Terms of Service
TERMS OF SERVICE
Craft Financials, Inc. and Affiliates
Effective Date: May 7, 2026
PLEASE READ THESE TERMS OF SERVICE CAREFULLY. THESE TERMS CONTAIN A BINDING ARBITRATION PROVISION AND A WAIVER OF YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION (SEE SECTION 17). BY ACCESSING OR USING THE SITE OR ANY OF OUR SERVICES, YOU AGREE TO THESE TERMS.
1. Acceptance of These Terms
These Terms of Service (the "Terms") are a legal agreement between you and Craft Financials, Inc. ("Craft Financials," "we," "us," or "our"), 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"). These Terms govern your access to and use of www.flycraft.com (the "Site"), our mobile and web applications, and any related products, content, or services we provide (collectively, the "Services").
By accessing or using the Site or the Services, you represent that you are at least 18 years of age, have the legal capacity to enter into these Terms, and agree to be bound by these Terms and our Privacy Policy and Electronic Consent Agreement, each of which is incorporated by reference. If you do not agree, do not access or use the Site or the Services.
These Terms apply to your general use of the Site and the Services. Your use of specific Services offered by Pod Securities, Craft Advisors, or Craft Charter is also governed by separate written customer or client agreements (each, a “Client Agreement”). In the event of a conflict between these Terms and a Client Agreement, the Client Agreement controls with respect to that Service.
2. About the Craft Companies
Craft Financials, Inc. is the parent holding company of the Craft Companies. Each affiliate is a separate legal entity:
Pod Securities, LLC is a broker-dealer registered with the U.S. Securities and Exchange Commission (“SEC”) and a member of the Financial Industry Regulatory Authority (“FINRA”) and the Securities Investor Protection Corporation (“SIPC”). Pod Securities provides brokerage services subject to its written customer agreements and to applicable federal and state securities laws and FINRA rules.
Craft Advisors, LLC is an investment adviser registered with the SEC under the Investment Advisers Act of 1940. Craft Advisors provides investment-advisory services subject to its written advisory agreement and Form ADV brochure.
Craft Charter, LLC is an air carrier certificated by the Federal Aviation Administration (“FAA”) under 14 C.F.R. Part 135, providing on-demand charter air-transportation services pursuant to written charter agreements.
3. Eligibility and Account Registration
You may need to register an account to access certain Services. You agree that all information you provide to us is accurate, current, and complete, and that you will keep it accurate, current, and complete. You are responsible for safeguarding your account credentials and for all activity that occurs under your account. You agree to notify us immediately at pod@flycraft.com or (310) 848-3636 of any unauthorized use of your account or any other security breach.
We may refuse, suspend, or terminate any account, registration, or order at our discretion and as required by applicable law, including for failure to satisfy our customer-due-diligence, anti-money-laundering, sanctions, or know-your-customer requirements.
4. Brokerage Services (Pod Securities)
If you open or maintain a brokerage account with Pod Securities, your relationship is governed by the customer agreement, account application, and disclosures provided by Pod Securities at account opening. Those documents set forth, among other things, the products and services available, applicable fees and commissions, the role of any clearing firm, margin terms (if applicable), and your rights and obligations.
IMPORTANT INVESTMENT-RISK DISCLOSURES. Securities products offered through Pod Securities involve risk, including the possible loss of principal. Securities are NOT bank deposits, are NOT guaranteed by any bank, and are NOT insured by the Federal Deposit Insurance Corporation ("FDIC"), any other government agency, or any of the Craft Companies. Past performance is not indicative of future results. Pod Securities does not provide tax or legal advice. You should consult your own tax, legal, and financial advisers before making any investment decision.
Pod Securities is a member of SIPC, which provides limited protection for customer assets in the event of a broker-dealer failure. SIPC does not protect against market loss. Information about SIPC, including the SIPC Brochure, is available at www.sipc.org.
5. Investment-Advisory Services (Craft Advisors)
If you engage Craft Advisors for investment-advisory services, your relationship is governed by the written investment-advisory agreement between you and Craft Advisors and by Craft Advisors’ Form ADV Part 2A brochure and Form CRS, which describe Craft Advisors’ services, fees, conflicts of interest, disciplinary information, and the standard of care that applies to Craft Advisors as an SEC-registered investment adviser. Craft Advisors’ Form ADV is available without charge upon request and at https://adviserinfo.sec.gov.
