Terms Of Use


Effective Date: February 6, 2026


These Terms of Use (“Terms”) govern your access to and use of graintree.com (together with its subdomains and integrated applications, “Site”) provided by Graintree, LLC (together with its affiliates, successors and assigns, “we,” “us,” or “our”). By accessing or using the Site, you accept and agree to be bound by these Terms.  If you do not agree, you must not use the Site. 

  1. Eligibility; Audience.

The Site is intended for use by individuals who are at least 18 years of age and reside in the United States.  By using the Site, you represent and warrant that you meet these eligibility requirements.  

  1. Changes to these Terms. 

We may revise and update these Terms from time to time in our sole discretion.  Any updates to these Terms are effective immediately upon posting.  You are responsible for being familiar with the version of these Terms posted on the Site every time you access the Site and by accessing the Site you agree to be bound by the then-current Terms.

  1. Limited License; Permitted Uses.

Subject to your continued compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable license to access and use the Site and its content, features, and functionality (collectively, the “Features”) solely for your personal, non-commercial use for browsing, researching and interacting with features intentionally made available to you on or through the Site.  You represent and warrant to us that you will not use (or encourage or assist others to use) the Site or the Features for any purpose or in any manner that is prohibited by these Terms or by applicable law.

  1. Suspension or Withdrawal of the Site.

We do not guarantee that the Site or the Features will always be uninterrupted or available.  We may, in our sole discretion and without notice, suspend or restrict your access to the Site or Features, in whole or in part, at any time and bear no liability for doing so.

  1. Intellectual Property and Proprietary Rights. 

The Site and all Features made available on or through the Site, including but not limited to software, code, text, graphics, images, audio and video, user interfaces, design, trademarks, logos, layout, and look and feel (collectively, “Services”), are owned by or licensed to us and are protected by United States and international intellectual property laws, including copyright, trademark, trade secret, and patent laws.

Except as expressly provided in these Terms, no rights, title, or interest in or to the Services are transferred to you, and all rights not expressly granted are reserved by us and our licensors.

Nothing in these Terms grants you any license or right to use any trademark, logo, or branding of ours, whether by implication, estoppel, or otherwise.

The license granted to you hereunder does not permit reproduction, distribution, public display, or public performance of the Services; modification or creation of derivative works; reverse engineering or attempting to discover source code except as permitted by law; or use of the Services for any commercial purpose not expressly authorized by us.

  1. Prohibited Uses.

You may not do any of the following in connection with your use of the Site, Features or Services:

  1. Utilize the Site, Features or Services in any way not explicitly permitted by the Terms.
  2. Implement a link to the Site that may imply or lead others to believe there is any relationship with or endorsement by us that does not exist.
  3. Modify, conceal or delete any copyright or other notice, even if we permit you to download, display, print or share with others any part of the Services.
  4. Copy or incorporate any part of the Site, Features or Services into any materials that are not originated or approved by us.
  5. Interfere or attempt to interfere, intentionally or unintentionally, with the proper functioning of the Site or the Features, which includes without limitation, any attempt to, directly or indirectly:
    1. introduce, transmit, upload, or otherwise make available through the Site or the Features any virus, worm, Trojan horse, logic bomb, spyware, malware, ransomware, or other harmful or malicious code, script, file, or program;
    2. engage in any activity that interferes with, disrupts, damages, or degrades the security, integrity, availability, or proper functioning of the Site, its servers, networks, or systems;
    3. attempt to gain unauthorized access to the Site, any user accounts, computer systems, or networks connected to the Site or the Features, including through hacking, password mining, or any other means; 
    4. test, scan or probe that may test for vulnerability of the Site, system or network infrastructure or to breach the Site’s security or authentication measures unless authorized by us to do so; or
    5. use the Site or Features in a manner that could reasonably be expected to harm, disable, overburden, or impair the Site or any other party’s use of the Site.
  6. Except as expressly authorized in writing by us, you may not, and may not permit any third party to:
    1. use, access, scrape, crawl, download, copy, reproduce, aggregate, or otherwise process the Site or the Features (including text, images, audio, video, metadata, or other materials) for the purpose of developing, training, fine-tuning, testing, benchmarking, validating, or operating any artificial intelligence, machine learning, deep learning, neural network, or similar algorithmic, statistical, or automated system;
    2. incorporate the Site or any of the Features into any dataset, corpus, or collection used for artificial intelligence or machine learning purposes; or
    3. use the Site or any of the Features as input for automated systems intended to generate, improve, or validate models, outputs, or decision-making processes.

