Website Terms of Use

1. Acceptance of These Terms

These Website Terms of Use (the "Terms") govern access to and use of the public website at rigdencapital.com and www.rigdencapital.com, including related pages, insights, forms, and content we publish there (the "Site"). The Site is operated by Rigden Enterprises LLC, a Colorado limited liability company doing business as Rigden Capital Strategies (the "Firm," "we," "us," or "our").

By accessing or using the Site, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Site. These Terms apply to visitors, prospective clients, and members of the public. They do not replace, and do not modify, any investment advisory agreement, financial-planning agreement, ERISA agreement, Form ADV, Form CRS, or other written disclosure delivered to a client.

2. Who We Are

The Firm is an investment adviser registered with the U.S. Securities and Exchange Commission. SEC File No. 801-132101. CRD No. 326930. Registration does not imply a certain level of skill or training, and it does not imply that the SEC has approved the Firm, its personnel, or the content of this Site.

Principal office: 384 Inverness Parkway, Suite 240, Englewood, Colorado 80112. Telephone: (303) 351-2356. Email: info@rigdencapital.com.

Our current Form ADV Part 2A brochure, Part 2B brochure supplements, and Form CRS are available through the SEC Investment Adviser Public Disclosure database and through our disclosures page.

Paper copies are available on request at info@rigdencapital.com. The brochure and Form CRS — not this Site — control the description of our services, fees, and conflicts of interest.

3. No Advisory Relationship From Use of the Site

Browsing the Site, reading an article, using a contact form, subscribing to insights, attending a webinar announced on the Site, or exchanging informal email does not make you a client and does not create an investment-advisory, financial-planning, fiduciary, or other professional relationship.

An advisory relationship begins only when both of the following have occurred: we have delivered the then-current Form ADV Part 2A and Form CRS (and any required Part 2B), and you and the Firm have signed a written agreement that describes the services and the fee. Until then, we have no duty to update you, monitor your situation, or act on information you send us.

Nothing on the Site is an offer to sell, or a solicitation of an offer to buy, any security, and nothing on the Site is a solicitation of advisory services in any jurisdiction where the Firm is not notice-filed or otherwise permitted to provide those services. The Firm notice-files where required. A branch office or a supervised person's residence in a state is not, by itself, an offer of services in that state.

4. Nature of the Content

Content on the Site — including service descriptions, team biographies, frequently asked questions, market commentary, retirement, tax, estate, insurance, equity-compensation, and real-estate articles, and any calculator, checklist, or illustration we may add — is general information and educational background. It is not personalized investment, tax, accounting, legal, insurance, or regulatory advice, and it is not a recommendation that any particular security, strategy, allocation, or product is suitable for you.

Articles reflect the view of the author as of the publication date. Markets, tax law, and our views change. We are not obligated to update Site content, and we may correct or remove it without notice. Case studies, if any, are illustrative. They are not a promise of a similar outcome.

Do not send account numbers, Social Security numbers, passwords, or other sensitive financial information through a public contact form, blog comment, or social-media message. Those channels are not a secure client portal.

5. Investment Risk and Performance

Investing involves risk, including the possible loss of principal. There is no guarantee that any strategy or recommendation proposed or implemented by a representative of the Firm will be profitable or meet its stated objectives. No strategy can assure a profit or protect against loss in all market conditions.

Past performance is not a reliable indicator of future results. Any index level, return, or market statistic on the Site is for context. An index is unmanaged, does not reflect fees or trading costs, and cannot be invested in directly. Hypothetical, back-tested, or model results, if shown, have inherent limitations and do not represent actual client trading.

6. Tax, Legal, Accounting, and Insurance

The Firm does not provide legal advice. Tax discussion on the Site is general. Unless a written engagement says otherwise, the Firm does not prepare tax returns and does not act as your attorney. An Enrolled Agent or CPA designation held by a supervised person does not, by itself, make the Firm your tax preparer or your accountant.

The Firm's investment-advisory services are fee-only. Clients pay the Firm. The Firm does not sell commissioned securities products, and the Firm does not receive commissions, 12b-1 fees, or insurance commissions for advisory services.

Insurance. The Firm does not sell insurance as a service of the advisory firm, and the Firm does not receive commissions, referral fees, or other third-party compensation for an insurance product. Certain supervised persons may hold insurance licenses and may conduct outside business activities. Those activities, if any, are disclosed in the applicable Form ADV Part 2B brochure supplement and on Form U4. An insurance transaction, if you pursue one, is separate from the advisory relationship unless a written disclosure says otherwise, and placement is through a separately licensed person or agency, not through the Firm's advisory agreement.

7. Testimonials, Endorsements, and Ratings

If the Site or a linked social-media account displays a client testimonial, endorsement, third-party rating, or performance presentation, that material is subject to Rule 206(4)-1 under the Investment Advisers Act (the Marketing Rule) and to the disclosures that accompany it. A testimonial is not representative of every client's experience. A third-party rating reflects the criteria of the rating organization, which you should read. Compensation for a testimonial or endorsement, if any, will be disclosed as required. The absence of a testimonial on a page does not mean every client had a favorable experience.

8. Third-Party Sites, Custodians, and Tools

The Site may link to third-party sites, including custodians, planning tools, regulators, and news sources. Those links are for convenience. We do not control, endorse, or accept responsibility for third-party content, privacy practices, or security. Custodial portals (including Charles Schwab, Apex, and Betterment, as applicable) are operated by the custodian, not by the Firm. Your use of a custodian site is governed by that custodian's terms. The Firm is not a broker-dealer and does not custody client assets, except to the extent fee deduction is treated as custody under Rule 206(4)-2.

