Terms of Service

The Services allow a user ("Trader") to connect exchange, broker and blockchain wallet accounts with read-only access, so that the holdings, trade history and figures derived from them are read from those accounts and displayed on the Trader's profile, and to post calls — written statements, with optional images — that may be sealed so that their contents are withheld from other users until a time the Trader sets before posting, or until an instrument the Trader picks reaches a price the Trader sets (and in any case no later than one year after sealing) ("Time-Locked Content"). A Trader may also choose to have each trade synced from their connected accounts sealed automatically as a post, opening a set time after the trade or once the instrument's price has risen by a set percentage above the trade price; such posts are Time-Locked Content. Prices used to open content are read from public market data and may differ from any one venue's price, and a delayed or unavailable price can delay an opening. A Trader may open their own Time-Locked Content early at any time. Sealing, storage and release all take place on infrastructure operated by or for Stock Locker.

Joining, connecting accounts and posting calls are free. A Trader's profile becomes public once at least one connected account has been read, unless we have unlisted it, and from then on anyone with its address can see it. A Trader may set a monthly price, a yearly price, or both for early access, which lets a paying member read the Trader's sealed calls before the timer runs out, subject to our discretion over prices on the Leaderboard under Section 9.6a; the call itself is unchanged by this, and still opens to everyone when its timer expires. A Trader may also opt in to the Leaderboard under Section 9.7a.

Once a call is posted, the Services provide no means for anyone — the Trader, any other user, or Stock Locker personnel — to edit its contents. Notes a Trader adds afterwards are stored and displayed separately, with their own timestamps, and do not alter the original call.

2.1 Eligibility. You must be at least 18 years of age (or the legal age of majority in your jurisdiction) to use the Services. By using the Services, you represent and warrant that you have the full right, power, and authority to enter into this Agreement.

2.2 Account Security. If you create an account, you are responsible for maintaining the security and confidentiality of your login credentials. You are solely responsible for all activities that occur under your account. You must notify us immediately of any unauthorized access or use.

2.3 Connected Accounts. You may connect only accounts that you own or are authorised to read. You must create any API key, token or report you supply with read-only permission, as the connect form describes for each venue; the Services use what you supply only to read balances, positions and trade history, and never to place an order, move an asset or withdraw funds, but you remain responsible for the permissions of any credential you create. Wallets are connected by signing a message that proves you control the address; the signature authorises nothing. You may disconnect an account at any time, which deletes the stored credential and its balance readings; trades already imported remain part of your profile's record, and the account stays associated with your profile so it cannot be verified on another.

2.3a Venues Not Available in the United States. Some venues, including Binance's global exchange (binance.com), do not serve residents of the United States. You may not connect such a venue if you are a resident of the United States or of any US territory, or if you are acting for a person who is. Before such a connection is made you must confirm that you are not such a resident, and we check that your connection does not originate from the United States; we refuse the connection if it does or if we cannot tell, and we do not store the IP address checked. You must not use a VPN, proxy or any other means to make a connection appear to come from outside the United States. If your residency changes, you must disconnect the venue at once. We may disconnect it, and delete what was read through it, if we have reason to believe these conditions are not met. Your use of each venue remains subject to that venue's own terms, including its own restrictions on where it may be used.

2.3b Venues Read From Outside the United States. Some venues, including Binance's global exchange, do not accept requests from the region where our main servers run. We read these through a separate server we operate outside the United States (currently in the United Kingdom). Your API key for such a venue is sent to us and stored encrypted, as for any other connection under Section 2.3, and is used only by that server to read your balances and trade history. We refuse API keys that can trade, withdraw or transfer funds. Past trades are imported for the assets your account holds when it is read, so trades in an asset you no longer hold may be missing. Section 2.3a still applies: these venues are not connected for residents of the United States.

