Richify.ai Terms of Service

2.1 Investment Risks

You acknowledge that:

(a) Investing involves significant risk, including the potential loss of your entire invested capital;

(b) Past performance does not guarantee future results;

(c) Any investment decisions you make based on information from the Services are made solely at your own risk and discretion; and

(d) You should consult a licensed financial adviser, accountant, or attorney before making any investment, financial, legal, or tax decisions.

2.2 Educational Content Only (Personalized for Learning)

Richify.ai enables users to manually track and monitor their financial information, including assets, liabilities, and related data.
Based on the information users choose to enter, Richify.ai uses AI-powered assistants to generate personalized educational content, explanations, and high-level insights intended to support financial understanding and awareness.
This personalization is provided for educational purposes only. Richify.ai does not provide financial, investment, legal, or tax advice, does not assess the suitability of any decision, and does not make personalized recommendations. Users remain solely responsible for their financial decisions.

2.3 No Fiduciary or Professional Relationship

Your use of the Services does not create:

(a) Any fiduciary relationship between you and Richify.ai—we owe you no fiduciary duties and do not act as your investment adviser, financial planner, broker, or fiduciary;

(b) Any professional-client relationship, including any attorney-client, accountant-client, or adviser-client relationship; or

(c) Any expectation of privilege or confidentiality comparable to professional communications.

2.4 No Duty to Monitor or Update

We do not monitor your portfolio, market conditions, or personal circumstances on your behalf, and we do not undertake any duty to update, revise, or correct any prior output.

2.5 No Tax Advice

The Services do not provide tax advice. Tax laws are complex, vary by jurisdiction, and depend on individual circumstances. Nothing in the Services should be construed as tax planning guidance. Consult a qualified tax professional before making any decision with potential tax implications.

2.6 No Reliance

BY USING THE SERVICES, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

(A) YOU WILL NOT RELY ON ANY INFORMATION, CONTENT, OR OUTPUT FROM THE SERVICES AS THE SOLE OR PRIMARY BASIS FOR ANY INVESTMENT, TRADING, TAX, LEGAL, OR FINANCIAL DECISION;

(B) YOU WILL CONSULT QUALIFIED PROFESSIONALS BEFORE MAKING SUCH DECISIONS; AND

(C) TO THE MAXIMUM EXTENT PERMITTED BY LAW, RICHIFY.AI SHALL HAVE NO LIABILITY FOR ANY DECISION YOU MAKE, OR ANY LOSS YOU INCUR, BASED ON INFORMATION FROM THE SERVICES.

2.7 AI Nature and Limitations

You acknowledge that the Services use generative artificial intelligence systems (including large language models) that are probabilistic and may produce incorrect, incomplete, or unexpected results. In particular:

• Hallucinations / Errors: AI Agents may generate content that sounds plausible but is inaccurate, incomplete, misleading, or entirely fabricated ("hallucinations").
• Training Data Limitations: AI Agents may be trained on data with specific cutoff dates and may not reflect recent events, market conditions, regulatory changes, or other developments occurring after their training period.
• No Real-Time Knowledge: Unless we explicitly indicate otherwise in the Services, AI Agents may not have access to real-time market data and may rely on information that is outdated.
• Verification Required: You must independently verify any facts, figures, prices, rates, filings, or other information against official sources (e.g., issuer filings, exchange data, account statements) before making any decision.
• No Autonomous Actions: AI Agents provide information and analysis only. They do not execute trades, make purchases, submit applications, transfer funds, or take any binding action on your behalf. You remain solely responsible for all decisions and actions.
• Model Changes: We may update, modify, replace, or discontinue AI models at any time, without notice. Such changes may affect the quality, consistency, or availability of AI-generated outputs.
• No Guaranteed Coverage: The Services may not cover all topics, jurisdictions, instruments, or products, and may be incomplete.
• Output Variability: Different inputs, phrasing, timing, or context may produce different outputs.

5.1 Subscription Plans and Pricing

Richify.ai offers subscription-based access to the Services. Subscription plans, pricing, and free trial periods (if available) are displayed in the Apple App Store or Google Play Store at the time of purchase and may vary by region, currency, and promotional offers. We reserve the right to modify our subscription plans and pricing at any time.

5.2 Payment Processing

All payments are processed exclusively through the Apple App Store or Google Play Store ("App Stores") in accordance with their respective payment terms and policies. By subscribing to the Services, you authorize the applicable App Store to charge your payment method on file for your subscription fees.

You are responsible for maintaining a valid payment method with the App Store. If your payment method fails or your account has insufficient funds, your subscription may be suspended or terminated.

5.3 Free Trials

We may offer free trial periods for new subscribers. Free trial terms, including duration and eligibility, are displayed at the time of subscription and may vary. If you do not cancel your subscription before the end of the free trial period, you will automatically be charged for a paid subscription at the then-current rate.

5.4 Automatic Renewal

Subscriptions automatically renew at the end of each billing period (monthly or yearly, depending on your selected plan) unless you cancel your subscription before the renewal date. You will be charged the then-current subscription rate for each renewal period.

