Terms of Use.

Terms of Use
These Terms of Use ("Terms") govern your access to and use of the Arc platform, products, and services operated by Arc Financial Technologies ("Arc," "we," "our," or "us").

Read these Terms carefully before using Arc. By creating an account or using any Arc service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use Arc.

1. Eligibility

To use Arc, you must:

• Be at least 18 years of age

• Be a resident of a jurisdiction in which Arc's services are legally available

• Not be subject to sanctions, financial crime restrictions, or regulatory prohibitions that would prevent you from using financial services

• Have the legal capacity to enter into a binding agreement

Arc reserves the right to refuse or terminate access to any user who does not meet these requirements.

2. Account registration and KYC

To access Arc's products, you must create an account and complete our identity verification process (KYC). You agree to:

• Provide accurate, complete, and current information during registration

• Maintain and promptly update your information if it changes

• Keep your login credentials secure and not share access with third parties

• Notify Arc immediately at support@arc.fi if you suspect unauthorised access to your account

Arc is required by law to verify the identity of all users. Failure to complete KYC or providing false information will result in account suspension or termination.

3. Arc products

Arc currently offers three products:

Arc Earn — a yield-bearing account generating returns from blockchain network activity and protocol fees. Not a bank deposit. Not interest-bearing. Returns are variable and not guaranteed.

Arc Core — a diversified basket of tokenized equities and curated crypto assets. Not a fixed-income instrument. Not principal-protected. "Bond" refers to the bundled product structure, not a debt security.

Arc ETF — pre-built tokenized ETF products curated by Arc. Not personalised investment advice. Selection is Arc's editorial curation, not a recommendation tailored to your financial situation.

All products involve risk, including the possible loss of principal. Arc is not a bank, broker-dealer, or licensed investment adviser.

4. Yield and returns

All yield figures communicated by Arc represent potential returns based on historical performance and current market conditions. They are not guaranteed, not fixed, and not promises of future performance. Returns are variable and depend on:

• Blockchain network activity and protocol fee generation

• Performance of underlying tokenized assets

• Market conditions affecting the Arc ETF basket

Arc does not guarantee any minimum return. You may receive back less than you deposit.

5. Deposits and withdrawals

Deposits: Funds are accepted via approved payment methods. Minimum deposit amounts apply per product and are displayed in-platform at time of deposit.

Withdrawals: Arc Earn and Arc Core withdrawals are processed within the agreed business days with no early withdrawal penalty. Arc ETF withdrawals follow standard settlement timelines depending on underlying asset liquidity.

Arc reserves the right to delay or suspend withdrawals in the event of a security incident, regulatory requirement, or technical disruption. We will communicate any such delays promptly.

6. Fees

Arc charges a platform fee on yield generated — not on principal. No yield generated means no platform fee charged in that period. Additional fees may apply for:

• Currency conversion

• Expedited withdrawals

• Third-party payment processing

A full fee schedule is available at arc.com/fees. Arc will provide 30 days' notice before introducing new fees or materially changing existing ones.

7. Sharia compliance

Arc's products are structured as profit-sharing arrangements from real economic activity, not interest (riba). The product structures have been reviewed for compliance with Islamic finance principles. Sharia certification applies to product structure only. It does not constitute:

• A guarantee of financial return

• Investment advice

• Regulatory approval from any financial authority

Users are responsible for determining whether Arc's products are appropriate for their own religious and financial circumstances.

8. Prohibited conduct

You must not use Arc to:

• Violate any applicable law or regulation

• Conduct, facilitate, or conceal money laundering, terrorist financing, or fraud

• Circumvent Arc's KYC or AML procedures

• Access Arc from a restricted jurisdiction

• Reverse engineer, scrape, or systematically extract data from the Arc platform

• Transmit malware, viruses, or any code designed to disrupt the platform

• Impersonate any person or entity, or misrepresent your affiliation

Violations may result in immediate account termination, fund freezing, and referral to relevant authorities.

9. Intellectual property

All content, branding, software, and design elements comprising the Arc platform are the property of Arc Financial Technologies and are protected by applicable intellectual property law. You are granted a limited, non-exclusive, non-transferable licence to use Arc solely for its intended purpose.

You may not reproduce, modify, distribute, or create derivative works from Arc's platform or content without express written permission.

10. Limitation of liability

To the maximum extent permitted by applicable law:

Arc's total liability to you for any claim arising from your use of the platform shall not exceed the greater of (a) the total fees paid by you to Arc in the 12 months preceding the claim, or (b) USD 100.

Arc is not liable for: indirect, incidental, consequential, or punitive damages; loss of profits or data; investment losses arising from market conditions; or service interruptions beyond Arc's reasonable control.

Nothing in these Terms limits Arc's liability for fraud, wilful misconduct, death, or personal injury caused by Arc's negligence.

11. Indemnification

You agree to indemnify, defend, and hold harmless Arc, its officers, directors, employees, and partners from any claims, damages, losses, or expenses (including legal fees) arising from your violation of these Terms, your use of the platform, or your infringement of any third-party rights.

12. Termination

Arc may suspend or terminate your account at any time, with or without notice, for:

• Breach of these Terms

• Failure to complete or maintain KYC requirements

• Suspected fraudulent, illegal, or abusive activity

• Regulatory or legal obligation

• Upon termination, you retain the right to withdraw funds held in your account, subject to any legal holds or regulatory requirements. Arc will process final withdrawals within the agreed business days of account closure.

You may close your account at any time by contacting support@arc.fi

13. Governing law and disputes

These Terms are governed by the laws of the applicable jurisdiction, without regard to conflict of law principles.

Any dispute arising from these Terms or your use of Arc shall first be submitted to good-faith negotiation. If unresolved within 30 days, disputes shall be referred to the relevant arbitration body or courts of jurisdiction.

Nothing prevents either party from seeking urgent injunctive relief from a court of competent jurisdiction.

14. Changes to these Terms

Arc may update these Terms from time to time. Material changes will be communicated via email or in-platform notification at least 30 days before they take effect. Continued use of Arc after the effective date constitutes acceptance of the updated Terms.

15. Contact

Arc Financial Technologies
legal@arc.fi
support@arc.fi