Yoshi AI Terms of Service

Date of Last Revision: June 25, 2026

As used in these Terms of Service, “Yoshi” means Yoshi AI, Inc. and its in-application and web experiences with its family of wholly owned subsidiaries which includes, but is not limited to, Yoshi Advisory, LLC (“Yoshi Advisory”), Yoshi Brokerage, LLC (“Yoshi Brokerage”), Yoshi Crypto, LLC (“Yoshi Crypto”), Yoshi Money, LLC (“Yoshi Money”), and Yoshi Intro, LLC (“Yoshi Intro”). Certain banking products and services made available through Yoshi Money are provided by one or more third-party Bank Partners and not by Yoshi itself. There may be subsidiaries referred to in these Terms of Service that do not operate in your jurisdiction.

These Terms of Service supplement any other agreements between you and Yoshi Advisory, Yoshi Brokerage, Yoshi Crypto, Yoshi Money, and/or Yoshi Intro, including any customer or account agreements and any other agreements that govern your use of software, products, goods, services, content, tools, and information provided by such Yoshi subsidiary(ies).

USA PATRIOT Act Notice: Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Acceptance of These Terms of Service

The Yoshi website(s) located at https://yoshi.ai/ (the “Site”) and mobile applications and related technologies (“Mobile Apps”, and collectively, such Mobile Apps and the Site, including any updated or new features, functionality and technology, the “Service”) may include or make available certain content (the “Content”). Content includes, without limitation:

1. general news and information, commentary, research reports, educational material and information and data concerning the financial markets, securities and other subjects;
2. market data such as quotations for securities transactions and/or last sale information for completed securities transactions reported in accordance with federal securities regulations;
3. financial and investment interactive tools, such as alerts or calculators;
4. Yoshi names, logos, product and service names, trade names, trademarks and services marks (collectively, “Marks”) owned by Yoshi, and Marks owned by Third-Party Providers (defined below); and
5. any other information, content, services, or software.

All access and use of the Service, including Content, is subject to the terms and conditions contained in these Terms of Service (as amended from time to time, these “Terms of Service”). By accessing, browsing, or otherwise using the Site, Mobile Apps, or any other aspect of the Service, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service. If you do not accept the terms and conditions of these Terms of Service, you will not access, browse, or otherwise use the Service. Customers of Yoshi Advisory, Yoshi Brokerage, Yoshi Intro, Yoshi Crypto, and Yoshi Money are granted additional levels of access to the Site and their relationship with Yoshi is governed by additional agreements and terms of use.

We reserve the right, at our sole discretion, to change or modify portions of these Terms of Service at any time. If we do this, we will post the changes on this page and will indicate at the top of this page the date these Terms of Service were last revised. You may read a current, effective copy of these Terms of Service by visiting the “Terms of Service” link on the Site “Documents” section of our Mobile App. We will also notify you of any material changes, either through the Service user interface, a pop-up notice, email, or through other reasonable means. Your continued use of the Service after the date any such changes become effective constitutes your acceptance of the new Terms of Service. You should periodically visit this page to review the current Terms of Service so you are aware of any revisions. If you do not agree to abide by these or any future Terms of Service, you will not access, browse, or use (or continue to access, browse, or use) the Service.

PLEASE READ THESE TERMS OF SERVICE CAREFULLY, AS THEY CONTAIN AN AGREEMENT TO ARBITRATE AND OTHER IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. THE AGREEMENT TO ARBITRATE REQUIRES (WITH LIMITED EXCEPTION) THAT YOU SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL ARBITRATION, AND FURTHER (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST YOSHI ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, (2) YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS, AND (3) YOU MAY NOT BE ABLE TO HAVE ANY CLAIMS YOU HAVE AGAINST US RESOLVED BY A JURY OR IN A COURT OF LAW.

Your Privacy: At Yoshi, we respect the privacy of our users. For more information please see our Privacy Policy, located at https://yoshi.ai/privacypolicy/ “Documents” section of our Mobile App (the “Privacy Policy”). By using the Service, you consent to our collection, use and disclosure of personal data and other data as outlined therein.

Additional Terms: In addition, when using certain features through the Service, you will be subject to any additional terms applicable to such features that may be posted on or within the Service from time to time. All such terms are hereby incorporated by reference into these Terms of Service.

Banking Program Terms

Yoshi may make available certain banking-related products and services through Yoshi Money and one or more financial institution partners (each, a “Banking Provider”), including deposit accounts, payment services, debit cards, and related banking features (collectively, the “Banking Services”).

By applying for or using any Banking Services provided by a Banking Provider, you signify that you have read, understood, and agree to be bound by the applicable agreements of the Banking Provider for your account. These may include deposit account agreements, cardholder agreements, disclosures, and other terms applicable to the Banking Services (collectively, “Provider Account Agreements”).

Yoshi is not a bank and the Banking Services are provided by the applicable Banking Provider. Yoshi facilitates access to Banking Services through the Service and may provide technology, administrative, and support services in connection with the Banking Services.

Your eligibility for Banking Services will be determined by the applicable Banking Provider. Yoshi and the applicable Banking Provider may deny applications for Banking Services or suspend or terminate access to Banking Services in accordance with the applicable Provider Account Agreements.

