Terms of Use

Effective date: December 1, 2023. Latest update: Oct 21, 2026

Terms of Use

Welcome to Lettuce. Please read on to learn the rules and restrictions that govern your use of our website(s), products, services and applications (the “Services”). If you have any questions, comments, or concerns regarding these terms or the Services, please contact us at:

Email: support@lettuce.co

Address: 548 Market St., Suite 84232, San Francisco, CA 94104

These Terms of Use (the “Terms”) are a binding contract between you and LETTUCE FINANCIAL LABS INC. (“Lettuce,” “we”, “us” and “our”). Your use of the Services in any way means that you (on behalf of yourself or the entity that you represent) agree to all of these Terms, and these Terms will remain in effect while you use the Services.

These Terms include the provisions in this document as well as those in our Privacy Policy. Your use of or participation in certain Services may also be subject to additional policies, rules and/or conditions (“Additional Terms”), which are incorporated herein by reference, and you understand and agree that by using or participating in any such Services, you agree to also comply with these Additional Terms.

US Clients Only. This website and the Services are intended to be made available to individuals in the United States, and the information on the website is only for such persons. Nothing on this website shall be considered a solicitation to sell the Services to any person in any jurisdiction where such offer or solicitation would be unlawful under the laws of such jurisdiction. You may not use the Services and may not accept the Terms if (a) you are not of legal age to form a binding contract with us, or (b) you are a person barred from using the Services under the laws of the United States or other countries including the country in which you are resident or from which you use the Services.

Please read these Terms carefully, as they cover important information about Services provided to you. PLEASE NOTE THAT YOUR USE OF AND ACCESS TO OUR SERVICES ARE SUBJECT TO THE FOLLOWING TERMS; IF YOU DO NOT AGREE TO ALL OF THE FOLLOWING, YOU MAY NOT USE OR ACCESS THE SERVICES IN ANY MANNER.

Will these Terms ever change?

We are constantly trying to improve our Services, so these Terms may need to change along with our Services. We reserve the right to change the Terms at any time, but if we do, we will place a notice on our site located at Lettuce.co, send you an email, or notify you by some other means.

If you don’t agree with the new Terms, you are free to reject them; unfortunately, that means you will no longer be able to use the Services. If you use the Services in any way after a change to the Terms is effective, that means you agree to all of the changes.

Except for changes by us as described here, no other amendment or modification of these Terms will be effective unless in writing and signed by both you and us.

What about my privacy?

Lettuce takes the privacy of its users very seriously. Information about how Lettuce works to protect your privacy can be found in our Privacy Policy.

What are the basics of using Lettuce?

Lettuce provides a fully integrated solution that works across tax payments, accounting, banking, and ongoing entity compliance. In the course of registering for and using the Services, you may be required to provide us with certain information, including your name, contact information, social security number, bank account information, business information, username and password (“Lettuce Credentials”). You promise to provide us with accurate, complete, and updated registration information about yourself, and shall not use or provide information you do not have a right to use. If your contact information or other information relating to your account changes, you must promptly notify us and keep such information current. You will only use the Services for your own internal, personal use, and not on behalf of or for the benefit of any third party. You will comply with all laws that apply to you, your use of the Services, and your actions and omissions that relate to the Services. If your use of the Services is prohibited by applicable laws, then you aren’t authorized to use the Services. We cannot and will not be responsible for your using the Services in a way that breaks the law.

You are solely responsible for any activity using your Lettuce Credentials, whether or not you authorized that activity. You will not share your Lettuce Credentials with anyone, and you must protect the security of your Lettuce Credentials, account, and any other access tools or credentials. You should immediately notify us of any unauthorized use of your Lettuce Credentials or if your email or password has been hacked or stolen. If you discover that someone is using your Lettuce Credentials without your consent, or you discover any other breach of security, you agree to notify us immediately.

What about messaging and electronic communications?

