Customer Transaction Disclosures

PLEASE READ THESE TRANSACTION DISCLOSURES CAREFULLY. INVESTING IN DIGITAL ASSETS INVOLVES SIGNIFICANT FINANCIAL RISK, INCLUDING BUT NOT LIMITED TO TOTAL LOSS. THIS CUSTOMER TRANSACTION DISCLOSURE BETWEEN RETIRED.COM, ITS AFFILIATES, AND YOU, THE ACCOUNT OWNER AS DEFINED BELOW, IS A BINDING AGREEMENT. BY ACCESSING THE PLATFORM, YOU AGREE TO BE BOUND BY THE CUSTOMER TRANSACTION DISCLOSURES, TERMS OF USE, AND ANY AND ALL DISCLOSURES AND AGREEMENTS LISTED ON THE RETIRED.COM LEGAL INFORMATION PAGE.

RETIRED.COM IS A TECHNOLOGY PLATFORM THAT ACTS AS AN INTERFACE, ALLOWING ACCOUNT OWNERS TO SELF-DIRECT THEIR INVESTMENTS WITH AUTOMATED TOOLS AND TECHNOLOGY TO ACCESS A THIRD-PARTY IRA CUSTODIAN AND FINANCIAL SERVICES RELATED TO DIGITAL ASSETS. IT ENABLES USERS TO DIRECTLY INTERACT WITH THESE THIRD PARTIES FOR SELF-DIRECTED TRANSACTIONS INVOLVING DIGITAL ASSETS.

1. DEFINITIONS

• Account Owner: The individual or entity who has successfully opened a Retired.com account and is responsible for all transactions and activities associated with that account.
• Bundles: A portfolio of cryptocurrency assets with set allocations that are automatically rebalanced on a recurring schedule.
• IRA Custodian: The licensed third-party entity responsible for the custody of digital assets within the IRA account on behalf of customers.
• Liquidity Provider: A licensed third-party digital assets provider that facilitates efficient buying and selling of digital assets.
• Self-Trader™: A proprietary, user-friendly online tool provided by Retired.com that allows Account Owners to execute buying and selling of digital assets through its liquidity provider, without the need for intermediary support.
• Total Purchase Price: Is the total price a client pays when they place a trade on the Retired.com platform, inclusive of any and all trading fees.
• Wallet Provider: A licensed third-party provider of digital asset storage, including cryptocurrencies and tokenized assets.

2. PURCHASE AND SALE OF DIGITAL ASSETS

Account Owners can independently purchase and sell digital assets using the Self-Trader™ platform at their own direction. This tool provides the ability to buy and sell digital assets through its Liquidity Provider; Account Owners can make their own investment decisions.

• Purchases: When buying digital assets, Account Owners can view live pricing and initiate transactions instantly. Live prices may vary depending on the exchange or data provider and may reflect a low, mid, and high market price. Once a purchase order is placed, the system will lock in the available price and execute the trade via the Liquidity Provider when funds are confirmed. The acquired assets are then secured and stored by the Wallet Provider and custodied by the IRA Custodian.
• Sales: When selling digital assets, the Self-Trader™ platform allows Account Owners to select the asset they wish to sell, review the price offered, and finalize the sale. Proceeds from the sale are converted to U.S. dollars and deposited into the Account Owner's account, minus applicable fees.
• Market Rates: Retired.com and related third-party providers do not guarantee specific rates compared to other exchanges and cannot guarantee the most favorable pricing compared to other exchanges or platforms. Additionally, Retired.com and the Custodian cannot be responsible for market price fluctuations during processing times.
• Market Volatility and Execution Risk: Digital asset values can change significantly between order initiation and confirmation. Execution is subject to market conditions, and price differences may occur, particularly during volatile periods. Neither Retired.com nor the related third-party providers guarantee specific pricing. Account Owners are advised that there is a risk of substantial price difference at the time of sale or purchase. Account Owner acknowledges and accepts that:
  • Digital assets are speculative and may result in total loss of value.
  • Retired.com is not a fiduciary and does not provide tax, investment, or legal advice.
  • Market conditions may lead to price volatility or illiquidity, and Retired.com is not liable for any resulting losses.
• Platform Liability: While Retired.com and the related third-party providers strive to facilitate prompt and accurate transactions, they are not liable for any delays or transaction failures caused by downtime due to system maintenance, internet disruptions, network congestion, cyberattacks, and/or other factors beyond our control. Retired.com, its affiliates, and third-party service providers shall not be held liable for:
  • Financial losses resulting from system downtime, maintenance, network congestion, cyberattacks, or third-party service interruptions.
  • Errors or inaccuracies in data or pricing provided by third-party vendors.
  • Failures or delays caused by external factors, including but not limited to internet outages, regulatory changes, or cyberattacks.
  • Broken trades or trades that are not executed.
• Transaction Confirmation: Transactions are considered final upon confirmation, and Account Owners are responsible for ensuring all transaction details are correct. The timing of confirmations may vary depending on network conditions, and Account Owners should account for this variability when making time-sensitive trades.
• Dust: Cryptocurrency transactions and holdings occasionally result in residual, negligible amounts of cryptocurrency referred to as "dust." Dust is defined as a very small amount of cryptocurrency, typically resulting from trade rounding or transaction fees. For purposes of this disclosure, any cryptocurrency amount with a total value of $20 USD or less may be classified as dust; this dollar amount may be subject to change. To streamline account management and ensure operational efficiency, the custodian reserves the right, in its sole discretion, to manage crypto dust as follows:
• Liquidation of Dust: Dust holdings may be liquidated and converted into your existing cash balance. This liquidation will reflect in your account as an updated cash balance.
• Retention as a Fee: Alternatively, the IRA Custodian may retain dust as part of its operational fees. In such cases, the amount retained will not exceed the equivalent value of $20 USD.

