These Terms & Conditions are subject to without notice. amana reserves the right to modify and cancel the program at any time. amana’s Brokerage Agreements incorporated herein by reference and constitutes a part of these Terms and Conditions. In the event of any conflict between these Terms and Conditions and the terms of the Brokerage Agreement, the terms of the Brokerage Agreement shall prevail.

Investment Plans (“Plans”) are self-directed purchases of individually-selected assets, which may include stocks, exchange-traded funds (“ETFs”), and cryptocurrencies. The individual using the services, hereafter referred to as "The Customer," reserves the ability to pause or end their Plans at any time and for any reason. Plans are available on amana’s website and mobile app.

Eligibility Requirements

To create a Plan with stocks and ETFs, the Customer must have an approved brokerage account with amana.

Purchasing a Plan

The Customer can create an Investment Plan by creating their own custom mix of assets or by choosing a Plan from our marketplace and editing it to meet their needs. Investment Plans use fractional shares, which allow the Customer to set an overall dollar amount for their Plan and allocate a percentage of that amount to each individual holding. After finalizing their assets and allocations, the Customer selects the amount and frequency they would like to invest.

On the day the Customer’s Plan is scheduled to execute, they will receive one confirmation email for the entire Plan. Once the Plan executes, they will see each individual trade within under “Activity” in the amana app.

There is a possibility that orders for individual assets within the Plan may not be executed, for example, if trading has been halted for a particular asset. In such a situation, the allocations of the remaining assets will not adjust to account for the unexecuted order.

Plans may be subject to minimum amount requirements. amana reserves the right to change the minimum amount at any time without notice. If the Customer chooses to create a Plan, they must maintain sufficient funds in their bank account to execute the recurring investment. If their ACH payment fails, any scheduled orders in their Plan will be skipped until they have a successful ACH payment. After three failed or skipped occurrences, amana will automatically pause the Plan.

Allocation

Plans allow the Customer to customize their self-directed asset selection in increments of 1%, with a minimum of 1% of the total Plan for any given symbol. Allocations will be applied proportionally to the total funding amount, inclusive of any transaction fees.

Once a Plan is created, the Customer is solely responsible for establishing and maintaining the allocations within their Plan. amana will not rebalance their Plan or update the Customer’s allocations in any way, except in instances of Corporate Actions, where the Customer will be notified.

Diversification and asset allocation do not guarantee future returns or eliminate the risk of loss. Investment Plans are not intended to ensure adequate diversification, and the Customer should conduct their own research and make their own determinations as to whether a particular investment aligns with their investment objectives, risk tolerance, and financial situation.

Not an Investment Recommendation or Solicitation and Other Disclosures

Investment Plans shown in the catalog are for informational purposes only. Investment Plans are meant to provide a helpful starting point as the Customer discovers, researches, and creates an Investment Plan that meets their specific investing needs. Investment Plans presented in the catalog are created using defined, objective criteria, based on generally accepted investment theory. They are made up of stocks and ETFs only. The Customer should edit any Investment Plan to suit their unique investment needs by removing symbols and adjusting allocations.

An Investment Plan, and any additional information provided about it, is not a recommendation of a Plan overall, or a recommendation of its individual holdings or default allocations. By building a Plan, the Customer acknowledges that neither amana nor any other unaffiliated third parties are advising the Customer as to their investments. Any criteria for their initial and ongoing investments should not be considered investment advice, an offer to buy or sell, or a recommendation for any asset or group of assets. The Customer can edit all Plans as they see fit. Plans will not be rebalanced, and allocations will not be updated in any way, except for Corporate Actions. The Customer is solely responsible for establishing and maintaining allocations among assets within their Plan. Plans involve continuous investments, regardless of market conditions.

If the Customer chooses to select a Plan from our marketplace, they should keep in mind that specific industry and thematic Plans are narrower in focus and may be more volatile than investments that diversify holdings across multiple industries and themes.

When the Customer purchases an Investment Plan for their personal non-business purposes, they accept all responsibility for its use and implementation, and for appropriate ongoing follow-up to ensure that they are meeting their individualized interests and goals. As with other investments through amana, the Customer must decide for themselves if an investment in an asset is consistent with their evaluation of the assets, their investment objectives, their risk tolerance, their investment time frame, and their broader financial situation. By making Investment Plans available to its clients, amana is not recommending or endorsing it. Further, amana assumes no responsibility for the accuracy, completeness or timeliness of any point-in-time Investment Plan allocation or for updating such allocation, which is subject to change without notice at any time. amana does not provide investment, tax or legal advice.

The Customer’s Plan may include ETFs. Before investing in an ETF, the Customer should read the prospectus, which provides detailed information on the ETF’s investment objective, principal investment strategies, risks, costs, and historical performance (if any), among other things. Prospectuses can be found on the ETF issuer’s website. ETFs are bought and sold at market price, which can vary from the Net Asset Value of the fund. Rebalancing and other fund activities may result in tax consequences.Any graphics shown on the amana applications in connection with Investment Plans are for illustrative purposes only.

Limitation of Liability

All access to and use of the amana applications, as well as the Customer’s use of the Plans and related services is at their own risk. In no event shall amana and any of their respective officers, directors, employees and agents be liable for any damages, including, without limitation, direct or indirect, special, incidental, or consequential damages, or losses or expenses arising or in connection with use of the Plans. These parties shall not be responsible if the Customer is unable to use the amana applications or any linked site, or in the event of any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus online or system failure, even if these parties are advised of the possibility of such damages, losses or expenses. Additionally, these parties shall have no liability to the Customer for any losses, financial or otherwise, suffered by the Customer, arising out of or resulting from compatibility or inoperability problems of the amana applications, the Customer’s computer or other device, or the Customer’s failure to confirm any attempted transaction.

Plan Duration and Termination

Plans remain in effect until the Customer ends their Plan, or amana otherwise terminates the Customer’s Plan. amana reserves the right to suspend or terminate the Customer’s Plan at any time, for any reason, without notice to the Customer. Any services associated with the Plans may also be terminated by us at any time. If the Customer breaches any of these Terms and Conditions, the rights granted herein shall automatically terminate.

Changes to Terms and Conditions

amana may change the Terms and Conditions by posting an updated version of the Terms and Conditions on the amana applications without notice to the Customer. The Customer should review the current version of the Terms and Conditions from time to time. The Customer’s continued use of the Plans feature shall be deemed the Customer’s acceptance of the Terms and Conditions in place at that time.

Miscellaneous

• Waiver: If amana does not enforce a particular provision of the Terms and Conditions, such conduct will not prevent us from enforcing the same or any other provision of the Terms and Conditions in the future.
• Severability: If any provision of these Terms and Conditions is or becomes illegal, invalid or unenforceable, it shall be considered separate and severable from these Terms and Conditions, and the remaining provisions shall remain in effect.
• Intellectual Property: This site, and all text, graphics, trademarks, logos, photographs, artwork, interfaces and computer codes (collectively “Protected Content”), including, but not limited to, the structure, design, physical appearance, configurations and arrangement of the Protected Content, contained on this Site is owned, controlled or licensed to amana or its affiliates, and is protected by trademark, copyright, trade dress or other intellectual property laws.