C:HET Card, Inc.
Website Terms of Use

These Terms of Use ("Terms") govern your access to and use of the website operated by C:HET Card, Inc. ("C:HET," "we," "us," or "our").

By accessing or using our website, you agree to these Terms. If you do not agree, please do not use the website.

1. About C:HET

C:HET is developing an investing-first card product designed to help users turn eligible card rewards into investments.

C:HET's products and services are currently under development. Features described on this website may not yet be available and may change before launch.

Nothing on this website constitutes an offer to open a card, deposit, brokerage, investment advisory, or other financial account.

2. Pre-Launch Website and Waitlist

You may have the opportunity to join a waitlist or request early access to C:HET.

Joining the waitlist:

• does not guarantee access to any C:HET product;
• does not constitute approval for any financial product;
• does not establish a banking, credit, brokerage, advisory, or other financial-services relationship;
• does not guarantee any particular launch date, feature, reward rate, merchant offer, or investment option; and
• may be subject to additional eligibility requirements when C:HET launches.

We may modify, suspend, delay, or discontinue anticipated products or features at any time.

3. No Investment Advice

Information provided through this website is for general informational and educational purposes only.

Nothing on the website constitutes investment, financial, legal, accounting, or tax advice, or a recommendation to purchase, sell, or hold any security.

References to exchange-traded funds ("ETFs"), investment strategies, historical market performance, compounding, or other investment concepts are illustrative and educational unless expressly stated otherwise.

You should consider your own financial circumstances, objectives, and risk tolerance before making investment decisions.

4. Investment Risk

Investing involves risk, including the possible loss of principal.

The value of investments can increase or decrease, and investment returns are not guaranteed. Past performance does not guarantee future results.

Any examples, projections, illustrations, or hypothetical outcomes presented on the website should not be understood as guarantees of future performance.

5. Card and Financial Services

Descriptions of anticipated card functionality, credit-building features, rewards, merchant offers, investment functionality, and other product features reflect C:HET's current plans and are subject to change.

Financial products ultimately made available through C:HET may be provided in conjunction with third-party financial institutions and other regulated service providers.

Applicable cardholder agreements, account agreements, disclosures, privacy notices, eligibility requirements, and other terms will be provided before a user opens or uses such products.

6. Rewards and Merchant Offers

Any reward rates displayed on the website, including base rewards and merchant-funded offers, are subject to applicable terms, eligibility requirements, exclusions, and change.

Merchant-funded offers may vary by merchant, transaction, user, location, or time and may be modified or discontinued.

References to participating merchants do not necessarily imply sponsorship or endorsement of C:HET by those merchants.

Final rewards terms will be made available in connection with the applicable C:HET product.

7. Credit-Related Information

Any references to building credit or credit history describe anticipated product functionality and do not guarantee that use of C:HET will increase or improve a user's credit score.

Credit scores and credit histories are determined by third parties using numerous factors outside C:HET's control.

Additional disclosures regarding credit reporting will apply if and when relevant C:HET products become available.

8. Intellectual Property

The website and its contents—including C:HET names, logos, designs, text, graphics, software, photographs, and other materials—are owned by or licensed to C:HET and are protected by applicable intellectual-property laws.

Except as expressly permitted by us, you may not copy, reproduce, distribute, modify, publicly display, commercially exploit, or create derivative works from website content.

Third-party names, trademarks, and logos belong to their respective owners.

9. Acceptable Use

You agree not to:

• use the website for unlawful or fraudulent purposes;
• attempt to gain unauthorized access to our systems;
• interfere with the operation or security of the website;
• introduce malicious code or other harmful technology;
• scrape or systematically extract website content without authorization;
• impersonate another person or misrepresent your affiliation with another person or organization; or
• use the website in a manner that infringes the rights of C:HET or others.

10. Third-Party Services and Links

Our website may contain links to third-party websites, products, or services.

C:HET does not control and is not responsible for third-party websites or services. A link does not necessarily constitute C:HET's endorsement of that third party.

Your interactions with third parties are subject to their applicable terms and privacy policies.

11. Website Disclaimer

To the fullest extent permitted by applicable law, the website and its contents are provided "as is" and "as available."

C:HET does not warrant that the website will be uninterrupted, error-free, secure, or free from harmful components, or that information on the website will always be complete, accurate, or current.

Nothing in this provision limits rights that cannot lawfully be waived.

12. Limitation of Liability

To the fullest extent permitted by applicable law, C:HET and its directors, officers, employees, agents, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to your use of, or inability to use, the website.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

13. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless C:HET and its officers, directors, employees, and agents from claims, liabilities, damages, losses, and expenses arising from your unlawful misuse of the website or material violation of these Terms.

14. Changes to the Website or Terms

We may modify the website, its contents, or these Terms from time to time.

When we update these Terms, we will revise the "Last Updated" date above. Your continued use of the website after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

15. Governing Law

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

Any dispute arising out of or relating to these Terms will be subject to the exclusive jurisdiction of the state and federal courts located in Delaware.

16. Miscellaneous

If any provision of these Terms is determined to be unenforceable, the remaining provisions will remain in effect.

Our failure to enforce a provision of these Terms does not waive our right to enforce it later.

These Terms constitute the agreement between you and C:HET concerning your use of the pre-launch website, except where additional terms expressly apply.

17. Contact Us

Questions about these Terms may be directed to:

C:HET Card, Inc.
Email: [email protected]