TERMS OF USE

This includes our General Terms of Agreement, Disclaimers, Privacy policy and Cookies policy

Claritech Analysis Limited ("Claritech" which term collectively includes any owner or subsidiaries or affiliates or branch offices of Claritech Analysis Limited, and any of its directors or officers or employees or representatives) whose registered office is at 128 City Road, London, EC1V 2NX; would like you to be familiar with the following terms which are applicable to its software, web pages, products, content, assessments, analysis, forecasts, opinions, facts, databases and all information (collectively referred to as the “Product”, "Products", "Service" or "Services" ) to which you may have access by any means. The content and information included in these Products are provided by Claritech and its third party suppliers (collectively, the "Information Providers"). The Products are made available by Claritech subject to the terms and conditions stated below:

Agreement

By using the Products, you provide your confirmation and consent to be bound by the terms of this Agreement. If you do not agree, Claritech is not willing to provide you with access to the Products and you should immediately discontinue your use of the Products. Claritech will make efforts to alert you of any changes to the agreements, however we cannot assure you of the error free transmission of such alerts. You agree that Claritech may modify this Agreement at any time in its sole discretion and without prior notice to you. Such changes will be posted online and will be effective upon posting. You should review this Agreement periodically to be familiar with its present terms and conditions. Your continued use of the Products shall constitute your acceptance of this Agreement in its present form or as amended. If you do not agree to the changes, you must notify Claritech in writing of your refusal and discontinue your use of the Products.

Use of the Products:

These Products are intended for your personal, non-commercial use. By using the Products and the software provided by Claritech, you acknowledge and agree that:

It is prohibited to use, store, reproduce, display, modify, sell, publish, transmit and distribute, or commercially use the Products without the prior written permission of Claritech;

Claritech and/or any third-party Information Provider(s) reserve all rights to proprietary information (including, but not limited to, all intellectual property rights in all forms whether or not registered or capable of registration and any other rights relating to intellectual property in accordance with the applicable laws) that are contained in or relating to the Products. You shall not use the Products for any unlawful or unauthorized purpose.The use and interpretation of the Products requires skill and judgment, and you shall at all times exercise your own judgement in the use of the Products.

Free and Paid Content

Claritech may allow the use some of its Products free of charge while other Products require you to make a payment. Fees could be a flat monthly fee, a variable fee or a combination of both. Fees are calculated every Gregorian Calendar month. The client will receive an invoice from Claritech via the preferred mode of communication. Payment is expected to be received in 7 calendar days from date of the invoice. Claritech will charge a late payment fee post the due date amounting to 3% of the outstanding amount. This will form a part of outstanding fees in the following invoice. Claritech is not responsible for non receipt of invoice via the Client's preferred mode of communication. Claritech will use third party payment providers to enable these purchases. The terms and conditions of the respective third party payment provider will apply while using their service. All sales are final and no returns, replacement and refunds are allowed. In the event that such a return or replacement or refund is allowed, it is at the sole discretion of Claritech and either the transaction is reversed to the source or a purchase coupon is provided for the same value which can be utilized within the Claritech App or Website.

You hold responsibility for protecting and securing your User Name and password from unauthorized use / disclosure and for all statements made and acts or omissions that occur while your user identification name (or "User Name") and passwords are being used. If you become aware of, or believe there has been, any breach of security for any of your information stored on Claritech’s website, such as the theft or unauthorized use of your User Name, password, or any other information, you will notify Claritech immediately.

Not Advise or recommendation or offer to buy or sell

The Products have been prepared for informational purposes only without regard to any particular user's investment objectives, financial situation, suitability, or means, and Claritech is not soliciting any action based upon it. The Products are not to be construed as a business, financial, investment, hedging, legal, regulatory, tax or accounting advice (Whether implicit or explicit). The Products are not to be construed as a recommendation, or any other type of encouragement to act, invest or divest in a particular manner (Whether implicit or explicit). Claritech shall not be responsible for any loss arising from any investment based on a perceived Recommendation. There is no offer to buy or sell; or the solicitation of an offer to buy or sell any security, financial product, or instrument; or to participate in any particular trading strategy in any jurisdiction in which such an offer or solicitation, or trading strategy would be illegal. Any such perceived Offer (Whether implicit or explicit) will not be honoured by the Claritech.

Reliability of information

Claritech makes reasonable efforts to obtain information from reliable sources, however all Products are provided on an "as is" basis without representation or warranty of any kind (neither express nor implied). Claritech disclaims liability for any material not being complete, accurate, suitable and relevant for the recipient. By using the Products you agree that errors and/or omissions contained in such information shall not be made the basis for any claim, demand or cause of action against Claritech or any Information Provider(s).

