Important Disclosures & Terms and Conditions

Last Updated: February 23, 2024

Table of Contents

General Disclosures

We aren’t actually saying that by becoming an Arta member you’ll get a magical ability, like conjuring returns out of nothing or a crystal ball that lets you time the markets. The information displayed on this website, this video, or media from Arta Finance is for informational purposes only and is not an offer or solicitation to purchase or sell securities. Arta Finance believes information presented is accurate at the time of publishing, but may not be updated regularly. Investing involves risks, including the potential for principal loss. Past performance is no guarantee of future results.

The investments discussed herein may be unsuitable for investors depending on their specific investment objectives as well as financial and tax position. Investors should independently evaluate each investment discussed in the context of their own objectives, risk profile and circumstances before deciding to invest with Arta Finance. There is no guarantee that the strategies and services offered by Arta Finance will be successful or outperform other strategies and services. Investors should seek the advice of a tax professional before making any investment. All opinions expressed herein constitute the author or quoted individual(s)’s judgment as of the date of this document and are subject to change without notice.

Statements made are not facts, including statements regarding trends, market conditions and the experience or expertise of the author or quoted individual(s) are based on current expectations, estimates, opinions and/or beliefs. Opinions expressed by other members on Arta Insider should not be viewed as investment recommendations from Arta Finance. Endorsements and Testimonials were provided at the request of Arta Finance. Unless otherwise noted, testimonials are provided by clients and may not be representative of the experience of other clients. Arta Finance is not affiliated with and does not purport to own or control any third-party content linked herein.

Algorithmic Investment Recommendations

Arta Finance delivers investment recommendations algorithmically relative to investment opportunities. Such recommendations are based upon each individual client’s input and such input should be updated if the client becomes aware of material inaccuracies to ensure appropriate recommendations are provided. Arta Finance relies on the accuracy of such inputs in order to ensure suitable recommendations for each individual client.

Investors should note that recommendations provided to investors algorithmically are reliant on the training of the algorithm by Arta. This process is constantly evolving and being refined to meet our client’s needs, however, Arta can not guarantee all recommendations made by an algorithm will be appropriate for any individual client. As such, recommendations provided by an algorithm may carry enhanced levels of risk, may not be suitable for the client, and may result in the loss of principal if an investment is made based on the algorithmic recommendation. Clients should not rely solely on algorithmic recommendations when making investments.

AI-Managed Portfolios (“AMPs”)

AI-Managed Portfolios (“AMPs”) use proprietary algorithms to invest your funds based on the certain parameters you selected, such as risk and sector preferences. You cannot issue trading instructions to purchase and/or sell specific securities in your AMPs. Typically, it could take up to five trading days from your creation and funding of an AMP to when trading begins and your funds are invested. Arta will aim to evaluate whether the portfolio needs to be adjusted every trading day, but may not place trades every day. Certain AMPs seek to achieve a specific risk level as described during the AMP creation process. While AMPs are designed to closely target the preferences selected by the member, the portfolio may not always match the preferences due to market fluctuations, temporary suspension of trading, market fundamentals changing, and other factors beyond Arta’s control.

The AMPs trading algorithms will be updated over time, and clients with the same parameters may be managed by different versions of the algorithms as newer versions are progressively rolled out. Trading algorithms may be updated without notice. Clients may experience different outcomes as a result of how we manage portfolios that have a similar or same composition, in order to account for different tax situations (for example, cost basis and member-specific tax situations). Arta’s proprietary systems are intended to optimize tax efficiency within the applicable Arta account and do not necessarily factor in any individual client’s overall tax position. All investments carry risk of loss. Past performance is no guarantee of future results.

Harvest Treasuries AMP

Harvest Treasuries invests in ETFs that hold US treasuries. As of February 5, 2024. The annual percentage yield (APY) presented is estimated net of fees, and is based on the weighted average of the 30-day SEC yield of the underlying assets. The realized yield may be higher or lower. Past performance doesn’t guarantee future results. The methodology for the conversion from 30-day SEC yield to APY is as follows: APY = 365 * [(1 + SEC-Yield/2) ^ 2/365) -1]. All investments carry risk, including loss of principal.

