Privacy Policy

Effective Date: 22/01/2025

CatCapital FZE (“CatCapital”, “we”, “us”, “our”) values your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you use our websites and platform at www.catcapital.de and www.catcapital.ai and related services (collectively, the “Services”).

By using our Services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree, please do not use our Services.

1. Who We Are (Data Controller)

CatCapital FZE is the entity responsible for the processing of your personal data in connection with the Services.

2. Information We Collect

2.1 Information You Provide to Us

We may collect information you provide directly, including:

Identity and contact information: name, email address, phone number.

Account information: username, password (stored in hashed form where applicable), preferences, and subscription selections.

Billing information: billing address and transaction-related details.

Support and communications: information you provide when you contact us, including messages, attachments, and related metadata.

Note: Payment card details are generally processed by our payment provider(s) (e.g., Stripe) and are not stored directly by us except as permitted/necessary for billing administration (e.g., payment method type, last 4 digits, expiration month/year, billing status).

2.2 Information We Collect Automatically

When you use the Services, we may automatically collect:
Log data: IP address, browser type, device type, operating system, referring URL, timestamps, and error logs.
Usage data: pages visited, features used, time spent, clicks, navigation paths, and session information.
Cookies and similar technologies: cookies, pixels, web beacons, and local storage to enable core functionality and for analytics/marketing where applicable.

2.3 Information We Receive from Third Parties

We may receive information about you from third parties such as:
Payment processors (e.g., Stripe) for payment confirmation, subscription status, fraud signals, and chargeback events.
Analytics and security providers to help us understand performance and protect the Services.
Advertising and social media platforms if you interact with our content, ads, or link accounts (where applicable and permitted by your settings).

3. How We Use Your Information

We use personal data to:
Provide, operate, maintain, and secure the Services.
Create and manage accounts and subscriptions.
Process payments, manage invoices/receipts, and prevent fraud/chargebacks.
Communicate with you about account administration, security, service notices, changes, and support.
Provide updates, new features, and (where permitted) promotional offers.
Analyze usage to improve features, performance, and user experience.
Enforce our Terms of Use / Subscription Agreement and prevent abusive or prohibited activity.
Comply with legal obligations and respond to lawful requests.

4. Legal Bases for Processing (EEA/UK and Similar Jurisdictions)

Where required by applicable law (including GDPR/UK GDPR), we rely on one or more of the following legal bases:
Contract: to provide the Services and manage subscriptions (e.g., account setup, billing, support).
Legitimate interests: to secure and improve the Services, prevent fraud/abuse, and understand usage (balanced against your rights).
Consent: for certain cookies/marketing or where otherwise required.
Legal obligation: compliance, recordkeeping, and responding to lawful requests.

5. How We Share Your Information

We may share personal data with:

5.1 Service Providers / Vendors

We use trusted third parties to help us operate the Services, such as:
Payment providers: including Stripe (payment processing, subscriptions, fraud prevention).
Hosting and infrastructure providers
Analytics providers
Customer support tools
Security and monitoring providers
These providers may process personal data under contractual obligations consistent with this Privacy Policy and applicable law.

5.2 Legal and Safety Reasons

We may disclose information if we believe it is necessary to:
comply with applicable law, regulation, legal process, or lawful governmental request;
enforce our agreements and policies;
protect the rights, property, and safety of CatCapital, our users, or the public.

5.3 Business Transfers

If we are involved in a merger, acquisition, restructuring, or sale of assets, personal data may be transferred as part of that transaction, subject to applicable law.

5.4 Advertising Partners (Non-PII)

Where applicable, we may share non-PII or aggregated/hashed identifiers with advertising partners to display relevant ads and measure performance, subject to cookie/consent settings and applicable law.

We do not sell or rent your personal information to third parties.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:
Provide core functionality (authentication, session management, security).
Remember preferences (language, settings).
Analyze and improve performance (traffic, feature usage).
Support marketing/advertising (where enabled and permitted).
You can control cookies through your browser settings and, where offered, our cookie consent tools. Disabling certain cookies may limit the functionality of the Services.

7. Data Retention

We retain personal data for as long as reasonably necessary to:
provide the Services and manage your subscription;
comply with legal obligations (e.g., accounting/tax requirements);
resolve disputes and enforce agreements;
maintain security and prevent fraud/abuse.
When data is no longer needed, we securely delete, anonymize, or de-identify it in accordance with applicable law and our internal policies.

