Terms of Service

By accessing, browsing, registering for, or otherwise using the Intelrift platform ("Platform"), whether through a web browser, API, mobile device, or any other means, you acknowledge that you have read, fully understood, and irrevocably agree to be legally bound by these Terms of Service ("Terms"), which constitute a binding legal agreement between you and SCD Global OÜ. Your use of the Platform — including the mere act of accessing any page, endpoint, or resource hosted on the Platform — constitutes your express electronic acceptance of these Terms in their entirety, in accordance with applicable electronic commerce and digital signature legislation, including Regulation (EU) No 910/2014 (eIDAS) and the Estonian Law of Obligations Act (Võlaõigusseadus).

If you do not agree to any provision of these Terms, or if you are unable or unwilling to be bound by them, you must immediately cease all use of the Platform and refrain from accessing, browsing, or interacting with any part of the Service. Continued use of the Platform after having been made aware of these Terms shall constitute irrevocable acceptance regardless of whether you have affirmatively clicked an "I agree" button or similar mechanism.

You represent and warrant that: (a) you are at least eighteen (18) years of age or have reached the age of majority in your jurisdiction of residence, whichever is greater; (b) you have the full legal capacity and authority to enter into this agreement and to perform your obligations hereunder; (c) you are not barred from using the Service under the laws of your jurisdiction of residence or any other applicable jurisdiction; and (d) your use of the Platform will not violate any applicable law, regulation, order, or directive.

If you are accessing or using the Platform on behalf of a corporation, partnership, limited liability company, governmental entity, or any other legal entity ("Organization"), you represent and warrant that: (i) you are duly authorized to accept these Terms on behalf of such Organization and to bind it to all obligations herein; (ii) these Terms shall be binding upon the Organization and all Authorized Users who access the Platform through the Organization's account; and (iii) you shall ensure that all individuals who access the Platform under the Organization's account comply with these Terms in full. If you do not have such authority, or if the Organization does not agree to these Terms, neither you nor the Organization may use the Platform.

The Company reserves the right to request verification of your identity, age, authority, or organizational affiliation at any time. Failure to provide satisfactory verification upon request may result in immediate suspension or termination of your account and access to the Service.

For the purposes of these Terms and all ancillary policies, the following capitalized terms shall have the meanings ascribed to them below. Where a defined term is used in the singular, it shall include the plural and vice versa, unless the context requires otherwise.

"Company," "We," "Us," or "Our" refers to SCD Global OÜ, a private limited company (osaühing) duly organized and existing under the laws of the Republic of Estonia, bearing registry code 17309316, with its registered office at Sepapaja tn 6, 15551 Tallinn, Harju maakond, Republic of Estonia, and VAT identification number EE102893128. References to the Company shall include its successors, assigns, subsidiaries, and affiliates, as applicable.

"Platform" refers to the Intelrift web application accessible at the domain intelrift.com and all associated subdomains (including, without limitation, app.intelrift.com, api.intelrift.com), application programming interfaces (APIs), webhooks, server-sent event (SSE) endpoints, and any other technical interfaces or access points through which the Service is made available, whether now existing or hereafter developed.

"Service" refers collectively to all features, tools, functionalities, content, AI Outputs, data visualizations, analyses, briefings, reports, dashboards, monitoring capabilities, alerting systems, research tools, market data presentations, and any other capability or output provided through or accessible via the Platform, including any updates, enhancements, or modifications thereto.

"User," "You," or "Your" refers to any natural person or legal entity that accesses, browses, registers for, subscribes to, or otherwise uses or interacts with the Platform or any component of the Service. Where a User accesses the Platform on behalf of an Organization, references to "User" shall include both the individual and the Organization.

"Authorized User" refers to any individual who is expressly authorized by an Organization to access and use the Platform under that Organization's account, subject to the subscription tier and user seat limitations applicable to such account.

"Content" refers to all data, text, analyses, briefings, reports, dashboards, visualizations, charts, graphs, maps, intelligence summaries, market data, news aggregations, cluster analyses, entity extractions, and any other information or material presented, displayed, or made available through the Platform, whether generated by the Company, by AI systems, by third-party data providers, or by Users.

"AI Outputs" refers to any and all content, analyses, briefings, hypotheses, playbooks, causal graphs, red team analyses, pre-mortem analyses, scenario analyses, probability assessments, confidence scores, SITREP reports, market intelligence reports, trading plan summaries, research syntheses, entity extractions, risk assessments, or other materials generated, in whole or in part, by the Platform's artificial intelligence systems, including but not limited to Spectre AI and any AI-powered feature that consumes Credits. AI Outputs are produced by third-party large language models (including OpenAI GPT-series and Perplexity Sonar models) and may contain errors, inaccuracies, biases, hallucinations, or fabricated information.

"Credits" refers to the non-monetary, non-transferable, non-refundable unit of consumption allocated to each User's account under their applicable subscription plan, which are consumed when the User accesses AI-powered features within the Platform. Credits have no cash value, no exchange value, and confer no property right or entitlement upon the User.

"Subscription" or "Plan" refers to the specific tier of Service access selected or assigned to a User's account (Free, Analyst, Team, or Enterprise), which determines the features available to the User and the number of Credits allocated per Billing Cycle.

"Billing Cycle" refers to the recurring monthly period commencing on the date of the User's initial paid subscription activation and renewing on the same calendar day of each subsequent month (or the last day of the month if the original activation day does not exist in a given month).

"Effective Date" refers to the date on which these Terms become binding upon the User, which shall be the earlier of: (a) the date the User first accesses or uses the Platform; or (b) the date the User creates an account on the Platform.

"Confidential Information" refers to any non-public information disclosed by the Company to the User, or accessible by the User through the Platform, including but not limited to proprietary algorithms, system architecture, business strategies, pricing methodologies, and internal analytics, but excluding information that: (i) is or becomes publicly available through no fault of the User; (ii) was known to the User prior to disclosure; or (iii) is independently developed by the User without reference to the Company's Confidential Information.

"Third-Party Content" refers to any data, information, content, feeds, or materials originating from third-party sources integrated into or displayed through the Platform, including but not limited to RSS news feeds, market data from Finnhub and Alpaca Markets, Inc., financial indices, and any information retrieved via Perplexity AI's real-time research capabilities.

"Third-Party Services" refers to external services, platforms, and providers utilized by the Company in the operation of the Platform, including but not limited to Stripe, Inc. (payment processing), OpenAI, LLC (AI model provider), Perplexity AI, Inc. (research AI provider), Finnhub (market data), Alpaca Markets, Inc. (market data), Google Analytics (web analytics), and Postmark/ActiveCampaign, LLC (transactional email).

"Personal Data" shall have the meaning ascribed to it in Article 4(1) of the General Data Protection Regulation (EU) 2016/679.

"Intellectual Property Rights" refers to all patents, trademarks, service marks, trade names, copyrights, database rights, design rights, trade secrets, know-how, moral rights, and all other intellectual property rights and proprietary rights, whether registered or unregistered, and including all applications for and renewals or extensions of such rights, subsisting anywhere in the world.

"Losses" refers to any and all losses, damages, liabilities, claims, demands, actions, proceedings, judgments, settlements, costs, expenses, and fees (including reasonable attorneys' fees and legal costs) of whatever nature, whether direct, indirect, consequential, incidental, special, punitive, or exemplary.

"Professional Advice" refers to financial advice, investment advice, trading recommendations, legal counsel, tax advice, accounting advice, political guidance, military intelligence, security consulting, or any other form of regulated professional counsel or advisory service.