Your use of Banking Services is subject to both these Terms of Service and the applicable Provider Account Agreements. In the event of any conflict between these Terms of Service and the applicable Provider Account Agreements with respect to the Banking Services, the Provider Account Agreements shall control.

Access and Use of the Service

Your Registration Obligations

You may be required to register with Yoshi or provide information about yourself (e.g., name and email address) in order to access and use certain features of the Service. If you choose to register for the Service, you agree to provide and maintain true, accurate, current, and complete information about yourself as prompted by the Service’s registration form. Registration data and certain other information about you are governed by our Privacy Policy. The Service is intended to be accessed and used solely by individuals who are 18 years or older. Any access to or use of the Service by anyone under 18 is unauthorized and in violation of these Terms of Service. By accessing and using the Service, you represent and warrant that you are 18 years or older.

Member Account, Password, and Security

You are responsible for maintaining the confidentiality of your password and account details, if any, and are fully responsible for any and all activities that occur under your password or account. You agree to (a) immediately notify Yoshi of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session when accessing the Service. Yoshi and its current and future affiliates including the Yoshi subsidiaries (collectively, “Yoshi Affiliates”) will not be liable for any loss or damage arising from your failure to comply with this paragraph. If you believe that any Yoshi AI Agent (as defined below) authorization, External Agent (as defined below) connection, or other authorization associated with your account has been compromised or is being used without your authorization, you agree to promptly revoke such authorization (where available), secure your account credentials, and notify Yoshi.

Modifications to Service

Yoshi reserves the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that Yoshi and Yoshi Affiliates will not be liable to you or to any third-party for any modification, suspension, or discontinuance of the Service.

General Practices Regarding Use and Storage

You acknowledge that Yoshi may establish general practices and limits concerning use of the Service, including the maximum period of time that data or other content will be retained by the Service and the maximum storage space that will be allotted on Yoshi’s or its third-party service providers’ servers on your behalf. You agree that Yoshi has no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded by the Service. You acknowledge that Yoshi reserves the right to terminate accounts that are inactive for an extended period of time. You further acknowledge that Yoshi reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.

Self-Directed Accounts

Yoshi Brokerage provides self-directed investors with brokerage services. Yoshi Crypto provides self-directed investors with crypto trading. Unless clearly identified in writing to you as an individualized recommendation, Yoshi Brokerage does not make recommendations or offer investment advice of any kind. Yoshi Crypto does not make recommendations or offer trading advice of any kind. As a self-directed investor, you are solely responsible for evaluating the merits and risks associated with the use of any Content provided through the Service before making any decisions based on such Content. You agree not to hold Yoshi liable for any possible claim for damages arising from any self-directed decision you make based on the Content or other information made available to you through the Service. Past performance data should not be construed as indicative of future results.

Managed Accounts (Yoshi Advisory)

Yoshi Advisory provides investment advisory services exclusively to individuals who are or become clients, and solely in connection with such clients’ managed accounts. Your election to become a client of Yoshi Advisory is subject to your explicit enrollment and acceptance of the Yoshi Advisory Agreement, among other agreements. Yoshi Advisory does not make investment recommendations or offer investment advice of any kind to any individual who is not a client, or to any individual for use in a self-directed account.

Authorized Agents

By using the Service, you authorize Yoshi's artificial intelligence agent and workflow functionality (the "Yoshi AI Agent") to act as your agent solely for the limited purpose of transmitting instructions, facilitating communications, coordinating workflows, gathering information, preparing recommendations and proposed actions for your review, and accessing services made available by Yoshi Affiliates and Third-Party Providers at your direction. The Yoshi AI Agent and any External Agent may assist in preparing recommendations or proposed actions for your review but do not independently authorize or execute transactions. You remain responsible for reviewing and affirmatively approving any transaction or other action through the Service before it is executed and you are responsible for all instructions, approvals, authorizations, and other activity initiated through your account or through any Yoshi AI Agent or External Agent acting under your authority. By providing such approval through the Service, you authorize the applicable transaction or action. You acknowledge and agree that Yoshi may rely on instructions submitted through the Service and may take actions consistent with such instructions. You further acknowledge that Yoshi's role in facilitating such instructions and workflows is administrative and operational in nature and does not itself constitute investment advisory services, brokerage services, banking services, or crypto asset services. Any Banking Services made available through the Service, including deposit accounts, payment services, debit cards, ACH services, and wire services, are provided solely by the applicable Banking Provider pursuant to the applicable Provider Account Agreements.

Conditions of Access and Use

User Conduct

You are solely responsible for all code, video, images, information, data, text, software, photographs, graphics, messages, and other materials that you make available to Yoshi, including by uploading, posting, publishing, or displaying (hereinafter, “upload(ing)”) via the Service or by emailing or otherwise making available to other users of the Service (collectively, “User Content”). The following are examples of the kinds of content and/or uses that are illegal or prohibited by Yoshi. Yoshi reserves the right to investigate and take appropriate legal action against anyone who, in Yoshi’s sole discretion, violates this provision, including removing the offending content from the Service, suspending or terminating the account of such violators, and reporting the violator to law enforcement authorities. You agree to not use the Service to:

1. email or otherwise upload any content that (i) infringes any intellectual property or other proprietary rights of any party; (ii) you do not have a right to upload under any law or under contractual or fiduciary relationships; (iii) contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment; (iv) poses or creates a privacy or security risk to any person; (v) constitutes unsolicited or unauthorized advertising, promotional materials, commercial activities and/or sales, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” “contests,” “sweepstakes,” or any other form of solicitation; (vi) is unlawful, harmful, threatening, abusive, harassing, tortious, excessively violent, defamatory, vulgar, obscene, pornographic, libelous, invasive of another’s privacy, hateful, discriminatory, or otherwise objectionable; or (vii) in the sole judgment of Yoshi, is objectionable or which restricts or inhibits any other person from using or enjoying the Service or which may expose Yoshi or its users to any harm or liability of any type;
2. interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies, or regulations of networks connected to the Service;
3. violate any applicable local, state, national, or international law, or any rule, guidance, or regulations having the force of law (“Laws”);
4. impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
5. solicit personal information from anyone under the age of 18;
6. harvest or collect email addresses or other contact information of other users from the Service by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications;
7. advertise or offer to sell or buy any goods or services for any business purpose that is not specifically authorized;
8. further or promote any criminal activity or enterprise or provide instructional information about illegal activities;
9. obtain or attempt to access or otherwise obtain any content or information through any means not intentionally made available or provided for through the Service;
10. circumvent, remove, alter, deactivate, degrade, or thwart any of the content protections in or geographic restrictions on any content (including Service Content (as defined below)) available on or through the Service, including through the use of virtual private networks; or
11. engage in or use any data mining, robots, scraping, or similar data gathering or extraction methods.

If you are blocked by Yoshi from accessing the Service (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking (e.g., by masking your IP address or using a proxy IP address or virtual private network).

Competitors

No employee, independent contractor, agent, or affiliate of any competing entity is permitted to view, access, or use any portion of the Service without express written permission from Yoshi. By viewing, using, or accessing the Service, you represent and warrant that you are not a competitor of Yoshi or any Yoshi Affiliate, or acting on behalf of a competitor of Yoshi or any Yoshi Affiliate in using or accessing the Service.

Commercial Use

Unless otherwise expressly authorized herein or in the Service, you agree not to display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, grant access to, transfer, or otherwise use or exploit any portion of the Service for any commercial purposes. The Service is for your personal use.

Mobile Services and Software

Mobile Services

The Service includes certain services that are available via a mobile device, including (a) the ability to upload content to the Service via a mobile device, (b) the ability to browse the Service and the Site from a mobile device, and (c) the ability to access certain features and content through Mobile Apps (collectively, the “Mobile Services”). To the extent you access the Service through a mobile device, your wireless service carrier’s standard charges, data rates, and other fees may apply. In addition, downloading, installing, or using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices.

Telephonic Communications Services

By using the Service and providing us with your telephone number(s), you are consenting to be contacted by Yoshi or Yoshi Affiliates or their partners by telephone (including on a recorded line), automated calling, automated telephone dialing system calling, automated system calling, artificial voice or pre-recorded calling, text message, SMS and/or MMS message, fax, or other telephonic or electronic means for marketing, solicitation, informational, or another purpose, even if your telephone number(s) is registered on the National Do Not Call List, a state Do Not Call List, or the internal Do Not Call List of Yoshi or Yoshi Affiliates or their partners. You may be required to respond to an initial call or message as instructed to complete your registration and confirm enrollment to receive such calls, texts or other telephonic communications. You do not have to consent to receive calls or text messages from Yoshi or Yoshi Affiliates or their partners for marketing or solicitation purposes to purchase Yoshi’s products or services. In the event you no longer wish to receive such calls, text messages or other telephonic communications, you agree to notify Yoshi or Yoshi Affiliates or their partners, as applicable, directly. In the event you change or deactivate your telephone number, you agree to promptly update your Yoshi account information to ensure that your messages are not sent to a person that acquires your old telephone number.

There is no additional charge for telephonic communications, but your carrier’s standard message and data rates apply to any calls, text messages, SMS or MMS messages you send or receive. Your carrier may prohibit or restrict certain mobile features and certain mobile features may be incompatible with your carrier or mobile device. We are not liable for any delays in the receipt of, or any failures to receive, any calls, text messages, SMS or MMS messages, as delivery is subject to effective transmission by your mobile carrier and compatibility with your mobile device. Please contact your mobile carrier if you have any questions regarding these issues or your mobile data and messaging plan.

By reply to any text, SMS, or MMS message you receive from us, you may text “STOP” to cancel or “HELP” for customer support information. If you choose to cancel text, SMS, or MMS messages from us, you agree to receive a final message from us confirming your cancellation.

Mobile App License

Subject to these Terms of Service, Yoshi hereby grants to you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to (a) install the Mobile App on one mobile device and (b) use the Mobile App for your own personal use solely to access and use the Service. For clarity, the foregoing is not intended to prohibit you from installing the Mobile App on another device on which you also agreed to these Terms of Service. Each instance of these Terms of Service that you agree to in connection with downloading a Mobile App grants you the aforementioned rights in connection with the installation and use of the Mobile App on one device.

Ownership; Restrictions

The technology and software underlying the Service or distributed in connection therewith are the property of Yoshi, Yoshi Affiliates, and their licensors (including the Mobile Apps, the “Software”). You agree not to copy, modify, create a derivative work of, reverse engineer, reverse assemble, or otherwise attempt to discover any source code, or sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted herein are reserved by Yoshi.

