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Terms Of Service

Last Updated: April 13, 2026

Understand Stock, Inc. ("Understand Stock," "Company," "we," "us," or "our"), including each of its affiliates and subsidiaries, is willing to license the Software (defined below) to you ("User," "you," or "your") only upon the condition that you accept all of the terms contained in this End User License Agreement ("EULA" or "Agreement"). This EULA is a legal agreement between you and Understand Stock. Read it carefully before completing the installation process and/or using the Software.

BY INSTALLING, ACCESSING, OR USING THE SOFTWARE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THE TERMS OF THIS EULA. IF YOU AGREE TO THESE TERMS ON BEHALF OF A COMPANY OR OTHER LEGAL ENTITY, YOU REPRESENT THAT YOU HAVE THE LEGAL AUTHORITY TO BIND THE LEGAL ENTITY TO THESE TERMS. IF YOU DO NOT HAVE SUCH AUTHORITY, OR IF YOU DO NOT WISH TO BE BOUND BY THE TERMS, YOU MAY NOT INSTALL, ACCESS, OR USE THE SOFTWARE.

1. DEFINITIONS

1.1 "Software" means Understand Stock's platforms and APIs, including but not limited to the Understand Stock website (https://understandstock.com), the Understand Stock mobile applications for iOS and Android, and any other software, updates, patches, bug fixes, or error corrections provided by Understand Stock, together with any associated data, media, files, user manuals, programming guides, signals, messages, alerts, and other documentation provided to you by Understand Stock or otherwise made available through the Software.

1.2 "License" means the limited, revocable, non-sublicensable, non-exclusive, non-transferable right to use the Software granted to you under this EULA.

1.3 "Content" means all data, text, graphics, charts, images, video, audio, code, user interface design, financial data, metrics, analyses, signals, and other information or materials made available through the Software.

1.4 "Subscription" means a paid plan that provides access to premium features of the Software, as described on the Understand Stock website or within the Software.

1.5 "Third-Party Materials" means any third-party software, data, content, services, or materials that are integrated with, linked from, or otherwise made accessible through the Software.

2. ELIGIBILITY AND AGE REQUIREMENTS

2.1 You must be at least eighteen (18) years of age to use the Software. By using the Software, you represent and warrant that you are at least eighteen (18) years old and have the legal capacity to enter into this Agreement.

2.2 The Software is not directed to individuals under the age of eighteen (18). If we become aware that a user is under eighteen (18), we will terminate their account and delete their data.

2.3 The Software is not intended for distribution to, or use by, any person in any country or jurisdiction where such distribution or use would be contrary to local law or regulation. It is your responsibility to comply with all applicable local, state, national, and international laws and regulations.

3. NOT INVESTMENT ADVICE — IMPORTANT DISCLAIMER

3.1 THE SOFTWARE IS A STOCK RESEARCH AND INFORMATIONAL TOOL. NOTHING CONTAINED IN THE SOFTWARE CONSTITUTES INVESTMENT ADVICE, A RECOMMENDATION OR SOLICITATION TO BUY, SELL, OR HOLD ANY SECURITY, FINANCIAL PRODUCT, OR INSTRUMENT, OR TO ENGAGE IN ANY SPECIFIC INVESTMENT STRATEGY.

3.2 UNDERSTAND STOCK IS NOT A REGISTERED INVESTMENT ADVISER, BROKER-DEALER, FINANCIAL PLANNER, FINANCIAL ANALYST, OR SECURITIES PROFESSIONAL. UNDERSTAND STOCK DOES NOT PROVIDE PERSONALIZED INVESTMENT ADVICE OR FINANCIAL PLANNING SERVICES.

3.3 ALL CONTENT PROVIDED THROUGH THE SOFTWARE — INCLUDING BUT NOT LIMITED TO FINANCIAL DATA, STOCK ANALYSES, VALUATION METRICS, SCORES, RATINGS, SIGNALS, AND ALERTS — IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. SUCH CONTENT IS PROVIDED "AS IS" AND SHOULD NOT BE RELIED UPON AS THE SOLE BASIS FOR ANY INVESTMENT DECISION.

