Allsum Terms and Conditions

Effective Date: 10 November 2026

WELCOME TO ALLSUM!

These Allsum Terms and Conditions (“Terms and Conditions”) are legally binding between you (“user”, “you” or “your”) and Chrematica Pte. Ltd (“Chrematica”) and its applicable affiliates (collectively, “Chrematica”, “we”, “us”, or “our”), concerning your use of (including any access to) our website(s), mobile and desktop applications and the accompanying products and services of Allsum (collectively, “Allsum”), which are developed and/or operated by us. References in these Terms and Conditions to “Allsum” include every version of Allsum that we make available from time to time.

Please read these Terms and Conditions carefully before registering at or logging in to use Allsum.

DISCLAIMER

By using Allsum, you hereby acknowledge and agree to the following:

(a) The responses generated by Allsum are based on limited datasets used during its training and, where applicable, information retrieved at the time of your request from tools or third-party sources, any of which may be incomplete, delayed or inaccurate. Allsum may produce answers that appear reasonable but are incorrect or nonsensical. Chrematica makes no guarantees regarding the accuracy, completeness, or originality of the information provided and does not warrant that the information will be up to date.

(b) Allsum is an AI-powered information, analysis, and investor education tool. Information generated by Allsum is not intended to be a substitute for expert opinions in specialized fields.

(c) Allsum remains in the developmental phase and may occasionally experience malfunctions. Chrematica shall not be liable for any interruptions, inaccuracies, errors, or omissions, nor for any resulting damages, whether direct, indirect, consequential, punitive, or disciplinary in nature.

BY USING ALLSUM, YOU HEREBY AFFIRM THAT YOU ARE AT LEAST EIGHTEEN (18) YEARS OF AGE OR SUCH OTHER MINIMUM AGE AS MAY BE REQUIRED UNDER THE LAWS OF YOUR JURISDICTION (IF ANY) TO ENTER INTO THESE TERMS AND CONDITIONS. IF YOU ARE BELOW SUCH REQUIRED AGE, YOU ARE NOT AUTHORISED TO ACCESS OR USE ALLSUM.

Before you start to use Allsum, please read these Terms and Conditions carefully to understand the contents, especially the clauses that limit or exclude our liability. By you submitting a user registration application, downloading or logging in to use Allsum, or using any services provided via Allsum you are acknowledging and providing your consent and agreement to these Terms and Conditions.

If you DO NOT AGREE to abide by these Terms and Conditions, you are not authorised and must immediately discontinue your access and use of Allsum.

If you are entering into these Terms and Conditions, you represent and warrant that you are an individual and will enter into them in your personal capacity, accordingly, the terms “user”, “you” or “your” will refer to you as an individual. If you do not agree to these Terms and Conditions, you must not accept these Terms and Conditions and you must not access and use Allsum. You acknowledge that these Terms and Conditions are a contract between you and Chrematica, even though it is electronic and is not physically signed by you, and it governs your use of Allsum.

1. PRIVACY POLICY

1.1 It is our policy and priority to safeguard any information provided by our users, and we respect your right to privacy. We understand the importance you place on the privacy and security of information that personally identifies you, relates to your account, or is otherwise associated with your use of the Platform Services, including information you provide, generate, access, or make available through Connectors or other integrations (“Personal Data”, as further defined in our Privacy Policy). To find out more about how we use and protect your Personal Data, please refer to our Privacy Policy which can be accessed at this link here: Privacy Policy (“Privacy Policy”).

2. AMENDMENT TO THESE TERMS AND CONDITIONS

2.1 Chrematica has sole and absolute discretion to modify and/or amend these Terms and Conditions from time to time by posting revised version(s) online without prior notice. You are responsible to regularly review these Terms and Conditions to ensure you are familiar with the contents. Any such changes will be published online and shall take effect from and on the effective date stated, and if there is no such effective date stated, such modification and/or amendment shall take effect from and on the date it is posted online.

2.2 By continuing to access Allsum following any changes to Allsum and/or these Terms and Conditions (including any policies referred to in these Terms and Conditions), you have agreed to be bound by the latest published version of these Terms and Conditions.

2.3 Notwithstanding Clause 2.1, where an amendment materially and adversely affects the fees or entitlements of a paid Subscription Plan (as defined in Clause 12.2), we will use reasonable efforts to notify you in advance, unless otherwise required by applicable law or regulation.

3. USER REGISTRATION & SECURITY

3.1 Access and use of Allsum is restricted to Registered Users (defined hereinbelow) only. You may not obtain or attempt to obtain unauthorised access to such parts of Allsum or to any other protected information, through any means not intentionally made available by us for your specific use.

3.2 Upon our acceptance of your registration to use Allsum, we will register you as a user (“Registered User”). You will then be required to select a user account ID (“Username”) and a password to access your account. The Username you choose during registration will serve as your user ID on Allsum. We reserve the right to require you to change your account ID and/or password, or to refuse the use of, or cancel, any account ID and/or password at any time, without prior notice or providing reasons. You understand and agree that such arrangement may involve the cross-border transfer of information to Hong Kong or other jurisdictions. Allsum will implement all measures required and reasonably necessary to ensure that the recipient of such information provides protection at a level that is comparable to those under the Personal Data Protection Act 2012 of Singapore. To safeguard your rights and interests, you are advised to carefully review and familiarise yourself with the privacy policies applicable to the jurisdiction where your account is maintained.

