1. Acceptance of Terms

By accessing and using the services provided by Efficiency ("we," "us," or "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Efficiency provides investor relations, capital markets, and transfer agent services, including but not limited to:

• Transfer agent services and shareholder record keeping
• Securities transaction processing and certificate management
• Dividend distribution and corporate actions coordination
• Investor relations management and communication
• Capital markets advisory services
• Financial technology solutions
• Regulatory compliance support
• Market analysis and reporting
• Proxy voting and shareholder communications

3. User Eligibility

You must be at least 18 years old to use our services. By using our services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these terms.

4. Account Registration and Security

When you create an account with us, you must provide accurate, complete, and current information. You are responsible for safeguarding your account credentials and for all activities that occur under your account.

5. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of our services, to understand our practices regarding the collection and use of your information.

6. Transfer Agent Services

As a registered transfer agent, Efficiency provides essential services for companies issuing securities, including:

• Record Keeping: Maintaining accurate master shareholder registers and ownership records
• Transaction Processing: Handling the mechanics of securities transfers, purchases, and sales
• Certificate Management: Issuing, replacing, and managing physical stock certificates
• Dividend Distribution: Calculating and distributing dividend payments to shareholders
• Corporate Actions: Coordinating mergers, acquisitions, stock splits, and other corporate events
• Regulatory Compliance: Ensuring adherence to SEC and other regulatory requirements
• Shareholder Communications: Managing proxy voting and investor communications

Our transfer agent services are designed to modernize traditional processes, eliminating the need for medallion guarantees and providing faster, more efficient transaction processing.

7. Financial Services Disclaimer

Our services are for informational and advisory purposes only. We do not provide investment advice, and any information provided should not be considered as such. Investment decisions should be made in consultation with qualified financial advisors.

8. Intellectual Property Rights

The content, features, and functionality of our services are owned by Efficiency and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

9. Prohibited Uses

You may not use our services:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code

10. Limitation of Liability

In no event shall Efficiency, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our services.

11. Indemnification

You agree to defend, indemnify, and hold harmless Efficiency and its affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses arising from your use of our services.

12. Termination

We may terminate or suspend your account and bar access to our services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

13. Governing Law

These Terms shall be interpreted and governed by the laws of the State of California, without regard to its conflict of law provisions.

14. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

15. Contact Information

If you have any questions about these Terms and Conditions, please contact us at:

• Email: info@useefficiency.com
• Phone: (415) 340-6708
• Address: 415 Mission St, San Francisco, CA

16. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

17. Entire Agreement

These Terms constitute the entire agreement between you and Efficiency regarding the use of our services, superseding any prior agreements between you and Efficiency relating to your use of our services.