Income from US Treasuries is exempt from State and Local taxes. Depending on your state and local tax situation, Harvest Treasuries tax-equivalent yield could be higher than the APY of 5.27%. For example, a California tax resident, married and filing jointly and in the highest tax bracket, would need a savings account that gives an equivalent yield as high as 6.85% to match what they’d get after-tax from the Harvest Treasuries AMP. Depending on your state and local tax situation, this AMP's post tax earnings could be higher than if the equivalent amount was invested in a high yield savings account. These examples are for illustrative purposes only. This is not tax advice. Seek the advice of a tax professional before making any investment.

The underlying treasuries change in value when interest rates fluctuate (or when future expectations of interest rates change). Typically, when interest rates go up, all else being constant, bond prices will go down given that the relative attractiveness of the coupon payment of the bonds is lower relative to what it was before. A reduction in interest rates, conversely, would lead to an increase in the Treasuries’ value. Short duration fixed income securities are less exposed to fluctuations in interest rates than longer duration securities. Harvest Treasuries invests in short duration US Treasuries, and this is reflected in the generally low annualized price volatility of the basket of ETFs held by the AMP.

National savings accounts average 0.47% APY (FDIC, January 16, 2024).

Classic Robo

Classic Robo constructs portfolios composed of exchange-traded funds (ETFs) based on their historical performance and other relevant factors. Clients can select the preset portfolio that most closely reflects their risk tolerance and investment objectives, and our algorithm will periodically rebalance to maintain the desired allocation between stocks and bonds.

There are limitations to algorithmic investing. While the client’s portfolio is designed to mirror the preset portfolio selected, the client’s portfolio may not match the preset portfolio at all times due to market fluctuations, temporary suspension of trading, market fundamentals changing, system disruptions, errors in data, and other factors beyond Arta’s control. Trading algorithms and preset portfolios may be updated without notice.

Clients may experience different outcomes as a result of how we manage portfolios that have a similar or same composition, in order to account for different tax situations (for example, cost basis and member-specific tax situations). Arta’s proprietary systems are intended to optimize tax efficiency within the applicable Arta account and do not necessarily factor in any individual client’s overall tax position.

All investments carry risk of loss and past performance is no guarantee of future results. The value of investments can go up or down, and you may lose some or all of your invested capital. It's important to carefully consider your risk tolerance and investment objectives before initially investing as well as on a continuous basis as your risk tolerance and investment objectives change.

Direct Indexing

All investments carry risk of loss and past performance is no guarantee of future results. The value of investments can go up or down, and you may lose some or all of your invested capital. It's important to carefully consider your risk tolerance and investment objectives before initially investing as well as on a continuous basis as your risk tolerance and investment objectives change. There is no guarantee that any particular asset allocation or mix of securities will meet your investment objectives and diversification does not ensure a profit or protect against a loss.

Clients may experience different outcomes as a result of how we manage portfolios that have a similar or same composition, in order to account for different tax situations (for example, cost basis and member-specific tax situations). Arta’s proprietary systems are intended to optimize tax efficiency within the applicable Arta account and do not necessarily factor in any individual client’s overall tax position.

There are limitations to algorithmic investing. While the client’s portfolio is designed to mirror the index selected, the client’s portfolio may not match the profile of the index at all times due to market fluctuations, temporary suspension of trading, market fundamentals changing, system disruptions, errors in data, and other factors beyond Arta’s control. Trading algorithms and the subset of securities that comprise the portfolio from the selected index may be updated without notice.

Micro Index & Custom Portfolios

All investments carry risk of loss and past performance is no guarantee of future results. The value of investments can go up or down, and you may lose some or all of your invested capital. It's important to carefully consider your risk tolerance and investment objectives before initially investing as well as on a continuous basis as your risk tolerance and investment objectives change. There is no guarantee that any particular asset allocation or mix of securities will meet your investment objectives and diversification does not ensure a profit or protect against a loss.

The preset portfolios are provided by Arta. Members should note that once any alteration is made to any preset portfolio, whether in securities selected or allocation weights, Arta has not reviewed such changes and investing in an altered portfolio is made at the member's sole discretion. Alterations made to preset portfolios do not represent investment advice or a recommendation by Arta.

Any custom portfolio built by a member does not represent investment advice or a recommendation by Arta. Arta has not reviewed such portfolios and investing in a custom portfolio is made at the member's sole discretion.

