Privacy Policy

Effective Date: 27th April 2026

Last Updated: 27th April 2026

CatCapital FZE ("CatCapital", "we", "us", or "our") values your privacy and is committed to protecting your personal data.

This Privacy Policy explains how we collect, use, disclose, transfer, store, and protect personal data when you use our websites, platform, products, artificial intelligence features, file upload features, and related services available at www.catcapital.de, www.catcapital.ai, and any other related services that link to this Privacy Policy, collectively, the "Services".

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

This Privacy Policy should be read together with our Terms of Use, Subscription Agreement, Cookie Policy, cookie banner settings, and any other notices provided to you when using the Services.

1. Who We Are

CatCapital FZE is responsible for the processing of personal data in connection with the Services, unless stated otherwise.

Controller: CatCapital FZE

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

Privacy contact: support@catcapital.ai

For users in the European Economic Area, the United Kingdom, Switzerland, or other jurisdictions with similar privacy laws, CatCapital FZE generally acts as the data controller for personal data processed through the Services.

2. Personal Data We Collect

We collect personal data directly from you, automatically when you use the Services, and from selected third parties.

2.1 Information You Provide to Us

We may collect personal data you provide directly, including:

• Identity and contact information: name, email address, phone number, company name, role, country, and similar contact details.
• Account information: username, password or authentication credentials, account settings, preferences, subscription selections, and user profile information.
• Billing and subscription information: billing address, tax information where applicable, subscription plan, invoices, payment status, renewal status, cancellation status, and transaction-related details.
• Payment information: payment card details are generally processed directly by our payment provider, such as Stripe. We do not normally store full payment card numbers. We may receive and store limited payment-related information, such as card brand, last four digits, expiry month/year, billing status, transaction ID, fraud signals, payment confirmation, and chargeback information.
• Support and communication information: messages, attachments, forms, feedback, support tickets, metadata, and other information you provide when contacting us or interacting with our support channels.
• Business and professional information: where relevant, we may process information about your company, job title, professional interests, business needs, and use of our Services for business, financial, or investment research purposes.
• User content and inputs: information, prompts, queries, uploaded materials, comments, saved preferences, watchlists, reports, generated outputs, settings, or other content you submit to or generate through the Services.

2.2 Information We Collect Automatically

When you access or use the Services, we may automatically collect:

• Device and log data: IP address, browser type, browser version, device type, device identifiers, operating system, referring URL, pages visited, timestamps, access logs, error logs, crash logs, and diagnostic data.
• Usage data: features used, pages viewed, searches or queries performed, prompts submitted, files uploaded, clicks, navigation paths, session duration, subscription interactions, frequency of use, and other information about how you interact with the Services.
• Product usage and feature analytics: information about how often specific features are used, which features are accessed, how users navigate the Services, time spent on pages or features, feature engagement, user flows, and internal product performance metrics.
• Approximate location data: we may infer an approximate location from your IP address, such as country, region, or city.
• Cookies and similar technologies: we may use cookies, pixels, local storage, SDKs, tags, web beacons, and similar technologies for functionality, security, analytics, preferences, and, where permitted, marketing and advertising.

2.3 Information We Receive from Third Parties

We may receive information from third parties, including:

• Payment providers: for example, Stripe may provide payment confirmations, subscription status, fraud signals, billing events, chargeback information, and limited payment method details.
• Analytics and security providers: providers may help us understand performance, detect fraud or abuse, monitor infrastructure, and improve security.
• Advertising and social media platforms: where you have provided consent or where otherwise permitted by law, platforms such as Meta may provide aggregated campaign performance data, ad interaction data, or conversion-related information.
• Authentication or integration providers: if you log in or connect third-party services, we may receive information made available by those providers, depending on your settings and permissions.
• AI, cloud, and technology providers: where necessary to provide certain features, third-party providers may process uploaded files, prompts, extracted text, metadata, AI inputs, AI outputs, or related technical information.

2.4 User Content, Uploaded Files, and AI Inputs

When you use certain Services, you may upload, submit, or generate content, including but not limited to:

• documents;
• PDFs;
• spreadsheets;
• images;
• text files;
• financial data;
• company information;
• prompts and queries;
• chat messages;
• notes, summaries, or reports;
• generated outputs;
• metadata associated with uploaded files.

We refer to this information as "User Content".

User Content may contain personal data, confidential information, business information, financial information, trade secrets, or other sensitive information, depending on what you choose to upload or submit.

Uploaded files may be temporarily stored for a short period of time while they are uploaded, scanned, parsed, processed, analyzed, or otherwise used to provide the requested feature. This primarily applies to AI-powered, file-processing, document-analysis, summarization, extraction, and report-generation features.

After processing, uploaded files may be deleted, de-identified, or retained only where necessary to provide the requested functionality, maintain security, troubleshoot errors, comply with legal obligations, resolve disputes, enforce our agreements, or as otherwise described in this Privacy Policy.

You are responsible for ensuring that you have the necessary rights, permissions, and legal basis to upload, submit, or process User Content through the Services. You should not upload or submit personal data, confidential information, regulated data, trade secrets, or third-party data unless you are authorized to do so.

2.5 Portfolio Data and Financial Private Data

Certain features may allow you to upload, submit, or process financial information, including broker statements, portfolio exports, portfolio screenshots, holdings, balances, transactions, allocations, performance data, account labels, notes, and similar financial records ("Portfolio Data").

Portfolio Data may include private, confidential, proprietary, personal, account-related, or financial information. Depending on the file or screenshot you upload, it may also include broker names, account identifiers, transaction history, positions, cash balances, gains and losses, timestamps, and related metadata.

You are responsible for ensuring that you have the legal right, authority, permissions, consents, and legal bases necessary to upload, submit, disclose, process, and use Portfolio Data through the Services.

3. How We Use Personal Data

We may use personal data for the following purposes:

3.1 Providing and Operating the Services

To provide, operate, maintain, authenticate access to, personalize, and secure the Services.

3.2 Account and Subscription Management

To create accounts, manage user access, administer subscriptions, process plan changes, manage renewals and cancellations, and provide account-related notices.

3.3 Payments, Billing, and Fraud Prevention

To process payments, manage invoices and receipts, confirm transactions, administer subscriptions, detect fraud, handle disputes and chargebacks, and comply with accounting or tax obligations.

3.4 Support and Communications

To respond to inquiries, provide customer support, troubleshoot issues, send administrative notices, security alerts, service updates, policy updates, and other non-marketing communications.

3.5 Product Analytics, Statistics, and Service Improvement

We may use personal data, usage data, technical data, and product analytics to:

• count and measure how often specific features are used;
• understand which features are most or least used;
• analyze user journeys and product performance;
• generate internal statistics and aggregated reports;
• identify bugs, errors, latency, and usability issues;
• improve, test, and develop features;
• optimize user experience and platform reliability;
• assess subscription, billing, and feature-access patterns;
• prevent misuse, fraud, and security incidents.

Where appropriate, we use aggregated, anonymized, or pseudonymized data so that individual users are not directly identified in internal reports.

3.6 AI Features and File Processing

We may process User Content, uploaded files, prompts, queries, extracted content, metadata, and generated outputs to:

• provide the AI feature you requested;
• analyze, summarize, classify, transform, or extract information from files;
• generate responses, reports, summaries, tables, charts, or other outputs;
• maintain conversation or session context;
• troubleshoot technical issues;
• improve functionality, reliability, and user experience;
• detect abuse, fraud, malware, security risks, or prohibited use;
• provide customer support;
• comply with legal obligations;
• enforce our Terms of Use and other policies.

3.7 Security and Abuse Prevention

To detect, investigate, and prevent fraud, unauthorized access, misuse, prohibited activity, technical issues, scraping, spam, malware, and security incidents.

3.8 Marketing and Advertising

Where permitted by law, and where consent is required only after you have provided consent, we may use personal data to send updates, newsletters, promotional offers, measure ad effectiveness, build audiences, and display relevant ads.

3.9 Legal Compliance and Enforcement

To comply with legal obligations, respond to lawful requests, enforce our agreements and policies, resolve disputes, and protect the rights, safety, and property of CatCapital, our users, or others.

3.10 Portfolio Data Processing

We may process Portfolio Data to provide portfolio-related features, including extracting information from broker statements, screenshots, spreadsheets, PDFs, images, or other files; structuring and normalizing data; generating tables, charts, summaries, reports, analytics, AI Outputs, and other insights; maintaining account functionality; troubleshooting errors; improving service reliability; and protecting the Services from fraud, abuse, malware, or security risks.

4. Legal Bases for Processing

Where applicable law requires a legal basis, including under the GDPR and UK GDPR, we rely on one or more of the following legal bases.

4.1 Contract

We process personal data where necessary to provide the Services, create and manage your account, administer subscriptions, process payments, provide customer support, and deliver requested features, including AI and file-processing features.

4.2 Legitimate Interests

We may process personal data based on our legitimate interests, including to:

• secure and improve the Services;
• prevent fraud and abuse;
• analyze service performance;
• count feature usage;
• generate internal statistics;
• troubleshoot errors;
• develop and improve products;
• enforce agreements;
• communicate with users about service-related matters.

We balance these interests against your rights and freedoms.

4.3 Consent

We rely on consent where required, including for certain cookies, analytics, marketing communications, advertising technologies, Meta Pixel, and similar tracking technologies.

You may withdraw consent at any time where processing is based on consent.

4.4 Legal Obligation

We process personal data where necessary to comply with applicable laws, regulatory requirements, accounting and tax obligations, lawful requests, or legal proceedings.

5. Cookies, Meta Pixel, and Tracking Technologies

We use cookies and similar technologies to provide and improve the Services. These may include cookies, pixels, tags, scripts, local storage, web beacons, and similar technologies.

5.1 Types of Cookies and Technologies We Use

• Strictly necessary cookies: these are required for core functionality, such as authentication, session management, security, fraud prevention, load balancing, and remembering privacy choices. These cookies generally cannot be disabled through our systems.
• Preference cookies: these remember choices such as language, region, display settings, and user preferences.
• Analytics cookies: these help us understand how users interact with the Services, measure traffic, count feature usage, identify errors, and improve performance.
• Marketing and advertising cookies: these may be used to measure ad performance, attribute conversions, build audiences, and show more relevant advertising.

5.2 Product Analytics and Measurement

We may use first-party analytics and, where consent is required, third-party analytics tools to measure usage of the Services.

This may include counting how often users access features, monitoring feature performance, understanding user flows, analyzing page views and clicks, identifying areas for improvement, and generating aggregated statistics.

Analytics may be based on account-level events, device-level events, session data, cookies, local storage, or similar technologies, depending on the feature and tool used.

Where analytics are strictly necessary for security, debugging, fraud prevention, or service operation, they may be processed without cookie consent where legally permitted. Where analytics are non-essential, we request consent where required.

5.3 Meta Pixel

We may use Meta Pixel and related Meta Business Tools to measure advertising performance, understand interactions with our Services, attribute conversions, build or exclude audiences, and deliver more relevant ads on Meta platforms.

Where required by applicable law, Meta Pixel and similar marketing technologies are activated only after you have provided consent through our cookie banner or consent management tool.

If you reject marketing cookies or do not provide consent, Meta Pixel should not be activated for marketing purposes.

Depending on your consent choices and technical configuration, Meta Pixel may collect or receive information such as:

• pages viewed;
• buttons clicked;
• subscription or checkout events;
• approximate device and browser information;
• IP address;
• event timestamps;
• cookie identifiers;
• referral information;
• hashed identifiers, where applicable and configured.

Meta may process this information according to its own terms and privacy notices. You can also manage certain advertising preferences through your Meta account settings.

5.4 Cookie Consent and Withdrawal

Where required, we request consent before placing or accessing non-essential cookies or similar technologies.

You can manage or withdraw your cookie consent at any time through our cookie settings tool where available, or through your browser settings.

Disabling certain cookies may affect the functionality, security, or availability of parts of the Services.

6. How We Share Personal Data

We do not sell or rent your personal data. We may share personal data in the circumstances below.

6.1 Service Providers, Vendors, AI Providers, and Subprocessors

We use trusted third-party service providers, vendors, processors, subprocessors, and technology partners to help us provide, secure, maintain, analyze, and improve the Services.

These may include providers of:

• payment processing and subscription billing, including Stripe;
• hosting, cloud infrastructure, and storage;
• databases and backups;
• artificial intelligence and machine learning services, including OpenAI and xAI;
• file parsing, document extraction, OCR, transcription, and data processing;
• analytics and product monitoring;
• customer support and communication tools;
• email delivery and notifications;
• security, fraud prevention, logging, and abuse detection;
• consent management and cookie banner tools;
• advertising and measurement tools, including Meta Pixel where consent is provided.

These providers may process personal data and User Content on our behalf, or in some cases as independent controllers, depending on the service and applicable law.

Where required, we enter into appropriate contracts, data processing agreements, confidentiality terms, and security commitments with our providers. These providers are authorized to process personal data only as necessary to provide services to us, comply with legal obligations, protect security, or as otherwise permitted by applicable law and contract.

6.2 Payment Providers

Payments and subscriptions may be processed by third-party payment providers such as Stripe.

These providers may process personal data as our processor, independent controller, or both, depending on the activity. Their processing is also subject to their own privacy notices and contractual terms.

6.3 AI and Technology Providers

When you use AI-powered or file-based features, we may disclose or transmit User Content to third-party AI and technology providers to process your request.

This may include:

• the original uploaded file;
• extracted text or data from the file;
• prompts, questions, or instructions;
• conversation history or relevant context;
• metadata, such as file type, size, timestamps, and account identifiers;
• generated outputs;
• technical logs required to operate, monitor, troubleshoot, or secure the feature.

These providers may include, without limitation:

• OpenAI;
• xAI;
• cloud hosting providers;
• database providers;
• vector database or search providers;
• file parsing, OCR, document extraction, or transcription providers;
• monitoring, logging, security, and abuse-prevention providers.

We disclose this information where reasonably necessary to provide, secure, monitor, troubleshoot, or improve the Services, or where required by law.

6.4 Advertising and Analytics Partners

Where you have provided consent or where otherwise permitted by law, we may share usage events, cookie identifiers, hashed identifiers, device information, or aggregated information with advertising and analytics partners, including Meta, to measure ad performance, attribute conversions, understand campaigns, and provide relevant advertising.