The communications between you and Lettuce use electronic means, whether you use the website or send us emails, or whether Lettuce posts notices on the website or communicates with you via email. For contractual purposes, by agreeing to these Terms and using the Services, you (a) consent to conducting business electronically; (b) consent to receiving communications from Lettuce in an electronic form; and (c) agree that all terms and conditions, agreements, notices, disclosures, and other communications that Lettuce provides to you electronically satisfy any legal requirement that such communications would satisfy if it were in a hardcopy writing.

Further, you represent and warrant that you have the legal right, power and authority to agree to the Terms and that the Services may enable you to send and receive valid e-signatures in the United States under the U.S. Electronic Signature in Global and National Commerce Act (“ESIGN Act”) and the Uniform Electronic Transactions Act (“UETA”) as adopted by individual states. You also agree that no certification authority or other third party verification is necessary to validate your electronic signature and that the lack of such certification or third party verification will not in any way affect the enforceability of your electronic signature or any resulting contract signed using Lettuce’s electronic signature service and technology. The foregoing does not affect your non-waivable rights.

Terms of Service for SMS Communications
By opting in to SMS communications from LETTUCE FINANCIAL LABS INC., you agree to the following terms:

Consent & Opt-In
• You must provide explicit consent to receive SMS messages.
• Consent is not a condition of purchase.

Message Frequency & Fees
• Message frequency may vary.
• Standard message and data rates may apply.

Opt-Out & Support
• To stop receiving messages, reply "STOP" at any time.
• For help, reply "HELP" or contact support@lettuce.co.

Privacy & Data Usage
• Your phone number will only be used for SMS communications related to our services.
• We do not sell or share your data with third parties for marketing purposes.

Liability
• We are not responsible for delayed or undelivered messages.
• Carriers are not liable for any SMS-related issues.

Modifications
• We reserve the right to modify these terms at any time. Continued use of the service constitutes acceptance of any updates.

Are there restrictions in how I can use the Services?

You represent, warrant, and agree that you will not provide or contribute anything, including any Content (defined below), to the Services, or otherwise use or interact with the Services, in a manner that:

infringes or violates the intellectual property rights or any other rights of anyone else (including Lettuce);

violates any law or regulation, including, without limitation, any applicable export control laws, privacy laws or any other purpose not reasonably intended by Lettuce;

is dangerous, harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, or otherwise objectionable;

jeopardizes the security of your Lettuce Credentials, account or anyone else’s (such as allowing someone else to log in to the Services as you);

attempts, in any manner, to obtain the password, account, or other security information from any other user;

violates the security of any computer network, or cracks any passwords or security encryption codes;

runs Maillist, Listserv, any form of auto-responder or “spam” on the Services, or any processes that run or are activated while you are not logged into the Services, or that otherwise interfere with the proper working of the Services (including by placing an unreasonable load on the Services’ infrastructure);

“crawls,” “scrapes,” or “spiders” any page, data, or portion of or relating to the Services or Content (through use of manual or automated means);

copies or stores any significant portion of the Content; or

decompiles, reverse engineers, or otherwise attempts to obtain the source code or underlying ideas or information of or relating to the Services.

A violation of any of the foregoing is grounds for termination of your right to use or access the Services.

What are my rights in the Services?

The materials displayed or performed or available on or through the Services, including, but not limited to, text, graphics, data, articles, photos, images, illustrations and so forth (all of the foregoing, the “Content”) are protected by copyright and/or other intellectual property laws. You promise to abide by all copyright notices, trademark rules, information, and restrictions contained in any Content you access through the Services, and you won’t use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell, commercialize or otherwise exploit for any purpose any Content not owned by you, (i) without the prior consent of the owner of that Content or (ii) in a way that violates someone else’s (including Lettuce's) rights.

Subject to these Terms, we grant each user of the Services a worldwide, non-exclusive, non-sublicensable and non-transferable license to use (i.e., to download and display locally) Content solely for purposes of using the Services. Use, reproduction, modification, distribution or storage of any Content for any purpose other than using the Services is expressly prohibited without prior written permission from us. You understand that Lettuce owns the Services. You won’t modify, publish, transmit, participate in the transfer or sale of, reproduce (except as expressly provided in this Section), create derivative works based on, or otherwise exploit any of the Services. The Services may allow you to copy or download certain Content, but please remember that even where these functionalities exist, all the restrictions in this section still apply.

