Terms of Service

Effective date: October 23, 2026

These Terms of Service (the "Terms") govern your use of the LYN – Light Years Network mobile application, the website at lightyearsnetwork.com, and related services (together, the "Service"). The Service is operated by Light Years Network, LLC, a Delaware limited liability company ("LYN", "we", "us", or "our").

1. Acceptance of these Terms

By creating an account, tapping "Join with invite," or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service. We may update these Terms from time to time. If a change is material, we will notify you in the app or by another reasonable method before it takes effect. Continued use after the effective date means you accept the updated Terms.

2. Eligibility and accounts

• You must be at least 18 years old and able to form a binding contract to use the Service. The Service is not directed to minors.
• Membership is by invitation. You may only join using an invite code that was shared with you by an existing member or by us.
• You sign in with a one-time code sent to your mobile phone number. The number must be yours, and you are responsible for keeping control of your phone and SIM. Standard messaging and data rates from your carrier may apply.
• One account per person. You must provide an accurate display name and may not impersonate anyone.
• You are responsible for all activity on your account. Tell us at support@lightyearsnetwork.com right away if you believe your account has been used without permission.
• You may not use the Service if you are barred from doing so under the laws of the United States or any other applicable jurisdiction.

3. Not a brokerage. Not investment advice.

LYN is a social networking service. LYN is not a registered broker-dealer, investment adviser, exchange, or financial institution and is not registered with the U.S. Securities and Exchange Commission, FINRA, the Commodity Futures Trading Commission, or any state or foreign regulator. LYN does not execute trades, hold funds, custody securities or digital assets, or connect to brokerage accounts.

All content on the Service, including posts, comments, "bullish" and "bearish" tags, watchlists, and self-reported positions, is created by users and reflects only the personal opinion of the person who posted it. Such content is provided for informational and entertainment purposes only. It is not, and must not be treated as, investment, financial, legal, or tax advice, a research report, or a recommendation, offer, or solicitation to buy, sell, or hold any security, digital asset, or other financial product. Content is not personalized to you and does not take your financial situation into account.

Positions that users log in the app are self-reported and unverified. We do not audit them and make no representation that they are accurate or that any user has any particular track record.

Figures we calculate. The Service may display figures that LYN computes from third-party market data, such as the change in an asset's price since a post was published. These figures are arithmetic on delayed, unverified price data. They do not reflect any actual trade, ignore fees, spreads, taxes, dividends, and timing, may be inaccurate, and are not a performance record, track record, or measure of any user's skill. They are shown for context only.

Aggregates. Features such as "trending" tickers, bullish and bearish counts, or similar summaries are generated automatically from member activity on the Service. They show what members are talking about. They are not an endorsement, rating, ranking, or recommendation by LYN of any security or digital asset.

Investing involves risk, including the possible loss of the entire amount invested. Digital assets are especially volatile. Past performance does not guarantee future results. You alone are responsible for evaluating any information on the Service and for your own investment decisions. Consider consulting a licensed financial professional before acting.

4. Market data

Price quotes and market data in the Service are supplied by third-party providers (currently Finnhub for equities and Coinbase for digital assets). Data may be delayed, incomplete, inaccurate, or unavailable, and is provided "as is" without warranty of accuracy, completeness, or timeliness. Market data is for your personal, informational use within the Service only. You may not scrape, redistribute, resell, or otherwise commercially exploit market data obtained through the Service, and you agree to comply with any applicable provider terms.

5. Your content

Ownership. You keep ownership of the posts, comments, photos, and other material you submit ("Your Content").

License to us. So that we can run the Service, you grant LYN a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, display, and distribute Your Content, in accordance with your visibility settings, for the purpose of operating, improving, securing, and promoting the Service. This license ends when Your Content is deleted from our systems, except where it has been shared with other users, is retained in backups for a limited period, or where we are required to keep it by law.

Immutability. Posts cannot be edited after they are published. You can delete your own posts and comments, and deleting your account removes your content from the Service, subject to Section 13.

Your promises. You represent that you have the rights needed to submit Your Content, that it is accurate to the best of your knowledge where it states facts, that it complies with these Terms and the law, and that it does not contain material non-public information about any issuer that you are prohibited from disclosing.

No pre-screening. We do not review content before it is posted and are not responsible for content posted by users. We are a host of user content, not its publisher, to the fullest extent permitted by law, including 47 U.S.C. § 230.

