Terms and Conditions

Last Updated: April 1, 2026

Welcome to Mktbox ("Mktbox," "we," "our," or "us"). By accessing or using the Mktbox application and services (the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree, you may not use the Service.

---

1. Eligibility

Mktbox is currently available only to users located in the United States. By using the Service, you represent that you are a U.S. resident and are legally permitted to enter into these Terms.

---

2. Third-Party Account Linking (Plaid & Array)

Mktbox allows you to link brokerage and financial accounts through third-party providers, including Plaid and Array.

• Mktbox does not have access to, collect, or store your brokerage login credentials (such as usernames or passwords).
• Authentication and credential handling are managed exclusively by Plaid and/or Array.
• Depending on your financial institution, Plaid and/or Array may store your credentials in accordance with their own policies.

For more information, please review:

• Plaid Terms: plaid.com/legal
• Array Terms: array.com/terms

By linking your accounts, you acknowledge and agree to the terms and practices of these third-party providers.

---

3. Data Storage and Use

Mktbox stores certain financial data, including holdings and transaction history, in order to provide the Service.

• All stored data is anonymized and aggregated where possible.
• We use this data strictly for internal purposes, such as:
  • Calculating platform-wide metrics (e.g., total assets tracked)
  • Improving product functionality and user experience

We do not sell, rent, or share your personal financial data with third parties.

---

4. Data Accuracy and Delays

Financial data displayed in Mktbox may be subject to delays or inaccuracies.

• Portfolio syncing from your brokerage account may not occur in real time.
• There may be delays, missing data, or discrepancies in positions, balances, or transactions.
• Mktbox makes no guarantees regarding the accuracy, completeness, or timeliness of any data presented.

You are solely responsible for verifying all information directly with your brokerage.

---

5. Performance Calculations

Mktbox may provide performance metrics derived from your holdings and transaction history.

• These calculations are estimates and may be impacted by:
  • Account transfers
  • Deposits and withdrawals
  • Corporate actions
  • Incomplete or delayed data

While we strive for accuracy, performance data may be incorrect or misleading.

You should always verify performance information with your brokerage before making any financial decisions.

---

6. No Financial Advice

Mktbox is not a financial advisor, broker, or investment advisor.

• All information provided through the Service is for informational purposes only.
• Nothing in the Service constitutes:
  • Financial advice
  • Investment advice
  • Trading recommendations
  • Personalized or customized guidance

You should consult a qualified financial advisor before making any investment decisions.

---

7. AI-Generated Content Disclaimer

Mktbox may provide insights, summaries, or other content generated using artificial intelligence ("AI").

By using these features, you acknowledge and agree:

• AI-generated content is not financial advice.
• AI-generated content is not personalized or tailored to your specific financial situation.
• AI systems may:
  • Produce inaccurate or incomplete information
  • "Hallucinate" or generate incorrect outputs
  • Misinterpret financial data

You must not rely on AI-generated content for making financial decisions.

Always verify all information independently and consult a qualified financial professional.

---

8. Investment Risk Disclaimer

All investments involve risk, including the potential loss of principal.

Mktbox does not guarantee:

• Investment performance
• Future results
• Accuracy of projections or insights

You assume full responsibility for any investment decisions you make.

---

9. Modifications to the Service

We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice.

---

10. Modifications to These Terms

We may update these Terms at any time.

• Changes will be effective upon posting.
• Continued use of the Service after changes constitutes acceptance of the updated Terms.

---

11. Limitation of Liability

To the fullest extent permitted by law, Mktbox shall not be liable for:

• Any inaccuracies in financial data
• Investment losses
• Decisions made based on information provided in the Service
• Service interruptions or data delays

Your use of the Service is at your own risk.

---

12. Governing Law

These Terms are governed by the laws of the United States and applicable state laws, without regard to conflict of law principles.

---

13. Contact Information

If you have any questions about these Terms, please contact us at support@mktbox.com.

---