Terms of Service

01 Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Corebridgt LLC ("Corebridgt," "we," "us," or "our"), a registered investment advisor with the U.S. Securities and Exchange Commission (SEC), with principal offices at 1270 Avenue of the Americas, Suite 3600, New York, NY 10020.

By accessing or using the Corebridgt website (www.corebridgt.com), mobile application, investment platform, or any of our wealth management services (collectively, the "Services"), or by clicking "I Agree," "Accept," or "Create Account," you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

These Terms are effective as of June 25, 2026, and supersede all prior agreements between you and Corebridgt relating to your use of the Services.

02 Eligibility

To be eligible to use our Services, you must satisfy all of the following requirements at all times:

• Be at least 18 years of age, or the age of majority in your jurisdiction if higher;
• Have the legal capacity and authority to enter into binding contracts;
• Not be a resident of, or located in, any country subject to comprehensive U.S. economic sanctions, including but not limited to Cuba, Iran, North Korea, Russia, Syria, or the Crimea region;
• Not be listed on any U.S. government list of prohibited or restricted parties, including the OFAC Specially Designated Nationals list;
• Provide accurate, current, and complete information during registration and maintain the accuracy of such information;
• Comply with all applicable local, state, national, and international laws and regulations in connection with your use of the Services.

We reserve the right to verify your eligibility at any time and to suspend or terminate your account if we determine that you do not meet these requirements. Use of the Services on behalf of a legal entity is permitted only by duly authorised representatives of that entity, who accept these Terms on the entity's behalf.

03 Account Registration

3.1 Creating Your Account

To access the full features of our Services, you must create an account by providing your legal first and last name, country of residence, a valid email address, and a secure password. You may also be required to complete identity verification (Know Your Customer / Anti-Money Laundering procedures) before we activate investment features on your account.

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials, including your password. You must immediately notify us at security@corebridgt.com of any unauthorised use of your account or any other security breach. We will not be liable for any loss or damage arising from your failure to comply with these security obligations.

3.3 One Account Per Person

Each individual may maintain only one personal account with Corebridgt. Creating multiple accounts to circumvent restrictions, promotional limits, or regulatory requirements is strictly prohibited and will result in immediate termination of all associated accounts.

3.4 Referral Codes

Referral codes may be entered at the time of account registration. Valid referral codes entitle the new account holder to benefits as described in our current Referral Programme terms, which are subject to change. Referral codes may not be combined with other promotions unless expressly stated. Fraudulent generation or misuse of referral codes is a violation of these Terms.

3.5 KYC / AML Compliance

We are required by law to verify the identity of all clients before allowing investment activities. You consent to us conducting identity verification, including checking your information against government and commercial databases, obtaining credit reference agency reports, and requesting supporting documentation (e.g. government-issued ID, proof of address). Failure to complete verification within 30 days of account creation may result in account restrictions or closure.

04 Our Services

Corebridgt provides the following categories of services, subject to the plan you have selected and applicable regulatory requirements:

• Discretionary Portfolio Management: We manage your investment portfolio on a discretionary basis, making buy, sell, and hold decisions within the parameters of your agreed Investment Policy Statement (IPS).
• Financial Planning: Comprehensive analysis of your financial situation and preparation of a written financial plan covering investments, retirement, estate, tax, insurance, and cashflow.
• Retirement Planning: Strategy and management of tax-advantaged retirement accounts including IRA, Roth IRA, SEP-IRA, SIMPLE IRA, and 401(k) rollover accounts.
• Tax Optimisation: Tax-loss harvesting, asset location, Roth conversion strategies, and co-ordination with your tax preparer. We do not prepare tax returns.
• Estate Planning Advisory: Guidance on trust structures, beneficiary designations, and gifting strategies. We do not provide legal advice or draft legal documents.
• ESG & Impact Investing: Construction and management of portfolios incorporating Environmental, Social, and Governance criteria.
• Institutional Advisory: Investment policy, asset allocation, and manager selection services for endowments, foundations, and pension funds.

