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Terms of Use

Last Revised: June 18, 2026 (adapted for akru.com — pending counsel approval)

1. Acceptance of these Terms

The website located at https://akru.com (the “Website”) is published, owned, and operated by AKRU Inc., its affiliates and related entities (“AKRU,” “Company,” “we,” “us,” and “our”). These Terms of Use (the “Terms”) govern your access to and use of the Website. By accessing, browsing, submitting information to, and/or using the Website, you agree and acknowledge that you have read, understand, and agree to be bound by these Terms and to comply with all applicable laws, including, without limitation, all federal, state, and local tax and tariff laws, regulations, and/or directives. If you do not agree to these Terms, please do not use the Website.

Your use of certain AKRU products and services is subject to separate written agreements (“Service Agreements”), including master service, platform, white-label, and transfer-agent services agreements entered into between AKRU and its institutional clients. If these Terms are inconsistent with an applicable Service Agreement, the Service Agreement controls with respect to those services. Use of the AKRU investment platform available at akru.co is governed separately by the platform’s own Terms of Use and Privacy Policy, which include vendor-specific disclosures applicable to platform functionality. The corresponding provider provisions for AKRU’s products are set out in Section 5 below.

2. Purpose of the Website

The Website describes AKRU’s software, infrastructure, and transfer-agent services for the issuance, administration, and servicing of tokenized securities (the “Services”), and enables communication between you and AKRU. The Website is provided for informational purposes only. No account can be opened, no securities may be purchased or sold, and no Services are delivered through the Website itself; Services are provided to institutional clients solely under Service Agreements. The information provided is general in nature and does not necessarily address all terms, exclusions, and conditions applicable to our products and services.

We do not warrant the accuracy, completeness, or usefulness of this information at any particular time. Any reliance you place on such information is strictly at your own risk. AKRU disclaims all liability and responsibility arising from any reliance placed on such content by you or any other visitor to the Website, or by anyone who may be informed of any of its contents. Any information you provide or that is collected by AKRU through the Website shall be handled in accordance with the Website’s Privacy Policy, which is hereby incorporated by reference.

3. No Offer; No Investment, Legal, or Tax Advice

Nothing on the Website constitutes an offer to sell, or a solicitation of an offer to buy, any security in any jurisdiction, or an endorsement or recommendation of any issuer, security, or investment strategy. AKRU is not an issuer of the securities administered on its platform. AKRU is not a broker-dealer, national securities exchange, alternative trading system, investment adviser, or other regulated securities market, and no aspect of the Website is designed or intended to provide financial, legal, tax, or investment advice or recommendations. AKRU Transfer Agent, LLC, a subsidiary of AKRU Inc., is a transfer agent registered with the U.S. Securities and Exchange Commission; registration does not constitute an endorsement by the Commission, and transfer-agent services are provided only under written agreement. You should consult your own legal, tax, and investment professionals regarding your circumstances.

4. No Client Relationship

Use of the Website, including submission of the contact form or scheduling of an introductory meeting, does not create a client, advisory, fiduciary, or service relationship between you and AKRU. A relationship arises only upon execution of a Service Agreement. Information you submit through the Website is handled per the Privacy Policy but is not a confidential submission; please do not submit material non-public information through the Website.

5. Platform Services and Third-Party Service Providers

AKRU’s products incorporate services from third-party providers. When you use the AKRU platform as a client or an authorized end user under a Service Agreement (including through a white-label deployment), the following provisions apply in addition to these Terms:

Two-Factor Authentication (SMS) — Twilio

Account security messaging is delivered via Twilio, Inc. AKRU’s SMS program is limited to one-time passcodes and account-security notifications used to authenticate your identity and protect your account; AKRU does not send marketing, promotional, sweepstakes, or third-party SMS content. Standard message and data rates from your wireless carrier may apply. Wireless carriers are not liable for delayed or undelivered messages, including one-time passcodes. You may withdraw SMS consent at any time by replying STOP to any AKRU SMS message or by disabling SMS-based two-factor authentication in your account security settings; alternative authentication methods (authenticator-app and email-based verification) are available at no functional disadvantage. For help, reply HELP to any AKRU SMS message. Opting into SMS is not a condition of using AKRU’s services.

Identity Verification, KYC and AML — GBG

Before receiving platform credentials, users undergo identity verification and compliance checks — including checks AKRU deems reasonably necessary to assess legal compliance, such as the risk of involvement in money laundering, terrorist financing, fraud, or other financial crime — performed through GBG and other vendors engaged by AKRU (“Verification Checks”). The results of Verification Checks may be used by AKRU and, as applicable, issuers and their agents to determine eligibility to use the services. AKRU may require additional information and documents at the request of any governmental authority or for compliance with applicable law, and may suspend access until such information is reviewed and accepted. AKRU is not a “consumer reporting agency” or “reseller” as those terms are defined under the Fair Credit Reporting Act (“FCRA”); AKRU does not process, assemble, or merge Personal Information to create or modify any consumer report, and plays no role in any eligibility determination based on information processed as part of identity verification.