3.3 You represent and warrant that any information you provide in connection with any such registration under this Section 3 is and will remain truthful, accurate and complete, and that you will maintain and update such information as required as you continue to be a Registered User of Allsum.

3.4 When you create an account for yourself, besides requiring you to choose a Username and a password, Chrematica, for security reasons, may also require other details (such as facial recognition, unique gestures) from you to authenticate your identity (“Alternative Security Measures”).

3.5 YOU ACKNOWLEDGE AND AGREE THAT SUCH SECURITY MEASURES ARE MADE AVAILABLE BY A THIRD PARTY (WHICH MAY INCLUDE A MOBILE DEVICE MANUFACTURER OR OPERATING SYSTEM PROVIDER) AND NOT BY US. WE ARE NOT RESPONSIBLE OR LIABLE FOR ANY FAILURE OF SUCH ALTERNATIVE SECURITY MEASURES, OR ANY UNAUTHORISED ACCESS TO YOUR ACCOUNT THAT RESULTS FROM ANY SUCH FAILURE. SUCH ALTERNATIVE SECURITY MEASURES CONSTITUTE THIRD-PARTY CONTENT (AS DEFINED BELOW). YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING THE SECURITY OF YOUR ACCOUNT AT ALLSUM AND ANY DEVICE ON WHICH YOU ACCESS YOUR ACCOUNT.

3.6 We may block your access to Allsum if we believe that it is necessary for security, legal and/or regulatory reasons. We may contact you to provide you with new security details or contact you to require you to provide fresh security details where it appears that your account may have been compromised. For the avoidance of doubt, we may require you to provide additional supporting documents due to requirements under the applicable laws and regulations and/or from regulatory authorities, or for the purpose of allowing you, the Registered User to continue to access Allsum. You shall provide such requested information or document in a timely manner as so required by us. If you fail to or refuse to provide the said information after receiving the notice sent by us, we shall have the right to suspend or terminate your right to continue using Allsum.

3.7 Your account is not transferable and may not be assigned to any third party. Sharing of your user account ID and password is strictly prohibited. You are responsible for maintaining the confidentiality of, and protecting and securing your user account ID and password for authorised use and disclosure. You are fully responsible for all activities that occur under your account, whether or not actually or expressly authorised and/or used by you, and this includes all actions that occur while your Username and passwords are being used. You agree to immediately notify us if there has been any unauthorised third party access to your user account ID or password or if there is any unauthorised use of your account or any breach of security known to you.

4. INTELLECTUAL PROPERTY RIGHTS

4.1 Allsum content/services are provided exclusively for your personal and non-commercial access and use. No Allsum content/services or Third-Party Content (defined in Section 7) may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way to any other computer, server, web site or other medium for publication or distribution or for any commercial enterprise, without our express prior written consent.

4.2 You may print off and download extracts from Allsum for your own personal non-commercial use provided that (i) you do not modify any of the content; (ii) you do not use any graphics or photographs separately from their accompanying text; and (iii) you do not remove any copyright, trade-mark notification or other proprietary notices (including these Terms and Conditions) from such extracts. You must not use any part of the materials on Allsum for commercial purposes without obtaining a licence to do so from us or our licensors.

4.3 The content available on Allsum may not be reproduced, distributed, transmitted, published, displayed, broadcast, stored, adapted, licensed, altered, hyperlinked or otherwise used in any manner or by any means without our prior written consent. You may not, without our prior written consent, insert a hyperlink to Allsum (or any part thereof) on any other platform or mirror or frame any content available on Allsum on any other server or platform. No licence or right is granted to you, and your access to Allsum and/or use of Allsum, should not be construed as granting, by implication, estoppel or otherwise, any licence or right to use the trademarks, tradenames or logos appearing on Allsum.

4.4 We are the owner or the licensee of the copyright and all other intellectual property rights subsisting in Allsum and its content, which refers to any copyright, rights in software, rights in databases, patents and rights in inventions, trademarks, rights in domain names, designs, know-how, trade secrets and other rights in confidential information, in each case whether registered or unregistered including applications for registration and the right to apply for registration for any of the rights listed above that are capable of being registered anywhere in the world, and all other rights having equivalent or similar effect anywhere in the world. (“Intellectual Property Rights”). Nothing herein or otherwise shall be construed as an assignment or transfer of our rights in the Intellectual Property Rights subsisting in Allsum and its content. All our rights are fully and expressly reserved.

5. ALLSUM PLATFORM AND SERVICES

5.1 Allsum may provide or make available certain features, tools, services and content (collectively, “Platform Services”), which may include, without limitation: (a) artificial intelligence-powered features, tools and functionalities, including generative responses, data analysis, automated insights, and AI agent conversations that enable you to ask questions in natural language and receive AI-generated responses on a wide range of topics; (b) news, information, commentary, data, educational materials and other content, whether generated by Allsum or obtained from third-party sources; (c) integrations with third-party tools and software, including application programming interfaces (APIs), plugins, command-line interfaces (CLIs), Connectors (as defined in Section 5.3) and interoperability protocols such as the Model Context Protocol (MCP) or similar frameworks; and (d) such other features, tools, services and content (including any new or enhanced artificial intelligence-powered services) as we may make available from time to time.

5.2 Platform Services may be made available through a web version, a desktop client, a mobile application, and such other channels as we may designate from time to time. Certain Platform Services may be available only on particular channels, in particular regions, or under particular Subscription Plans. We may add, modify, suspend or withdraw any Platform Service, in whole or in part, at any time at our discretion. Unless otherwise stated, any new or modified Platform Services shall be subject to these Terms and Conditions, together with any additional terms we may notify to you in respect of it.

