1. TERMS OF SERVICE

Effective Date: [March 20, 2026]

By accessing or using this website, you agree to the following terms and conditions.

Acceptance of Terms

By accessing or using this website (the “Site”), you agree to these Terms. If you do not agree, do not use the Site.

No Investment Advice

Content is for informational and educational purposes only and is not: - Personalized investment advice - A recommendation to buy/sell securities - An offer or solicitation

Do not rely on this Site as the sole basis for investment decisions.

No Advisory Relationship

No advisory relationship is formed via this Site, including emails or forms. A relationship exists only after: - Required documentation - Signed advisory agreement

Regulatory Status

Soman Advisors, LLC is a California-registered investment adviser. Registration does not imply skill or training.

Services are only offered where properly registered or exempt.

Risk Disclosure

All investments involve risk, including loss of principal. No guarantees of: - Returns - Goals - Capital preservation

Hypothetical / Strategy Disclosure

Strategies shown are hypothetical and illustrative only. Actual results vary due to: - Market conditions - Execution - Liquidity - Client factors

Forward-looking statements are uncertain.

Derivatives Risk

Options/derivatives involve: - Leverage risk - Liquidity risk  - Model risk - Counterparty risk

Not suitable for all investors.

Third-Party Links

We are not responsible for third-party content or services.

Intellectual Property

All content is owned by Soman Advisors. No reproduction without consent.

User Conduct

You agree not to misuse the Site or submit false information.

Limitation of Liability

We are not liable for damages arising from Site use or reliance.

Indemnification

You agree to indemnify Soman Advisors for misuse or violations.

Website Availability

No guarantee of uptime, accuracy, or error-free operation.

Privacy Policy

See Privacy Policy below.

Governing Law

California law applies.

Modifications

Terms may change at any time.

Contact

Soman Advisors, LLC Cupertino, CA (508) 439-9786 [email protected]

2. PRIVACY POLICY

Overview

We respect your privacy and are committed to protecting your information.

Information Collected

·       Name, email, phone (via forms)

·       Website usage data (cookies, analytics)

Use of Information

·       Respond to inquiries

·       Provide services

·       Improve website

Sharing

We do not sell personal data. We may share with: - Service providers - Regulators (if required)

Data Security

We implement reasonable safeguards but cannot guarantee absolute security.

Cookies

We may use cookies for analytics and functionality.

Your Rights

You may request access, correction, or deletion of your data.

Third Parties

We are not responsible for third-party privacy practices.

Updates

Policy may change over time.

3. OPTIONS & STRATEGY RISK DISCLOSURE

General Risk

All investing involves risk of loss.

Options Risks

Options strategies involve: - Complex pricing - Time decay - Volatility sensitivity - Early assignment

Strategy-Specific Risks

Overlay and structured strategies may: - Limit upside - Require precise execution - Depend on market conditions

No Guarantee

There is no guarantee strategies will achieve intended outcomes.

Liquidity & Market Risk

Markets may become illiquid, affecting execution and pricing.

Tax Considerations

Strategies may have complex tax implications. Consult a tax advisor.

Suitability

Not all strategies are appropriate for all investors.