8. Your Rights

Depending on your location and applicable law, you may have rights to:
Access your personal data.
Correct inaccurate or incomplete data.
Delete your data (subject to legal/contractual limits).
Object to certain processing (e.g., marketing, legitimate interests).
Restrict processing in certain circumstances.
Withdraw consent where processing is based on consent.
Request portability of certain data.
Lodge a complaint with a data protection authority.

To exercise rights, contact privacy(at)catcapital.ai. We may request verification to protect your account and personal data.
Marketing opt-out: You can opt out of marketing communications at any time by contacting us.

9. Security

We implement appropriate technical and organizational measures designed to protect personal data against unauthorized access, loss, misuse, alteration, or disclosure. Measures may include:
encryption in transit (e.g., SSL/TLS),
access controls and security monitoring,
secure infrastructure and firewalls,
periodic updates and security practices.
No method of transmission or storage is completely secure. We cannot guarantee absolute security.

10. International Data Transfers

If you access our Services from outside the UAE, your information may be transferred to and processed in the UAE and other countries where we or our service providers operate. Where required by applicable law, we implement appropriate safeguards for cross-border transfers.

11. Third-Party Links and Third-Party Privacy Policies

The Services may contain links to third-party websites or services. We are not responsible for the privacy practices of third parties. We encourage you to review their privacy policies.
Payment provider notice: Payment processing may be handled by third-party providers such as Stripe under their own privacy practices. Please review the applicable provider’s privacy policy to understand their processing.

12. Children’s Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected such data, contact us and we will take appropriate steps to delete it.

13. Automated Decision-Making

We do not use personal data for decisions that produce legal or similarly significant effects solely through automated processing, unless we inform you otherwise and comply with applicable law.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The Effective Date indicates when it was last revised. We encourage you to review this policy periodically. Where required by law, we will provide additional notice of material changes.

15. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, contact us at:

CatCapital FZE
Maktabi, 18th Floor
Sheik Rashid Tower, DWTC
333779 Dubai, UAE

Email: support@catcapital.ai
By using our Services, you acknowledge that you have read and understood this Privacy Policy.

Terms of Use / Subscription Agreement

Effective Date: 09/01/2026

This Subscription Agreement (“Agreement”) governs the relationship between CatCapital FZE (“Provider”, “CatCapital”, “we”, “us”), a company registered under the laws of the United Arab Emirates with its principal office located in the Dubai World Trade Centre Free Zone, and the subscriber (“Customer”, “you”). By subscribing to or using the Provider’s Services, you agree to this Agreement.

1. Definitions

1.1 “Services”

The Provider’s online platform and related services made available by Provider, including (without limitation) websites, applications, features, tools, dashboards, models, AI-assisted functionalities (including Assistant and DeepResearch), APIs (if purchased), and any updates, upgrades, or replacement services.

1.2 “Provider Content”

Any information or materials made available through the Services, including (without limitation) data, datasets, tables, metrics, charts, visualizations, documents, reports, research outputs, text, images, screenshots, templates, and any other content generated, displayed, or downloadable through the Services.

1.3 “AI Outputs”

Any output generated by AI-assisted features of the Services (including Assistant and DeepResearch or similar functionalities), such as summaries, analyses, classifications, extracted information, or other generated text or results.

1.4 “Subscription Fees”

The fees payable for access to the Services, including base subscription fees and any fees for Add-Ons, upgrades, usage-based charges (if any), and applicable taxes.

1.5 “Subscription Period”

The period of time for which Customer subscribes to the Services (e.g., monthly or annual), which renews automatically unless cancelled in accordance with this Agreement.

1.6 “Trial Period”

The 14-day free trial offered to eligible new Customers, subject to cancellation before the trial ends.

1.7 “Add-Ons”

Any additional paid features or functionalities (recurring or one-time) added to a subscription, including (without limitation) real-time market data, API access, or advanced tools/analytics.

1.8 “Customer”

The individual or legal entity that registers for, accesses, or uses the Services, and agrees to be bound by this Agreement. If an individual accepts this Agreement on behalf of an entity, that individual represents they have authority to bind the entity.

1.9 “User”

An individual natural person authorized by Customer to access the Services under a subscription. For avoidance of doubt, each User must be a single, unique natural person and must not be shared among multiple individuals.

1.10 “User Types”

The categories of subscribers as presented by Provider (including Retail Users and Enterprise Users), which may have different pricing, permitted usage, features, or terms.

1.11 “Enterprise Terms”

Any separately negotiated written terms (e.g., order form, statement of work, master services agreement, addendum, or amendment) executed between Provider and an Enterprise User, which control in the event of conflict as set out in Sections 2.9 and 13.4.

1.12 “Account”

A Customer’s registered account and associated credentials used to access the Services.