3.4 YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN INVESTMENT DECISIONS. YOU SHOULD CONSULT WITH A QUALIFIED FINANCIAL ADVISER, ACCOUNTANT, OR OTHER PROFESSIONAL BEFORE MAKING ANY INVESTMENT DECISIONS. INVESTING IN SECURITIES INVOLVES RISK, INCLUDING THE POTENTIAL LOSS OF PRINCIPAL.

3.5 PAST PERFORMANCE OF ANY SECURITY, MARKET SECTOR, OR INVESTMENT STRATEGY IS NOT INDICATIVE OF FUTURE RESULTS. ANY HISTORICAL DATA, PROJECTIONS, ESTIMATES, OR FORWARD-LOOKING STATEMENTS PROVIDED IN THE SOFTWARE ARE NOT GUARANTEES OF FUTURE PERFORMANCE.

3.6 ANY AND ALL DATA PROVIDED BY UNDERSTAND STOCK IS STRICTLY FOR DISPLAY AND INFORMATIONAL USE ONLY, UNLESS OTHERWISE CLEARLY STATED IN A SEPARATE WRITTEN PRODUCT AGREEMENT. USE OF THE DATA IN ANY OTHER FORM OR MANNER IS A VIOLATION OF THIS EULA. UNDERSTAND STOCK RESERVES THE RIGHT TO REPORT UNAUTHORIZED USAGE OF PROPRIETARY DATA PRODUCTS TO THE APPLICABLE EXCHANGE(S) AND/OR DATA PROVIDERS, ALONG WITH ALL INFORMATION REGARDING SUCH ACCOUNT.

4. GRANT OF LICENSE

4.1 Subject to your compliance with all terms and conditions of this EULA, Understand Stock grants you a limited, revocable, non-sublicensable, non-exclusive, non-transferable License to install, use, access, display, and run the Software on any computer or mobile device that you own or control, for personal, non-commercial use.

4.2 If you and Understand Stock have entered into a separate written agreement governing commercial use of the Software, the terms of that agreement shall control to the extent of any conflict with this EULA.

5. SCOPE AND LIMITATIONS

5.1 You may not rent, lease, lend, sell, redistribute, reuse, retransmit, sublicense, or otherwise commercially exploit the Software or any Content without explicit prior written permission from Understand Stock.

5.2 You may not copy (except as expressly permitted by this EULA), decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the Software, any updates, or any part thereof, including but not limited to the Content. Any attempt to do so is a violation of the rights of Understand Stock.

5.3 You shall not use, or permit anyone to use, the Software for any unlawful or unauthorized purpose, including but not limited to any use that violates applicable securities laws or regulations.

5.4 The terms of this EULA will govern any upgrades, updates, or new versions provided by Understand Stock that replace and/or supplement the original Software, unless such upgrade is accompanied by a separate license, in which case the terms of that separate license will govern.

6. SUBSCRIPTIONS, PAYMENTS, AND BILLING

6.1 Certain features of the Software may require a paid Subscription. Subscription plans and pricing are described on the Understand Stock website and within the Software.

6.2 If you purchase a Subscription through the Apple App Store or Google Play Store (each, an "App Store"), payment will be processed through your App Store account. Billing, renewals, and cancellations for App Store purchases are governed by the applicable App Store's terms and policies.

6.3 Subscriptions purchased directly through the Understand Stock website will be billed on a recurring basis (monthly or annually, as selected) and will automatically renew at the end of each billing period unless you cancel before the renewal date. You may cancel your Subscription at any time through your account settings.

6.4 Understand Stock reserves the right to change Subscription pricing at any time. Price changes for existing subscribers will take effect at the beginning of the next billing period following notice of the change. If you do not agree to a price change, you may cancel your Subscription before the new pricing takes effect.

