Terms of Service

1. Nature of the Service

AI Investing is an informational and analytical service. The Service provides market data, news aggregation, screening and analytical context, and AI-generated summaries across stocks, ETFs, cryptocurrencies, foreign exchange and commodities.

A2GROUP LLC is not a broker-dealer, is not a registered investment adviser, and is not a bank, money transmitter or custodian. We are not registered in any of those capacities, and nothing in the Service creates a fiduciary, advisory or agency relationship between you and us. By using the Service you agree that you are not entering into an advisory or fiduciary relationship with us.

Nothing the Service produces is a personalized investment recommendation. Output is general in nature, is not tailored to your financial situation, objectives, tax position or risk tolerance, and is provided for information and analysis only. The Service does not evaluate whether any security, strategy, asset, portfolio allocation or transaction is suitable for you, and it is not connected to any trading system or brokerage execution service. You are solely responsible for your own investment decisions, and you should consider consulting a qualified, licensed professional before making them.

We do not warrant that the Service complies with the rules of the Financial Industry Regulatory Authority, the U.S. Securities and Exchange Commission, the Comisión Nacional del Mercado de Valores, or any other regulator or self-regulatory organisation in any jurisdiction, and neither we nor our licensors are to be considered an "expert" under the U.S. Securities Act of 1933.

All investing involves risk, including the possible loss of the amount invested. Past performance does not guarantee or indicate future results. Any figure described as backtested, simulated or hypothetical is developed with the benefit of hindsight, does not reflect an actual portfolio or actual trading, and has inherent limitations.

2. No Financial Advice

AI Investing does not provide financial, investment, legal, or tax advice.

All information provided through the Service is for informational and analytical purposes only. Nothing within the Service should be interpreted as:

• Personalized investment advice
• A recommendation to buy or sell any security
• A guarantee of performance or outcome

You remain solely responsible for all investment decisions and actions.

3. No Execution, No Custody, No Discretionary Authority

Whatever data the Service displays, and whether or not you have connected an external account, A2GROUP LLC:

• does not place, route, transmit, modify or cancel orders, and the Service contains no order-placement path;
• does not hold, custody or control your cash, securities, crypto-assets or any other property — your assets remain with your broker, exchange or custodian at all times;
• does not exercise discretionary authority or discretionary control over any account;
• does not accept, hold or transfer funds on your behalf, and does not provide money transmission or payment services other than collecting subscription fees for the Service itself;
• does not manage portfolios on your behalf, and does not act as a broker, dealer, or investment adviser.

Portfolio, watchlist and allocation features are analytical tools for organizing and interpreting market data. Where those features display holdings retrieved from an account you have connected, they are a read-only reflection of data supplied by a third-party aggregator and are not an account, statement or record maintained by us. Your broker's or exchange's own records are the record of your holdings and govern in the event of any difference.

3A. Optional Brokerage and Exchange Connections

3A.1 What the feature is. The Service offers an optional feature that lets you link an account you hold at a supported brokerage or crypto exchange so that your positions, balances and transaction history can be displayed and analyzed inside the Service. Using the feature is entirely optional; the Service is fully usable without it.

3A.2 Who performs the connection.The connection is performed by a third-party account-aggregation provider, SnapTrade, and not by us. When you start a connection, you are taken to SnapTrade's own connection flow and you authorize the connection directly with SnapTrade and with your broker or exchange. Your use of that flow is governed by SnapTrade's terms and privacy policy in addition to these Terms.

3A.3 Read-only. Our software requests a read-only connection: our code sets the connection type to read access and the Service provides no order-placement path. Read-only means viewing and analysis only. We do not place trades, move money, or change anything in your account.

3A.4 Credentials.We do not ask for, receive, or store your brokerage or exchange username, password, PIN, or multi-factor authentication codes. Those are handled in the provider's flow. What we store is a per-user access secret issued to us by the provider, encrypted at rest on our servers, together with the account data described in our Privacy Policy.

3A.5 Revoking the connection.You may disconnect at any time from within the app: you can remove a single linked broker, or remove the connection entirely. If our provider is temporarily unavailable, disconnection may not complete immediately; we retry and the connection is removed once it succeeds. Removing a single linked broker instructs the provider to delete that broker authorization; removing the connection entirely instructs the provider to delete the provider user record we hold for you. Either way we delete the associated accounts, positions, transaction history and value history that we hold for it. You may also revoke the Service's access from your broker's or exchange's own security settings, where your broker offers that control. Deleting your account also removes any connection and the data synced through it.

3A.6 You direct the connection. When we retrieve information from your institution, we do so at your request, with your permission and on your behalf — not as an agent of, or on behalf of, the institution. The Service is not sponsored, endorsed or reviewed by any brokerage, exchange or other institution.

3A.7 We may change or discontinue the feature. An institution may be added to or removed from the list of supported institutions at any time, and we may add, change, suspend or discontinue the connection feature or any individual integration at any time, without liability. Information is generally more current and more accurate when obtained directly from your institution than when displayed here.

3A.8 What we do commit to. We will: request no more than read access; take commercially reasonable steps to keep connections working and to refresh data on a regular schedule; show you, where we can, when data was last successfully refreshed; let you disconnect any institution at any time from inside the app; and delete the retrieved data on disconnection or account deletion, as described in our Privacy Policy. These are commitments about how we operate — they are not a promise that any connection or data set will be available, current, complete or correct.

3A.9 Third-party names. Brokerage and exchange names are the trademarks of their respective owners and are used only to identify services with which the Service is compatible. Their use does not imply any affiliation, endorsement, sponsorship or partnership. Supported connections are listed as of the date shown and are subject to change.