We do not intentionally share sensitive personal data with advertising partners.

6.5 Legal, Safety, and Compliance Reasons

We may disclose personal data where we believe it is necessary to:

• comply with applicable law, regulation, legal process, or lawful governmental request;
• enforce our Terms of Use, Subscription Agreement, or other policies;
• investigate or prevent fraud, abuse, security incidents, or technical issues;
• protect the rights, property, safety, or security of CatCapital, users, or the public.

6.6 Business Transfers

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

6.7 Third-Party Processing of Portfolio Data

Where necessary to provide portfolio, broker-statement, screenshot-analysis, document-processing, OCR, or AI-powered features, we may transmit uploaded files, screenshots, extracted text, structured data, Portfolio Data, prompts, metadata, and generated outputs to third-party service providers.

These providers may include OCR providers, document extraction providers, AI providers such as OpenAI and xAI, cloud hosting providers, database providers, analytics providers, monitoring providers, and security providers.

For example, if you upload a screenshot of a brokerage account, portfolio page, transaction history, or statement, the screenshot and extracted information may be processed by OCR, AI, file-processing, or infrastructure providers to extract, structure, analyze, or display the relevant information.

7. Artificial Intelligence Features, User Content, and Third-Party AI Providers

The Services may include artificial intelligence, machine learning, automation, summarization, analysis, document processing, search, report generation, chat, and other AI-powered features.

When you use these features, we may process User Content, including files, prompts, queries, messages, instructions, uploaded materials, extracted text, metadata, and generated outputs.

7.1 How AI Features Use User Content

We may process User Content to:

• provide the AI feature you requested;
• analyze, summarize, classify, transform, or extract information from files;
• generate responses, reports, summaries, tables, charts, or other outputs;
• maintain conversation or session context;
• improve functionality, reliability, and user experience;
• detect abuse, fraud, malware, security risks, or prohibited use;
• troubleshoot errors and provide support;
• comply with legal obligations;
• enforce our Terms of Use and other policies.

7.2 Third-Party AI Providers

To provide AI-powered features, we may transmit User Content to third-party AI, infrastructure, model, data-processing, or technology providers. These providers may include, without limitation, OpenAI and xAI.

This means that uploaded files, prompts, messages, extracted file content, metadata, and generated outputs may be processed by third parties where necessary to provide, secure, monitor, troubleshoot, or improve the Services.

7.3 No Guarantee That User Content Is Free of Personal Data

Because users may upload many types of files or inputs, we cannot control in advance whether User Content contains personal data, confidential information, financial information, trade secrets, special categories of personal data, or third-party data.

By uploading or submitting User Content, you represent that:

• you have the right to provide it to us;
• you have obtained any required consents or authorizations;
• your use of the Services does not violate applicable law or third-party rights;
• the User Content does not contain unlawful, prohibited, or unauthorized material.

7.4 Sensitive and Regulated Data

Unless we expressly agree otherwise in writing, the Services are not designed for the processing of highly sensitive or regulated data, including:

• health data;
• biometric data;
• genetic data;
• government identification numbers;
• full payment card numbers, except where processed directly by our payment provider;
• children's data;
• criminal offence data;
• special categories of personal data under GDPR;
• data subject to sector-specific confidentiality or security obligations.

You should not upload such data unless you are legally authorized to do so and unless the relevant feature is specifically intended to process such data.

7.5 AI Outputs

AI-generated outputs may be inaccurate, incomplete, outdated, or unsuitable for your intended purpose.

You are responsible for reviewing, verifying, and deciding whether to rely on any AI-generated output.

AI outputs should not be treated as legal, tax, financial, investment, accounting, medical, or other professional advice.

7.6 Model Training and Service Improvement

We do not use private User Content to train our own AI models unless we clearly disclose this and, where required by law, obtain consent or provide appropriate controls.

Third-party AI providers may process User Content according to their applicable contracts, data processing terms, privacy policies, security terms, retention settings, and legal obligations.

Where we use AI providers as processors or subprocessors, we take reasonable steps to ensure appropriate contractual safeguards are in place.

Where available, we may configure third-party AI services to limit retention, restrict training use, or apply enterprise/API data protection settings.

7.7 Human Review

We may review User Content, prompts, outputs, logs, or related metadata where reasonably necessary to:

• provide support;
• investigate bugs or errors;
• detect abuse or security issues;
• enforce our policies;
• comply with legal obligations;
• improve safety, quality, and functionality.

Access is limited to authorized personnel or service providers with a need to know, subject to appropriate confidentiality and security obligations.

7.8 Temporary Storage and Deletion of Uploaded Files and AI Data

Uploaded files may be temporarily stored for a short period of time while they are being uploaded, scanned, parsed, processed, analyzed, or used to provide the requested AI or file-processing feature.

This temporary storage may be necessary to:

• complete the requested processing;
• extract text, data, or metadata;
• generate summaries, reports, answers, tables, charts, or other outputs;
• prevent malware, abuse, fraud, or security risks;
• troubleshoot errors or failed processing;
• maintain service reliability.

After processing, uploaded files may be deleted or de-identified, unless retention is necessary to:

• provide ongoing access to the feature, file, chat, summary, report, or workspace;
• maintain account history where enabled;
• provide support;
• investigate errors, fraud, abuse, or security incidents;
• comply with legal, accounting, tax, or regulatory obligations;
• resolve disputes;
• enforce our agreements;
• comply with backup, disaster recovery, or technical retention cycles.

Deletion from active systems may not immediately remove copies from backups, logs, temporary processing systems, or third-party systems. Backup and residual copies are deleted or overwritten according to applicable retention cycles.

Third-party AI, infrastructure, file-processing, and technology providers may retain files, extracted content, prompts, outputs, logs, or related metadata according to their applicable contracts, retention settings, data processing terms, and legal obligations.

8. Financial and Investment-Related Information

The Services may provide financial data, analytics, research tools, market information, company information, or investment-related content.

Any personal data processed in connection with these features is handled according to this Privacy Policy.

We may process usage information related to financial research features, such as viewed companies, searches, watchlists, alerts, saved preferences, AI prompts, uploaded documents, generated reports, or subscription interactions, to provide and improve the Services.

The Services are not intended to collect special categories of personal data unless expressly stated.

Nothing in the Services should be treated as legal, tax, financial, accounting, investment, or other professional advice unless expressly stated in a separate agreement.

9. International Data Transfers

CatCapital FZE is based in the United Arab Emirates.

If you access the Services from outside the UAE, your personal data may be transferred to, stored in, or processed in the UAE, the European Economic Area, the United Kingdom, the United States, or other countries where we or our service providers operate.

Because some of our service providers, including AI, cloud, analytics, security, and payment providers, may operate globally, User Content and personal data may be transferred to or accessed from countries outside your country of residence.

Where required by applicable law, we use appropriate safeguards for international transfers, which may include:

• standard contractual clauses;
• data processing agreements;
• transfer impact assessments where required;
• adequacy decisions where applicable;
• technical and organizational security measures;
• other legally recognized transfer mechanisms.

10. Data Retention

We retain personal data only for as long as reasonably necessary for the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

Retention periods may vary depending on the type of data and purpose of processing.

10.1 Account Data

Account data is retained while your account is active and for a reasonable period after closure where needed for legal, security, dispute, fraud prevention, backup, or compliance purposes.

10.2 Billing and Transaction Records

Billing and transaction records are retained as required for accounting, tax, audit, fraud prevention, chargeback, and legal obligations.

10.3 Support Communications

Support communications are retained as long as necessary to respond to your request, improve support, maintain business records, and resolve disputes.

10.4 Security Logs

Security logs are retained for a limited period unless needed to investigate suspicious activity, fraud, abuse, or security incidents.

10.5 Marketing and Cookie Consent Records

Marketing consent records and cookie consent records may be retained as necessary to demonstrate consent, opt-out, withdrawal, or compliance.

10.6 Uploaded Files and AI Content

Uploaded files are generally stored temporarily for a short period of time while they are being processed, especially for AI-powered, document-analysis, file-processing, summarization, extraction, and report-generation features.

Depending on the feature, we may retain uploaded files, extracted content, prompts, AI inputs, AI outputs, and related metadata for as long as reasonably necessary to:

• provide the requested feature;
• complete processing;
• enable access to generated outputs;
• maintain account history or workspace functionality where enabled;
• provide support;
• troubleshoot errors;
• detect and prevent abuse, fraud, malware, or security incidents;
• comply with legal, accounting, tax, or regulatory obligations;
• resolve disputes;
• enforce our agreements;
• comply with backup and disaster recovery cycles.

Where continued retention is not necessary, uploaded files may be deleted, de-identified, or overwritten after processing.

If a feature allows you to delete files, chats, or outputs, deletion will remove them from active user access, subject to reasonable technical, legal, backup, security, and third-party retention limitations.

Third-party providers may retain data according to their own contractual terms, retention settings, data processing agreements, and legal obligations.

When personal data is no longer needed, we delete, anonymize, aggregate, or de-identify it in accordance with applicable law and our internal policies.

10.7 Portfolio Data Retention

Portfolio Data, uploaded broker statements, screenshots, extracted data, structured holdings, transactions, balances, allocations, portfolio metrics, AI inputs, AI Outputs, and related metadata may be stored for as long as reasonably necessary to provide the requested features, maintain account functionality, enable access to prior analyses, troubleshoot errors, maintain security, comply with legal obligations, resolve disputes, enforce our agreements, or as otherwise described in this Privacy Policy.

Where continued retention is not necessary, uploaded files may be deleted, de-identified, or overwritten after processing. Structured data derived from uploaded files may be retained where needed to provide ongoing portfolio functionality or account features.

11. Security

We implement appropriate technical and organizational measures designed to protect personal data from unauthorized access, loss, misuse, alteration, disclosure, or destruction.

These measures may include:

• encryption in transit, such as SSL/TLS;
• access controls;
• authentication controls;
• secure infrastructure;
• firewalls and monitoring;
• vulnerability management;
• logging and incident detection;
• vendor security review where appropriate;
• internal access restrictions;
• periodic updates and security practices.

However, no method of transmission or storage is completely secure. We cannot guarantee absolute security.

12. Your Rights

Depending on your location and applicable law, you may have rights regarding your personal data, including the right to:

• access your personal data;
• correct inaccurate or incomplete data;
• delete personal data;
• restrict processing;
• object to certain processing;
• withdraw consent where processing is based on consent;
• request portability of certain personal data;
• opt out of direct marketing;
• lodge a complaint with a data protection authority.

To exercise your rights, contact us at support@catcapital.ai.

We may ask you to verify your identity before responding to a request. We may also refuse or limit requests where permitted by law, such as where disclosure would affect the rights of others, conflict with legal obligations, or compromise security.

For privacy requests involving uploaded files, AI features, or third-party processing, please include enough information for us to identify the relevant account, file, chat, report, or processing activity.

13. Marketing Communications

You may opt out of marketing emails at any time by using the unsubscribe link in our emails or by contacting us at support@catcapital.ai.

Even if you opt out of marketing communications, we may still send you non-marketing communications, including account notices, billing notices, security alerts, service updates, and legal notices.

14. 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.

We may use automated systems for security, fraud detection, abuse prevention, analytics, service personalization, AI processing, and feature delivery, but these are not intended to produce legal or similarly significant effects on users.

15. Children's Privacy

The Services are not intended for individuals under the age of 18.

We do not knowingly collect personal data from children under 18.

If you believe that a child has provided us with personal data, please contact us at support@catcapital.ai, and we will take appropriate steps to delete such information where required.

16. Third-Party Links and Services

The Services may contain links to third-party websites, platforms, tools, or services.

We are not responsible for the privacy practices, content, or security of third parties.

If you interact with third-party services, including payment providers, social media platforms, analytics providers, AI providers, or external websites, their own privacy policies and terms may apply.

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.

17. Do Not Track and Global Privacy Controls

Some browsers or devices may offer "Do Not Track" or similar signals. Because there is no consistent industry standard for responding to these signals, we may not respond to all such signals.

Where required by applicable law, we will honor legally recognized opt-out preference signals, such as Global Privacy Control, to the extent technically feasible and applicable to our Services.

18. Your Responsibilities When Uploading Files or Using AI Features

You are responsible for the content you upload, submit, or make available through the Services.

You agree not to upload, submit, or process User Content unless:

• you have the legal right to do so;
• you have obtained any required consents;
• the content does not violate confidentiality obligations;
• the content does not infringe third-party rights;
• the content does not violate applicable law;
• the content does not contain prohibited, unlawful, malicious, or harmful material.

You should not upload highly sensitive, regulated, confidential, or third-party personal data unless you are authorized to do so and you understand that such content may be processed by CatCapital and relevant third-party service providers, including AI providers, as described in this Privacy Policy.

19. Service Provider and Subprocessor Information

We may maintain a list of key service providers, subprocessors, or categories of providers used to deliver the Services.

This list may include providers for:

• hosting and infrastructure;
• payment processing;
• AI processing;
• analytics;
• customer support;
• email delivery;
• monitoring and security;
• advertising and measurement;
• file processing and storage.

Where required by law or contract, we may provide additional information about subprocessors upon request or through a dedicated page.

Contact support@catcapital.ai for questions about our service providers or subprocessors.

20. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

The "Last Updated" date indicates when the policy was last revised.

If we make material changes, we may provide additional notice, such as through the Services, by email, or by other appropriate means, where required by law.

Your continued use of the Services after an updated Privacy Policy becomes effective means you acknowledge the updated policy.

21. 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: 27th April 2026

Last Updated: 27th April 2026

This Terms of Use / Subscription Agreement ("Agreement") governs access to and use of the Services provided by CatCapital FZE ("Provider", "CatCapital", "we", "us", or "our"), a company registered under the laws of the United Arab Emirates with its principal office located at:

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

Email: support@catcapital.ai

This Agreement applies to the subscriber, customer, account holder, user, or entity accessing or using the Services ("Customer", "you", or "your").

By subscribing to, starting a trial of, accessing, or using the Services, you agree to this Agreement. If you do not agree, you must not access or use the Services.

If you access or use the Services on behalf of a company or other legal entity, you represent that you have authority to bind that entity. If you do not have such authority, you must not use the Services on behalf of that entity.

This Agreement incorporates by reference our Privacy Policy, Cookie Policy or cookie banner settings, and any applicable order form, enterprise agreement, data processing addendum, Challenge Rules, or written addendum agreed by the parties.