Intelrift is a geopolitical intelligence and market analysis platform designed to aggregate, synthesize, and present open-source information for informational and educational purposes. The Platform provides the following capabilities, which may vary depending on the User's subscription tier and may be modified, expanded, or discontinued at any time at the Company's sole discretion:

• Automated ingestion, deduplication, clustering, and synthesis of news articles and intelligence reports from publicly available global open sources, including RSS feeds, news APIs, and other open-source data streams;
• AI-generated briefings, situation reports (SITREPs), intelligence analyses, hypotheses, playbooks, causal graph analyses, red team analyses, pre-mortem analyses, scenario modeling, probability assessments, and confidence scoring;
• Market data visualization, correlation analysis, sector mapping, and financial data presentation using data sourced from third-party providers including, without limitation, Finnhub and Alpaca Markets, Inc.;
• Real-time monitoring dashboards with configurable alerting, push notifications via server-sent events (SSE), and automated cache invalidation;
• Research tools with AI-powered synthesis, report generation, entity extraction, and natural language query capabilities powered by Spectre AI.

IMPORTANT NOTICE: The Service is provided on a strictly "AS IS" and "AS AVAILABLE" basis for informational and educational purposes only. The Platform is NOT a registered investment advisor, broker-dealer, financial planner, tax advisor, legal practice, intelligence agency, or provider of any regulated Professional Advice. Nothing on the Platform — including any Content, AI Output, analysis, briefing, report, visualization, score, probability assessment, market data display, or recommendation — shall be construed as, or shall serve as a substitute for, Professional Advice of any kind.

All AI-powered features utilize third-party large language models (including, without limitation, OpenAI GPT-series models and Perplexity Sonar models) that operate autonomously and may produce outputs that are inaccurate, incomplete, biased, hallucinated, outdated, or misleading. The Company does not manually review, verify, endorse, or guarantee any AI Output prior to its delivery to the User. Users must exercise independent judgment and seek qualified professional counsel before making any decision based on Platform Content.

The Company may, from time to time, introduce beta features, experimental capabilities, or early-access functionalities (collectively, "Beta Features"). Beta Features are provided without any warranty, support obligation, or service level commitment, and may be modified, suspended, or permanently removed at any time without notice. Use of Beta Features is entirely at the User's own risk.

Market data, financial information, and price feeds displayed on the Platform are sourced from Third-Party Services and may be delayed by fifteen (15) minutes or more, may be incomplete, and may contain errors. The Company makes no representation regarding the timeliness, accuracy, or completeness of any market data presented through the Platform. Users should consult authoritative financial data sources and qualified financial professionals before making any trading or investment decision.

To access features of the Service beyond publicly available pages, you must register for an account by providing a valid email address, your full name, and such other information as may be required during the registration process. You represent and warrant that all information provided during registration is accurate, current, complete, and not misleading. You agree to promptly update your account information to ensure it remains accurate and current at all times. The provision of false, inaccurate, or misleading registration information constitutes a material breach of these Terms and may result in immediate account termination.

You are solely and exclusively responsible for: (a) maintaining the strict confidentiality of your account credentials, including your password, authentication tokens, API keys, and any other access credentials associated with your account; (b) implementing adequate security measures to prevent unauthorized access to your account, including the use of strong, unique passwords of sufficient length and complexity; (c) all activities, transactions, and actions that occur under your account, regardless of whether such activities were authorized by you; and (d) immediately notifying the Company at [email protected] upon becoming aware of any unauthorized access to or use of your account, or any other actual or suspected breach of security.

Account sharing is strictly prohibited. Each account is for the exclusive use of a single individual. You may not share your login credentials, session tokens, API keys, or any other means of account access with any other person or entity. Organizations requiring multiple user access must obtain separate accounts for each Authorized User under an appropriate subscription plan.

For Organizations with multiple Authorized Users, the individual who creates the Organization's account (the "Account Administrator") shall be responsible for: (i) designating and managing Authorized Users; (ii) ensuring all Authorized Users comply with these Terms; (iii) promptly revoking access for Authorized Users who no longer require it or who have violated these Terms; and (iv) all activities conducted by Authorized Users under the Organization's account.

The Company reserves the right, at its sole and absolute discretion, to: (a) refuse any registration application without providing reasons; (b) require additional identity verification or documentation at any time; (c) suspend or restrict account access pending investigation of suspected policy violations or security concerns; (d) permanently terminate any User account for any reason or for no reason, without prior notice and without liability; and (e) classify accounts as dormant after ninety (90) consecutive days of inactivity and to suspend or close dormant accounts after providing thirty (30) days' notice to the email address associated with the account.

The Company shall not be liable for any Losses arising from unauthorized access to your account resulting from your failure to maintain the confidentiality of your credentials or to implement adequate security measures.

The Service is offered under the following subscription tiers, each of which provides a distinct set of features, capabilities, and Credit allocations as determined by the Company:

• Free: Read-only access to publicly available Platform Content. Zero (0) Credits per Billing Cycle. No access to AI-powered features, market analysis tools, export capabilities, or API access. This tier is provided at no cost and may be modified, restricted, or discontinued at any time without notice.
• Analyst: Twenty-nine United States Dollars ($29.00) per month. Five hundred (500) Credits per Billing Cycle. Access to AI-powered features, market analysis tools, and standard export capabilities, subject to the feature matrix published on the Platform.
• Team: Seventy-nine United States Dollars ($79.00) per month. Two thousand (2,000) Credits per Billing Cycle. Access to all Analyst features plus enhanced collaboration capabilities, advanced analysis tools, and expanded export functionality, subject to the feature matrix published on the Platform.
• Enterprise: One hundred ninety-nine United States Dollars ($199.00) per month. Ten thousand (10,000) Credits per Billing Cycle. Access to all Team features plus full API access, priority processing, and the complete feature set of the Platform, subject to the feature matrix published on the Platform.

All prices are stated in United States Dollars (USD) and are exclusive of applicable taxes, duties, levies, and other governmental charges, including but not limited to value-added tax (VAT), goods and services tax (GST), sales tax, and withholding tax, which shall be the sole responsibility of the User. The Company may display price equivalents in other currencies for informational convenience only; the USD amount shall govern in all cases.

The Company reserves the right to modify pricing structures, plan features, Credit allocations, and tier configurations at any time at its sole discretion. For price increases affecting Users with active paid subscriptions at the time of the change, the Company shall provide at least thirty (30) calendar days' advance notice via email to the address associated with the User's account. The User's continued use of the Service following the effective date of a price change shall constitute acceptance of the new pricing. Users who do not accept the new pricing must cancel their subscription before the new pricing takes effect; no refund shall be issued for the remaining portion of the then-current Billing Cycle.

The Company does not guarantee the perpetual availability of any subscription tier, feature, or pricing structure. Promotional or introductory pricing, if any, is subject to the specific terms and conditions stated at the time of the promotion and may be withdrawn, modified, or limited at any time. Promotional pricing shall not create any entitlement to continued pricing at the promotional rate beyond the stated promotional period. No grandfathering of prior pricing is guaranteed unless expressly stated in writing by an authorized representative of the Company.

Enterprise Users or Organizations with bespoke requirements may contact the Company at [email protected] to discuss custom subscription arrangements, which shall be governed by a separate written agreement between the parties.

