Disclaimer

THESE DISCLAIMERS are between Impruvu LLC, a limited liability company organized under New Mexico law, and its wholly owned subsidiary AdvisorHub LLC (collectively, "Impruvu, Company, us, we, our"), and website Users, which you must accept to use this website. By continuing to use this website, you assent to each term in these Disclaimers. If you do not understand or agree to this Policy, then you agree to immediately cease your use of this website.

ARBITRATION

Resolution of Disputes: The user acknowledges reading this provision carefully and understands it limits rights in event of a dispute between the user and Impruvu.

Any Claim shall be resolved by binding arbitration administered by the American Arbitration Association or JAMS, under applicable arbitration rules. Any arbitration will take place on an individual basis; class arbitrations and class actions are not permitted.

Contact Information for Arbitration: American Arbitration Association: 1633 Broadway, 10th Floor, New York, NY 10019, (800) 778-7879, www.adr.org. JAMS: 1920 Main Street, Suite 300, Irvine, CA 92614, (949) 224-1810, www.jamsadr.com.

Address for serving arbitration demands: Impruvu LLC, 1209 Mountain Road Pl NE, Ste R, Albuquerque, NM 87110, Attention: Compliance.

Claims will be arbitrated by a single, neutral arbitrator who shall be a retired judge or lawyer with at least ten years' experience. Impruvu will pay all filing and administration fees charged by the administrator and arbitrator fees up to one thousand ($1,000) USD.

Any in-person arbitration hearing will be held in the State of Oregon, or in such other locations as mutually agreed upon. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act, 9 U.S.C. 1-16.

You and we agree that each may bring claims against the other only in our individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

You and we agree that, by entering into this Agreement, the parties are each waiving the right to a trial by jury or to participate in a class action. You and we acknowledge that arbitration will limit our legal rights, including the right to participate in a class action, the right to a jury trial, the right to conduct full discovery, and the right to appeal (except as permitted in this arbitration clause or under the Federal Arbitration Act).

INDEMNIFICATION

The User agrees to defend, protect, indemnify, and hold the Company, and its affiliates, officers, managers, directors, employees, contractors, and subcontractors, harmless against any and all claims, demands, causes of action, and judgments of every kind and character, including regulatory agency costs, court costs, and attorneys fees, arising, occurring, growing out of, incident to, or resulting directly or indirectly from any misrepresentation made by the User on this website or in connection with the services offered on this website, regardless of whether such misrepresentation was intentional or unintentional.

The User also agrees to defend, protect, indemnify, and hold the Company harmless against any and all claims asserted by any third-party that arise out of or in connection with the services offered on this website, or any breach by the User of any provision of this website's terms and conditions.

LIMITATION ON LIABILITY

Excluding damages arising from the Company's breach of confidentiality obligations, the Company shall not be liable to the User, regardless of the form of action, whether in contract, tort, or otherwise, for any lost profits business interruption, or for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or relating to this Agreement, even if the User has been advised of the possibility of such damages or liability, nor shall the Company's aggregate liability for any other damages arising out of this Agreement exceed the liquidation fee paid by the User to the Company in accordance with the terms of this Agreement.

MILITARY LENDING ACT

The Military Lending Act provides specific protections for active duty service members and their dependents in consumer credit transactions.

Statement of MAPR

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependents may not exceed an annual percentage rate of thirty-six (36%) percent. This rate must include, as applicable to the credit transaction or account:

• The costs associated with credit insurance premiums
• Fees for ancillary products sold in connection with the credit transaction
• Any application fee charged (other than certain application fees for specified credit transactions)
• Any participation fee charged (other than certain participation fees for a credit card account)

NO WARRANTIES

Through your use of this website, you acknowledge and agree that information and/or documents provided by the Company is simply information and should not be considered legal advice, tax advice, brokerage advice, or investment advice. If you are in need of legal advice or financial advice, please consult the appropriate advisor, such as your own attorney, accountant, or other professional.

You agree that your use of the website is at your sole and exclusive risk and that any services provided by the Company are on an "As Is" basis. The Company hereby expressly disclaims any and all express or implied warranties of any kind, including, but not limited to the implied warranty of fitness for a particular purpose and the implied warranty of merchantability.

The Company makes no warranties that the website will meet your needs or that the website will be uninterrupted or error-free. The Company also makes no warranties as to the reliability or accuracy, completeness, or quality of any information on the website or obtained through any services.

ORAL DISCLOSURES

Please call +1 (833) 863-3863 to obtain oral disclosures, including the statement of MAPR, required under the Military Lending Act.

STATE LAW DISCLOSURES

CA Residents

Interest is compounded on unpaid Interest Charges on Purchases, Cash Advances and Balance Transfers.

IA Residents

NOTICE TO CONSUMER: Do not sign this paper before you read it. You are entitled to a copy of this paper. You may prepay the unpaid balance at any time without penalty and may be entitled to receive a refund of unearned charges in accordance with law.

KS Residents

NOTICE TO CONSUMER: Do not sign this agreement before you read it. You are entitled to a copy of this agreement. You may prepay the unpaid balance at any time without penalty.

MA Residents

Massachusetts law prohibits discrimination based upon marital status or sexual orientation.

MD Residents

You have the right under Section 12-510 of the Commercial Law Code to receive an answer to a written inquiry concerning the status of your Account directly from the Third-Party Lender.

ME Residents

NOTICE TO CONSUMER: Do not sign this agreement before you read it. You are entitled to a copy of this agreement. Maine law requires that certain disclosures be provided to you before any contract is signed.

MO Residents

Oral agreements or commitments to loan money, extend credit, or to forbear from enforcing repayment of a debt are not enforceable. Any agreements we reach covering such matters will be contained in writing.

OH Residents

The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers.

TX Residents

For questions or complaints about personal loans, contact Impruvu, LLC at info@impruvu.io. If a complaint or question cannot be resolved, consumers can contact the OCCC at 2601 N. Lamar Blvd., Austin, Texas 78705, (800) 538-1579, occc.texas.gov.

UT Residents

As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

WA Residents

Oral agreements or oral commitments to loan money, extend credit, or to forbear from enforcing repayment of a debt are not enforceable under Washington law.

WI Residents

NOTICE TO CUSTOMER: Do not sign this if it contains any blank spaces. You are entitled to an exact copy of any agreement you sign; and you have the right at any time to pay in advance the unpaid balance due under this agreement.

For questions or comments regarding these Disclaimers, please contact us at: info@impruvu.io