Last updated: November 6, 2025

1. IMPORTANT TERMS.

1.1. This Platform Agreement (the “Agreement”) is between Arta Tech Pte. Ltd. (“Arta,” “we,” “our,” or “us”) and you (“Customer,” “you,” or “your”) and governs your use of our website, mobile applications, and related services, including AI agents, portfolio tools, and data insights (collectively, the “Service”).
1.2. By using the Service, you agree to this Agreement, our Acceptable Use Policy, and our Privacy Policy (together, the “Terms”). If there is a conflict between this Agreement and any other component of the Terms, this Agreement controls.
1.3. We may update the Terms by posting updated Terms on our website or in the Service. Updates become effective when posted unless otherwise stated. For material updates (other than those required by law or related to new functionality or preview features), Arta will provide at least 15 days’ advance notice. Your continued use of the Service after an update becomes effective constitutes acceptance of the update.
1.4. The Service is a research and information tool; its output is AI-generated and may contain errors or be incomplete. Arta is not a fiduciary and does not provide investment, financial, or tax advice. All information and tools are for informational and educational purposes only and are not a substitute for professional advice. You are solely responsible for verifying and relying upon any output.

2. DEFINITIONS.

“Acceptable Use Policy” means Arta’s policy governing permitted use of the Service.
“Account” means your registered profile for accessing and using the Service.
“Advisor” means a licensed financial professional or organization that uses the Service to analyze or manage client data.
“Aggregated Data” means data that results from the combination or aggregation of Customer Data with other data so that it no longer identifies, and cannot reasonably be used to identify, an individual or Customer.
“AI Output” means the data, analysis, or text generated by the Service in response to your Input.
“Client Data” means any personal, financial, or other information relating to a client of an Advisor that is uploaded, transmitted, or otherwise made available through the Service by or on behalf of such Advisor. Client Data is a subset of Customer Data. Advisors are the data controllers of their Client Data, and Arta processes such data solely as a data processor or service provider in accordance with this Agreement and applicable law.
“Confidential Information” means non-public information disclosed by a party that is identified as confidential or should reasonably be understood to be confidential.
“Customer Data” means any information or content that you upload or provide to the Service, including Inputs, Client Data, and any personal or financial information.
“Documentation” means technical or other documentation provided by Arta regarding use of the Service.
“Effective Date” means the date you first use the Service.
“Embargoed Countries” means countries subject to U.S. and Singapore embargoes or sanctions or otherwise prohibited by applicable export laws.
“Feedback” means suggestions, enhancement requests, recommendations, corrections, or other feedback you provide relating to the Service.
“Input” means data, content, or instructions you provide to the Service.
“Output” means the AI-generated response, data, or results produced by the Service in response to Input.
“Personal Data” means any information relating to an identified or identifiable natural person.
“Privacy Policy” means Arta’s privacy statement as updated from time to time.
“Service” means Arta’s software offering available via https://arta.ai and related interfaces.
“Systems Data” means technical logs, diagnostics, and usage analytics collected by Arta to operate, secure, and improve the Service.
“Usage Data” means aggregated or anonymized data derived from your interactions with the Service that cannot reasonably identify you.
“You” or “Customer” means the individual or organization using the Service.

3. USAGE.

3.1. Access Rights. Subject to your compliance with the Terms, Arta grants you a limited, non-exclusive, non-transferable right to access and use the Service for your personal or advisory purposes in accordance with the Documentation.
3.2. Credentials. Access credentials are personal to you and may not be shared. You will take reasonable steps to prevent unauthorized use and promptly notify Arta of any suspected unauthorized access.
3.3. Restrictions. You may not (i) reverse engineer, decompile, or attempt to discover the source code or models; (ii) use the Service to build a competitive product or service; (iii) publicly benchmark or performance test without written consent; (iv) use automated means to scrape data except via approved APIs or tools; or (v) use the Service for illegal, harmful, or fraudulent purposes.
3.4. Feedback. You grant Arta a royalty-free, perpetual license to use Feedback to develop, improve, support, and operate the Service, provided Arta will not use Feedback to identify you or disclose your Confidential Information.