Credits are the sole unit of consumption for accessing AI-powered features and premium capabilities within the Platform. Each AI-powered action consumes a specific number of Credits, ranging from two (2) to ten (10) Credits per operation, depending on the computational complexity, resource intensity, and type of AI feature accessed. The current Credit costs for each action are published on the Platform and are subject to change at any time.

Credit allocation and consumption are governed by the following rules, which the User acknowledges and accepts in their entirety:

• Credits are allocated to the User's account at the beginning of each Billing Cycle in accordance with the User's active subscription Plan.
• Unused Credits do NOT roll over, accumulate, or carry forward between Billing Cycles. At the commencement of each new Billing Cycle, the User's Credit balance is reset to the allocation corresponding to their active Plan, regardless of the number of unused Credits from the prior Billing Cycle.
• Credits are consumed only upon the successful completion of an AI-powered action. If an action fails due to a system error, the Credits for that action shall not be deducted.
• Credits have absolutely no monetary value, no cash equivalent, and no exchange value. Credits are not a currency, stored-value instrument, digital asset, cryptocurrency, virtual currency, or financial instrument of any kind.
• Credits are strictly non-refundable under any circumstances, including but not limited to: account termination, subscription downgrade, service dissatisfaction, AI Output quality, platform outages, or any other reason.
• Credits are non-transferable between Users, between accounts, or between Organizations. Credits cannot be gifted, sold, traded, bartered, auctioned, or otherwise conveyed to any third party.
• Credits cannot be redeemed for cash, credit, goods, services, or any other form of consideration.
• The Company reserves the right to adjust Credit costs for any action, modify Credit allocations for any Plan, or introduce new Credit-consuming features at any time without prior notice to the User.
• The Company may, at its sole discretion, offer promotional Credits, bonus Credits, or one-time Credit grants. Any such promotional Credits shall be subject to the specific terms stated at the time of the promotion, shall expire at the end of the Billing Cycle in which they are granted (unless otherwise specified), and shall not create any entitlement to future promotional Credits.

The User is solely responsible for monitoring their Credit consumption and managing their Credit balance. The Platform provides Credit balance information within the User's account dashboard; however, the Company does not guarantee real-time accuracy of displayed Credit balances and shall not be liable for any discrepancies. The Company reserves the right to implement automated abuse detection mechanisms and to suspend or terminate accounts that exhibit patterns of Credit abuse, manipulation, or exploitation.

All payment processing for the Platform is handled exclusively by Stripe, Inc. ("Stripe"), a PCI DSS Level 1 certified payment processor. The Company does not directly collect, store, process, or have access to your full credit card numbers, bank account details, or complete payment instrument data. By subscribing to a paid Plan, you expressly and irrevocably authorize the Company, through Stripe, to charge your designated payment method on a recurring monthly basis in the amount corresponding to your selected Plan, plus any applicable taxes, until you cancel your subscription or your account is terminated.

Subscriptions automatically renew at the end of each Billing Cycle unless the User cancels the subscription through the account settings page prior to the renewal date. Cancellation takes effect at the end of the then-current Billing Cycle; the User shall retain access to paid features until the expiration of the period already paid for. No pro-rata refunds, partial refunds, or credits of any kind are provided for unused portions of a Billing Cycle following cancellation.

ALL SALES ARE FINAL. THE COMPANY MAINTAINS A STRICT NO-REFUND POLICY. Except as may be required by mandatory applicable consumer protection law (including, where applicable, the European Union Consumer Rights Directive 2011/83/EU and its transposition into Estonian law), no refunds shall be issued for any reason, including but not limited to: dissatisfaction with the Service, AI Output quality, insufficient Credit allocation, partial use of a Billing Cycle, service outages, feature modifications, or account termination for cause. Where EU consumer protection law requires a refund right, such right shall be limited to the extent mandated by applicable law and shall not extend beyond the minimum required by such law.

In the event of a failed, declined, or expired payment, the Company shall: (a) attempt to reprocess the payment up to three (3) times within a seven (7) day grace period; (b) send a notification to the email address associated with the User's account; and (c) if payment remains unsuccessful after the grace period, automatically downgrade the User's account to the Free tier or suspend access to paid features until a valid payment method is provided and payment is successfully processed. The Company reserves the right to charge late fees or reactivation fees as disclosed at the time of reactivation.

The User is solely responsible for ensuring that their payment method is valid, current, and has sufficient funds or credit available. The User is responsible for all applicable taxes, duties, levies, surcharges, and governmental charges associated with their subscription, including but not limited to VAT, GST, sales tax, and withholding taxes. Where required by applicable law, the Company shall add applicable VAT or other indirect taxes to the subscription fee. The Company may issue electronic invoices via email or through the Platform.

The User acknowledges that Stripe's terms of service and privacy policy govern the processing of payment transactions. The Company shall not be liable for any errors, delays, or failures in payment processing attributable to Stripe or to the User's financial institution.

Chargebacks and payment disputes submitted through the User's bank or credit card issuer without first contacting the Company at [email protected] may result in immediate suspension of the User's account pending resolution. The Company reserves the right to permanently terminate accounts associated with fraudulent chargebacks or repeated unjustified payment disputes.

As a condition of your access to and use of the Platform, you agree to comply with all applicable laws, regulations, directives, and orders, and you agree that you shall NOT engage in, facilitate, or permit any of the following activities (collectively, "Prohibited Uses"):

• Use the Platform for any purpose that is unlawful, illegal, fraudulent, tortious, or prohibited by these Terms, by any applicable law, regulation, directive, or order, or by any policy published by the Company;
• Attempt to gain unauthorized access to any portion of the Platform, other User accounts, the Company's servers, databases, networks, systems, or any systems or networks connected to the Platform, by any means including but not limited to hacking, password mining, social engineering, or exploitation of vulnerabilities;
• Reverse engineer, decompile, disassemble, decrypt, or otherwise attempt to derive the source code, algorithms, data structures, or underlying ideas of any component of the Platform, except to the minimum extent expressly permitted by mandatory applicable law that cannot be excluded by contract;
• Redistribute, resell, sublicense, rent, lease, lend, or commercially exploit the Service, any Content, any AI Outputs, or any data derived from the Platform, in whole or in part, without the express prior written authorization of the Company;
• Use automated scripts, bots, scrapers, crawlers, spiders, indexers, data miners, or any other automated means or technology to access, interact with, extract data from, or monitor the Platform, except through APIs expressly provided by the Company for such purposes and within the applicable rate limits;
• Circumvent, disable, interfere with, or attempt to circumvent any rate limits, usage quotas, Credit consumption mechanisms, security features, access controls, authentication mechanisms, digital rights management systems, or other technical or administrative restrictions implemented by the Company;
• Exceed or attempt to exceed the rate limits, API quotas, or usage thresholds applicable to your account or subscription tier;
• Impersonate any person, entity, or organization, or falsely state, misrepresent, or create a misleading impression regarding your identity, affiliation, authority, or relationship with any person, entity, or organization;
• Use the Platform, any Content, or any AI Output to harm, threaten, harass, stalk, intimidate, defame, endanger, or violate the rights of any individual, entity, group, or organization;
• Submit false, misleading, deceptive, or fraudulent information to the Platform;
• Use the Platform to conduct, support, or facilitate competitive intelligence gathering against the Company, its products, services, or business operations;
• Use the Platform to develop, train, or improve any competing product, service, or artificial intelligence model;
• Introduce, transmit, or cause to be introduced any virus, worm, Trojan horse, ransomware, logic bomb, time bomb, or other malicious code ("Harmful Code") into the Platform;
• Conduct any security testing, penetration testing, vulnerability scanning, load testing, or stress testing against the Platform without the express prior written authorization of the Company;
• Interfere with, disrupt, or impose an unreasonable or disproportionate load on the Platform's infrastructure, servers, networks, or systems;
• Use the Platform in violation of any applicable export control laws, economic sanctions, trade restrictions, or embargo regulations, including but not limited to those administered by the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC), the European Union, or the Republic of Estonia;
• Access or use the Platform from, or on behalf of entities or individuals located in, jurisdictions subject to comprehensive economic sanctions;
• Use the Platform to process, store, or transmit any content that infringes, misappropriates, or violates any third-party Intellectual Property Rights, privacy rights, publicity rights, or other proprietary rights;
• Use the Platform for any purpose related to money laundering, terrorist financing, or the proliferation of weapons of mass destruction;
• Violate any applicable local, national, or international law, regulation, directive, or order, including but not limited to data protection laws (GDPR), financial regulations, anti-corruption laws, and consumer protection laws.

