TERMS OF USE

Last Updated: 22.03.2024

Welcome to Finage Ltd. ("Finage," "we," "us," or "our"). These Terms of Use ("Terms"), together with any documents, policies, or terms they expressly incorporate by reference (collectively, the "Agreement"), govern your access to and use of Finage's websites, data services, products, and associated content (collectively, the "Services"), whether as a guest or a registered user.

By accessing or using the Services, you accept and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Services.

1. Services Overview

Finage Ltd. ("Finage") is committed to delivering premier financial data services designed to meet the diverse needs of individual investors, financial enthusiasts, and academic researchers. Our platform provides a rich tapestry of market insights by aggregating real-time and historical financial data across a wide spectrum of markets including stocks, bonds, cryptocurrencies, commodities, and more.

2. Access and Use of the Services

At Finage, we aim to provide an accessible, intuitive, and enriching experience for all our users as they navigate the vast landscape of financial data we offer. This section outlines the terms governing access to and the use of Finage's services.

2.1 User Registration and Account Management • Account Creation: To access certain features and services, users may be required to create an account with Finage. When registering for an account, you agree to provide truthful, accurate, and complete information. Your account must represent you as an individual or an entity you are duly authorized to represent. • Account Security: Responsibility for the security of account login credentials rests with the user. Any actions taken through your account will be deemed to have been performed by you or under your supervision. Should any unauthorized use of your account or security breach occur, it is your responsibility to notify Finage promptly. • Data Privacy: Finage is committed to protecting the privacy of its users. Information collected during the registration process and your use of the Services is subject to our Privacy Policy, which outlines how we collect, use, and share personal information.

2.2 License to Use • Grant of License: Subject to these Terms, Finage grants you a non-exclusive, non-transferable, and revocable license to access and use the Services for your personal, non- commercial purposes. This license does not include any resale or commercial use of the Services or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of the Services or its contents; or any use of data mining, robots, or similar data gathering and extraction tools. • Restrictions: You are prohibited from using the Services in any manner that could damage, disable, overburden, or impair any Finage server, or the network(s) connected to any Finage server, or interfere with any other party's use and enjoyment of the Services. You may not attempt to gain unauthorized access to any Services, other accounts, computer systems, or networks connected to any Finage server through hacking, password mining, or any other means.

2.3 Acceptable Use Policy • Lawful Use: You agree to use the Services only for lawful purposes and in compliance with all applicable laws, regulations, and policies of Finage.

• Prohibited Activities: The following activities are explicitly prohibited: • Redistribution of Market Data without Finage's written consent. • Engaging in any activity that compromises the security of the Services. • Utilizing the Services for any unauthorized commercial purposes. • Attempting to reverse engineer or otherwise derive the source code of any part of the Services.

2.4 Service Modifications and Availability • Updates and Maintenance: Finage reserves the right to update, modify, or discontinue any aspect of the Services at any time, including content, availability, and equipment needed for access or use. • Service Availability: While we strive to ensure the Services are available twenty-four hours a day, we do not guarantee that the Services or any portion thereof will be available at all times or at any given time. Planned downtime for maintenance and unexpected outages may occur, but Finage will do its best to provide advance notice of any downtime. By accepting these Terms, you acknowledge you have read, understood, and agreed to be bound by these access and use policies. Finage's goal is to ensure a secure, reliable, and respectful environment for all users, and adherence to these policies is paramount in achieving that goal.

3. Financial Market Data

Finage offers access to a diverse array of financial market data ("Market Data"), designed to support your personal analysis and understanding of various financial markets. This section clarifies the nature, sources, and limitations of the Market Data provided through our services and on our website.