1.13 “Applicable Law”

All laws, rules, regulations, and binding governmental or regulatory requirements applicable to a party, the Services, or the use of the Services.

1.14 “Business Day”

A day other than a Saturday, Sunday, or public holiday in Dubai, UAE.

2. Subscription and Fees

2.1 Subscription Options

Customer may choose:

• a) Monthly Subscription: billed monthly in advance or
• b) Annual Subscription: billed annually in advance and may include a discounted rate compared to monthly billing.

2.2 Trial Period

Eligible new Customers may receive a 14-day free trial. Unless Customer cancels before the Trial Period ends, the selected paid plan will automatically begin immediately after the Trial Period and the applicable Subscription Fees will be charged.

2.3 Pricing; taxes.

Subscription Fees and available plans are displayed at www.catcapital.ai/checkout/ (or within the Services) and may be updated from time to time in accordance with Section 13. Prices are exclusive of applicable taxes unless stated otherwise. Customer is responsible for all applicable taxes, duties, and similar governmental assessments.

2.3.1 Currency

Unless otherwise stated at checkout, Subscription Fees and Add-On fees are charged in USD or in such other currency as may be presented and processed by the payment processor (including Stripe) based on Customer location, payment method, or Provider settings. Customer is responsible for any foreign exchange fees, bank fees, or card fees charged by Customer’s financial institution.

2.4 Authorization to charge; recurring billing.

By starting a Trial Period and/or purchasing a subscription, Customer authorizes Provider (and its payment processor(s), including Stripe) to charge the payment method on file for: (i) the Subscription Fees and any Add-Ons, (ii) applicable taxes, and (iii) any other amounts due under this Agreement. Subscriptions are billed on a recurring basis until cancelled in accordance with Section 3.

2.5 Auto-renewal Billing

Unless cancelled in accordance with Section 3, the subscription will automatically renew at the end of each Subscription Period and Customer will be charged the then-current Subscription Fees (plus applicable taxes) for the next Subscription Period.

2.6 Add-Ons / Upgrades / Plan Changes

Customer may purchase Add-Ons or upgrade plans for additional fees. Add-Ons may be billed on a recurring or one-time basis as specified at purchase. If Customer upgrades, Provider may charge the applicable fee immediately and/or prorate charges as shown at checkout or within the Services. If Customer downgrades, the downgrade will generally take effect at the next renewal unless otherwise shown at checkout or within the Services. All fees remain subject to Section 6 (No Refund Policy).

2.7 Discounts

Discounts, promotional pricing, or coupon codes (if any) apply only for the stated duration and only if Customer remains eligible. Unless explicitly stated, promotional prices apply only to the initial term and renew at the then-current standard rate.

2.8 Payment failures; collections; fees.

If a payment fails or is reversed, Provider may retry the charge, suspend access, or terminate in accordance with Section 3. Customer is responsible for any chargeback fees, bank fees, collection costs, and reasonable legal fees incurred by Provider in recovering overdue amounts, to the maximum extent permitted by applicable law.

2.9 Enterprise Orders

For Enterprise Users, pricing, payment terms, invoicing, user counts, and any negotiated terms may be set out in an order form, statement of work, or other signed document (“Enterprise Terms”). In case of conflict, the Enterprise Terms control for that Enterprise subscription.

3. Term and Termination

3.1 Term

This Agreement begins when Customer starts a Trial Period or subscribes to a paid plan (whichever occurs first) and continues for the Subscription Period, unless terminated earlier in accordance with this Agreement.

3.2 Auto-renewal

Unless Customer cancels in accordance with Section 3.4, the subscription will automatically renew for successive Subscription Periods of the same length at the then-current rates (plus applicable taxes), until cancelled or terminated.

3.3 Cancellation vs. Termination

“Cancellation” means stopping automatic renewal so that the subscription ends at the end of the then-current Subscription Period. “Termination” means ending this Agreement and access to the Services, which may occur immediately (e.g., for breach). Cancellation does not affect fees already paid or owed.

3.4 How to Cancel

Customer may cancel renewal at any time by:

• a) Online: via the Account section within the Services; or
• b) Email notice: by sending written cancellation to support(at)catcapital.ai from the email address associated with the account.

Provider may request reasonable verification to prevent unauthorized cancellation requests.

3.5 Cancellation Deadline

To avoid renewal charges, Customer must cancel at least 1 day before the end of the current Subscription Period. If Customer cancels, access remains active until the end of the then-current Subscription Period, unless access is suspended or terminated earlier for cause. No prorated refunds or credits apply (see Section 6).