5.5 Cancellation

You may cancel your subscription at any time through your Apple App Store or Google Play Store account settings. Cancellation will take effect at the end of your current billing period, and you will retain access to the Services until that time. Instructions for canceling subscriptions can be found in your App Store account settings.

5.6 Refunds

Except as required by applicable law, all subscription fees are non-refundable. If you cancel your subscription, you will not receive a refund for any unused portion of your current billing period. Refund requests must be directed to the applicable App Store in accordance with their refund policies.

5.7 Taxes

Subscription fees displayed in the App Stores may not include applicable taxes, levies, duties, or similar governmental assessments ("Taxes"). The applicable App Store will calculate and collect any required Taxes based on your location and applicable law. You are responsible for all Taxes associated with your subscription.

6.1 Definition of User Content

The Services allow you to create, post, upload, share, and store content, including but not limited to:

• Financial information (portfolio holdings, asset values, net worth, debts, liabilities, financial goals)
• Chat conversations with our AI financial agents
• Documents, images, and files you upload
• Comments, feedback, and communications
• Profile information and preferences

All such content is collectively referred to as "Your Content."

6.2 Ownership and License Grant

You retain all ownership rights in Your Content. However, by submitting Your Content to the Services, you grant Richify.ai and its service providers a non-exclusive, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display Your Content solely for the purposes of:

• Providing and operating the Services
• Personalizing your experience (for example, remembering settings, preferences, and learning progress) and providing general educational content (not personalized investment advice)
• Training, improving, and developing our AI financial agents and machine learning models (using only data that has been aggregated, anonymized, or de-identified such that it cannot reasonably be used to identify you, unless you have provided separate, explicit consent for identified use)
• Analyzing and improving the Services
• Complying with legal obligations

This license terminates when you delete Your Content or close your account, except where we are required or permitted to retain it for legal, regulatory, or operational reasons as described in our Privacy Policy. For clarity, we may retain and continue to use aggregated, anonymized, or de-identified information, and any insights or models trained using such information, provided that such information cannot reasonably be used to identify you.

To the extent permitted by applicable law and consistent with our Privacy Policy, we may use Your Content to improve the Services, including by aggregating, anonymizing, or de-identifying it for analytics and to improve our AI Agents and machine learning models. We will not use personal data to train or develop our AI models in an identifiable form unless you have provided separate, explicit consent. Where required (including for sharing personal data with third-party AI providers), we will obtain your explicit permission before doing so.

6.3 Prohibited Content

You agree that Your Content will not:

• Be unlawful, fraudulent, deceptive, harmful, threatening, harassing, defamatory, obscene, or otherwise objectionable
• Violate any third-party rights, including intellectual property, privacy, or confidentiality rights
• Contain malicious code, viruses, or any harmful computer code
• Include confidential financial information of third parties without authorization
• Promote illegal financial schemes, securities fraud, or market manipulation
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Contain unsolicited advertising, promotional materials, or spam

6.4 Monitoring and Removal

We reserve the right, but have no obligation, to monitor, review, or remove Your Content at any time and for any reason, including if we determine that Your Content violates these Terms, applicable law, or is otherwise objectionable. We may also remove Your Content if required by law or in response to valid legal process.

6.5 Your Representations and Warranties

You represent and warrant that:

• You own or have the necessary rights, licenses, and permissions to provide Your Content and grant the license described above
• Your Content and our use of Your Content as permitted by these Terms will not violate any law or infringe any third-party rights
• Your Content is accurate and not misleading

6.6 Reporting, Moderation, and Objectionable Content Policy

Because the Services may include messaging, chat, and/or user-generated content features, you acknowledge and agree that we may use automated systems and/or human review to help detect, filter, and remove content that violates these Terms or applicable law.

We provide a mechanism within the Services to report content you believe is illegal, harmful, or otherwise violates these Terms. We will review reports and take appropriate action (which may include content removal, account suspension, or termination) within a reasonable timeframe.

You may not use the Services to generate, request, post, or distribute objectionable content, including content that is unlawful, hateful, harassing, sexually explicit, violent, or that promotes fraud, scams, market manipulation, or other illegal financial activity.

We may block or restrict users who engage in abusive conduct. Our published contact information is provided in Section 19.

8.1 Account Misuse

• Sharing your account credentials or allowing unauthorized access to your account
• Creating multiple accounts to abuse free trials or promotional offers
• Using stolen or fraudulent payment information
• Impersonating any person or entity or misrepresenting your identity or affiliation

8.2 Technical Abuse

• Using any automated system, including robots, spiders, or scrapers, to access the Services
• Attempting to reverse engineer, decompile, or disassemble any part of the Services or AI agents
• Attempting to manipulate, bypass, or exploit AI agent responses or security features
• Interfering with or disrupting the Services or servers or networks connected to the Services
• Transmitting any viruses, malware, or other malicious code
• Overwhelming system resources through excessive requests or usage
• Using prompt injection, "jailbreak" prompts, or other adversarial techniques designed to force the AI Agents to bypass safety filters, reveal system instructions, or generate prohibited or illegal content

8.3 Competitive and Commercial Misuse

• Using the Services to build, train, or improve a competing product or service
• Benchmarking or comparing the Services to competing products without our prior written consent
• Copying, reproducing, or extracting AI agent prompts, responses, or methodologies for commercial use
• Framing or mirroring any part of the Services without our express written permission

