Terms of Use

Welcome to Varni Labs, Inc.’s (“Zamp”) website and mobile application (which we refer to in these Terms of Service as the “Site,” which also refers to any content, functionality, and services offered on or through the website and/or mobile application). These Terms of Service (these “Terms”) are in place to govern your use of, and access to, the Site. The Site is owned and/or operated by Zamp who we refer to in these Terms, together with our affiliates, as “us,” “we,” “our,” and/or “Zamp.” When we refer to “you” and “your” in these Terms, we are referring to you as a visitor to and user of the Site. In addition to these Terms, your use of the Site is governed by all other policies posted on or made available through the Site (referred to collectively as our “Site Policies”), including our Privacy Policy, available here. All of the other Site Policies are incorporated by reference into these Terms.
1. Acceptance of Terms
YOU SHOULD CAREFULLY READ THESE TERMS. By visiting and/or applying for an account from the Site, you are agreeing to be bound by these Terms, which are a binding contract between you and us. If you do not wish to agree to abide by these Terms or any other Site Policy, you should not access or otherwise use the Site.
2. Electronic Communications
Zamp may be required to provide certain legal and regulatory disclosures, periodic statements and confirmations, notices, tax forms and other communications (collectively “Communications”) to you in written form. By agreeing to these Terms, you consent to Zamp delivering such Communications to you in electronic form, including e-mail. Consent for electronic delivery applies to every year the Communications are furnished. If you no longer have access to your account to receive the Communications in electronic format then you may request the Communication in written form. You agree that all terms and conditions, agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement such communications would satisfy if they were provided in writing. Zamp will use reasonable efforts to honor any request you may have to opt out from receiving certain e-mails. With respect to these Terms, you waive any rights to require an original (non-electronic) signature or delivery or retention of non-electronic records, to the extent such waiver is not prohibited under applicable law.
3. Registration
Basic access to Zamp’s site is publicly accessible. However, to use certain features of our site and platform, you must complete the registration process and then complete Zamp’s account opening procedures. First, you must register for an account by verifying your email address. Upon registering your account, a Zamp Account will be created for you to access your application and other resources. You agree that the registration and other information you provide to open an account is accurate, complete and current. You further agree to promptly update that information to keep it accurate, complete and current. YOU UNDERSTAND THAT A CHANGE IN YOUR STATE OF RESIDENCE MAY IMPACT YOUR ELIGIBILITY TO ACCESS AND USE THE ONLINE PLATFORM, AND HEREBY AGREE TO NOTIFY US IN ADVANCE OF ANY CHANGE IN YOUR STATE OF RESIDENCE. If you register on behalf of a business entity or other organization, you represent and warrant that you have the authority to provide the information required and to bind the organization to the Terms. You acknowledge and agree that Zamp, in its sole discretion, may suspend or discontinue your, and refuse any and all current and future, access to or use of your Zamp Account at any time without notice to you.
4. Identification, Account Opening, and Regulatory Compliance
Zamp is dedicated to prohibiting and actively preventing money laundering and any activity that facilitates money laundering or the funding of terrorist or criminal activities by observing regional requirements imposed on financial institutions. To that end, Zamp may collect certain information regarding its Clients and their operations pursuant to their internal procedures/policies/programs. Your access to and use of the Services is subject to compliance with Zamp’s compliance policies and programs We also may obtain personal information from third parties in order to verify your identity, or to prevent fraud. Personal information collected from any source may include, among other things, your name and address, Social Security or taxpayer identification number, and date of birth. You certify under penalty of perjury that the information provided is correct. You hereby authorize us, or a third-party service provider that we designate, to take any measures that we consider necessary to confirm the personal information you provide, verify and authenticate your personal information, and take any action we deem necessary based on the results. You acknowledge that this process may result in a delay in registering your Zamp account, and that you may not be authorized to access or use your Zamp account until your registration has been successfully completed. As part of our legal compliance program, moreover, we will monitor your Zamp Account and your use of the Site, and review your personal information on an ongoing basis, as may be required by law or pursuant to our internal policies and procedures. At any time, we may require you to provide us with additional personal information as a condition to your continued access to and use of your Zamp Account. During such time, your access to and use of your Zamp Account may be temporarily restricted.
