Terms of Service and Consumer Data Consent Agreement

Welcome to Psyoniq Financial ("Psyoniq," "Psyoniq Financial," "Platform," "we," "us," or "our"), a financial wellness, financial education, behavioral financial performance, and personal financial management platform wholly owned and operated by NSS Projects, LLC ("Company").

These Terms of Service and Consumer Data Consent Agreement ("Terms") govern your access to and use of the Psyoniq Financial website, applications, software, dashboards, educational resources, financial analytics, and related products and services (collectively, the "Services").

By creating an account, selecting an acceptance checkbox, clicking "I Agree," or otherwise affirmatively accepting these Terms, you acknowledge that:

• You have read and understood these Terms.
• You agree to be legally bound by these Terms.
• You acknowledge the Psyoniq Financial Privacy Policy.
• You authorize the collection, processing, storage, and use of your personal information as described in these Terms and the Privacy Policy, to the extent permitted by applicable law.
• You understand that additional consent or authorization may be required for particular categories of information, connected financial accounts, or optional data uses.

If you do not agree to these Terms, you must not create an account or use the Services.

Psyoniq Financial provides technology-enabled financial wellness and financial performance services designed to help consumers develop productive financial behaviors and improve their financial decision-making.

Services may include:

• Financial education, coaching, and financial literacy resources.
• Budgeting, expense tracking, and cash flow analysis.
• Financial goal-setting, monitoring, and progress tracking.
• Behavioral financial assessments and personalized recommendations.
• Financial performance scores, indices, and benchmarking tools.
• Financial account aggregation through authorized third-party providers.
• Automated insights, notifications, and educational guidance.
• Financial dashboards, reports, and analytical tools.
• Artificial intelligence-assisted financial education and insights, where available.

The Services may evolve, and we may add, modify, suspend, or discontinue features subject to applicable law and any commitments made to paying subscribers.

To use Psyoniq Financial, you must:

• Be at least 18 years old, or the age of legal majority in your jurisdiction, whichever is greater.
• Have the legal capacity to enter into a binding agreement.
• Provide accurate and current registration information.
• Maintain the confidentiality of your login credentials.
• Use the Services only for lawful personal or otherwise authorized purposes.

You are responsible for activity conducted through your account, except where applicable law provides otherwise or activity results from circumstances for which we are legally responsible.

You agree to notify Psyoniq Financial promptly if you suspect unauthorized access to your account.

By affirmatively accepting these Terms, you authorize Psyoniq Financial and NSS Projects, LLC to collect personal information reasonably necessary to provide, administer, secure, and improve the Services, subject to applicable privacy laws and the choices described in our Privacy Policy.

Depending on the Services you use, information collected may include:

A. Personal Identification Information

• Full name.
• Email address.
• Telephone number.
• Date of birth, where necessary.
• Mailing address, where necessary.
• Account credentials and authentication information.

B. Financial Information

• Financial institution and account identifiers.
• Account types and account balances.
• Income and expense information.
• Transaction history and transaction categories.
• Savings, debt, and liability information.
• Financial goals, budgets, and planning information.
• Investment-related information, if supported and authorized.
• Other financial information you voluntarily provide or separately authorize us to access.

C. Behavioral and Financial Performance Information

• Financial habits and spending patterns.
• Budget adherence and savings behavior.
• Financial decision-making preferences.
• Responses to questionnaires and financial assessments.
• Progress toward financial goals.
• Engagement with financial education resources.
• Financial performance scores and related analytical outputs.

D. Technical and Usage Information

• IP address and device identifiers.
• Browser and operating system information.
• Login and authentication activity.
• Website and application usage.
• Diagnostic information and security logs.
• Cookies and similar technologies, subject to applicable consent requirements.

We will provide additional notices or obtain additional consent when required by law.

