Orca Advisor Inc. — Terms of Service

Effective Date: November 11, 2025

1. Overview and Acceptance

Welcome to Orca Advisor, Inc. ("Orca Advisor," "we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of the Orca Advisor website, web application, reports, and related services (collectively, the "Services").

By creating an account, accessing, or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

You also agree to our Privacy Policy, which describes how we collect, use, and share information.

2. Eligibility and Account Registration

To use the Services, you must be at least 18 years of age, be using the Services for business or professional purposes, and provide accurate, current, and complete registration information. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

3. Services and Access

Orca Advisor provides business insights, analytics, and recommendations based on information you supply and data available through linked sources. These Services are provided for informational and educational purposes only and do not constitute legal, tax, accounting, or investment advice.

Access may be suspended or terminated if you violate these Terms or misuse the platform.

4. Partner Bank Relationships

Orca Advisor may share your business and account information, including assessment data, reports, and usage activity, with our Partner Banks.

5. Data Use and Sharing

By using the Services, you acknowledge that Orca Advisor may use the data you provide, and data collected through your use of the Services, to operate, maintain, and improve the platform. Orca may also use anonymized and aggregated data for benchmarking and research.

Infrastructure partners include Vercel, Supabase, Resend, Claude, ElevenLabs, and Gamma.

6. AI Processing and Recommendations

Some Services are powered by artificial intelligence and automated analysis. These features assist with business understanding and decision support but do not provide regulated financial advice.

7. Intellectual Property

All content, reports, and materials generated through the Services are the property of Orca Advisor or its licensors. You are granted a limited, non-exclusive, non-transferable license to access and use the Services for your internal business purposes only.

8. Confidentiality

Orca Advisor will treat all non-public information you provide as confidential, except as required to operate the Services or comply with applicable law.

9. Disclaimers and Limitation of Liability

This report and all outputs from the Services are intended for informational and educational purposes only. Orca Advisor Inc. has not audited or independently verified the information supplied. Analyses are illustrative and may differ materially. Nothing herein constitutes legal, tax, accounting, or investment advice.

To the maximum extent permitted by law, Orca Advisor and its affiliates shall not be liable for any indirect, incidental, or consequential damages. Total liability shall not exceed the amount paid for the Services in the prior 12 months.

10. Termination and Data Retention

You may stop using the Services at any time. Orca Advisor may suspend or terminate access at its discretion. Data is retained for more than one year to support comparative reporting and may be anonymized after inactivity.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Ohio. Any dispute arising under these Terms shall be resolved in the state or federal courts located in Ohio.

12. Contact

For questions, contact:

Orca Advisor Inc.

Email: support@orcaadvisor.com