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Terms of Service

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TERMS OF SERVICE

Clock Out Capital LLC

Effective Date: August 6, 2026

Last Updated: August 6, 2026

1. Acceptance of Terms

These Terms of Service (the "Terms") form a binding legal agreement between you ("User," "you," or "your") and Clock Out Capital LLC ("Clock Out Capital," "Company," "we," "us," or "our") governing your access to and use of the website located at clockoutcapital.com, the Clock Bots automated trading software, the stock screener, any related applications, APIs, content, and services (collectively, the "Services").

By creating an account, clicking "I Agree," subscribing to any plan, or otherwise accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, the Privacy Policy, the Risk Disclosure & Investment Disclaimer, the Acceptable Use Policy, and the Voice & AI Content Addendum, each of which is incorporated by reference. If you do not agree, do not access or use the Services.

THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 16. PLEASE READ CAREFULLY.

2. Eligibility

To use the Services, you must:

  • Be at least 18 years of age and of legal majority in your jurisdiction;
  • Have the legal capacity to enter into a binding contract;
  • Not be a person barred from receiving the Services under the laws of the United States or any other applicable jurisdiction;
  • Not be located in, under the control of, or a national or resident of any country subject to U.S. embargo or designated as a "terrorist supporting" country;
  • Provide accurate, complete, and current registration information.

2.1 Your Representations and Warranties

By creating an account, accessing the Services, or connecting any brokerage or third-party account, you represent and warrant — on each access and on a continuing basis — that:

  • You are at least eighteen (18) years of age and have the legal capacity to enter into and perform these Terms in the jurisdiction where you reside;
  • Your access to and use of the Services, and any orders, configurations, or trading activity you transmit through the Services, do not and will not violate any law, regulation, exchange rule, self-regulatory organization rule, sanctions program, tax obligation, or other legal requirement applicable to you, including the laws of your state, province, country of residence, country of citizenship, and any country from which you access the Services;
  • You are solely responsible for determining whether your use of the Services — including any specific strategy, asset class, leverage level, or brokerage connection you select — is lawful where you are located, and for obtaining any licenses, registrations, consents, or approvals required for your activity;
  • Clock Out Capital does not perform jurisdictional, age, or licensure verification beyond what is expressly described in these Terms, and you will not rely on the availability of the Services in your region as evidence that your use is lawful;
  • If at any time your circumstances change such that any representation in this Section 2.1 is no longer true, you will immediately stop using the Services and close your account.

You agree that any breach of this Section 2.1 is a material breach of these Terms, that Clock Out Capital may suspend or terminate your account without prior notice for any such breach, and that you will indemnify Clock Out Capital under Section 12 for any losses arising from such breach.

3. Nature of the Services

CLOCK OUT CAPITAL IS A SOFTWARE-AS-A-SERVICE (SaaS) PLATFORM. WE DO NOT PROVIDE INVESTMENT ADVICE, BROKERAGE SERVICES, FINANCIAL PLANNING, OR TAX ADVICE.

The Services consist of:

  • Clock Bots: Configurable software tools that you install, configure, and operate to send order instructions to your own connected brokerage account based on parameters you select.
  • Stock Screener: A general-circulation tool that filters publicly available market data based on user-selected technical criteria. All screener results are based on technical indicators and backtests; none constitute recommendations.
  • Educational Content: Articles, videos, research notes, and other materials of general informational and educational interest, distributed to all subscribers on a regular schedule.
  • AI and Voice Assistants: Educational AI assistants (including text and voice interfaces, and a multi-perspective "debate" format) that explain market mechanics, strategy concepts, and what general market data shows. These assistants are informational and educational only; they do not provide individualized investment advice, do not tell you what to trade, and are governed by the Voice & AI Content Addendum.
  • Manual Trading Tools: An interface through which you may compose and submit an individual order directly to a brokerage account you have connected, and review or cancel orders you have placed. An order you place this way is your order in exactly the same sense as one transmitted by a Clock Bot you configured; we do not select it, size it, time it, or recommend it.
  • Marketplace and Shared Configurations: Surfaces on which strategy configurations may be published by us, by approved Creators, or by other users, and copied into your own account. Copying a configuration copies parameters only. It does not copy anyone's account, capital, positions, execution, or results, and the past behaviour of a configuration in another person's account does not predict its behaviour in yours. See the Creator Platform Subscriber Addendum.
  • Notifications: Optional delivery of account, bot, and market notifications over channels you choose and configure — which may include email, in-app and browser push, SMS text message, and third-party messaging services such as Telegram or Discord. Notification delivery is subject to Section 6A.
  • Connected Agents: An optional facility that lets you issue a scoped, revocable access token to a third-party software agent you control, so that it may interact with your Clock Out Capital account on your behalf. Section 5A governs.