5.3 Connectors and Third-Party Services.

(a) Allsum may enable you to connect services provided by third parties, including but not limited to data and information services, productivity and software development tools, and other online platforms and services (each a “Third-Party Service”), to Allsum through integrations made available on Allsum (each a “Connector”). The Connectors available from time to time are displayed on Allsum, and may be added, modified, suspended, or withdrawn by us at any time at our discretion. The availability of a Connector on Allsum does not constitute our endorsement of, or any representation as to the quality, security, or suitability of, the relevant Third-Party Service.

(b) Third-Party Services are provided by their respective providers and not by us. Your use of any Third-Party Service is governed by the terms and conditions and privacy policy of its provider, and your account with that provider is separate from your Allsum account. A Connector only enables Allsum to access a Third-Party Service within the scope of the permissions you grant, and any action in a Third-Party Service is taken only on your instruction and is processed and performed by its provider.

(c) Connectors and any data or content obtained through them are provided on an “as is” and “as available” basis, without any warranty as to their accuracy, completeness or timeliness. You are responsible for the Connectors you authorise, the permissions you grant and any instructions you give through a Connector. To the extent permitted by applicable law, we are not liable for any loss arising from (i) your use of, or reliance on, any Connector or any data or content obtained through it; or (ii) any Third-Party Service or other content, data or services provided by third parties, including any act or omission of their providers.

(d) Once you connect a Third-Party Service to Allsum, your relevant data on Allsum may, depending on your actions on Allsum (including the instructions you give, the questions you ask and the tasks you initiate), be transmitted to that Third-Party Service so that it may process and perform your requests. Such data transmitted may depend on the relevant Connector and is subject to the scope of authorisation you grant for that Connector, as shown to you when you connect it. Once received by a Third-Party Service, such data is processed in accordance with the terms and conditions and privacy policy of its provider and is outside our control. By authorising a Connector or giving instructions through it, you acknowledge and agree to the transmission of the relevant data to that Third-Party Service as described in this Section. You may disconnect or revoke your authorisation of any Connector on Allsum at any time. Once you disconnect, we will stop transmitting new data to that Third-Party Service through that Connector, but any data already transmitted must be dealt with directly with the provider of that Third-Party Service. For the avoidance of doubt, information already retrieved and included in your conversations before disconnection remains part of your conversation history, which you may clear at any time. The Connectors notice shown to you before you first use Connectors forms part of these Terms and Conditions.

6. MARKET DATA

6.1 You agree to be bound by the provisions provided in Schedule A - Terms and Conditions of Market Data Services to these Terms and Conditions, which is hereby incorporated into these Terms and Conditions by reference, with respect to your use of market data services on Allsum and you accept and agree to the contents of Schedule A.

6.2 You undertake and agree not to use all or any part of the market data information being displayed in Allsum for the purpose of disseminating or transmitting any market data information to any person, or index computation and compilation, or deriving any tradable products, or any other purpose.

6.3 You agree and confirm, and by use of the market data, you have consented to your acceptance of the following:

(i) Shanghai Stock Exchange, its holding companies and/or any subsidiaries of such holding companies endeavour to ensure the accuracy and reliability of the information provided but do not guarantee its accuracy or reliability and accept no liability for any loss or damage arising from any inaccuracies or omissions.

(ii) Shenzhen Stock Exchange, its holding companies and/or any subsidiaries of such holding companies endeavour to ensure the accuracy and reliability of the information provided but do not guarantee its accuracy or reliability and accept no liability for any loss or damage arising from any inaccuracies or omissions.

(iii) HKEX Information Services Limited, its holding companies and/or any subsidiaries of such holding companies endeavour to ensure the accuracy and reliability of the information provided but do not guarantee its accuracy or reliability and accept no liability for any loss or damage arising from any inaccuracies or omissions.

(iv) Singapore Exchange Securities Trading Limited, its holding companies and/or any subsidiaries of such holding companies endeavour to ensure the accuracy and reliability of the information provided but do not guarantee its accuracy or reliability and accept no liability for any loss or damage arising from any inaccuracies or omissions.

(v) The NASDAQ OMX Group, Inc., its holding companies and/or any subsidiaries of such holding companies endeavour to ensure the accuracy and reliability of the information provided but do not guarantee its accuracy or reliability and accept no liability for any loss or damage arising from any inaccuracies or omissions.

(vi) New York Stock Exchange, its holding companies and/or any subsidiaries of such holding companies endeavour to ensure the accuracy and reliability of the information provided but do not guarantee its accuracy or reliability and accept no liability for any loss or damage arising from any inaccuracies or omissions.

(vii) OTC Markets Group, its holding companies and/or any subsidiaries of such holding companies endeavour to ensure the accuracy and reliability of the information provided but do not guarantee its accuracy or reliability and accept no liability for any loss or damage arising from any inaccuracies or omissions.

(viii) Options Price Reporting Authority, LLC., its holding companies and/or any subsidiaries of such holding companies endeavour to ensure the accuracy and reliability of the information provided but do not guarantee its accuracy or reliability and accept no liability for any loss or damage arising from any inaccuracies or omissions.

7. THIRD-PARTY CONTENT

7.1 Allsum contains content furnished by third parties (each, a “Third-Party Provider” and collectively, the “Third-Party Providers”). Such content (“Third-Party Content”) includes, without limitation, any information, content, service or software made available by or through external links to social media websites, blogs, wikis, online conferences, telecasts and podcasts, data and tools made available through Connectors, and external sources cited in Outputs. Third-Party Content may be available through framed areas or through hyperlinks to the Third-Party Providers’ websites.