Finally, you understand and agree that Lettuce, in performing the required technical steps to provide the Services to our users (including you), may need to make changes to your User Submissions to conform and adapt those User Submissions to the technical requirements of connection networks, devices, services, or media, and the foregoing licenses include the rights to do so.

Who is responsible for what I see and do on the Services?

You are responsible for all Content you contribute, in any manner, to the Services, and you represent and warrant you have all rights necessary to do so, in the manner in which you contribute it.

The Services may contain links or connections to third-party websites or services that are not owned or controlled by Lettuce. When you access third-party websites or use third-party services, you accept that there are risks in doing so, and that Lettuce is not responsible for such risks.

Lettuce has no control over, and assumes no responsibility for, the content, accuracy, privacy policies, or practices of or opinions expressed in any third-party websites or by any third party that you interact with through the Services. In addition, Lettuce will not and cannot monitor, verify, censor or edit the content of any third-party site or service. We encourage you to be aware when you leave the Services and to read the terms and conditions and privacy policy of each third-party website or service that you visit or utilize. By using the Services, you release and hold us harmless from any and all liability arising from your use of any third-party website or service.

If there is a dispute between participants on this site or Services, or between users and any third party, you agree that Lettuce is under no obligation to become involved. In the event that you have a dispute with one or more other users, you release Lettuce, its directors, officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to such disputes and/or our Services. You shall and hereby do waive California Civil Code Section 1542 or any similar law of any jurisdiction, which says in substance: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”

Will Lettuce ever change the Services?

We’re always trying to improve our Services, so they may change over time. We may suspend or discontinue any part of the Services, or we may introduce new features or impose limits on certain features or restrict access to parts or all of the Services. We reserve the right to remove any Content from the Services at any time, for any reason (including, but not limited to, if someone alleges you contributed that Content in violation of these Terms), in our sole discretion, and without notice.

What if I want to stop using the Services?

You’re free to do that at any time through your Lettuce account or by contacting us at support@Lettuce.co. Please refer to your account agreement(s) to understand how certain Services and obligations may continue during and after your subscription to the Services. Please also refer to our Privacy Policy, as well as the licenses above, to understand how we treat information you provide to us after you have stopped using our Services.

Lettuce is also free to terminate (or suspend access to) your use of the Services or your account for any reason in our discretion, including your breach of these Terms. Lettuce has the sole right to decide whether you are in violation of any of the restrictions set forth in these Terms.

Provisions that, by their nature, should survive termination of these Terms shall survive termination. By way of example, all of the following will survive termination: any obligation you have to pay us or indemnify us, any limitations on our liability, any terms regarding ownership or intellectual property rights, and terms regarding disputes between us.

What else do I need to know?

No Legal or Tax Advice. Lettuce is not a law or financial firm. Consultation with legal and tax professionals is advised prior to making any decisions.

Registered Agent. Where you purchase or are enrolled in registered agent services, you appoint Lettuce or a partner we designate, to act as your registered agent in the state or states you select, and you authorize us to receive service of process, state notices, and other official correspondence on your behalf and to deliver it to you electronically. The registered agent address is for that purpose only and is not your business, mailing, or principal office address. You are responsible for keeping your contact information current. If you cancel this service or stop using the Services, you must promptly appoint a replacement registered agent, and until you do and we receive confirmation of the change, we may continue to act and to bill for the service, or resign as permitted by applicable state law.