All information, signals, alerts, screens, scans, tools, and AI or voice outputs provided through the Services are impersonal, non-customized, and made available to all subscribers in the same form. Nothing provided through the Services constitutes a recommendation to buy, sell, or hold any security, commodity, cryptocurrency, derivative, or other financial instrument for you specifically.

You alone are responsible for evaluating whether any information or tool is appropriate for your financial situation, risk tolerance, and objectives. You alone are responsible for every order placed through your connected brokerage account, whether placed manually by you or transmitted by Clock Bots configured by you.

4. Account Registration and Security

4.1 Account Creation

To access most Services you must register for an account by providing a valid email address, a secure password, and any other information we reasonably request. You agree that all information you provide is accurate, complete, and current, and you agree to update such information as needed.

4.2 Account Security

You are responsible for:

  • Maintaining the confidentiality of your account credentials, including your password and any API keys, OAuth tokens, or brokerage credentials you supply or generate;
  • All activities that occur under your account, whether or not authorized by you;
  • Promptly notifying Clock Out Capital of any unauthorized access or suspected breach of security at [email protected].

Clock Out Capital is not liable for any loss or damage arising from your failure to safeguard your credentials. We strongly recommend enabling two-factor authentication and using brokerage-issued read/trade-only API keys (not master credentials) wherever supported.

4.3 One Account Per User

You may not maintain more than one account, share your account, or transfer your account to any third party without our written consent.

5. Brokerage Connections and Third-Party Services

The Clock Bots and certain other Services require you to connect a brokerage account or third-party service (e.g., Robinhood, Coinbase, Alpaca, TradingView, or others). By connecting any third-party account, you:

  • Authorize Clock Out Capital to access that account on your behalf solely as necessary to provide the Services;
  • Acknowledge that your relationship with the third party is governed by that third party's own terms and conditions, and that Clock Out Capital is not a party to that relationship;
  • Acknowledge that Clock Out Capital does not custody your funds, securities, or cryptocurrencies, does not act as a broker or dealer, and does not execute trades — order routing and execution occur through the connected third-party brokerage;
  • Accept all risks of third-party service outages, latency, data inaccuracies, API rate limits, rejected orders, partial fills, slippage, or other failures.

Clock Out Capital makes no representation or warranty regarding any third-party service and disclaims all liability arising from any third-party service.

5A. Connected Agents and Access Tokens

The Services may allow you to generate an access token and provide it to third-party software (a "Connected Agent") that you operate or engage, so that it can interact with your account on your behalf.

5A.1 The Agent Acts As You

Anything a Connected Agent does using your token is treated as done by you, to the same extent as if you had performed it yourself in the Services. You are responsible for every action taken with a token you issued, whether or not you intended, anticipated, or were aware of that particular action.

5A.2 Scope, Expiry, and Revocation

Each token is issued with a defined scope of permitted actions and an expiry. You may inspect the scope and the expiry, and you may revoke any token at any time from your account settings; revocation takes effect promptly and prevents further use of that token. You are responsible for revoking a token when the Connected Agent no longer needs it, when you stop using that agent, or when you have any reason to believe the token has been exposed.

5A.3 We Do Not Vet Connected Agents

Clock Out Capital does not review, approve, endorse, audit, or monitor any Connected Agent, and makes no representation about any agent's security, reliability, accuracy, or behaviour. A Connected Agent is not our subprocessor and is not acting on our behalf. It is your chosen tool, and the relationship between you and its provider is governed by whatever terms exist between you and them.

