Terms of Use

Please Read Carefully

1. Terms of Use

a. Summary- These Terms of Use ("Agreement") should be read carefully before using the services offered by FNEX, LLC and those of its subsidiaries and affiliates, including APPLIED CAPITAL, LLC (collectively referred to as “FNEX”), or accessing the websites of FNEX or those of its subsidiaries and affiliates. This Agreement sets forth the legally binding terms and conditions for your use of the website at www.fnex.com (the "Site") and the services owned and operated by FNEX (the "Service"). Usage of the Site or Service in any manner constitutes acceptance of this Agreement and any other rules, policies or procedure present on the site. This Agreement and additional rules, policies and procedures will be updated. These updates are hereby incorporated by reference. Use of this site is governed by the most recently published Agreement and applicable rules, policies and procedures. No notice will be provided upon publishing of an updated Agreement. This Agreement applies to all users of the Site and Service. If you do not agree to all the terms of this Agreement and/or FNEX’s Privacy Policy, you are not eligible to participate in FNEX’s Service or otherwise use this Site.

b. Investor Qualifications- Offerings on the Site are available only to Accredited Investors. FNEX follows the definition of Accredited Investor found in SEC Regulation Rule D. Some offerings may not be available to all Accredited Investors. By using this Site, you certify that you are an Accredited Investor or an advisor to Accredited Investors. By using this Site, you verify that you are legally capable of forming a binding contract and that all the information you submit is accurate and truthful. By completing an investment you certify that you are qualified for that investment and the investment is suitable considering your financial needs and investment criteria. You hereby acknowledge that Applied Capital, LLC may receive a fee from the Issuer or Selling Parties for any offering you access through the platform. If you are using the Site on behalf of any such entity, you represent and warrant that you are authorized to accept this Agreement on the entity’s behalf, and that such entity agrees to indemnify FNEX for violations of this Agreement. FNEX reserves the right to suspend or discontinue your access to the Site or Service at any time. FNEX further reserves the right, in its sole discretion, to block or otherwise discontinue your access and use of the Site at any time and for any reason. You agree that FNEX and its subsidiaries and affiliates will not be liable to you or to any third party for any such modification, suspension or discontinuance.

c. Securities Products- Offerings on this Site are only suitable for prospective investors who are familiar with, fully comprehend and are willing to accept high risk. Securities sold through private placements are not publicly traded and, therefore, are less liquid. Additionally, Investors may receive restricted stock that may be subject to holding period requirements and other restrictions on resale. Companies seeking private placement investments tend to be in earlier stages of development and thus have not yet been fully tested in the public marketplace. Investing in such private placements requires high risk tolerance, low liquidity concerns, and long-term commitments. For those reasons, Investors must be able to afford to lose their entire investment. The value of investments and the income from them can fall as well as rise. Past performance is not a guarantee of future performance. The contents of this Site do not constitute financial, legal or tax advice. Investors are solely responsible for conducting any legal, accounting or due diligence review. You should obtain investment and tax advice from your advisers before deciding to invest. Investment products are not FDIC insured, may lose value, and there is no bank guarantee. None of the information contained in the publicly available portions of the Site constitutes a recommendation, solicitation or offer to buy or sell any securities, options or other financial instruments or other assets or provide any investment advice or service. The information contained in the Site has been prepared without reference to any particular User's investment requirements or financial situation. The information and services provided on the Site are not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or where FNEX is not authorized to provide such information or services. Some products and services described in the Site may not be available in all jurisdictions or to all clients.


d. Underwriting- FNEX is not an underwriter of any securities offered on the Site, unless specifically noted. FNEX is authorized to take customer orders for the purchase of the securities on the Site. FNEX has not taken any steps to verify the adequacy, accuracy or completeness of any information.

e. Modification of Agreement- FNEX reserves the right, at its sole discretion, to modify or replace any of the terms of this Agreement, or change, suspend or discontinue the Service (including without limitation, the availability of any feature, database or content) at any time. Such modifications shall become part of this Agreement and are automatically effective once posted on the Site. This Agreement may not be orally amended. FNEX may also impose limits on certain features and services or restrict your access to parts or all of the Service without notice or liability. It is your responsibility to check the terms of this Agreement periodically for changes. Your continued use of the Service following the posting of any changes to the Terms of Use constitutes acceptance of those changes.

