Terms and Conditions of Service

Welcome to Lyra Invest. These Terms and Conditions ("Terms") govern your access to and use of our online platform and the AI-powered investment assistance and wealth management services provided by Lyra Invest. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By registering for or using any services provided by Lyra Invest, you signify your unreserved acceptance of these Terms. If you do not agree to these Terms, you may not access or use our services. These Terms constitute a legally binding agreement between you and Lyra Invest.

2. Services Provided

Lyra Invest offers a range of financial technology services, including but not limited to:

• AI-driven portfolio optimization
• Personalized investment recommendations
• Automated financial planning tools
• Market analysis and forecasting
• Risk assessment and management insights
• Digital wealth management platforms

All services are provided for informational and analytical purposes and do not constitute financial advice. You are responsible for your own investment decisions.

3. User Responsibilities

As a user of our platform, you agree to:

• Provide accurate and complete information during registration and throughout your use of our services.
• Maintain the confidentiality of your account credentials and be responsible for all activities that occur under your account.
• Use our services only for lawful purposes and in accordance with these Terms.
• Understand that past investment performance is not indicative of future results and that all investments involve risk.

4. Disclaimer of Financial Advice

Lyra Invest provides tools and information to assist with investment decisions. We are not a registered broker-dealer, investment advisor, or financial planner. The information and recommendations provided by our AI are not intended as, and should not be construed as, financial advice. You should consult with a qualified financial professional before making any investment decisions.

5. Intellectual Property

All content, features, and functionality on our platform, including but not limited to text, graphics, logos, and software, are the exclusive property of Lyra Invest or its licensors and are protected by intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our platform, except as generally permitted for your personal, non-commercial use.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Lyra Invest, its affiliates, officers, directors, employees, agents, suppliers, or licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use our services; (ii) any conduct or content of any third party on our services; (iii) any content obtained from our services; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

7. Indemnification

You agree to defend, indemnify, and hold harmless Lyra Invest and its licensees and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password; b) a break of these Terms, or c) content posted on the Service.

8. Governing Law and Jurisdiction

These Terms shall be governed and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Toronto, Ontario.

9. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the service.

10. Contact Information

If you have any questions about these Terms, please contact us:

Lyra Invest

789 Bay Street, Suite 200

Toronto, Ontario, M5G 1N8

Canada