Digital Brokerage Services LLC Terms of Use

1. Overview

These terms of use (“Agreement”) between Digital Brokerage Services LLC (“DBS,” “we,” or “us”) and you state the terms and conditions of your use of the Services (as defined below). “You” or “Your” refers to any person or entity that accesses or attempts to access the Services.

“Services” means all products, services, features, content, functionality, and technology made available by or on behalf of DBS (including its affiliates, agents, and authorized third party providers) through any medium or platform. This includes, without limitation:

The plynkinvest.com website and any related or successor websites, domains, or subdomains;
The Plynk App (including iOS, Android, any other mobile or tablet platforms);
Any applications, experiences, or interfaces available through emerging or immersive technologies, including but not limited to spatial computing environments, augmented reality, virtual reality, mixed reality, meta glasses or similar platforms; and
Any electronic content delivered via third-party platforms, integrations, APIs, or distribution channels.

Content available through the Services includes without limitation trading platforms, investment tools, account services, educational material, market data, and news.

The Services provide access to different types of accounts and related services. Brokerage services are provided by DBS and clearing services are provided by Green Pier Fintech LLC (Green Pier). Neither DBS nor Green Pier provide digital assets or crypto transactions. Crypto trading and custody services available through the Services are offered solely by an unaffiliated third party. Crypto is volatile and highly speculative, accounts are not covered by SIPC or insured by the FDIC, and investment should not exceed more than you are willing to lose.

By using or accessing the Services, through your guest profile, your DBS account or otherwise, you accept and agree to be bound by the terms herein. You agree to use the Services only in accordance with this Agreement. Failure to abide by any of the terms herein may result in the termination of your right to use the Services.

Your relationship with DBS may also be governed by other agreements (e.g. if you are a DBS accountholder). Where your use of the Services falls within the scope of those other agreements, to the extent that there is any conflict between this Agreement and those other agreements, your other agreements will apply.

2. Responsibilities of users

You shall be the only authorized user of the Services under this Agreement and shall use the Services only for your personal, noncommercial purposes. You agree to keep confidential and not publish, broadcast, retransmit, reproduce, sell, distribute, circulate, commercially exploit, or otherwise re-disseminate any data or information obtained through the Services in any manner to third parties without the express written consent of DBS.

You shall be responsible for the confidentiality and use of your password(s) and other security data, methods and devices. You shall be solely responsible for all orders electronically transmitted or use of any data, information, or services obtained by the use of your password(s) and other security data. You agree that you will not share your password(s) and other security data, methods, and devices with any other person.

You accept full responsibility for the monitoring of your account. You agree that the Services are the proprietary property of DBS, its affiliates and/or third parties from which DBS has obtained rights.

Any data, charts, and other information provided are intended for research purposes to help self-directed investors evaluate many types of securities. Criteria and inputs entered are at your sole discretion and are solely for your convenience. Analyst ratings are provided by third parties unaffiliated with DBS. DBS does not endorse or adopt any particular investment strategy, any analyst rating, or any approach to evaluating individual securities. DBS makes no guarantees that information supplied is accurate, complete, or timely, and does not provide any warranties regarding results obtained from its use.

The Services are intended only for use by U.S. persons. No part of the Services shall be considered a solicitation to buy or an offer to sell a security, digital asset, or any other product or service, to any person who is not a U.S. person or is in any jurisdiction where such offer, solicitation, purchase, sale, or other product or service would be unlawful under the laws of such jurisdiction.

All content is provided as of the date and time indicated and may be superseded by subsequent market events or other factors. You are responsible for setting up the device you use to access the Services (including cache and refresh settings) to ensure access to up-to-date data available through the Services. DBS disclaims responsibility for delays or inaccuracies resulting from user device configurations.

The Services are not intended to provide legal, tax or investment advice. In general, the information contained in the Services has been prepared without reference to any particular user's personal situation.

3.Electronic Delivery of Communications

As further detailed in the Electronic Delivery Agreement, which is fully incorporated into this Agreement, as a condition to opening and maintaining an account with DBS, you agree to conduct business with DBS electronically, and you consent to electronic delivery of all documents, communications, and information related to your DBS account, including regulatorily required documents, communications and information. A DBS account is solely offered to customers who agree to communicate with DBS electronically. This means that our communications with you will be by any form or manner of electronic communications permitted under applicable law, including via email, text messages, posting on the Plynk app or DBS websites, and in-app notifications rather than by U.S. mail. DBS does not support ongoing delivery of communications by U.S. mail. Additionally, you understand and agree that a valid email address, valid U.S. mobile phone number, and the ability to access the Plynk app is required to maintain any DBS account and obtain Services.