3.6 Trial Period Cancellation

If Customer cancels during the Trial Period, no charges will apply. Access will end at the conclusion of the Trial Period (or earlier if the Services provide an immediate cancellation option).

3.7 Suspension or Termination by Provider for Cause

Provider may suspend or terminate access immediately upon notice (or without notice where reasonably necessary) if:

• a) fees are overdue or a payment fails;
• b) Customer breaches this Agreement (including Sections 4.3, 4.4, 4.6, or 4.7);
• c) Provider reasonably believes Customer’s use poses a security risk, legal risk, reputational risk, or may harm the Services or other users; or
• d) Provider is required to do so by law, regulation, court order, or request of a competent authority.

3.8 Effect of Termination

Upon termination or suspension, Customer’s access to the Services may be revoked immediately. Customer remains responsible for all amounts due and payable through the effective date of termination, and any unpaid amounts become immediately due.

3.9 No Refund upon Termination

Termination or suspension (including for cause) does not entitle Customer to any refund of fees paid or prepaid, except as required by applicable law (see Section 6).

3.10 Data and Export

Provider may delete or disable access to Customer account data and settings after termination, subject to applicable law and the Privacy Policy. Provider may (but is not obligated to) offer limited export functionality as available in the Services at the time.

4. Customer Obligations and Acceptable Use

4.1 Accurate Registration Information

You must provide accurate and complete information during registration, including correct user type (Retail or Enterprise).

4.2 Credential Security

You must keep login credentials confidential and must not allow unauthorized access. You are responsible for all activity under your account.

4.3 Strict Single-User Policy

Multiple users per account are strictly forbidden, including sharing credentials with employees, team members, contractors, family, or any third party. Violations may result in additional charges, suspension, or termination. Provider may pursue legal action and seek additional damage compensation (including reasonable legal costs) to the maximum extent permitted by applicable law.

4.4 Fair Use, Automated Requests, and Non-Human Interaction

You must not, and must not permit any third party to:
use bots, scripts, scrapers, crawlers, RPA, headless browsers, browser automation, or any other automated means to access or interact with the Services;
perform automated data requests or any other non-human interaction with the Services (including automated querying, extraction, monitoring, indexing, harvesting, or bulk downloading), except where Provider has expressly authorized it in writing (e.g., through a separately purchased API plan under separate terms, if applicable);
bypass or attempt to bypass rate limits, authentication, paywalls, access controls, or security measures;
overload, disrupt, or degrade the Services or infrastructure;
reverse engineer, decompile, disassemble, or attempt to discover source code, underlying methods, models, or non-public data;
remove, obscure, or alter any watermark, attribution line, copyright notice, proprietary legend, or other rights notice contained in Provider Content.

Any automated or non-human interaction is a material breach and may result in immediate suspension/termination and pursuit of damages.

4.5 Monitoring and Enforcement

Provider may monitor usage and implement technical controls (including throttling, blocking, CAPTCHAs, and session/device limits) to enforce this Agreement and protect the Services.

4.6 Sharing and Attribution

• a) Allowed sharing with attribution.

  Sharing Provider Content is allowed and encouraged provided that:
  CatCapital is clearly named as the source (e.g., “Source: CatCapital”); and
  you do not remove, crop out, obscure, or alter any watermark, attribution line, copyright notice, or similar measure that is already present in the Provider Content.

• b) Integrity of content.

  You must not edit Provider Content in a way that is misleading, materially distorts meaning, or misrepresents context. Minor formatting changes for layout are allowed if they do not change substance and attribution remains clear.

• c) Third-party/licensing limits.

  Some data or materials may be subject to third-party licensing restrictions, confidentiality markings, or plan-based access limitations. Where Provider Content is marked as restricted, confidential, “not for redistribution,” or otherwise indicates sharing limits, you must comply with those limits.

4.7 Public/Online Posting, Human Rights, and Unlawful Use

Any public or online post, publication, upload, distribution, or other dissemination that includes Provider Content and is connected to, promotes, facilitates, depicts, or otherwise involves conduct that violates applicable law or widely recognized human rights standards (including, without limitation, unlawful discrimination or hate, harassment, exploitation, or incitement to violence) is strictly forbidden.
Such violation constitutes a material breach and results in immediate cancellation and end of usage of the platform, and Provider may pursue legal remedies and damages to the maximum extent permitted by applicable law.

5. Provider Obligations

5.1 Service Availability

Provider will use commercially reasonable efforts to make the Services available to Customer during the Subscription Period. The Services may be unavailable from time to time due to maintenance, updates, system failures, third-party dependencies, or other reasons.