You authorize Psyoniq Financial and NSS Projects, LLC to process information collected or otherwise lawfully obtained for the following purposes:

• Creating and maintaining your consumer account.
• Providing financial wellness and financial management features.
• Analyzing financial transactions and spending patterns.
• Calculating financial performance scores and indicators.
• Identifying financial behaviors, trends, and opportunities for improvement.
• Generating personalized financial education and recommendations.
• Monitoring progress toward financial objectives.
• Maintaining, troubleshooting, and securing the Platform.
• Providing customer support and communicating service-related information.
• Meeting legal, regulatory, and contractual obligations.
• Improving Platform reliability, accuracy, and functionality through lawful and appropriately safeguarded data analysis.

Where automated tools, algorithms, or artificial intelligence are used, Psyoniq may process relevant information to generate financial insights and personalized educational content.

Psyoniq will not use personal financial information to train third-party general-purpose artificial intelligence models without providing appropriate disclosures and obtaining any legally required authorization.

Optional uses, including certain marketing, profiling, or other secondary processing, will be subject to additional choices or consent where required.

By accepting these Terms, you authorize Psyoniq Financial and NSS Projects, LLC, together with their authorized service providers, to electronically store information necessary to operate the Services.

Information may be maintained using secure cloud infrastructure, databases, and other authorized information systems.

We may store information for the following purposes:

• Maintaining user accounts and service continuity.
• Providing historical financial reports and analytics.
• Supporting financial performance tracking.
• Protecting Platform security and integrity.
• Complying with applicable laws and legal obligations.
• Resolving disputes and enforcing contractual rights.
• Maintaining backups and disaster recovery capabilities.

• Data Retention: We retain personal information only for as long as reasonably necessary for the disclosed purposes, or as otherwise required or permitted by applicable law.

Following account termination or a valid deletion request, information will be deleted, deidentified, or retained only where a lawful basis exists, including legal obligations, security, fraud prevention, or dispute resolution. Residual backup information may remain temporarily under documented retention procedures.

Psyoniq Financial may offer the ability to connect financial accounts through third-party financial data aggregation providers, such as Plaid or other authorized providers.

Connecting financial accounts is voluntary unless a particular feature expressly requires such connectivity.

Before initiating a connection, Psyoniq will present the applicable connection process and any required disclosures or authorization requests.

By separately authorizing a financial account connection, you permit the relevant financial data provider and Psyoniq Financial to access and process the financial information identified during the authorization process for the disclosed purposes.

Depending on the connection and permissions granted, this information may include:

• Account ownership and identification details.
• Account balances.
• Transaction histories.
• Account types.
• Income and cash flow information.
• Other expressly authorized account information.

Psyoniq will access connected financial information only within the scope of the applicable authorization and law.

Your financial institution and the aggregation provider may maintain separate terms and privacy policies.

You may request disconnection of linked financial accounts through available Platform controls or by contacting Psyoniq. Disconnection will stop future access through that connection, subject to technical processing and applicable requirements, but will not necessarily delete information previously collected. You may separately request deletion of retained information.

Psyoniq will not initiate fund transfers, withdraw funds, or execute financial transactions solely on the basis of an authorization to access financial data. Any future transaction functionality would require separate disclosures and appropriate authorization.

Psyoniq Financial and NSS Projects, LLC may disclose personal information to authorized third parties when reasonably necessary for legitimate and disclosed purposes.

Such recipients may include:

• Cloud hosting and data storage providers.
• Financial account aggregation providers.
• Authentication and cybersecurity providers.
• Software infrastructure and analytics providers.
• Customer support service providers.
• Payment processors, where applicable.
• Professional advisers subject to confidentiality obligations.
• Government authorities or other parties where disclosure is legally required.

We require service providers handling personal information on our behalf to maintain appropriate confidentiality, security, and contractual protections, consistent with applicable law.

Psyoniq does not obtain a general right to sell, license, or commercially exploit identifiable consumer financial information merely because a consumer accepts these Terms.

Any sale, sharing for targeted advertising, or other use requiring a separate legal notice, opt-out opportunity, or affirmative consent will be handled in accordance with applicable law.