Certain Services allow you to place orders for mutual funds and exchange-traded products (collectively, "Funds"). To the extent that you utilize the Services to place orders for Funds, you consent to receive all Fund prospectuses electronically. By using the Services to place Fund orders, you understand and agree that Fund prospectuses will only be delivered electronically notwithstanding any other document preference(s) you may have with DBS.

4. User consent

You recognize that your use of the Plynk app and the related Services may involve the transmission to you of information that may be considered Personal Financial Information, including, but not limited to, the identity and number of shares that you trade and the net dollar price for the shares. You consent to the transmission by electronic means of such information through the Services; such consent shall be effective at all times that you use the Services.

You understand that DBS may make nonpersonal historical trading data available to institutional clients in the aggregate for analysis purposes (such as trending).

If you use a Service, you agree and consent to receive DBS's privacy notices or policies electronically, and to such end, DBS and its affiliates may post privacy notices or policies on its websites. You understand that telephone calls to DBS may be monitored or recorded, and hereby consent to such monitoring or recording.

5. Error notification

You understand that all trade orders placed through the Services are at your sole risk and responsibility. You further understand that quotes, order executions, and execution reports could be delayed. During periods of heavy trading or volatility, quotes that are provided as "real time" may be stale-even if they appear not to be-and you may not receive every quote update. Security prices can change dramatically during such delays, and order execution may be delayed or unavailable.

If you attempt to cancel an order, you understand that there is no guarantee that an open order can be canceled, in whole or in part. If you wish to replace an order that you have attempted to cancel, you agree to confirm your original order is canceled before creating the replacement order. A receipt of your cancellation order should not be construed as confirmation that a trade has been canceled, as that order may have arrived too late for DBS to act on.

You also understand that you must notify DBS of the existence of certain circumstances relating to your use of the Services. Specifically, you agree to immediately notify DBS

If an order has been placed through the Services and you have not received a reference number reflecting the order, you shall immediately notify DBS.
If an order has been placed through the Services and you have not received an accurate written confirmation of the order or of its execution within five (5) business days, you shall immediately notify DBS.
If you have received confirmation of an order that you did not place or any similar conflicting report, you shall immediately notify DBS.
If there is a discrepancy in the account balance, security positions, or order status reported to you by DBS, you shall immediately notify DBS.
If there is any other type of discrepancy or suspicious or unexplained occurrence relating to the Services or your account, you shall immediately notify DBS.
You shall immediately notify DBS if you suspect any unauthorized use of your account or the Services.

All notifications to DBS pertaining to this Agreement shall be directed to:

DIGITAL BROKERAGE SERVICES LLC
499 Washington Boulevard
Jersey City. NJ 07310

If you fail to notify DBS when any of the above conditions occur, neither DBS nor any of its employees, agents, affiliates, control persons, or its parent, nor any third parties, can or will have any responsibility or liability to you or to any other person whose claim may arise through you for any claims with respect to the handling, mishandling, or loss of any order or information. Notwithstanding your notification to DBS, DBS shall not be liable for any Losses (as defined herein) related to the Services except as expressly set forth in this Agreement. You understand that DBS shall not be deemed to have received any order electronically transmitted by you until DBS has acknowledged to you that the order has been received by DBS. You accept full responsibility for the monitoring of your account.

6. Third Party Fees and charges

You understand that the rates, fees, billing, and terms governing services provided by any third- party vendors or service providers may be determined solely by such third party.

You understand and acknowledge that DBS is not delivering telecommunication, Internet, or any other means of electronic access to the Plynk app and that you are responsible for maintaining appropriate contracts with third parties to obtain such services. You agree to obtain access to and be solely liable for all payments related to all equipment and devices necessary to access the Services. You further understand that your ability to make use of the Services may be limited by technical or other limitations present in the equipment or services and any devices you use to access the Services.