5.2 Planned Maintenance and Changes

Provider may perform scheduled maintenance and may implement updates, upgrades, and changes to the Services (including features, interfaces, models, data coverage, and availability). Where reasonably practicable, Provider will provide advance notice of planned maintenance that may materially affect availability. Provider may modify or discontinue certain features or parts of the Services, provided that such changes do not materially deprive Customer of the core subscription purchased (as determined by Provider acting reasonably).

5.3 Third-party Services and Data Providers

Customer acknowledges that certain parts of the Services depend on third-party networks, hosting providers, payment providers, and/or data providers. Provider is not responsible for outages, interruptions, delays, or inaccuracies caused by third parties outside Provider’s reasonable control.

5.4 Support

Provider may offer support through the channels described on the website or within the Services. Unless expressly agreed otherwise in writing (e.g., an enterprise order form), Provider does not guarantee response times, resolution times, or any specific service level.

5.5 Security

Provider will implement reasonable administrative, technical, and organizational measures intended to protect the Services and Customer account access. However, Provider does not guarantee that the Services will be free from vulnerabilities, unauthorized access, or other security incidents. Customer remains responsible for maintaining the confidentiality of login credentials and for secure use of the Services.

5.6 No SLA; no service credits.

Unless expressly agreed otherwise in writing, the Services are provided on a best-efforts basis and no service level agreement (SLA) applies. Downtime, interruptions, or performance issues do not entitle Customer to refunds, credits, or service credits, except where required by applicable law.

5.7 Beta / Preview Features

Provider may label certain features, tools, models, data sets, or functionalities as beta, preview, experimental, early access, or similar (“Beta Features”). Beta Features may be changed, limited, suspended, or removed at any time and may not be supported. Beta Features are provided “AS IS” and “AS AVAILABLE,” may contain errors or inaccuracies, and are not part of the guaranteed core Services. Customer uses Beta Features at their own risk, and Provider will have no liability arising from or related to Beta Features to the maximum extent permitted by applicable law.

6. No-Refund Policy

6.1 General

All Subscription Fees and Add-On fees are non-refundable and non-creditable, including (without limitation) fees paid in advance, fees for partial periods, unused time, accidental purchases, plan downgrades, service dissatisfaction, feature changes, temporary unavailability, or lack of usage, except where required by applicable law.

6.2 Trial Period and Evaluation

Customer is responsible for evaluating the Services during the Trial Period. By allowing the Trial Period to end without cancellation, Customer acknowledges that the Services meet Customer’s needs and authorizes Provider to charge the selected Subscription Plan.

6.3 Cancellation

If Customer cancels, the cancellation stops future renewals only. Customer will retain access until the end of the then-current Subscription Period (or Trial Period), and no prorated refunds or credits will be issued for any unused portion of the Subscription Period.

6.4 Termination for Cause

If Provider suspends or terminates access due to Customer’s breach (including Sections 4.3, 4.4, 4.6(c), or 4.7), Customer is not entitled to any refund of prepaid/advanced or unused fees, and any remaining Subscription Period is forfeited, except where required by applicable law.

6.5 Chargebacks and Payment Disputes

Initiating a chargeback or payment dispute without first contacting Provider to attempt resolution may be treated as a material breach. Provider may suspend access during a dispute and may recover any chargeback fees, collection costs, and reasonable legal fees to the maximum extent permitted by applicable law.

6.6 Statutory Rights

Nothing in this Agreement limits any mandatory consumer rights that cannot be waived under applicable law. Where a refund is required by law, Provider will provide it in accordance with legal requirements.

7. Data Accuracy and Disclaimer

7.1 Informational Nature

The Services and all Provider Content are provided for informational purposes only and are provided “AS IS” and “AS AVAILABLE.” Provider makes no representations or warranties of any kind regarding the Services or Provider Content.

7.2 No Guarantee of Accuracy, Completeness, or Timeliness

Provider does not guarantee that any data, charts, documents, reports, outputs, or other information provided through the Services is accurate, complete, current, error-free, uninterrupted, or timely. Data may be delayed, incomplete, subject to revisions, corporate actions, vendor restatements, or other changes.

7.3 Sources, processing, and calculation risk.

Provider Content may be derived from public and private sources and may include estimates, normalized fields, classifications, model outputs, and/or calculated metrics. Such content may contain errors, omissions, mismatches, calculation issues, formatting issues, or outdated information, including due to source errors, processing assumptions, or third-party dependencies.

7.4 No reliance; Customer responsibility.

Customer is solely responsible for verifying Provider Content before relying on it for any decision or external communication. Customer must use independent judgment and, where appropriate, consult qualified professionals. Provider is not responsible for decisions made based on Provider Content.