1. Definitions

1.1 "Services"

The Provider's online platform and related services made available by Provider, including websites, applications, features, tools, dashboards, models, AI-assisted functionalities, Assistant, DeepResearch, file upload features, document-processing features, portfolio-related features, Demo Trading features, Challenges, APIs if expressly purchased or enabled, and any updates, upgrades, or replacement services.

1.2 "Provider Content"

Any information or materials made available through the Services, including data, datasets, tables, metrics, charts, visualizations, documents, reports, research outputs, text, images, screenshots, templates, AI-generated materials based on Provider Content, 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, DeepResearch, or similar functionalities, such as summaries, analyses, classifications, extracted information, generated text, reports, or other results.

1.4 "Customer Materials"

Any content, files, documents, prompts, queries, messages, data, text, images, screenshots, spreadsheets, PDFs, uploads, inputs, instructions, broker statements, portfolio records, account exports, or other materials submitted, uploaded, transmitted, disclosed, requested for analysis, or otherwise made available by Customer or Users through the Services.

1.5 "Portfolio Data"

Financial, investment, brokerage, account-related, or portfolio-related data uploaded, submitted, connected, disclosed, extracted, structured, stored, analyzed, or displayed through the Services, including broker statements, brokerage screenshots, account exports, holdings, transactions, balances, allocations, performance data, account labels, timestamps, and related metadata.

1.6 "Usage Data"

Technical, diagnostic, analytics, telemetry, feature-usage, log, and performance data generated from Customer's use of the Services.

1.7 "Third-Party Services"

Third-party services, models, data providers, APIs, platforms, payment processors, hosting providers, AI providers, OCR providers, analytics tools, file-processing providers, market data vendors, or integrations used in connection with the Services.

1.8 "Documentation"

Provider's published documentation, help materials, instructions, policies, technical limits, API documentation, and usage guidelines.

1.9 "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.

1.10 "Subscription Period"

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

1.11 "Trial Period"

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

1.12 "Add-Ons"

Any additional paid features or functionalities, recurring or one-time, added to a subscription, including real-time market data, advanced tools, additional usage, analytics, or other features.

1.13 "Customer"

The individual or legal entity that registers for, accesses, or uses the Services and agrees to be bound by this Agreement.

1.14 "User"

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

1.15 "User Types"

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

1.16 "Enterprise Terms"

Any separately negotiated written terms, order form, statement of work, master services agreement, data processing addendum, or amendment executed between Provider and an Enterprise User.

1.17 "Account"

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

1.18 "Applicable Law"

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

1.19 "Business Day"

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

1.20 "Demo Trading" or "Simulated Trading"

Any virtual, simulated, paper-trading, model-portfolio, watchlist, backtesting, hypothetical-trading, or virtual-portfolio feature made available through the Services that allows Customer to create, track, test, simulate, or analyze hypothetical orders, positions, securities, financial instruments, or portfolio strategies without executing real transactions.

1.21 "Demo Portfolio"

Any virtual, simulated, model, hypothetical, or paper-trading portfolio created, displayed, analyzed, stored, or generated through the Services.

1.22 "Simulated Orders"

Virtual, demo, paper, hypothetical, or non-executed order entries, transactions, trades, allocations, or portfolio actions created or displayed through the Services.

1.23 "Challenge"

Any skill-based Portfolio Challenge, Trading Challenge, Demo Trading competition, leaderboard, contest, tournament, promotion, event, campaign, or similar activity hosted, sponsored, or made available by Provider through or in connection with the Services.

1.24 "Challenge Rules"

The additional official rules, eligibility requirements, scoring methodology, performance metrics, prize terms, deadlines, restrictions, and conditions published by Provider for a specific Challenge.

1.25 "Prize"

Any cash, credit, subscription benefit, discount, voucher, reward, gift, badge, recognition, or other item or benefit of monetary or non-monetary value offered in connection with a Challenge.

1.26 "Eligible German Participant"

A natural person who is at least 18 years old, is a German citizen, satisfies all eligibility requirements in this Agreement and the applicable Challenge Rules, is not excluded under this Agreement or Applicable Law, and successfully completes any verification required by Provider.

1.27 "Agents"

"Agents" means AI-assisted task execution features made available through the Services that may perform, coordinate, automate, research, analyze, summarize, generate, retrieve, process, or otherwise execute tasks based on Customer instructions, Customer Materials, Provider Content, Third-Party Services, or other available inputs.

1.28 "Agent Task"

"Agent Task" means any request, workflow, instruction, job, run, execution, or operation submitted to or performed by Agents.

1.29 "Sub-Agent"

"Sub-Agent" means any individual AI-assisted component, worker, model call, tool call, process, sub-task, sub-workflow, or execution unit used by Agents to complete or support an Agent Task.

1.30 "Agent Usage Fees"

"Agent Usage Fees" means fees charged for Agent Tasks, Sub-Agents, usage above any free monthly contingent, overage usage, or other usage-based Agent functionality.

1.31 "Free Agent Contingent"

"Free Agent Contingent" means the limited amount of Agent usage, Agent Tasks, Sub-Agent usage, credits, or other included Agent allowance made available to eligible Customers during a monthly or other stated period without additional Agent Usage Fees.

2. Account Registration, Eligibility, and User Classification

2.1 Accurate Information

Customer must provide accurate, current, and complete registration, billing, tax, VAT, invoice, and account information, including the correct user type, plan type, and billing details.

Customer is responsible for incorrect invoices, tax treatment, billing issues, or failed tax reporting caused by inaccurate information supplied by Customer.

2.2 Age Requirement

Customer and all Users must be at least 18 years old or the age of legal majority in their jurisdiction, whichever is higher. The Services are not intended for minors.

2.3 Authority

If Customer uses the Services on behalf of an entity, Customer represents that the person accepting this Agreement has authority to bind that entity.

2.4 Account Responsibility

Customer is responsible for all activity under its Account, including activity by Users and any unauthorized activity resulting from Customer's failure to protect credentials.

Customer must not sell, transfer, sublicense, assign, lend, share, or otherwise make an Account available to any other person or entity without Provider's prior written consent.

2.5 User Type and Plan Classification

Provider may determine, in its reasonable discretion, whether Customer's use qualifies as Retail, Enterprise, commercial, institutional, professional, client-service, or otherwise subject to different pricing, restrictions, or terms.

If Customer selects an incorrect user type or plan, Provider may require Customer to upgrade, pay the applicable difference, limit access, suspend access, or terminate the subscription.

If Provider determines that Customer's use requires an Enterprise plan or other higher-tier plan, Provider may charge the applicable difference prospectively and, where Customer misrepresented its user type or usage, retroactively to the extent permitted by Applicable Law.

3. Subscription, Fees, Trials, and Billing

3.1 Subscription Options

Customer may choose:

• a monthly subscription, billed monthly in advance;
• an annual subscription, billed annually in advance and potentially offered at a discounted rate compared to monthly billing.

3.2 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.

3.3 Checkout Disclosure

At checkout, Customer will be shown the applicable plan, price, billing interval, trial terms if any, renewal terms, and cancellation method.

By completing checkout, starting a Trial Period, or purchasing a subscription, Customer confirms that Customer understands and authorizes recurring billing in accordance with this Agreement.

3.4 Pricing and 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 this Agreement.

Prices are exclusive of applicable taxes unless stated otherwise. Customer is responsible for all applicable taxes, duties, VAT, and similar governmental assessments.

3.5 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, card fees, or similar charges imposed by Customer's financial institution.

3.6 Authorization to Charge and Recurring Billing

By starting a Trial Period or purchasing a subscription, Customer authorizes Provider and its payment processors, including Stripe, to charge the payment method on file for:

• Subscription Fees and Add-Ons;
• applicable taxes;
• any other amounts due under this Agreement.

Subscriptions are billed on a recurring basis until cancelled in accordance with this Agreement.

3.7 Auto-Renewal Billing

Unless cancelled in accordance with this Agreement, 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.

3.8 Add-Ons, Upgrades, and 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.

Certain Add-Ons may depend on third-party providers, market data vendors, or technology providers and may be modified, suspended, or discontinued if the relevant third-party service becomes unavailable, changes terms, changes pricing, restricts access, or increases costs.

All fees remain subject to Section 16.

3.9 Discounts

Discounts, promotional pricing, or coupon codes 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.

3.10 Third-Party Purchases

If Customer purchases access through a third-party platform, marketplace, app store, reseller, or payment provider, additional terms, billing rules, refund rules, and cancellation procedures may apply.

3.11 Payment Failures, Collections, and Fees

If a payment fails or is reversed, Provider may retry the charge, suspend access, or terminate access in accordance with this Agreement.

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.

3.12 Enterprise Orders

For Enterprise Users, pricing, payment terms, invoicing, user counts, data protection terms, service levels, and negotiated terms may be set out in Enterprise Terms. In case of conflict, the Enterprise Terms control for that Enterprise subscription.

3.13 Agent Usage Fees, Free Monthly Contingent, and Sub-Agent Charges

The Services may include Agents. Eligible Customers may receive a Free Agent Contingent during each monthly or other stated usage period, as displayed within the Services, checkout page, pricing page, account settings, documentation, or applicable plan description.

The Free Agent Contingent may be measured by Agent Tasks, Sub-Agents, credits, usage units, executions, workflows, processing volume, or another usage metric determined by Provider.

Once the Free Agent Contingent is exhausted, Customer may be charged Agent Usage Fees. Unless otherwise stated, Agent Usage Fees may be charged on a fixed-fee basis per Sub-Agent, per Agent Task, per execution, per usage unit, or according to another pricing model displayed by Provider.

Customer authorizes Provider and its payment processors to charge the payment method on file for Agent Usage Fees, applicable taxes, and related amounts.

Agent Usage Fees may be charged immediately, at the time of task execution, at the time a Sub-Agent is used, or bundled and charged periodically, including daily, weekly, monthly, at renewal, when a billing threshold is reached, or at another billing interval determined by Provider and displayed or otherwise made available to Customer.

Provider may display estimated Agent Usage Fees before, during, or after an Agent Task. Estimates are provided for convenience only and may differ from the final amount charged due to retries, Sub-Agent usage, task complexity, processing requirements, third-party costs, taxes, currency conversion, failed or repeated executions, or other usage-related factors.

Customer is responsible for monitoring Agent usage and applicable charges. Provider may provide usage dashboards, logs, invoices, receipts, limits, alerts, or settings, but does not guarantee that such tools will be real-time, complete, uninterrupted, or error-free.

Provider may require Customer to enable usage-based billing, maintain a valid payment method, set spending limits, pre-authorize charges, purchase credits, or accept additional terms before using Agents or continuing to use Agents after the Free Agent Contingent is exhausted.

Provider may suspend, limit, throttle, or disable Agent access if payment fails, usage appears abusive or abnormal, Customer exceeds applicable limits, Customer does not maintain a valid payment method, or Provider reasonably determines that continued Agent usage creates financial, legal, security, operational, or reputational risk.

Unused Free Agent Contingent does not roll over, has no cash value, is not transferable, and cannot be refunded, exchanged, redeemed, or credited unless Provider expressly states otherwise in writing.

Provider may change the Free Agent Contingent, Agent Usage Fees, usage metrics, Sub-Agent pricing, billing intervals, usage limits, included allowances, and Agent availability from time to time in accordance with this Agreement.

4. Cancellation, Suspension, and Termination

4.1 Term

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

4.2 Auto-Renewal

Unless Customer cancels in accordance with this Agreement, 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.

4.3 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, including for breach.

Cancellation does not affect fees already paid or owed.

4.4 How to Cancel

Customer may cancel renewal at any time by:

• using the Account section within the Services;
• sending written cancellation to support@catcapital.ai from the email address associated with the Account.

Provider may request reasonable verification to prevent unauthorized cancellation requests.

A cancellation request by email is effective only when received by Provider and reasonably verified. Customer should retain confirmation of cancellation.

Deleting an Account, uninstalling an application, ceasing to use the Services, or losing access to an email address does not automatically cancel a paid subscription unless the subscription is cancelled through the required cancellation method.

4.5 Cancellation Deadline

To avoid renewal charges, Customer must cancel at least one day before the end of the current Subscription Period.

Cancellation deadlines are calculated based on the time zone used by Provider's billing system or payment processor unless otherwise stated at checkout.

If Customer cancels, access remains active until the end of the then-current Subscription Period, unless access is suspended or terminated earlier for cause.

For annual subscriptions, cancellation stops the next annual renewal but does not shorten the current annual Subscription Period or entitle Customer to a prorated refund, except where required by Applicable Law.

No prorated refunds or credits apply except where required by Applicable Law.

4.6 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.

4.7 Suspension or Termination by Provider for Cause

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

• fees are overdue or a payment fails;
• Customer breaches this Agreement;
• Provider reasonably believes Customer's use poses a security risk, legal risk, reputational risk, or may harm the Services, Provider, third parties, or other users;
• Customer engages in scraping, automation, credential sharing, misuse, unauthorized redistribution, prohibited uploads, high-risk use, misuse of Demo Trading features, or unfair Challenge conduct;
• Customer violates third-party data restrictions, market data licensing restrictions, Challenge Rules, or Applicable Law;
• Provider is required to do so by law, regulation, court order, or request of a competent authority.

4.8 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.

4.9 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.

4.10 Data, Export, and No Backup Obligation

Customer is responsible for exporting any Customer Materials, Portfolio Data, reports, AI Outputs, Demo Portfolios, Simulated Orders, Challenge data, or other content before the subscription ends.

Provider is not a backup, archive, records-management, portfolio-recordkeeping, brokerage-recordkeeping, or document-storage service. Customer is responsible for maintaining independent copies of Customer Materials, Portfolio Data, reports, AI Outputs, Demo Portfolios, Challenge data, and any information Customer wishes to preserve.

Provider may delete or disable access to Customer account data, Customer Materials, Portfolio Data, settings, AI Outputs, Demo Portfolios, Simulated Orders, Challenge data, reports, and other content 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.

Provider is not obligated to retain, restore, or provide Customer Materials, Portfolio Data, AI Outputs, Demo Portfolios, Simulated Orders, or Challenge data after termination or expiry, except as required by Applicable Law or expressly agreed in writing.