6.5 Refunds for Subscriptions purchased through an App Store are subject to the applicable App Store's refund policy. Refunds for Subscriptions purchased directly through the Understand Stock website are handled at Understand Stock's discretion, except as required by applicable law.

6.6 Free trials, if offered, will automatically convert to a paid Subscription at the end of the trial period unless you cancel before the trial expires. You will be notified of the applicable charges before any conversion.

7. ACCOUNT REGISTRATION AND SECURITY

7.1 You may be required to create an account to access certain features of the Software. You agree to provide accurate, current, and complete information during registration and to keep your account information up to date.

7.2 You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify Understand Stock immediately of any unauthorized use of your account.

7.3 Understand Stock reserves the right to suspend or terminate any account that it reasonably believes has been compromised or is being used in violation of this EULA.

8. PRIVACY AND DATA COLLECTION

8.1 Your use of the Software is subject to Understand Stock's Privacy Policy, available at https://understandstock.com/privacy, which is incorporated into this EULA by reference.

8.2 You agree that Understand Stock may collect and use technical data and related information, including but not limited to device identifiers, operating system information, IP address, usage analytics, and information about your computer, system, application software, and peripherals, for the purposes of facilitating the provision of Software updates, product support, analytics, and other services related to the Software.

8.3 Understand Stock may use third-party analytics tools and services that collect, monitor, and analyze usage data to improve the Software. Information collected by these tools is subject to the respective third party's privacy policy.

8.4 For users subject to the California Consumer Privacy Act (CCPA), the General Data Protection Regulation (GDPR), or other applicable data protection laws, please refer to the Privacy Policy for details on your rights, including rights to access, delete, or opt out of the sale of your personal information.

9.1 The Software may contain links to third-party websites or services. Understand Stock does not control, endorse, or assume any responsibility for any Third-Party Materials, including the content, privacy policies, or practices of any third-party sites or services.

9.2 You acknowledge and agree that Understand Stock shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any Third-Party Materials.

9.3 Certain third-party information transmitted through the Software may require additional approvals by the vendor or third party supplying such information. You are responsible for obtaining any required approvals and paying any associated fees.

9.4 When using the Software, you must comply with all applicable third-party terms of agreement, including but not limited to your wireless data service agreement, internet service provider terms, and any other agreements governing the devices, networks, or services you use to access the Software.

10. INTELLECTUAL PROPERTY

10.1 You acknowledge that the Software and all Content are protected by copyright, trademark, patent, trade secret, and other intellectual property laws. All right, title, and interest in and to the Software and Content are and shall remain the sole property of Understand Stock and its third-party licensors, where applicable.

10.2 You receive no rights, title, or interest in the Software or any Content except the limited License expressly granted under this EULA.

10.3 You agree not to challenge Understand Stock's or any third-party licensor's rights in or otherwise attempt to assert any rights in the Software or Content, except those expressly provided under this EULA.

10.4 Understand Stock's name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Understand Stock. You may not use such marks without the prior written permission of Understand Stock.

11. USER INDEMNIFICATION

11.1 You agree to indemnify, defend, and hold harmless Understand Stock, its affiliates, subsidiaries, officers, directors, employees, agents, licensors, and third-party content providers from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising from or related to:

(a) Your use or misuse of the Software;

(b) Your violation of this EULA;

(c) Your violation of any applicable law, rule, or regulation, including but not limited to securities laws;

(d) Your investment decisions or financial losses, regardless of whether such decisions were informed by Content in the Software;

(e) Any content, data, or materials you submit, post, or transmit through the Software; or

(f) Your infringement of any third party's rights, including intellectual property rights.

12. RISKS

12.1 As a condition of this License, you understand and agree that your access to and use of the Software will expose you to risks associated with the use of software, including but not limited to failure of or damage to hardware, software, communication lines or systems, and other computer equipment.

12.2 You agree to accept such risks and agree to fully indemnify, defend, and hold harmless Understand Stock from any and all damages, liabilities, losses, costs, and expenses that may arise therefrom.