Warranty Disclaimer. Lettuce and its licensors, suppliers, partners, parent, subsidiaries or affiliated entities, and each of their respective officers, directors, members, employees, consultants, contract employees, representatives and agents, and each of their respective successors and assigns (Lettuce and all such parties together, the “Lettuce Parties”) make no representations or warranties concerning the Services, aside from those specifically made to you by Lettuce when you subscribe to use our paid Services, including without limitation regarding any Content contained in or accessed through the Services, and the Lettuce Parties will not be responsible or liable for the accuracy, copyright compliance, legality, or decency of material contained in or accessed through the Services or any claims, actions, suits procedures, costs, expenses, damages or liabilities arising out of use of, or in any way related to your participation in, the Services. The Lettuce Parties make no representations or warranties regarding suggestions or recommendations of services or products offered or purchased through or in connection with the Services. THE SERVICES AND CONTENT ARE PROVIDED BY Lettuce (AND ITS LICENSORS AND SUPPLIERS) ON AN “AS-IS” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT USE OF THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

Limitation of Liability. TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (INCLUDING, WITHOUT LIMITATION, TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE) SHALL ANY OF THE Lettuce PARTIES BE LIABLE TO YOU OR TO ANY OTHER PERSON FOR (A) ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES OF ANY KIND, INCLUDING DAMAGES FOR LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF DATA, LOSS OF GOODWILL, WORK STOPPAGE, ACCURACY OF RESULTS, OR COMPUTER FAILURE OR MALFUNCTION, (B) ANY SUBSTITUTE GOODS, SERVICES OR TECHNOLOGY, (C) ANY AMOUNT, IN THE AGGREGATE, IN EXCESS OF THE GREATER OF (I) ONE-HUNDRED ($100) DOLLARS OR (II) THE AMOUNTS PAID AND/OR PAYABLE BY YOU TO Lettuce IN CONNECTION WITH THE SERVICES IN THE TWELVE (12) MONTH PERIOD PRECEDING THIS APPLICABLE CLAIM OR (D) ANY MATTER BEYOND OUR REASONABLE CONTROL. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL OR CERTAIN OTHER DAMAGES, SO THE ABOVE LIMITATION AND EXCLUSIONS MAY NOT APPLY TO YOU.

Indemnity. You agree to indemnify and hold the Lettuce Parties harmless from and against any and all claims, liabilities, damages (actual and consequential), losses and expenses (including attorneys’ fees) arising from or in any way related to any claims relating to (a) your use of the non-subscriber Services (including any actions taken by a third party using your account), and (b) your violation of these Terms.

Assignment. You may not assign, delegate or transfer these Terms or your rights or obligations hereunder, or your Services account, in any way (by operation of law or otherwise) without Lettuce's prior written consent. We may transfer, assign, or delegate these Terms and our rights and obligations without consent.

Choice of Law and Venue. These Terms are governed by and will be construed under applicable federal law and the laws of the State of California, without regard to the conflicts of laws provisions thereof. Any legal action or proceeding arising under these Terms will be brought exclusively in courts located in the State of California, and you hereby irrevocably consent to the personal jurisdiction and venue therein. Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including without limitation to this paragraph.

Miscellaneous. You will be responsible for paying, withholding, filing, and reporting all taxes, duties, and other governmental assessments associated with your activity in connection with the Services, provided that the Lettuce may, in its sole discretion, do any of the foregoing on your behalf or for itself as it sees fit. The failure of either you or us to exercise, in any way, any right herein shall not be deemed a waiver of any further rights hereunder. If any provision of these Terms are found to be unenforceable or invalid, that provision will be limited or eliminated, to the minimum extent necessary, so that these Terms shall otherwise remain in full force and effect and enforceable. You and Lettuce agree that these Terms are the complete and exclusive statement of the mutual understanding between you and Lettuce, and that these Terms supersede and cancel all previous written and oral agreements, communications and other understandings relating to the subject matter of these Terms. You hereby acknowledge and agree that you are not an employee, agent, partner, or joint venture of Lettuce, and you do not have any authority of any kind to bind Lettuce in any respect whatsoever.

If you have any questions about these Terms, please contact us at support@lettuce.co.