5A.4 Trading Actions

Where the scope of a token permits actions that can result in an order being placed in a Connected Account, those actions are subject in full to the Brokerage Connection Authorization and to Section 3 of the Risk Disclosure: the resulting order is your order, in your account, with your funds, at your risk. Trading scopes may be withheld, gated, or made unavailable at our discretion.

6. Subscriptions, Billing, and Refunds

6.1 Subscription Plans

Certain Services are offered on a subscription basis at prices and feature levels published on our website (each, a "Subscription"). We may modify pricing, plan features, or available plans at any time, but any change to your existing Subscription's price or material features will not take effect until your next renewal period and we will provide at least thirty (30) days' advance notice.

6.2 Auto-Renewal

YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW AT THE END OF EACH BILLING PERIOD (MONTHLY OR ANNUAL, AS SELECTED) AT THE THEN-CURRENT PRICE UNTIL YOU CANCEL. WE WILL CHARGE YOUR PAYMENT METHOD ON FILE WITHOUT FURTHER NOTICE.

You may cancel auto-renewal at any time through your account settings. Cancellation takes effect at the end of the then-current billing period; you will retain access through that date and will not be charged for the next period.

6.3 Free Trials

If we offer a free trial, you must provide a valid payment method to begin the trial. Unless you cancel before the trial expires, you will be automatically enrolled in the corresponding paid Subscription and charged at the then-current rate. Free trials are limited to one per User and may not be combined with other offers.

6.4 Payment

All payments are processed by a third-party payment processor (e.g., Stripe). By providing a payment method you authorize Clock Out Capital and its payment processor to charge that method for all fees due. You are responsible for all taxes other than taxes on Clock Out Capital's net income.

6.5 Refunds

Except as required by applicable law, all fees are non-refundable and non-creditable. We may, in our sole discretion, offer a prorated refund or credit on a case-by-case basis. Failure to use the Services does not entitle you to a refund.

6.6 Failed Payment

If a payment fails, we may suspend or terminate your access to the paid Services without notice. We may retry the payment method and you authorize such retries.

6.7 Price Changes

We may change Subscription prices upon at least thirty (30) days' notice to you, which will apply at your next renewal. If you do not agree to the price change, you must cancel before the renewal date. A price change does not affect any locked promotional rate described in Section 6.9 for as long as that rate's conditions remain satisfied.

6.8 Promotional Codes

We may issue single-use or limited-use promotional codes (for example, creator promotional codes, referral codes, or loyalty codes). Each code is subject to its own stated terms, including expiration date, eligibility, and any one-per-user limit. Promotional codes have no cash value, are not transferable, may not be combined unless expressly stated, and may be revoked or invalidated if obtained or used in violation of their terms, through error, or through fraud or abuse. We may modify or discontinue any promotional program prospectively at any time.

6.9 Founding Member and Locked-Rate Offers

From time to time we may offer a limited number of subscribers a discounted rate represented as "locked," "founding," or "lifetime" (a "Locked-Rate Offer" — for example, a Founding Member discount available to a capped number of early paying subscribers). A Locked-Rate Offer applies only to the specific plan and subscriber it is granted to, and only for so long as all of the following remain true:

  • your Subscription remains continuously active and in good standing, without lapse, cancellation, or non-payment;
  • the plan to which the rate is attached continues to be offered by us; and
  • we continue to operate the Services.

If your Subscription lapses, is cancelled, or falls out of good standing, the Locked-Rate Offer is permanently forfeited and any future Subscription will be at then-current pricing. "Lifetime" and similar terms describe the duration of the discount while these conditions hold; they do not create an obligation for us to operate the Services, offer any particular plan, or maintain any price indefinitely, and they do not survive termination of your Subscription or discontinuation of the Services. The number of Locked-Rate Offers may be capped, and once the cap is reached the offer closes.