7.5 No Warranties; Disclaimer of Implied Warranties

To the maximum extent permitted by applicable law, Provider disclaims all warranties, including any implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing or usage of trade.

7.6 Corrections and Updates

Provider may correct, update, limit access to, or remove Provider Content at any time without notice, and does not undertake any obligation to update previously delivered or displayed information.

7.7 Beta Features and Experimental Outputs.

Without limiting the foregoing, any outputs or content generated or provided through Beta Features (as defined in Section 5.7) may be especially prone to errors, incomplete coverage, or unexpected behavior. Customer should not rely on Beta Feature outputs for critical decisions without independent verification.

8. No Investment or Trading Advice

8.1 Informational Purpose

Provider does not provide investment, trading, legal, tax, accounting, or other professional advice. The Services and Provider Content are provided for informational and educational purposes only.

8.2 No Offer, Solicitation, or Recommendation

Nothing in the Services, Provider Content, or any communications by Provider constitutes (a) an offer, solicitation, or invitation to buy or sell any security, derivative, digital asset, or other financial instrument, (b) a recommendation, endorsement, or opinion regarding any investment, trading strategy, portfolio allocation, or transaction, or (c) personalized advice based on Customer’s circumstances.

8.3 Social Media

Any content shared or published by Provider on its official channels, including LinkedIn, X (Twitter), Instagram, TikTok, or Reddit, is provided for general information only and must not be interpreted as investment advice, trading advice, or a recommendation of any kind. References to securities, issuers, sectors, markets, or strategies are illustrative and informational.

8.4 Fiduciary Relationship

Customer acknowledges that Provider does not act as a broker, dealer, investment adviser, fiduciary, or financial intermediary, and no fiduciary duty is created by access to or use of the Services or Provider Content.

8.5 High-risk Activity

Trading and investing involve significant risk, including the potential loss of all invested capital. Customer is solely responsible for assessing suitability, risks, and compliance with applicable laws and regulations, and should consult qualified professionals before making any decision.

8.6 AI-generated Content

The Services may include AI-assisted features (including Assistant and DeepResearch or similar functionalities) that generate summaries, analyses, or other outputs (“AI Outputs”). AI Outputs are informational only and must not be treated as recommendations or advice, even if the AI Output states or implies that it is a recommendation, suggests actions, or uses directive language. Customer must independently verify all AI Outputs before relying on them.

8.7 Illustrative Content

Any examples, forecasts, scenarios, model outputs, signals, backtests, or hypothetical performance shown in the Services (if any) are illustrative only and may be inaccurate, incomplete, or based on assumptions. Past performance (actual or simulated) is not indicative of future results. Provider does not guarantee any outcome.

8.8 Decisions Liability

Customer remains solely responsible for all decisions and actions taken based on use of the Services, Provider Content, social media content, or AI Outputs. Provider is not responsible for trading or investment losses, subject to Section 11.

9. Intellectual Property

9.1 Ownership

Provider (and/or its licensors) retains all right, title, and interest in and to the Services and Provider Content, including all software, models, algorithms, databases, data compilations, formats, interfaces, designs, trademarks, logos, documentation, and all related intellectual property rights. No rights are granted except as expressly stated in this Agreement.

9.2 License to Customer

Subject to timely payment of all fees and continued compliance with this Agreement, Provider grants Customer a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services and Provider Content during the Subscription Period solely for Customer’s personal use or internal business purposes consistent with the purchased plan.

9.3 Sharing and Attribution

Customer may share Provider Content only as expressly permitted under Section 4.6 (Sharing and Attribution). Any rights to share Provider Content are conditional on complying with Section 4.6, including attribution to CatCapital and preservation of any watermarks or rights notices.

9.4 Restrictions

Except as expressly permitted by this Agreement (including Section 4.6), Customer must not, and must not permit any third party to:

• a) copy, reproduce, distribute, sell, resell, rent, lease, sublicense, or commercially exploit the Services or Provider Content;
• b) create derivative works from, modify, translate, or adapt the Services or Provider Content;
• c) remove, obscure, or alter any watermark, attribution line, copyright notice, proprietary legend, or other rights notice;
• d) use Provider Content to build, train, benchmark, or improve any competing product or service, or to create a competing database or dataset;
• e) register or claim any intellectual property rights in Provider Content or any portion of the Services; or
• f) use Provider’s trademarks, logos, or brand elements except to provide truthful source attribution consistent with Section 4.6 and any brand guidelines Provider may publish.

