Disclosures

April 10, 2024

General Description

Bloom Oink rewards (“Oink”) is a rewards program (the “Program”) offered by Contour Labs, Inc. and its designated affiliates (collectively, “Bloom”). The Program enables eligible Bloom customers to earn Oink rewards on certain qualifying purchases made using a Client’s debit or credit card or through educational seminars/courses via the Bloom App. As a customer of Bloom Investment Advisors, LLC, you are eligible to participate in the Program, subject to these terms and conditions (the “Program Terms”). By participating in the Program, you are accepting and agreeing to these Program Terms. These Program Terms form an agreement between you and Bloom with respect to the Program. You may choose to opt-out of this Program at any time by contacting us at [email protected].

Eligibility

To participate in this Program, you must have an individual taxable brokerage account advised by Bloom Investment Advisors, LLC that is open and in good standing (a “Personal Portfolio”). For the avoidance of doubt: in the event you only complete the designated registration process to receive the Financial Counseling Service (if applicable to you, as such term is defined in your Advisory Agreement) from Bloom, or you do not otherwise complete the designated registration process required for opening both a Personal Portfolio account in accordance with the above, you will not be eligible to participate in this Program.

(i) Qualifying Rewards

Oink rewards may only be earned or purchased in the Bloom App by completing educational lessons or by purchasing with a Client’s debit or credit card (each a “Qualifying Purchase”), subject to certain exclusions as further described below. Bloom may withhold or recover any reward if Bloom determines that such reward was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided when opening your account, or that any terms of our Advisory Agreement, Bloom Terms of Service, or these Program Terms have been violated. We also reserve the right to reverse the credit of any Oink reward in the event the Qualifying Purchase giving rise to the reward is the subject of a return, credit, chargeback, or similar rescinded transaction.

(ii) Amount of Oink Rewards

You may purchase the following Oink rewards under this Program:

5,000 Oinks for $2.99
15,000 Oinks + Rare Lootbox for $7.99
40,000 Oinks + Legendary Lootbox for $14.99
100,000 Oinks + 2x Legendary Lootbox for $29.99

Lootboxes are an Oinkhub product that users can also purchase with Oinks and they contain “fragments” of stocks, where Clients may collect all 6 “fragments” of a particular stock.

Bloom may, in its sole discretion, from time to time, choose to reward a larger Oink reward for certain Qualifying Purchases. Additionally, Bloom may, in its sole discretion, and from time to time, implement multiple versions of this Program or offer certain promotions directly to eligible participants for Qualifying Purchases made at selected merchants that may reward an Oink reward different from the Oink rewards hereunder. Bloom may send these offers directly to eligible participants or via the Bloom Platform. Any such version or promotion offered to you may be different from the version or promotion offered to another eligible participant. Supplemental terms and conditions will govern any such version or promotion.

(iii) Fulfillment of Oink Rewards

Any Oink rewards will be fulfilled as follows:

If a Qualifying Purchase is made through the Bloom Platform (defined below), the Oink reward arising from that Qualifying Purchase will be delivered to the Client’s Account.

When determining whether a purchase is deemed a Qualifying Purchase and/or when calculating each Oink reward, you acknowledge and agree that Bloom hereby makes no representation or warranty that the transaction data it receives is accurate or timely. If Bloom receives transaction data that is delayed, incorrect, incomplete, or mismatched, Bloom will use commercially reasonable efforts to determine whether such purchase constitutes a Qualifying Purchase and/or is eligible for an Oink reward. You hereby acknowledge and agree that neither Bloom nor any of its affiliates shall be liable for any delayed, incorrect, incomplete, or mismatched information that Bloom receives in connection with this Program. Our services matching Qualifying Purchases to Oink rewards are provided “AS IS” and without warranties of any kind, either express or implied. We cannot warrant that such matching services will be error-free or that defects in the matching services will be corrected. If you believe you made a Qualifying Purchase and were not rewarded Oinks in accordance with this Program, please contact us at (323) 879-8385 or [email protected].

(iv) Crediting of Oink Rewards to Your Personal Portfolio

By accepting an offer to earn an Oink reward, you are authorizing Bloom Investment Advisors, LLC to deliver Oinks to your Account. It may take up to three (3) business days after a Qualifying Purchase posts to your Bloom Account for an Oink reward to be reflected in your Personal Portfolio.

The value of any Oink reward you receive will fluctuate over time due to a variety of factors. Your Personal Portfolio must be open and in good standing at the time we initiate any credit of Oink reward. If your Personal Portfolio is closed or not in good standing for any reason at any such time, any Oink rewards will be forfeited. You will not be entitled to any compensation from Bloom or from any other source if your Oink rewards are forfeited for any reason. In addition, you will not earn any Oink rewards for any Qualifying Purchases that have not been posted to your Personal Portfolio prior to the end of the Program (if applicable), or, if earlier and if applicable, prior to the time your request to opt-out of the Program is processed.

Opting Out of the Program

You may choose to opt-out of this Program at any time by contacting us at (323) 879-8385 or [email protected]. It may take up to three (3) business days after you choose to opt-out of this Program before you are no longer enrolled.

Changes to the Program

Bloom reserves the right to amend, modify, or cancel the Program or these Program Terms at any time, for any reason, upon prior notice to you. You agree that, by continuing to participate in the Program after Bloom posts a new version of the Program Terms, you will be deemed to have agreed to and accepted the revised Program Terms and all Qualifying Purchases that post to your Bloom Account following the effective dates of any such amendment shall be subject to all terms and conditions of this Program as so amended.

Other Information

Bloom Investment Advisors, LLC is an SEC-registered investment adviser. You may view our ADV Part 2A at www.bloomapp.com. All product and company names are trademarks or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

If, for any reason, this Program is not capable of running as planned, whether due to infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of Bloom which corrupts or affects the administration, security, fairness, integrity, or proper conduct of this Program, Bloom reserves the right in its sole discretion, to disqualify any individual who tampers with this Program, and to cancel, terminate, modify or suspend this Program. In the event of termination, Bloom may, in its sole discretion, award Oinks to those who have satisfied the eligibility criteria set forth herein up until the time of termination. Bloom assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction, or unauthorized access to, or alteration of, this Program.

For more information, see our disclosures.

Effective as of May 11th, 2024

Referrals must be a new Bloom customer, must complete registration between 12:00 AM EST 5/11/2024 and 12:00 AM EST 5/18/2024 (the Promotional Period), each have a verified account in good standing, make their first successful deposit into a Bloom account between 5/11/2024 and 5/18/2024 (the Qualification Period), and maintain their account in good standing for at least 30 days from the last day of the Qualification Period. Bonuses will be invested within 30 days once Bloom verifies all eligibility criteria have been met. Referral awards are made at the sole discretion of Bloom. All referrals must be made in accordance with the Bloom Referral Agreement and Referral Promotion Terms and Conditions. Limit one Bonus per Referrer. 

