Version 2.1 (Beta)
Effective: June 11, 2026
These Terms of Service (these "Terms") govern your use of the Catalyst mobile application and web platform (collectively, the "App"), operated by Catalyst Finance, Inc., a Florida corporation ("Catalyst," "we," "us"). By creating an account, checking the acceptance box, or using the App, you agree to these Terms. If you do not agree, do not use the App.
PLEASE READ THESE NOTICES:
THE APP PROVIDES INFORMATION ONLY. IT DOES NOT PROVIDE INVESTMENT ADVICE, RECOMMENDATIONS, BROKERAGE SERVICES, OR ANY PERSONALIZED FINANCIAL GUIDANCE. CONTENT IN THE APP — INCLUDING INSIGHTS, ARTICLES, DIGESTS, SENTIMENT OR "MOOD" LABELS, SIGNALS, BRIEFS, AND CHAT RESPONSES — IS GENERATED BY AUTOMATED SYSTEMS WITHOUT HUMAN REVIEW AND MAY BE INACCURATE. SEE SECTION 4.
SECTION 13 CONTAINS A BINDING INDIVIDUAL ARBITRATION AGREEMENT AND A CLASS ACTION AND JURY TRIAL WAIVER, WITH A 30-DAY RIGHT TO OPT OUT. IT AFFECTS YOUR LEGAL RIGHTS.
1.1 Eligibility. You must be at least 18 years old and able to form a binding contract to use the App. The App is offered solely to residents of the United States during the beta period. By creating an account, you represent that you meet these requirements, that you are not located in a country subject to a U.S. Government embargo or designated a "terrorist supporting" country, and that you are not on any U.S. Government prohibited or restricted-party list. The App is operated from the United States and your information is processed and stored in the United States; if you access the App from outside the United States, you do so on your own initiative, at your own risk, and you are responsible for compliance with local laws.
1.2 Beta Software. The App is beta software provided "AS IS" and "AS AVAILABLE." It may contain errors or inaccuracies, and features, content, and data (including data you enter) may be modified, suspended, deleted, or discontinued at any time without notice. We make no service-level commitment, and to the maximum extent permitted by applicable law we will have no liability arising from the App's beta status, subject to Section 12. Maintain independent records of any information you enter into the App.
1.3 Free Service. The App is currently provided free of charge. We may introduce paid features in the future upon notice, and any fees will apply only if you affirmatively agree to them.
You may register using an email address and password or through a supported sign-in provider (such as Google or Apple). You agree to provide accurate registration information, to keep your credentials confidential, and to notify us promptly of any unauthorized use of your account. You are responsible for activity under your account. You may delete your account at any time in the App's settings; we may suspend or terminate your account or access to the App at any time, with or without notice, including for any violation of these Terms.
3.1 License. We grant you a personal, non-exclusive, non-transferable, revocable license to use the App for your own noncommercial purposes.
3.2 Restrictions. You may not: (a) copy, sell, redistribute, or commercially exploit the App or its content or data; (b) reverse engineer or create derivative works of the App; (c) use any automated means to access the App or collect its content, including for training or grounding any artificial-intelligence model; or (d) use the App to build a competing product. The App may install updates automatically, including over-the-air updates, and you consent to such updates.
3.3 Ownership; Feedback. Catalyst and its licensors own all rights in the App and its content. If you submit feedback or suggestions (including through any in-app feedback feature), you grant us a perpetual, irrevocable, royalty-free right to use them without restriction or compensation.
4.1 No Investment Advice; No Advisory Relationship. Catalyst provides impersonal information and analysis for informational purposes only. Catalyst Finance, Inc. is not a registered investment adviser or broker-dealer and is not registered with the SEC, any state securities regulator, or FINRA. Nothing in the App — including AI chat responses, insights, articles, digests, signals, briefs, sentiment or "mood" labels (such as bullish or bearish), price alerts, screeners, notifications, or content selected or ordered based on your preferences, watchlists, or linked accounts — is investment, legal, tax, or accounting advice, a recommendation, an offer or solicitation, or a determination that any security, digital asset, or strategy is suitable for you. Sentiment labels and signals are automated summaries of aggregate data, not ratings, predictions, or recommendations. No fiduciary, advisory, or confidential relationship is created between you and Catalyst, and Catalyst has no duty to update information or to monitor your investments. You are solely responsible for your investment decisions; consult a licensed financial professional before acting on anything in the App.
