Terms of Service

Updated: April 15, 2025

AltoIRA.com is a website operated by Alto Solutions, Inc., a Delaware corporation for the purpose of opening and managing self-directed individual retirement accounts and qualified retirement plan accounts and alternative investments made through Accounts. The following terms and conditions govern your use of the Site and the infrastructure, software and services that support the Site (collectively, the "Alto Platform").

These Terms of Service (the "Agreement") is a contract between you (the "User," "you," or "your") and Alto. The term User includes persons who use the Alto Platform to establish and maintain an Account ("Investors"), persons who offer and sell assets comprising alternative investments to potential Investors ("Issuers"), and advisors appointed by Investors to manage Accounts on their behalf ("Advisors").

PLEASE READ THESE TERMS CAREFULLY. YOUR AGREEING TO THESE TERMS, INCLUDING THE FEE AND PAYMENT TERMS BELOW, IS A REQUIRED PREREQUISITE TO YOUR REGISTRATION AND USE OF THE ALTO PLATFORM. IF YOU DO NOT AGREE TO THESE TERMS YOU SHOULD LEAVE THIS SITE.

1. USERS

The Alto Platform is available only to persons who are at least eighteen (18) years old and legal entities capable of forming legally binding contracts under applicable law. In the case of Investors, the Alto Platform is available only to United States residents. You will use the Site, Alto Platform, and information available on the Site only for the purpose for which it was made available. You agree to comply with applicable laws and ensure that all information you provide is truthful and accurate.

We may assign you a User ID. You are solely responsible for ensuring the secrecy and security of your login credentials. Notify us immediately if you suspect that your password has been lost or stolen.

2. FEES AND PAYMENT

Fee. Alto charges Investors a fee to establish and maintain an Account and for transactions initiated through the Alto Platform. Users acknowledge they have reviewed the Alto pricing page here. Fees exclude applicable taxes, and User authorizes Alto to charge their payment method for any Account Fee and to modify Fees as necessary, upon notice.

3. DISCLAIMERS AND USER RESPONSIBILITIES

Alto does not provide legal, accounting or tax advice. The Alto Platform is only for investors who understand the high risk associated with private investments. Investors should conduct their own due diligence regarding investments managed through Alto.

Important Information for Opening a New Account. To comply with the USA PATRIOT ACT, Alto has adopted a Customer Identification Program. You agree to provide the personal information requested by Alto to comply with this program.

4. LINKS TO OTHER WEBSITES

We may display the names, logos, and provide links to third-party websites. We make no representation or warranty regarding linked sites and encourage you to read posted privacy statements.

5. RIGHT TO USE YOUR SUBMITTED COMMENTS AND OTHER CONTENT

If you post any feedback or content, you agree we may use your Content in various ways, including publicly displaying it and incorporating it into advertisements.

6. OWNERSHIP

Alto retains ownership of the Site and Alto Platform. You do not gain any ownership or other rights by using them. Use of the Alto name and branding is subject to specific conditions.

7. COPYRIGHT NOTICES

If you believe content displayed violates copyright laws, please notify us in writing.

8. PRIVACY POLICY

By accepting this Agreement, you confirm that you have read and agree to our Privacy Policy.

9. WARRANTY DISCLAIMER

ALTO MAKES NO EXPRESS REPRESENTATIONS OR WARRANTIES REGARDING THE SITE OR SERVICES. ALTO DISCLAIMS ALL IMPLIED CONDITIONS, REPRESENTATIONS AND WARRANTIES.

10. LIMITATION OF LIABILITY

IN NO EVENT WILL ALTO BE LIABLE FOR ANY INDIRECT OR PUNITIVE DAMAGES. THE LIABILITY OF ALTO FOR ANY CLAIM SHALL NOT EXCEED THE FEES RECEIVED BY ALTO FROM THE USER WITHIN THE 12 MONTH PERIOD PRECEDING THE CLAIM.

11. INDEMNIFICATION

You agree to indemnify and hold harmless Alto from any claims arising from your use of the Site or breach of these Terms.

12. TERMINATION

We may terminate your use of the Site at any time without cause. Obligations incurred prior to termination will continue to apply.

13. MISCELLANEOUS

Amendments. Alto may amend this Agreement by posting a revised version on the Site.

Governing Law. The laws of the State of Delaware govern this Agreement.

Notices. You may send notices to us at 500 11th Avenue North, Suite 790, Nashville, TN 37203.

Severability. If any provision is held invalid, the rest will continue in effect.

Waiver. Delays in exercising rights do not constitute waivers of such rights.

Please direct questions about these terms to help@altoira.com.