5. Customer Obligations and Acceptable Use

5.1 Accurate Registration Information

Customer must provide accurate and complete information during registration, checkout, and ongoing use of the Services, including correct user type, billing information, and plan selection.

5.2 Credential Security

Customer must keep login credentials confidential and must not allow unauthorized access. Customer is responsible for all activity under its Account.

5.3 Strict Single-User Policy

Multiple users per Account are strictly forbidden, including sharing credentials with employees, team members, contractors, family, clients, or any third party.

Retail or individual plans may not be used for shared company, team, departmental, institutional, client-service, or multi-user purposes unless expressly permitted by the purchased plan or Enterprise Terms.

Customer must not use a personal or retail subscription to provide services, reports, dashboards, analysis, or outputs to multiple clients, customers, funds, companies, or third parties unless expressly permitted by the purchased plan or Enterprise Terms.

Violations may result in additional charges, suspension, termination, damages, injunctive relief, reimbursement of costs, and any other remedies available under Applicable Law.

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

Customer 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;
• 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, systems, prompts, workflows, or non-public data;
• remove, obscure, or alter any watermark, attribution line, copyright notice, proprietary legend, or other rights notice contained in Provider Content;
• use the Services to develop, train, benchmark, evaluate, or improve any competing product, model, dataset, database, or service without Provider's prior written consent.

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

5.5 Security Testing

Customer must not conduct penetration testing, vulnerability scanning, load testing, security testing, prompt-injection testing, model extraction testing, or similar activity against the Services without Provider's prior written consent.

5.6 Monitoring and Enforcement

Provider may monitor usage and implement technical controls, including throttling, blocking, CAPTCHAs, rate limits, device limits, session limits, download limits, copy restrictions, and access restrictions, to enforce this Agreement and protect the Services.

Provider may add, modify, or remove watermarks, attribution lines, rights notices, download limits, copy restrictions, or technical protection measures at any time.

5.7 Prohibited Customer Materials and Conduct

Customer must not upload, submit, transmit, disclose, request analysis of, or process any Customer Materials, or use the Services in a way, that:

• is unlawful, defamatory, fraudulent, misleading, harassing, hateful, discriminatory, exploitative, or otherwise harmful;
• infringes intellectual property, privacy, publicity, confidentiality, contractual, employment, fiduciary, or other third-party rights;
• contains malware, viruses, worms, spyware, ransomware, malicious code, or harmful components;
• contains personal data, private financial data, brokerage data, portfolio data, account data, confidential information, trade secrets, regulated data, proprietary information, or third-party data that Customer is not authorized to upload, submit, disclose, process, structure, store, or analyze through the Services;
• is intended to reverse engineer, test, benchmark, extract, manipulate, or bypass the Services, models, systems, security controls, prompts, workflows, or Provider Content;
• is used to generate unlawful, harmful, abusive, infringing, deceptive, or high-risk outputs;
• violates sanctions, export controls, anti-money laundering laws, anti-bribery laws, or other trade compliance laws;
• contains information subject to contractual, professional, employment, fiduciary, regulatory, brokerage, account, or confidentiality restrictions that prohibit Customer from submitting such information to Provider or third-party service providers;
• contains brokerage login credentials, trading passwords, one-time passwords, recovery phrases, full payment card numbers, full government identification numbers, or other highly sensitive credentials or identifiers unless expressly requested by an authorized feature and legally permitted;
• is used to misrepresent simulated, demo, paper-trading, backtested, or hypothetical performance as real, audited, verified, or actual trading performance;
• is used to provide unauthorized investment advice, trading signals, portfolio management, brokerage, execution, or regulated financial services to third parties;
• is used to manipulate, falsify, distort, or exploit Demo Trading features, Challenges, leaderboards, rankings, virtual balances, simulated performance, or competitions;
• uses insider information, material non-public information, confidential issuer information, broker information, order-flow information, unpublished research, embargoed information, or any other information Customer is not legally permitted to use;
• uses real-time, faster, premium, direct-feed, professional, exchange, broker, terminal, or other external market data to exploit delayed, stale, incomplete, or standardized data within the Services.

5.8 Sanctions and Export Controls

Customer represents that Customer and its Users are not subject to sanctions, located in a comprehensively sanctioned jurisdiction, or prohibited from using the Services under applicable export control, sanctions, anti-money laundering, anti-bribery, or trade compliance laws.

Customer must not use the Services for any prohibited end use or on behalf of any prohibited person or entity.

Provider may restrict, suspend, or refuse access to the Services in any jurisdiction, region, or country where Provider determines that offering the Services may create legal, regulatory, security, sanctions, operational, or commercial risk.

5.9 Limited Sharing and Attribution

Customer may share limited excerpts, screenshots, charts, summaries, or outputs from the Services for non-systematic, non-automated, non-misleading purposes, provided that:

• CatCapital is clearly named as the source, for example "Source: CatCapital";
• Customer does not remove, crop out, obscure, or alter any watermark, attribution line, copyright notice, proprietary legend, or similar measure;
• Customer does not edit Provider Content in a way that is misleading, materially distorts meaning, or misrepresents context;
• Customer complies with any third-party licensing restrictions, confidentiality markings, plan-based access limits, or redistribution restrictions;
• the sharing does not substitute for a subscription, enable third parties to avoid purchasing access, or make substantial portions of the Services or Provider Content available externally.

Bulk sharing, systematic redistribution, dataset extraction, reposting substantial portions of the Services, or making Provider Content available as part of a competing, standalone, commercial, or data product is prohibited unless expressly agreed by Provider in writing.

5.10 External Publications

Customer is solely responsible for any external publication, post, communication, report, presentation, filing, distribution, or public statement that includes Provider Content, Portfolio Data, Demo Trading results, Challenge results, or AI Outputs.

Customer must review, verify, and, where appropriate, correct Provider Content, AI Outputs, charts, tables, summaries, reports, Demo Trading results, Challenge results, and other materials before sharing, publishing, filing, distributing, or otherwise using them externally.

Customer must ensure that any external use is accurate, lawful, not misleading, properly attributed, and compliant with this Agreement and Applicable Law.

When sharing Provider Content publicly, Customer must not imply that Provider endorses Customer, Customer's views, investment conclusions, products, services, or recommendations.

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

Any public or online post, publication, upload, distribution, or other dissemination that includes Provider Content or AI Outputs and is connected to, promotes, facilitates, depicts, or otherwise involves conduct that violates Applicable Law or widely recognized human rights standards is strictly forbidden.

This includes unlawful discrimination or hate, harassment, exploitation, or incitement to violence.

Such violation constitutes a material breach and may result in immediate suspension or termination of access without refund, in addition to any other remedies available to Provider under this Agreement or Applicable Law.

5.12 No High-Risk Use

Customer must not use the Services for emergency, life-safety, medical, legal, regulatory, compliance-critical, financial-execution, trading-execution, or other high-risk decisions where failure, delay, or inaccuracy could lead to death, personal injury, significant financial loss, legal liability, regulatory breach, or other serious harm.

6. Customer Materials, Uploaded Files, Portfolio Data, and AI Processing

6.1 Customer Materials

Customer may upload, submit, connect, disclose, request analysis of, or generate Customer Materials through the Services, including documents, PDFs, spreadsheets, images, screenshots, prompts, queries, messages, financial data, company information, portfolio data, broker statements, brokerage screenshots, transaction history, holdings, watchlists, notes, reports, and other materials.

6.2 Portfolio and Brokerage Data

Certain features may allow Customer to upload, submit, or process financial information relating to Customer's brokerage accounts, investment accounts, portfolios, holdings, transactions, balances, performance, allocations, screenshots, exports, statements, or similar financial records.

Portfolio Data may include private, confidential, proprietary, personal, financial, account-related, or third-party information.

Customer is solely responsible for ensuring that Customer has the legal right, authority, permissions, consents, and legal bases necessary to upload, submit, disclose, process, structure, analyze, store, and use Portfolio Data through the Services.

Customer must not upload or submit Portfolio Data belonging to another person, client, company, fund, account holder, or third party unless Customer is legally authorized to do so.

6.3 Processing and Structuring of Portfolio Data

Customer acknowledges that Portfolio Data and other Customer Materials may be uploaded, temporarily stored, parsed, scanned, extracted, structured, normalized, classified, analyzed, converted, transformed, displayed, and stored by Provider to provide the requested features.

This may include extracting information from broker statements, portfolio exports, screenshots, images, PDFs, spreadsheets, or other uploaded files, and converting such information into structured data, tables, analytics, summaries, reports, charts, or AI Outputs.

6.4 Storage of Structured Data

Depending on the feature, Provider may store structured data derived from Customer Materials or Portfolio Data, including extracted holdings, transactions, balances, allocations, portfolio metrics, account labels, timestamps, file metadata, analysis results, and generated outputs.

Provider may store such data for as long as reasonably necessary to provide the Services, maintain account functionality, enable access to prior analyses, generate portfolio insights, support user workflows, troubleshoot errors, maintain security, comply with legal obligations, resolve disputes, enforce this Agreement, or as otherwise described in the Privacy Policy.

Customer is responsible for deleting or requesting deletion of Portfolio Data where deletion functionality or rights are available, subject to technical, legal, security, backup, and third-party retention limitations.

6.5 Third-Party Processing of Uploaded Files and Portfolio Data

Customer acknowledges that Customer Materials, uploaded files, screenshots, images, extracted text, Portfolio Data, prompts, metadata, and AI-related inputs or outputs may be processed by Provider and relevant third-party service providers where necessary to provide, secure, maintain, troubleshoot, support, or improve the Services.

These providers may include, without limitation:

• OCR providers;
• document extraction providers;
• AI providers, including OpenAI and xAI;
• cloud hosting and infrastructure providers;
• database and storage providers;
• analytics, monitoring, logging, and security providers;
• file-processing and data-structuring providers.

For example, if Customer uploads a screenshot of a brokerage account, portfolio page, transaction history, or statement, the screenshot and extracted information may be processed by OCR, AI, file-processing, or infrastructure providers to extract, structure, analyze, or display the relevant information.

Third-party providers may process such information under their own applicable terms, data processing agreements, retention settings, security practices, and legal obligations. Provider will take commercially reasonable steps to use appropriate contractual and technical safeguards where required, but Provider does not control third-party systems outside the scope of its contractual rights.

Provider may add, remove, replace, or change AI models, AI providers, data providers, infrastructure providers, OCR providers, or processing methods at any time for operational, security, legal, performance, availability, cost, or product reasons.

6.6 Customer Responsibility for Financial Private Data

Customer is solely responsible for any private financial data, brokerage data, account data, portfolio data, confidential information, personal data, proprietary information, regulated data, or third-party information that Customer or its Users upload, submit, disclose, request analysis of, or otherwise make available through the Services.

Provider is not responsible for Customer's decision to upload, submit, disclose, request analysis of, or process such information through the Services, and Provider is not responsible for any breach of confidentiality, contractual obligation, fiduciary duty, employment obligation, privacy obligation, brokerage obligation, account agreement, or third-party right caused by Customer's submission or use of such information.

Nothing in this Section limits Provider's obligations, if any, under Applicable Law, the Privacy Policy, this Agreement, or any applicable Enterprise Terms.

6.7 Sensitive Information Warning

Customer should review and remove unnecessary sensitive information before uploading files, screenshots, exports, or statements.

Customer should not upload full account numbers, login credentials, authentication codes, recovery phrases, government identification numbers, payment card numbers, tax identification numbers, or other highly sensitive information unless the relevant feature expressly requires it and Customer is legally authorized to provide it.

Provider does not need and does not request brokerage login credentials, trading passwords, one-time passwords, recovery phrases, or credentials for external financial accounts unless expressly stated in a separate authorized integration flow.

6.8 No Trading Authority

Uploading Portfolio Data or brokerage-related information does not authorize Provider to trade, execute transactions, manage assets, access brokerage accounts, provide investment advice, or act as a broker, adviser, fiduciary, custodian, or financial intermediary.

The Services may analyze, structure, summarize, or display Portfolio Data, but Customer remains solely responsible for all investment, trading, tax, accounting, legal, compliance, and financial decisions.

6.9 Provider Responsibility

Provider is not responsible for the content, accuracy, legality, quality, completeness, ownership, or authorization status of Customer Materials or Portfolio Data.

Provider does not verify whether Customer is authorized to upload or process any particular Portfolio Data, brokerage data, account data, screenshot, file, or third-party financial information.

6.10 Agent Processing

Customer acknowledges that Agents may process Customer Materials, Portfolio Data, prompts, instructions, files, uploaded content, AI inputs, AI Outputs, Usage Data, Provider Content, and information retrieved or generated through the Services in order to perform Agent Tasks.

Agent Tasks may involve multiple Sub-Agents, AI models, tool calls, retrieval steps, file-processing steps, OCR steps, third-party services, intermediate reasoning steps, generated drafts, structured data, logs, metadata, and temporary processing artifacts.

Customer is solely responsible for the instructions, materials, permissions, and data supplied to Agents, including ensuring that Customer has the right to submit such materials for processing by Provider, AI providers, OCR providers, infrastructure providers, and other relevant Third-Party Services.

Provider may store Agent Task inputs, outputs, logs, metadata, usage records, Sub-Agent usage records, intermediate artifacts, and related processing data for as long as reasonably necessary to provide the Services, calculate fees, troubleshoot issues, maintain security, improve reliability, prevent abuse, enforce this Agreement, comply with legal obligations, and as otherwise described in the Privacy Policy.

7. Provider Obligations, Availability, and Support

7.1 Service Availability

Provider will use commercially reasonable efforts to make the Services available during the Subscription Period.

The Services may be unavailable from time to time due to maintenance, updates, system failures, third-party dependencies, security issues, operational issues, or other reasons.

7.2 Planned Maintenance and Changes

Provider may modify, replace, suspend, or discontinue features, data sources, models, integrations, providers, processing methods, or functionality from time to time.

Provider will use commercially reasonable efforts to avoid materially reducing the core functionality of paid plans during the then-current Subscription Period, but Customer acknowledges that certain changes may be required due to security, legal, operational, vendor, model, data-provider, Challenge, or prize-compliance reasons.

7.3 Third-Party Services and Data Providers

Customer acknowledges that certain parts of the Services depend on Third-Party Services, including networks, hosting providers, payment providers, AI providers, market data vendors, file-processing providers, and data providers.

