Terms of Service

1. Acceptance of Terms

By accessing or using the services of Integrated Advisers (“Company,” “we,” “our,” or “us”), including services provided through our website, client portals, or through any affiliated professionals or platforms, you (“you” or “Client”) agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use our services.

2. Scope of Services

Integrated Advisers offers a broad range of financial services, including but not limited to:

• Broker-Dealer (BD) Support: Facilitation of securities transactions through affiliated and licensed professionals.

• Registered Investment Adviser (RIA) Services: Personalized investment advice and portfolio management pursuant to the Investment Advisers Act of 1940.

• Insurance Marketing Organization (IMO) Services: Distribution and support services for independent insurance agents and agencies.

• Exempt Reporting Adviser (ERA) Services: Private consulting services for income, equity strategies, and wealth creation.

Each service may be governed by a separate agreement and subject to regulatory compliance. You may be required to enter into additional contracts depending on the specific services engaged.

3. Eligibility

To use our services, you must be:

• At least 18 years of age (or of legal age in your jurisdiction),

• Legally capable of entering into a binding contract,

• In compliance with all applicable financial laws and regulations.

Use of our services in violation of any U.S. federal, state, or local law is strictly prohibited.

4. Client Obligations

You agree to:

• Provide accurate, current, and complete information,

• Promptly notify us of any material changes to your financial status or objectives,

• Refrain from misusing the platform or services (e.g., unauthorized trading, manipulation, etc.),

• Maintain confidentiality of login credentials and account access.

5. No Guarantee of Results

Past performance is not indicative of future results. While we strive to provide high-quality financial advice and support, we do not guarantee any specific financial outcome. Market risks and other uncertainties are inherent in all investment and insurance strategies.

6. Compensation & Fees

Our compensation may include:

• Advisory Fees: As disclosed in your Investment Advisory Agreement and/or Form ADV.

• Commissions: On securities or insurance products sold, where applicable.

• Referral Fees: From third-party service providers, if disclosed and permitted.

All fees are fully disclosed prior to the delivery of services. You are responsible for understanding your specific fee arrangement.

7. Third-Party Relationships

Integrated Advisers may utilize or recommend third-party custodians, sub-advisers, insurance carriers, or legal/tax professionals. We are not responsible for the acts, omissions, or services of these third parties unless explicitly agreed in writing.

You are encouraged to conduct your own due diligence.

8. Confidentiality & Data Privacy

We respect your privacy and adhere to all applicable laws, including the Gramm-Leach-Bliley Act and SEC Regulation S-P. All personal, financial, and account information is handled in accordance with our Privacy Policy. Use of electronic communication may involve certain risks; by using our platform, you accept those risks.

9. Compliance & Regulation

Integrated Advisers and its representatives are subject to regulation by:

• The U.S. Securities and Exchange Commission (SEC),

• Financial Industry Regulatory Authority (FINRA) (if BD-related),

• State securities and insurance regulators,

• The Department of Labor (DOL) for retirement-related advice.

We adhere to fiduciary standards where required and disclose conflicts of interest where applicable.

10. Termination

You or Integrated Advisers may terminate the engagement at any time with written notice, subject to applicable agreements.

Upon termination:

• Advisory services will cease,

• All outstanding fees and obligations will become due,

• Any data or reports provided to you remain the intellectual property of Integrated Advisers unless otherwise agreed.

11. Limitation of Liability

To the maximum extent permitted by law, Integrated Advisers and its affiliates shall not be liable for:

• Any indirect, incidental, special, or consequential damages,

• Losses due to market events or third-party failures,

• Errors in data or transmission unless due to gross negligence or willful misconduct.

12. Dispute Resolution

Any disputes arising from these Terms or our services shall be resolved as follows:

• Informal Resolution: Attempt to resolve disputes through good-faith negotiation.

• Arbitration: If not resolved informally, disputes will be settled through binding arbitration in [Insert Jurisdiction], under the rules of the American Arbitration Association (AAA).

You waive the right to a jury trial or to participate in class actions.

13. Modifications to Terms

We may update these Terms at any time. Changes will be posted on our website with a revised effective date. Continued use of the services after such changes constitutes your acceptance.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of laws principles.