1. Eligibility

To use the Service, you must:

• Be at least 18 years old (or the age of majority in your jurisdiction, whichever is greater).
• Have the legal capacity to enter into these Terms.
• Not be a Restricted Person, located in a Restricted Region, or subject to applicable sanctions (see Section 2).
• Not be barred by any applicable law from using the Service or the venues, protocols, or assets accessed through it.

You represent and warrant that you meet these requirements at all times during your use of the Service.

2. Restricted Persons and Regions

You may not access or use the Service if you are:

• A resident of, located in, or organized under the laws of a jurisdiction subject to comprehensive U.S., U.K., E.U., or U.N. sanctions, or any jurisdiction where the Service or any feature is prohibited by applicable law.
• Listed on any applicable sanctions or denied-persons list (including OFAC SDN, U.K. HMT, E.U. consolidated lists).
• Otherwise prohibited from using the Service or any underlying venue, protocol, or asset.

Certain features (including prediction market views, specific tokenized assets, and execution venues) are available only in select regions. We may use IP, wallet, and other signals to enforce these restrictions. You agree not to circumvent geographic or eligibility restrictions through VPN, proxy, false declarations, or similar means.

3. Account, sign-in, and wallets

3.1 Account creation

You can sign in using email or Google. You are responsible for the accuracy and security of your sign-in credentials and for all activity that occurs under your account.

3.2 Privy-managed wallets

The Service uses Privy to provision and operate server-managed wallets that enable funding, automation, and execution flows. Your use of Privy is also subject to Privy's own terms and privacy policy. We do not custody your assets ourselves and do not control underlying DeFi protocols, blockchains, or execution venues. You acknowledge and accept the risks associated with server-managed wallets, including reliance on third-party infrastructure.

3.3 Account security

You must promptly notify us at support@altllm.ai of any unauthorized access or suspected compromise of your account. We are not liable for losses arising from unauthorized use you fail to prevent or report promptly.

3.4 Suspension and termination

We may suspend or terminate your access at any time, with or without notice, if we believe you have violated these Terms, applicable law, or to protect the Service, our users, or third parties. We may also suspend the Service in whole or part at any time, including for maintenance, security, regulatory, or operational reasons.

4. The Service

The Service may include, among other features:

• Strategy automation (e.g., DCA) that submits orders to execution venues such as Hyperliquid on your direction.
• Portfolio and funding views that show balances, account readiness, and pending movement.
• Tokenized asset workspaces that route to third-party tokenized asset venues and issuers.
• Market intelligence showing news, signals, and asset context.
• Prediction market views that surface event pricing and venue context where available.

Feature availability changes over time. Features described in the Service as "planned," "coming soon," or "roadmap" are not commitments and may change or be discontinued.

5. User responsibilities

You agree to:

• Use the Service only for lawful purposes and in compliance with all applicable laws.
• Provide accurate information and keep it current.
• Independently evaluate every transaction, asset, venue, protocol, and strategy before acting.
• Maintain sufficient funding (including USDC and required gas tokens) for the actions you initiate.
• Be solely responsible for your tax obligations, reporting, and recordkeeping.
• Not use the Service to commit, facilitate, or attempt fraud, market manipulation, money laundering, sanctions evasion, terrorism financing, or any other unlawful activity.

You are solely responsible for all decisions, transactions, and outcomes resulting from your use of the Service.

6. Prohibited conduct

You will not, and will not attempt to:

• Reverse engineer, decompile, scrape (other than through publicly documented means), or extract source code from the Service.
• Interfere with, disrupt, or impose unreasonable load on the Service, including via bots, crawlers, or denial-of-service techniques.
• Bypass authentication, security, rate limits, or geographic restrictions.
• Use the Service to engage in market abuse, wash trading, layering, spoofing, front-running, or other manipulative practices.
• Misrepresent your identity, location, eligibility, or affiliation.
• Upload or transmit malware, exploits, or harmful code.
• Resell, sublicense, or commercially exploit the Service without our written consent.
• Use the Service in violation of any third-party terms (including Privy, Hyperliquid, network providers, or tokenized asset issuers).

