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Utoppia is not a bank. Utoppia Inc. is a technology services provider.

Certain services are offered through Synapse Financial Technologies, Inc. and its affiliates (collectively, “Synapse”). Synapse is not a bank and is not affiliated with Utoppia Inc. Brokerage accounts and cash management programs are provided through Synapse Brokerage LLC (“Synapse Brokerage”), an SEC-registered broker-dealer and member of FINRA and SIPC. Additional information about Synapse Brokerage can be found on FINRA’s BrokerCheck. See Synapse Terms of Service, Privacy Policy, and the applicable disclosures and agreements available in Synapse’s Disclosure Library for more information. The Partner Financial Institution(s) participating in a Synapse cash management program can be found in the List of Program Banks.

Account opening and other banking services provided by Utoppia are subject to applicable United States law and the Terms of Service. Utoppia may refuse to open or maintain accounts that violate applicable United States law and the Terms of Service. By creating an account using Utoppia’s mobile phone application, otherwise using Utoppia’s services or signing an electronic signature card, you agree to Utoppia’s Terms of Service, all applicable laws and regulations, and agree that you are responsible for compliance with any and all applicable local laws.

Utoppia is only an intermediary of TAPI (as such term is defined in the bill payment terms of services found at link) whereby TAPI offers the TAPI services (as such term is defined in the bill payment terms of services) and UTOPPIA integrates such TAPI services into the mobile app, as such, neither UTOPPIA or any of its affiliates are responsible or liable for (I) the accuracy of the information related to the TAPI services; (II) the functionality of the TAPI services; and/or (III) any delays or other acts under the control of TAPI as they relate to the TAPI services UTOPPIA'S liability for losses you or any third party may incurunder any circumstance, in connection with your account or the TAPI services is limited only to actual damages proved that are proximately caused by UTOPPIA'S gross negligence or willful misconduct. by using the mobile app in connection with the TAPI services, you also acknowledge and agree to be subject, in all respects, to any and all disclamers, limitations of liability and other terms and conditions set forth in the bill payments terms of service, UTOPPIA'S general Terms of Service (found at link), and UTOPPIA'S privacy Policy (found at link).Utoppia is not a bank. Utoppia Inc. is a technology services provider.Certain services are offered through Synapse Financial Technologies, Inc. and its affiliates (collectively, "Synapse"). Synapse is not a bank and is not affiliated with Utoppia Inc. Brokerage accounts and cash management programs are provided through Synapse Brokerage LLC ("Synapse Brokerage"), an SEC-registered broker-dealer and member of FINRA and SIPC. Additional information about Synapse Brokerage can be found on FINRA's BrokerCheck. See Synapse Terms of Service, Privacy Policy, and the applicable disclosures and agreements available in Synapse's Disclosure Library for more information. The Partner Financial Institution(s) participating in a Synapse cash management program can be found in the List of Program Banks List of Program Banks.

Utoppia is only an intermediary of Quiena Wealth Management Inc., a corporation organized under the laws of the State of Delaware ("Quiena"), whereby Quiena offers the Quiena Services (as such term is defined in Utoppia's Investment Account Terms of Services and Utoppia integrates such Quiena Services into the Mobile App. As such, neither Utoppia or any of its affiliates are responsible or liable for (I) the accuracy of the information related to the Quiena Services; (II) the functionality of the Quiena Services; and/or (III) any delays or other acts under the control of Quiena or DriveWealth (as such term is defined below) as they relate to the Quiena Services. Utoppia's liability for losses you or any third party may incur under any circumstance, in connection with your account or the Quiena Services is limited only to actual damages proved that are proximately caused by Utoppia's gross negligence or willful misconduct. By using the Mobile App in connection with the Quiena Services, you also acknowledge and agree to be subject, in all respects, to any and all disclaimers, limitations of liability and other terms and conditions set forth in the Investment Account Terms of Services, Utoppia's PLUS Terms of Service , Utoppia's General Terms of Service), and Utoppia's Privacy Policy.Utoppia is not a bank. Utoppia Inc. is a technology services provider.Certain services are offered through Quiena, which is duly licensed by the United States Securities and Exchange Commission as a Registered Investment Advisor. Quiena is not a bank and is not affiliated with Utoppia Inc. The Quiena Services whereby funds in your account at Utoppia may be, upon your instruction, be deposited into one or more interest-bearing deposit accounts held at one or more participating banks are provided through DriveWealth, LLC, a New Jersey limited liability company, registered with the United States Securities and Exchange Commission as a custodian of investment accounts and which has the registration number 8-69161 ("DriveWealth"). You may view DriveWealth's website which includes its Terms of Service and Quiena's Terms of Service.