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.

2. No Financial Advice

Cala does not provide financial, investment, legal, or tax advice.

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

You remain solely responsible for all investment decisions and actions. You should consult a qualified, licensed financial professional before making investment decisions.

3. No Trade Execution or Brokerage Services

Cala:

• Does not execute trades
• Does not connect to brokerage accounts
• Does not manage portfolios on your behalf
• Does not act as a broker, dealer, or investment advisor

Any portfolio, watchlist, or allocation features displayed by the Platform are informational tools for you to organize and interpret market data. They do not represent holdings in a Cala-managed account, and no orders are placed through the Platform.

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 and Billing

6.1 Subscription Tiers

The Platform is offered on a freemium model. Paid tiers are billed monthly or annually as selected at checkout. Features available at each tier are described on our pricing page and are subject to change with notice.

6.2 Billing

By subscribing to a paid tier, you authorize us (or the applicable app store) to charge your payment method on a recurring basis. All fees are in US dollars and are exclusive of applicable taxes. Subscriptions purchased through Apple App Store or Google Play are managed, billed, renewed and cancelled by the respective app store.

6.3 Free Trial

If we offer a free trial, your subscription will automatically convert to a paid subscription at the end of the trial period unless you cancel before that date.

6.4 Cancellation and Refunds

You may cancel your subscription at any time from account settings or the relevant app store. Cancellation takes effect at the end of the current billing period — you retain access until then. Fees are non-refundable except as required by applicable law or app store policy. If you experience a material service failure, contact contact@a2group.llc and we will evaluate your case.

6.5 Price Changes

We may change subscription prices with 30 days advance notice. Continued use after the effective date constitutes acceptance of the new price.

7. Acceptable Use

You agree to use the Platform only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Platform in any way that violates applicable securities laws or regulations.
• Redistribute, resell, or sublicense market data received through the Platform.
• Scrape, crawl, or systematically extract data from the Platform beyond what is provided by official API access.
• Attempt to reverse-engineer, decompile, or disassemble any component of the Platform.
• Rely solely on the Service for investment decisions without independent judgment.
• Use the Platform to harass, harm, or deceive other users or third parties.
• Attempt to gain unauthorized access to the Platform, its servers, or any connected systems.
• Upload malicious code or interfere with the Platform’s operation.
• Circumvent usage limits, rate limits, or access controls.

You understand that market data may be delayed, incomplete, or subject to change.

8. Data Accuracy and AI Limitations

8.1 Third-Party Data

The Service may display or rely on data provided by third parties (e.g., market data providers). While we strive to provide accurate, live data sourced from verified providers, we do not guarantee the accuracy, completeness, timeliness, or fitness for purpose of any data. Market data is subject to delays, errors, and interruptions beyond our control. We are not responsible for errors or omissions from third-party sources.

8.2 AI Limitations

The AI assistant is designed to minimize hallucination by fetching data from verified APIs rather than generating it. However, AI systems can produce errors and may contain inaccuracies. You are responsible for independently verifying any information before acting on it.

8.3 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.

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

10.1 Our Content

The Platform, including its software, design, AI models, data pipelines, and all content we create, is owned by A2 Group LLC and protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Platform for your personal or internal business purposes.

10.2 Your Content

You retain ownership of data you provide to the Platform (watchlists, preferences, notes). You grant us a limited license to use this data solely to provide and improve the Platform.

10.3 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

The Platform is 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. We do not warrant that the Platform will be uninterrupted, error-free, or free of harmful components, that the information provided will be accurate or complete, or that use of the Platform will result in any specific financial outcome.

12. Limitation of Liability

To the maximum extent permitted by law, A2 Group LLC shall not be liable for any investment losses, indirect, incidental, special, consequential, or punitive damages, or loss of profits, data or business opportunities arising from your use of the Platform, including losses resulting from investment decisions made using Platform data or AI analysis. Your use of the Service is at your own risk. Our total liability to you for any claim shall not exceed the amount you paid to us in the 12 months preceding the claim.

13. Indemnification

You agree to indemnify and hold harmless A2 Group LLC and its officers, employees, and agents from any claims, damages, or expenses (including reasonable attorneys’ fees) arising from your use of the Platform, your violation of these Terms, or your violation of any third-party rights.

14. Termination

We may suspend or terminate your access to the Platform at any time for violation of these Terms, suspected fraud, or any other reason with reasonable notice. You may stop using the Service at any time. Upon termination, your right to use the Platform ceases. Provisions that by their nature should survive termination (including Sections 2, 3, 8, 10, 11, 12, 13, and 16) will do so.

15. Changes to the Terms

We may update these Terms periodically. When we do, we will update the “Last updated” date and notify you by email if the changes are material. Continued use of the Platform after the effective date constitutes acceptance of the updated Terms.

16. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Platform shall be resolved through binding arbitration under the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.

17. Miscellaneous

• Entire Agreement: These Terms and the Privacy Policy constitute the entire agreement between you and A2 Group LLC regarding the Platform.
• Severability: If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.
• No Waiver: Our failure to enforce any right or provision does not constitute a waiver of that right.
• Assignment: You may not assign your rights under these Terms. We may assign ours in connection with a merger or acquisition.

18. Contact

For questions about these Terms:

contact@a2group.llc

A2 Group LLC — Cala