Terms of Use

Uevar Inc. Effective Date: May 13, 2026 Last Updated: May 13, 2026

Uevar is a financial technology platform, not a bank. Banking, payment, and debit card services are provided by partner financial institutions and program partners where available, subject to their terms and eligibility. Earned wage access availability depends on employer and program eligibility; EWA is not a loan, line of credit, or extension of credit. Investing features are informational and educational only, and are not financial, tax, or investment advice. Investments involve risk, including the possible loss of principal; past performance does not guarantee future results. Brand names referenced on this site are property of their respective owners and are shown for illustrative purposes only.

1. Acceptance of Terms

By creating an account, accessing, or using the Uevar application or website (collectively, the "Services"), you agree to be bound by these Terms of Use ("Terms") and our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Services.

These Terms constitute a binding legal agreement between you and Uevar Inc., a Delaware corporation ("Uevar," "we," "us," or "our"). By clicking "I Agree," "Sign Up," or by otherwise accessing the Services, you represent that you have read, understood, and agree to these Terms.

2. Eligibility

You must meet all of the following requirements to use the Services:

• You are at least 18 years old.
• You are a resident of the United States.
• You have the legal capacity to enter into a binding contract.
• You are not barred from using the Services under applicable law.
• You have not been previously suspended or removed from the Services for cause.

By using the Services, you represent and warrant that you meet these requirements. Uevar reserves the right to verify eligibility at any time. If you do not meet these requirements, you must not use the Services.

3. Account Registration

3.1 Account Creation. To access most features, you must create an account. You agree to provide accurate, current, and complete information during registration and to update it as necessary.

3.2 Account Security. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at support@uevar.com if you suspect unauthorized access.

3.3 One Account Per Person. You may maintain only one account. Creating multiple accounts to circumvent eligibility restrictions, earn additional Points, or for any other purpose is prohibited.

3.4 Account Closure. You may close your account at any time by contacting support@uevar.com. Account closure does not affect obligations that arose before closure, and certain provisions of these Terms survive closure.

4. Important Disclosures About the Services

READ THIS SECTION CAREFULLY.

• Trading features are educational and simulated. Any trading, portfolio, or market activity displayed in the Services is for educational purposes and reflects simulated activity in a sandbox environment. No real securities are bought or sold through the Services. Past simulated performance is not indicative of future real-world results.
• No real money is moved or held. Uevar does not hold, transmit, or invest your funds. There are no deposits, withdrawals, or real financial transactions of any kind through the Services.
• No FDIC insurance. Because Uevar is not a bank and holds no deposits, FDIC insurance does not apply.
• No investment advice. Nothing in the Services — including the AI Coach, any portfolio display, or any content — constitutes investment advice, financial advice, securities recommendations, or an offer or solicitation to buy or sell any security.
• Features may change. Features in the Services may be modified, suspended, or removed at any time without notice.

If and when additional financial features become available (e.g., earned wage access, real brokerage accounts, peer-to-peer payments), separate disclosures, agreements, and regulatory registrations will apply, and your continued use of those features will be subject to acceptance of those additional terms.

5. Points Program

5.1 Incorporation. The Uevar Points Program is governed by the Points Policy ("Points Policy"), which is incorporated into these Terms by reference. By participating in the Points Program, you agree to the Points Policy.

5.2 Summary (not a substitute for the full Points Policy). Points are a promotional loyalty credit issued by Uevar. Points have no cash value, are not legal tender, are not a security, are not transferable, and are not redeemable for cash. Points are revocable by Uevar at any time. Points do not constitute property, and you have no vested right in any Points balance.

5.3 Redemption. Any redemption of Points for merchandise or other benefits, when offered, will be governed by separate terms and may be subject to additional eligibility requirements.

6. AI Coach — Educational Disclaimer

The AI Coach feature provides educational content about personal finance concepts. The AI Coach is not a licensed financial adviser, investment adviser, broker-dealer, or tax professional. Content generated by the AI Coach:

• Is for general educational and informational purposes only;
• Does not constitute investment advice, financial advice, tax advice, or legal advice;
• May not be accurate, complete, or current;
• Should not be relied upon as the basis for any financial decision.

Always consult a qualified professional before making financial decisions. Uevar is not liable for any decision made based on AI Coach output.

7. Referral Program

7.1 Eligibility. The referral program is open to registered users in good standing. Users may share a unique referral code. When a referred user creates an account using your code, both parties may receive Points in accordance with the Points Policy.

7.2 No monetary compensation. Referral rewards consist solely of Points. Points have no cash value. See the Points Policy.

7.3 Anti-abuse. Self-referrals, creation of fake accounts, and any other manipulation of the referral system are prohibited and will result in forfeiture of all Points and potential account suspension.

7.4 Opt-in required for referred contacts. Uevar will not send marketing messages to a person you refer without that person's independent opt-in consent. Sharing a referral link with another person does not constitute consent on their behalf to receive communications from Uevar.