A promoter, technology provider, or turnkey asset-management platform is not the Firm. Their materials, if linked, are not our Form ADV.

9. Social Media

The Firm and its supervised persons may maintain pages or profiles on LinkedIn, Facebook, X, and similar services. Posts on those services are subject to the same limits as the Site: they are general information, not personalized advice, not an offer or solicitation, and not a client communication. Comments and direct messages are not a confidential advisory channel. We may remove or decline to respond to comments. A "like," follow, or share is not an endorsement of the other party's products, politics, or performance.

10. Your Submissions

If you submit information through a form, email, or subscription box, you represent that the information is accurate and that you have the right to provide it. We may use it to respond to you, to operate the Site, and as described in the Privacy Policy. Unsolicited ideas, strategies, or creative materials you send us may be used without obligation to you. Do not submit material that infringes another person's rights.

You consent to receive electronic replies at the email address you provide. Those replies are not encrypted end-to-end. Marketing emails, if any, will include a way to opt out. Transactional and regulatory communications to clients are governed by the advisory agreement, not by a marketing opt-out.

11. Privacy

Our public Privacy Policy describes information collected from Site visitors. Our Regulation S-P privacy notice describes nonpublic personal information collected from clients and is delivered as required. We do not sell client nonpublic personal information. The privacy notice controls over these Terms if they conflict on a privacy point.

12. Intellectual Property

The Site and its content — text, graphics, logos, the Rigden Capital Strategies name, page design, and compilations — are owned by the Firm or its licensors and are protected by copyright, trademark, and other law. You may view and print a reasonable number of pages for your personal, non-commercial use, with notices intact. You may not copy, scrape, frame, mirror, or reuse the Site for a commercial purpose, or suggest that we endorse you, without our prior written consent. Trademarks of third parties, including credentialing bodies, remain their property. Use of a professional designation on the Site means the named person holds that designation, subject to the issuing organization's rules.

13. Acceptable Use

You agree not to:

• Use the Site in violation of law, including securities, privacy, and anti-spam law.
• Attempt to gain unauthorized access to the Site, a client portal, or another user's information.
• Introduce malware, overload the Site, or scrape it in a way that degrades service.
• Post content that is unlawful, defamatory, or infringing.
• Misrepresent your identity or your relationship with the Firm.

We may suspend access to the Site, or to a form, for any reason, including a suspected violation of these Terms.

14. Disclaimer of Warranties

The Site is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and we do not warrant that the Site will be uninterrupted, error-free, or free of harmful components. We do not warrant the accuracy or completeness of third-party data displayed on the Site.

This disclaimer does not limit a duty the Firm owes to a client under a signed advisory agreement or under the Investment Advisers Act. It allocates risk for use of a public website.

15. Limitation of Liability

To the fullest extent permitted by law, the Firm and its members, supervised persons, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits or data, arising out of your use of, or inability to use, the Site, even if we have been advised of the possibility.

Nothing in these Terms limits liability that cannot be limited under federal securities laws, ERISA, or other law that applies to an existing client relationship. Nothing in these Terms is a hedge clause that would cause a client to waive a right under the Investment Advisers Act. Claims by a client about advisory services are governed by the advisory agreement and applicable law, not by this public-website limitation.

16. Indemnity

You will indemnify and hold harmless the Firm and its members, supervised persons, and agents from third-party claims, losses, and reasonable expenses (including reasonable attorneys' fees) arising out of your misuse of the Site, your violation of these Terms, or your violation of another person's rights, except to the extent caused by our willful misconduct. This indemnity does not apply to a client's claim about advisory services provided under a signed agreement.

17. Geographic Scope

The Site is operated from the United States. We do not represent that the Site is appropriate or available outside the United States. If you access it from elsewhere, you do so on your own initiative and are responsible for local law.

18. Changes

We may change these Terms by posting a revised version on the Site and updating the effective date. Continued use after the new effective date is acceptance of the revision. We may also change or discontinue the Site. A change to these Terms does not amend a signed advisory agreement.

19. Governing Law and Disputes

These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law rules, except where federal securities law applies. Subject to the next sentence, exclusive venue for a dispute arising out of these Terms or use of the Site lies in the state courts located in Arapahoe County, Colorado, or the United States District Court for the District of Colorado. This venue clause does not apply to a regulatory proceeding, and it does not limit a forum that applicable law requires be available for a securities or advisory claim.

These Terms do not require arbitration of website disputes. Arbitration, if any, is only as set out in a signed advisory agreement.

20. Miscellaneous

• Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and the Firm about use of the public Site. They do not supersede a client agreement.
• Severability. If a provision is held unenforceable, the rest remains in effect. A hedge-clause limitation that cannot be enforced against a client will be read down to the enforceable extent.
• No waiver. A failure to enforce a provision is not a waiver.
• Assignment. You may not assign these Terms. We may assign them in connection with a reorganization of the Firm.
• Headings. Headings are for convenience only.
• Contact. Questions about these Terms: info@rigdencapital.com, or Rigden Capital Strategies, 384 Inverness Parkway, Suite 240, Englewood, Colorado 80112, (303) 351-2356.

21. Text Messages (SMS)

You agree to receive information messages (appointment reminders, account notifications, etc.) from Rigden Enterprises. Message frequency varies. Message and data rates may apply. For help, reply HELP or email us at support@rigdencapital.com. You can opt out at any time by replying STOP.