Electronic Consent Agreement
ELECTRONIC CONSENT AGREEMENT
Consent to Electronic Delivery of Records and Disclosures
Craft Financials, Inc. and Affiliates
Effective Date: May 7, 2026
PLEASE READ THIS ELECTRONIC CONSENT AGREEMENT (THIS “E-CONSENT AGREEMENT”) CAREFULLY AND PRINT OR SAVE A COPY FOR YOUR RECORDS. BY CHECKING THE BOX, CLICKING “I AGREE” (OR ANY SIMILAR INDICATION OF AGREEMENT), OR OTHERWISE COMPLETING THE ELECTRONIC ENROLLMENT OR ONBOARDING PROCESS, YOU AFFIRMATIVELY CONSENT TO THE TERMS OF THIS E-CONSENT AGREEMENT.
1. Scope and Purpose
This E-Consent Agreement is provided by Craft Financials, Inc. on behalf of itself and its affiliated entities Pod Securities, LLC ("Pod Securities"), Craft Advisors, LLC ("Craft Advisors"), and Craft Charter, LLC ("Craft Charter") (collectively, the "Craft Companies," "we," "us," or "our"). This E-Consent Agreement explains your rights and the requirements that apply when we provide records, disclosures, agreements, statements, notices, and other communications to you in electronic form rather than on paper.
This E-Consent Agreement is provided in compliance with the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. §§ 7001 et seq. (the “E-SIGN Act”), the Florida Uniform Electronic Transaction Act, Fla. Stat. §§ 668.50 et seq. (and the Uniform Electronic Transactions Act as adopted in other states where you may reside), and other applicable federal and state laws.
2. Records and Disclosures Covered
Your consent applies to all records, disclosures, agreements, notices, and other communications that we are required or permitted to deliver to you in writing in connection with our products and services (collectively, "Communications"), including, without limitation:
Account-opening agreements, applications, customer agreements, advisory agreements, and charter agreements (and any amendments).
Privacy notices and amendments (including notices required under Regulation S-P and the Gramm-Leach-Bliley Act).
This E-Consent Agreement, our Terms of Service, and any updates thereto.
Account statements, transaction confirmations, trade confirmations, and performance reports.
Form CRS, Form ADV Part 2A and 2B brochures (and any related supplements), and other Investment Advisers Act of 1940 disclosures.
Prospectuses, offering documents, summary prospectuses, statements of additional information, shareholder reports, proxy materials, and other materials required by federal and state securities laws and FINRA rules.
Tax forms (including Forms 1099, 1042-S, and any related schedules) and tax-related notices, to the extent permitted by applicable IRS rules.
Charter trip itineraries, booking confirmations, invoices, receipts, weight-and-balance acknowledgments, safety briefings, and other charter-related documentation.
Periodic regulatory and account-related notices, including margin calls (if applicable), fee changes, and amendments to disclosures.
Other records and notices that we elect, in our discretion, to deliver electronically.
3. How We Deliver Communications Electronically
We may deliver Communications to you by one or more of the following methods:
By email to the email address you have provided to us, with the Communication included in the body of the email or as an attached file.
By posting the Communication on www.flycraft.com or in a secure customer or client portal accessible through the Site or one of our applications, and notifying you (typically by email) that the Communication is available.
Through a mobile application or in-application messaging.
Through a third-party electronic-document or e-signature platform that we engage (for example, to deliver agreements for execution).
You agree that delivery by any of these methods constitutes “in writing” and is the legal equivalent of a paper writing under the E-SIGN Act, applicable state UETA statutes, and other applicable laws.
4. Hardware and Software Requirements
To access, view, and retain Communications electronically, you must have:
A personal computer, smartphone, tablet, or other internet-enabled device with an active internet connection.
A current version of a major web browser (such as Chrome, Safari, Edge, or Firefox) that supports HTTPS, JavaScript, and 256-bit encryption.
An active and accessible email account.
Software capable of viewing PDF files (for example, Adobe Acrobat Reader) and other common document formats (such as Microsoft Word or Excel).
Sufficient storage space, or a connected printer, to retain or print Communications for your records.
From time to time, we may update these requirements. If we make a change that creates a material risk that you will not be able to access or retain a subsequent Communication, we will notify you of the revised requirements and give you the right to withdraw your consent without any fee, condition, or consequence not previously disclosed.
