Form ADV

Cover Page

Parrot Finance, Inc. IARD# 338169 301 Mission St. San Francisco, CA 94105 (707) 343-8594 hello@parrotfinance.io www.parrotfinance.io September 25, 2025

This brochure provides information about the qualifications and business practices of Parrot Finance, Inc. (“Parrot”, “us”, “Firm”). If you have any questions about the contents of this brochure, please contact us at (707) 343-8594 or email us at hello@parrotfinance.io. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about Parrot Finance, Inc. is also available on the SEC’s website at www.adviserinfo.sec.gov. Registration does not imply a certain level of skill or training.

Item 2 – Material Changes

As this is the Firm’s initial brochure, there are no material changes to report. We will provide a new Brochure as necessary based on changes or new information, at any time, without charge. This Disclosure Brochure may be requested by calling the main number above. Additional information about Parrot Finance, Inc. is also available via the SEC’s website www.adviserinfo.sec.gov. The SEC’s website provides information about any persons affiliated with Parrot who are registered or are required to be registered as investment adviser representatives of Parrot.

Item 3 – Table of Contents Item 1 – Cover Page................................................................... i

Item 2 – Material Changes.............................................................................................................. ii

Item 3 – Table of Contents.............................................................................................................iii

Item 4 – Advisory Business............................................................................................................ 1

Item 5 – Fees and Compensation .............................................................................................. 3

Item 6 – Performance-Based Fees and Side-By-Side Management......................... 3

Item 7 – Types of Clients................................................................................................................. 3

Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss.................. 3

Item 9 – Disciplinary Information ................................................................................................ 6

Item 10 – Other Financial Industry Activities and Affiliations....................................... 7

Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading.. 7

Item 12 – Brokerage Practices........................................................................................................ 7

Item 13 – Review of Accounts ...................................................................................................... 8

Item 14 – Client Referrals and Other Compensation ........................................................ 8

Item 15 – Custody ............................................................................................................................... 8

Item 16 – Investment Discretion .................................................................................................. 8

Item 17 – Voting Client Securities................................................................................................ 9

Item 18 – Financial Information...................................................................................................... 9

Privacy Policy .......................................................................................................................................... 9

Item 4 – Advisory Business

Parrot Finance, Inc. (“Parrot”) was established in 2021 and applied for registration as an Investment Adviser in 2025. Nikki Varanasi, Lucy Yang, and Victoria Yang are Parrots principal shareholders. Parrot gives you access to investment recommendations, tailored to your goals without the high barriers of traditional fund managers, that typically require high income or net worth. Once you complete a quick, personalized questionnaire, Parrot will recommend portfolios clients can mimic based on data they input and their interests to build their own investment strategy. Clients are shown portfolios of hedge funds and asset managers that could be a fit, and they choose up to 5 funds to allocate a minimum of $250 investment amount across the funds chosen. Traditionally, investment advisers and hedge funds were only available to the wealthy. Parrot is changing that. Parrot believes everyone deserves access to the same tools and strategies as high net worth investors. With Parrot, you can:

• Link a brokerage account you open directly at the firm of your choosing
• Subscribe to portfolios representing well-known hedge funds and individuals
• Mirror trades made by professional investors through Parrot’s app

Parrot offers limited advisory services to its clients. The Parrot app provides access to portfolios – each portfolio represents a fund manager or political player. The portfolios in Parrot are generated through a combination of public filings and direct partnerships between Parrot and certain fund managers. The Parrot app connects to your brokerage account so you can browse, follow, and act on tracked portfolios, which will provide you with buy or sell alerts on stocks, exchange traded funds (ETFs), options, and cryptocurrencies. Once your brokerage account is linked, you decide which portfolios to follow and you can trade directly through Parrot’s app, or directly with your own brokerage firm. When trading through Parrot, your trades are sent straight to your brokerage firm for execution. If you don’t already have a brokerage account that allows connectivity to Parrot, we can provide a list of brokerage firms that you can select from. Choose how hands-on you want to be. Turn Auto-Mimic on to automatically copy trades from the portfolios you follow. Want to skip crypto? Avoid specific stocks? You’re in control — set your own trade restrictions. Keep Auto-Mimic off if you prefer to make every decision yourself, and you’ll get alerts about trades instead. You can act on them manually, right from the app. Parrot does not collect any other non-public personal information beyond information submitted by the user at account sign up. If a client has a brokerage account linked to their Parrot account, account balances, trade information and order status will be available to you in the Parrot app, but we don’t access anything else. All funds and securities transfers must be handled through your brokerage firm. Parrot does not offer a wrap fee program. Parrot’s fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses, which are charged by the client’s brokerage firm. Certain products, including ETFs also charge internal management fees, which are disclosed in the fund’s prospectus. Such charges, fees and commissions are exclusive of and in addition to Parrot’s fee, and Parrot does not receive any portion of these commissions, fees, and costs. As a newly formed Investment Adviser, Parrot has no assets under management. Parrot may manage assets on a discretionary or non-discretionary basis.