Retirement Bonus Terms

Effective Oct 21, 2026

These Retirement Bonus Match Program Terms are Additional Terms under the Lettuce Terms of Use and apply only to the Lettuce Retirement Bonus Match Program (the "Program"). In this section, "these Terms" means these Program Terms. The Program is sponsored and paid for solely by Lettuce Financial Labs Inc. ("Lettuce," "we," "us"). By enrolling in the Program, you agree to these Terms. If these Terms conflict with the Lettuce Terms of Use, these Terms control as to the Program. Capitalized terms are defined in Section 10.

Carry Advisors LLC and Global Carry LLC do not sponsor, fund, or administer the Program.

1. Eligibility

To be eligible, you must meet all of the following conditions from the date you enroll through the date your Bonus is paid:

a. You are at least 18 years old and a legal U.S. resident.

b. You own a business that is eligible to sponsor a Solo 401(k). This generally means the business has no common-law employees other than you and your spouse. You are responsible for determining whether your business is eligible.

c. Your Lettuce, Carry, and plan accounts and your Qualifying Subscription are in good standing. Good standing means each of them is open and active, is not restricted or suspended, and is not flagged for suspected fraud or a violation of any agreement. Lettuce decides this in its sole discretion.

d. Neither you nor any business you own or control has already received a Bonus.

e. Neither you nor any business you own or control has received Lettuce's "3 months free Pro" promotional offer.

f. You are not an employee, officer, or contractor of Lettuce, Carry Advisors LLC, or Global Carry LLC, and are not an immediate family member of one.

One Bonus per person. Lettuce identifies Customers using the following, including across multiple email addresses or businesses:

Social Security Number;
Employer Identification Number;
phone number;
email address.

Existing and former Lettuce customers are limited to Tier 2 (see Section 2).

2. Bonus Tiers

Your tier is set at Enrollment, based on the products you hold at that time. You must keep your Qualifying Subscription through the date your Bonus is paid (Section 4(a)).

Tier	You must have	Maximum Bonus
Tier 1	A new Lettuce Pro or Lettuce Premium subscription started during the Program Period, and a Qualifying Plan	$500
Tier 2	Either a new Lettuce Grow subscription started during the Program Period or an existing Lettuce Pro subscription, and a Qualifying Plan	$100
Tier 3	A new annual Carry Membership purchased during the Program Period and a Qualifying Plan. Existing Carry members do not qualify for Tier 3.	$100

If you qualify for more than one tier, you receive the higher tier only. Tiers do not stack.

Existing and former Lettuce customers. Tier 1 is for new Lettuce customers only. If you or a business you own or control had any Lettuce account before the Program Period, you can qualify for Tier 2 only. To qualify, you must either hold a Lettuce Pro subscription at Enrollment or start a new Lettuce Subscription during the Program Period. If you are an existing Lettuce Grow or Lettuce Premium subscriber and do not start a new Lettuce Subscription during the Program Period, you are not eligible.

Every Qualifying Plan requires a Carry Membership. To open and keep a Solo 401(k) on the Plan Platform, you must have an active Carry Membership. Lettuce charges a separate fee for it. Lettuce subscribers get a discount on their first year of Carry Membership. See Carry fees.

3. Bonus Amount

a. Amount. Lettuce matches your Net Qualifying Contributions dollar for dollar, up to the maximum for your tier. Your Bonus equals the lowest of the following three amounts:

your Net Qualifying Contributions as of the Funding Deadline;
your Net Qualifying Contributions as of the Payout Determination Date;
the maximum Bonus for your tier.

b. Minimum. Your Net Qualifying Contributions must be at least $100 on both measurement dates, or no Bonus is paid. That means a qualifying Tier 1 Customer receives a Bonus of at least $100 and no more than $500, and a qualifying Tier 2 or Tier 3 Customer receives a Bonus of $100.

c. Example. A Tier 1 Customer has the following Net Qualifying Contributions:

$3,000 at the Funding Deadline;
$2,800 on the Payout Determination Date, after a $200 withdrawal.

