Terms of Service

1. Acceptance of Terms

Welcome to Apes Together (“the Service”), a product of Family Apps LLC (“the Company,” “we,” “us,” or “our”). By accessing or using the Service, you (“User,” “you,” or “your”) agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, you must immediately discontinue use of the Service.

2. Description of Service

Apes Together is a mobile and web-based platform that allows users to track and share their personal investment portfolios. The Service enables:

• Portfolio Tracking: Users can manually enter, track, and manage their stock holdings and investment transactions.
• Content Creation: Users may share their portfolios with other users through the platform’s subscription-based system.
• Subscription Access: Users may subscribe to view the portfolios and trading activity of other users (“Content Creators”) through the platform.

3. Not Financial Advice

You acknowledge and agree that:

• All investment decisions are made solely by you.
• Past performance of any portfolio shared through the Service is not indicative of future results.
• The Service provides tools for tracking and sharing investment information only and does not endorse or recommend any particular investment strategy or security.
• You should consult with a qualified financial advisor before making any investment decisions.

4. Eligibility and Account Registration

To use the Service, you must be at least eighteen (18) years of age and capable of forming a binding contract. By creating an account, you represent and warrant that all registration information you submit is truthful, accurate, and complete. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

5. Content Creators

Users who share their portfolios through the Service (“Content Creators”) acknowledge that:

• They are not providing investment advice or personalized financial recommendations.
• They are solely responsible for the accuracy and legality of the information they share.
• They must comply with all applicable securities laws and regulations.
• They must not engage in any market manipulation, insider trading, or other illegal activity.
• They must disclose any material conflicts of interest related to their shared portfolio positions.

6. Subscribers

Users who subscribe to view other users’ portfolios (“Subscribers”) acknowledge that:

• Viewing another user’s portfolio does not constitute receiving investment advice.
• They are solely responsible for their own investment decisions.
• They should independently verify any information obtained through the Service.

7. Fees and Payments

7.1 Subscription Fees

The Service offers paid subscription features processed through third-party payment providers (Apple App Store, Google Play Store). The Company reserves the right to change pricing at any time with reasonable notice. All fees are non-refundable except as required by applicable law or as expressly stated in these Terms.

7.2 Content Creator Payments

• Content Creators receive 85% of net subscription revenue (after app store fees) generated from their content.
• Family Apps LLC retains 15% as platform fees.
• Payments are made monthly.
• Content Creators are classified as independent contractors and are responsible for their own tax obligations.

7.3 Tax Compliance

• Content Creators must provide valid tax information (Form W-9) when requested.
• Failure to provide required tax documentation may result in backup withholding, suspension of payments, or account restrictions.
• Form 1099-NEC will be issued for payments of $600 or more annually.

8. Prohibited Conduct

You agree not to:

• Use the Service for market manipulation or insider trading.
• Provide investment advice or guarantee investment returns.
• Impersonate another person or misrepresent your identity.
• Scrape, harvest, or collect information without consent.
• Transmit malware or attempt to gain unauthorized access to the Service.
• Interfere with the Service’s infrastructure or other users’ access.
• Use automated bots or scripts without authorization.
• Engage in any illegal activity through the Service.

9. Intellectual Property

All content, features, and functionality of the Service are owned by the Company and protected by copyright, trademark, and other intellectual property laws. You retain ownership of content you create but grant the Company a non-exclusive, worldwide, royalty-free license to use, display, and distribute your content as necessary to provide the Service.

10. Account Termination

We reserve the right to suspend or terminate accounts for violation of these Terms, failure to comply with tax reporting requirements, fraudulent or misleading content, or any other conduct we determine is harmful to the Service or its users.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO INVESTMENT LOSSES, ARISING FROM YOUR USE OF THE SERVICE OR ANY INVESTMENT DECISIONS MADE BASED ON INFORMATION OBTAINED THROUGH THE SERVICE.

12. Indemnification

You agree to indemnify and hold harmless Family Apps LLC and its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable attorney’s fees) arising from your use of the Service, your violation of these Terms, or your infringement of any third-party rights.

13. Data Privacy and GDPR Rights

The Company’s collection, use, storage, and disclosure of personal information is governed by the Company’s Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you acknowledge that you have read, understood, and agree to be bound by the Privacy Policy.

13.1 Data Collection

The Company collects and processes personal information necessary to provide the Service, including: (a) account registration information; (b) portfolio and investment data; (c) payment and tax information; (d) usage data and analytics; and (e) communications between users and the Company.

13.2 Account Deletion

When you request account deletion, your account is marked for deletion with a 30-day grace period. After 30 days, all personal data is permanently deleted. Financial records required for tax compliance may be retained as required by law.

14. Governing Law

These Terms of Use and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of New York, without regard to its conflict of law provisions.

15. Dispute Resolution and Binding Arbitration

Each user agrees that any and all disputes, claims, or controversies arising out of or relating to these Terms, the Service, or the relationship between the user and the Company shall be resolved exclusively through binding arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules.

The arbitration shall be conducted by a single neutral arbitrator in New York. The arbitrator shall apply the substantive law of New York, consistent with the Federal Arbitration Act. The arbitrator’s decision shall be final and binding.

Before commencing arbitration, a party must send a written Notice of Dispute to the other party. The Notice to the Company must be sent to: Family Apps LLC, 1 West St, Apt 2604, New York, NY 10004. The parties shall engage in good faith negotiations for sixty (60) days before commencing arbitration.

16. CLASS ACTION AND JURY TRIAL WAIVER

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EACH USER AGREES THAT:

• No Class Actions. ANY ARBITRATION OR PROCEEDING SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS ONLY AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.
• No Class Arbitrations. EACH USER EXPRESSLY WAIVES THE RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION.
• Jury Trial Waiver. EACH USER WAIVES ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND RECEIVE A JUDGE OR JURY TRIAL.

17. Modifications

The Company reserves the right to modify these Terms at any time. Users will be notified of material changes through the Service or via email. Continued use of the Service following notice of such changes constitutes acceptance of the updated Terms.

18. Contact Information

For questions about these Terms, contact:
Family Apps LLC
Email: [email protected]