8.4 Illegal and Harmful Activities

• Using the Services for any unlawful purpose or in violation of any applicable laws or regulations
• Using the Services to facilitate money laundering, securities fraud, or other financial crimes
• Posting or sharing confidential financial information of others without authorization
• Engaging in harassing, threatening, intimidating, or abusive conduct toward other users or our staff
• Violating any third-party rights, including privacy, publicity, or intellectual property rights

9.1 Third-Party Services; Market Data

The Services integrate with and rely on various third-party service providers to deliver certain functionality, including:

• payment processing (through the Apple App Store and Google Play Store);
• artificial intelligence service providers that power our AI financial agents;
• financial market data providers that supply stock prices, market information, and financial data;
• analytics and performance monitoring services; and
• authentication services (e.g., Google Sign-In and Sign in with Apple).

Your use of third-party services in connection with the Services may be subject to the third-party providers' own terms of service and privacy policies. By using the Services, you agree to comply with any applicable third-party terms.

We make no representations or warranties regarding third-party services and expressly disclaim all liability, to the maximum extent permitted by law, for:

• the availability, accuracy, completeness, timeliness, or reliability of third-party services or data;
• any errors, interruptions, delays, or failures of third-party services or APIs;
• the security or privacy practices of third-party providers;
• any loss or damage resulting from your interactions with third-party services; and
• the accuracy of market data, stock prices, or other financial information provided by third-party data providers.

The Services may display financial market data and other information provided by third parties. This information is provided "as is" without any warranty as to accuracy, completeness, timeliness, or reliability. Market data may be delayed, incomplete, or inaccurate and should not be relied upon for real-time trading or time-sensitive investment decisions.

You are responsible for obtaining and maintaining the devices, equipment, internet connectivity, and other products and services necessary to access and use the Services.

9.2 Third-Party AI Agents and Marketplace

The Services may allow you to access AI agents, tools, or experiences created by third-party developers ("Creator Agents"). If and when Creator Agents are made available, Richify.ai acts solely as a technology platform and intermediary that enables you to discover and use Creator Agents.

Platform Role and Limitations.

Richify.ai does not create, control, operate, endorse, recommend, or guarantee any Creator Agent. We do not review, verify, or validate the outputs generated by Creator Agents. Creator Agents are the sole responsibility of their respective developers/providers. Nothing in these Terms creates any agency, partnership, joint venture, employment, or similar relationship between Richify.ai and any Creator Agent developer, and no developer has authority to bind Richify.ai.

Risks of Creator Agents.

You acknowledge and agree that:

• Creator Agents may generate outputs that are inaccurate, misleading, incomplete, biased, unsafe, offensive, illegal, or otherwise harmful;
• Creator Agents may have their own terms of service, privacy policies, and data practices that differ from Richify's;
• Creator Agent developers may discontinue, modify, or restrict access to their Creator Agents at any time; and
• your use of any Creator Agent is at your sole risk.

Additional Terms.

We may require you to accept additional terms, policies, or acknowledgments before accessing certain Creator Agents. Your use of a Creator Agent may also constitute acceptance of that developer's terms (if provided).

Release and Waiver.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT: (A) ANY DISPUTE, CLAIM, OR CAUSE OF ACTION ARISING FROM OR RELATING TO A CREATOR AGENT IS SOLELY BETWEEN YOU AND THE DEVELOPER/PROVIDER OF THAT CREATOR AGENT; AND (B) YOU HEREBY RELEASE, WAIVE, AND FOREVER DISCHARGE RICHIFY.AI AND THE RICHIFY PARTIES FROM ANY AND ALL LIABILITY, CLAIMS, DEMANDS, ACTIONS, DAMAGES, LOSSES, COSTS, OR EXPENSES ARISING FROM OR RELATING TO YOUR ACCESS TO OR USE OF ANY CREATOR AGENT.

California Waiver.

If you are a California resident, you waive California Civil Code Section 1542 (and any similar law of any jurisdiction), which provides: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."

Dispute Resolution for Creator Agents.

If you have a dispute with a Creator Agent developer, you must resolve that dispute directly with the developer. Richify.ai is not responsible for and will not participate in resolving disputes between users and Creator Agent developers.

Removal and Restriction.

We reserve the right (but have no obligation) to remove, suspend, or restrict access to any Creator Agent at any time for any reason, including if we determine that a Creator Agent violates our policies, applicable law, or poses a risk to users.

10.1 Ownership and Reservation of Rights

The Services, including all content, features, functionality, software, code, AI models, algorithms, databases, text, graphics, logos, images, audio, video, and other materials (collectively, "Richify Content"), are owned by Richify.ai, our affiliates, or our licensors and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

Subject to the limited license granted to you in these Terms, we reserve all rights, title, and interest in and to the Services and Richify Content, including all intellectual property rights. No rights are granted to you other than as expressly set forth in these Terms.