Special Notice for International Use; Export Controls

Yoshi is headquartered in the United States. Whether inside or outside of the United States, you are solely responsible for ensuring compliance with the Laws of your specific jurisdiction. Software available in connection with the Service and the transmission of applicable data, if any, is subject to United States export controls. No Software may be downloaded from the Service or otherwise exported or re-exported in violation of U.S. export Laws. Downloading, accessing, or using the Software or Services is at your sole risk.

Third-Party Distribution Channels

Yoshi offers Software that may be made available through the Apple App Store, the Google Play Store, or other distribution channels (“Distribution Channels”). If you obtain such Software through a Distribution Channel, you may be subject to additional terms of the Distribution Channel. These Terms of Service are between you and us only, and not with the Distribution Channel. To the extent that you utilize any other third-party products and services in connection with your use of the Service, you agree to comply with all applicable terms of any agreement for such third-party products and services.

Apple-Enabled Software

With respect to Mobile Apps that are made available for your use in connection with an Apple-branded product (the “Apple-Enabled Software”), in addition to the other terms and conditions set forth in these Terms of Service, the following terms and conditions apply:

• Yoshi and you acknowledge that these Terms of Service are concluded between Yoshi and you only, and not with Apple Inc. (“Apple”), and that as between Yoshi and Apple, Yoshi, not Apple, is solely responsible for the Apple-Enabled Software and the content thereof.
• You may not use the Apple-Enabled Software in any manner that is in violation of or inconsistent with the Usage Rules set forth for Apple-Enabled Software in, or otherwise be in conflict with, the Apple Media Services Terms and Conditions.
• Your license to use the Apple-Enabled Software is limited to a non-transferable license to use the Apple-Enabled Software on an iOS product that you own or control, as permitted by the “Usage Rules” set forth in the Apple Media Services Terms and Conditions, except that such Apple-Enabled Software may be accessed and used by other accounts associated with the purchaser via Apple’s Family Sharing or volume purchasing programs.
• Apple has no obligation whatsoever to provide any maintenance or support services with respect to the Apple-Enabled Software.
• Apple is not responsible for any product warranties, whether express or implied by law. In the event of any failure of the Apple-Enabled Software to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the Apple-Enabled Software, if any, to you; and, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Apple-Enabled Software, or any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty, which will be Yoshi’s sole responsibility, to the extent it cannot be disclaimed under applicable law.
• Yoshi and you acknowledge that Yoshi, not Apple, is responsible for addressing any claims of you or any third-party relating to the Apple-Enabled Software or your possession and/or use of that Apple-Enabled Software, including: (a) product liability claims; (b) any claim that the Apple-Enabled Software fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection, privacy, or similar legislation.
• In the event of any third-party claim that the Apple-Enabled Software or your possession and use of that Apple-Enabled Software infringes that third-party’s intellectual property rights, as between Yoshi and Apple, Yoshi, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.
• You represent and warrant that (a) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.
• If you have any questions, complaints, or claims with respect to the Apple-Enabled Software, they should be directed to Yoshi as follows:
  Contact us via the Support feature in the App
  Telephone: (888) 315-8151
  Mail: 9450 SW Gemini Dr., PMB 972908, Beaverton, Oregon 97008.
• You must comply with applicable third-party terms of agreement when using the Apple-Enabled Software, e.g., your wireless data service agreement.
• Yoshi and you acknowledge and agree that Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms of Service with respect to the Apple-Enabled Software, and that, upon your acceptance of the terms and conditions of these Terms of Service, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms of Service against you with respect to the Apple-Enabled Software as a third-party beneficiary thereof.

Google-Sourced Software

The following applies to any Mobile App you download from the Google Play Store (“Google-Sourced Software”): (a) you acknowledge that these Terms of Service are between you and Yoshi only, and not with Google, Inc. (“Google”); (b) your use of Google-Sourced Software must comply with Google’s then-current Google Play Terms of Service; (c) Google is only a provider of Google Play where you obtained the Google-Sourced Software; (d) Yoshi, and not Google, is solely responsible for Yoshi’s Google-Sourced Software; (e) Google has no obligation or liability to you with respect to Google-Sourced Software or these Terms of Service; and (f) you acknowledge and agree that Google is a third-party beneficiary to these Terms of Service as it relates to Yoshi’s Google-Sourced Software.

Open Source Software

The Software may contain or be provided together with open source software. Each item of open source software is subject to its own license terms. If required by any license for particular open source software, Yoshi makes such open source software, and Yoshi’s modifications to that open source software (if any), available by written request to support@yoshi.ai. Copyrights to the open source software are held by the respective copyright holders indicated therein.

Intellectual Property Rights

Service Content

You acknowledge and agree that the Service may contain content or features (“Service Content”) that are protected by copyright, patent, trademark, trade secret, or other proprietary rights and Laws. Except as expressly authorized by Yoshi, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works based on the Service or the Service Content, in whole or in part, except that the foregoing does not apply to your own User Content that you upload to or make available through the Service in accordance with these Terms of Service. Any use of the Service or the Service Content other than as specifically authorized herein is strictly prohibited.

