Terms of Service

1. Description of the Service

Cala provides market analysis, structured insights, news aggregation, and contextual information related to financial markets, including stocks, ETFs, cryptocurrencies, foreign exchange and commodities.

The Platform is designed to help users understand market data, news and trends. It is not designed to execute trades, manage investments, or act as a broker.

A2GROUP LLC is not a broker-dealer, is not an investment adviser, and is not a bank, money transmitter or custodian. We are not registered in any of those capacities, and nothing in the Platform creates a fiduciary, advisory or agency relationship between you and us. Output is general in nature, is not tailored to your financial situation, objectives, tax position or risk tolerance, and is provided for information and analysis only.

2. No Financial Advice

The Platform is provided for informational, educational and research purposes only. It does not provide investment advice, financial advice, trading advice, tax advice, legal advice or any other professional advice, and nothing in it is a recommendation, endorsement, offer or solicitation to buy or sell any security, digital asset or other financial product, or to adopt any investment strategy.

Nothing within the Service should be interpreted as:

• Personalized investment advice
• A recommendation to buy or sell any security
• A guarantee of performance or outcome

A2GROUP LLC is not a broker-dealer, is not a registered investment adviser, is not a bank, is not a money transmitter, and is not a fiduciary. We do not execute, route or place orders. We do not accept, hold, custody or transmit funds or securities. By using the Platform you agree that you are not entering into an advisory or fiduciary relationship with us.

We do not warrant that the Platform complies with the rules of the Financial Industry Regulatory Authority, the U.S. Securities and Exchange Commission, the Comisión Nacional del Mercado de Valores, or any other regulator or self-regulatory organization in any jurisdiction, and neither we nor our licensors are to be considered an “expert” under the U.S. Securities Act of 1933.

All investing involves risk, including the possible loss of the amount invested. Past performance does not guarantee or indicate future results. Any figure described as backtested, simulated or hypothetical is developed with the benefit of hindsight, does not reflect an actual portfolio or actual trading, and has inherent limitations.

You remain solely responsible for your own investment, trading, tax and financial decisions, and for evaluating the information you see here. Consider your own objectives, financial situation, risk tolerance and needs, and consult a qualified, licensed professional before acting.

3. No Execution, No Custody, No Discretionary Authority

Whatever data the Platform displays, and whether or not you have connected an external account, A2GROUP LLC:

• Does not place, route, transmit, modify or cancel orders, and the Platform contains no order-placement path;
• Does not hold, custody or control your cash, securities, crypto-assets or any other property — your assets remain with your broker, exchange or custodian at all times;
• Does not exercise discretionary authority or discretionary control over any account;
• Does not accept, hold or transfer funds on your behalf, and does not provide money transmission or payment services other than collecting subscription fees for the Platform itself;
• Does not manage portfolios on your behalf, and does not act as a broker, dealer, or investment adviser.

Portfolio, watchlist and allocation features are analytical tools for organizing and interpreting market data. Where those features display holdings retrieved from an account you have connected, they are a read-only reflection of data supplied by a third-party aggregator and are not an account, statement or record maintained by us. Your broker’s or exchange’s own records are the record of your holdings and govern in the event of any difference.

3A. Optional Brokerage and Exchange Connections

3A.1 What the feature is

The Platform offers an optional feature that lets you link an account you hold at a supported brokerage or crypto exchange so that your positions, balances and transaction history can be displayed and analyzed inside the Platform. Using the feature is entirely optional; the Platform is fully usable without it.

3A.2 Who performs the connection

The connection is performed by a third-party account-aggregation provider, SnapTrade, and not by us. When you start a connection, you are taken to SnapTrade’s own hosted connection portal and you authorize the connection directly with SnapTrade and with your broker or exchange. Your use of that flow is governed by SnapTrade’s terms and privacy policy in addition to these Terms.

3A.3 Read-only

Our software requests a read-only connection: the connection type is set to read access in our own code and is not user- or client-overridable, and the Platform provides no order-placement path. Read-only means viewing and analysis only. We do not place trades, move money, or change anything in your account.

3A.4 Credentials

We do not ask for, receive, or store your brokerage or exchange username, password, PIN, or multi-factor authentication codes. Those are entered in SnapTrade’s hosted portal. What we store is a per-user access secret issued to us by SnapTrade, encrypted at rest on our servers with AES-256-GCM, together with the account data described in our Privacy Policy. It is not your brokerage password, and on its own it is not usable — every request we make to SnapTrade is additionally signed with a key held only on our servers.

3A.5 Revoking the connection

You may disconnect at any time from within the app: you can remove a single linked broker, or remove the connection entirely. If our provider is temporarily unavailable, disconnection may not complete immediately; we retry and the connection is removed once it succeeds. Removing a single linked broker instructs SnapTrade to delete that broker authorization; removing the connection entirely instructs SnapTrade to delete the SnapTrade user record we hold for you. Either way we delete the associated accounts, positions, transaction history and value history that we hold for it. You may also revoke access from your broker’s or exchange’s own security settings, where your broker offers that control. Deleting your Platform account also removes any connection and the data synced through it.

3A.6 Third-party names

Brokerage and exchange names are the trademarks of their respective owners and are used only to identify services with which the Platform is compatible. Their use does not imply any affiliation, endorsement, sponsorship or partnership. Supported connections are listed as of the date shown and are subject to change.

3A.7 You direct the connection

When we retrieve information from your institution, we do so at your request, with your permission and on your behalf — not as an agent of, or on behalf of, the institution. The Platform is not sponsored, endorsed or reviewed by any brokerage, exchange or other institution. Nothing shown in the Platform is a statement of account, a confirmation, or an official record of your holdings. If you believe information is wrong, contact your institution — it is the source of record, and we cannot correct records we do not hold.