The Bonus is $500. If that Customer instead had $300 on the Payout Determination Date, the Bonus would be $300.

d. Lettuce's records control. Lettuce decides your eligibility, tier, Enrollment date, Net Qualifying Contributions, and Bonus amount based on its own records and the records it receives from the Plan Platform. These decisions are final unless there is a manifest error. If you believe a decision is wrong, contact support@lettuce.co within 30 days after Lettuce notifies you of the decision or pays your Bonus, whichever comes first.

4. Additional Conditions

a. Good standing through payout. You must complete your Qualifying Period. After that, your Qualifying Subscription must stay active, paid, and in good standing until your Bonus is paid. If at any point before payout you no longer hold a Qualifying Subscription for the tier you were assigned at Enrollment, no Bonus is paid. This includes moving to a subscription that does not qualify for that tier. Your Bonus is not recalculated at a lower tier.

b. Fees paid outside the plan. The following fees must be paid from funds outside your Qualifying Plan:

your Lettuce Subscription;
your Carry Membership.

If any of these fees is paid from plan assets, no Bonus is payable.

c. Consent to share information. By enrolling, you authorize the following:

Carry Advisors LLC, Global Carry LLC, and the carrying broker may share the following with Lettuce, solely to administer the Program: your Qualifying Plan's account status, contribution amounts and dates, and withdrawal information.
Lettuce may share your name, contact information, and payout details with its payment provider to pay the Bonus.

This consent covers Program administration only. It does not change any privacy choice you have made with Carry, including any request to limit affiliates from using your information to market to you.

5. Payment

a. Timing. Lettuce pays each Bonus within 15 days after the Customer's Payout Determination Date. No Bonus is paid before March 1, 2027. All Bonuses are paid by April 30, 2027, except as described in Section 5(b) for Dub setup and Section 5(h) for permitted delays. Examples:

If you start your Qualifying Subscription and complete Enrollment on November 1, 2026, your Qualifying Period ends December 30, 2026. Your Payout Determination Date is March 1, 2027, and your Bonus is paid by March 16, 2027.
If you start your Qualifying Subscription and complete Enrollment on February 15, 2027, your Qualifying Period ends April 15, 2027. That is also your Payout Determination Date, and your Bonus is paid by April 30, 2027.

b. Method.

Lettuce business account: if your business has a Lettuce business operating account, the Bonus is paid to that account, and the payee is your business.
Dub: if your business does not have a Lettuce business operating account, or if you are a Tier 3 Customer, your Bonus is paid through our payment partner, Dub. It goes to a personal U.S. checking account in your individual name, and you are the payee. You must complete Dub's account setup, including any identity verification and tax information Dub requests, within 30 days after we notify you that your Bonus is ready. If you finish setup after your payment due date, Lettuce pays within 15 days after you finish. Dub will not accept an account held by or for a retirement plan, including any account titled to a plan, trust, or trustee, or held under a plan's EIN.

c. Forfeiture. You forfeit the Bonus if either of the following happens:

you do not complete payout setup within the time required by Section 5(b); or
the payment is returned or cannot be delivered after reasonable attempts.

d. Payee. The payee is the business or the individual, depending on the payment method described in Section 5(b).

e. Not a retirement contribution. The Bonus has the following characteristics:

It is paid to your business or personal checking account, not to your 401(k) or its bank account. Lettuce will never pay it to any bank, brokerage, or custodial account held by or for a retirement plan, including a plan trust account.
It is paid by Lettuce, not by any bank, and is not interest on any deposit account.
It is not an employer contribution, a matching contribution, or a contribution of any kind to any retirement plan.
It does not count toward any retirement plan contribution limit.
If you decide to contribute any amount to a retirement plan, normal plan rules and IRS limits apply.

f. Taxes. The Bonus is taxable income to the payee. You are responsible for reporting it and paying any tax owed. Lettuce will issue an IRS Form 1099 only where the law requires it. You must report the Bonus even if you do not receive a Form 1099. Lettuce or Dub may require a completed Form W-9 before paying.

g. Misdirected payments. If a Bonus is paid to an account held by or for a retirement plan, whether by error or because of information you provided, Lettuce may reverse the payment and pay it again to an eligible account. By enrolling, you authorize that reversal.

h. Permitted delays. Lettuce may delay a payment by up to 60 days, or until a review is resolved, for either of these reasons: (i) Lettuce is reviewing your eligibility or suspected fraud or abuse; or (ii) the Plan Platform, Dub, or a bank has caused a delay. Lettuce is not liable for these delays.

