IMPORTANT INFORMATION

Users (“You” or “Your”) should carefully read this important information before using this application (the “Application”). This disclaimer and terms of use (“Terms”) apply to your subscription to the Application and your use of any information, materials, opinions, forecasts, articles, postings, hyperlinks or features/functions included from time to time on this Application (the “Information”). If you do not agree with these Terms do not use the Application.

Copyright in this Application and in the Information and material contained herein is owned by Life Unlocked Limited t/a STRATxAI (“STRATxAI” or “The Company” or “We”), having its registered office at Rathkip, Ballina, Mayo, Ireland.

STRATxAI is a financial technology platform. We research quantitative investment strategies and provide that research to the public.

The fundamental concept is that you should NOT rely upon the Information. Rather, you should use the Information as a starting point for doing independent research on companies and investing techniques. Then judge for yourself the merits of the Information.

STRATxAI is not here to give you hot "tips," to "make", "buy" or "sell" recommendations, or to tell you what to do with your money. We are here to help you to learn how to make investment and personal finance decisions for yourself. We are here to empower you to control your own investments.

You are responsible for your own investment decisions. STRATxAI will not be responsible for any errors or omissions in the Information, or for any results obtained from the use of the Information. STRATxAI will not be liable for any loss or damage caused by a reader's reliance on the Information. If you do not accept this responsibility for yourself, then you should not use this Application.

By signing up, You create a self-directed Account (“Account”). All User Accounts are self-directed. Accordingly, You are solely responsible for any and all orders placed in your Account or via your Accounts and understand that all orders entered by You are unsolicited and based on Your own investment decision or the investment decisions of Your duly authorized representative or agent. Consequently, any User of The Application agrees that neither Company nor any of its employees, agents, principals or representatives:

1) provide investment advice in connection with a User Account;

2) recommend any security, transaction or order;

3) solicit orders;

4) act as a market maker in any security;

5) make discretionary trades; and

6) produce or provide research. To the extent research materials or similar information is available through Company or the websites of any of its affiliates, these materials are intended for informational and educational purposes only and they do not constitute a recommendation to enter into any securities transactions or to engage in any investment strategies.

NOTE: We do NOT provide or promote in any way AUTO TRADING (automatic order placement) for securities. We only provide notifications based on Your strategy and the orders need to be placed manually by the user. “Algorithmic” or “ Algo trading” or “Automated” on The Application, its and sub-domains does NOT imply or refer to auto trading, and Algorithmic or algo trading ONLY refers to deriving the trade signal based on a strategy, but the order placement post identification of a trade signal needs to be done manually.

DISCLAIMER AND IMPORTANT REGULATORY INFORMATION

Accuracy of Information and Liability

The Information has been compiled in good faith and is based on publicly available sources believed to be reliable, but no guarantee is given as to its accuracy or completeness and you should be aware that this Application is not a completely reliable transmission medium. The Information is provided without obligation and on the understanding that any person who acts upon it or changes their investment position in reliance on it does so entirely at one’s own risk. The Information on this Application is intended to act as a reference guide and requires verification to ensure its accuracy and completeness. All Information is subject to modification from time to time without notice.

No representation, warranty or undertaking, express or implied, is made by STRATxAI, its affiliates or any other person as to the reliability, accuracy or completeness of the Information contained on this Application and no liability is accepted by such persons for the reliability, accuracy, fairness, or completeness of the Information. STRATxAI is not an investment adviser or broker or dealer and will not advise on the merits of a particular transaction and it is therefore your responsibility to take into account your knowledge and experience, investment objectives and financial circumstances and make your own judgement as to suitability for any particular purpose. You are advised to obtain independent professional advice (including inter alia investment, legal, financial and tax advice) suitable to your individual circumstances before making an investment decision, and only make decisions on the basis of your own objectives, experience and resources. You acknowledge, by agreeing to these Terms, that you are solely responsible for all financial and other decisions made by you by reference to the Information.

You hereby acknowledge and agree that this Application and the Information is made available for use ‘as is’ and ‘as available’ and we make no representations and give no warranties of any kind whatsoever in relation to this Application and that, without prejudice to the generality of the foregoing, we make no warranty or representation regarding, and shall have no responsibility for, the accuracy, availability, reliability, security, fitness for purpose or performance or continuity of this Application or the Information. It is your sole responsibility to ensure that this Application is suitable for your purposes.

All representations, warranties, guarantees, terms and conditions whether express or implied by statute or otherwise in relation to this Application or the Information (including any implied warranty of title, accuracy of data, non-infringement, merchantability or fitness for a particular purpose) are hereby excluded to the fullest extent permitted by law.

We make no representation or warranty that this Application will be uninterrupted or error free or that this Application will be free of viruses. We do not warrant or represent that this Application will meet your requirements or specifications, or that any errors or bugs in this Application will be corrected.

STRATxAI HEREBY EXCLUDES ALL LIABILITY FOR ANY DIRECT, INDIRECT, SPECIAL, OR CONSEQUENTIAL LOSS OR DAMAGE (IN EACH CASE INCLUDING BUT NOT LIMITED TO: BUSINESS INTERRUPTION, LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF ANTICIPATED SAVINGS AND/OR LOSS OF GOODWILL) ARISING FROM, OR IN CONNECTION WITH: (A) THE ACCESSING OR USE OF, OR THE INABILITY TO ACCESS OR USE, THIS APPLICATION; OR (B) ANY DECISIONS YOU MAKE BASED ON THE INFORMATION, OPINIONS, ESTIMATES, AND CONTENT MADE AVAILABLE TO YOU THROUGH THIS APPLICATION; OR (C) ANY WEBSITES ACCESSED VIA OR ADVERTISED ON THIS APPLICATION, WHETHER OR NOT SUCH LOSS IS REASONABLY FORESEEABLE AS AT THE DATE YOU ACCESS THIS APPLICATION, EVEN IF STRATxAI HAS BEEN ADVISED OF THE POSSIBILITY OF YOU INCURRING SUCH LOSS OR DAMAGE, AND WHETHER OCCASIONED BY THE NEGLIGENCE OF STRATxAI OR ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, OR SUB-CONTRACTORS.  THE AGGREGATE LIABILITY OF STRATxAI IN RESPECT OF ANY CLAIM MADE BY YOU OR ON YOUR BEHALF WILL BE LIMITED TO AMOUNTS PAID OR PROPERLY PAYABLE (IF ANY) UNDER A SUBSCRIPTION WITH STRATxAI SUBJECT TO THESE TERMS DURING THE TWELVE-MONTH PERIOD PRIOR TO THE DATE OF THE EVENT OR MATTER GIVING RISE TO THE CLAIM, EVEN IF STRATxAI WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

No Advice

The Information is not financial advice, and you agree that this Application will not be used for the purposes of obtaining or giving advice.

Location

The Information is directed only at persons in any jurisdiction or country where such access to the Information and use thereof is not contrary to local law or regulation. Accordingly, all persons who access this Application are required to inform themselves of and to comply with any such restrictions as this Application may not be accessed from any territory, country or jurisdiction where such an Application would be contrary to local law or regulation. STRATxAI disclaims all responsibility if you access any Information from this Application in breach of any law or regulation in the country of which you are a citizen or in which you are residing or domiciled.

No Offer

Nothing in this Application constitutes or forms part of any offer to issue or sell, or any solicitation of any offer to subscribe for or purchase shares, units or other securities/interests in companies referred to herein (collectively the “Shares”). The Information may not be treated as an offer or solicitation of an offer. Nor shall this Application form the basis of, or be relied on in connection with, any contract for Shares.

Risks of Investing

Investing entails risks, including possible loss of principal. No representation is being made that any investment or transaction will or is likely to achieve profits or losses similar to those achieved in the past, or that significant losses will be avoided. No assurances or guarantees are given regarding the performance of any Shares.

Past performance may not be repeated and should not be seen as a guide to future performance. The value of investments and the income from them may go down as well as up due to the volatile nature of investing on the stock market and users of the Application who make investments may not get back the amount originally invested. Users of the Application should also consult their own independent professional advisors (including, inter alia, investment, legal, financial and tax advice) in order to understand any applicable consequences where investing.

Personal data usage

STRATxAI collects your personal data, including your email address, user name, birthday, gender, location (country), investing experience and feedback. For information on how we process your personal data and who processes your personal data, please see our Data Protection Policy. We note that you may also provide personal data to a third party payment provider in order to obtain a premium subscription and should refer to its privacy statement in respect of same.

Payment

The version of this Application available for a free subscription has limited functionality; a paid subscription may be purchased in the Application using a third party payment provider. Your payment and related payment information is managed through this third party payment provider and no assurances or guarantees are given regarding the third party payment provider or their use of your payment information. The subscription will auto-renew and auto-charge once the subscription period is over but may be cancelled at any time. You will be charged until you cancel your subscription. Cancellations apply to the next billing period.

When you first purchase a subscription, you will initially be charged at the price as specified at that point in time. The Application price and/or subscription price is subject to change at any time. You will be notified of any change to the subscription price in advance of the next billing period.

Links

This Application may contain links to websites operated by third parties. Such links are provided for your convenience only. We have no control over these websites and we are not responsible for their availability or content. The inclusion on this Application of links to such other websites does not imply any endorsement of the material on such websites or any association with their operators.

Indemnity

You agree to indemnify, defend, and hold harmless STRATxAI, its affiliates and licensors, and the officers, directors, employees, and agents of STRATxAI from and against any and all claims, liabilities, damages, losses, or expenses, including legal fees and costs, arising out of or in any way connected with your improper use of this Application, including without limitation, use in breach of these Terms.

Age

You must be 18 years or older to use this Application.

Intellectual Property

This Application is to be accessed for your personal use only and may not be used for any commercial purpose.

Copyright, trademarks, database rights, patents and all similar rights in this Application and the Information are owned by STRATxAI. The information on this Application may not be reproduced, distributed, stored in a data retrieval system or transmitted, in any form or by any means (electronic, mechanical, photocopying, recording or otherwise) without the prior written permission of STRATxAI. Nothing on this Application should be considered as granting any licences or right under any trademark of STRATxAI.

You may not modify, copy, distribute, transmit, post, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any pages, data, Information, software, products, content, or services obtained from this Application, unless you have obtained the prior written permission of STRATxAI. You may not link to this Application, nor frame it, without the express written permission of STRATxAI.

We grant you a limited, non-exclusive, non-transferable, non-sub- licensable, revocable licence to access and use this Application solely in accordance with the Terms and solely for your own personal use and reference.

Variation

These Terms and any documents referred to herein may be amended from time to time by us and will specify the latest date on which they have been amended. Any changes, modifications, or additions to, or deletions from these Terms shall be effective upon publication to this Application. You must check these Terms periodically for changes. If you access this Application after we have made changes to the Terms, you shall agree to be bound by them through your access and use of this Application.

We reserve the right, in our sole discretion, to change, modify, add or remove the content of this Application at any time.

Termination

The rights granted to you herein terminate immediately upon any violation by you of these Terms. STRATxAI reserves the right to terminate your access to this Application at any time, without notice, for any reason whatsoever. You agree that STRATxAI shall not be liable to you or any third party for any termination of your access to this Application.

Severability

If we decide not to enforce any of our rights under these Terms, it will not mean we cannot enforce them in the future. We do not hereby waive any rights we have at law.

Each of the clauses and sub-clauses of these Terms is severable and distinct from the others. If at any time, any clause or sub-clause is, or becomes, invalid, illegal or otherwise unenforceable, such clause or sub-clause will be considered deleted and this will not affect the validity, enforceability and legality of any of the other clauses or sub-clauses of these Terms.

Arbitration

Any dispute which arises between STRATxAI and the users of this Application out of or in connection with these Terms or the subject matter thereof shall be resolved by an arbitrator. The place of the arbitration shall be Dublin, Ireland. The language to be used in the arbitral proceedings shall be English. The Arbitration Tribunal shall consist of a single arbitrator appointed by agreement between the parties or in default of agreement within 30 days after a request for arbitration is made by any party, appointed on the application of any party by the President for the time being of the Law Society of Ireland.

Governing Law

Your use of this Application and the operation of these Terms shall be governed by and interpreted in accordance with the laws of Ireland. The Irish Courts (subject to the provisions of the above clause (Arbitration)) shall have exclusive jurisdiction over any dispute arising out of your use of this Application.

These Terms represent the entire agreement between STRATxAI and the user of this Application relating to the subject matter herein.

Promotions and competitions

For certain campaigns, promotions or contests, additional terms and conditions may apply. If you want to participate in such a campaign, promotion or contest, you need to agree to the relevant terms and conditions applicable to that campaign, promotion or contest. In case of any inconsistency between such terms and conditions and these Terms, those terms and conditions will prevail.

Security

For certain campaigns, promotions or contests, additional terms and conditions may apply. If you want to participate in such a campaign, promotion or contest, you need to agree to the relevant terms and conditions applicable to that campaign, promotion or contest. In case of any inconsistency between such terms and conditions and these Terms, those terms and conditions will prevail.

Investment Risk

There are many risks to consider when live algorithmic trading, some of these risks are as follows:

• Past Performance is not indicative of future performance
• Backtesting provides simulated results but is not guaranteed to match how the strategy actually would have performed. Best practices are followed in STRATxAI’s backtesting such as accounting for look-ahead and survivorship bias and by using as high quality dataset. However backtests should be used as a guide for how a strategy MIGHT have performed, rather than how it actually performed.
• Integration with your broker / exchange may fail at any time. If this happens, the portfolio may cease to be tracked or rebalancing may not be possible. If this occurs, you may attempt to reconnect, but The Company is not responsible for any loss of capital that may occur.
• You may not receive a notification about the required rebalance or signal - this can happen for a variety of reasons, including internet issues or internal server issues. You should still check in periodically to STRATxAI (every month) to see if any portfolio needs to be rebalanced. The Company is not responsible for any loss of capital that may occur due to not being notified about rebalance.

AI Trained ChatBot

SAM is an AI-generated chatbot and should not be considered as professional financial guidance. Its responses should be used for informational purposes only and not to be relied on as advice. Decisions regarding investments should be based on individual research, analysis, and consultation with qualified financial professionals.

Referrals

STRATxAI Users are eligible to enter the STRATxAI referral programme. The Referral programme gives the Referrer $50 for every verified referral that is made. A referral is verified when the ‘friend’ who was referred signs up for a paid plan and input credit card details into STRATxAI (through payment provider Stripe).  A user can refer a maximum of 10 people in any given month.

Payouts for the previous month are made in the first week of the new month. Payouts will not normally take longer than 30 days, though in some instances it may take up to 60 days for the referrer to be paid.

Under no circumstances should You refer Yourself to The Platform to game, cheat or fraud the referral system. You may create at most one STRATxAI account. You should never create an account purely to obtain the referral reward. Doing so will result in a permanent ban from the Application and legal proceedings. STRATxAI uses automated fraud detection to determine whether a referral is valid - looking at properties like IP address, frequency of account use, and source of payment.

You should not engage in any actions that are designed to disrupt or undermine the referral program.

Purchases

Users are able to purchase paid subscriptions to this Application from STRATxAI. These services are delivered as monthly subscriptions. We reserve the right to cancel or refuse access to our services for any user. The following terms apply to those users that have purchased said services:

● Discounts/Promotional Prices;

Users that subscribe under a reduced rate shall have the discount applied for that period only (i.e. as advised on the offer, up to a maximum of 12 months). After which time, their rate shall revert to standard pricing at that date.

● Changes in price;

STRATxAI reserves the right to change our pricing at any time, and with reasonable notice to our subscribers. At the end of the notice period, the user’s next billing period (i.e. monthly or annually) payment shall be at the revised price.

● Payment methods and security;

Payments are via credit or debit card and are handled by a third party payment service called Stripe. Payment information is not stored in STRATxAI’s systems.

● Cancellation;

Users can cancel their subscription at any time. Users shall not be entitled to a partial refund, however, at our sole discretion, we may choose to give users a partial refund. Users can cancel their subscription or delete their account by accessing the account settings tab of this Application. Alternatively, you can email us at hello.info@stratxai.com with a cancellation request.

● Refunds;

We offer a 14 day money back guarantee for all new subscribers from their billing date (first date of payment). Any refund requests following this 14 day period shall be at the sole discretion of STRATxAI.

● Subscription fees

If applicable, users authorise STRATxAI to automatically debit their credit card on their initial registration and then on each subsequent anniversary of their billing cycle (i.e. monthly), until cancelled.

● Sole use only

Users are unable to share access to their paid features unless explicitly approved under their subscription level.

SUBSCRIPTIONS

'Core' plans are Beginner, Established and Xplorer.

'Augmentations' or Add on plans are Connect, Xtra, Xpand and Xpert and require a user to have also subscribed to a Core plan.

With STRATxAI Beginner, Users get access to:

The full catalogue of ETF and Stock/Equity pre-built investment strategies. Select any Stock or ETF pre-built investment strategy and create a 1-click Paper portfolio up to a maximum of 3 portfolios. Access Xplore pro-tools to create, clone and save your own ETF or Stock investment strategy, up to a maximum of 1 saved ETF strategy and 1 saved Stock strategy. Backtest Xplore strategies up to a maximum of 3 backtests per month to be used across Xplore Stocks and ETFs. Apply up to a maximum of 3 Xplore strategy filters.

With STRATxAI Established, Users get access to:

Manual portfolio manager to trade alongside the stockbroker of your choice. Guided Manual market order execution and Manual rebalancing. View the full catalogue of ETF and Stock/Equity pre-built investment strategies and create an unlimited number of Manual portfolios and/or 1-click Paper portfolios. Fair usage applies. Combined Manual portfolio value allocation up to $100k. Access Xplore pro-tools to create, clone and save your own ETF or Stock investment strategy, up to a maximum of 1 saved ETF strategy and 1 saved Stock strategy. Backtest Xplore strategies up to a maximum of 3 backtests per month to be used across Xplore Stocks and ETFs. Apply up to a maximum of 3 Xplore strategy filters. Automated cryptocurrency investing with 2 Dollar Cost Averaging bots. Can  be used with Binance, Kraken, Kucoin and Coinbase Pro.

With STRATxAI Xplorer, Users get access to:

Complete access to Xplore pro-tools to create, clone, save and trade your own ETF or Stock investment strategy, up to a maximum of 5 saved ETF strategies and 5 saved Stock strategies. Backtest Xplore strategies up to a maximum of 25 backtests per month to be used across Xplore Stocks and ETFs. Apply up to a maximum of 3 Xplore strategy filters. Manual Portfolio manager to trade alongside the stockbroker of your choice. Guided Manual market order execution and Manual rebalancing. Combined Manual portfolio value allocation up to $100k. Create unlimited Manual portfolios and/or unlimited number of 1-click Paper portfolios from the full catalogue of pre-built stock and ETF strategies, or from your own saved Xplore strategies.  Fair usage applies. For as long as any saved Xplore strategy is linked to a portfolio it will not be available for editing nor for linking to an additional portfolio. Automated cryptocurrency investing with 2 Dollar Cost Averaging bots. Can be used with Binance, Kraken, Kucoin and Coinbase Pro.

With STRATxAI Connect, Users get access to:

Live trading with stockbroker integration available with Interactive Brokers and Alpaca  Markets. Users require a subscription to an Established or an Xplorer plan in order to add Connect.

With STRATxAI Xtra, Users get access to:

Automated cryptocurrency investing with an additional 10 Dollar Cost Averaging bots. The 10 DCA are in addition to users core subscription allowance which is: 0 DCA included with Beginner, 2 DCA included with Established, 2 DCA included with Xplorer.  Can be used with Binance, Kraken, Kucoin and Coinbase Pro.

With STRATxAI Xpand, Users get access to:

An increase on the existing portfolio value allowance above the Users existing subscription. Established and Xplorer plans include a $100k trading limit as standard. This is the combined value of assets across all of your current Manual Portfolios (and Live integrated portfolios if you have Connect). If the combined value of assets across your Manual and Live portfolios exceeds the limit you will neither be able to create new Manual or Live portfolios nor add cash to existing Manual or Live portfolios during rebalance, until you raise the account threshold by $100k with Xpand.

1-click Paper portfolios do not contribute to combined portfolio values.

Xpand is not available with Beginner plans.

With STRATxAI Xpert, Users get access to:

An additional 100 Backtests per month. The 100 backtests are in addition to users core subscription allowance which is: 3 backtests included with Beginner, 3 backtests included with Established, 25 backtests included with Xplorer. Backtest limits are reset each month. Unused backtests do not roll over.

An additional 3 Xplore filters. Core plans, Beginner, Established and Xplorer include a 3 factor limit as standard. With Xpert you can apply an additional 3 factors.

Incremental: If you augment by 2 Xpert per month you would increase your monthly limits by 200 and increase your factors by 6 and so on.

Payments

All payments will be charged through Stripe with the credit/debit card used at the time of the subscription. All plans are billed and priced monthly as follows; Beginner $0, Established $15, Xplorer $25, Connect $10, Xtra $10, Xpand $10 and Xpert $10. These prices are subject to change at the discretion of STRATxAI.

We offer users of the Application a 14-day money back guarantee. After this time, refunds will be at the sole discretion of STRATxAI.

Your subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the period. Your account will be charged for renewal within 24-hours prior to the end of the current period. You can manage your subscription in the accounts Settings tab of the Application.

STRATxAI Strategies are sample algorithms provided on the Application. It is imperative to understand the working of algorithms and how to use them. The Company is not promoting any instrument or technical indicator or strategy, this is a sample strategy which the User on his/her own accord may use. The Company is not responsible for any profits/losses which the User incurs on trades executed on the basis of strategies deployed in the market using The Application

ELIGIBILITY OF USE

You may not use the Services of this Platform if you, individually or as an entity who, if you are a resident of, or is seeking to access the Platform from, the following countries:

• Central African Republic
• DR Congo
• Cuba
• India
• Iran
• Iraq
• Lebanon
• Libya
• North Korea
• Russia
• Somalia
• South Sudan
• Sudan
• Syria
• Crimea
• Ukraine
• Venezuela
• Yemen

or if you are a person or entity embargoed or blocked by any government.

CONTACT US / COMPLAINTS

To contact us for assistance or to make a complaint, please email hello.info@stratxai.com or reach out via our contact page.

These Terms were last updated on 20 February 2023

ACCEPTANCE OF TERMS

By using the STRATxAI application, you confirm that you have read and understood these Terms. By doing so you acknowledge that you understand the conditions of use and agree to abide by them.

By accepting the Terms, this will certify that you have read the above Terms and that you understand and agree that:

• the reliability, accuracy or completeness of the Information on this Application is not guaranteed;
• nothing contained on this Application is deemed to be investment advice or an offer to buy or sell Shares;
• investments are subject to risk and can gain or lose money; and
• you are required to inform yourself that this Application may be lawfully accessed from your territory, country or jurisdiction of residence