Provider is not responsible for outages, interruptions, delays, restrictions, inaccuracies, or unavailability caused by third parties outside Provider's reasonable control.

7.4 Support

Provider may offer support through the channels described on the website or within the Services.

Unless expressly agreed otherwise in writing, Provider does not guarantee response times, resolution times, or any specific service level.

7.5 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.

7.6 No SLA and No Service Credits

Unless expressly agreed otherwise in writing, the Services are provided on a best-efforts basis and no service level agreement applies.

Downtime, interruptions, or performance issues do not entitle Customer to refunds, credits, or service credits, except where required by Applicable Law.

7.7 Beta / Preview Features

Provider may label certain features, tools, models, data sets, or functionalities as beta, preview, experimental, early access, or similar.

Beta Features 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 its own risk, and Provider will have no liability arising from or related to Beta Features to the maximum extent permitted by Applicable Law.

7.8 Force Majeure

Provider will not be responsible for any failure or delay caused by events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, internet or telecommunications failures, cyberattacks, power failures, governmental actions, sanctions, third-party provider failures, market data provider failures, payment processor failures, or other events beyond Provider's reasonable control.

8. Provider Content, Data Accuracy, and Disclaimer

8.1 Informational Nature

The Services, Provider Content, AI Outputs, Portfolio Data analysis, Demo Trading features, Challenges, and Beta Features 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, Provider Content, AI Outputs, Portfolio Data analysis, Demo Trading features, Challenge results, or Beta Features.

8.2 No Guarantee of Accuracy, Completeness, or Timeliness

Provider does not guarantee that any data, charts, documents, reports, outputs, Portfolio Data analysis, AI Outputs, Demo Trading data, Challenge data, Challenge results, 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.

8.3 Sources, Processing, and Calculation Risk

Provider Content may be derived from public and private sources and may include estimates, normalized fields, classifications, model outputs, calculated metrics, OCR outputs, document extraction outputs, Challenge calculations, or AI-assisted processing.

Provider Content may contain errors, omissions, mismatches, calculation issues, formatting issues, outdated information, or inaccuracies, including due to source errors, processing assumptions, third-party dependencies, delayed data feeds, source restatements, currency conversion differences, market holidays, corporate actions, data mapping errors, OCR errors, document extraction errors, AI processing errors, caching, third-party provider outages, scoring assumptions, Challenge calculations, or changes in methodology.

8.4 Automated Processing

Provider may use automated systems, algorithms, models, OCR tools, extraction tools, scoring systems, anomaly-detection systems, or AI-assisted processes to collect, normalize, classify, calculate, summarize, structure, score, rank, or display Provider Content, Customer Materials, Portfolio Data, Demo Trading data, or Challenge data.

Such processes may produce errors, inconsistencies, or inaccurate outputs.

8.5 No Reliance; Customer Responsibility

Customer is solely responsible for verifying Provider Content, Portfolio Data analysis, Demo Trading results, Challenge results, and AI Outputs before relying on them for any decision, publication, external communication, investment analysis, business action, compliance process, filing, financial transaction, or other use.

Customer must use independent judgment and, where appropriate, consult qualified professionals.

Provider is not responsible for decisions made based on Provider Content, Portfolio Data analysis, Demo Trading results, Challenge results, AI Outputs, or the Services.

8.6 No Professional Compliance Reliance

The Services are not designed to satisfy Customer's legal, regulatory, tax, accounting, audit, disclosure, filing, compliance, brokerage, investment-advisory, or recordkeeping obligations.

Customer is solely responsible for ensuring that its use of the Services and any outputs complies with all applicable obligations.

8.7 Demo Trading and Challenge Data Disclaimer

Demo Trading data, Simulated Orders, Demo Portfolio values, virtual balances, hypothetical returns, simulated gains and losses, paper-trading performance, Challenge rankings, Challenge scores, and Challenge results may be inaccurate, incomplete, delayed, calculated using assumptions, or materially different from real market results.

Provider does not guarantee that simulated transactions, Challenge results, or Demo Portfolio performance reflect real-world execution quality, liquidity, prices, fees, slippage, taxes, market impact, corporate actions, trading restrictions, or real-money performance.

8.8 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, accuracy, availability, and any warranties arising from course of dealing or usage of trade.

8.9 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.

8.10 Agent Output Disclaimer

Agent outputs may be generated using AI models, Sub-Agents, automated systems, third-party services, retrieval tools, file-processing tools, OCR, market data, Provider Content, Customer Materials, or other inputs. Agent outputs may be inaccurate, incomplete, outdated, misleading, duplicated, non-unique, delayed, or unsuitable for Customer's intended purpose.

Agents may fail to complete tasks, misunderstand instructions, use incorrect assumptions, omit relevant information, retrieve inaccurate information, produce incorrect calculations, generate inappropriate or incomplete outputs, or take longer than expected.

Customer is solely responsible for reviewing, verifying, editing, approving, and independently validating all Agent outputs before relying on them, publishing them, sharing them, using them externally, or making any decision based on them.

9. No Investment, Trading, Legal, Tax, or Professional Advice

9.1 Informational Purpose

Provider does not provide investment, trading, legal, tax, accounting, compliance, regulatory, audit, or other professional advice.

The Services, Provider Content, AI Outputs, Demo Trading features, portfolio-related features, Challenge features, Challenge results, and communications by Provider are provided for informational and educational purposes only.

9.2 No Offer, Solicitation, or Recommendation

Nothing in the Services, Provider Content, AI Outputs, Demo Trading features, Portfolio Data analysis, Challenge results, or any communications by Provider constitutes:

• an offer, solicitation, or invitation to buy or sell any security, derivative, digital asset, or other financial instrument;
• a recommendation, endorsement, rating, or opinion regarding any investment, trading strategy, portfolio allocation, or transaction;
• personalized advice based on Customer's circumstances;
• regulated financial research or investment advice;
• legal, tax, accounting, audit, compliance, or regulatory advice.

9.3 No Regulated Adviser Status

Provider is not registered or licensed as an investment adviser, broker-dealer, portfolio manager, financial analyst, investment research provider, exchange, trading venue, custodian, clearing firm, financial intermediary, or regulated financial institution unless expressly stated otherwise in writing.

9.4 No Suitability Assessment

Provider does not assess Customer's investment objectives, financial situation, risk tolerance, regulatory status, tax position, or suitability.

9.5 Social Media

Any content shared or published by Provider on official channels, including LinkedIn, X, Instagram, TikTok, Reddit, or other platforms, 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, strategies, Challenges, or Challenge winners are illustrative and informational.

9.6 Fiduciary Relationship

Customer acknowledges that Provider does not act as a broker, dealer, investment adviser, fiduciary, portfolio manager, custodian, or financial intermediary, and no fiduciary duty is created by access to or use of the Services, Provider Content, Portfolio Data analysis, Demo Trading features, Challenge features, or AI Outputs.

9.7 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 Law and should consult qualified professionals before making any decision.

9.8 AI-Generated Content

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.

AI Outputs may use investment-related language, rankings, scores, classifications, or summaries, but such outputs remain informational only and must not be treated as personalized advice, research recommendation, rating, or investment recommendation.

9.9 AI Output Risk

AI Outputs may be inaccurate, incomplete, outdated, misleading, non-unique, or unsuitable for Customer's intended purpose.

Similar or identical AI Outputs may be generated for other users.

Customer is solely responsible for reviewing, validating, and independently verifying AI Outputs before relying on them, publishing them, sharing them, or using them in any decision-making process.

9.10 Portfolio Analysis Disclaimer

Any portfolio analysis, allocation analysis, performance analysis, risk analysis, transaction analysis, broker statement analysis, or similar output generated by the Services is informational only.

Provider does not verify the accuracy, completeness, or timeliness of uploaded Portfolio Data, broker statements, screenshots, transaction histories, holdings, balances, or other financial records.

Provider does not provide portfolio management, investment advice, trading advice, suitability analysis, fiduciary services, custody services, brokerage services, tax advice, accounting advice, legal advice, compliance advice, or regulatory advice.

Customer remains solely responsible for verifying all Portfolio Data and outputs before relying on them.

9.11 Demo Trading Is Not Trading Advice

Demo Trading features are not investment advice, trading advice, portfolio management, brokerage, execution, custody, financial planning, tax advice, legal advice, accounting advice, or a recommendation to buy, sell, hold, or trade any financial instrument.

Any simulated order, model portfolio, strategy, ranking, score, AI Output, or portfolio analysis displayed through Demo Trading features is informational and educational only.

Customer must not treat Demo Trading results as a recommendation, guarantee, prediction, or instruction.

9.12 Challenge Results Are Not Investment Advice

Challenge results, rankings, Demo Portfolio performance, simulated returns, risk-adjusted metrics, or Prize-winning strategies are informational and promotional only.

They do not represent investment advice, trading advice, verified performance, audited returns, real-money performance, financial promotion, suitability analysis, or a recommendation.

Customer must not represent Challenge results as real trading performance, audited performance, guaranteed performance, or investment advice.

9.13 Illustrative Content

Any examples, forecasts, scenarios, model outputs, signals, backtests, Demo Trading results, Challenge results, or hypothetical performance shown in the Services are illustrative only and may be inaccurate, incomplete, or based on assumptions.

Past performance, whether actual or simulated, is not indicative of future results. Provider does not guarantee any outcome.

9.14 Decisions and Transactions Liability

Customer remains solely responsible for all decisions, actions, omissions, transactions, trades, investments, portfolio allocations, tax positions, legal positions, accounting treatment, compliance decisions, business decisions, and communications made based on or related to use of the Services, Provider Content, social media content, AI Outputs, Demo Trading features, Challenge results, Portfolio Data, broker uploads, reports, charts, rankings, scores, or analytics.

Provider is not responsible for any financial transaction, investment decision, trading decision, portfolio decision, tax consequence, legal consequence, accounting consequence, regulatory consequence, business loss, trading loss, investment loss, missed opportunity, or other outcome, subject only to liability that cannot be excluded under Applicable Law.

10. Demo Trading, Simulated Portfolios, and Paper Trading

10.1 Demo Trading Only

The Services may include Demo Trading, Simulated Trading, paper-trading, virtual-portfolio, model-portfolio, or hypothetical-trading features.

These features are provided for informational, educational, analytical, testing, and product-experience purposes only.

Demo Trading does not involve real money, real securities transactions, real order routing, real brokerage services, real custody, real clearing, real settlement, or real execution of trades.

10.2 No Brokerage, Execution, Custody, or Trading Facility

Provider is not a broker, dealer, investment adviser, exchange, trading venue, custodian, clearing firm, portfolio manager, financial intermediary, or execution venue.

Provider does not:

• execute, route, transmit, clear, settle, or place real orders;
• hold, custody, safeguard, or control Customer funds, securities, financial instruments, or digital assets;
• open brokerage accounts;
• connect to Customer brokerage accounts for trade execution unless expressly stated in a separate authorized integration;
• provide execution-only brokerage services;
• provide discretionary portfolio management;
• provide personalized investment, trading, tax, legal, accounting, or financial advice.

Any Simulated Orders or Demo Portfolio activity shown in the Services is hypothetical and non-binding.

10.3 No Real Gains or Losses

Demo Trading results, simulated profits, simulated losses, virtual balances, model returns, paper-trading performance, portfolio metrics, rankings, scores, or similar outputs do not represent real gains, real losses, real assets, real liabilities, or real account balances.

Customer cannot withdraw, redeem, transfer, exchange, cash out, or otherwise monetize simulated balances, simulated profits, virtual positions, or Demo Portfolio values unless Provider expressly states otherwise in separate written promotional terms or Challenge Rules.

10.4 Simulated Data and Execution Assumptions

Demo Trading may rely on delayed, estimated, incomplete, derived, calculated, adjusted, or third-party market data.

Simulated Orders may be processed using assumptions that differ materially from real market conditions, including assumptions regarding price, liquidity, spreads, slippage, fees, commissions, taxes, market impact, order priority, corporate actions, currency conversion, trading halts, market hours, fractional shares, data delays, and execution availability.

Provider does not guarantee that any Simulated Order would have been executable in real markets at the displayed price, time, size, or terms.

10.5 Hypothetical Performance Disclaimer

Demo Trading, backtests, model portfolios, virtual portfolios, simulated results, and hypothetical performance are inherently limited and may not reflect actual market conditions or actual investment outcomes.

Hypothetical or simulated performance may benefit from hindsight, simplified assumptions, incomplete data, omitted costs, or model limitations.

Past performance, simulated performance, backtested performance, model performance, or hypothetical performance is not indicative of future results.

10.6 No Recommendation or Suitability Assessment

Demo Trading features may display securities, watchlists, rankings, scores, analytics, model portfolios, simulated transactions, AI Outputs, or portfolio-related insights.

Such information is not investment advice, trading advice, a recommendation, a solicitation, a financial promotion, a suitability assessment, or an instruction to buy, sell, hold, or trade any security, financial instrument, digital asset, or other asset.

Customer remains solely responsible for all real-world investment, trading, tax, legal, accounting, compliance, and financial decisions.

10.7 Customer Responsibility for Demo Trading Activity

Customer is solely responsible for any Demo Portfolio, Simulated Order, strategy, watchlist, assumption, input, uploaded data, or output created through the Services.

Customer must independently verify all information before making any real-world decision.

Customer must not treat Demo Trading outputs as a substitute for professional advice, brokerage services, regulated research, suitability analysis, risk assessment, tax advice, legal advice, accounting advice, or compliance review.

10.8 No Live Trading or External Execution

Unless Provider expressly states otherwise in separate written terms, Demo Trading features do not place real orders with any broker, exchange, trading venue, custodian, wallet, bank, or financial institution.

Customer must not assume that any action taken in a Demo Portfolio has any effect outside the Services.

Customer is solely responsible for any separate action Customer takes with a broker, exchange, bank, custodian, wallet, financial adviser, or other third party.

10.9 Demo Trading Availability and Modification

Provider may modify, suspend, reset, delete, limit, or discontinue Demo Trading features, Demo Portfolios, Simulated Orders, virtual balances, rankings, leaderboards, or related data at any time for operational, legal, regulatory, security, data-provider, product, Challenge, or business reasons.

Provider is not responsible for preserving Demo Portfolio history, simulated results, or virtual balances unless expressly agreed in writing.

