Version: 1.0
Last Updated: March 27, 2026

IMPORTANT NOTICE: THE CONTENT ON THIS WEBSITE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE AN OFFER TO SELL, A SOLICITATION OF AN OFFER TO BUY, OR A RECOMMENDATION OF ANY SECURITY, INVESTMENT PRODUCT, OR INVESTMENT STRATEGY. ANY INVESTMENT OPPORTUNITIES MADE AVAILABLE THROUGH REZYFI WILL BE OFFERED ONLY THROUGH SEPARATE OFFERING DOCUMENTS TO QUALIFIED INVESTORS IN COMPLIANCE WITH APPLICABLE SECURITIES LAWS.

RezyFi Inc. ("RezyFi," "we," "us," or "our") operates the website located at rezy.fi, along with any other websites that RezyFi operates and that link to these Terms of Use (collectively, the "Website"). RezyFi is the subject of a pending acquisition by ECGI Holdings, Inc. (OTC: ECGI) pursuant to a definitive Share Exchange Agreement signed March 24, 2026 (the "Pending Acquisition"). References to RezyFi's relationship with ECGI Holdings in these Terms reflect the anticipated post-closing corporate structure and will be updated upon closing of the Pending Acquisition.

These Terms of Use ("Terms") govern your access to and use of the Website. By accessing or using the Website, you accept and agree to be bound by these Terms, our Privacy Policy (available at rezy.fi/privacy), and our Cookie Policy (available at rezy.fi/cookies). Please also review our Important Disclosures and Disclaimer at rezy.fi/disclaimer. If you do not agree to these Terms, you should not access or use the Website.

These Terms apply to the informational and marketing content, features, and functionality available on the Website. If you access any investor portal, account-based services, or platform functionality offered by or through RezyFi (our "Platform Services"), your use of those services is governed by our Platform Terms of Service (available at rezy.fi/platform-terms), which supplement these Terms. In the event of a conflict between these Terms and the Platform Terms of Service, the Platform Terms of Service shall control with respect to Platform Services.

1. Definitions

"Content" means all text, graphics, logos, images, data compilations, software, and the design and arrangement thereof made available on or through the Website.

"Platform Services" means all account-based services, investor portal functionality, tokenization features, and blockchain-related services provided by or through RezyFi, as more fully defined in the Platform Terms of Service.

"Platform Terms of Service" means the separate agreement governing your access to and use of Platform Services, available at rezy.fi/platform-terms.

"Token" means a digital asset recorded on a blockchain network that represents an ownership interest, beneficial interest, or other right in connection with a mortgage loan or mortgage pool offered through the Platform.

"User Content" means any information, data, text, or other material that you submit, post, or transmit through the Website, including through contact forms, email signup forms, feedback submissions, or any interactive features.

2. Changes to Terms

We may modify these Terms at any time. Material changes will be posted on this page with an updated "Last Updated" date, and where feasible, we will provide 30 days' advance notice. Your continued use of the Website after any changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

3. Eligibility

The Website is intended for users who are at least 18 years of age. By accessing the Website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are accessing the Website on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms.

4. Use of the Website

4.1. The Website is provided for informational and educational purposes. Content on the Website, including descriptions of mortgage tokenization, blockchain technology, investment structures, and related topics, is provided for general informational purposes only. Nothing on the Website constitutes an offer to sell, a solicitation of an offer to buy, or a recommendation of any security, investment product, or investment strategy. No content on the Website should be construed as investment, financial, legal, tax, or regulatory advice.

4.2. You may not: (a) interfere with or disrupt the Website, its servers, or any connected networks; (b) attempt to gain unauthorized access to any portion of the Website or any systems or networks connected to it; (c) use any robot, spider, scraper, or other automated means to access the Website for any purpose without our express written permission; (d) reproduce, duplicate, copy, sell, resell, or exploit any portion of the Website for commercial purposes without our express written permission; (e) impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; (f) use the Website in any manner that could damage, disable, overburden, or impair it, or interfere with any other party's use of the Website; or (g) use the Website for any purpose that is unlawful or prohibited by these Terms.

4.3. Certain features of the Platform Services involve blockchain technology, which creates permanent, publicly visible records on distributed ledger networks. If you proceed from the Website to Platform Services, you will be subject to the Platform Terms of Service, which include important disclosures about the irreversible nature of blockchain transactions, data permanence, and related technology risks. We encourage you to review the Platform Terms of Service before creating an account or accessing any Platform Services.