13. SERVICE AVAILABILITY

13.1 Understand Stock reserves the right to modify, suspend, or discontinue the Software or any feature or functionality thereof, in whole or in part, at any time, with or without notice, and without liability to you.

13.2 Understand Stock does not guarantee that the Software will be available at all times or that access will be uninterrupted. The Software may be subject to scheduled or unscheduled downtime for maintenance, updates, or other purposes.

13.3 Understand Stock shall not be liable for any modification, suspension, or discontinuation of the Software or any part thereof.

14. TERMINATION

14.1 The License granted under this EULA may be terminated by Understand Stock at any time, with or without cause, upon notice to you at the email address associated with your account. Understand Stock reserves the right to terminate immediately and without notice if you fail to comply with any term of this EULA.

14.2 You may terminate this EULA at any time by deleting your account and ceasing all use of the Software.

14.3 Upon termination, for any reason:

(a) All rights and licenses granted to you under this EULA shall immediately cease;

(b) You shall cease all use of the Software;

(c) You shall destroy all copies, full or partial, of the Software in your possession or control.

14.4 Termination of your License shall not affect any Subscription charges already incurred or any obligations that by their nature are intended to survive termination, including but not limited to Sections 3, 5, 10, 11, 15, 16, 17, and 18.

14.5 In the event that any agreement between Understand Stock and a third-party provider of information or software is terminated, Understand Stock will cease providing such information or software to you immediately and without notice. Neither Understand Stock nor any third-party provider shall have any liability to you in connection with such cessation.

15. DATA RETENTION AND DELETION

15.1 Upon termination of your account, Understand Stock will retain your personal data for a reasonable period as necessary to comply with legal obligations, resolve disputes, and enforce this EULA.

15.2 You may request deletion of your personal data at any time by contacting [email protected]. Understand Stock will process deletion requests in accordance with its Privacy Policy and applicable law, subject to any legal retention obligations.

16. NO WARRANTY

THE SOFTWARE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. UNDERSTAND STOCK AND ITS THIRD-PARTY CONTENT PROVIDERS, THIRD-PARTY LICENSORS, AND THEIR RESPECTIVE AFFILIATES EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

(a) IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT;

(b) ANY WARRANTY THAT THE SOFTWARE WILL MEET YOUR NEEDS OR THAT YOUR USE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE;

(c) ANY WARRANTY THAT DEFECTS OR INACCURACIES WILL BE CORRECTED;

(d) ANY WARRANTY REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY CONTENT, INCLUDING FINANCIAL DATA, STOCK ANALYSES, VALUATIONS, METRICS, OR SIGNALS PROVIDED THROUGH THE SOFTWARE;

(e) ANY WARRANTY THAT THE RESULTS OBTAINED FROM THE USE OF THE SOFTWARE WILL BE ACCURATE OR RELIABLE.

NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY UNDERSTAND STOCK OR ITS AUTHORIZED REPRESENTATIVES SHALL CREATE A WARRANTY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATIONS ON APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO SOME OR ALL OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, THE WARRANTIES ARE LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

17. LIMITATION OF LIABILITY

17.1 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL UNDERSTAND STOCK, ANY THIRD-PARTY CONTENT PROVIDER, ANY THIRD-PARTY LICENSOR, OR ANY OF THEIR RESPECTIVE AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR:

(a) ANY PERSONAL INJURY, OR ANY INCIDENTAL, SPECIAL, INDIRECT, CONSEQUENTIAL, OR PUNITIVE DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, LOSS OF GOODWILL, INVESTMENT LOSSES, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES;

(b) ANY LOSSES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SOFTWARE, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE), EVEN IF UNDERSTAND STOCK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES;

(c) ANY INVESTMENT DECISIONS YOU MAKE, OR ANY FINANCIAL LOSSES YOU INCUR, WHETHER OR NOT SUCH DECISIONS WERE BASED ON CONTENT PROVIDED THROUGH THE SOFTWARE.

