Important Disclosures & Terms and Conditions
Last Updated: December 3, 2024
Table of Contents
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. Our products and services are only available to Accredited Investors. This material has not been reviewed by the Monetary Authority of Singapore.
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.
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”) 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.
High-Yield Cash Reserve invests in ETFs that hold US treasuries. As of December 2, 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.
Gains from buying and selling short-term Treasury ETFs are subject to capital gains taxes. If held for one year or less, gains are taxed at short-term rates, which are equivalent to your ordinary income tax rate. Consult with a tax advisor to understand the tax implications for your specific situation.
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.
Classic Robo constructs portfolios composed of exchange-traded funds (ETFs) based on their historical performance and other relevant factors.
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.
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 of fractional shares is not supported, and in such instances the number of shares will be rounded down to the nearest whole number. Trading algorithms and the subset of securities that comprise the portfolio from the selected index may be updated without notice.
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.
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 certain 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 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.
Arta operates a sweep platform that automatically purchases, or sweeps, the uninvested cash balance in your brokerage account(s) to money market mutual funds ("Money Funds"). The sweep feature also automatically returns balances held in Money Funds to your brokerage accounts when you need them to cover purchases of securities, withdrawal requests and other debits. All swept balances from brokerage accounts are held in accounts at the Money Fund provider.
Money Funds are securities that may increase or decrease in value. In general, Money Funds are designed and managed with the objective of preservation of capital and maintenance of liquidity, but unlike bank deposits, an investment in a Money Fund is not insured by the Federal Deposit Insurance Corporation ("FDIC") or any other government agency, and there can be no assurance that such funds will be able to maintain a stable net asset value of $1 per share. It is possible to lose money by investing in a Money Fund, including loss of principal. In addition, certain Money Funds may temporarily suspend your ability to sell shares if the fund's liquidity falls below requirement minimums because of market conditions or other factors.
Securities in your brokerage account(s) are eligible for protection by the Securities Investor Protection Corporation ("SIPC") up to a maximum of $500,000 per customer (including a maximum of $250,000 for uninvested cash held in the brokerage account). Note that SIPC does not insure against the loss of value of any investment or product. You should carefully consider the investment objectives, risks, charges and expenses of Money Funds before investing. The prospectus of a Money Fund contains important information on the Fund.
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 | 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 November 6, 2024, the Federal Funds Target Rate is 5.00%. 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.
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.
Services provided through legal subsidiary of Arta Finance, Inc:
Arta Finance Club LLC
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.
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. 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.
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.
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 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, and protection of such principal for certain types of structured products, 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.
The names of certain indices, such as NASDAQ, Russell, and Standard & Poor's (or S&P), are trademarks of their respective owners and are used here for informational purposes only. Their use does not imply any affiliation with or endorsement, sponsorship, or support of Arta or any of its products or services. These trademarks are the property of their respective owners, who are not associated with Arta.
All statements made via social media accounts sponsored or maintained by Arta Finance or certain Arta employees are not intended as investment, tax, insurance 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” 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.
The fee waiver may be applied to certain assets on the Arta platform to waive management fees charged by Arta on those assets for the life of the investment.
The value of the fee waiver varies depending on the type of asset and amount used. Arta determines which assets are eligible to be managed for free in its sole discretion.
The amount to be managed for free applies to the initial value of the investment only and does not apply to fees resulting from the appreciation of the investment. The fee waiver amount applied to an investment is removed from the remaining balance available to be managed for free, and it will not be refunded to the member if the assets decrease in value or the investment is terminated.
In certain instances, users may accept additional waiver amounts at any time, but each additional waiver amount will expire after 30 days from the date of acceptance if not applied to assets. The fee waiver is not transferable and cannot be removed from a specific investment once utilized.
Upon the closure of a member’s account or termination for any reason, the member’s remaining balance available to be managed for free will be forfeited.
Arta reserves the right to terminate, or update the terms of this program at any time with notice to you.
The Arta Lounge Coffee Program, hereafter referred to as the “program”, is only available for accredited investors.
Uploaded receipts should clearly show the following information in English and must be uploaded within 7 days of the payment date to be considered valid.
Merchant: the name of the cafe or restaurant where the coffee or tea was purchased
Payment date: the date and time that the purchase was made
Itemized description and amount: a separate line item for the coffee or tea purchased with its price and a description that clearly identifies the item as coffee or tea (e.g. iced white, cappuccino, matcha, hojicha)
Payment method: how the purchase was completed, whether via cash, card, or some other form of payment
If you haven’t opened an investment account yet, reimbursements will accrue until you do so. You must open an investment account within 30 days of a reimbursement approval, or you forfeit the reimbursement.
Only members who are invested in an Arta investment (public markets portfolios, private investments, or structured products) are eligible for this coffee program. New members have a 60-day grace period from the date of signup during which they can avail the program without investing.
Withdrawals out of your investment account related to this program may take up to 30 days to process after your withdrawal request is received.
The same individual can only avail this program once (i.e. cannot avail the program through multiple accounts). If an individual has multiple Arta accounts, only the earliest account may avail the coffee program.
Upon the closure of a member’s account or termination for any reason, the member’s remaining reimbursements will be forfeited.
Arta reserves the right to deny any reimbursements at any time at its sole discretion. Arta reserves the right to terminate, or update the terms of, the ‘Arta Lounge Coffee’ program at any time at its sole discretion.