10.10 Skill-Based German-Only Challenges

Provider may from time to time offer skill-based Challenges, including Portfolio Challenges, Trading Challenges, Demo Trading competitions, leaderboards, rewards, badges, promotions, Prizes, or similar events.

Unless expressly stated otherwise in the applicable Challenge Rules, Challenges are offered only to Eligible German Participants and are based on Demo Trading performance, simulated portfolio performance, objective performance metrics, real market data, portfolio metrics, risk-adjusted metrics, and other measurable criteria.

Challenges do not involve random winner selection, luck, betting, wagering, gambling, lottery, raffle, sweepstakes, real trading, real order execution, real custody, real brokerage services, or real investment management.

Each Challenge is subject to this Agreement and any applicable Challenge Rules. If there is a conflict between this Agreement and the Challenge Rules, the Challenge Rules control for that Challenge only.

Provider may modify, suspend, cancel, extend, or terminate any Challenge at any time where necessary for legal, regulatory, operational, technical, fraud-prevention, security, fairness, data-provider, or business reasons.

Provider may disqualify users, adjust rankings, correct scoring, withhold Prizes, recover Prizes, cancel results, or require return of Prizes where Provider reasonably suspects fraud, abuse, manipulation, multiple accounts, automation, credential sharing, prohibited conduct, technical error, inaccurate data, breach of this Agreement, breach of Challenge Rules, or violation of Applicable Law.

10.11 Demo Trading Data

Provider may store, process, analyze, display, and use Demo Trading activity, Demo Portfolios, Simulated Orders, virtual balances, watchlists, hypothetical transactions, strategy settings, and related Usage Data to provide the Services, maintain account functionality, generate analytics, improve reliability, prevent abuse, troubleshoot errors, enforce this Agreement, administer Challenges, and comply with legal obligations.

Demo Trading data may be combined with Customer Materials, Portfolio Data, AI inputs, AI Outputs, market data, Challenge data, and Usage Data to provide features requested by Customer, subject to the Privacy Policy.

11. German-Only Skill-Based Portfolio Challenges, Trading Challenges, and Prizes

11.1 German-Only Challenges

Provider may from time to time host, sponsor, or make available skill-based Portfolio Challenges, Trading Challenges, Demo Trading competitions, leaderboards, contests, tournaments, promotions, or similar events.

Unless expressly stated otherwise in the applicable Challenge Rules, Challenges are offered only to Eligible German Participants.

Challenges are not open to residents, citizens, users, or participants outside Germany unless expressly permitted in the applicable Challenge Rules and only where legally permitted.

Provider may reject, suspend, disqualify, or remove any participant who does not satisfy the German citizenship, age, identity, account, verification, jurisdiction, tax, compliance, or other eligibility requirements.

11.2 Skill-Based Competition; No Luck or Chance

Challenges are intended to be skill-based competitions based on Demo Trading performance, simulated portfolio performance, objective performance metrics, risk-adjusted metrics, strategy metrics, analytics, account activity, compliance with Challenge Rules, and other measurable criteria stated in the applicable Challenge Rules.

Winner selection is not based on luck, random draw, lottery, raffle, sweepstakes, betting, wagering, gambling, or chance.

Provider will not select winners randomly unless a separate legally compliant mechanism is expressly stated in the Challenge Rules and approved where required by Applicable Law.

11.3 Challenge Rules Apply

Each Challenge is subject to this Agreement and the applicable Challenge Rules.

Challenge Rules may include:

• eligibility criteria;
• German citizenship and residency or location requirements;
• age requirements;
• identity verification requirements;
• tax documentation requirements;
• start and end dates;
• scoring methodology;
• performance metrics;
• risk-adjustment rules;
• ranking rules;
• permitted instruments;
• permitted strategies;
• prohibited conduct;
• entry limits;
• tie-break rules;
• prize descriptions and prize values;
• prize claim procedures;
• disqualification rules;
• publication or winner-announcement rules.

Customer must review and comply with the applicable Challenge Rules before participating.

If there is a conflict between this Agreement and the Challenge Rules, the Challenge Rules control for that Challenge only.

11.4 Simulated Activity Only

Unless expressly stated otherwise in the applicable Challenge Rules, Challenges are based only on Demo Trading, Simulated Orders, Demo Portfolios, virtual balances, model portfolios, hypothetical performance, real-world market data, other objective market or portfolio metrics, or other simulated activity.

Participation in a Challenge does not involve real money trading, real securities transactions, real brokerage, real execution, real custody, real clearing, real settlement, or real portfolio management by Provider.

11.5 No Gambling, Betting, Wagering, Lottery, Raffle, or Sweepstakes

Challenges are intended to be skill-based, educational, promotional, analytical, and product-experience activities.

Challenges are not intended to constitute gambling, betting, wagering, lottery, raffle, sweepstakes, game of chance, commercial gaming, or any other regulated gaming activity.

Customer must not stake, wager, risk, deposit, or pay money or anything of value as a bet in connection with any Challenge.

Provider may restrict, suspend, cancel, restructure, or refuse participation in any Challenge where Provider determines that the Challenge or Customer's participation may create legal, regulatory, gaming, gambling, financial-promotion, sanctions, tax, operational, or reputational risk.

11.6 No Purchase as Stake or Wager

If a Challenge is offered only to subscribers, the subscription fee is paid for access to the Services and not as a wager, stake, bet, lottery ticket, entry fee for chance to win, or payment for a random prize opportunity.

Where required by Applicable Law, Provider may provide a no-purchase or alternative method of entry, restrict eligibility, or cancel or modify the Challenge.

11.7 Compliance and Verification

Challenges may be subject to legal, regulatory, promotional, tax, advertising, financial-services, consumer-protection, or other requirements.

Provider may require identity verification, German citizenship verification, age verification, residency or location verification, tax documentation, account verification, eligibility declarations, or other checks before allowing participation, confirming winners, or awarding Prizes.

Provider has no obligation to allow participation, confirm a winner, or award any Prize where doing so would violate Applicable Law, regulatory guidance, third-party terms, internal compliance requirements, or the applicable Challenge Rules.

11.8 Eligibility Restrictions

Provider may limit Challenge participation based on German citizenship, age, jurisdiction, residency, location, user type, subscription plan, account status, identity verification, tax status, employee or affiliate status, regulatory status, sanctions status, or other criteria stated in the Challenge Rules.

Provider employees, contractors, affiliates, partners, vendors, and their immediate family members may be excluded from participating or winning Prizes unless expressly permitted by the Challenge Rules.

Customer must not participate in a Challenge if participation is prohibited under any law, rule, regulation, employer policy, contractual obligation, broker agreement, professional obligation, tax restriction, or other restriction applicable to Customer.

11.9 Scoring, Metrics, Rankings, and Winner Determination

Challenge scoring, rankings, winner determination, and Prize allocation will be determined according to the applicable Challenge Rules.

Provider may use Demo Trading data, Simulated Orders, Demo Portfolios, virtual balances, real-world market data, market prices, portfolio metrics, transaction data, timestamps, risk metrics, drawdown metrics, volatility metrics, return metrics, account activity, AI-assisted analysis, or other objective data to calculate results.

Provider may design Challenge scoring to account for risk, volatility, leverage, drawdowns, concentration, trading frequency, rule compliance, or other factors.

Provider's calculations may be affected by data delays, errors, corporate actions, market closures, missing data, technical issues, third-party provider issues, currency conversion, scoring assumptions, or other factors.

Provider may correct errors, adjust scores, rerun calculations, resolve ties, review suspicious activity, and make final determinations regarding winners, rankings, and Prize eligibility, subject to Applicable Law.

11.10 Real Metrics and Market Data

Challenges may use real market data, real security prices, real financial metrics, real company metrics, or other real-world data as inputs for scoring or analytics.

Use of real-world data does not mean that real trading occurs, that Provider executes transactions, or that Challenge performance reflects real-money performance.

Real market data and financial metrics may be delayed, incomplete, adjusted, restated, inaccurate, or unavailable.

11.11 Fair Competition, No Insider Information, and No Unfair Data Advantage

Customer must participate in Challenges fairly and in good faith.

Customer must not use any information, data source, tool, relationship, access right, or other advantage that creates an unfair advantage over other participants or undermines the integrity of the Challenge.

Without limitation, Customer must not:

• use material non-public information, insider information, confidential issuer information, broker information, order-flow information, unpublished research, embargoed information, or any other information that Customer is not legally permitted to use;
• use information obtained through employment, advisory relationships, fiduciary relationships, issuer relationships, broker relationships, market-data relationships, professional obligations, contractual obligations, or confidentiality obligations where such use would be unlawful, unfair, or prohibited;
• exploit delayed, incomplete, stale, or adjusted securities prices, market data, financial metrics, or other data displayed in the Services by using real-time, faster, premium, direct-feed, professional, exchange, broker, terminal, or other external market data sources to gain an unfair advantage;
• place Simulated Orders or make Demo Trading decisions based on external real-time market data where the relevant Challenge is intended to use delayed or standardized market data provided through the Services;
• exploit time-zone differences, market-opening delays, stale quotes, corporate-action timing, data refresh delays, price-feed errors, currency conversion delays, or other data-timing issues to obtain an unfair advantage;
• use automation, scripts, bots, alerts, external feeds, data scraping, APIs, coordinated activity, or other technical means to gain an unfair advantage or to react faster than reasonably possible through normal human use of the Services;
• coordinate with other participants, share accounts, pool information, collude, manipulate rankings, manipulate simulated prices, or otherwise distort Challenge results;
• exploit bugs, calculation errors, scoring errors, market-data errors, or system vulnerabilities instead of promptly reporting them to Provider.

Provider may determine, in its reasonable discretion, whether conduct creates an unfair advantage, undermines fair competition, or violates the applicable Challenge Rules.

Provider may require participants to confirm that they did not use insider information, prohibited external data, unfair market-data advantages, automation, collusion, or other prohibited methods.

Provider may disqualify participants, adjust scores, cancel Simulated Orders, reset Demo Portfolios, withhold or recover Prizes, suspend accounts, terminate access, or take other appropriate action where Provider reasonably suspects unfair conduct, misuse of data timing, insider information, manipulation, collusion, automation, or breach of this Agreement or Challenge Rules.

11.12 Challenge Integrity Review, Statistical Anomalies, and Corrective Actions

Provider may monitor, review, audit, and analyze Challenge activity to protect fair competition, prevent abuse, detect manipulation, and preserve the integrity of the Challenge.

Provider may use manual review, automated systems, statistical analysis, anomaly detection, timing analysis, order-pattern analysis, market-data comparison, device/session review, account review, and other reasonable methods to identify potential unfair advantages, prohibited conduct, suspicious activity, or statistically implausible performance patterns.

Provider does not need to prove actual misconduct, intent, or access to prohibited information in order to take corrective action. Where Provider reasonably determines that activity is suspicious, statistically implausible, inconsistent with fair competition, indicative of unfair advantage, or likely to undermine the integrity of a Challenge, Provider may take action even if there is no direct evidence of wrongdoing.

Corrective actions may include, without limitation:

• removing Customer from Prize eligibility or any eligible Prize pool;
• disqualifying Customer from the Challenge;
• withholding, delaying, reducing, substituting, or cancelling a Prize;
• requiring return or repayment of any Prize already awarded, to the extent permitted by Applicable Law;
• adjusting, recalculating, or correcting Customer's score, ranking, performance, return, risk metric, or Challenge result;
• cancelling, reversing, excluding, or disregarding specific Simulated Orders, transactions, positions, returns, or Demo Portfolio activity;
• resetting Customer's Demo Portfolio, Challenge performance, virtual balance, ranking, or score to an earlier point in time before the suspected unfair advantage, suspicious activity, data-timing exploit, or prohibited conduct occurred;
• resetting Customer's Challenge participation to zero or requiring Customer to restart the Challenge;
• excluding one or more securities, instruments, transactions, time periods, metrics, or data points from scoring;
• placing Customer under review or requiring additional information, declarations, identity verification, citizenship verification, data-source declarations, or other eligibility checks;
• restricting, suspending, or terminating Customer's access to the Challenge or Services;
• cancelling, suspending, or rerunning part or all of a Challenge where necessary to preserve fairness.

Provider may take corrective action based on reasonable suspicion, statistical plausibility, anomaly detection, risk indicators, or integrity concerns, and such action does not require Provider to establish that Customer intentionally violated this Agreement or the Challenge Rules.

Provider's integrity determinations, scoring adjustments, Prize eligibility decisions, and corrective actions are final and binding to the maximum extent permitted by Applicable Law.

Provider may, but is not obligated to, provide Customer with an explanation, opportunity to respond, or appeal process unless required by Applicable Law or expressly stated in the Challenge Rules.

Provider will not be liable for any loss, disappointment, expected Prize, ranking change, reputational harm, or other consequence resulting from corrective action taken in good faith to protect Challenge integrity, subject only to liability that cannot be excluded under Applicable Law.

11.13 Prizes

Prizes, if any, will be described in the applicable Challenge Rules.

Prizes may include money or items of monetary or non-monetary value, subject to Applicable Law, verification, tax documentation, eligibility, and Challenge Rules.

Prizes may be substituted, delayed, withheld, reduced, or cancelled where necessary due to legal, regulatory, tax, operational, fraud-prevention, sanctions, payment, identity-verification, citizenship-verification, Challenge integrity, or other compliance reasons.

Prizes are not transferable unless expressly permitted by Provider.

Provider may require winners to complete identity verification, German citizenship verification, tax forms, eligibility confirmations, publicity releases, declarations, or other documentation before receiving a Prize.

Failure to complete required documentation or verification within the stated deadline may result in forfeiture of the Prize.

11.14 Taxes and Reporting

Customer is solely responsible for any taxes, duties, levies, reporting obligations, filings, declarations, or other governmental charges arising from or related to participation in a Challenge or receipt of any Prize.

Provider may withhold, report, deduct, or require documentation regarding Prizes where required by Applicable Law.

Provider does not provide tax, legal, accounting, regulatory, or financial advice regarding Prizes or Challenge participation.

11.15 Fraud, Abuse, and Manipulation

Customer must not manipulate, exploit, falsify, or interfere with any Challenge, leaderboard, scoring system, Demo Portfolio, Simulated Order, virtual balance, Prize process, eligibility process, metric, or market-data input.