10.2 Restrictions on Use

You will not, and will not permit any third party to:

• Copy, modify, create derivative works of, reverse engineer, decompile, or disassemble any part of the Services
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices from the Services
• Use any data mining, robots, scraping, or similar data gathering or extraction methods on the Services
• Frame or mirror any part of the Services without our express prior written consent
• Access the Services in order to build a competitive product or service or copy any features, functions, or graphics
• Use the Services in any manner that could damage, disable, overburden, or impair our servers or networks

10.3 Feedback

If you provide us with any suggestions, ideas, enhancement requests, feedback, recommendations, or other information relating to the Services ("Feedback"), you acknowledge and agree that:

• We may use and incorporate such Feedback into the Services or other products without any obligation to you
• You hereby grant us a perpetual, irrevocable, royalty-free, worldwide, sublicensable, and transferable license to use, reproduce, modify, and commercialize the Feedback
• You have no expectation of confidentiality with respect to the Feedback

10.4 Trademarks

"Richify," "Richify.ai," and our logos, product names, and service names are trademarks of Richify.ai. You may not use these marks without our prior written consent. All other trademarks, service marks, and logos used in the Services are the property of their respective owners.

10.5 Copyright Infringement

We respect the intellectual property rights of others. If you believe that any content on the Services infringes your copyright, please notify us at info@richify.ai with the following information:

• A description of the copyrighted work you claim has been infringed
• The location of the allegedly infringing material
• Your contact information
• A statement that you have a good faith belief that the use is not authorized
• A statement under penalty of perjury that the information is accurate and you are authorized to act on behalf of the copyright owner

11.1 Third-Party AI Processing and Explicit Consent

To provide the Services, we may transmit certain inputs you provide (including prompts, queries, and related context) and, where applicable, certain personal data, to third-party AI service providers that help power our AI Agents.

We will clearly disclose in our Privacy Policy the categories of data shared and the types of third parties with whom data is shared. Where required by law or platform rules (including Apple's requirements), we will obtain your explicit permission (for example, through an in-app consent prompt) before sharing personal data with third-party AI providers. If you do not grant permission (or if you withdraw permission), certain features of the Services may not function.

12.1 Limited Warranty

We warrant that:

• We have the corporate authority to enter into these Terms and provide the Services
• The Services will perform materially in accordance with their general description, except that AI-generated outputs and third-party data/content are subject to Sections 12.3 and 12.4 and may be inaccurate, incomplete, or unavailable
• We will not intentionally introduce malicious code into the Services

12.2 Your Warranties

You represent and warrant that:

• You have the authority to enter into these Terms and use the Services
• You are at least 18 years of age
• You own or have the necessary rights to provide Your Content
• Your use of the Services complies with all applicable laws and regulations
• Your Content does not violate any third-party rights or applicable laws

12.3 Disclaimer of Warranties

EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS, THE SERVICES AND ALL CONTENT, INCLUDING AI-GENERATED CONTENT, FINANCIAL INFORMATION, AND MARKET DATA, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
• WARRANTIES THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF CONTENT, INCLUDING AI-GENERATED CONTENT AND MARKET DATA
• WARRANTIES THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR ACHIEVE ANY PARTICULAR RESULTS
• WARRANTIES THAT DEFECTS OR ERRORS WILL BE CORRECTED

WE DO NOT WARRANT THAT THE SERVICES, AI AGENTS, OR ANY CONTENT WILL BE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. WE DO NOT PROVIDE INVESTMENT ADVICE, AND THE SERVICES SHOULD NOT BE RELIED UPON AS THE SOLE BASIS FOR ANY INVESTMENT OR FINANCIAL DECISION.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

12.4 AI-Specific Disclaimer (Hallucinations, Verification, and No Reliance)

WITHOUT LIMITING SECTION 12.3, YOU ACKNOWLEDGE THAT AI AGENTS ARE EXPERIMENTAL AND PROBABILISTIC AND MAY PRODUCE INCORRECT, INCOMPLETE, MISLEADING, OR FABRICATED INFORMATION. YOU AGREE TO INDEPENDENTLY VERIFY ANY OUTPUT BEFORE TAKING ACTION. TO THE MAXIMUM EXTENT PERMITTED BY LAW, RICHIFY.AI IS NOT LIABLE FOR ANY DECISION, TRANSACTION, OR LOSS ARISING FROM YOUR RELIANCE ON AI OUTPUT, INCLUDING ANY "HALLUCINATIONS," ERRORS, OR OMISSIONS.

FOR CLARITY, THE SERVICES ARE NOT INTENDED FOR REAL-TIME TRADING DECISIONS AND DO NOT GUARANTEE THE ACCURACY OR TIMELINESS OF ANY MARKET DATA OR FINANCIAL INFORMATION.