Clients may experience different outcomes as a result of how we manage portfolios that have a similar or same composition, in order to account for different tax situations (for example, cost basis and member-specific tax situations). Arta’s proprietary systems are intended to optimize tax efficiency within the applicable Arta account and do not necessarily factor in any individual client’s overall tax position.

There are limitations to algorithmic investing. While the client’s portfolio is designed to mirror the preset portfolio selected, the client’s portfolio may not match the profile of the preset portfolio at all times due to market fluctuations, temporary suspension of trading, market fundamentals changing, system disruptions, errors in data, and other factors beyond Arta’s control. Trading algorithms may be updated without notice.

Hypothetical Performance

Certain hypothetical and backtested scenarios (“hypothetical performance”) are presented within Arta’s application and/or advertising material to aid in the decision-making process. It is essential to recognize that these scenarios are illustrative and do not guarantee or predict future investment performance, and do not constitute an offer to invest in a specific product or strategy. Past performance, whether hypothetical or actual, is not indicative of future results. Actual outcomes may differ significantly due to market fluctuations, economic changes, and unforeseen events; your investment experience may vary depending on your individual circumstances, risk tolerance, and the timing of your investments. There are risks and limitations associated with the use of hypothetical performance, and such performance should not be used as the sole basis for investment decisions due to the fact that historical results cannot be duplicated. Hypothetical performance data is based on historical data and simulated returns for certain asset classes in a portfolio, program, or strategy. Although the hypothetical performance presented may have outperformed a benchmark when applied historically, this does not mean that the same model will outperform the same benchmark in future market conditions. Unless otherwise noted, hypothetical performance results do not take into consideration fees, taxes, or other costs associated with actual investment. Investment returns and principal values will fluctuate, and investors may lose money, including potential loss of principal.

Alternative Investments (“Alts”)

Alternative investments may not be suitable for all investors. Investors should read each private fund’s materials and offering documents thoroughly to ensure comprehension of the investment opportunity and its relevant terms. Investors with frequent liquidity needs may not be suited for alternative investments due to the nature and length of the time horizons of such investments, as well as the minimum investments required. Not all alternative investments presented on Arta’s platform are registered investment funds. Alternative investments have a higher risk profile than other traditional investment instruments, which includes, but is not limited to, risks relating to valuation, liquidity, and potential loss of principal. All investments carry risk of loss. Past performance is no guarantee of future results.

The information provided by Arta relative to alternative investments is typically provided directly from the issuer(s). Such information is subject to change; Arta does not own or control this information, and cannot guarantee its accuracy. Arta displays a select menu of alternative investments on its platform for client investment; there are additional private funds and alternative investments that Arta clients could select through other avenues that may have lower fees or may otherwise be more suitable for a particular client, or perform better than alternative investments presented via our platform. Arta may be viewed as endorsing certain private funds by virtue of presenting such funds on its platform. Arta does not receive any incentive compensation from any fund sponsor. Additional conflicts of interest regarding specific private funds are disclosed as applicable in each fund’s investment memo (brochure) on the platform. Please refer to our disclosure documents, including Form ADV and Form CRS, for additional disclosures relative to our alternative and private investment offerings. It should be noted that individual fund sponsors are ultimately responsible for decisions regarding admittance into any specific fund, and such decisions are not made by Arta.

Line of Credit

Securities eligible as collateral include qualified equity, mutual funds, investment-grade corporate or municipal bonds, U.S. Treasuries.

The Line of Credit is provided by BNY Mellon Pershing, Arta’s custodian, where your securities will be securely held.

If the value of your collateral drops below a specific limit set by Pershing, your securities might be sold without warning. This rule applies to all your accounts with Pershing, not just the Line of Credit account. Keep in mind that these collateral requirements may change based on Pershing’s decisions and market conditions.

Rates available to our members and listed on this website are subject to change based on the following formulas. For members with a line of credit under $1,000,000 USD, the formula is Federal Funds Target Rate + 1.20%. For members with a line of credit of $1,000,000 or more, the formula is Federal Funds Target Rate + 1.00%. As of December 4, 2023, the Federal Funds Target Rate is 5.50%. In addition to interest charges, margin lines of credit may be subject to additional fees or penalties, as applicable.

Interest accrues monthly. You can choose to pay or it will be added to your principal balance. Failing to pay interest on a monthly basis will increase your principal balance, which will increase your interest payments over time.

