Compliance — WealthGrid

Regulatory Status

WealthGrid Management LLC is a financial technology platform. We are not a registered investment adviser (RIA), broker-dealer, commodity trading adviser (CTA), commodity pool operator (CPO), or financial planner regulated by the SEC, CFTC, FINRA, or any state securities regulator.

Our WealthStream™ managed trading service operates through third-party licensed brokers. All client funds are held at the licensed broker in accounts under the client's name. WealthGrid does not take custody of client funds.

Regulatory Frameworks

AML

Bank Secrecy Act

We maintain AML policies including customer identification and suspicious activity monitoring consistent with federal requirements.

Identity

USA PATRIOT Act

We verify client identity and screen against OFAC, FinCEN, and applicable sanction lists as required by law.

Data Privacy

Gramm-Leach-Bliley Act

We protect client nonpublic personal information and do not sell it to third parties for marketing purposes.

E-Signatures

ESIGN Act

Client agreements are executed electronically pursuant to the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. § 7001.

Communications

TCPA

We obtain express written consent before sending marketing communications via phone or SMS, consistent with the Telephone Consumer Protection Act.

State Privacy

CCPA / CPRA

California residents have rights to access, delete, and opt out of the sale of personal information. We honor all requests at privacy@wealthgrid.ai.

KYC / Identity Verification

All clients are required to complete Know Your Customer (KYC) verification before accessing trading services. This includes verification of government-issued identification, address, and, where required, source of funds. KYC procedures are administered in accordance with FinCEN Customer Due Diligence rules and applicable state law.

WealthGrid reserves the right to refuse service, suspend accounts, or terminate relationships with any party who fails to satisfy KYC requirements or raises AML concerns.

Accredited Investor Requirements

Certain WealthGrid services, including elements of the WealthStream™ managed trading program, may be available only to accredited investors as defined under Rule 501 of SEC Regulation D (17 C.F.R. § 230.501). An accredited investor generally includes individuals with annual income exceeding $200,000 (or $300,000 jointly) in each of the two most recent years, or a net worth exceeding $1,000,000 excluding primary residence.

WealthGrid relies on client self-certification of accredited investor status. By representing yourself as an accredited investor, you acknowledge personal responsibility for the accuracy of that representation.

Dispute Resolution

All disputes between clients and WealthGrid are subject to binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, with proceedings conducted in Florida or by videoconference. Class action waivers apply. See our Terms of Service, Section 17 for the complete arbitration agreement.

Clients may opt out of the arbitration agreement within 30 days of first accepting our Terms by sending written notice to legal@wealthgrid.ai.

Governing Law

All agreements between WealthGrid and its clients are governed by the laws of the State of Florida, without regard to conflict of law principles. For matters not subject to arbitration, the parties consent to exclusive jurisdiction in the state and federal courts of Florida.