HUMAN INTEREST INC.

DASHBOARD TERMS OF USE

Last updated: January 27, 2026

These Dashboard Terms of Use (“Dashboard Terms”) apply only with respect to the Plan Administrator Dashboard, PartnerConnect and Participant Dashboard. Any capitalized term not otherwise defined herein shall have the meaning ascribed to such term in the Human Interest Inc. Terms of Service, Human Interest Advisors LLC Terms of Service and/or Human Interest Advisors LLC Investment Advisory Agreement, as applicable.

PLEASE NOTE THAT THESE DASHBOARD TERMS CONTAIN AN ARBITRATION PROVISION AND A CLASS ACTION WAIVER PROVISION. THESE AFFECT HOW ANY DISPUTES BETWEEN YOU AND HUMAN INTEREST WOULD BE RESOLVED. PLEASE READ THEM CAREFULLY. YOUR USE OF THE DASHBOARD SERVICES (DEFINED BELOW) SHALL CONSTITUTE YOUR ACKNOWLEDGEMENT THAT YOU HAVE HAD A REASONABLE OPPORTUNITY TO REVIEW AND CONSIDER THESE PROVISIONS AND YOUR ACCEPTANCE THEREOF.

1. General.

(a) These Dashboard Terms govern your use of administrative applications, including, but not limited to the Plan Administrator Dashboard, PartnerConnect and/or Participant Dashboard, as applicable, (the “Dashboard”) provided by Human Interest, Inc. (referred to as “Human Interest,” “we,” “our,” or “us”). The Dashboard provides (i) current and former participants and other eligible employees (“Participants”) in Human Interest’s client plans (the “Plans,” each, a “Plan”) with online access to their account (“Plan Account”) for servicing and investment selection purposes, (ii) Plan administrators with online access to their Plan’s account (each, a “Sponsor Account”) for managing the Plan and (iii) third-party service providers to the Plan with online access to the Account or a partner account (each, a “Partner Account,” and together with Plan Accounts and Sponsor Accounts, “Account”) for advising the Plan (clauses (i)-(iii) collectively, the “Dashboard Services”). 

(b) These Dashboard Terms apply to your use of the Dashboard Services and do not amend any other agreement that may be in effect between us and the sponsor of your Plan (“Plan Sponsor”), or between you or the Plan Sponsor, on the one hand, and Human Interest Advisors LLC (“Human Interest Advisors”), on the other.

(c) Your access of the applicable Dashboard and/or use of the Dashboard Services will constitute your agreement to these Dashboard Terms. 

(i) If you are using the Dashboard Services on behalf of an organization or entity (“Organization”), then you are agreeing to these Dashboard Terms on behalf of that Organization and you represent and warrant that you have the authority to bind the Organization to these Dashboard Terms. (For the avoidance of doubt, the term “you” in these Dashboard Terms refers to both you and the Organization.) 

(d) We may update these Dashboard Terms from time to time, and will inform you of any changes. By continuing to use the Dashboard Services after these Dashboard Terms have changed, you indicate your agreement to the revised Dashboard Terms. 

(e) If you do not agree to these Dashboard Terms, please do not access the applicable Dashboard and/or use the Dashboard Services. 

(f) The most current version of these Dashboard Terms is available via your Dashboard and on our website.

2. Your Representations and Warranties.

(a) By using the Dashboard Services, you represent and acknowledge that you are a resident of the United States and have a United States mailing address (or reside in another jurisdiction as may be specifically approved by Human Interest).

(b) You hereby represent and warrant that you have the capability to (i) access the applicable Dashboard and any related mobile applications provided by us (together, “Human Interest Software”) and (ii) download or print copies of any materials for your records. You acknowledge that you are solely responsible for installation, maintenance and operation of your computer, mobile device, browser and software, and agree to use systems that meet any minimum technical standards specified by us, as such requirements may be updated from time to time (“System Requirements”). You acknowledge that failure to use a computer, mobile device, browser or software that meets such System Requirements may result in the degradation or loss of functionality of Human Interest Software or the inability to access the applicable Dashboard or the Dashboard Services. We are not responsible for errors or failures resulting from any malfunction of your computer, browser or software. We are also not responsible for computer viruses or related problems associated with use of an online system. 

