Important Disclosures

The information, tools, estimates, calculations, and content provided by Gigaverse — including but not limited to our AI Money Coach feature, tax optimization tools, retirement savings calculators, earnings projections, mileage tracking, expense categorization, and any other financial information — are provided for informational and educational purposes only.

This information does not constitute:

• Investment advice — We do not recommend specific investments, securities, or financial products. Any information about retirement accounts (Solo 401(k), IRA, SEP IRA) is general education, not a recommendation to open or contribute to any specific account.
• Tax advice — Our tax optimization tools, deduction estimates, mileage tracking, No Tax on Tips calculations, and quarterly estimate projections are estimates only. Tax laws are complex, vary by jurisdiction, and change frequently. These tools do not replace professional tax preparation or advice.
• Legal advice — Nothing provided by Gigaverse constitutes legal advice regarding your tax obligations, business structure, contractor status, employment classification, or any other legal matter.
• Financial planning — Our tools help you track and organize financial information but do not constitute comprehensive financial planning. Retirement projections, savings estimates, and wealth-building features are illustrative and based on assumptions that may not reflect your actual circumstances.
• Accounting services — Gigaverse does not perform bookkeeping, prepare tax returns, or file documents on your behalf. 1099 generation and tax document features are informational tools, not professional accounting services.

You acknowledge and agree that your use of the Service is for educational and informational purposes, that you are responsible for your own financial decisions, and that Gigaverse is only one of many tools you may use. Except as otherwise provided, Gigaverse will not be liable for decisions or actions you take based on information you receive through the Service.

The Gigaverse AI Money Coach (the “AI Money Coach”) is a software tool that uses artificial intelligence and machine learning to provide general financial education and informational guidance. The AI Money Coach:

• Is not a registered investment adviser and does not provide personalized investment advice
• Is not a licensed tax professional and cannot provide tax advice specific to your situation
• Is not an attorney and cannot provide legal advice
• May produce inaccurate, incomplete, or outdated information — AI systems can and do make errors
• Provides general information only that may not apply to your specific financial, tax, or legal circumstances
• Should never be relied upon as the sole basis for any financial, tax, legal, or investment decision
• Does not have access to your complete financial picture and cannot account for all factors relevant to your situation
• Uses language models that may generate plausible-sounding but incorrect information ("hallucinations")
• Is not a fiduciary — it does not owe you a duty of care or loyalty

You acknowledge and agree that any actions you take based on information from the AI Money Coach are at your own risk. Gigaverse expressly disclaims any liability for losses, damages, or adverse consequences arising from reliance on AI-generated content. You are solely responsible for independently verifying any information provided by the AI Money Coach before taking action.

All investments involve risk, including loss of principal. Any references to past performance, regarding financial markets or otherwise, do not indicate or guarantee future results. Forward-looking statements, including without limitation investment outcomes and projections, are hypothetical and educational in nature.

General Investment Risks

• Market risk — Investments may decline in value due to general market, economic, and industry conditions
• Liquidity risk — You may not be able to sell investments quickly at a fair price
• Inflation risk — The purchasing power of your investment may decline over time
• Interest rate risk — Changes in interest rates may affect the value of investments, particularly fixed-income securities
• Concentration risk — Investing in a limited number of securities, sectors, or geographic regions may increase volatility and risk
• Currency risk — Investments in foreign-denominated assets may be affected by currency fluctuations

Micro-Investing Risks

• Small, regular investments may still lose value
• Fees and expenses can have a proportionally larger impact on small account balances
• Micro-investing is not a substitute for comprehensive retirement or investment planning
• Historical returns of any referenced index or portfolio do not guarantee future results

Cryptocurrency and Digital Asset Risks

If Gigaverse offers features related to cryptocurrency or digital assets in the future:

• Digital assets are highly volatile and may experience sudden and large price swings
• Digital assets are not regulated by any U.S. federal agency to the same extent as traditional securities
• You could lose the entire value of your digital asset holdings
• Digital asset markets may become illiquid
• Tax treatment of digital assets is evolving and may change

