Terms of Use

Version 1.0. Last revised on: May 1, 2026.

The website located at tablewealth.com, together with the Tablewealth platform, applications, APIs, dashboards, spreadsheet integrations, and related services (collectively, the "Site" or "Services"), is part of Tablewealth, an online service operated by a Delaware limited liability company ("Company", "Tablewealth", "us", "our", and "we"). Certain features of the Services may be subject to additional guidelines, terms, or rules, which will be posted in connection with such features. All such additional terms, guidelines, and rules are incorporated by reference into these Terms.

For purposes of these Terms, "Company" means the Delaware limited liability company that operates the Services and provides them to you. If the identity of the Company is relevant to any dispute, the Company may be established by reference to the business records associated with your use of the Services, including account records, billing records, invoices, receipts, transaction records, regulatory filings, and other contemporaneous records maintained in the ordinary course of business.

These Terms of Use (these "Terms") set forth the legally binding terms and conditions that govern your use of the Services. By accessing or using the Services, you accept these Terms on behalf of yourself or the entity that you represent, and you represent and warrant that you have the right, authority, and capacity to enter into these Terms. You may not access or use the Services or accept the Terms if you are not at least 18 years old. If you do not agree with all of the provisions of these Terms, do not access or use the Services.

PLEASE BE AWARE THAT SECTION 10.2 CONTAINS PROVISIONS GOVERNING HOW TO RESOLVE DISPUTES BETWEEN YOU AND COMPANY. AMONG OTHER THINGS, SECTION 10.2 INCLUDES AN AGREEMENT TO ARBITRATE WHICH REQUIRES, WITH LIMITED EXCEPTIONS, THAT DISPUTES BETWEEN YOU AND US SHALL BE RESOLVED BY BINDING AND FINAL ARBITRATION. SECTION 10.2 ALSO CONTAINS A CLASS ACTION AND JURY TRIAL WAIVER. PLEASE READ SECTION 10.2 CAREFULLY.

UNLESS YOU OPT OUT OF THE AGREEMENT TO ARBITRATE WITHIN 30 DAYS: (1) YOU WILL ONLY BE PERMITTED TO PURSUE DISPUTES OR CLAIMS AND SEEK RELIEF AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION; AND (2) YOU ARE WAIVING YOUR RIGHT TO PURSUE DISPUTES OR CLAIMS AND SEEK RELIEF IN A COURT OF LAW AND TO HAVE A JURY TRIAL.

Account Creation. In order to use certain features of the Services, you must register for an account ("Account") and provide certain information about yourself as prompted by the account registration form. You represent and warrant that all required registration information you submit is truthful and accurate and that you will maintain the accuracy of such information. You may delete your Account at any time, for any reason, by following the instructions in the Services. Company may suspend or terminate your Account in accordance with Section 8.

Account Responsibilities. You are responsible for maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account. You agree to immediately notify Company of any unauthorized use, suspected unauthorized use, or other breach of security. Company cannot and will not be liable for any loss or damage arising from your failure to comply with these requirements.

License. Subject to these Terms, Company grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Services solely for your own personal or internal business purposes.

Certain Restrictions. The rights granted to you in these Terms are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Services, whether in whole or in part, or any content displayed through the Services; (b) you shall not modify, make derivative works of, disassemble, reverse compile, or reverse engineer any part of the Services, except to the extent such restriction is prohibited by applicable law; (c) you shall not access the Services in order to build a similar or competitive website, product, or service; and (d) except as expressly stated in these Terms, no part of the Services may be copied, reproduced, distributed, republished, downloaded, displayed, posted, or transmitted in any form or by any means. Unless otherwise indicated, any future release, update, or other addition to functionality of the Services shall be subject to these Terms. All copyright and other proprietary notices on the Services, or on any content displayed through the Services, must be retained on all copies.

Modification. Company reserves the right, at any time, to modify, suspend, or discontinue the Services in whole or in part with or without notice to you. You agree that Company will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Services or any part thereof.

Support or Maintenance. Company has no obligation to provide support or maintenance for the Services except as expressly stated in a separate written agreement, subscription plan, or support policy.