2.4 Sanctions and Restricted Regions. The Services are not offered in, and may not be used from, any country or region subject to comprehensive sanctions administered by the United States, namely Cuba, Iran, North Korea and Syria, together with the whole of Ukraine, which we exclude in its entirety so as not to serve any of its occupied or sanctioned regions (each a "Restricted Region"); we may add to this list, or remove from it, as sanctions change. You represent and warrant that you are not located in, organised under the laws of, or ordinarily resident in a Restricted Region; that you are not named on any sanctions list, including the Specially Designated Nationals and Blocked Persons List maintained by the U.S. Department of the Treasury's Office of Foreign Assets Control, and are not owned or controlled by, or acting for, anyone who is; and that no wallet you connect, set as a payout wallet or pay from belongs to or is used on behalf of such a person. We block access from Restricted Regions using the location of your IP address, and we screen wallet addresses against sanctions lists through a third-party provider when a wallet is connected, when it is set as a payout wallet, and when a payment is made, including the wallets the payment would pay. We refuse any wallet that is listed, and we decline to proceed while a check cannot be completed. You may not use a virtual private network, proxy or any other means to avoid these measures. Where we believe you are in breach of this Section we may suspend or close your account and decline any payment, and we may report the matter where the law requires us to.

BY USING THE SERVICES, YOU EXPRESSLY ACKNOWLEDGE AND AGREE TO THE FOLLOWING:

3.1 Server-Side Sealing, Not Client-Side Encryption. The Services do not use client-side encryption, user-held keys, or passphrases you supply. Sealed content is stored on infrastructure we control and is readable by us. Before its unlock time the Services disclose sealed content only to the Trader who wrote it, to any member who has bought early access from that Trader, and to Stock Locker personnel; it is disclosed to no other user, and we do not disclose it outside Stock Locker. Our own access exists because a call that cannot be read cannot be moderated. What the seal guarantees is that the content cannot be altered by anyone, ourselves included, once it is posted. This is an operational and access control, not a mathematical impossibility, and you should evaluate the seal on that basis.

3.2 Published Fingerprint, No Independent Anchor. When a call opens, we publish the SHA-256 fingerprint taken of its contents at the moment it was sealed. Hashing the opened content yourself reproduces that string, and that is what shows the call has not been altered since it was posted. The limit of that proof is ours to state plainly: content is not written to any blockchain or public ledger, and because we serve both the content and the fingerprint, the pair is evidence that a Trader has not changed a call, not evidence against us. What the Services offer is that the time of posting is recorded by our systems rather than supplied by you, that the contents are withheld until the timer expires, that the product provides no path to alter them, and that the fingerprint lets you check the last of those for yourself. Payments under Section 9 are made over the Solana network; that is a payment rail only and is unrelated to how content is stored or released.

3.3 No Guarantee of Exact Unsealing Time. Unsealing is performed by a scheduled process. While we use commercially reasonable efforts to release content on time, server load, clock drift, scheduling intervals or third-party outages may cause a call to become visible somewhat later than the time displayed. A call will not, however, become visible to others before its unlock time.

3.3a Price-Triggered Unsealing. Where the Services allow a call to be set to unseal when an instrument reaches a stated level, the call unseals no later than one year after it was posted, whether or not that level is ever reached. No call stays sealed longer than a year.

3.4 Permanence. A posted call is permanent: neither you nor Stock Locker can edit or delete it in the ordinary operation of the Services, including a call that has gone against you. We may remove content where Section 5 or applicable law requires it.

4.1 Where Figures Come From. Holdings, balances and trade history are read from the venues you connect: the exchange, broker or blockchain reports them, and the Services display what was reported. Neither you nor Stock Locker can edit those figures on the Services. A venue's report may nonetheless be incomplete, delayed or wrong, a venue may refuse to answer (for example, one that blocks the region our servers operate from), and a venue may only provide history for a limited period. We show what we could read and say so where something could not be read; we do not warrant that any venue's report is accurate or complete.

