These Terms and Conditions (the “Terms”) form a legally binding agreement between you (“you”, “User”) and Woocargo LTD, a private limited liability company incorporated in the Republic of Cyprus, with registered address at Andrea Assioti 4a, 2007 Nicosia, Cyprus (“Woocargo”, “we”, “us”, “our”), the operator of the Velocis Alpha service available at velocisalpha.com (the “Service”).

By creating an account, accessing, or using the Service, you confirm that you have read, understood, and agreed to be bound by these Terms and by our Privacy Policy. If you do not agree, you must not use the Service.

For legal or regulatory enquiries, contact: legal@velocisalpha.com.

Velocis Alpha is a conversational research and analytics tool. Through a chat interface, users may request that the Service:

• compute technical indicators, statistical measures, and quantitative metrics across asset classes including equities, options, cryptocurrencies, and futures;
• detect chart patterns, run scenario analyses, and produce structured, calibrated research outputs;
• organize and explain market information using third-party market data, public filings, and generally available financial information.

Outputs from the Service are presented as scenarios, observations, and analyses with explicit conditions, confidence levels, and caveats. Outputs are generated wholly or partly by automated systems, including large language models operated by third parties (such as Anthropic and OpenAI), and may be inaccurate, incomplete, outdated, or otherwise unreliable. You must independently verify any information before relying on it.

The Service does not connect to brokerage accounts, custody funds, execute orders, route trades, or otherwise transact in any financial instrument on your behalf.

Without limiting the generality of the foregoing, you acknowledge and agree that:

• the Service does not take into account your personal investment objectives, risk tolerance, time horizon, financial situation, tax status, regulatory status, or particular needs;
• outputs of the Service are general informational and educational analyses, not personalized recommendations or solicitations;
• no fiduciary, advisory, brokerage, agency, partnership, or similar relationship is created between you and Woocargo by your use of the Service;
• you are solely responsible for all investment, trading, and financial decisions you make, including the decision whether or not to act on any information produced by, or obtained through, the Service;
• before making any financial decision, you should consult a qualified, appropriately licensed professional in your jurisdiction (such as a registered investment adviser, accountant, or attorney).

4.1 Eligibility

To use the Service, you must:

• be at least eighteen (18) years old and of legal age to enter into a binding contract in your jurisdiction;
• not be a person with whom we are prohibited from dealing under applicable sanctions or export-control laws (including measures administered by the European Union, the United States Office of Foreign Assets Control (OFAC), the United Nations, or the United Kingdom), and not be ordinarily resident in any jurisdiction subject to comprehensive sanctions;
• be permitted, under the laws of your jurisdiction of residence, to access and use a research and analytics service relating to securities, derivatives, and digital assets.

We reserve the right, at our sole discretion and without notice, to refuse, restrict, suspend, or terminate access to the Service for users located in, or accessing from, any jurisdiction where the provision of the Service may, in our reasonable judgment, be unlawful, regulated, or otherwise inappropriate. It is your responsibility to ensure that your use of the Service complies with all laws applicable to you.

4.2 Account creation

Accounts may be created by email and password (with email verification) or via supported single sign-on providers (such as Google). You agree to:

• provide accurate, current, and complete information;
• maintain the confidentiality of your credentials;
• be responsible for all activity that occurs under your account; and
• notify us promptly at legal@velocisalpha.com of any suspected unauthorized use.

We may reject, suspend, or terminate any account at our discretion, including where we reasonably suspect breach of these Terms, misuse, fraud, or risk to the Service or other users.

5.1 Plans and credits

Access to the Service is offered on a subscription basis (the “Subscription”), and certain AI-powered features consume usage credits (the “Credits”). The specific features, limits, prices, billing cycles, Credit allowances, and Credit consumption rates applicable to each plan are described on velocisalpha.com or within the Service, and are incorporated into these Terms by reference.

5.2 Merchant of record

Payments and billing are processed by Paddle.com Market Limited and/or its affiliates (“Paddle”), which act as merchant of record for the sale of the Subscription and Credits. Paddle handles the sale, payment processing, invoicing, refunds, fraud screening, and the collection and remittance of applicable taxes. Your purchase is therefore also subject to Paddle's buyer terms and privacy notice, available at www.paddle.com.

5.3 Renewals and cancellation

Unless stated otherwise at point of sale, Subscriptions renew automatically at the end of each billing cycle at the then-current price. You may cancel your Subscription at any time from your account settings or by contacting legal@velocisalpha.com. Cancellation takes effect at the end of the current billing period; you retain access until then.