Rewards for inviting friends to join Bloom are a limited time offer. Rewards are in the form of a one time cash journal into your Bloom Account. Once your friend has completed their first deposit into a Bloom Account and the friend’s account has been in good standing for at least 30 days from the end of the Qualification Period, Bloom will initiate a cash journal to your account within 60 days. To be eligible for the reward, the persons you refer must be new customers and be invited through an SMS invite through the Bloom app during the Promotional Period, and they must use your referral link when they sign up during the Promotional Period. The persons you refer must be tracked in the Bloom App. If someone you invite signs up as a new customer but is not tracked in the Bloom App, we may review these on a case-by-case basis. A new customer means a natural person who has never begun signing up for Bloom before. Customers must sign up for "18+" or "teen" accounts, not "parent" accounts, as "parent" accounts are subject to different referral conditions.

Bloom defines an account in good standing as a paying subscriber with a verified investment account with a linked funding source that is owned by the Referee for the account and a successful investment. Bloom reserves the right to restrict or revoke this offer at any time.  Bloom may provide other offers to other customers during the same promotional period. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it.  You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Bloom referral rewards offered during the same Promotional Period. Anyone who earns a reward under this promotion will only receive such reward if their Bloom subscription and each of their Bloom accounts are verified and in good standing with Bloom at all times between meeting the eligibility criteria and the time the reward is invested. Bloom, in limited cases and in its sole discretion, may waive certain reward eligibility criteria when a new customer does not meet all criteria during the promotional period.

Bloom reserves the right to restrict or revoke any and all offers at any time. Bloom reserves the right to request additional documentation for identity and/or bank account verification before issuing payments. Your reward will be calculated based on the offer and promotional terms presented to you when you qualify to receive it. You will only receive one referral reward, the one offered to you in the terms of this promotion, for each qualifying referral if there are multiple Bloom referral rewards offered during the same promotional period. Bloom is not responsible for any failure on your part to maintain your account in good standing or otherwise meet standards for qualifying for this promotion. This promotion only applies to referrals of new Bloom customers. For the avoidance of doubt, if either you or the customer you refer is ineligible for the reward under this promotion, neither party will receive the reward. Referral awards are made at the sole discretion of Bloom. All referrals must be made in accordance with the Bloom Referral Agreement. You can also receive additional rewards under other promotional offers that may be available at the same time as this promotion unless it is specifically excluded by such other promotion.

Last Updated: May 16th, 2023
Effective: May 16th, 2023

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Introduction: 

Advisory services are offered through Bloom Investment Advisers, LLC ("Bloom"), an SEC registered investment adviser. Registration does not imply a certain level of skill or training. Bloom's investment advisory services are available only to residents of the United States. Please refer to Bloom's [Disclosure Brochure Link] and [Form CRS Link] for important additional information. Additional information about Bloom is available on the SEC’s investment adviser public disclosure (IAPD) website at https://adviserinfo.sec.gov/firm/summary/317405. 

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Teen Investing Disclosures:

Bloom’s clients open individual accounts, including accounts established under the Uniform Gifts to Minors Act (“UGMA”) or the Uniform Transfers to Minors Act (“UTMA”) for the benefit of a minor. Through the implementation of a written trading authorization, clients may authorize their teens to invest in the account on their behalf, subject to their control and monitoring. Clients may revoke teen’s trading authorization at any time at their sole discretion. If an investment opportunity is not specifically identified as “recommended,” it may not be appropriate for the account based on the information provided by the client. Authorized Users granted trading authorization by the client may purchase investment opportunities for the account that have not been recommended by Bloom, subject to the client’s control and monitoring. 

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Other Important Disclosures:

Brokerage accounts for Bloom clients are established at Alpaca Securities, LLC (“Alpaca”), a wholly-owned subsidiary of AlpacaDB, Inc. Technology and a third-party SEC registered broker-dealer that is a member of the Financial Industry Regulatory Authority (www.finra.org) and the Securities Investor Protection Corporation (www.sipc.org). Cryptocurrency trading services are provided by Alpaca Crypto LLC (“Alpaca Crypto”), a FinCEN registered money services business. Alpaca Crypto is not a registered broker-dealer or a member of SIPC or FINRA. 

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Bloom is not affiliated with Alpaca or Alpaca Crypto. Alpaca provides clearing and execution services and serves as qualified custodian for advisory assets of Bloom clients. All accounts and trade executions are powered by Alpaca's technology. View Alpaca's disclosures at: https://alpaca.markets/disclosures. Alpaca does not make recommendations with regard to fractional share trading, whether to use fractional shares at all, or whether to invest in any specific security. A security’s eligibility on the list of fractional shares available for trading is not an endorsement of any of the securities, nor is it intended to convey that such stocks have low risk. Fractional share transactions are executed either on a principal or risks principal basis, and can only be bought or sold with market orders during normal market hours.

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Cryptocurrencies traded on this platform are not securities and therefore are not protected by SIPC. Please ensure that you fully understand the risks involved before trading: https://alpaca.markets/disclosures. Cryptocurrency exchanges, as well as other intermediaries, custodians and vendors used to facilitate cryptocurrency transactions, are relatively new and largely unregulated in both the United States and many foreign jurisdictions. In addition to a higher level of operational risk than regulated futures or securities exchanges, cryptocurrency exchanges can experience volatile market movements, flash crashes, fraud, various forms of market manipulation, theft, transaction processing delays and other cybersecurity risks. Trading in cryptocurrencies may be halted by the various trading venues due to unusual trading activity, outages, or other problems with a cryptocurrency platform. If Alpaca Crypto experiences such technical difficulties, those difficulties could prevent you from accessing the cryptocurrency in your Alpaca Crypto account. Alpaca Crypto and Bloom may not have sufficient financial coverage through bonds, insurance, or other products to repay your losses. Alpaca Crypto does not offer staking, so by using Alpaca Crypto for execution services, clients may be foregoing the ability to earn additional cryptocurrency.

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This is not an offer, solicitation of an offer, or advice to buy or sell securities, or open a brokerage account in any jurisdiction where Alpaca is not registered (Alpaca is registered only in the United States). 

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Any projections or forecasts are hypothetical in nature and may not reflect actual future performance. By using this website, you accept our Terms of Use (https://www.bloomapp.com/disclosures/terms) and Privacy Policy (https://www.bloomapp.com/disclosures/privacy-policy). We do not provide or offer any financial planning or tax advice. You should consult with a tax advisor. You acknowledge that you are responsible for your own financial decisions. The content on this website is for informational purposes only and does not constitute a comprehensive description of Bloom 's services. Certain investments are not suitable for all investors. Before investing, consider your investment objectives. The rate of return on investments can vary widely over time, especially for long term investments. Investment losses are possible, including the potential loss of all amounts invested. Factual statements provided through Bloom’s products or services, are made as of the date stated and are subject to change without notice. It should not be assumed that the methods, techniques, or indicators presented in these products or services will be profitable, or that they will not result in losses. Past performance is not indicative of future results.