Gigaverse provides tax-related tools including deduction estimators, mileage trackers, quarterly payment calculators, expense categorization, and information about tax provisions such as the No Tax on Tips provision. These tools are subject to the following:

• Estimates only — All tax calculations, deduction amounts, and savings projections are estimates based on general tax rules and the information you provide. Actual tax liability may differ significantly.
• Not tax preparation — Gigaverse does not prepare or file tax returns. You are solely responsible for the accuracy of your tax filings.
• Laws change — Tax laws, regulations, and IRS guidance change frequently. The No Tax on Tips provision (2025-2028) and other referenced legislation may be amended, repealed, or interpreted differently than described. Gigaverse is not responsible for keeping all information current at all times.
• Mileage tracking — Our mileage tracker is a record-keeping convenience tool. The IRS requires contemporaneous records, and Gigaverse does not guarantee that our tracking meets all IRS substantiation requirements. Consult a tax professional about record-keeping obligations.
• 1099 information — Any 1099-related features provide informational summaries only and do not replace official tax documents issued by platforms, employers, or financial institutions.
• State and local taxes — Our tools primarily address federal tax considerations. State, local, and municipal tax obligations vary significantly and may not be reflected in our estimates.
• Self-employment tax — Gig workers are generally subject to self-employment tax in addition to income tax. Our estimates may not fully capture all self-employment tax implications.
• Deduction eligibility — Whether you qualify for specific deductions depends on your individual circumstances. Our categorization of expenses as "deductible" is based on general rules and may not apply to your situation.

The Gigaverse PRActicle™ (Portable Retirement Account) is Gigaverse's branded retirement savings feature. When you create a Gigaverse account and complete the onboarding and KYC (Know Your Customer) verification process, a Roth IRA brokerage account is automatically opened on your behalf through Gigaverse AI, Inc.'s FINRA/SIPC-member brokerage partner. The portable Roth IRA is the only retirement account type Gigaverse opens. You may also access general educational information about other account types (Solo 401(k), Traditional IRA, SEP IRA) and micro-investing tools — Gigaverse does not open or manage those account types. The following disclosures apply:

• Not FDIC insured — Investment and retirement account balances are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other government agency.
• Risk of loss — All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results.
• No guarantee of returns — Any projected returns, APY rates, or performance estimates are hypothetical, based on historical data and assumptions, and are not guarantees of future performance. Actual returns may be higher or lower than shown.
• Saver’s Match — Information about the federal Saver’s Match program (starting 2027) is based on current legislation. Program details, eligibility requirements, and availability are subject to change based on IRS regulations and congressional action.
• Contribution limits — Retirement account contribution limits change annually. Gigaverse provides general information and cannot guarantee accuracy of specific limits for your tax year or situation.
• Account types — The suitability of specific retirement account types (Solo 401(k), IRA, SEP IRA, etc.) depends on your individual circumstances including income, employment status, existing accounts, and tax situation. Consult a financial advisor to determine which accounts are appropriate for you.
• Automatic Roth IRA — By completing Gigaverse onboarding and KYC verification, you consent to the opening of a Roth IRA brokerage account through Gigaverse AI, Inc.'s brokerage partner on your behalf. You are not required to fund the account. You may close the account at any time by contacting support.
• Roth IRA eligibility — Roth IRA contributions are subject to income limits set by the IRS. If your modified adjusted gross income (MAGI) exceeds the applicable threshold, you may not be eligible to contribute. Gigaverse does not verify your Roth IRA eligibility — you are solely responsible for ensuring you meet the requirements. Consult a tax professional.
• Roth IRA contribution limits — Annual Roth IRA contribution limits are set by the IRS and change periodically. Contributions exceeding these limits may result in penalties. You are responsible for tracking your total contributions across all IRA accounts.
• Roth IRA tax treatment — Roth IRA contributions are made with after-tax dollars. Qualified distributions (after age 59½ and a 5-year holding period) are generally tax-free. Non-qualified distributions may be subject to taxes and penalties.
• Early withdrawal — Early withdrawals from retirement accounts may be subject to penalties and taxes. You may withdraw your Roth IRA contributions (not earnings) at any time without penalty, but early withdrawal of earnings before age 59½ may incur a 10% penalty plus income tax. Understand the rules before making withdrawals.
• Tax implications — Retirement account contributions and distributions have tax implications that vary by account type, your age, income, and other factors. Consult a tax professional.