13.1 Acknowledgment of Risk Allocation

YOU ACKNOWLEDGE THAT THE LIMITATIONS OF LIABILITY IN THIS SECTION 13 ARE AN ESSENTIAL ELEMENT OF THE BARGAIN BETWEEN YOU AND RICHIFY.AI, AND THAT RICHIFY.AI WOULD NOT PROVIDE THE SERVICES WITHOUT THESE LIMITATIONS. THESE LIMITATIONS REFLECT AN ALLOCATION OF RISK BETWEEN THE PARTIES AND ARE NOT INTENDED TO LIMIT LIABILITY FOR FRAUD, WILLFUL MISCONDUCT, GROSS NEGLIGENCE, OR ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

13.2 Disclaimer of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL RICHIFY.AI, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS (COLLECTIVELY, THE "RICHIFY PARTIES") BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY:

• LOST PROFITS, LOST REVENUE, LOST SAVINGS, OR LOST BUSINESS OPPORTUNITIES;
• INVESTMENT LOSSES, TRADING LOSSES, OR FINANCIAL LOSSES OF ANY KIND, REGARDLESS OF WHETHER SUCH LOSSES ARISE FROM YOUR RELIANCE ON AI-GENERATED CONTENT, MARKET DATA, OR ANY OTHER INFORMATION PROVIDED THROUGH THE SERVICES;
• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES;
• LOSS OF DATA, LOSS OF USE, LOSS OF GOODWILL, OR INTERRUPTION OF BUSINESS;
• COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES; OR
• DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA.

THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY UPON WHICH THE CLAIM IS BASED, INCLUDING CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), STATUTE, OR ANY OTHER THEORY, AND REGARDLESS OF WHETHER THE RICHIFY PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR WHETHER SUCH DAMAGES WERE FORESEEABLE.

13.3 Cap on Liability

SUBJECT TO SECTION 13.5, THE TOTAL CUMULATIVE LIABILITY OF THE RICHIFY PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, SHALL NOT EXCEED THE GREATER OF:

• (A) THE TOTAL AMOUNT OF SUBSCRIPTION FEES PAID BY YOU FOR THE SERVICES (INCLUDING THROUGH THE APP STORE OR GOOGLE PLAY, AS APPLICABLE) DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE DATE THE CLAIM AROSE; OR
• (B) ONE HUNDRED U.S. DOLLARS (US$100).

THIS CAP IS CUMULATIVE AND NOT PER-INCIDENT. THE EXISTENCE OF MORE THAN ONE CLAIM WILL NOT ENLARGE THIS LIMIT.

13.4 Essential Purpose

IF ANY LIMITATION OF LIABILITY IN THIS SECTION 13 IS FOUND TO FAIL OF ITS ESSENTIAL PURPOSE, SUCH LIMITATION SHALL BE MODIFIED TO THE MINIMUM EXTENT NECESSARY TO MAKE IT ENFORCEABLE, AND THE REMAINING LIMITATIONS SHALL CONTINUE IN FULL FORCE AND EFFECT.

13.5 Exclusions from Limitation

NOTHING IN THESE TERMS SHALL LIMIT OR EXCLUDE LIABILITY FOR:

• (A) DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE (TO THE EXTENT SUCH LIABILITY CANNOT BE LIMITED);
• (B) FRAUD OR FRAUDULENT MISREPRESENTATION (TO THE EXTENT SUCH LIABILITY CANNOT BE LIMITED);
• (C) WILLFUL MISCONDUCT OR GROSS NEGLIGENCE (TO THE EXTENT SUCH LIABILITY CANNOT BE LIMITED);
• (D) ANY LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE MANDATORY LAW (INCLUDING, FOR EU/UK CONSUMERS, LIABILITY UNDER APPLICABLE CONSUMER PROTECTION LAWS);
• (E) YOUR PAYMENT OBLIGATIONS UNDER SECTION 5; OR
• (F) YOUR INDEMNIFICATION OBLIGATIONS UNDER SECTION 14.

13.6 Force Majeure

Neither party will be liable for any failure or delay in performing its obligations under these Terms if such failure or delay is due to circumstances beyond that party's reasonable control, including but not limited to:

• Acts of God, natural disasters, epidemics, or pandemics;
• War, terrorism, civil unrest, riots, or government actions;
• Internet service provider failures, telecommunications failures, or network outages;
• Third-party API or service failures, including cloud service providers;
• Failures, degradation, changes, discontinuations, rate limiting, or capacity limitations of third-party AI models, AI services, or machine learning infrastructure;
• Cyber attacks, denial of service attacks, ransomware, or other security incidents;
• Strikes, labor disputes, or supply chain disruptions;
• Power outages or equipment failures; or
• Changes in law or regulatory requirements.

For clarity, this Section 13.6 does not excuse payment obligations.

13.7 Jurisdictional Variations

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, LIABILITY FOR DEATH OR PERSONAL INJURY, OR LIMITATIONS ON IMPLIED WARRANTIES OR STATUTORY RIGHTS. IN SUCH JURISDICTIONS:

• (A) THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU TO THE EXTENT PROHIBITED;
• (B) OUR LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW; AND
• (C) FOR CONSUMERS IN THE EUROPEAN UNION AND UNITED KINGDOM, NOTHING IN THESE TERMS AFFECTS YOUR STATUTORY RIGHTS UNDER APPLICABLE CONSUMER PROTECTION LAWS.

13.8 Acknowledgment

YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THIS SECTION 13, THAT IT LIMITS THE LIABILITY OF RICHIFY.AI, AND THAT YOU ACCEPT THESE LIMITATIONS AS A CONDITION OF USING THE SERVICES.

15.1 Term

These Terms commence when you first access or use the Services and continue until terminated in accordance with this Section 15.

