Terms of Service

These Terms of Service (the "Terms") form a legally binding agreement between you and OTSO Fintech Co. LTD, a company organized under the laws of [REGISTERED JURISDICTION], with its registered office at [REGISTERED OFFICE ADDRESS] ("OTSO," "NOX," "we," "us," or "our"). These Terms govern your access to and use of https://nox-ai.io, the NOX web and mobile interfaces, application programming interfaces, AI features, portfolio tools, analytics, simulations, connected-account functions, content and related services (collectively, the "Services").

By creating an account, clicking an acceptance box, purchasing a subscription, connecting an account, or otherwise using the Services, you confirm that you have read, understood and agreed to these Terms and the documents incorporated by reference. If you do not agree, do not access or use the Services.

1.1 Incorporated documents

The following documents form part of these Terms:

1. Privacy Policy;
2. Risk Disclosure Statement;
3. Financial Disclaimer;
4. Subscription and Refund Policy;
5. Cookie Policy;
6. Restricted Jurisdictions Notice; and
7. any product-specific order form, feature terms, consent screen or policy expressly presented to you.

If there is a conflict, a signed order form or product-specific term controls for that subject, followed by these Terms, then the other incorporated policies.

1.2 Eligibility

You may use the Services only if you:

• are at least 18 years old and have legal capacity to contract;
• are not located in, ordinarily resident in, organized under the laws of, or acting on behalf of a Restricted Jurisdiction or Restricted Person;
• are not prohibited from using the Services under applicable law, sanctions, court order, contractual restriction or professional obligation;
• provide accurate and current information; and
• use the Services for lawful purposes and for your own account, unless we expressly approve an enterprise or authorized representative arrangement.

We may require identity, residency, source-of-funds, sanctions, fraud or eligibility checks. Access to the Services does not mean that the Services are lawful or appropriate in your jurisdiction.

1.3 Nature of the Services

NOX is designed as an AI-assisted investment decision support and software platform. Depending on the feature made available to you, the Services may help you organize objectives, risk preferences and constraints; review market or account data; discover, compare, simulate or construct strategies and portfolios; generate analytical outputs; monitor performance; and connect with third-party platforms.

Unless expressly stated in a separate written agreement:

• NOX is not your broker, dealer, exchange, custodian, bank, trustee, fiduciary, portfolio manager, investment adviser, tax adviser or legal adviser;
• NOX does not receive deposits into a regulated client-money account or hold legal title to your investments;
• NOX does not guarantee that any output is suitable, complete, accurate, profitable or available;
• you remain responsible for every decision to rely on, configure, approve, deploy, modify, continue or stop a strategy or portfolio; and
• third-party providers remain responsible for their own accounts, execution, pricing, custody, settlement and services.

The actual regulatory characterization of a feature depends on how it operates. We may limit, suspend or redesign features to comply with law or risk controls.

1.4 No personalized recommendation unless expressly stated

Information, rankings, scores, prompts, portfolio illustrations, alerts, model outputs and other content are provided for decision support and general informational purposes unless we expressly state otherwise in a separate regulated service agreement. A result generated from information you provide does not by itself mean that NOX has undertaken a fiduciary duty or provided regulated personalized advice.

You must independently evaluate whether an action is appropriate for your objectives, financial circumstances, knowledge, experience, tax position and ability to bear loss.

1.5 Account registration and security

You must provide complete and accurate registration information and keep it current. You are responsible for safeguarding your password, authentication device, recovery information and API or connection credentials. You must promptly notify us at [SUPPORT EMAIL] of suspected unauthorized access.

You may not share an individual account, sell access, impersonate another person, bypass access controls or allow an unauthorized person to use the Services. We may treat activity authenticated through your account as authorized, subject to applicable law and our investigation rights.

1.6 Connected accounts and third-party services

The Services may allow you to link an account maintained by a third party. By initiating a connection, you represent that you are the lawful account holder or are duly authorized, and you instruct us and our service providers to access, retrieve, normalize, display and process data required to provide the feature.

Third-party services are governed by their own terms. We do not control their availability, prices, execution, security, custody, data accuracy or regulatory status. We may disconnect an integration at any time for security, legal, operational or commercial reasons.

Unless the interface expressly states otherwise, connecting an account does not grant NOX withdrawal authority. Never provide a withdrawal credential unless a feature and separate agreement expressly require it and you have independently verified the arrangement.

1.7 AI outputs and automated systems

The Services may use machine learning, large language models, rules engines, optimization methods and other automated systems. Outputs may be generated probabilistically and may contain errors, omissions, outdated information, unsupported assumptions or inconsistent results. Similar prompts may produce different outputs.

You agree to:

• review material facts and calculations before relying on an output;
• not treat an output as a promise, guarantee or sole basis for a high-impact decision;
• apply appropriate human oversight;
• promptly stop or reduce use if an output appears abnormal; and
• comply with any feature-specific limits or warnings.

We may log prompts, configurations, outputs and user actions for security, quality, audit and support purposes as described in the Privacy Policy.

1.8 Simulations, backtests and performance information

Simulated, hypothetical and backtested results involve inherent limitations. They may use assumptions, selected time periods, reconstructed data, estimated costs and execution conditions that differ materially from live results. They do not represent an actual account unless clearly labeled as verified live performance.

Past performance, rankings, scores, win rates and examples do not guarantee future results. You must review the Risk Disclosure Statement before using performance information.

