Clear boundaries.
Plain language.

The production Terms of Use will govern access to the public website and, separately where appropriate, the employee, employer and administrative experiences. Final provisions concerning eligibility, permitted use, intellectual property, disclaimers, limitations, disputes, governing law and account-specific agreements must be drafted and approved by counsel.

CapitalEvolve is intended to provide technology, employer administration, payroll/contribution integrations and an employee account interface. Securities would be held and transactions executed through a regulated third-party financial provider. CapitalEvolve does not plan to place customer assets in its ordinary corporate operating account.

CapitalEvolve is not a bank, savings account, broker-dealer, custodian, 401(k), retirement plan or guaranteed investment product. It is intended as an employer-supported investing benefit that complements rather than replaces qualified retirement plans.

Any reference to an “income” portfolio describes an investment objective, not promised income. Dividends and distributions are not guaranteed and may be reduced, changed or suspended.

The 0.25% fee is intended to apply to account assets, not only gains, dividends or distributions. Final billing frequency, valuation method, assets included, fee recipient and deduction mechanics depend on the advisory, brokerage and commercial structure and must be disclosed before authorization.

Underlying ETFs or funds may charge their own expense ratios. Brokerage, regulatory, banking, transfer, paper-document or other third-party charges may apply. Final charges will be disclosed before account opening or an applicable transaction.

Planned experiences may include Conservative, Moderate, Aggressive and Income approaches. No portfolio displayed on this website is currently offered or recommended.

If personalized recommendations are introduced, the experience is intended to gather investment objective, time horizon, risk tolerance, liquidity needs, financial circumstances, expected use of funds and relevant investing experience. The product must explain why a recommendation was generated and retain an auditable record of the inputs and result.

Do not activate personalized advice, managed portfolios or methodology claims until the responsible advisory entity, registration, agreements, policies and compliance procedures are legally effective.

After a provider is contracted, this disclosure will identify the exact legal entity, services, registrations and verified FINRA/SIPC membership if applicable. SIPC should never be described as insurance against market loss. SIPC does not protect against declines in the market value of securities.

If a future provider offers an FDIC-insured bank sweep, the site will separately explain which eligible cash is swept, the participating banks and applicable limits. Securities themselves are not FDIC insured.

Account onboarding is intended to include a dedicated consent to electronic delivery of agreements, brokerage documents, privacy notices, statements, tax documents, trade-related documents, regulatory disclosures and updates to terms.

The production system must retain the user, timestamp, document and version, consent action and legally appropriate IP/device metadata. A generic unaudited checkbox is not sufficient.

Final employer agreements must address eligibility, contribution formulas and limits, funding, payroll responsibilities, corrections, data sharing, program changes or termination, employee communications, fees, tax responsibilities and permitted public identification.

Permission to list an employer’s name, logo or relationship description must be captured separately. Public-identification permission does not automatically create testimonial or endorsement rights.

Employer contributions and program expenses may have tax consequences that depend on the employer’s circumstances and program structure. Employers should consult their tax advisers regarding deductibility and payroll treatment.

CapitalEvolve intends to make its public and authenticated experiences usable with assistive technology and across common device sizes. The final accessibility statement must identify supported standards, known limitations, a response process and a working accessibility contact.

CapitalEvolve intends to maintain incident response, backup, recovery and vendor-continuity processes appropriate to its services. The brokerage/custody provider will maintain its own business-continuity arrangements.

Compliance inquiries: [compliance contact to be added before launch]

This placeholder must be replaced with a monitored contact and response workflow before production launch.

CapitalEvolve does not currently represent that it or CapitalEvolve Advisors LLC is an effective registered investment adviser. If an advisory entity is established and registration becomes legally effective, this section will identify the exact entity and jurisdiction and link to the applicable Form ADV. Registration must not be described as government approval or endorsement.

If Form CRS becomes applicable to a legally effective registered entity, the current, filed relationship summary will be made available here. No placeholder document is presented as filed or approved.