7.2 By accessing any Third-Party Content, you are directing us to access, route and transmit the Third-Party Content to you. We do not prepare, edit, or endorse Third-Party Content. Any hyperlinks to Third-Party Content are provided for your convenience only. By providing hyperlinks to Third-Party Content, we shall not be deemed to endorse, recommend, approve, guarantee or introduce any third party or the services or products it provides on the external website, or have any form of cooperation with such third party and the external website. As such, the availability of any Third-Party Content through Allsum does not imply our endorsement of, or our affiliation with, any provider of such Third-Party Content, nor does such availability create any legal relationship between you and any such provider. We do not guarantee the accuracy, timeliness, completeness or usefulness of Third-Party Content, and are not responsible or liable for any content, advertising, products, or other materials on or available from third-party sites.

7.3 The Platform Services and/or Third-Party Content posted or provided on Allsum are published and provided on an as-is basis. Neither we nor any of our affiliates are responsible for the contents available on or other websites links at Allsum. We do not control or guarantee, and are not responsible for any Third-Party Content, including the accuracy, timeliness, completeness, reliability, integrity, quality, legality, relevance, usefulness or safety of Third-Party Content, or any intellectual property rights therein. Certain Third-Party Content may, among other things, be inaccurate, incomplete, or deceptive. You shall, at your own discretion, determine the suitability, validity, accuracy, completeness and non-infringement before downloading any software or data from third-party websites. We are not liable for any loss or damage suffered, whether direct or indirect, as a result of any access to or interaction with any third-party website via Allsum.

7.4 The Platform Services and/or Third-Party Content posted or provided on Allsum are published as of its stated date or, if no date is stated, the date of first posting. Neither we, nor the Third-Party Providers have undertaken any duty to update any such information.

7.5 YOUR USE OF THIRD-PARTY CONTENT IS AT YOUR OWN RISK AND IS SUBJECT TO ANY ADDITIONAL TERMS AND POLICIES APPLICABLE TO SUCH THIRD-PARTY CONTENT (SUCH AS TERMS OF SERVICE OR PRIVACY POLICIES OF ANY THIRD-PARTY PROVIDERS).

7.6 Nothing in these Terms and Conditions will be considered a representation or warranty by us with respect to any Third-Party Content. Because neither Chrematica nor the Third-Party Providers have any control over the Third-Party Content, you acknowledge and agree that neither Chrematica nor the Third-Party Providers are responsible for the availability or content of such external sites or resources therein.

8. PROFILES AND FORUMS

8.1 Registered Users may make available certain materials (each an “App User Submission”) through or in connection with the use of Allsum. Chrematica has no control over and is not responsible for any use or misuse (including any distribution) by any third party of App User Submissions. IF YOU CHOOSE TO MAKE ANY OF YOUR PERSONALLY IDENTIFIABLE OR OTHER INFORMATION PUBLICLY AVAILABLE THROUGH ALLSUM, YOU DO SO AT YOUR OWN RISK.

9. APP USER SUBMISSIONS

9.1 You grant us a worldwide, non-exclusive, royalty-free licence to host, store, process, reproduce, distribute, perform, display, and otherwise use your Inputs and Outputs to provide, maintain, secure and improve the Platform Services, including to train and improve our AI models, in accordance with our Privacy Policy, provided that data retrieved through a Connector is not used for training and shall be used only to provide the Platform Services to you, save as otherwise permitted by the terms of the relevant Third-Party Service. You may opt out of the use of your Inputs and Outputs for training our AI models at any time through the settings on Allsum. Opting out does not affect use already made before you opt out. “Inputs” means any text, voice input, image, file, instruction, or other material that you submit to Allsum (including data retrieved through a Connector at your request), and “Outputs” means any response, analysis, summary or other content generated by Allsum in response to your Inputs. As between you and us, you retain any rights you have in your Inputs. You may use the Outputs for your personal and non-commercial purposes.

9.2 You are responsible for your Inputs and represent and warrant that (i) you have all rights, consents and authorisations necessary to submit them and to grant the licence in this Section 9.1, including in respect of any personal data of third parties contained in them, and (ii) your Inputs, and your provision thereof in connection with Allsum, are complete and accurate, and are not fraudulent, tortious or otherwise in violation of any applicable law or any right of any third party.

9.3 In addition, if you provide to us any ideas, proposals, suggestions or other materials (“Feedback”), whether related to Allsum or otherwise, such Feedback will be considered an App User Submission, and you hereby acknowledge and agree that such Feedback is not confidential, and that your provision of such feedback is gratuitous, unsolicited and without restriction, and does not place Chrematica under any fiduciary or other obligation.

9.4 This Clause 9 will survive the termination of these Terms and Conditions.

10. MONITORING

10.1 We may (but have no obligation to) monitor, evaluate, alter or remove any App User Submission before or after it appears on Allsum, or analyse your use of Allsum. Subject to our Privacy Policy, we may disclose information regarding your use of Allsum, and the circumstances surrounding such use, for reasons or purposes in accordance with our Privacy Policy.

11. USE OF ALLSUM

11.1 We have not solicited your use of Allsum, or any request for information you have made as a result of you using Allsum and any content available through Allsum to you shall not be regarded as investment, financial, tax or professional advice. You should consult your own professional adviser before making any investment or financial decision or purchasing any investment product or subscribing to any service.

