Effective Date: 03/01/2026

1. Introduction

These Terms and Conditions ("Terms") govern your access to and use of the proprietary financial technology platform and digital services provided by Bread Squared LLC. By accessing our platform, utilizing our API, or engaging our financial services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Description of Services

Bread Squared LLC provides a suite of financial technology solutions, including but not limited to:

Digital Asset Management & Integration

Automated Fiscal Portfolio Optimization

Financial Strategy Consultations

System Architecture Upgrades & Maintenance

All services are subject to market availability, technical feasibility, and strict compliance with local and federal financial regulations.

3. SMS & Digital Communication Terms

By opting into SMS communications, you consent to receive encrypted or standard text messages from Bread Squared LLC for the following operational purposes:

Multi-Factor Authentication (MFA) & Security Alerts

Real-Time Transaction Notifications

Account Status & System Updates

Market Insights & Promotions (if explicitly opted in)

Protocol & Disclosures:

Frequency: Message frequency is based on account activity and system triggers.

Rates: Standard message and data rates may apply per your carrier agreement.

Opt-Out: You may terminate SMS services at any time by replying STOP. A final confirmation message will be sent to verify your removal from the registry.

Support: For technical assistance, reply HELP or contact:

Phone: +1 713-438-2992

Email: [email protected]

Carrier Liability: Network providers and mobile carriers are not liable for delayed or undelivered transmission of time-sensitive financial data.

4. Eligibility & Age Restriction

You must be at least 18 years of age and possess the legal capacity to enter into binding financial contracts to use our platform. We do not knowingly provide financial services to individuals under 18. We reserve the right to immediately terminate access and purge any data associated with unauthorized minor accounts.

5. User Obligations & Conduct

As a user of this platform, you agree to:

Provide verified and accurate financial and identity information.

Refrain from reverse-engineering, scraping, or misusing the platform infrastructure.

Adhere to all applicable Anti-Money Laundering (AML) and Know Your Customer (KYC) laws.

6. Fiscal Terms, Payments & Refunds

Fee Structure: Service fees, management costs, and transaction levies are due as outlined in your specific Service Agreement or Digital Fee Schedule.

Late Fees: Overdue balances or failed settlements may incur administrative penalties and interest as permitted by law.

Refunds: Refund eligibility is strictly defined within individual service contracts and is subject to the settlement status of the transaction.

7. Intellectual Property & Proprietary Rights

All platform content—including source code, algorithms, proprietary UI/UX designs, logos, and financial models—is the exclusive intellectual property of Bread Squared LLC. Unauthorized reproduction or distribution of our tech stack is strictly prohibited.

8. Limitation of Liability

To the maximum extent permitted by law, Bread Squared LLC shall not be liable for any indirect, incidental, or consequential financial losses, data breaches resulting from user negligence, or market-driven fluctuations arising from the use of our services.

9. Termination of Access

We reserve the unilateral right to suspend or terminate platform access for users who violate these Terms, engage in fraudulent activity, or pose a risk to the security of our financial ecosystem.

10. Privacy Integration

Your use of our services is concurrently governed by our Privacy Policy, which details our data encryption and protection standards. Review it here: https://optin.breadsquared.com/privacy-policy

11. Amendments to Terms

We reserve the right to modify these Terms to reflect evolving financial regulations or technological advancements. Continued use of the platform following an update constitutes legal acceptance of the revised Terms.

12. Contact Information

For inquiries regarding these Terms or our compliance protocols: Bread Squared LLC
Phone: +1 713-438-2992
Email: [email protected]