Legal and Disclosures

Greenwood Financial Technologies, Inc. ("Greenwood") is a financial technology company. Greenwood is not a bank, is not a broker-dealer, is not a licensed custodian, and does not take deposits. Banking-like services are provided through self-custodial stablecoin accounts that are controlled solely by the member.

Cards. The Greenwood Card is issued by a licensed card-issuing partner pursuant to a license from the relevant card network. Card availability varies by jurisdiction. The issuing partner may decline, suspend, or restrict card use, and may withhold funds relating to a disputed transaction, under its own terms.

Tokenized securities. Tokenized stocks are issued, custodied, and administered by regulated third-party issuers, not by Greenwood. Greenwood does not provide brokerage, custody, clearing, or investment advice. Availability is restricted by jurisdiction and by issuer, and eligibility requirements including identity verification apply. Tokenized stocks may carry different rights than direct share ownership, including with respect to voting.

Stockback. Stockback is a rewards program, not investment advice or a recommendation of any security. Rewards are delivered as tokenized assets whose value fluctuates and may fall. Rates, caps, and eligibility are subject to Terms and Conditions and may change on notice.

Borrowing. The Portfolio Line is a collateralized borrowing facility. Collateral may be liquidated without further notice if its value falls below required thresholds, which may result in loss and may create taxable events. Interest accrues on drawn balances. Borrowing is not available in all jurisdictions.

Yield. Estimated APY is variable, sourced from third-party onchain lending protocols, and is not guaranteed. Past performance does not predict future returns. Yield is generated by the protocols, not by Greenwood. Greenwood retains a published share of yield above a stated threshold.

No deposit insurance. Accounts and balances are not FDIC insured, not SIPC insured, and not guaranteed by any government agency or by Greenwood. Any cover for smart contract failure, once live, is a distinct insurance-like product with its own terms and is not deposit insurance.

Digital assets. Digital assets are volatile and may lose value. Stablecoins carry issuer and reserve risk. Onchain protocols carry smart contract, curator, liquidity, and bad debt risk.

GWOOD. GWOOD is not offered or sold by this documentation. It confers no claim on Greenwood Financial Technologies, Inc., its revenues, or its assets. Descriptions of future functionality are statements of intent, not commitments, and are subject to change and to regulatory constraints.

Self-custody. Members control their own keys. Greenwood cannot access, move, freeze, or recover member funds. Members are responsible for maintaining access to their passkeys and recovery devices.

Availability. Products and features described in these docs may be in limited release, gated by waitlist ring, or unavailable in certain jurisdictions. Features marked as opening in rings are not yet generally available.

Independence. Greenwood is built on Robinhood Chain but is not affiliated with, operated by, or endorsed by Robinhood Markets, Inc.

For questions: admin@greenwood.fi. Security reports: security@greenwood.fi.