Ownership. Excluding User Content and financial data that you provide or make available through the Services, you acknowledge that all intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the Services and their content are owned by Company or Company's suppliers. Neither these Terms nor your access to the Services transfers to you or any third party any rights, title, or interest in or to such intellectual property rights, except for the limited access rights expressly set forth in Section 2.1. Company and its suppliers reserve all rights not granted in these Terms. There are no implied licenses granted under these Terms.

Feedback. If you provide Company with feedback or suggestions regarding the Services ("Feedback"), you assign to Company all rights in such Feedback and agree that Company may use and fully exploit such Feedback and related information in any manner it deems appropriate. Company will treat Feedback as non-confidential and non-proprietary. You agree that you will not submit to Company any information or ideas that you consider confidential or proprietary.

User Content. "User Content" means information, content, files, notes, imports, records, account data, financial data, dashboard content, spreadsheet mappings, API requests, and other materials that a user submits to, connects to, imports into, stores in, or uses with the Services. You are solely responsible for your User Content. You represent and warrant that you have the rights and permissions needed to make User Content available through the Services and that your User Content does not violate our Acceptable Use Policy. You may not represent or imply to others that your User Content is provided, sponsored, or endorsed by Company.

Ownership and Limited License. As between you and Company, you retain ownership of your User Content, including financial data you connect, import, or enter. You grant Company a non-exclusive, worldwide, royalty-free license to host, store, process, reproduce, display, transmit, and use User Content solely as reasonably necessary to (a) provide, operate, secure, support, maintain, and improve the Services; (b) fulfill user-directed actions such as account syncs, dashboards, spreadsheet exports, API responses, webhooks, imports, and integrations; (c) troubleshoot errors and respond to support requests; (d) comply with applicable law; and (e) enforce these Terms. Company may sublicense these limited rights only to service providers and subprocessors acting on Company's behalf for those permitted purposes. This license does not give Company the right to sell your financial data, use your financial data for advertising, or train AI models on your financial data unless you expressly authorize that use through the Services or a separate agreement.

Data Deletion and Backups. Company is not obligated to backup User Content, and User Content may be deleted in accordance with the Services, these Terms, and our retention practices. You are responsible for creating and maintaining your own backup copies of User Content if you desire.

Acceptable Use Policy. The following terms constitute our "Acceptable Use Policy".

• You agree not to use the Services to collect, upload, transmit, display, or distribute any User Content that violates any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or other intellectual property or proprietary right.
• You agree not to use the Services to collect, upload, transmit, display, or distribute any User Content that is unlawful, harassing, abusive, tortious, threatening, harmful, invasive of another's privacy, vulgar, defamatory, false, intentionally misleading, trade libelous, pornographic, obscene, patently offensive, promotes racism, bigotry, hatred, or physical harm of any kind against any group or individual, or is otherwise objectionable.
• You agree not to use the Services to collect, upload, transmit, display, or distribute any User Content that is harmful to minors in any way or that violates any law, regulation, obligation, or restriction imposed by any third party.
• You agree not to upload, transmit, or distribute to or through the Services any computer viruses, worms, or software intended to damage or alter a computer system or data.
• You agree not to send through the Services unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other duplicative or unsolicited messages, whether commercial or otherwise.
• You agree not to use the Services to harvest, collect, gather, or assemble information or data regarding other users without their consent.
• You agree not to interfere with, disrupt, or create an undue burden on servers or networks connected to the Services, or violate the regulations, policies, or procedures of such networks.
• You agree not to attempt to gain unauthorized access to the Services or to other computer systems or networks connected to or used together with the Services, whether through password mining or any other means.
• You agree not to harass or interfere with any other user's use and enjoyment of the Services.
• You agree not to use software or automated agents or scripts to produce multiple accounts, generate automated searches, requests, or queries, or strip, scrape, or mine data from the Services, except for authorized use of documented API query endpoints in accordance with applicable API documentation, credentials, rate limits, and access permissions. We also conditionally grant operators of public search engines revocable permission to use spiders to copy public materials from the Site solely to the extent necessary for creating publicly available searchable indices, but not caches or archives, subject to our robots.txt file.