4.2 AI-Generated Content. App content — including chat responses, insights, articles, digests, signals, briefs, and sentiment labels — is generated by automated systems without human review and may contain errors, omissions, outdated information, or fabricated information, including specific numbers (such as prices, price targets, ratings, estimates, and statistics) and statements that appear factual, sourced, cited, or authoritative but are not. We do not warrant the accuracy, completeness, or timeliness of any content. Do not rely on any App content without independently verifying it against official sources.
4.3 Personalization. Any personalization in the App — including personalization based on your stated preferences, goals, experience, inferred risk preference, watchlists, or linked accounts — only filters and organizes impersonal content that is published generally to all users. The App does not assess the suitability of any investment for you, and no content in the App constitutes individualized investment advice or a recommendation tailored to your financial situation.
4.4 Third-Party Content; Conflicts. App content may summarize, cite, or link to third-party sources, including news publishers, analysts, and public filings. We do not endorse and are not responsible for third-party content, and third-party opinions reported in the App may be inaccurate, outdated, or incorrectly attributed. Past performance is not indicative of future results. Catalyst and its personnel may hold, acquire, or transact in securities or digital assets discussed in the App for their own accounts.
The App includes an AI chat feature ("Spark") powered by third-party artificial intelligence providers, which process your messages, conversation history, and related context — which may include ticker symbols you select or that appear in your watchlists or linked holdings, and content you attach — to generate responses. We do not provide these providers with your name, email address, account credentials, or the quantities or balances in your accounts. Your conversations are stored with your account. Copies of your messages and related context processed by our AI providers are retained by those providers under their own policies, and deleting a conversation or your Catalyst account does not delete the copies those providers hold. Do not submit sensitive personal or financial information through chat. Chat responses are App content subject to Section 4 and may be inaccurate; do not rely on them for any investment decision.
6.1 Account Linking. You may connect brokerage, financial, or crypto-exchange accounts through third-party account aggregation services. You authorize those services, and us, to access, retrieve, and refresh your account and transaction information on your behalf; access is read-only, and your use of those services is subject to their own terms and privacy policies, which are presented when you connect an account. Your financial-institution login credentials are entered only on the aggregation provider's pages — we do not receive or store them.
6.2 Portfolio Data. Holdings, balances, transactions, valuations, and performance figures displayed in the App — whether retrieved through an aggregation provider or entered by you manually — may be delayed, incomplete, or inaccurate, and we do not guarantee them. You are solely responsible for the accuracy of data you enter manually.
6.3 Disconnecting. You may disconnect a linked account at any time in the App's settings, which stops further syncing and deletes the holdings and transactions synced from that account from our systems. Disconnecting in the App may not, by itself, revoke the aggregation provider's own connection or authorization with your financial institution; you can revoke that access directly through the aggregation provider or your financial institution. Deleting your Catalyst account revokes the account connections that are linked in the App at the time of deletion.
6.4 No Brokerage; No Trading; Digital Assets. You cannot buy, sell, or trade any security or digital asset through the App, and the App does not execute, route, facilitate, or recommend transactions. Catalyst is not a broker-dealer, exchange, money transmitter, or custodian and does not hold customer funds, securities, or digital assets. All disclaimers in these Terms regarding securities, market data, and informational content apply equally to digital assets, including cryptocurrency holdings displayed from your linked accounts; the App displays digital-asset information on a read-only basis only and does not custody, hold, store, transmit, exchange, or effect transactions in digital assets or funds.
7.1 Market Data. Market data and related content are supplied by third-party data providers on an "as is" basis, may be real-time or delayed, may be incomplete or inaccurate, and are provided without warranty of any kind. Market data is provided for your personal, noncommercial use only, and you may not redistribute, retransmit, or republish it. Our data providers are intended third-party beneficiaries of this section and disclaim all liability arising from the data. Charting and visualization components in the App may be provided by third parties and are subject to their terms.
7.2 Alerts and Notifications. If you enable them, the App may send push notifications, including price alerts you configure and automated insights and digests. Notifications and alerts are informational only, are not advice or a recommendation to take any action, and may be delayed, inaccurate, or missed — do not rely on them for time-sensitive decisions. You can control notification categories in the App's settings or your device settings.