4. User Eligibility

You must be at least 18 years old to use the Service.

By using AI Investing, you represent that you are legally permitted to do so under applicable laws.

5. Acceptable Use

You may use the Service only for your own lawful, personal, non-commercial informational and research purposes, and only through the interfaces we provide. You understand that market data may be delayed, incomplete, or subject to change. You will not, and will not permit, assist or encourage anyone else to:

1. use the Service in violation of any applicable law or regulation, including securities, market-abuse, sanctions, export-control, tax, anti-money-laundering and data-protection law;
2. use any robot, spider, crawler, scraper, harvester, headless browser, script, or other automated or manual device or process to access, retrieve, index, data-mine, monitor, copy or reproduce the Service or any part of its content, except through an interface we expressly authorise in writing and within any limits we set;
3. use the Service, its content, Market Data, AI Output, prompts, responses, embeddings, model behaviour, or any observation of them, to train, fine-tune, evaluate, benchmark, distil, ground, retrieval-augment or otherwise develop any machine-learning or artificial-intelligence model, dataset, agent or system, whether or not it competes with us, and whether directly or by supplying any of the foregoing to a third party for that purpose;
4. sell, resell, rent, lease, sublicense, syndicate, redistribute, republish, broadcast, publicly display, or otherwise make the Service, Market Data or AI Output available to any third party, or use them to provide a service to a third party;
5. use Market Data or AI Output to create any index, benchmark, rating, signal, model, trading system, financial or investment product, or any service that competes with the Service; or in connection with your professional activities as a broker, dealer, investment adviser, fund, family office or other financial intermediary;
6. share, transfer, sell or make available your account, credentials, licence, session or subscription to any other person; each subscription is for one named individual and may not be used by more than one person, and we may terminate accounts showing use inconsistent with a single individual;
7. circumvent, disable, degrade or interfere with any usage limit, rate limit, quota, paywall, entitlement check, licence check, plan tiering, geographic restriction, security feature or access control, or access any feature or tier you have not paid for; or use multiple accounts, trials or identities to obtain benefits you are not entitled to;
8. reverse engineer, decompile, disassemble, decrypt, or attempt to derive the source code, model weights, prompts, system instructions, trade secrets, or underlying ideas or algorithms of any part of the Service, except and only to the extent that restriction is prohibited by applicable law and, in the European Union, only after you have requested the necessary interoperability information from us and we have failed to supply it (Directive 2009/24/EC, Article 6);
9. attempt to extract, elicit or reproduce our system prompts, agent instructions, tool definitions or internal configuration, or to induce the Service to bypass its own safeguards;
10. probe, scan or test the vulnerability of the Service, or breach or circumvent any security or authentication measure, other than under a written authorisation from us; good-faith security research may be reported to contact@a2group.llc;
11. upload or transmit malware, or interfere with, overload or impair the Service or the infrastructure serving it;
12. remove, obscure or alter any proprietary notice, attribution, watermark or disclaimer;
13. use the Service to harass, defame, defraud, impersonate or harm any person;
14. rely on the Service to buy or sell any security, digital asset, commodity or derivative, or to give or receive advice about securities, commodities, derivatives, taxes or financial planning — we are not a broker-dealer and not a registered investment adviser, we do not execute orders, we do not hold custody of any asset, and we do not move money;
15. submit to the Service any material non-public information about any issuer, any third party's confidential or proprietary information, payment card numbers, government identification numbers, health or biometric data, or authentication credentials.

We may impose, vary and enforce rate limits, quotas, fair-use limits and technical restrictions at any time, and may throttle, block or suspend access that exceeds them or that we reasonably believe is automated, shared or abusive. Item 8 is stated at the maximum extent applicable law allows and is limited accordingly where it is not.

6. Subscriptions, Automatic Renewal, Cancellation and Refunds

6.1 What you are buying. Certain features of the Service require a paid subscription. AI Investing is sold as a monthly subscription at US$9.99 per month (or the equivalent in your local currency, as shown by the store before you buy), and may be offered with a 7-day free trial. Before you subscribe we show you the plan name, what it includes, the subscription period, the full price that will be charged at each renewal, and — where a free trial applies — the length of the trial and the price that will be charged when it ends. You must affirmatively agree to those terms before the store charges you.

6.2 Automatic renewal. Your subscription renews automatically each month, at the then-current price, and continues until you cancel. You authorize the app store you purchased through to charge your payment method on a recurring basis until you cancel. Cancellation takes effect at the end of the period you have already paid for; you keep access until then.

6.3 Free trial. Where a 7-day free trial is offered, the subscription converts to a paid subscription automatically at the end of the trial, at the price disclosed when you signed up, unless you cancel before the trial ends. You can cancel at any point during the trial without being charged, using the method in 6.4.

6.4 Who bills you, and how to cancel. AI Investing subscriptions are sold through the Apple App Store and Google Play, using RevenueCat to manage entitlements. The store — not A2GROUP LLC — is the merchant of record: it processes payment, manages renewal, applies price changes, and handles all cancellations and refunds, under that store's own terms and policies.

You cancel in the store account you bought through, not by contacting us:

• Apple: Settings → your name → Subscriptions → AI Investing → Cancel Subscription.
• Google Play: Play Store → Payments & subscriptions → Subscriptions → AI Investing → Cancel subscription.

We cannot cancel, refund or modify a store-billed subscription. Deleting the app does not cancel a subscription, and neither does deleting your AI Investing account. If you have trouble cancelling, contact us at contact@a2group.llc and we will point you to the right place, but the cancellation itself has to be made in your store account.