4.4. If we offer Platform Services through a mobile application in the future, additional terms may apply. We will notify you of any such terms before you access Platform Services through a mobile application.

5. Information Collection and Email Communications

5.1. The Website may offer you the opportunity to submit your email address or other contact information to receive updates, express interest in investment opportunities, or request additional information. By submitting your information, you consent to receive electronic communications from us related to your inquiry. You may opt out of such communications at any time by following the unsubscribe instructions in any email you receive from us or by contacting us at legal@rezy.fi.

5.2. Submission of your contact information does not create an investor-issuer relationship, entitle you to any investment opportunity, constitute a subscription or commitment to invest, or constitute an offer or solicitation under any securities law. Expressing interest through the Website does not guarantee access to any future investment opportunity. Any future investment opportunities will be subject to separate Offering Documents, investor qualification requirements, and applicable federal and state securities laws.

5.3. Information you submit through the Website is subject to our Privacy Policy. We will not sell your personal information to third parties. For more information about how we collect, use, and protect your information, including your rights under applicable privacy laws, please review our Privacy Policy at rezy.fi/privacy.

6. User Content and License Grant

6.1. By submitting any User Content to or through the Website (including through contact forms, email signup forms, feedback submissions, or any other interactive features), you grant RezyFi a royalty-free, perpetual, irrevocable, non-exclusive, worldwide right and license to use, reproduce, modify, adapt, publish, distribute, and otherwise exploit such User Content for the purpose of operating, improving, and promoting the Website and our business. You represent and warrant that you have the right to grant this license and that your User Content does not violate any third-party rights.

6.2. You agree not to submit any User Content that: (a) is false, misleading, or inaccurate; (b) violates or infringes the rights of any third party, including intellectual property or privacy rights; (c) contains viruses, malware, or other harmful components; (d) violates any applicable law; (e) contains expressions of bigotry, racism, hate speech, or threats of violence; (f) contains unauthorized advertising, solicitation, or spam; or (g) represents or suggests RezyFi's endorsement of your statements, products, or services.

6.3. We have the right, but not the obligation, to monitor, edit, or remove any User Content at our sole discretion. We are not responsible for the accuracy or reliability of any User Content and assume no liability for any actions taken in reliance on User Content.

7. Intellectual Property

7.1. All Content on the Website is the property of RezyFi or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

7.2. The RezyFi name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of RezyFi or its affiliates. You may not use such marks without our prior written permission.

7.3. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Website and its Content for your personal, non-commercial informational purposes only. This license does not include the right to: (a) modify or copy the Content; (b) use the Content for any commercial purpose or public display; (c) remove any copyright or other proprietary notices from the Content; or (d) transfer the Content to another person or "mirror" the Content on any other server.

8. Third-Party Links and Content

The Website may contain links to third-party websites, resources, or content that are not owned or controlled by RezyFi. We do not endorse and are not responsible for the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that RezyFi is not liable for any damage or loss caused by or in connection with your use of or reliance on any third-party content, goods, or services available through such websites.

9. No Investment Advice; Forward-Looking Statements

9.1. RezyFi is a technology and mortgage platform company. Nothing on the Website constitutes investment, financial, legal, tax, or regulatory advice. You should consult your own advisors before making any investment decision.

9.2. The Website may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These statements involve known and unknown risks, uncertainties, and other factors that may cause actual results, performance, or achievements to differ materially from those expressed or implied. Forward-looking statements include, but are not limited to, statements about RezyFi's and ECGI Holdings' plans, objectives, expectations, and intentions regarding tokenization technology, mortgage lending operations, technology development, market opportunities, platform capabilities, and business strategy, as well as statements regarding the anticipated closing of the Pending Acquisition. These statements are based on management's current beliefs, expectations, and assumptions as of the date they appear on the Website. We undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required by law.

9.3. Any references to market size, industry data, or third-party research (including data from the Mortgage Bankers Association or other sources) are provided for context only and do not constitute projections of RezyFi's performance. Past performance of any mortgage-backed or tokenized instrument is not indicative of future results. The inclusion of market data on the Website should not be interpreted as a representation that RezyFi will capture any particular share of any market.

10. Disclaimer of Warranties

(A) THE WEBSITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

(B) REZYFI DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. REZYFI DOES NOT WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CONTENT ON THE WEBSITE, INCLUDING ANY MARKET DATA, INDUSTRY STATISTICS, OR DESCRIPTIONS OF TECHNOLOGY OR PLATFORM CAPABILITIES.

