Welcome to Claim Your Youth Insights Inc. These Terms of Service govern your use of our website, mobile application, and the youth savings and financial education services we provide. By creating an account, opening a youth savings account, or otherwise using our platform, you agree to these terms. Please read them carefully. If you are opening an account on behalf of a minor, you accept these terms as the responsible adult on the account.

1. Company Information

Claim Your Youth Insights Inc. is a corporation that provides a youth savings platform and financial literacy tools designed to help young people learn to save and manage money responsibly. You can reach us using the details below:

• Address: 2160 W State Road 434, Longwood, FL 32779
• Phone: (866) 604-4119
• Email: support@claimyouryouth.com

2. Our Services

We offer youth savings accounts and a companion app and website that include savings tools, dividend-eligible balances, educational games, calculators, and practical guidance on personal finance topics. Our services are intended to introduce young savers to good money habits under the supervision of a participating adult. A joint adult account holder (18 years or older) is required for every youth account.

Specific account features, dividend rates, balance thresholds, and fees are described on our website and within the app, and may be updated from time to time. Features available to any individual account may vary based on eligibility and the participating financial institution.

3. Eligibility and Adult Joint Holders

Youth accounts are designed for young savers, and an adult who is 18 years or older must be a joint holder on each account. The adult joint holder is responsible for supervising account activity, reviewing transactions, and ensuring that the information provided to us is accurate. By acting as a joint holder, the adult represents that they have the authority to open and manage the account on behalf of the youth saver.

4. Acceptable Use

You agree to use our platform only for lawful, personal, and educational purposes. You may not attempt to gain unauthorized access to any part of our systems, interfere with other users, misuse the educational tools, or provide false information when opening or managing an account.

5. Intellectual Property

All content on our platform, including the savings tools, calculators, educational materials, games, logos, and design elements, is owned by Claim Your Youth Insights Inc. or its licensors and is protected by applicable intellectual property laws. You may use this content for your own personal and educational use, but you may not copy, distribute, or create derivative works from it without our written permission.

6. SMS Messaging – Promotional Marketing Only

By opting in, you consent to receive promotional marketing text messages from Claim Your Youth Insights Inc. Message frequency may vary. Message and data rates may apply.

• You can cancel the SMS service at any time by texting “STOP” to [INSERT SHORT CODE]. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
• If you are experiencing issues with the messaging program you can reply with the keyword “HELP” to [INSERT SHORT CODE] for more assistance, or you can get help directly at support@claimyouryouth.com or (866) 604-4119.
• Carriers are not liable for delayed or undelivered messages.

As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text or data plan, it is best to contact your wireless provider. The carriers supported include: AT&T, T-Mobile, Metro PCS, Verizon Wireless, US Cellular, Google Voice, Cellular One, Cellcom, Cellular South, Interop, and Clearsky.

7. Disclaimer of Warranties

Our platform and educational tools are provided on an “as is” and “as available” basis. While we work to keep our information accurate and our services reliable, we do not guarantee that the platform will always be uninterrupted or error-free. Educational content and calculators are provided for general learning purposes and should not be treated as professional financial advice.

8. Limitation of Liability

To the fullest extent permitted by law, Claim Your Youth Insights Inc. will not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, our platform. Nothing in these terms limits any rights that cannot be limited under applicable law.

9. Governing Law

These Terms of Service are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict of laws principles. Any disputes relating to these terms will be handled in the appropriate courts located in Massachusetts.

10. Changes to These Terms

We may update these Terms of Service from time to time as our services evolve. When we make changes, we will post the updated terms on our website. Your continued use of the platform after an update means you accept the revised terms.

11. Contact Us

If you have any questions about these Terms of Service, please reach out to us:

• Phone: (866) 604-4119
• Email: support@claimyouryouth.com

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