Item 5 – Fees and Compensation

Parrot charges a flat subscription fee to clients for subscribing to our premium service and having access to the portfolios we make available. Clients can choose to be billed $24.00 quarterly or $76.00 annually, in advance. The initial fee is due upon subscribing to our premium service and either quarterly or annually thereafter and will be charged based on the funding option used in the App Store. The subscription fee is not negotiable. Parrot’s subscription charges do not cover charges imposed by third-parties for investments held in the account, such as commissions or similar transaction-based fees. The subscription fee also does not cover fees and charges in connection with: debit balances; margin interest; odd-lot differentials; IRA fees; transfer taxes; exchange fees; wire transfers; extensions; non-sufficient funds; mailgrams; legal transfers; bank wires; postage; costs associated with exchanging foreign currencies; and SEC fees or other fees or taxes required by law. Broker-dealers and certain underlying investments may charge direct fees and indirect fees. Direct fees are taken directly from the brokerage account in the form of commissions on transactions and will appear on your monthly or quarterly statement. Indirect fees include order routing rebates that the brokerage firm receives for routing your order, and management fees charged by certain underlying products, including ETFs, which is disclosed in the prospectus. Clients are encouraged to contact their selected broker-dealer for a full list of fees that may be charged. Upon notification of the death of a client, Parrot will cease advisory services immediately, deactivate the user's account for Parrot, and cease billing. Importantly, this will not affect the account held at the client’s selected broker-dealer. The client’s beneficiary or executor will need to notify the broker-dealer of record in order to restrict trading outside of Parrot, and transfer the account to a beneficiary or estate account. Clients can cancel their subscription and delete their account with Parrot anytime. When a premium service subscription is canceled, clients will be able to access Parrot through their next billing date. Clients may request immediate termination of the premium service and a pro-rata refund of all prepaid fees paid by emailing us at hello@parrotfinance.io.

Item 6 – Performance-Based Fees and Side-By-Side Management

Parrot does not charge any performance-based fees (fees based on a share of capital gains or capital appreciation of the assets of a client).

Item 7 – Types of Clients

Parrot provides their portfolio services to individuals. There is a minimum account size of $250.00.

Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss

The portfolios made available through Parrot are generated through a combination of public filings and direct partnerships between Parrot and certain fund managers. While they are designed to mimic the portfolios of certain institutional fund managers and key figures, they may not be able to exactly replicate the returns. There usually is a time delay between the time the institutional fund manager or other individual makes the trade and that trade is publicly disclosed and integrated into a portfolio. Lag time in receiving the data or implementing the trading strategy means that clients trade entry prices may vary from the representative portfolio, and could result in significant difference in returns. Additionally, if a direct partnership is terminated clients mimicking those portfolios will no longer have access to the portfolio data and will have to select another portfolio to mimic. When creating the portfolios, Parrot may remove certain types of securities. This includes, but is not limited to short positions, options, and securities that cannot be traded in fractional shares. As a result, the portfolio will differ from the original version and may not fully reflect the composition, strategy, or performance of the source portfolio. These modifications may impact diversification, risk profile, and expected returns. Investors should consider these differences when evaluating portfolio suitability. As described in Item 4, Parrot offers limited advisory services. These services are designed to help clients build securities portfolios that reflect those available on the Parrot app. Parrot also provides guidance on the Portfolios, including how their risk levels compare to other options available on the Parrot app. Parrot’s services are based on information provided by the client. Clients must certify that their information is accurate and agree to promptly update Parrot if it changes. However, Parrot does not gather detailed information about every aspect of a client’s financial situation. As a result, important factors may not be considered. In addition, Parrot does not provide comprehensive financial planning services. We do not offer advice on a client’s full financial picture, such as retirement planning, tax strategies, debt management, estate planning, or insurance needs. Instead, our advisory services are narrowly focused. We provide guidance solely related to the construction, management, and maintenance of the specific investment products available through the Parrot app. Clients should consider seeking additional financial advice if they require support beyond these limited services. Not all portfolios are suitable for all clients. Investing in securities involves a risk that clients must be prepared to bear. For any risks associated with Investment Company products, please refer to the prospectuses for additional details about these risks. The investment approach constantly keeps the risk of loss in mind. Risks include, but are not limited to:

Item 9 – Disciplinary Information

Parrot has no information applicable to this Item.

Item 10 – Other Financial Industry Activities and Affiliations

Parrot has no information applicable to this Item.

Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading

Parrot has adopted a Code of Ethics for all supervised persons of the Firm describing its high standard of business conduct and fiduciary duty to its clients.

Item 12 – Brokerage Practices

Parrot requires that clients select the broker-dealer where their investment account will be held. Clients must choose from a list of broker dealers.

Item 13 – Review of Accounts

Clients will receive account statements at least quarterly from the custodian where their investment account is held.

Item 14 – Client Referrals and Other Compensation

Parrot does not receive an economic benefit from anyone other than the client for providing investment advice and other advisory services.

Item 15 – Custody

Parrot does not maintain any client accounts and will never have custody of client funds and securities.

Item 16 – Investment Discretion

When a client chooses to use the auto mimic feature, they grant Parrot discretionary authority in writing.

Item 17 – Voting Client Securities

Parrot does not vote proxies on behalf of advisory clients.

Item 18 – Financial Information

Parrot does not require or solicit prepayment of $1,200 in fees six months or more in advance. Parrot has no financial commitments that impair its ability to meet contractual and fiduciary commitments to clients.

Privacy Policy

Parrot views protecting your private information as a top priority. We do not disclose any non-public personal information about you to any non-affiliated third parties, except as permitted by law. We maintain physical and procedural safeguards that comply with regulatory standards.