6.5 Purchases through the Apple App Store. Where you purchased or subscribed through the Apple App Store, your purchase contract is with Apple, which is the seller and merchant of record — not with A2GROUP LLC. Your purchase is governed by the Apple Media Services Terms and Conditions and by Apple's own billing, renewal, cancellation and refund rules. Your subscription renews automatically unless you turn off auto-renew at least 24 hours before the end of the current period, and your Apple ID is charged for renewal within 24 hours before the period ends. To cancel, open Settings → [your name] → Subscriptions on your device, or visit apps.apple.com/account/subscriptions. Cancelling stops future renewals; access continues to the end of the period already paid for. Any unused part of a free trial is forfeited when you purchase a subscription, where Apple's terms so provide. Refunds for App Store purchases are decided by Apple in its sole discretion. A2GROUP LLC has no technical or contractual ability to issue, refuse, reverse or condition an Apple refund, and does not process them. Requests must be made to Apple at reportaproblem.apple.com. We will tell you where to make a request if you ask, but we cannot make it for you and cannot influence the outcome.

6.6 Purchases through Google Play. Where you purchased or subscribed through Google Play, the sale is transacted by Google and is governed by the Google Play Terms of Service and Google Payments terms. Your subscription renews automatically until you cancel. To cancel, open the Play Store → profile icon → Payments & subscriptions → Subscriptions, or visit play.google.com/store/account/subscriptions. Cancelling stops future renewals; access continues to the end of the period already paid for. Refunds for Google Play purchases are decided by Google. A2GROUP LLC does not process them and cannot grant, refuse, reverse or condition them. Requests must be made to Google through the Play Store or at Google's refund help page. Where Google's rules allow a developer to pass a request to Google on your behalf, we may do so; the decision remains Google's alone.

6.7 Refunds — what we do not offer. Except as required by a mandatory legal right that applies to you, and subject always to the store rules in 6.5 and 6.6, all payments are non-refundable and no credit is given. Without limiting that: we do not give refunds or credits for any unused part of a period; we do not give pro-rata refunds on cancellation; we do not give credits for periods in which you did not use the Service; we do not refund on grounds of dissatisfaction, change of mind, or having subscribed by mistake or in duplicate; we do not give retroactive credits after a price reduction or promotion; and we do not give refunds or credits for downgrading a plan. Because the Apple App Store and Google Play are the merchants of record for every AI Investing subscription, we have no ability to grant, deny, reverse or condition a refund on those channels, and nothing in these Terms should be read as a claim that we do.

6.8 Subscriptions are personal. Your subscription and your account are personal to you and are for one named individual. They may not be sold, assigned, transferred, gifted, shared or resold.

6.9 Consumers in the European Union, the EEA and the United Kingdom. If you are a consumer habitually resident in the EU, the EEA or the UK, you have a statutory right to withdraw from a distance contract within 14 days, without giving any reason. Because every AI Investing subscription is sold by the Apple App Store or Google Play as merchant of record, and the trial and the paid subscription form a single contract concluded when you start the trial, that right is exercised through the store you purchased from, under the store's own process — Apple and Google each operate a 14-day withdrawal process for consumers in those territories. We are not the seller on that contract and cannot process the withdrawal for you. Beyond that statutory period and the store's own policies, we do not offer any additional withdrawal, cooling-off, money-back, satisfaction or refund period. This paragraph does not affect your other statutory rights, including your conformity rights under Directive (EU) 2019/770, the Consumer Rights Act 2015 and Real Decreto Legislativo 1/2007.

6.10 Apple as third-party beneficiary. If you use the iOS or iPadOS application, Apple is not a party to these Terms, is not responsible for the Service or its content, and has no obligation to furnish maintenance or support. Apple Inc. and its subsidiaries are third-party beneficiaries of these Terms as they apply to your use of that application and have the right to enforce them against you.You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. Government list of prohibited or restricted parties.

6.11 Taxes. Prices may exclude applicable taxes, which will be added where required.

6.12 Payment disputes. If you believe a charge is wrong, contact the store that billed you, and you may also contact us at contact@a2group.llc. Nothing in these Terms limits any right you have to dispute a charge with your bank, card issuer or store, and nothing in the Dispute Resolution section, including the class-action waiver, prevents you from doing so. We may suspend or terminate access where a payment is reversed, charged back or disputed, or where a payment fails, and any amount already accrued remains payable.

7. Intellectual Property; Your Licence

The Service — including all software, source and object code, models, prompts, agent configurations, tool definitions, data pipelines, databases, screens, layouts, designs, text, graphics, charts, methodologies, analytics, AI Output, documentation, and the A2GROUP and AI Investing names and logos — is owned by A2GROUP LLC or its licensors and is protected by copyright, trademark, trade-secret, database and other laws. All rights not expressly granted are reserved. No licence is granted by implication, estoppel or otherwise.

Subject to your compliance with these Terms and payment of applicable fees, we grant you a personal, limited, revocable, non-exclusive, non-transferable, non-assignable, non-sublicensable licence, for one named individual only, to access and use the Service and to view AI Output and Market Data, solely for your own personal, non-commercial informational and research purposes, for as long as your subscription is active. This licence terminates automatically on expiry or termination of your subscription or of these Terms. You may not copy, modify, distribute, or exploit any part of the Service without prior written permission.

7A. Feedback

If you send us any feedback, suggestion, idea, improvement, feature request, bug report, review, or other material about the Service ("Feedback"), you assign to us all right, title and interest in and to that Feedback, including all intellectual-property rights, and you waive any moral rights in it to the extent permitted by law. To the extent that assignment is ineffective for any reason, you grant us a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, transferable, sublicensable licence to use, copy, modify, adapt, publish, distribute, disclose and otherwise exploit the Feedback for any purpose, commercial or otherwise, without restriction, attribution, accounting or compensation to you. Feedback is not confidential, we are under no obligation to keep it confidential, act on it or respond to it, and you have no claim arising from our use of it or from our independent development of anything similar.