5.4 Credits

Credits are a prepaid, non-monetary unit of account used to meter AI usage within the Service. Unless stated otherwise:

• Credits have no cash value, are non-transferable, and may not be redeemed for cash;
• Credits are consumed as you use AI-powered features and are non-refundable once consumed;
• unused Credits may expire after a period stated at the time of purchase or in the Service.

5.5 Right of withdrawal and refunds

Where you are a consumer in the European Economic Area or the United Kingdom and applicable consumer-protection law provides a right of withdrawal from distance contracts, you acknowledge and expressly request that the supply of digital content (including AI outputs and access to the Service) begins immediately upon purchase, and you agree that you lose the right of withdrawal once performance has begun. Beyond statutory rights and any explicit refund policy published by us or by Paddle, fees are non-refundable.

5.6 Price changes

We may change prices, plan structures, or Credit consumption rates for future billing periods. Where required by law, we will give you reasonable advance notice and the opportunity to cancel before the change takes effect.

You agree not to, and not to attempt to:

• use the Service in violation of any applicable law, regulation, sanctions regime, or third-party right;
• use the Service to provide regulated investment advice, portfolio management, or brokerage services to any third party;
• present outputs of the Service to third parties as personalized recommendations or as advice from a regulated entity;
• reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, training data, model weights, or underlying algorithms of the Service or of any third-party model used by the Service, except to the extent expressly permitted by law;
• use any automated means (including bots, scrapers, or crawlers) to access the Service or to extract bulk data, market data, or AI outputs;
• resell, sublicense, lease, time-share, or otherwise commercially redistribute the Service or its outputs except as expressly permitted by us in writing;
• attempt to bypass usage limits, rate limits, Credit metering, authentication, or other security or commercial controls;
• upload or transmit malware, conduct security testing without authorization, or interfere with the integrity, security, or performance of the Service;
• use the Service to engage in market manipulation, insider trading, fraud, money laundering, terrorism financing, or any other illegal activity;
• use the Service to generate content that is unlawful, defamatory, discriminatory, harassing, or that infringes intellectual-property or privacy rights;
• use the Service to train, fine-tune, or otherwise build a competing artificial-intelligence or research product.

We may investigate suspected violations and may suspend or terminate access without notice.

7.1 Our rights

The Service, including its software, interfaces, prompts, system instructions, documentation, designs, trademarks, logos, and the “Velocis Alpha” brand, is owned by Woocargo or its licensors and is protected by intellectual-property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your internal, personal or internal-business research purposes.

7.2 Your content

You retain ownership of the messages, prompts, data, files, and other content you submit to the Service (“User Content”). You grant Woocargo a worldwide, non-exclusive, royalty-free license to host, store, copy, process, transmit, and display User Content as necessary to operate, secure, support, and improve the Service, to comply with legal obligations, and to enforce these Terms. We do not use User Content to train our own foundation models.

7.3 AI outputs

As between you and us, and subject to the rights of third-party model providers and applicable law, you may use the outputs generated by the Service in response to your prompts (“Outputs”) for your lawful purposes. You acknowledge that:

• Outputs may be similar or identical to outputs generated for other users from similar prompts, and we make no exclusivity guarantees;
• Outputs may be incorrect, incomplete, or out of date and may not reflect current market conditions; you must independently verify them;
• Outputs are not, and must not be presented as, professional financial, legal, tax, or accounting advice.

7.4 Feedback

If you submit feedback, suggestions, or ideas about the Service, you grant us a perpetual, worldwide, royalty-free license to use them for any purpose without obligation to you.

The Service relies on third-party providers, including:

• artificial-intelligence model providers (such as Anthropic and OpenAI) that process your prompts to generate Outputs;
• market-data providers that supply price, fundamental, and reference data;
• infrastructure, hosting, authentication, email-delivery, and analytics providers;
• Paddle, as merchant of record, for payments and tax.

Your use of features that incorporate third-party services may be subject to those providers' own terms. We do not control, and are not responsible for, the accuracy, availability, content, or practices of third-party services. We disclaim all liability for losses arising from third-party failures, outages, errors in market data, or changes in third-party policies, to the maximum extent permitted by law.