(C) NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM REZYFI OR THROUGH THE WEBSITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

(D) REZYFI DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE WEBSITE OR ANY LINKED WEBSITE.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL REZYFI OR ITS RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUBSIDIARIES, OR AFFILIATES BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH: (A) YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE WEBSITE; (B) ANY CONTENT OBTAINED FROM THE WEBSITE; (C) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OR RELATED TO THE WEBSITE; OR (D) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE WEBSITE EXCEED ONE HUNDRED DOLLARS ($100.00).

UPON CLOSING OF THE PENDING ACQUISITION, THE LIMITATIONS OF LIABILITY IN THIS SECTION SHALL EXTEND TO ECGI HOLDINGS, INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUBSIDIARIES, AND AFFILIATES.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS.

12. Indemnification

You agree to defend, indemnify, and hold harmless RezyFi and its officers, directors, employees, agents, subsidiaries, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your access to or use of the Website; (b) your violation of these Terms; (c) any User Content you submit; (d) your violation of any third-party right, including any intellectual property or privacy right; or (e) any claim that your use of the Website caused damage to a third party. Upon closing of the Pending Acquisition, this indemnification shall extend to ECGI Holdings, Inc. and its officers, directors, employees, agents, subsidiaries, and affiliates. This indemnification obligation will survive termination of these Terms and your use of the Website.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Notwithstanding the foregoing, matters arising under federal or state securities laws remain subject to applicable federal and state securities laws and the jurisdiction of the applicable regulatory authorities and courts, including the U.S. Securities and Exchange Commission.

14. Dispute Resolution

14.1. Binding Arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Website, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator. The place of arbitration shall be Wilmington, Delaware. Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

14.2. Class Action Waiver. YOU AND REZYFI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a class or representative proceeding.

14.3. Exceptions. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights. Claims eligible for small claims court may be brought there instead of arbitration.

14.4. Opt-Out. You may opt out of this arbitration agreement by sending written notice to legal@rezy.fi within 30 days of first accessing the Website. The notice must include your name, mailing address, and a clear statement that you wish to opt out of this arbitration agreement.

15. Termination

We may terminate or suspend your access to the Website at any time, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Website will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, warranty disclaimers, indemnification, limitations of liability, and dispute resolution.

16. Copyright and Intellectual Property Complaints

If you believe that any Content on the Website infringes your copyright or other intellectual property rights, please send a notice to legal@rezy.fi containing: (a) a description of the copyrighted work or intellectual property you claim has been infringed; (b) a description of where the allegedly infringing material is located on the Website; (c) your contact information; (d) a statement that you have a good faith belief that the disputed use is not authorized; and (e) a statement, made under penalty of perjury, that the information in your notice is accurate and that you are the owner or authorized to act on behalf of the owner. We reserve the right to remove content alleged to be infringing and to terminate access for repeat infringers.

17. Privacy and California Privacy Rights

17.1. Your use of the Website is governed by our Privacy Policy, available at rezy.fi/privacy. Please review the Privacy Policy to understand our practices regarding the collection, use, and disclosure of your information.

17.2. If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information is collected about you, the right to request deletion of your personal information, the right to opt out of the sale or sharing of your personal information, and the right to non-discrimination for exercising your privacy rights. You may exercise your opt-out rights by clicking the "Do Not Sell or Share My Personal Information" link in the Website footer, or by contacting us at privacy@rezy.fi. For further details on how to exercise these rights, please see our Privacy Policy.

18. Security

We take the security of the Website seriously. If you discover a security vulnerability affecting the Website, please report it responsibly to security@rezy.fi. Please do not publicly disclose any vulnerability until we have had a reasonable opportunity to address it. We appreciate the efforts of security researchers who help keep our users safe.

19. Accessibility

We strive to make the Website accessible to all users, with a goal of conforming to the Web Content Accessibility Guidelines (WCAG) 2.1 at the AA level. If you experience any accessibility barriers, please contact us at legal@rezy.fi so we can work to address them.

20. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions. The unenforceable provision shall be replaced with an enforceable provision that most closely reflects the intent of the original.

21. Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, Important Disclosures and Disclaimer (available at rezy.fi/disclaimer), and (if applicable) the Platform Terms of Service and any Offering Documents, constitute the entire agreement between you and RezyFi regarding your use of the Website and supersede all prior agreements and understandings, whether written or oral.

22. Contact Information

If you have any questions about these Terms, please contact us at:

RezyFi Inc. 4141 S Nogales St. C102 West Covina, CA 91792 legal@rezy.fi

For security vulnerabilities: security@rezy.fi

‍