4. INPUTS, OUTPUTS, AND DATA HANDLING.

4.1. Ownership. As between you and Arta, you retain ownership of your Inputs, Customer Data, Client Data, and any AI Outputs generated for you. You grant Arta a limited, non-exclusive, worldwide license to process your Inputs, Customer Data, Client Data, and AI Outputs to: (a) provide and maintain the Service; (b) prevent or address technical or security issues; (c) develop, train, and improve Arta’s proprietary AI agents, orchestration layers, and agentic systems; (d) provide personalized features, insights, and notifications (such as alerts based on your portfolio holdings); and (e) analyze de-identified, Aggregated Data for analytics.
4.2. Advisor Accounts. For Advisor accounts, you represent and warrant that you have obtained explicit, verifiable consent from your clients to upload, process, or analyze their data through the Service. With respect to Client Data, you are the data controller, and Arta acts solely as a data processor, processing such data only on your documented instructions. Arta will not use or disclose Client Data except as necessary to provide the Service or as required by law. Advisors may request deletion of Client Data upon account termination.
4.3. Treatment of Inputs. Inputs may include personal, financial, or portfolio data you upload or enter into the Service. Arta processes Inputs to generate Outputs and deliver requested functionality. By using the Service, you provide Arta explicit consent to use your Inputs (such as portfolio data) to train and improve Arta’s proprietary agentic systems and orchestration layers to create derivative works that enhance your product experience. Your Inputs will not be used to train third-party foundational models.
4.4. Treatment of AI Outputs. AI Outputs are generated automatically and may include inaccuracies or omissions. You must independently verify all Outputs before relying on them. Arta provides Outputs on an “as is” basis and makes no warranties regarding their accuracy or completeness. Arta has no liability for losses arising from reliance on any AI Output.
4.5. Systems and Usage Data. Arta collects Systems Data (such as device identifiers, logs, and performance metrics) and Usage Data (aggregated, anonymized analytics) to maintain, secure, and enhance the Service. Systems and Usage Data will not be combined with identifiable Customer Data. Such data may be retained indefinitely for analytical and security purposes.
4.6. Privacy Protections. Arta applies commercially reasonable safeguards to protect Customer Data, Client Data, and Personal Data, including encryption in transit and at rest where applicable. Arta will not sell, rent, or disclose your data for third-party marketing. Processing is governed by the Privacy Policy and applicable law. Cross-border data transfers, if any, will comply with applicable privacy laws, including the PDPA where applicable.
4.7. Retention and Deletion. Arta retains Customer Data and Client Data only for as long as necessary to provide the Service or comply with legal obligations. Upon request, Arta will delete or anonymize your personal data unless continued retention is legally required. Aggregated Data may be retained indefinitely for analytics and improvement purposes.4.8. Data Rights and Requests. You may request access to, correction of, or deletion of your personal data processed by Arta. Advisors may request deletion of Client Data. Arta will respond in accordance with applicable privacy laws. Certain data may be retained as required for fraud prevention, security, or legal compliance.4.9. Third-Party Model Providers. To provide certain features, Arta’s orchestration layer may process Inputs using third-party AI model providers, who act as Arta’s sub-processors. Arta evaluates these sub-processors to ensure they meet robust security, confidentiality, and privacy standards, including compliance with applicable laws such as Singapore's PDPA. Arta maintains enterprise agreements with these sub-processors that contractually prohibit them from using your Inputs, Customer Data, or AI Outputs to train their models or for any purpose other than providing the contracted service to Arta.4.10. Use of Outputs. You may store, display, or share AI Outputs for personal or client use, subject to these Terms and applicable law. You may not represent Outputs as factual, guaranteed, or endorsed by Arta without written permission.

5. FEES AND PAYMENTS.

5.1. Subscription and Billing. If the Service offers paid features, subscription pricing and billing terms are disclosed at the point of purchase (for example, within the app, or Arta’s pricing page). By starting a subscription, you authorize Arta (or its payment processor) to charge the subscription amount and applicable taxes to your chosen payment method on a recurring basis until you cancel.
5.1.1. Changes to Fees and Tiers. Arta reserves the right to change the subscription fees, maximum credit amounts, or other terms for its payment tiers at any time. For existing subscribers, any such changes will take effect at the start of your next billing cycle.
5.2. Taxes. Fees are exclusive of taxes unless stated otherwise. You are responsible for any applicable taxes, duties, or similar governmental assessments, excluding taxes based on Arta’s income.
5.3. Disputes and Late Payments. If you believe a charge is incorrect, contact billing@arta.ai within 30 days. Undisputed past-due amounts may result in suspension of access after notice.
5.4. Cancellation and Refunds. You may cancel your subscription at any time through your account settings or the applicable app store settings. When you cancel, your subscription will remain active until the end of the current billing period, and the plan will automatically adjust from the next month. Payments already made for the current period are non-refundable unless otherwise required by law.

6. TERM AND TERMINATION.

6.1. Term. This Agreement takes effect as of the Effective Date and remains in effect until terminated by you or by Arta as permitted herein.
6.2. Suspension and Termination. We may suspend or terminate your access for violations of the Terms, for security reasons, or where required by law. Upon termination, your right to use the Service ends.

