Legal
Disclosures
Important disclosures regarding status, custody, risk, fees, and figures presented on the Services.
1. Operating status
Investor Services is the client-facing custody experience for Institutional Trust Company. Where Institutional Trust Company is not yet chartered, the Services are provided for demonstration and reference, and no account is offered or opened; nothing on the Services is an offer to open an account or a solicitation of any service from Institutional Trust Company. These operational legal documents take effect upon charter and adoption.
2. Custody, not advice or endorsement
Institutional Trust Company acts, or upon charter will act, as a directed, non-discretionary custodian. A custodian’s administration or custody of an asset is not an endorsement, recommendation, valuation, suitability determination, due-diligence review, or determination that the asset or any provider complies with tax or securities law. We do not investigate, evaluate, select, recommend, approve, sponsor, or endorse any investment, sponsor, issuer, adviser, dealer, platform, or service provider. See the ERISA & Fiduciary-Status Statement.
3. Not FDIC insured; investment risk
Investments held in an account are not deposits or obligations of Investor Services or Institutional Trust Company, are not insured by the Federal Deposit Insurance Corporation or any governmental agency, and may lose value. All investing involves risk, including the possible loss of principal.
4. Alternative-asset risks
Alternative assets involve heightened risks, including illiquidity, valuation uncertainty, limited transparency, concentration, leverage, and fraud, and may create tax consequences within a retirement account (including UBIT and UDFI). See the Alternative-Asset Acknowledgment & Risk Disclosure.
5. Tax figures
Contribution, catch-up, and related figures on the Services reflect the 2026 tax year and are provided for general information; eligibility, income phase-outs, and plan terms may reduce what you may contribute. Confirm current figures with a qualified tax professional.
6. Platform figures
“$16B+ secured,” “2.3M+ accounts protected,” and “$0 security-related losses” describe the ISCP→FISCP security features as of December 31, 2025 and refer to security and processing integrity — not investment performance or a guarantee against loss.
7. Forward-looking statements
Statements about future plans, charter status, features, or results are forward-looking and subject to change; they are not guarantees.
8. Fees and compensation
Account fees and how the custodian is compensated are described in the Fee & Compensation Disclosure.
9. Educational only
Information on the Services is general and is not individualized investment, legal, tax, accounting, or fiduciary advice. Consult qualified professionals about your circumstances.
Educational only. This page is general information, not individualized investment, legal, or tax advice. Rules depend on your account type, transaction, tax year, and circumstances — consult a qualified professional.