1. Acceptance of Terms

By accessing and using OptimazEdge's platform and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Account Registration

To use our services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Provide accurate, current, and complete information during registration
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use of your account

3. Brokerage Services

Brokerage services are provided through OptimazEdge Investing, Inc., a registered broker-dealer and member of FINRA/SIPC. Securities in your account are protected by SIPC up to $500,000 (including $250,000 for claims for cash).

3.1 Investment Risks

All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. You should carefully consider your investment objectives, risk tolerance, and financial situation before investing.

3.2 Market Data

We provide market data for informational purposes only. While we strive for accuracy, we do not guarantee the completeness or accuracy of any market data provided through our platform.

4. High-Yield Cash Account

The High-Yield Cash Account is provided through our partner banks, Members FDIC. FDIC insurance is available up to $5 million through the program banks. Annual Percentage Yield (APY) is subject to change at any time without notice.

5. Options Trading

Options trading involves substantial risk and is not suitable for all investors. You must be approved for options trading and acknowledge the risks involved. Options rebates are subject to terms and conditions and may be modified or discontinued at any time.

6. Fees and Charges

While we offer commission-free trading on stocks and ETFs, certain fees may apply to other services. A complete fee schedule is available in our Disclosures. We reserve the right to modify our fee structure with advance notice.

7. Prohibited Activities

You agree not to:

• Use the platform for any illegal purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to our systems or other users' accounts
• Engage in market manipulation, insider trading, or other fraudulent activities
• Use automated systems or bots to access the platform without our permission
• Interfere with or disrupt the platform or servers

8. Intellectual Property

All content, trademarks, logos, and intellectual property on the OptimazEdge platform are owned by or licensed to OptimazEdge. You may not copy, modify, distribute, or create derivative works without our express written permission.

9. Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms of Service or for any other reason at our sole discretion. You may close your account at any time by contacting customer support.

10. Limitation of Liability

To the maximum extent permitted by law, OptimazEdge shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

11. Dispute Resolution

Any disputes arising from these Terms of Service shall be resolved through binding arbitration in accordance with the rules of FINRA. You waive your right to participate in class action lawsuits or class-wide arbitration.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Material changes will be notified through email or platform notification. Your continued use of the platform after such changes constitutes acceptance of the modified terms.

13. Contact Information

For questions about these Terms of Service, please contact us at:

OptimazEdge
Email: legal@optimazedge.com
Phone: 1-800-OPTIMAZ

1. Introduction

OptimazEdge ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform and services.

2. Information We Collect

2.1 Personal Information

We collect personal information that you provide directly to us, including:

• Name, email address, phone number, and mailing address
• Social Security number or Tax ID number (required for account opening)
• Date of birth and government-issued identification
• Employment information and financial details
• Bank account information for transfers

2.2 Automatically Collected Information

When you use our platform, we automatically collect:

• Device information (IP address, browser type, operating system)
• Usage data (pages viewed, features used, time spent)
• Location information (with your permission)
• Cookies and similar tracking technologies

2.3 Financial Information

We collect and maintain records of your:

• Account balances and transaction history
• Investment holdings and performance
• Trading activity and order history
• Tax documents and reporting information

3. How We Use Your Information

We use your information to:

• Open, maintain, and service your brokerage account
• Execute trades and manage your investments
• Verify your identity and prevent fraud
• Comply with legal and regulatory requirements
• Provide customer support and respond to inquiries
• Send important account notifications and updates
• Improve and personalize your experience on our platform
• Conduct research and analytics
• Send marketing communications (with your consent)

4. How We Share Your Information

4.1 Service Providers

We share your information with third-party service providers who perform services on our behalf, including:

• Clearing and settlement services
• Banking and payment processing
• Identity verification and fraud prevention
• Technology infrastructure and hosting
• Customer support and communications

4.2 Regulatory and Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal processes and regulatory requirements
• Respond to government requests
• Enforce our Terms of Service
• Protect our rights, property, or safety
• Prevent fraud or illegal activity

4.3 Business Transfers

If OptimazEdge is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Data Security

We implement industry-standard security measures to protect your information, including:

• AES 256-bit encryption for data at rest
• TLS/SSL encryption for data in transit
• Multi-factor authentication options
• Regular security audits and monitoring
• Employee training on data protection
• Physical and electronic access controls

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal retention requirements)
• Opt-out: Opt out of marketing communications
• Data portability: Request transfer of your data to another service

To exercise these rights, please contact us at privacy@optimazedge.com.

7. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze usage, and deliver personalized content. You can control cookie preferences through your browser settings, but disabling cookies may limit some platform functionality.

8. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

9. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

11. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and how we use it, and the right to opt out of the sale of personal information. We do not sell your personal information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or through a prominent notice on our platform. Your continued use after such changes constitutes acceptance.

13. Contact Us

For questions about this Privacy Policy or our privacy practices, contact us at:

OptimazEdge
Email: privacy@optimazedge.com
Phone: 1-800-OPTIMAZ
Address: Privacy Office, OptimazEdge, [Address]

Important Disclosures

Last Updated: October 18, 2025

1. Brokerage Services

Brokerage services for US-listed, registered securities are offered through OptimazEdge Investing, Inc., a registered broker-dealer and member of FINRA and SIPC. FINRA BrokerCheck is available at www.finra.org/brokercheck.