3.1 Nature and Source of Data • Data Accuracy and Timeliness: Please be aware that all data provided by Finage, including but not limited to the prices displayed on ticker and charts pages, are not guaranteed to be real-time or accurate. The Market Data is intended strictly for informational purposes and should not be the sole basis for any investing or trading decisions. • Non-Exchange Sources: The Market Data provided by Finage is not sourced directly or indirectly from formal exchanges. Instead, our data compilation efforts focus on over-the-counter transactions, peer-to-peer networks, and market makers. This approach means that the prices and data we provide may not align with the actual market prices and could significantly differ from what is reported on formal exchanges.

3.2 Use of Market Data • Informational Purposes Only: The Market Data is provided to aid your personal financial education and decision-making process. It is crucial to conduct your own research and consider multiple data sources before making any investment or trading decisions. • Redistribution Prohibited: Redistribution of any information displayed on or provided by Finage, including data found on our website, through our APIs, or any other means, is strictly prohibited without express written permission from Finage.

3.3 Liability and Responsibility • Disclaimer of Liability: Finage expressly disclaims liability for any trading or investing losses you may incur as a result of using the Market Data. The nature of financial markets means that there is always a risk involved in trading and investing decisions, and market prices can be volatile. • User Responsibility: By accessing our website and using our services, you accept all responsibility for any risks involved in your financial decisions. It is your duty to evaluate the accuracy, completeness, and usefulness of any Market Data

provided by Finage. Finage will not accept liability for losses or damages arising from the use of our data or related services.

3.4 Acceptance of Terms • Acknowledgment of Conditions: By accessing our website or using our services, all users/visitors are deemed to have acknowledged and accepted the above conditions regarding the Market Data. Your use of Finage's services signifies your agreement to these terms and an understanding of the nature of the data we provide.

4. Intellectual Property Rights

At Finage, we take the protection of intellectual property very seriously, recognizing it as a cornerstone of our value proposition to users and partners alike. This section outlines the intellectual property rights associated with the Services, including the Market Data, software, and any content provided by Finage.

4.1 Ownership and Rights • Ownership: Finage, its affiliates, or its data providers own all rights, titles, and interests, including all intellectual property rights, in and to the Services and all content provided through the Services, including Market Data, text, graphics, logos, images, and software. This includes rights in proprietary Finage databases and the comprehensive market analysis and tools made available to you. • Protected Content: The content and data provided through Finage's Services, including but not limited to the market analysis, graphical representations, and textual data, are protected by copyright, trademark, and other intellectual property laws. Unauthorized use of any Finage content or data without express written permission is strictly prohibited.

4.2 Use of Finage Content • License to Use: Subject to your compliance with these Terms, Finage grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services and the content provided through the Services for your personal, non- commercial use. This license is solely for the purpose of enabling you to use and enjoy the benefit of the Services as provided by Finage, in the manner permitted by these Terms. • Restrictions: You may not copy, modify, distribute, sell, or lease any part of our Services or the content included, nor may you reverse engineer or attempt to extract the source code of any part of our Services, except as laws prohibit these restrictions or you have our written permission.

4.3 Trademarks • Finage Trademarks: The Finage name, the Finage logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Finage or its affiliates or licensors. You must not use such marks without the prior written permission of Finage. • Respect for Third-Party Trademarks: Any use of third-party trademarks or copyrighted material within the Services is for informational purposes only and does not imply an affiliation with or endorsement of/by Finage.

4.4 Intellectual Property Infringement • Reporting Infringement: Finage respects the intellectual property rights of others and expects its users to do the same. If you believe that your copyright, trademark, or other intellectual property rights have been infringed by content on Finage's Services, please notify us with a comprehensive description of the alleged infringement. By accessing or using Finage's Services, you acknowledge and agree that the intellectual property rights in the Services and their content are critical assets of Finage and its data providers. You commit to respecting these rights and to using the Services and

their content within the bounds of the license granted under these Terms.

5. User Responsibilities and Account Management

Finage is committed to providing a secure and trustworthy environment for accessing financial market data and tools. This commitment requires not only adherence to legal standards by Finage but also responsible behavior by all our users. This section outlines user responsibilities, guidelines for account management, and acceptable use of the Services.

