RALLIES USE AND RISK DISCLOSURES

Effective Date: January 15, 2026

IMPORTANT: PLEASE READ THIS DOCUMENT CAREFULLY. IT CONTAINS IMPORTANT INFORMATION ABOUT THE NATURE OF RALLIES.AI'S SERVICES AND THE RISKS ASSOCIATED WITH INVESTING IN SECURITIES.

1. NATURE OF OUR SERVICES

1.1 Educational and Informational Platform

Rallies.ai is an investment research and educational platform operated by Blotter Inc., a Delaware corporation, in partnership with WOLF Financial, LLC. The Platform provides tools and information to help you research securities, track market data, and learn about investing. Our services are designed to be educational and informational in nature.

1.2 We Are NOT an Investment Advisor

Rallies.ai and Blotter Inc. are NOT registered as investment advisers with the Securities and Exchange Commission (SEC) or any state securities regulatory authority. We do not hold ourselves out as investment advisors and do not provide personalized investment advice.

We operate under the publisher's exclusion from the definition of "investment adviser" set forth in Section 202(a)(11)(D) of the Investment Advisers Act of 1940, as interpreted by the U.S. Supreme Court in Lowe v. SEC (1985). As a publisher of bona fide investment research and educational content of general and regular circulation, we provide information that is general and impersonal in nature, available equally to all users.

1.3 We Are NOT a Broker-Dealer

Rallies.ai is NOT a broker-dealer registered with the SEC or a member of the Financial Industry Regulatory Authority (FINRA). We do not execute trades, hold customer funds or securities, or provide brokerage services. We cannot buy, sell, or hold securities on your behalf.Rallies.ai and Blotter Inc. are NOT registered as investment advisers with the Securities and Exchange Commission (SEC) or any state securities regulatory authority. We do not hold ourselves out as investment advisors and do not provide personalized investment advice.

1.4 No Fiduciary Relationship

Use of the Platform does not create a fiduciary relationship between you and Rallies.ai, Blotter Inc., or WOLF Financial, LLC. We have no fiduciary duty to you, and you should not interpret any information we provide as being given with your specific financial interests in mind.

2. NOT PERSONALIZED INVESTMENT ADVICE

THE INFORMATION PROVIDED THROUGH THE PLATFORM, INCLUDING AI CHAT RESPONSES, DATA DISPLAYS, ANALYTICS, NEWS, AND ANY OTHER CONTENT, IS FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. IT IS NOT PERSONALIZED INVESTMENT ADVICE.

We do not know:

Your individual financial situation, income, assets, liabilities, or net worth
Your investment objectives or goals
Your risk tolerance or capacity to absorb losses
Your investment time horizon
Your tax situation or the tax implications of any investment
Your overall financial plan or how any investment would fit within it

Because we do not know these things about you, we cannot provide and do not provide personalized investment advice. Any information we provide should be considered general in nature and should not be relied upon as the basis for any investment decision.

3. YOUR RESPONSIBILITY

ALL INVESTMENT DECISIONS ARE YOUR OWN RESPONSIBILITY.

You are solely responsible for determining whether any investment is appropriate for you
You should consult with qualified financial, tax, and legal professionals
You should independently verify all information before relying on it
You should carefully consider all risks before investing

4. GENERAL INVESTMENT RISKS

ALL INVESTMENTS INVOLVE RISK. YOU MAY LOSE SOME OR ALL OF YOUR INVESTED CAPITAL.

4.1 Market Risk

The value of securities fluctuates based on market conditions, economic factors, interest rates, political events, and other factors beyond your control. Markets can be volatile, and prices can change rapidly.

4.2 Company-Specific Risk

Individual securities are subject to risks specific to the issuing company, including management decisions, competitive pressures, financial performance, legal issues, and bankruptcy. A company's stock can lose significant value or become worthless.

4.3 Liquidity Risk

Some securities may be difficult to sell quickly at a fair price. You may not be able to exit a position when desired.

4.4 Concentration Risk

Investing heavily in a single security, sector, or asset class increases your exposure to specific risks. Diversification does not guarantee profit or protect against loss.

4.5 Past Performance

PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. Historical returns do not guarantee future performance. Investment returns can vary significantly over time.

5. AI AND TECHNOLOGY RISKS

5.1 AI Limitations

Our AI features, powered by OpenAI, have inherent limitations:

Hallucination Risk: AI may produce inaccurate, incomplete, or misleading information. AI may generate plausible-sounding but factually incorrect content.
Knowledge Cutoff: AI has a training cutoff date and may not reflect recent events
No Learning from You: AI does not learn from your conversations or adapt to your situation
Bias Risk: AI models may reflect biases present in training data
Variability: The same question may produce different responses at different times

AI responses should not be relied upon without independent verification.

5.2 Model and Algorithmic Risks

Models are trained on historical data and may not account for novel situations
AI cannot replace nuanced human judgment for complex decisions
Financial AI models may become outdated quickly as market conditions change

5.3 Data Accuracy

Financial data displayed on the Platform is obtained from third-party sources (including Polygon/Massive) and may be:

Delayed (typically 15 minutes or more)
Inaccurate or incomplete
Subject to technical failures

We do not guarantee the accuracy of any data. You should verify all information from official sources.

5.4 Technical Failures

The Platform may experience technical failures, downtime, errors, or security breaches. We are not responsible for losses arising from Platform unavailability or technical issues.