11.2 You are solely responsible for evaluating the merits and risks associated with the use of any content available through Allsum before making any decisions based on such content.

11.3 In addition, please note that certain content available through Allsum may be Third-Party Content subject to the provisions of Section 7 above. We may work with different companies at any time and provide different content such as news, e-news, journals and articles on Allsum. The content provider will be shown at the time of the publication on Allsum. You should determine the accuracy of such content and if it is relevant for yourself.

11.4 As a user of Allsum, you agree to comply with the laws and regulations of your jurisdiction as well as ours. You undertake to act voluntarily, fairly, and honestly, without infringing the rights of others, seeking undue benefits, or disrupting the normal operation of the internet platform. Users are expected to contribute to a healthy and positive online environment. You may not use Allsum:

(a) in any way that breaches any applicable law, regulation or code of practice;

(b) in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;

(c) for the purpose of harming or attempting to harm minors in any way;

(d) to send, knowingly receive, upload, download, use or re-use any material which:

(i) is defamatory, obscene, hateful, discriminatory or inflammatory;

(ii) promotes violence, discrimination or illegal activity; or

(iii) infringes any Intellectual Property Rights (as defined above in Section 4.4), right of confidentiality or right to privacy;

(e) to transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam);

(f) to generate and/or cause congestion to our network traffic in excess of reasonable and normal usage;

(g) to cause any disruption, interference, interruption or degradation in our network and/or our Platform; or

(h) to knowingly transmit any data, send or upload any material that contains any viruses, trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other technologically harmful programs, data or code.

11.5 You also agree:

(a) not to reproduce, duplicate, copy or re-sell the entire or any part of Allsum in contravention of these Terms and Conditions; and

(b) not to access without authority, interfere with, damage or disrupt:

(i) any part of Allsum;

(ii) any equipment or network on which Allsum is stored;

(iii) any software used in the provision of Allsum; or

(iv) any equipment, network or software owned or used by any third party in connection with your use of Allsum.

11.6 From time to time, we may without penalty or liability, restrict access to some parts of Allsum, or our entire Platform, to any Registered User, at our sole and absolute discretion and without providing any reasons.

11.7 Allsum is made available in multiple jurisdictions, but not all features, Connectors or Subscription Plans are available in every jurisdiction. You are responsible for ensuring that your use of Allsum complies with the laws applicable to you in your jurisdiction.

12. SUBSCRIPTION PLANS, FEES, AND REFUND POLICY

12.1 The Platform Services may be provided free of charge and on a fee‑paying basis, which may include subscription fees and/or service fees. Where you use any fee‑paying services, you acknowledge and agree to pay such fees as applicable. We reserve the right to determine acceptable payment methods and applicable fees amount, and to amend them from time to time at our sole discretion. All current pricing and fee information is made available on Allsum. You may choose not to use Allsum on a paid subscription basis. However, if you choose not to pay the applicable fees for the subscription, you acknowledge and agree that we reserve the right, without liability, to restrict or deny your access to those specific paid services and premium features.

12.2 Allsum may be offered through different levels of subscription plans (each a “Subscription Plan”). The features, entitlements, usage limits, currency, prices, upgrades, downgrades, and other terms of each Subscription Plan are displayed on Allsum from time to time, and may be amended, modified, or discontinued at any time based on our discretion. Paid Subscription Plans are available to such regions as we may make available from time to time. Prices may be inclusive or exclusive of applicable taxes, as indicated at the time of purchase. At the time when you are required to pay subscription fees, we will clearly indicate the chargeable items and display the charging standard and payment methods. You shall read such content carefully before you confirm payment. By providing a payment method, you authorise us and our payment processor to charge all applicable fees, including recurring fees, to that payment method. You acknowledge that you have fully read, understood and accepted all associated fees and terms, and you agree that we shall not be held liable for any disputes arising from your failure to review this information.

12.3 All payments are non-refundable, including during any service unavailability, except as set out in this Clause 12.3 or as required by applicable law. If you paid through a third-party payment channel, such as an app store or any payment provider, you may, where applicable, request a refund from that channel under its terms; its decision is final and we are not responsible for it. You may also contact our customer service, and we may, in special cases and at our sole discretion, approve a refund or support your request to the payment channel. Any refund will not exceed the amount paid and may be subject to deductions, taxes and fees. We are not obliged to refund partial billing periods, any usage already incurred, suspected fraud or abuse, or where these Terms and Conditions are terminated or breached under Clause 14.3.

13. EXCLUSION OF LIABILITY AND INDEMNITY

13.1 The Platform Services are provided on an “as is” and “as available” basis. To the fullest extent permitted under applicable law, Chrematica and Third-Party Providers expressly disclaim all warranties of any kind with respect to the Platform Services, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. Neither Chrematica nor Third-Party Providers guarantee the accuracy, timeliness, completeness or usefulness of any Platform Services. You agree to use the Platform Services at your own risk and not to hold us liable for any possible claim for damages arising from any decision you make based on the content available through Allsum or any Third-Party Content.

13.2 The content or any feature on Allsum is for general informational purposes only. It does not constitute, nor is intended to provide any financial, legal, tax or investment advice or recommendations. You are solely responsible for determining whether any self-directed investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. Past performance data should not be construed as indicative of future results. You should consult your legal or tax professional regarding your specific situation.