4.2 How Figures Are Produced. Brokers value their own positions. Other assets are valued in U.S. dollars from public exchange rates at the time of reading, and an asset we cannot price is shown as unpriced rather than as zero. Portfolio value includes deposits and withdrawals, so a change in value is not by itself a return. A wallet has no trade history of its own: we treat as a trade any transaction in which the wallet gave up exactly one asset and received exactly one other, read from the public blockchain over the past year, and we skip transactions involving a token we cannot identify with confidence, so a wallet's trade record may be incomplete. Realised profit and loss is computed by us from imported trades on a first-in, first-out basis; sales with no matching purchase in the history we can see are excluded rather than counted as profit, and trades quoted in a currency we cannot convert at the time are converted at a later rate and are approximate. These are our computations from third-party data, not statements by any venue, and they may differ from the venue's own figures.

4.3 Not a Guide to Future Results. A portfolio's past value or realised profit says nothing reliable about its future, does not show that any call was acted on, and does not show that following a Trader would have been profitable for you. Figures may exclude costs, taxes and activity in accounts that were not connected.

You agree that you will not use the Services for any unlawful, deceptive, or malicious purpose. Specifically, you agree NOT to:

• Upload, post, or schedule the release of content that contains CSAM, malware, ransomware, unauthorized personal data (PII), or trade secrets stolen from third parties.
• Use the Services to engage in market manipulation, insider trading, or illegal financial schemes, including posting calls intended to move a market in which you hold an undisclosed real position.
• Connect an account you do not own or are not authorised to read, connect accounts to inflate or misrepresent a portfolio (including through coordinated transfers between accounts), or present figures from the Services as audited or as something they are not.
• Attempt to obtain, infer, or expose the contents of a sealed call before its unlock time, or to bypass, brute-force, reverse-engineer, or otherwise attack the time-lock or release infrastructure.
• Use the Services to impersonate any person or entity or misrepresent your affiliation with a person or entity.
• Interfere with or disrupt the integrity, security, or performance of the Services or underlying servers.

Stock Locker reserves the right, in its sole discretion, to terminate accounts, remove content, or block access to users who violate this Section. Removal on these grounds is the one circumstance in which a call may be taken down, and it overrides the permanence described in Section 3.4.

6.1 No Financial/Legal Services. Stock Locker is a software technology provider, NOT a registered broker-dealer, investment advisor, commodity pool operator, financial auditor, or public accounting firm under U.S. or international law.

6.2 Not an Official Audit. Time-Locked Content generated, unsealed, or displayed through the Services does not constitute an official regulatory audit, SEC/FCA filing, or certified financial report. Users (including fund managers or analysts) who utilize the platform to publish track records acknowledge that such disclosures are voluntary, unaudited, derived from data reported by third-party venues, and provided "AS IS."

6.3 No Investment Advice. Content made public through the Services by third-party users does not represent the views of Stock Locker and should never be relied upon as professional financial or investment advice. Depending on your jurisdiction and how you operate on the platform, publishing trading commentary may itself be subject to securities or investment-adviser regulation; determining that is your responsibility, not ours.

7.1 Your Content. You retain all ownership rights in and to the raw text, files, and data you submit to the Services ("User Content").

7.2 Limited License to Company. You grant Stock Locker a worldwide, non-exclusive, royalty-free license to store, host, transmit, display and process your User Content solely as necessary to operate, maintain, and provide the Services, including displaying it publicly on and after its unlock time where your profile is public, and to read, store and display the data the Services obtain from accounts you connect.

7.3 Company IP. The Services, including the visual interfaces, branding, software code, APIs, database structures, and proprietary time-lock release logic, are owned exclusively by Stock Locker and protected by copyright, trademark, and intellectual property laws.

7.4 Third-Party Material. Charts linked to earlier calls are hosted by, and remain subject to the terms of, the third party that provides them. You are responsible for having the right to post any image or link you attach to a call.

The Services integrate with or rely upon third-party providers for hosting, databases, authentication, email delivery and blockchain payment processing, and read data from the exchanges, brokers, blockchains and social platforms you choose to connect. Your relationship with each of those venues is governed by its own terms, and connecting it to Stock Locker does not change them. Company is not responsible or liable for any failure, outage, price error, or data corruption caused directly by such third-party providers.