The Service uses large language models and other automated systems to generate Outputs. You acknowledge and agree that:

• AI systems are probabilistic and may produce inaccurate, biased, hallucinated, or otherwise unreliable Outputs, including incorrect prices, dates, formulas, calculations, or attributions;
• the Service's analysis of markets, indicators, or patterns is illustrative and does not constitute a forecast, prediction, or guarantee of future performance;
• confidence levels, probabilities, and scenario weights presented in Outputs are model estimates, not measured statistical probabilities, and should not be relied upon as such;
• you are responsible for reviewing all Outputs critically and for verifying any factual claim before relying on it.

Without limiting the foregoing, we do not warrant that:

• Outputs are accurate, complete, up to date, or suitable for any particular purpose;
• the Service will be available at any particular time or at any particular performance level;
• any analysis, scenario, indicator, or pattern produced by the Service will be predictive, profitable, or successful if acted upon;
• market data accessed through the Service is accurate, complete, or timely.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under mandatory applicable law, including, where you are a consumer, your statutory rights.

To the maximum extent permitted by applicable law:

• Woocargo, its affiliates, and their respective directors, officers, employees, agents, suppliers, and licensors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, business opportunities, anticipated savings, goodwill, data, or trading or investment losses, arising out of or in connection with the Service, even if advised of the possibility of such damages;
• our aggregate liability arising out of or in connection with the Service and these Terms shall not exceed the greater of (i) the total fees actually paid by you to us (or to Paddle in respect of the Service) in the twelve (12) months immediately preceding the event giving rise to the claim, or (ii) one hundred euros (€100).

You expressly acknowledge that trading and investing involve a high degree of risk; that prior performance is not indicative of future results; and that you bear sole responsibility for any and all financial losses you may sustain in connection with decisions informed in any way by the Service or its Outputs.

Nothing in this section excludes liability for fraud or fraudulent misrepresentation, gross negligence, willful misconduct, death or personal injury caused by negligence, or any other liability that cannot be excluded under applicable law.

You agree to indemnify, defend, and hold harmless Woocargo and its affiliates, officers, directors, employees, and agents from and against any and all claims, demands, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the Service; (b) your User Content; (c) your reliance on, or onward sharing of, any Output; (d) your breach of these Terms or applicable law; or (e) your infringement or alleged infringement of any third-party right.

We may suspend or terminate your access to the Service at any time, with or without notice, including where:

• you breach these Terms or our Acceptable Use rules;
• we are required to do so by law, regulation, or court order;
• continued provision would, in our reasonable judgment, expose us, our users, or third parties to legal or security risk; or
• we discontinue the Service or any material part of it.

You may stop using the Service at any time and delete your account from your account settings or by emailing legal@velocisalpha.com. Sections that by their nature should survive termination (including those on intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution) shall survive.

We may modify, add, or remove features of the Service at any time. We may also revise these Terms from time to time. Where changes are material, we will provide reasonable notice (such as by email or in-product notice) before they take effect. Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of them. If you do not agree to the revised Terms, you must stop using the Service before the effective date.

These Terms, and any non-contractual obligations arising out of or in connection with them, are governed by, and shall be construed in accordance with, the laws of the Republic of Cyprus, without giving effect to any conflict-of-laws principles.

Subject to any mandatory consumer-protection rights you may have under the laws of your country of residence, the courts of Nicosia, Cyprus, shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or the Service.

If you use the Service as a consumer, mandatory provisions of consumer-protection law in your country of residence may grant you rights in addition to those set out in these Terms. Nothing in these Terms is intended to limit such rights. EEA and UK consumers may also use the European Commission's Online Dispute Resolution platform for the out-of-court resolution of disputes.

17.1 Entire agreement

These Terms, together with our Privacy Policy and any plan-specific terms presented at the point of sale, constitute the entire agreement between you and us regarding the Service and supersede any prior agreements.

17.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

17.3 No waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

17.4 Assignment

You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets.

17.5 Force majeure

We are not liable for delays or failures in performance to the extent caused by circumstances beyond our reasonable control, including acts of God, war, terrorism, civil unrest, internet or telecommunications failures, third-party provider outages, cyber-attacks, pandemics, or governmental actions.

17.6 Notices

Legal notices to us must be sent to legal@velocisalpha.com and, if requested by us, also by registered mail to Woocargo LTD, Andrea Assioti 4a, 2007 Nicosia, Cyprus. We may give notices to you by email, in-product notice, or by posting on velocisalpha.com.

17.7 Contact

Any questions about these Terms can be sent to legal@velocisalpha.com.