Prohibited conduct includes:

• multiple accounts;
• credential sharing;
• automation;
• bots or scripts;
• collusion;
• wash-like simulated activity;
• market-data manipulation;
• data manipulation;
• exploiting bugs;
• circumventing limits;
• misleading external publications;
• false identity, citizenship, tax, or eligibility information;
• any conduct Provider considers unfair, abusive, deceptive, manipulative, or contrary to the Challenge Rules;
• using real-time, faster, premium, direct-feed, professional, exchange, broker, terminal, or other external market data to exploit delayed, stale, incomplete, or standardized data within the Services.

Provider may treat statistically implausible performance, unusual trading patterns, repeated timing advantages, abnormal returns shortly after delayed data events, concentrated gains around stale quotes, suspicious account/device/session activity, or other anomaly indicators as evidence of potential unfair advantage or Challenge manipulation, even where no direct evidence of intent or misconduct is available.

Provider may disqualify Customer, suspend access, cancel results, adjust rankings, reset performance, withhold or recover Prizes, and take any other action permitted under this Agreement or Applicable Law.

11.16 Publicity and Winner Announcements

Where permitted by Applicable Law and the applicable Challenge Rules, Provider may publish winner names, usernames, rankings, jurisdictions, Demo Portfolio results, Challenge results, or Prize information.

Provider will handle personal data in accordance with the Privacy Policy.

Where required by law, Provider may request Customer's consent before using Customer's name, likeness, username, statements, or other identifying information for promotional purposes.

11.17 No Reliance on Challenge Results

Challenge results, rankings, Demo Portfolio performance, simulated returns, risk-adjusted metrics, or Prize-winning strategies are informational and promotional only.

They do not represent investment advice, trading advice, verified performance, audited returns, real-money performance, financial promotion, suitability analysis, or a recommendation.

Customer must not represent Challenge results as real trading performance, audited performance, guaranteed performance, or investment advice.

11.18 Challenge Cancellation and No Liability

Provider may cancel, suspend, postpone, modify, or terminate any Challenge where necessary due to legal, regulatory, technical, operational, fraud-prevention, security, fairness, third-party provider, market-data, Challenge integrity, or business reasons.

To the maximum extent permitted by Applicable Law, Provider is not liable for any loss, expense, disappointment, missed opportunity, expected Prize, reputational harm, tax consequence, regulatory consequence, or other damage arising from or related to Challenge participation, Challenge modification, Challenge cancellation, scoring errors, ranking changes, disqualification, Prize substitution, Prize delay, Prize withholding, Prize recovery, Prize forfeiture, performance reset, or corrective action.

11.19 Survival

This Section survives cancellation, suspension, termination, account closure, Challenge completion, Prize award, and discontinuation of the Services.

12. No Responsibility for Financial Transactions

12.1 Customer Solely Responsible for Financial Transactions

Customer is solely responsible for all financial, investment, trading, brokerage, banking, tax, accounting, legal, business, portfolio, and other transactions or decisions made by Customer or any third party, whether or not such transactions or decisions are based on, influenced by, or related to the Services, Provider Content, AI Outputs, Demo Trading features, Challenge results, Portfolio Data, broker uploads, reports, charts, analytics, alerts, rankings, scores, or other information made available through the Services.

12.2 No Execution, Routing, Custody, or Transaction Authority

Provider does not execute, route, transmit, recommend, approve, validate, authorize, clear, settle, cancel, reverse, monitor, or manage any real-world financial transaction.

Provider does not hold, custody, safeguard, control, transfer, or manage Customer funds, securities, financial instruments, digital assets, bank accounts, brokerage accounts, wallets, or other assets.

Provider has no authority to act on behalf of Customer with respect to any broker, bank, exchange, custodian, trading venue, adviser, portfolio manager, wallet provider, financial institution, or other third party.

12.3 No Responsibility for Customer Actions Outside the Services

Customer is solely responsible for any action Customer takes outside the Services, including:

• placing, modifying, cancelling, or failing to place any trade or order;
• buying, selling, holding, transferring, depositing, withdrawing, or exchanging any asset;
• using any broker, bank, exchange, custodian, wallet, trading platform, adviser, or financial institution;
• relying on any Provider Content, AI Output, Demo Trading result, Challenge result, Portfolio Data, alert, chart, report, ranking, score, analysis, or other information;
• sharing, publishing, or communicating any output or analysis to third parties;
• making tax, accounting, legal, compliance, regulatory, business, or portfolio decisions.

12.4 No Liability for Transaction Outcomes

To the maximum extent permitted by Applicable Law, Provider is not liable for any loss, damage, cost, expense, claim, penalty, tax consequence, regulatory consequence, missed opportunity, lost profit, trading loss, investment loss, portfolio loss, execution loss, slippage, market movement, liquidity issue, order error, broker error, platform error, or other consequence arising from or related to any financial transaction, investment decision, trading decision, portfolio decision, or other action taken by Customer or any third party.

12.5 No Duty to Monitor or Warn

Provider has no obligation to monitor Customer's portfolio, brokerage data, Demo Portfolio, Simulated Orders, Challenge activity, uploaded files, alerts, watchlists, AI Outputs, financial decisions, or transactions.

Provider has no obligation to warn Customer about market movements, risks, losses, tax consequences, regulatory consequences, margin calls, liquidity issues, corporate actions, trading restrictions, account restrictions, broker errors, or any other event affecting Customer's financial position.

12.6 Broker and Third-Party Financial Services

Any real-world financial transaction is between Customer and the relevant broker, bank, exchange, custodian, wallet provider, adviser, financial institution, or other third party.

Provider is not responsible for the acts, omissions, fees, restrictions, failures, insolvency, outages, errors, policies, terms, execution quality, custody practices, tax reporting, statements, data, or services of any broker, bank, exchange, custodian, wallet provider, adviser, financial institution, or other third party.

12.7 Portfolio Data Does Not Create Responsibility

Processing, structuring, storing, analyzing, displaying, summarizing, or generating insights from Portfolio Data, broker statements, account screenshots, transaction histories, holdings, balances, or other financial records does not create any responsibility by Provider for Customer's portfolio, assets, transactions, financial condition, investment strategy, tax position, reporting obligations, or regulatory obligations.

12.8 Survival

This Section survives cancellation, suspension, termination, account closure, and discontinuation of the Services.

13. Intellectual Property

13.1 Ownership

Provider and its licensors retain all right, title, and interest in and to the Services and Provider Content, including 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.

13.2 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.

13.3 Sharing and Attribution

Customer may share Provider Content only as expressly permitted under this Agreement.

Any rights to share Provider Content are conditional on complying with attribution, watermark, rights notice, third-party restriction, limited-sharing, and non-misleading-use requirements.

13.4 Restrictions

Except as expressly permitted by this Agreement, Customer must not, and must not permit any third party to:

• copy, reproduce, distribute, sell, resell, rent, lease, sublicense, or commercially exploit the Services or Provider Content;
• create derivative works from, modify, translate, or adapt the Services or Provider Content, except for permitted formatting changes;
• remove, obscure, or alter any watermark, attribution line, copyright notice, proprietary legend, or other rights notice;
• use Provider Content to build, train, benchmark, evaluate, or improve any competing product or service, or to create a competing database, dataset, model, or analytics service;
• register or claim any intellectual property rights in Provider Content or any portion of the Services;
• use Provider's trademarks, logos, or brand elements except to provide truthful source attribution consistent with this Agreement and any brand guidelines Provider may publish.

13.5 Customer Materials License

Customer retains ownership of Customer Materials, subject to Provider's rights in the Services, Provider Content, and Provider technology.

Customer grants Provider a limited, worldwide, non-exclusive, royalty-free license to host, store temporarily, copy, transmit, process, parse, extract, analyze, display, structure, and use Customer Materials and Portfolio Data solely as necessary to provide, maintain, secure, monitor, troubleshoot, support, and improve the Services, comply with legal obligations, and enforce this Agreement.

For clarity, "improve the Services" may include debugging, quality assurance, abuse prevention, security monitoring, performance monitoring, feature improvement, and reliability improvement, but does not include using private Customer Materials or private Portfolio Data to train Provider's own AI models unless expressly disclosed and, where required by law, consented to or otherwise permitted by Applicable Law.

13.6 AI Output Ownership and Non-Uniqueness

Subject to Customer's compliance with this Agreement, Provider does not claim ownership of Customer-specific AI Outputs generated from Customer Materials.

However, Customer acknowledges that AI Outputs may not be protectable by intellectual property rights, may be similar or identical to outputs generated for other users, and may include or be based on Provider Content, third-party content, or public information subject to separate rights and restrictions.

13.7 Feedback

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

13.8 IP Complaints

If you believe content available through the Services infringes your rights, contact support@catcapital.ai with sufficient information for us to review the claim.

Provider may remove or disable access to content alleged to infringe third-party rights and may suspend repeat infringers.

14. Third-Party Services and Data Providers

14.1 Third-Party Services

The Services may integrate with, depend on, or use Third-Party Services, including hosting providers, payment processors, AI providers, OCR providers, data providers, analytics providers, security providers, file-processing providers, and communication tools.

Provider is not responsible for Third-Party Services except to the extent required by Applicable Law.

14.2 Third-Party Data

Some Provider Content may be supplied by third-party data providers, exchanges, market data vendors, public sources, or other third parties.

Such content may be subject to additional restrictions, delays, licensing terms, attribution requirements, audit rights, user classification requirements, or redistribution limits.

Customer must comply with any third-party data restrictions displayed in the Services, Documentation, checkout page, order form, Challenge Rules, or applicable notice.

Provider may suspend or restrict access to third-party data if required by a provider, law, regulation, or license.

14.3 Market Data Compliance

Customer may be required to provide additional information, complete declarations, accept third-party market data terms, or cooperate with reasonable compliance checks or audits required by market data vendors, exchanges, regulators, or licensors.

Customer must not misrepresent user status, professional status, location, entity type, or intended use where such information is required for market data access or pricing.

15. API Access

15.1 No General API Availability

API access is not currently included in standard subscriptions and is not generally available unless expressly offered, enabled, purchased, or agreed by Provider in writing.

Provider has no obligation to launch, maintain, or provide API access in the future.

Nothing in this Agreement grants Customer a right to API access unless API access is included in Customer's plan, order form, Enterprise Terms, or other written agreement with Provider.

15.2 Future API Access

Any future API access may be subject to separate pricing, technical limits, usage restrictions, documentation, and additional terms.

If Provider offers API access in the future, Customer must comply with Provider's API documentation, rate limits, authentication requirements, technical restrictions, and any additional API terms.

15.3 API Restrictions

Customer must not:

• share API keys;
• expose API keys in client-side code or public repositories;
• bypass rate limits;
• cache or store Provider Content except as expressly permitted;
• use API access for bulk extraction or redistribution;
• use API access to create a competing product, dataset, model, database, or service.

15.4 API Suspension

Provider may suspend, rotate, revoke, throttle, or limit API keys at any time for security, abuse prevention, non-payment, excessive usage, suspected breach, operational reasons, or third-party provider restrictions.

16. No-Refund Policy

16.1 General

All Subscription Fees and Add-On fees are non-refundable and non-creditable, including fees paid in advance, fees for partial periods, unused time, accidental purchases, plan downgrades, service dissatisfaction, feature changes, temporary unavailability, lack of usage, Demo Trading resets, Challenge resets, or discontinued features, except where required by Applicable Law.

16.2 Consumer Rights

For consumers, this Section applies only to the maximum extent permitted by applicable consumer protection laws.

Nothing in this Agreement limits any non-waivable right to cancellation, refund, chargeback, or remedy that applies under mandatory law.

16.3 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 Customer has had the opportunity to evaluate the Services and authorizes Provider to charge the selected subscription plan.

16.4 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, except where required by Applicable Law.

16.5 Termination for Cause

If Provider suspends or terminates access due to Customer's breach, 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.

16.6 Chargebacks and Payment Disputes

Initiating a chargeback or payment dispute without first contacting Provider to attempt resolution may be treated as a material breach where permitted by Applicable Law.

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.

16.7 Enterprise Terms

For Enterprise Users, refund, cancellation, and payment terms may be modified by Enterprise Terms.

16.8 Agent Usage Fees

Agent Usage Fees are non-refundable and non-creditable except where required by Applicable Law. This includes fees for completed Agent Tasks, partially completed Agent Tasks, failed Agent Tasks, repeated Agent Tasks, Sub-Agent usage, overage usage, task retries, processing errors, unsatisfactory outputs, unused outputs, delayed outputs, or outputs that Customer chooses not to use.

Customer is responsible for reviewing Agent usage, usage settings, limits, and charges. Customer must promptly notify Provider of any billing dispute. Unless required by Applicable Law, failure to dispute Agent Usage Fees within thirty days after the relevant invoice, receipt, charge, or billing record is made available may waive Customer's right to dispute those charges.

17. Data Protection and Privacy

17.1 Privacy Policy

Provider collects and processes personal data in accordance with its Privacy Policy, available at [insert Privacy Policy URL], which is incorporated by reference into this Agreement.

If there is a conflict between this Agreement and the Privacy Policy regarding the processing of personal data, the Privacy Policy controls for privacy-specific matters. This Agreement controls for commercial, subscription, acceptable-use, intellectual-property, Challenge, and liability matters, unless Enterprise Terms state otherwise.

17.2 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, analyzing, and improving the Services, operating the business, complying with legal obligations, preventing fraud and abuse, enforcing this Agreement, administering Challenges, and communicating with Customer regarding the Services.

17.3 Payment Processing

To process payments, manage subscriptions, and prevent fraud, Provider may share certain Customer personal data with payment service providers, including Stripe, which may act as an independent controller or as a processor under its own terms.

Customer should review the privacy policies of applicable payment providers to understand how such providers process personal data.

17.4 Subprocessors and Service Providers

Provider may use third-party vendors, processors, subprocessors, and service providers, including hosting providers, analytics providers, customer support tools, email providers, security providers, payment providers, AI providers, OCR providers, file-processing providers, and infrastructure providers.

These may include OpenAI, xAI, Stripe, Meta, and other providers used to operate, secure, analyze, and improve the Services.

17.5 AI and Uploaded File Processing

Customer acknowledges that uploaded files, prompts, queries, messages, extracted content, AI inputs, AI Outputs, and related metadata may be processed by Provider and relevant third-party providers as described in the Privacy Policy.