• Processing times — While we describe payments as “instant,” actual processing times depend on banking partners, network conditions, and recipient financial institutions. Delays may occur. "Instant" typically means within minutes but is not guaranteed.
• Fees — Transaction fees apply as described in our pricing page. Your platform provider may pass additional fees through to you. Fee schedules may change with 30 days' notice.
• Not a bank — Gigaverse is not a bank, credit union, or savings institution. Banking services, if any, are provided by our banking partners and are subject to their terms and conditions. Deposits held at partner banks may be eligible for FDIC insurance up to applicable limits.
• Not a money transmitter — Gigaverse facilitates payment processing through licensed third-party partners. Regulatory status varies by jurisdiction.
• Transaction limits — Maximum transaction amounts, daily limits, and withdrawal limits may apply. These limits may vary based on your account type, verification status, and platform.
• Reversals and chargebacks — Transactions may be reversed in cases of fraud, disputes, or errors. Reversed funds may be debited from your account.
• Exchange rates — If applicable, currency conversions are performed at prevailing exchange rates plus any applicable fees. Exchange rates fluctuate and the rate at the time of transaction may differ from quoted rates.

Gigaverse employs industry-standard security measures to protect your personal and financial information:

• Encryption — All data is encrypted in transit using TLS 1.2+ and at rest using AES-256 encryption
• Authentication — Multi-factor authentication (MFA) is available and recommended for all accounts
• Access controls — Role-based access with principle of least privilege; employee access is audited
• Infrastructure — Hosted on enterprise-grade cloud infrastructure with SOC 2-aligned controls
• Monitoring — 24/7 security monitoring, intrusion detection, and automated threat response
• Compliance — Regular security assessments, penetration testing, and vulnerability scanning

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security. For more information, see our Privacy Policy.

Gigaverse may display information, data, and content from third-party sources including gig platforms (Uber, DoorDash, Lyft, Instacart, Grubhub, Dragonfly, and others), financial data providers, and public sources. Gigaverse does not guarantee the accuracy, completeness, or timeliness of third-party information and is not responsible for errors or omissions in third-party data.

All third-party product names, logos, and brands are property of their respective owners. Use of these names, logos, and brands is for identification purposes only and does not imply endorsement or affiliation. Gigaverse is not affiliated with, endorsed by, or sponsored by any gig platform mentioned on this site unless explicitly stated.

The Service may contain links to third-party websites and services. We are not responsible for the content, accuracy, or privacy practices of third-party sites. We encourage you to read the terms and privacy policies of every third-party service you interact with.

Gigaverse uses cookies and similar technologies on our website and application. Cookies are small text files stored on your device that help us provide and improve the Service.

Types of Cookies We Use

• Essential cookies — Required for the Service to function (authentication, security, preferences). Cannot be disabled.
• Analytics cookies — Help us understand how visitors interact with the Service (page views, navigation patterns, feature usage). We use this data to improve the Service.
• Functional cookies — Remember your preferences and settings to enhance your experience.
• Marketing cookies — Used by us and our advertising partners to deliver relevant ads and measure campaign effectiveness.

Managing Cookies

Most browsers allow you to control cookies through their settings preferences. You can typically:

• View and delete existing cookies
• Block all or certain cookies
• Set preferences for specific websites
• Configure notifications when cookies are set

Please note that disabling certain cookies may affect the functionality of the Service. For more information about cookies and how to manage them, visit allaboutcookies.org.

Opt-Out Options

• Digital Advertising Alliance: optout.aboutads.info
• Network Advertising Initiative: optout.networkadvertising.org
• Google Analytics: Google Analytics Opt-out Browser Add-on

About Our Brokerage Partner

Gigaverse AI, Inc. partners with a registered FINRA/SIPC-member broker-dealer to provide brokerage and custody infrastructure that powers Gigaverse’s micro-investing and wealth-building features. When you invest through Gigaverse, your brokerage account is opened with and maintained by our brokerage partner, which is responsible for executing trades, maintaining custody of your securities, and providing trade confirmations and account statements.

