify or discontinue the Advisory Agreement Service at any time (including by limiting or discontinuing certain features of the Service), temporarily or permanently, without notice to you. Maya will have no liability for any change to the Service or any suspension or termination of your access to or use of the Service.
13. Indemnity. To the fullest extent permitted by law, you are responsible for your use of the Service, and you will defend and indemnify Maya, its affiliates and their respective shareholders, directors, managers, members, officers, employees, consultants, and agents (together, the “Maya Entities”) from and against every claim or demand brought by a third party, and any related liability, damage, loss, and expense, including attorneys’ fees and costs, arising out of or connected with: (a) your unauthorized use of, or misuse of, the Service; (b) your violation of any portion of these Terms, any representation, warranty, or agreement referenced in these Terms, or any applicable law or regulation; (c) your violation of any third-party right, including any intellectual property right or publicity, confidentiality, other property, or privacy right; or (d) any dispute or issue between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (without limiting your indemnification obligations with respect to that matter), and in that case, you agree to cooperate with our defense of those claims. These indemnification obligations are in addition to any indemnification obligations set forth in the Advisory Agreement.
14. Disclaimers; No Warranties:
    1. INVESTMENTS IN CRYPTO ASSETS ARE HIGHLY SPECULATIVE. INVESTMENTS IN CRYPTO ASSETS ARE NOT INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) OR ANY OTHER GOVERNMENTAL AGENCY. YOU ARE SOLELY RESPONSIBLE FOR EVALUATING THE MERITS AND RISKS ASSOCIATED WITH THE USE OF ANY INFORMATION, MATERIALS, CONTENT, USER CONTENT, OR THIRD PARTY CONTENT PROVIDED THROUGH THE SERVICE BEFORE MAKING ANY DECISIONS BASED ON SUCH CONTENT. AS A USER OF THE SERVICE, YOU ALONE ARE RESPONSIBLE FOR DETERMINING WHETHER ANY CONTENT, PRODUCT, SERVICE, SECURITY, OR OTHER FINANCIAL INSTRUMENT MENTIONED ON THE SERVICE (OUTSIDE OF THE PLATFORM) IS SUITABLE FOR YOUR PERSONAL FINANCIAL PURPOSES. PAST PERFORMANCE DATA, PERFORMANCE GRAPHS OR OTHER HISTORICAL INFORMATION ARE NOT A GUARANTEE OF FUTURE PERFORMANCE AND SHOULD NOT BE CONSTRUED AS INDICATIVE OF FUTURE RESULTS. YOU SHOULD CONSIDER YOUR INDIVIDUAL INVESTMENT OBJECTIVES AND RISK TOLERANCE BEFORE INVESTING. EXCEPT FOR CONTENT PROVIDED THROUGH ADVISORY SERVICES ON THE PLATFORM, THE CONTENT PRESENTED ON THE SERVICE IS NOT INTENDED TO PROVIDE YOU OR ANYONE ELSE WITH INVESTMENT, LEGAL, TAX, INSURANCE OR ANY OTHER KIND OF PROFESSIONAL ADVICE. YOU SHOULD CONSULT WITH A FINANCIAL, TAX OR LEGAL PROFESSIONAL FOR ADVICE REGARDING YOUR SPECIFIC FINANCIAL, TAX OR LEGAL POSITIONS AND CIRCUMSTANCES.
    2. THE SERVICE AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE SERVICE ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. EXCEPT AS SET FORTH IN THE ADVISORY AGREEMENT, MAYA DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE SERVICE AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE SERVICE, INCLUDING: (A) ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, OR NON-INFRINGEMENT; AND (B) ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE. EXCEPT AS SET FORTH IN THE ADVISORY AGREEMENT, MAYA DOES NOT WARRANT THAT THE SERVICE OR ANY PORTION OF THE SERVICE, OR ANY MATERIALS OR CONTENT OFFERED THROUGH THE SERVICE, WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, AND MAYA DOES NOT WARRANT THAT ANY OF THOSE ISSUES WILL BE CORRECTED.
    3. EXCEPT AS SET FORTH IN THE ADVISORY AGREEMENT, NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE SERVICE OR MAYA ENTITIES OR ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE SERVICE WILL CREATE ANY WARRANTY REGARDING ANY OF THE MAYA ENTITIES OR THE SERVICE THAT IS NOT EXPRESSLY STATED IN THESE TERMS. WE ARE NOT RESPONSIBLE FOR ANY DAMAGE THAT MAY RESULT FROM THE SERVICE AND YOUR DEALING WITH ANY OTHER SERVICE USER. YOU UNDERSTAND AND AGREE THAT YOU USE ANY PORTION OF THE SERVICE AT YOUR OWN DISCRETION AND RISK, AND THAT WE ARE NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE SERVICE) OR ANY LOSS OF DATA, INCLUDING USER CONTENT.
    4. THE LIMITATIONS, EXCLUSIONS, AND DISCLAIMERS IN THIS SECTION 12 APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. Maya does not disclaim any warranty or other right that Maya is prohibited from disclaiming any legal rights under applicable U.S. federal securities laws or any other under applicable law whose applicability is not permitted to be contractually waived.