3A.8 The connection depends on parties we do not control

The availability, accuracy, completeness, timeliness, formatting and continued operation of the connection depend on SnapTrade and on each individual institution, and are outside our control. In particular:

• A connection may fail to establish, may stop working, may need to be re-authenticated, or may be suspended or withdrawn by SnapTrade or by your institution at any time, with or without notice to us;
• An institution may be added to or removed from the list of supported institutions at any time, and we may add, change, suspend or discontinue the connection feature or any individual integration at any time, without liability;
• Data may be delayed, stale, estimated, partial, mis-categorized, duplicated or absent; balances, positions, valuations, cost basis, currency conversions, corporate actions, dividends, fees and transaction history are frequently incomplete or lagging and may not reflect your most recent activity;
• Information is generally more current and more accurate when obtained directly from your institution than when displayed here.

We do not warrant that a connection will be established, will remain available, will refresh on any schedule, or will return complete or accurate data, and we do not endorse, control or assume responsibility for SnapTrade, any institution, or any information they provide. We are not responsible for any interaction between you and your institution. Statements about SnapTrade’s own systems, controls or security are SnapTrade’s representations, not ours.

3A.9 What we do commit to

We will: request no more than read access; take commercially reasonable steps to keep connections working and to refresh data on a regular schedule; show you, where we can, when data was last successfully refreshed; let you disconnect any institution at any time from inside the app; and delete the retrieved data on disconnection or account deletion, as described in our Privacy Policy. These are commitments about how we operate — they are not a promise that any connection or data set will be available, current, complete or correct.

4. Eligibility

You must be at least 18 years old to use the Platform. By using the Platform, you represent that you meet this requirement and that you are legally permitted to use the Service under applicable laws. If you are using the Platform on behalf of a company or organization, you represent that you have the authority to bind that entity to these Terms.

5. Account Registration

To access most features, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration.
• Maintain the security of your password and notify us immediately at contact@a2group.llc of any unauthorized access.
• Be solely responsible for all activity that occurs under your account.

We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe are being used fraudulently.

6. Subscriptions, Automatic Renewal, Cancellation, Withdrawal and Refunds

6.1 Who you are contracting with

Where you subscribe from our website, the Windows application or the downloadable macOS application, you are contracting with A2GROUP LLC, a limited liability company organised under the laws of the State of Wyoming, principal office 5830 E 2nd St, Ste 7000 #16007, Casper, WY 82609, USA. Payments on that channel are processed by Stripe and we are the merchant of record. Where you subscribe through the Apple App Store — including Cala on the Mac App Store and on iPad — Section 6.9 applies instead, and Sections 6.5 to 6.8 do not.

6.2 What you are buying

The Platform is offered on a freemium model. Paid plans are sold as recurring subscriptions, billed monthly or annually as selected at checkout. Before you subscribe, we show you the plan name, what it includes, the subscription period, the full price that will be charged at each renewal, and — if a free trial applies — the length of the trial and the price that will be charged when it ends. You must affirmatively agree to those terms before we or the store charge you. All fees are stated in US dollars unless shown otherwise at checkout and exclude any tax we are required to collect, which is added at checkout. Features available at each tier are described on our pricing page and are subject to change.

6.3 Automatic renewal

Your subscription renews automatically at the then-current price for successive periods of the same length, and continues until you cancel. You authorize us and our payment processor, or the app store you purchased through, to charge the payment method on your account at the start of each period until you cancel.

6.4 Free trial

Where a free trial is offered, you must provide a valid payment method to start it. Unless you cancel before the trial ends, your subscription begins automatically at the end of the trial, at the price disclosed when you signed up, and the first charge is taken then. The trial and the paid subscription form a single contract, concluded when you start the trial. You can cancel at any point during the trial without being charged, using the method for the channel you signed up through.

6.5 How you cancel

You may cancel at any time, without giving any reason, from the Subscription section of Settings inside the application or on our website, using the same account you used to subscribe. You may also cancel by emailing contact@a2group.llc. Cancellation takes effect at the end of the period you have already paid for; your access continues until that date and you are not charged again. Deleting the application, or deleting your account, does not by itself cancel a subscription — use the cancellation control.

6.6 Refunds — what we do not offer

Except as required by Section 6.8, by Section 6.12, or by a mandatory legal right that applies to you, all payments are non-refundable and no credit is given. Without limiting that: we do not give refunds or credits for any unused part of a period; we do not give pro-rata refunds on cancellation; we do not give credits for periods in which you did not use the Platform; we do not refund on grounds of dissatisfaction, change of mind, or having subscribed by mistake or in duplicate; we do not give retroactive credits after a price reduction or promotion; and we do not give refunds or credits for downgrading a plan mid-period. Any refund we do issue as a matter of discretion is made once, is not an admission, and creates no entitlement or precedent.

6.7 Subscriptions are personal

Your subscription and your account are personal to you and are for one named individual. They may not be sold, assigned, transferred, gifted, shared or resold.

6.8 Right of withdrawal — consumers in the European Union, the EEA and the United Kingdom (direct purchases only)

(a) This section applies only where you purchased directly from A2GROUP LLC — our website, the Windows application, or the downloadable macOS application. It does not apply to purchases through the Apple App Store; see Section 6.9.

(b) If you are a consumer habitually resident in the European Union, the European Economic Area or the United Kingdom, you have the right to withdraw from this contract within 14 days, without giving any reason. The period runs from the day the contract is concluded. Where your subscription begins with a free trial, the contract is concluded — and the 14 days begin — on the day you start the free trial, not on the day of the first charge.

(c) To withdraw, you need only tell us. You may use the model withdrawal form, or send any clear statement to contact@a2group.llc, or write to A2GROUP LLC, 5830 E 2nd St, Ste 7000 #16007, Casper, WY 82609, USA. You do not need to give a reason and we will not ask you for one. It is enough that you send your communication before the 14 days expire.

(d) If, at checkout, you expressly requested that we begin providing the Platform immediately, during the withdrawal period, and acknowledged that you would lose the right of withdrawal once the service has been fully performed, then if you withdraw within the 14 days you must pay us an amount in proportion to the service provided up to the moment you inform us of your withdrawal, calculated on the total price agreed for the billing period. We will refund the balance within 14 days of receiving your withdrawal, using the same means of payment you used, at no cost to you. If you did not make that express request, or we did not obtain it correctly, no amount is due from you and we will refund in full.

(e) The 14-day period is the period the law requires. We do not offer any withdrawal, cooling-off, money-back, satisfaction or refund period beyond it.