7B. Your Content

You retain ownership of the content you submit — watchlists, holdings you enter, notes, preferences, files, prompts and other materials ("User Content"). You grant us and our service providers a worldwide, non-exclusive, royalty-free, fully paid-up, sublicensable (solely to our service providers and model providers for the purposes below) and transferable licence to host, store, cache, copy, reproduce, process, transmit, transform, display and otherwise use User Content solely to: operate, secure and provide the Service to you; generate AI Output in response to your requests; comply with law; and detect and prevent fraud, abuse and security incidents. This licence ends when you delete the User Content or your account, except for copies retained in routine backups and as required by law, as described in our Privacy Policy.

We do not use User Content to train or fine-tune general-purpose AI models, and we do not permit our model providers to do so.

You represent and warrant that you own or have all rights necessary to submit your User Content and to grant this licence, and that it does not infringe any third-party right or violate any law. We may remove, restrict or refuse any User Content at any time, and we have no obligation to store, back up or return it.

8. Third-Party Data, Providers and Dependencies

8.1 Everything the Service shows depends on third parties. Market data, reference data, news, corporate and regulatory filings, public disclosures, brokerage and exchange data, and AI output are obtained from, generated by, or dependent on third-party providers, exchanges, venues, aggregators and model providers. We are a consumer of those services, not their source.

8.2 No warranty of accuracy, timeliness or continuity. We do not warrant, and expressly disclaim any warranty as to, the accuracy, completeness, correctness, currency, timeliness, sequencing, or fitness for any purpose of any data or output made available through the Service. Data may be delayed, adjusted, restated, incomplete, out of order, or simply wrong at the source, and errors may propagate into anything the Service derives from it, including charts, metrics, analytics and AI-generated text.

8.3 Availability is outside our control.Any provider, exchange, broker or aggregator may change, degrade, rate-limit, suspend, restrict, re-price, or discontinue its service, in whole or in part, at any time and without notice to us. Where that happens, features that depend on it may be delayed, reduced, unavailable or withdrawn. We do not guarantee continuous availability of any data set, feed, integration or feature, and we are not liable for a third party's acts, omissions, outages, errors or discontinuation.

8.4 Connections may break. A brokerage or exchange connection may stop working at any time — for example, because the broker or exchange changes or withdraws access, the aggregator changes or withdraws support for that institution, an authorization expires, or credentials or security settings change on your side. A connection may also stop refreshing without an obvious error. We do not guarantee that a connection will be established, will keep working, or will remain supported.

8.5 You must verify against your broker's records. Holdings, balances, cost basis, transaction history and performance figures displayed in the Service are derived from data supplied by third parties and may be delayed, incomplete, mis-mapped, mis-priced, converted at a different exchange rate, or otherwise different from your account's actual state. The statements, confirmations and account records issued by your broker, exchange or custodian are the records of your account and govern. You must verify against those records before relying on any figure shown in the Service, and you should not use figures shown here for tax, accounting, regulatory or legal purposes.

8.6 Market Data is not developed or endorsed by us. Prices, quotes, fundamentals, estimates, filings, news, calendars, technical indicators and other market information made available through the Service ("Market Data") is obtained from our data vendors, licensors, exchanges and other third-party sources. It is provided "as is" and "as available", it is not developed or endorsed by us, and it is not a recommendation or solicitation. Market Data may be delayed, interrupted, corrected, revised, restated or discontinued without notice, and prices shown may not be the prices at which any transaction could be executed.

8.7 Restrictions on use. Market Data made available through the Service is licensed from third parties. You may use Market Data and AI output only for your own personal, non-commercial informational and research purposes. You may not sell, license, redistribute, resell, republish, transmit, scrape, systematically download, reproduce, create derivative databases from, or otherwise repurpose Market Data or AI output, and you may not use them to create indices, benchmarks, financial or investment products, trading systems, models, or any service that competes with the Service. You may not use Market Data in connection with your professional activities, including any activity as a broker, dealer, investment adviser or other financial intermediary.Your use of Market Data is also subject to the applicable provider's terms, and where we make programmatic access available the same restrictions apply to everything obtained through it.

8A. AI-Generated Output

What it is. Parts of the Service use automated systems, including large language models, to generate text, summaries, explanations, classifications, comparisons, calculations, projections and other output in response to your prompts or to market events ("AI Output"). We use third-party model providers to do this (currently including xAI and OpenAI). The engine is designed to answer from data retrieved from live sources at query time rather than from model recall, which reduces but does not eliminate error.

AI Output can be wrong. AI Output may be inaccurate, incomplete, outdated, misleading, internally inconsistent, speculative or inappropriate for your circumstances. You acknowledge and agree that:

• AI Output may contain factual errors, mathematical errors, market-data errors, interpretation errors, citation errors and unsupported assumptions;
• AI Output may not reflect the most recent information, market conditions, company announcements, analyst updates, corporate actions or regulatory developments, and the same question asked twice may produce different answers;
• AI Output may be similar or identical to output generated for other users, and is not guaranteed to be unique, proprietary, accurate, complete, timely, reliable, suitable or fit for any particular purpose;
• you are responsible for independently verifying any AI Output — including any number, price, date, figure or quotation it contains — before using or relying on it.

