PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THIS SITE OR USING THE PRODUCTS AND SERVICES OFFERED ON THIS SITE AND ITS APPS, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT ACCESS THIS SITE.

You are currently viewing the www.bullfintech.com website or a related website or mobile application owned by Bull Financial Technology or one of its direct or indirect subsidiaries. The following General Terms of Use (“Terms of Use”) govern your access to and use of the Site, including any content, functionality, and services offered on or through the Site (“Services”). “You” and “your” refer to anyone who accesses or uses the Site or Services. The Site is intended for persons 13 years of age or older. If you are under the age of 13, please do not access this Site or do so under the express supervision of your parent or legal guardian.

Bull Financial Technology and its subsidiaries reserve the right to modify these Terms of Use at any time without notice. Updates or modifications to these Terms of Use will be effective upon posting of the updated version on the Site. The latest version of the Terms of Use is always available by clicking on the link at the bottom of the Site. By continuing to access or use the Services after the date of any change, you agree to be bound by the terms contained in the most recent version of these Terms of Use. Bull Financial Technology and its subsidiaries reserve the right to modify or cancel the Services or terminate your access to the Site, in whole or in part, at any time, without prior notice to its users. We recommend that you consult them frequently to stay updated on these provisions.

Trademarks, Copyrights, and Restrictions on Use

All trademarks, service marks, trade names, trade dress, and intellectual property rights relating to the Products or Services reflected on the Website are the property of Bull Financial Technology or our licensors or licenses. You are prohibited from using, reproducing, or displaying any of Bull Financial Technology’s trademarks without the prior written consent of Bull Financial Technology and/or its subsidiaries.

The Site and all of its contents, features, and functionality (including, but not limited to, all web pages, user interfaces, information, design, software, source code, text, displays, graphics, images, videos, and audio recordings, as well as their design, selection, and arrangement) are owned, controlled, or licensed by Bull Financial Technology and/or its subsidiaries. United States and international copyright, trademark, patent, trade secret, and other intellectual property laws protect them.

Except as expressly provided in these Terms of Use, you may not copy, display, distribute, transmit, transfer, link to, reproduce, license, frame, modify, create derivative works from, reverse engineer, or republish all or any part of the Site for commercial or public purposes without the prior written consent of Bull Financial Technology and/or its subsidiaries. However, you may view information available on the Site for informational purposes only. You may download materials from the Site, except for software or source code, for your personal or internal business use. You may download software or source code that Bull Financial Technology and/or its subsidiaries expressly make available for download, subject to the applicable terms of use. You acknowledge and agree that you do not acquire any ownership rights of any kind by downloading materials from the Site.

Your use of the Services, including the Site, imposes on you an obligation of appropriate use and conduct, including, but not limited to, not causing an unreasonable or disproportionately large processing burden, restricting or inhibiting other users’ use of the Services, and introducing or transmitting viruses, worms, Trojan horses, or other material that could damage or disrupt the Services or systems. Unauthorized use, misuse of passwords, or any misuse of information or material posted on this Site is strictly prohibited.

You may only use the Services, including the Site, for lawful purposes and agree not to use them in any manner that violates any applicable federal, state, local, or international laws or regulations.

Claims of Copyright Infringement

If you believe in good faith that any material available on the Site infringes your copyright, you (or your agent) may send a notice to Bull Financial Technology and/or its subsidiaries requesting that we remove such material or block access to it. Suppose you believe in good faith that someone has wrongly filed a notice of copyright infringement against you. For more information, please visit the U.S. Copyright Office website.

Registration Information

You are invited to register on the Site to allow us to tailor the Services to your personal and business needs, as well as to inform you about other products and services. By registering, you agree to provide true, accurate, current, and complete information about yourself or your business as prompted by the registration forms. As part of the service, a profile may be created based on the information you provide.

Privacy

Use of the Site or Services is subject to the applicable privacy policies and notices of Bull Financial Technology and/or its subsidiaries, including but not limited to the U.S. Consumer Privacy Notice of Bull Financial Technology and/or its subsidiaries and the Digital Privacy and Cookie Policy of Bull Financial Technology and/or its subsidiaries.

To the extent permitted by applicable law, by accessing or using the Site or Services, you understand and agree that Bull Financial Technology and/or its subsidiaries may collect and retain personal information or other information about you or the device you use, and share it with our service providers in accordance with the law and our privacy notices.

By using the Site, you consent to Bull Financial Technology‘s and/or its subsidiaries’ use of analytical and monitoring tools that may collect information about your interaction, including behaviors such as keyboard patterns and mouse movements. These interactions may be collected through cookies and technical files. The data is used for monitoring, fraud prevention, service improvement, and other lawful purposes. Any conversations you have with us via Chat or a virtual assistant can be monitored, recorded, and stored without the need for additional notices.