The Company reserves the right to investigate any suspected violation of this Acceptable Use policy and to take any action it deems appropriate, including but not limited to: issuing warnings, temporarily or permanently suspending or terminating the User's account, removing or disabling access to Content, reporting the User's conduct to law enforcement authorities, and pursuing civil or criminal remedies. Violation of this Acceptable Use policy may result in immediate termination of the User's account without prior notice and without entitlement to any refund of subscription fees, unused Credits, or any other amounts paid.

The Platform, including all source code, object code, software, systems, infrastructure, and all components thereof, is proprietary software owned exclusively by SCD Global OÜ. No license, right, or interest in or to the source code, object code, or any other component of the Platform is granted to the User under these Terms, except for the limited right to access and use the Service in accordance with these Terms and the User's active subscription Plan. The following are and shall remain the exclusive property of SCD Global OÜ, its licensors, or their respective rights holders:

• All generated Content, analyses, briefings, reports, SITREPs, intelligence summaries, and AI Outputs produced by or through the Platform;
• Data compilations, databases, curated intelligence feeds, training datasets, and all structured and unstructured data aggregated, processed, or derived by the Platform;
• The user interface design, visual elements, page layouts, interaction patterns, information architecture, and overall "look and feel" of the Platform;
• All trademarks, service marks, trade names, logos, trade dress, brand identities, domain names, and all associated branding, including without limitation the "Intelrift" name, the Intelrift logo, "Spectre AI," and all related marks and identifiers;
• All proprietary algorithms, machine learning models (to the extent developed by the Company), scoring methodologies, clustering techniques, enrichment processes, and analytical frameworks;
• All documentation, user guides, help texts, and instructional materials created by the Company;
• All confidential business information, trade secrets, and know-how of the Company.

The foregoing Intellectual Property Rights are protected by applicable copyright, trademark, patent, trade secret, and other intellectual property laws of the Republic of Estonia, the European Union, and applicable international treaties, including the Berne Convention for the Protection of Literary and Artistic Works, the WIPO Copyright Treaty, and the TRIPS Agreement.

Users retain all Intellectual Property Rights in their own original input data, queries, and content submitted to the Platform ("User Content"). By submitting User Content to the Platform, the User hereby grants to SCD Global OÜ a worldwide, non-exclusive, royalty-free, fully paid-up, perpetual, irrevocable, sublicensable, and transferable license to use, reproduce, process, store, analyze, aggregate, anonymize, modify, create derivative works from, and otherwise exploit such User Content for the purposes of: (a) providing, operating, and maintaining the Service; (b) improving, optimizing, and developing the Service and its features; (c) generating anonymized and aggregated analytics and insights; (d) training and improving the Company's proprietary models and algorithms (using only anonymized and aggregated data); and (e) complying with legal obligations. This license shall survive the termination of the User's account.

If a User provides any suggestions, ideas, feedback, enhancement requests, recommendations, or other communications regarding the Platform or Service ("Feedback"), the User hereby irrevocably assigns to the Company all right, title, and interest in and to such Feedback, including all Intellectual Property Rights therein. The Company shall be free to use, reproduce, modify, and commercially exploit any Feedback without restriction, attribution, compensation, or obligation to the User.

The Company respects the Intellectual Property Rights of third parties. If you believe that any Content on the Platform infringes your copyright or other intellectual property rights, please notify us at [email protected] with a detailed description of the alleged infringement, including the specific Content at issue, the copyrighted work or other right allegedly infringed, and your contact information.

CRITICAL LEGAL NOTICE — THIS SECTION CONSTITUTES A MATERIAL AND ESSENTIAL PART OF THESE TERMS. READ THIS SECTION IN ITS ENTIRETY BEFORE USING THE PLATFORM. BY ACCESSING OR USING THE PLATFORM, YOU EXPRESSLY AND IRREVOCABLY ACKNOWLEDGE, UNDERSTAND, AND AGREE TO EACH AND EVERY DISCLAIMER SET FORTH BELOW.

1. NO PROFESSIONAL ADVICE. THE PLATFORM, SERVICE, AND ALL CONTENT ARE PROVIDED STRICTLY FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. THE PLATFORM IS NOT A REGISTERED INVESTMENT ADVISER, BROKER-DEALER, FINANCIAL PLANNER, TAX ADVISER, LICENSED ATTORNEY, INTELLIGENCE AGENCY, GOVERNMENT ENTITY, OR PROVIDER OF ANY REGULATED PROFESSIONAL SERVICE. NOTHING ON THE PLATFORM — INCLUDING ANY CONTENT, AI OUTPUT, ANALYSIS, BRIEFING, REPORT, VISUALIZATION, SCORE, PROBABILITY ASSESSMENT, MARKET DATA DISPLAY, HYPOTHESIS, PLAYBOOK, CAUSAL GRAPH, SITREP, SCENARIO ANALYSIS, RED TEAM ANALYSIS, PRE-MORTEM ANALYSIS, RISK ASSESSMENT, TRADING PLAN, RESEARCH SYNTHESIS, ENTITY EXTRACTION, OR RECOMMENDATION — CONSTITUTES, OR SHALL BE CONSTRUED AS, FINANCIAL ADVICE, INVESTMENT ADVICE, TRADING RECOMMENDATIONS, SECURITIES ADVICE, LEGAL COUNSEL, TAX ADVICE, ACCOUNTING ADVICE, POLITICAL GUIDANCE, MILITARY INTELLIGENCE, SECURITY CONSULTING, OR PROFESSIONAL ADVICE OF ANY KIND. NO PROFESSIONAL-CLIENT, ATTORNEY-CLIENT, FIDUCIARY, OR ADVISORY RELATIONSHIP IS CREATED BETWEEN THE COMPANY AND ANY USER BY VIRTUE OF THE USER'S ACCESS TO OR USE OF THE PLATFORM.