Specifically, Claritech disclaims liability towards any user and any other recipients for accuracy, delay, error, discontinuance, interruption or omission in providing any of the Products. Due to changing circumstances, the Products may become inaccurate and possibly misleading after a period of time which may vary from seconds and minutes to days, weeks and months depending on the Information. Claritech gives no guarantee against, and assumes no liability towards any recipient for any of the Products being outdated. If outdated, Claritech is under no obligation to update, inform recipients or perform any other action. The information may be personal to the author and may not reflect the opinion of the Claritech. Claritech reserves the right at its sole discretion to withdraw or amend any information provided at any time without notice (prior or subsequent).

Risks

Any transaction in the financial market, including those involving complex financial instruments, give rise to substantial risk and are not suitable for all investors. The Products do not account for suitability of the investor, taxation or for various risks applicable to this strategy such as liquidity risk, geographical risk, settlement risk, custody risk, currency risk, risk of corporate action, etc. You should not enter into any transactions unless you have fully understood all such risks and have independently determined that such transactions are appropriate for you. Please check with the securities dealer / broker for relevant information.

Trading in leveraged products, such as but not limited to, foreign exchange, derivatives and commodities is regarded as highly speculative and losses and profits may fluctuate both violently and rapidly. Speculative trading is not suitable for all investors / traders. The fact that Claritech has made the Products available to you constitutes neither a recommendation to enter into a particular transaction nor a representation that any of its Products is/are suitable or appropriate for you.Claritech strongly encourages any recipient considering trading with the information provided by its Products to employ and continuously consult suitable financial advisors prior to the conclusion of any investment or transaction. Any mention of risks in the Products pertaining to a particular product or service may not and should neither be construed as a comprehensive disclosure nor full description of all risks pertaining to such product or service

Advertisements

Persons or entities not belonging to Claritech may advertise on the Claritech’s Products, websites or software through links, banners or otherwise. Claritech shall not be held responsible or liable for the offerings, information or acts of any such third party. If a user of Claritech’s Products decides to act upon any such advertising, such user does so entirely at their own risk.

You can write to us to report inappropriate ads, preferably with a screenshot, and we will raise a concern with the relevant parties to mitigate the problem.

Termination

Claritech may exercise full discretion in modifying or discontinuing any part or whole of the Products subject to this Agreement at any time without cause or prior notice.

Limited Liability

Claritech shall not be liable for any damage or injury arising out of any person’s or entity’s access to, or inability to access any of the Products. This limitation includes, but is not limited to, any damage to computer equipment and computer systems caused by virus, malware and any other harmful computer coding. Neither Claritech nor any of its third-party Information Providers shall be liable for any direct, indirect, incidental, special or consequential damages arising out of or relating to this Agreement or resulting from the use or the inability to use the Products, including but not limited to damages for loss of profits, use, data or other intangible damages, even if such party has been advised of the possibility of such damages.

Check your Risk Rating section

Disclaimer: The information provided by this risk appetite questionnaire is for educational and informational purposes only and should not be construed as financial advice. The results of this questionnaire are based on the information you have provided and are intended to give you an indication of your general risk tolerance. They do not take into account your individual financial situation, investment objectives, or specific needs. Before making any investment decisions, you should consider your risk tolerance, time horizon, financial situation, and investment goals. It is strongly recommended that you seek advice from a qualified financial advisor who can take into account your personal circumstances. The creators of this questionnaire and any associated parties make no representations or warranties as to the accuracy, completeness, or suitability of the information provided. We disclaim any liability for any financial decisions or actions taken based on the results of this questionnaire. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Always do your own research and due diligence before making any investment decisions.

Local regulatory restrictions

Claritech’s Products may be accessed worldwide. The Information provided is however only intended for use by recipients located in countries where such use does not constitute a violation of applicable legislation or regulations. Products referred to are NOT available to recipients residing in countries where it would constitute a violation of mandatory applicable legislation or regulations.

It is the sole responsibility of any recipient employing or requesting a product or service of Claritech to comply with all applicable legislation or regulation.

Translation discrepancies

Claritech could offer its Products in a wide range of languages for the recipient’s comfort of use. In case of discrepancy between the original English text and any translation, the original English text shall prevail. All recipients are advised to carefully examine the original English text before acting upon a translation thereof. Any user who does not fully understand the original English text is strongly encouraged to contact us. Claritech shall not be bound by, or liable to any recipient for, an incomplete or inaccurate translation of an original English text to another language.

Conflict of interest

In order to prevent conflicts of interest Claritech’s reports are never disclosed to nor discussed with any of the subject of the analysis, e.g. issuers of securities or others. Claritech does not engage in corporate finance activities and receives no remuneration in connection with the release of any analysis (unless explicitly stated). Claritech may hold, take, transfer or alienate positions in securities, foreign exchange or other financial instruments covered by a report.

The privacy policy sets out how Claritech uses and protects any information that you provide when you use our Products.

