TERMS AND CONDITIONS

Senast uppdaterad: 31 juli 2026

These Terms and Conditions ("Terms") constitute a legally binding agreement between Concept Bandits Sweden AB, company registration number 559445-4745, having its registered office at Knäppingsborgsgatan 38, 602 26 Norrköping, Sweden ("Company", "we", "our", or "us"), and any individual or legal entity ("User", "you", or "your") accessing or using our AI-powered market analysis platform, website, applications, APIs, software, and related services (collectively, the "Service").

By accessing, browsing, registering for, or using the Service, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree to these Terms, you must immediately cease using the Service.

1. DEFINITIONS

Unless the context otherwise requires, the following definitions apply throughout these Terms.

1.1 Account

"Account" means a registered user profile created for the purpose of accessing the Service and its features.

1.2 AI Services

"AI Services" means all artificial intelligence technologies, algorithms, machine learning systems, predictive models, natural language processing models, automated analytical tools, scoring systems, and other computational technologies made available through the Service.

1.3 Analysis

"Analysis" means market commentary, financial summaries, AI-generated insights, news analysis, statistical observations, probability assessments, trend evaluations, technical indicators, and informational reports generated by the Service.

1.4 Company

"Company" refers to Concept Bandits Sweden AB.

1.5 Content

"Content" includes, but is not limited to:

• Software

• Source code

• Databases

• User interfaces

• Charts

• Graphs

• Reports

• Documents

• Logos

• Designs

• Images

• Videos

• Articles

• AI-generated outputs

• Market analyses

• Educational materials

• APIs

• Website content

• Mobile application content

• Any other digital material provided through the Service.

1.6 Investment Idea

An "Investment Idea" means a general informational observation, analytical insight, or market-related concept generated by the Service. Investment Ideas are provided solely for educational and informational purposes and do not constitute financial advice, investment advice, or personal recommendations.

1.7 Market Data

"Market Data" refers to publicly available or licensed financial information including, but not limited to:

• Stock prices

• ETFs

• Indices

• Commodities

• Foreign exchange rates

• Cryptocurrency prices

• Corporate announcements

• Economic indicators

• Financial news

• Historical price information

• Market statistics

1.8 Subscription

"Subscription" means any paid monthly or annual membership granting access to premium features and services.

1.9 User

"User" means any individual or legal entity accessing or using the Service.

1.10 Website

"Website" refers to the Company's official website, including all associated subdomains and web applications.

1.11 Service

The "Service" includes all products, software, applications, APIs, AI models, dashboards, tools, reports, notifications, market analyses, educational content, premium features, and related services provided by the Company.

1.12 Business Day

A "Business Day" means any day other than Saturday, Sunday, or an official public holiday in Sweden.

2. ACCEPTANCE OF TERMS

2.1 Binding Agreement

These Terms constitute a legally binding agreement between you and the Company.

By accessing or using the Service, you confirm that:

• you have read these Terms in their entirety;

• you understand your legal rights and obligations;

• you agree to comply with these Terms;

• you have the legal capacity to enter into binding contracts under applicable law.

If you do not agree to these Terms, you must not use the Service.

2.2 Electronic Acceptance

Your acceptance of these Terms may occur by:

• creating an Account;

• purchasing a Subscription;

• accessing premium content;

• clicking "I Agree", "Accept", or similar;

• continuing to use the Service after updates to these Terms.

Electronic acceptance has the same legal effect as a handwritten signature, to the extent permitted by applicable law.

2.3 Updates to the Terms

The Company may amend these Terms from time to time to reflect changes in:

• applicable laws;

• regulatory requirements;

• the functionality of the Service;

• security requirements;

• business operations.

Material changes will be communicated through reasonable means, such as within the Service or by email. Continued use of the Service after the effective date of updated Terms constitutes acceptance of those changes.

3. ELIGIBILITY

3.1 Minimum Age

The Service is intended solely for individuals who are at least 18 years of age.

By using the Service, you represent and warrant that you are at least 18 years old.

3.2 Geographic Availability

The Service is intended for users located within the European Union and other jurisdictions where its use is lawful. It is your responsibility to ensure that your use of the Service complies with the laws applicable in your jurisdiction.

3.3 Legal Capacity

You represent and warrant that you:

• are legally capable of entering into binding agreements;

• are not prohibited from using the Service under applicable law;

• are not subject to sanctions or restrictions that would make your use of the Service unlawful.

3.4 Business Users

If you use the Service on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms.

4. USER ACCOUNTS

4.1 Account Requirement

Certain features of the Service require the creation of an Account.

You agree to provide accurate, complete, and up-to-date information when creating your Account and to keep such information current.

4.2 One Account Per User

Unless expressly authorized by the Company, each individual may maintain only one personal Account. Accounts may not be shared, transferred, sold, or otherwise made available to third parties.

4.3 Responsibility for Your Account

You are solely responsible for all activities conducted through your Account, whether authorized by you or not.

You agree to:

• maintain the confidentiality of your login credentials;

• use a strong password;

• notify the Company immediately of any suspected unauthorized access or security incident.

4.4 Suspension

The Company reserves the right to suspend or restrict access to an Account if there is reasonable suspicion of:

• fraudulent activity;

• abuse of the Service;

• security risks;

• violations of these Terms;

• unlawful conduct.

4.5 Account Deletion

You may request deletion of your Account at any time, subject to applicable legal obligations and the Company's data retention policies.

Deletion of an Account does not automatically terminate an active Subscription, which must be cancelled separately in accordance with the Subscription Terms.

5. ACCOUNT REGISTRATION

5.1 Registration Process

To create an Account, you may be required to provide:

• full name;

• email address;

• country of residence;

• password;

• billing information (for paid plans);

• any additional information reasonably required to provide the Service.

5.2 Accuracy of Information

You agree that all information submitted during registration is truthful, accurate, complete, and not misleading.

Providing false or misleading information may result in suspension or termination of your Account.

5.3 Verification

The Company may, where reasonably necessary, request additional information to verify your identity, prevent fraud, or comply with applicable legal obligations. Failure to provide requested information may limit or prevent access to certain features of the Service.

5.4 Security Measures

The Company may implement security measures such as:

• email verification;

• multi-factor authentication;

• login monitoring;

• suspicious activity detection;

• device verification.

You agree to cooperate with reasonable security procedures intended to protect your Account and the integrity of the Service.

6. ACCOUNT SECURITY

6.1 User Responsibility

You are solely responsible for maintaining the confidentiality and security of your Account credentials, including your username, password, authentication devices, recovery codes, and any other security information associated with your Account.

You shall not:

• share your login credentials with any third party;

• allow unauthorized persons to access your Account;

• use another person's Account;

• attempt to obtain unauthorized access to another user's Account.

The Company shall not be liable for any losses resulting from unauthorized use of your Account where such use arises from your failure to protect your credentials.

6.2 Password Security

You agree to maintain a password that is sufficiently strong and unique.

Passwords should:

• contain uppercase and lowercase letters;

• contain numbers;

• contain special characters where supported;

• not be reused across multiple online services.

The Company may require password changes where security concerns arise.

6.3 Multi-Factor Authentication

The Company may offer or require Multi-Factor Authentication ("MFA") to enhance Account security.

Where MFA is enabled, you are responsible for maintaining access to your authentication device.

Failure to maintain access may require additional identity verification before Account access can be restored.

6.4 Unauthorized Access

You must immediately notify the Company if you become aware of:

• unauthorized Account access;

• suspected credential theft;

• phishing attempts;

• fraudulent activity;

• suspicious login attempts;

• unauthorized payment activity.

The Company reserves the right to suspend access until the matter has been investigated.

6.5 Security Monitoring

The Company may monitor:

• login locations;

• devices;

• IP addresses;

• unusual usage patterns;

• failed login attempts;

• suspicious activities.

Such monitoring is performed solely for security, fraud prevention, and service integrity purposes.

7. USER RESPONSIBILITIES

7.1 Lawful Use

You agree to use the Service only in accordance with:

• applicable laws;

• applicable regulations;

• these Terms;

• accepted standards of responsible online conduct.

7.2 Accurate Information

You agree to provide accurate, current, and complete information at all times.

You shall promptly update your Account information whenever changes occur.

7.3 Independent Decision-Making

You acknowledge and agree that all investment decisions remain solely your own responsibility.

The Service provides informational market analysis only.

You are solely responsible for evaluating whether any investment is appropriate for your financial circumstances.

7.4 Device Security

You are responsible for ensuring that your own devices remain secure.

This includes maintaining:

• antivirus software;

• operating system updates;

• browser security;

• secure internet connections.

7.5 Compliance

You agree not to use the Service in any manner that violates:

• securities laws;

• anti-money laundering laws;

• sanctions regulations;

• consumer protection laws;

• intellectual property laws;

• applicable tax laws.

8. ACCEPTABLE USE POLICY

8.1 Permitted Use

The Service may only be used for lawful personal or internal business purposes.

Users may:

• read market analyses;

• view AI-generated insights;

• monitor market developments;

• create watchlists;

• receive educational investment ideas;

• access premium analytical tools.

8.2 Educational Purpose

The Service is intended to assist users in understanding financial markets through AI-generated analyses and educational information.

Nothing within the Service guarantees investment performance or financial success.

8.3 Fair Usage

Users shall not engage in excessive automated activity that materially affects system performance.

The Company reserves the right to impose reasonable usage limitations to maintain service availability for all users.

8.4 Respect for Intellectual Property

Users shall respect all copyrights, trademarks, database rights, and other intellectual property associated with the Service.

9. PROHIBITED ACTIVITIES

You agree not to:

9.1 Illegal Activities

Use the Service for any unlawful purpose.

9.2 Reverse Engineering

Attempt to:

• reverse engineer;

• decompile;

• disassemble;

• decode;

• copy algorithms;

• recreate AI models;

• extract proprietary logic.

9.3 Automated Access

You may not:

• scrape data;

• crawl the platform;

• use bots;

• automate data extraction;

• create mirror databases;

• circumvent API restrictions.

9.4 Resale

You may not:

• resell the Service;

• sublicense access;

• redistribute analyses;

• commercialize AI outputs without written permission.

9.5 Security Violations

You shall not:

• upload malware;

• distribute ransomware;

• introduce malicious code;

• exploit vulnerabilities;

• interfere with servers.

9.6 Fraud

Users may not:

• create fake Accounts;

• impersonate others;

• falsify identity;

• manipulate subscription systems;

• abuse promotional offers.

9.7 Interference

Users shall not interfere with:

• servers;

• databases;

• APIs;

• infrastructure;

• software updates;

• network communications.

9.8 Data Collection

Users shall not collect personal information about other users without lawful authorization.

10. AI SERVICES

10.1 AI Technology

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

AI outputs may include:

• market summaries;

• news analysis;

• trend detection;

• technical indicators;

• market sentiment;

• probability assessments;

• educational investment ideas.

10.2 Nature of AI Output

AI-generated outputs are probabilistic and may contain inaccuracies, omissions, or outdated information.

The Company does not warrant that AI-generated content is complete, accurate, current, or suitable for any particular purpose.

10.3 Continuous Improvement

The Company may modify, retrain, update, replace, or discontinue AI models at any time to improve the Service.

Such modifications may change:

• analysis methodology;

• prediction models;

• scoring systems;

• feature availability;

• user interface.

10.4 Human Oversight

Certain content may be subject to human review for quality assurance, security, regulatory compliance, fraud prevention, and customer support purposes.

10.5 Third-Party AI Providers

The Service may incorporate technologies provided by third-party artificial intelligence providers.

The availability and performance of certain AI features may therefore depend upon external providers beyond the Company's reasonable control.

10.6 No Guarantee of Accuracy

The Company makes no representation or warranty that AI-generated analyses:

• are free from error;

• are suitable for investment decisions;

• predict future market movements;

• identify profitable opportunities;

• eliminate investment risk.

Users should independently verify information before making financial decisions.

11. AI LIMITATIONS

11.1 General Statement

The Service utilizes artificial intelligence ("AI") technologies to generate market analyses, financial insights, news summaries, statistical evaluations, educational content, and general investment ideas.

Artificial intelligence is an evolving technology that relies upon historical information, statistical models, probabilistic reasoning, publicly available information, licensed market data, and computational analysis.

Accordingly, the Company does not represent or warrant that AI-generated outputs are complete, accurate, reliable, timely, or suitable for any particular purpose.

Users acknowledge that AI-generated content should be regarded solely as informational material.

11.2 No Prediction of Future Events

Although certain AI models may analyze historical trends and market behavior, the Service cannot predict future market events with certainty.

Financial markets are affected by numerous unpredictable factors, including but not limited to:

• geopolitical developments;

• government actions;

• monetary policy;

• corporate announcements;

• market psychology;

• natural disasters;

• technological developments;

• regulatory changes;

• macroeconomic conditions;

• unexpected global events.

No AI model is capable of accurately predicting future market movements with certainty.

11.3 AI May Produce Errors

Users acknowledge that AI-generated information may occasionally:

• contain factual inaccuracies;

• contain outdated information;

• omit relevant information;

• misunderstand context;

• incorrectly summarize news;

• misclassify financial information;

• generate incomplete analyses;

• produce inconsistent outputs.

The Company continuously improves its AI systems but cannot guarantee error-free performance.

11.4 Data Availability

Certain analyses depend upon the availability of market data provided by third-party providers.

Interruptions, delays, inaccuracies, missing information, or technical failures affecting external data providers may influence AI-generated outputs.

The Company shall not be liable for inaccuracies resulting from third-party data sources.

11.5 No Guaranteed Performance

Nothing within the Service guarantees:

• investment returns;

• profitable investments;

• market timing;

• price appreciation;

• risk reduction;

• portfolio growth;

• financial success.

Past market behavior should never be interpreted as an indication of future results.

11.6 Continuous Model Updates

The Company reserves the right to:

• replace AI models;

• retrain AI models;

• improve algorithms;

• change scoring systems;

• modify analytical methodologies;

• discontinue AI features;

• introduce new technologies.

Such changes may affect previously generated analyses.

12. INVESTMENT INFORMATION ONLY

12.1 Educational Purpose

The Service is designed exclusively to provide:

• educational content;

• market research;

• financial news summaries;

• market observations;

• statistical analyses;

• trend identification;

• general investment ideas.

The Service is intended to improve users' understanding of financial markets and should not be interpreted as providing regulated investment services.

12.2 Informational Nature

All information provided through the Service is intended solely for informational and educational purposes.

Nothing contained within the Service constitutes:

• investment advice;

• financial planning;

• portfolio management;

• tax advice;

• accounting advice;

• legal advice;

• fiduciary services.

Users remain solely responsible for evaluating any information provided.

12.3 General Market Information

Investment ideas generated by the Service represent general market observations based upon publicly available information and AI analysis.

Such ideas are intended to stimulate independent research and should never be interpreted as recommendations directed toward any specific individual.

12.4 Independent Verification

Users should independently verify all information before relying upon it.

Independent research may include consulting:

• official company reports;

• regulated financial institutions;

• licensed financial advisers;

• public filings;

• regulatory announcements;

• reputable financial news sources.

13. NO FINANCIAL ADVICE

13.1 No Personal Recommendations

The Company does not provide:

• personal investment advice;

• individualized financial recommendations;

• personalized portfolio advice;

• regulated investment services;

• discretionary portfolio management.

The Service does not consider any user's:

• income;

• assets;

• liabilities;

• investment objectives;

• investment experience;

• financial circumstances;

• tax position;

• risk tolerance.

Accordingly, no content provided through the Service should be interpreted as a personal recommendation.

13.2 Independent Decisions

Every investment decision must be made independently by the User.

Users acknowledge that they are solely responsible for:

• purchasing securities;

• selling securities;

• holding investments;

• portfolio allocation;

• diversification;

• timing of transactions.

The Company assumes no responsibility for any investment decision made by Users.

13.3 Professional Advice

Before making significant financial decisions, Users are encouraged to seek advice from appropriately qualified professionals where appropriate.

The Service is not intended to replace professional financial, legal, tax, or accounting advice.

13.4 No Fiduciary Relationship

Nothing contained within these Terms or the Service creates:

• a fiduciary relationship;

• an advisory relationship;

• an investment management agreement;

• a brokerage relationship.

The Company acts solely as a technology provider offering AI-powered informational services.

14. MARKET ANALYSIS

14.1 Nature of Analysis

Market analyses available through the Service are generated using combinations of:

• AI models;

• statistical analysis;

• publicly available information;

• licensed financial data;

• news aggregation;

• market indicators;

• technical indicators;

• sentiment analysis;

• historical price information.

14.2 Analytical Methodology

Analyses may consider numerous variables, including:

• market volatility;

• historical trends;

• trading volume;

• economic indicators;

• earnings announcements;

• analyst consensus;

• macroeconomic developments;

• sector performance;

• news sentiment.

The analytical methodology may evolve over time.

14.3 No Market Guarantee

Market analyses represent probabilistic assessments rather than factual predictions.

The Company makes no guarantee that any analysis will correctly anticipate future market developments.

14.4 Historical Information

Historical information is provided solely for context.

Historical performance should never be interpreted as a guarantee of future results.

15. INVESTMENT IDEAS

15.1 General Information

Investment Ideas generated through the Service represent AI-assisted informational observations based upon available market information.

They are not:

• personalized;

• tailored;

• regulated recommendations;

• individualized investment advice.

15.2 No Obligation to Act

Users are under no obligation to act upon any Investment Idea.

The Service merely provides information intended to assist users in conducting their own independent research.

15.3 User Responsibility

Before making any investment decision, Users should independently assess:

• financial risks;

• liquidity;

• diversification;

• market conditions;

• personal investment objectives;

• financial circumstances.

The Company accepts no responsibility for investment outcomes.

15.4 No Performance Representation

The Company does not represent or warrant that any Investment Idea will:

• generate profits;

• outperform markets;

• reduce losses;

• outperform benchmarks;

• increase portfolio value.

Investment Ideas should be regarded solely as educational information.

16. RISK DISCLOSURE

16.1 General Investment Risk

Investing in financial markets involves substantial risk.

Users acknowledge that investments may increase or decrease in value and that partial or total loss of invested capital is possible.

16.2 Types of Risk

Financial markets involve numerous risks, including but not limited to:

• market risk;

• liquidity risk;

• credit risk;

• interest rate risk;

• currency risk;

• inflation risk;

• political risk;

• technological risk;

• cybersecurity risk;

• operational risk;

• regulatory risk.

16.3 Volatility

Certain financial instruments, including growth stocks, derivatives, and cryptocurrencies, may experience significant price volatility over short periods.

Users should understand the characteristics and risks of any asset before investing.

16.4 No Capital Protection

The Company does not guarantee:

• preservation of capital;

• minimum returns;

• income generation;

• portfolio stability;

• protection against losses.

16.5 Assumption of Risk

By using the Service, you acknowledge and accept that all investment activities involve risk and that you assume full responsibility for any financial decisions made based on information obtained through the Service.

17. SUBSCRIPTION PLANS

17.1 Subscription Services

The Company offers both free and paid subscription plans ("Subscriptions") providing access to various features of the Service.

Subscription plans may include, but are not limited to:

• Free Plan

• Monthly Premium Subscription

• Annual Premium Subscription

• Enterprise Plans (where available)

Each Subscription grants access only to the features described at the time of purchase.

17.2 Subscription Features

Premium features may include:

• Unlimited AI market analyses

• Premium investment ideas

• Advanced market indicators

• AI-powered watchlists

• Portfolio monitoring tools

• Market sentiment analysis

• Personalized dashboards

• Priority customer support

• Early access to new features

Feature availability may vary between subscription plans.

17.3 Subscription Period

Subscriptions are billed on either:

• Monthly basis; or

• Annual basis.

The subscription period begins immediately after successful payment unless otherwise specified.

17.4 Changes to Subscription Plans

The Company reserves the right to:

• introduce new subscription plans;

• discontinue existing plans;

• modify available features;

• adjust usage limits;

• introduce additional premium services.

Material changes affecting active subscribers will be communicated in advance where required by applicable law.

18. BILLING

18.1 Payment Provider

Payments are processed through secure third-party payment providers, including but not limited to Stripe or other authorized payment processors.

The Company does not store complete payment card information on its own servers.

18.2 Accepted Payment Methods

Available payment methods may include:

• Credit Cards

• Debit Cards

• Apple Pay

• Google Pay

• Bank Cards

• Other payment methods supported by the payment processor.

Available payment methods may vary depending on your country.

18.3 Payment Authorization

By purchasing a Subscription, you authorize the Company and its payment providers to charge your selected payment method for:

• subscription fees;

• applicable taxes;

• renewal payments;

• outstanding balances;

• other authorized charges.

18.4 Taxes

Subscription prices may include or exclude applicable taxes depending upon your location and applicable law.

Users are solely responsible for any local taxes, duties, withholding taxes, or governmental charges applicable to their purchase.

18.5 Failed Payments

If a payment cannot be processed, the Company may:

• retry the payment;

• temporarily suspend premium access;

• restrict certain features;

• terminate the Subscription after reasonable notice.

Users remain responsible for outstanding subscription fees.

18.6 Price Changes

The Company reserves the right to change subscription pricing at any time.

Existing subscribers will receive reasonable prior notice before any price increase affecting future renewal periods.

If you do not accept the new pricing, you may cancel your Subscription before the next renewal date.

19. AUTOMATIC RENEWALS

19.1 Automatic Renewal

Unless cancelled before the end of the current billing period, all paid Subscriptions automatically renew for successive periods of equal duration.

By purchasing a Subscription, you expressly authorize automatic recurring payments.

19.2 Renewal Charges

Renewal charges will be processed using your selected payment method at the beginning of each new billing cycle.

You are responsible for ensuring that your payment information remains valid and up to date.

19.3 Renewal Notifications

Where required by applicable law, the Company may provide reminders prior to renewal.

Failure to receive such notifications does not affect the validity of the automatic renewal.

19.4 Failed Renewals

If renewal payment cannot be completed, premium access may be suspended until payment has been successfully processed.

20. CANCELLATION

20.1 User Cancellation

You may cancel your Subscription at any time through your Account settings or by contacting Customer Support.

Cancellation requests become effective at the end of the current paid billing period unless otherwise required by applicable law.

20.2 Continued Access

After cancellation:

• no additional renewal charges will be made;

• premium access remains available until the current billing period expires;

• the Subscription will not automatically renew.

20.3 No Partial Billing

Unless expressly required by law or stated in the Refund Policy, subscription fees are not prorated for unused portions of a billing period.

20.4 Company Cancellation

The Company reserves the right to terminate or suspend any Subscription if:

• these Terms are violated;

• fraudulent activity is detected;

• payment fraud occurs;

• illegal use of the Service is identified;

• continued access presents security risks.

21. REFUND POLICY

21.1 General Rule

Subscription fees are generally non-refundable once a billing period has commenced.

However, the Company may, at its sole discretion or where required by applicable law, provide refunds under certain circumstances.

21.2 Eligible Refund Situations

Refund requests may be considered in situations including:

• duplicate payments;

• accidental purchases;

• technical issues preventing reasonable use of the Service;

• billing errors;

• unauthorized purchases that are verified.

Each request will be evaluated individually.

21.3 Non-Refundable Situations

Refunds will normally not be granted where:

• the Subscription has been substantially used;

• the User simply changes their mind;

• market performance does not meet expectations;

• investment outcomes differ from expectations;

• the User failed to cancel automatic renewal before renewal occurred.

21.4 Refund Review

All refund requests shall be reviewed individually by the Company.

The Company reserves the right to request additional information before making a decision.

21.5 Processing Time

Approved refunds will normally be processed using the original payment method.

Processing times depend upon the payment provider and financial institution and may take several business days.

22. FREE TRIALS AND PROMOTIONAL OFFERS

22.1 Free Trials

The Company may offer free trial periods for selected Subscription plans.

The availability, duration, and eligibility requirements of free trials are determined solely by the Company.

22.2 Eligibility

Free trials are generally limited to new customers unless otherwise stated.

The Company may restrict multiple trial registrations from the same individual, household, payment method, or device.

22.3 Automatic Conversion

Unless cancelled before the end of the trial period, the Subscription may automatically convert into a paid Subscription and your selected payment method may be charged.

The applicable pricing will be clearly presented before trial activation.

22.4 Promotional Campaigns

The Company may offer:

• promotional pricing;

• discount codes;

• referral rewards;

• introductory offers;

• seasonal campaigns.

Promotions:

• may be time-limited;

• cannot normally be combined;

• may be withdrawn at any time unless prohibited by law.

22.5 Abuse of Promotions

The Company reserves the right to suspend Accounts and cancel promotional benefits where abuse, fraud, or manipulation of promotional campaigns is detected.

Examples include:

• creating multiple Accounts;

• using false identities;

• exploiting technical errors;

• abusing referral systems.

23. INTELLECTUAL PROPERTY RIGHTS

23.1 Ownership

Unless expressly stated otherwise, all rights, title, and interest in and to the Service are and shall remain the exclusive property of Concept Bandits Sweden AB and its licensors.

Nothing contained in these Terms transfers ownership of any intellectual property rights to the User.

23.2 Protected Materials

The Company's intellectual property includes, but is not limited to:

• AI models

• Machine learning systems

• Algorithms

• Source code

• Backend systems

• APIs

• User interfaces

• Dashboards

• Market analysis methodologies

• Databases

• Data structures

• Visual designs

• Icons

• Logos

• Brand names

• Domain names

• Software architecture

• Documentation

• Educational materials

• Reports

• Charts

• Graphics

• AI-generated outputs

• Proprietary prompts

• Statistical models

• Scoring systems

• Risk models

All such materials are protected under applicable copyright, trademark, trade secret, database, and other intellectual property laws.

23.3 Reservation of Rights

All rights not expressly granted under these Terms are reserved by the Company.

No implied licenses shall be granted.

23.4 Feedback

If you voluntarily provide suggestions, ideas, feature requests, bug reports, improvements, or other feedback relating to the Service, you grant the Company a worldwide, perpetual, irrevocable, royalty-free, sublicensable license to use, modify, reproduce, commercialize, and incorporate such feedback into the Service without compensation or attribution.

24. SOFTWARE LICENSE

24.1 Limited License

Subject to these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service solely for your personal or internal business purposes.

This license does not transfer ownership of the Service or any underlying intellectual property.

24.2 Restrictions

Except where expressly permitted by applicable law, you shall not:

• copy the software;

• reproduce any portion of the platform;

• modify the software;

• distribute the software;

• sublicense the software;

• sell access to the Service;

• rent the software;

• lease the software;

• reverse engineer any software component;

• attempt to discover source code;

• bypass technical protection measures;

• create derivative works.

24.3 AI Models

Users obtain no ownership rights in any AI model or AI-generated technology used within the Service.

The Company retains exclusive ownership of:

• model architecture;

• prompts;

• training methodologies;

• optimization techniques;

• scoring algorithms;

• confidence calculations;

• prediction methodologies.

24.4 Temporary License Suspension

The Company may suspend or revoke the license granted under these Terms if the User violates any provision contained herein.

25. THIRD-PARTY SERVICES

25.1 External Providers

The Service may integrate or rely upon third-party products and services, including but not limited to:

• payment processors;

• cloud infrastructure providers;

• AI providers;

• market data providers;

• authentication services;

• analytics platforms;

• email providers;

• notification services.

25.2 No Responsibility

The Company is not responsible for:

• third-party websites;

• third-party software;

• external services;

• payment provider availability;

• external API failures;

• data provider interruptions.

Your use of third-party services is governed by their respective terms and privacy policies.

25.3 Third-Party Links

The Service may contain links to third-party websites.

Such links are provided solely for convenience.

The Company neither endorses nor assumes responsibility for the content, products, or services available through third-party websites.

25.4 Service Dependencies

Certain functionality depends on third-party providers.

Temporary interruptions affecting such providers may impact parts of the Service without constituting a breach of these Terms.

26. MARKET DATA PROVIDERS

26.1 Data Sources

Market information displayed through the Service may originate from licensed or publicly available data providers.

Examples include:

• stock exchanges;

• financial news organizations;

• economic institutions;

• public company filings;

• licensed market data vendors.

26.2 Accuracy

Although reasonable efforts are made to provide accurate information, market data:

• may contain delays;

• may contain inaccuracies;

• may be incomplete;

• may change without notice.

The Company does not warrant the completeness or accuracy of market data.

26.3 Delayed Information

Certain market information may be delayed depending on licensing agreements or data provider limitations.

Real-time market data is not guaranteed unless expressly stated.

26.4 Informational Use

Market data is provided solely for informational purposes and shall not be interpreted as investment advice or a recommendation to trade.

27. SERVICE AVAILABILITY

27.1 General Availability

The Company aims to provide continuous access to the Service but does not guarantee uninterrupted availability.

Temporary interruptions may occur due to:

• maintenance;

• updates;

• technical issues;

• security incidents;

• infrastructure failures;

• third-party outages;

• force majeure events.

27.2 Planned Maintenance

Scheduled maintenance may temporarily affect availability.

Where reasonably practicable, advance notice will be provided.

27.3 Emergency Maintenance

Emergency maintenance may be performed without prior notice where necessary to protect:

• users;

• infrastructure;

• data;

• platform security.

27.4 Feature Changes

The Company reserves the right to:

• modify features;

• remove features;

• redesign interfaces;

• improve functionality;

• discontinue products.

Such changes shall not normally entitle Users to compensation.

28. MAINTENANCE AND UPDATES

28.1 Continuous Improvement

The Company continuously develops and improves the Service.

Updates may include:

• security improvements;

• AI model enhancements;

• interface improvements;

• new analytical methods;

• bug fixes;

• performance improvements.

28.2 Automatic Updates

Certain updates may be deployed automatically without prior notice where necessary for security, compliance, or operational stability.

28.3 Compatibility

The Company does not guarantee compatibility with outdated devices, browsers, or operating systems.

Users are responsible for maintaining supported software.

29. DISCLAIMER OF WARRANTIES

29.1 "As Is"

The Service is provided on an "AS IS" and "AS AVAILABLE" basis.

To the maximum extent permitted by applicable law, the Company disclaims all warranties, whether express, implied, statutory, or otherwise.

29.2 No Warranty

The Company does not warrant that:

• the Service will be uninterrupted;

• the Service will be error-free;

• defects will always be corrected;

• the Service will meet every User's expectations;

• analyses will be accurate;

• AI outputs will be reliable;

• market data will always be current.

29.3 Investment Outcomes

The Company makes no representation or warranty regarding:

• investment performance;

• financial returns;

• profitability;

• market timing;

• portfolio growth;

• preservation of capital.

Users acknowledge that all investment activities involve substantial financial risk.

29.4 Availability

The Company does not guarantee continuous availability of any specific feature, AI model, data provider, or functionality.

Certain features may be discontinued without liability.

29.5 Maximum Extent Permitted by Law

Nothing in these Terms excludes warranties or rights that cannot legally be excluded under applicable consumer protection legislation.

Where mandatory law provides rights that cannot be waived, those rights remain unaffected.

30. LIMITATION OF LIABILITY

30.1 Maximum Extent Permitted by Law

To the fullest extent permitted by applicable law, the Company, its directors, officers, employees, shareholders, affiliates, licensors, suppliers, and partners shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or other damages arising out of or relating to your use of, or inability to use, the Service.

30.2 Excluded Damages

Without limitation, the Company shall not be liable for:

• loss of profits;

• loss of investment capital;

• trading losses;

• loss of opportunity;

• loss of business;

• loss of revenue;

• loss of goodwill;

• loss of anticipated savings;

• loss of contracts;

• loss of data;

• business interruption;

• system failures;

• reputational damage.

30.3 Investment Decisions

You acknowledge that all investment decisions are made solely by you.

The Company shall not be responsible for any financial loss arising from:

• reliance upon AI-generated analyses;

• market movements;

• investment ideas;

• market news;

• statistical probabilities;

• economic forecasts;

• technical indicators.

30.4 Liability Cap

To the extent permitted by law, the Company's total aggregate liability arising from or relating to the Service shall not exceed the total subscription fees actually paid by you to the Company during the twelve (12) months immediately preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits liability that cannot be excluded under applicable law, including liability for fraud, wilful misconduct, or death or personal injury caused by negligence where such exclusion is prohibited.

31. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless the Company, its affiliates, directors, officers, employees, contractors, licensors, successors, and assigns from and against any claims, liabilities, damages, losses, judgments, penalties, fines, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• your breach of these Terms;

• your misuse of the Service;

• your violation of applicable law;

• your infringement of intellectual property rights;

• your violation of the rights of any third party;

• fraudulent or unlawful activities conducted through your Account.

This obligation survives the termination of your Account or Subscription.

32. SUSPENSION AND TERMINATION

32.1 Suspension

The Company may immediately suspend or restrict access to the Service where reasonably necessary to:

• protect the integrity of the Service;

• investigate suspected fraud;

• prevent unauthorized access;

• comply with legal obligations;

• address security incidents;

• prevent misuse of the platform.

32.2 Termination by the User

You may terminate your Account at any time through your account settings or by contacting customer support.

Termination of your Account does not automatically entitle you to a refund unless required by law or expressly provided in the Refund Policy.

32.3 Termination by the Company

The Company may terminate or suspend your Account immediately if:

• you materially breach these Terms;

• payment obligations remain unpaid after reasonable notice;

• fraudulent activity is detected;

• your use creates security risks;

• you engage in illegal activity;

• you misuse AI functionality;

• you attempt to reverse engineer or exploit the Service.

Where appropriate, the Company may provide notice and an opportunity to remedy the breach before termination.

32.4 Effect of Termination

Upon termination:

• your right to use the Service immediately ceases;

• access to premium features ends;

• outstanding payment obligations remain due;

• provisions intended to survive termination (including intellectual property, limitation of liability, indemnification, governing law, and dispute resolution) remain in effect.

33. GOVERNING LAW

These Terms and any dispute arising out of or relating to them shall be governed by and construed in accordance with the laws of the Kingdom of Sweden, without regard to its conflict of law rules.

Mandatory consumer protection laws applicable in the country of your habitual residence within the European Union remain unaffected where required by law.

34. DISPUTE RESOLUTION

34.1 Good Faith Negotiation

The parties shall first attempt to resolve any dispute through good faith negotiations.

34.2 Court Jurisdiction

Unless otherwise required by mandatory consumer protection law, disputes arising from these Terms shall be submitted to the competent courts of Sweden.

Nothing in this clause prevents a consumer from bringing proceedings before courts having jurisdiction under mandatory consumer legislation.

34.3 Alternative Dispute Resolution

Where applicable, consumers residing within the European Union may have access to alternative dispute resolution mechanisms or other consumer dispute resolution procedures available under applicable law.

35. CONSUMER RIGHTS

Nothing in these Terms limits or excludes mandatory rights granted to consumers under applicable law, including:

• Swedish consumer protection legislation;

• the General Data Protection Regulation (GDPR);

• other mandatory EU consumer protection laws.

Where these Terms conflict with mandatory legal provisions, the mandatory provisions shall prevail.

36. ELECTRONIC COMMUNICATIONS

By creating an Account or using the Service, you consent to receive communications electronically.

Such communications may include:

• security notices;

• invoices;

• subscription confirmations;

• service announcements;

• updates to these Terms;

• privacy notices;

• customer support messages.

Electronic communications satisfy any legal requirement that communications be provided in writing, where permitted by law.

37. AMENDMENTS TO THESE TERMS

The Company may modify these Terms from time to time to reflect:

• changes in applicable law;

• technological developments;

• security requirements;

• operational improvements;

• business changes.

Material changes will be communicated through reasonable means, such as within the Service or by email, where required by law.

Your continued use of the Service after the effective date of revised Terms constitutes acceptance of the updated Terms.

38. SEVERABILITY

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

The invalid provision shall, to the extent possible, be interpreted in a manner that most closely reflects its original commercial purpose while complying with applicable law.

39. ASSIGNMENT

You may not assign, transfer, delegate, or otherwise dispose of your rights or obligations under these Terms without the Company's prior written consent.

The Company may assign or transfer these Terms, in whole or in part, in connection with:

• a merger;

• acquisition;

• corporate restructuring;

• sale of assets;

• financing transaction;

• transfer of the Service.

40. FORCE MAJEURE

The Company shall not be liable for any delay or failure to perform its obligations caused by events beyond its reasonable control, including but not limited to:

• natural disasters;

• war;

• terrorism;

• cyberattacks;

• governmental actions;

• labour disputes;

• pandemics;

• power failures;

• internet outages;

• failures of third-party providers.

Performance shall resume as soon as reasonably practicable after the force majeure event has ceased.

41. WAIVER

Failure by the Company to enforce any provision of these Terms shall not constitute a waiver of that provision or any other right.

Any waiver shall be effective only if made in writing by an authorized representative of the Company.

42. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy, Cookie Policy, Subscription Policy, Refund Policy, AI Disclaimer, Investment Disclaimer, and any other policies expressly incorporated by reference, constitute the entire agreement between you and the Company regarding the Service and supersede all prior agreements, understandings, and communications relating to the subject matter.

43. CONTACT INFORMATION

If you have any questions regarding these Terms or the Service, you may contact:

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

Email: [Support Email] Website: [Website URL]

END OF TERMS AND CONDITIONS

By using the Service, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.