9.1 What Is Paid, and in What. Joining, connecting accounts and posting calls cost nothing. The only payment on the Services is a member's subscription to a Trader's calls, at the price shown when it is bought. Every amount under this Section — subscription prices, the Trader's share, referral commissions, account balances, minimum withdrawals and fees — is denominated and calculated in USDC on the Solana network. Where these Terms or the interface express such an amount with a dollar sign or in "U.S. dollars", that figure means the same number of USDC units; the thresholds in Sections 9.6 and 9.7a are the exception, being values of portfolios measured under Section 4. A member may pay with SOL, USDC or USDT on the Solana network, among those the Trader has chosen to accept in their settings, and with no other token. Every share of a payment under Sections 9.7, 9.7a and 9.8 (the Trader's, any affiliate commission and Stock Locker's) is paid in the coin the member paid with; no conversion is performed. A share paid in USDT is the same number of USDT as its USDC amount. A share paid in SOL is the USDC amount of that share priced at the market rate quoted, by a third-party decentralised exchange aggregator (currently Jupiter), when the payment is prepared. Any balance held under Section 9.8 is kept in USDC value.

9.1a Plans Bought Before Retirement. Stock Locker previously sold Pro plans. Plans are no longer sold, and everything they unlocked is now free. A plan bought earlier keeps the account's profile public until the plan's term ends, whether or not an account is connected, and is otherwise without further effect; it is not refundable under Section 9.4.

9.2 No Peg Guarantee. USDC is issued and administered by a third party. Stock Locker does not control, endorse, or guarantee its value, its convertibility, or its continued availability. If the market value of one USDC diverges from one U.S. dollar, amounts owed by you or to you remain the same number of USDC units and are not increased, reduced, or recalculated on account of that divergence, and any resulting loss is yours. We are under no obligation to make up a shortfall, to convert an amount into another asset, or to reprice a plan you have already paid for.

9.3 Irreversibility. Blockchain payments are final. Once a transaction is confirmed on the network we cannot reverse, recall or refund it, and we are not able to recover funds sent to an incorrect address, in the wrong asset, or on the wrong network. You are responsible for the accuracy of every payment you send.

9.4 Non-Refundable. Payments are non-refundable except as explicitly stated herein or required by law. A Trader may change their price, and we may change it under Section 9.6a, but a change in price does not affect a term already paid for.

9.5 End of a Membership. A membership gives early access for the term bought and ends when that term runs out unless it is renewed. When it ends, the Trader's sealed calls are again withheld from you until their timers expire, as for anyone else.

9.6 Referral Links. Any account may request a referral link; there is no portfolio, subscription or other requirement, and links issued under earlier versions of these Terms remain valid. You and the people you refer may not share an IP address: an account created from the same IP address as yours, or that later uses one, is not a valid referral, and it is neither your own audience under Section 9.7a nor eligible for any commission under Section 9.7. A person who creates a Stock Locker account after following your link becomes your referee at the moment the account is created, and remains so for the life of the account. Attribution happens once and cannot be transferred or reassigned; an existing account does not become a referee by following a link afterwards. A referee receives no discount and pays the ordinary price.

9.6a Subscription Price and Our Discretion on the Leaderboard. A Trader ordinarily sets the price of early access to their own calls. Where a Trader is listed on the Leaderboard, Stock Locker may set, raise or lower that price at its own discretion, so that prices across the Leaderboard bear a sensible relation to the records behind them. By way of example, where two Traders have set the same subscription price and one has the stronger track record, we may raise the price of the Trader with the stronger record, lower the price of the other, or both. We will give a Trader reasonable notice before a change to their price takes effect. A change is prospective only: it does not alter a subscription already paid for, and any subscription then running continues at the price paid until it expires or is renewed.

9.7 Affiliate Share of Subscription Revenue. You are an Affiliate while a social account you have connected to Stock Locker (YouTube, X or Twitch, and TikTok once we support it) shows at least fifty thousand (50,000) followers, as reported by the platform itself when last verified. Each time a referee of an Affiliate pays for a subscription to a Trader's calls, other than a subscription to the Affiliate's own calls, the Affiliate receives twenty percent (20%) of the subscription price, whether it is a first subscription or a renewal, for payments made within twelve (12) months of the date the referee's account was created. Whether you are an Affiliate is decided at each payment. A referrer who is not an Affiliate receives no share of payments to other Traders: their referral link affects only the rate under Section 9.7a. The Affiliate's share is taken out of Stock Locker's share and never out of the Trader's, and is paid under Section 9.8: directly to the Affiliate's payout wallet if one is set when the member pays, and otherwise credited to their balance. We may change the percentage or the follower threshold in this Section prospectively; a change does not affect a subscription already paid for.