5. Accuracy of Customer Submitted Information
You agree that any information that you provide (about your identity, finances, and relationships) is accurate, correct, and up to date. You agree that you are 18 years of age or older; able to form a binding contract with us; and are acting on your own behalf (and have not been banned, terminated, or otherwise denied access to the Site by Zamp or by law). If you are a United States person, then as a condition of using Zamp’s Site and services, you certify under penalties of perjury that:

The Social Security number or Employer Identification Number you provide is correct; and

You are not subject to backup withholding due to the failure to report interest and dividend income.

By submitting information, feedback or other material to Zamp, including on or through the Site or your Zamp Account, you: (i) acknowledge that such information is non-confidential, except for any personal and financial information; (ii) grant Zamp a perpetual, worldwide, royalty-free, irrevocable, transferable, sublicenseable, fully paid-up right to copy, use, reproduce, modify, adapt, publish, create derivative works from, translate, transmit, display, distribute, market, promote, sell or offer for sale, rent or lease such information or materials in any form or medium known or later developed; and (iii) agree that you will have no claim against for any actual or alleged infringement of any proprietary rights, rights of privacy or publicity, moral rights or rights of attribution in connection with our use of any content you provide.
6. Social Media Accounts and Third-Party Sites
In addition to our Site, we also like to interact with you on third party sites where we post content or invite your feedback, such as through our accounts on Facebook, Twitter, Instagram, and LinkedIn (“social media sites”). In addition, we and others may provide links from our Site to web pages, websites, and other resources or locations on the web (including the social media sites, “third party sites”). Please note that we do not control any third-party sites. The links to third party sites that we make available are for the convenience of our users and customers. These Terms and our other Site Policies do not apply to any third-party sites. It is your responsibility to review the terms of use and other policies, including privacy policies, posted on the social media sites and other third-party sites.
7. Intellectual Property Ownership Notice
This Site and all content contained on this Website, including all brand names, product names, logos, graphics, photographs, text, copyrights, service marks, and trademarks are the exclusive property of Zamp. You may not copy, reproduce, republish, post, distribute, transmit, or modify or otherwise use in any way any part of the Site or any content contained on the Site without the express prior written consent of Zamp. Except as explicitly permitted by the Terms, you may not, and you may not allow others to, sell, copy, modify, correct, enhance, create derivative works from, publish, store or in any way distribute or otherwise exploit, including for any purpose competitive to Zamp, any Content. You may not, and you may not allow others to: (i) decompile, reverse engineer, convert or otherwise extract or disclose the underlying script, code (whether binary, assembly, source, object, HTML or otherwise) or structure of any Content, or (ii) remove or alter authorship attribution or copyright notices or similar information on the Site or any products or materials embodying or containing any Content. You further agree not to reverse engineer, hack, spam, block, disrupt, or otherwise in any way attempt to change or alter the Site. Violating these Terms may subject you to legal liability. Our trademarks and logos, including the name “Zamp” and all related names, logos, products names, designs, and slogans used and displayed on the Site are our (or our licensors’) trademarks. You may not use any of these trademarks without our prior written permission. In addition, you may not use any metatags, meta elements, “hidden text,” or other equivalents using our names without our prior written permission.
8. Indemnification
You agree to defend, indemnify, and hold completely harmless Zamp and our officers, directors, shareholders, agents, and employees from and against any and all claims, damages, costs, and expenses (including attorneys’ fees), including claims based upon the negligence of Zamp, arising from or related to your use of the Site and any sites linked to the Site, your negligence, your breach of these Terms or any other Site Policies, and/or your violation of any law or the rights of a third party.
