AI DISCLAIMER

This AI Disclaimer ("Disclaimer") governs the use of all artificial intelligence ("AI") features, AI-generated content, automated analyses, machine learning systems, and related technologies provided by Concept Bandits Sweden AB, company registration number 559445-4745, with its registered office at Knäppingsborgsgatan 38, 602 26 Norrköping, Sweden ("Company", "we", "our", or "us"), through its website, applications, APIs, and related services (collectively, the "Service").

This Disclaimer should be read together with the Company's:

• Terms and Conditions;

• Privacy Policy;

• Investment Disclaimer;

• Cookie Policy;

• Subscription Policy;

• Refund Policy.

By accessing or using any AI-powered functionality within the Service, you acknowledge that you have read, understood, and accepted this Disclaimer.

1. PURPOSE OF THIS DISCLAIMER

1.1 Purpose

The purpose of this Disclaimer is to explain how the Company's AI systems operate, describe their intended use, clarify their limitations, and outline the responsibilities of Users when relying on AI-generated information.

Artificial intelligence is a developing technology that may produce imperfect or incomplete outputs.

Accordingly, Users should understand both the capabilities and limitations of AI before relying upon information generated by the Service.

1.2 Scope

This Disclaimer applies to all AI-powered features provided through the Service, including but not limited to:

• market analyses;

• financial news summaries;

• investment research tools;

• trend identification;

• sentiment analysis;

• educational explanations;

• portfolio insights (where available);

• AI-generated reports;

• AI-generated charts and visualizations;

• automated summaries;

• AI-assisted search functions.

This Disclaimer applies regardless of whether such features are available through the website, mobile applications, APIs, or future platforms operated by the Company.

2. AI TECHNOLOGY

2.1 Nature of Artificial Intelligence

The Service utilizes artificial intelligence, machine learning, statistical models, natural language processing, and automated analytical systems to generate information.

AI systems identify patterns within available information and generate responses based upon probabilistic models rather than human reasoning.

Accordingly, AI-generated outputs may differ from analyses prepared by human experts.

2.2 Automated Generation

AI-generated content is automatically produced without continuous human review.

Although the Company continually seeks to improve AI quality, responses are generated by automated systems and may therefore contain inaccuracies or inconsistencies.

2.3 Evolving Technology

Artificial intelligence is an evolving technology.

The Company may regularly update:

• AI models;

• algorithms;

• prompts;

• analytical methodologies;

• processing techniques;

• underlying technologies.

As a result, AI-generated outputs may vary over time even when identical inputs are submitted.

3. AI OUTPUTS

3.1 General Information

AI-generated content is provided solely for general informational and educational purposes.

AI outputs should assist Users in conducting independent research and should not be interpreted as definitive factual statements.

3.2 Probabilistic Nature

AI systems generate responses based upon statistical probability rather than certainty.

Consequently, AI outputs may:

• contain inaccuracies;

• omit relevant information;

• misunderstand context;

• misinterpret financial terminology;

• oversimplify complex matters;

• generate inconsistent conclusions.

3.3 Dynamic Information

Financial markets, regulations, economic conditions, and publicly available information change continuously.

AI-generated responses may therefore become outdated shortly after they are produced.

Users are responsible for independently verifying current information before relying upon AI-generated outputs.

4. NO HUMAN EXPERT REVIEW

4.1 Automated Responses

Unless explicitly stated otherwise, AI-generated outputs are not individually reviewed, approved, or verified by financial professionals, lawyers, accountants, or other subject matter experts before being presented to Users.

4.2 No Expert Opinion

AI-generated responses do not represent the opinion of:

• licensed financial advisers;

• investment professionals;

• economists;

• accountants;

• legal advisers;

• Company employees.

AI-generated content reflects automated processing performed by artificial intelligence systems.

5. NO PROFESSIONAL ADVICE

5.1 General Statement

AI-generated information does not constitute:

• financial advice;

• investment advice;

• tax advice;

• accounting advice;

• legal advice;

• insurance advice;

• regulatory advice.

Users should not interpret AI-generated content as a substitute for professional advice.

5.2 Independent Judgment

Users remain solely responsible for evaluating AI-generated information using their own judgment and, where appropriate, obtaining advice from qualified professionals.

6. USER RESPONSIBILITIES

6.1 Verification

Users are responsible for independently verifying:

• financial information;

• market developments;

• regulatory requirements;

• company announcements;

• earnings reports;

• investment risks;

• factual statements.

AI-generated content should never be the sole basis for important financial decisions.

6.2 Appropriate Use

Users agree to use AI-generated information responsibly and solely as one source of information among many.