9.7a The Trader's Share and the Leaderboard. When a member pays for a subscription to your calls, you receive fifty percent (50%) of the subscription price, except where the member created their Stock Locker account through your own referral link under Section 9.6, in which case you receive eighty percent (80%). Your share is paid directly to your payout wallet under Section 9.8, in the same transaction as the member's payment. The higher rate applies to every subscription to your calls that member pays for, renewals included, however they reached your profile; how any other member reached your profile, including from the Leaderboard, does not change the rate. Subscriptions paid before October 3, 2026 were credited under the rates then in force. Appearing on the Leaderboard is optional: every account starts off it, you may opt in or out at any time from your profile settings, and you are listed only while you are opted in and your verified portfolio is worth at least fifty thousand (50,000) U.S. dollars. We may change the percentages in this Section prospectively; a change does not affect a subscription already paid for.

9.8 Direct Payment, Your Payout Wallet and Balances. A member's payment is a single transaction on the Solana network that pays each share directly and at the same moment: the Trader's share under Section 9.7a to the Trader's payout wallet, any referral commission under Section 9.7 to the referrer's payout wallet, and the remainder to Stock Locker. Either every share is paid or none is. Stock Locker does not receive, hold or forward a share that is paid directly, and a share paid directly is not credited to any balance. You choose your payout wallet from the Solana wallets you have connected to your account and so shown to be yours. You may change it to another such wallet; to protect your earnings, a change requires you to confirm your identity again (by password or a code sent to your email) and we email you when it is made. A change applies to payments made after it; payments already made to your previous wallet are not redirected. You are responsible for keeping access to your account and your wallets secure. A Trader must set a payout wallet before selling early access. Section 9.3 applies to every payment made to the wallet you chose. Amounts that are not paid directly — a referral commission earned while you have no payout wallet, and shares credited before October 5, 2026 — accrue to your balance. A balance is paid out on request, without identity verification. Nothing accrued expires. Balances are paid in USDC on Solana to your payout wallet. The minimum withdrawal is ten (10) USDC. The first withdrawal in a calendar month is free; each subsequent withdrawal in the same calendar month carries a fee of five (5) USDC. Calendar months are measured in Coordinated Universal Time (UTC), so the allowance resets at the same instant for every user regardless of local time. The fee is deducted from the amount withdrawn rather than charged separately, so the amount reaching your wallet is the amount requested less any applicable fee.

9.9 Ineligible Amounts and Changes. Commissions or shares arising from self-referral, from a referee who shares your IP address, from subscribing to your own calls, from accounts you create or control in order to claim them, or from payments that are subsequently reversed, disputed or found to be fraudulent may be withheld or clawed back from your balance. We may change the rates, minimums and fees stated in Sections 9.7, 9.7a and 9.8, or suspend or discontinue the referral or affiliate programme, on a prospective basis; commissions already credited to your balance are not affected by such a change.

9.10 Your Taxes and Regulatory Compliance as a Trader. If you sell early access to your calls, or earn referral commissions, you alone are responsible for (a) determining, reporting and paying any income, sales, value-added, goods and services or other tax that arises on what you receive, including your share and any commission paid directly to your payout wallet, and for keeping the records your tax authorities require; and (b) determining whether publishing calls, or selling access to them, requires you to hold any licence, registration or authorisation, or to comply with any law, in the places where you live and where your members are, including laws on investment advice, financial promotions, securities, commodities, consumer protection and marketing, and for complying with them. Stock Locker does not withhold, collect or remit tax on your behalf and does not give tax, legal or regulatory advice; we may ask you for tax information and may report payments to tax authorities where the law requires us to. Before you can sell early access you must confirm, in your settings, that you have read and accept this Section, and we record the date and time you did so. Nothing in this Section limits Section 6.