Claritech is obliged by law to treat personal data as confidential and may not pass on or use any personal data without valid legal grounds. All personal data benefits from this full protection and will only be disclosed to third parties such as administrative or judicial authorities if Claritech is compelled to do so pursuant to the applicable law, or if the registered has given its written consent to such disclosure. The registered may revoke such consent or modify its extent at any time. Claritech requires and stores information about the user for administrative, commercial and/or legal purposes. Furthermore, Claritech may require some financial information for credit assessment purposes, as well as users’ e-mail address to be able to mail the login information. Users’ e-mail addresses will not be passed on to third parties, but may be used by Claritech for the promotion of its services and Products.

Without prejudice to the above, the Claritech can disclose the following information:

• General customer data, such as name, address and personal registration number, to companies carrying out administrative tasks for Claritech.

• General customer data to financial institutions for the purpose of marketing based on consent provided by the registered.

Information Collection And Use

We collect several different types of information for various purposes to provide and improve our Service to you.

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ('Personal Data'). Personally identifiable information may include, but is not limited to:

• Email address

• First name and last name

• Phone number

• Address, State, Province, ZIP/Postal code, City

• Cookies and Usage Data

We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send.

Usage Data

We may also collect information how the Service is accessed and used ('Usage Data'). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Product or Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from an app or website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Product or Service.

Examples of Cookies we use:

•Session Cookies. We use Session Cookies to operate our Service.

•Preference Cookies. We use Preference Cookies to remember your preferences and various settings.

•Security Cookies. We use Security Cookies for security purposes.

•Advertising Cookies. Advertising Cookies are used to serve you with advertisements that may be relevant to you and your interests.

Please read Google's Privacy and Terms at: https://policies.google.com

and https://policies.google.com/technologies/ads

Use of Data

CLARITECH uses the collected data for various purposes:

• To provide and maintain our Products or Service

• To notify you about changes to our Product or Service

• To allow you to participate in interactive features of our Product or Service when you choose to do so

• To provide customer support

• To gather analysis or valuable information so that we can improve our Product or Service

• To monitor the usage of our Product or Service

• To detect, prevent and address technical issues

• To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.

CLARITECH may process your Personal Data because:

• We need to perform a contract with you

• You have given us permission to do so

• The processing is in our legitimate interests and it's not overridden by your rights

• For payment processing purposes

• To comply with the law

Retention of Data

CLARITECH will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

CLARITECH will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.

Transfer Of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

CLARITECH will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure Of Data

Business Transaction

If CLARITECH is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.

Disclosure for Law Enforcement

Under certain circumstances, CLARITECH may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Legal Requirements

CLARITECH may disclose your Personal Data in the good faith belief that such action is necessary to:

• To comply with a legal obligation

• To protect and defend the rights or property of CLARITECH

• To prevent or investigate possible wrongdoing in connection with the Service

• To protect the personal safety of users of the Service or the public

• To protect against legal liability

Security of Data

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

We do not support Do Not Track ('DNT'). Do Not Track is a preference you can set in your web browser to inform apps that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

Your Data Protection Rights Under General Data Protection Regulation (GDPR)

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. CLARITECH aims to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data.

If you wish to be informed what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.

In certain circumstances, you have the following data protection rights:

•The right to access, update or to delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you.

•The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.

•The right to object. You have the right to object to our processing of your Personal Data.

•The right of restriction. You have the right to request that we restrict the processing of your personal information.

•The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.

•The right to withdraw consent. You also have the right to withdraw your consent at any time where CLARITECH relied on your consent to process your personal information.

Please note that we may ask you to verify your identity before responding to such requests.

You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).

Service Providers

We may employ third party companies and individuals to facilitate our Service ('Service Providers'), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

•Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports app traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: http://www.google.com/intl/en/policies/privacy/

Payments

We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors).

We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy.

The payment processors we may work with are:

•Apple Store In-App Payments

Their user agreements can be viewed on www.apple.com

•Google Play In-App Payments

Their user agreements can be viewed on www.google.com

•PayPal or Braintree

Their user agreements can be viewed on www.paypal.com

•Stripe

Their user agreements can be viewed on www.stripe.com

Links To Other Sites

Our Service may contain links to other sites or app that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children's Privacy

Our Service does not address anyone under the age of 18 ('Children').

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the 'effective date' at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Miscellaneous

Address for all correspondence:

128 City Road,

London EC1V 2NX. United Kingdom.

Email address for all communication: care@claritech.app

By agreeing to the Terms of Use of the Products and the software you acknowledge and agree that Claritech, in the interest of security, reserves the right to record all communication, internet conversations including chat, and any meetings between you and Claritech.

You furthermore agree that Claritech reserves the right to monitor your use of the Products and that the resultant information may be used by Claritech for its internal business purposes.