5.1 Account Creation and Responsibility • Accuracy of Information: When creating an account with Finage, you agree to provide accurate, current, and complete information about yourself as prompted by our registration forms. Keeping your account information up to date is essential for effective communication and access to the Services. • Account Security: You are responsible for maintaining the confidentiality of your account password and for any activities that occur under your account. Finage cannot and will not be liable for any loss or damage arising from your failure to comply with this security obligation.

5.2 Acceptable Use Policy Your use of Finage’s Services is subject to the following restrictions: • Lawful Use: You agree to use the Services only for lawful purposes, in compliance with all applicable laws, regulations, and policies set forth by Finage. • Prohibited Activities: You may not use the Services to: • Conduct or solicit illegal or other activity that infringes the rights of Finage or others. • Transmit or upload any material that contains harmful software, such as viruses, Trojan horses, worms, or any other harmful components. • Attempt unauthorized access to the Services, other accounts, computer systems, or networks connected to any Finage server. • Redistribute, sell, rent, lease, sublicense, or otherwise commercialize the Services or any content or data obtained from the Services without Finage’s explicit prior written consent.

5.3 User Content and Conduct • Content Ownership: You retain all ownership rights to the content you submit, post, or display on or through the Services. By submitting, posting, or displaying content on or through the Services, you grant Finage a worldwide, non- exclusive, royalty-free license (with the right to sublicense) to use, copy, reproduce, process, adapt, modify, publish, transmit, display, and distribute such content in any and all media or distribution methods (now known or later developed). • Content Standards: You agree not to post, upload, transmit, or make available any content that is: • Unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable. • False, misleading, or promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory, or libelous.

5.4 Reporting Misuse If you encounter any misuse of the Services or violations of these Terms, you are encouraged to report such activities to Finage immediately. Finage reserves the right, but not the obligation, to monitor the Services for the purpose of ensuring compliance with these Terms, to remove any content that violates these Terms, and to suspend or terminate the accounts of users who violate these Terms.

6. Termination and Suspension of Services

Finage values the trust and the community we've built around our services. However, to maintain the integrity and security of our platform, we must reserve the right to terminate or suspend services under certain conditions.

6.1 Termination by User • Account Deactivation: You may choose to deactivate your account at any time. Account deactivation will result in the termination of your access to Finage services. To deactivate your account, please follow the instructions within your account settings or contact our support team for assistance. • Effect of Termination: Upon deactivation of your account, any data or content stored in your account will no longer be accessible. We encourage you to export any essential data prior to account deactivation.

6.2 Termination or Suspension by Finage • Breach of Terms: Finage reserves the right to terminate or suspend your access to the services immediately, without prior notice or liability, if you breach any of the terms and conditions of this Agreement. • Misuse of Services: Any attempt to undermine the security, integrity, or proper functioning of the services may result in immediate termination or suspension of your account. • Legal and Regulatory Compliance: Finage may terminate or suspend services to comply with legal or regulatory requirements, protect the rights and safety of our users, or prevent access from specific geographic regions due to legal or regulatory constraints.

6.3 Consequences of Termination • Access Revocation: Termination or suspension of services will result in the revocation of your access to the services, including any content or data held within your account. • Survival: Termination or suspension of your account does not affect any accrued rights and obligations up to the date of termination or any provisions meant to survive termination.

6.4 Reinstatement • Appeal Process: If your account has been suspended or terminated, you may contact Finage to appeal the decision. The reinstatement of your account will be at the sole discretion of Finage, based on the circumstances of the suspension or termination.

6.5 Notification • Notice of Termination: Finage will make reasonable efforts to notify you of the termination or suspension of your account, along with the reason for the action, unless such notification would (a) violate the law or a legal process or (b) compromise an investigation into unlawful activity.