05 Investment Risk Disclosure

By using our Services, you acknowledge and accept the following investment risks:

• Market Risk: The value of investments can decline due to economic, political, or market conditions beyond our control;
• Liquidity Risk: Certain investments may be difficult to sell quickly at a fair price;
• Concentration Risk: Portfolios concentrated in particular sectors, geographies, or securities may experience higher volatility;
• Currency Risk: Investments in foreign securities are subject to exchange rate fluctuations;
• Inflation Risk: Returns may not keep pace with inflation, reducing real purchasing power;
• Regulatory Risk: Changes in laws, tax regulations, or government policy may adversely affect investment values;
• Credit Risk: Issuers of fixed income securities may default on interest payments or principal repayment;
• Counterparty Risk: The risk that a counterparty to a transaction may default on its obligations.

We encourage you to review our full Risk Disclosure Statement, available on our website and upon request, before committing capital. If you are uncertain whether any investment is appropriate for you, please consult an independent financial adviser.

06 Fiduciary Duty

Our fiduciary obligations include, but are not limited to:

• Providing advice that is suitable for your individual circumstances, financial situation, and investment objectives;
• Disclosing all material conflicts of interest in our Form ADV, which is updated at least annually and available at SEC EDGAR and on our website;
• Not accepting compensation from third parties that would incentivise us to recommend products that are not in your best interest;
• Seeking best execution when placing trades on your behalf;
• Maintaining client confidentiality and protecting your non-public personal information.

Our fee-only compensation model where our revenue derives exclusively from the management fees you pay — is central to eliminating the most common conflicts of interest in financial services. We do not earn commissions, referral fees, or any other form of third-party compensation.

07 Fees & Charges

7.1 Management Fees

Our annual management fee is calculated as a percentage of assets under management (AUM) and varies by plan:

• Starter Plan: 1.25% per annum, billed monthly;
• Professional Plan: 0.95% per annum, billed monthly;
• Elite Plan: 0.65% per annum on the first $500,000; 0.45% on amounts above $500,000; billed monthly. A 10% performance fee applies on net gains above the agreed benchmark, calculated annually.

7.2 Fee Deduction

Fees are deducted directly from your managed account on the first business day of each calendar month, calculated on the prior month-end portfolio value. You authorise us to deduct fees in this manner by accepting these Terms.

7.3 No Hidden Fees

We charge no trading commissions on securities transacted within your managed account, no account opening or closing fees, no transfer fees for incoming assets, and no inactivity fees. Third-party fund expense ratios (where applicable) are separate and disclosed in your portfolio reporting.

7.4 Fee Changes

We may revise our fee schedule upon 60 days' written notice. Your continued use of the Services after the effective date of the fee change constitutes your acceptance. You may close your account without penalty during the notice period if you do not accept the revised fees.

08 Deposits & Withdrawals

8.1 Funding Your Account

You may fund your account by ACH bank transfer, wire transfer, or rollover from an eligible retirement account. We reserve the right to place a hold on incoming funds for up to 5 business days pending clearance. Minimum deposit amounts are set by your elected plan.

8.2 Withdrawal Requests

You may request a withdrawal of funds at any time. Partial withdrawals of up to 25% of your portfolio value are typically processed within 2 business days. Larger withdrawals, or full account liquidations, may require up to 10 business days to allow for orderly liquidation and to minimise market impact. Expedited withdrawal requests for amounts greater than 25% may result in sub-optimal trade execution.

8.3 In-Kind Transfers

You may request an in-kind transfer of securities to another custodian rather than a cash liquidation. In-kind transfers are available for securities that the receiving institution can hold and are subject to the receiving institution's transfer timelines.

8.4 Custodian

Your assets are held at our independent custodian, a Tier 1 globally regulated financial institution, in accounts titled in your name. Corebridgt does not hold, pool, or commingle client assets. Your account is protected by SIPC insurance up to $500,000 (including up to $250,000 in cash) and our custodian carries additional excess SIPC coverage.

