1. General Provisions

These Terms and Conditions of Use (hereinafter referred to as the “Terms”) are entered into between STOQ FZ-LLC (FDRK5298, Compass Building, Al Shohada Road, AL Hamra Industrial Zone-FZ, Ras Al Khaimah, United Arab Emirates), the provider of the STOQ platform (hereinafter referred to as “STOQ”, “we”), and the natural person accessing the Platform (hereinafter referred to as the “User”). These Terms govern all legal relations arising in connection with the use of the Platform.

These Terms establish legally binding conditions for the use of the Platform and constitute an integral part of the contractual relationship between STOQ and the User.

The STOQ Platform is a cloud-based software solution (Software as a Service) designed to automate the processes of electronic inventory management of goods and materials, collectibles, as well as intangible and digital accounting objects, warehouse stock management, generation of management, warehouse and analytical reporting, systematisation of business activity information, and other functions related to the digitalisation of the User’s business processes.

The Platform is provided by means of remote access via an internet connection, including through a web interface, mobile applications and other software components developed by STOQ.

These Terms constitute a public offer within the meaning of applicable law. Any of the following actions of the User shall be deemed full and unconditional acceptance of these Terms:

• registration of an account

• payment for a subscription plan

• commencement of actual use of the functionality following registration

• confirmation of acquaintance with the Terms upon registration (for new users — through express consent upon account creation)

• continued use of the Platform following receipt of a notification of amendments to the Terms.

Acceptance of these Terms signifies the User’s agreement with all terms and conditions thereof without any reservations, exceptions or modifications.

The User confirms that, prior to commencing use of the Platform, they have carefully read the text of these Terms, understand their content and assume obligations to comply therewith.

These Terms govern the relationship between STOQ and the User regardless of the User’s location and country of residence.

If the User does not agree with the terms of these Terms in whole or in part, they are obliged to immediately cease use of the Platform, delete the account and refrain from further access to the service.

Continued use of the Platform following the occurrence of disagreement with individual provisions of the Terms is not permitted and shall be construed as confirmation of the User’s agreement with the terms of this document.

These Terms shall remain in effect for the entire period of use of the Platform and shall retain legal force with respect to obligations which by their nature are subject to application following the termination of access to the Platform. Should any provision of these Terms be deemed invalid, the remaining provisions shall remain in full force and effect.

2. Subject Matter

These Terms establish the legal grounds and procedure for granting the User access to the Platform, regulate the conditions of its use, define the scope of rights granted, establish restrictions, payment procedures, allocation of liability between the parties, data processing rules, conditions for suspension and termination of access, as well as the mechanism for resolution of disputes arising in connection with the use of the Platform.

These Terms govern all legal relations between STOQ and the User arising in the course of registration, use, payment, updating, restriction or termination of access to the Platform, regardless of the method of interaction between the parties (web interface, mobile application or other technical means of access).

STOQ grants the User a limited, non-exclusive and non-transferable right to use the Platform solely within the scope of the paid subscription plan and in accordance with the technical parameters established for the respective Subscription.

The scope of rights granted to the User is determined by:

• the selected subscription plan

• the technical limitations of the Platform

• the functional capabilities of the specific version of the service

• the provisions of these Terms.

The User agrees that the right to use the Platform so granted does not constitute a transfer of title, exclusive rights or a licence beyond the limits expressly provided for by these Terms.

These Terms apply to:

• all current versions of the Platform

• all future versions of the Platform

• updates, modifications and improvements

• additional modules and extensions

• integrations with external services

• application programming interfaces (APIs)

• mobile applications

• other elements of the STOQ software ecosystem.

Unless otherwise provided by a separate written agreement, any new features, updates and extensions shall automatically fall within the scope of these Terms.

Use of the Platform is permitted for the purposes of conducting lawful commercial, professional and personal activities, subject to compliance with applicable legislation and conformity of such use with the functional purpose of the Platform. Use of the Platform for purposes contrary to applicable legislation or to the functional purpose of the Platform is prohibited.

The User undertakes to use the Platform in accordance with its functional purpose and applicable legislation.

All sections of these Terms shall be interpreted in conjunction with one another.

3. Description of the Service and Conditions of Provision

A description of the STOQ Platform and its technical model is set forth in Section 1 of these Terms. This Section establishes the conditions for the provision of functionality and the technical parameters of the service.

The User is granted the right of remote access to the functionality of the Platform within the scope of the selected subscription plan, without transfer of the source code or installation of the server-side component on the User’s own infrastructure.

The User acknowledges that the specific list of features and the scope of available capabilities is determined by the selected subscription plan and may vary depending on the level of the Subscription.

STOQ reserves the right at any time to make changes to the functionality of the Platform, including but not limited to:

• modification of the user interface

• optimisation of data processing algorithms

• updates to the system architecture

• introduction of new technologies

• addition, modification or removal of individual functions

• amendment of technical parameters of the service.

Such changes may be aimed at enhancing security levels, improving performance, rectifying identified deficiencies, upgrading the software, as well as bringing the Platform into compliance with the requirements of legislation or regulatory acts.

STOQ is not obliged to maintain the interface, functionality or architecture of the Platform unchanged, provided that such change does not deprive the User of the material ability to use the paid functionality.

The Platform is provided in its current functional state; STOQ does not guarantee uninterrupted, continuous or error-free operation thereof.

STOQ shall use reasonable efforts to ensure Platform availability of at least 99% of time calculated on a calendar month basis, except for periods of planned maintenance, force majeure events and failures of third-party infrastructure. Planned maintenance shall be carried out predominantly during periods of minimum load with prior notification to Users. The User acknowledges that the Platform may be temporarily unavailable in whole or in part for reasons including maintenance, updates, work by infrastructure providers, telecommunication network failures, cyber incidents and other circumstances beyond STOQ’s reasonable control.

STOQ reserves the right to temporarily restrict access to the Platform for the purposes of carrying out technical works, rectifying malfunctions or ensuring security.

The User acknowledges that access to the Platform depends on the stability of the internet connection and the proper functioning of the User’s equipment, for which STOQ bears no responsibility.

The terms of this Section shall remain in effect for the entire period of use of the Platform.

4. Registration, Account and Security

In order to gain access to the functionality of the Platform, the User is required to complete the registration procedure and create an account by providing accurate, current and complete information necessary for the identification of the User and the proper operation of the service.

Upon registration, the User undertakes to:

• provide accurate information about themselves or the organisation they represent

• maintain the currency of registration data

• promptly update information in the event of any changes thereto.

The User confirms that they possess the necessary authority, legal capacity and contractual capacity to enter into these Terms and use the Platform.