You should consult a tax professional about your personal tax situation prior to using Line of Credit.

Wealthgen Insurance

This is a general description of how some life insurance policies can work. It is not intended to be a recommendation for any specific insurance policy and does not constitute an offer to sell or a solicitation of an offer to buy any product or service. Life insurance policies are subject to underwriting and may not be right for everyone.

Not all insurance coverages, or features are available in all states and policy terms may vary based on individual state requirements. Arta Finance Insurance LLC is licensed insurance producer, not an insurance carrier.

Arta will receive a commission from the insurance company at no extra cost to you.

Premiums will depend on individual needs, age, health status, financial circumstances, and the size of the desired payouts.

Statements regarding income and estate taxes are based on Arta Insurance’s understanding of current tax laws, which may change over time. Arta is not a tax expert and you should consult a tax professional about your personal tax situation before you purchase a life insurance product or access cash value.

While generally these products can be passed to beneficiaries tax free, individual circumstances may vary where the tax free benefit cannot be applied, and taxes may be due upon passing the benefits of the product to your beneficiary(s).

Guarantees are backed by the claims paying ability of the insurer.

The interest credited in an indexed universal life is based on the performance of a broad market index, such as on the S&P 500. Variable universal life is based on the performance of sub-account investments. Values can go up or down depending on the performance.

Financing the premium is entirely optional.

Accessing your policy’s cash value will reduce your death benefit and may result in fees and charges. Additional premium may be required to maintain your policy in force.

Services provided through legal subsidiary of Arta Finance, Inc: Arta Finance Insurance LLC dba Arta Finance & Insurance Services.

Samita Malik's California Resident license number is 4217385.

Arta Finance Insurance LLC is licensed in the following states as an insurance producer:

Arizona, license #3002951070

Arkansas, license #3002954940

California, license #6008643

Colorado, license #831071

Connecticut, license #3002160698

Delaware, license #3002081442

District of Columbia, license #3002951132

Hawaii, license #3002950992

Illinois, license #3002908893

Indiana, license #3982722

Iowa, license #3002954872

Kansas, license #3002951113

Kentucky, license #1324041

Louisiana, license #1128025

Maine, license #AGN476432

Minnesota, license #40907401

Nebraska, license #3002951252

New Jersey, license #3002908947

New York, license #1829555

North Carolina, license #3002951007

North Dakota, license #3002951161

Oklahoma, license #3002955010

Rhode Island, license #3002951202

South Carolina, license #3002954809

South Dakota, license #10031684

Tennessee, license #3002954858

Washington, license #1244770

Wisconsin, license #3002951239

Wyoming, license #584139

Tax Advisory & Estate Planning

Arta's tax and estate planning services are for educational purposes only. Any advice provided is based on the information available at the time, and may not account for future changes in laws or circumstances. The information contained in any presentation relating to Arta’s tax advisory and estate planning services is not presented as a source of legal or tax advice. Clients should seek advice based on their particular circumstances from legal counsel and an independent tax advisor. Any review, analyses, or preliminary findings and proposed strategies contemplated in a presentation, or discussed in subsequent conversations with any Arta employee, is dependent on the accuracy of the information provided to Arta.

Nothing contained in any presentation relating to Arta’s tax advisory and estate planning services is intended to be used, or may be relied upon or used, by any taxpayer for the purposes of avoiding penalties that may be imposed on the taxpayer under the Internal Revenue Code of 1986, as amended.

Services provided through legal subsidiary of Arta Finance, Inc:

Arta Finance Club LLC

Personal Investment Advisor

Arta’s Personal Investment Advisor services offer a range of financial advisory services, including but not limited to investment planning, retirement planning, and risk management. The services provided are tailored to your specific financial situation and goals, as you articulate them to Arta. 

Compensation is typically based on a fee-only structure, which means fees are charged for the services provided. Clients should refer to the specific pricing articulated in the Arta platform, specifically in the Personal Investment Advisor brochure. Arta does not receive commissions or compensation from third parties for recommending specific financial products or services.  

It's essential to understand that conflicts of interest can arise in any financial advisory relationship. Arta is committed to managing actual or potential conflicts in your best interest.

