Terms of Service

HAMILTON ROCK WEBSITE TERMS OF SERVICE
Last Updated: March 4^th, 2026

These Website Terms of Service (“Terms”) govern your access to and use of the public websites, pages, and online interfaces operated by Hamilton Rock Financial Services Corp (“Hamilton Rock”, “we”, “us”, or “our”), including any content, information, and features made available on or through them (collectively, the “Site”).

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you must not use the Site.

1. Who We Are and Scope of These Terms

Hamilton Rock Financial Services Corp is a Delaware corporation with its principal business address at:
447 Broadway, 2nd Floor, Suite #3266, New York, New York 10013, United States.

• Legal name: Hamilton Rock Financial Services Corp

• Entity type: Delaware C‑Corp

• EIN: 30‑1473250

• Telephone: +1 (516) 336‑4214

• Email for legal notices: legal@hamiltonrock.com

These Terms:

• Apply to your use of the public site, including marketing pages, informational content, and any non‑authenticated features.

• Do not govern your use of any Hamilton Rock account, card, or financial product; those are subject to separate agreements and disclosures (for example, Account Terms and Conditions, Cardholder Agreements, Rewards Terms, and the GLBA Privacy Notice).

• Work together with our Privacy Policy, which describes how we collect, use, and share information when you use the Site.

If there is a conflict between these Terms and another written agreement you have with Hamilton Rock for a specific product or service, that other agreement controls for that specific product or service.

2. Banking Relationship and No Offer of Financial Advice

Hamilton Rock is a financial technology company and not itself a chartered bank or FDIC‑insured depository institution.

• Certain products and services that may be described on the Site (such as deposit accounts, cards, or payment services) are offered by one or more banking partners that are FDIC‑insured depository institutions, pursuant to separate agreements between you and those institutions.

• Any statements on the Site about deposit insurance, funds availability, or bank status refer to those banking partners, not to Hamilton Rock as a bank.

Nothing on the Site constitutes:

• Legal, tax, accounting, or investment advice.

• A commitment to open an account, extend credit, or provide any particular product or service.

Any eligibility, underwriting, or onboarding decisions for financial products are made in accordance with the applicable product agreements and underwriting criteria, not these Terms.

3. Eligibility and Use of the Site

You may use the Site only if you can form a binding contract with Hamilton Rock and only in compliance with these Terms and all applicable laws.

By using the Site, you represent and warrant that:

• You are at least 18 years old (or the age of majority where you reside).

• You will use the Site only for lawful purposes and in accordance with these Terms.

• If you access the Site on behalf of a company, you have authority to bind that company to these Terms.

We may restrict, suspend, or terminate your access to the Site at any time, with or without notice, if we believe you have violated these Terms, engaged in fraudulent or abusive behavior, or for any other reason in our discretion.

4. Site Content Is Informational Only

The Site may describe Hamilton Rock’s products, features, pricing, promotional offers, or partners.

• Such content is provided for general informational purposes only and does not amend, supplement, or replace any binding agreement between you and Hamilton Rock or any banking partner.

• Product terms, interest or earnings rates, fees, and availability may change at any time and may differ from what is displayed on the Site at the time you view it.

We make reasonable efforts to keep the Site accurate and up to date, but we do not guarantee that any content is complete, current, or error‑free.

5. No Fees for Site Use; Product Fees

Hamilton Rock does not charge a fee for your basic access to and use of the public Site.

• The current Hamilton Rock fee schedule for core services is $0 (no service fees), but this may change in the future and any fees will be governed by the applicable product‑specific agreements and disclosures, not these Terms.

• Third‑party fees (for example, internet access, mobile data, or third‑party software fees) may apply and are your responsibility.

6. Account Creation and Login Portals

The Site may include links or entry points to login screens, dashboards, or portals used to access Hamilton Rock products or services.

• If you create or use a Hamilton Rock account, your access to and use of that account is governed by separate terms and conditions presented at account onboarding or login.

• You are responsible for maintaining the confidentiality of any login credentials and for all activity that occurs under your credentials.

If you believe your credentials have been compromised, you should notify us immediately using the contact details above.

7. Prohibited Uses

You agree not to use the Site:

• For any unlawful, fraudulent, or abusive purpose.

• To attempt to gain unauthorised access to any Hamilton Rock systems, accounts, or data.

• To interfere with or disrupt the operation of the Site or any servers or networks used to provide it.

• To transmit viruses, malware, or other harmful code.

• To scrape, crawl, or use automated means to access the Site, except for standard indexing by public search engines as permitted by robots.txt or similar instructions.

• To misrepresent your identity or affiliation with any person or entity, or to impersonate Hamilton Rock or any of its employees.

We may investigate suspected violations and cooperate with law enforcement where required by law.

8. Intellectual Property and Limited License

The Site, including all content, text, graphics, logos, icons, images, audio, video, software, and other materials, as well as all associated intellectual property rights (collectively, “Hamilton Rock IP”), are owned by Hamilton Rock or its licensors and are protected by intellectual property and other laws.

Subject to your compliance with these Terms:

• Hamilton Rock grants you a limited, non‑exclusive, non‑transferable, revocable license to access and use the Site solely for lawful purposes and for your own internal business or personal use.

• You may not copy, modify, distribute, sell, lease, create derivative works from, or exploit the Site or any Hamilton Rock IP except as expressly permitted in these Terms.

Any use of Hamilton Rock IP not expressly authorised in these Terms is prohibited.

