Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the websites, applications, software platforms, content, and other online services provided by SigmaPointPi Inc. ("SigmaPointPi" or "SPP") (collectively, the "Services").

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

SigmaPointPi Inc. is a Delaware C corporation that operates live software platforms for financial operating systems, treasury, payments, corporate card, ledger, reconciliation, forecasting, tax orchestration, and multi-domain intelligence infrastructure. SigmaPointPi is not a registered broker dealer, investment adviser, or financial institution and does not execute trades, manage client assets, or provide investment advisory services.

2. Eligibility

You may use the Services only if you:

• Are at least the age of majority in your jurisdiction or have the consent of a parent or legal guardian, and
• Have the legal capacity to form a binding contract with SigmaPointPi, and
• Are not barred from using the Services under applicable law.

Certain aspects of the Services, including any investor or partnership discussions, may be available only to institutional or accredited investors or other eligible parties, and may be subject to additional terms.

3. Informational Purpose; Not Investment Advice

The content, models, simulations, descriptions, and other materials made available through the Services are provided for informational purposes in connection with our software platforms and business communications.

In particular:

• Nothing on the Services constitutes financial, investment, trading, legal, tax, or other professional advice.
• SigmaPointPi is not a registered broker dealer, investment adviser, or financial institution and does not execute trades, accept client funds for trading, or provide asset management or investment advisory mandates.
• Descriptions of platform capabilities, roadmaps, or future features may change and are subject to applicable law, eligibility, and separate agreements where required.
• No information on the Services constitutes an offer to sell or a solicitation of an offer to buy any security or other financial instrument.

You are solely responsible for any decisions you make based on information from the Services. You should consult your own professional advisers before making any financial, legal, or other decisions.

4. Accounts and Security

If we provide account based access, including "Client Login", you agree to:

• Provide accurate and complete account information and update it as needed.
• Maintain the confidentiality of your login credentials and not share them with any third party.
• Notify us promptly at spp@sigmapointpi.com of any suspected unauthorized access or breach of security involving your account.

You are responsible for all activities that occur under your account, whether or not you authorized them.

We reserve the right, in our sole discretion and without liability, to suspend or terminate accounts, restrict access, or modify features at any time, including for suspected violations of these Terms or applicable law.

5. License and Intellectual Property

Subject to your compliance with these Terms, SigmaPointPi grants you a limited, non exclusive, non transferable, revocable license to access and use the Services for your personal or internal business purposes, solely as permitted by these Terms and applicable law.

All content and materials on the Services, including text, graphics, logos, icons, images, diagrams, software, algorithms, models, and designs, are owned by or licensed to SigmaPointPi and are protected by intellectual property and other laws. Except as expressly permitted by these Terms, you may not:

• Copy, reproduce, modify, adapt, translate, or create derivative works of any part of the Services.
• Reverse engineer, decompile, or disassemble any software or models, except to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation.
• Remove, obscure, or alter any proprietary notices.
• Use any data mining, robots, or similar data gathering or extraction methods.

Any feedback, suggestions, or ideas you submit regarding the Services may be used by SigmaPointPi without restriction and without obligation to you, and you hereby assign or agree to assign all right, title, and interest in such feedback to SigmaPointPi to the maximum extent permitted by law.

6. Prohibited Conduct

You agree not to:

• Use the Services for any unlawful purpose or in violation of any applicable law or regulation.
• Attempt to gain unauthorized access to the Services, accounts, or systems, or interfere with or disrupt the operation or security of the Services.
• Upload, transmit, or otherwise make available any content that is unlawful, harmful, fraudulent, infringing, or otherwise objectionable.
• Misrepresent your identity, affiliation, or status (including your investor status) in any interaction with SigmaPointPi.
• Use the Services to develop, train, or operate competing systems in violation of any applicable law or contract, or to circumvent regulatory requirements.
• Use automated tools to scrape, harvest, or index the Services except as allowed by a publicly available robots.txt file or a separate written agreement with SigmaPointPi.

We may investigate and take appropriate action regarding any suspected violation of these Terms, including cooperation with law enforcement and regulators.

7. Third Party Services and Content

The Services may contain links to or integrations with third party websites, platforms, or services. SigmaPointPi does not control and is not responsible for third party services or their content, policies, or practices. Your use of third party services is at your own risk and may be subject to additional terms and privacy policies.

8. Forward Looking Statements

The Services may contain forward looking statements, including statements about SigmaPointPi's research, plans, objectives, future products, regulatory strategy, and potential performance. These statements are based on current expectations and assumptions and are subject to risks and uncertainties. Actual outcomes may differ materially. SigmaPointPi has no obligation to update any forward looking statements.

9. Disclaimers

To the maximum extent permitted by law:

• The Services are provided "as is" and "as available" without any warranties of any kind, whether express, implied, or statutory.
• SigmaPointPi disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, non infringement, and any warranties arising from course of dealing or usage of trade.
• SigmaPointPi does not warrant that the Services will be accurate, complete, reliable, error free, secure, or uninterrupted, or that any defects will be corrected.
• You assume all risk for your use of the Services and any reliance on information obtained through the Services.

10. Limitation of Liability

To the maximum extent permitted by law:

• SigmaPointPi and its founders, officers, employees, contractors, and agents will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or for any loss of profits, revenues, data, or goodwill, arising out of or in connection with the Services or these Terms, even if advised of the possibility of such damages.
• SigmaPointPi's total aggregate liability for any claims arising out of or in connection with the Services or these Terms will not exceed one hundred United States dollars (USD 100).

Some jurisdictions do not allow certain limitations or exclusions of liability, so some of the above limitations may not apply to you.

11. Indemnification

You agree to defend, indemnify, and hold harmless SigmaPointPi and its founders, officers, employees, contractors, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Services,
• Your violation of these Terms,
• Your violation of any applicable law or regulation, or
• Your infringement or misappropriation of any third party rights.

12. Governing Law and Dispute Resolution

These Terms and any disputes arising out of or relating to them or the Services are governed by the laws of the Commonwealth of Massachusetts, United States, without regard to its conflict of law rules.

You agree that any dispute between you and SigmaPointPi will be resolved in the state or federal courts located in Massachusetts, and you consent to the personal jurisdiction and venue of such courts, unless applicable law requires a different forum. Nothing in these Terms limits any right you may have under mandatory law in your jurisdiction.

13. Changes to the Terms

We may modify these Terms from time to time. When we do, we will update the "Effective date" above and may provide additional notice where required. Your continued use of the Services after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Services.

14. Contact

If you have questions about these Terms, please contact:

SigmaPointPi

Attn: Legal

Email: spp@sigmapointpi.com

Phone: +1 (413) 428-5439