Legal & Regulatory Notice

The Firm

Name and Independence

X-CHASE is an independent institutional financial systems firm. It is not affiliated with, endorsed by, sponsored by, or connected in any way to JPMorgan Chase & Co., Chase Bank, or any other organization using the name Chase. The firms are unrelated and operate in different businesses.

The Nature of Our Management

References on this website to the management of financial institutions describe operational, governance, vendor, and strategic management of an institution's business. They do not describe the management of investments, portfolios, or client assets. X-CHASE does not exercise discretion over any person's investments, does not manage funds or portfolios, and does not act as an investment manager or asset manager for any person.

Regulatory Status

X-CHASE is not licensed, registered, or authorized as a bank, broker-dealer, investment adviser, asset manager, money transmitter, or any other regulated financial institution in any jurisdiction. X-CHASE does not accept deposits, hold client money or assets, execute transactions, or provide investment advice. Where an engagement requires a regulated activity, that activity is carried out by appropriately authorized third parties under their own authorization and responsibility.

X-CHASE may pursue regulatory authorization in the future. Until then, the firm operates under an internal governance framework modeled on the standards of leading financial institutions. That framework is self-imposed. It is not supervised by any regulatory authority and is not a substitute for regulation.

No Offer or Solicitation

Nothing on this website constitutes an offer to sell, or a solicitation of an offer to buy, any security, financial product, or investment, or an offer of any regulated service. This website is not directed at any person in any jurisdiction where its publication or availability would be contrary to law.

No Advice

The content of this website is provided for general information only. It does not constitute investment, legal, tax, accounting, or regulatory advice, and it should not be relied upon as such. Readers should obtain independent professional advice before making any decision. An advisory or engagement relationship with X-CHASE arises only under a written agreement executed by both parties.

Publications and Analysis

Research and analysis published by X-CHASE, including The Keystone, reflect the views of the firm as of the date of publication. They draw on sources believed to be reliable, which have not been independently verified. Views may change without notice, and X-CHASE undertakes no obligation to update them.

Forward-Looking Statements

Certain content may contain statements about future developments, markets, or outcomes. Such statements reflect current expectations and are subject to risks and uncertainties that may cause actual results to differ materially.

Risk

Establishing and operating a financial institution involves material risks, including regulatory, capital, operational, market, counterparty, and technology risk. No outcome is guaranteed. The results of any prior engagement are not indicative of future results.

Third-Party References

Reference to any third-party provider, platform, institution, or jurisdiction is made for descriptive purposes only. It does not imply partnership, endorsement, or affiliation unless expressly stated.

Contact

Questions regarding this notice may be addressed to legal@x-chase.com.