2. AI OUTPUT DISCLAIMER. ALL AI OUTPUTS — INCLUDING WITHOUT LIMITATION THOSE GENERATED BY SPECTRE AI, BRIEFING GENERATION, HYPOTHESIS ANALYSIS, RED TEAM ANALYSIS, PRE-MORTEM ANALYSIS, PLAYBOOK GENERATION, CAUSAL GRAPH ANALYSIS, MARKET INTELLIGENCE SYNTHESIS, RESEARCH FEATURES, ENTITY EXTRACTION, SENTIMENT ANALYSIS, AND ANY OTHER AI-POWERED FEATURE — ARE PRODUCED AUTOMATICALLY BY THIRD-PARTY LARGE LANGUAGE MODELS (INCLUDING OPENAI GPT-SERIES MODELS AND PERPLEXITY SONAR MODELS) WITHOUT HUMAN REVIEW, VERIFICATION, OR EDITORIAL OVERSIGHT BY THE COMPANY PRIOR TO DELIVERY TO THE USER. AI OUTPUTS ARE GENERATED THROUGH PROBABILISTIC STATISTICAL MODELS AND MAY CONTAIN, WITHOUT LIMITATION: FACTUAL ERRORS AND INACCURACIES; HALLUCINATIONS (FABRICATED FACTS, EVENTS, ENTITIES, OR DATA THAT DO NOT EXIST IN REALITY); BIASES REFLECTING BIASES PRESENT IN TRAINING DATA; OUTDATED OR STALE INFORMATION THAT DOES NOT REFLECT CURRENT EVENTS; INTERNAL CONTRADICTIONS; MISATTRIBUTED SOURCES OR CITATIONS; FABRICATED STATISTICAL DATA, PERCENTAGES, OR FIGURES; MISLEADING CORRELATIONS OR CAUSAL CLAIMS; INCOMPLETE OR SELECTIVE PRESENTATION OF INFORMATION. THE COMPANY DOES NOT VERIFY, FACT-CHECK, CURATE, ENDORSE, OR ASSUME ANY RESPONSIBILITY WHATSOEVER FOR THE ACCURACY, RELIABILITY, COMPLETENESS, TRUTHFULNESS, TIMELINESS, OR SUITABILITY OF ANY AI OUTPUT. USERS MUST INDEPENDENTLY VERIFY ALL AI OUTPUTS BEFORE TAKING ANY ACTION BASED THEREON.

3. MARKET DATA DISCLAIMER. MARKET DATA, FINANCIAL INFORMATION, PRICE FEEDS, INDICES, CHARTS, AND RELATED FINANCIAL CONTENT DISPLAYED ON THE PLATFORM ARE SOURCED ENTIRELY FROM THIRD-PARTY DATA PROVIDERS, INCLUDING WITHOUT LIMITATION FINNHUB AND ALPACA MARKETS, INC., AND ARE PROVIDED WITHOUT ANY GUARANTEE, WARRANTY, OR REPRESENTATION OF ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, OR REAL-TIME AVAILABILITY. MARKET DATA MAY BE DELAYED BY FIFTEEN (15) MINUTES OR MORE, MAY BE INCOMPLETE, MAY CONTAIN ERRORS, AND MAY NOT REFLECT CURRENT MARKET CONDITIONS. THE COMPANY DOES NOT INDEPENDENTLY VERIFY MARKET DATA AND SHALL NOT BE LIABLE FOR ANY ERRORS, OMISSIONS, OR INACCURACIES IN THIRD-PARTY DATA. MARKET DATA PRESENTED ON THE PLATFORM SHALL NOT BE RELIED UPON FOR ANY TRADING, INVESTMENT, OR FINANCIAL DECISION.

4. NO GUARANTEE OF FUTURE RESULTS. PAST PERFORMANCE INDICATORS, HISTORICAL ANALYSES, BACKTESTING RESULTS, SCENARIOS, PROBABILITIES, CONFIDENCE SCORES, TREND PROJECTIONS, PATTERN ANALYSES, AND PREDICTIVE ASSESSMENTS PRESENTED ON THE PLATFORM DO NOT PREDICT, GUARANTEE, INDICATE, OR IN ANY WAY ASSURE FUTURE RESULTS, OUTCOMES, OR PERFORMANCE. THE FINANCIAL MARKETS AND GEOPOLITICAL LANDSCAPE ARE INHERENTLY UNPREDICTABLE AND SUBJECT TO RAPID AND MATERIAL CHANGE WITHOUT WARNING.

5. THIRD-PARTY CONTENT DISCLAIMER. THE PLATFORM AGGREGATES, SYNTHESIZES, AND PRESENTS INFORMATION FROM NUMEROUS THIRD-PARTY SOURCES, INCLUDING RSS NEWS FEEDS, PUBLIC DATABASES, AND THIRD-PARTY APIS. THE COMPANY DOES NOT CONTROL, VERIFY, ENDORSE, OR GUARANTEE THE ACCURACY, RELIABILITY, COMPLETENESS, LEGALITY, OR QUALITY OF ANY THIRD-PARTY CONTENT. THE INCLUSION OF THIRD-PARTY CONTENT ON THE PLATFORM DOES NOT IMPLY ANY AFFILIATION WITH, ENDORSEMENT OF, OR RESPONSIBILITY FOR THE THIRD-PARTY SOURCE OR ITS CONTENT.

6. USER RESPONSIBILITY AND INDEPENDENT VERIFICATION. YOU ASSUME FULL, SOLE, AND EXCLUSIVE RESPONSIBILITY FOR ANY AND ALL DECISIONS, ACTIONS, INVESTMENTS, TRADES, TRANSACTIONS, BUSINESS DECISIONS, POLITICAL ASSESSMENTS, RISK EVALUATIONS, OR OTHER ACTIVITIES UNDERTAKEN BASED ON, DERIVED FROM, OR IN ANY WAY INFLUENCED BY ANY CONTENT, AI OUTPUT, MARKET DATA, ANALYSIS, BRIEFING, REPORT, OR OTHER INFORMATION OBTAINED THROUGH THE PLATFORM. YOU ARE STRONGLY AND EXPRESSLY ADVISED TO: (A) CONDUCT YOUR OWN INDEPENDENT RESEARCH AND DUE DILIGENCE; (B) CONSULT WITH QUALIFIED, LICENSED PROFESSIONALS (INCLUDING FINANCIAL ADVISERS, ATTORNEYS, TAX PROFESSIONALS, AND OTHER RELEVANT EXPERTS) BEFORE MAKING ANY MATERIAL DECISION; (C) NOT RELY SOLELY ON THE PLATFORM FOR ANY DECISION-MAKING PURPOSE; AND (D) INDEPENDENTLY VERIFY ALL INFORMATION OBTAINED THROUGH THE PLATFORM USING AUTHORITATIVE PRIMARY SOURCES.

7. "AS IS" AND "AS AVAILABLE" DISCLAIMER. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION: (A) IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, AND FITNESS FOR A PARTICULAR PURPOSE; (B) IMPLIED WARRANTIES OF NON-INFRINGEMENT AND QUIET ENJOYMENT; (C) WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE; (D) ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, TIMELY, COMPLETE, OR FREE FROM VIRUSES OR OTHER HARMFUL CODE; (E) ANY WARRANTY THAT DEFECTS WILL BE CORRECTED; (F) ANY WARRANTY REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY CONTENT.

