Terms and Conditions

AskFundu, Inc. (“askFundu,” “we,” “us,” or “our”) welcomes you. We invite you to access and use our proprietary askFundu platform (the “Platform”) designed to allow users to track and share knowledge about investments. The Platform is made available to you via our website located at www.askFundu.com (the “Website”) and our mobile application (the “App”). To make these Terms of Service (the “Terms”) easier to read, the Website, the App, the Platform and the services offered by askFundu through the Platform are collectively called the “Services”. Please read these Terms and our Privacy Policy ( the “Privacy Policy”) carefully because they govern your use of the Services.

1. AGREEMENT TO TERMS.

By using our Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree to any of these Terms, you may not access or use the Services.

2.PRIVACY POLICY.

Please review our Privacy Policy, which also governs your use of the Services, for information on how we collect, use and share your information.

3.CHANGES TO THESE TERMS OR THE SERVICES.

We reserve the right, at our sole discretion, to modify, discontinue, or terminate the Services, or to modify these Terms, at any time and without prior notice. If we modify these Terms, we will post the modification on the Website and the App

and/or provide you with other communications. By continuing to access or use the Services after we have posted a modification to the Terms, you are indicating that you agree to be bound by the modified Terms. If the modified Terms are not acceptable to you, your only recourse is to cease using the Services.

4.DESCRIPTION OF SERVICES.

The Services allow users to share investing knowledge by posting their insights and sharing their investment transactions with the community as well as chatting about their investments, including securities, commodities, futures, and certain crypto- or virtual currencies (“Virtual Currencies”). The Services connect to participating third-party broker-dealers and virtual asset exchanges (each, a “Third-Party Broker/Exchange”), which also allow users to buy, sell, and invest together.

5. USERS.

a. The Services are available for individuals aged 18 years or older and capable of forming a binding contract with askFundu, and not otherwise barred from using the Services under applicable law.

b. In order to access and use the Services, you must register with us and become a member (“Member”). As a Member you will be able to: (i) create a profile; (ii) create and join groups and channels for exchanging investing ideas with other Members (“Groups”); (iii) link to certain Third-Party Brokers/Exchanges with whom you have an account in order to buy and sell securities, commodities, futures, and Virtual Currencies (collectively, “Investments”) by using your Third-Party Brokers/Exchanges; (iv) track your Investments; and (v) share your Investment information and post commentary and other content .

6. SERVICES ACCOUNT AND MATERIALS; BROKERAGE ACCOUNT; TRANSACTIONS.

a. Services Account. If you wish to register as a Member other than through a third-party login provider (e.g., Facebook), during the registration process we will ask you to create an account, which includes a sign-in name (“Sign-In Name”), a password (“Password”). We may also ask you to provide additional information that will assist in authenticating your identity when you log-in in the future (“Unique Identifiers”). When creating your account, you must

provide true, accurate, current, and complete information. Each Sign-In Name and corresponding Password can be used by only one user. You are solely responsible for the confidentiality and use of your Sign-In Name, Password, and Unique Identifiers, as well as for any use, misuse, or communications entered through the Services using one or more of them. You will promptly inform us of any need to deactivate a Password or Sign-In Name, or change any Unique Identifier. askFundu will not be liable for any loss or damage caused by any unauthorized use of your account.

b. Brokerage Account. In order to use certain features of the Services, including authorizing Transactions (as defined below), Members must have an active account with a participating Third-Party Broker/Exchange (a “Brokerage Account”). Your Brokerage Account is subject to a separate agreement directly between you and the applicable Third-Party Broker. Under no circumstances will we have any liability for your Brokerage Account. You further acknowledge that we have no control over Third-Party Brokers/Exchanges and that you may be charged fees by the Third-Party Broker/Exchange. We are not responsible for any Third-Party Broker/Exchange fees. You are solely responsible for your use of the Third-Party Brokers/Exchanges’ services, and you agree to comply with all terms and conditions applicable to such services as required by the applicable Third-Party.

c. Transactions. The Services allow Members to purchase and sell certain Investments through their Brokerage Account (each, a “Transaction”). To enable you to make Transactions through the Services, you will be required to link your Brokerage Account to the Services. askFundu processes Transaction requests according to the instructions it receives from its Members. By initiating a Transaction on the Services, you hereby authorize askFundu to communicate with the applicable Third-Party Broker/Exchange on your behalf and to send a message of the Transaction through to your Brokerage Account. Acceptance and execution of any Transaction is in the sole control and discretion of your Third-Party Broker/Exchange. Once a Transaction has been completed, the Investments will be placed in (or removed from) your Brokerage Account, and will be reflected in your Services account. askFundu does not collect any funds, execute any Transactions, or otherwise act as a broker-dealer or cryptocurrency exchange, money transmitter, money services business, bank account, brokerage account, or other financial account. askFundu merely communicates your purchase authorizations to Third-Party Broker/Exchange that

complete the Transactions on your behalf. Although you may be able to find information about investment opportunities through the Services, we are not a party to any Transaction regarding any such opportunity. We strongly recommend that in connection with each Transaction, Members conduct their own due diligence. All messages sent using the Services are self-directed by you to your Third-Party Broker/Exchange . All orders are executed by Third-Party Brokers/Exchanges where Members have an existing account, and askFundu is not responsible for the order routing or execution of any transaction. Any confirmations of such Transactions will be issued solely by the Member’s Third-Party Broker/Exchange. Members are solely responsible for any and all orders placed by them, and understand that all orders are unsolicited and based on their own investment decisions.