By using this Site, you agree to the privacy policies published by Bull Financial Technology and/or its subsidiaries.

Chat

Bull Financial Technology and/or its subsidiaries may make available to you an interactive online chat service (“Chat”). Bull Financial Technology and/or its subsidiaries do not warrant that the Chat service will always be available or free from faults or errors. If you are under 13 and are invited to use the Chat, you must not use it and must leave the Site. While using Chat, you may interact with a bot or virtual assistant (“Chatbot”). Bull Financial Technology and/or its subsidiaries will report on your use as required by law. Conversations can be monitored and stored.

The Chat is provided as a convenience tool only. Its use does not constitute acceptance of records or electronic signatures as substitutes for written documents. Any personal information shared through the Chat will be subject to the applicable privacy policies.

You will not use the Chat to send abusive, defamatory, dishonest, or obscene messages. Doing so may result in termination of the session.

Access Codes

In connection with online applications for specific products or services offered by Bull Financial Technology and/or its subsidiaries, and other features of the Site, we may send you a one-time access code or other token. This code is intended for your personal use only, and you should not share it with any third party.

Investment and Insurance Products:

The FDIC or any federal government agency does not insure them. 

They are not a deposit or an obligation of the Entity or its affiliates, nor do they guarantee the Entity or its affiliates. 

They are subject to investment risks, including the possible loss of invested capital.

Disclaimer and Limitation of Liability

THE SERVICES, INCLUDING THE SITE, ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE,” AND “WHERE AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THIS DOES NOT AFFECT WARRANTIES THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW.

YOU ACKNOWLEDGE THAT BULL FINANCIAL TECHNOLOGY AND/OR ITS SUBSIDIARIES, AS WELL AS THEIR EMPLOYEES OR THIRD-PARTY PROVIDERS, DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, NOR DO THEY GUARANTEE THE SPECIFIC RESULTS, COMPLETENESS, ACCURACY, OR RELIABILITY OF THE INFORMATION OR PRODUCTS AVAILABLE.

TO THE FULLEST EXTENT PERMITTED BY LAW, BULL FINANCIAL TECHNOLOGY AND/OR ITS SUBSIDIARIES SHALL NOT BE LIABLE FOR ANY LOSS, PROPERTY DAMAGE, INJURY, OR ECONOMIC, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICES OR THE SITE.

Links to Third-Party Sites or Content

The Site may contain links to third-party websites (not affiliated with Bull Financial Technology or its subsidiaries). Bull Financial Technology and/or its subsidiaries disclaim all responsibility for the content, products, privacy, or security policies of third-party websites. If you choose to use the services available on a linked site, you agree to read and abide by the applicable policies and terms of use. In addition, any advice, opinions, services, products, or recommendations from third-party vendors are the sole responsibility of such vendors and not of Bull Financial Technology and/or its subsidiaries. Your participation in linked sites, including payments and delivery of goods or services, is based solely on the relationship between you and the applicable provider.

Indemnity

You agree to defend, indemnify, and hold harmless Bull Financial Technology and/or its subsidiaries and successors, including directors, employees, agents, and successors, from and against any claims, damages, or expenses resulting from violations of these Terms of Use or misuse of the Site or Services.

Applicability and Governing Law

These Terms of Use constitute a contract between you and Bull Financial Technology and/or its subsidiaries, governed by the laws of the State of Florida, United States, excluding its conflict of law principles. If any provision is found to be unenforceable, the remainder shall remain in effect, and the provision shall be replaced with a provision that is valid and more reflective of the original intent. These Terms are subject to other agreements you may have with Bull Financial Technology and/or its subsidiaries.

The Site is hosted in the United States. If you access from another country, you may be subject to different laws, including data protection laws. By using the Site, you consent to the transfer of your personal information to the United States and the application of U.S. laws where permitted.

Feedback

You agree that any suggestions, comments, and Feedback you submit through the Site regarding the products and services of Bull Financial Technology and/or its subsidiaries (“Feedback”) will be considered non-confidential, except where specifically agreed otherwise or required by law. Bull Financial Technology and/or its subsidiaries may use such Feedback without restriction, including ideas about new products or improvements, concepts, techniques, etc.

Miscellaneous

You understand that to use the Site properly, your browser must allow plug-ins such as JavaScript.

In the event of a conflict between these Terms and the Online Access Agreement, the Online Access Agreement shall prevail.

Last updated: October 1st, 2025