3. DIGITAL GOLD

Account Owners can purchase shares in physical gold through the platform, providing exposure to gold's value without the need to store physical bullion. Digital Gold purchases operate in the same manner as digital assets, using the Self-Trader™ platform to view live pricing, place orders, and manage transactions. Investing in digital gold may involve specific fees, such as separate custodial and transaction fees. It's important to review the Fee Schedule on the Retired.com website to understand all associated costs.

4. CRYPTO BUNDLES

Account Owners can purchase pre-built or build custom Bundles of cryptocurrency assets and set them to automatically rebalance on a recurring basis. Bundles can be purchased or built using the Self-Trader™ platform. Account Owners can set Bundles to automatically rebalance weekly, monthly, quarterly, twice a year, once a year, or manually. Asset allocations for custom Bundles can be set by the Account Owner when the Bundle is created or any time after. Pre-built Bundle asset allocations can also be adjusted by the Account Owner at any time.

Crypto Bundles are provided for convenience only and do not constitute investment advice, recommendations, or endorsements. Bundle names, descriptions, and the inclusion of specific assets do not reflect market analysis, risk assessment, performance expectations, or investment strategy. While designed to optimize returns and manage risk, there is no guarantee of specific investment outcomes. Users should regularly review their financial goals and risk tolerance, as market conditions may impact the effectiveness of automated rebalancing. Investors are encouraged to seek financial advice tailored to their individual circumstances before relying solely on automated rebalancing strategies.

5. TRANSACTION FEES

All fees are detailed in the Fee Schedule, which is readily accessible on our website. It is essential for Account Owners to review and understand these fees prior to initiating any transactions. While we continuously monitor and adjust our fees, Account Owners should remain aware that fees may fluctuate based on market conditions. At Retired.com, we are committed to maintaining a transparent and straightforward fee structure, which includes the fees described in the Fee Disclosure.

• Pricing: The Total Purchase Price includes all trading fees as well as all applicable liquidity provider fees, such as exchange fees, spreads, commissions, rebates, taxes, and any third-party or market-related charges. Prices are not locked until confirmation and may fluctuate due to market conditions.
• Price Variability: Market prices are not guaranteed by Retired.com, and Retired.com and the IRA Custodian are not liable for variations in pricing compared to other exchanges.

6. LIQUIDITY PROVIDER SPREAD

When purchasing or selling digital assets on the Retired.com Platform, the price you receive may include a spread by the Liquidity Provider. The spread is the difference between the bid (sell) price and the ask (buy) price of a digital asset and represents the cost associated with executing trades on the market.

The price received when buying or selling digital assets may include a spread, reflecting the cost of executing trades. The spread can impact transaction costs, especially during market volatility or low liquidity. It should be noted that some Liquidity Providers incorporate spread within the Market Price. The spread may include, but is not limited to, liquidity provider fees, such as exchange fees, commissions, rebates, taxes, and any third-party or market-related charges. A portion of the spread may be given back to Retired.com as an incentive payment, as described in the Fee Disclosures.

