Terms of Use

Welcome to Normavila's website and mobile application (which we refer to in these Terms of Service as the "Site," which also refers to any content, functionality, and services offered on or through the website and/or mobile application). These Terms of Service (these "Terms") are in place to govern your use of, and access to, the Site. The Site is owned and/or operated by Normavila, who we refer to in these Terms, together with our affiliates, as "us," "we," "our," and/or "Normavila." When we refer to "you" and "your" in these Terms, we are referring to you as a visitor to and user of the Site. In addition to these Terms, your use of the Site is governed by all other policies posted on or made available through the Site (referred to collectively as our "Site Policies"), including our Privacy Policy, available here. All of the other Site Policies are incorporated by reference into these Terms.


1. Acceptance of Terms

YOU SHOULD CAREFULLY READ THESE TERMS. By visiting and/or applying for an account from the Site, you are agreeing to be bound by these Terms, which are a binding contract between you and us. If you do not wish to agree to abide by these Terms or any other Site Policy, you should not access or otherwise use the Site.


2. Electronic Communications

Normavila may be required to provide certain legal and regulatory disclosures, periodic statements and confirmations, notices, tax forms and other communications (collectively “Communications”) to you in written form. By agreeing to these Terms, you consent to Normavila delivering such Communications to you in electronic form, including e-mail. Consent for electronic delivery applies to every year the Communications are furnished. If you no longer have access to your account to receive the Communications in electronic format, then you may request the Communication in written form. You agree that all terms and conditions, agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement such communications would satisfy if they were provided in writing. Normavila will use reasonable efforts to honor any request you may have to opt out from receiving certain e-mails. With respect to these Terms, you waive any rights to require an original (non-electronic) signature or delivery or retention of non-electronic records, to the extent such waiver is not prohibited under applicable law.


3. Registration

Basic access to Normavila’s site is publicly accessible. However, to use certain features of our site and platform, you must complete the registration process and then complete Normavila’s account opening procedures. First, you must register for an account by verifying your email address. Upon registering your account, a Normavila Account will be created for you to access your application and other resources. You agree that the registration and other information you provide to open an account is accurate, complete, and current. You further agree to promptly update that information to keep it accurate, complete, and current. YOU UNDERSTAND THAT A CHANGE IN YOUR STATE OF RESIDENCE MAY IMPACT YOUR ELIGIBILITY TO ACCESS AND USE THE ONLINE PLATFORM AND HEREBY AGREE TO NOTIFY US IN ADVANCE OF ANY CHANGE IN YOUR STATE OF RESIDENCE. If you register on behalf of a business entity or other organization, you represent and warrant that you have the authority to provide the information required and to bind the organization to the Terms. You acknowledge and agree that Normavila, in its sole discretion, may suspend or discontinue your, and refuse any and all current and future, access to or use of your Normavila Account at any time without notice to you.


4. Identification, Account Opening, and Regulatory Compliance

Normavila is dedicated to prohibiting and actively preventing money laundering and any activity that facilitates money laundering or the funding of terrorist or criminal activities by observing regional requirements imposed on financial institutions. To that end, Normavila may collect certain information regarding its Clients and their operations pursuant to their internal procedures/policies/programs. Your access to and use of the Services is subject to compliance with Normavila’s compliance policies and programs. We also may obtain personal information from third parties in order to verify your identity or to prevent fraud. Personal information collected from any source may include, among other things, your name and address, Social Security or taxpayer identification number, and date of birth. You certify under penalty of perjury that the information provided is correct. You hereby authorize us, or a third-party service provider that we designate, to take any measures that we consider necessary to confirm the personal information you provide, verify and authenticate your personal information, and take any action we deem necessary based on the results. You acknowledge that this process may result in a delay in registering your Normavila account, and that you may not be authorized to access or use your Normavila account until your registration has been successfully completed. As part of our legal compliance program, moreover, we will monitor your Normavila Account and your use of the Site, and review your personal information on an ongoing basis, as may be required by law or pursuant to our internal policies and procedures. At any time, we may require you to provide us with additional personal information as a condition to your continued access to and use of your Normavila Account. During such time, your access to and use of your Normavila Account may be temporarily restricted.


5. Accuracy of Customer Submitted Information

You agree that any information that you provide (about your identity, finances, and relationships) is accurate, correct, and up-to-date. You agree that you are 18 years of age or older; able to form a binding contract with us; and are acting on your own behalf (and have not been banned, terminated, or otherwise denied access to the Site by Normavila or by law). If you are a United States person, then as a condition of using Normavila’s Site and services, you certify under penalties of perjury that:


- The Social Security number or Employer Identification Number you provide is correct; and

- You are not subject to backup withholding due to the failure to report interest and dividend income.


By submitting information, feedback or other material to Normavila, including on or through the Site or your Normavila Account, you: (i) acknowledge that such information is non-confidential, except for any personal and financial information; (ii) grant Normavila a perpetual, worldwide, royalty-free, irrevocable, transferable, sublicenseable, fully paid-up right to copy, use, reproduce, modify, adapt, publish, create derivative works from, translate, transmit, display, distribute, market, promote, sell or offer for sale, rent or lease such information or materials in any form or medium known or later developed; and (iii) agree that you will have no claim against for any actual or alleged infringement of any proprietary rights, rights of privacy or publicity, moral rights or rights of attribution in connection with our use of any content you provide.


6. Social Media Accounts and Third-Party Sites

In addition to our Site, we also like to interact with you on third party sites where we post content or invite your feedback, such as through our accounts on Facebook, Twitter, Instagram, and LinkedIn (“social media sites”). In addition, we and others may provide links from our Site to web pages, websites, and other resources or locations on the web (including the social media sites, “third party sites”). Please note that we do

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*Normavila is not a bank; instead, we partner with FDIC insured banks to provide deposit account products. Brokerage custody is provided by Pershing LLC, member FINRA , NYSE , SIPC , a BNY Mellon company. Sources: FINRA, SIPC, BNY Mellon Pershing, TreasuryDirect and others.

To provide certain investment features, we have joined forces with Helium Advisors LLC ("Helium"), an SEC-registered investment advisory firm. It is important to note that while we are not directly affiliated with Helium, we do receive compensation based on a percentage of assets managed for us by Helium for promoting their investment advisory services.

*Returns on investments are subject to fluctuations due to market conditions, and actual results may vary based on these changes in interest rates. The estimated returns of up to 5.0% are based on the Treasury Yields as of March 16th, 2023. The information presented in this context is purely for informational purposes and should not be considered as personalized investment advice. It should not be interpreted as a recommendation, offer, or solicitation to purchase or sell any specific security, strategy, or investment product. Investing in securities carries inherent risks, including the potential loss of capital, and past performance is not indicative of future outcomes. Historical returns, projected returns, and probability projections are provided for illustrative and informational purposes only and may not accurately reflect actual future performance. The product images shown are purely illustrative and do not necessarily represent the exact appearance of the product. Personalized investment advice can only be provided through direct one-on-one communication. The materials and services presented in this context are intended for business entities located within the United States of America who are current or prospective customers.

Account opening usually takes 2-3 business days or less, assuming all required documentation is in order. In exceptional cases, the process may take longer.

Address: 9160 Forum Corporate Pkwy, Fort Myers, FL 33905

phone number: (844) 667-6280

email: treasury@normavila.com

2024 © Norma I LLC  (Normavila)