The User independently determines the circle of persons to whom access to the Platform is granted under additional profiles and bears full responsibility for their actions.

All actions performed using the User’s account, including actions of persons to whom access has been granted, shall be deemed to have been performed by the User themselves and shall entail the corresponding legal consequences.

The User is obliged to ensure the security of account credentials, including login, password and other authentication means, and to take reasonable measures to prevent their unauthorised use.

The User undertakes to:

• not transfer account credentials to third parties outside the established procedure

• use reliable means of access protection

• restrict access to the account to persons who require it for the performance of their official duties

• ensure timely termination of access for persons who have lost the relevant authorisation.

In the event of loss of account credentials, suspicion of their compromise or detection of unauthorised access, the User is obliged to immediately notify STOQ.

STOQ reserves the right to temporarily restrict access to the account or suspend its operation upon detection of:

• suspicious activity

• attempts at unauthorised access

• information security threats

• indications of a breach of these Terms

• technical anomalies indicating a possible compromise of the account.

Such measures are applied for security purposes and do not constitute a breach of STOQ’s obligations.

STOQ shall not be liable for losses arising from:

• the User’s loss or disclosure of account credentials

• actions of persons who gained access to the Platform through the User’s fault

• transfer of account access to third parties through the User’s fault.

The User bears full responsibility for the security of account credentials and the security of access to their account.

The Platform may support integrations with Third-Party Services. The conditions of use of such integrations, allocation of risks and liability of the parties are governed by Section 21 of these Terms.

STOQ shall not be liable for the operation, availability, security, accuracy, changes in terms or discontinuation of third-party services, nor for the consequences of the User’s use of such services.

The User independently ensures compliance with the terms of third parties and bears responsibility for any actions performed through integrations, including the transfer of data to and receipt of data from third-party systems.

The User undertakes not to perform actions aimed at testing vulnerabilities, load testing, simulating attacks, attempting to bypass security mechanisms, or other actions that may affect the security and stability of the Platform, without the prior written consent of STOQ.

Upon discovery of a potential vulnerability, the User undertakes to immediately notify STOQ through the technical support channels and to refrain from disclosing information to third parties until the vulnerability has been remediated or written permission has been obtained from STOQ.

Responsible disclosure of vulnerabilities does not constitute a breach of these Terms. A person who has discovered a potential vulnerability and reported it to STOQ at security@stoq.global shall not be subject to legal proceedings by STOQ, provided that the following principles are observed: the vulnerability was identified without causing harm to the Service or other users; access to third-party data was not obtained in the course of the research; information about the vulnerability was not disclosed to third parties before it was remediated by STOQ or before the expiry of 90 (ninety) days from the date of notification.

STOQ reserves the right, upon reasonable grounds to suspect a security threat, to immediately restrict access to the Account or to individual functions of the Platform.

5. Licence and Intellectual Property

The STOQ software, platform, and the “STOQ” name and logo are owned by BAFID FZE. STOQ provides the Service. Users are granted a limited, non-exclusive, non-transferable licence to use the Service; all other rights are reserved.

STOQ grants the User a limited, non-exclusive, non-transferable, non-sublicensable and revocable licence, conditional upon the User’s compliance with these Terms, to use the Platform solely within the scope of the selected and paid subscription plan and solely for the User’s personal use.

The licence so granted does not entail the transfer of any proprietary rights to the Platform or its individual elements. The User receives only the right to use the functionality of the Platform to the extent expressly provided for by these Terms and the applicable subscription plan.

All exclusive rights to the Platform, including but not limited to:

• source code and object code of the software

• databases

• system architecture

• information processing algorithms

• design, interfaces and visual elements

• graphic materials and logos

• documentation and technical materials

• software modules, updates and modifications

belong to STOQ or its lawful rightholders and are protected by intellectual property legislation.

No provision of these Terms may be construed as a transfer to the User of exclusive rights to the Platform or its elements.

The User is prohibited, without the prior written consent of STOQ, from:

• conducting reverse engineering of the Platform

• decompiling, disassembling or otherwise attempting to obtain the source code

• modifying the software

• creating derivative works based on the Platform

• copying, reproducing or distributing elements of the Platform

• using the Platform for the development of a competing software solution

• publishing results of comparative testing of the Platform in a form capable of misleading third parties as to the characteristics or capabilities of the Platform, without prior agreement with STOQ

• granting access to the Platform to third parties in excess of the number of users provided for by the subscription plan.

Any suggestions, ideas or feedback provided by the User in relation to the Platform may be used by STOQ without any obligation or remuneration.

In the event of the User’s breach of the licence terms (reverse engineering, unauthorised copying, creation of a competing solution), STOQ reserves the right to immediately suspend or terminate access to the Platform and to seek compensation for damages through judicial proceedings.

6. Payment and Subscription Plans

Access to the Platform is granted to the User on the basis of advance payment for the selected subscription plan (Subscription), unless otherwise expressly provided for by the terms of use of a specific subscription plan or a separate written agreement of the parties. STOQ reserves the right to provide a free trial period on the terms specified in the Platform interface. Upon expiry of the trial period, access shall automatically terminate or be converted to a paid subscription plan, if the User has expressly confirmed their intention to continue use and has provided payment details.

Payment is made by advance payment for the respective billing period (month, quarter, year or other established period). The User is obliged to ensure timely and full transfer of funds prior to the commencement of the billing period, unless otherwise indicated in the Platform interface or on an issued invoice.

The obligation to make payment shall be deemed fulfilled from the moment of actual receipt of funds into STOQ’s bank account or confirmation of successful processing of the payment through a payment operator. Cancellation of the Subscription is effected in the STOQ account settings and terminates only future charges; the current paid period remains in effect until its expiry. If the Subscription was made through a third-party platform, management and cancellation are effected through the settings of that platform in accordance with its rules.

All payments made under these Terms are non-refundable, except as expressly provided for by the STOQ Refund Policy, which constitutes an integral part of these Terms.

The User agrees that non-use of the Platform during a paid period shall not constitute grounds for a refund or recalculation of the cost of services.

STOQ reserves the right to unilaterally amend the pricing of subscription plans, the structure of subscription plans, the list of services included in the Subscription, as well as payment terms, provided that the User is notified no less than 30 (thirty) calendar days prior to such amendments coming into force. If the User does not agree with the amendment, they shall have the right to cancel the Subscription before the date such amendments come into force without additional penalties.

Notification may be effected by publication of updated information on the official website, in the Platform interface or by means of an electronic message.