If you choose to utilize Personal Investment Advisor services, it’s essential that you provide accurate and complete information about your financial situation, goals, risk tolerance, and any other applicable suitability information. Please promptly inform Arta of any changes in your circumstances that may affect the advice or recommendations that are provided.

Income Stream Options

Risk of early exercise - it is possible you may sell your equity position (at the agreed price) even before the end of term.

While the behavior of the contract at expiration is defined, intermediate values of options will fluctuate with market conditions - if you use this service, you should intend to keep it through the contract term.

In this agreement, the buyer has ultimate discretion whether to purchase shares from you, even if the price rises above the agreed level. There is some downside protection for your equity position with the Income Stream strategy, but it's limited to the cash you received when you sell the option. Past performance is no guarantee of future results.

You should consult a tax professional about your personal tax situation prior to using Income Stream Options.

To learn more about the risks associated with options, please read the Characteristics and Risks of Standardized Options before you begin trading options.

Smart Hedging

Risk of early exercise - it is possible you may sell your equity position (at the agreed price) even before the end of term.

If you opt for Smart Hedge, it is advisable to hold onto it for the entire duration, which typically lasts around 3 months, as exiting the position early can be expensive. Please note that the duration may vary.

Be aware that the value of Smart Hedge might fluctuate during this time frame due to changes in market conditions.

All investments carry risk of loss. Clients may incur additional fees and expenses such as transaction costs and applicable taxes. Past performance is no guarantee of future results.

You should consult a tax professional about your personal tax situation prior to using Smart Hedging.

To learn more about the risks associated with options, please read the Characteristics and Risks of Standardized Options before you begin trading options.

Structured Products

An investment in a Structured Product involves significant risks. Such investments are not equivalent to investing directly in the underlying asset(s) or its components. Arta Finance urges you to read a more detailed explanation of risks relating to Structured Products in the material(s) provided by the underlying Issuer, which can be found on the Arta Platform. You should not purchase a Structured Product unless you understand and can bear the risks of making such an investment. Past performance is no guarantee of future results.

Structured Products are not suitable for all investors. When considering an investment in a Structured Product, investors should carefully consider, with applicable advisors, the suitability of any Structured Product in light of desired investment objectives and risk tolerance. Arta does not make any recommendation as to the suitability of investment in Structured Products. Arta displays a select menu of structured products on its platform for client investment; there are additional structured product investments that Arta clients could select through other avenues that may perform better than structured products presented on Arta’s platform or even have lower fees. Additional educational information regarding Structured Products provided by the SEC can be found here.

Principal is subject to issuer credit risk, unless the offering is specifically described as a “Structured Certificate of Deposit” or “Structured CD,” in which case FDIC insurance of principal up to $250,000 would apply. That is, if the underlying institution that issues the structured product defaults, investors may lose principal. Investors in Structured Products will not receive dividends typically available to investors in the underlying asset(s), as applicable.

Certain Structured Products may offer periodic liquidity, though this is not guaranteed. Investors should intend to hold these investments for their full term.

Please note that tax treatment of investments in Structured Products are often unique and investors should consult a tax professional prior to making any investment.

Social Media

All statements made via social media accounts sponsored or maintained by Arta Finance or certain Arta employees are not intended as investment, tax, or legal advice or recommendations. All such statements are for informational purposes only and do not constitute a comprehensive description of Arta Finance’s investment advisory services or any recommendations related to securities or investment products. Arta Finance is not responsible for, and does not endorse, the content by other users or followers of the social media sites sponsored or maintained by Arta Finance. Arta Finance is also not responsible for the terms of use or privacy or security policies of any third-party social media sites, and you use such sites at your own risk.

Arta Finance reserves all rights to block any user or follower who posts, tweets or retweets content that is deemed inappropriate or offensive or constitutes spam, a testimonial, advice, a recommendation, or advertisement for securities, products, or services, is promotional in nature, or otherwise violates regulatory guidelines. Arta Finance also reserves all rights to block users or followers whose posts, tweets, or retweets contain offensive or inappropriate content or serve as promotional sites. Arta Finance maintains full discretion in determining which users to block and what content is deemed inappropriate. Any opinions expressed by our users or followers are those of the persons submitting the comments and do not represent the views of Arta Finance.

Testimonials may not be representative of the experience of other clients. Testimonials are not a guarantee of future performance or success.