(f) This section does not affect your other statutory rights, including your conformity rights under Directive (EU) 2019/770, the Consumer Rights Act 2015 and Real Decreto Legislativo 1/2007.

6.9 Purchases through the Apple App Store

Where you purchased or subscribed through the Apple App Store (including on Mac, iPad or iPhone), your purchase contract is with Apple, which is the seller and merchant of record — not with A2GROUP LLC. Your purchase is governed by the Apple Media Services Terms and Conditions and by Apple’s own billing, renewal, cancellation and refund rules, which apply instead of Sections 6.5 to 6.8.

Renewal and cancellation are managed in your Apple ID account. Your subscription renews automatically unless you turn off auto-renew at least 24 hours before the end of the current period, and your Apple ID is charged for renewal within 24 hours before the period ends. To cancel, open Settings → your name → Subscriptions on your device, or visit apps.apple.com/account/subscriptions. Cancelling stops future renewals; access continues to the end of the period already paid for. Any unused part of a free trial is forfeited when you purchase a subscription, where Apple’s terms so provide.

Refunds for App Store purchases are decided by Apple in its sole discretion. A2GROUP LLC has no technical or contractual ability to issue, refuse, reverse or condition an Apple refund, and does not process them. Requests must be made to Apple at reportaproblem.apple.com. We will tell you where to make a request if you ask, but we cannot make it for you and cannot influence the outcome.

Apple as third-party beneficiary. Apple is not a party to these Terms, is not responsible for the Platform or its content, and has no obligation to furnish maintenance or support. Apple Inc. and its subsidiaries are third-party beneficiaries of these Terms as they apply to your use of a macOS, iOS or iPadOS application, and may enforce them against you. You represent that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not on any U.S. Government list of prohibited or restricted parties.

6.10 Price changes

We may change the price of a subscription for future periods. We will notify you at least 30 days before the change takes effect. Where the change is an increase, it will not apply to you unless you agree to it or continue after being given a clear opportunity to cancel without the increase applying; if you cancel before the change takes effect, you are not charged the new price. Notice is given as described in Section 18. For subscriptions billed through the Apple App Store, Apple’s own price-change consent process applies instead.

6.11 Failed payments and payment disputes

If a payment fails, is reversed, charged back or disputed, we may retry the payment, and we may suspend or terminate access until the amount is paid. Amounts already accrued remain payable.

If you believe a charge is wrong, contact us first at contact@a2group.llc; we will review it promptly. You agree to give us a reasonable opportunity to resolve the matter before initiating a chargeback or payment dispute with your bank or card issuer. This does not limit any right you have to dispute a charge with your issuer, which is unaffected by these Terms. Where a dispute is raised, we may provide the card network and your issuer with our records of the transaction, including the terms you accepted, the consents you gave, the times and dates of those consents, and your access logs.

6.12 Your statutory rights

Nothing in this Section limits or excludes any right you have under mandatory consumer law, including the conformity rights under Directive (EU) 2019/770, the Consumer Rights Act 2015 and Real Decreto Legislativo 1/2007, where the Platform is not as described or does not work as it should.

7. Acceptable Use

You may use the Platform only for your own lawful, personal, non-commercial informational and research purposes, and only through the interfaces we provide. You will not, and will not permit, assist or encourage anyone else to:

1. use the Platform in violation of any applicable law or regulation, including securities, market-abuse, sanctions, export-control, tax, anti-money-laundering and data-protection law;
2. use any robot, spider, crawler, scraper, harvester, headless browser, script, or other automated or manual device or process to access, retrieve, index, data-mine, monitor, copy or reproduce the Platform or any part of its content, except through an interface we expressly authorise in writing and within any limits we set;
3. use the Platform, its content, Market Data, AI Output, prompts, responses, embeddings, model behaviour, or any observation of them, to train, fine-tune, evaluate, benchmark, distil, ground, retrieval-augment or otherwise develop any machine-learning or artificial-intelligence model, dataset, agent or system, whether or not it competes with us, and whether directly or by supplying any of the foregoing to a third party for that purpose;
4. sell, resell, rent, lease, sublicense, syndicate, redistribute, republish, broadcast, publicly display, or otherwise make the Platform, Market Data or AI Output available to any third party, or use them to provide a service to a third party;
5. use Market Data or AI Output to create any index, benchmark, rating, signal, model, trading system, financial or investment product, or any service that competes with the Platform; or in connection with your professional activities as a broker, dealer, investment adviser, fund, family office or other financial intermediary;
6. share, transfer, sell or make available your account, credentials, licence, session or subscription to any other person; each subscription is for one named individual and may not be used by more than one person, and we may terminate accounts showing use inconsistent with a single individual;
7. circumvent, disable, degrade or interfere with any usage limit, rate limit, quota, paywall, entitlement check, licence check, plan tiering, geographic restriction, security feature or access control, or access any feature or tier you have not paid for; or use multiple accounts, trials or identities to obtain benefits you are not entitled to;
8. reverse engineer, decompile, disassemble, decrypt, or attempt to derive the source code, model weights, prompts, system instructions, trade secrets, or underlying ideas or algorithms of any part of the Platform, except and only to the extent that restriction is prohibited by applicable law and, in the European Union, only after you have requested the necessary interoperability information from us and we have failed to supply it (Directive 2009/24/EC, Article 6);
9. attempt to extract, elicit or reproduce our system prompts, agent instructions, tool definitions or internal configuration, or to induce the Platform to bypass its own safeguards;
10. probe, scan or test the vulnerability of the Platform, or breach or circumvent any security or authentication measure, other than under a written authorisation from us; good-faith security research may be reported to contact@a2group.llc and we will not pursue claims against research conducted within a scope we have agreed with you in writing;
11. upload or transmit malware, or interfere with, overload or impair the Platform or the infrastructure serving it;
12. remove, obscure or alter any proprietary notice, attribution, watermark or disclaimer;
13. use the Platform to harass, defame, defraud, impersonate or harm any person;
14. rely on the Platform to buy or sell any security, digital asset, commodity or derivative, or to give or receive advice about securities, commodities, derivatives, taxes or financial planning — we are not a broker-dealer and not a registered investment adviser, we do not execute orders, we do not hold custody of any asset, and we do not move money;
15. submit to the Platform any material non-public information about any issuer, any third party’s confidential or proprietary information, payment card numbers, government identification numbers, health or biometric data, or authentication credentials.