6. Community rules

You agree not to do, or attempt to do, any of the following on or through the Service:

• Engage in market manipulation of any kind, including "pump and dump" schemes, coordinated hype, spreading false or misleading information about an issuer or asset, or posting with the intent to move a price.
• Share or trade on material non-public information, or solicit it from others.
• Promote a security or digital asset in which you are compensated to promote without clearly disclosing that compensation.
• Offer or solicit personalized paid investment advice, hold yourself out as a licensed professional if you are not one, or run any unregistered investment scheme.
• Impersonate any person or entity, or misrepresent your affiliation with anyone.
• Harass, threaten, bully, or intimidate anyone; post hate speech, sexually explicit material, or content that promotes violence or self-harm.
• Post spam, unsolicited promotions, referral or affiliate links, or scams, or use bots or automation to post or interact.
• Upload malware, or interfere with, probe, or circumvent the security or integrity of the Service.
• Scrape, crawl, or bulk-collect content or data from the Service, or use the Service to build a competing product.
• Violate any law, or infringe anyone's intellectual property, privacy, or other rights.

If you are subject to professional or issuer rules. If you are associated with a broker-dealer, investment adviser, bank, or other regulated firm, or you are an officer, director, employee, or other insider of a public company or token issuer, you remain solely responsible for complying with your firm's or issuer's policies, including trading windows, pre-clearance, personal-account dealing, and communications supervision and record-keeping rules. LYN does not archive or supervise communications on your behalf.

7. Moderation, reporting, and blocking

Every post in the Service can be reported, and every user can be blocked. Blocking a user hides you from each other and removes each other's content from your feeds. When a post receives multiple independent reports it is automatically hidden from other users pending review. We have the right, but not the obligation, to review, hide, or remove any content and to suspend or terminate any account that we reasonably believe violates these Terms or creates risk for LYN or its users, with or without notice. We aim to act on reports promptly, generally within 24 hours of receiving them. If we reasonably believe that content or activity on the Service involves market manipulation, insider trading, fraud, or other unlawful conduct, we may preserve the related records and report them to, and cooperate with, law enforcement and financial regulators. If you believe we removed your content or suspended your account in error, contact support@lightyearsnetwork.com and we will review the decision.

8. Visibility settings

The Service lets you choose whether your posts and comments are visible to your friends only or also to friends of your friends, and separately whether friends of friends may see your watchlist and portfolio. These settings control what the Service shows to other members. They are not a guarantee of confidentiality. Anyone who can see your content may screenshot, copy, or repeat it. Share only what you are comfortable having others see.

9. Invites and contact matching

You may generate invite codes and links to bring people you know into the Service. Sending an invite is your individual choice each time; we do not send invitations on your behalf. If you choose to enable contact matching, phone numbers from your address book are converted into one-way hashes on your device and compared with the hashes of existing members so we can suggest friends. Contact names and unmatched numbers are not stored on our servers. You are responsible for making sure you have the right to use your contacts' numbers in this way.

10. LYN Premium (subscriptions)

We may offer an optional paid subscription, "LYN Premium," with additional features. When offered, the following applies:

• Subscriptions are purchased through Apple's In-App Purchase system and are billed to your Apple ID. The title, subscription length, and price are shown in the app before you buy.
• Any free trial converts to a paid subscription at the end of the trial unless you cancel at least 24 hours before the trial ends.
• Subscriptions renew automatically at the same price and period unless you cancel at least 24 hours before the end of the current period. You can manage or cancel in your device's Settings › Apple ID › Subscriptions. Deleting the app does not cancel a subscription.
• Payments, refunds, and price changes are handled by Apple under the App Store terms. We cannot issue refunds for purchases made through Apple.
• Premium does not include investment advice, trade execution, or any promise of investment results.

11. Intellectual property and copyright complaints

The Service, including its software, design, logos, and the names "LYN" and "Light Years Network," is owned by LYN or its licensors and is protected by intellectual property laws. Subject to these Terms, we grant you a limited, personal, non-transferable, revocable license to use the app on Apple-branded devices that you own or control, as permitted by the App Store Terms of Service. You may not copy, modify, reverse engineer, or create derivative works of the Service except as the law expressly allows.

If you believe content on the Service infringes your copyright, send a notice that complies with the Digital Millennium Copyright Act to support@lightyearsnetwork.com with the subject line "DMCA," including: identification of the work, the location of the material, your contact details, a statement of good-faith belief, a statement under penalty of perjury that you are authorized to act, and your physical or electronic signature. We will remove infringing material, notify the poster, and terminate repeat infringers. Counter-notices may be sent to the same address.