Waives Terms and Conditions

“Waives” can be applied to certain assets on the Arta platform to waive fees charged by Arta on those assets for 500 calendar days. The value of the fee waiver varies depending on the type of asset and amount of Waives used. Arta determines which assets are eligible for Waives in its sole discretion.

Waives are applied to the initial value of the assets and will not cover any fees created by the appreciation of the assets. Once applied, Waives are removed from the member’s balance and will not be refunded to the member if the assets decrease in value.

Members can have two categories of Waives at the same time: Waives that can be used against the member’s assets, and Waives that can be gifted to other members. Waives for gifting to other members can only be used by members other than the original recipient of the Waives.

Waives can be accepted anytime by anyone who qualifies with access to the acceptance link, but will expire after 60 days from the date of acceptance if not applied to assets. Waives must be accepted within six months from creation by the giving member.

Waives do not affect fees and costs charged by third parties, including but not limited to fees charged by funds and custodians. Upon the closure of a member’s account for any reason, the member’s Waive balances will be forfeited.

Ring the Bell Contest Official Rules

NO PURCHASE OR ACCOUNT FUNDING NECESSARY TO ENTER OR WIN. A PURCHASE OR FUNDING AN ACCOUNT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING.

ENTRY INTO THIS CONTEST CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES (“RULES”) AND THE DECISIONS OF ARTA, WHICH SHALL BE FINAL IN ALL RESPECTS. CONTEST IS GOVERNED BY U.S. LAW AND IS SUBJECT TO ALL FEDERAL, STATE AND LOCAL LAWS, REGULATIONS, AND ORDINANCES.

ELIGIBILITY: To be eligible to be selected for the Arta ‘Ring the Bell’ Contest (“Contest”), you must be a legal resident of the 50 United States (including the District of Columbia) age 19 years of age or older in Alabama and Nebraska; 21 years of age or older in Mississippi; or 18 years of age or older in all other states including the District of Columbia at time of entry (collectively referred to as an “Entrant”). Employees of Arta Finance, Inc. (the “Sponsor” or “Arta”), and its respective parent company, subsidiaries, affiliated or successor companies; subsidiaries, distributors, dealers, sales representatives, web masters/suppliers, advertising and promotional agencies, anyone associated with the development, implementation or execution of this Contest (collectively referred to hereafter as the “Contest Entities”), and members of the immediate families (defined as: spouse, biological, adoptive and step-parents, grandparents, siblings, children and grandchildren, and each of their respective spouses, regardless of where they reside) or households (whether related or not) of any of the above are not eligible to enter or win. Void where prohibited or restricted by law.

CONTEST ENTRY PERIOD: The Contest begins at 12:00:00 a.m. Eastern Time (“ET”) on Feburary 23, 2024 and ends at 11:59:59 pm ET on March 6, 2024 (“Contest Entry Period”).

HOW TO QUALIFY FOR ENTRY: To enter the Contest, an Entrant must do one of the following steps during the Contest Entry Period:

1. Answer a Poll series at arta.finance/polls and be an existing Arta member in good standing as of March 6, 2024 to receive one (1) entry.

There is a limit of one (1) entry per Entrant/household for the duration of the Contest Entry Period. Use of any automated, robotic, or similar methods or agents to participate or subvert the process is prohibited and will result in disqualification. Any attempt by an Entrant to obtain more entries by using multiple/different accounts, identities, registrations and logins, or any other methods will void that Entrant’s entries and that Entrant will be disqualified. Mechanically reproduced entries will be disqualified along with all entries associated with the disqualified entry or entries. Sponsor is not responsible for lost, late, garbled, damaged, illegible, incomplete, inaccurate, misdirected, postage due mail or mutilated, entries. All entries submitted become property of the Sponsor and will not be acknowledged or returned.

WINNER SELECTION & ODDS: Winners will be selected from all eligible entries received during the Contest Entry Period. Selection will be conducted on or about March 6, 2024 by the Administrator whose decisions are final and binding. One entry per Arta account.