7. Market data

You acknowledge that quotes, order executions, and execution reports could be delayed. You understand that each participating national securities exchange or association asserts a proprietary interest in all of the market data (including, without limitation, real-time quotes) it furnishes to the parties that disseminate the data. You also understand that neither DBS nor any participating national securities exchange or association nor any supplier of market data guarantees the timeliness, sequence, accuracy, or completeness of market data or any other market information, or messages disseminated by any party. DBS shall not be liable in any way, and you agree to indemnify and hold harmless DBS from and against any and all claims, demands, actions, losses, damages, liability, costs, charges, counsel fees, and expenses of any nature ("Losses") arising from or occasioned by (a) any inaccuracy, error, delay in, or omission of, (i) any such data, information, or message, or (ii) the transmission or delivery of any such data, information, or message, or (b) any Losses arising from or occasioned by (i) any such inaccuracy, error, delay, or omission, (ii) nonperformance, or (iii) interruption of any such data, information, or message, due either to any act or omission by DBS or any other disseminating party or to any "force majeure" (i.e., flood, extraordinary weather conditions, earthquake, other act of God, fire, war, pandemic, insurrection, riot, labor dispute, accident, action of government, communications, or power failure, or equipment or software malfunction) or any other cause beyond the reasonable control of any disseminating party. You understand that the terms of this Agreement may be enforced directly against you by the national securities exchanges and associations providing market data to you. DBS reserves the right to limit the number of free real-time quotes, including those provided through the Services.

You understand that you must use caution when placing orders because the price of securities may change sharply during the trading day or after hours. In addition, you understand and agree that if you cannot pay for a transaction, DBS may liquidate account assets at your risk. Also, you understand that during periods of heavy trading or volatility, the quotes provided as "real time" may not reflect current market prices or quotes. In addition, when quotes are rapidly changing, every quote update may not be reported to you.

You represent and agree that the following statements are and will continue to be true for so long as you have access to the Services: (a) You will not use any information or market data provided by a national securities exchange or association in connection with any professional or commercial activities, unless you agree to notify us if you intend to do so and to pay any additional charges in connection therewith; and (b) You will not use the Services in conjunction with any business as a broker-dealer, investment advisor, futures commission merchant, commodities introducing broker, or commodity trading advisor, member of a securities exchange or association or futures contract market, or an owner, partner, or associated person of any of the foregoing; and (c) If you are employed by a bank or insurance company or an affiliate of either, you will not perform functions related to securities or commodity futures trading activity, except with respect to your personal account(s) with DBS; and (d) You will not access the Services for any purpose other than your own personal, private use.

8. Business continuity plan

DBS is committed to providing continuous customer service and support; however, we recognize that there are potential risks that could disrupt our ability to serve you. We have implemented a business continuity management program with a strong governance model and commitment from senior management. Learn more.

9. Mobile phone number contacts

In order to protect your account, we may review any changes made to your mobile phone number to ensure that a newly entered number is not associated with any known fraudulent activity. You authorize your mobile provider to disclose information about your mobile phone account, such as subscriber status, payment method (whether your account is prepaid or is subject to monthly billing), and device details, if available, to support identity verification, fraud avoidance, and other security purposes for the duration of your business relationship with us. This information may also be shared with certain third-party companies whose services we utilize for security to support your transactions with us for identity verification and fraud avoidance purposes.

By providing us with a mobile phone number, submitting the account application electronically, and opening the account, you consent that we may contact you at that mobile number with telephone calls that may utilize an autodialer or via text messages for the purposes of servicing your account(s) or investigating and preventing fraud. We will not use autodialed calls or texts to contact you for marketing purposes unless we receive your prior express consent. You do not have to agree to receive autodialed calls or texts to your mobile phone number in order to use the products and Services offered by DBS. You can decline to receive autodialed calls and texts to your mobile phone by contacting us through the Plynk app or by calling 833-327-3444 (833-327- DIGI). Standard telephone time and text charges may apply.

10. FINRA BrokerCheck

The Financial Industry Regulatory Authority, Inc. ("FINRA''), offers a BrokerCheck program that provides you with access to the FINRA BrokerCheck hotline at 800-289- 9999 and the FINRA website at finra.org. You can call or email your inquiries and request a brochure that includes information detailing the BrokerCheck program.

11. Incorporation of other agreements

You understand that your use of the Services is subject to the terms of any license agreements that may be included in the Services, and that your use of the Services may be subject to license or usage terms posted online by DBS. You agree to be bound by the terms of such license agreements, including, without limitation, the prohibitions on distribution and copying, and the exclusion of all representations and warranties.