Bank Connectivity — Plaid

Where platform functionality connects to your financial institution, AKRU uses Plaid Inc. to gather your data from financial institutions and to facilitate the transfer of information to and from financial institutions. By using such functionality, you grant AKRU and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution, and you agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy.

Payments — Dwolla

In order to use the payment functionality of AKRU’s application, you must open a “Dwolla Platform” account provided by Dwolla, Inc. and you must accept the Dwolla Terms of Service and Privacy Policy. Any funds held in the Dwolla account are held by Dwolla’s financial institution partners as set out in the Dwolla Terms of Service. You authorize AKRU to collect and share with Dwolla your personal information including full name, date of birth, social security number, physical address, email address, and financial information, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through AKRU’s application, and Dwolla account notifications will be sent by AKRU, not Dwolla. AKRU will provide customer support for your Dwolla account activity, and can be reached at akru.com/contact, info@akru.com, and/or +1 888 966 AKRU (2578).

6. Use of the Website; License

AKRU grants you a non-exclusive right to access and use the Website and the data, material, content, or information herein (collectively, the “Content”) solely for your informational use. You agree to use the Website only for lawful purposes and to comply with applicable laws.

7. Prohibited Uses

You agree that you will not:

  • Use the Website in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party’s use and enjoyment of it;
  • Attempt to gain unauthorized access to any computer systems or networks associated with AKRU or the Website;
  • Obtain or attempt to obtain any materials or information through the Website by any means not intentionally made available or provided by AKRU;
  • Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website, except as permitted by the Website’s published robots directives;
  • Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful;
  • Attack the Website via a denial-of-service attack or a distributed denial-of-service attack; or
  • Impersonate or attempt to impersonate AKRU, an AKRU employee, or any other person or entity (including, without limitation, by using email addresses associated with any of the foregoing).

8. Intellectual Property

The Website and Content are protected by copyrights, trademarks, or other proprietary rights. You are not permitted to use the Website or Content in any manner except as expressly permitted by AKRU in these Terms. The Website and Content may not be copied, reproduced, modified, published, uploaded, posted, transmitted, performed, or distributed in any way, and you agree not to modify, rent, lease, loan, sell, distribute, transmit, broadcast, or create derivative works without the express written consent of AKRU or the applicable owner. Any unauthorized use of such intellectual property would result in irreparable injury for which money damages would be inadequate, and AKRU or the applicable owner will have the right, in addition to other remedies available at law and in equity, to immediate injunctive relief. Questions regarding intellectual property may be directed to info@akru.com.

9. Third-Party Sites

The Website may contain links to websites controlled or operated by persons and companies other than AKRU (“Linked Sites”). Linked Sites are not under the control of AKRU, and AKRU is not responsible for the contents of any Linked Site, including without limitation any link contained on a Linked Site, or any changes or updates to a Linked Site. AKRU is not responsible if a Linked Site is not working correctly or for any viruses, malware, or other harms resulting from your use of a Linked Site. The inclusion of any link does not imply endorsement by AKRU of the site or any association with its operators. You are responsible for viewing and abiding by the privacy policies and terms of use posted on Linked Sites.

10. Forward-Looking and Roadmap Statements

The Website may describe capabilities, products, or services that are in development or planned (including items expressly labeled “Roadmap”). Such statements reflect current plans and are subject to change or withdrawal without notice. They are not commitments to deliver any functionality and should not be relied upon in making any decision.

11. Disclaimer of Warranties

ALL INFORMATION PROVIDED BY AKRU TO YOU VIA THE WEBSITE, INCLUDING, WITHOUT LIMITATION, ALL CONTENT, IS PROVIDED “AS IS” AND “WHERE IS” AND WITHOUT ANY WARRANTIES OF ANY KIND. AKRU AND ITS THIRD-PARTY LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. AKRU AND ITS THIRD-PARTY LICENSORS MAKE NO REPRESENTATION, WARRANTY, OR COVENANT CONCERNING THE ACCURACY, QUALITY, SUITABILITY, COMPLETENESS, SEQUENCE, TIMELINESS, SECURITY, OR AVAILABILITY OF THE WEBSITE OR ANY CONTENT POSTED ON OR OTHERWISE ACCESSIBLE VIA THE WEBSITE. NEITHER AKRU NOR ANY OF ITS THIRD-PARTY LICENSORS REPRESENTS, WARRANTS, OR COVENANTS THAT THE WEBSITE WILL BE SECURE, UNINTERRUPTED, OR ERROR-FREE, OR FREE OF VIRUSES, WORMS, OR TROJAN HORSES. YOU EXPRESSLY AGREE THAT USE OF THE WEBSITE IS AT YOUR SOLE RISK. YOUR SOLE REMEDY AGAINST AKRU FOR DISSATISFACTION WITH THE WEBSITE OR THE CONTENT IS TO CEASE YOUR USE OF THE WEBSITE AND/OR THE CONTENT. SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OR LIMITATION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU; WHEN IMPLIED WARRANTIES MAY NOT BE EXCLUDED IN THEIR ENTIRETY, YOU AGREE THAT THEY WILL BE LIMITED TO THE GREATEST EXTENT AND SHORTEST DURATION PERMITTED BY LAW.