We may use or disclose properly aggregated or deidentified information for research, statistical analysis, product development, and performance benchmarking, provided appropriate measures are maintained to prevent identification or reidentification as required by law.

Psyoniq Financial and NSS Projects, LLC will implement and maintain reasonable administrative, technical, and physical safeguards appropriate to the sensitivity of information processed and applicable legal requirements.

Such measures may include:

• Encryption during transmission and storage.
• Authentication and access management.
• Role-based access controls.
• Monitoring and security logging.
• Security testing and vulnerability management.
• Vendor security assessments.
• Backup and recovery procedures.
• Incident response procedures.

No internet-based system can guarantee absolute security.

If a security incident involving personal information occurs, Psyoniq will investigate and provide notifications to affected individuals and appropriate authorities when required by applicable law.

Subject to applicable law, you may have rights to:

• Request access to personal information maintained about you.
• Request correction of inaccurate personal information.
• Request deletion of eligible personal information.
• Obtain a copy of certain personal information in a portable format.
• Withdraw consent for processing that depends on your consent.
• Disconnect linked financial accounts.
• Opt out of certain marketing communications or data uses.
• Exercise applicable rights concerning targeted advertising, profiling, or the sale or sharing of personal information.
• Appeal certain decisions concerning privacy requests where required by law.

To exercise your rights, contact Psyoniq through the privacy contact method published on its website or Privacy Policy.

We may verify your identity before fulfilling requests and may deny or limit requests where legally permitted or required.

Withdrawal of consent does not invalidate processing lawfully conducted before withdrawal.

If you withdraw consent necessary to provide a particular feature, that feature may become unavailable.

Psyoniq will not unlawfully discriminate against consumers for exercising their privacy rights.

Psyoniq Financial is designed to support financial education, financial wellness, and informed financial decision-making.

Unless expressly stated otherwise in a separate legally compliant agreement, Psyoniq does not provide individualized investment advisory, securities brokerage, banking, legal, or tax services.

Financial performance scores, recommendations, projections, and educational materials are informational tools and do not guarantee specific financial results.

Users remain responsible for their financial decisions.

Psyoniq does not guarantee that its recommendations will increase income, eliminate debt, improve credit scores, or generate investment returns.

Certain Psyoniq features may use statistical models, machine learning, or artificial intelligence to analyze financial behaviors and provide personalized insights.

You acknowledge that:

• Automated outputs may contain errors or inaccuracies.
• Financial assessments may rely on incomplete or outdated information.
• Financial scores are proprietary analytical measures unless otherwise disclosed.
• Automated recommendations are not guaranteed predictions of future outcomes.
• Material financial decisions should be independently evaluated.

Where required by law, Psyoniq will provide additional information or rights relating to automated decision-making and profiling.

You agree not to:

• Provide fraudulent or materially misleading information.
• Access another person's account without authorization.
• Attempt to compromise Platform security.
• Introduce malicious software.
• Scrape, copy, or extract Platform information unlawfully.
• Reverse engineer Platform technology except where legally permitted.
• Use the Services for fraud, identity theft, or unlawful activity.
• Interfere with the Services or other users.

Psyoniq may suspend or terminate accounts for material violations, subject to applicable law.

Some Psyoniq services may be offered through paid subscriptions or other payment arrangements.

Where applicable, the Platform will disclose pricing, billing frequency, renewal terms, and cancellation procedures before purchase.

Recurring subscriptions will be subject to separate checkout disclosures and any affirmative authorization required by applicable law.

Users may cancel subscriptions through the available cancellation method.

Refunds, renewals, and billing adjustments will be governed by the disclosed subscription terms and applicable consumer protection laws.

The Psyoniq Financial name, branding, software, dashboards, educational materials, financial performance methodologies, algorithms, content, and related intellectual property are owned by NSS Projects, LLC or its licensors, except where otherwise expressly indicated.

Subject to these Terms, users receive a limited, nonexclusive, nontransferable, revocable license to access and use the Services for their intended purposes.