15.2 Termination by You

You may cancel your subscription at any time through your Apple App Store or Google Play Store account settings. Your cancellation will take effect at the end of your current billing period, and you will not receive a refund for any unused portion of your subscription.

Important: Deleting your account or removing the App from your device does NOT automatically cancel your subscription or stop future charges. To cancel your subscription and avoid future charges, you must cancel directly through your Apple App Store or Google Play Store account settings before your next billing date.

You may also request deletion of your account by contacting us at support@richify.ai. Upon account deletion, your access to the Services will be terminated immediately.

15.3 Termination by Us

We may suspend or terminate your access to the Services, with or without notice, for any reason, including but not limited to:

• Your violation of these Terms
• Non-payment of subscription fees
• Fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• Our determination that continuing to provide the Services creates legal, security, or business risks
• Discontinuation of the Services generally

We reserve the right to discontinue the Services or any part thereof at any time, with or without notice.

15.4 Effect of Termination

Upon termination of your account or these Terms:

• Your right to access and use the Services will immediately cease
• You will remain responsible for all fees and charges incurred prior to termination
• We will delete or de-identify Your Content within a reasonable period after termination, generally within thirty (30) days and no later than one hundred eighty (180) days, except where longer retention is required by law, necessary to resolve disputes, prevent fraud or abuse, or otherwise permitted as described in our Privacy Policy
• We may retain certain information for legal, regulatory, or operational purposes as described in our Privacy Policy
• We have no obligation to maintain or provide access to Your Content after termination

Data Export.

Before terminating your account, you may request an export of Your Content in a commonly used, machine-readable format by contacting support@richify.ai. We will process such requests in accordance with applicable data protection law, including GDPR data portability requirements where applicable.

You are responsible for exporting any of Your Content you wish to retain before terminating your account. We are not responsible for any loss of Your Content upon termination.

15.5 Surviving Provisions

The following provisions will survive any termination or expiration of these Terms: Sections 2 (Educational Purpose and Investment Disclaimer), 5.6 (Refunds), 6.2 (Ownership and License Grant - to the extent necessary), 10 (Intellectual Property Rights), 12.3 (Disclaimer of Warranties), 13 (Limitation of Liability), 14 (Indemnification), 15.4 (Effect of Termination), 15.5 (Surviving Provisions), 16 (Dispute Resolution and Governing Law), 17 (International Compliance), and 18 (General Provisions), as well as any payment obligations incurred prior to termination.

16.1 Informal Dispute Resolution

Before filing a claim against Richify.ai, you agree to try to resolve the dispute informally by contacting us at legal@richify.ai. We will attempt to resolve the dispute informally by contacting you via email. If a dispute is not resolved within sixty (60) days after submission, you or Richify.ai may bring a formal proceeding.

16.2 Binding Arbitration (United States Users)

If you are a resident of the United States, you and Richify.ai agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services (collectively, "Disputes") will be settled by binding arbitration, except as set forth in Section 16.3 below.

Arbitration is a more informal process than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, allows for more limited discovery than in court, and is subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award.

Arbitration Agreement.

You and Richify.ai agree to arbitrate all Disputes between us, except as provided in Section 16.3. This agreement to arbitrate is intended to be broadly interpreted and includes, but is not limited to:

• Claims arising out of or relating to any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory;
• Claims that arose before these Terms or any prior agreement (including, but not limited to, claims relating to advertising);
• Claims that may arise after the termination of these Terms; and
• Claims that are currently the subject of purported class action litigation in which you are not a member of a certified class.

Arbitration Rules and Forum.

The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (the "AAA Rules") then in effect, except as modified by this Section 16. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879.

A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules. The AAA provides a form Demand for Arbitration at www.adr.org.

The arbitration will be conducted in the English language. If your claim is for US$10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic or video conference hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds US$10,000, the right to a hearing will be determined by the AAA Rules.

Arbitration Costs.

Payment of all filing, administration, and arbitrator fees will be governed by the AAA Rules. If your claim is for US$10,000 or less, we will reimburse you for all filing, administration, and arbitrator fees you pay, provided your claim is not frivolous (as determined by the arbitrator). If your claim exceeds US$10,000, the AAA Rules will govern payment of filing, administration, and arbitrator fees.

Arbitrator Powers.

The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability, or formation of these Terms, including but not limited to any claim that all or any part of these Terms is void or voidable, whether a claim is subject to arbitration, or the question of waiver by litigation conduct. The arbitrator shall be empowered to grant whatever relief would be available in a court under law or in equity. The arbitrator's award shall be in writing and shall be binding on the parties and may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver.

YOU AND RICHIFY.AI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Richify.ai agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.

Opt-Out Right.

You have the right to opt out of this arbitration agreement. To opt out, you must notify us in writing within thirty (30) days of the date you first accept these Terms (or any subsequent material changes to this arbitration provision). Your opt-out notice must include your name, address, email address, and an unequivocal statement that you want to opt out of this arbitration agreement. You must send your opt-out notice to: legal@richify.ai.

If you opt out of this arbitration agreement, all other parts of these Terms will continue to apply to you. Opting out of this arbitration agreement has no effect on any previous, other, or future arbitration agreements that you may have with us.

Severability.