8. EU CONSUMER RIGHTS PRESERVATION. NOTWITHSTANDING ANY OTHER PROVISION OF THESE TERMS, NOTHING IN THIS SECTION SHALL EXCLUDE OR LIMIT ANY WARRANTY, CONDITION, OR LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED OR LIMITED UNDER MANDATORY APPLICABLE CONSUMER PROTECTION LAW, INCLUDING THE UNFAIR COMMERCIAL PRACTICES DIRECTIVE (2005/29/EC), THE CONSUMER RIGHTS DIRECTIVE (2011/83/EU), AND THEIR RESPECTIVE NATIONAL IMPLEMENTATIONS. TO THE EXTENT THAT ANY DISCLAIMER IN THIS SECTION CONFLICTS WITH MANDATORY CONSUMER PROTECTION RIGHTS IN YOUR JURISDICTION, THE DISCLAIMER SHALL APPLY ONLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

THE COMPANY, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY LOSSES, DAMAGES, COSTS, EXPENSES, CLAIMS, OR LIABILITIES OF ANY KIND OR NATURE WHATSOEVER ARISING FROM OR RELATED TO YOUR RELIANCE ON ANY CONTENT, AI OUTPUT, MARKET DATA, ANALYSIS, BRIEFING, REPORT, OR ANY OTHER INFORMATION OR OUTPUT OBTAINED THROUGH THE PLATFORM.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AND SUBJECT TO THE MANDATORY CONSUMER RIGHTS PRESERVATION CLAUSE SET FORTH BELOW:

1. AGGREGATE LIABILITY CAP. THE COMPANY'S TOTAL CUMULATIVE AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS, ACTIONS, DEMANDS, AND CAUSES OF ACTION ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICE, THE PLATFORM, OR ANY CONTENT (WHETHER ARISING IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, WARRANTY, STATUTE, OR OTHERWISE) SHALL NOT EXCEED THE LESSER OF: (A) THE TOTAL AMOUNT ACTUALLY PAID BY YOU TO THE COMPANY IN SUBSCRIPTION FEES (EXCLUDING TAXES) DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE FIRST EVENT GIVING RISE TO THE CLAIM; OR (B) ZERO UNITED STATES DOLLARS ($0.00 USD) IF YOU ARE ON THE FREE PLAN OR HAVE NOT MADE ANY PAYMENTS TO THE COMPANY, REFLECTING THAT NO CONSIDERATION HAS BEEN EXCHANGED. THIS AGGREGATE CAP APPLIES TO ALL CLAIMS IN THE AGGREGATE, NOT PER INCIDENT.

2. EXCLUSION OF DAMAGES. IN NO EVENT SHALL THE COMPANY, ITS DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, CONTRACTORS, SUBCONTRACTORS, LICENSORS, SERVICE PROVIDERS, OR AFFILIATES (COLLECTIVELY, "COMPANY PARTIES") BE LIABLE FOR ANY OF THE FOLLOWING, WHETHER FORESEEABLE OR UNFORESEEABLE, AND REGARDLESS OF WHETHER THE COMPANY PARTIES HAVE BEEN ADVISED, KNEW, OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND;
• LOSS OF PROFITS, REVENUE, INCOME, EARNINGS, GOODWILL, REPUTATION, OR ANTICIPATED SAVINGS;
• LOSS OF DATA, LOSS OF USE, LOSS OF BUSINESS OPPORTUNITIES, OR BUSINESS INTERRUPTION;
• COST OF PROCUREMENT OF SUBSTITUTE GOODS, SERVICES, OR TECHNOLOGY;
• DAMAGES ARISING FROM OR RELATED TO RELIANCE ON AI OUTPUTS, MARKET DATA, ANALYSES, BRIEFINGS, REPORTS, INTELLIGENCE SUMMARIES, OR ANY OTHER CONTENT OBTAINED THROUGH THE PLATFORM;
• DAMAGES ARISING FROM OR RELATED TO INVESTMENT DECISIONS, TRADING DECISIONS, FINANCIAL DECISIONS, BUSINESS DECISIONS, POLITICAL ASSESSMENTS, OR ANY OTHER DECISIONS INFORMED BY, DERIVED FROM, OR IN ANY WAY INFLUENCED BY PLATFORM CONTENT;
• DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA OR TRANSMISSIONS;
• DAMAGES ARISING FROM THE CONDUCT OF ANY THIRD PARTY ON OR RELATED TO THE SERVICE;
• DAMAGES ARISING FROM ERRORS, INACCURACIES, HALLUCINATIONS, OR OMISSIONS IN AI OUTPUTS;
• DAMAGES ARISING FROM SERVICE INTERRUPTIONS, DOWNTIME, OR UNAVAILABILITY;
• DIMINUTION IN VALUE OF ANY INVESTMENT, ASSET, OR PORTFOLIO.

3. LEGAL THEORY. THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY UPON WHICH THE CLAIM IS BASED, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE AND GROSS NEGLIGENCE), STRICT LIABILITY, WARRANTY, MISREPRESENTATION, PRODUCT LIABILITY, STATUTE, OR ANY OTHER LEGAL OR EQUITABLE THEORY, AND SHALL SURVIVE THE TERMINATION OR EXPIRATION OF THESE TERMS.

4. ESSENTIAL BASIS OF THE BARGAIN. YOU ACKNOWLEDGE AND AGREE THAT THE LIMITATIONS OF LIABILITY SET FORTH IN THIS SECTION ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN YOU AND THE COMPANY, AND THAT THE COMPANY WOULD NOT PROVIDE THE SERVICE WITHOUT SUCH LIMITATIONS.

5. CARVE-OUTS. NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS SECTION SHALL LIMIT OR EXCLUDE LIABILITY FOR: (A) DEATH OR PERSONAL INJURY CAUSED BY THE COMPANY'S NEGLIGENCE; (B) FRAUD OR FRAUDULENT MISREPRESENTATION BY THE COMPANY; (C) ANY OTHER LIABILITY THAT CANNOT BE LAWFULLY EXCLUDED OR LIMITED UNDER MANDATORY APPLICABLE LAW.

6. EU CONSUMER RIGHTS. WHERE YOU ARE A CONSUMER WITHIN THE MEANING OF EU CONSUMER PROTECTION LAW, THE LIMITATIONS IN THIS SECTION SHALL APPLY ONLY TO THE MAXIMUM EXTENT PERMITTED BY MANDATORY APPLICABLE CONSUMER PROTECTION LEGISLATION, INCLUDING DIRECTIVE 93/13/EEC ON UNFAIR TERMS IN CONSUMER CONTRACTS AND ITS NATIONAL IMPLEMENTATIONS. ANY MANDATORY STATUTORY RIGHTS YOU MAY HAVE AS A CONSUMER ARE NOT AFFECTED BY THESE TERMS.

7. TIME LIMITATION ON CLAIMS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE MUST BE FILED WITHIN ONE (1) YEAR AFTER THE CLAIM OR CAUSE OF ACTION AROSE, OR THE CLAIM SHALL BE PERMANENTLY BARRED. THIS LIMITATION SHALL APPLY REGARDLESS OF WHETHER THE CLAIM OR CAUSE OF ACTION SOUNDS IN CONTRACT, TORT, OR OTHERWISE.

You agree to indemnify, defend, and hold harmless SCD Global OÜ and all Company Parties (as defined in the Limitation of Liability section) from and against any and all Losses arising out of, related to, or in connection with:

• Your access to or use of the Platform or Service, or your inability to access or use the Platform or Service;
• Your violation or breach of these Terms, any applicable policy, or any representation, warranty, or covenant made by you herein;
• Your violation of any applicable law, regulation, directive, order, or third-party right, including without limitation Intellectual Property Rights, privacy rights, publicity rights, contractual rights, and consumer protection laws;
• Your reliance on, or use of, any Content, AI Output, market data, analysis, briefing, report, or other information obtained through the Platform for any purpose, including without limitation financial, investment, trading, business, political, security, or personal decisions;
• Any User Content, data, queries, or information you submit to, transmit through, or input into the Platform;
• Any claim by a third party arising from or related to your use of the Service, including without limitation claims that your use of AI Outputs infringes third-party rights;
• Your failure to comply with the Acceptable Use policy;
• Any misrepresentation made by you regarding your identity, authority, age, or organizational affiliation;
• Any tax liability, penalty, or assessment arising from your failure to properly report or pay taxes associated with your use of the Service.