If the User continues to use the Platform after the amendments come into force, this shall be deemed their agreement to the new pricing and terms.

Prices are stated exclusive of taxes. Upon payment, applicable taxes (VAT, GST, sales tax and others) shall be added to the cost in accordance with the legislation of the User’s jurisdiction.

The User is responsible for the accuracy of the payment details and payment methods provided.

STOQ shall not be liable for payment delays caused by banks, payment systems or other third parties.

The Subscription shall be automatically renewed upon expiry of each billing period, unless cancelled by the User. STOQ shall send a notification of the forthcoming charge to the registered email address of the User no less than 7 (seven) calendar days prior to the charge date. Prior to initiating a chargeback procedure, the User may submit a written request to STOQ at billing@stoq.global. The request shall be reviewed within 3 (three) business days. In the event that the User initiates a chargeback procedure through a bank or payment system, STOQ reserves the right to suspend access to the Platform pending investigation, provide evidence to the payment operator for the purpose of contesting the chargeback, and permanently restrict the account if the chargeback is deemed unsubstantiated.

7. Acceptable Use of the Platform

The User undertakes to use the Platform exclusively for lawful personal purposes and in strict compliance with applicable legislation of their country of residence, as well as international norms and obligations applicable to them.

The User confirms and warrants that use of the Platform is not directed at the commission of unlawful acts, circumvention of mandatory legislative requirements or violation of the rights and legitimate interests of third parties.

The User undertakes not to perform actions which may:

• disrupt the normal operation of the Platform

• result in the creation of excessive or unauthorised load on the server infrastructure

• lead to a compromise of information security

• result in unauthorised access to the data of other users

• violate the confidentiality of information.

STOQ reserves the right to carry out technical and behavioural monitoring of Platform use to the extent necessary for ensuring stability, security and prevention of abuse.

Upon detection of actions that may cause harm to the Platform, STOQ, other users or third parties, STOQ reserves the right, at its own discretion, to:

• temporarily restrict access to individual functions

• fully suspend the account

• request explanations and documents

• demand rectification of identified breaches within a specified period

• notify competent governmental authorities in cases expressly provided for by law.

Application of the said measures shall not be deemed a breach of STOQ’s obligations and shall not entail an obligation to compensate the User for any possible losses.

Where API or other software access interfaces are provided, the User undertakes to use them exclusively within the established limits, technical restrictions and documentation of STOQ.

The User is prohibited from carrying out scraping, automated data collection, bulk requests, circumvention of limits, interference with security mechanisms, as well as other actions aimed at extracting data or placing load on the Platform beyond its intended functionality.

STOQ reserves the right to establish and amend usage limits, including restrictions on request speed, number of operations and other parameters, as well as to suspend access upon detection of abuse or exceedance of limits.

8. Sanctions Restrictions and Export Control

The User confirms, represents and warrants that they are not included in sanctions lists published by the authorities of the USA (including the Office of Foreign Assets Control — OFAC), the European Union, the United Kingdom, the United Arab Emirates or other international organisations and states applying restrictive measures regimes.

The User warrants that they are not subject to direct or indirect restrictions related to international sanctions and that their activities do not fall under the prohibitions or restrictions established by applicable sanctions legislation.

The User undertakes not to use the Platform:

• in jurisdictions subject to international sanctions or restrictive measures

• in the territory of the People’s Republic of China (PRC). The Platform is not intended for users located in the PRC and does not comply with PRC legislation on localisation and processing of personal data. Use of the Platform from the territory of the PRC is at the user’s risk and may violate applicable PRC legislation

• for the purpose of circumventing sanctions regimes, export control restrictions or other international prohibitions

• for the accounting, storage, analysis or processing of transactions, goods or services subject to export control prohibitions

• in the interests of, on the instructions of or for the benefit of persons included in sanctions lists

• to facilitate transactions that may result in a breach of sanctions legislation.

The User also warrants that the use of the Platform does not violate the requirements of legislation on export control, trade restrictions, currency regulation or other international restriction regimes.

In the event of a change in the status of the User or their affiliates, including inclusion in sanctions lists, the User undertakes to immediately notify STOQ in writing.

STOQ reserves the right to carry out reasonable and proportionate sanctions risk verification measures, including:

• automated data analysis

• screening against international sanctions lists

• request for additional clarifications

• requirement to provide supporting documents

• conduct of compliance verification procedures.

In the event of detection of a substantiated sanctions risk or the existence of sufficient grounds to believe that the use of the Platform may result in a breach of the sanctions regime, STOQ reserves the right, without prior notice, to:

• immediately suspend access to the Platform in whole or in part

• restrict individual functions

• request additional information and documents

• refuse further provision of services

• terminate these Terms unilaterally.

Termination or restriction of services on sanctions grounds shall not be deemed a breach of obligations by STOQ. In the event of forced termination of access on sanctions grounds, STOQ shall refund the cost of the unused portion of the Subscription period, unless otherwise prohibited by applicable sanctions legislation.

The User assumes all risks associated with the application of international sanctions and export restrictions to their activities.

9. User Data and Allocation of Liability

The User retains all intellectual property rights in data, content, materials and other objects entered, uploaded, created or processed on the Platform. STOQ makes no claim to any intellectual property rights in the User’s data or content. The provision of data to the Platform does not entail the transfer of any intellectual property rights to STOQ.

User data means any information, including but not limited to: information on goods, transactions, counterparties, financial indicators, reports, documents, as well as personal data of natural persons, where such data is entered into the Platform.

The User confirms and warrants that they possess all necessary rights, authorisations and lawful grounds to transfer data to the Platform and to process it by means of the service’s functionality.

The User independently and fully bears responsibility for:

• the lawfulness of the acquisition, storage and processing of data

• the existence of legal grounds for the processing of personal data

• the obtaining of necessary consents from data subjects

• compliance with the requirements of personal data protection legislation, including international norms, where applicable

• the accuracy, completeness and currency of the information entered

• the lawfulness of the transfer of data to the Platform

• compliance with obligations to third parties in connection with the use of the Platform.

STOQ does not carry out preliminary verification of the content of data entered by the User and is not obliged to assess its lawfulness, accuracy, completeness or compliance with legislative requirements.

STOQ shall not be liable for the accuracy, completeness or reliability of information posted by the User on the Platform, nor for the consequences of the use of such information.

The User confirms that they bear exclusive responsibility for the consequences of the storage, processing, analysis, transfer and use of the data entered, including the consequences of its disclosure, loss or incorrect application.