Enforcement. We reserve the right, but have no obligation, to review, refuse, remove, or modify User Content in our sole discretion, and to investigate or take appropriate action against you if you violate the Acceptable Use Policy or any other provision of these Terms or otherwise create liability for us or any other person. Such action may include removing or modifying User Content, terminating your Account in accordance with Section 8, and reporting you to law enforcement authorities.

You agree to indemnify and hold Company, and its officers, employees, and agents, harmless, including costs and attorneys' fees, from any claim or demand made by any third party due to or arising out of (a) your use of the Services, (b) your violation of these Terms, (c) your violation of applicable laws or regulations, or (d) your User Content. Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You agree not to settle any matter without Company's prior written consent. Company will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.

Third-Party Links and Services. The Services may contain links to third-party websites and services, connect to third-party financial institutions, data providers, spreadsheet providers, payment processors, and other services, or otherwise make third-party functionality available. Such third-party links and services are not under Company's control, and Company is not responsible for them. Company provides access only as a convenience to you and does not review, approve, monitor, endorse, warrant, or make any representations with respect to third-party links and services. You use third-party links and services at your own risk. When you use third-party links and services, the applicable third party's terms and policies apply, including privacy and data gathering practices.

Other Users. Each user is solely responsible for its own User Content. Since we do not control User Content, you acknowledge and agree that we are not responsible for User Content, whether provided by you or by others. We make no guarantees regarding the accuracy, currency, suitability, appropriateness, or quality of User Content. Your interactions with other users are solely between you and those users. Company will not be responsible for any loss or damage incurred as the result of such interactions. If there is a dispute between users, we are under no obligation to become involved.

Release. You release and forever discharge Company, and our officers, employees, agents, successors, and assigns, from each and every past, present, and future dispute, claim, controversy, demand, right, obligation, liability, action, and cause of action of every kind and nature that has arisen or arises directly or indirectly out of, or relates directly or indirectly to, the Services, including interactions with other users or third-party links and services. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542 IN CONNECTION WITH THE FOREGOING, WHICH STATES: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY."

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, AND COMPANY AND OUR SUPPLIERS EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT. WE AND OUR SUPPLIERS MAKE NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR WILL BE ACCURATE, RELIABLE, FREE OF VIRUSES OR OTHER HARMFUL CODE, COMPLETE, LEGAL, OR SAFE. IF APPLICABLE LAW REQUIRES WARRANTIES WITH RESPECT TO THE SERVICES, ALL SUCH WARRANTIES ARE LIMITED IN DURATION TO 90 DAYS FROM THE DATE OF FIRST USE.

TABLEWEALTH IS A SOFTWARE PLATFORM FOR ORGANIZING, VIEWING, SYNCING, EXPORTING, AND WORKING WITH FINANCIAL DATA. COMPANY IS NOT A REGISTERED INVESTMENT ADVISER, BROKER-DEALER, TAX ADVISER, ACCOUNTING FIRM, OR LAW FIRM. THE SERVICES, INCLUDING WEBSITE CONTENT, APPLICATION CONTENT, DASHBOARDS, SPREADSHEETS, CALCULATIONS, PROJECTIONS, ALERTS, AI-GENERATED OUTPUTS, AND OTHER MATERIALS, ARE PROVIDED FOR INFORMATIONAL AND ORGANIZATIONAL PURPOSES ONLY AND ARE NOT FINANCIAL, INVESTMENT, TAX, ACCOUNTING, LEGAL, OR OTHER PROFESSIONAL ADVICE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COMPANY OR OUR SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS, LOST DATA, COSTS OF PROCUREMENT OF SUBSTITUTE PRODUCTS, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE SERVICES, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ACCESS TO AND USE OF THE SERVICES IS AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR COMPUTER SYSTEM OR LOSS OF DATA RESULTING THEREFROM.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED IN THESE TERMS, OUR LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THESE TERMS, FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO A MAXIMUM OF FIFTY U.S. DOLLARS. THE EXISTENCE OF MORE THAN ONE CLAIM WILL NOT ENLARGE THIS LIMIT. YOU AGREE THAT OUR SUPPLIERS WILL HAVE NO LIABILITY OF ANY KIND ARISING FROM OR RELATING TO THESE TERMS.