You retain ownership of content you submit to the App (such as watchlists, collections, notes, profile photos, manually entered positions, and feedback text). You grant Catalyst a non-exclusive, worldwide, royalty-free license to host, store, reproduce, display, and transmit that content as needed to operate, provide, and improve the App. You are solely responsible for content you submit, and you represent that it is lawful and does not infringe any third party's rights. We may remove or disable any content or share link at any time. Report claimed copyright infringement to contact@catalystfinance.ai.
9.1 Privacy Policy. Our Privacy Policy, available at https://catalystfinance.ai/privacy and within the App, describes how we collect, use, share, and retain information. By using the App you consent to: (a) receiving notices and communications from us electronically, including service and account emails, which satisfy any legal requirement that they be in writing; and (b) our transmitting information you provide or link — including financial account data accessed through our third-party account-aggregation providers and the contents of your conversations with our AI features — to third-party service providers (including hosting, data storage, crash and error reporting, push notification, account-aggregation, and artificial-intelligence providers) for processing as described in the Privacy Policy. You may opt out of marketing emails at any time via the unsubscribe link; you cannot opt out of transactional communications while your account is active.
9.2 Biometrics. Optional biometric unlock (such as Face ID) is processed entirely on your device by your device's operating system; we never receive or store biometric data — only a pass/fail result. You can disable it at any time in settings.
If you access the App through an Apple platform: these Terms are between you and Catalyst only — not Apple Inc. ("Apple") — and Apple is not responsible for the App or its content. We grant you a non-transferable license to use the App on Apple-branded devices you own or control, as permitted by the App Store Usage Rules. Catalyst, not Apple, is solely responsible for the App, including maintenance and support, any warranties (to the extent not disclaimed), and addressing any claims relating to the App, including product-liability, legal or regulatory, consumer-protection, and third-party intellectual-property claims; if the App fails to conform to an applicable warranty, you may notify Apple for a refund of the purchase price (if any), and Apple has no other warranty obligation. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. Beta builds are pre-release software provided AS IS for evaluation; your use through TestFlight is also subject to Apple's TestFlight terms.
You will indemnify and hold harmless Catalyst and its officers, directors, employees, and agents from claims, damages, and reasonable attorneys' fees arising out of your violation of these Terms, your violation of law or the rights of any third party, or content you submit or share — except to the extent arising from Catalyst's own fraud, gross negligence, or willful misconduct.
THE APP AND ALL CONTENT — INCLUDING AI-GENERATED INSIGHTS, ARTICLES, DIGESTS, SENTIMENT OR "MOOD" LABELS, SIGNALS, BRIEFS, CHAT RESPONSES, PRICE ALERTS, PORTFOLIO DATA, AND THIRD-PARTY MARKET DATA — ARE PROVIDED "AS IS" AND "AS AVAILABLE," FOR INFORMATIONAL PURPOSES ONLY, AND MAY BE INACCURATE, INCOMPLETE, DELAYED, OR GENERATED BY AUTOMATED SYSTEMS WITHOUT HUMAN REVIEW. CATALYST MAKES NO WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. CATALYST IS NOT A BROKER-DEALER, INVESTMENT ADVISER, OR FIDUCIARY, AND NOTHING IN THE APP IS INVESTMENT, FINANCIAL, LEGAL, OR TAX ADVICE OR A RECOMMENDATION TO BUY, SELL, OR HOLD ANY SECURITY OR OTHER ASSET. YOU ALONE ARE RESPONSIBLE FOR YOUR INVESTMENT DECISIONS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) NEITHER CATALYST NOR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST DATA, OR TRADING OR INVESTMENT LOSSES, ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (B) CATALYST'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS WILL NOT EXCEED FIFTY U.S. DOLLARS (US $50).
THE LIMITATIONS IN THIS SECTION DO NOT APPLY TO LIABILITY ARISING FROM CATALYST'S FRAUD, GROSS NEGLIGENCE, OR WILLFUL MISCONDUCT, OR TO ANY OTHER LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU; IN THAT CASE, CATALYST'S LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. EACH PROVISION OF THIS SECTION IS SEVERABLE: IF ANY PART IS HELD UNENFORCEABLE, IT WILL BE ENFORCED TO THE MAXIMUM EXTENT PERMITTED AND THE REMAINING PARTS WILL REMAIN IN FULL EFFECT. YOU ACKNOWLEDGE THAT THE DISCLAIMERS AND LIMITATIONS IN THIS SECTION ARE A FUNDAMENTAL BASIS OF THE BARGAIN FOR A SERVICE PROVIDED FREE OF CHARGE.