3. Our Data Privacy and Security Procedures. 

(a) You consent to the physical and electronic transmission and storage of your personal and financial information by and between Human Interest and, as applicable, you, your employer’s payroll provider, third-party service providers to the Plan, the Plan, Plan Sponsor, their respective assignees and successors, and other parties as necessary or permissible to continue management of your Account under these Dashboard Terms. If we receive any order, demand, warrant or other regulatory request to compel the production of personal information or any other information you provide to us in connection with your use of the Dashboard Services or our (or Human Interest Advisors’) services in general, we will notify the Plan Sponsor unless we are prohibited from doing so by applicable law.

(b) By submitting content, files and data to the applicable Dashboard for processing, you are confirming that all the information you submit is current, complete and accurate. We are not responsible for independently reviewing, auditing or confirming any of the information you provide to us.

(c) We have implemented a set of security and related procedures that apply to all transactions and uses of the Dashboard and the Dashboard Services. To protect against the risk of loss of any data, there are certain protocols that all users of the Dashboard and Dashboard Services must follow and, by accessing the applicable Dashboard or using the Dashboard Services, you agree to comply with those procedures.

(d) We protect personal information in accordance with applicable law and industry standards. By accepting these Dashboard Terms, you agree that you have read our Privacy Policy at https://humaninterest.com/privacy-policy/. 

4. Your Responsibility to Protect Your Account.

(a) By accessing the applicable Dashboard or using the Dashboard Services, you agree to secure and protect your username and password, make your password sufficiently complex to minimize the risk of unauthorized access to your Account and monitor your Account for any suspicious transactions. You should notify us immediately if the username or password to your Account is compromised or lost or if your Account has been compromised in any way.  You further agree that access to the Dashboard is granted on a per-user basis.  You are strictly prohibited from sharing your username or password with any other individual, including those within your own Organization.  Each authorized user must maintain their own unique credentials.  Any breach of this requirement by an individual shall be deemed a material breach of these Dashboard Terms by the Organization

(b) WE ARE NOT RESPONSIBLE FOR ANY DIRECT OR INDIRECT LOSSES OR DAMAGES ARISING FROM THE UNAUTHORIZED USE OF YOUR ACCOUNT OR PASSWORD BEFORE WE ARE NOTIFIED OF A COMPROMISE.

5. Your Obligation to Monitor Your Account.

For Participants, you will receive notice by email (or another medium agreed to between us and the Plan Sponsor) periodically, but not less than quarterly, that your account statement is accessible and available for online viewing and printing. These statements detail all activity recorded in your Account. We also make a transaction log, which is updated as of the end of each trading day, and is available in the Participant Dashboard. You agree that it is your responsibility to regularly review these records for accuracy and notify us of any discrepancy or error as soon as practicable, as they provide a way for you to find and report any account issues or errors. If you do not periodically receive emails notifying you of your statement availability, you agree to notify us immediately so that we can determine the cause of the notification failure and take appropriate steps to correct it.

6. Accuracy of Account Information. 

You agree to verify the accuracy and completeness of your information on any communications from Human Interest, and to inform us immediately of any inaccuracies so that we may make any necessary adjustments to your Account. You agree to provide Human Interest with updated Account and contact information if information previously provided by you changes at any time. Failure to provide us with updated information could negatively impact your ability to request Account features or distributions, service account loans, designate beneficiaries or manage other Account features.