If any part of this arbitration provision is deemed to be invalid, unenforceable, or illegal (other than the class action waiver), the balance of this arbitration provision shall remain in effect and shall be construed in accordance with its terms as if the invalid, unenforceable, or illegal provision were not contained herein. If, however, the class action waiver is found to be invalid, unenforceable, or illegal, this entire arbitration provision shall be unenforceable and the dispute shall be decided by a court.

16.3 Exceptions to Arbitration

Notwithstanding Section 16.2, you and Richify.ai both agree that nothing in these Terms will be deemed to waive, preclude, or otherwise limit either party's right to:

• (a) bring an individual action in small claims court (if the claim qualifies and so long as the matter remains in such court and advances only on an individual, non-class, non-representative basis);
• (b) seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights; or
• (c) file suit in a court of law to address an intellectual property infringement claim.

16.4 Governing Law (United States Users)

If you are a resident of the United States, these Terms and any Disputes will be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. To the extent that any lawsuit or court proceeding is permitted under these Terms, you and Richify.ai agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in Wilmington, Delaware.

16.5 Governing Law and Jurisdiction (Non-U.S. Users)

If you are not a resident of the United States, the following provisions apply:

European Union and United Kingdom.

If you are a consumer resident in the European Union or United Kingdom, these Terms are governed by the laws of your country of residence. Nothing in these Terms affects your statutory rights as a consumer under applicable mandatory consumer protection laws. You may bring legal proceedings in the courts of your country of residence or in the courts of the jurisdiction where Richify.ai is established.

Turkey.

If you are a resident of Turkey, these Terms are governed by the laws of the Republic of Turkey. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts and execution offices of Istanbul, Turkey. Nothing in these Terms affects your statutory rights under Turkish consumer protection law (Law No. 6502 on the Protection of Consumers).

Australia.

If you are a consumer resident in Australia, these Terms are governed by the laws of New South Wales, Australia. Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law or any other applicable law that cannot be excluded, restricted, or modified by agreement.

Other Jurisdictions.

If you are a resident of any other jurisdiction, these Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law principles, and you agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in Wilmington, Delaware, to the extent permitted by applicable law.

16.6 Time Limitation on Claims

You agree that any claim you may have arising out of or related to your relationship with Richify.ai must be filed within one (1) year after such claim arose, except where prohibited by applicable mandatory consumer protection law. Otherwise, your claim is permanently barred.

17.1 United States — SEC and FINRA Disclaimer

Richify.ai is not registered with the U.S. Securities and Exchange Commission ("SEC") as an investment adviser, broker-dealer, or in any other capacity. We are not a member of the Financial Industry Regulatory Authority ("FINRA") or the Securities Investor Protection Corporation ("SIPC").

The Services do not constitute investment advice, and no content provided through the Services should be construed as a recommendation to buy, sell, or hold any security or other investment product. We do not manage client assets, execute trades, or provide discretionary investment management services.

If you are seeking personalized investment advice, you should consult a registered investment adviser, broker-dealer, or other qualified financial professional.

17.2 European Union — MiFID II and Consumer Rights

Richify.ai does not provide investment services as defined under the Markets in Financial Instruments Directive (MiFID II) (Directive 2014/65/EU) or any successor legislation. We do not provide investment advice, portfolio management, or execution of orders on behalf of clients.

If you are a consumer in the European Union, you have certain rights under EU consumer protection law, including:

• The right to withdraw from a distance contract within 14 days without giving any reason (subject to exceptions for digital content that has been supplied)
• The right to remedies if digital content is not as described or is faulty
• The right to clear and transparent information before entering into a contract
• Protection against unfair contract terms

Nothing in these Terms affects your statutory rights under applicable EU consumer protection laws. For more information on your consumer rights, please visit the European Commission's consumer rights page at https://ec.europa.eu/info/live-work-travel-eu/consumer-rights-and-complaints_en.

If you have a complaint, you may also use the European Commission's Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.

17.3 United Kingdom — FCA Disclaimer and Consumer Rights

Richify.ai is not authorized or regulated by the Financial Conduct Authority ("FCA") in the United Kingdom. We do not provide regulated investment advice, portfolio management, or other regulated financial services as defined under the Financial Services and Markets Act 2000 (FSMA).

If you are a consumer in the United Kingdom, you have certain rights under UK consumer protection law, including the Consumer Rights Act 2015. Nothing in these Terms affects your statutory rights. For more information on your consumer rights, please visit https://www.gov.uk/consumer-protection-rights.

17.4 Turkey — KVKK and Consumer Protection

Our processing of personal data is subject to the Turkish Law on the Protection of Personal Data (KVKK, Law No. 6698). For more information on how we collect, use, and protect your personal data, please see our Privacy Policy.

If you are a consumer in Turkey, you have rights under the Law on the Protection of Consumers (Law No. 6502), including the right to withdraw from distance contracts within 14 days. Nothing in these Terms affects your statutory rights under Turkish consumer protection law.

For consumer complaints in Turkey, you may contact consumer arbitration committees (Tüketici Hakem Heyetleri) or consumer courts (Tüketici Mahkemeleri) in accordance with the monetary thresholds set by the Ministry of Customs and Trade.