This Agreement is incorporated by reference into all other terms and conditions governing your use of the Services and your DBS account(s).

12. Security

To the extent that the Services use Internet, wireless, or related electronic or telephonic services to transport data or communications, DBS will take reasonable security precautions, but DBS disclaims any liability for interception of any such data or communications. DBS shall not be responsible for, and makes no warranties regarding, the access, speed, or availability of such services.

13. Modification and termination

You agree that DBS may modify, change, or discontinue the Services, in whole or in part, at any time in its sole discretion. You agree that DBS may immediately terminate its provision of the Services to you, and this Agreement, if you breach this Agreement or the DBS Customer Agreement into which this agreement is fully incorporated, if you have jeopardized the proper and efficient operation of the Services, or if you engage in activity which is contrary to DBS's policies. Any unauthorized use of the Services, whatsoever, shall result in automatic termination of this Agreement.

DBS may modify this Agreement at any time without notice to you, except where required by law. When we make changes to this Agreement, we will change the “Last Updated” date specified at the end of this Agreement. The most current version of this Agreement can be reviewed on the DBS website or in the Plynk app. Use of the Services shall constitute acceptance by you of the Agreement in effect as of such time.

You are encouraged to review this Agreement carefully prior to using the Services and each time you return.

14. Disclaimer of warranties

NEITHER DBS NOR ITS THIRD PARTY CONTENT PROVIDERS MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE SERVICES OR THE CONTENT AVAILABLE WITHIN THE SERVICES, INCLUSIVE OF ANY THIRD PARTY CONTENT, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE SERVICES AND ALL CONTENT IS MADE AVAILABLE TO YOU “AS IS” AND “AS AVAILABLE”.

DBS DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, OR SECURE. IF YOU DOWNLOAD ANY MATERIALS FROM THE SERVICES, YOU DO SO AT YOUR RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR OTHER ELECTRONIC SYSTEM OR LOSS OF DATA THAT RESULTS.

NEITHER DBS NOR ITS THIRD PARTY CONTENT PROVIDERS WARRANT THAT THE RESULTS OBTAINED FROM THE USE OF OR RELIANCE ON THE SERVICES OR THE CONTENT AVAILABLE WITHIN THE SERVICES, INCLUDING THIRD PARTY CONTENT, WILL BE ACCURATE OR RELIABLE, OR THAT THE SERVICES OR ANY PRODUCTS, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH USE OF THE SERVICES WILL MEET YOUR NEEDS OR EXPECTATIONS.

IF YOU LIVE IN A STATE THAT DOES NOT ALLOW WARRANTIES TO BE LIMITED OR DISCLAIMED, SOME OR ALL OF THESE PROVISIONS MAY NOT APPLY TO YOU.

15. Copyright policy and trademarks

The Services are protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in anything that appears in the Plynk app or DBS website, including any text, graphics, video, audio, software code, user interface design or logos. All trademarks and service marks on the Services belong to DBS or an affiliate, except third-party trademarks and service marks, which are the property of their respective owners.

If you believe that your work has been copied in a way that constitutes copyright infringement, please contact DBS and provide the following information:

A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright allegedly infringed;
A description of the copyrighted work that you claim has been infringed, or, if multiple copyrighted works are the subject of a single notice, a representative list of such works;
An identification of the allegedly infringing material, and a description of where that material is located on the Plynk app or the DBS website;
Your address, telephone number, and email address;
A statement by you that you have a good faith belief that use of the disputed material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
A statement by you, made under penalty of perjury, that the information you provide in your notice is accurate and that you are the owner of the allegedly infringed copyright, or that you are authorized to act on behalf of the copyright owner.

16. Third party content and research

The Services may include general news and information, commentary, interactive tools, quotes, research reports and data concerning the financial markets, securities and other subjects. Some of this content is supplied by companies that are not affiliated with DBS ("Third Party Content"). DBS has not been involved in the preparation, adoption or editing of Third Party Content and does not explicitly or implicitly endorse or approve such content. The Third Party Content providers do not implicitly or explicitly endorse or approve the Third Party Content, nor do they give investment advice, or advocate the purchase or sale of any security or investment. Past performance is not a guarantee of future performance.

While DBS makes every attempt to provide accurate and timely information to serve the needs of users, neither DBS nor the Third Party Content providers guarantee its accuracy, timeliness, completeness or usefulness, and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. Third Party Content is provided for informational purposes only and DBS and the Third Party Content providers specifically disclaim any responsibility for Third Party Content available on the site. You agree to use Third Party Content only at your own risk.