The Company reserves the right, at its sole discretion and at your expense, to assume the exclusive defense and control of any matter for which you are required to provide indemnification hereunder, and you agree to cooperate fully with the Company's defense of such claims. You shall not settle any claim subject to indemnification without the Company's prior written consent. The Company shall make reasonable efforts to notify you of any claim subject to indemnification upon becoming aware of it; however, failure to provide timely notice shall not relieve you of your indemnification obligations except to the extent that such failure materially prejudices your ability to defend the claim.

This indemnification obligation shall survive the termination or expiration of these Terms and the closure of your account. Your indemnification obligations are independent of, and in addition to, any limitation of liability set forth in these Terms.

The Service is provided on a "best effort" basis without any service level agreement (SLA), uptime guarantee, performance commitment, or availability warranty of any kind. The Company makes no representation or warranty regarding the continuous, uninterrupted, timely, secure, or error-free operation of the Platform.

The Company reserves the right to, at any time and without prior notice or liability:

• Suspend, modify, degrade, or permanently discontinue any part or all of the Service, including individual features, APIs, endpoints, data feeds, AI capabilities, or integrations;
• Perform scheduled maintenance, emergency maintenance, infrastructure upgrades, security patches, or other system operations that may result in temporary or extended downtime or degraded performance;
• Limit, restrict, throttle, or temporarily disable access to certain features, APIs, functionality, or content;
• Impose, modify, or enforce usage limits, rate limits, bandwidth restrictions, storage quotas, or API call quotas as deemed necessary for the stability, security, or fair operation of the Platform;
• Migrate, relocate, or change the infrastructure, hosting providers, or geographic regions in which the Platform operates;
• Deprecate or sunset features, APIs, or integrations with reasonable notice where practicable, but without any obligation to provide such notice.

The Company shall NOT be liable for any interruption, suspension, modification, degradation, or discontinuation of the Service, whether temporary or permanent, scheduled or unscheduled, and regardless of the cause, including but not limited to: infrastructure failures, third-party service provider outages (including OpenAI, Perplexity AI, Stripe, Finnhub, Alpaca Markets, or any other provider), network disruptions, DNS failures, DDoS attacks, security incidents, regulatory requirements, or Force Majeure Events.

The Platform depends on numerous Third-Party Services for core functionality, including AI model providers, market data providers, payment processors, and email delivery services. The availability, performance, accuracy, and reliability of the Platform are directly dependent on the availability and performance of these Third-Party Services, which are beyond the Company's control. The Company shall not be liable for any degradation, interruption, or failure of the Service attributable to Third-Party Service disruptions.

The Company may, at its sole discretion, provide status updates regarding known service disruptions through the Platform, email notifications, or social media channels, but has no obligation to do so and shall not be liable for failure to provide status updates.

The Company reserves the right to modify, amend, supplement, restate, or replace these Terms, in whole or in part, at any time and at its sole and absolute discretion, without the need for individual negotiation or consent. Modifications may include, without limitation, changes to pricing, features, Credit allocations, plan structures, acceptable use policies, liability provisions, and any other terms and conditions.

Modifications become effective immediately upon publication of the revised Terms on the Platform, unless a later effective date is specified in the modification notice. The Company will indicate the "Last Updated" date at the top of these Terms to reflect the date of the most recent revision.

For modifications that the Company, in its sole discretion, determines to be "material" — meaning changes that substantially affect the User's rights, obligations, or financial commitments — the Company shall make commercially reasonable efforts to provide advance notice of at least fifteen (15) calendar days through one or more of the following methods: (a) email notification to the address associated with the User's account; (b) a prominent banner or notification within the Platform; or (c) a message displayed upon login. The determination of whether a modification is "material" shall be made by the Company in its sole discretion and shall not be subject to dispute.

Your continued access to or use of the Service after the effective date of any modification to these Terms constitutes your irrevocable, binding acceptance of the modified Terms in their entirety. If you do not agree to any modification, your sole and exclusive remedy is to discontinue all use of the Service and, if applicable, cancel your subscription before the modified Terms take effect. No refund shall be issued for the remaining portion of any pre-paid Billing Cycle.

It is your sole responsibility to review these Terms periodically for changes. The Company's failure to enforce any provision of these Terms shall not constitute a waiver of that provision or of the Company's right to enforce it in the future.

Previous versions of these Terms are available upon written request to [email protected], subject to the Company's reasonable discretion as to the format and availability of archived versions.

Either party may terminate the User's access to the Service in accordance with the provisions of this section.

Termination by the Company for Cause. The Company may immediately terminate or suspend your access to the Service, without prior notice or liability, upon the occurrence of any of the following:

• Material or repeated violation of these Terms, the Acceptable Use policy, or any applicable Company policy;
• Fraudulent, abusive, deceptive, or illegal activity, or reasonable suspicion thereof;
• Non-payment, repeated payment failures, or fraudulent chargebacks;
• Conduct that the Company reasonably believes poses a risk to the security, integrity, or availability of the Platform;
• Provision of false, inaccurate, or misleading registration information;
• Use of the Platform in violation of applicable export control or sanctions regulations;
• At the direction of a competent court, regulatory authority, or law enforcement agency.

Termination by the Company for Convenience. The Company may terminate your access to the Service for any reason or for no reason upon thirty (30) calendar days' advance written notice to the email address associated with your account.

Termination by the User. You may terminate your account at any time by cancelling your subscription through the account settings page and ceasing all use of the Platform. Cancellation of a paid subscription takes effect at the end of the then-current Billing Cycle.

Effects of Termination. Upon termination of your account for any reason:

• All rights, licenses, and access granted to you under these Terms shall cease immediately and irrevocably;
• You must immediately cease all use of the Platform and delete any cached or stored Content obtained through the Platform;
• No refund of any kind shall be issued for unused Credits, remaining subscription periods, pre-paid fees, or any other amounts, except as may be required by mandatory applicable consumer protection law;
• The Company shall have no obligation to maintain, export, or make available any data associated with your account;
• The Company may, at its sole discretion, retain your account data for up to thirty (30) days following termination to facilitate account recovery requests, after which the Company may permanently delete all data associated with your account;
• Notwithstanding the foregoing, the Company shall retain such data as is necessary to comply with legal obligations, resolve disputes, and enforce these Terms, in accordance with the data retention periods specified in the Privacy Policy.

Surviving Provisions. The following sections of these Terms shall survive any termination or expiration of these Terms and shall continue in full force and effect: Definitions, Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Governing Law and Jurisdiction, Severability, Entire Agreement, Force Majeure, and any other provisions that by their nature are intended to survive termination.

These Terms, and any non-contractual obligations arising out of or in connection with them, shall be governed by and construed in accordance with the substantive laws of the Republic of Estonia, without regard to its conflict of law principles or rules that would result in the application of the laws of any other jurisdiction.

Any dispute, controversy, claim, or cause of action arising out of, relating to, or in connection with these Terms, including their existence, validity, interpretation, performance, breach, or termination, or any non-contractual obligation arising out of or in connection with them ("Dispute"), shall be submitted to the exclusive jurisdiction of the Harju County Court (Harju Maakohus) in Tallinn, Republic of Estonia, as the court of first instance. You irrevocably and unconditionally: (a) submit to the exclusive jurisdiction of said courts; (b) waive any objection to the laying of venue in said courts; (c) waive any claim of inconvenient forum (forum non conveniens) with respect to said courts; and (d) consent to service of process by any means permitted by Estonian law.