Trademarks

Other Yoshi, product, and service names and logos used and displayed via the Service may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to Yoshi. Nothing in these Terms of Service or the Service should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of Yoshi Marks displayed on the Service without our prior written permission in each instance. All goodwill generated from the use of Yoshi Marks will inure to our exclusive benefit.

Third-Party Material

Under no circumstances will Yoshi or any Yoshi Affiliate be liable in any way for any content or materials of any third parties (including users), including for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any such content. You acknowledge that Yoshi does not pre-screen content, but that Yoshi and its designees will have the right (but not the obligation) in their sole discretion to refuse or remove any content that is available via the Service. Without limiting the foregoing, Yoshi and its designees will have the right to remove any content that violates these Terms of Service or is deemed by Yoshi, in its sole discretion, to be otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.

User Content

You represent and warrant that you own all right, title, and interest in and to such User Content, including all copyrights and rights of publicity contained therein. You hereby grant Yoshi and Yoshi Affiliates, and their successors and assigns, a non-exclusive, worldwide, royalty-free, fully paid-up, transferable, sublicensable (directly and indirectly through multiple tiers), perpetual, and irrevocable license to copy, display, upload, perform, distribute, store, modify, and otherwise use your User Content, in any form, medium or technology now known or later developed, (a) in connection with the operation of the Service; (b) to provide, develop and improve the Service and other offerings of Yoshi and/or Yoshi Affiliates; and (c) as otherwise set forth in our Privacy Policy. You also agree that Yoshi may remove metadata associated with your User Content and you irrevocably waive any claims and assertions of moral rights or attribution with respect to your User Content. You assume all risk associated with your User Content and the transmission of your User Content and you have sole responsibility for the accuracy, quality, legality, and appropriateness of your User Content.

You hereby authorize Yoshi and Yoshi Affiliates and their third-party service providers to collect and analyze data and information relating to the Service and related systems and technologies and derive statistical and usage data relating thereto (collectively, “Usage Data”). Yoshi and Yoshi Affiliates may use Usage Data for any purpose in accordance with applicable Law and our Privacy Policy.

Any questions, comments, suggestions, ideas, feedback, reviews, or other information about the Service (“Submissions”), provided by you to Yoshi or any Yoshi Affiliate are non-confidential and Yoshi and Yoshi Affiliates will be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment, attribution, or compensation to you.

You acknowledge and agree that Yoshi may preserve User Content and may also disclose User Content if required to do so by Law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process, applicable Law, or government requests; (b) enforce these Terms of Service; (c) respond to claims that any content violates the rights of third parties; or (d) protect the rights, property, or personal safety of Yoshi, its users, or the public. You understand that the technical processing and transmission of the Service, including your User Content, may involve (i) transmissions over various networks; and (ii) changes to conform and adapt to technical requirements of connecting networks or devices.

Third-Party Services and Websites; External Agents

The Service may provide links or other access to services, sites, technology, and resources that are provided or otherwise made available by third parties (the “Third-Party Services”). Your access and use of the Third-Party Services provided by such third parties (“Third-Party Providers”) may also be subject to additional terms and conditions, privacy policies, or other agreements with such third-party, and you may be required to authenticate or create separate accounts to use Third-Party Services on the websites or via the technology platforms of their respective providers. You may authorize a Third-Party Provider, including software applications, third-party artificial intelligence agents or automated systems (“External Agents”), artificial intelligence tools, or automation services, to access or interact with the Service on your behalf. By connecting an External Agent, you authorize Yoshi to permit the External Agent to access and interact with the Service solely on your behalf in accordance with your instructions and the permissions you grant through the Service. You acknowledge and agree that connecting an External Agent may require Yoshi to share information, account data, instructions, and other information necessary for the External Agent to operate, including with the External Agent's developer or provider, and that such information will thereafter be subject to that provider's terms and privacy practices. You are solely responsible for selecting, authorizing, monitoring, supervising, and terminating any Third-Party Services that you choose to connect to the Service. Any such authorization is solely at your direction and risk, and you are solely responsible for the acts, omissions, instructions, decisions, outputs, and other conduct of such Third-Party Provider. Some Third-Party Services will provide us with access to certain information that you have provided to third parties, including through such Third-Party Services, and we will use, store, and disclose such information in accordance with our Privacy Policy. For more information about the implications of activating Third-Party Services and our use, storage, and disclosure of information related to you and your use of such Third-Party Services within the Service, please see our Privacy Policy. Yoshi has no control over and is not responsible for such Third-Party Services (including External Agents), including for the accuracy, availability, reliability, or completeness of information shared by or available through Third-Party Services, or on the privacy practices of Third-Party Services. We encourage you to review the privacy policies of the third parties providing Third-Party Services prior to using such services. You, and not Yoshi or any Yoshi Affiliate, will be responsible for and assume all risks associated with Third-Party Services (including External Agents) and any and all costs and charges associated with your use of any Third-Party Services (including External Services). Yoshi enables these Third-Party Services merely as a convenience and the integration or inclusion of such Third-Party Services does not imply endorsement or recommendation. Any dealings you have with third parties while using the Service are between you and the third-party and you agree to use any External Agent only in accordance with these Terms of Service and any policies or technical requirements established by Yoshi. Yoshi and Yoshi Affiliates will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any Third-Party Services and External Agents. You connect and use External Agents at your own risk.