6.10 Annual Plan Loyalty Benefit

If we offer an annual plan with a loyalty benefit (for example, an additional period of access added at the end of a paid annual term), the benefit is provided as additional service time, is contingent on the annual Subscription remaining active through the qualifying period, has no cash value, is not refundable or transferable, and does not change how any creator commission is calculated. We may modify or discontinue the loyalty benefit prospectively for future terms on notice.

6.11 USDC Stablecoin Payments

The Company may accept payment in USD Coin (USDC) for Subscription fees and other amounts due to the Company, through the Company's payment processor and pursuant to the processor's terms. Where you elect to pay in USDC, the payment processor will convert the USDC to U.S. dollars at the time of payment, and the Company will treat the payment as a U.S. dollar transaction for all internal billing, accounting, refund, and customer-account purposes. The Company does not custody, hold, transmit, or convert USDC or any other digital asset; the regulated payment processor is the entity that receives the digital asset and remits U.S. dollars to the Company.

You acknowledge and agree that paying with USDC may, under current U.S. federal tax guidance, constitute a disposal of digital assets and may give rise to tax consequences. The Company is not your tax advisor and will not issue IRS Form 1099-B, Form 1099-DA, or any equivalent form to you in connection with your decision to pay in USDC. You are solely responsible for determining, reporting, and paying any taxes arising from your use of USDC to pay Company invoices. The Company reserves the right to suspend, modify, or discontinue acceptance of USDC or any other payment method at any time on notice.

6A. Notifications, Text Messages, and Push

6A.1 Channels You Choose

You may enable notification channels in your account settings. Some channels are transactional and follow from operating your account (for example, security alerts and messages about an order or a bot you are running); others are promotional. You can disable any channel at any time in your settings.

6A.2 SMS Text Messages — Consent

If you provide a mobile number and enable SMS notifications, you expressly consent to receive automated text messages from Clock Out Capital at that number. You acknowledge that:

  • Consent is not a condition of purchase. You do not have to accept text messages to open an account, hold a Subscription, or use any Service. Every SMS notification is also available on another channel.
  • You must own the number, or be authorized to receive messages at it. Do not enter someone else's number. If your number changes or is reassigned, you must update or remove it in your settings promptly — otherwise messages intended for you will go to whoever holds the number next.
  • We verify the number before sending. We send a one-time code to the number you enter and only enable SMS for that number once you return the code.
  • Message frequency varies and depends on the notifications you enable and on your own activity, such as how many bots you run.
  • Message and data rates may apply. Your mobile carrier's charges are between you and your carrier; we do not reimburse them.
  • To stop, reply STOP to any message from us, or disable SMS in your account settings. Replying STOP ends SMS delivery to that number. Reply HELP for assistance, or contact [email protected].
  • Delivery is not guaranteed. Carriers filter, delay, and drop messages, and we do not control them. Never rely on SMS as your only means of monitoring your account, your positions, or a running bot — see Section 10 and the Risk Disclosure.
  • Carriers are not liable for delayed or undelivered messages.

6A.3 Browser and In-App Push

If you grant your browser or device permission to show notifications, we may deliver notifications through that channel. You can withdraw the permission at any time in your browser or device settings, independently of your Clock Out Capital account settings.

6A.4 Third-Party Messaging Channels

If you connect a third-party messaging service (for example Telegram or Discord) as a notification destination, the message is delivered to that service and is then subject to that service's terms and privacy policy. We do not control those services and are not responsible for their handling, retention, or exposure of the content we deliver to them. Anyone with access to the destination chat or channel you nominate can read the notifications sent there.

7. Acceptable Use

You agree not to:

  • Use the Services in violation of any applicable law, regulation, exchange rule, or third-party right;
  • Use the Services to engage in market manipulation, spoofing, layering, wash trading, insider trading, or any other prohibited trading practice;
  • Reverse engineer, decompile, disassemble, or attempt to derive the source code of any part of the Services, except to the extent such restriction is prohibited by law;
  • Scrape, crawl, harvest, or index any portion of the Services through automated means without our prior written consent;
  • Resell, sublicense, redistribute, or commercially exploit the Services or any data, signal, scan, or output thereof except as expressly permitted in writing;
  • Share your account or login credentials with any other person;
  • Interfere with or disrupt the Services, including by transmitting malware, exploiting vulnerabilities, or overloading our infrastructure;
  • Use the Services to provide investment advisory services, manage other persons' funds, publish derivative signals, or build a competing product;
  • Use any output of the Services to train, fine-tune, or evaluate any machine learning model without our prior written consent.