5. Your Right to Receive Paper Copies
You have the right to receive any Communication on paper, free of charge in most cases, even after you provide your consent to electronic delivery. To request a paper copy of any Communication, contact us by:
Email at pod@flycraft.com;
Phone at (310) 848-3636; or
Mail at the address in Section 11.
In your request, please identify the Communication you would like in paper form, the account or relationship to which it relates, and your current mailing address. We may, where permitted by law, charge a reasonable fee for paper copies of certain types of records (for example, duplicate copies of historical statements). Any applicable fee will be disclosed to you before we charge it. Requesting a paper copy of a particular Communication does not, by itself, withdraw your consent to electronic delivery of other Communications.
6. Your Right to Withdraw Consent
You may withdraw your consent to receive Communications electronically at any time, free of charge. To withdraw consent, contact us using the methods listed in Section 5 and request that we deliver Communications to you on paper.
If you withdraw your consent:
Your withdrawal will be effective only after we have had a reasonable time to process it (typically within ten business days of receipt).
Withdrawal will not affect the legal validity or enforceability of any Communication previously provided or signed electronically.
Some products and services may be available only with electronic delivery. If you withdraw your consent, we may, in our discretion or as required by law, restrict, suspend, or terminate certain Services or change applicable fees, but we will not impose a fee or other consequence solely for the act of withdrawing consent that has not been disclosed to you in advance.
7. Keeping Your Contact Information Current
It is your responsibility to keep your email address, phone number, mailing address, and other contact information current with us at all times. To update your contact information, log in to your customer or client portal, contact your registered representative or relationship manager, or use the contact methods in Section 11.
You agree that we are not responsible for any Communication that is not delivered or that is delayed because your contact information was inaccurate, out of date, or no longer accessible to you.
8. Joint Accounts; Authorized Persons
If you maintain a joint account or other relationship with another person, your consent in this E-Consent Agreement is given on behalf of all account holders, beneficial owners, and authorized persons, and any one account holder may withdraw consent on behalf of the account. If your relationship with us is on behalf of an entity (such as a trust, partnership, corporation, or limited-liability company), the individual providing this consent represents that he or she is authorized to do so on behalf of the entity and all of its principals, beneficiaries, and authorized signatories.
9. Electronic Signatures and Records
You agree that any electronic signature you provide on or through the Site, our applications, or any third-party e-signature platform we engage (including a click-to-accept indication, typed name, drawn signature, or biometric signature) is intended by you to be an electronic signature with the same legal effect as a handwritten signature, and that any record bearing such a signature is an electronic record having the same legal effect as a paper record. You will not deny the validity of any agreement, consent, or other record based solely on the fact that it was signed or maintained electronically.
Each Craft Company maintains electronic records of Communications and electronic signatures in accordance with applicable books-and-records requirements, including SEC Rules 17a-3 and 17a-4 (broker-dealers), Investment Advisers Act Rule 204-2 (investment advisers), 14 C.F.R. Part 135 (air carriers), and applicable IRS and tax-recordkeeping rules.
10. Acknowledgment and Consent
By checking the box, clicking “I Agree” (or any similar indication of agreement), signing electronically, or otherwise completing the electronic enrollment or onboarding process, you acknowledge and agree that:
You have read this E-Consent Agreement and have been able to print or save a copy for your records.
You can access, view, and retain Communications delivered to you electronically using the hardware and software described in Section 4.
You consent to receive Communications electronically as described in this E-Consent Agreement, and you understand that this consent applies to all categories of Communications described in Section 2.
You understand that you have the right to receive paper copies (Section 5) and the right to withdraw your consent at any time (Section 6).
You are responsible for keeping your contact information current (Section 7).
You intend any electronic signature you provide to have the same legal effect as a handwritten signature (Section 9).
11. Contact Us
Questions about this E-Consent Agreement, requests for paper copies, withdrawals of consent, and updates to your contact information may be directed to:
Craft Financials, Inc.
Attn: Operations / Electronic Communications
c/o Pod Securities, LLC
14200 NW 42nd Avenue
Opa-locka, Florida 33054
Email: pod@flycraft.com
Phone: (310) 848-3636
Website: www.flycraft.com