7. Restrictions on Your Use of the Dashboard Services.

(a) You must use the applicable Dashboard, the Dashboard Services and any and all data contained on or available through the applicable Dashboard only for their intended purposes, which are, as applicable, to support, advise, administer, manage and provide other authorized services to Plans and, as a Participant, to access and administer your Plan Account (collectively, “Permitted Uses”). Access of the applicable Dashboard and use of the Dashboard Services and the data contained thereon for any purpose outside of Permitted Uses is strictly prohibited. By using the applicable Dashboard and the Dashboard Services, you agree not to (and will not permit or authorize a third-party to), directly or indirectly: (i) reverse engineer, decompile, disassemble or otherwise attempt to discover the source code, object code or underlying structure, ideas or algorithms of the Dashboard Services or our (or Human Interest Advisors’) services in general (except to the extent applicable laws specifically prohibit such restriction); (ii) modify, translate or create derivative works based on the Dashboard Services or our (or Human Interest Advisors’) services in general; (iii) copy, rent, lease, distribute, pledge, assign or otherwise transfer or encumber rights to the Dashboard Services (including without limitation any of the education materials, tutorials, or documents provided to you about the Dashboard Services) or our (or Human Interest Advisors’) services in general; (iii) allow any other person to use the Dashboard Services on your behalf, except pursuant to your express authorization; (iv) use our proprietary logo(s) without our prior written consent or otherwise remove, delete, alter or obscure any trademarks or any copyright, trademark, patent or other intellectual property rights notices provided on or with the Dashboard Services; (v) use the Dashboard Services for any purpose other than as stated in these Dashboard Terms (including, but not limited to, building an application or product that is competitive with our (or Human Interest Advisors’) products or services); (vi) use the Dashboard Services in a manner that interferes with the use of the Dashboard Services by other end users; (vii) access or attempt to access any data via the Dashboard Services that does not belong to you or that you are not authorized to access; (viii) use the Dashboard Services to transmit or upload any software, files, records or other materials that contain any virus, worm, time bomb, trojan horse or other harmful or disruptive component; (ix) use any robot, spider, site search/retrieval application or other manual or automatic device or process to retrieve, index, “data mine” or in any way reproduce or circumvent the navigational structure or presentation of the Dashboard Services; (x) probe, scan or test the vulnerability of any system or network or breach any security or authentication measures; (xi) use any data or information available through the applicable Dashboard or the Dashboard Services for marketing purposes; (xii) sell or share any data or information available through the applicable Dashboard or Dashboard Services for cross contextual behavior advertising; (xiii) use the Dashboard Services for any illegal and/or unauthorized purpose; (xiv) use any Robotic Process Automation (“RPA”), “bots,” or similar automated data optimization, collection or extraction tool to access the Dashboard or Dashboard Services; or (xv) perform bulk downloads of data or content in a manner not provided directly by the Dashboard, or otherwise attempt to circumvent the Dashboard’s user interface to aggregate information for use outside of the Permitted Uses. 

(b) We disclaim any and all liability for any unauthorized use or misuse of the Dashboard Services or any data contained in the applicable Dashboard by you, Plan Sponsor, any service provider to the Plan or any other third-party that may be authorized to access your data through the Dashboard. We also reserve our rights under the Human Interest Inc. Terms of Service, Human Interest Advisors LLC Terms of Service and/or Human Interest Advisors LLC Investment Advisory Agreement, as applicable in the event you violate these Dashboard Terms.

8. Communications.

(a) Electronic Transactions, Notices, Statements, Investment Education and Disclosures (collectively, “Plan Communications”).

(i) We may deliver Plan Communications on behalf of ourselves, Human Interest Advisors or the Plan Sponsor via the applicable Dashboard, the Human Interest website or email to the email address provided to us by you and/or the Plan Sponsor. We reserve the right to specify the form in which any Plan Communication is delivered, provided that such method complies with applicable law. 

(ii) Unless explicitly required by law, any requirement for a writing or signature, such as for the designation of beneficiaries, loan or distribution request or other instruction to or from us, may be rendered in any form that can reasonably be expected to be accessible to the Plan Sponsor and Participants, that can be converted into an accurate physical record or that can be used to confirm the identity or authority of the sender.

(iii) All Plan Communications that we create are stored in the applicable Dashboard.

(b) Other Communications.