We reserve the right to suspend or terminate accounts that violate these restrictions and to pursue all available legal remedies.

8. Intellectual Property

8.1 Our IP

The Services, including all software, algorithms, models, indicators, scans, signals, content, designs, logos, trademarks, and documentation, are owned by or licensed to Clock Out Capital and are protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property laws. "Clock Out Capital," "Clock Bots," the Clock Bots character marks, and related logos are trademarks of Clock Out Capital LLC.

8.2 Limited License to You

Subject to your compliance with these Terms and payment of all applicable fees, Clock Out Capital grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your personal, non-commercial trading and educational purposes during the term of your Subscription. All rights not expressly granted are reserved.

8.3 Feedback

If you submit suggestions, ideas, feature requests, or other feedback, you grant Clock Out Capital a perpetual, irrevocable, royalty-free, worldwide license to use, modify, and exploit such feedback for any purpose without compensation or attribution.

8.4 User Content

If the Services permit you to post content (e.g., comments, support requests, community posts, custom indicator scripts), you retain ownership of your content, but you grant Clock Out Capital a worldwide, royalty-free, sublicensable license to host, store, reproduce, display, modify, and distribute such content solely for the purpose of operating, providing, and improving the Services. You represent that you have all rights necessary to grant this license.

9. Privacy

Our collection, use, and disclosure of personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.

10. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CLOCK OUT CAPITAL DISCLAIMS ALL WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY, AND QUIET ENJOYMENT.

WITHOUT LIMITING THE FOREGOING, CLOCK OUT CAPITAL DOES NOT WARRANT THAT: (A) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) ANY DATA, PRICE, QUOTE, SIGNAL, OR SCAN WILL BE ACCURATE, COMPLETE, CURRENT, OR FREE FROM DELAY; (C) ANY ORDER GENERATED BY CLOCK BOTS OR ROUTED THROUGH ANY THIRD-PARTY BROKERAGE WILL BE EXECUTED, FILLED AT ANY PARTICULAR PRICE, OR FILLED AT ALL; (D) USE OF THE SERVICES WILL RESULT IN PROFITS OR THE AVOIDANCE OF LOSSES; OR (E) ANY DEFECTS OR ERRORS WILL BE CORRECTED.

All trading and investment activity carries substantial risk of loss, including the risk of total loss of principal. Please carefully review the Risk Disclosure & Investment Disclaimer before using the Services.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL CLOCK OUT CAPITAL, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING DAMAGES FOR LOST PROFITS, LOST REVENUES, LOST DATA, LOST BUSINESS OPPORTUNITIES, TRADING LOSSES, OR THE COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, AND WHETHER OR NOT CLOCK OUT CAPITAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CLOCK OUT CAPITAL'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO CLOCK OUT CAPITAL IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

These limitations apply notwithstanding the failure of essential purpose of any limited remedy. Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, our liability is limited to the maximum extent permitted by law.

12. Indemnification

You agree to defend, indemnify, and hold harmless Clock Out Capital and its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Services; (b) any trade, order, or transaction in your brokerage or other financial account, whether placed by you, by Clock Bots, or by any other means; (c) your breach of these Terms; (d) your violation of any law or third-party right; or (e) any content you submit to the Services.

13. Term and Termination

13.1 Term

These Terms commence when you first accept them and continue until terminated as provided herein.

13.2 Termination by You

You may terminate these Terms at any time by canceling your Subscription and ceasing all use of the Services. Cancellation does not entitle you to a refund of any prepaid fees except as expressly provided in Section 6.