To the fullest extent permitted by law, we are not responsible for any action you take, or do not take, based on AI Output. AI Output is not investment, legal, tax or accounting advice, it is not a recommendation to buy or sell anything, it is not a forecast or a promise of any outcome, and it is subject to section 1 above. For anything concerning your own account, verify against your broker's own records before acting. Investing involves risk, including the loss of principal.

Your prompts. You are responsible for the prompts, questions, files, data and other materials you submit ("User Input"). Do not submit confidential or proprietary information belonging to others, payment card numbers, government identification numbers, health or biometric data, authentication credentials, trade secrets, or material non-public information about any issuer. Do not attempt to cause the Service to produce personalised financial advice or specific buy or sell recommendations, and do not use the Service to build or train a competing model or service.

How we handle it. We send User Input to our model providers to generate AI Output. We do not use your conversations to train or fine-tune general-purpose models, and we do not permit our model providers to do so. Retention and deletion of conversation data are described in our Privacy Policy, including deletion when you delete your account.

8B. Availability; Changes to the Service

We do not commit to any service level, uptime percentage, latency, refresh interval, data-delay window, support response time or availability window, and we make no availability commitment of any kind. The Service may be unavailable or degraded for maintenance, upgrades, capacity, security, or reasons outside our control.

We may add, change, improve, degrade, limit, rate-limit, suspend, withdraw or discontinue the Service or any part, feature, integration, data set, market, symbol, exchange, instrument, language, platform, device, operating system, store or third-party connection, at any time, without notice and without liability to you.

Where a change permanently removes a material feature of a paid plan you are then subscribed to, your sole and exclusive remedy is to cancel in your store account, in which case your subscription will not renew and access continues to the end of the period you have already paid for. Except as required by mandatory consumer law, no refund or credit is due from us.

8C. Third-Party Services, Links and Content

The Service displays, links to, embeds or interoperates with content, data, feeds, news, filings, websites, applications, stores and services operated by third parties, including market-data vendors, exchanges, news publishers, AI model providers, payment processors, account-aggregation providers, brokerages, cryptocurrency exchanges and application stores. We do not control, endorse, verify, adopt, sponsor or assume any responsibility for any third-party service or content, or for its accuracy, legality, availability, security, pricing or privacy practices. Your dealings with any third party are solely between you and that third party, your use of any third-party service is governed by that third party's own terms and privacy policy, which you should read, and we are not a party to and not responsible for those dealings. Following a link or enabling an integration is at your own risk. We may add, change, restrict or remove any third-party integration at any time without notice and without liability.

8D. Beta, Preview and Experimental Features

We may make features available on a beta, preview, early-access, pilot, trial or experimental basis, whether or not we label them as such. Those features are provided "AS IS" and "AS AVAILABLE", may be incomplete, unstable, unsupported and inaccurate, may not perform as described, may change materially, and may be limited, suspended or withdrawn at any time without notice and without liability, whether or not they were included in the plan you purchased. We have no obligation to support, maintain, correct, continue or commercialise any such feature, or to preserve any data created in it. No availability, accuracy or continuity commitment applies to them, and to the maximum extent permitted by law we have no liability arising from your use of them. Where a feature is offered subject to additional terms, those additional terms also apply.

9. Disclaimer of Warranties

THE SERVICE, ALL DATA, ALL MARKET DATA AND ALL AI OUTPUT ARE PROVIDED "AS IS", "AS AVAILABLE" AND WITH ALL FAULTS AND DEFECTS, WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, A2GROUP LLC AND ITS LICENSORS, SUPPLIERS AND DATA VENDORS DISCLAIM ALL WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE.

WE DO NOT WARRANT AGAINST LOSS OF, OR DAMAGE TO, ANY DATA, AND YOU ARE RESPONSIBLE FOR MAINTAINING YOUR OWN COPIES OF ANYTHING YOU CONSIDER IMPORTANT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; THAT ANY DATA, HOLDING, PRICE, METRIC OR AI OUTPUT WILL BE ACCURATE, COMPLETE OR CURRENT; THAT ANY BROKERAGE OR EXCHANGE CONNECTION WILL BE ESTABLISHED, MAINTAINED OR CONTINUE TO BE SUPPORTED; OR THAT USE OF THE SERVICE WILL PRODUCE ANY PARTICULAR FINANCIAL RESULT.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM US OR THROUGH THE SERVICE, CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

Nothing in these Terms excludes or limits any right you have under mandatory consumer-protection law that cannot lawfully be excluded or limited.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, A2GROUP LLC AND ITS OFFICERS, MEMBERS, EMPLOYEES, CONTRACTORS AND AGENTS WILL NOT BE LIABLE FOR ANY INVESTMENT OR TRADING LOSS, LOST PROFIT, LOST OPPORTUNITY, OR LOSS OF DATA, GOODWILL OR BUSINESS, OR FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, ARISING OUT OF OR RELATING TO THE SERVICE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR ANY OTHER THEORY, AND WHETHER OR NOT WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, WE ARE NOT LIABLE FOR: (a) DECISIONS YOU MAKE OR DO NOT MAKE BASED ON DATA, ANALYTICS OR AI OUTPUT FROM THE SERVICE; (b) INACCURATE, DELAYED, INCOMPLETE, MIS-MAPPED OR UNAVAILABLE DATA FROM ANY THIRD-PARTY PROVIDER, EXCHANGE, BROKER OR AGGREGATOR; (c) A BROKERAGE OR EXCHANGE CONNECTION THAT FAILS, BREAKS, STOPS REFRESHING, OR IS DISCONTINUED BY THE BROKER, THE EXCHANGE OR THE AGGREGATOR; (d) ANY DIFFERENCE BETWEEN WHAT THE SERVICE DISPLAYS AND YOUR BROKER'S OWN RECORDS; (e) THE ACTS OR OMISSIONS OF ANY THIRD-PARTY PROVIDER, DATA SOURCE, FINANCIAL INSTITUTION OR AGGREGATION PROVIDER; OR (f) ANY UNAUTHORISED ACCESS TO YOUR ACCOUNT THAT DID NOT RESULT FROM OUR FAILURE TO USE REASONABLE CARE.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (a) THE AMOUNTS YOU ACTUALLY PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (b) ONE HUNDRED UNITED STATES DOLLARS (US$100).