WINNER NOTIFICATION & VERIFICATION: All potential winners will be notified by email within three (3) business days from the selection date and will be required to complete and return an Affidavit of Eligibility/Liability/Publicity Release plus an IRS W9 Form which must be completed, signed, and returned to Administrator within three (3) days from date on notification. At the sole discretion of the Sponsor, disqualification, forfeiture and the selection of an alternate winner may result from any of the following: [1] a potential winner’s failure to respond to email notification within three (3) days after emailing/transmission; [2] the return of an email notification or message as undeliverable; [3] the receipt of any other notice from Sponsor or an undeliverable prize; [4] a potential winner’s failure to provide Sponsor with satisfactory proof of age, identity and residency; [5] a potential winner’s failure to execute and return within three (3) days after its deployment or mailing notification an Affidavit of Eligibility/Liability/Publicity Release and/or any required documents; [6] a potential winner’s failure to claim prize within three (3) days after he or she is confirmed as a winner; and [7] any other non-compliance with Rules. In the event of prize forfeiture, the Sponsor may, in its sole discretion, award or not award the forfeited prize to an alternate winner. Sponsor shall have no liability if notification is lost, intercepted, or not received for any reason. Sponsor is not responsible for any change in winner’s email account or other contact information after entering the Contest.

EACH POTENTIAL WINNER IS SUBJECT TO VERIFICATION BY SPONSOR. AN ENTRANT IS NOT THE WINNER UNLESS AND UNTIL HE/SHE HAS BEEN VERIFIED AND NOTIFIED THAT THE VERIFICATION IS COMPLETE.

PRIZE DETAILS: ONE (1) GRAND PRIZE: Grand Prize winner will receive a trip to New York which includes a round trip domestic flight within the United States from the winner’s home location to New York City and one night accommodation at a hotel of Sponsor’s choosing. The Grand Prize winner may select another Arta member provided such member has created an account before March 6, 2024 (“Grand Prize friend”)  to accompany them on the trip and Arta will provide the Grand Prize friend a domestic flight within the United States from the Grand Prize friend’s home location to New York City, and one-night accommodation at a hotel of Sponsor’s choosing. Arta will cover additional costs for transportation up to the value of $150. Arta will book all flights and accommodation at its discretion. The Grand Prize winner and Grand Prize friend, if applicable, will be able to attend the NASDAQ ringing the bell event. 

No transfer of prize to a third party is permitted. All taxes are the sole responsibility of each winner. An IRS form 1099 will be filed in the name of each winner for the value of the prize. Except where prohibited by law, entry and acceptance of prize constitute permission for Sponsor and its agents to use each winner’s name, prize won, hometown, likeness, video tape, photographs, and statements for purposes of advertising, promotion, and publicity (including online posting) in all media now or hereafter known throughout the world in perpetuity, without additional compensation, notification, or permission.

CONSENT AND RELEASE: To the fullest extent possible in law, Entrants and any coordinating entity, and on behalf of their respective heirs, executors, administrators, legal representatives, successors and assigns (“Releasing Parties”), release, defend and hold harmless the Contest Entities and their associated companies and directors, affiliated or successor companies and their respective owners, members, shareholders, officers, directors, partners, equity holders, agents, representatives, employees and all others associated with the development and execution of this Contest (collectively, “Releasees”) from and against any and all claims, actions, causes of action, suits, liabilities, debts, dues, sums of money, accounts, reckonings, bonds, bills, specialties, covenants, contracts, controversies, agreements, promises, variances, trespasses, lost profits, indirect or direct damages, consequential damages, incidental damages, punitive or exemplary damages, judgments, extent, executions, claims and demands whatsoever, in law, admiralty or equity, whether known or unknown, foreseen or unforeseen, against Releasees which any one or more of the Releasing Parties ever had, now have or hereafter can, shall or may have which in any way arise out of or result from Entrant’s participation, acceptance and use or misuse of a prize or resulting from any travel related activity (if determined a winner).