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All statements made via social media sites sponsored or maintained by Bloom and its affiliates are for informational purposes only and do not constitute a comprehensive description of Bloom’s investment advisory services or any recommendations related to securities or investment products. Bloom and its affiliates are not responsible for, and do not endorse the content by, other users or followers of any social media sites sponsored or maintained by Bloom or its affiliates. Bloom and its affiliates are also not responsible for the terms of use or privacy or security policies of any social media sites, and you use such sites at your own risk. Bloom and its affiliates reserve their rights to block any user or follower who posts, tweets or retweets content that is deemed inappropriate or offensive or constitutes spam, a testimonial, advice, a recommendation, or advertisement for securities, products, or services, is promotional in nature, or otherwise violates regulatory guidelines. Bloom and its affiliates also reserve their rights to block users or followers whose posts, tweets or retweets contain offensive or inappropriate content or serve as promotional sites. Bloom and its affiliates maintain full discretion in determining which users to block and what content is deemed inappropriate. Any opinions expressed by users or followers are those of the persons submitting the comments and do not represent the views of Bloom or its affiliates.

Last Updated: May 16th, 2023
Effective: May 16th, 2023

Who we are:
Bloom Investment Advisors LLC. (“Bloom,” “we”, “our”, or “us”), a subsidiary of Contour Labs Inc., is a financial services company. Our platform provides improved transparency about how our customers invest and manage their money, as well as the necessary tools to help improve one’s financial well-being. When you use these services, you’ll share some information with us that could be used to identify you or that is associated with information that identifies you (“Personal Information”).

We wanted to clarify the information we collect, how we use it, and whom we share it with. This Privacy Policy applies to Personal Information that we gather or collect via our website (the “Site”) or our app (collectively, the “Services”). It does not apply to any Personal Information collected by third party websites not operated by Bloom.If after reading this Privacy Policy you still have questions about anything in it, please contact us at [email protected].

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The categories of Personal Information we collect include:
● Identification information you provide to us
● Communication information you share when you voluntarily reach out to us
● Technical information we automatically collect
● Third party Personal Information IdentificationInformation you provide to us

When you interact with our Site or mobile app, we collect identification information that you choose to share with us. For example, when you set up an account with us, we need to collect a few important details about you, such as your name, address, Social Security number, your phone number, your email address, your date of birth. We may also collect location data you choose to share with us, so we can help protect against fraud. When you use the Service, we may prompt you to share information about contacts you have on your phone, and that is optional to provide. We may also collect other information such as a copy of your government-issued identification or a photograph for verification purposes. Please ensure that you only send us an image of yourself. Do not include any images of others.Communication InformationWhen you contact customer support or communicate with us in any other way, including by voluntarily responding to questionnaires, surveys or requests for market research seeking your opinion and feedback, we’ll collect whatever information you volunteer, in addition to your name and email address.Technical InformationWhen you visit our Site or use our Services, we collect information about which of the Services you’ve used and how you’ve used them.

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Examples of this information include:

● Usage information on our Site or mobile app (e.g., pages you visit on the Site, webpage from which you linked to our Site);

● Time and date of your activities;

● Your IP address;

● Location Information:

● When you browse the Site, we collect an estimate of your location through your IP address

● When you use the app, we collect your Location Information through your device IP address, WiFi, Bluetooth, and, when you have enabled geolocation tracking, GPS coordinates (e.g. latitude/longitude) of your mobile device in order to detect and prevent fraud.

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If you have given the app permission to access your location, we will collect your device’s location as permitted by the settings you choose, and store your location history.

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If you want to opt out of the collection of your Location Information, please adjust your settings in your mobile device to limit the app’s access to your Location Information.

● Device ID;

● The kind of browser and computer you use;

● Name of your internet service provider; and

● Operating system version.

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Third Party Personal Information

We may collect Personal Information about you from other users, our affiliates, and third parties, as permitted by law, as follows:

‍1. Identity Verification Information.We may collect Personal Information from third party verification services, credit bureaus, financial institutions, mailing list providers, and publicly available sources to verify your identity. We may also collect information about you from third parties in connection with any identity or account verification process, fraud detection process, or collection procedure, or as may otherwise be required by applicable law.

‍2. Social Media Information.We have pages on social media sites like Instagram, Facebook, Twitter, and LinkedIn (“Social Media Pages”). When you interact with our Social Media Pages, we will collect Personal Information that you elect to provide to us, such as your contact details. In addition, the companies that host our Social Media Pages may provide us with aggregate information and analytics regarding the use of our Social Media Pages.

‍3. Financial Information. When you link a Deposit account, Bloom uses Plaid Inc. (“Plaid”) to gather your data from financial institutions. By using the Services, you grant Bloom and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy.

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How we use your information

Personal Information

● To provide the Services: Bloom may use your Personal Information to fulfill requests for products, Services, or information, including information about potential or future Services, including to:

● Manage individual information and accounts;

● Respond to questions, comments, and other requests;

● Verify an individual’s identity by comparing your photograph against your government-issued identification;

● Process payment for products or Services purchased;

● Process applications and transactions;

● Provide access to certain areas, functionalities, and features of our Services; and

● Allow you to register for events.

For internal business purposes: Bloom may use Personal Information for its internal business purposes, including to:

● Measure interest in Bloom’s Services;

● Develop new products and Services or improve existing products and Services;

● Ensure internal quality control;

● Communicate about individual accounts and activities on Bloom’s Services and systems, and, in Bloom’s discretion, changes to any Bloom policy;

● Comply with regulatory requirements;

● Prevent potentially prohibited or illegal activities;

● Enforce our Terms of Use;

● Protect the safety of any person, to address fraud, security or technical issues, or to protect the Company’s rights or property;

● Comply with applicable laws, rules and regulations or court orders; and

● For any other purpose for which you have given express permission or consent to Bloom.

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For marketing purposes: Bloom may analyze and use Personal Information to provide you with materials about offers, products, and Services that may be of interest, including new content or Services. Bloom may provide you with these materials by phone, postal mail, email, as permitted by applicable law. Such uses include:

● To tailor content, advertisements, and offers;

● To notify you about offers, products, and services that may be of interest to you;

● To provide Services to you and our sponsors;

● For other purposes disclosed at the time you provide Personal Information; and

● Otherwise with your consent.

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‍Non-personal Information

We may also use information that does not personally identify you, including by aggregating and/or de-identifying Personal Information, in order to understand better how our visitors use the Site, research our visitors’ demographics, interests, and behavior, improve the Site, provide visitors with customized services and information, and for other similar purposes. We may share this information with others for information or promotional purposes, and may use non-personally identifiable information in any manner permitted by law. When any non-personally identifiable information is combined with other information that identifies you, it will be treated as Personal Information in accordance with this Privacy Policy.