THESE LIMITATIONS APPLY EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE, AND ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND US. Your use of the Service is at your own risk.

Nothing in these Terms limits or excludes our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; gross negligence or wilful misconduct; any violation of law, whether wilful or negligent; or any other liability that cannot lawfully be limited or excluded, including any non-waivable rights you have as a consumer under the law of your country or state of residence.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you.

10A. Indemnification

You agree to indemnify, defend and hold harmless A2GROUP LLC and its officers, members, employees, contractors and agents from and against any claim, demand, loss, liability, damage, cost or expense (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) your breach of these Terms; (c) your violation of any law or regulation, including securities laws, or of any third party's rights; (d) any account you connect to the Service, including your authorization of a connection and your compliance with your broker's or exchange's own terms; or (e) any investment decision you make.

We will notify you of any claim for which we seek indemnification, though a failure or delay in notifying you relieves you of your obligations only to the extent you are materially prejudiced by it. We may, at our option and at your expense, assume the exclusive defence and control of any such matter, and you will cooperate fully with that defence. You will not settle any matter in a way that imposes any obligation, admission, payment or restriction on us without our prior written consent. This section survives termination and does not apply to the extent it is unenforceable against you under the mandatory consumer-protection law applicable to you.

11. Termination

(a) By you. You may stop using the Service at any time. To stop being billed, cancel in the store account you purchased through, as described in section 6. Cancellation takes effect at the end of the period you have already paid for; access continues until then. Deleting the application, or deleting your account, does not cancel a subscription.

(b) By us, for cause. We may suspend or terminate your account or access, in whole or in part, immediately and without prior notice, if we reasonably determine that: you have breached these Terms; your use is unlawful, fraudulent, abusive, or creates risk or possible legal exposure for us, for another user or for a third party; you have circumvented usage limits, rate limits, entitlement checks or access controls, or shared or resold access; a payment has failed, been reversed, charged back or disputed; you are or become subject to sanctions or are located in a restricted jurisdiction; or we are required to act by law, by a regulator, by a data or market-data licensor, or by a store or platform operator. Where we terminate for cause, no refund, credit, pro-rata payment or compensation of any kind is due from us for the remainder of the period, except where mandatory consumer law provides otherwise. Where the breach is capable of cure and does not present urgent risk, we will use reasonable efforts to notify you and allow a reasonable opportunity to cure before terminating — we are not required to do so before suspending.

(c) By us, for convenience. We may discontinue the Service or any plan generally. We will not terminate a paid subscription for convenience during a period you have already paid for; instead we will stop the subscription from renewing and your access will continue to the end of that period. Except as required by mandatory consumer law, that is your sole and exclusive remedy and no refund or credit is due from us.

(d) Effect.On termination your licence and right of access end immediately, and we may deactivate or delete your account and content in accordance with our Privacy Policy. The sections listed under "Survival" continue in force. Termination does not relieve you of any payment obligation accrued before termination.

12. Changes to the Service or Terms

We may update these Terms. Each version carries two dates at the top of the page: Effective, the date the current version takes effect, and Last updated, the date it was last changed. Where a change is material — including a change to fees, to the nature of the Service, to how brokerage connections work, to the Dispute Resolution section, to the Governing Law section, or to the limitation of liability — we will give you at least thirty (30) days' advance notice before it takes effect, by email to the address on your account and by an in-app notice, in a form you can retain. Non-material changes, such as corrections and clarifications, take effect when posted, and we will update the "Last updated" date.

Changes take effect on the Effective date shown, and continued use of the Service after that date is acceptance of the updated Terms. If you do not accept a change, stop using the Service and cancel your subscription before the Effective date; see section 6.

Price changes. We may change the price of a subscription for future periods. We will give you at least thirty (30) days' advance notice of the new price and the date it applies. Where the change is an increase, it will not apply to you unless you agree to it or continue after being given a clear opportunity to cancel without the increase applying; if you cancel before the change takes effect, you are not charged the new price.The Apple App Store's and Google Play's own price-change consent processes also apply, and on those channels the store operates the consent flow.

Earlier versions. We keep the superseded versions of these Terms. You can request the version that applied on a particular date by emailing contact@a2group.llc.

13. Dispute Resolution — Please Read Carefully. This Section Affects Your Legal Rights.

THIS SECTION REQUIRES YOU TO CONTACT US FIRST AND TRY TO RESOLVE A DISPUTE INFORMALLY. IT ALSO PROVIDES THAT CLAIMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY, AND WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION AND YOUR RIGHT TO A JURY TRIAL.

13.1 Informal resolution first. Before starting a lawsuit, you and we each agree to send the other a written Notice of Dispute describing the claim and the relief sought — to us at contact@a2group.llc, and to you at the email address on your account — and to try in good faith to resolve it informally for at least thirty (30) days. This step is a condition of starting a proceeding, and the limitations period on your claim is tolled while it runs.

