Terms of Use

A Perfect Fifth, LLC or A Perfect Fifth (“APF”, “we” or “our”) application and the features of this application are subject to these Terms of Use (“Terms”), which we may update or amend from time to time. We will provide you with written, electronic notice of any updates or amendments to these Terms. Your continued use of A Perfect Fifth application (including any updates or other versions thereof, the “Application”) after we provide notice of any changes to these Terms constitutes your agreement to those changes. All references to “A Perfect Fifth” herein shall include its affiliates.


The Application is owned by A Perfect Fifth, LLC. If you do not agree with these Terms, you should immediately discontinue use of this Application. By using the public areas of the Application you are indicating your acceptance, without modification, of the disclaimers, terms and conditions set forth in this document, which apply equally to A Perfect Fifth, the Application and any information providers.


This Agreement shall become effective on the day and year signed, and signing shall occur by electronic signature evidenced from clicking or checking the “Submit Application” button


You are solely responsible for evaluating the merits and risks associated with the use of the Application or any Content provided through the Application (the “Services”) before making any investment or other decision based upon the same. You agree not to hold A Perfect Fifth liable for any possible claim for damages arising from any decision you make based on your use of the Application, the Services or any Content. Your election to engage the Services are subject to your explicit enrollment and acceptance of the related monthly fees and applicable penalty fees and early withdrawal fees.


Certain features or services offered on or through the Site and Application may require you to open an account and set up a profile, providing certain personally-identifiable information, including but not limited to your name, your social security number or other tax identification number, your address, your email address, and certain information about your financial situation and risk preferences (collectively, your “Client Information”). We reserve the right to restrict certain areas of information on the Site and Application to such registered users. You agree that you will maintain and promptly update your Client Information to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or we have reasonable grounds to suspect such, we reserve the right to terminate your account and refuse any and all current or future use of the Site and/or Application by you.


The Content and Services offered on the Application are intended for U.S. residents only. They shall not be considered a solicitation to any person in any jurisdiction where such solicitation would be illegal.

A Perfect Fifth, LLC does not make any representations, warranties or other guarantees as to the present or future value or suitability of any sale, trade or other transaction involving any particular investment.

Content is provided exclusively for personal and noncommercial access and use. A Perfect Fifth, LLC company names and logos and all related product and service names, design marks and slogans (collectively, “Marks”) are the property of A Perfect Fifth, LLC or its affiliates, as applicable. You are not authorized to, and agree not to, download, display or use any Content or Mark in any publication, advertising, publicity or any other commercial or non-commercial manner, in connection with products or services that are not those of A Perfect Fifth, in any other manner that is likely to cause confusion among consumers, that disparages or discredits A Perfect Fifth and/or its software or intellectual property licensors, that dilutes the strength of A Perfect Fifth or its licensors’ property, or that otherwise infringes A Perfect Fifth or its licensors’ intellectual property rights. You further agree to in no other way misuse any Services or Content that appears on the Application. You may not modify, copy, distribute, publish, license or sell any Services or Content or any derivative work based on the Services or Content.

A Perfect Fifth may discontinue or modify any category of Content or adjust its Services at any time. You release and agree to indemnify and hold harmless A Perfect Fifth, LLC for any of your losses or damages arising from or relating to such discontinuation or modification.

By using the Application, you consent to any form of recording and retention of any communication, information and data exchanged between you and A Perfect Fifth or its representatives or agents.

A Perfect Fifth may provide access to blogs, wikis, online conferences, telecasts, podcasts, or other forums (the “Forums”). All communications made at or through the Forums are public. A Perfect Fifth does not, unless otherwise required by law, have any obligation to screen, review, approve or endorse any Content obtained through the Forums. Reliance on the Content is at your own risk. By displaying, publishing, or otherwise posting any content on or through the application (“User Content”), you hereby grant to A Perfect Fifth a limited, irrevocable, non- exclusive, sub-licensable, worldwide, fully-paid, royalty free license to use, modify, publicly perform, publicly display, reproduce, and distribute all User Content without the requirement to make payment to you or to any third party or the need to seek any third party permission. This license includes the right to host, index, cache, distribute, and tag any of your User Content, as well as the right to sublicense such content to third parties, including other users, for use on other media or platforms known or hereinafter developed, such as for use on mobile phones. You continue to retain all ownership rights to your User Content, and you continue to have the right to use your User Content in any way you choose, subject to these Terms and the license described herein. You represent and warrant that you own the User Content submitted, displayed, published or posted by you on the application and otherwise have the right to grant the license set forth herein, and the displaying, publishing or posting of any User Content you submit, and our use thereof, does not and will not violate the privacy rights, publicity rights, copyrights, trademark rights, contract rights or any other intellectual property rights or other rights of any person or entity.

A Perfect Fifth may delete any User Content that in its sole judgment violates these Terms.

A Perfect Fifth may provide links to other applications or resources. Because neither A Perfect Fifth nor other information providers have any control over such applications and resources, you acknowledge and agree that A Perfect Fifth is not responsible for the availability of such external applications or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such applications or resources. You further acknowledge and agree that A Perfect Fifth shall not be responsible or liable, directly or indirectly, for any damage, liability or loss caused or alleged to be caused by or in connection with your use of or reliance on any such content, goods or services available on or through any such application.


Administrative Fees

For A Perfect Fifth individual accounts with average daily balances of less than $5,000.00 in the subject month, we will charge a fixed fee of $1.30 per month in advance. For A Perfect Fifth accounts with average daily balances of greater than $5,000.00 in the subject month, we charge a monthly fee of 0.0208% of the value of the account. On an annual basis, this represents a 0.25% fee (.0208% x 12). Fees are charged monthly, in advance. Fees will be calculated on the average daily balance of the previous 30 days and will be billed on or near the monthly anniversary date on which your account was opened. For those accounts with a balance under $5,000.00, we will directly take the monthly $1.30 administrative fee from either the balance in your account or from the bank account that you use to make the weekly deposits.

Late Return Penalty Fees

In the event money is withdrawn for an investment, the group has 3 months to deposit the money back plus profits which could be any amount. If the money is not deposited within the 3 months period, a 20% fee will be applied.


Early Withdrawal Penalty Fees

Once the weekly withdrawals commence the money must be grown for a 6 months period, after said time the account can be closed at any time with no penalty fee. In the event the account is closed before the 6 months growth period, a 30% fee will be applied.


Disclaimer of Representations or Warranties

Content and Service are provided on an “as is,” “as available” basis, and A Perfect Fifth does not make any representations as to the suitability of the Application, the Content, the Services or other materials for any purpose. A Perfect Fifth expressly disclaims any and all warranties, express or implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability and accuracy with respect to the Application, the Content, the Services and the other materials.