Investment-advisory services involve risk, including the possible loss of principal. There is no guarantee that any investment strategy will achieve its objective. Investment-advisory services are not bank deposits, are not insured by the FDIC, and are not guaranteed by any of the Craft Companies.
6. Air-Charter Services (Craft Charter)
If you charter aircraft from Craft Charter, your transportation is governed by a written charter agreement between you and Craft Charter and by 14 C.F.R. Part 135 and other applicable federal aviation regulations. Craft Charter is not a scheduled air carrier, and the Site does not constitute a holding-out of scheduled service.
All flights are subject to safety, weather, mechanical, regulatory, crew-duty, airspace, and airport-availability considerations. Craft Charter or its pilot-in-command may delay, divert, or cancel any flight when, in their sole discretion, doing so is necessary or appropriate for safety or to comply with applicable law. Cancellation, deposit, payment, change-fee, and rebooking terms are set forth in your charter agreement. Pricing presented on the Site or in a quote is an estimate only and is not binding until confirmed in a signed charter agreement.
You are responsible for ensuring that you and your passengers comply with all applicable identification, security, customs, and immigration requirements, and for the accuracy of passenger-manifest information you provide to Craft Charter.
7. No Offer; No Advice; No Solicitation
Information on the Site is provided for informational purposes only and is not a recommendation, solicitation, or offer to buy or sell any security, advisory service, or other financial product. Nothing on the Site constitutes investment, tax, legal, accounting, or other professional advice. The availability of products or services on the Site does not imply that those products or services are appropriate or available in all jurisdictions or to all persons. Persons accessing the Site from outside the United States are responsible for compliance with any applicable local laws.
8. Acceptable Use; Prohibited Conduct
You agree not to:
Violate any applicable law, regulation, or rule of a self-regulatory organization (including FINRA, the SEC, or the FAA).
Use the Site or the Services to engage in market manipulation, insider trading, money laundering, terrorist financing, fraud, or any other unlawful activity.
Impersonate any person or misrepresent your affiliation with any person or entity.
Access or attempt to access any portion of the Site or the Services that you are not authorized to access, or to interfere with the security or operation of the Site or the Services.
Reverse-engineer, decompile, scrape, or copy any portion of the Site, or use any robot, spider, or automated means to access the Site, except as expressly permitted by us in writing.
Upload or transmit viruses, malicious code, or other material designed to disrupt, damage, or limit the functioning of the Site or any other computer system.
Use the Site or the Services to harass, threaten, or harm any other person, or to violate the privacy or intellectual-property rights of any other person.
9. Intellectual Property
The Site and the Services, including all text, graphics, logos, images, audio, video, software, data, and other content (collectively, the “Content”), are owned by or licensed to the Craft Companies and are protected by U.S. and international copyright, trademark, and other intellectual-property laws. The “Craft Financials,” “Pod Securities,” “Craft Advisors,” “Craft Charter,” and “craft” names and logos are trademarks of the Craft Companies or their affiliates.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site and the Content for your personal, non-commercial use. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any Content without our prior written consent, except as necessary to use the Site as intended.
10. User Submissions and Feedback
If you submit ideas, suggestions, or feedback to us (“Feedback”), you grant us a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable license to use, copy, modify, distribute, and otherwise exploit such Feedback for any purpose without compensation or attribution to you. We are not obligated to use any Feedback.
11. Third-Party Sites, Content, and Services
The Site may contain links to or integrations with third-party websites, content, products, or services (“Third-Party Materials”). We do not endorse and are not responsible for any Third-Party Materials. Your dealings with any third party are solely between you and that party, and you should review the third party’s terms and privacy policies before engaging with them.
12. Market Data; Time-Sensitive Information
Quotes, charts, news, account values, and other market or financial data displayed on the Site may be delayed, estimated, or otherwise inaccurate. We do not warrant the accuracy, timeliness, or completeness of such information and are not responsible for losses or damages resulting from your reliance on it. You should confirm any information that is material to a decision before acting on it.
13. Privacy and Communications
Our collection, use, and disclosure of personal information is governed by our Privacy Policy. You also consent to receive communications and disclosures from us electronically as described in our Electronic Consent Agreement, both of which are incorporated by reference into these Terms.
