MASTER TERMS OF SERVICE AGREEMENT

CAIGNITE CANADA CONSULTING INC.
Business Number: 733153233TZ0001
Official Email: info@caignite.ca

Effective Date: April 15, 2024

1. INTRODUCTION AND ACCEPTANCE

This Master Terms of Service Agreement ("Agreement") is a legally binding agreement between Caignite Canada Consulting Inc. ("Caignite", "Company", "we", "us", or "our") and any individual, business, corporation, partnership, or legal entity ("User", "Client", "Subscriber", or "you") accessing, purchasing, subscribing to, or using any services provided by the Company.

The Services may include research reports, educational materials, market commentary, newsletters, analytics, alerts, digital content, communications, and related services.

By accessing or using the Services, you confirm that:

• You have read and understood this Agreement;
• You agree to be legally bound by these Terms;
• You have the legal capacity and authority to enter into this Agreement;
• Your electronic acceptance constitutes a valid agreement under applicable Canadian law.

If you do not agree with these Terms, you must discontinue use of the Services.

2. NATURE OF SERVICES

2.1 Educational and Informational Purpose

The Services are provided solely for informational and educational purposes.

The Company provides general information, research, commentary, and educational materials and does not guarantee any specific financial outcome.

2.2 No Investment or Professional Advice

Nothing provided by the Company constitutes:

• Personalized investment advice;
• Financial planning advice;
• Legal advice;
• Tax advice;
• Accounting advice;
• A recommendation to buy, sell, or hold any security or financial instrument.

The Company is not registered as an investment dealer, portfolio manager, financial advisor, or other regulated securities professional unless expressly stated otherwise.

Users are solely responsible for their own decisions and should consult qualified professionals before making financial decisions.

2.3 No Fiduciary Relationship

Use of the Services does not create any fiduciary, advisory, partnership, employment, agency, or professional relationship between the Company and the User.

3. DISCLAIMERS

The Services are provided on an "AS IS" and "AS AVAILABLE" basis.

To the maximum extent permitted by applicable law, the Company makes no warranties regarding:

• Accuracy or completeness of information;
• Availability or uninterrupted operation of Services;
• Financial results;
• Investment performance;
• Profitability;
• Avoidance of losses.

You acknowledge that financial markets involve risk and that losses, including loss of capital, may occur.

Past performance is not indicative of future results.

4. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, the Company shall not be liable for:

• Indirect damages;
• Consequential damages;
• Loss of profits;
• Trading losses;
• Business interruption;
• Loss of data;
• Loss of goodwill.

The Company's maximum aggregate liability arising from or relating to the Services shall not exceed the total amount paid by the Client to the Company during the twelve (12) months preceding the event giving rise to the claim.

Nothing in this Agreement limits any rights or remedies that cannot legally be excluded under applicable Canadian law.

5. PAYMENT TERMS AND REFUND POLICY

5.1 Payments

By purchasing Services, you authorize the Company to charge the selected payment method for applicable fees.

You are responsible for ensuring that payment information provided is accurate and that you have authorization to use the payment method.

5.2 Refund Policy

Except where required by applicable law or in cases of duplicate payments made in error, all purchases are final and non-refundable.

Because the Services may include immediate access to digital content, subscriptions, reports, educational materials, or other electronically delivered services, refunds are generally not provided for:

• Change of mind;
• Dissatisfaction with the Services;
• Failure to use the Services;
• Market performance outcomes;
• Personal financial losses;
• Cancellation after access has been provided.

5.3 Duplicate Payments

If you believe you have made a duplicate payment in error, you must contact the Company at info@caignite.ca with:

• Your account details;
• Transaction information;
• Proof of duplicate payment.

After verification, the Company may issue a refund for the duplicate amount.

5.4 Subscription Renewals

Where subscriptions automatically renew, the renewal frequency and applicable charges will be disclosed at the time of purchase.

You may cancel future renewals by submitting a cancellation request before the next billing date.

Cancellation prevents future charges but does not automatically create entitlement to refunds for previous billing periods unless required by applicable law.

6. INTELLECTUAL PROPERTY

All content, reports, materials, software, branding, methodologies, designs, and intellectual property provided by the Company remain the exclusive property of Caignite.

The Company grants users a limited, personal, non-exclusive, non-transferable license to access and use the Services for their intended purpose.

Users may not:

• Copy or redistribute Company materials;
• Resell Services;
• Share account access;
• Reverse engineer Company systems;
• Use materials for commercial purposes without permission.

7. ACCOUNT SECURITY

Users are responsible for maintaining the confidentiality of account credentials.

Users are responsible for all activity conducted through their accounts.

Unauthorized sharing or misuse may result in suspension or termination of access.

8. TERMINATION

The Company may suspend or terminate access to Services where it reasonably believes that a User:

• Violates these Terms;
• Misuses the Services;
• Engages in fraudulent activity;
• Breaches applicable laws.

Termination does not eliminate obligations relating to payments already due.

9. PRIVACY

The Company collects, uses, and stores personal information in accordance with applicable Canadian privacy laws.

Users should review the Company's Privacy Policy for information regarding:

• Information collected;
• Purpose of collection;
• Data retention;
• Third-party service providers;
• Privacy rights.

10. INDEMNIFICATION

You agree to indemnify and hold harmless the Company, its directors, officers, employees, contractors, and affiliates from claims arising from:

• Your misuse of the Services;
• Your violation of these Terms;
• Your violation of applicable laws;
• Your unlawful conduct.

This does not apply where prohibited by applicable law.

11. GOVERNING LAW

This Agreement shall be governed by the laws of the Province of Ontario and the applicable federal laws of Canada.

Any dispute shall be subject to the jurisdiction of the courts located in Ontario, Canada, unless applicable law requires otherwise.

12. FORCE MAJEURE

The Company shall not be responsible for delays or failures caused by circumstances beyond reasonable control, including:

• Natural disasters;
• Government actions;
• Internet failures;
• Cybersecurity incidents;
• Third-party service interruptions;
• Technical failures.

13. AMENDMENTS

The Company may update these Terms from time to time.

Material changes will be communicated through reasonable notice where required.

Continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

14. SEVERABILITY

If any provision of this Agreement is found invalid or unenforceable, the remaining provisions will continue in full effect.

15. ENTIRE AGREEMENT

These Terms constitute the complete agreement between the Company and the User regarding the Services and supersede prior communications or understandings relating to the subject matter.

16. ACKNOWLEDGEMENT

By accessing, purchasing, subscribing to, or using the Services, you acknowledge that:

• You have read and understood these Terms;
• You understand the risks associated with financial markets;
• You accept responsibility for your own decisions;
• You agree to be legally bound by this Agreement.

CAIGNITE CANADA CONSULTING INC.
info@caignite.ca