WINNOWING PROPOSALS LLC

TERMS OF SERVICE

Effective Date: These Terms become effective upon the Client's payment for access to the platform provided by Winnowing Proposals LLC ("Company") on the website https://wealthproposaldemo.com/ as a soft launch and later on other websites owned or operated by the Company. BY PAYING FOR, ACCESSING, RECEIVING, OR USING ANY PRODUCT OR SERVICE PROVIDED BY COMPANY, CLIENT ACKNOWLEDGES THAT CLIENT HAS READ, UNDERSTANDS, ACCEPTS, AND AGREES THAT THESE TERMS GOVERN CLIENT'S USE OF THE PLATFORM. Nothing in these Terms, the Platform, or any communication between the parties creates any fiduciary, advisory, agency, partnership, employment, joint venture, or similar relationship between Company and Client. 1. Services Company provides software, reports, proposal materials, analyses, calculations, observations, artificial intelligence outputs, and related services through beta, pilot, testing, production, future, modified, or enhanced versions of its platform (collectively, the "Platform"). Company may modify, suspend, restrict, replace, discontinue, or remove any portion of the Platform at any time, with or without notice and without liability. 2. License to Use Outputs. Subject to these Terms, Company grants Client a limited, nonexclusive, non-transferable license to use, reproduce, and present the proposals, presentations, reports, and other materials generated by the Platform ("Outputs") solely in connection with Client's own business with its clients and prospects. This license is conditioned on Client: (a) retaining intact all attributions, source notices, disclaimers, and disclosures included in the Outputs, and not removing, obscuring, or altering them; (b) not extracting, exporting, or redistributing any underlying data contained in the Outputs, and not using Outputs to create any database or data product; and (c) not selling, licensing, or distributing Outputs as a standalone product or as part of any competing service. Client must review and approve each Output before any use or distribution. Any use of Outputs in violation of this Section terminates this license automatically. 3. Beta and Pilot Access The Platform may include beta, pilot, experimental, developmental, pre-release, or testing features. Such features, as well as production features, may contain errors, omissions, inaccuracies, interruptions, delays, defects, incomplete functionality, or unexpected results. Client assumes all risks associated with use of the Platform. 4. No Professional Advice The Platform is provided solely as a software and informational tool. Nothing provided by the Platform constitutes investment, legal, tax, accounting, compliance, fiduciary, or other professional advice. Client is solely responsible for reviewing, verifying, approving, and determining the suitability, accuracy, legality, and compliance of all Platform outputs before use, reliance, publication, distribution, or communication to any person. 5. Client Responsibility Client assumes sole responsibility for all actions taken or not taken based upon information obtained through the Platform. Client is solely responsible for all reports, recommendations, communications, disclosures, presentations, proposal materials, and other content delivered to prospects, clients, regulators, custodians, broker-dealers, registered investment advisers, or any third party. Client represents that it has obtained any rights or consents needed to submit data, including end-investor information, to the Platform. Client shall independently review, verify, and approve all data, calculations, analyses, observations, assumptions, recommendations, and Outputs before any use, reliance, publication, or communication to any third party. 6. Data and Accuracy Disclaimer The Platform may utilize information obtained from third-party providers, public sources, user-submitted information, automated processes, artificial intelligence systems, models, assumptions, calculations, estimates, and other sources. Company makes no representation or warranty regarding the accuracy, completeness, reliability, timeliness, availability, suitability, or correctness of any information or output generated by the Platform. Client assumes all risks arising from the use of or reliance upon the Platform. Client acknowledges that it is not relying upon any statement, representation, promise, expectation, estimate, projection, marketing material, demonstration, sample output, or other information provided by Company except as expressly stated in these Terms. 7. Disclaimer of Warranties THE PLATFORM IS PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS." TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, PERFORMANCE, AVAILABILITY, SECURITY, OR ERROR-FREE OPERATION. 8. Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY, ITS OWNERS, MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, CONSULTANTS, AFFILIATES, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY CLAIM, LOSS, DAMAGE, LIABILITY, COST, EXPENSE, REGULATORY ACTION, COMPLIANCE MATTER, INVESTMENT LOSS, LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DATA, BUSINESS INTERRUPTION, OR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO THE PLATFORM OR ITS USE. IN ALL CIRCUMSTANCES, COMPANY'S MAXIMUM AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF FEES PAID IN THE LAST 3 MONTHS OR THREE HUNDRED DOLLARS ($300). CLIENT'S SOLE AND EXCLUSIVE REMEDY SHALL BE TO DISCONTINUE USE OF THE PLATFORM AND TERMINATE THE SUBSCRIPTION. Company does not represent or warrant that use of the Platform satisfies any regulatory, supervisory, compliance, recordkeeping, disclosure, cybersecurity, suitability, fiduciary, or legal requirement applicable to Client. 9. Indemnification Client agrees to defend, indemnify, and hold harmless Company and its owners, members, managers, officers, employees, contractors, affiliates, successors, and assigns from and against any claims, actions, demands, investigations, damages, liabilities, losses, costs, expenses, settlements, judgments, fines, penalties, and attorneys' fees arising from or relating to Client's use of the Platform, reliance upon Platform outputs, communications with third parties, or violation of any law, regulation, policy, duty, or obligation. 10. Subscription and Termination Subscriptions are month-to-month unless otherwise agreed in writing. Either party may terminate the subscription upon thirty (30) days' notice. Company may suspend, restrict, or terminate access immediately, at any time, for any reason or no reason, with or without notice. Fees are payable in advance and are non-refundable except as required by law. Fees are exclusive of taxes, and Company may suspend access for any account past due. 11. Disputes Any dispute arising out of or relating to the Platform or these Terms shall be resolved exclusively through binding arbitration in New York, New York. Client waives any right to a jury trial and any right to participate in a class action, collective action, representative action, or similar proceeding. Any claim must be brought within one (1) year after the event giving rise to the claim or such claim shall be permanently barred. 12. General These Terms constitute the entire agreement between Client and Company regarding the Platform and supersede all prior discussions, communications, understandings, and representations. These Terms shall be governed by the laws of the State of New York. If any provision is found unenforceable, the remaining provisions shall remain in full force and effect. No third party shall have any rights, claims, causes of action, or remedies under these Terms. Company may modify these Terms at any time. Continued use of the Platform following any modification constitutes acceptance of the revised Terms. Assignment. Client may not assign or transfer these Terms, in whole or in part, without Company's prior written consent, and any attempted assignment in violation of this provision is void. Company may freely assign these Terms, including in connection with a merger, acquisition, reorganization, or sale of assets. Force Majeure. Company shall not be liable for any delay or failure to perform resulting from causes beyond its reasonable control, including acts of God, Internet or hosting failures, cyberattacks, labor disputes, governmental action, and the suspension, termination, or modification of any third-party data feed, provider agreement, or service on which the Platform depends. Survival. Sections addressing intellectual property, output license conditions, disclaimers of warranties, limitation of liability, indemnification, and dispute resolution survive any termination or expiration of these Terms.