13.3 We and/or the Third-Party Providers may discontinue or modify the Platform Services, or any portion thereof, at any time. You release and agree to indemnify and hold harmless us and the Third-Party Providers, for any loss or damages arising from or relating to such discontinuation or modification.

13.4 You acknowledge that Outputs are generated automatically by AI and may be inaccurate, incomplete, out of date, inconsistent or inappropriate, may reflect errors from Inputs, Connector data or Third-Party Content, and may differ in response to similar Inputs. You are solely responsible for independently verifying any Output before relying on it. To the extent permitted by law, we shall not be liable for any loss, direct or indirect, arising from your reliance on any Output or any data obtained through a Connector.

13.5 Indemnity

You agree to indemnify and hold Chrematica, its employees, agents, officers, directors, contractors, suppliers and other representatives harmless from and against all liabilities, damages, claims, actions, costs and expenses, including reasonable attorneys’ fees incurred in connection with or arising from:

(a) breach or non-observance of any of the terms and conditions herein by yourself or any other person or entity where such person or entity was able to access and/or use Allsum by using your account and/or password; or

(b) access to and/or use of Allsum by yourself or any other person or entity’s access to and/or use of Allsum where such person or entity was able to access Allsum using your account and/or password.

(c) Both Chrematica and you agree that no action, regardless of form, arising out of or in connection with Allsum or these Terms and Conditions may be brought by you against us more than one (1) year after the cause of action has accrued.

(d) This Clause 13 will survive termination of these Terms and Conditions.

14. TERMINATION

14.1 These Terms and Conditions will terminate immediately without notice from Chrematica if you, in our sole discretion, fail to comply with any of these Terms and Conditions. Chrematica shall not be liable to you or any third party for the termination or suspension of these Terms and Conditions or your use of Allsum or any claims related to such termination or suspension.

14.2 Immediately upon any such termination, your right to use Allsum will end, and we shall deactivate or close your account, Username, password and and you will no longer have access to any associated materials, without any obligation on us to provide further access to them.

14.3 Upon termination, or upon suspension for your breach of these Terms and Conditions, any paid Subscription Plan will end without refund.

15. SEVERABILITY

15.1 In the event that any of these provisions are found to be or become unlawful, invalid or otherwise unenforceable, that provision is to be deemed severed from these Terms and Conditions and shall not affect the legality, validity and enforceability of the remaining provisions of these Terms and Conditions. These Terms and Conditions shall continue in force as if such unlawful, invalid or unenforceable provision was severed from these Terms and Conditions.

16. NO WAIVER

16.1 Any failure or delay by yourself or us in exercising or enforcing any right or remedy contained in these Terms and Conditions does not constitute a waiver by the party responsible for such delay or failure. It shall also not constitute a bar to the exercise or enforcement at any subsequent time or times.

17. GOVERNING LAW AND JURISDICTION

17.1 The terms and conditions herein shall be governed by the laws of Singapore and you agree to submit to the non-exclusive jurisdiction of the Singapore courts. This Clause 17 will survive the termination of these Terms and Conditions.

18. OTHERS

18.1 These Terms and Conditions do not create any partnership, joint venture, employer-employee, agency or franchisor-franchisee relationship between you and Chrematica.

18.2 Any headings in these Terms and Conditions are for convenience only.

18.3 In the event there is any discrepancy between the English version of these Terms and Conditions and any version in another language, the English version shall prevail.

18.4 Contact. If you have any questions about these Terms and Conditions or Allsum, please contact us at contact@allsum.ai.

SCHEDULE A: TERMS AND CONDITIONS OF MARKET DATA SERVICES

The market data information (the “Market Data”) is provided by the Shanghai Stock Exchange, the Shenzhen Stock Exchange, the Hong Kong Stock Exchange, Singapore Exchange Securities Trading Limited, the New York Stock Exchange, the NASDAQ OMX Group, Inc., Options Price Reporting Authority, LLC, OTC Markets Group, and other relevant third parties with which Allsum co-operates or links with from time to time (collectively, the “Exchanges”) as stipulated in this Schedule A.

The specific content of the Market Data of the relevant Exchanges that we present to you is dependent on our (and our affiliates’) cooperation with qualified or licensed data service providers (including but not limited to Exchanges) (the “Data Service Providers”). You shall strictly comply with the Terms and Conditions of Market Data Service set forth in this Schedule A and shall not distribute, display, or make available in any form any relevant Market Data without the separate authorization of us and the Data Service Providers. You acknowledge and agree that, in order to use the Market Data services described below, you shall strictly comply with the following provisions:

1. PROVISION OF MARKET DATA

1.1 The Market Data provided herein is for the exclusive use of you for your personal use, within the scope of the activities authorised hereunder and not for any illegal purpose. You shall take all reasonable measures in order to avoid Market Data that it receives being used for unauthorised or illegal purposes or being hacked.

1.2 You acknowledge and confirm that all Market Data is provided by our cooperative Data Service Providers and does not reflect our (including our affiliates’) opinions or the products served on Allsum. Our products relating to the Market Data are only for display purposes, and shall not be deemed as any recommendations for you to purchase or sell any security products in your account or in any other relevant account.

1.3 You acknowledge and confirm that the Market Data is provided by third-party Data Service Providers and that we, our affiliates, and third-party Data Service Providers do not guarantee its accuracy or reliability. We and our affiliates shall not be liable for any loss or damage incurred by you due to any delay, error, or omission of any Market Data.