12. Limitation of Liability

UNDER NO CIRCUMSTANCES SHALL AKRU OR ANY OF ITS THIRD-PARTY LICENSORS BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, SPECIAL, OR EXEMPLARY DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, LOSS OF USE, LOSS OF DATA, TRANSACTION LOSSES, OPPORTUNITY COSTS, INTERRUPTION OF BUSINESS, OR COSTS OF PROCURING SUBSTITUTE GOODS) RESULTING FROM, ARISING OUT OF, OR IN ANY WAY RELATING TO THE WEBSITE, OR THE DATA, CONTENT, OR INFORMATION ACCESSED VIA THE WEBSITE OR ANY HYPERLINKED WEBSITE, OR ANY DISRUPTION OR DELAY IN THE PERFORMANCE OF THE WEBSITE, REGARDLESS OF THE FORM OF THE CLAIM OR ACTION, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, STATUTE, OR OTHERWISE, AND REGARDLESS OF WHETHER OR NOT SUCH DAMAGES WERE FORESEEN, UNFORESEEN, OR FORESEEABLE, EVEN IF AKRU OR ITS THIRD-PARTY LICENSORS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BY ACCESSING THE WEBSITE SUBJECT TO THESE TERMS, YOU UNDERSTAND THAT YOU ARE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA AND ANY SIMILAR LAW OF ANY STATE, COUNTRY, OR TERRITORY, WHICH PROVIDES AS FOLLOWS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST MATERIALLY AFFECT HIS OR HER SETTLEMENT WITH THE DEBTOR.”

Nothing in these Terms shall exclude or limit liability of either party for fraud, death or bodily injury caused by negligence, violation of laws, or any other liability that cannot be limited or excluded by legitimate means.

13. Indemnity

You agree to defend, indemnify, and hold harmless AKRU and its affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Website, including, but not limited to, any use of the Content other than as expressly authorized in these Terms or your use of any information obtained from the Website.

14. Termination and Restriction of Access

In its sole discretion, AKRU may terminate or suspend your access to the Website for breach of these Terms. AKRU shall not be liable for any losses or damages arising from any such termination.

15. Arbitration

At its sole discretion, AKRU may require you to submit any disputes arising from use of the Website or breach of these Terms, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Ohio law. By using the Website, you hereby consent to submission of any dispute to final and binding arbitration.

16. Limitation on Time to File Claims

Any cause of action or claim you may have arising out of or relating to these Terms or the Website must be commenced within one (1) year after the cause of action accrues; otherwise, such cause of action or claim is permanently barred.

17. Governing Law & Jurisdiction

These Terms are governed by the laws of the State of Ohio, U.S.A. You hereby irrevocably consent to the exclusive jurisdiction and venue of the courts in Cincinnati, Ohio, U.S.A. in all disputes arising out of or relating to the use of the Website.

18. International Users

AKRU is based in the State of Ohio in the United States. We make no claims that the Website or any of its contents are accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries.

19. Changes to these Terms

AKRU may update or change these Terms from time to time in order to reflect changes in offered services, changes in the law, or for other reasons as deemed necessary by AKRU. The effective date of any Terms will be reflected in the “Last Revised” entry at the top of these Terms. Your continued use of the Website after any such change is communicated shall constitute your consent to such change(s).

20. General

You agree that no joint venture, partnership, employment, or agency relationship exists between you and AKRU as a result of these Terms or use of the Website. You may not assign these Terms without the prior written consent of AKRU. AKRU may assign these Terms, in whole or in part, at any time. If any part of these Terms is determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, and the remainder of these Terms shall continue in effect. These Terms, including the Privacy Policy and all other documents expressly incorporated herein by reference, constitute the entire agreement between you and AKRU with respect to the Website. A printed version of these Terms and of any notice given in electronic form shall be admissible in judicial or administrative proceedings to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

21. Contact

AKRU Inc.
3825 Edwards Rd., Suite #103
Cincinnati, OH 45209
+1 888 966 AKRU (2578)
info@akru.com