7. FORK, AIRDROP, AND TOKEN SUPPORT

All "airdrops" and "forks" will be managed by the Custodian in accordance with its current policies and procedures, which can be reviewed in detail [insert reference or link to policies]. The Custodian is not obligated to support any airdrops or forks or to process them in any specific manner. In cases where support is offered, processing times may vary, and customers may be required to transfer assets to third-party wallets to access new tokens. Retired.com assumes no liability for losses or delays arising from unsupported forks or airdrops. The Custodian does not own or control the software protocols that govern Digital Currencies. These protocols are subject to changes, including updates to protocol rules (known as "forks"), which may impact the value, functionality, or identity of the Digital Asset.

If the Custodian decides not to support a forked protocol, the affected Digital Assets may remain inaccessible through the Custodian's platform, but users may have the option to withdraw them to a third-party wallet, subject to applicable policies. In the event of a fork, the Custodian may temporarily suspend transactions involving the affected Digital Asset to assess the impact and determine the appropriate course of action.

The Custodian does not guarantee advance notice of suspensions or its decisions regarding forks or airdrops, but reasonable efforts will be made to inform users when possible. The Custodian assumes no liability for any loss or impact arising from forks, unsupported protocols, or temporary suspensions of affected Digital Assets.

Any limitations in handling airdrops or forks, including those related to reliance on external service providers or technical constraints, are outlined in the Custodian's policies. Users are encouraged to review these policies to understand the implications of forks and airdrops on their Digital Assets.

8. DIGITAL ASSET AVAILABILITY

The availability of a Digital Asset for purchase on the platform does not guarantee its continued availability for trading. A Digital Asset initially offered for purchase may become unavailable for trading over time due to various factors, including regulatory changes, market conditions, operational requirements, or third-party dependencies.

Regulatory updates at local, national, or international levels may require restrictions on the trading of certain Digital Assets. Market conditions, such as high volatility or liquidity issues, may also impact the ability to trade an asset. Operational challenges, such as system upgrades or infrastructure limitations, may result in temporary or permanent suspensions. Additionally, reliance on third-party providers, such as blockchain operators or liquidity providers, can influence the platform's ability to support transactions for specific Digital Assets.

Retired.com reserves the right to suspend or terminate account activities without prior notice if required by applicable laws or regulatory authorities. Customers assume all risks associated with regulatory changes, including potential restrictions or prohibitions on holding digital assets.

If trading for a Digital Asset is limited, suspended, or discontinued, Account Owners will retain ownership of the asset in their accounts. However, they may be unable to perform certain actions, such as buying, selling, or transferring the asset. In some cases, options to withdraw the asset to an external wallet may be made available. It is important to note that under certain circumstances, the value of a Digital Asset could be significantly reduced or even reduced to zero, making it illiquid or worthless.

Retired.com and related third-party providers are not responsible for any loss or inconvenience resulting from changes to the trading status of a Digital Asset. Account Owners should consider these potential risks when holding Digital Assets as part of their investment strategy.

9. DELIVERY, STORAGE, AND SECURITY

Retired.com and the IRA Custodian work with trusted, secure Wallet Providers to store purchased digital assets, ensuring they are safeguarded in line with industry-leading security standards. Retired.com does not provide insurance coverage for digital assets. Account Owners should independently verify whether custodial funds are insured and understand the risks associated.

Retired.com and the IRA Custodian cannot be held liable for unauthorized access or asset security beyond the measures provided by the Wallet Provider. Retired.com is not liable for losses due to:

• Security breaches or failures of third-party custodians or wallet providers.
• Unauthorized access resulting from customer negligence or insufficient security practices.
• Actions or omissions by third-party providers that impact asset custody or transaction processing.

Account Owners are responsible for protecting the security of their Retired.com login credentials. To enhance protection, Account Owners should follow best practices, including using strong, unique passwords, secure network connections, and enabling multi-factor authentication.

10. Execution and Transaction Refusal

No Guarantee of Execution: Submission of a transaction request, including a bundle trade or limit order, does not guarantee execution. Retired.com reserves the absolute right, in its sole discretion and without prior notice, to decline, suspend, cancel, or refuse to execute any transaction request, including but not limited to buy, sell, or exchange, for any reason, including:

• Regulatory and Legal Requirements: Where execution would violate or reasonably be suspected to violate applicable laws, regulations, or internal compliance policies, including but not limited to, prohibited transactions under Internal Revenue Code Section 4975, anti-money laundering (AML) requirements, sanctions screenings (OFAC), orders of a government instrumentality, or other regulatory obligations.
• Risk and Security Concerns: Where Retired.com reasonably suspects fraud, unauthorized activity, suspicious behavior, cybersecurity threats, or any activity that may expose the platform, custodian, or client accounts to risk.
• Operational Limitations: Including but not limited to (i) insufficient available funds, (ii) pending transactions, holds, or settlement delays, (iii) system outages, maintenance, or technical failures such as custodians, liquidity providers, financial institution partners, wallets, or trading venues.
• Market Conditions and Execution Constraints: Where execution is not reasonably practicable due to price movement, lack of liquidity, order size, or inability to obtain execution at or near the requested price.