17.6 Portfolio Data and Financial Private Data

Customer acknowledges that certain features may process private financial data, including Portfolio Data, broker statements, account screenshots, holdings, balances, transactions, allocations, performance data, account labels, and related metadata.

Such data may be uploaded, extracted, structured, stored, analyzed, displayed, and used to provide the requested Services.

Customer acknowledges that screenshots, PDFs, spreadsheets, exports, or other files containing Portfolio Data may be processed by third-party providers, including OCR providers, document extraction providers, AI providers such as OpenAI and xAI, cloud infrastructure providers, database providers, monitoring providers, and security providers.

Customer is responsible for ensuring that any Portfolio Data or financial private data submitted to the Services is submitted lawfully and with all required rights, permissions, consents, and authorizations.

17.7 Demo Trading and Challenge Data

Customer acknowledges that Demo Trading activity, Demo Portfolios, Simulated Orders, virtual balances, hypothetical transactions, strategy settings, watchlists, Challenge participation, Challenge rankings, Challenge scores, Challenge eligibility information, Challenge verification information, Prize information, fraud-prevention signals, anomaly indicators, and related Usage Data may be processed and stored by Provider to provide Demo Trading features, administer Challenges, determine winners, protect fair competition, prevent abuse, troubleshoot errors, enforce this Agreement and Challenge Rules, award Prizes, publish permitted winner information, and comply with legal obligations.

17.8 International Transfers

Customer acknowledges that personal data, Customer Materials, Portfolio Data, AI inputs, AI Outputs, Demo Trading data, and Challenge 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.

17.9 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.

17.10 Data Retention and Deletion

Provider retains personal data, Customer Materials, Portfolio Data, AI Outputs, Demo Trading data, Challenge data, and related metadata for as long as reasonably necessary to provide the Services, comply with legal obligations, resolve disputes, enforce agreements, support functionality, protect security, administer Challenges, award Prizes, and for legitimate business purposes.

Provider may delete, de-identify, or anonymize personal data, Customer Materials, Portfolio Data, AI Outputs, Demo Trading data, and Challenge data in accordance with the Privacy Policy and Applicable Law.

17.11 Customer Responsibilities

Customer is responsible for:

• maintaining accurate account information;
• securing login credentials and devices;
• ensuring that any personal data, Customer Materials, Portfolio Data, Demo Trading inputs, or Challenge information submitted to the Services are provided lawfully and in compliance with Applicable Law;
• obtaining all required consents, notices, permissions, authorizations, and legal bases.

17.12 Data Processing Addendum

If Customer is an Enterprise User and Applicable Law requires a data processing agreement, the parties may enter into Provider's then-current data processing addendum or another mutually agreed written data processing agreement.

17.13 Communications

Provider may send operational and administrative communications related to the Services, including billing, security, account notices, Challenge notices, Prize notices, and changes to the Services or this Agreement.

Marketing communications, where applicable, will be managed in accordance with the Privacy Policy and Applicable Law.

17.14 Agent Data

Customer acknowledges that Provider may process Agent-related data, including Agent Task instructions, prompts, Customer Materials, Portfolio Data, files, AI inputs, AI Outputs, Sub-Agent usage, task logs, execution metadata, usage records, billing records, error logs, tool usage, intermediate artifacts, and related Usage Data to provide Agents, calculate Agent Usage Fees, administer Free Agent Contingents, troubleshoot errors, maintain security, improve reliability, prevent abuse, enforce this Agreement, and comply with legal obligations.

18. Indemnification

Customer will defend, indemnify, and hold harmless Provider, its affiliates, officers, directors, employees, contractors, licensors, and service providers from and against any claims, damages, losses, liabilities, penalties, costs, and expenses, including reasonable legal fees, arising out of or related to:

• Customer Materials;
• Portfolio Data;
• Customer's use or misuse of the Services;
• Customer's breach of this Agreement;
• Customer's violation of Applicable Law;
• Customer's infringement, misappropriation, or violation of third-party rights;
• unauthorized access, credential sharing, scraping, automation, redistribution, or misuse of Provider Content;
• public posts, publications, or external communications using Provider Content, Portfolio Data, Demo Trading results, Challenge results, or AI Outputs;
• trading, investment, business, tax, legal, accounting, compliance, regulatory, or other decisions made using the Services;
• Customer's upload, submission, disclosure, request for analysis, structuring, storage, analysis, or processing of confidential, private, proprietary, personal, regulated, brokerage, portfolio, account, or third-party information through the Services without sufficient rights, permissions, consents, authorizations, or legal bases;
• Customer's use or misuse of Demo Trading features, including any misleading publication of simulated performance, unauthorized financial promotion, unauthorized investment advice, manipulation of demo results, or real-world trading, investment, tax, legal, accounting, or business decision made based on Demo Trading outputs;
• any real-world financial transaction, trade, investment, portfolio allocation, tax position, regulatory filing, compliance decision, legal position, accounting treatment, business decision, or external communication made by Customer or any third party based on or related to the Services, Provider Content, AI Outputs, Demo Trading features, Portfolio Data, broker uploads, reports, charts, rankings, scores, or analytics;
• Customer's participation in any Challenge, including any breach of Challenge Rules, manipulation of results, misleading publication of Challenge results, unlawful participation, false citizenship or eligibility information, tax reporting failure, regulatory breach, Prize dispute, or claim by any third party arising from Customer's Challenge participation or receipt of a Prize.

Provider may control the defense of any matter subject to indemnification.

Customer must cooperate with Provider and must not settle any claim without Provider's prior written consent if the settlement imposes any obligation, liability, or admission on Provider.

19. Limitation of Liability

19.1 Allocation of Risk

The Services, Provider Content, AI Outputs, Portfolio Data analysis, Demo Trading features, Challenges, Challenge results, Third-Party Services, and Beta Features are provided on an "AS IS" and "AS AVAILABLE" basis.

The parties agree that the limitations in this Section are a fundamental part of the Agreement and that Provider would not provide the Services without them.

19.2 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, transaction losses, brokerage losses, execution losses, slippage, margin losses, liquidation losses, portfolio losses, tax consequences, regulatory consequences, compliance failures, replacement costs, data, use, business interruption, expected Prize, Prize forfeiture, Prize delay, Challenge disqualification, or ranking change, whether arising in contract, tort, negligence, strict liability, under statute, or otherwise, even if Provider has been advised of the possibility of such damages.

19.3 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, AI Outputs, Portfolio Data analysis, Demo Trading features, Challenges, Challenge results, Third-Party Services, or Beta Features will not exceed the Subscription Fees actually paid by Customer to Provider in the three months preceding the first event giving rise to the claim.

19.4 Exclusions from Customer Liability Cap

The liability cap does not limit Customer's payment obligations, misuse of the Services, breach of Customer obligations or intellectual property restrictions, unauthorized sharing of credentials, unauthorized automated access, infringement or misuse of Provider Content, Challenge misconduct, indemnification obligations, or other liability that cannot be limited under Applicable Law.

19.5 Third-Party and Force Majeure Events

Provider will not be liable for any failure, delay, inaccuracy, or interruption caused by:

• third-party providers, including data, hosting, AI, OCR, payment, or connectivity providers;
• Customer's systems or configuration;
• misuse or unauthorized access;
• events beyond Provider's reasonable control.

19.6 Demo Trading Liability

Provider is not liable for any real-world trading loss, investment loss, lost profit, missed opportunity, tax consequence, regulatory consequence, business loss, reputational harm, or other damage arising from or related to Customer's use of Demo Trading features, Demo Portfolios, Simulated Orders, hypothetical performance, model portfolios, AI Outputs, or related analytics, to the maximum extent permitted by Applicable Law.

19.7 Challenge Liability

To the maximum extent permitted by Applicable Law, Provider is not liable for any loss, damage, cost, expense, disappointment, missed opportunity, expected Prize, tax consequence, regulatory consequence, reputational harm, disqualification, ranking adjustment, scoring correction, Prize withholding, Prize recovery, Prize forfeiture, Prize delay, Prize substitution, or other claim arising from or related to any Challenge, Prize, leaderboard, ranking, scoring methodology, disqualification, Challenge cancellation, or Challenge modification.

Provider is not liable for any disqualification, Prize ineligibility, score adjustment, performance reset, Challenge reset, cancelled Simulated Order, ranking correction, withheld Prize, recovered Prize, or other corrective action taken in good faith based on suspected unfair advantage, statistical anomaly, integrity concern, or potential breach of this Agreement or Challenge Rules.

19.8 Financial Transaction Liability

Provider is not liable for any real-world financial transaction, trade, order, investment, transfer, deposit, withdrawal, exchange, tax position, regulatory filing, compliance action, brokerage action, banking action, or portfolio decision made by Customer or any third party, whether or not based on, influenced by, or related to the Services.

19.9 Claim Time Limit

To the maximum extent permitted by Applicable Law, any claim must be brought within twelve months after the event giving rise to the claim; otherwise, it is permanently barred.

19.10 Non-Excludable Liability

Nothing in this Agreement excludes or limits liability that cannot be excluded or limited under Applicable Law, including where applicable liability for fraud or willful misconduct.

19.11 Agent Liability

To the maximum extent permitted by Applicable Law, Provider is not liable for any loss, damage, cost, expense, missed opportunity, expected benefit, business loss, trading loss, investment loss, tax consequence, regulatory consequence, reputational harm, billing expectation, or other claim arising from or related to Agents, Agent Tasks, Sub-Agents, Agent outputs, failed tasks, delayed tasks, incomplete tasks, repeated tasks, usage-based charges, bundled billing, or exhaustion of any Free Agent Contingent.

20. Governing Law and Dispute Resolution

20.1 Governing Law

This Agreement and any dispute, claim, or controversy arising out of or relating to this Agreement, the Services, Provider Content, AI Outputs, Portfolio Data analysis, Demo Trading features, Challenges, Challenge results, or the relationship between the parties will be governed by the laws of the United Arab Emirates and the applicable regulations of the Dubai World Trade Centre Authority, without regard to conflict of laws principles.

20.2 Dubai Courts for Standard Subscriptions

Subject to mandatory consumer rights and any Enterprise Terms, 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.

If Customer is a consumer, this Section applies only to the extent permitted by mandatory consumer protection and jurisdiction laws.

20.3 Enterprise Arbitration Option

For Enterprise Users only, the parties may agree in Enterprise Terms that disputes will be resolved by arbitration.

Where Enterprise Terms specify DIAC arbitration, the following clause applies unless otherwise agreed:

Any dispute arising out of or in connection with this Agreement or the applicable Enterprise Terms, including any question regarding existence, validity, interpretation, performance, breach, or termination, shall be referred to and finally resolved by arbitration under the DIAC Arbitration Rules in force at the time of commencement of arbitration. The seat of arbitration shall be Dubai, UAE. The language of arbitration shall be English. The tribunal shall consist of one arbitrator. Judgment on the award may be entered and enforced in any court of competent jurisdiction.

20.4 Injunctive and Interim Relief

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

21. Confidentiality

21.1 Confidential Information

Each party may receive non-public information from the other party that is marked confidential or should reasonably be understood to be confidential.

The receiving party must use such information only to perform or receive the Services and must protect it using reasonable care.

21.2 Exclusions

Confidential information does not include information that is publicly available, already known without confidentiality obligation, independently developed, or lawfully received from a third party.

21.3 Provider Confidential Information

Provider's confidential information includes non-public information about the Services, pricing, security, technology, models, prompts, workflows, roadmaps, documentation, APIs, data sources, business operations, Challenge scoring systems, Challenge fraud-detection methods, and platform architecture.

22. Amendments

22.1 Updates by Provider

Provider may update this Agreement from time to time to reflect changes to the Services, business operations, legal requirements, security practices, third-party provider requirements, Challenge requirements, prize requirements, or other reasons.

Provider will provide notice of material changes by posting the updated Agreement on the website, within the Services, and/or by email to the account email address.

22.2 Effective Date of Changes

Unless a shorter period is required for security, fraud prevention, legal compliance, third-party provider requirements, Challenge integrity, Prize compliance, or to prevent harm to the Services or users, 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, including clarifications, formatting changes, and typographical corrections, may become effective immediately upon posting.

22.3 Pricing Changes

Material pricing changes will generally apply at the next renewal unless otherwise stated at checkout, required by law, or agreed in Enterprise Terms.

22.4 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 this Agreement and stop using the Services by the effective date of the change.

22.5 Enterprise Negotiated Terms

For Enterprise Users, the parties may agree to separate negotiated terms, addenda, or amendments in an order form, master services agreement, statement of work, or other signed document.

In the event of any conflict between Enterprise Terms and this Agreement, the Enterprise Terms will prevail for that Enterprise subscription.

23. Entire Agreement and Miscellaneous

23.1 Entire Agreement and Order of Precedence

This Agreement, including the Privacy Policy, Challenge Rules, 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, the Enterprise Terms will prevail in the event of a conflict.

If there is a conflict between this Agreement and the Privacy Policy regarding the processing of personal data, the Privacy Policy controls for privacy-specific matters. This Agreement controls for commercial, subscription, acceptable-use, intellectual-property, Challenge, Prize, and liability matters, unless Enterprise Terms state otherwise.

If there is a conflict between this Agreement and Challenge Rules, the Challenge Rules control for that specific Challenge only.

23.2 Mandatory Law

Nothing in this Agreement limits or excludes any rights, remedies, warranties, liabilities, or obligations that cannot be limited or excluded under Applicable Law, including mandatory consumer protection rights where applicable.

23.3 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.

23.4 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.

23.5 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, sale of all or substantially all assets, or otherwise upon notice to Customer.

23.6 Survival

Sections that by their nature should survive termination will survive, including provisions relating to payment obligations, Customer obligations, acceptable use, Customer Materials, Portfolio Data, Demo Trading, Challenges, Prizes, no responsibility for financial transactions, no-refund policy, disclaimers, no investment advice, intellectual property, confidentiality, data protection, indemnity, limitation of liability, governing law and jurisdiction, dispute resolution, Enterprise Terms, Challenge Rules, and this Section 23.

23.7 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.

24. Contact

If you have questions about this Agreement, contact:

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

Email: support@catcapital.ai

By subscribing to the Services, beginning the Trial Period, accessing the Services, using the Services, or participating in any Challenge, you confirm your understanding and acceptance of this Agreement.