We may impose, vary and enforce rate limits, quotas, fair-use limits and technical restrictions at any time, and may throttle, block or suspend access that exceeds them or that we reasonably believe is automated, shared or abusive. Item 8 above is stated to the maximum extent applicable law allows and is limited accordingly where it is not. You understand that market data may be delayed, incomplete, or subject to change.

8. Third-Party Data, Market Data, Providers and AI Output

8.1 Everything the Platform shows depends on third parties

Market data, reference data, news, corporate and regulatory filings, public disclosures, brokerage and exchange data, and AI output are obtained from, generated by, or dependent on third-party providers, exchanges, venues, aggregators and model providers. We are a consumer of those services, not their source.

8.2 No warranty of accuracy, timeliness or continuity

We do not warrant, and expressly disclaim any warranty as to, the accuracy, completeness, correctness, currency, timeliness, sequencing, or fitness for any purpose of any data or output made available through the Platform. Data may be delayed, adjusted, restated, incomplete, out of order, or simply wrong at the source, and errors may propagate into anything the Platform derives from it, including charts, metrics, analytics and AI-generated text.

8.3 Availability is outside our control

Any provider, exchange, broker or aggregator may change, degrade, rate-limit, suspend, restrict, re-price, or discontinue its service, in whole or in part, at any time and without notice to us. Where that happens, features that depend on it may be delayed, reduced, unavailable or withdrawn. We do not guarantee continuous availability of any data set, feed, integration or feature, and we are not liable for a third party’s acts, omissions, outages, errors or discontinuation.

8.4 Connections may break

A brokerage or exchange connection may stop working at any time — for example, because the broker or exchange changes or withdraws access, the aggregator changes or withdraws support for that institution, an authorization expires, or credentials or security settings change on your side. A connection may also stop refreshing without an obvious error. We do not guarantee that a connection will be established, will keep working, or will remain supported.

8.5 You must verify against your broker’s records

Holdings, balances, cost basis, transaction history and performance figures displayed in the Platform are derived from data supplied by third parties and may be delayed, incomplete, mis-mapped, mis-priced, converted at a different exchange rate, or otherwise different from your account’s actual state. The statements, confirmations and account records issued by your broker, exchange or custodian are the records of your account and govern. You must verify against those records before relying on any figure shown in the Platform, and you should not use Platform figures for tax, accounting, regulatory or legal purposes.

8.6 Market data and restrictions on its use

Prices, quotes, fundamentals, estimates, filings, news, calendars, technical indicators and other market information made available through the Platform (“Market Data”) are obtained from our data vendors, licensors, exchanges and other third-party sources. Market Data is provided “as is” and “as available.” Neither we nor our data vendors and licensors guarantee the accuracy, completeness, timeliness, sequence, reliability, availability or continued provision of any Market Data. Market Data may be delayed, interrupted, corrected, revised, restated or discontinued without notice, and prices shown may not be the prices at which any transaction could be executed. Market Data is not developed or endorsed by us, and it is not a recommendation or solicitation.

You may use Market Data and AI Output only for your own personal, non-commercial informational and research purposes. You may not sell, license, redistribute, resell, republish, transmit, scrape, systematically download, reproduce, create derivative databases from, or otherwise repurpose Market Data or AI Output, and you may not use them to create indices, benchmarks, financial or investment products, trading systems, models, or any service that competes with the Platform. You may not use Market Data in connection with your professional activities, including any activity as a broker, dealer, investment adviser or other financial intermediary. Where we make programmatic access available, the same restrictions apply to everything obtained through it. Your use of Market Data is also subject to the applicable provider’s terms.

8.7 AI-generated output

What it is. Parts of the Platform use automated systems, including large language models, to generate text, summaries, explanations, classifications, comparisons, calculations, projections and other output in response to your prompts or to market events (“AI Output”). We use third-party model providers to do this (currently including xAI and OpenAI).

AI Output can be wrong. AI Output may be inaccurate, incomplete, outdated, misleading, internally inconsistent, speculative or inappropriate for your circumstances. You acknowledge and agree that:

• AI Output may contain factual errors, mathematical errors, market-data errors, interpretation errors, citation errors and unsupported assumptions;
• AI Output may not reflect the most recent information, market conditions, company announcements, analyst updates, corporate actions or regulatory developments, and the same question asked twice may produce different answers;
• AI Output may be similar or identical to output generated for other users, and is not guaranteed to be unique, proprietary, accurate, complete, timely, reliable, suitable or fit for any particular purpose;
• You are responsible for independently verifying any AI Output — including any number, price, date, figure or quotation it contains — before using or relying on it, against a primary source and, for anything concerning your own account, against your broker’s own records.

To the fullest extent permitted by law, we are not responsible for any action you take, or do not take, based on AI Output. AI Output is not investment, legal, tax or accounting advice, is not a recommendation to buy or sell anything, is not a forecast or a promise of any outcome, and is subject to Section 2. Investing involves risk, including the loss of principal.

Your prompts. You are responsible for the prompts, questions, files, data and other materials you submit (“User Input”). Do not submit confidential or proprietary information belonging to others, payment card numbers, government identification numbers, health or biometric data, authentication credentials, trade secrets, or material non-public information about any issuer. Do not attempt to cause the Platform to produce personalized financial advice or specific buy or sell recommendations, and do not use the Platform to build or train a competing model or service.

How we handle it. We send User Input to our model providers to generate AI Output. We do not use your conversations to train or fine-tune general-purpose models, and we do not permit our model providers to do so. Retention and deletion of conversation data are described in our Privacy Policy, including deletion when you delete your account.

8.8 No reliance

You acknowledge that investment decisions involve significant risk, including the potential loss of principal. You should not make investment decisions based solely on information provided by the Platform.