(i) We may send other communications to you at your mailing address, your email address or, subject to applicable consent for SMS messaging, your mobile phone number, as provided to us by you or your Plan Sponsor, and you agree to accept all such communications. 

(ii) You agree to receive electronic communications from us through our website or applicable Dashboard. For example, we may deliver our required annual privacy notice and amendments to these Dashboard Terms to you by posting them on our website. 

(c) We will not impose any additional charge to you for such electronic communication and will provide the specialized software, if any, needed to view such electronic documents at no charge to you. You are responsible for fees associated with internet access or usage, as well as installation, maintenance and operation of your computer, mobile device, browser and software in a manner that meets the System Requirements specified by us from time to time pursuant to Subsection 2.b. 

(d) We will rely on the accuracy of the most current email address, mailing address and phone number provided to us by you or the Plan Sponsor. You agree to notify us promptly if your email address, mailing address or mobile phone number changes and to keep all Account information current and accurate. 

9. Service Interruption.

(a) We periodically perform routine website maintenance to optimize the performance of the Dashboard Services. As a result, you may occasionally see a posted notification that a particular feature or service is temporarily unavailable. We generally limit routine maintenance to non-business hours to minimize its potential impact on you. Most routine maintenance is brief, and any service or feature interruptions it may cause are expected to be resolved promptly. 

(b) We occasionally perform more significant website maintenance or upgrades that require a longer time to complete. We endeavor to provide advanced notification and details on our website regarding such maintenance, including the expected duration and service impacts of any such activities. 

(c) You agree that we are not liable for any losses caused directly or indirectly by systems maintenance and associated delays, extraordinary events or conditions beyond our control such as government actions, securities exchange or market rulings, suspensions of trading or other third-party errors, failures or outages.

10. Client Service and Troubleshooting.

Our client service team is available to assist you between 9:00 am and 5:00pm PST on days on which the New York Stock Exchange is open for business, except the day after Thanksgiving and Christmas Eve. We can be reached by email at [email protected] or by calling our helpline at (855) 622-7824.

11. Limited Dashboard Services Performance Warranty.

(a) WE WARRANT THAT THE DASHBOARD SERVICES WILL PERFORM SUBSTANTIALLY AS DESCRIBED IN THESE DASHBOARD TERMS. WE DO NOT WARRANT, GUARANTEE OR MAKE ANY REPRESENTATION THAT THE DASHBOARD SERVICES WILL MEET YOUR REQUIREMENTS OR THAT THE USE OF THE DASHBOARD SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. NO OTHER VERBAL OR WRITTEN INFORMATION PROVIDED BY US WILL CREATE A WARRANTY OR INCREASE OUR LIABILITY. EXCEPT AS EXPRESSLY PROVIDED HEREIN, THE DASHBOARD SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. ANY WARRANTIES IMPLIED BY LAW, THE COURSE OF DEALING OR OTHERWISE ARE EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW. 

(b) Notwithstanding any provision to the contrary, we are not responsible for and do not guarantee the accuracy, timeliness, completeness or usefulness of any data or other content obtained from third-party sources (“Third-Party Content”) that is displayed or reported through the Dashboard Services. We do not explicitly or implicitly endorse or approve Third-Party Content. Reliance on Third-Party Content available on or through the Dashboard Services is at your own risk. 

12. Indemnification; Limitation of Liability.

(a) To the maximum extent permitted by applicable law, you agree to defend, indemnify and hold harmless Human Interest, its parent and affiliate companies and their respective officers, directors, employees, agents, representatives, insurers and assigns from any and all claims arising out of your breach of these Dashboard Terms and any of your activities related to or in connection with the Dashboard Services.