7. Third-party venues, protocols, and providers

The Service interoperates with third-party services, including but not limited to:

• Privy for wallet provisioning and management.
• Hyperliquid for spot and perpetual execution.
• Ethereum, Solana, and other blockchains as networks for funding and settlement.
• DeFi protocols such as Morpho-based ERC-4626 vaults, bridges, and DEXs.
• Tokenized asset issuers and venues.
• Prediction market venues and data providers.
• Authentication and analytics providers (e.g., Google).

Your use of these third parties is governed by their terms and policies. We do not control, endorse, or guarantee any third-party service, asset, protocol, or venue, and we are not responsible for their availability, performance, security, smart-contract behavior, custody practices, or losses they cause. Once a transaction is broadcast to a blockchain, it generally cannot be reversed.

8. Fees and costs

We may add platform fees at any time, including a configurable share of yield generated through integrated vaults. Fees, when applicable, will be disclosed in the Service.

Regardless of any Ottie fee, you are responsible for:

• Venue fees, spreads, slippage, funding rates, and trading costs.
• Network gas and transaction fees on Arbitrum, Solana, and other supported chains.
• Bridge, swap, and routing costs.
• Third-party provider costs (including DeFi protocol fees, curator fees, and issuer fees).
• Taxes, withholdings, or levies imposed by any authority.

Prices, fees, and routing may change without notice based on market conditions and third-party behavior.

9. Automation and execution

You authorize Ottie to submit orders, deposit and withdraw assets, claim incentives, and otherwise execute transactions through your Privy-managed wallet in accordance with strategies and instructions you configure (including DCA and similar automation). You may pause, modify, or cancel automation as provided in the Service, subject to operational delays and venue or network conditions.

You acknowledge that:

• Automation does not eliminate market, custody, smart-contract, bridge, venue, liquidity, or execution risk.
• Execution may be delayed, partial, failed, or filled at adverse prices.
• Guardrails, readiness checks, and previews are informational and not guarantees of outcome.
• Configuration mistakes by you (including amounts, frequencies, asset selections, or chain selections) are your responsibility.

10. No advice; no fiduciary duty

The Service, including any content, signals, news, market context, prediction market data, ratings, or analytics, is provided for informational purposes only. Nothing on the Service is investment, financial, legal, tax, or accounting advice, a recommendation, a solicitation, or an offer to buy, sell, or hold any asset. We are not your broker, dealer, investment adviser, fiduciary, or agent. You should consult your own qualified advisors before making any financial decision.

11. Intellectual property

The Service, including all software, content, designs, logos, text, graphics, and trademarks (other than third-party marks), is owned by Ottie or its licensors and is protected by intellectual property laws.

We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial use, subject to these Terms. All rights not expressly granted are reserved. You may not use our marks without our prior written consent.

Feedback you submit may be used by us without restriction or compensation.

12. Risk Disclosure

You acknowledge and accept the following risks, among others:

• Market risk. Crypto and tokenized assets are highly volatile. Prices can fall rapidly and significantly, and you may lose some or all of your funds.
• Custody risk. Wallets, including Privy-managed server wallets, depend on third-party infrastructure that may experience downtime, compromise, or operational failure.
• Smart-contract risk. DeFi protocols (including ERC-4626 vaults, lending markets, bridges, and DEXs) may contain bugs, exploits, or governance changes that result in loss of funds.
• Bridge and chain risk. Cross-chain transfers and network conditions can fail, stall, or be reversed, and may result in loss.
• Venue risk. Execution venues such as Hyperliquid may experience outages, liquidations, oracle issues, or other failures.
• Liquidity and execution risk. Orders may be filled at adverse prices, partially filled, or not filled at all. Slippage, spreads, and funding rates can materially affect outcomes.
• Tokenized asset risk. Tokenized stocks, RWAs, and similar instruments depend on issuer solvency, redemption mechanics, regulatory treatment, and reference asset performance.
• Prediction market risk. Outcome resolution, venue solvency, and regulatory status vary.
• Regulatory risk. Laws and regulations are evolving and may change in ways that affect availability, value, or legality of features and assets.
• Tax risk. Transactions may have tax consequences that are your responsibility.
• Irreversibility. Blockchain transactions are generally irreversible. Misconfiguration, lost access, or compromised credentials may result in permanent loss.
• No guarantees. Past performance does not indicate future results. Yields, APYs, and strategy outcomes are not guaranteed.