8.9 Third-party services, links and content

The Platform displays, links to, embeds or interoperates with content, data, feeds, news, filings, websites, applications, stores and services operated by third parties, including market-data vendors, exchanges, news publishers, AI model providers, payment processors, the account-aggregation provider, brokerages, cryptocurrency exchanges and application stores. We do not control, endorse, verify, adopt, sponsor or assume any responsibility for any third-party service or content, or for its accuracy, legality, availability, security, pricing or privacy practices. Your dealings with any third party are solely between you and that third party, your use of any third-party service is governed by that third party’s own terms and privacy policy, which you should read, and we are not a party to and not responsible for those dealings. Following a link or enabling an integration is at your own risk. We may add, change, restrict or remove any third-party integration at any time without notice and without liability.

9. Public Congressional Disclosures

The Platform displays publicly reported congressional disclosures as filed under the STOCK Act. This data is sourced from official public records. It reflects disclosed transactions and is provided for informational purposes only. We make no representation that disclosed transactions indicate any impropriety or constitute investment signals.

10. Intellectual Property, Your Content and Feedback

10.1 Our intellectual property; your licence

The Platform — including all software, source and object code, models, prompts, agent configurations, tool definitions, data pipelines, databases, screens, layouts, designs, text, graphics, charts, methodologies, analytics, AI Output, documentation, and the A2GROUP, Cala and Cala Terminal names and logos — is owned by A2GROUP LLC or its licensors and is protected by copyright, trademark, trade-secret, database and other laws. All rights not expressly granted are reserved. No licence is granted by implication, estoppel or otherwise.

Subject to your compliance with these Terms and payment of applicable fees, we grant you a personal, limited, revocable, non-exclusive, non-transferable, non-assignable, non-sublicensable licence, for one named individual only, to access and use the Platform and to view AI Output and Market Data, solely for your own personal, non-commercial informational and research purposes, for as long as your subscription is active. This licence terminates automatically on expiry or termination of your subscription or of these Terms.

10.2 Your content

You retain ownership of the content you submit — watchlists, holdings you enter, notes, preferences, files, prompts and other materials (“User Content”). You grant us and our service providers a worldwide, non-exclusive, royalty-free, fully paid-up, sublicensable (solely to our service providers and model providers for the purposes below) and transferable licence to host, store, cache, copy, reproduce, process, transmit, transform, display and otherwise use User Content solely to: operate, secure and provide the Platform to you; generate AI Output in response to your requests; comply with law; and detect and prevent fraud, abuse and security incidents. This licence ends when you delete the User Content or your account, except for copies retained in routine backups and as required by law, as described in our Privacy Policy.

We do not use User Content to train or fine-tune general-purpose AI models, and we do not permit our model providers to do so.

You represent and warrant that you own or have all rights necessary to submit your User Content and to grant this licence, and that it does not infringe any third-party right or violate any law. We may remove, restrict or refuse any User Content at any time, and we have no obligation to store, back up or return it.

10.3 Feedback

If you send us any feedback, suggestion, idea, improvement, feature request, bug report, review, or other material about the Platform (“Feedback”), you assign to us all right, title and interest in and to that Feedback, including all intellectual-property rights, and you waive any moral rights in it to the extent permitted by law. To the extent that assignment is ineffective for any reason, you grant us a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, transferable, sublicensable licence to use, copy, modify, adapt, publish, distribute, disclose and otherwise exploit the Feedback for any purpose, commercial or otherwise, without restriction, attribution, accounting or compensation to you. Feedback is not confidential, we are under no obligation to keep it confidential, act on it or respond to it, and you have no claim arising from our use of it or from our independent development of anything similar.

10.4 Third-party data

Market data provided through the Platform is licensed from third-party data providers. Your use of this data is subject to their terms and may not be redistributed or used for commercial purposes outside the Platform.

11. Disclaimer of Warranties; Availability; Beta Features

11.1 Disclaimer of warranties

The Platform, all data, all Market Data and all AI Output are provided “as is”, “as available” and with all faults and defects, without warranty of any kind, express, implied or statutory. To the maximum extent permitted by law, A2GROUP LLC and its licensors, suppliers and data vendors disclaim all warranties, including the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, quiet enjoyment, and any warranty arising from course of dealing, course of performance or usage of trade.

We do not warrant that the Platform will be uninterrupted, timely, secure, error-free or free of harmful components; that defects will be corrected; that any data, price, quote, holding, metric, calculation, calendar entry, news item or AI Output will be accurate, complete, current, correctly sequenced or uninterrupted; that any brokerage or exchange connection will be established, maintained, refreshed on any schedule or continue to be supported; or that use of the Platform will produce any particular financial, tax or investment result.

We do not warrant against loss of, or damage to, any data, and you are responsible for maintaining your own copies of anything you consider important.

No advice or information, whether oral or written, obtained from us or through the Platform, creates any warranty not expressly stated in these Terms.

Nothing in this section excludes or limits any warranty, guarantee or liability that cannot lawfully be excluded or limited under the mandatory consumer law applicable to you, including the statutory conformity guarantee under Directive (EU) 2019/770, the Consumer Rights Act 2015 and Real Decreto Legislativo 1/2007.

11.2 Availability; changes to the Platform

We do not commit to any service level, uptime percentage, latency, refresh interval, data-delay window, support response time or availability window, and we make no availability commitment of any kind. The Platform may be unavailable or degraded for maintenance, upgrades, capacity, security, or reasons outside our control.

We may add, change, improve, degrade, limit, rate-limit, suspend, withdraw or discontinue the Platform or any part, feature, integration, data set, market, symbol, exchange, instrument, language, platform, device, operating system, store or third-party connection, at any time, without notice and without liability to you.

Where a change permanently removes a material feature of a paid plan you are then subscribed to, your sole and exclusive remedy is to cancel, in which case your subscription will not renew and access continues to the end of the period you have already paid for. Except as required by mandatory consumer law, no refund or credit is due.