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.
13.1 Informal Resolution First. Before starting an arbitration, the party raising a dispute must first send the other a written notice describing the dispute and the relief sought (to Catalyst: contact@catalystfinance.ai; to you: your account email), and both parties will try in good faith to resolve the dispute within 60 days after the notice. Completing this step is a condition precedent to starting arbitration.
13.2 Agreement to Arbitrate. Except as provided in Section 13.3, you and Catalyst agree that any dispute, claim, or controversy arising out of or relating to these Terms or the App will be resolved exclusively by final and binding arbitration before a single arbitrator, on an individual basis, administered by JAMS under its Streamlined Arbitration Rules and Procedures and its Consumer Arbitration Minimum Standards then in effect. The Federal Arbitration Act governs this arbitration agreement. The arbitrator, and not any court, will decide all disputes about the interpretation, applicability, or enforceability of this arbitration agreement, except that only a court may decide the enforceability of the Class Action Waiver in Section 13.4. Arbitration will be conducted in the county where you reside or, at either party's election, by telephone or videoconference. Catalyst will pay all JAMS fees and costs except your share of the initial filing fee, which will not exceed the amount specified in JAMS' Consumer Arbitration Minimum Standards. Judgment on the award may be entered in any court of competent jurisdiction.
13.3 Carve-Outs. Either party may (a) bring an individual claim in small claims court, and (b) seek injunctive or other equitable relief in a court of competent jurisdiction for actual or threatened infringement or misuse of intellectual property or unauthorized access to or abuse of the App.
13.4 Class Action and Jury Trial Waiver. YOU AND CATALYST EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN ANY CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR OTHER REPRESENTATIVE PROCEEDING. The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to resolve that party's individual claim. If this Class Action Waiver is held unenforceable as to a particular claim, that claim (and only that claim) must be severed and proceed in court, not in arbitration on a class or representative basis, and the remainder of this Section remains in full force.
13.5 Mass Filings. You and Catalyst agree that JAMS' Mass Arbitration Procedures and Mass Arbitration Procedures Fee Schedule will apply whenever their threshold requirements are met.
13.6 30-Day Right to Opt Out. You may opt out of this arbitration agreement and the Class Action Waiver — without affecting the rest of these Terms — by emailing contact@catalystfinance.ai within 30 days after the date you first accept these Terms or, if a later update materially changes this Section 13, within 30 days after you accept that update, stating your name, account email, and that you opt out of arbitration. Opting out does not affect your ability to use the App.
13.7 Governing Law; Venue. These Terms and any dispute arising out of them are governed by the laws of the State of Florida and applicable U.S. federal law, without regard to conflict-of-laws rules, except that the Federal Arbitration Act governs this arbitration agreement. If a claim proceeds in court (including after a valid opt-out), you and Catalyst consent to the exclusive jurisdiction of the state and federal courts located in Hillsborough County, Florida, subject to any non-waivable right you may have to proceed in the courts of your state of residence.
We may revise these Terms from time to time. If we make material changes, we will notify you through the App or by email, and the updated Terms will state their effective date. Your continued use of the App after the effective date constitutes acceptance; for significant changes we may require you to re-accept. Changes to Section 13 will not apply to any dispute that arose, or for which either party provided notice under Section 13.1, before the change took effect. If you do not agree to updated Terms, stop using the App and delete your account.
If any provision of these Terms is held unenforceable, it will be limited to the minimum extent necessary and the remaining provisions will remain in full force. Our failure to enforce any provision is not a waiver. You may not assign these Terms; we may assign them without restriction. Sections 3.2, 3.3, 4, 7.1, 11, 12, 13, and 15 survive termination of these Terms or your account. These Terms are the entire agreement between you and Catalyst regarding the App; our Privacy Policy separately describes our data practices.
Contact. Catalyst Finance, Inc., 501 Knights Run Ave Apt 1302, Tampa, Florida 33602 — contact@catalystfinance.ai.
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