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‍How we share information

‍We may share Personal Information about you in the following ways:

● To verify your identity. We may share your information with vendors who help us verify your identity by performing biometric or other analyses to help us detect and prevent fraud.

● With vendors and service providers for: (i) provision of IT and related services; (ii) provision of information and Services you have requested; (iii) payment processing; and (iv) customer service activities; (v) know-your customer services and fraud and anti-money laundering prevention; (vi) analytics services; and (vii) in connection with the provision of the Services. These service providers have contracted with us to only use the Personal Information for the purpose(s) for which the data were originally collected or may otherwise be lawfully processed.

● Business partners. We may share Personal Information with our business partners, affiliates, and for our affiliates’ internal business purposes or to provide you with a product or service that you have requested. For example, we partner with Alpaca Securities, LLC (“Alpaca”) to provide you with the Services. We may share your Personal Information with Alpaca to enable Alpaca to provide banking services to you in connection with our Services. We may also share Personal Information with business partners with whom we may jointly offer products or services, or whose products or services we believe may be of interest to you.

‍● With third parties for legal reasons. We may share information about you if we reasonably believe that disclosing the information is needed to:

● comply with any valid legal process, governmental request, or applicable law, rule, or regulation;

● investigate, remedy, or enforce potential Terms of Service violations;

● protect the rights, property, and safety of us, our users, or others; or

● detect and resolve any fraud or security concerns.

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With third parties as part of a merger or acquisition. In the event of a transaction or proposed transaction involving the transfer of substantially all of the assets of Bloom or one or more of its businesses to another entity, whether an affiliate or a third party, or in connection with a bankruptcy, we may share your Personal Information in the diligence process or to otherwise facilitate the transaction, and with individuals assisting in the transaction or in connection with a bankruptcy. Your Personal Information may also be one of the transferred assets as part of the transaction or bankruptcy.Cookies & Analytics TechnologiesIn operating the Services, we may use a technology called "cookies." A cookie is a piece of information that the computer that hosts our Services gives to your browser when you access the Services. Our cookies help provide additional functionality to the Services, including helping us analyze Services usage more accurately. For instance, our Site may set a cookie on your browser that allows you to access the Services without needing to remember and then enter a password more than once during a visit to the Site. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Service features.Some of our business partners (e.g., advertisers) may also use cookies on the Site. For example, on occasion an advertiser may run a banner campaign on our Site. This Privacy Policy covers the use of cookies by this Site only and does not cover the use of cookies by any business partners or advertisers on our Site. We may also use analytics tools such as Google Analytics to collect information regarding visitor behavior and visitor demographics on our Site, and to develop website content. This analytics data is not tied to any Personal Information. For more information about Google Analytics, please visit www.google.com/policies/privacy/partners/. You can opt out of Google’s collection and Processing of data generated by your use of the Site by going to http://tools.google.com/dlpage/gaoptout.

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‍Clear GIFs (Web Beacons)

‍We may employ a software technology called clear gifs (a.k.a. Web Beacons) that help us better manage content on our Site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements and actions of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We may tie the information gathered by clear gifs to our customers’ Personal Information. We may use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.

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‍Online Tracking and "Do Not Track" Signals

We and our third party service providers, including Facebook, may use cookies, pixels, or other tracking technologies to collect information about your browsing activities over time and across different websites following your use of the Site and use that information to send targeted advertisements. Our Site currently does not respond to “Do Not Track” (DNT) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do so in the future, we will describe how we do so in this Privacy Policy.

‍How long we keep your information

We will retain your information for as long as you use our Services or as necessary to fulfill the purpose(s) for which it was collected, provide our products and Services, resolve disputes, establish legal defenses, conduct audits, enforce our agreements, and comply with applicable laws or regulations.

‍External Sites

Our Services may contain links to other websites and other websites may reference or link to our Services. These websites are operated by third parties not controlled by us, and by linking to them or being linked from them Bloom does not endorse, approve or make any representations about third party websites or domains. We encourage you to read the privacy policies of each and every website and domain that you interact with. We are not responsible for the privacy practices or content of such other websites or domains and you visit them at your own risk.

‍Social Media

Our Services may contain links and interactive features with various social media platforms. If you already use these platforms, their cookies may be set on your device when using our Services. You should be aware that Personal Information which you voluntarily include and transmit online in a publicly accessible social media platform, blog, or chat room, or otherwise online, or that you share in an open forum, may be viewed and used by others without any restrictions. We have no control over such uses of your information when interacting with a social media platform, forums or otherwise online and by using such services you assume the risk that the Personal Information provided by you may be viewed and used by third parties.

‍Security

Bloom takes commercially-reasonable steps to protect the data you have given us from accidental or intentional manipulation, loss, destruction or access by unauthorized persons. However, please be aware that no transmission of Personal Information over the Internet or the electronic storage of this information can be absolutely guaranteed to be free from unauthorized use or access. Before submitting any Personal Information via the Site or Services, please keep in mind these risks and know that you do so at your own risk.Your Choices

‍Communications Preferences

‍If you no longer want to receive email from us, you can use the unsubscribe link found at the bottom of the email to opt out of receiving future emails. You will continue to receive transaction-related emails regarding products or services you have requested. We may also send you certain communications regarding Bloom and you will not be able to opt out of those communications (e.g., communications regarding updates to our Privacy Policy).

‍Sharing Preferences

‍We may give you choices regarding the sharing of your information with affiliates and third parties. Choices you have about the sharing of your information will be described in the privacy policies or notices you receive in connection with the products or Services you obtain from us.

‍Other Requests

If you wish to terminate your Bloom account or delete your data, you can contact us as set forth in this policy or initiate a request within our app.

‍Changes to this Privacy Policy

‍We may change this Privacy Policy from time to time. If we do, we will post the revised policy on this page with a new “Last Updated” date. All changes will become effective when posted unless indicated otherwise. If we make any material changes we may choose to post a notice on this website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

‍Use of The Service By Children

We take precautions to protect the privacy of children. Where we determine that a user attempting to set up a Bloom account is under 13, we will ask for a parent or guardian’s contact information in order to obtain verifiable consent before allowing that child to use our Services.

‍What Information Does Bloom Collect from Children and How Is It Used?

To participate in our services your child must create an account using the Bloom mobile application. We ask all children to provide us with the phone number of the adult they would like to parent their account (“Parent”), so we can notify the Parent of their child’s interest in Bloom, request consent for the child to use our Services and provide us with their personal information, and authorize the Parent to oversee the child’s account. We request personal information from children that is reasonably necessary for their use of the Services, including their name, date of birth, phone number, email address, and mailing address. We also collect Technical Information and utilize Cookies and Analytics Technologies when children engage with our online platforms. When we collect personal information from a child, we will retain that information only as long as reasonably necessary to fulfill the purpose for which it was provided, ensure the security of our users and our Services, or as required by law. In the event we discover we have collected information from a child in a manner inconsistent with applicable law, we will either delete the information or promptly seek parental consent.Parents or legal guardians can contact us at [email protected] to access and review the personal information we have collected about their child, update their child’s information, request deletion of their child’s information, or restrict further collection or use of their child’s information. Please note that our deletion of your child’s information means that they will no longer be able to have a Bloom account or otherwise use our Services.