13.2 Small claims, injunctive relief and intellectual property. Nothing here prevents either party from: (a) bringing an individual action in small-claims court for any claim that qualifies; (b) seeking injunctive or other equitable relief in any court of competent jurisdiction, including to stop unauthorised access to or misuse of the Service; or (c) bringing a claim for infringement or misappropriation of intellectual property.

13.3 Class-action and jury waiver. YOU AND A2GROUP LLC EACH AGREE THAT CLAIMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, COORDINATED, MASS OR REPRESENTATIVE PROCEEDING. YOU AND A2GROUP LLC EACH WAIVE ANY RIGHT TO TRIAL BY JURY. If the class-action waiver is held unenforceable as to any claim, that claim proceeds in court without the waiver, and the rest of this section, including the jury waiver, continues to apply to that claim and to all other claims.

13.4 Consumers outside the United States. If you are a consumer habitually resident outside the United States, 13.3 does not apply to you and nothing in these Terms deprives you of the protection of the mandatory consumer-protection rules of the country where you live, or of your right to bring proceedings in, or to be sued in, the courts of that country. Nothing in these Terms affects any legal rights you have as a consumer under local law that cannot be contractually altered or waived.

13.5 Changes. If we change this section, the change does not apply to any dispute for which a Notice of Dispute was already sent, and you may reject the change by written notice to contact@a2group.llc within thirty (30) days.

13A. Time Limit for Bringing Claims

To the maximum extent permitted by applicable law, any claim or cause of action arising out of or relating to the Service or these Terms must be commenced within ONE (1) YEAR after the claim or cause of action accrues, or it is permanently barred. A claim accrues when the claimant knew, or with reasonable diligence should have known, of the acts or omissions giving rise to it. The 30-day informal-resolution period required by section 13.1 tolls this period while it runs.

This section does not apply, and the otherwise applicable statutory period applies instead, to: (a) any claim by a resident of a state whose law prohibits contractual shortening of a limitations period, including Alabama, Florida, Idaho, Louisiana, Mississippi, Missouri, Montana, Oklahoma, South Carolina and South Dakota; (b) any consumer habitually resident outside the United States; (c) any claim that applicable law does not permit to be shortened by agreement; and (d) claims for fraud, or for death or personal injury caused by negligence.

14. Governing Law and Venue

A2GROUP LLC is a limited liability company organised under the laws of the State of Wyoming, with its principal office at 5830 E 2nd St, Ste 7000 #16007, Casper, WY 82609, USA. These Terms and any dispute arising out of or relating to them or to the Service are governed by the laws of the State of Wyoming, United States, without regard to its conflict-of-law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Subject to section 13, any dispute will be brought exclusively in the state or federal courts located in Natrona County, Wyoming, and each party consents to the personal jurisdiction and venue of those courts.

If you use the Service as a consumer habitually resident outside the United States, this section does not deprive you of the protection of any mandatory consumer-protection provisions of the law of the country in which you habitually reside, or of your right to bring proceedings in the courts of that country.

14A. Force Majeure

We will not be liable for, and will not be considered in breach of these Terms because of, any delay, interruption, degradation, failure, loss of data or non-performance caused by circumstances beyond our reasonable control, including: acts of God, fire, flood, earthquake, extreme weather; war, terrorism, sabotage, civil unrest, riot; epidemic or pandemic; strike or labour dispute; failure or unavailability of electricity, internet, telecommunications, DNS, hosting, cloud, CDN or payment infrastructure; cyber-attack, denial-of-service, ransomware or breach caused by a third party; any act, order, embargo, sanction, licence refusal, injunction or regulation of any government, regulator, court, exchange or self-regulatory organisation; and the suspension, degradation, rate-limiting, re-pricing, restriction, withdrawal, insolvency, breach or discontinuation of, or any change of terms by, any third-party provider on which the Service depends, including market-data vendors, exchanges, news sources, AI model providers, application stores, payment processors and the account-aggregation provider through which brokerage and exchange connections are made. If such an event continues for more than sixty (60) consecutive days, either party may terminate the affected subscription on notice, and access will run to the end of the period already paid for.

14B. Assignment

You may not assign, delegate, novate, sublicense or otherwise transfer these Terms, your account, your subscription or any right or obligation under them, in whole or in part, whether voluntarily, by operation of law, by change of control or otherwise, without our prior written consent. Any attempted transfer without that consent is void. Subscriptions are personal to you and are not transferable, resaleable or giftable. We may freely assign, delegate, novate or transfer these Terms and any of our rights and obligations, in whole or in part, without notice to you and without your consent, including to an affiliate, to a successor in interest, or in connection with a merger, acquisition, reorganisation, financing, sale of assets, or sale of all or part of our business. These Terms bind and benefit the parties and their permitted successors and assigns.

14C. Notices; Electronic Communications

Consent to electronic communications. You consent to receive from us electronically all agreements, notices, disclosures, statements, receipts, legal and regulatory communications and other records that we are required to provide to you in writing ("Communications"), and you agree that electronic delivery satisfies any legal requirement that a Communication be in writing, be signed, or be delivered in a durable form. You agree that clicking "I agree", "Subscribe", "Start trial", "Continue" or a similar control constitutes your electronic signature and is legally binding, and you waive any right to require a handwritten signature to the extent permitted by law.

Hardware and software. To receive and retain Communications you need a device with internet access, a current browser or our application, a working email address, and the ability to view and save PDF and HTML files.

How we notify you. We may give notice by: (a) email to the address on your account; (b) an in-application message or banner; (c) a push notification; or (d) posting on the AI Investing website. Notice is deemed given: by email, on the day sent, unless we receive a bounce; by in-application message, when first displayed to you; by posting, on the day posted. You are responsible for keeping your email address accurate and current and for ensuring our messages are not blocked or filtered; notice is effective even if you do not read it, provided we sent it to the address on your account.

