Tempus

1. SEC Registration

Tempus, Inc. is a registered investment advisor with the U.S. Securities and Exchange Commission (SEC). Our SEC registration does not imply a certain level of skill or training.

2. Investment Advisory Services

We provide investment advisory services through our automated platform. Our recommendations are based on algorithms and models derived from the information you provide. These recommendations are impersonal and do not take into account your full personal financial situation or assets held outside of Tempus. It is your responsibility to ensure the Service is suitable for your financial needs.

3. Market Risk

Investments are subject to market risk, including the risk of loss. Market conditions can change rapidly and unpredictably and may affect the value of your investments.

4. Brokerage and Custody Services

Tempus provides investment advisory services. We are not a broker-dealer or a custodian. All brokerage and custody services (including holding your cash and securities) are provided by Apex Clearing Corp., a third-party SEC-registered broker-dealer and member of FINRA/SIPC.

All assets in your account are protected by SIPC up to $500,000 (including $250,000 for cash claims). SIPC does not protect against market loss or a decline in the value of your securities.

5. Technology Risk

Our platform relies on technology and algorithms. Technical failures, software bugs, cyber-attacks, or system outages may affect our ability to provide services or may result in errors in the management of your account.

6. Fees and Expenses

We charge advisory fees as disclosed in our Form ADV Part 2A (our "Brochure") and our public fee schedule. You are also responsible for other fees and expenses charged by third parties, such as the underlying expense ratios of the Exchange-Traded Funds (ETFs) or mutual funds held in your portfolio.

7. No Guarantee of Returns

We do not guarantee any specific level of return or that your investments will be profitable. All investments carry the risk of loss, and you may lose the entire amount you invest.

8. Not Tax or Legal Advice

Tempus does not provide tax, legal, or accounting advice. The information provided by the Service is for informational purposes only and should not be considered a substitute for consultation with a qualified professional.

9. Consent to Electronic Communications

By using the Service, you consent to receive all communications from us, including legal disclosures, account statements, trade confirmations, and tax forms (e.g., Form 1099), electronically via our platform or by email.

10. Regulatory Information

Our Form ADV Part 2A is available on our website and at the SEC's Investment Adviser Public Disclosure (IAPD) website. This document contains important information about our advisory services and business practices.

11. Contact Information

For questions about these disclosures or our services, please contact us at disclosures@tempus.app