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‍California Privacy Rights Disclosures

Under California Civil Code Section 1798 (California's “Shine the Light” law), California residents with an established business relationship with us can annually request that we provide them with information about whether we have shared their personal information with third parties for those third parties' own direct marketing purposes. If you would like to request more information under California’s “Shine the Light” law, you can contact us as detailed in the “Contact Us” section below.The following disclosures are made pursuant to the California Consumer Privacy Act of 2018 (“CCPA”). These disclosures apply to individuals who reside in the State of California and supplement any other privacy notice provided by Bloom. Any terms defined in the CCPA have the same meaning in this notice.The below chart reflects the categories of personal information we have collected from California residents both online and offline during the past twelve months, the categories of sources from which the information was collected, the business or commercial purpose for which the information was collected, and the categories of third parties with whom we shared that information.

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‍Categories of Personal InformationCollected Categories of Sources of CollectionBusiness/Commercial Purpose for CollectionCategories of Third Parties Receiving Personal Information

‍Identifiers such as real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, phone number, legal name, social security number, driver's license number, passport number, or other similar identifiers.You; Your Parent; Third party sources, including credit and background check or credit check providers; Publicly available information, Devices you use to access the Services.Provide products and services to you; Respond to questions; Provide you with information about our services; Enhance customer experience; Detect security incidents and protect against fraud or illegal activity; Conduct hiring and/or other human resources activities; For research, analysis, and product development; To evaluate or process a commercial transaction; As required by applicable law or government regulation.Your Parent; Advertising networks; Affiliates; Data analytics providers; Marketing platforms; Recruitment platforms; Social networks; Technology services; Background check or credit check providers.Personal information categories listed in Cal. Civ. Code § 1798.80 such as name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.You; Your Parent; Third party sources, including credit and background check or credit check providers; Publicly available information, Devices you use to access the Services.Provide products and services to you; Respond to questions; Provide you with information about our services; Enhance customer experience; Detect security incidents and protect against fraud or illegal activity; Conduct hiring and/or other human resources activities; To evaluate or process a commercial transaction; As required by applicable law or government regulation.Your Parent; Advertising networks; Affiliates; Data analytics providers; Marketing platforms; Recruitment platforms; Social networks; Technology services; Background check or credit check providers

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‍Protected classification characteristics under California or federal law such as age, race, national origin, citizenship, marital status, sex, gender identity, sexual orientation, medical conditions (including pregnancy or childbirth, physical or mental disability or related medical conditions), parental status, veteran or military status.You; Your Parent; background check or credit check providers.To provide you with our products and services and respond to your questions; To understand the products and services considered by our customers and to make improvements to our offerings; To provide advertising/marketing services, analytic services, or similar services; To collect and process applications for accounts or for employment.Your Parent; Background check or credit check providers; financial institutions.

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‍Commercial information such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.You; Your ParentTo provide our services; To provide advertising/marketing services, analytic services, or similar services; For research, analysis, and product development; To evaluate or process commercial transactions; As required by applicable law or government regulationYour Parent; Users of our Services who you authorize to view this information.

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‍Internet or other similar network activity such as browsing history, search history, information on interactions with an internet website, application, or advertisement.You; Devices you use to access the Services.To provide you with our products and services and respond to your questions; To understand the products and services considered by our customers and to make improvements to our offerings; To provide advertising/marketing services, analytic services, or similar services; To identify repair errors that impair existing or intended functionality; To detect security incidents and protect against malicious, deceptive, fraudulent, or illegal activity; To collect and process applications for employment.Advertising networks. Affiliates; Data analytics providers; Marketing platforms; Recruitment platforms; Social networks; Technology services.

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‍Geolocation data such as physical location or movementsYou; Devices you use to access the Services.To provide you with our products and services and respond to your questions; To understand the products and services considered by our customers and to make improvements to our offerings; To provide advertising/marketing services, analytic services, or similar services on behalf of the CompanyYour Parent; Advertising networks; Affiliates; Data analytics providers; Marketing platforms; Social networks; Technology services.

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‍Professional or employment-related information such as current and prior employment, performance evaluations, and results of background checksYou; Background check providers; Publicly available information.Conduct hiring and/or other human resources activities.Affiliates; Recruitment platforms; Technology services.

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‍Inferences drawn from other Personal Information to create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitude, intelligence, ability, aptitude, and any other inferences drawn from your personal information.You; Devices you use to access the Services; Credit and background check providers.To understand the products and services considered by our customers and to make improvements to our offerings; To provide advertising/marketing services, analytic services, or similar services.Advertising networks; Affiliates; Marketing platforms; Data analytics providers; Social networks; Technology services; Video hosting, sharing, and streaming platformsIn the past twelve months we have disclosed personal information to third parties for business purposes. The categories of personal information we have disclosed to third parties for business purposes are identified in the “Categories of Personal Information Collected” column above. We have disclosed those categories of personal information to the categories of third parties identified in the “Categories of Third Parties Receiving Personal Information” column above. In the past twelve months, we have not sold personal information, and we have no actual knowledge of selling the personal information of minors under 16 years of age. California residents have the right to opt out of the sale of their personal information, but because we do not sell personal information, we do not offer an opt out.

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‍Right to Know California residents have the right to request that we disclose the categories and specific pieces of personal information we collected, used, and disclosed during the past twelve months, the categories of sources from which their personal information was collected, our business or commercial purposes for collecting their personal information, and the categories of third parties with whom we shared their personal information.

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‍Right to Delete California residents have the right to request deletion of the personal information we have collected from them.

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‍Request Submission California residents or their authorized agent can submit a request by emailing us at [email protected] or by calling us at (323) 879-7385. You will need to provide us with your name, phone number, and mailing address for us to match with information we have on file in order to verify your identity and residency. The personal information that we use to verify your identity and residency will not be used for any other purpose.

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‍Right to Non-Discrimination California residents have the right to not receive discriminatory treatment for exercising their CCPA privacy rights. We do not discriminate against California residents who exercise their CCPA privacy rights.

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Contact Us

If you have questions or comments about this Privacy Policy, please contact us at [email protected].