SIPC Protection

Your securities account is protected by the Securities Investor Protection Corporation (SIPC) up to $500,000 (including $250,000 for cash claims). SIPC protects against the loss of cash and securities held by a customer at a financially-troubled SIPC-member brokerage firm. SIPC does not protect against market losses. For more information, visit www.sipc.org.

Form CRS (Customer Relationship Summary)

The SEC requires broker-dealers to provide a Customer Relationship Summary (Form CRS) that describes the types of services offered, fees and costs, conflicts of interest, and disciplinary history. You can view the brokerage partner’s Form CRS at Brokerage Form CRS (PDF).

Important Brokerage Disclosures

• Investments are not FDIC insured — Securities held in your brokerage account are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. They are not deposits or obligations of any bank.
• Investments may lose value — All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results.
• No bank guarantee — Securities are not guaranteed by any bank or financial institution.
• Order execution — Gigaverse transmits your investment orders to our brokerage partner for execution. Orders may be aggregated and executed during distinct trading windows during normal market hours. There is no guarantee that orders will be executed at any particular price or during any particular trading window.
• Fractional shares — If available, fractional share investing involves purchasing less than one whole share of a security. Fractional shares are illiquid outside of the platform and may not be transferable. Not all securities are eligible for fractional share investing.
• Market hours — Orders placed outside of market hours will be queued for the next available trading window. Prices may change significantly between when you place an order and when it executes.
• Not real-time trading — Gigaverse’s micro-investing features are not designed for real-time or day trading. There may be delays between when you initiate an investment and when the trade is executed.
• Tax implications — Buying and selling securities may have tax consequences. You are responsible for any applicable taxes on investment gains. Consult a tax professional for advice specific to your situation.

ETF Disclosures

Exchange Traded Funds (“ETFs”) are afforded certain exemptions from the Investment Company Act. Individual shares cannot be directly purchased from or redeemed by the ETF. Shares of an ETF are bought and sold at market price (not Net Asset Value, or “NAV”). Brokerage commissions will reduce returns.

• ETF portfolios are subject to market risk since the value of holdings may change at any time
• Investment return, price, yield, and NAV will fluctuate with changes in market conditions
• Investments may be worth more or less than the original cost when redeemed
• ETFs are subject to secondary market trading risks, including the risk that shares could trade at prices other than NAV
• ETF expense ratios reduce investment returns — review each fund’s prospectus before investing

Brokerage Disclosures & Agreements

For complete brokerage disclosures, agreements, and regulatory filings, contact [email protected]. Key documents include:

• Form CRS — Customer Relationship Summary
• Brokerage Terms & Conditions
• Brokerage Privacy Policy
• FINRA — Understanding Brokerage Accounts

Gigaverse AI, Inc., a Delaware corporation is a technology company. We are not registered with the U.S. Securities and Exchange Commission (SEC) as an investment adviser or broker-dealer, nor with the Financial Industry Regulatory Authority (FINRA) as a broker-dealer. We do not hold any state insurance licenses.

Securities brokerage services are provided by a FINRA/SIPC-member broker-dealer. Technology and services are offered by Gigaverse AI, Inc., a Delaware corporation. Gigaverse AI, Inc. is not a member of FINRA or SIPC and is not a registered broker-dealer.

Any references to regulatory frameworks, compliance features, or financial regulations on this website are provided for informational purposes to describe how our platform helps businesses meet their regulatory obligations. These descriptions do not constitute legal advice about your regulatory requirements.

Platform operators and businesses using our APIs and services are responsible for their own regulatory compliance, including any applicable money transmitter licenses, securities regulations, and tax reporting obligations.

The FINRA/SIPC membership referenced on this site pertains to Gigaverse AI, Inc.'s brokerage partner and does not imply that the SEC, FINRA, or SIPC has endorsed or approved the qualifications of Gigaverse AI, Inc. or its representatives to provide any services described on this site, or that Gigaverse has attained a particular level of skill or training.