10.1 No Competition Is Running. The launch competition announced in earlier versions of these Terms, which would have ranked simulated accounts during October 2026, was withdrawn before any Trader took a spot in it. No place in it was taken, and no prize, distribution or other payment is owed under it.

10.2 Future Competitions. If we run a competition in future, it will be governed by rules published with it, which will say who may enter, how entrants are ranked, and what is paid. Nothing in these Terms promises that one will run.

Company may terminate or suspend your access to all or part of the Services immediately, without prior notice or liability, if you breach any provision of this Agreement or engage in fraudulent activity. Upon termination, your right to use the Services will immediately cease. Termination does not entitle you to a refund of fees already paid, and does not of itself delete calls you have already posted.

TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR UNINTERRUPTED AVAILABILITY.

STOCK LOCKER DOES NOT WARRANT THAT: (A) THE SERVICES WILL MEET YOUR REQUIREMENTS; (B) UNSEALING WILL OCCUR AT THE PRECISE SECOND SPECIFIED; (C) ANY HOLDING, BALANCE, PRICE, PROFIT, LOSS OR RANKING DISPLAYED IS ACCURATE OR COMPLETE, GIVEN THAT IT IS REPORTED BY THIRD-PARTY VENUES AND PRICED FROM PUBLIC RATES; OR (D) THE SERVICES WILL BE ENTIRELY FREE OF BUGS, VIRUSES, OR SECURITY VULNERABILITIES.

TO THE FULLEST EXTENT PERMITTED BY WYOMING LAW:

13.1 EXCLUSION OF CONSEQUENTIAL DAMAGES. IN NO EVENT SHALL STOCK LOCKER, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, OR LICENSORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING LOSS OF PROFITS, LOSS OF DATA, GOODWILL, WORK STOPPAGE, COMPUTER FAILURE, OR FINANCIAL LOSSES ARISING FROM CALLS OR FROM RELIANCE ON PORTFOLIO FIGURES) ARISING OUT OF OR IN CONNECTION WITH THE USE OF OR INABILITY TO USE THE SERVICES.

13.2 AGGREGATE LIABILITY CAP. THE TOTAL CUMULATIVE LIABILITY OF STOCK LOCKER FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE USE OF THE SERVICES SHALL NOT EXCEED THE GREATER OF: (A) ONE HUNDRED U.S. DOLLARS ($100.00), OR (B) THE TOTAL AMOUNT PAID BY YOU TO STOCK LOCKER FOR THE SERVICES IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY.

You agree to defend, indemnify, and hold harmless Stock Locker, its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your violation of these Terms; (b) your User Content; (c) your violation of any third-party rights or applicable laws; or (d) any financial or investment decisions made by third parties relying on your unsealed Time-Locked Content or on figures read from your connected accounts.

This Agreement and any dispute or claim arising out of or in connection with it or its subject matter shall be governed by, and construed in accordance with, the internal laws of the State of Delaware, without giving effect to any choice-of-law or conflict-of-law principles.

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

16.1 Informal Dispute Resolution. Before initiating formal legal action, You and Stock Locker agree to attempt to resolve any dispute informally for at least thirty (30) days by sending written notice detailing the claim to legal@stocklocker.com.

16.2 Binding Arbitration. If the dispute is not resolved within 30 days, any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be settled by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules under the Federal Arbitration Act (FAA).

16.3 Forum & Venue. The seat and venue of arbitration shall be Dover, Delaware, or conducted virtually upon mutual agreement. Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

16.4 CLASS ACTION WAIVER. YOU AND STOCK LOCKER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS.

17.1 Severability. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent of the law.

17.2 Entire Agreement. These Terms constitute the entire agreement between you and Stock Locker regarding the Services and supersede all prior communications or proposals.

17.3 Modifications. Stock Locker reserves the right to modify these Terms at any time. We will provide notice of material updates by posting the revised version on our website or sending an email. Continued use of the Services after changes take effect constitutes acceptance.