Effective Date: July 21, 2025

These Terms of Service ("Terms") govern your access to and use of the websites, applications, and services (collectively, "Services") provided by Warmer Holdings Inc. ("Warmer," "we," "our," or "us"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.

These Terms of Service apply only to consumer users of the Warmer Match advisor-matching platform (available at warmer.co). It does not apply to advisors using Warmer Match or other services offered by Warmer Holdings Inc., including our legacy Client Relationship Intelligence tools (available on getwarmer.com).

1. Eligibility and Use

You must be at least 18 years old and legally able to enter into contracts to use the Services. You agree to use the Services solely for lawful purposes and in accordance with these Terms and all applicable laws.

2. Nature of the Services

The Services provide users with tools to submit financial questions, access informational content, and be introduced to independent financial advisors ("Advisors"). The Services do not provide personalized investment, legal, tax, or financial advice. Any information provided through the Services is for informational purposes only.

Warmer is not a registered investment adviser, broker-dealer, tax adviser, or legal adviser. We do not act as a fiduciary, and nothing in the Services constitutes financial, legal, or tax advice. Before making any financial decisions, you should consult a qualified professional.

We do not endorse, recommend, or make representations regarding the qualifications, suitability, or quality of any Advisor or the advice provided by them.

3. Advisor Introductions

Upon your request, Warmer may facilitate introductions to Advisors based on your submitted information and preferences. These introductions are provided as a convenience and do not constitute a recommendation or endorsement. Advisors are independent from Warmer, and Warmer is not responsible for the conduct, advice, or services provided by any Advisor.

Advisors may compensate Warmer for introductions or referrals in accordance with applicable laws and regulations. Such compensation does not impact your access to the Services.

4. User Content and Data

You may upload information, documents, or other content ("User Content") in connection with your use of the Services. You grant Warmer a non-exclusive, royalty-free, worldwide license to use, host, store, reproduce, and process your User Content solely to provide and improve the Services. This license terminates upon your deletion of the applicable content or closure of your account, except as required for legal or compliance purposes.

You represent and warrant that you have all necessary rights to upload and provide the User Content and that doing so does not violate any laws or third-party rights.

Warmer may use anonymized and aggregated User Content to improve the Services or for internal analysis. Warmer may also reuse submitted financial questions and responses in anonymized form for quality improvement or general educational purposes.

5. Account and Security

You are responsible for maintaining the confidentiality of any login credentials and for all activities that occur under your account. You agree to notify Warmer immediately of any unauthorized access or use.

6. Fees

There is no fee for consumers to use the core Services. If you choose to engage an Advisor, any compensation arrangement will be governed by your separate agreement with that Advisor. Warmer does not control or guarantee the fees, services, or terms offered by any Advisor.

7. Use Restrictions

You agree not to:

• Use the Services for any unlawful, fraudulent, or malicious purpose;

• Interfere with or disrupt the integrity or performance of the Services;

• Access the Services using automated means (e.g., bots, scrapers) without our prior written consent;

• Reverse engineer, decompile, or disassemble any part of the Services, except where permitted by applicable law;

• Impersonate any person or entity or misrepresent your affiliation;

• Transmit any viruses, malware, or other harmful code.

8. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, we may delete your information and content, subject to our legal and compliance obligations. You may also request account closure and data deletion, as described in our Privacy Policy.

9. Indemnification

You agree to indemnify, defend, and hold harmless Warmer and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with (i) your access to or use of the Services, (ii) your violation of these Terms, or (iii) your violation of any third-party rights.

10. Disclaimers

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WARMER DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WARMER MAKES NO WARRANTY THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WARMER MAKES NO GUARANTEES REGARDING THE QUALITY, ACCURACY, OR RELIABILITY OF ANY INFORMATION PROVIDED THROUGH THE SERVICES.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WARMER BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WARMER'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS RELATING TO THE SERVICES SHALL NOT EXCEED ONE HUNDRED DOLLARS (US $100).

12. Modifications to the Terms

We may update these Terms from time to time at our discretion. We will provide notice of material changes as required by law. Continued use of the Services after any such changes constitutes your acceptance of the revised Terms.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles. Any dispute arising under or in connection with these Terms shall be resolved through binding arbitration in New York County, New York, under the rules of the American Arbitration Association.

14. Waiver and Severability

Any failure by Warmer to enforce a provision of these Terms is not a waiver of its right to do so later. If any provision of these Terms is found to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remainder of the Terms will remain in full force and effect.

15. Contact

For questions about these Terms, please contact us at support@getwarmer.com.