With respect to personal data entered by the User into the Platform, STOQ acts as a data processor acting on the instructions of the User as data controller. At the same time, with respect to data collected by STOQ directly in connection with the provision of the Platform (registration data, usage data, billing data), STOQ acts as a data controller. Further details are set out in the STOQ Privacy Policy.

STOQ reserves the right to use anonymised and aggregated data generated on the basis of the User’s information, provided that such data does not permit the direct or indirect identification of a specific User or their counterparties.

Anonymised and aggregated data may be used for the purposes of:

• improving the quality of the Platform

• analysing the effectiveness of the service’s operation

• conducting statistical and analytical research

• developing new functional capabilities

• improving the efficiency of information processing algorithms

• generating aggregated industry statistics.

Such data is used exclusively in anonymised form and does not contain identifying information. STOQ does not use personal or identifiable User data for the training, fine-tuning or deployment of artificial intelligence models without the User’s express prior consent expressed through a separate opt-in mechanism.

Personal Data and Confidentiality. The processing of personal data in the course of the operation of the Platform is carried out in accordance with the STOQ Privacy Policy, published on the official website and/or in the Platform interface.

The Privacy Policy constitutes an integral part of these Terms and applies to all cases of personal data processing carried out by STOQ in connection with the provision of access to the Platform.

The STOQ Refund Policy constitutes an integral part of these Terms. In the event of any contradiction between these Terms and the Refund Policy with respect to payment and refund terms, the provisions of the Refund Policy shall prevail.

In the event of any contradiction between the provisions of these Terms and the Privacy Policy with respect to the processing of personal data, the provisions of the Privacy Policy shall prevail.

9a. Additional Profiles and Minor Users

The Platform is available to users of any age. Users who have not attained the age of 18 may use the Platform exclusively with the consent of a parent or legal representative, who shall bear responsibility for their actions. For users under the age of 13 (USA) and under the age of 16 (EU/EEA), verified parental or legal representative consent is required in accordance with the requirements of COPPA and GDPR.

The account holder may create additional profiles within their Subscription in accordance with the terms of the selected subscription plan. Additional profiles do not have access to payment, billing and Subscription management settings. All actions related to payment and amendment of the Subscription are performed exclusively by the account holder.

If an additional profile is created for a user who has not attained the age of 18, the account holder confirms their consent to the use of the Platform by such user and bears full responsibility for their actions. A Subscription made by a minor without the consent of a parent or legal representative shall be subject to refund on the terms of the STOQ Refund Policy.

10. Backup, Storage and Deletion of Data

Account deletion. You may delete your account at any time from within the app (Settings → Account) or by contacting support@stoq.global. Upon deletion, your personal data is deleted, except information that STOQ must retain by law (for example, accounting and transaction records), which is kept for the period required by applicable law and then deleted.

STOQ reserves the right to carry out backup copying of User data for the purposes of ensuring the resilience of the Platform’s operation, maintaining the technical integrity of the system and minimising the risks of total loss of information as a result of technical failures.

Backup copying is carried out within the framework of STOQ’s internal technical procedures and may include automated creation of data copies on servers or cloud infrastructure used for hosting the Platform.

The User acknowledges and agrees that backup copying is exclusively technical in nature and is aimed at ensuring the stability of the Platform’s operation. Backup copying does not constitute a service of guaranteed archiving, long-term data storage or specialised storage of accounting, financial or legally significant information.

STOQ does not assume obligations for indefinite storage of User data, except as expressly provided for by applicable legislation or a separate written agreement of the parties.

Following termination of the Subscription or deletion of the account, User data may be stored for a limited period exclusively for the purpose of enabling its export:

• up to 30 (thirty) calendar days — for standard subscription plans

• up to 60 (sixty) calendar days — for advanced subscription plans

• up to 90 (ninety) calendar days — for premium-tier subscription plans.

Upon expiry of the respective period, data may be irreversibly deleted. Prior to the deletion of personal data, STOQ shall send the User three consecutive notifications to the email address specified in the account: the first — 30 (thirty) calendar days before deletion; the second — 14 (fourteen) calendar days before deletion; the third — 7 (seven) calendar days before deletion. Each notification shall specify the final deletion date, a warning as to the irreversible nature of deletion and instructions for independent data export. Recovery of data following deletion is not possible.

STOQ does not guarantee the ability to restore data in the following cases, including but not limited to:

• deletion of data at the initiative of the User or persons authorised by them

• termination of the Subscription or dissolution of these Terms

• expiry of the established data retention period following account closure

• breach by the User of the terms of these Terms

• blocking of the account on grounds provided for by these Terms

• technical failures caused by circumstances beyond STOQ’s reasonable control, including cyber attacks, cloud infrastructure failures or power outages

• data corruption caused by actions of third parties or software used by the User.

Data may be retained in backup copies for an additional technical period determined by the overwrite cycle and internal information processing procedures. Deletion of data from backup copies may occur later than deletion from the active environment and is not carried out upon individual request of the User outside the general technological cycle.

The following rules apply to User data. Personal data — that is, data identifying the User as an individual (name, email address, payment history, account data and other information processed by STOQ in connection with the provision of the Service) — shall be provided upon the User’s request regardless of the subscription plan. Requests shall be submitted to privacy@stoq.global; the processing period is 30 (thirty) days. This right may not be restricted by the subscription plan and shall be exercised in accordance with applicable legislation, including GDPR Art. 20 for users in the EU/EEA. User content — that is, data independently created and entered by the User into the Platform (product items, warehouse records, transactions, collections and other accounting objects) — is available for export through the Platform interface exclusively to users on the highest-tier subscription plan. Export is carried out in several standard machine-readable formats at the User’s choice during the term of the account and the established retention period following its termination.

STOQ is not obliged to carry out manual transfer of the database, provide source code, database architecture, internal information processing algorithms or adapt data to the requirements of specific information systems of third parties. The specific list of export formats is determined by the Platform’s functionality and may be amended by STOQ.

Data transfer is carried out exclusively to the account holder or a person who has confirmed their authorisation by appropriate documents. In the event of a change in the User’s status, change of control, business transfer or other circumstances affecting account management, STOQ reserves the right to request documentary confirmation of succession or the authority of the new authorised person.

Pending the provision of adequate confirmation, STOQ reserves the right to restrict access to the account for the purposes of preventing unauthorised access and protecting data.

STOQ shall not be liable for disputes between potential successors or representatives of the User regarding the right of access to the account and the data contained therein.

The User acknowledges that they bear exclusive responsibility for the preservation of data necessary for the conduct of their commercial activities, tax reporting, performance of contractual obligations and compliance with legislative requirements.

The User is obliged to independently ensure the creation and storage of data backups outside the Platform, if necessary for ensuring continuity of their business or performance of obligations to third parties and governmental authorities.