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Last Updated: May 16th, 2023
Effective: May 16th, 2023

‍Note: In addition to the Bloom Terms of Service, please refer to the Alpaca Terms of Service where Alpaca acts as Bloom’s third party broker dealer. 
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Description of Services
Contour Labs, Inc., a Delaware C Corporation and Bloom Investment Advisors LLC, subsidiary of Contour Labs, Inc., a registered investment adviser, collectively, “Bloom” or “we” or “us” or “our”, provides you and other users with access to a secure environment on a website and application called Bloom (the “Site”) to facilitate communications and manage transaction through a collection of resources, data, and software (collectively, the “Services”). The Services are subject to these Terms of Service (“TOS”), which we may modify by posting revised TOS on our website(s) from time to time. Modifications may be posted without providing notification of the modifications. You are responsible for regularly reviewing these TOS and any applicable changes. Continued use of the Services after any changes take effect will constitute your acceptance of such changes. Unless stated otherwise, any new features or enhancements to the current Services shall be subject to these TOS.
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Bloom will not act as the bank for any account. Bank services are provided through our banking software provider, Plaid. To report a complaint relating to the bank services, email [email protected]
Bloom will not act as the broker for any account. Alpaca Securities LLC (“Alpaca”) shall be the broker/dealer for any account at Bloom. Alpaca which will execute all orders on behalf of any account and will forward to the Client, not Bloom, all confirmations. To report a complaint relating to the brokerage services, email [email protected].
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Bloom customer support is available via email at [email protected].
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Representation of Authority and Binding Agreement
‍When you visit and use Bloom, you are agreeing to be bound by these TOS, and are representing that you are thirteen (13) years of age or older and have all necessary right, power and authority to enter into these TOS and to perform the acts required hereunder. If you are under thirteen (13) years of age, by visiting and using Bloom, you have the consent, sponsorship and trust from a legal guardian above the age of thirteen (13) to be using Bloom. If you do not wish to be bound by these terms of service or do not meet these requirements, refrain from using our services or accessing our Site. These Terms of Service are in addition to any other agreements between you and Bloom, including any customer or account agreements and any other agreements that govern your use of software, products, goods, services, content, tools, and information provided by Bloom.
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General
‍The Services may include or make available certain content (the “Content”). Content includes, without limitation: (1) account positions, balances, transactions, confirmations, and order history; (2) general news and information, commentary, research reports, educational material and information and data concerning the financial markets, securities and other subjects; (3) market data, including quotations for securities transactions and information for completed securities transactions reported in accordance with federal securities regulations; (4) financial and investment interactive tools, such as alerts or calculators; (5) tax preparation, bill payment and account management tools; (6) company names, logos, product and service names, trade names, trademarks and services marks (collectively, “Marks”) owned by Bloom Third Party Providers (defined below); and (7) any other information, content, services, or software. Content furnished by third parties (each, a “Third-Party Provider” and collectively, the “Third-Party Providers”) includes, without limitation, any information, content, service or software made available by or through social media websites, blogs, wikis, online conferences, telecasts, podcasts, and other forums (“Third Party Content”). Third Party Content may be available through framed areas or through hyperlinks to the Third-Party Providers’ websites. Content posted on the Service is published as of its stated date or, if no date is stated, the date of first posting. Bloom has not undertaken any duty to update any such information. Bloom does not prepare, edit, or endorse Third Party Content. U.S. Residents Only. The Content and the Services are intended for United States residents only. They shall not be considered a solicitation to any person in any jurisdiction where such solicitation would be illegal.
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Your Obligations
‍When using the services available through Bloom, you agree: To maintain and update your account information to keep it complete and accurateto maintain the confidentiality of your account password and notify Bloom of any unauthorized use of your password or account or any other security breach;to use the Services only for your licensed use; NOT to impersonate another person or entity, or to falsely state or otherwise represent your affiliation with a person or entity with respect to any Services or Content; andnot to take any actions involving the Services which breach an obligation you have to any third party.
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Termination or Modification
‍Bloom reserves the right to restrict, disable, suspend or terminate your account and refuse current or future use of the Services without prior notice and for any reason, with or without cause. Bloom also reserves the right, but bears no obligation, to monitor, screen, and remove any content available through the Services. 
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Communications
‍By using the Service or the Content, you consent to any form of recording and retention of any communication, information and data exchanged between you and Bloom or its representatives or agents. Financial Data. All data obtained from Bloom is intended only for you and only for your licensed use.
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Content Ownership
‍As between you and Bloom, the Content, including but not limited to visual interfaces, interactive features, graphics, design, compilation, computer code, products, software, aggregate user review ratings, and all other elements and components of the Site belongs to Bloom, excluding any third party content including, without limitation, content from our licensors and suppliers (such content “Third Party Content”). You may not modify, reproduce, distribute, create derivative works or adaptations of, publicly display or in any way exploit any of the Content in whole or in part except as expressly authorized by us. Except as expressly and unambiguously provided herein, we do not grant you any express or implied rights, and all rights in and to the Site and the Content are retained by us (and our licensors and suppliers, or Third-Party Providers, as applicable).
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INTELLECTUAL PROPERTY RIGHTS
Limited License 
‍Bloom grants you a limited worldwide, non-exclusive, revocable, non-sublicensable license right to use the Services for your own use in accordance with these Terms of Service and not for any other purpose. You acknowledge that Bloom (and/or its licensors and suppliers) own all right, title and interest in the Services, including all intellectual property rights protected by US and international law. You agree that you will not copy, reproduce, alter, modify, retransmit, redistribute, decompile, disassemble, reverse engineer, or create derivative works from the Services, the Site, or their underlying software. You also agree not to use any automated or manual process, robot, spider or screen-scraper to copy or monitor any part of the Services. By submitting a query or otherwise reviewing the information on this Site concerning Bloom or investments available through Bloom (the “Data”) you agree to the following: (i) you will not access the Data through automated or high-volume means; and (ii) you will not “scrape,” harvest or otherwise copy the Data except pursuant to your use of the Data in connection with the Services. 
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Copyright
‍All content and compilations included on the Services, such as text, graphics, logos, buttons, images, audio, video, charts, graphs, data compilations, and software, are the property of Bloom (and/or its licensors and suppliers or Third-Party Providers) and are protected by US and international law. 
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Trademark
‍Bloom, the Bloom logo, Bloom, the Bloom logo, and other marks indicated on the Services are trademarks of Bloom. Other graphics, logos, buttons, or service names are trademarks or trade dress of Bloom or its affiliates or Third-Party Providers.
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Applicable Policies
‍In addition to these Terms and Conditions, your access to and use of the Content and the Service is subject to Bloom’s then-current policies relating to the Content and the Service, including, without limitation, our Privacy Policy available on the Site. You agree to be bound by these policies and all other Bloom policies applicable to the access and use of the Content and the Service. By using the Service, you are consenting to have your personal data transferred to and processed by Bloom and its 4 affiliates. As part of providing you the Service, Bloom may need to provide you with certain communications, such as service announcements and administrative messages. These communications are considered part of the Service, which you may not be able to opt-out from receiving. 
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Advertising
‍Bloom and its licensees may publicly display advertisements and other information at Bloom. You are not entitled to any compensation for such advertisements. The manner, mode and extent of such advertising are subject to change without specific notice to you.
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Enforcement against Others
‍We are under no obligation to enforce the Terms of Service on your behalf against another user. While we encourage you to let us know if you believe another user has violated the TOS, we reserve the right to investigate and take appropriate action at our sole discretion.
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Your Cooperation
‍You agree not to, and will not assist, encourage, or enable others to use the Site to:Violate our Content guidelines, for example, by writing a fake or defamatory review, trading reviews with other businesses, or compensating someone or being compensated to write or remove a review;Violate any third party's rights, including any breach of confidence, copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right;Threaten, stalk, harm, or harass others, or promote bigotry or discrimination;Reverse engineer any portion of the Site;Send bulk emails, surveys, or other mass messaging, whether commercial in nature or not; engage in keyword spamming, or otherwise attempt to manipulate the Site’s search results or any third-party website;Solicit personal information from minors, or submit or transmit pornography;Violate any applicable law.Violate the Terms of Service;Modify, adapt, appropriate, reproduce, distribute, translate, create derivative works or adaptations of, publicly display, sell, trade, assign, sublicense, lease, 5 loan, rent, timeshare, otherwise transfer or in any way exploit the Site or any content on the Site, except as expressly authorized by Bloom; Use any robot, spider, site search/retrieval application, or other automated device, process or means to access, retrieve, scrape, or index any portion of the Site or any Site Content;Remove or modify any copyright, trademark or other proprietary rights notice that appears on any portion of the Site or on any materials printed or copied from the Site;Record, process, or mine information about other users; Access, retrieve or index any portion of the Site for purposes of constructing or populating a searchable database; orUse any device, software or routine that interferes with the proper working of the Site, or otherwise attempt to interfere with the proper working of the Site, violate the security of any computer network, crack passwords or security encryption codes; disrupt or interfere with the security of, or otherwise cause harm to, the Site or Site Content.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Contour Labs, Inc. or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.