6. NO GUARANTEES

We do not guarantee that:

Any information on the Platform is accurate, complete, or current
Any particular investment outcome or return will occur
Following any information or analysis will result in profits
The Platform will be available at all times or function without error
Your data will be protected against all cyber threats

7. SEEK PROFESSIONAL ADVICE

BEFORE MAKING ANY INVESTMENT DECISION, CONSULT WITH QUALIFIED PROFESSIONALS:

Financial Advisor: A registered investment advisor can provide personalized advice
Tax Professional: A CPA or tax attorney can advise on tax implications
Legal Counsel: An attorney can advise on legal matters

8. ACKNOWLEDGMENT

By using the Platform, you acknowledge that you have read and understood these Use and Risk Disclosures. You agree that:

You understand Rallies.ai is NOT an investment advisor, broker-dealer, or fiduciary
Information on the Platform is for general educational purposes only
All investment decisions are YOUR responsibility
Investing involves risk, including potential loss of principal
AI technology has limitations and may produce errors
You will not hold Rallies.ai liable for investment losses

9. CONTACT INFORMATION

For questions about these Terms, contact us at:

Blotter Inc.

doing business as Rallies.ai

Email: legal@rallies.ai

Website: https://rallies.ai

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© Copyright 2026 Blotter Inc. All Rights Reserved.
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All investments involve the risk of loss and the past performance of a security does not guarantee future results or returns. This material is not intended as a recommendation, offer, or solicitation to purchase or sell securities, open a brokerage account, or engage in any investment strategy. Any reference to securities on this website is for informational and illustrative purposes only, and should not be construed as investment or tax advice.
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BLOTTER INC.
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General. Rallies.ai is an investment research and educational platform operated by Blotter Inc., a Delaware corporation, in partnership with WOLF Financial, LLC. Blotter Inc. is NOT a registered investment adviser with the Securities and Exchange Commission (SEC) or any state securities regulatory authority. Blotter Inc. is NOT a registered broker-dealer or member of FINRA/SIPC. We do not provide personalized investment advice, execute trades, hold customer funds or securities, or provide brokerage services.
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Not Investment Advice. All information, data, analysis, and content provided through Rallies.ai is for general informational and educational purposes only. Nothing on this platform constitutes, or should be construed as, personalized investment advice, a recommendation to buy, sell, or hold any security, or an offer to provide investment advisory services. You are solely responsible for evaluating the merits and risks of any investment decisions.
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No Fiduciary Relationship. Your use of Rallies.ai does not create an investment advisory, brokerage, or fiduciary relationship between you and Blotter Inc., WOLF Financial, LLC, or any of their affiliates. We do not owe you a fiduciary duty and are not acting in your best interest when providing information through this platform.

AI ASSISTANT
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AI-Powered Features. Rallies.ai uses artificial intelligence technology, including large language models provided by OpenAI, to generate financial information, analysis, and responses to user queries. AI-generated content is provided for informational and educational purposes only and does not constitute investment advice.
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AI Limitations. AI technology has inherent limitations and may produce inaccurate, incomplete, or misleading information. The AI may generate plausible-sounding but factually incorrect content ("hallucinations"). AI responses should not be relied upon without independent verification. The AI does not know your personal financial situation, investment objectives, risk tolerance, or tax circumstances. All AI output is provided "AS IS" without warranties of any kind.
See AI Disclaimer.
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PORTFOLIO CONNECTIVITY
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Snaptrade Integration. Portfolio connectivity services are provided through Snaptrade, a third-party account aggregation service. When you connect your brokerage account, Rallies.ai receives READ-ONLY access to your portfolio information. We CANNOT execute trades, transfer funds, or modify your brokerage account in any way. Rallies.ai does not receive or store your brokerage login credentials. Portfolio data may be delayed and may not reflect real-time account balances or positions. For official account information, refer to your brokerage firm's statements. Your use of Snaptrade is subject to Snaptrade's Terms and Conditions.
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Portfolio Analysis. Any portfolio analytics, metrics, or insights displayed are for informational purposes only and do not constitute personalized investment advice or recommendations to modify your holdings.
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MARKET DATA
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Data Sources. Market data, stock prices, historical data, and financial information are provided by Polygon.io and other third-party data providers. Data may be delayed (typically 15-20 minutes or more) and should not be used for time-sensitive trading decisions. We do not guarantee the accuracy, completeness, timeliness, or reliability of any market data. For official price information, refer to official exchange feeds and your brokerage account. See Data Provider Disclosures.

CONGRESSIONAL TRADING DATA
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STOCK Act Disclosures. Information regarding securities transactions by members of Congress is compiled from publicly available disclosure filings required under the Stop Trading on Congressional Knowledge (STOCK) Act. Transaction reports may be filed up to 45 days after the trade date. Data may contain errors or be incomplete. The display of congressional trading data does NOT constitute a recommendation to purchase or sell any security or endorsement of any investment strategy. Past trading activities of any individual do not predict future market performance.
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GENERAL DISCLOSURES

Past Performance. Past performance of any security, investment strategy, or trading approach does not guarantee future results. Historical data, backtested performance, and simulated results are not indicative of future returns. Investment returns can vary significantly over time.

Risk of Loss. All investments involve risk, including the potential loss of principal. You may lose some or all of your invested capital. The value of securities fluctuates based on market conditions, economic factors, and other variables beyond your control.

Seek Professional Advice. Before making any investment decision, you should consult with qualified financial, tax, and legal professionals who can provide personalized advice based on your specific situation.

Privacy. Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information. California residents: See our Privacy Policy for information about your rights under the California Consumer Privacy Act (CCPA).

View Full Disclosures
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