17.2 IN NO EVENT SHALL UNDERSTAND STOCK'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING UNDER OR RELATED TO THIS EULA EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU HAVE PAID TO UNDERSTAND STOCK IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00 USD).

17.3 UNDERSTAND STOCK SHALL NOT BE LIABLE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH IT DOES NOT HAVE DIRECT CONTROL, INCLUDING BUT NOT LIMITED TO: FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE, AND INTERNET); UNAUTHORIZED ACCESS; VIRUSES; THEFT; OPERATOR ERRORS; SEVERE OR EXTRAORDINARY WEATHER; FIRE; WAR; INSURRECTION; TERRORIST ACT; RIOT; LABOR DISPUTES; ACCIDENT; EMERGENCY; PANDEMICS; OR ACTION OF GOVERNMENT (COLLECTIVELY, "FORCE MAJEURE EVENTS").

17.4 SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY FOR PERSONAL INJURY OR FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OR ALL OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

18. DISPUTE RESOLUTION AND ARBITRATION

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

18.1 Informal Resolution. Before initiating any formal dispute resolution proceeding, you agree to first contact Understand Stock at [email protected] and attempt to resolve the dispute informally for at least thirty (30) days.

18.2 Binding Arbitration. If we cannot resolve the dispute informally, you and Understand Stock agree that any dispute, claim, or controversy arising out of or relating to this EULA or your use of the Software shall be resolved exclusively through final and binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, except as set forth below.

18.3 Class Action Waiver. YOU AND UNDERSTAND STOCK AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING.

18.4 Jury Trial Waiver. YOU AND UNDERSTAND STOCK HEREBY WAIVE ANY RIGHT TO A JURY TRIAL IN CONNECTION WITH ANY DISPUTE ARISING UNDER OR RELATED TO THIS EULA.

18.5 Small Claims Court Exception. Notwithstanding the foregoing, either party may bring an individual action in small claims court for disputes within the court's jurisdictional limits.

18.6 Injunctive Relief Exception. Nothing in this Section shall prevent Understand Stock from seeking injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or to prevent irreparable harm.

18.7 Arbitration Procedures. The arbitration shall be conducted in the English language. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. The arbitration shall take place in New Castle County, Delaware, or at another mutually agreed location, or by telephone or videoconference as permitted by the AAA rules.

18.8 Arbitration Fees. Understand Stock will pay all AAA filing fees and arbitrator fees for claims of $10,000 or less, unless the arbitrator determines that the claims are frivolous. If the claim exceeds $10,000, the parties shall share costs in accordance with the AAA rules.

18.9 Opt-Out. You may opt out of this arbitration provision by sending written notice to [email protected] within thirty (30) days of first accepting this EULA. Your notice must include your name, mailing address, and a clear statement that you wish to opt out of arbitration. If you opt out, disputes will be resolved in the courts specified in Section 19.

18.10 Severability. If the class action waiver in Section 18.3 is found to be unenforceable, then the entirety of this arbitration provision shall be null and void, and disputes shall be resolved in the courts specified in Section 19.

19. GOVERNING LAW AND JURISDICTION

19.1 This EULA and its enforcement shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles.

19.2 For any disputes not subject to arbitration under Section 18, you irrevocably agree to submit to the exclusive personal jurisdiction of the federal and state courts located in New Castle County, Delaware, and you hereby waive any objection to the convenience or propriety of venue therein.

19.3 Nothing herein shall prevent Understand Stock from bringing any action in the courts of any other jurisdiction for injunctive or other equitable relief.

19.4 This EULA shall inure to the benefit of Understand Stock's successors and assigns, whether by merger, consolidation, or otherwise.