9.5 Customer Materials

If Customer uploads or inputs any materials into the Services (“Customer Materials”), Customer represents and warrants that it has all rights necessary to provide them. Customer grants Provider a limited, worldwide, non-exclusive license to host, process, transmit, and display Customer Materials solely as necessary to provide, maintain, secure, and improve the Services and to comply with legal obligations.

9.6 Feedback

If Customer provides suggestions, ideas, or feedback regarding the Services (“Feedback”), Provider may use, implement, and exploit such Feedback without restriction or obligation to Customer, provided that Feedback does not include Customer confidential information.

10. Data Protection

10.1 Privacy Policy

Provider collects and processes personal data in accordance with its Privacy Policy: Privacy Policy. The Privacy Policy is incorporated by reference into this Agreement.

10.2 Roles and Purpose

Customer acknowledges that Provider may process personal data as a controller and/or processor (as applicable) for purposes of providing, maintaining, securing, and improving the Services, operating the business, complying with legal obligations, preventing fraud and abuse, enforcing this Agreement, and communicating with Customer regarding the Services.

10.3 Payment Processing (Stripe)

To process payments, manage subscriptions, and prevent fraud, Provider may share certain Customer personal data with its payment service provider(s), including Stripe, which may act as an independent controller or as a processor under its own terms. Customer should review the privacy policy(ies) of applicable payment providers (including Stripe) to understand how such providers process personal data.

10.4 Subprocessors and Service Providers

Provider may use third-party vendors (e.g., hosting, analytics, customer support, email delivery, security) to process personal data on its behalf. Provider will take reasonable steps to require such vendors to protect personal data in a manner consistent with applicable law.

10.5 International Transfers

Customer acknowledges that personal data may be transferred to and processed in countries other than Customer’s country of residence (including the UAE and locations where Provider or its service providers operate). Where required by applicable law, Provider will implement appropriate safeguards for cross-border transfers.

10.6 Security Measures

Provider will implement reasonable administrative, technical, and organizational measures intended to protect personal data and the Services against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access. However, no system is perfectly secure and Provider does not guarantee absolute security.

10.7 Data Retention and Deletion

Provider retains personal data for as long as reasonably necessary to provide the Services, comply with legal obligations, resolve disputes, enforce agreements, and for legitimate business purposes. Provider may delete or anonymize personal data in accordance with the Privacy Policy and applicable law.

10.8 Customer Responsibilities

Customer is responsible for (i) maintaining accurate account information, (ii) securing login credentials and devices, and (iii) ensuring that any personal data Customer submits to the Services is provided lawfully and in compliance with applicable law.

10.9 Communications

Provider may send operational and administrative communications related to the Services (e.g., billing, security, account notices, changes to the Services or this Agreement). Marketing communications, where applicable, will be managed in accordance with the Privacy Policy and applicable law.

11. Limitation of Liability

11.1 Allocation of Risk

The Services, Provider Content, and any Beta Features are provided on an “AS IS” and “AS AVAILABLE” basis. The parties agree that the limitations in this Section 11 are a fundamental part of the Agreement and that Provider would not provide the Services without them.

11.2 Exclusion of Damages

To the maximum extent permitted by applicable law, Provider will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business, goodwill, anticipated savings, opportunities, trading losses, investment losses, replacement costs, data, use, or business interruption, whether arising in contract, tort (including negligence), strict liability, under statute, or otherwise, even if Provider has been advised of the possibility of such damages.

11.3 Liability Cap

To the maximum extent permitted by applicable law, Provider’s total aggregate liability arising out of or related to this Agreement, the Services, Provider Content, or any Beta Features (whether in contract, tort, negligence, strict liability, statutory claim, misrepresentation, restitution, or otherwise) will not exceed the Subscription Fees actually paid by Customer to Provider in the three (3) months preceding the first event giving rise to the claim.

11.4 Third-party and Force Majeure Events

Without limiting other disclaimers, Provider will not be liable for any failure, delay, inaccuracy, or interruption caused by (i) third-party providers (including data, hosting, payment, or connectivity providers), (ii) Customer’s systems or configuration, (iii) misuse or unauthorized access, or (iv) events beyond Provider’s reasonable control.

11.5 Claim Time Limit

To the maximum extent permitted by applicable law, any claim must be brought within twelve (12) months after the event giving rise to the claim; otherwise it is permanently barred.

11.6 Non-excludable Liability

Nothing in this Agreement excludes or limits liability that cannot be excluded under applicable law (including, where applicable, liability for fraud or willful misconduct).