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Privacy Policy
‍You represent that you have read and understood our Privacy Policy. Note that we may disclose information about you to third parties if we have a good faith belief that such a disclosure is reasonably necessary to (i) take action regarding suspected illegal activities; (ii) enforce or apply our Terms and Privacy Policy; (iii) comply with legal process or other government inquiry, such as a search warrant, subpoena, statute, judicial proceeding, or other legal process served on us; or (iv) protect our rights, reputation, and property, or that of our users, affiliates, or the public. If you use the Site outside of the United States, you consent to having your personal data transferred to and processed in the United States.
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Procedure for Submitting Claims of Copyright Infringement
‍In accordance with the Digital Millennium Copyright Act (DMCA), if you believe that your work has been copied in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, please contact the Bloom Copyright Agent at: 
Copyright Agent: [email protected]
Include the following information with your claim: (1) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest; (2) a description of the copyrighted work or other intellectual property that you claim has been infringed; (3) a description of where the material that you claim is infringing is located on the site; (4) your address, telephone number, and email address; (5) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (6) a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf.
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Indemnification
‍You agree to defend, indemnify and hold harmless Bloom, its officers, directors, investors, employees, contractors, agents, successors, assigns, information providers, licensors, subsidiaries and affiliates from any and all claims arising from, or in any way related to, your use of the Services (including attorneys’ fees and any fines, fees or penalties imposed by any regulatory authority). Bloom reserves the right, at its own expense, to assume the exclusive defense and control of any matter for which you are required to indemnify Bloom, and you agree to cooperate with our defense of these claims. Release of Bloom for Third Party Disputes. If you have a dispute with one or more users of the Services or any third party related to the Site or the Services, you release Bloom, its affiliates and service providers, and each of their respective officers, directors, agents, joint venturers, employees and representatives from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes. 
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GENERAL PROVISIONS
Contact AuthorizationBy submitting your contact information to Bloom, you agree that Bloom may contact you.
Relationship of the Parties Bloom is an independent contractor for all purposes. Nothing in these terms of service shall be deemed or is intended to be deemed, nor shall it cause you and Bloom to be treated as partners, joint ventures, or otherwise as joint associates for profit, or either you or Bloom to be treated as the agent of the other. 
Privacy of Others; Marketing If you receive information about another user through the Services, you must keep the information confidential and only use it in connection with the Services. You may not disclose or distribute a user’s information to a third party or use the information except as reasonably necessary to effectuate a transaction and other functions reasonably incidental thereto such as support, reconciliation and accounting unless you receive the user's express consent to do so. You may not send unsolicited email to a user through the Services. 
Taxes It is your sole responsibility to determine whether, and to what extent, any taxes apply to any transactions you conduct through the Services, and to withhold, collect, report and remit the correct amounts of taxes to the appropriate tax authorities. 
Arbitration; Waiver of Class ActionIf you have a dispute with Bloom, we will attempt to resolve any such disputes through our support team. If we cannot resolve the dispute through Our support team, you and we agree that any dispute arising under these terms of service shall be finally settled in binding arbitration, on an individual basis, in accordance with JAMS rules for arbitration of consumer disputes or commercial disputes, as applicable. You and Bloom hereby expressly waive trial by jury and right to participate in a class action lawsuit or class-wide arbitration. The arbitration will be conducted by a single, neutral arbitrator and shall take place in the county or city in which you reside if you reside in the United States, or in New York City if you reside outside the United States, or another mutually agreeable location, in the English language. The arbitrator may award any relief that a court of competent jurisdiction could award, and the arbitral decision may be enforced in any court. The prevailing party in any arbitration or subsequent action or proceeding under these terms of service shall be entitled to costs and attorneys’ fees.
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Computer Viruses
‍We shall not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses, spyware, scareware, Trojan horses, worms or other malware that may affect your computer or other equipment, or any phishing, spoofing or other attack. SMS and email services are vulnerable to spoofing and phishing attacks and should use care in reviewing messages purporting to originate from Bloom. 
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DISCLAIMERS OF WARRANTY
‍YOU UNDERSTAND AND AGREE THAT: 
BLOOM PROVIDES THE SERVICES ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. 
YOU RELEASE US, OUR SUBSIDIARIES, AFFILIATES, AND OUR AND THEIR DIRECTORS, OFFICERS, EMPLOYEES, PARTNERS, AND AGENTS (TOGETHER, THE “BLOOM PARTIES”) FROM ANY CLAIM, COMPLAINT, CAUSE OF ACTION, CONTROVERSY, OR DISPUTE (TOGETHER, “CLAIM”) AND DAMAGES, KNOWN AND UNKNOWN, RELATING TO, ARISING OUT OF, OR IN ANY WAY CONNECTED WITH ANY SUCH CLAIM YOU HAVE AGAINST ANY THIRD PARTIES. YOU WAIVE ANY RIGHTS YOU MAY HAVE UNDER CALIFORNIA CIVIL CODE §1542, OR ANY OTHER SIMILAR APPLICABLE STATUTE OR LAW OF ANY OTHER JURISDICTION, WHICH SAYS THAT: A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. ANY SOFTWARE OR OTHER MATERIAL THAT YOU DOWNLOAD OR OTHERWISE OBTAIN VIA THE SERVICE IS AT YOUR SOLE RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOUR COMPUTER SYSTEM OR FOR ANY LOSS OF DATA RESULTING FROM THE DOWNLOAD OF SUCH MATERIAL. THE INFORMATION PROVIDED BY THE SERVICES IS DEEMED TO BE ACCURATE BUT BLOOM CANNOT GUARANTEE ITS ACCURACY. TO THE FULLEST EXTENT PERMITTED BY LAW, BLOOM EXPRESSLY DISCLAIMS ALL WARRANTIES OR REPRESENTATIONS OF ANY KIND, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS, AND WARRANTIES REGARDING THE ACCURACY, SUFFICIENCY, VERACITY, VALUE, APPROPRIATENESS, CORRECTNESS, COMPLETENESS, LEGALITY, SECURITY, AVAILABILITY, OPERABILITY, TIMELINESS, RELIABILITY, OR USEFULNESS OF INFORMATION, DATA, SERVICES OR PRODUCTS PROVIDED THROUGH, OR IN CONNECTION WITH, THE SERVICE. BLOOM DOES NOT INTEND THE INFORMATION PROVIDED BY THE SERVICE TO BE A SUBSTITUTE FOR PROFESSIONAL ADVICE. YOU ARE RESPONSIBLE FOR CONFIRMING THE ACCURACY AND RELIABILITY OF ANY INFORMATION CONTAINED IN THE SERVICE.
LIMITATION OF LIABILITY YOU UNDERSTAND AND AGREE THAT: 
BLOOM AND ITS EMPLOYEES, CONTRACTORS, AGENTS, OFFICERS, DIRECTORS, INVESTORS, ASSIGNS, SUBSIDIARIES AND AFFILIATES SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF BLOOM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICE, WHETHER SUCH CLAIM IS BASED ON BREACH OF WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE. BLOOM’S AGGREGATE LIABILITY RELATING TO, ARISING OUT OF, OR IN ANY WAY IN CONNECTION WITH OUR TERMS, US, OR THE SERVICES WILL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU HAVE PAID US IN THE PAST TWELVE MONTHS.
BLOOM BEARS NO RESPONSIBILITY FOR ANY DAMAGES ARISING FROM ANY FAILURE OF PERFORMANCE, FAILURE TO STORE, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, ERROR IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, TELECOMMUNICATIONS LINE FAILURE, THEFT, DESTRUCTION, UNAUTHORIZED ACCESS, ALTERATION OR USE OF RECORDS, BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION.
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EXCLUSIONS
‍SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS AND DISCLAIMERS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, THE LIABILITY OF BLOOM, ITS OFFICERS, DIRECTORS, INVESTORS, EMPLOYEES, CONTRACTORS, AGENTS, ASSIGNS, SUBSIDIARIES AND AFFILIATES IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. 
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Amendments
‍We may amend or modify these terms of service by posting on the Bloom Site or emailing to you the revised terms of service, and the revised terms of service shall be effective at such time. If you do not agree with any such modification, your sole and exclusive remedy is to terminate your use of the Services and close your account. You agree that we shall not be liable to you or any third party for any modification or termination of the Services, or suspension or termination of your access to the Services, except to the extent otherwise expressly set forth herein. If the revised terms of service include a material change, we will endeavor to provide you advanced notice via Our website and/or email before the material change becomes effective. 
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Assignment
‍You may not assign any rights and/or licenses granted under these terms of service. We reserve the right to assign Our rights without restriction, including without limitation to any Bloom affiliates or subsidiaries, or to any successor in interest of any business associated with the Services. Any attempted transfer or assignment in violation hereof shall be null and void. Subject to the foregoing, these terms of service will bind and inure to the benefit of the parties, their successors and permitted assigns. 
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Severability
‍If any provision of these terms of service shall be determined to be invalid or unenforceable under any rule, law or regulation or any governmental agency, local, state, or federal, such provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible under any applicable law and the validity or enforceability of any other provision of these terms of service shall not be affected.
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Change of Control
‍In the event that Bloom is acquired by or merged with a third-party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you as part of such merger, acquisition, sale, or other change of control.
 