17.5 Australia — Privacy and Consumer Law

Our handling of personal information is subject to the Australian Privacy Principles under the Privacy Act 1988 (Cth). For more information, please see our Privacy Policy.

If you are a consumer in Australia, you have rights under the Australian Consumer Law, including guarantees that services will be provided with due care and skill and will be fit for any specified purpose. Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy that cannot be excluded, restricted, or modified by agreement.

17.6 Export Controls

The Services may be subject to export control laws and regulations of the United States and other jurisdictions. You agree to comply with all applicable export and re-export control laws and regulations, including the Export Administration Regulations maintained by the U.S. Department of Commerce and sanctions programs administered by the U.S. Department of the Treasury's Office of Foreign Assets Control.

You represent and warrant that you are not located in, under the control of, or a national or resident of any country to which the United States has embargoed goods or services, and that you are not on any U.S. government list of prohibited or restricted parties.

18.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies or agreements expressly incorporated by reference, constitute the entire agreement between you and Richify.ai regarding your use of the Services and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Services.

18.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be made enforceable, it shall be severed from these Terms. The remaining provisions of these Terms shall remain in full force and effect.

18.3 Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure by Richify.ai to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

18.4 Assignment

You may not assign, transfer, or delegate these Terms or your rights or obligations hereunder, in whole or in part, whether voluntarily or by operation of law, without our prior written consent. Any attempted assignment, transfer, or delegation without such consent will be null and void.

We may assign, transfer, or delegate these Terms or our rights or obligations hereunder, in whole or in part, without restriction, including in connection with a merger, acquisition, reorganization, sale of assets, or by operation of law.

18.5 Notices

We may provide notices to you via email to the address associated with your account, by posting a notice on our website, or through the Services. You agree that electronic notices satisfy any legal requirement that such communications be in writing.

Notices to Richify.ai should be sent to: legal@richify.ai.

18.6 Third-Party Beneficiaries

Except as expressly provided in these Terms, there are no third-party beneficiaries to these Terms. Nothing in these Terms creates any third-party beneficiary rights in any individual or entity that is not a party to these Terms.

18.7 Relationship of the Parties

These Terms do not create any agency, partnership, joint venture, employment, or franchisee relationship between you and Richify.ai. You have no authority to bind Richify.ai or to assume or create any obligation on behalf of Richify.ai.

18.8 Language

These Terms are drafted in English. If these Terms are translated into any other language, the English version shall prevail to the extent of any conflict or inconsistency, except where prohibited by applicable law.

20.1 Acknowledgment

You acknowledge that these Terms are between you and Richify.ai only, and not with Apple Inc. ("Apple"). Richify.ai, not Apple, is solely responsible for the Services and the content thereof.

20.2 Scope of License

The license granted to you is limited to a non-transferable license to use the Services on any Apple-branded products that you own or control and as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions.

20.3 Maintenance and Support

Richify.ai is solely responsible for providing any maintenance and support services with respect to the Services, as specified in these Terms, or as required under applicable law. Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Services.

20.4 Warranty

Richify.ai is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the Services to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the Services to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Services, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be Richify.ai's sole responsibility.

20.5 Product Claims

You and Richify.ai acknowledge that Richify.ai, not Apple, is responsible for addressing any claims you or any third party may have relating to the Services or your possession and/or use of the Services, including but not limited to: (a) product liability claims; (b) any claim that the Services fail to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection, privacy, or similar legislation.

20.6 Intellectual Property Rights

You and Richify.ai acknowledge that, in the event of any third-party claim that the Services or your possession and use of the Services infringe that third party's intellectual property rights, Richify.ai, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim, to the extent required by these Terms.

20.7 Legal Compliance

You represent and warrant that: (a) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.

20.8 Third-Party Terms of Agreement

You must comply with applicable third-party terms of agreement when using the Services (e.g., you must not be in violation of your wireless data service agreement when using the Services).

20.9 Third-Party Beneficiary

You and Richify.ai acknowledge and agree that Apple and Apple's subsidiaries are third-party beneficiaries of these Terms as they relate to your use of the Services accessed through the Apple App Store, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof.

21.1 Google Play Terms of Service

Your use of the Services accessed through the Google Play Store is subject to the Google Play Terms of Service, available at https://play.google.com/intl/en_us/about/play-terms/. In the event of a conflict between these Terms and the Google Play Terms of Service, the Google Play Terms of Service shall prevail with respect to your use of the Services accessed through the Google Play Store, to the extent of the conflict.

21.2 Acknowledgment

You acknowledge that these Terms are between you and Richify.ai only, and not with Google LLC or its affiliates ("Google"). Richify.ai, not Google, is solely responsible for the Services and the content thereof.

21.3 License

Google is not responsible for the Services and has no obligation or liability to you with respect to the Services or these Terms.

21.4 No Warranty or Support from Google

Google has no obligation to provide any support or maintenance services for the Services. To the maximum extent permitted by applicable law, Google will have no warranty or support obligations with respect to the Services.

21.5 Third-Party Beneficiary

You acknowledge and agree that Google is a third-party beneficiary of these Terms as they relate to your use of the Services accessed through the Google Play Store, and that Google will have the right to enforce these Terms against you as a third-party beneficiary thereof.