12. Governing Law and Jurisdiction

12.1 Governing Law

This Agreement and any dispute, claim, or controversy arising out of or relating to this Agreement, the Services, Provider Content, or the relationship between the parties (whether in contract, tort, statute, or otherwise) will be governed by the laws of the United Arab Emirates (UAE) and the applicable regulations of the Dubai World Trade Centre Authority (DWTCA), without regard to conflict of laws principles.

12.2 Courts and Jurisdiction.

Subject to Section 12.3 (Arbitration), the courts of Dubai, UAE will have exclusive jurisdiction to settle any dispute arising out of or relating to this Agreement. Customer irrevocably submits to that jurisdiction and waives any objection based on venue, inconvenient forum, or similar grounds.

12.3 Optional Arbitration (DIAC).

The parties may agree in writing to resolve a dispute by final and binding arbitration under the rules of the Dubai International Arbitration Centre (DIAC) in effect at the time the arbitration is commenced. Unless the parties agree otherwise in writing:

• a) the seat of arbitration will be Dubai, UAE;
• b) the arbitration will be conducted in the English language;
• c) the tribunal will consist of one (1) arbitrator appointed in accordance with DIAC rules;
• d) the arbitrator may award any relief available under applicable law and this Agreement; and
• e) the arbitral award will be final and binding and may be enforced in any court of competent jurisdiction.

12.4 Injunctive and Interim Relief

Nothing in this Section 12 prevents Provider from seeking urgent injunctive, interim, or protective relief (including to protect intellectual property, prevent unauthorized access, automation/scraping, credential sharing, misuse, or unlawful dissemination of Provider Content) in the courts of Dubai, UAE (or any other court of competent jurisdiction if required to enforce such relief).

13. Amendments

13.1 Updates by Provider

Provider may update this Agreement from time to time to reflect changes to the Services, business operations, legal requirements, security practices, or other reasons. Provider will provide notice of material changes by posting the updated Agreement on the website and/or within the Services and/or by email to the account email address.

13.2 Effective Date of Changes

Unless a shorter period is required for security, fraud prevention, or legal compliance, material changes will become effective on the date stated in the updated Agreement and in any event no earlier than 14 days after notice is provided. Non-material changes (e.g., clarifications, formatting, typographical corrections) may become effective immediately upon posting.

13.3 Acceptance

Continued use of the Services after changes become effective constitutes acceptance of the updated Agreement. If Customer does not agree to a change, Customer must cancel the subscription before the next renewal in accordance with Section 3, and stop using the Services by the effective date of the change.

13.4 Enterprise Negotiated Terms.

For Enterprise Users, the parties may agree to separate negotiated terms, addenda, or amendments in a written order form, master services agreement, or other signed document (“Enterprise Terms”). In the event of any conflict between Enterprise Terms and this Agreement, the Enterprise Terms will prevail for that Enterprise subscription.

14. Entire Agreement

14.1 Order of Precedence

This Agreement (including the Privacy Policy and any documents incorporated by reference) constitutes the entire agreement between the parties regarding the Services and supersedes all prior or contemporaneous agreements, proposals, representations, and understandings, whether written or oral, relating to the Services. If Customer is an Enterprise User and the parties have executed Enterprise Terms (as defined in Section 13.4), the Enterprise Terms will prevail in the event of a conflict.

14.2 Severability.

If any provision of this Agreement is held to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect, and the invalid provision will be modified to the minimum extent necessary to make it enforceable while preserving the parties’ intent.

14.3 Waiver

A failure or delay by Provider to enforce any right or provision will not constitute a waiver of such right or provision. Any waiver must be in writing and signed by Provider.

14.4 Assignment

Customer may not assign or transfer this Agreement, in whole or in part, without Provider’s prior written consent. Provider may assign this Agreement in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets, or otherwise upon notice to Customer.

14.5 Survival

Sections that by their nature should survive termination will survive, including without limitation Sections 4 (Customer Obligations and Acceptable Use), 6 (No Refund Policy), 7 (Data Accuracy and Disclaimer), 8 (No Investment or Trading Advice), 9 (Intellectual Property), 11 (Limitation of Liability), 12 (Governing Law and Jurisdiction), 13.4 (Enterprise negotiated terms), and this Section 14.

14.6 Reliance

Customer acknowledges that, in entering into this Agreement and using the Services, Customer has not relied on any statement, representation, warranty, or assurance (whether oral or written) other than those expressly set out in this Agreement. Customer agrees that it will have no claim for innocent or negligent misrepresentation based on any statement not expressly included in this Agreement, to the maximum extent permitted by applicable law.

By subscribing to the Services or beginning the Trial Period, you confirm your understanding and acceptance of this Agreement.