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

Subject to this Section, these Terms will remain in full force and effect while you use the Services. We may suspend or terminate your rights to use the Services, including your Account, at any time for any reason at our sole discretion, including for any use of the Services in violation of these Terms. Upon termination of your rights under these Terms, your Account and right to access and use the Services will terminate immediately. You understand that termination of your Account may involve deletion of User Content associated with your Account from our live databases, subject to our retention practices and legal obligations. Company will not have any liability whatsoever to you for any termination of your rights under these Terms, including termination of your Account or deletion of User Content. Even after your rights under these Terms are terminated, the following provisions will remain in effect: Sections 2.2 through 2.6, Section 3, and Sections 4 through 10.

Company respects the intellectual property of others and asks that users of our Services do the same. In connection with our Services, we have adopted and implemented a policy respecting copyright law that provides for the removal of infringing materials and for the termination, in appropriate circumstances, of users who are repeat infringers of intellectual property rights, including copyrights. If you believe that one of our users is unlawfully infringing the copyright in a work and wish to have the allegedly infringing material removed, the following information in the form of a written notification pursuant to 17 U.S.C. Section 512(c) must be provided to our designated Copyright Agent:

• Your physical or electronic signature.
• Identification of the copyrighted work or works that you claim have been infringed.
• Identification of the material on our services that you claim is infringing and that you request us to remove.
• Sufficient information to permit us to locate such material.
• Your address, telephone number, and email address.
• A statement that you have a good faith belief that use of the objectionable material is not authorized by the copyright owner, its agent, or the law.
• A statement that the information in the notification is accurate, and under penalty of perjury, that you are the owner of the copyright that has allegedly been infringed or are authorized to act on behalf of the copyright owner.

Please note that, pursuant to 17 U.S.C. Section 512(f), any misrepresentation of material fact in a written notification automatically subjects the complaining party to liability for any damages, costs, and attorneys' fees incurred by us in connection with the written notification and allegation of copyright infringement.

You may reach out to help@tablewealth.com to provide more information.

Changes. These Terms are subject to occasional revision, and if we make substantial changes, we may notify you by sending an email to the last email address you provided to us, if any, and/or by prominently posting notice of the changes on our Site. You are responsible for providing us with your most current email address. If the last email address you provided is not valid, or for any reason is not capable of delivering notice to you, our dispatch of the email containing such notice will nonetheless constitute effective notice of the changes described in the notice. Continued use of our Services following notice of such changes indicates your acknowledgement of such changes and agreement to be bound by them.

Dispute Resolution. Please read the following arbitration agreement in this Section 10.2 (the "Arbitration Agreement") carefully. It requires you to arbitrate disputes with Company, its parent companies, subsidiaries, affiliates, successors and assigns, and all of their respective officers, directors, employees, agents, and representatives (collectively, the "Company Parties") and limits the manner in which you can seek relief from the Company Parties.

Applicability of Arbitration Agreement. You agree that any dispute between you and any of the Company Parties relating in any way to the Site, the services offered on the Site, or these Terms will be resolved by binding arbitration, rather than in court, except that (1) you and the Company Parties may assert individualized claims in small claims court if the claims qualify, remain in such court, and advance solely on an individual, non-class basis; and (2) you or the Company Parties may seek equitable relief in court for infringement or other misuse of intellectual property rights, such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents. This Arbitration Agreement shall survive the expiration or termination of these Terms and shall apply, without limitation, to all claims that arose or were asserted before you agreed to these Terms or any prior version of these Terms. This Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies. Such agencies can, if the law allows, seek relief against the Company Parties on your behalf. For purposes of this Arbitration Agreement, "Dispute" includes disputes that arose or involve facts occurring before the existence of this or any prior versions of the agreement as well as claims that may arise after termination of these Terms.

Informal Dispute Resolution. There might be instances when a Dispute arises between you and Company. If that occurs, Company is committed to working with you to reach a reasonable resolution. You and Company agree that good faith informal efforts to resolve Disputes can result in a prompt, low-cost, and mutually beneficial outcome. Before either party commences arbitration against the other, or initiates an action in small claims court if a party so elects, we will personally meet and confer telephonically or by videoconference in a good faith effort to resolve informally any Dispute covered by this Arbitration Agreement (an "Informal Dispute Resolution Conference"). If you are represented by counsel, your counsel may participate in the conference, but you will also participate in the conference.