Submission of a transaction request, including a bundled trade or limit order, does not guarantee execution. All orders are subject to (i) availability of funds at the time of execution, (ii) market conditions and liquidity, and (iii) system functionality and third-party dependencies. Orders may be partially executed, executed at prices different from those displayed, delayed, cancelled, or rejected.

No Liability for Non-Execution: To the fullest extent permitted by law, Retired.com shall not be liable for any losses, missed opportunity, or market movement resulting from (i) failure to execute a transaction, (ii) delay in execution, (iii) rejection or cancellation of an order, or (iv) partial execution.

Available Funds: Your account dashboard may display a Balance amount and an amount Available to Trade. The Balance amount includes funds that are not immediately available for trading, and the Available to Trade amount only reflects funds that are fully settled and not subject to holds, restrictions, or pending transactions. Transactions will only be executed based on available funds at the time of execution, not at the time the order is submitted.

Crypto Bundle Execution: Crypto bundle transactions involve concurrent execution of multiple digital asset trades. Execution of a bundle order is dependent on (i) sufficient available funds to complete all components of the bundle, (ii) availability and liquidity of each underlying asset, and (iii) successful execution across multiple trading venues or liquidity sources. If any component of a Bundle cannot be executed, Retired.com reserves the right to (i) reject the entire bundled order, (ii) execute only a portion of the bundle, or (iii) adjust allocations as necessary. There is no guarantee that bundle allocations will be executed at the displayed weights, prices, or timing.

Limit Order Execution: Limit orders are instructions to execute a trade at a specified price or better. However, limit orders are not guaranteed to execute, even if the specified price is reached. Execution depends on market liquidity, order priority, and available counterparties. Limit orders may be partially filled, delayed, or not filled at all. Retired.com reserves the right to cancel or reject limit orders due to (i) insufficient available funds at the time of execution, (ii) market conditions or volatility, or (iii) systems or operational constraints.

11. IMPORTANT CONSIDERATIONS

These considerations are designed to highlight critical aspects of digital asset management, including the irreversible nature of transactions, your responsibilities as an Account Owner, and the potential for updates to policies or fees.

• Irreversibility: Once a transaction (purchase or sale) is executed and confirmed, it cannot be reversed. Account Owners must carefully verify all transaction details before confirming to avoid accidental errors.
• Customer Responsibilities: Account Owners are responsible for understanding and reviewing the terms, fees, risks, and conditions associated with digital asset transactions. This ensures they are aware of any updates or changes that could affect their investment strategies. In addition, Account Owners are solely responsible for ensuring the accuracy of all account and transaction details. Retired.com is not liable for losses caused by customer errors, including but not limited to incorrect transaction amounts or wallet addresses. This important information can be found in the Digital Asset Investment Disclosures section of our Legal Information page.
• Policy Updates: Retired.com may update transaction policies, fees, or procedures as market conditions and regulatory requirements change. Any significant updates will be communicated to Account Owners through official channels, such as email or account notifications.
• Third-Party and System Dependency: Execution of trades depends on third-party service providers, including but not limited to, custodians, wallets, exchanges, liquidity providers, and financial institution partners. Retired.com does not control these third parties and is not responsible for delays, failures, or errors caused by them.
• Force Majeure: Retired.com shall not be held liable for delays, interruptions, or failures in performance caused by events beyond its reasonable control, including but not limited to acts of God, cyberattacks, regulatory changes, or network disruptions.
• Dispute Resolution: All disputes arising out of platform transactions shall be resolved exclusively through binding arbitration, conducted in accordance with the rules of the American Arbitration Association in Las Vegas, Nevada. Customers waive the right to participate in jury trials or class-action lawsuits and agree to resolve disputes on an individual basis.

12. SUPPORT AND ASSISTANCE

We are committed to providing timely and effective support to ensure smooth transaction experiences. If Account Owners experience issues with purchasing or selling digital assets, or if they need clarification regarding fees or policies, they can contact the Retired.com support team for assistance. Customer Support is available at 1-800-RETIRED or at support@Retired.com.

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