7.5 Modification. Uevar may modify or terminate the referral program at any time.

8. Prohibited Conduct

You agree not to:

• Violate any applicable federal, state, or local law or regulation.
• Use the Services to move, transmit, or invest real money other than as expressly enabled by Uevar in a feature governed by separate terms.
• Impersonate any person or entity or misrepresent your affiliation.
• Create multiple accounts or use automated tools to create accounts.
• Circumvent, disable, or interfere with security features of the Services.
• Use the Services to transmit spam, malware, or any unauthorized automated communications.
• Harvest, collect, or store personal information about other users without consent.
• Reverse engineer, decompile, or disassemble any part of the Services.
• Use the Services to conduct or facilitate any unlawful scheme, including securities fraud or money laundering.
• Manipulate points balances, referral credits, or any loyalty feature through fraudulent means.
• Violate the intellectual property rights of Uevar or any third party.
• Use the Services in any manner that could disable, overburden, or impair our infrastructure.

Uevar reserves the right to investigate and take appropriate action, including termination, for any violation of these prohibitions.

9. Intellectual Property

9.1 Uevar Content. All content, software, designs, text, graphics, logos, and other materials made available through the Services are owned by or licensed to Uevar and are protected by US and international intellectual property laws.

9.2 License to You. Subject to these Terms, Uevar grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial purposes.

9.3 Your Content. By submitting content to the Services (e.g., profile information, AI Coach queries), you grant Uevar a non-exclusive, royalty-free, worldwide license to use, store, and process that content to provide the Services. You represent that you own or have the right to grant this license.

9.4 Feedback. If you provide feedback or suggestions about the Services, Uevar may use them without restriction or compensation.

10. Third-Party Services

The Services integrate with or depend on third-party platforms (including, without limitation, market data providers, hosting providers, email delivery providers, and AI assistant providers). Uevar is not responsible for the acts, omissions, terms, or availability of any third-party service. Each third-party provider's own terms and policies govern your relationship with that provider to the extent you interact with its services directly. Uevar is not an affiliate or agent of any such third party unless expressly stated.

Links to third-party websites or services are provided for convenience only. Uevar does not endorse and is not responsible for the content, privacy practices, or terms of any third-party site.

11. Service Changes

Uevar may, at any time and without liability:

• Modify, suspend, or discontinue any feature or the entire Services;
• Change pricing for any future paid features (with advance notice);
• Introduce new requirements, eligibility criteria, or terms as features launch;
• Reset points balances in the event of a technical error or abuse.

We will make reasonable efforts to notify users of material changes, but we are not obligated to provide advance notice for every modification.

12. Indemnification

You agree to indemnify, defend, and hold harmless Uevar Inc., its officers, directors, employees, contractors, agents, and successors from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the Services; (b) your violation of these Terms; (c) your violation of any applicable law; or (d) your infringement of any third-party right.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

13.1 UEVAR AND ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS, LOST DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.2 UEVAR'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED ONE HUNDRED US DOLLARS ($100.00).

13.3 SOME STATES DO NOT ALLOW EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH STATES, THE ABOVE LIMITATIONS APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

14. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED AVAILABILITY. UEVAR DOES NOT WARRANT THAT THE SERVICES WILL BE ERROR-FREE, SECURE, OR AVAILABLE AT ANY PARTICULAR TIME.

15. Dispute Resolution — Mandatory Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

15.1 Informal Resolution. Before initiating arbitration, you must first contact Uevar at support@uevar.com and describe your claim. The parties will attempt to resolve the dispute informally within 30 days.

15.2 Binding Arbitration. If informal resolution fails, all claims, disputes, or controversies arising out of or relating to these Terms or the Services — except those described in Section 15.5 — will be resolved exclusively by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as modified by these Terms. The arbitration will be conducted in Los Angeles, California, or remotely by mutual agreement. The arbitrator's award will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

15.3 Class Action Waiver. TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND UEVAR WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE PROCEEDING. ALL CLAIMS MUST BE BROUGHT INDIVIDUALLY.

15.4 Opt-Out Right. You may opt out of mandatory arbitration by sending written notice to support@uevar.com with the subject "Arbitration Opt-Out" within 30 days of first agreeing to these Terms. Your opt-out must include your name, email address, and a clear statement that you wish to opt out of arbitration. Opting out does not affect any other provision of these Terms.

15.5 Exceptions. Either party may bring an individual action in small claims court. Either party may seek emergency injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm pending arbitration.

15.6 Governing Law. These Terms and any dispute arising out of or relating to them are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration provisions.

15.7 Venue (Non-Arbitration Claims). For any claims not subject to arbitration, you consent to exclusive jurisdiction and venue in the state or federal courts located in Los Angeles, California.

16. Severability

If any provision of these Terms is found to be unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force and effect.

17. Entire Agreement

These Terms, together with the Privacy Policy and Points Policy, constitute the entire agreement between you and Uevar with respect to the Services and supersede all prior agreements, representations, or understandings.

18. Changes to Terms

Uevar may update these Terms at any time. We will notify you of material changes by email or by a prominent in-app notice at least 30 days before the change takes effect. Continued use of the Services after the effective date constitutes acceptance of the updated Terms. If you do not agree to updated Terms, you must stop using the Services and close your account.

19. Contact

Uevar Inc. 447 Broadway, 2nd Floor Suite #3453, New York, NY 10013, United States Email: support@uevar.com