askFundu AND ITS AFFILIATES, EMPLOYEES, AGENTS, PRINCIPALS, OR REPRESENTATIVES DO NOT PROVIDE RECOMMENDATIONS OF ANY TRANSACTION OR ORDER, PROVIDE INVESTMENT ADVICE, ENDORSE ANY INVESTMENTS, PRODUCE OR PROVIDE RESEARCH TO ANY USER REGARDING ANY INVESTMENT, TRANSACTION OR ORDER, OR EXECUTE ANY TRANSACTIONS. (d)Materials. YOU UNDERSTAND AND AGREE THAT THE SERVICES INCLUDE INFORMATION AND MATERIALS PROVIDED BY OTHER MEMBERS. ALL STATEMENTS AND/OR OPINIONS EXPRESSED IN SUCH MATERIALS ARE SOLELY THE OPINIONS OF THE MEMBER PROVIDING SUCH MATERIALS. WE ARE NOT RESPONSIBLE, OR LIABLE TO YOU OR ANY THIRD PARTY, FOR THE CONTENT OR ACCURACY OF ANY SUCH MATERIALS. In addition: We make no attempt to confirm, and do not confirm, any Member’s purported identity. You are solely responsible for determining the identity and suitability of other Members with whom you may interact by means of the Services; We make no representations, offer no assurances, and do not investigate any Member’s background, history, course of dealing, morality, or character, and you understand and agree that you assume the risk of any encounter or interaction with any other Member of the Services. We encourage all Members to communicate directly with other Members through the tools available on the Services and to review their profile pages for more information; and We do not endorse any Members.

7.askFundu’S INTELLECTUAL PROPERTY.

askFundu and its licensors exclusively own all right, title and interest in and to the Services, including all associated intellectual property rights. You acknowledge that the Services are protected by copyright, trademark, and other

laws of the United States and foreign countries. You agree not to remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Services.

8. FEEDBACK.

We welcome feedback, comments and suggestions for improvements to the Services (“Feedback”). If you provide us with any Feedback, you grant to us a non-exclusive, transferable, worldwide, perpetual, irrevocable, fully-paid, royalty-free license, with the right to sublicense, under any and all intellectual property rights that you own or control to use, copy, modify, create derivative works based upon and otherwise exploit the Feedback for any purpose.

9. RIGHTS AND TERMS FOR APPS.

1. App License. If you comply with these Terms, askFundu grants to you a limited non-exclusive, non-transferable license, with no right to sublicense, to download and install the App on your personal computers, mobile handsets, tablets, wearable devices, and/or other devices and to run the App solely for your own personal non-commercial purposes. Except as expressly permitted in these Terms, you may not: (i) copy, modify or create derivative works based on the App; (ii) distribute, transfer, sublicense, lease, lend or rent the App to any third party; (iii) reverse engineer, decompile or disassemble the App (unless applicable law permits, despite this limitation); or (iv) make the functionality of the App available to multiple users through any means.

2. Additional Information: Apple App Store. This Section 12(b) applies to any App that you acquire from the Apple App Store or use on an iOS device. Apple has no obligation to furnish any maintenance and support services with respect to the App. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the App purchase price to you (if applicable) and, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App. Apple is not responsible for addressing any claims by you or any third party relating to the App or your possession and use of it, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation. Apple is not responsible for the investigation, defense, settlement and discharge of any third-party claim that your possession and use of the App

infringe that third party’s intellectual property rights. Apple and its subsidiaries, are third-party beneficiaries of these Terms, and upon your acceptance of the Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a terrorist-supporting country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties. You must also comply with any applicable third-party terms of service when using the App

DMCA/COPYRIGHT POLICY.

askFundu respects copyright law and expects its users to do the same. It is askFundu’s policy to terminate in appropriate circumstances account holders who repeatedly infringe or are believed to be repeatedly infringing the rights of copyright holders. Please see askFundu’s Copyright Policy at www.askFundu.com/copyright, for further information.

CONTACT INFORMATION.

If you have any questions or complaints about these Terms or the Services, please contact fundU at info@askfundu.com.

Our Features:

1. AskFundu Social: Connect with like-minded finance enthusiasts, engage in discussions, share ideas, and get valuable insights from the community. Interact, learn, and grow together.
   
2. AskFundu News: Stay updated with the latest financial and business news through our news aggregation platform. We provide summarized news articles in English and vernacular languages for quick consumption.
   
3. AskFundu Rooms: Schedule sessions with market experts from diverse finance backgrounds. Get personalized advice, learn from their expertise, and enhance your investment strategies.
   
4. Personalized Recommendations: Receive tailored investment recommendations based on your interests, risk profile, and portfolio details. Our AI-powered algorithms analyze your data to provide you with personalized insights.
   
5. Portfolio Tracking: Import and track your investment portfolios, including equities, crypto, bonds, and mutual
   

funds. Monitor your performance, set goals, and make informed decisions to optimize your investments.

At AskFundu, we leverage technology to provide you with a seamless and user-friendly experience. Our platform is designed to make financial management and decision-making more accessible, efficient, and less intimidating.

Join the AskFundu community and embark on a journey of financial empowerment. Let us help you navigate the complexities of the financial world, gain valuable insights, and make smarter financial decisions.

Together, we can build a stronger, financially inclusive future.