9. Disclaimer of Warranties and Limitation of Liability
The Site is made available to users “AS IS” without any warranty of any kind. Zamp makes no representations, guarantees, or warranties regarding the accuracy, reliability, confidentiality, or completeness of the Site. Zamp, TO THE GREATEST EXTENT PERMISSIBLE BY LAW, DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED. FURTHER, Zamp DOES NOT WARRANT OR REPRESENT THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE IS ERROR-FREE OR THAT THE SITE WILL BE UNINTERRUPTED OR FREE OF DEFECTS, INCLUDING COMPUTER VIRUSES, WORMS, BUGS, TIME BOMBS, OR ANY OTHER SIMILAR PROBLEMS AND/OR DEFECTS.Zamp WILL NOT BE LIABLE FOR DAMAGES OF ANY KIND INCLUDING COMPENSATORY, SPECIAL, INCIDENTAL, EXEMPLARY, LOST PROFITS, LOSS OF REVENUE, AND/OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR ACCESS TO OR INABILITY TO ACCESS THIS SITE, OR YOUR USE OF OR RELIANCE UPON THIS SITE OR ANY OF ITS CONTENT. IN ADDITION, Zamp HAS NO DUTY TO UPDATE THIS SITE OR ANY OF ITS CONTENT, AND Zamp WILL NOT BE LIABLE FOR ANY FAILURE TO UPDATE SUCH INFORMATION. FURTHER, Zamp IS NEITHER RESPONSIBLE NOR LIABLE FOR YOUR USE OF OTHER WEB SITES THAT YOU MAY ACCESS VIA LINKS WITHIN THIS SITE. THOSE LINKS AND OTHER RESOURCES REFERENCED ON THIS SITE ARE PROVIDED MERELY AS A SERVICE TO USERS, AND INCLUSION ON THE SITE DOES NOT CONSTITUTE AN ENDORSEMENT BY NOR AFFILIATION WITH Zamp.
10. Modifications to these Terms
Zamp reserves the right to update, revise, supplement, modify or amend these Terms at any time. Any update, revision, supplementation, modification or amendment will be effective immediately upon its posting on the Site. You can review the most current version of these Terms at any time by accessing the section of the site labeled “Terms of Use,” and you are expected to check this page from time to time to take notice of any changes that we made to the Site or these Terms. You understand and agree that your continued access to or use of the Site or your continued operation of your account after any posted update to these Terms indicates your acceptance of these Terms as updated, even if you did not take the time to read them.
11. We do not provide legal, investment, or other advice.
Zamp is not a lawyer, a law firm, an investment manager, an accountant, or an investment advisor. Nothing on this site is intended to constitute legal, tax or investment advice. The past performance of any product, investment, loan, security, partnership interest, commodity or financial instrument is not a guide to future performance. WITHOUT LIMITING ANYTHING IN THE TERMS, Zamp MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO ANY OF ITS PRODUCTS OR THE PERFORMANCE THEREOF.
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© 2023 VARNI LABS (ZAMP FINANCE)
*Interest rates are subject to market conditions and returns may vary based on these interest rates. Returns of up to 5.48% as of July 14th, 2023. More information can be found at the Treasury Department's website. The material presented is for informational purposes only and should not be construed as investment advice. It is not a recommendation of, or an offer to sell or solicitation of an offer to buy, any particular security, strategy or investment product. Investing in securities involves risks, including the potential loss of money, and past performance does not guarantee future results. Historical returns, expected returns, and probability projections are provided for informational and illustrative purposes, and may not reflect actual future performance. Product images shown are for informational and illustrative purposes only, and may not reflect how they will actually appear within the product. Nothing on this document should be construed as personalized investment advice, which can only be provided in one-on-one communications. The materials and services presented in this document are directed to Customers and Potential Customers who are business entities in the United States of America. Zamp Finance does not solicit retail or foreign investors.
Advisory services offered through Varni Labs Inc. ("Zamp Finance"), an SEC-registered investment advisor. Subadvisory services are offered through Atomic Invest LLC ("Atomic Invest"), an SEC-registered investment advisor, member SIPC. Atomic Invest was formerly known as Helium Advisors LLC. Brokerage services provided by BNY Mellon Pershing, member SIPC, through a clearing and custody relationship with Atomic Invest. Varni Labs Inc. ("Zamp Finance") has a subadvisory relationship with Atomic Invest to manage and execute investments on behalf of its customers. Technology services may be provided by Atomicvest. Pershing LLC and Varni Labs Inc are separate, unaffiliated companies, each responsible for their own policies and procedures. Trademarks belong to their respective owners. For further information about Zamp, you can view us on the SEC website. Brokerage custody is provided by Pershing LLC, member FINRA, NYSE, SIPC, a BNY Mellon company. Sources: FINRA, SIPC, BNY Mellon Pershing, TreasuryDirect and others.