13.3 Termination by Us

We may suspend or terminate your access to the Services at any time, with or without cause and with or without notice, including if we believe you have violated these Terms, are using the Services in a manner that creates legal or operational risk to Clock Out Capital, or have failed to pay fees when due.

13.4 Effect of Termination

Upon termination, your right to access the Services ends immediately. We will use commercially reasonable efforts to delete your data within ninety (90) days, subject to our retention obligations under applicable law and our Privacy Policy. Sections 3, 5, 7, 8, 10, 11, 12, 13.4, 14, 15, 16, and 17 will survive termination.

14. Modifications to the Terms or Services

We may modify these Terms at any time by posting the revised Terms on our website and updating the "Last Updated" date. Material changes will take effect thirty (30) days after notice to you (e.g., by email or in-product notification). Your continued use of the Services after the effective date constitutes your acceptance of the revised Terms. If you do not agree, you must stop using the Services and cancel your Subscription.

We may add, modify, or discontinue features of the Services at any time without liability.

15. Governing Law and Venue

These Terms and any dispute arising out of or relating to them or the Services are governed by the laws of the State of Minnesota, without regard to its conflict of laws principles. Subject to Section 16, the exclusive venue for any judicial action permitted under these Terms will be the state or federal courts located in St. Louis County, Minnesota, and you consent to the personal jurisdiction of such courts.

16. Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

16.1 Agreement to Arbitrate

Except for claims described in Section 16.4, any dispute, claim, or controversy arising out of or relating to these Terms or the Services (a "Dispute") will be resolved exclusively through final and binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures then in effect. The arbitration will be conducted in St. Louis County, Minnesota, or, at your election, by telephone or video. The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

16.2 Class Action Waiver

YOU AND CLOCK OUT CAPITAL EACH AGREE THAT ANY DISPUTE WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR CLOCK OUT CAPITAL MAY BRING A CLAIM AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE THE CLAIMS OF MULTIPLE PARTIES OR PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING.

16.3 Opt-Out

You may opt out of this arbitration agreement by sending written notice to [email protected] within thirty (30) days of first accepting these Terms. The notice must include your full name, address, and a clear statement that you wish to opt out. Opting out will not affect any other provision of these Terms.

16.4 Exceptions

Notwithstanding the foregoing, either party may: (a) bring an individual action in small-claims court; (b) seek injunctive or equitable relief in a court of competent jurisdiction to protect its intellectual property rights; or (c) bring claims for unauthorized use of the Services.

16.5 Severability of Class Waiver

If the class action waiver in Section 16.2 is held to be unenforceable as to any Dispute, then the entirety of Section 16 will be void as to that Dispute and the Dispute will proceed in court.

17. Miscellaneous

17.1 Entire Agreement

These Terms, together with the Privacy Policy and the Risk Disclosure & Investment Disclaimer, constitute the entire agreement between you and Clock Out Capital regarding the Services and supersede all prior agreements.

17.2 Severability

If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permitted by law and the remaining provisions will remain in full force and effect.

17.3 No Waiver

Our failure to enforce any provision of these Terms is not a waiver of that or any other provision.

17.4 Assignment

You may not assign or transfer these Terms or any rights hereunder without our prior written consent. Any unauthorized assignment is void. We may assign these Terms freely, including in connection with a merger, acquisition, or sale of assets.

17.5 Force Majeure

Neither party is liable for any delay or failure to perform due to causes beyond its reasonable control, including acts of God, war, terrorism, civil unrest, government action, internet or telecommunications failure, exchange outages, brokerage outages, market closures or halts, cyberattack, or pandemic.

17.6 Notices

We may provide notices to you by email to the address associated with your account, by posting on the Services, or by any other reasonable means. You may provide notices to us by email to [email protected].

17.7 Relationship of Parties

You and Clock Out Capital are independent contractors. Nothing in these Terms creates any partnership, joint venture, employment, agency, fiduciary, or advisory relationship between the parties.

17.8 Headings

Section headings are for convenience only and have no legal effect.

17.9 Contact

Clock Out Capital LLC

Duluth, MN 55807

Email: [email protected]