(b) TO THE FULLEST EXTENT PERMITTED BY LAW, HUMAN INTEREST WILL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE DASHBOARD SERVICES OR ANY THIRD-PARTY’S USE OF THE DASHBOARD SERVICES. THESE EXCLUSIONS INCLUDE, WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS, LOST DATA, COMPUTER FAILURE OR THE VIOLATION OF YOUR RIGHTS BY ANY THIRD-PARTY, EVEN IF HUMAN INTEREST HAS BEEN ADVISED OF THE POSSIBILITY THEREOF AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY UPON WHICH THE CLAIM IS BASED. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF HUMAN INTEREST ARISING OUT OF OR RELATED TO YOUR USE OF ANY SERVICES PROVIDED BY HUMAN INTEREST EXCEED THE GREATER OF (I) THE AMOUNT YOU PAID FOR      OUR (OR HUMAN INTEREST ADVISORS’) SERVICES IN GENERAL      IN THE PAST TWELVE (12) MONTHS OR (II) $500.

13. Disputes.

(a) You agree that any dispute or claim arising out of your use of the Dashboard Services, including any dispute or claim as to the application, enforceability, scope or interpretation of this agreement to arbitrate, will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. 

(b) The Federal Arbitration Act and federal arbitration law apply to these Dashboard Terms. There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, subject to these Dashboard Terms, an arbitrator can award the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must follow these Dashboard Terms.

(c) Arbitration shall be administered by the Judicial Arbitration and Mediation Dashboard Services, Inc. (“JAMS”), pursuant to the most-current JAMS Streamlined Arbitration Rules & Procedures, and conducted by a single, neutral arbitrator. The JAMS rules are available on JAMS’ website, www.jamsadr.com. Arbitration hearings will take place in San Francisco. To the extent that (i) the JAMS Policy on Consumer Arbitrations Pursuant to Pre-Dispute Clauses Minimum Standards of Procedural Fairness (the “Minimum Standards'') applies and (ii) this Section 13 (Disputes) conflicts with the Minimum Standards, the Minimum Standards will apply.

(d) We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, group or representative action. The parties agree to the application of the JAMS Mass Arbitration Procedures and Guidelines, as may be amended, to any Mass Arbitrations (as defined therein). If for any reason a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial. We also both agree that notwithstanding our agreement to only arbitrate disputes as stated above, you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.

(e) If any part or parts of this Section 13 (Disputes) are found to be invalid or unenforceable, then such specific part or parts shall be of no force and effect and shall be severed and the remainder of this Section 13 (Disputes) shall continue in full force and effect.

14. Choice of Law.

These Dashboard Terms, the relationship of the parties and disputes (as described above in Section 13 (Disputes)) will be governed by the laws of the State of California (without regard to conflicts of law principles). You and we agree that these Dashboard Terms affect interstate commerce and that the interpretation and enforceability of the Section 13 (Disputes) above shall be both substantively and procedurally governed by and construed and enforced in accordance with the Federal Arbitration Act, 9 U.S.C. § 1 et seq., to the maximum extent permitted by applicable law.

15. Severability. 

If any part of these Dashboard Terms are found to be invalid or unenforceable, it will not affect the validity or enforceability of any other part of these Dashboard Terms, which will continue in full force and effect.

16. Important Disclosures.

(a) Human Interest will use reasonable care, consistent with industry practice, in providing the Dashboard Services to you. To the extent permitted by applicable law, Human Interest assumes no liability for any losses resulting from your failure to provide us with complete, accurate and current information. 

(b) While we provide you with tools and ways to manage your Account (including, but not limited to, providing educational information concerning contribution rates based on industry standards and Participant’s income), such tools and educational information should not be construed as investment, tax, legal or accounting advice. You should consult your own investment, tax, legal and accounting advisors before engaging in any transaction. You agree that we do not provide such advice and that all decisions about investing and trading in your Account are made by you or someone you have authorized.

(c) Human Interest Advisors is a subsidiary of Human Interest Inc. and a registered investment advisor. While you may make certain investment-related selections via the applicable Dashboard, Human Interest Advisors separately offers and provides investment advisory services in connection with such selections under a separate advisory agreement with you, if applicable. All such investment advisory services are separate from the Dashboard Services. For more information, please click here.

(d) Nothing in these Dashboard Terms may be read to waive compliance with the Investment Advisers Act of 1940 or the rules thereunder, or ERISA or the rules or any order thereunder.