The party initiating a Dispute must give notice to the other party in writing of its intent to initiate an Informal Dispute Resolution Conference ("Notice"), which shall occur within 45 days after the other party receives such Notice unless an extension is mutually agreed upon by the parties. Notice to Company should be sent by email to help@tablewealth.com or by regular mail to 131 Continental Dr, Suite 305, Newark, Delaware 19713. The Notice must include: (1) your name, telephone number, mailing address, and email address associated with your account, if you have one; (2) the name, telephone number, mailing address, and email address of your counsel, if any; and (3) a description of your Dispute.

The Informal Dispute Resolution Conference shall be individualized such that a separate conference must be held each time either party initiates a Dispute, even if the same law firm or group of law firms represents multiple users in similar cases, unless all parties agree. Multiple individuals initiating a Dispute cannot participate in the same Informal Dispute Resolution Conference unless all parties agree. In the time between a party receiving the Notice and the Informal Dispute Resolution Conference, nothing in this Arbitration Agreement prohibits the parties from engaging in informal communications to resolve the initiating party's Dispute. Engaging in the Informal Dispute Resolution Conference is a condition precedent and requirement that must be fulfilled before commencing arbitration. The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in this process.

Arbitration Rules and Forum. These Terms evidence a transaction involving interstate commerce, and the Federal Arbitration Act, 9 U.S.C. Section 1 et seq., will govern the interpretation and enforcement of this Arbitration Agreement and any arbitration proceedings. If the Informal Dispute Resolution Process does not resolve satisfactorily within 60 days after receipt of your Notice, you and Company agree that either party has the right to finally resolve the Dispute through binding arbitration. The arbitration will be conducted by JAMS. Disputes involving claims and counterclaims with an amount in controversy under $250,000, not inclusive of attorneys' fees and interest, shall be subject to JAMS' most current Streamlined Arbitration Rules and procedures available at http://www.jamsadr.com/rules-streamlined-arbitration/. All other claims shall be subject to JAMS' most current Comprehensive Arbitration Rules and Procedures, available at http://www.jamsadr.com/rules-comprehensive-arbitration/. JAMS rules are also available at www.jamsadr.com or by calling JAMS at 800-352-5267.

A party who wishes to initiate arbitration must provide the other party with a request for arbitration (the "Request"). The Request must include: (1) the name, telephone number, mailing address, and email address of the party seeking arbitration and the account username, if applicable, as well as the email address associated with any applicable account; (2) a statement of the legal claims being asserted and the factual bases of those claims; (3) a description of the remedy sought and an accurate, good-faith calculation of the amount in controversy in United States Dollars; (4) a statement certifying completion of the Informal Dispute Resolution process; and (5) evidence that the requesting party has paid any necessary filing fees in connection with such arbitration.

If the party requesting arbitration is represented by counsel, the Request shall also include counsel's name, telephone number, mailing address, and email address. Such counsel must sign the Request. By signing the Request, counsel certifies to the best of counsel's knowledge, information, and belief, formed after an inquiry reasonable under the circumstances, that: (1) the Request is not being presented for any improper purpose; (2) the claims, defenses, and other legal contentions are warranted by existing law or by a nonfrivolous argument for changing existing law or establishing new law; and (3) the factual and damages contentions have evidentiary support or, if specifically so identified, will likely have evidentiary support after a reasonable opportunity for further investigation or discovery.

Unless you and Company otherwise agree, or the Batch Arbitration process discussed in Section 10.2(h) is triggered, the arbitration will be conducted in the county where you reside. Subject to the JAMS Rules, the arbitrator may direct a limited and reasonable exchange of information between the parties. If JAMS is not available to arbitrate, the parties will select an alternative arbitral forum. Your responsibility to pay JAMS fees and costs will be solely as set forth in the applicable JAMS Rules. You and Company agree that all materials and documents exchanged during arbitration proceedings shall be kept confidential and shall not be shared with anyone except the parties' attorneys, accountants, or business advisors, and then subject to the condition that they agree to keep all such materials and documents confidential.