Method Financial Services Consent

As part of your relationship with us, and to provide you with the services or products you requested, you acknowledge and agree that:

• You authorize Method to obtain a consumer report from one or more consumer reporting agencies ("credit pull"). The credit pull is a soft inquiry that will not impact your credit score;
• You authorize Method to act as your agent and use your personal data to access and obtain Account Data from your financial institutions, service providers, or any of their third parties, and you consent to Method sharing the Account Data with us. Your authorization and consent remains effective for the duration of your business relationship with us for the purpose of providing you with services or products that you may request from us from time to time;
• If the product or service you requested from us includes payment(s) made to your liability account(s) at your other financial institutions or utility companies, you authorize Method to act as your agent and use your personal data to make such payments on your behalf.

You acknowledge and agree to Method's Privacy Policy (https://methodfi.com/legal/privacy) and Terms of Service (https://methodfi.com/legal/terms)

Indemnification

To the extent permitted under applicable Law, you agree to defend, indemnify, and hold harmless Yoshi and Yoshi Affiliates, and its and their respective officers, employees, directors, service providers, licensors, and agents (collectively, the “Yoshi Parties”), from any and all losses, damages, expenses, including reasonable attorneys’ fees, rights, claims, actions of any kind, and injury (including death) arising out of or relating to your use of the Service, any User Content, your connection to the Service, your violation of these Terms of Service, or your violation of any rights of another. Yoshi will provide notice to you of any such claim, suit, or proceeding. Yoshi reserves the right to assume the exclusive defense and control of any matter which is subject to indemnification under this section, and you agree to cooperate with any reasonable requests assisting Yoshi’s defense of such matter. You may not settle or compromise any claim against the Yoshi Parties without Yoshi’s written consent.

Disclaimer of Warranties

YOUR USE OF THE SERVICE AND THE CONTENT IS AT YOUR SOLE RISK. THE SERVICE AND THE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE YOSHI PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

THE YOSHI PARTIES MAKE NO WARRANTY THAT (A) THE SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS; (E) THE SERVICE OR ANY AI-GENERATED OUTPUTS WILL BE ACCURATE, COMPLETE, CURRENT, ERROR-FREE, OR FREE OF BIAS; OR (F) ANY DEFECTS OR ERRORS IN THE SERVICES OR AI OUTPUTS WILL BE CORRECTED.

THE CONTENT IS NOT INTENDED TO PROVIDE FINANCIAL, LEGAL, TAX OR INVESTMENT ADVICE OR RECOMMENDATIONS, UNLESS SPECIFICALLY IDENTIFIED AS AN INDIVIDUALIZED RECOMMENDATION IN WRITING AS PART OF ADVISORY SERVICES RELATIONSHIP BY YOSHI ADVISORY.

FURTHER, AI-GENERATED OUTPUTS ARE BASED ON PROBABILISTIC MODELS AND MAY PRODUCE INCORRECT, INCOMPLETE, MISLEADING, OR HALLUCINATED INFORMATION. SUCH OUTPUTS ARE PROVIDED FOR INFORMATIONAL AND GENERAL PURPOSES ONLY AND DO NOT CONSTITUTE, AND SHOULD NOT BE RELIED UPON AS, FINANCIAL, INVESTMENT, TAX, LEGAL, OR ACCOUNTING ADVICE, OR A RECOMMENDATION TO BUY, SELL, OR HOLD ANY SECURITY OR FINANCIAL INSTRUMENT.

THE YOSHI AI AGENT FUNCTIONS SOLELY AS AN ADMINISTRATIVE AND ORCHESTRATION LAYER. THE YOSHI AI AGENT DOES NOT ITSELF PROVIDE INVESTMENT ADVICE, SECURITIES RECOMMENDATIONS, BROKERAGE SERVICES, BANKING SERVICES, OR CRYPTO ASSET SERVICES. ANY SUCH SERVICES ARE PROVIDED SOLELY BY THE APPLICABLE YOSHI AFFILIATE OR THIRD-PARTY PROVIDER.

USERS ARE SOLELY RESPONSIBLE FOR:

• EVALUATING THE ACCURACY, COMPLETENESS, AND APPROPRIATENESS OF ANY AI-GENERATED OUTPUTS;
• DETERMINING WHETHER ANY SELF-DIRECTED INVESTMENT, INVESTMENT STRATEGY OR RELATED TRANSACTION IS APPROPRIATE FOR YOU BASED ON YOUR PERSONAL INVESTMENT OBJECTIVES, FINANCIAL CIRCUMSTANCES AND RISK TOLERANCE; AND
• COMPLYING WITH ALL APPLICABLE LAWS, REGULATIONS, AND PROFESSIONAL OBLIGATIONS WHEN USING THE SERVICES.

YOU SHOULD CONSULT YOUR LEGAL OR TAX PROFESSIONAL REGARDING YOUR SPECIFIC SITUATION.

NO INFORMATION OR OUTPUT PROVIDED BY THE YOSHI PARTIES OR THROUGH THE SERVICE, WHETHER ORAL OR WRITTEN, SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE DISCLAIMERS MAY NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW.

Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE YOSHI PARTIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS INCLUDING DAMAGES FOR LOSS OF GOODWILL, USE, OR DATA OR OTHER INTANGIBLE LOSSES (EVEN IF THE YOSHI PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, RESULTING FROM: (A) THE USE OR THE INABILITY TO USE THE SERVICE; (B) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (C) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (D) STATEMENTS OR CONDUCT OF ANY THIRD-PARTY ON THE SERVICE INCLUDING ANY THIRD-PARTY PROVIDERS; OR (E) ANY OTHER MATTER RELATING TO THE SERVICE. IN NO EVENT WILL THE YOSHI PARTIES’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID YOSHI IN THE LAST SIX (6) MONTHS, OR, IF GREATER, ONE HUNDRED DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OR EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU OR BE ENFORCEABLE WITH RESPECT TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE OR WITH THESE TERMS OF SERVICE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICE.

IF YOU ARE A USER FROM NEW JERSEY, THE FOREGOING SECTIONS TITLED “INDEMNIFICATION,” “DISCLAIMER OF WARRANTIES,” AND “LIMITATION OF LIABILITY” ARE INTENDED TO BE ONLY AS BROAD AS IS PERMITTED UNDER THE LAWS OF THE STATE OF NEW JERSEY. IF ANY PORTION OF THESE SECTIONS IS HELD TO BE INVALID UNDER THE LAWS OF THE STATE OF NEW JERSEY, THE INVALIDITY OF SUCH PORTION WILL NOT AFFECT THE VALIDITY OF THE REMAINING PORTIONS OF THE APPLICABLE SECTIONS.

Dispute Resolution By Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.

a. Agreement to Arbitrate

This Dispute Resolution by Binding Arbitration section is referred to in these Terms of Service as the “Arbitration Agreement.” You agree that any and all disputes or claims that have arisen or may arise between you and Yoshi, whether arising out of or relating to these Terms of Service (including any alleged breach thereof), the Service, any advertising, or any aspect of the relationship or transactions between us, will be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you may assert individual claims in small claims court, if your claims qualify. Further, this Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into these Terms of Service, you and Yoshi are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement.

b. Prohibition of Class and Representative Actions and Non-Individualized Relief

YOU AND YOSHI AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND YOSHI AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S), EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND THE ARBITRATOR MAY AWARD PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE ENFORCEABILITY OF THIS PROVISION.

c. Pre-Arbitration Dispute Resolution

Yoshi is always interested in resolving disputes amicably and efficiently, and most customer concerns can be resolved quickly and to the customer’s satisfaction by emailing customer support at support@yoshi.ai. If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to Yoshi should be sent to 9450 SW Gemini Dr, PMB 972908, Beaverton, Oregon 97008 (“Notice Address”). The Notice must (i) describe the nature and basis of the claim or dispute and (ii) set forth the specific relief sought. If Yoshi and you do not resolve the claim within sixty (60) calendar days after the Notice is received, you or Yoshi may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Yoshi or you will not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Yoshi is entitled.

d. Arbitration Procedures

To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your dispute or claim or request for relief to the Notice Address. The arbitration will be conducted by JAMS, an established alternative dispute resolution provider. Disputes involving claims, counterclaims, or request for relief under $250,000, not inclusive of attorneys’ fees and interest, shall be subject to JAMS’s most current version of the Streamlined Arbitration Rules and procedures available at http://www.jamsadr.com/rules-streamlined-arbitration/; all other disputes shall be subject to JAMS’s most current version of the Comprehensive Arbitration Rules and Procedures, available at http://www.jamsadr.com/rules-comprehensive-arbitration/. JAMS’s rules are also available at www.jamsadr.com or by calling JAMS at 800-352-5267. If JAMS is not available to arbitrate, the parties will select an alternative arbitral forum. If the arbitrator finds that you cannot afford to pay JAMS’s filing, administrative, hearing and/or other fees and cannot obtain a waiver from JAMS, Yoshi will pay them for you. In addition, Yoshi will reimburse all such JAMS’s filing, administrative, hearing and/or other fees for disputes, claims, or requests for relief totaling less than $10,000 unless the arbitrator determines the claims are frivolous. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the county where you live or at another mutually agreed location. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

The arbitrator shall have exclusive authority to (a) determine the scope and enforceability of this Arbitration Agreement and (b) resolve any dispute related to the interpretation, applicability, enforceability or formation of this Arbitration Agreement including, but not limited to, any assertion that all or any part of this Arbitration Agreement is void or voidable. The arbitration will decide the rights and liabilities, if any, of you and Yoshi. The arbitration proceeding will not be consolidated with any other matters or joined with any other cases or parties. The arbitrator shall have the authority to grant motions dispositive of all or part of any claim. The arbitrator shall have the authority to award monetary damages and to grant any non-monetary remedy or relief available to an individual under applicable law, the arbitral forum’s rules, and these Terms of Service (including this Arbitration Agreement). The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award of the arbitrator is final and binding upon you and us.

e. Confidentiality

All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.

f. Severability

If a court or the arbitrator decides that any term or provision of this Arbitration Agreement (other than the subsection (b) above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” above) is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and this Arbitration Agreement will be enforceable as so modified. If a court or the arbitrator decides that any of the provisions of subsection (b) above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” are invalid or unenforceable, then the entirety of this Arbitration Agreement will be null and void, unless such provisions are deemed to be invalid or unenforceable solely with respect to claims for public injunctive relief. The remainder of these Terms of Service will continue to apply.

g. Future Changes to Arbitration Agreement

Notwithstanding any provision in these Terms of Service to the contrary, Yoshi agrees that if it makes any future change to this Arbitration Agreement (other than a change to the Notice Address) while you are a user of the Service, you may reject any such change by sending Yoshi written notice within thirty (30) calendar days of the change to the Notice Address provided above. By rejecting any future change, you are agreeing that you will arbitrate any dispute between us in accordance with the language of this Arbitration Agreement as of the date you first accepted these Terms of Service (or accepted any subsequent changes to these Terms of Service).