1.9 User instructions and deployment

Where a feature allows you to configure or deploy a strategy, you are responsible for reviewing the instrument, direction, size, leverage, allocation, entry and exit conditions, risk settings, connected account and any other parameter before activation.

The interface and applicable feature terms will state whether an action is informational, requires confirmation, or may operate according to previously authorized rules. You authorize NOX to perform only the actions clearly described in the interface and accepted by you. You may revoke an authorization using the available controls, but revocation may not cancel an instruction already transmitted or executed by a third party.

You must monitor open positions and maintain independent access to the third-party account. NOX is not an emergency execution channel.

1.10 Fees, subscriptions and taxes

Fees are shown at purchase or in an applicable order form. Subscriptions may renew automatically until canceled. You authorize the applicable payment provider to charge the selected payment method for recurring fees, taxes and other disclosed charges.

Subscription fees are separate from third-party charges, transaction costs, network fees, spreads, commissions, financing costs, taxes, performance-based fees or credits unless expressly stated. Billing and refunds are governed by the Subscription and Refund Policy.

You are responsible for taxes arising from your use of the Services, excluding taxes imposed on our net income.

1.11 User content and permissions

You retain ownership of content and data that you submit, subject to rights held by third parties. You grant us a worldwide, non-exclusive, limited license to host, reproduce, transmit, transform, analyze and display that content as reasonably necessary to provide, secure, support and improve the Services, comply with law and enforce these Terms.

We will not publicly identify your private portfolio or trading data without a lawful basis or permission, except in aggregated or de-identified form that is not reasonably designed to identify you.

You represent that you have all rights and permissions required to provide the content and that it does not violate law, confidentiality, privacy, intellectual property or third-party rights.

1.12 Intellectual property

The Services, including software, models, interfaces, designs, text, graphics, trademarks, workflows and documentation, are owned by or licensed to us and are protected by applicable laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable right to use the Services for their intended purpose during your authorized access period.

You may not copy, sell, sublicense, reverse engineer, scrape, extract models or datasets, defeat technical limits, create a competing service from protected elements, remove notices, or use the Services to train a competing model except where applicable law does not permit such restriction.

1.13 Acceptable use

You must not use the Services to:

• violate financial, sanctions, market-abuse, anti-money-laundering, consumer, privacy or intellectual-property laws;
• manipulate markets, engage in deceptive trading, spoofing, wash trading or unauthorized account access;
• upload malware, exploit vulnerabilities or interfere with availability;
• generate or distribute false performance records or misleading endorsements;
• evade geographic, identity, subscription, rate or risk controls;
• provide regulated services to others without required authorization;
• collect personal data without a lawful basis; or
• use automated access beyond documented APIs or written permission.

1.14 Service changes, availability and beta features

We may add, modify, limit or discontinue features. We do not guarantee uninterrupted or error-free availability. Maintenance, market conditions, upstream outages, cyber incidents, legal restrictions and third-party changes may affect the Services.

Beta, preview or experimental features may be incomplete and are provided on an "as available" basis. Do not use them for critical decisions unless you can independently manage failure.

1.15 Suspension and termination

You may stop using the Services and may request account closure, subject to outstanding obligations and data-retention requirements. We may suspend, restrict or terminate access where reasonably necessary to address breach, fraud, security, sanctions, legal risk, non-payment, harmful conduct, discontinued services or risk to users or third parties.

Termination does not automatically close positions or cancel obligations maintained through a third party. You remain responsible for managing connected accounts and outstanding fees.

1.16 Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM EXPRESS, IMPLIED AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY AND RESULTS.

Nothing in these Terms excludes rights or warranties that cannot lawfully be excluded.

1.17 Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OTSO FINTECH CO. LTD AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS AND LICENSORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST OPPORTUNITIES, TRADING LOSSES, LOSS OF DATA, BUSINESS INTERRUPTION OR COST OF SUBSTITUTE SERVICES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF: (A) THE FEES YOU PAID TO US FOR THE SERVICES GIVING RISE TO THE CLAIM DURING THE THREE MONTHS BEFORE THE EVENT; OR (B) USD 100.

This limitation does not apply to liability that cannot lawfully be limited, including liability arising from fraud or willful misconduct where applicable.

1.18 Indemnity

To the extent permitted by law, you will indemnify and hold harmless NOX and its affiliates from third-party claims, losses, liabilities and reasonable costs arising from your unlawful use, breach of these Terms, infringement of third-party rights, unauthorized provision of regulated services or misuse of another person's account or data.

1.19 Complaints

Send complaints to [LEGAL EMAIL] with your account identifier, relevant dates, the feature involved and the resolution requested. We may ask for additional information. This process does not limit mandatory rights to contact a regulator, court, ombudsman or consumer authority.

1.20 Governing law and disputes

These Terms are governed by [GOVERNING LAW], without regard to conflict-of-laws rules. Subject to non-waivable consumer rights, disputes will be resolved exclusively by [EXCLUSIVE COURTS OR ARBITRATION FORUM].

1.21 Changes to these Terms

We may update these Terms to reflect legal, security, operational or product changes. We will publish the updated version and revise the "Last updated" date. Where required, we will provide advance notice or request renewed consent. Continued use after the effective date constitutes acceptance where permitted by law.

1.22 Contact

OTSO Fintech Co. LTD

[REGISTERED OFFICE ADDRESS]

Legal: [LEGAL EMAIL]

Support: [SUPPORT EMAIL]