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Terms of Service

Last Updated: November 17, 2025

1. Acceptance of Terms

By accessing or using LittleShares ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service. These Terms constitute a legally binding agreement between you and LittleShares. Your use of the Service indicates your acceptance of these Terms and your agreement to comply with all applicable laws and regulations.

2. Description of Service

LittleShares is a platform that enables users to gift stocks and bonds to children through custodial accounts. Our Service allows parents and guardians to create profiles for children, build stock wish lists, and receive contributions from family and friends. LittleShares facilitates the purchase of securities through our partner broker-dealer and manages custodial accounts in accordance with applicable securities laws. The Service is designed for long-term investing and is not intended for active trading. All investments are subject to market risks, and LittleShares does not provide investment advice or recommendations.

3. User Accounts and Registration

To use certain features of the Service, you must create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:

  • Provide accurate and complete information during registration
  • Update your account information promptly when it changes
  • Maintain the security of your password and account
  • Notify us immediately of any unauthorized use of your account
  • Be at least 18 years old to create an account
  • Comply with all applicable laws and regulations

4. Financial Services and Investment Risks

Important Investment Disclaimers: All investments carry risk, including the potential loss of principal. The value of securities can fluctuate, and past performance does not guarantee future results. Market conditions, economic factors, and company-specific events can cause investments to lose value. LittleShares does not provide investment advice, recommendations, or guarantees about investment performance. You should carefully consider your investment objectives, risk tolerance, and financial situation before making any investment decisions. Securities are not FDIC insured, not bank guaranteed, and may lose value. For more detailed information about investment risks, please review our Risk Disclosures.

5. User Conduct and Prohibited Activities

You agree not to engage in any of the following prohibited activities:

  • Violate any applicable laws, regulations, or securities rules
  • Use the Service for any fraudulent, illegal, or unauthorized purpose
  • Attempt to gain unauthorized access to the Service or other users' accounts
  • Interfere with or disrupt the Service or servers connected to the Service
  • Transmit any viruses, malware, or harmful code
  • Impersonate any person or entity or misrepresent your affiliation
  • Use the Service to engage in market manipulation or insider trading
  • Harvest or collect information about other users without their consent
  • Use automated systems to access the Service without permission

6. Fees and Payments

LittleShares charges a subscription fee for access to the Service. Current pricing is available on our Pricing page. Subscription fees are billed annually in advance. All fees are non-refundable except as required by law. You authorize us to charge your payment method for all fees associated with your account. If payment fails, we may suspend or terminate your access to the Service. We reserve the right to change our fees at any time, with notice provided to existing subscribers. Additional fees may apply for certain transactions or services. All fees are subject to applicable taxes, which you are responsible for paying.

7. Intellectual Property

The Service, including all content, features, functionality, trademarks, logos, and software, is owned by LittleShares and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent. You retain ownership of any content you submit to the Service, but by submitting content, you grant LittleShares a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display such content for the purpose of providing and improving the Service. You represent that you have the right to grant this license for all content you submit.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LITTLESHARES AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE MONTHS PRECEDING THE CLAIM. LITTLESHARES IS NOT LIABLE FOR ANY INVESTMENT LOSSES, MARKET FLUCTUATIONS, OR DECISIONS MADE BASED ON INFORMATION PROVIDED THROUGH THE SERVICE. THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

9. Termination

You may terminate your account at any time by contacting us or using the account deletion features in your account settings. We reserve the right to suspend or terminate your account immediately, without notice, if you violate these Terms, engage in fraudulent activity, or for any other reason we deem necessary. Upon termination, your right to use the Service will immediately cease. However, termination does not affect custodial accounts or investments, which will remain subject to applicable securities laws and regulations. We may retain certain information as required by law or for legitimate business purposes, including compliance with financial regulations and record-keeping requirements.

10. Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law. Arbitration will be conducted in the state where LittleShares is headquartered, and you waive any right to a jury trial. Class action lawsuits and class-wide arbitrations are not permitted. These Terms are governed by the laws of the state where LittleShares is incorporated, without regard to conflict of law principles. If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated to you via email or through a prominent notice on the Service. Your continued use of the Service after such modifications constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you must stop using the Service and may terminate your account. We encourage you to review these Terms periodically to stay informed of any updates. The "Last Updated" date at the top of this page indicates when these Terms were last revised.

12. Contact Information

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

Email: legal@littleshares.com
Support: Contact Us
Mail: LittleShares Legal Department
         P.O. Box [Address]
         [City, State ZIP Code]