Notwithstanding the foregoing, the Company retains the right to seek interim, injunctive, or other equitable relief in any court of competent jurisdiction to protect its Intellectual Property Rights, Confidential Information, or to prevent imminent irreparable harm, without the need to post a bond or prove actual damages.

For Disputes involving Users who are consumers within the meaning of Regulation (EU) No 1215/2012 (Brussels I bis Regulation), the jurisdiction provisions of this section shall be subject to the mandatory jurisdiction rules of said Regulation, including the consumer's right to bring proceedings in the courts of their domicile. Nothing in this section shall deprive a consumer of the protection afforded by the mandatory provisions of the law of the consumer's country of habitual residence that cannot be derogated from by agreement.

The application of the United Nations Convention on Contracts for the International Sale of Goods (CISG) is expressly excluded.

To the maximum extent permitted by applicable law, you agree to waive any right to participate in a class action, collective action, representative action, or consolidated arbitration against the Company. Each User must bring claims against the Company exclusively in their individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

If any provision, clause, or sub-clause of these Terms is found by a court of competent jurisdiction to be invalid, illegal, void, or unenforceable under applicable law, such finding shall not affect the validity, legality, or enforceability of the remaining provisions of these Terms, which shall continue in full force and effect as if the invalid, illegal, or unenforceable provision had never been included.

The invalid or unenforceable provision shall be reformed, modified, or interpreted to the minimum extent necessary to make it valid, legal, and enforceable while preserving the original intent and economic effect of the provision to the greatest extent possible (the "blue-pencil" doctrine). If such reformation is not possible, the invalid or unenforceable provision shall be deemed severed from these Terms and the remaining provisions shall be interpreted and construed so as to give effect to the parties' original intent to the maximum extent permitted by law.

The parties agree that any court applying this severability provision should endeavor to give effect to the parties' intentions as reflected in the provision, and the remaining provisions of these Terms shall remain in full force and effect.

These Terms of Service, together with the Privacy Policy and any other policies, guidelines, or supplemental terms published by the Company on the Platform and expressly incorporated by reference herein, constitute the entire agreement between you and SCD Global OÜ with respect to your access to and use of the Service, and supersede all prior and contemporaneous agreements, proposals, negotiations, communications, representations, warranties, and understandings, whether oral or written, between you and the Company regarding the subject matter hereof.

In the event of a conflict between these Terms and any other policy or guideline published on the Platform, these Terms shall control unless the conflicting provision expressly states that it overrides these Terms.

No amendment, modification, supplement, or waiver of these Terms shall be binding upon the Company unless made in writing in accordance with the Modifications to Terms section hereof. No oral agreement, representation, warranty, or statement made by any employee, agent, or representative of the Company shall modify or amend these Terms or create any binding obligation on the Company.

The failure of the Company to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms shall be effective only if made in writing and shall not be construed as a continuing waiver or a waiver of any other right or provision.

You may not assign, transfer, delegate, or sublicense any of your rights or obligations under these Terms without the prior written consent of the Company. The Company may freely assign, transfer, or delegate its rights and obligations under these Terms, in whole or in part, to any third party without notice to or consent from the User, including in connection with a merger, acquisition, corporate restructuring, or sale of all or substantially all of the Company's assets.

These Terms do not and are not intended to create any agency, partnership, joint venture, employer-employee, or franchisor-franchisee relationship between you and the Company. Nothing in these Terms shall be construed to create any rights or obligations in favor of any third party. There are no third-party beneficiaries to these Terms.

All notices required or permitted under these Terms shall be in writing and shall be deemed delivered: (a) when personally delivered; (b) when sent by confirmed email (to [email protected] for the Company, or to the email address associated with the User's account for the User); or (c) three (3) business days after being sent by internationally recognized overnight courier to the party's registered address. The Company may also provide notices through in-Platform notifications or banners.

The section headings in these Terms are for convenience of reference only and shall not affect the interpretation or construction of these Terms.

The Company shall not be liable for, and shall be excused from, any failure or delay in the performance of any obligation under these Terms (other than payment obligations) to the extent that such failure or delay is caused by, results from, or is attributable to a Force Majeure Event, as defined below.

A "Force Majeure Event" means any event, circumstance, or cause beyond the Company's reasonable control, including but not limited to:

• Natural disasters, acts of God, floods, earthquakes, tsunamis, volcanic eruptions, wildfires, hurricanes, typhoons, tornadoes, or other severe weather or geological events;
• War (whether declared or undeclared), armed conflict, military action, terrorism, insurrection, revolution, civil unrest, riots, or blockades;
• Epidemics, pandemics, quarantines, or public health emergencies declared by a national government or the World Health Organization;
• Government actions, orders, decrees, legislation, regulations, sanctions, embargoes, trade restrictions, import/export controls, or regulatory changes;
• Internet backbone failures, telecommunications infrastructure failures, submarine cable damage, BGP routing disruptions, DNS infrastructure failures, or widespread network outages;
• Third-party service provider outages, failures, or degradations (including, without limitation, outages of cloud infrastructure providers, AI model providers, payment processors, market data providers, and email delivery services);
• Power failures, electrical grid failures, or energy supply disruptions;
• Cyberattacks, distributed denial-of-service (DDoS) attacks, ransomware attacks, advanced persistent threats (APTs), zero-day exploits, or other security incidents;
• Labor disputes, strikes, lockouts, or work stoppages;
• Failure or disruption of satellite communications or global positioning systems;
• Supply chain disruptions affecting critical hardware or software components.

Upon the occurrence of a Force Majeure Event, the Company shall: (a) use commercially reasonable efforts to mitigate the impact of the event on the Service; (b) provide notice to affected Users through available communication channels as soon as reasonably practicable; and (c) resume performance of its obligations as soon as reasonably practicable after the cessation of the Force Majeure Event.

During any Force Majeure Event, the Company's affected obligations shall be suspended for the duration of the event without liability, penalty, or breach of contract. The suspension of obligations shall be of no greater scope and of no longer duration than is required by the Force Majeure Event.

If a Force Majeure Event continues for a period exceeding ninety (90) consecutive calendar days, either party may terminate these Terms upon thirty (30) days' written notice to the other party, without liability for such termination. In such case, the Company shall issue a pro-rata refund for the unused portion of any pre-paid subscription period to the extent required by applicable law.

For questions, concerns, legal notices, or formal communications regarding these Terms of Service, the Service, or any matter related to your relationship with the Company, please contact:

SCD Global OÜ Registry code: 17309316 VAT: EE102893128 Registered address: Sepapaja tn 6, 15551 Tallinn, Harju maakond, Republic of Estonia

General inquiries and support: [email protected] Data protection inquiries: [email protected] Legal notices: [email protected] (Attn: Legal Department)

The Company shall make commercially reasonable efforts to respond to inquiries within five (5) business days of receipt. Response times may vary depending on the complexity and nature of the inquiry. For data protection requests (GDPR rights), the Company shall respond within thirty (30) days as required by Article 12(3) GDPR.

For complaints regarding the Service that remain unresolved after contacting the Company, EU consumers may refer to the European Commission's Online Dispute Resolution (ODR) platform at https://ec.europa.eu/consumers/odr/.