For avoidance of doubt, the prohibitions herein apply regardless of whether the use is commercial or non-commercial, direct or indirect, and regardless of whether the Site or Features are accessed manually, via automated means, or through an intermediary service.

You agree to indemnify and us hold harmless from any claims, damages, losses, or expenses arising from a violation of this section.

  1. No Offer; No Advice.

The Site is for informational purposes only and does not constitute financial or investment advice or any advice of any kind, nor is does it constitute an offer to sell or a solicitation of an offer to buy or participate in any investment.  

  1. Third-Party Materials.

The Features may include content, software, or other materials owned or licensed by third parties (“Third-Party Materials”). All Third-Party Materials are the property of their respective owners and may be subject to additional terms.

We are not responsible for third-party websites linked from the Site.

  1. Indemnification.

You agree to indemnify, defend, and hold us, our affiliates, licensors, service providers, and its and their respective officers, directors, employees, contractors, agents, and representatives (collectively, the “Indemnified Parties”) harmless from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your access to or use of the Site or the Features, your violation of these Terms or any applicable law or regulation, and your negligence, misconduct, or other improper acts or omissions in connection with the Site or the Features.

We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify the Indemnified Parties, and you agree to cooperate with the defense of such claims. You may not settle any claim without our prior written consent, and we may settle any claim on terms it deems appropriate, subject to your continuing indemnification obligations under these Terms.

  1. Entire Agreement.

The Terms constitute the entire agreement between the parties with respect to the subject matter hereof and supersede all prior or contemporaneous understandings. 

  1. Severability.

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. Any such invalid, illegal, or unenforceable provision shall be deemed modified to the minimum extent necessary to render it valid, legal, and enforceable, or, if modification is not possible, severed from these Terms, without affecting the validity and enforceability of the remaining provisions.

  1. DISCLAIMER OF WARRANTIES.

THE SITE, INCLUDING ALL FEATURES, CONTENT, MATERIALS, AND INFORMATION MADE AVAILABLE THROUGH THE FEATURES, ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON‑INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SITE OR THE FEATURES WILL BE UNINTERRUPTED, ERROR‑FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; THAT DEFECTS WILL BE CORRECTED; OR THAT ANY CONTENT OR INFORMATION PROVIDED THROUGH THE SITE OR THE FEATURES IS ACCURATE, COMPLETE, RELIABLE, OR CURRENT. YOUR USE OF THE SITE AND THE FEATURES IS AT YOUR SOLE RISK.

  1. LIMITATION OF LIABILITY.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE, OUR AFFILIATES, LICENSORS, SERVICE PROVIDERS, OR ITS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR ANY DAMAGES, WHETHER INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DATA, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF (OR INABILITY TO USE) THE SITE OR THE FEATURES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  THE LIMITATIONS IN THIS SECTION APPLY WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS.

  1. Arbitration; Governing Law; Venue.

Except as expressly provided below and to the fullest extent permitted by applicable law, any dispute, claim, or controversy arising out of or relating to these Terms, the Site, Features or Services (collectively, “Disputes”) shall be resolved exclusively through final and binding arbitration, rather than in court, except that we may seek injunctive or equitable relief in a court of competent jurisdiction to protect our intellectual property or confidential information.

The arbitration shall be administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules then in effect, except as modified by this Section. The arbitration shall be conducted by a single arbitrator, and the arbitrator’s award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. The Federal Arbitration Act (9 U.S.C. §§ 1–16) shall govern the interpretation and enforcement of this arbitration agreement.

If, for any reason, a Dispute is found not to be subject to arbitration, or if this arbitration provision is held to be invalid, unenforceable, or unavailable with respect to a particular Dispute, then such Dispute shall be resolved exclusively in the state or federal courts located within the State of New York, and you irrevocably consent to the exclusive jurisdiction and venue of such courts and waive any objection based on inconvenient forum

These Terms, and any Dispute not subject to arbitration, shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict-of-laws principles.