THE THIRD PARTY CONTENT IS PROVIDED ON AN "AS-IS" BASIS. THE THIRD PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.

THE THIRD PARTY CONTENT PROVIDERS AND THEIR PARENTS, SUBSIDIARIES, AFFILIATES, SERVICE PROVIDERS, LICENSORS, OFFICERS, DIRECTORS OR EMPLOYEES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THE USE OR THE INABILITY TO USE THE THIRD PARTY CONTENT, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE DAMAGES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

As a condition of your use of the Services, you agree to indemnify and hold DBS and its Third Party Content providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of the Services, or from your violation of these Terms.

17. Accuracy of content

ALTHOUGH DBS TRIES TO INCLUDE ACCURATE AND TIMELY INFORMATION ON THE SERVICES, THERE MAY BE INADVERTENT INACCURACIES AND ERRORS, AND NEITHER DBS NOR ITS THIRD PARTY CONTENT PROVIDERS WARRANT THE ACCURACY, COMPLETENESS, AVAILABILITY OR TIMELINESS OF THE SERVICES OR ANY INFORMATION, TEXT, GRAPHICS, LINKS, OR OTHER DBS OR THIRD PARTY CONTENT ON THE PLYNK APP OR SERVICES.

DBS MAY CHANGE THE SERVICES AND ANY CONTENT THEREON AT ANY TIME WITHOUT NOTICE, BUT DBS DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED OR THAT THEY WILL BE CORRECTED IN A TIMELY MANNER.

18. Limitation of liability

NEITHER DBS NOR ANY THIRD PARTY CONTENT PROVIDER WILL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OF ANY KIND, WHETHER CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, INDIRECT OR OTHERWISE. DBS AND ITS THIRD PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM LIABILITY FOR LOST PROFITS, TRADING LOSSES, AND/OR ANY DAMAGES THAT RESULT FROM USE OF OR LOSS OF USE OF OR RELIANCE ON THE SERVICES AND INFORMATION AVAILABLE ON THE SERVICES (WHETHER PROVIDED BY DBS OR THIRD PARTIES). THIS DISCLAIMER OF LIABILITY APPLIES EVEN IF DBS AND/OR ITS THIRD PARTY CONTENT PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.

DBS WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH DBS DOES NOT HAVE DIRECT AND EXCLUSIVE CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE, AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT.

IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU. IF THE LIMITATIONS OF LIABILITIES OR REMEDIES IN THESE TERMS ARE DETERMINED BY A COURT OR ARBITRATION PANEL TO NOT APPLY TO YOU OR TO BE UNENFORCEABLE FOR ANY REASON, THEN YOU EXPRESSLY AGREE THAT THESE PROVISIONS WILL BE CONSTRUED TO APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW AND THAT UNDER NO CIRCUMSTANCES WILL THE TOTAL, AGGREGATE LIABILITY OF DBS AND ALL THIRD PARTY CONTENT PROVIDERS FOR ANY CAUSE WHATSOEVER RELATING TO THIS AGREEMENT, THE SERVICES, OR ANY DBS OR THIRD PARTY CONTENT AVAILABLE WITHIN THE PLYNK APP OR THE SERVICES, EXCEED $100.

19. Indemnification

As a condition of your use of the Services, you agree to indemnify and hold DBS and its Third Party Content providers harmless from and against any and all claims, losses, liability, costs, and expenses (including but not limited to attorneys’ fees) arising from your misuse of the Services or any DBS content or Third Party Content available within the Services, or from your violation of this Agreement.

20. Entire agreement and choice of law

You acknowledge that this Agreement constitutes the entire agreement between DBS and yourself with respect to its subject matter. This Agreement and its enforcement shall be governed by the laws of the Commonwealth of Massachusetts, except with respect to conflicts of law, and shall injure to the benefit of DBS's successors and assigns, whether by merger, consolidation or otherwise. If a court of competent jurisdiction shall deem any provision unenforceable, that provision will be enforced to the maximum extend permissible, and the remaining provisions will remain in full force and effect.

Any controversies or disputes regarding your use of the the Services and this Agreement and its subject matter shall be resolved in accordance with the dispute resolution terms of the DBS Customer Agreement.

Last updated June, 2026