Terms of Service

Effective Date: July 7, 2025

These Terms of Service are effective July 7, 2025.

1. Learmond Capital Markets

Learmond Captial Markets is a division of The Learmond Corporation, Inc.

2. Binding Agreement

By accessing, using, or interacting with any services, products, or platforms provided by The Learmond Corporation ("We," "Us," or "Our"), through Learmond Capital Markets or any of its divisions and subsidiaries, you acknowledge and agree that you have read, understood, and agree to be bound by these Terms of Service, you have the legal capacity and authority to enter into this agreement, if acting on behalf of an entity, you have the authority to bind that entity, you accept all terms through your affirmative actions and continued use.

2.1 Electronic Agreement

You consent to enter into this agreement electronically, receive communications from Us electronically, be bound by electronic acceptance mechanisms, the use of electronic records to store and maintain this agreement.

2.2 Modification and Updates

We reserve the right to modify these Terms of Service at any time. You agree that we may provide notice of modifications through Our websites, applications, or electronic communications. You agree that your our continued use after modifications constitutes acceptance of updated terms, material changes will be effective 30 days after posting unless otherwise specified, you are responsible for reviewing these Terms of Service periodically.

2.3 Severability and Survival

If any provision of these Terms is found unenforceable, the provision shall be modified to the minimum extent necessary for enforceability, remaining provisions shall continue in full force and effect, the invalidity shall not affect other provisions or applications, and the essential terms shall survive termination of the agreement.

3. Organization and Services Overview

Learmond Capital Markets operates as a division of The Learmond Corporation, Inc. Its main functions are portfolio tracking, fund management, and fund allocation solutions. By using our products and services, you acknowledge that Learmond Capital Markets is part of The Learmond Corporation and that all activities are governed by these Terms of Service and the Master Terms of Service.

4. User Responsibilities

4.1 Account Creation and Management

4.1.1 Account Requirements

You must provide accurate and complete information when creating an account with any of Our divisions. You are responsible for maintaining the security of your account credentials across all Our platforms. You must notify Us immediately of any unauthorized access to your account(s). You may not share your account credentials with third parties. You acknowledge that separate accounts may be required for different divisions while being subject to these master terms.

4.1.2 Account Security and Liability

In the event of account compromise, you are solely responsible for notifying The Learmond Corporation immediately of any unauthorized access or security breach. Any assets, data, or resources lost due to account compromise are not compensatable by The Learmond Corporation. The Learmond Corporation bears no liability for losses occurring between the time of compromise and notification. You acknowledge that failure to promptly notify Us may result in additional unauthorized activities for which you remain responsible.

4.2 Acceptable Use

You agree to use Our services only for lawful purposes. You will not engage in any activity that disrupts Our services. You will not attempt to gain unauthorized access to Our systems. You will not use Our services to transmit malicious software.

5. Learmond Capital Markets Services

Learmond Captial Markets tracks and maintains positions in major indices. Learmond Capital Markets provides access to its portfolio for informational and analytical purposes and permits users to allocate funds to be deployed in alignment with the portfolio, subject to applicable terms and conditions.

5.1 Operational Budget Maintenance

Learmond Capital Markets maintains The Learmond Corporation's operational budget.

5.2 Fund Allocation and Index Tracking

Learmond Capital Markets is not an investment advisor or broker. Funds allocated to Learmond Capital Markets does not become its property.

5.3 Allocated Funds Availability

Allocated Funds are only available for investing, tracking, or re-distribution after 8 days from your transaction date.

5.3.1 Return on Fund Allocation

Learmond Capital Markets aims to reflect proportional performance on allocated funds. User allocations are tracked proportionally relative to the total portfolio. Distributions, if made, are calculated based on the user’s proportional interest at the time of allocation times 0.75.

5.3.2 Return on Allocated Pre-Invested Funds

Pre-invested allocated funds do not achieve return rate redistribution. Pre-invested allocated funds may be redistributed at your request at 100% of allocation.

5.3.3 Use of Funds

Learmond Capital Markets distributes allocated funds to The Learmond Corporation's operational activities.

5.3.4 Redistribution of Invested Allocated Funds

Learmond Capital Markets may redistribute invested allocated funds at your request. Learmond Capital Markets may redistribute allocated funds by electronic deposit or written check.