1.4 You acknowledge and confirm that we are providing you with the service of displaying Market Data but do not guarantee its accuracy, completeness, timeliness, or fitness for purpose. Any Market Data provided by us does not constitute any investment advice. You view or act in reliance on such Market Data at your own risk and for any consequences. Neither we nor our affiliates shall bear any legal responsibility. You further acknowledge and confirm that all securities investments are subject to risk and that past performance of securities or any other financial products are no guarantee of future returns. Diversification of an investment portfolio may help to distribute risk but will not guarantee returns or prevent losses. You should fully understand relevant financial products before engaging in any investment activity, clearly understand its potential risks, and make rational decisions based on your own risk tolerance or the recommendations made by your professional advisors.

1.5 You understand and acknowledge that we and our applicable affiliate are not liable for the consequences where any Market Data is delayed, suspended, or interrupted, or you suffer the loss of information or data on Allsum due to the malfunction of your own network or equipment, or caused by the Exchanges or third-party Data Service Provider.

1.6 You acknowledge and confirm that we and our applicable affiliate shall not bear any legal liability for the relevant service interruption or loss of users caused by force majeure.

1.7 You understand and acknowledge that we and our applicable affiliate will use reasonable efforts to give prior notice to you in the event of service suspension due to the regular system maintenance or upgrade; however, you further agree that if we determine it impractical to send notification in advance, we reserve the right to suspend or terminate the Platform Services without giving any previous notifications; we and our applicable affiliate will not bear any legal liability for any losses caused by the suspension or termination of the service.

1.8 The Market Data provided under this Schedule A shall only be used by you within the scope of authorization expressly set forth hereunder and shall not be used for any other purpose; in the meantime, you shall take all reasonable measures to prevent the received Market Data from being used for other unauthorised or illegal purpose or being hacked.

1.9 You acknowledge and confirm that, for the purpose of using the services under this Schedule A, you shall unconditionally accept the terms and conditions as modified or added by the Exchanges or Data Service Providers, as well as other requirements as added or amended by us from time to time. If you disagree with such terms or conditions you shall immediately notify us, and your continued use of the Platform Services hereunder shall be deemed as your consent to the corresponding additions or amendments.

1.10 You acknowledge and confirm that the Market Data and all the rights related thereto shall be owned by the Exchanges.

1.11 You acknowledge and confirm that any unauthorised use of the Market Data shall be at your own risk, including but not limited to indemnifying us (including our affiliates) or the Exchanges for any losses.

1.12 You acknowledge that since the Market Data relates to financial information, the Exchanges, Market Data Providers and/or your broker-dealer reserve(s) the right to modify the structure of the Market Data provided in the event that they are required to do so by legislation or that any regulations governing them are amended.

1.13 You acknowledge and confirm that we and our applicable affiliate shall unconditionally accept requests from the Exchanges or the Data Service Providers from time to time or adjust or suspend the provision of the relevant Market Data for any reason of the Exchanges or the Data Service Providers. And we and our applicable affiliate are not liable for the said adjustment, interruption or termination as requested by the Exchange or the Data Service Providers.

1.14 You acknowledge and confirm that if you use the specific Market Data services provided by us, we may charge you a certain service fee, subject to your then-current webpage notices and requests. If you do not agree to the relevant service rates displayed by us then, please do not proceed with the operation and use of such paid services.

1.15 You acknowledge that we are under an absolute obligation to modify or stop providing the Market Data on first demand from the Market Data Providers to do so, and for whatever reason. Should this happen, Chrematica shall in no case be held liable for the consequences of this modification, interruption or termination in the provision of Market Data.

1.16 Neither Chrematica nor any Market Data Provider shall be directly or indirectly liable for any damage whatsoever resulting directly or indirectly from the content, reliability, integrity, comprehensiveness, accuracy or quality of the Market Data. Chrematica shall not be directly or indirectly liable for any damages whatsoever, including consequential loss, special, indirect or punitive damages, resulting from or arising out of an interruption or of the transmission of the Market Data.

2. TERMINATION

2.1 This Schedule A shall take effect on the date when you click agree and accept it together with the Terms and Conditions. We reserve the right to suspend, interrupt or terminate the provision of services to you for business adjustments or risk control purposes.

2.2 This Schedule A shall automatically terminate and forthwith become null and void upon termination and/or closure of your user account on Allsum.

2.3 If you fail to comply with the relevant provisions regarding Market Data hereunder, we may automatically terminate and discontinue the provision of Market Data at any time without any legal liability and/or any compensation to you.

3. THE EXCHANGES’ DISCLAIMERS

3.1 As of the signing of this Schedule A, for all Data Service Providers and Exchanges, which we (including our affiliates) co-operate with, in addition to complying with the provisions hereunder, you shall also review and agree to any other requirements, terms, and/or conditions imposed by the relevant Data Service Providers or Exchanges relating to the relevant Market Data.

3.2 Please read the link below and confirm by yourself at the relevant Exchange’s official website for details. By using the services provided hereunder, you shall be deemed to have agreed to the terms and conditions of the relevant Exchanges. If you do not agree to any of the Exchange’s terms and conditions, you shall immediately terminate your use of the Market Data services provided by us to you and immediately notify us of such termination. We (including our affiliates) shall not be liable for any issues arising from any delay or non-notification by you of such termination.

