Last Updated: January 1, 2026 | Effective Date: January 1, 2026
1. Acceptance of Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you and KOMMNZ Securities, Inc. ("KOMMNZ," "we," "our," or "us") governing your access to and use of our websites, mobile applications, and financial services (collectively, the "Services").
By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Services.
2. Eligibility
To use our Services, you must:
- Be at least 18 years of age
- Be a resident of a jurisdiction where our Services are available
- Have the legal capacity to enter into binding contracts
- Not be prohibited from using our Services under applicable law
- Provide accurate and complete information during registration
3. Account Registration and Security
3.1 Account Creation
To access certain features of our Services, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate and current.
3.2 Account Security
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:
- Create a strong, unique password
- Not share your login credentials with others
- Notify us immediately of any unauthorized access
- Log out of your account after each session
4. Services Description
KOMMNZ Securities provides securities brokerage services, investment advisory services, wealth management, and related financial services. Our Services may include:
- Securities trading (stocks, bonds, ETFs, options, mutual funds)
- Investment research and market analysis
- Portfolio management and advisory services
- Retirement planning services
- Educational resources and tools
5. Fees and Charges
You agree to pay all applicable fees and charges associated with your use of our Services, as disclosed in our fee schedule. We may modify our fees upon reasonable notice. Trading in securities involves transaction costs and other fees which may affect your returns.
6. Investment Risks
Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. You acknowledge that:
- All investments carry risk of loss
- Investment values may fluctuate
- You are solely responsible for your investment decisions
- You should not invest money you cannot afford to lose
7. Prohibited Activities
You agree not to:
- Violate any applicable laws or regulations
- Engage in market manipulation or fraudulent activities
- Use our Services for money laundering or terrorist financing
- Attempt to gain unauthorized access to our systems
- Interfere with the proper functioning of our Services
- Use automated systems to access our Services without permission
- Impersonate another person or entity
8. Intellectual Property
All content, trademarks, logos, and intellectual property on our Services are owned by or licensed to KOMMNZ Securities. You may not reproduce, distribute, or create derivative works without our express written permission.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, KOMMNZ SECURITIES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF OUR SERVICES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR INVESTMENT LOSSES.
10. Indemnification
You agree to indemnify, defend, and hold harmless KOMMNZ Securities and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our Services or violation of these Terms.
11. Dispute Resolution
Any disputes arising from these Terms or your use of our Services shall be resolved through binding arbitration administered by FINRA in accordance with its rules. You waive any right to participate in a class action lawsuit or class-wide arbitration.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.
13. Modifications
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the revised Terms on our website. Your continued use of our Services after such modifications constitutes acceptance of the updated Terms.
14. Termination
We may suspend or terminate your access to our Services at any time for any reason, including violation of these Terms. Upon termination, your right to use the Services will immediately cease.
15. Contact Information
If you have questions about these Terms, please contact us:
KOMMNZ Securities, Inc.
Attn: Legal Department
200 Park Avenue, 25th Floor
New York, NY 10166
Email: legal@kommnz.com
Phone: (212) 847-9600