Terms of Use

This Terms of Use Agreement ("Agreement") is entered into between IPVALUE MANAGEMENTS GROUP LLC ("Company," "we," "us," or "our") and you ("Participant," "Contributor," or "you").

By accessing or using our platform, making any capital contribution, or participating in our business operations, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.

2.1 What Your Participation IS

• A contractual operational contribution to support the Company's active business operations
• A structured business participation where you may receive performance-based returns
• A voluntary arrangement governed entirely by the written terms contained herein
• Subject to the inherent risks of commercial business operations

2.2 What Your Participation IS NOT

• A securities offering, stock issuance, or bond issuance
• A guaranteed income product or fixed-yield instrument
• Equity ownership, partnership interest, or shareholder rights
• A loan, deposit account, or banking product
• An investment advisory or fiduciary relationship
• A guarantee of any specific financial return

2.3 No Ownership Rights

Your contribution does not grant you any ownership interest, voting rights, managerial authority, governance rights, board representation, or any other rights typically associated with equity ownership.

3.1 Representations

By participating, you represent and warrant that:

• You are of legal age and have the legal capacity to enter into this Agreement
• You have read and understood all terms
• You are contributing funds that you are legally authorized to use
• Your contribution does not create undue financial hardship
• You understand that this is NOT a deposit account or guaranteed investment
• You have conducted your own independent evaluation

3.2 Prohibited Conduct

Participants shall NOT:

• Represent the Company's participation structure as a securities offering
• Make unauthorized representations about guaranteed returns
• Describe participation as equity ownership or partnership
• Claim the Company is a bank or investment advisor
• Use the Company's materials without written authorization
• Engage in conduct that damages the Company's reputation

4.1 Operational Authority

The Company maintains exclusive authority over all business operations.

• Strategic and operational decision-making
• Product sourcing, pricing, and inventory management
• Marketing, advertising, and promotional activities
• Vendor and supplier relationships
• Platform operations and technology decisions
• Hiring, personnel, and organizational structure

4.2 Right to Modify

The Company reserves the right to modify, suspend, or discontinue any aspect of its operations at its sole discretion.

This Agreement constitutes the entire understanding between the parties.

6.1 Term Expiration

At the natural expiration of your participation term, you may elect to:

• Withdraw according to the capital return provisions
• Renew participation under a new written agreement
• Allow funds to remain subject to updated terms

6.2 Early Termination

Early termination requests are discretionary and subject to:

• Written request submission
• Company review and operational feasibility assessment
• Available liquidity conditions
• Administrative adjustments as outlined in your Contribution Agreement

This Agreement shall be governed by the laws of the State of Michigan.

All disputes shall be resolved through the following process:

1. Internal Resolution: First attempt resolution through good faith discussion.
2. Mediation: If unresolved, parties shall submit to non-binding mediation in Michigan.
3. Binding Arbitration: If mediation fails, disputes shall be resolved through binding arbitration.

If any provision is determined invalid, the remaining terms shall continue in full force.