6. Changes and Termination

a. Ending the Program early. Lettuce may end the Program at any time before the Program Period ends, for any reason. To do so, Lettuce will post a notice on the Program page. Enrollment closes at the time stated in that notice, which may be immediately. No one may enroll after that time, and a Qualifying Plan or Qualifying Subscription opened after that time does not qualify.

b. Customers already enrolled. If you completed Enrollment before the Program ends, the early end does not affect you, except as described in Section 6(d). You may keep making Qualifying Contributions through the original Funding Deadline, and your Bonus is calculated and paid under these Terms on the original schedule.

c. Other changes. Lettuce may change these Terms at any time by posting the updated Terms. A change does not reduce the maximum Bonus, or delay the payment, of any Customer who enrolled before the change, except as described in Section 6(d) and Section 7.

d. Changes required by law. Lettuce may suspend, change, or cancel the Program, including for Customers who have already enrolled, if a law or regulation requires it or a regulator requests it. This applies even where Sections 6(b) and 6(c) would otherwise protect you. If this happens, Lettuce will notify the affected Customers. Where the law allows, Lettuce will provide a substitute benefit of equal value. If no payment can lawfully be made, no Bonus is owed.

7. Fraud, Abuse, and Errors

Lettuce may take any of the following actions:

deny or reduce a Bonus;
disqualify a Customer;
recover a Bonus that was paid by mistake or obtained through fraud, misrepresentation, or abuse of these Terms.

Lettuce will take these actions when it determines, in its sole discretion, that a Customer has done any of the following:

given false information;
used multiple identities or businesses to get more than one Bonus;
made contributions that were reversed or were not made with their own funds;
otherwise acted to obtain a Bonus they are not entitled to.

8. No Recommendation; No Advice

a. Not a recommendation. The Program is not a recommendation that you do any of the following:

establish a Solo 401(k);
make any contribution;
open any account;
buy any investment or follow any investment strategy.

By enrolling, you confirm that none of Lettuce, Carry Advisors LLC, or Global Carry LLC recommended that you open a Qualifying Plan or make any contribution to receive a Bonus.

b. No tax or legal advice. Lettuce does not provide tax or legal advice. Talk to a tax professional about whether a Solo 401(k) suits your situation and about how the Bonus is taxed.

c. No retirement plan. The Program does not create an employee benefit plan, pension plan, or deferred compensation arrangement, and is not subject to ERISA.

d. Your plan. Your business is the sponsor of your Qualifying Plan. Lettuce and Carry provide technology that helps you open the plan and connect it to services. Neither Lettuce nor Carry is the sponsor or the plan administrator of your Qualifying Plan.

9. General

a. Not transferable. The Bonus cannot be transferred and has no cash value except as paid under these Terms.

b. No combining. The Program cannot be combined with any other Lettuce or Carry promotion, except the first-year Carry Membership discount for Lettuce subscribers.

c. Void where prohibited.

d. Limitation of liability. To the fullest extent the law allows, Lettuce and its affiliates are not liable for any indirect, incidental, special, or consequential damages arising from the Program. Lettuce's total liability to you in connection with the Program will not exceed the maximum Bonus for your tier.

e. Release. By enrolling, you release Lettuce, Carry Advisors LLC, Global Carry LLC, and their officers, employees, and agents from claims arising from your participation in the Program or from receiving or using a Bonus. This release does not cover claims for a Bonus you are owed under these Terms, and it does not cover any right that cannot legally be waived.

f. Governing law and disputes. These Terms are governed by the choice of law and venue provisions of the Lettuce Terms of Use. This Section does not change any dispute resolution provision in your agreements with Carry Advisors LLC or Global Carry LLC.

g. Privacy. Lettuce handles your information under the Lettuce Privacy Policy and Section 4(c).

h. Questions. Contact support@lettuce.co.