STOQ reserves the right to destroy or anonymise User data after the expiry of the retention period in accordance with its internal information processing procedures.

In the event of termination of the Subscription or deletion of the account, STOQ reserves the right to send the User a notification of the forthcoming deletion of data.

A notification shall be deemed proper if it is sent to the email address specified in the User’s account or posted in the Platform interface in the personal account.

The notification shall specify:

• the fact of termination of access to the Platform

• the final date of data deletion

• a warning as to the irreversible nature of deletion

• information regarding the ability to independently export data within the established retention period.

STOQ shall not be liable for non-receipt of notifications due to reasons beyond its control.

STOQ shall not be liable for the impossibility of exporting data following the expiry of the established retention period.

11. Disclaimer of Warranties and Limitation of Representations

The Platform is provided to the User in its current functional state and within the limits of actual technical availability, without the provision of any additional warranties not expressly provided for by these Terms.

STOQ does not provide any express, implied or statutory warranties in respect of the Platform, its functionality, technical characteristics, fitness for a particular purpose or conformity with the User’s expectations.

To the maximum extent permitted by applicable law, STOQ expressly disclaims any implied warranties, including but not limited to:

• warranty of uninterrupted, continuous and error-free operation of the Platform

• warranty of the absence of software errors, defects or technical failures

• warranty of the Platform’s compatibility with the User’s equipment, software or infrastructure

• warranty of the Platform’s conformity with the User’s individual business purposes, models or strategies

• warranty of the achievement of specific economic, financial or management results

• warranty of the accuracy, completeness or currency of data generated or displayed on the Platform

• warranty of protection against all possible cyber threats or unauthorised interference by third parties.

The User acknowledges and agrees that the Platform is a tool for automation and data processing that operates on the basis of algorithms and information entered by the User and does not replace professional consultancy in the field of accounting, taxation, finance, law or management.

Any analytical reports, forecasts, automatic calculations, statistical data, recommendations or other results of information processing generated by the Platform are exclusively informational in nature and may not be construed as a professional opinion, guarantee of accuracy or legal or financial advice.

STOQ does not assume obligations to verify the correctness of data entered by the User and does not guarantee the accuracy of results if they are based on incomplete, erroneous or inaccurate information.

The User independently assesses the suitability of the Platform for their purposes and makes decisions regarding its use at their own risk.

The User acknowledges that use of the Platform may be accompanied by technical interruptions, updates, changes in functionality, access restrictions or temporary unavailability of individual functions.

No oral or written information received by the User from STOQ, its employees or representatives shall create additional warranties unless such warranties are expressly established in written form and signed by authorised representatives of STOQ.

Users who are consumers under the legislation of the EU, EEA or the United Kingdom retain all rights provided for by applicable consumer legislation, including rights in respect of the conformity of goods and services, which may not be restricted by contract. Transfer of personal data of users from the EU and EEA is carried out on the basis of EU Standard Contractual Clauses (2021). For users from other jurisdictions, corresponding protective measures shall apply in accordance with the requirements of local data protection legislation.

12. Limitation of Liability

To the maximum extent permitted by applicable law, STOQ shall not be liable to the User or to third parties for any losses arising in connection with the use of or inability to use the Platform, regardless of the legal characterisation of such claims (contractual liability, tort, unjust enrichment or other grounds).

In particular, STOQ shall not be liable for any types of losses expressly excluded by these Terms, including those specified below, to the extent permitted by law.

STOQ shall also not be liable for losses arising from:

• incorrect or improper use of the Platform

• erroneous, incomplete or inaccurate entry of data by the User

• adoption of management, financial, commercial or other decisions on the basis of analytics or reports generated by the Platform

• non-compliance by the User with legislative requirements, including tax, financial, licensing and sanctions regulation

• technical failures, interruptions, updates or changes in the functionality of the Platform, regardless of their cause

• the Platform’s non-conformity with the User’s individual expectations or business model.

STOQ provides exclusively a technical platform and does not assume any obligation to control, verify or ensure the compliance of the User’s actions with legislative requirements.

STOQ shall not indemnify, compensate or cover any losses of the User or third parties arising directly or indirectly in connection with the use of or inability to use the Platform, except where such liability is expressly and mandatorily established by applicable legislation and may not be limited by agreement of the parties.

Under no circumstances shall STOQ be liable for:

• loss of profits

• loss of revenue

• loss of data

• loss of goodwill

• fines, penalties and regulatory sanctions

• indirect, consequential, special or punitive damages,

regardless of the legal characterisation of the claims and even if STOQ has been notified of the possibility of the occurrence of the respective losses.

The aggregate liability of STOQ in respect of any claims of the User, regardless of the grounds for their occurrence (including contract, tort, unjust enrichment or other grounds), shall in any case be limited to the amount actually paid by the User for use of the Platform for the 12 (twelve) calendar months preceding the date of submission of the respective claim.

If applicable law does not permit the full exclusion of liability, STOQ’s liability shall be limited to the minimum extent permitted by such legislation.

For Users who are consumers in the EU, EEA or the United Kingdom, the limitations of liability established by this Section shall apply exclusively to the extent permitted by applicable consumer legislation. In particular, STOQ’s liability for wilful misconduct and gross negligence shall not be limited.

13. Indemnification

The User undertakes to defend, indemnify and hold harmless STOQ, its affiliates, directors, employees, representatives and contractors from any claims, demands, actions, administrative proceedings, fines, penalties, losses, expenses and costs, including reasonable legal and attorneys’ fees, that may arise in connection with any act or omission of the User that breaches these Terms or applicable legislation. For Users who are consumers under the legislation of the EU, EEA or the United Kingdom, this clause shall apply exclusively to the extent permitted by applicable consumer legislation.

The obligation to indemnify shall arise, in particular but not exclusively, where claims by third parties or governmental authorities relate to:

• breach by the User of national or international legislation

• unlawful use of the Platform or use of the Platform in a manner inconsistent with its purpose

• infringement of the intellectual property rights of third parties

• dissemination of inaccurate or unlawful information

• processing of personal data without appropriate legal grounds or consents of data subjects

• breach of the requirements of personal data protection legislation

• actions of persons to whom the User has granted access to their account or additional profiles

• breach of international sanctions regimes or export control

• claims submitted against STOQ in connection with the User’s commercial activities.

The User undertakes to independently and at their own expense settle such claims or to compensate STOQ for all losses incurred by it as a result of such claims.