Termination

You agree that Yoshi, in its sole discretion, may suspend or terminate your account (or any part thereof), including suspending or terminating any External Agent connection or authorization, or use of the Service and remove and discard any content within the Service, for any reason, including for lack of use or if Yoshi determines that you have used any External Agent to violate these Terms of Service or circumvent Yoshi's approval requirements, authorization controls, technical restrictions, security measures, or other safeguards, or if Yoshi believes that you have violated or acted inconsistently with the letter or spirit of these Terms of Service. Any suspected fraudulent, abusive, or illegal activity that may be grounds for termination of your use of the Service may be referred to appropriate law enforcement authorities. Yoshi may also in its sole discretion and at any time discontinue providing the Service, or any part thereof, with or without notice. You agree that any termination of your access to the Service under any provision of these Terms of Service may be effected without prior notice, and acknowledge and agree that Yoshi may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or the Service. Further, you agree that Yoshi and Yoshi Affiliates will not be liable to you or any third-party for any termination of your access to the Service.

User Disputes

You agree that you are solely responsible for your interactions with any other user in connection with the Service, and Yoshi and Yoshi Affiliates will have no liability or responsibility with respect thereto. Yoshi reserves the right, but has no obligation, to become involved in any way with disputes between you and any other user of the Service.

General

These Terms of Service (together with the terms incorporated by reference herein) constitute the entire agreement between you and Yoshi governing your access and use of the Service, and supersede any prior agreements between you and Yoshi with respect to the Service. You also may be subject to additional terms and conditions that may apply when you use Third-Party Services, third-party content or third-party software. These Terms of Service will be governed by the laws of the State of Delaware without regard to its conflict of law provisions; however, where required by California Civil Code Section 1799.208, the laws of California shall apply. With respect to any disputes or claims not subject to arbitration, as set forth above, you and Yoshi submit to the personal and exclusive jurisdiction of the state and federal courts located within Delaware. The failure of Yoshi to exercise or enforce any right or provision of these Terms of Service will not constitute a waiver of such right or provision. If any provision of these Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Terms of Service remain in full force and effect. You agree that regardless of any Law to the contrary, any claim or cause of action arising out of or related to use of the Service or these Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred. A printed version of these Terms of Service and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to these Terms of Service to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You may not assign these Terms of Service without the prior written consent of Yoshi, but Yoshi may assign or transfer these Terms of Service, in whole or in part, without restriction. The section titles in these Terms of Service are for convenience only and have no legal or contractual effect. As used in these Terms of Service, the words “include” and “including,” and variations thereof, will not be deemed to be terms of limitation, but rather will be deemed to be followed by the words “without limitation.” Notices to you may be made via either email or regular mail. The Service may also provide notices to you of changes to these Terms of Service or other matters by displaying notices or links to notices generally on the Service. Yoshi will not be in default hereunder by reason of any failure or delay in the performance of its obligations where such failure or delay is due to civil disturbances, riot, epidemic, hostilities, war, terrorist attack, embargo, natural disaster, acts of God, flood, fire, sabotage, fluctuations or unavailability of electrical power, network access or equipment, or any other circumstances or causes beyond Yoshi’s reasonable control.

In Case of Errors or Questions About Your Electronic Transfers

Contact us as soon as you can if you think your statement, receipt, transaction history, or account information is wrong, or if you need more information about an electronic transfer.

Contact us via the Support feature in the App
Telephone: (888) 315-8151

Mail: 9450 SW Gemini Dr, PMB 972908, Beaverton, Oregon, 97008, USA

We must hear from you no later than 60 days after we sent or made available the first statement or transaction history on which the problem or error appeared.

When you contact us, please tell us:

1. your name and account number, if any;
2. the transaction or error you are unsure about, and why you believe it is an error or need more information; and
3. the dollar amount of the suspected error.

If you tell us orally, we may require you to send your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, we may take up to 45 days to investigate. If we do so, we will credit your account within 10 business days for the amount you think is in error, so you will have use of the money during the investigation. If we ask you to put your complaint or question in writing and do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale transactions, or foreign-initiated transactions, we may take up to 90 days to investigate. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation.

Notice for California Users

Under California Civil Code Section 1789.3, users of the Service from California are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted (a) via email at dca@dca.ca.gov; (b) in writing at: Department of Consumer Affairs, Consumer Information Division, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834; or (c) by telephone at (800) 952-5210 or (800) 326-2297 (TDD). Sacramento-area consumers may call (916) 445-1254 or (916) 928-1227 (TDD). You may contact us at Yoshi AI, Inc., (888) 315-8151 or 9450 SW Gemini Dr, PMB 972908, Beaverton, Oregon 97008.

Questions? Concerns? Suggestions?

Please contact us via the Support feature in the App to report any violations of these Terms of Service or to pose any questions regarding these Terms of Service or the Service.

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