14. Disclaimers
THE SITE, THE CONTENT, AND THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, THE CRAFT COMPANIES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SITE OR THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED.
This section does not waive any right or cause of action that cannot be waived as a matter of law, including any rights you may have under federal or state securities laws.
15. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL ANY OF THE CRAFT COMPANIES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITY, OR GOODWILL, ARISING OUT OF OR RELATING TO THE SITE, THE CONTENT, OR THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
EXCEPT FOR LIABILITIES THAT CANNOT BE LIMITED OR EXCLUDED BY LAW (INCLUDING UNDER FEDERAL AND STATE SECURITIES LAWS), THE TOTAL AGGREGATE LIABILITY OF THE CRAFT COMPANIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO THE APPLICABLE CRAFT COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).
16. Indemnification
You agree to defend, indemnify, and hold harmless the Craft Companies and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to (a) your access to or use of the Site or the Services, (b) your violation of these Terms or any applicable law, or (c) your violation of any rights of any third party.
17. Binding Arbitration; Class-Action Waiver
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
17.1 Agreement to Arbitrate
Except as expressly provided below, you and the Craft Companies agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the Services (each, a "Dispute") will be resolved exclusively by binding individual arbitration administered by JAMS under its Comprehensive Arbitration Rules and Procedures (or, for Disputes under $250,000, its Streamlined Arbitration Rules). The arbitration will be held in Miami-Dade County, Florida (or another mutually agreed location), conducted in English, before a single neutral arbitrator. The arbitrator’s award will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. The arbitration will be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq.
17.2 Class-Action Waiver
YOU AND THE CRAFT COMPANIES AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate the claims of more than one person and may not preside over any form of class or representative proceeding.
17.3 FINRA Carve-Out (Pod Securities Customer Disputes)
If you are a customer of Pod Securities, any Dispute between you and Pod Securities that is required to be arbitrated under FINRA rules will instead be arbitrated before FINRA Dispute Resolution Services pursuant to the FINRA Code of Arbitration Procedure for Customer Disputes. The pre-dispute arbitration provisions in your Pod Securities customer agreement control over Section 17.1 and Section 17.2 to the extent of any conflict.
17.4 Exceptions
Either party may bring (a) an individual action in small-claims court for any Dispute that qualifies, and (b) an action in any court of competent jurisdiction to seek injunctive or other equitable relief to protect intellectual-property or confidentiality rights pending the outcome of arbitration. Nothing in this Section 17 prevents you from filing a complaint with the SEC, FINRA, the FAA, the California Privacy Protection Agency, or any other governmental or regulatory authority.
17.5 Opt-Out
You may opt out of this Section 17 (other than Section 17.3) by sending a written notice to the address in Section 22 within thirty (30) days of first accepting these Terms. Your notice must include your name, address, the email address you used to register, and a clear statement that you wish to opt out of arbitration.
18. Governing Law and Venue
These Terms and any Dispute will be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-laws principles, and, to the extent applicable, the federal laws of the United States. Subject to Section 17, the exclusive venue for any action arising out of or relating to these Terms is the state and federal courts located in Miami-Dade County, Florida, and you irrevocably consent to the personal jurisdiction of those courts.
19. Suspension and Termination
We may suspend or terminate your access to the Site or any Service at any time, with or without notice, for any reason, including if we believe that you have violated these Terms or any applicable law. Upon termination, all provisions of these Terms that by their nature should survive will survive, including Sections 9–18 and Sections 20–22.
20. Changes to These Terms
We may modify these Terms at any time by posting the revised Terms on the Site and updating the “Effective Date” at the top of this page. Material changes will be effective upon posting (or such later date as we specify), and your continued use of the Site or the Services following the effective date of any change constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Site and the Services.
21. Miscellaneous
These Terms, together with our Privacy Policy, our Electronic Consent Agreement, and any applicable Client Agreement, constitute the entire agreement between you and the Craft Companies with respect to the Site and the Services and supersede all prior or contemporaneous agreements, communications, and proposals. If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of that provision. You may not assign these Terms without our prior written consent; we may assign these Terms at any time. Headings are for convenience only and do not affect interpretation.
22. Contact Us
Questions about these Terms can be directed to:
Craft Financials, Inc.
Attn: Legal
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