Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you and Hobie Holdings ("Company," "we," "us," or "our") concerning your access to and use of our website hobieholdings.com and our investment services.

By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not access or use our website or services.

Use of Our Services

Eligibility

Our investment services are intended for individuals who are at least 18 years of age and have the legal capacity to enter into binding contracts. Certain services may be restricted to accredited investors or qualified purchasers as defined by applicable securities laws.

Permitted Use

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You agree not to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit any harmful or malicious code
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of our website
• Impersonate any person or entity
• Collect or harvest information about other users

Investment Services

No Guarantee of Returns

All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. We do not guarantee any specific investment returns or outcomes.

Advisory Relationship

Our investment advisory services are provided on a fiduciary basis, meaning we are obligated to act in your best interest. However, you acknowledge that you retain ultimate responsibility for all investment decisions made in your account.

Suitability and Risk Assessment

We will make reasonable efforts to ensure that our investment recommendations are suitable for your financial situation, goals, and risk tolerance based on the information you provide. You agree to provide accurate, complete, and current information and to notify us promptly of any material changes.

Fees and Compensation

Our fee structure will be clearly disclosed in your advisory agreement or other engagement documents. Fees may include:

• Asset-based management fees
• Hourly or project-based consulting fees
• Performance-based compensation (where applicable and permitted)
• Transaction costs and custodial fees

All fees are subject to the terms specified in your advisory agreement. We reserve the right to modify our fee structure with appropriate notice as required by law.

Intellectual Property Rights

All content on our website, including text, graphics, logos, images, software, and other materials, is the property of Hobie Holdings or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, display, or create derivative works from any content on our website without our prior written consent.

Confidentiality

We will maintain the confidentiality of your personal and financial information in accordance with our Privacy Policy and applicable laws. You agree to maintain the confidentiality of any proprietary information, investment strategies, or research we share with you.

Disclaimers and Limitations of Liability

Website Disclaimer

Our website and its content are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free from viruses or other harmful components.

Investment Disclaimer

Information on our website is for general informational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell securities. You should not rely solely on this information for making investment decisions.

Limitation of Liability

To the maximum extent permitted by law, Hobie Holdings and its affiliates, officers, directors, employees, and agents will not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or relating to your use of our website or services, including but not limited to investment losses.

Indemnification

You agree to indemnify, defend, and hold harmless Hobie Holdings and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of your use of our website or services, your violation of these Terms, or your violation of any rights of another party.

Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Hobie Holdings. We are not responsible for the content, privacy policies, or practices of any third-party websites or services.

Regulatory Compliance

Hobie Holdings is committed to complying with all applicable securities laws and regulations. Our services are subject to regulatory oversight, and we maintain appropriate registrations with relevant regulatory authorities.

Investment advisory services are provided in accordance with the Investment Advisers Act of 1940 and applicable state regulations.

Termination

We reserve the right to terminate or suspend your access to our website and services at any time, without notice, for any reason, including violation of these Terms.

Either party may terminate the advisory relationship in accordance with the terms specified in your advisory agreement. Upon termination, you remain responsible for any fees incurred prior to the termination date.

Dispute Resolution

Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

Arbitration

Any dispute arising out of or relating to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, unless otherwise specified in your advisory agreement.

Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of our website or services after such changes constitutes your acceptance of the modified Terms.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any advisory agreement you enter into with us, constitute the entire agreement between you and Hobie Holdings concerning your use of our website and services.

Contact Information

If you have questions about these Terms and Conditions, please contact us:

Hobie Holdings
110 W 90th St
New York, NY 10024
Email: info@hobieholdings.com