Terms and Conditions U.S. Capital Management · Effective Date: July 5, 2026 These Terms and Conditions ("Terms") govern your access to and use of the platform, website, and related services (collectively, the "Services") provided by U.S. Capital Management ("we," "us," or "our"). By accessing or using the Services, or by opting in to receive communications from us, you agree to be bound by these Terms. If you do not agree, please do not use the Services. 1. Use of the Services You agree to use the Services only for lawful purposes and in accordance with these Terms. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. 2. Eligibility You must be at least 18 years of age and capable of forming a binding contract to use the Services. 3. SMS/Text Messaging Terms By providing your mobile phone number and opting in, you consent to receive SMS/text messages from U.S. Capital Management. The following terms app