3.3 The Market Data Providers’ Disclaimers

In relation to the Market Data supplied to you, you acknowledge and agree that:

1. SHANGHAI STOCK EXCHANGE, ITS HOLDING COMPANIES AND/OR ANY SUBSIDIARIES OF SUCH HOLDING COMPANIES ENDEAVOUR TO ENSURE THE ACCURACY AND RELIABILITY OF THE INFORMATION PROVIDED BUT DO NOT GUARANTEE ITS ACCURACY OR RELIABILITY AND ACCEPT NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING FROM ANY INACCURACIES OR OMISSIONS.

   Please see the official website: https://www.sseinfo.com/services/assortment/market/

2. SHENZHEN STOCK EXCHANGE, ITS HOLDING COMPANIES AND/OR ANY SUBSIDIARIES OF SUCH HOLDING COMPANIES ENDEAVOUR TO ENSURE THE ACCURACY AND RELIABILITY OF THE INFORMATION PROVIDED BUT DO NOT GUARANTEE ITS ACCURACY OR RELIABILITY AND ACCEPT NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING FROM ANY INACCURACIES OR OMISSIONS.

   Please see the official website here: http://www.szsi.cn/cpfw/fwsq/hq/jb.htm

3. HONG KONG STOCK EXCHANGE, ITS HOLDING COMPANIES AND/OR ANY SUBSIDIARIES OF SUCH HOLDING COMPANIES ENDEAVOUR TO ENSURE THE ACCURACY AND RELIABILITY OF THE INFORMATION PROVIDED BUT DO NOT GUARANTEE ITS ACCURACY OR RELIABILITY AND ACCEPT NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING FROM ANY INACCURACIES OR OMISSIONS.

   Please see the official website here: https://www.hkex.com.hk/Services/Market-Data-Services/Real-Time-Data-Services/Overview?sc_lang=en

4. SINGAPORE EXCHANGE SECURITIES TRADING LIMITED, ITS HOLDING COMPANIES AND/OR ANY SUBSIDIARIES OF SUCH HOLDING COMPANIES ENDEAVOUR TO ENSURE THE ACCURACY AND RELIABILITY OF THE INFORMATION PROVIDED BUT DO NOT GUARANTEE ITS ACCURACY OR RELIABILITY AND ACCEPT NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING FROM ANY INACCURACIES OR OMISSIONS.

   Please see the official website here: https://www.sgx.com/data-connectivity

   The Exchange Official Subscription Agreements/Terms:

   https://api2.sgx.com/sites/default/files/2018-04/Terms%2Band%2BConditions%2Bof%2BUse%2Bof%2BMaterials%2B%28including%2BMarket%2BData%29%2Bfrom%2BSGX%2BWebsite%2Band%2BSGX%2BMobile%2BApp.pdf

5. THE NASDAQ OMX GROUP, INC., ITS HOLDING COMPANIES AND/OR ANY SUBSIDIARIES OF SUCH HOLDING COMPANIES ENDEAVOUR TO ENSURE THE ACCURACY AND RELIABILITY OF THE INFORMATION PROVIDED BUT DO NOT GUARANTEE ITS ACCURACY OR RELIABILITY AND ACCEPT NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING FROM ANY INACCURACIES OR OMISSIONS.

   Please see the official website here: https://www.nasdaq.com/solutions/nasdaq-totalview

   The Exchange Official Subscription Agreements/Terms:

   https://pub.lbkrs.com/files/202110/1uFBC2mEh5dVaSKe/Sub_Agreement-UTP_Plan.pdf

6. NEW YORK STOCK EXCHANGE, ITS HOLDING COMPANIES AND/OR ANY SUBSIDIARIES OF SUCH HOLDING COMPANIES ENDEAVOUR TO ENSURE THE ACCURACY AND RELIABILITY OF THE INFORMATION PROVIDED BUT DO NOT GUARANTEE ITS ACCURACY OR RELIABILITY AND ACCEPT NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING FROM ANY INACCURACIES OR OMISSIONS.

   Please see the official website as below: https://www.nyse.com/market-data/real-time

   The Exchange Official Subscription Agreements/Terms:

   https://pub.lbkrs.com/files/202110/AUH9tWczkuHvoiST/Exhibit_B_Metered_Usage_Addendum_and_Non-Professional_Subscriber_Electronic.pdf

7. OTC MARKETS GROUP, ITS HOLDING COMPANIES AND/OR ANY SUBSIDIARIES OF SUCH HOLDING COMPANIES ENDEAVOUR TO ENSURE THE ACCURACY AND RELIABILITY OF THE INFORMATION PROVIDED BUT DO NOT GUARANTEE ITS ACCURACY OR RELIABILITY AND ACCEPT NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING FROM ANY INACCURACIES OR OMISSIONS.

   Please see the official website here: https://www.otcmarkets.com/market-data/overview

   Official Subscription Agreements/Terms:

   https://www.otcmarkets.com/files/Market%20Data%20File%20Subscription%20Agreement%20%281.1.2021%29.pdf

8. OPTIONS PRICE REPORTING AUTHORITY, LLC, ITS HOLDING COMPANIES AND/OR ANY SUBSIDIARIES OF SUCH HOLDING COMPANIES ENDEAVOUR TO ENSURE THE ACCURACY AND RELIABILITY OF THE INFORMATION PROVIDED BUT DO NOT GUARANTEE ITS ACCURACY OR RELIABILITY AND ACCEPT NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING FROM ANY INACCURACIES OR OMISSIONS.

   Please see the official website here: https://www.opraplan.com/

   The Exchange Official Subscription Agreements/Terms:

   https://pub.lbkrs.com/files/202110/ef4pUUmSQ7xjzSGe/Sub_Agreement-OPRA.pdf