09 Prohibited Activities

You agree that you will not, directly or indirectly, use our Services or platform to:

• Engage in any form of market manipulation, insider trading, front-running, or other activity that violates applicable securities laws;
• Launder money, finance terrorism, or conduct any transaction that violates the Bank Secrecy Act, USA PATRIOT Act, or any equivalent legislation in your jurisdiction;
• Circumvent our KYC/AML procedures by providing false or misleading information during account registration or verification;
• Create multiple accounts to exploit promotional offers, referral programmes, or fee waivers;
• Attempt to gain unauthorised access to any part of our platform, systems, or infrastructure;
• Reverse engineer, decompile, or disassemble any software or proprietary algorithm used in connection with our Services;
• Scrape, harvest, or otherwise collect data from our platform using automated means without our express written consent;
• Transmit any malware, ransomware, spyware, or other malicious code through our platform;
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity;
• Use our Services for any purpose that is illegal, fraudulent, deceptive, or harmful to others.

Violation of this section may result in immediate account suspension or termination, forfeiture of any pending benefits, reporting to relevant regulatory or law enforcement authorities, and civil or criminal liability.

10 Intellectual Property

All content, software, algorithms, designs, graphics, trademarks, service marks, trade names, logos, and intellectual property available through our Services (collectively, "IP") are owned by or licensed to Corebridgt and are protected by applicable intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use our platform solely for the purpose of using our Services for personal, non-commercial purposes.

You may not: (i) copy, reproduce, distribute, or create derivative works from our IP without express written consent; (ii) use our trademarks or logos in any manner that implies endorsement or affiliation; (iii) remove or alter any copyright or proprietary notices; or (iv) use our research reports, market analyses, or other content for commercial purposes.

Any feedback, suggestions, or ideas you submit to us may be used by Corebridgt without restriction or compensation to you.

11 Privacy & Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the collection and processing of your data as described in the Privacy Policy.

In summary, we collect personal information to: (i) open and manage your account; (ii) comply with legal and regulatory obligations; (iii) provide and improve our Services; (iv) communicate with you about your account and our Services; and (v) protect against fraud and ensure platform security.

We do not sell, rent, or share your personal data with third parties for their marketing purposes. We share data only with: our custodian and executing broker; regulatory and law enforcement authorities as required by law; our sub-processors who assist in delivering our Services under strict data processing agreements; and professional advisers under confidentiality obligations.

If you are located in the European Economic Area or the United Kingdom, you have rights under the General Data Protection Regulation (GDPR) or UK GDPR, including the right to access, rectify, erase, and port your personal data. To exercise these rights, contact us at privacy@corebridgt.com.

12 Security

We employ industry-standard security measures to protect your account and personal information, including 256-bit AES encryption in transit and at rest, multi-factor authentication (MFA), continuous fraud monitoring, and regular third-party security audits. We are ISO 27001 certified.

Notwithstanding the foregoing, no method of electronic transmission or storage is 100% secure. You acknowledge and accept the residual risk inherent in using digital financial services and agree to:

• Enable multi-factor authentication on your account (strongly recommended);
• Use a unique, strong password that you do not share with any other service;
• Access your account only on trusted devices and networks;
• Log out of your account when using shared or public devices;
• Report any suspicious account activity immediately to security@corebridgt.com.

We will never ask for your password via email, phone, or chat. Any communication claiming to be from Corebridgt and requesting your password or full card/account numbers should be treated as a phishing attempt and reported to us immediately.

13 Limitation of Liability

To the fullest extent permitted by applicable law, Corebridgt, its officers, directors, employees, agents, licensors, and service providers shall not be liable for:

• Any investment losses or decline in portfolio value resulting from market conditions, economic factors, or investment decisions made within the parameters of your agreed Investment Policy Statement;
• Any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, data, goodwill, or other intangible losses, even if we have been advised of the possibility of such damages;
• Any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemics, cyberattacks, government actions, or failures of third-party infrastructure;
• Any loss arising from your own negligence, fraud, or breach of these Terms;
• The acts or omissions of any third-party service providers, including our custodian, executing brokers, or data providers.

Our total aggregate liability to you in connection with these Terms or our Services, regardless of the cause of action, shall not exceed the lesser of: (i) the total management fees paid by you to Corebridgt in the twelve months preceding the event giving rise to the claim; or (ii) USD $100,000.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability shall be limited to the fullest extent permitted by applicable law.