Authority of Arbitrator. The arbitrator shall have exclusive authority to resolve all disputes subject to arbitration hereunder, including any dispute related to the interpretation, applicability, enforceability, or formation of this Arbitration Agreement, except that a court of competent jurisdiction and not an arbitrator shall decide: (1) disputes arising out of or relating to the subsection entitled "Waiver of Class or Other Non-Individualized Relief"; (2) except as expressly contemplated in the subsection entitled "Batch Arbitration", disputes about the payment of arbitration fees; (3) disputes about whether either party has satisfied any condition precedent to arbitration; and (4) disputes about which version of the Arbitration Agreement applies. The arbitration proceeding will not be consolidated with any other matters or joined with any other cases or parties, except as expressly provided in the subsection entitled "Batch Arbitration". The arbitrator may grant motions dispositive of all or part of any claim or dispute and may award monetary damages and any non-monetary remedy or relief available to an individual party under applicable law, the arbitral forum's rules, and these Terms. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award or decision is based. The arbitrator shall follow applicable law. The award is final and binding upon you and us. Judgment on the arbitration award may be entered in any court having jurisdiction.

Waiver of Jury Trial. EXCEPT AS SPECIFIED IN SECTION 10.2(a), YOU AND THE COMPANY PARTIES WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY. You and the Company Parties instead elect that all covered claims and disputes shall be resolved exclusively by arbitration under this Arbitration Agreement, except as specified in Section 10.2(a). An arbitrator can award on an individual basis the same damages and relief as a court and must follow these Terms as a court would. However, there is no judge or jury in arbitration, and court review of an arbitration award is subject to very limited review.

Waiver of Class or Other Non-Individualized Relief. YOU AND COMPANY AGREE THAT, EXCEPT AS SPECIFIED IN SECTION 10.2(h), EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS, AND THE PARTIES WAIVE ALL RIGHTS TO HAVE ANY DISPUTE BE BROUGHT, HEARD, ADMINISTERED, RESOLVED, OR ARBITRATED ON A CLASS, COLLECTIVE, REPRESENTATIVE, OR MASS ACTION BASIS. ONLY INDIVIDUAL RELIEF IS AVAILABLE, AND DISPUTES OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER. Subject to this Arbitration Agreement, the arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. If a court decides by final decision that the limitations of this subsection are invalid or unenforceable as to a particular claim or request for relief, that claim or request for relief, and only that claim or request for relief, shall be severed from arbitration and may be litigated in the state or federal courts located in the State of Delaware. This subsection does not prevent you or Company from participating in a class-wide settlement of claims.

Attorneys' Fees and Costs. The parties shall bear their own attorneys' fees and costs in arbitration unless the arbitrator finds that either the substance of the Dispute or the relief sought in the Request was frivolous or brought for an improper purpose. If you or Company need to invoke the authority of a court of competent jurisdiction to compel arbitration, the party that obtains an order compelling arbitration shall have the right to collect from the other party its reasonable costs, necessary disbursements, and reasonable attorneys' fees incurred in securing the order. The prevailing party in any court action relating to whether either party has satisfied any condition precedent to arbitration, including the Informal Dispute Resolution Process, is entitled to recover reasonable costs, necessary disbursements, and reasonable attorneys' fees and costs.

Batch Arbitration. To increase efficiency, you and Company agree that if 100 or more individual Requests of a substantially similar nature are filed against Company by or with the assistance of the same law firm, group of law firms, or organizations within a 30-day period, or as soon as possible thereafter, JAMS shall: (1) administer the arbitration demands in batches of 100 Requests per batch, plus a final batch for any remaining Requests; (2) appoint one arbitrator for each batch; and (3) provide for resolution of each batch as a single consolidated arbitration with one set of filing and administrative fees due per side per batch, one procedural calendar, one hearing if any, and one final award ("Batch Arbitration").

