Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you and SureWell, Inc. ("SureWell," "we," "us," or "our") governing your access to and use of the SureWell platform, website, and related services (collectively, the "Services").

By creating an account or using the Services, you agree to be bound by these Terms. If you do not agree, do not access or use the Services.

To use the Services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have a valid Social Security Number
• Not be subject to any sanctions administered by OFAC or listed on any government-maintained prohibited persons list

You agree to provide accurate, current, and complete information during registration and to update such information as necessary. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You must notify us immediately at security@surewell.co if you suspect unauthorized access to your account.

SureWell provides an integrated financial account that allocates your monthly contribution across three pillars:

• Life Insurance: Simplified-issue term life insurance policies underwritten and issued by licensed, A-rated third-party carriers. SureWell refers and recommends; you complete your application directly with the carrier, and the carrier issues, services, and bills the policy. SureWell does not underwrite, issue, administer, or collect premiums for any insurance policy.
• Retirement Investing (roadmap, not yet available): When launched, Individual Retirement Accounts (IRAs) will be held at and custodied by Alpaca Securities LLC, Member FINRA/SIPC. SureWell is not itself a broker-dealer. This product is not currently open to customers.
• Brokerage (self-directed investing) (roadmap, not yet available):When launched, a self-directed brokerage account will be held at Alpaca Securities LLC, Member FINRA/SIPC, for taxable investing beyond your IRA. Uninvested balances will be held in an automatic cash sweep. Securities and any uninvested cash will be protected by SIPC up to applicable limits ($500,000 total, including $250,000 in cash). The brokerage account will not be a bank deposit and will not be FDIC-insured, and it will not be the SureWell emergency-cash account. An FDIC-insured high-yield savings account (SureWell Savings), provided through a future bank-as-a-service partner, is on the SureWell roadmap and is not available today. The only product currently available through SureWell is term-life coverage via our licensed carrier partner (Ladder).

By enrolling in a SureWell plan, you authorize recurring monthly ACH debits from your linked bank account by Alpaca Securities LLC to fund your brokerage and retirement accounts in the amount you select. If you add life insurance, you separately authorize the insurance carrier to debit your monthly premium directly under an authorization you sign with the carrier at policy issuance. These are two independent ACH pulls; SureWell does not initiate, intermediate, or hold premium payments.

You may modify your contribution amount or pause contributions at any time through your account settings. Changes to contribution amounts take effect at the next billing cycle. Insurance premium obligations are governed solely by the terms of your insurance policy and the carrier's billing schedule.

SureWell calculates and displays proprietary metrics including Secure Net Value (SNV), Future Secure Value (FSV), Security Multiple, Secure Target, and Security Gap. These metrics are provided for informational and educational purposes only.

Projections are not guarantees of future performance. Actual results may differ materially from projected values due to market conditions, changes in interest rates, insurance claim events, and other factors. Standardized assumptions (e.g., 4% real return for savings, 7% for retirement) are used for illustrative purposes and may not reflect actual returns.

Life insurance coverage is subject to the terms, conditions, and exclusions of the policy issued by the underwriting carrier. SureWell does not guarantee approval of any insurance application. Coverage amounts, premiums, and eligibility are determined by the carrier based on underwriting criteria.

Policy documents provided by the carrier constitute the complete terms of your insurance coverage and supersede any summaries displayed within the Services.

Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. The value of your retirement account will fluctuate based on market conditions. SureWell does not provide individualized investment advice.

Portfolio allocations within retirement accounts are based on your selected risk profile and are managed according to predetermined model portfolios. You are responsible for selecting a risk profile appropriate to your financial situation and goals.

Cash and securities held in your SureWell brokerage and retirement accounts are protected by SIPC up to applicable limits ($500,000 total, including $250,000 in cash) because they are custodied at Alpaca Securities LLC, Member FINRA/SIPC. SIPC does not protect against market loss. SureWell is not a bank, and the brokerage account is not FDIC-insured. A future FDIC-insured high-yield savings product, when launched through a bank-as-a-service partner, will be governed by its own separate disclosures.

You agree not to:

• Provide false, misleading, or fraudulent information
• Use the Services for money laundering, terrorist financing, or other illegal purposes
• Attempt to gain unauthorized access to the Services or other users' accounts
• Reverse engineer, decompile, or disassemble any aspect of the Services
• Use automated systems (bots, scrapers) to access the Services without written permission

All content, features, and functionality of the Services — including the Secure Net Value methodology, Future Secure Value calculations, user interface designs, text, graphics, and software — are the exclusive property of SureWell and are protected by copyright, trademark, and other intellectual property laws.

You may close your SureWell account at any time by contacting support. Upon closure:

• Recurring contributions will cease
• Brokerage cash and securities will be liquidated or transferred per your instruction and returned to your linked bank account, subject to settlement
• Retirement assets may be transferred or rolled over per IRS regulations
• Life insurance policies are held with the carrier and are not affected by closing your SureWell account; you may keep, modify, or cancel coverage directly with the carrier

We reserve the right to suspend or terminate your account if we reasonably believe you have violated these Terms or applicable law.

To the maximum extent permitted by law, SureWell shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Services. Our total liability for any claim arising from or related to the Services shall not exceed the total fees paid by you in the twelve months preceding the claim.

Any dispute arising from these Terms or the Services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration shall take place in New York, New York. You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.

Nothing in this section prevents either party from seeking injunctive relief in a court of competent jurisdiction.

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles, except where preempted by federal law.

We may modify these Terms at any time. Material changes will be communicated at least 30 days before they take effect. Your continued use of the Services after the effective date constitutes acceptance of the modified Terms.

For questions about these Terms, contact: