Welcome! Please read these Ooln Terms of Service (the "Agreement") carefully.

This Agreement is a legally binding contract between you and Ooln, Inc. ("Ooln," "we," or "us"), a company registered in Delaware. By clicking or tapping any button marked "I Accept" or "I Agree," or by accessing and using the Services (as defined below), you agree to this Agreement and confirm that you are of legal age to enter into it.

This Agreement governs your access to and use of all services provided by Ooln via our online platform at ooln.com or any related domains, including our mobile application (the "Services"). This Agreement also incorporates by reference any additional terms posted by Ooln in connection with the Services.

These Terms and Conditions apply exclusively to Ooln's services related to options and stock trading on regulated securities exchanges within the United States. Future services related to cryptocurrency, sports betting, or other financial instruments will be governed by separate and distinct terms and conditions, subject to applicable local and international laws and licensing requirements, which may differ significantly from these Terms.

1. Trading and Financial Risk Disclaimer

1.1 No Financial Advice

Ooln provides AI-powered market analysis, trading insights, and content for informational and educational purposes only. We do not provide personalized financial advice, investment recommendations, or trading signals. We are not a registered investment advisor, broker-dealer, or financial planner. All trading decisions you make are solely your responsibility.

1.2 High-Risk Nature of Options Trading

Options trading involves extreme risk including:

• Total loss of investment: Options can expire worthless
• Rapid price movements: Values can change dramatically in minutes
• High volatility: Market conditions can shift instantly
• Leveraged exposure: Small market movements can result in significant losses
• Time decay: Options lose value rapidly as expiration approaches

1.3 AI-Generated Content Limitations

Our AI models analyze historical trading data and market patterns to provide insights. However:

• Past performance does not guarantee future results
• AI predictions may be inaccurate or incomplete
• Market conditions can change rapidly, making historical patterns irrelevant
• Our AI does not account for all market factors or individual circumstances

1.4 Your Responsibility

You acknowledge that:

• You understand the risks of options trading
• You will not trade with money you cannot afford to lose
• You will conduct your own research and due diligence
• You will consult with qualified financial professionals before making trading decisions
• All trading losses are your sole responsibility

2. AI Technology Disclaimer

2.1 AI-Powered Features

Ooln utilizes artificial intelligence and machine learning technologies to:

• Analyze market data and trading patterns
• Generate market insights and analytical patterns
• Provide content based on your trading history
• Deliver gamified trading experiences

2.2 AI Limitations and Risks

You acknowledge that our AI technology:

• May produce inaccurate, incomplete, or outdated information
• Cannot predict market movements with certainty
• May not account for all relevant market factors
• Is subject to technical errors, biases, and limitations
• Requires ongoing training and may improve or change over time

2.3 No Guarantees

We make no representations or warranties regarding:

• The accuracy of AI-generated insights or predictions
• The performance of trading opportunities identified by our AI
• The reliability or availability of AI-powered features
• Investment outcomes based on AI-generated content
• The suitability of any AI-generated insights or patterns for your individual investment needs or risk tolerance.

3. Permitted Use and Restrictions

3.1 Authorized Use

You may use our Services only for:

• Personal, non-commercial trading research and education
• Analyzing your own trading performance and history
• Accessing market insights and educational content
• Participating in gamified features as intended

3.2 Prohibited Uses

You agree NOT to:

• Use automated systems, bots, or scripts to access our Services
• Share your account credentials with others
• Attempt to reverse engineer our AI algorithms or proprietary technology
• Use our Services for illegal activities or market manipulation
• Violate any applicable securities laws or regulations
• Create multiple accounts to circumvent limitations
• Use our platform to provide investment advice to others

3.3 Company Name Usage

If you register using a company email address, you grant Ooln the right to publicly reference your company name in marketing materials, subject to your right to opt-out by contacting support@ooln.com.

4. User Eligibility and Account Requirements

4.1 Age and Legal Requirements

To use our Services, you must:

• Be at least 18 years old (or age of majority in your jurisdiction)
• Have legal capacity to enter into binding contracts
• Not be prohibited from trading securities under applicable law
• Comply with all local laws and regulations regarding options trading

4.2 Account Information

You agree to:

• Provide accurate, complete, and current information during registration
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized account access
• Update your information as needed to keep it current

4.3 Trading Experience Requirements

Our Services are designed for users with appropriate trading experience. You represent that you:

• Understand options trading principles and risks
• Have sufficient knowledge to evaluate trading opportunities
• Are financially capable of bearing potential losses

5. Privacy Policy

Your privacy is important to us. Our Privacy Policy, available at ooln.com/privacy, describes how we collect, use, and protect your personal information and trading data. By using our Services, you acknowledge that you have reviewed and accepted our Privacy Policy.

6. Fees, Subscriptions, and Cancellation

6.1 Free Trial

We may offer a free trial period for new users. During the trial:

• You have access to specified features and content
• You may cancel at any time without charge
• Your subscription will not automatically convert to paid unless you explicitly upgrade

6.2 Subscription Fees

After any free trial period, paid subscriptions:

• Are billed in advance on a recurring basis (monthly or annual)
• Automatically renew unless cancelled
• Are non-refundable except as required by law or specified herein

6.3 Cancellation

You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period, and you retain access through that period.

6.4 Price Changes

We may modify subscription pricing with reasonable advance notice. Price changes will not affect your current billing period but will apply to subsequent renewals.

7. User Content and Data

7.1 Your Trading Data

We may collect and analyze your trading history and platform usage to:

• Improve our AI algorithms and Services
• Provide personalized insights and recommendations
• Enhance platform features and user experience

7.2 User-Generated Content

Any content you submit (comments, feedback, suggestions) grants us a worldwide, royalty-free license to use, reproduce, and incorporate such content into our Services, subject to our Privacy Policy.

7.3 Data Security

While we implement security measures to protect your data, you acknowledge that no system is completely secure, and we cannot guarantee absolute security of your information.

8. Intellectual Property Rights

8.1 Ooln's Rights

All content, software, algorithms, trademarks, and intellectual property related to our Services are owned by Ooln or our licensors. You receive only a limited license to use our Services as specified in these Terms.

8.2 Proprietary AI Technology

Our AI models, algorithms, and trading analysis systems are proprietary and confidential. You agree not to:

• Attempt to reverse engineer or replicate our technology
• Use our insights to develop competing services
• Extract or copy our proprietary methodologies

8.3 User License

We grant you a limited, non-exclusive, non-transferable license to access and use our Services for personal use in accordance with these Terms.

9. Third-Party Services and Integrations

9.1 Market Data Providers

Our Services may integrate with third-party market data providers. Such integrations are governed by the providers' terms of service, and we are not responsible for the accuracy or availability of third-party data.

9.2 Brokerage Integrations

Ooln does not facilitate trade execution. You are solely responsible for executing trades with your chosen broker based on your own independent decisions. If we offer integrations with trading platforms or brokerages in the future:

• Such integrations are provided for convenience only
• We are not responsible for execution errors or platform issues
• You remain solely responsible for your trading decisions and account management

9.3 Third-Party Links

Our Services may contain links to third-party websites or services. We do not endorse or assume responsibility for third-party content or services.

10. Limitation of Liability

10.1 Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

10.2 Limitation of Damages

IN NO EVENT SHALL OOLN BE LIABLE FOR:

• Trading losses or investment damages of any kind
• Indirect, incidental, or consequential damages
• Lost profits, business opportunities, or data
• Damages resulting from AI-generated content or predictions
• Service interruptions or technical failures

10.3 Maximum Liability

Our maximum aggregate liability for all claims shall not exceed the amount you paid for our Services in the six months preceding the claim, or $100, whichever is greater.

10.4 Essential Terms

These limitations are essential elements of our agreement and apply even if we have been advised of the possibility of such damages.

11. Indemnification

You agree to defend, indemnify, and hold harmless Ooln and its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of our Services
• Your trading decisions or activities
• Your violation of these Terms or applicable law
• Your infringement of third-party rights
• Any content you submit to our platform

12. Termination

12.1 Termination by You

You may terminate your account at any time by canceling your subscription and ceasing use of our Services.

12.2 Termination by Ooln

We may suspend or terminate your access immediately if:

• You violate these Terms
• Your use creates legal risk for us
• We suspect fraudulent or unauthorized activity
• Required by law or regulatory authorities

12.3 Effect of Termination

Upon termination:

• Your right to access our Services ceases immediately
• Outstanding payment obligations become due
• We may delete your account data subject to our Privacy Policy
• Provisions that should survive termination will remain in effect

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms are governed by Delaware state law, without regard to conflict of law principles.

13.2 Binding Arbitration

Any disputes arising from these Terms or your use of our Services will be resolved through binding arbitration conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

13.3 Class Action Waiver

You agree to resolve disputes on an individual basis only. You waive any right to participate in class action lawsuits or class-wide arbitration against Ooln.

13.4 Exceptions

Small claims court actions and requests for equitable relief may be pursued in Delaware state or federal courts.

14. Compliance and Regulatory Matters

14.1 Securities Laws

You are responsible for complying with all applicable securities laws and regulations in your jurisdiction. Our Services do not constitute investment advice or recommendations under securities laws.

14.2 Tax Obligations

You are solely responsible for determining and fulfilling any tax obligations arising from your trading activities.

14.3 Regulatory Changes

We reserve the right to modify our Services to comply with changing regulatory requirements.

15. General Provisions

15.1 Changes to Terms

We may update these Terms at any time by posting revised terms on our website. Continued use of our Services constitutes acceptance of updated Terms.

15.2 Severability

If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions will continue in full force and effect.

15.3 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ooln regarding our Services.

15.4 No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other rights.

16. Contact Information

If you have questions about these Terms or our Services, please contact us at:

Last Updated: July 10, 2025