How you notify us. Legal notices to us must be sent to contact@a2group.llc and, for any Notice of Dispute or notice of claim, also by post to A2GROUP LLC, 5830 E 2nd St, Ste 7000 #16007, Casper, WY 82609, USA. Notice to us is deemed given on actual receipt.

Withdrawing consent. You may withdraw consent to electronic Communications, or request a paper copy, by writing to the postal address above; because the Service is delivered electronically, withdrawing consent means we may terminate your account and your subscription will not renew. We may charge a reasonable fee for paper copies where permitted by law. This paragraph does not affect service messages required to operate your account while it is open.

14D. Export Control and Sanctions

The Service, and any software and technology we make available, are subject to United States export-control and economic-sanctions laws, including the Export Administration Regulations and the sanctions programs administered by the U.S. Department of the Treasury's Office of Foreign Assets Control ("OFAC"), and may also be subject to the export and sanctions laws of other jurisdictions. You represent and warrant, on each day you use the Service, that: (a) you are not located in, ordinarily resident in, or organised under the laws of, any country or territory subject to comprehensive U.S. sanctions or embargo (currently including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia regions of Ukraine); (b) you are not identified on, and are not owned 50% or more or otherwise controlled by any person identified on, OFAC's Specially Designated Nationals and Blocked Persons List, the Consolidated Sanctions List, the U.S. Commerce Department's Denied Persons, Entity or Unverified Lists, the EU Consolidated Sanctions List, the UK Sanctions List, or any equivalent restricted-party list; and (c) you will not use, export, re-export, transfer or make the Service available in violation of any applicable export-control or sanctions law.

We may suspend or terminate your access immediately and without notice, with no refund due from us, if we determine or reasonably suspect that any of the above is or has become untrue, or that continued provision would expose us to sanctions risk. We may screen accounts and the details available to us against restricted-party lists for this purpose.

14E. U.S. Government End Users

The Service and any accompanying software and documentation are "commercial products", "commercial computer software" and "commercial computer software documentation" as those terms are used in 48 C.F.R. §2.101, FAR 12.212 and DFARS 227.7202. Consistent with FAR 12.212 and DFARS 227.7202-1 through 227.7202-4, any use, duplication, disclosure, modification or transfer by or on behalf of the United States Government is governed solely by these Terms, and all other rights are reserved. No U.S. Government entity acquires any right beyond those granted to other end users, and any term inconsistent with federal law does not apply to that entity.

14F. Miscellaneous

Entire agreement; order of precedence. These Terms, together with our Privacy Policy and any product-, plan- or feature-specific terms we present to you, are the entire agreement between you and A2GROUP LLC about the Service, and supersede all prior or contemporaneous understandings, proposals, marketing statements and representations, written or oral. In the event of conflict, the following order of precedence applies: (1) mandatory law applicable to you as a consumer; (2) the rules of the application store through which you purchased, as to billing, renewal, cancellation and refunds; (3) any product-, plan- or feature-specific terms you accepted; (4) these Terms; (5) the Privacy Policy, which prevails over these Terms on matters of personal-data handling; (6) any other documentation, help content or marketing material, which is informational only and is not contractual. Nothing in this paragraph limits your rights or our liability for fraud or fraudulent misrepresentation.

Severability. If any provision is held invalid, illegal or unenforceable, it will be modified and interpreted to the minimum extent necessary to accomplish its objectives within the limits of applicable law, and if it cannot be so modified it will be severed, and the remaining provisions remain in full force. If the class-action waiver is held unenforceable as to a claim, that claim proceeds in court without it, as set out in section 13.3. Where a provision is unenforceable only as to a particular person, jurisdiction or claim, it remains enforceable as to all others.

No waiver. No failure or delay in exercising any right is a waiver of it, and no single or partial exercise precludes any further exercise. A waiver is effective only if in writing and signed by an authorised representative, and applies only to the specific instance stated.

Headings and interpretation.Headings are for convenience only and do not affect interpretation. "Including" means "including without limitation". These Terms will not be construed against the drafter.

No third-party beneficiaries, except that Apple Inc. and its subsidiaries are third-party beneficiaries as stated in section 6.10, and the persons indemnified under section 10A may enforce that section. The Contracts (Rights of Third Parties) Act 1999 does not apply other than as stated.

Relationship. Nothing creates a partnership, joint venture, agency, franchise, employment or fiduciary relationship.

Language. These Terms are made in English. Any translation is provided for convenience; in the event of conflict the English version governs, except where mandatory law in your country requires otherwise, in which case the version in your language governs to that extent.

14G. Survival

Any provision that by its nature should survive termination or expiry will survive, including, without limitation and by way of illustration only: the nature-of-the-service and no-advice provisions; no execution, no custody and no discretionary authority; the brokerage- and exchange-connection provisions; third-party data, Market Data and AI Output and all restrictions on their use; acceptable use; intellectual property, the licence restrictions, the feedback licence and the user-content representations; any fees accrued or payable before termination, and the refund provisions; the disclaimer of warranties; the limitation of liability; indemnification; export control and sanctions; the contractual limitations period; governing law and venue; dispute resolution and the class-action waiver; notices; and the Miscellaneous section. The enumeration above is illustrative and does not limit the general rule stated in the first sentence.

15. Contact Information

If you have questions about these Terms, contact us at:

Email: contact@a2group.llc

Legal notices and Notice of Dispute: the same address.

Company: A2GROUP LLC, a Wyoming limited liability company

Postal address: 5830 E 2nd St, Ste 7000 #16007, Casper, WY 82609, USA