By entering this Contest, you as an Entrant, agree, represent and warrant that: [1] you will be bound by the Rules and Sponsor’s decisions, which shall be final in all respects; [2] in the event viruses, bugs, unauthorized human intervention, or regulations of any governmental or supra-national authority, war, national emergency, accident, fire, riot, strikes, lock-outs, industrial disputes, acts of terrorism or other matters beyond the Sponsor’s reasonable control, corrupt, prevent or impair the administration, security, fairness or proper play of the Contest, that it cannot be conducted as originally planned, except where prohibited by law, Sponsor has the right, in its sole discretion, to modify the Rules or to cancel, terminate or suspend the Contest; and in such event, to select applicable winner(s) by such method as Sponsor in its sole discretion shall consider equitable; [3] the Releasees are not responsible for typographical or other errors in the offer or administration of the Contest, including but not limited to: errors in the advertising, Rules, selection and announcement of winners; [4] the Releasees are not responsible for any inability of any winner to accept or use prize for any reason; [5) the Sponsor has the right, in its sole discretion, to disqualify any individual it suspects of any of the following: (a) tampering or attempting to tamper with the entry process or the operation of the Contest; (b) violating the Rules and/or the Sponsor’s Privacy Policy; (c) violating any other terms, conditions of use and/or general rules or guidelines of any Contest property or; and (6) any attempt by any individual to deliberately undermine the legitimate operation of the Contest is a violation of these Rules as well as criminal and civil laws; and should Sponsor believe or become aware that such an attempt has been, is being, or will be made, it has the right to seek remedies and damages from any responsible individuals to the fullest extent permitted by law, including without limitation criminal prosecution.

By participating in this Contest, each Entrant expressively waives and relinquishes all rights and benefits afforded by California Civil Code 1542 and does so understanding and acknowledging the significance of this waiver. Section 1542 states as follows: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DID NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN, BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR THE RELEASED PARTIES.”

ARBITRATION: These Contest Rules shall be governed by and interpreted under the laws of the State of California, U.S.A., without regard to its conflicts of laws provisions. Each Entrant hereby agrees that any and all disputes, claims, causes of action, or controversies (“Claims”) arising out of or in connection with this Contest or prizes shall be resolved, upon the election by Entrant or Sponsor, by arbitration pursuant to this provision and the code of procedures of either the National Arbitration Forum (“NAF”) or the American Arbitration Association (“AAA”), as selected by Entrant. IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM. FURTHER, NEITHER SPONSOR NOR ANY ENTRANT WILL HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC OR OTHER PERSONS SIMILARLY SITUATED, OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT AN ENTRANT WOULD HAVE IF ENTRANT WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. ANY CLAIMS, JUDGMENTS AND/OR AWARDS SHALL BE LIMITED TO ACTUAL OUT-OF-POCKET COSTS ASSOCIATED WITH ENTERING THIS CONTEST. EACH ENTRANT HEREBY WAIVES ANY RIGHTS OR CLAIMS TO ATTORNEY’S FEES, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ENTRANT, WHETHER FORESEEABLE OR NOT AND WHETHER BASED ON NEGLIGENCE OR OTHERWISE. The arbitrator’s authority to resolve Claims is limited to Claims between Sponsor and any Entrant alone, and the arbitrator’s authority to make awards is limited to awards to Sponsor and Entrant alone. Furthermore, claims brought by either party against the other may not be joined or consolidated in arbitration with Claims brought by or against any third party, unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in these Rules and without waiving either party’s right to appeal such decision, should any portion of this provision be deemed invalid or unenforceable, then the entire provision (other than this sentence) shall not apply

In the event there is a discrepancy or inconsistency between disclosures or other statements contained in any Contest-related materials or made by any representative of Sponsor, and the terms and conditions of these Rules, these Rules shall prevail, govern, and control.

PRIVACY: By entering the Contest, the information Entrants provide may be sent to promotional partners. Entrants may be contacted by the Sponsor and any promotional partners with future promotional offers. Information provided by Entrants to participate in this Contest is subject to Sponsor’s privacy policy. 

SPONSOR and ADMINISTRATOR: Arta Finance Inc., 153 Castro St. Suite 200, Mountain View, CA 94041

SEVERABILITY: The invalidity or unenforceability of any provision of these Rules shall not affect the validity or enforceability of any other provision. In the event any provision is determined to be invalid or otherwise unenforceable or illegal, these Rules shall otherwise remain in effect and shall be construed in accordance with their terms as if the invalid or illegal provision were not contained herein.

WINNERS LIST: For a Winners List (available after March 18, 2023), send a self-addressed, stamped envelope by March 20, 2024 to: Arta Finance, Inc. ℅ Winners List, 153 Castro St. Suite 200, Mountain View, CA 94041.

This Contest is in no way promoted, endorsed, or administered by, or associated with any social media entity. Any questions, comments or complaints regarding the Contest must be directed to the Sponsor, and not to any social media entity.

All other trademarks used herein are the property of their respective owners.

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