USER AGREEMENT

Effective Date: March 3, 2026 — Version 1.0

This User Agreement and Terms of Use ("Agreement") is a legally binding contract between you ("User," "you," or "your") and CW Frontier Innovations LLC, a Tennessee limited liability company ("Company," "we," "us," or "our"). By clicking "I Agree," creating an account, or accessing the Rite HQ software platform (the "Software"), you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement.

If you are accepting this Agreement on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity to this Agreement. If you do not have such authority, or if you do not agree to these terms, you may not access or use the Software.

1. DEFINITIONS

  • "Authorized Users" means employees of the subscribing organization who have been granted access credentials to the Software by an authorized account administrator.
  • "Client Deliverables" means reports, plans, analyses, documents, and other outputs generated through the Software using the RITE Retirement® methodology, intended for distribution to the subscribing organization's end clients.
  • "Internal Business Purposes" means use of the Software and Client Deliverables solely within the subscribing organization's normal course of business to serve its existing clients, and expressly excludes any External Use (as defined below).
  • "RITE Retirement®" means the trademarked retirement planning process, methodology, system, and all associated intellectual property owned by the Trademark Owner (as defined below), including but not limited to the name, logo, trade dress, and any derivative marks.
  • "Trademark Owner" means the individual owner of the RITE Retirement® registered trademark, who has authorized the Company to sublicense limited usage rights to Users through the Software.
  • "External Use" means any use of the RITE Retirement® mark, name, likeness, branding, methodology descriptions, or Client Deliverables outside the scope of Internal Business Purposes, including but not limited to marketing, advertising, prospecting, lead generation, social media promotion, public presentations, press releases, or any other public-facing communication.
  • "Permitted Referral" means a direct, personal recommendation of the Software by a current User to another professional office or advisory firm, made in good faith and without the use of RITE Retirement® branding, marketing materials, or public-facing communications.

2. LICENSE GRANT

Subject to the terms and conditions of this Agreement and payment of all applicable fees, the Company — acting under authority granted by the Trademark Owner — grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to:

  • Access and use the Software for Internal Business Purposes only;
  • Generate Client Deliverables using the Software and distribute those Client Deliverables directly to your organization's existing clients as part of your professional service relationship with those clients;
  • Reference the RITE Retirement® name solely within the Software interface and on Client Deliverables generated by the Software, as those deliverables are formatted and branded by the Software itself.

This license is derived from a trademark license granted to the Company by the Trademark Owner. It does not convey any ownership interest in the Software, the RITE Retirement® trademark, or any associated intellectual property. All rights not expressly granted herein are reserved by the Company and the Trademark Owner, respectively.

3. PERMITTED USES

You MAY:

  • Use the Software to create Client Deliverables for your organization's existing clients
  • Distribute Software-generated Client Deliverables to clients in the ordinary course of your professional advisory relationship
  • Reference that your organization uses the RITE Retirement® process when speaking directly with existing clients in a one-to-one advisory capacity
  • Use the Software as an internal company tool to support your organization's service offerings to existing clients
  • Make a Permitted Referral — that is, personally recommend the Software (Rite HQ) to another professional office or advisory firm through direct, private communication (e.g., a personal conversation, phone call, or private message), provided that such referral does not involve the use of RITE Retirement® branding in any marketing materials, social media, public posts, or mass communications

4. PROHIBITED USES

You expressly agree that you shall NOT:

4.1 MARKETING AND ADVERTISING RESTRICTIONS

  • Use the RITE Retirement® name, mark, logo, likeness, or any derivative thereof in any marketing materials, including but not limited to brochures, flyers, print advertisements, digital advertisements, email campaigns, newsletters, or direct mail
  • Reference RITE Retirement® on your organization's website, landing pages, blog posts, or any other web properties
  • Use RITE Retirement® in any social media posts, profiles, bios, or content on any platform (including but not limited to LinkedIn, Facebook, X/Twitter, Instagram, YouTube, or TikTok)
  • Create, publish, or distribute any press releases, articles, or media content that reference RITE Retirement®

4.2 PROSPECTING AND LEAD GENERATION RESTRICTIONS

  • Use the RITE Retirement® name, brand, methodology, or Client Deliverables as a prospecting tool to attract or solicit new clients
  • Display, share, or distribute sample Client Deliverables to prospects or potential clients
  • Reference RITE Retirement® in sales presentations, pitch decks, proposals, or RFP responses directed at prospective clients
  • Use RITE Retirement® at trade shows, conferences, seminars, webinars, or any public-facing events for the purpose of business development

4.3 GENERAL INTELLECTUAL PROPERTY RESTRICTIONS

  • Modify, adapt, translate, reverse engineer, decompile, or disassemble any portion of the Software
  • Remove, alter, or obscure any trademark, copyright, or other proprietary notices from the Software or Client Deliverables
  • Create derivative works based on the RITE Retirement® methodology, process, or branding
  • Sublicense, lease, sell, resell, or otherwise transfer the Software or your rights under this Agreement to any third party
  • Use the Software to develop a competing product or service
  • Represent or imply that you own, created, or independently developed the RITE Retirement® process or methodology
  • Use the RITE Retirement® mark in any manner that could cause confusion, dilute the mark, or damage the Company's reputation or goodwill

5. TRADEMARK ACKNOWLEDGMENT AND THIRD-PARTY OWNERSHIP

You acknowledge and agree that:

  • RITE Retirement® is a registered trademark owned by the Trademark Owner (an individual, not CW Frontier Innovations LLC) and is protected under applicable federal and state trademark laws;
  • CW Frontier Innovations LLC operates the Software under a license from the Trademark Owner and has been authorized to extend limited usage rights to Users solely through the Software as described in this Agreement;
  • This Agreement does not grant you any ownership rights in the RITE Retirement® trademark, and all goodwill arising from your use of the mark inures solely to the benefit of the Trademark Owner;
  • You shall not register, apply to register, or claim any right, title, or interest in the RITE Retirement® mark or any confusingly similar mark in any jurisdiction;
  • You shall not represent, imply, or suggest that you, your firm, or your organization owns, created, or independently developed the RITE Retirement® process, methodology, or brand;
  • You shall promptly notify the Company of any unauthorized use, infringement, or misappropriation of the RITE Retirement® mark that comes to your attention;
  • Both the Company and the Trademark Owner reserve the right to review and approve or disapprove any use of the RITE Retirement® mark, and you shall comply with any brand usage guidelines issued from time to time.

6. SUBSCRIPTION AND PAYMENT

Access to the Software requires an active paid subscription. Subscription plans, pricing, and billing cycles are as described on the Company's website or in a separate order form executed between the parties.

Failure to pay applicable fees may result in suspension or termination of your access to the Software.

Payment of subscription fees entitles you to use the Software solely in accordance with the Permitted Uses described in Section 3. Payment does not expand or alter the restrictions set forth in Section 4. For the avoidance of doubt, paying for a subscription does not grant you any trademark rights, co-branding rights, or the right to use RITE Retirement® outside the Software.

7. MONITORING AND ENFORCEMENT

The Company and/or the Trademark Owner reserve the right to monitor your use of the Software and the RITE Retirement® mark to ensure compliance with this Agreement.

If the Company determines, in its sole discretion, that you have violated any term of this Agreement, the Company may:

  • Issue a written notice requiring you to cure the violation within a specified time period
  • Immediately suspend your access to the Software
  • Immediately terminate this Agreement and your license
  • Pursue any and all legal remedies available, including injunctive relief and damages

You agree that any unauthorized use of the RITE Retirement® mark outside the scope of this Agreement may cause irreparable harm to both the Company and the Trademark Owner for which monetary damages would be inadequate, and that the Company and/or the Trademark Owner shall be entitled to seek injunctive relief without the necessity of posting a bond.

The Trademark Owner is an intended third-party beneficiary of this Agreement with respect to all provisions relating to the RITE Retirement® trademark and shall have the independent right to enforce such provisions.

8. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SOFTWARE OR THIS AGREEMENT. THE COMPANY'S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE AMOUNT OF FEES PAID BY YOU IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

9. DISCLAIMER OF WARRANTIES

THE SOFTWARE AND ALL ASSOCIATED SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10. TERM AND TERMINATION

This Agreement is effective upon your acceptance and continues for the duration of your active subscription, unless earlier terminated.

You may terminate this Agreement at any time by canceling your subscription and ceasing all use of the Software.

The Company may terminate this Agreement immediately upon written notice if you breach any provision of this Agreement, including any Prohibited Use described in Section 4.

The Trademark Owner may direct the Company to suspend or terminate your access if the Trademark Owner determines, in its sole discretion, that your use of the RITE Retirement® mark violates or threatens to violate the Trademark Owner's rights.

Upon termination, all rights granted to you under this Agreement shall immediately cease. You must immediately discontinue all use of the Software and the RITE Retirement® mark, and destroy or return any Client Deliverables or materials in your possession that bear the RITE Retirement® branding.

Sections 4, 5, 7, 8, 9, and 11 shall survive termination of this Agreement.

11. GENERAL PROVISIONS

  • Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of laws principles.
  • Dispute Resolution. Any disputes arising out of or relating to this Agreement shall be resolved through binding arbitration in Nashville, Tennessee, in accordance with the rules of the American Arbitration Association, except that the Company and/or the Trademark Owner may seek injunctive relief in any court of competent jurisdiction.
  • Entire Agreement. This Agreement constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior or contemporaneous agreements, understandings, or communications.
  • Severability. If any provision of this Agreement is found to be unenforceable, the remaining provisions shall continue in full force and effect.
  • Amendments. The Company may update this Agreement from time to time. Continued use of the Software after any such update constitutes acceptance of the revised terms. Material changes will be communicated via email or in-app notification.
  • Assignment. You may not assign or transfer this Agreement or any rights hereunder without the Company's prior written consent. The Company may assign this Agreement freely.
  • Third-Party Beneficiary. The Trademark Owner is an intended third-party beneficiary of this Agreement with respect to all trademark-related provisions and shall have the right to enforce such provisions directly.

ACCEPTANCE

By clicking "I Agree" below, you confirm that:

  1. You have read this Agreement in its entirety
  2. You understand and agree to be bound by all terms and conditions herein
  3. You are authorized to accept this Agreement on behalf of your organization
  4. You understand that the RITE Retirement® trademark is owned by a third party (the Trademark Owner), not by your organization, and may only be used as permitted in this Agreement
  5. You understand that any External Use of the RITE Retirement® name, brand, or likeness — including but not limited to marketing, prospecting, advertising, or claiming ownership of the RITE Retirement® process — is strictly prohibited

© 2026 CW Frontier Innovations LLC. All rights reserved. RITE Retirement® is a registered trademark of its owner and is used under license.