11.3 Beta, preview and experimental features

We may make features available on a beta, preview, early-access, pilot, trial or experimental basis, whether or not we label them as such. Those features are provided “as is” and “as available”, may be incomplete, unstable, unsupported and inaccurate, may not perform as described, may change materially, and may be limited, suspended or withdrawn at any time without notice and without liability, whether or not they were included in the plan you purchased. We have no obligation to support, maintain, correct, continue or commercialise any such feature, or to preserve any data created in it. No availability, accuracy or continuity commitment applies to them, and to the maximum extent permitted by law we have no liability arising from your use of them. Where a feature is offered subject to additional terms, those additional terms also apply.

12. Limitation of Liability

To the maximum extent permitted by law, A2GROUP LLC and its officers, members, employees, agents, contractors, suppliers and licensors will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, trading gains, investment returns, data, goodwill or business opportunity, arising out of or relating to the Platform, whether based in contract, tort (including negligence), strict liability or any other theory, and whether or not we have been advised of the possibility of such damages.

Without limiting the paragraph above, we are not liable for losses arising from: (a) any inaccuracy, error, omission, delay, interruption or discontinuation in market data or other information made available through the Platform; (b) any output generated by artificial-intelligence features; (c) the acts, omissions, availability or performance of any third-party service, data source, financial institution or aggregation provider, including any failure of a brokerage or exchange connection to establish, refresh, or return complete data, and any difference between what the Platform displays and your broker’s own records; (d) any investment, trading, tax or other financial decision you make; or (e) any unauthorized access to your account that did not result from our failure to use reasonable care.

Your use of the Service is at your own risk. Our total aggregate liability for all claims arising out of or relating to the Platform or these Terms will not exceed the greater of (a) the amounts you actually paid us for the Platform in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred United States dollars (US$100).

These limitations apply even if a limited remedy fails of its essential purpose, and are an essential basis of the bargain between you and us.

Nothing in these Terms limits or excludes our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; gross negligence or willful misconduct; any violation of law, whether willful or negligent; or any other liability that cannot lawfully be limited or excluded, including any non-waivable rights you have as a consumer under the law of your country or state of residence.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you.

13. Indemnification

You will defend, indemnify and hold harmless A2GROUP LLC and its members, managers, officers, employees, contractors, agents, suppliers and licensors (the “Indemnified Parties”) from and against any and all third-party claims, demands, actions, proceedings, investigations, losses, liabilities, damages, judgments, settlements, fines, penalties, costs and expenses (including reasonable attorneys’ fees and costs of investigation) arising out of or relating to: (a) your use of or access to the Platform; (b) your breach or alleged breach of these Terms; (c) your violation of any applicable law or regulation, including securities, market-abuse, tax, sanctions, export-control and data-protection law; (d) your violation or misappropriation of any right of any third party, including intellectual-property, privacy and publicity rights; (e) any account you connect to the Platform, your authorization of that connection, and your compliance with your institution’s own terms; (f) any User Content or input you submit; and (g) any investment, trading, tax or financial decision you make or fail to make.

We will notify you of any claim for which we seek indemnification, though a failure or delay in notifying you relieves you of your obligations only to the extent you are materially prejudiced by it. We may, at our option and at your expense, assume the exclusive defence and control of any such matter, and you will cooperate fully with that defence. You will not settle any matter in a way that imposes any obligation, admission, payment or restriction on any Indemnified Party without our prior written consent. This section survives termination.

This section does not apply to the extent it is unenforceable against you under the mandatory consumer-protection law applicable to you.

14. Termination and Survival

14.1 By you

You may stop using the Platform at any time. To stop being billed, cancel in the channel you purchased through — see Section 6.5 (direct purchases) or Section 6.9 (Apple App Store). Cancellation takes effect at the end of the period you have already paid for; access continues until then. Deleting the application, or deleting your account, does not cancel a subscription.

14.2 By us, for cause

We may suspend or terminate your account or access, in whole or in part, immediately and without prior notice, if we reasonably determine that: you have breached these Terms; your use is unlawful, fraudulent, abusive, or creates risk or possible legal exposure for us, for another user or for a third party; you have circumvented usage limits, rate limits, entitlement checks or access controls, or shared or resold access; a payment has failed, been reversed, charged back or disputed; you are or become subject to sanctions or are located in a restricted jurisdiction; or we are required to act by law, by a regulator, by a data or market-data licensor, or by a store or platform operator. Where we terminate for cause, no refund, credit, pro-rata payment or compensation of any kind is due for the remainder of the period and any unused portion is forfeited, except where mandatory consumer law provides otherwise.

Where the breach is capable of cure and does not present urgent risk, we will use reasonable efforts to notify you and allow a reasonable opportunity to cure before terminating — we are not required to do so before suspending.

14.3 By us, for convenience

We may discontinue the Platform or any plan generally. We will not terminate a paid subscription for convenience during a period you have already paid for; instead we will stop the subscription from renewing and your access will continue to the end of that period. Except as required by mandatory consumer law, that is your sole and exclusive remedy and no refund or credit is due.

14.4 Effect of termination

On termination your licence and right of access end immediately, and we may deactivate or delete your account and content in accordance with the Privacy Policy. Termination does not relieve you of any payment obligation accrued before termination.

14.5 Survival

Any provision that by its nature should survive termination or expiry will survive, including, without limitation and by way of illustration only: the nature-of-the-service and no-advice provisions; no execution, no custody and no discretionary authority; the brokerage- and exchange-connection provisions; third-party data, Market Data and AI Output and all restrictions on their use; acceptable use; intellectual property, the licence restrictions, the feedback licence and the user-content representations; any fees accrued or payable before termination, and the refund provisions; the disclaimer of warranties; the limitation of liability; indemnification; export control and sanctions; the contractual limitations period; governing law and venue; dispute resolution and the class-action waiver; notices; and the Miscellaneous section. The enumeration above is illustrative and does not limit the general rule stated in the first sentence.

15. Changes to These Terms and to Prices

We may update these Terms. Each version carries two dates at the top of the page: Effective, the date the current version takes effect, and Last updated, the date it was last changed. Where a change is material — including a change to fees, to the nature of the Service, to how brokerage connections work, to the limitation of liability, to the Governing Law section or to the Dispute Resolution section — we will give you at least 30 days’ advance notice before it takes effect, by email to the address on your account and, where practicable, by an in-app notice, in a form you can retain. Non-material changes (for example, corrections and clarifications) take effect when posted, and we will update the “Last updated” date.