Only use funds you can afford to lose.

13. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OTTIE AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS DISCLAIM ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY, AND QUIET ENJOYMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM HARMFUL COMPONENTS, OR THAT ANY DATA, SIGNAL, OR EXECUTION WILL BE TIMELY, ACCURATE, OR COMPLETE. WE DO NOT WARRANT ANY THIRD-PARTY VENUE, PROTOCOL, ASSET, OR PROVIDER.

NO ADVICE OR INFORMATION OBTAINED FROM THE SERVICE CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• IN NO EVENT WILL OTTIE OR ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR ASSETS, ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
• OUR AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO OTTIE IN THE 3 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM AND (B) U.S. $100.

THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, STATUTE, OR OTHERWISE). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

15. Indemnification

You agree to defend, indemnify, and hold harmless Ottie and its affiliates, officers, employees, agents, and licensors from and against any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) your violation of these Terms or any law; (c) your violation of any third-party right; (d) any transaction, strategy, or instruction you direct through the Service; or (e) any content or information you submit.

We may assume the exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate with our defense.

16. Governing law and dispute resolution

These Terms are governed by the laws of the State of Delaware, U.S.A., without regard to conflict-of-laws principles.

16.1 Informal resolution

Before filing a claim, you agree to attempt to resolve the dispute informally by contacting us at legal@altllm.ai. If we cannot resolve the dispute within 60 days, either party may proceed to formal dispute resolution.

16.2 Arbitration

Any dispute arising out of or relating to these Terms or the Service that is not resolved informally will be resolved by binding arbitration administered by JAMS under its rules, by a single arbitrator, in English, seated in Wilmington, Delaware (or another mutually agreed location, including by video). Judgment on the award may be entered in any court of competent jurisdiction.

Class action waiver. You and Ottie each waive any right to bring or participate in a class, collective, or representative action. Disputes must be brought in an individual capacity.

Exceptions. Either party may bring an individual action in small-claims court, or seek injunctive or equitable relief in court for intellectual property, confidentiality, or unauthorized access claims.

If any portion of this Section is found unenforceable, the parties' agreement is to arbitrate in accordance with the enforceable remainder.

17. Changes to the Service and Terms

We may modify, suspend, or discontinue any part of the Service at any time, with or without notice. We may update these Terms from time to time. If we make material changes, we will notify you through the Service or by email and update the "Last updated" date above. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree, you must stop using the Service.

18. Availability

The Service is not intended for users in jurisdictions where access would be unlawful. Availability of specific features, assets, venues, and protocols varies by region and may change at any time. We make no representation that the Service is appropriate or available for use in any particular location.

19. Communications

You consent to receive communications from us electronically, including service announcements, security notices, and administrative messages. Where permitted, we may also send product updates. You may opt out of non-essential communications through the Service or by contacting us.

20. Miscellaneous

• Entire agreement. These Terms, together with the Privacy Policy and any in-product policies, constitute the entire agreement between you and Ottie regarding the Service and supersede prior agreements.
• Severability. If any provision is found unenforceable, the remaining provisions remain in effect.
• Waiver. Our failure to enforce any right or provision is not a waiver of that right or provision.
• Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, reorganization, or sale of assets.
• No third-party beneficiaries. Except as expressly stated, these Terms create no third-party beneficiary rights.
• Force majeure. We are not liable for delays or failures due to events beyond our reasonable control (including network outages, protocol failures, venue outages, cyber-attacks, regulatory action, and acts of God).
• Survival. Provisions that by their nature should survive termination (including Sections 7, 8, 10, 12–16, 20) will survive.

21. Contact

Ottie Wealth General: support@altllm.ai Legal: legal@altllm.ai Privacy: privacy@altllm.ai

Not a bank. Not investment advice. Automated investing involves market, custody, smart-contract, bridge, venue, liquidity, and execution risk. No returns are guaranteed.