12. Third-party services

The Service relies on third-party providers, including Apple (App Store, push notifications, in-app purchases), Google (Firebase and Google Cloud hosting, authentication, database, storage, and messaging), Finnhub and Coinbase (market data), and your mobile carrier (delivery of sign-in codes). Your use of those services may be subject to their own terms, and we are not responsible for their availability or conduct.

13. Termination and account deletion

You can delete your account at any time from the app (Me › Delete Account). Deleting your account removes your profile, posts, comments, watchlist, positions, and friendships from the Service. Copies may persist in encrypted backups for up to 30 days. We may retain limited records for longer where required by law, to respond to legal process or an inquiry from a regulator or law enforcement, to preserve evidence of suspected market manipulation or other unlawful conduct, to resolve a dispute, or to enforce these Terms. We may suspend or terminate your access if you breach these Terms, if required by law, or if we discontinue the Service. Sections 3, 4, 5 (license to already-shared content), 11, and 14 through 19 survive termination.

14. Disclaimers

THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THE ACCURACY OF ANY USER CONTENT OR MARKET DATA, AND WE DO NOT ENDORSE ANY OPINION EXPRESSED BY A USER. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU.

15. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LYN AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, TRADING LOSSES, LOSS OF DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS (US$100) OR THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE. THESE LIMITS DO NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED BY LAW.

16. Indemnification

You agree to defend, indemnify, and hold harmless LYN and its owners, officers, employees, and contractors from any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising out of Your Content, your use of the Service, or your breach of these Terms or applicable law.

17. Governing law, disputes, and arbitration

Governing law. These Terms are governed by the laws of the State of California and applicable U.S. federal law, without regard to conflict-of-law rules.

Informal resolution first. Before starting a formal proceeding, you agree to email support@lightyearsnetwork.com with a description of the dispute so we can try to resolve it. Both parties will negotiate in good faith for at least 30 days.

Binding arbitration. If we cannot resolve the dispute informally, any claim arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small-claims court or seek injunctive relief for infringement of intellectual property. The Federal Arbitration Act governs this section. The arbitrator may award the same relief a court could, on an individual basis only.

Class-action waiver. You and LYN agree that each may bring claims only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. If this waiver is found unenforceable for a particular claim, that claim will proceed in court, and the remaining claims will still be arbitrated.

Opt-out. You may opt out of this arbitration agreement by emailing support@lightyearsnetwork.com with the subject "Arbitration opt-out" within 30 days of first accepting these Terms. Opting out does not affect any other part of these Terms.

Venue. For any matter not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in California.

18. Additional terms for the Apple App Store

The following terms apply because the app is distributed through Apple's App Store:

• Acknowledgement. These Terms are concluded between you and LYN only, and not with Apple. LYN, not Apple, is solely responsible for the app and its content.
• Scope of license. The license granted to you is limited to a non-transferable license to use the app on any Apple-branded products that you own or control, as permitted by the Usage Rules in the App Store Terms of Service, except that the app may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing.
• Maintenance and support. LYN is solely responsible for providing any maintenance and support services for the app. Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the app.
• Warranty. LYN is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the app to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the app to you, if any. To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the app, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty are LYN's sole responsibility.
• Product claims. LYN, not Apple, is responsible for addressing any claims by you or any third party relating to the app or your possession or use of it, including product liability claims, any claim that the app fails to conform to any applicable legal or regulatory requirement, and claims arising under consumer protection, privacy, or similar legislation.
• Intellectual property claims. In the event of any third-party claim that the app or your possession and use of it infringes that third party's intellectual property rights, LYN, not Apple, is solely responsible for the investigation, defense, settlement, and discharge of any such claim.
• Legal compliance. You represent and warrant that you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• Developer contact. Questions, complaints, or claims regarding the app should be directed to Light Years Network, LLC, 131 Continental Dr, Suite 305, Newark, DE 19713, United States, at support@lightyearsnetwork.com.
• Third-party terms. You must comply with applicable third-party terms of agreement when using the app, such as your wireless data service agreement.
• Third-party beneficiary. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

19. General

• Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and LYN regarding the Service.
• Severability. If any provision is held unenforceable, the rest of the Terms remain in effect.
• No waiver. Our failure to enforce a provision is not a waiver of our right to do so later.
• Assignment. You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of assets.
• Export. You agree to comply with U.S. export laws and not to use the Service where prohibited.
• Electronic communications. You agree to receive notices from us electronically, in the app or at the contact details on your account.

20. Contact

Light Years Network, LLC
131 Continental Dr, Suite 305
Newark, DE 19713, United States (registered office)
Email: support@lightyearsnetwork.com
Web: lightyearsnetwork.com