In the event that claims are submitted against STOQ in connection with the User’s actions, STOQ reserves the right to:

• involve the User in the settlement of the dispute

• independently conduct the defence of its interests

• demand reimbursement of all expenses, including legal fees, court costs, fines and compensation awarded by decision of a court or other competent authority.

Indemnification shall be carried out in full, including actually incurred legal expenses, regardless of whether the claim was upheld by a court or settled out of court.

14. Force Majeure

STOQ shall be released from liability for partial or total non-performance, improper performance or delay in performance of its obligations under these Terms, where such non-performance or improper performance is the result of force majeure circumstances beyond STOQ’s reasonable control, which arose after the acceptance of these Terms and which could not have been foreseen or prevented by reasonable and good faith measures.

Force majeure circumstances are understood to be extraordinary and unavoidable events under the given conditions that objectively render the performance of obligations impossible or substantially impede their performance.

Such circumstances include, in particular but not exclusively:

• cyber attacks, including DDoS attacks, malicious software interference, unauthorised intrusion into information systems and other forms of digital attacks, provided that STOQ has taken reasonable and proportionate information security protection measures

• failures or cessation of operation of cloud providers, data centres, telecommunications operators or other infrastructure providers on which the functioning of the Platform depends

• interruptions or cessation of power supply, failure of telecommunications networks or data transmission channels

• acts, orders or restrictions of governmental authorities, including blocking of internet resources, restriction of access to servers, seizure of equipment, regulatory prohibitions

• imposition of international or national sanctions, export restrictions or other governmental regulation measures impeding the performance of obligations

• natural disasters, including earthquakes, floods, fires, hurricanes and other natural catastrophes

• military operations, armed conflicts, terrorist acts, mass civil disturbances

• epidemics, pandemics, emergency public health measures, quarantine restrictions

• other extraordinary circumstances that could not have been reasonably foreseen or prevented.

The occurrence of force majeure circumstances shall release STOQ from liability for the period of their duration and for the consequences directly caused by such circumstances.

In the event of force majeure circumstances, the period for performance of STOQ’s obligations shall be extended for the duration of such circumstances and for a reasonable period necessary for the restoration of normal operation of the Platform.

If force majeure circumstances continue for more than 30 (thirty) consecutive calendar days and render further performance of obligations impossible, STOQ reserves the right to terminate these Terms unilaterally without any obligation to compensate the User for possible losses.

The User agrees that the occurrence of force majeure circumstances may not be construed as a breach of obligations by STOQ and does not entitle the User to claim damages, penalties or other compensation.

15. Termination and Suspension of Access

STOQ reserves the right, at its own discretion, to suspend the User’s access to the Platform in whole or in part or to terminate these Terms unilaterally where there are sufficient grounds to believe that the User has breached the terms of these Terms, applicable legislation or is using the Platform in a manner that creates legal, financial or reputational risks for STOQ.

Grounds for suspension or termination of access include, in particular but not exclusively:

• material breach of these Terms, including breach of licence terms and acceptable use conditions

• non-payment or reversal of payment for the next Subscription period

• detection of sanctions risk or breaches described in Section 8 of these Terms

• receipt of a binding order or requirement from governmental authorities

• use of the Platform in a manner that threatens information security

• provision of inaccurate registration data

• detection of attempts at unauthorised access or circumvention of technical restrictions

• use of the Platform for unlawful activities.

Suspension of access may be effected without prior notification to the User, if delay may result in harm to STOQ, other users or third parties. In such cases, STOQ shall send the User a notification stating the reasons for the access restriction within 24 (twenty-four) hours from the moment of its introduction. The User shall have the right to contest the decision to restrict access by submitting an application to legal@stoq.global. STOQ shall review such applications within 14 (fourteen) business days and shall provide a reasoned response.

STOQ reserves the right to restrict access to:

• individual functions of the Platform

• certain data

• the entire account.

In the event of suspension of access, the User is obliged to rectify the identified breaches within the period established by STOQ, if rectification is possible.

If the breach has not been rectified or is of an irremediable nature, STOQ reserves the right to terminate these Terms definitively.

Termination of access to the Platform shall not release the User from the obligation to pay for services rendered prior to the moment of termination, nor from liability for breaches committed during the period these Terms were in effect.

In the event of termination of the Terms, STOQ reserves the right to:

• block the account

• delete User data upon expiry of the established retention period

• restrict the possibility of re-registration.

The User may terminate the use of the Platform at any time by deleting the account or by sending a written notification to STOQ.

Termination of use of the Platform at the User’s initiative shall not automatically entail a refund of amounts paid.

The obligations of the parties that by their nature should survive termination of these Terms, including provisions on confidentiality, limitation of liability, indemnification and dispute resolution, shall continue in effect after termination of access to the Platform.

16. Assignment and Succession

STOQ reserves the right, at its own discretion, to assign its rights and obligations under these Terms in whole or in part to third parties without obtaining the User’s prior consent.

Such assignment may be effected, in particular but not exclusively, in the following cases:

• reorganisation of STOQ in any form provided for by legislation

• merger, acquisition, demerger or spin-off

• sale of the business in whole or in part

• disposal of a business as a going concern

• assignment of claims

• transfer of assets, including intellectual property

• raising of investment

• creation of joint ventures

• transfer of management functions to affiliated entities

• entry into strategic partnership agreements.

The User confirms that such assignment does not require their additional consent and may not be construed as a breach of these Terms.

In the event of assignment of rights and obligations under these Terms to a successor, the new entity shall acquire all rights and assume all obligations of STOQ to the extent provided for by these Terms.

The User agrees that such assignment does not affect the validity and binding nature of these Terms.

STOQ shall notify the User of the assignment of rights by means of an electronic letter to the User’s registered address no less than 30 (thirty) days prior to the assignment, where such assignment affects the processing of the User’s personal data. In other cases, notification shall be effected by publication on the official website.

The User may not assign their rights and obligations under these Terms to third parties without the prior written consent of STOQ.

Any attempt by the User to assign rights and obligations without such consent shall be deemed null and void and shall not entail any legal consequences for STOQ.

Rights and obligations under these Terms may not be assigned by the User without the prior written consent of STOQ.

17. Governing Law and Dispute Resolution

The provisions of these Terms that by their nature should remain in force after termination of the Terms (including terms on intellectual property, liability, indemnification, confidentiality and dispute resolution) shall continue in effect after such termination. These Terms, as well as all legal relations arising between STOQ and the User in connection with the use of the Platform, the conclusion, performance, interpretation, termination or invalidity of these Terms, shall be governed by and construed in accordance with the legislation of the United Arab Emirates, without regard to conflict of law rules that might result in the application of the legislation of another jurisdiction.