Governing Law
‍You agree that the laws of Delaware, without regard to principles of conflict of laws, will govern these terms of service and any claim or dispute that has arisen or may arise between you and Bloom, except to the extent governed by federal law. 

Contour Labs, Inc.'s business address is 651 N Broad St. (Suite #206) Middletown, DE 19709 and Bloom Investment Advisors, LLC's business address is 256 Chapman Road, Newark, DE 19702.
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Force Majeure
‍We shall not be liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to, any delay or failure due to any act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, other catastrophe or any other occurrence which is beyond Our reasonable control and shall not affect the validity and enforceability of any remaining provisions.

Transfer Cancellation Policy
Users can immediately cancel fund transfers made to and from Bloom accounts through the Bloom Parent app or the Bloom teen app before the funds are sent for clearance.

These social media disclosures are on behalf of Contour Labs, Inc. and Bloom Investment Advisors, LLC, a wholly-owned subsidiary of Contour Labs, Inc. (together, "Bloom"). Bloom Investment Advisors, LLC is an SEC registered investment adviser.

These social media disclosures are on behalf of Bloom. Any statements made via Bloom social media platforms are not intended as investment, tax, or legal advice. Investment advisory services are provided by Bloom. This content is not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Bloom is not registered. Investing in securities involves risk, and there is always the potential of losing money. Past performance is not a guarantee of future results. Bloom reserves the right to remove any comment that we deem to bean investment testimonial, spam, offensive, or otherwise inappropriate.

Bloom does not approve or endorse any third-party communications posted on its social media platforms and any such postings should not be attributed to Bloom. Bloom will not treat any social media post as a formal complaint. To submit a formal complaint regarding Bloom, please contact [email protected].

Any third-party links provided in posts by Bloom social media are offered as a matter of convenience and are not intended to imply that Bloom, its affiliates or employees endorse, sponsor, promote, and/or are affiliated with the owners of or participants in those sites, or endorse any information contained on those sites, unless expressly stated otherwise.

In no event shall Bloom, its respective affiliates, directors, officers, registered representatives, or employees, be liable for any damages of any kind (including, without limitation, special, incidental, indirect, or consequential damages) on any theory of liability arising out of or in connection with your access, use of, or inability to access or use, a social media platform. Use of a social media platform or any of Bloom’s social media platforms is at your own risk. Bloom reserves the right to block a user for inappropriate or offensive posts, such as spam or links to promotional sites.

We reserve the right to change these guidelines from time to time and without notice.

If you have an account issue that you can’t solve, we encourage you to reach out to our customer service at [email protected].

View Form ADV Part 2A Here

View Form CRS Here (Updated February 2024)