The Company encourages Users to combine AI-generated analyses with independent research and reputable external sources before making investment decisions.

6.3 Critical Evaluation

Users acknowledge that AI-generated information should be critically evaluated and interpreted within its proper context.

The Company recommends that Users consider the quality, source, and timeliness of information before relying upon any AI-generated output.

7. USER INPUTS

7.1 Accuracy of Inputs

The quality of AI-generated outputs depends significantly upon the information provided by the User.

Incomplete, ambiguous, or inaccurate inputs may produce incomplete or inaccurate outputs.

7.2 User Responsibility

Users are solely responsible for ensuring that information submitted to the AI system is appropriate, lawful, and does not violate the rights of any third party.

Users should avoid submitting confidential, proprietary, or unnecessary personal information unless required for the functionality of the Service.

7.3 Input Interpretation

AI systems interpret user prompts automatically.

The Company does not guarantee that AI systems will interpret every request exactly as intended by the User.

8. AI LIMITATIONS

8.1 General Limitations

Artificial intelligence is an assistive technology and should not be considered infallible.

AI systems generate outputs based on statistical models, training data, algorithms, and available information. As a result, AI-generated content may be incomplete, inaccurate, inconsistent, or outdated.

Users acknowledge that AI systems cannot understand information in the same manner as human experts.

8.2 Context Limitations

AI may not fully understand:

• complex financial situations;

• unusual market events;

• regulatory exceptions;

• company-specific circumstances;

• rapidly developing news;

• ambiguous user requests;

• incomplete prompts.

Accordingly, Users should always evaluate AI-generated responses critically.

8.3 Data Limitations

The quality of AI-generated outputs depends upon the quality, completeness, and availability of underlying information.

If underlying information is incomplete, inaccurate, delayed, or unavailable, AI-generated outputs may also be affected.

8.4 Technical Limitations

AI systems may occasionally experience:

• interrupted processing;

• incomplete responses;

• formatting errors;

• calculation errors;

• system limitations;

• temporary service interruptions.

The Company continuously works to improve reliability but cannot guarantee uninterrupted AI performance.

9. AI HALLUCINATIONS AND ERRORS

9.1 Hallucinations

Artificial intelligence may occasionally generate information that appears plausible but is incorrect, fabricated, or unsupported by reliable sources ("AI Hallucinations").

Hallucinations are an inherent limitation of current AI technologies.

9.2 Factual Errors

AI-generated content may contain:

• incorrect financial figures;

• inaccurate company information;

• incorrect dates;

• incorrect calculations;

• outdated regulations;

• inaccurate summaries;

• incomplete explanations.

Users should independently verify important information before relying upon it.

9.3 Misinterpretation

AI systems may misunderstand:

• financial terminology;

• abbreviations;

• user intentions;

• company names;

• market events;

• contextual information.

Accordingly, Users should carefully review all AI-generated outputs.

10. BIAS AND FAIRNESS

10.1 AI Bias

Artificial intelligence may unintentionally reflect biases present in:

• training data;

• publicly available information;

• historical market data;

• statistical models;

• external information sources.

The Company continuously seeks to reduce such bias but cannot guarantee that AI-generated outputs are entirely free from bias.

10.2 Neutrality

The Company does not intentionally design AI systems to favor:

• specific companies;

• investment products;

• financial institutions;

• sectors;

• political viewpoints;

• economic ideologies.

AI-generated analyses are intended to remain as objective as reasonably possible.

10.3 User Awareness

Users acknowledge that AI-generated content should not be interpreted as objective truth and should always be evaluated alongside independent research.

11. DATA SOURCES

11.1 Sources of Information

AI-generated content may be based upon:

• publicly available financial information;

• market news;

• company reports;

• regulatory filings;

• historical market data;

• macroeconomic indicators;

• statistical models;

• user-provided information.

The Company does not guarantee the completeness or accuracy of any underlying data source.

11.2 Third-Party Data

Some information used by the AI may originate from independent third-party providers.

The Company is not responsible for inaccuracies or delays originating from such providers.

11.3 Availability of Information

Certain information may be unavailable due to:

• licensing restrictions;

• technical issues;

• market closures;

• delayed reporting;

• third-party service interruptions.

AI-generated responses may therefore omit relevant information.

12. THIRD-PARTY AI SERVICES

12.1 External AI Providers

The Company may utilize third-party artificial intelligence providers to support certain AI-powered features.

Such providers may process user inputs solely for the purpose of generating requested outputs and in accordance with applicable agreements and privacy obligations.

12.2 No Responsibility for External Models

The Company does not control every aspect of third-party AI technologies.

Accordingly, the Company cannot guarantee:

• uninterrupted availability;

• model consistency;

• identical outputs over time;

• absence of technical errors.

12.3 Model Improvements

Third-party AI providers may update or modify their models without prior notice.

Such updates may influence the quality, style, or content of AI-generated outputs.

13. AVAILABILITY OF AI SERVICES

13.1 Continuous Development

AI-powered functionality is continuously developed and improved.

Certain features may be modified, replaced, suspended, or discontinued at any time.

13.2 Temporary Interruptions

AI services may occasionally be unavailable due to:

• scheduled maintenance;

• software updates;

• infrastructure failures;

• cybersecurity incidents;

• third-party outages;

• force majeure events.

The Company shall not be liable for temporary interruptions beyond its reasonable control.

13.3 Beta Features

Some AI-powered features may be designated as experimental or beta functionality.

Beta features may contain bugs, inaccuracies, or incomplete functionality and are provided on an "as available" basis.

14. NO WARRANTIES

14.1 General Disclaimer

To the fullest extent permitted by applicable law, all AI-generated content is provided on an "AS IS" and "AS AVAILABLE" basis.

The Company expressly disclaims all warranties, whether express, implied, statutory, or otherwise.

14.2 No Warranty of Accuracy

The Company does not warrant that AI-generated content will be:

• accurate;

• complete;

• reliable;

• current;

• uninterrupted;

• error-free;

• suitable for any particular purpose.

14.3 No Warranty of Results

The Company makes no warranty regarding any outcome resulting from the use of AI-generated information.

Users assume full responsibility for evaluating and using AI-generated outputs.

15. INTELLECTUAL PROPERTY AND AI CONTENT

15.1 Ownership

Unless otherwise stated, the Company owns or holds the necessary rights to the AI systems, software, prompts, workflows, interfaces, algorithms, and other technology used to provide the Service.

Nothing in this Disclaimer transfers ownership of the Company's intellectual property to the User.

15.2 User Rights

Subject to the Terms and Conditions, Users may use AI-generated outputs for their personal, lawful, and non-commercial purposes unless a commercial license or other permission has been granted.

Users may not:

• reverse engineer AI systems;

• attempt to extract models;

• copy proprietary prompts;

• reproduce proprietary algorithms;

• misuse AI-generated content in violation of applicable law.

16. CONFIDENTIALITY OF AI INPUTS

16.1 User Responsibility

Users should avoid submitting confidential, proprietary, or highly sensitive information to AI-powered features unless such submission is necessary for the intended functionality of the Service.

16.2 Processing of Inputs

User inputs may be processed to:

• generate AI responses;

• improve system stability;

• detect abuse;

• investigate technical issues;

• comply with applicable legal obligations.

Such processing is governed by the Company's Privacy Policy.

16.3 Protection Measures

The Company implements reasonable technical and organizational measures designed to protect information processed through AI-powered features.

However, no online service can guarantee absolute security, and Users acknowledge the inherent risks associated with transmitting information over the internet.

17. LIMITATION OF LIABILITY

17.1 General Limitation

To the fullest extent permitted by applicable law, the Company, its affiliates, directors, officers, employees, contractors, licensors, suppliers, partners, and agents shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or other damages arising out of or relating to the use of, inability to use, or reliance upon any AI-generated content provided through the Service.

17.2 AI-Generated Information

The Company shall not be liable for any losses or damages resulting from:

• inaccurate AI-generated responses;

• incomplete analyses;

• AI hallucinations;

• outdated information;

• misunderstood prompts;

• incorrect interpretations;

• omitted information;

• technical limitations of AI systems.

Users acknowledge that AI-generated content is inherently probabilistic and should not be relied upon as the sole basis for important decisions.

17.3 Financial Decisions

The Company shall not be liable for any:

• investment losses;

• trading losses;

• loss of profits;

• loss of business opportunities;

• portfolio underperformance;

• tax consequences;

• indirect financial losses;

arising from reliance upon AI-generated content.

Users remain solely responsible for all financial and investment decisions.

17.4 Technical Interruptions

The Company shall not be liable for damages resulting from:

• server outages;

• software bugs;

• interrupted AI services;

• internet failures;

• cyberattacks;

• third-party provider failures;

• maintenance periods;

• force majeure events.

17.5 Maximum Liability

To the fullest extent permitted by applicable law, the Company's total aggregate liability relating to AI-powered features shall not exceed the total subscription fees actually paid by the User during the twelve (12) months immediately preceding the event giving rise to the claim.

Nothing in this Disclaimer excludes liability that cannot legally be excluded under applicable law.

18. USER RESPONSIBILITY

18.1 Independent Evaluation

Users remain solely responsible for independently evaluating all AI-generated content before relying upon it.

AI-generated information should always be supplemented with independent research and, where appropriate, professional advice.

18.2 Verification

Before acting upon AI-generated information, Users should verify relevant information using reliable and authoritative sources.

This includes, where applicable:

• company filings;

• official press releases;

• stock exchange announcements;

• regulatory publications;

• audited financial statements.

18.3 Appropriate Use

Users agree to use AI-powered features responsibly and only for lawful purposes.

Users shall not use the Service:

• to violate applicable laws;

• to commit fraud;

• to manipulate financial markets;

• to infringe intellectual property rights;

• to distribute unlawful content;

• to interfere with the operation of the Service.

18.4 Prohibited Reliance

Users acknowledge that AI-generated outputs should not be relied upon as the sole basis for decisions involving:

• investments;

• legal matters;

• taxation;

• regulatory compliance;

• medical matters;

• insurance;

• contractual obligations.

Professional advice should be obtained where appropriate.

19. REGULATORY COMPLIANCE

19.1 Compliance with Applicable Law

The Company is committed to operating its AI-powered platform in accordance with applicable laws and regulations.

Users are responsible for ensuring that their use of the Service complies with the laws applicable in their jurisdiction.

19.2 No Regulated AI Advice

Unless expressly stated otherwise, the AI-powered features provided through the Service are intended solely for informational and educational purposes.

The Service does not provide regulated financial advice, legal advice, tax advice, or any other regulated professional service.

19.3 Future Regulatory Changes

Artificial intelligence regulation continues to evolve.

The Company may modify AI-powered features, policies, or operational procedures in order to comply with future legal and regulatory developments.

20. CHANGES TO THIS DISCLAIMER

The Company reserves the right to amend or update this AI Disclaimer at any time.

Updates may be made to reflect:

• technological developments;

• improvements to AI systems;

• legal requirements;

• regulatory guidance;

• security enhancements;

• operational changes.

Where required by applicable law, Users will be notified of material changes through appropriate communication channels.

Continued use of the Service following the effective date of an updated Disclaimer constitutes acknowledgment of the revised version.

21. GOVERNING LAW

This AI Disclaimer shall be governed by and interpreted in accordance with the laws of the Kingdom of Sweden.

Mandatory consumer protection laws applicable within the European Union shall remain unaffected where such protections cannot legally be excluded.

22. DISPUTE RESOLUTION

The parties agree to seek an amicable resolution of any dispute arising from or relating to this AI Disclaimer before commencing legal proceedings.

Where a dispute cannot be resolved through good faith discussions, it shall be submitted to the competent courts of Sweden, unless mandatory consumer protection legislation provides otherwise.

Nothing in this Disclaimer limits any statutory rights available to consumers under applicable law.

23. SEVERABILITY

If any provision of this AI Disclaimer is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

Any invalid provision shall be interpreted, where possible, in a manner that most closely reflects its original purpose while complying with applicable law.

24. ENTIRE DISCLAIMER

This AI Disclaimer forms part of the Company's legal documentation and should be read together with the following documents:

• Terms and Conditions;

• Privacy Policy;

• Investment Disclaimer;

• Cookie Policy;

• Subscription Policy;

• Refund Policy.

In the event of any conflict between this Disclaimer and mandatory provisions of applicable law, the mandatory legal provisions shall prevail.

25. CONTACT INFORMATION

If you have questions regarding this AI Disclaimer or the Company's AI-powered services, please contact:

Concept Bandits Sweden AB Company Registration Number: 559445-4745 Knäppingsborgsgatan 38
602 26 Norrköping
Sweden

Email: [Support Email]

Website: [Website URL]

The Company will make reasonable efforts to respond to enquiries within a reasonable period.

26. EFFECTIVE DATE

This AI Disclaimer becomes effective on the date specified at the beginning of this document and remains in effect until amended or replaced by the Company.

ACKNOWLEDGEMENT

By creating an Account, purchasing a Subscription, or otherwise accessing or using AI-powered features within the Service, you acknowledge and agree that:

• you have read and understood this AI Disclaimer;

• you understand that AI-generated content may contain errors, omissions, inaccuracies, or outdated information;

• you understand that AI-generated content is provided for informational and educational purposes only;

• you accept full responsibility for evaluating and verifying AI-generated information;

• you acknowledge that the Company does not guarantee the accuracy, completeness, reliability, or suitability of AI-generated outputs;

• you understand that you remain solely responsible for any decisions made based on AI-generated content.