This Marketing Consent ("Agreement") is entered into by and between Arta Finance, Inc. and its subsidiaries, affiliates, agents, representatives, and designees (collectively, "Arta") and you (“I” or “Me”).
1. Grant of Right. By clicking “Register”, agreeing to RSVP for events, or by attending an event, I hereby grant to Arta the irrevocable, non-exclusive, non-transferable, royalty-free, and perpetual right and license to use and display my photo, video, and/or likeness (collectively, "Photo") for marketing purposes, including promotion advertising, in any and all media channels and social platforms, whether now known or hereafter existing, without any compensation, payment, or other consideration of any kind, with no obligation for Arta to obtain my inspection or approval prior to the use of the Photo or my Likeness.
I agree that Arta may: (a) use, display, edit, alter, reproduce, create derivative works from, publish, or distribute the Photo for any lawful purpose at its sole discretion, (b) use my name, username, social media handle, and/or likeness as depicted in the Photo (collectively, "Likeness") in connection with Arta's use of the Photo.
2. Marketing Consent. In addition to granting rights to my Photo and Likeness, I agree to allow Arta to use my email address and other contact information provided by me to:
Contact me for the purposes of marketing and promoting products, services, offers, and events related to Arta.
Send me communications via email or other communication channels regarding new or existing products, services, or other promotional materials that may be of interest to me.
I understand that I may unsubscribe from receiving such marketing communications at any time by following the instructions included in the communication or contacting Arta directly.
3. Release and Indemnification. I hereby release, discharge, hold harmless, and indemnify Arta, its officers, directors, employees, agents, and representatives from any and all claims, demands, or causes of action arising from or relating to: (a) the use of the Photo, my Likeness, or my contact information as described in this Agreement, (b) any rights granted under this Agreement, ( c) any claims, demands, or causes of action which I, my heirs, representatives, executors, administrators, or any other persons acting on my behalf or on behalf of my estate may have by reason of this Agreement.
5. Governing Law and Jurisdiction. This Agreement shall be governed by, and construed in accordance with, the laws of Singapore, without giving effect to any conflict of law rules that would apply the laws of another jurisdiction. Any dispute relating to this Agreement shall be brought in the appropriate courts of Singapore, and I hereby irrevocably consent to the personal jurisdiction of said courts.
6. Limitation of Liability. In the event of a dispute relating to or arising from this Agreement, I agree that Arta shall not be liable to me for lost profits, punitive, special, indirect, incidental, or consequential damages of any kind. Arta's total liability to me shall not exceed the aggregate amount of SGD $10.00.
These Terms and Conditions (“Agreement”) govern the use of the Co-Axis philanthropic marketplace and services offered by Arta (“Arta” or "we"). By accessing or using the platform to give, invest, or engage with philanthropic opportunities listed on Co-Axis (“Marketplace”), You agree to be bound by the terms outlined herein.
Co-Axis, an initiative of Temasek Trust, is an online marketplace curated to spotlight philanthropic causes, impact solutions, and innovative projects, sourced by reputable partners such as DBS Foundation and UBS Optimus Foundation. Co-Axis showcases philanthropic opportunities but does not perform formal due diligence on the underlying causes or projects.
You are encouraged to review the relevant documentation provided by Co-Axis and its partners to assess the merits and risks associated with each opportunity. While Co-Axis screens donors and beneficiaries on the platform per its policies (refer to Co-Axis' Terms of Use), You are solely responsible for conducting their own due diligence before making any donation, investment, or contribution to a cause. You should be aware that such investment opportunities may not offer the same protections as traditional regulated financial products.
Arta acts solely as a facilitator by providing access to Co-Axis-curated philanthropic opportunities, enabling Arta Members to directly give, invest, or transfer funds to selected causes via the Arta platform.
You are solely responsible for conducting their own due diligence before committing to any philanthropic cause or investment. Members should review all available information provided by Co-Axis and its proposing partners to assess the suitability and risks associated with each opportunity.
Arta and Co-Axis make no guarantees regarding the financial return, impact, or success of any philanthropic donation or investment made via the Marketplace. All such contributions and investments are made at the Member's own risk.
By engaging with the Co-Axis platform, you accept the inherent risks of financial loss, and acknowledge that philanthropic contributions or investments may not meet their expected goals or deliver the anticipated social or financial outcomes. Members should treat these opportunities as high-risk ventures, not comparable to traditional, regulated investment products.
You acknowledge that their decisions to participate in Co-Axis opportunities are made independently, based on their own assessment of the information available, and without reliance on any representations made by Arta.
You may create an account within the Arta platform, transfer funds, and make investments in selected philanthropic opportunities curated through Co-Axis. Arta will facilitate these transactions, but will not assume any responsibility for the performance of the funds or investments once they are transferred to the selected causes.
You acknowledge and consent to the sharing of their personal data with Co-Axis and any relevant proposing partners, as necessary to facilitate engagement with philanthropic opportunities. This information may include transaction details, contact information, and other relevant data.
Any data shared with Co-Axis or proposing partners will be governed by the privacy policies of those third parties. Arta is not responsible for how Co-Axis or its partners handle or protect personal data, and you should review the applicable third-party privacy policies before engaging with the platform.
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