Users retain ownership of information they lawfully submit to the Platform.

By submitting information, users grant NSS Projects, LLC a limited, nonexclusive right to host, process, analyze, reproduce, and otherwise use that information only as necessary for the Services and other purposes lawfully disclosed and authorized.

This license does not transfer ownership of consumer data to NSS Projects, LLC.

Psyoniq may integrate with external financial institutions, technology platforms, payment processors, and other providers.

Third-party services may be governed by separate agreements and privacy notices.

Psyoniq is not responsible for the independent actions of third parties outside its control, except to the extent responsibility is imposed by law or arises from Psyoniq's own obligations.

To the extent permitted by applicable law, the Services are provided on an "as available" and "as is" basis, without warranties beyond those expressly stated or required by law.

NSS Projects, LLC does not guarantee uninterrupted access, error-free operation, or particular financial outcomes.

To the extent permitted by law, NSS Projects, LLC and its affiliates will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of the Services.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including applicable statutory privacy and data security obligations, fraud, willful misconduct, or other nonwaivable rights.

To the extent permitted by applicable law, you agree to indemnify NSS Projects, LLC against third-party claims arising from your unlawful use of the Services, intentional misconduct, or material violation of these Terms.

This provision does not require you to indemnify the Company for its own negligence, unlawful conduct, or breach of applicable obligations where such indemnification is prohibited by law.

You may stop using the Services and request account closure at any time.

Upon closure, Psyoniq will terminate ordinary account access and process associated personal information in accordance with its Privacy Policy, retention practices, and applicable legal obligations.

NSS Projects, LLC may suspend or terminate access where reasonably necessary to address security threats, unlawful conduct, or material contractual violations.

Where appropriate, we will provide notice and an opportunity to resolve the issue.

NSS Projects, LLC may modify these Terms to reflect changes in Services, technology, business practices, or legal requirements.

Updated Terms will be published with a revised effective date.

Where required by law or appropriate due to material changes, we will provide advance notice and obtain renewed consent.

Materially expanded data processing activities will not be justified solely by posting revised Terms where additional authorization is legally required.

These Terms are governed by the laws of the State of New Jersey, United States, without regard to conflict-of-law principles, except where mandatory consumer protection or privacy laws require otherwise.

Disputes arising under these Terms will be resolved in courts of competent jurisdiction, subject to applicable law and any separately agreed lawful dispute resolution procedure.

Nothing in these Terms limits a consumer's right to seek remedies from governmental authorities or exercise nonwaivable statutory rights.

The Psyoniq Financial Privacy Policy supplements these Terms and provides additional information about personal information practices, retention, third-party disclosures, consumer rights, and available privacy choices.

The Privacy Policy is available through Psyoniq Financial's website.

Where a separate consent or authorization is required by law, acceptance of these Terms and acknowledgment of the Privacy Policy do not substitute for that consent.

Privacy inquiries, account requests, data deletion requests, and legal notices may be submitted using the official contact information published on the Psyoniq Financial website.

Before publication, NSS Projects, LLC should designate and publish a dedicated privacy contact email and business mailing address.

By selecting "I Agree" during registration or account setup, you affirmatively acknowledge and agree that:

• You have reviewed and accepted these Terms of Service.
• You have been provided access to the Psyoniq Financial Privacy Policy.
• You authorize the collection, processing, and storage of personal information necessary to deliver the Services, as described in these Terms and the Privacy Policy, subject to applicable law.
• You understand that optional or sensitive data uses may require additional consent.
• You understand your available privacy rights and choices, including the ability to request deletion or withdraw consent where applicable.
• You consent to the electronic recording of your acceptance, including the date, time, and applicable version of these Terms.

Your electronic acceptance may be retained as evidence of agreement and applicable authorizations, consistent with law.

© 2026 NSS Projects, LLC. All rights reserved. Psyoniq Financial is wholly owned and operated by NSS Projects, LLC.