WINNOWING PROPOSALS LLC — PRIVACY POLICY Effective Date: June 9, 2026| Status: Pilot This Privacy Policy describes how Winnowing Proposals LLC ("Company," "we," "us") collects, uses, and protects information in connection with our software platform and related services (the "Platform"). It is incorporated into our Terms of Service, and all disclaimers and limitations of liability in the Terms of Service apply equally here. By accessing or using the Platform, you agree to this Privacy Policy. The Platform is a businessto-business service for investment advisers and financial professionals ("Clients") and is not directed to consumers or individuals under 18. 1. Information We Collect and How We Use It. We may collect account and billing information, data Clients upload or transmit to the Platform ("Client-Submitted Data"), usage and device data collected automatically, and communications with us. We use this information to provide, operate, secure, support, bill for, improve, and develop the Platform and our services; to communicate with Clients; and to comply with law. We may use data in aggregated or de-identified form for any lawful purpose. We do not sell personal information. 2. Client Data; Client Responsibility. Company processes Client-Submitted Data solely as a service provider, on behalf of and at the direction of the Client. The Client — not Company — is responsible for its own customer relationships, including all privacy notices, consents, and legal or regulatory obligations relating to any data it submits. Client represents that it has all rights and consents necessary to submit data to the Platform, and any privacy requests from Client's customers should be directed to the Client. 3. Pilot Status; No Private or Personal Data. The Platform is a Pilot release. Company advises Clients not to upload any private, personal, confidential, or sensitive information of any kind — including personally identifiable information or nonpublic personal information. COMPANY MAKES NO REPRESENTATION OR WARRANTY THAT ANY INFORMATION WILL REMAIN PRIVATE, SECURE, AVAILABLE, ACCURATE, OR UNCORRUPTED. Clients should use anonymized, masked, or sample data wherever possible. Any Client that nonetheless submits such information does so voluntarily and at its own risk, and remains solely responsible under Section 2. Features, data practices, and service providers may change at any time; data stored during pilot may be modified or deleted in connection with development; and Clients should retain independent copies of all submitted data. Using the software is at Client's own risk. 4. Disclosure. We may share information with service providers, sub-processors, hosting providers, software providers, AI providers, payment processors, and other third parties supporting the Platform; in connection with a merger, financing, acquisition, restructuring, or sale of assets; to comply with law, regulation, legal process, or governmental request; and to protect the rights, safety, or property of Company, Clients, or others. Company is not responsible for the privacy, security, availability, acts, omissions, practices, products, services, systems, or content of any third-party service provider, platform, website, API, model, software provider, hosting provider, payment processor, or other third party used in connection with the Platform. 5. Security and Retention. We use what we believe to be reasonable safeguards, but no method of transmission or storage is completely secure, and Company does not guarantee the security of any information. Clients are responsible for safeguarding their credentials and systems. We will provide any legally required notice of a security incident, including under the New York SHIELD Act. We retain information as long as reasonably necessary or as required by law. Aggregated or de-identified data may be retained without limitation. Company shall have no liability for any loss, corruption, destruction, alteration, disclosure, or unavailability of any data, regardless of cause. Client acknowledges that outputs generated by artificial intelligence, machine learning models, automated systems, or third party data sources may be inaccurate, incomplete, outdated, or erroneous, and Company makes no warranty regarding such outputs. 6. Rights, U.S. Operations, and Changes. Subject to applicable law, Clients may request access to, correction of, or deletion of their personal information; as a business-to business service, certain consumer privacy laws may not apply. The Platform is operated from, and information is processed in, the United States. We may modify this Privacy Policy at any time by posting a revised version, and continued use constitutes acceptance.