Changes take effect on the Effective date shown, and continued use of the Platform after that date is acceptance of the updated Terms. If you do not accept a change, stop using the Platform and cancel your subscription before the Effective date — see Section 6.

Price changes. We will notify you at least 30 days before a price change takes effect. Where the change is an increase, it will not apply to you unless you agree to it or continue after being given a clear opportunity to cancel without the increase applying — see Section 6.10. For subscriptions billed through the Apple App Store, Apple’s own price-change consent process applies instead.

Prior versions. We keep superseded versions of these Terms and of the Privacy Policy on file, and will provide the version in force on a given date on request to contact@a2group.llc.

16. Governing Law and Venue

A2GROUP LLC is a limited liability company organised under the laws of the State of Wyoming, with its principal office at 5830 E 2nd St, Ste 7000 #16007, Casper, WY 82609, USA. These Terms and any dispute arising out of or relating to them or to the Platform are governed by the laws of the State of Wyoming, United States, excluding its conflict-of-laws rules and excluding the United Nations Convention on Contracts for the International Sale of Goods.

Subject to Section 17, any dispute will be brought exclusively in the state or federal courts located in Natrona County, Wyoming, and each party consents to the personal jurisdiction and venue of those courts.

If you are a consumer habitually resident outside the United States, this section does not deprive you of the protection of the mandatory provisions of the law of the country where you live, or of your right to bring proceedings in the courts of that country.

17. Dispute Resolution — Please Read Carefully. This Section Affects Your Legal Rights.

This section requires you to contact us first and try to resolve a dispute informally. It also provides that claims may be brought only in an individual capacity, and waives your right to participate in a class action and your right to a jury trial.

17.1 Informal resolution first

Before starting a lawsuit, you and we each agree to send the other a written Notice of Dispute describing the claim and the relief sought — to us at contact@a2group.llc, and to you at the email address on your account — and to try in good faith to resolve it informally for at least thirty (30) days. This step is a condition of starting a proceeding, and the limitations period on your claim is tolled while it runs.

17.2 Small claims, injunctive relief and intellectual property

Nothing here prevents either party from: (a) bringing an individual action in small-claims court for any claim that qualifies; (b) seeking injunctive or other equitable relief in any court of competent jurisdiction, including to stop unauthorized access to or misuse of the Platform; or (c) bringing a claim for infringement or misappropriation of intellectual property.

17.3 Class-action and jury waiver

You and A2GROUP LLC each agree that claims may be brought only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, coordinated, mass or representative proceeding. You and A2GROUP LLC each waive any right to trial by jury.

If the class-action waiver is held unenforceable as to any claim, that claim proceeds in court without the waiver, and the rest of this section, including the jury waiver, continues to apply to that claim and to all other claims.

17.4 Consumers outside the United States

If you are a consumer habitually resident outside the United States, Section 17.3 does not apply to you, and nothing in these Terms deprives you of the protection of the mandatory consumer-protection rules of the country where you live, or of your right to bring proceedings in, or to be sued in, the courts of that country. Nothing in these Terms affects any legal rights you have as a consumer under local law that cannot be contractually altered or waived.

17.5 Changes to this section

If we change this section, the change does not apply to any dispute for which a Notice of Dispute was already sent, and you may reject the change by written notice to contact@a2group.llc within thirty (30) days.

17.6 Time limit for bringing claims

To the maximum extent permitted by applicable law, any claim or cause of action arising out of or relating to the Platform or these Terms must be commenced within ONE (1) YEAR after the claim or cause of action accrues, or it is permanently barred. A claim accrues when the claimant knew, or with reasonable diligence should have known, of the acts or omissions giving rise to it. The 30-day informal-resolution period required by Section 17.1 tolls this period while it runs.

This subsection does not apply, and the otherwise applicable statutory period applies instead, to: (a) any claim by a resident of a state whose law prohibits contractual shortening of a limitations period, including Alabama, Florida, Idaho, Louisiana, Mississippi, Missouri, Montana, Oklahoma, South Carolina and South Dakota; (b) any consumer habitually resident outside the United States; (c) any claim that applicable law does not permit to be shortened by agreement, including claims under statutes that expressly fix a limitations period; and (d) claims for fraud, or for death or personal injury caused by negligence.

18. Notices and Electronic Communications

18.1 Consent to electronic communications

You consent to receive from us electronically all agreements, notices, disclosures, statements, receipts, invoices, legal and regulatory communications and other records that we are required to provide to you in writing (“Communications”), and you agree that electronic delivery satisfies any legal requirement that a Communication be in writing, be signed, or be delivered in a durable form. You agree that clicking “I agree”, “Subscribe”, “Start trial”, “Continue” or a similar control constitutes your electronic signature and is legally binding, and you waive any right to require a handwritten signature to the extent permitted by law.

18.2 Hardware and software

To receive and retain Communications you need a device with internet access, a current browser or our application, a working email address, and the ability to view and save PDF and HTML files.

18.3 How we notify you

We may give notice by: (a) email to the address on your account; (b) an in-application message or banner; (c) a push notification; or (d) posting on the relevant product website. Notice is deemed given: by email, on the day sent, unless we receive a bounce; by in-application message, when first displayed to you; by posting, on the day posted. You are responsible for keeping your email address accurate and current and for ensuring our messages are not blocked or filtered; notice is effective even if you do not read it, provided we sent it to the address on your account.

18.4 How you notify us

Except where these Terms specify a different address, legal notices to us must be sent to contact@a2group.llc and, for any Notice of Dispute or notice of claim, also by post to A2GROUP LLC, 5830 E 2nd St, Ste 7000 #16007, Casper, WY 82609, USA. Notice to us is deemed given on actual receipt.

18.5 Withdrawing consent

You may withdraw consent to electronic Communications, or request a paper copy, by writing to the postal address above; because the Platform is delivered electronically, withdrawing consent means we may terminate your account and your subscription will not renew. We may charge a reasonable fee for paper copies where permitted by law. This paragraph does not affect service messages required to operate your account while it is open.