All disputes, disagreements or claims arising from or in connection with these Terms, including questions of their existence, validity, performance, breach or termination, shall be subject to the jurisdiction of the competent courts of the United Arab Emirates.

As a general rule, disputes shall be considered by the competent courts of the United Arab Emirates. Users who are consumers under the legislation of the EU, EEA or the United Kingdom retain the right to bring proceedings before the courts of their place of residence and shall enjoy all rights provided for by applicable consumer legislation that may not be restricted by contract.

STOQ reserves the right to submit claims against the User in the courts of the jurisdiction in which the User is registered or actually carries out activities, where this is necessary for the enforcement of obligations or recovery of debt.

STOQ reserves the right, at its own discretion, to submit claims against the User both in the courts of the UAE and in the courts of the jurisdiction in which the User is registered or actually carries out activities, where this is necessary for the protection of STOQ’s rights, recovery of debt or enforcement of obligations.

The parties acknowledge the choice of governing law and jurisdiction set forth in this Section as mutually agreed upon, taking into account the international nature of the Platform’s activities.

Prior to submitting a claim to court, the parties undertake to take reasonable measures for the pre-trial settlement of a dispute, including the submission of a written claim setting forth the substance of the demands and allowing a reasonable period for a response, which shall be no less than 30 (thirty) calendar days from the date of receipt of the claim.

The failure to submit a pre-trial claim shall not deprive STOQ of the right to judicial protection, where recourse to court is necessary to prevent significant harm or to protect STOQ’s rights and legitimate interests.

The requirement to observe pre-trial proceedings shall not apply to claims for interim measures, cessation of infringements, protection of STOQ’s exclusive rights, prevention of unauthorised access to the Platform, information security breaches or other cases where delay may result in significant harm.

Disputes shall be considered in accordance with the procedural legislation of the UAE. The language of proceedings shall be determined by the requirements of applicable procedural legislation, provided that the User agrees not to object to the use of the official language of proceedings established by the relevant court.

18. Amendments to the Terms

STOQ reserves the right, at its own discretion, to introduce amendments, additions and clarifications to these Terms unilaterally without prior agreement with the User.

Amendments may be conditioned by, inter alia but not exclusively:

• changes in applicable legislation

• the need to bring the Terms into conformity with the requirements of governmental authorities

• development and modernisation of the Platform’s functionality

• changes in the business model

• introduction of new services, modules or subscription plans

• the need to strengthen information security measures

• changes in the terms of interaction with third parties and infrastructure providers.

The updated version of the Terms shall be published on STOQ’s official website and/or in the Platform interface. STOQ reserves the right to additionally notify the User of amendments made by means of email, pop-up notifications in the interface or other means of electronic communication; however, such notification shall not be a mandatory condition for the amendments coming into force.

Material amendments (affecting the User’s rights, pricing, the scope of functionality or the data processing procedure) shall come into force no earlier than 14 (fourteen) calendar days after notification of the User. Technical and editorial amendments that do not affect the User’s rights shall come into force at the moment of their publication.

STOQ shall notify the User of material amendments by means of an electronic letter to the address specified upon registration. The User may monitor the current version of the Terms on the official STOQ website.

Continued use of the Platform after the amendments come into force shall signify the User’s full and unconditional agreement with the new version of the Terms.

In the event of disagreement with the amendments made, the User is obliged to cease use of the Platform and delete the account.

Amendments to the Terms shall apply to all legal relations between the parties arising after the date the new version comes into force, as well as to continuing obligations, unless otherwise arising from the nature of the legal relations.

19. Technical Support

STOQ provides the User with technical support within the scope of the Platform’s operation.

Technical support is provided on business days from 9:00 to 18:00 according to the time established by STOQ, by means of submitting requests to the email address: support@stoq.global.

Technical support includes consultations on the use of the Platform’s functionality, rectification of technical errors and processing of enquiries related to account access.

STOQ does not provide services for training the User’s personnel, adapting business processes, integration with external systems, recovery of data outside established procedures or consultancy on accounting, tax or other regulatory matters, unless otherwise provided by a separate agreement.

The User is obliged, when contacting technical support, to provide a complete and accurate description of the issue, including, where necessary:

• a description of the sequence of actions that led to the occurrence of the error

• screenshots or other supporting materials

• information about the device and software being used.

Failure to provide adequate information may result in an increase in the processing time of the enquiry or the inability to address it.

STOQ does not guarantee a specific response time or resolution of a malfunction, unless otherwise provided by a separate written agreement. Users may submit complaints regarding STOQ’s decisions related to the restriction or termination of access to legal@stoq.global. STOQ shall review such complaints within 14 (fourteen) business days and shall provide a reasoned response.

20. Notices and Legally Significant Correspondence

The parties acknowledge and agree that legally significant communications, notifications, demands, claims, approvals, warnings and other documents related to the conclusion, performance, amendment, suspension or termination of these Terms may be sent by STOQ to the User in electronic form.

The email address specified by the User upon registration of the Account or updated by the User in the Account settings shall be deemed the proper channel for receipt of legally significant notifications. The User is obliged to ensure the currency and operability of the specified address, including the ability to receive emails, access to the mailbox and the absence of restrictions imposed by email services, corporate filters or other technical means of the User. The risk of non-receipt of notifications due to the indication of an incorrect address, loss of access to the email account, blocking of the email service, overflow of the mailbox or other circumstances depending on the User shall be borne by the User.

A notification shall be deemed proper and received by the User from the moment of its dispatch by STOQ to the email address specified in the User’s Account, unless otherwise expressly provided for by mandatory provisions of applicable legislation. Additionally, STOQ reserves the right to use notifications in the Platform interface (personal account, pop-up messages, banners), and such notifications shall also be deemed proper from the moment of their posting in the Platform interface accessible to the User.

STOQ reserves the right to send notifications on, inter alia but not exclusively, the following matters: amendments to pricing and payment terms, updates and amendments to these Terms, detection of breaches by the User, suspension of access, compliance requests, sanctions screenings, data retention and deletion notifications, as well as other communications related to the security and stability of the Platform’s operation.