20. APPLE APP STORE ADDITIONAL TERMS

20.1 If you downloaded or access the Software through the Apple App Store, the following additional terms apply:

(a) This EULA is between you and Understand Stock only, and not with Apple Inc. ("Apple"). Understand Stock, not Apple, is solely responsible for the Software and its content. This EULA may not provide for usage rules that conflict with the Apple Media Services Terms and Conditions.

(b) The license granted to you for the Software is limited to a non-transferable license to use the Software on any Apple-branded products that you own or control, as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions, except that the Software may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing.

(c) Understand Stock is solely responsible for providing any maintenance and support services with respect to the Software, as specified in this EULA or as required under applicable law. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Software.

(d) In the event of any failure of the Software to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any) for the Software. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation with respect to the Software, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be Understand Stock's sole responsibility.

(e) Understand Stock, not Apple, is responsible for addressing any claims by you or any third party relating to the Software or your possession and/or use of the Software, including but not limited to: (i) product liability claims; (ii) any claim that the Software fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.

(f) In the event of any third-party claim that the Software or your possession and use of the Software infringes that third party's intellectual property rights, Understand Stock, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.

(g) Apple and its subsidiaries are third-party beneficiaries of this EULA. Upon your acceptance of this EULA, Apple will have the right (and will be deemed to have accepted the right) to enforce this EULA against you as a third-party beneficiary.

(h) 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.

21. GOOGLE PLAY STORE ADDITIONAL TERMS

21.1 If you downloaded or access the Software through the Google Play Store, the following additional terms apply:

(a) This EULA is between you and Understand Stock only, and not with Google LLC ("Google"). Understand Stock, not Google, is solely responsible for the Software and its content.

(b) Your use of the Software must comply with Google Play's then-current Terms of Service.

(c) Google is only a provider of the Google Play Store where you obtained the Software. Google has no obligation or liability to you with respect to the Software or this EULA.

(d) Google is not responsible for addressing any claims by you or any third party relating to the Software or your possession and use of the Software.

22. GOVERNING LANGUAGE

22.1 Any translation of this EULA is done for local requirements or for your convenience. In the event of a dispute between the English and any non-English version, the English version shall govern, to the extent not prohibited by local law in your jurisdiction.

23. MODIFICATIONS TO THE EULA

23.1 Understand Stock reserves the right to modify the terms and conditions of this EULA at any time. Material changes will be communicated by posting the updated EULA on the Understand Stock website and/or by notifying you through the Software or via the email address associated with your account.

23.2 Your continued use of the Software after such modifications constitutes your acceptance of the updated EULA. If you do not agree to the modified terms, you must discontinue use of the Software and terminate your account.

23.3 You are responsible for regularly reviewing this EULA for any modifications.

24. GENERAL PROVISIONS

24.1 Entire Agreement. This EULA, together with the Privacy Policy and any applicable Subscription agreement, constitutes the entire agreement between you and Understand Stock regarding the Software and supersedes all prior or contemporaneous communications, proposals, and agreements, whether oral or written.

24.2 Severability. If any provision of this EULA is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.

24.3 Waiver. The failure of Understand Stock to exercise or enforce any right or provision of this EULA shall not constitute a waiver of such right or provision.

24.4 Assignment. Understand Stock may assign its rights and obligations under this EULA without your consent. You may not assign or transfer this EULA or any rights or obligations hereunder without the prior written consent of Understand Stock.

24.5 Notices. Understand Stock may provide you with notices, including those regarding changes to this EULA, by email, regular mail, or postings on the Understand Stock website or within the Software.

24.6 Headings. The section headings in this EULA are for convenience only and shall not affect the interpretation of this EULA.

24.7 Survival. Sections 3, 5, 10, 11, 15, 16, 17, 18, 19, and 24 shall survive any termination or expiration of this EULA.

25. CONTACT INFORMATION

If you have any questions, complaints, or claims with respect to the Software or this End User License Agreement, please contact us at:

Understand Stock, Inc. 8980 Four Seasons Drive Elk Grove, CA 95624 Phone: 916 698 1382 Email: [email protected] Website: https://understandstock.com

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