7. Disclaimers and Limitations of Liability

7.1 Disclaimers • General Disclaimer: Finage provides its services on an "as is" and "as available" basis without any warranties, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non- infringement. Finage makes no warranty that the services will meet your requirements, be available uninterrupted, secure, or error-free, or that any defects in the services will be corrected. • Market Data and Content Disclaimer: Finage does not warrant the accuracy, completeness, or usefulness of any information, market data, or other material provided through the services. Any reliance you place on such information is strictly at your own risk. • No Financial Advice: Information provided through Finage's services is for informational purposes only and is not intended as financial, investment, legal, or tax advice. Decisions based on information provided by Finage are the sole responsibility of the user.

7.2 Limitations of Liability • Scope of Liability: In no event will Finage, its affiliates, officers, directors, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the services; (ii) any conduct or content of any third party on the services; (iii) any content obtained from the services; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not Finage has been informed of the possibility of such damage. • Cap on Liability: Without limiting the foregoing, Finage's total liability to you for all claims arising out of or related to the use of or any inability to use any portion of the services or otherwise under these terms, whether in contract, tort, or otherwise, is limited to the amount you have paid to Finage for access to and use of the services in the twelve (12) months prior to the event or circumstance giving rise to the claims. • Jurisdictional Limitations: Some jurisdictions do not allow the exclusion or limitation of certain warranties or the limitation or exclusion of liability for incidental or consequential damages, so the limitations above may not apply to you to the extent they are prohibited or superseded by state or national provisions.

8. Arbitration and Dispute Resolution

8.1 Agreement to Arbitrate You and Finage agree that any dispute, claim, or controversy arising out of or in connection to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in United Kingdom, before one arbitrator. The arbitration shall be administered by United Kingdom pursuant to its Arbitration Rules and Procedures. Judgment on the Award may be entered in any court having jurisdiction.

8.2 Arbitration Rules • Initiation of Arbitration: To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your claim to our registered agent. The arbitration will be conducted under the rules of United Kingdom then in force. • Costs: The payment of filing, administration, and arbitrator fees will be governed by the United Kingdom’s rules. Finage will not seek attorneys' fees and costs in arbitration unless the arbitrator determines the claims are frivolous.

8.3 No Class Actions You may only resolve disputes with us on an individual basis and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not allowed.

8.4 Exceptions to Arbitrate Disputes relating to the infringement or misappropriation of our intellectual property rights or the intellectual property rights of our affiliates, licensors, or suppliers are not subject to this arbitration agreement. Such disputes shall be exclusively litigated in the courts of United Kingdom.

8.5 Opt-Out of Agreement to Arbitrate You can decline this agreement to arbitrate by providing us written notice of your decision to opt-out, sent to the address specified in these Terms, within 30 days of first accepting these Terms.

8.6 Judicial Forum for Legal Disputes In the event that the agreement to arbitrate is found not to apply to you or your claim, you and Finage agree that any judicial proceedings will be brought in the federal or state courts of United Kingdom, and both parties consent to venue and personal jurisdiction there.

9. Amendments to the Terms

9.1 Right to Amend Finage reserves the right, at its sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

9.2 User's Continuation By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Services.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of United Kingdom, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

11. Miscellaneous Provisions

11.1 Entire Agreement These Terms constitute the entire agreement between you and Finage regarding our Services, superseding any prior agreements we might have had between us regarding the Services.

11.2 Severability If any part of these Terms is held to be invalid or unenforceable, that part will be construed to reflect the parties' original intent, and the remaining portions will remain in full force and effect.

11.3 Waiver A waiver by either party of any term or condition of these Terms or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof.

11.4 Assignment You may not assign your rights under these Terms to any party without our express written consent. Finage may assign its rights under these Terms without condition.

11.5 Headings The section headings in these Terms are for convenience only and have no legal or contractual effect.

11.6 Communication and Notices All communications and notices made or given pursuant to these Terms must be in the English language. If you have any questions about these Terms, please contact us: info@finage.co.uk