All parties agree that Requests are of a "substantially similar nature" if they arise out of or relate to the same event or factual scenario and raise the same or similar legal issues and seek the same or similar relief. If the parties disagree on the application of the Batch Arbitration process, the disagreeing party shall advise JAMS, and JAMS shall appoint a sole standing arbitrator to determine applicability (the "Administrative Arbitrator"). The Administrative Arbitrator may set procedures as necessary to resolve disputes promptly. The Administrative Arbitrator's fees shall be paid by Company. You and Company agree to cooperate in good faith with JAMS to implement the Batch Arbitration process, including payment of single filing and administrative fees for batches of Requests and steps to minimize the time and costs of arbitration. This Batch Arbitration provision shall not be interpreted as authorizing a class, collective, or mass arbitration or action of any kind, or arbitration involving joint or consolidated claims, except as expressly set forth in this provision.

30-Day Right to Opt Out. You have the right to opt out of this Arbitration Agreement by sending a timely written notice of your decision to opt out to 131 Continental Dr, Suite 305, Newark, Delaware 19713, or by email to help@tablewealth.com, within 30 days after first becoming subject to this Arbitration Agreement. Your notice must include your name and address and a clear statement that you want to opt out of this Arbitration Agreement. If you opt out, all other parts of these Terms will continue to apply. Opting out has no effect on any other arbitration agreements you may currently have with us or may enter into in the future.

Invalidity; Expiration. Except as provided in the subsection entitled "Waiver of Class or Other Non-Individualized Relief", if any part of this Arbitration Agreement is found invalid or unenforceable, that specific part shall be of no force and effect and shall be severed, and the remainder shall continue in full force and effect. You further agree that any Dispute you have with Company as detailed in this Arbitration Agreement must be initiated via arbitration within the applicable statute of limitation for that claim or controversy, or it will be forever time barred. All applicable statutes of limitation will apply to arbitration in the same manner as they would apply in court.

Modification. Notwithstanding any provision in these Terms to the contrary, if Company makes any future material change to this Arbitration Agreement, you may reject that change within 30 days after it becomes effective by writing Company at 131 Continental Dr, Suite 305, Newark, Delaware 19713, or by email to help@tablewealth.com. Unless you reject the change within 30 days, your continued use of the Services following posting of changes constitutes acceptance of those changes. Changes to this Arbitration Agreement do not provide a new opportunity to opt out if you previously agreed to a version of these Terms and did not validly opt out. Company will continue to honor any valid opt outs of the Arbitration Agreement that you made to a prior version of these Terms.

Export. The Services may be subject to U.S. export control laws and may be subject to export or import regulations in other countries. You agree not to export, reexport, or transfer, directly or indirectly, any U.S. technical data acquired from Company, or any products utilizing such data, in violation of United States export laws or regulations.

Disclosures. Company is located at the address in Section 10.8. If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Product of the California Department of Consumer Affairs by contacting them in writing at 400 R Street, Sacramento, CA 95814, or by telephone at (800) 952-5210.

Electronic Communications. Communications between you and Company use electronic means, whether you use the Services, send us emails, or Company posts notices on the Site or communicates with you by email. For contractual purposes, you consent to receive communications from Company in electronic form and agree that all terms, conditions, agreements, notices, disclosures, and other communications that Company provides electronically satisfy any legal requirement that such communications would satisfy if in hardcopy writing. The foregoing does not affect your non-waivable rights.

Entire Terms. These Terms constitute the entire agreement between you and us regarding use of the Services. Our failure to exercise or enforce any right or provision shall not operate as a waiver. Section titles are for convenience only and have no legal or contractual effect. The word "including" means "including without limitation". If any provision is held invalid or unenforceable, the other provisions will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law. Your relationship to Company is that of an independent contractor, and neither party is an agent or partner of the other. You may not assign, subcontract, delegate, or otherwise transfer these Terms or your rights and obligations without Company's prior written consent, and any attempted assignment, subcontract, delegation, or transfer in violation of the foregoing will be null and void. Company may freely assign these Terms. These Terms shall be binding upon assignees.

Copyright/Trademark Information. Copyright (c) 2026 Tablewealth. All rights reserved. All trademarks, logos, and service marks of Company displayed on the Services are our property or the property of other third parties. References are used for identification purposes only and do not imply endorsement, sponsorship, or affiliation.

Contact Information. Tablewealth, 131 Continental Dr, Suite 305, Newark, Delaware 19713. Email: help@tablewealth.com.