Terms of Use

Effective date: July 21, 2026

These Terms of Use (“Terms”) govern your access to and use of the websites, applications, and other digital services made available by Chapin Holdings, LLC (“Chapin Holdings,” “we,” “us,” “our”), together with any content, features, or products we offer (collectively, the “Services”). By accessing or using the Services, you agree to these Terms. If you do not agree, please do not use the Services.

Who we are

Chapin Holdings is a private holding company. Our activities may include investments, the development and publication of software applications, and other business operations. These Terms apply across all of our Services unless a specific product or agreement states otherwise. Where a particular application, offering, or engagement has its own supplemental terms, those supplemental terms control for that offering to the extent of any conflict.

Informational purposes; no advice

Unless expressly stated in a separate written agreement, the Services and their content are provided for general informational purposes only. Nothing in the Services constitutes an offer to sell, or a solicitation of an offer to buy, any security or investment product, and nothing in the Services constitutes investment, legal, accounting, tax, or other professional advice. You should obtain your own professional advice before acting on any information.

Permitted use

You agree to use the Services only for lawful purposes and in accordance with these Terms. You agree not to:

• use the Services in any way that violates applicable law or regulation;
• attempt to gain unauthorized access to any part of the Services, other accounts, or our systems or networks;
• interfere with or disrupt the integrity or performance of the Services;
• reverse engineer, decompile, or attempt to derive the source code of any software we provide, except to the extent permitted by law; or
• copy, reproduce, distribute, or create derivative works from the Services except as expressly permitted.

Applications and app stores

Software applications we publish may be distributed through third-party platforms and app stores, and your use of those applications may also be subject to the terms and policies of the applicable platform. Any purchases, subscriptions, or in-app transactions are processed by the applicable app store or platform, not by us.

Intellectual property

The Services, including their text, graphics, logos, software, and design, are owned by Chapin Holdings or its licensors and are protected by applicable intellectual property laws. Except as expressly permitted, you may not use our names, logos, or content without our prior written permission. Any rights not expressly granted are reserved.

Third-party content and links

The Services may reference or link to third-party websites, resources, or content that we do not control. We provide these for convenience only and are not responsible for third-party content, products, or practices. Your dealings with third parties are solely between you and them.

Disclaimer of warranties

The Services and their content are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, secure, or free of harmful components, and we do not guarantee the accuracy, completeness, or timeliness of any content.

Limitation of liability

To the fullest extent permitted by law, Chapin Holdings and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or relating to your use of, or inability to use, the Services. Our total liability for any claim relating to the Services will not exceed the amount you paid us, if any, for the specific Service giving rise to the claim.

Indemnification

You agree to indemnify and hold harmless Chapin Holdings and its affiliates from any claims, liabilities, damages, and expenses arising out of your misuse of the Services or your violation of these Terms or applicable law.

Changes to the Services and these Terms

We may modify, suspend, or discontinue any part of the Services at any time. We may also update these Terms from time to time; the updated version will be posted on this page with a revised effective date, and your continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

Governing law

These Terms are governed by the laws of the State of Washington, without regard to its conflict-of-laws principles. Any dispute will be subject to the exclusive jurisdiction of the state and federal courts located in Washington, unless otherwise required by applicable law.

Contact

Questions about these Terms? Contact us.