TERMS OF SERVICE

Yacht Club Algos — a service of Buckeye Physical Therapy LLC
Effective Date: March 28, 2026 | Last Updated: March 28, 2026

1. ACCEPTANCE OF TERMS

By accessing or using Yacht Club Algos ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

The Service is operated by Buckeye Physical Therapy LLC, doing business as Yacht Club Algos ("Company," "we," "us," or "our"), a limited liability company organized under the laws of the State of Texas.

2. DESCRIPTION OF SERVICE

Yacht Club Algos provides access to proprietary algorithmic trading software ("Software") that interfaces with third-party brokerage accounts. The Software automates the execution of options trading strategies based on user-configured parameters and market data.

The Service is provided as-is software access only. We do not provide:

• Investment advice
• Financial planning services
• Broker-dealer services
• Investment management services
• Any personalized recommendations regarding securities

Nothing in the Service constitutes financial advice, investment advice, trading advice, or any other type of advice. All trading activity executed through the Software is directed by you, the user, through your own configuration and decisions.

3. ELIGIBILITY

To use the Service you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Have an active account with a supported brokerage (currently Charles Schwab)
• Have appropriate options trading approval from your brokerage
• Comply with all applicable laws and regulations in your jurisdiction

The Service is intended for use by residents of the United States. Users outside the United States access the Service at their own risk and are solely responsible for compliance with local laws.

4. ACCOUNT REGISTRATION

You must create an account to access the Service. You agree to:

• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activity that occurs under your account

You may not share your account with any other person. Each subscription is for a single user only.

5. BROKERAGE CONNECTION AND ACCOUNT ACCESS

The Service connects to your brokerage account via OAuth authorization. By connecting your brokerage account, you:

• Authorize the Software to place, modify, and close options orders on your behalf based on your configured parameters
• Acknowledge that you retain full responsibility for all trades executed through your account
• Understand that the Software may execute trades automatically without requiring your real-time approval for each trade
• Accept that you can revoke the Software's brokerage access at any time through your brokerage account settings

We do not have access to your brokerage credentials, passwords, or the ability to withdraw funds from your account.

6. SUBSCRIPTION AND PAYMENT

6.1 Subscription Plans

Access to the Service requires a paid subscription. Subscription plans and pricing are described on our website and are subject to change with 30 days' notice to existing subscribers.

6.2 Billing

Subscriptions are billed monthly on the date of initial purchase. Payment is processed through our third-party payment processor.

6.3 Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. You will retain access to the Service through the end of the period for which you have paid.

6.4 No Refunds

All subscription fees are non-refundable. We do not provide partial refunds or credits for unused portions of a subscription period. This policy applies regardless of the reason for cancellation, including dissatisfaction with the Service, trading losses, or any other reason.

6.5 Free Trial / Paper Mode

Access to paper trading (simulated trading mode) may be available without charge. Paper trading uses simulated funds and does not execute real trades. We make no representations about the accuracy of paper trading results as predictors of live trading performance.

7. TRADING RISK ACKNOWLEDGMENT

By using the Service, you acknowledge and agree that:

• Options trading involves substantial risk of loss and is not appropriate for all investors
• You may lose the entire amount invested in any individual trade
• Past performance of the Software, whether in paper trading or live trading, does not guarantee future results
• The Software operates based on algorithmic rules and market conditions that cannot be predicted or guaranteed
• You are solely responsible for all trading decisions and outcomes resulting from use of the Service
• You should only trade with capital you can afford to lose entirely

You represent that you have independently evaluated the risks associated with options trading and have determined that such trading is appropriate for your financial situation.

8. PROHIBITED USES

You agree not to:

• Reverse engineer, decompile, or attempt to extract the source code of the Software
• Share, resell, or sublicense access to the Service
• Use the Service to engage in market manipulation or any illegal trading activity
• Attempt to circumvent any security measures or access restrictions
• Use the Service in any manner that could damage, disable, or impair our systems
• Provide false information during account registration

9. INTELLECTUAL PROPERTY

The Service, including all Software, algorithms, trading strategies, user interface, and content, is the exclusive property of Buckeye Physical Therapy LLC and is protected by applicable intellectual property laws. Your subscription grants you a limited, non-exclusive, non-transferable license to access and use the Service for your personal trading purposes only.

10. DISCLAIMER OF WARRANTIES

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR RELIABILITY OF TRADING SIGNALS OR RESULTS
• UNINTERRUPTED OR ERROR-FREE OPERATION OF THE SOFTWARE
• COMPATIBILITY WITH YOUR BROKERAGE OR ANY THIRD-PARTY SERVICE

WE DO NOT WARRANT THAT THE SOFTWARE WILL EXECUTE TRADES AS INTENDED IN ALL MARKET CONDITIONS OR THAT ANY PARTICULAR STRATEGY WILL BE PROFITABLE.

11. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BUCKEYE PHYSICAL THERAPY LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• ANY TRADING LOSSES OR FINANCIAL DAMAGES ARISING FROM USE OF THE SERVICE
• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES
• DAMAGES RESULTING FROM SOFTWARE ERRORS, OUTAGES, OR FAILURES TO EXECUTE TRADES AS INTENDED

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE THREE MONTHS PRECEDING THE CLAIM.

12. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Buckeye Physical Therapy LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from your use of the Service, your violation of these Terms, or your trading activity.

13. TERMINATION

We reserve the right to suspend or terminate your access to the Service at any time for violation of these Terms or for any other reason at our sole discretion. Upon termination, your right to access the Service ceases immediately. No refunds will be issued for termination due to violation of these Terms.

14. MODIFICATIONS TO TERMS

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and, where practicable, by email. Continued use of the Service after the effective date of any changes constitutes your acceptance of the modified Terms.

15. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Texas, and you consent to personal jurisdiction in such courts.

16. CONTACT

For questions about these Terms, contact us at:

Buckeye Physical Therapy LLC, dba Yacht Club Algos
support@yachtclubalgos.com