The User acknowledges that the electronic format of interaction is adequate and reasonable in view of the Platform delivery model (SaaS). The User agrees that the absence of a separate paper notification or a paper-signed document shall not in itself affect the validity and enforceability of notifications sent in the manner provided for by this Section. Contact details of STOQ for legally significant correspondence: STOQ FZ-LLC FDRK5298, Compass Building, Al Shohada Road, AL Hamra Industrial Zone-FZ, Ras Al Khaimah, UAE; email: ; for billing and refund matters: billing@stoq.global; for technical support matters: support@stoq.global.legal@stoq.global

21. Third-Party Services, Integrations and Third-Party Services

The Platform may provide the User with the ability to use integrations, connections, data exchange or other interactions with third-party services, software, platforms, payment operators, messaging services, cloud providers, storage services, analytical tools and other third-party solutions (hereinafter referred to as “Third-Party Services”). Such Third-Party Services are not owned or controlled by STOQ and are provided by the respective third parties on terms determined by them independently.

STOQ shall not be liable for the availability, operability, quality, security, continuity of provision, proper functioning, changes in terms, discontinuation of operation, access restrictions, pricing or other actions and decisions of Third-Party Services. Any obligations in relation to Third-Party Services arise exclusively between the User and the respective third party.

By connecting an integration or using functionality for interaction with Third-Party Services, the User gives their consent to the transfer and receipt of data between the Platform and the respective Third-Party Service to the extent necessary for the operation of the integration, and confirms that they possess all rights and lawful grounds for such data transfer. The User independently bears responsibility for compliance with the terms of use and privacy policies of the respective third parties, as well as for the lawfulness of the transfer of data to such services.

STOQ reserves the right, at its own discretion, to amend the list of available integrations, discontinue support for individual Third-Party Services, suspend or restrict interaction with them, where this is necessary for ensuring security, compliance with legislation, prevention of abuse, elimination of technical risks or due to the discontinuation of support by third parties. Such actions shall not be deemed a breach of STOQ’s obligations and shall not entail any obligation to compensate the User for any losses.

The User acknowledges that use of Third-Party Services may be accompanied by independent risks, including risks of loss of access, data loss, changes in pricing, restriction of data export or import, as well as risks associated with the requirements of legislation and compliance regimes of third parties. All such risks are assumed by the User.

22. API, Access Keys and Technical Restrictions

Where the User is provided with application programming interfaces (APIs), tokens, keys, secrets, integration credentials or other means of programmatic access, such access means are confidential and are intended exclusively for use by the User themselves within the scope of rights and limits granted, as determined by the Platform, the subscription plan and/or STOQ’s technical documentation.

The User undertakes to ensure the security and confidentiality of any access keys and tokens and bears full responsibility for all actions performed using them, regardless of whether such actions are performed by the User themselves, their employees or third parties who gained access to the keys through the User’s fault. The User is obliged to immediately notify STOQ upon suspicion of compromise of keys and to take action to revoke/replace them, where such actions are available to the User.

The User is prohibited from transferring, publishing or granting access to APIs, keys or access tokens to third parties. The Platform API is private and intended exclusively for personal use within the scope of the Service’s functionality. Circumvention of technical limits, request rate limits (rate limits), quotas, security mechanisms and other technical restrictions of the Platform is prohibited.

STOQ reserves the right, at its own discretion, to establish, amend and apply usage limits for the API and Platform (including limits on request speed, number of operations, volume of data, frequency of access), as well as to immediately and without prior notice suspend or restrict access to the API, revoke or rotate keys, block requests, apply rate-limiting or other protective measures upon detection of abuse, suspicious activity, attempts to circumvent restrictions or other actions that pose a threat to the security or stability of the Platform. Application of the said measures shall not be deemed a breach of STOQ’s obligations.

23. Compliance, Audits and Provision of Information

The User acknowledges that STOQ reserves the right to carry out reasonable and proportionate compliance control measures for the purposes of ensuring compliance with applicable legislation, requirements of sanctions and export regulation, prevention of abuse, fraud and unauthorised use of the Platform, as well as for the purposes of protecting the security and reputation of the Platform.

Upon reasonable request by STOQ, the User undertakes to provide information and documents confirming the lawfulness of use of the Platform, the authority of the User and/or their representatives, as well as the absence of sanctions risks and compliance with applicable legislative requirements. Such a request may include, in particular, confirmation of the user’s identity, country of residence, as well as other information requested in connection with a compliance verification.

In the event that the User fails to provide the requested information and documents within a reasonable period or provides inaccurate information, STOQ reserves the right to suspend access to the Platform in whole or in part until appropriate confirmation is provided or to terminate these Terms, where the circumstances indicate a material compliance risk or breach of applicable legislation. Such measures shall not be deemed a breach of STOQ’s obligations and shall not entail any obligation to refund payments or compensate the User for losses.

The User confirms that STOQ’s obligation to provide access to the Platform is limited to the provision of services as permitted by law and does not extend to situations where the provision of access may result in a breach of the sanctions regime, export control, requirements of governmental authorities or other mandatory restrictions.

24. Automated Data Processing and Artificial Intelligence (AI)

The STOQ Platform includes functions based on artificial intelligence (AI) technologies and automated data processing, including predictive analytics, automatic categorisation of objects, image recognition, voice input and other intelligent functions.

All AI components of the Platform are of an auxiliary nature and are designed to enhance the efficiency of the User’s work. Analytical results, forecasts, automatic calculations, recommendations and other outputs of AI components are exclusively informational in nature. They do not constitute professional opinions in the field of accounting, taxation, finance, law or management, and may not replace such consultations.

STOQ does not make legally significant decisions affecting the rights or interests of the User in a fully automated manner without human involvement. All significant conclusions and actions based on Platform data are taken by the User independently and at their own risk.

The User reserves the right to request an explanation of any automated result obtained through the AI functions of the Platform by submitting a request to support@stoq.global. STOQ undertakes to provide information on the logic of the result formation to the extent applicable to the given type of processing. This right is granted in accordance with the requirements of the EU AI Act (Regulation 2024/1689) and analogous norms of applicable jurisdictions.

STOQ does not use personal or identifiable User data for the training, fine-tuning or deployment of AI models without the User’s express prior consent expressed through a separate opt-in mechanism. Anonymised aggregated data may be used for improving the Platform’s algorithms to the extent specified in Section 9 of these Terms.

The User may at any time disable the processing of their data by AI components through the account settings or by contacting support@stoq.global. Disabling AI functions may restrict the available functionality of the Platform within the scope of the paid subscription plan.

The AI components of the Platform are classified as low-risk systems in accordance with the EU AI Act and are not used for making decisions affecting the fundamental rights or interests of natural persons in an automated manner without human involvement.

25. Contact Information

For all matters related to the use of the Platform, please contact the relevant address:

Billing and Refunds: billing@stoq.global

Legal Matters and Complaints: legal@stoq.global

Technical Support: support@stoq.global

Privacy and Data: privacy@stoq.global

Security and Vulnerabilities: security@stoq.global