19. Export Control and Sanctions

The Platform, and any software and technology we make available, are subject to United States export-control and economic-sanctions laws, including the Export Administration Regulations and the sanctions programs administered by the U.S. Department of the Treasury’s Office of Foreign Assets Control (“OFAC”), and may also be subject to the export and sanctions laws of other jurisdictions.

You represent and warrant, on each day you use the Platform, that: (a) you are not located in, ordinarily resident in, or organised under the laws of, any country or territory subject to comprehensive U.S. sanctions or embargo (currently including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia regions of Ukraine); (b) you are not identified on, and are not owned 50% or more or otherwise controlled by any person identified on, OFAC’s Specially Designated Nationals and Blocked Persons List, the Consolidated Sanctions List, the U.S. Commerce Department’s Denied Persons, Entity or Unverified Lists, the EU Consolidated Sanctions List, the UK Sanctions List, or any equivalent restricted-party list; and (c) you will not use, export, re-export, transfer or make the Platform available in violation of any applicable export-control or sanctions law.

You will not use the Platform for any purpose prohibited by those laws. We may suspend or terminate your access immediately and without notice, and refuse or reverse any payment, with no refund due, if we determine or reasonably suspect that any of the above is or has become untrue, or that continued provision would expose us to sanctions risk. We may screen accounts and payment details against restricted-party lists for this purpose, as described in our Privacy Policy.

20. Force Majeure

We will not be liable for, and will not be considered in breach of these Terms because of, any delay, interruption, degradation, failure, loss of data or non-performance caused by circumstances beyond our reasonable control, including: acts of God, fire, flood, earthquake, extreme weather; war, terrorism, sabotage, civil unrest, riot; epidemic or pandemic; strike or labour dispute; failure or unavailability of electricity, internet, telecommunications, DNS, hosting, cloud, CDN or payment infrastructure; cyber-attack, denial-of-service, ransomware or breach caused by a third party; any act, order, embargo, sanction, licence refusal, injunction or regulation of any government, regulator, court, exchange or self-regulatory organisation; and the suspension, degradation, rate-limiting, re-pricing, restriction, withdrawal, insolvency, breach or discontinuation of, or any change of terms by, any third-party provider on which the Platform depends, including market-data vendors, exchanges, news sources, AI model providers, application stores, payment processors and the account-aggregation provider through which brokerage and exchange connections are made.

If such an event continues for more than sixty (60) consecutive days, either party may terminate the affected subscription on notice, and access will run to the end of the period already paid for.

21. Miscellaneous

Entire agreement; order of precedence. These Terms, together with the Privacy Policy and any product-, plan- or feature-specific terms we present to you, are the entire agreement between you and A2GROUP LLC about the Platform, and supersede all prior or contemporaneous understandings, proposals, marketing statements and representations, written or oral. In the event of conflict, the following order of precedence applies: (1) mandatory law applicable to you as a consumer; (2) the rules of the application store or platform through which you purchased, as to billing, renewal, cancellation and refunds; (3) any product-, plan- or feature-specific terms you accepted; (4) these Terms; (5) the Privacy Policy, which prevails over these Terms on matters of personal-data handling; (6) any other documentation, help content or marketing material, which is informational only and is not contractual. Nothing in this paragraph limits your rights or our liability for fraud or fraudulent misrepresentation.

Severability. If any provision is held invalid, illegal or unenforceable, it will be modified and interpreted to the minimum extent necessary to accomplish its objectives within the limits of applicable law, and if it cannot be so modified it will be severed, and the remaining provisions remain in full force. If the class-action waiver is held unenforceable as to a claim, that claim proceeds in court without it, as set out in Section 17.3. Where a provision is unenforceable only as to a particular person, jurisdiction or claim, it remains enforceable as to all others.

No waiver. No failure or delay in exercising any right is a waiver of it, and no single or partial exercise precludes any further exercise. A waiver is effective only if in writing and signed by an authorised representative, and applies only to the specific instance stated.

Assignment. You may not assign, delegate, novate, sublicense or otherwise transfer these Terms, your account, your subscription or any right or obligation under them, in whole or in part, whether voluntarily, by operation of law, by change of control or otherwise, without our prior written consent. Any attempted transfer without that consent is void. Subscriptions are personal to you and are not transferable, resaleable or giftable. We may freely assign, delegate, novate or transfer these Terms and any of our rights and obligations, in whole or in part, without notice to you and without your consent, including to an affiliate, to a successor in interest, or in connection with a merger, acquisition, reorganisation, financing, sale of assets, or sale of all or part of our business. These Terms bind and benefit the parties and their permitted successors and assigns.

Headings and interpretation. Headings and any table of contents are for convenience only and do not affect interpretation. “Including” means “including without limitation”. These Terms will not be construed against the drafter.

No third-party beneficiaries, except that Apple Inc. and its subsidiaries are third-party beneficiaries as stated in Section 6.9, and the Indemnified Parties may enforce Section 13. The Contracts (Rights of Third Parties) Act 1999 does not apply other than as stated.

Relationship. Nothing creates a partnership, joint venture, agency, franchise, employment or fiduciary relationship.

U.S. Government end users. The Platform and any accompanying software and documentation are “commercial products”, “commercial computer software” and “commercial computer software documentation” as those terms are used in 48 C.F.R. §2.101, FAR 12.212 and DFARS 227.7202. Consistent with FAR 12.212 and DFARS 227.7202-1 through 227.7202-4, any use, duplication, disclosure, modification or transfer by or on behalf of the United States Government is governed solely by these Terms, and all other rights are reserved. No U.S. Government entity acquires any right beyond those granted to other end users, and any term inconsistent with federal law does not apply to that entity.

Language. These Terms are made in English. Any translation is provided for convenience; in the event of conflict the English version governs, except where mandatory law in your country requires otherwise, in which case the version in your language governs to that extent.

22. Contact

For questions about these Terms:

contact@a2group.llc

A2GROUP LLC — a Wyoming limited liability company
5830 E 2nd St, Ste 7000 #16007, Casper, WY 82609, USA