9. User Content and Feedback

If you submit, upload, or otherwise provide any content, information, or materials to us through the Site (for example, contact forms, feedback, comments, or suggestions) (“User Content”):

• You grant Hamilton Rock a non‑exclusive, worldwide, royalty‑free, sublicensable, and transferable licence to use, reproduce, modify, distribute, display, and perform that User Content for the purposes of operating, improving, and marketing the Site and our services.

• You represent and warrant that you have all rights necessary to grant this licence and that your User Content does not infringe, misappropriate, or violate any third‑party rights or applicable law.

If you submit ideas, suggestions, or feedback about Hamilton Rock or the Site (“Feedback”), we may use that Feedback without restriction and without any obligation to compensate you.

10. Third‑Party Sites, Content, and Services

The Site may contain links to third‑party websites, services, or resources that are not operated by Hamilton Rock.

• We do not control and are not responsible for the content, products, or services of any third parties.

• Your use of third‑party sites and services is at your own risk and subject to their terms and privacy policies, not ours.

Any references to third‑party products, services, or companies on the Site are for informational purposes and do not constitute an endorsement or recommendation.

11. Electronic Communications

By using the Site or submitting information through it, you consent to receive electronic communications from Hamilton Rock (for example, emails, in‑app messages, or web notices) related to the Site, including notices required by law.

You agree that:

• Electronic communications satisfy any legal requirement that communications be in writing, to the extent permitted by applicable law.

• We may, but are not obligated to, maintain paper copies of any electronic communications.

Product‑specific electronic‑communication consents (for example, under E‑SIGN and Reg E) are provided in the relevant product agreements and may include additional requirements.

12. Privacy

Your use of the Site is also governed by the Hamilton Rock Privacy Policy, which explains how we collect, use, and share information when you visit or interact with the Site.

• The Privacy Policy is incorporated by reference into these Terms.

• In the event of any conflict between these Terms and the Privacy Policy regarding data‑handling practices, the Privacy Policy will control with respect to those practices.

For consumer financial products, our GLBA Consumer Financial Privacy Notice describes our privacy practices relating to Nonpublic Personal Information as required by federal law.

13. Disclaimers

YOUR USE OF THE SITE IS AT YOUR SOLE RISK. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE AND ALL CONTENT AND MATERIALS AVAILABLE THROUGH IT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

HAMILTON ROCK AND ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS SPECIFICALLY DISCLAIM ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON‑INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

Without limiting the foregoing, we do not warrant that:

• The Site will be uninterrupted, secure, or error‑free.

• Any content on the Site is accurate, complete, or up to date.

• The Site will be free from viruses, malware, or other harmful components.

Certain jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL HAMILTON ROCK OR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUE, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HAMILTON ROCK’S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100) OR, IF GREATER, THE AMOUNT YOU HAVE PAID TO HAMILTON ROCK (IF ANY) FOR ACCESS TO THE SITE DURING THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow limitations of liability for certain types of damages, so some limitations may not apply to you.

15. Indemnification

You agree to indemnify, defend, and hold harmless Hamilton Rock and its affiliates, officers, directors, employees, and agents from and against any claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of or access to the Site.

• Your violation of these Terms.

• Your violation of any applicable law or the rights of any third party.

• Any User Content you submit or make available through the Site.

We reserve the right to assume exclusive defence and control of any matter otherwise subject to indemnification, in which case you agree to cooperate with us in asserting any available defences.

16. Dispute Resolution, Arbitration, and Class‑Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS.

To the extent permitted by applicable law, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site (collectively, “Disputes”) will be resolved through binding individual arbitration rather than in court, except that you may assert claims in small‑claims court if they qualify.

• You and Hamilton Rock agree to waive the right to a jury trial and to participate in class or representative actions.

• Disputes will be resolved on an individual basis; class actions, class arbitrations, private attorney‑general actions, and consolidation of claims with other arbitrations are not permitted.

The specific arbitration forum, rules (for example, AAA or JAMS), and procedures will be set out in a separate arbitration addendum or in your product‑specific agreements, as applicable. If a court finds that this arbitration clause is unenforceable as to a particular claim or request for relief, then that claim or request for relief will be severed and may be pursued in court, while the remaining Disputes continue to be arbitrated.

Nothing in this Section limits your or Hamilton Rock’s ability to seek temporary or preliminary injunctive relief in court to protect rights pending arbitration.

17. Changes to These Terms

We may update or modify these Terms from time to time.

• When we make changes, we will update the “Last Updated” date at the top of this page.

• For material changes, we may provide additional notice (for example, by posting a notice on the Site or sending you an email), where required by law.

Any changes are effective when posted unless a later effective date is stated. Your continued use of the Site after the effective date of updated Terms constitutes your acceptance of the changes.

18. Governing Law and Venue

These Terms and any Dispute arising out of or relating to them or the Site are governed by the laws specified in the governing‑law clause of your primary Hamilton Rock product agreement or, if none applies, the laws of the State of New York, without regard to its conflict‑of‑laws principles.

Subject to the arbitration provisions above, you and Hamilton Rock agree to submit to the exclusive jurisdiction of the state and federal courts located in New York County, New York, for any Disputes that are not subject to arbitration.

19. Miscellaneous

• Entire Agreement – These Terms, together with any other legal notices or policies referenced herein (such as the Privacy Policy), constitute the entire agreement between you and Hamilton Rock regarding your use of the Site.

• Severability – If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

• No Waiver – Our failure to enforce any right or provision under these Terms does not constitute a waiver of that right or provision.

• Assignment – You may not assign or transfer these Terms or any rights or obligations under them without our prior written consent. We may assign these Terms at any time without notice as part of a merger, acquisition, financing, or other corporate transaction.

• Headings – Section headings are for convenience only and do not affect interpretation.