10. Definitions

a. "Bonus" or "Bonus Match" means the one-time cash payment described in Section 3.

b. "Carry Membership" means a paid membership to the Carry platform, which Lettuce provides and bills for.

c. "Customer" means an individual who meets the eligibility requirements in Section 1, together with any business entity they own that sponsors the Qualifying Plan.

d. "Enrollment" means completing both of the following before the Program Period ends:

Open a Qualifying Plan. Open a new Solo 401(k) on the Plan Platform, either directly on Carry or from the Lettuce app.
Start your Qualifying Subscription. Have an active, paid Qualifying Subscription for your tier.

You are enrolled on the date the second of these two steps is completed. No separate sign-up is required. After you enroll, Lettuce will send you a confirmation email showing your Enrollment date and your tier. You do not need to fund your Qualifying Plan to enroll. You can make Qualifying Contributions through the Funding Deadline. If you complete both steps and do not receive a confirmation email, contact support@lettuce.co before the Program Period ends. By completing Enrollment, you agree to these Terms.

e. "Funding Deadline" means 11:59 p.m. ET on February 15, 2027.

f. "Lettuce Subscription" means a paid Lettuce Grow, Lettuce Pro, or Lettuce Premium subscription. A Lettuce Subscription is also called a Lettuce membership.

g. "Net Qualifying Contributions" means the total Qualifying Contributions posted to your Qualifying Plan account from the start of the Program Period through the relevant measurement date, minus every withdrawal, distribution, loan, transfer, or rollover out of that account over the same period. Market gains and losses do not change Net Qualifying Contributions.

h. "Payout Determination Date" means, for each Customer, the later of (i) March 1, 2027 and (ii) the last day of that Customer's Qualifying Period.

i. "Plan Platform" means the Carry technology platform where a Qualifying Plan is opened and connected to brokerage and advisory services. Carry Advisors LLC provides the advisory services, and Global Carry LLC provides the brokerage services.

j. "Program Period" means 12:00 a.m. ET on October 15, 2026 through 11:59 p.m. ET on February 15, 2027, or any earlier date on which the Program ends under Section 6.

k. "Qualifying Contribution" means one of the following, made with new money and posted to and settled in your Qualifying Plan account:

an employee elective deferral; or
an employer contribution made by your business.

Qualifying Contributions do not include:

rollovers or transfers from another retirement plan or IRA;
any payment from Lettuce or its affiliates, including any Bonus; or
any contribution that is reversed, charged back, returned, or removed as an excess contribution.

l. "Qualifying Period" means 60 consecutive days during which your Qualifying Subscription is active, paid, and in good standing (as described in Section 1(c)). The count starts on the later of the day your Qualifying Subscription starts and the day you complete Enrollment. That first day counts as day 1.

m. "Qualifying Plan" means a new one-participant 401(k) plan (a "Solo 401(k)") that your business sponsors and opens on the Plan Platform during the Program Period. This includes a plan you open from the Lettuce app. A plan established before the Program Period does not qualify, and neither does a plan opened anywhere other than the Plan Platform.

n. "Qualifying Subscription" means the subscription required for your tier. For Tier 1, it is a Lettuce Pro or Lettuce Premium subscription. For Tier 2, it is a Lettuce Subscription. For Tier 3, it is a Carry Membership.

About Carry. Advisory services are provided by Carry Advisors LLC, an SEC-registered investment adviser. Brokerage services are provided by Global Carry LLC, member FINRA/SIPC. Both are wholly owned subsidiaries of Lettuce Financial Labs Inc. Lettuce charges the Carry Membership fee. Registration does not imply a certain level of skill or training. Investing involves risk, including loss of principal.

See the following before opening an account:

Check the background of Global Carry LLC on FINRA BrokerCheck.