1.1 SIPC Protection

Securities in your account are protected by the Securities Investor Protection Corporation (SIPC) up to $500,000 (including $250,000 for claims for cash). SIPC protection does not protect against losses from market fluctuations. For more information, visit www.sipc.org.

2. High-Yield Cash Account

The High-Yield Cash Account is offered through partner banks, Members FDIC. Funds in the High-Yield Cash Account are eligible for FDIC insurance up to $5 million through the program banks.

2.1 Annual Percentage Yield (APY)

*The 4.1% APY is accurate as of October 18, 2025, and is subject to change at any time without prior notice. The actual APY you earn may differ based on the timing of deposits and interest rate changes. Interest is compounded daily and credited monthly.

2.2 FDIC Insurance

FDIC insurance is provided through our program banks. Coverage is up to $250,000 per depositor, per insured bank, for the same ownership category. By using multiple program banks, coverage can extend up to $5 million. FDIC insurance does not protect against investment losses.

3. Bond Account

*The 6.4% yield is based on a diversified portfolio of investment-grade and high-yield bonds as of October 18, 2025. The actual yield you receive may vary based on the specific bonds purchased for your account and market conditions at the time of purchase.

3.1 Bond Risks

Investing in bonds involves risks, including:

• Credit Risk: The risk that bond issuers may default on payments
• Interest Rate Risk: Bond prices typically fall when interest rates rise
• Liquidity Risk: Some bonds may be difficult to sell before maturity
• Call Risk: Bonds may be redeemed early by the issuer

Bonds are not FDIC insured and may lose value. Past performance does not guarantee future results.

4. Options Trading

Options involve risk and are not suitable for all investors. You should read and understand the Characteristics and Risks of Standardized Options before trading options.

4.1 Options Rebates

Options trading rebates are based on monthly trading volume and are subject to change. Rebates are calculated at month-end and credited to your account within 5 business days. OptimazEdge reserves the right to modify or discontinue the rebate program at any time.

4.2 Options Fees

While you receive rebates, standard options contract fees still apply. Current fee schedule:

• Options contracts: $0.65 per contract
• Options exercise/assignment: $0.65 per contract
• Regulatory fees apply per transaction

5. Commission-Free Trading

OptimazEdge offers commission-free trading on US-listed stocks and ETFs. However, other fees may apply:

• SEC fees (Section 31 fees)
• FINRA Trading Activity Fee (TAF)
• Wire transfer fees
• Paper statement fees
• Account transfer fees (ACATS)

5.1 Payment for Order Flow

OptimazEdge does not accept payment for order flow (PFOF) on equity trades. We may receive PFOF on options orders. Our order routing prioritizes best execution for our customers.

6. Cryptocurrency Trading

Cryptocurrency trading is provided through OptimazEdge Crypto, LLC. Cryptocurrencies are not securities and are not FDIC or SIPC insured. Cryptocurrency trading involves substantial risk of loss.

6.1 Crypto Risks

• High volatility and potential for significant losses
• Limited regulation and investor protections
• Potential for theft or loss due to security breaches
• Irreversible transactions
• Limited liquidity for some cryptocurrencies

7. Investment Risks

All investments involve risk, including:

• Loss of principal
• Market volatility
• Economic and political factors
• Company-specific risks
• Sector concentration risks

Past performance does not guarantee future results. You should carefully consider your investment objectives, risk tolerance, and financial situation before investing.

8. AI-Generated Content

AI-generated analysis and insights are provided for informational purposes only and should not be considered investment advice. AI-generated content may contain errors or inaccuracies. Always conduct your own research and consult with a financial advisor before making investment decisions.

9. Tax Information

OptimazEdge does not provide tax advice. The tax treatment of investments depends on your individual circumstances and may change over time. You should consult with a tax advisor regarding your specific situation.

9.1 Tax Reporting

We provide tax documents (Forms 1099) by the required deadlines. You are responsible for reporting all taxable events to the IRS, including those not reflected on your 1099.

10. Account Tiers

Account tier benefits are based on your total account value, calculated as the average daily balance over the prior month. Tier benefits may be modified or discontinued at any time. Benefits are subject to availability and eligibility requirements.

11. Extended Hours Trading

Extended hours trading involves additional risks, including:

• Lower liquidity
• Higher volatility
• Wider bid-ask spreads
• Greater price fluctuations
• Delayed settlement

12. Margin Trading

Margin trading involves borrowing funds to purchase securities and magnifies both potential gains and losses. You can lose more than your initial investment. Margin requirements and interest rates are subject to change.

13. Market Data

Market data is provided for informational purposes only. While we strive for accuracy, we do not guarantee the completeness, accuracy, or timeliness of market data. Real-time quotes are subject to exchange fees and may be delayed.

14. Forward-Looking Statements

This website may contain forward-looking statements regarding future events or financial performance. These statements are subject to risks and uncertainties, and actual results may differ materially.

15. Contact Information

For questions about these disclosures or our services:

OptimazEdge Investing, Inc.
Email: compliance@optimazedge.com
Phone: 1-800-OPTIMAZ
Member FINRA/SIPC