f. Proprietary Rights- The FNEX logo is a trademark and service mark of FNEX. FNEX or its licensors own and retain all proprietary rights in the Site, the Service and all material and information posted thereon ("Content"). The Site contains the copyrighted material, trademarks and other proprietary information of FNEX and its licensors. You may not alter, modify, publish, distribute, publicly display or sell any Content or other such proprietary information, or otherwise copy or transmit any Content or other such proprietary information without the express written permission of FNEX. In addition, to the extent you receive information from FNEX, Issuers or other Investors with respect to any Investment activity on the Site, you may not further disclose or otherwise provide such information to another party in any way that allows a personal identification of such Issuer or Investor. You agree that FNEX may, at its sole discretion and to the extent permitted by law, access, read, preserve and disclose your account information, usage history and submitted Content in order to: (a) comply with any applicable law, regulation, legal process, or governmental request; (b) respond to claims that any Content violates the rights of third parties, including intellectual property rights; (c) enforce this Agreement and investigate potential violations thereof; (d) detect, prevent, or otherwise address fraud, security, or technical issues; (e) respond to your requests for customer service; or (f) protect the rights, property, or personal safety of FNEX, its users, or the public.

g. Authorized User- Our Services and certain pages of the Site are available only to Investors who have been authorized by us to access those Services and web pages on the Site. Such authorization may require completion of an investor questionnaire and satisfactory background information screening and/or identification verification. Only users of FNEX with a valid User ID and password are authorized to access such services and web pages. Unauthorized use of the Site and our Service, including, but not limited to the misuse or sharing of passwords or misuse of any other information, is strictly prohibited. You may not use the Site in any manner that could damage, disable, overburden or impair the Site or Service or interfere with any other party's use and enjoyment of the Site or Service. You agree that you will not engage in any activities related to the Site that are contrary to applicable laws or regulations. You further agree that you are responsible for any unauthorized use of your password that is made before you have notified us and we have had a reasonable opportunity to act on that notice. FNEX reserves the right at its discretion to suspend or cancel your password, even without receiving such notice from you, if we suspect that it is being used in an unauthorized or fraudulent manner. Notwithstanding the above, you are responsible for monitoring your account and should promptly report any unauthorized or suspicious activity in your account to us at info@FNEX.com.

h. Use of Links- The Site may permit you to link to other websites or resources on the Internet, and other websites or resources may contain links to the Site. When you access third party websites, you do so at your own risk. These other websites are not under FNEX's control, and you acknowledge that FNEX is not responsible or liable for the content, functions, accuracy, legality, appropriateness or any other aspect of such websites or resources. Nor does FNEX endorse, investigate or adopt any third party content and makes no representations or warranties of any kind regarding such content. You further acknowledge and agree that FNEX shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any information, goods or services available on or through any such website or resource. You should also be aware that the terms and conditions and privacy policy of such sites may be different from those applicable to your use of the FNEX Site and Service.

i. Third Party Content- Certain portions of the Site may contain third party content and may provide links to webpages and content of third parties (collectively "Third Party Content"). FNEX makes no representations or warranties of any kind regarding the Third Party Content, including with respect to its accuracy or completeness. You acknowledge and agree that FNEX is not responsible or liable in any manner for any Third Party Content or your reliance upon Third Party Content. Users use such Third Party Content at their own risk.

j. Termination- FNEX may terminate your access to all or any part of the Site and Service at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your membership. All provisions of this Agreement shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability. Further, you agree that FNEX and its subsidiaries and affiliates will not be liable to you or to any third party for any such termination, suspension or discontinuance.

k. Warranty Disclaimer- FNEX has no special relationship with or fiduciary duty to you. You acknowledge that FNEX has no control over, and no duty to take any action regarding: which users gains access to the Site; what Content you access via the Site; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content. You release FNEX from all liability for you having acquired or not acquired Content through the Site. FNEX makes no representations concerning any Content contained in or accessed through the Site, and FNEX will not be responsible or liable for the accuracy, copyright compliance, legality or decency of material contained in or accessed through the Site or the Service.

l. Representations & Warranties- FNEX neither represents, warrants, nor promises any specific results from use of the Site. THE SITE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN IT OR ANY SERVICE OR ADVICE PROVIDED IN CONNECTION WITH THE SERVICE, IS PROVIDED "AS IS" WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE AND SITE-RELATED SERVICES. FNEX makes no representation or warranty, express or implied, with respect to any third party data provided to FNEX or its transmission, timeliness, accuracy or completeness, including but not limited to implied warranties or warranties of merchantability or fitness for a particular purpose. FNEX will not be liable in any way to you or to any other person for any inaccuracy, error or delay in or omission of any third party data or the transmission or delivery of any such third party data and any loss or damage arising from (a) any such inaccuracy, error, delay or omission, (b) non-performance or (c) interruption in any such third party data due either to any negligent act or omission by FNEX or "force majeure" or any other cause beyond the control of FNEX. THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" AND IS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED. YOUR USE OF THE SERVICE IS SOLELY AT YOUR OWN RISK.