14 Indemnification

You agree to defend, indemnify, and hold harmless Corebridgt and its officers, directors, employees, agents, successors, and assigns from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• Your breach of any provision of these Terms;
• Your violation of any applicable law or regulation;
• Your infringement of any intellectual property or other rights of any third party;
• Any inaccurate, misleading, or fraudulent information you have provided to us;
• Your use of the Services in a manner not authorised by these Terms.

We reserve the right to assume exclusive control of the defence of any matter otherwise subject to indemnification by you, at your expense. You agree to cooperate fully with our defence of such claims.

15 Dispute Resolution

15.1 Informal Resolution

Before initiating any formal dispute resolution proceedings, you agree to contact us at support@corebridgt.com and attempt to resolve the dispute informally. We will endeavour to respond within 10 business days and work in good faith toward an amicable resolution.

15.2 FINRA Arbitration

As a FINRA member firm, certain disputes may be subject to mandatory arbitration under FINRA rules. Any controversy or claim arising out of or relating to our investment advisory services shall be settled by arbitration administered by FINRA in accordance with its Code of Arbitration Procedure. The arbitration shall take place in New York, New York, and judgment on the award may be entered in any court having jurisdiction.

15.3 Class Action Waiver

To the extent permitted by applicable law, you agree that any dispute resolution proceedings will be conducted on an individual basis only, and not as a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.

15.4 Time Limitation

Any claim or cause of action arising from or relating to these Terms or the Services must be filed within one (1) year after the claim or cause of action arose, or it will be permanently barred, notwithstanding any statute of limitations to the contrary.

16 Account Termination

16.1 Termination by You

You may close your account and terminate these Terms at any time by contacting us via live chat, email, or through your account dashboard. Upon request, we will liquidate your holdings and transfer the proceeds, minus any outstanding fees, to your designated bank account within 10 business days. You may alternatively request an in-kind transfer of securities.

16.2 Termination by Us

We may suspend or terminate your account, with or without notice, if:

• You breach any provision of these Terms;
• We are required to do so by applicable law, regulation, or court order;
• We reasonably suspect fraudulent, abusive, or illegal activity on your account;
• You fail to complete required KYC/AML verification;
• Your account balance falls below the required minimum for your plan for more than 90 consecutive days;
• We discontinue the Services or a portion thereof.

16.3 Effect of Termination

Upon termination, all licences granted to you under these Terms will immediately cease. Sections 5, 10, 11, 13, 14, 15, and 18 shall survive termination of these Terms. Any outstanding fees due at the time of termination remain payable.

17 Amendments to These Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by email to the address associated with your account and by posting a notice on our website at least 30 days before the changes take effect. Non-material changes (such as clarifications, corrections to typographical errors, or changes required by law or regulation) may take effect immediately upon posting.

Your continued use of the Services after the effective date of any amendments constitutes your acceptance of the revised Terms. If you do not agree to the amended Terms, you must close your account before the effective date of the changes. The current version of these Terms will always be available at www.corebridgt.com/terms.

We maintain a version history of these Terms. If you would like to review a prior version, please contact us at support@corebridgt.com.

18 Contact & Governing Law

18.1 Governing Law

These Terms and any disputes arising out of or relating to them shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of laws provisions. You consent to the exclusive jurisdiction of the state and federal courts located in New York County, New York, for any disputes not subject to arbitration.

18.2 Regulatory Information

Corebridgt LLC is registered with the U.S. Securities and Exchange Commission as an investment adviser. Registration does not imply a certain level of skill or training. Our Form ADV Parts 1, 2A, and 2B are available at no charge upon request or via the SEC's IAPD database. Our UK subsidiary is authorised and regulated by the Financial Conduct Authority (FCA Reference Number: 123456). Our Singapore subsidiary holds a Capital Markets Services licence from the Monetary Authority of Singapore.

18.3 Entire Agreement

These Terms, together with our Privacy Policy, Risk Disclosure Statement, Form ADV, and your individual Investment Policy Statement, constitute the entire agreement between you and Corebridgt with respect to the subject matter hereof and supersede all prior and contemporaneous agreements, representations, and understandings, whether written or oral.

18.4 Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions of these Terms shall remain in full force and effect.

18.5 Contact Us

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