End User Licence Agreement & Data Processing Agreement

1. Definitions

"Service" means the tali. investment analysis platform made available online via subscription, including all features, tools, content, and functionality.

"User Data" means any data or information you upload, submit, or input into the Service, including portfolio information.

"Output" means any analysis, insight, report, briefing, response, or other content generated or provided by the Service, including AI-generated content.

2. The Service

2.1 The Service is an investment analysis platform that provides AI-generated briefings, portfolio tracking, research tools, and educational content.

2.2 The Service is continuously developed and improved. Features may be added, modified, or removed at any time.

2.3 The Service may experience planned or unplanned interruptions. We will use reasonable efforts to minimise disruption.

2.4 The Service is provided for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice.

3. Licence Grant

3.1 We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your personal, non-commercial use, subject to the terms of your subscription.

3.2 No ownership rights in the Service are transferred to you.

3.3 We may revoke this licence at any time without notice.

4. Acceptable Use

You must not: - Copy, modify, reverse engineer, or attempt to extract source code from the Service - Share, resell, sublicense, or make the Service available to any third party - Use the Service for unlawful, misleading, fraudulent, or malicious purposes - Interfere with or attempt to gain unauthorised access to the Service or its security - Upload malware, harmful code, or unlawful content - Use the Service to provide regulated financial or investment advice to others - Scrape or harvest data from the Service using automated means

We may suspend or terminate your access immediately if we believe you have breached this section.

5. Accounts & Access

5.1 You must keep your account credentials secure and confidential.

5.2 You are responsible for all activity carried out through your account.

5.3 You must not share your login details with any other person.

5.4 You must be at least 18 years old to use the Service.

6. Intellectual Property

6.1 All intellectual property rights in the Service, including software, algorithms, models, prompts, designs, branding, and content, are owned by us or our licensors.

6.2 Nothing in this Agreement grants you any intellectual property rights in the Service.

7. User Data & Portfolio Information

7.1 You retain ownership of your User Data.

7.2 You grant us a limited licence to host, process, analyse, and display your User Data solely to operate, develop, and improve the Service.

7.3 Portfolio information is treated as confidential and processed in accordance with this Agreement, our Privacy Policy, and the Data Processing Agreement in Schedule 1.

7.4 We may use aggregated and anonymised data to improve the Service, but we will not share identifiable portfolio information with third parties.

7.5 You may request deletion of your User Data at any time. Upon termination, data will be deleted or anonymised within 90 days unless retention is required by law.

8. Investment Information Disclaimer

8.1 The Service does not provide financial, investment, tax, or legal advice.

8.2 The Service does not take into account your personal circumstances or investment objectives.

8.3 You are solely responsible for your investment decisions and should seek advice from regulated professionals where appropriate.

8.4 All investments involve risk. Past performance is not indicative of future results.

9. AI & Output Disclaimer

9.1 Outputs are generated using artificial intelligence and data-driven models.

9.2 Outputs are informational only and may be inaccurate, incomplete, outdated, or incorrect.

9.3 You must independently verify all Outputs before relying on them.

9.4 We accept no responsibility for decisions made in reliance on Outputs.

10. Data Sources & Accuracy

10.1 The Service relies on third-party data sources which we do not control.

10.2 We do not guarantee the accuracy, completeness, timeliness, or reliability of any data or Outputs.

11. Fees & Subscription

11.1 The Service offers a 14-day free trial. No payment is required to start the trial. At the end of the trial, access reverts to a limited tier unless you subscribe to a paid plan.

11.2 Paid subscription plans (Pro Monthly and Pro Annual) are available at the prices shown at the point of purchase on your platform. Prices vary between platforms (web, iOS, Android) to account for platform fees. From time to time we may offer early adopter or promotional pricing, which will be honoured for the duration specified at the time of purchase.

11.3 Payments made via our website are processed by Paddle.com Market Limited, who acts as our merchant of record. By subscribing through the website, you also agree to Paddle's Terms of Service. Payments made via the iOS app are processed by Apple through the App Store and are governed by Apple's Media Services Terms and Conditions.

11.4 We may change subscription prices with at least 30 days' written notice (via email or in-app notification). Price changes take effect at the start of your next billing period. You may cancel before the new price takes effect.

11.5 You may cancel your subscription at any time via Settings > Subscription. Cancellation takes effect at the end of your current billing period. No partial refunds are given for the remaining period.

11.6 Right of Withdrawal: Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have a 14-day statutory right to cancel from the date of purchase. By using the Service during this period, you acknowledge that digital content delivery has begun and you may lose your right to cancel once the content has been fully provided. To exercise your right of withdrawal, contact us at support@talianalyst.com.

12. Availability & Changes

12.1 We do not guarantee availability, continuity, or data persistence.

12.2 We may modify, suspend, or discontinue the Service or any feature at any time without notice.

13. Termination

13.1 You may stop using the Service at any time.

13.2 We may suspend or terminate your access at any time, for any reason, without liability.

13.3 Upon termination, your licence ends immediately.

14. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND.

15. Limitation of Liability

To the maximum extent permitted by law: - We are not liable for any indirect or consequential losses - Our total liability shall not exceed £100 or the total fees paid by you in the 12 months preceding the claim, whichever is greater

Nothing limits liability for fraud, death, or personal injury caused by negligence.

16. Regulatory Status

16.1 HH Ventures is not authorised or regulated by the Financial Conduct Authority in relation to the tali. Platform.

16.2 The Service does not constitute a regulated financial service.

17. Governing Law

This Agreement is governed by the laws of England and Wales. The courts of England and Wales have exclusive jurisdiction.

18. Changes to This Agreement

We may update this Agreement at any time. Material changes will be communicated via email or in-app notification. Where required, your continued use of the Service following notification constitutes acceptance of the updated Agreement.

19. Contact

For questions relating to this Agreement or the Service, please contact us at:

support@talianalyst.com

SCHEDULE 1 — DATA PROCESSING AGREEMENT (DPA)

This Data Processing Agreement forms part of the Agreement.

1. Roles

You act as Data Controller. We act as Data Processor.

2. Processing Details

• Subject matter: provision of the Service
• Duration: for the term of the Agreement
• Purpose: operating and improving the Service

3. Processor Obligations

We will:

• Process personal data only on your instructions
• Maintain appropriate security measures
• Notify you of personal data breaches without undue delay
• Delete or return personal data on termination unless legally required to retain it

4. Sub-processors

You authorise us to engage the following sub-processors, each subject to equivalent data protection obligations:

• Supabase Inc. — database hosting and authentication (EU region)
• Paddle.com Market Limited — payment processing and subscription management (EU)
• OpenRouter Inc. — AI model routing (US; portfolio context and prompts are processed by third-party LLMs)
• EODHD APIs — financial market data (EU)
• Resend Inc. — transactional email delivery (US)
• Functional Software Inc. (Sentry) — error monitoring and crash reporting (EU region)
• PostHog Inc. — product analytics, with user consent (EU region)
• Vercel Inc. — application hosting and edge functions (US)

We will notify you of any changes to sub-processors via email or in-app notification.

5. Governing Law

This DPA is governed by the laws of England and Wales.