m. Electronic Communication Privacy Act Notice (18usc 2701-2711): FNEX makes no guarantee of confidentiality or privacy of any communication or information transmitted on the site or any website linked to the site. FNEX will not be liable for the privacy of email addresses, registration and identification information, disk space, communications, confidential or trade-secret information, or any other Content stored on FNEX's equipment, transmitted over networks accessed by the Site, or otherwise connected with your use of the Service.

n. Indemnification- You shall defend, indemnify, and hold harmless FNEX, its affiliates and each of its employees, contractors, directors, suppliers and representatives from all liabilities, claims, and expenses, including reasonable attorneys' fees, that arise from or relate to your use or misuse of, or access to, the Site, Service, Content or otherwise from your User Submissions, violation of the Agreement, or infringement by you, or any third party using your account, of any intellectual property or other right of any person or entity. FNEX reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with FNEX in asserting any available defenses.

o. Limitation of Liability- IN NO EVENT SHALL FNEX, NOR ITS DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS, BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE SERVICE (I) FOR ANY LOST PROFITS, DATA LOSS, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER, SUBSTITUTE GOODS OR SERVICES (HOWEVER ARISING), (II) FOR ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE (REGARDLESS OF ORIGINATION), OR (III) FOR ANY DIRECT DAMAGES IN EXCESS OF (IN THE AGGREGATE) ONE-HUNDRED U.S. DOLLARS ($100.00). THE EXCLUSION OR LIMITATION ON DAMAGES IS VOID WHERE PROHIBITED.

p. Non-compete- You agree not to contact any individual entity listed on FNEX with any business proposal with may be in direct or indirect competition with FNEX and/or its respective partners and/or affiliate organizations. You further agree that you will not contact any company, issuer, investment bank, fund or other product sponsor listed on the FNEX platform without the written approval from FNEX, nor will you attempt to circumvent any relationship between any product sponsor and FNEX, or attempt to contact any such sponsor for purposes of securing an offering by such sponsor on a competitive platform. You agree that any violation of this section shall entitle FNEX to any lost revenue associated such violation plus treble damages.

q. Governing Law- This Agreement (and any further rules, policies or guidelines incorporated by reference herein) shall be governed by and construed in accordance with the laws of the State of Indiana, without giving effect to any principles of conflicts of law. (Arbitration).

r. Venue- If a party commences an action related to FNEX, the action shall be commenced in Marion County, Indiana, and each party hereto waives his or her right to file a Forums Non Conveniens action, and submits to jurisdiction in Indiana. FNEX uses waive the right to seek class action certification for claims related to FNEX services and the services of entities using FNEX services.

s. Registration Data; Account Security- In consideration of your use of the Site, you agree to (a) provide accurate, current and complete information about you as may be prompted by any registration forms on the Site ("Registration Data"); (b) maintain the security of your password and identification; (c) maintain and promptly update the registration Data, and any other information that you provide to FNEX, to keep it accurate, current and complete; and (d) accept all risks of unauthorized access to the Registration Data and any other information you provide to FNEX.

t. Integration and Severability- This Agreement is the entire agreement between you and FNEX with respect to the Service and use of the Site, and supersede all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and FNEX with respect to the Site. If any provision of the Terms of Use is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Agreement will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.

u. Managed Futures- All Managed Futures, including commodities, are offered by Capital Trading Group, registered with the Commodity Futures Trading Commission ("CFTC") as an introducing broker and member of the National Futures Association ("NFA"). By accessing this site and any pages thereof, you agree to be bound by its Terms of Use. FNEX does not make any recommendations regarding the appropriateness of particular opportunities for any Investor. Investors must conduct their own investigation of the merits and risks of each opportunity. Use of this website does not constitute an offer by FNEX to sell, solicit or make an offer to buy any such investment interest in any business venture. FNEX Users are subject a "cooling down" period after becoming a member and participating in any offering on the website. FNEX does not give or offer any business advice, investment advice, tax advice or legal advice to anyone using the website or the Services as defined herein the Terms of Use. For information regarding FINRA or individual brokers, go to www.finra.org or call the BrokerCheck hotline at (800) 289-9999. Information regarding BrokerCheck is available upon request.

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