7. INDEMNIFICATION.

You will defend, indemnify, and hold harmless Arta and its affiliates from and against any third-party claim arising from or relating to (a) your Inputs, Customer Data, or Client Data; (b) your violation of law or these Terms; or (c) your gross negligence or willful misconduct, including reasonable attorneys’ fees and costs.

8. WARRANTY AND DISCLAIMER.

You warrant that you have the necessary rights in any Customer Data, Client Data, or Input you upload and that your use of the Service complies with applicable laws. EXCEPT AS EXPRESSLY STATED, THE SERVICE AND ANY OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” ARTA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ARTA DOES NOT WARRANT THAT THE SERVICE OR OUTPUTS WILL BE ACCURATE, COMPLETE, OR ERROR-FREE.

9. LIMITATIONS ON LIABILITY.

9.1. No Consequential Damages. To the maximum extent permitted by law, neither party will be liable for any indirect, incidental, special, exemplary, punitive, or consequential damages, including lost profits or revenue, arising out of or relating to this Agreement or the Service.
9.2. Liability Cap. Except for liabilities that cannot be limited by law, each party’s total aggregate liability arising out of or relating to this Agreement will not exceed the amounts you paid to Arta for the Service, if any, in the 12 months preceding the event giving rise to the claim.
9.3. AI Output Liability. Arta shall have no liability for actions you take based on AI Outputs or for any damages arising from reliance on such Outputs. You acknowledge that AI-generated information may be inaccurate or incomplete.

10. CONFIDENTIALITY; GOVERNING LAW; DISPUTE RESOLUTION; GENERAL.

10.1. Confidentiality. Each party, as Receiving Party, will use the same degree of care it uses to protect its own confidential information (but not less than reasonable care) to protect the other party’s Confidential Information, and will use it only for purposes of this Agreement. If legally compelled to disclose, the Receiving Party will (where legally permitted) provide advance notice to allow the Disclosing Party to seek protective treatment.
10.2. Governing Law; Arbitration. This Agreement is governed by the laws of Singapore. Any dispute will be resolved by binding arbitration in Singapore, in English, under the SIAC Rules. Judgment on the award may be entered in any court of competent jurisdiction. Nothing in this section prevents either party from seeking interim injunctive relief in a court of competent jurisdiction.
10.3. Assignment. You may not assign this Agreement without our consent. Arta may assign this Agreement to an affiliate or in connection with a merger, acquisition, or sale of assets.
10.4. Export Control. You will comply with all applicable export and import laws and regulations, including restrictions related to Embargoed Countries and restricted party lists.
10.5. Force Majeure. Neither party is liable for delays or failures due to causes beyond its reasonable control, excluding payment obligations.
10.6. Notices. Notices must be in writing and sent to legal@arta.ai and to the email associated with your account (for you).
10.7. Entire Agreement; Waiver; Severability. The Terms constitute the entire agreement between the parties regarding the Service and supersede prior or contemporaneous agreements on the subject matter. No waiver is effective unless in writing. If any provision is unenforceable, it will be limited to the minimum extent necessary so the remainder remains in effect.

Last Updated: November 6, 2025

This Privacy Policy explains how Arta Tech Pte. Ltd. (collectively, “Arta,” “we,” “us,” or “our”) collects, uses, discloses, and otherwise processes personal data in connection with its platform and related mobile applications (collectively, the “Services”). Arta is an organization under the Singapore Personal Data Protection Act 2012 (‘PDPA’). We collect, use, and disclose personal data in compliance with the PDPA and its subsidiary legislations.

This Policy applies to all users of the Services. If you have any questions or complaints about this Policy, please contact our DPO at privacy@arta.ai.

Click on the links below to jump to specific sections:

• INFORMATION WE COLLECT AND HOW WE COLLECT IT
• INFORMATION WE COLLECT AUTOMATICALLY
• INFORMATION WE COLLECT FROM OTHER SOURCES
• HOW WE USE YOUR INFORMATION
• DISCLOSURES OF INFORMATION
• THIRD-PARTY TRACKING AND ONLINE ADVERTISING
• YOUR CONTROLS
• ADDITIONAL US STATE PRIVACY RIGHTS
• DATA RETENTION
• DATA SECURITY
• DATA BREACHES
• CHILDREN
• CHANGES TO THIS POLICY
• HOW TO CONTACT US

1. INFORMATION WE COLLECT AND HOW WE COLLECT IT

We collect information you provide when you use our Services or otherwise communicate with us:

• Identity Data, such as your name, date of birth, marital status, social security number, photos of your face and government-issued identification documents, and other data on government-issued identification documents;
• Contact Data, such as your email address, mailing address, and telephone number;
• Financial Data, such as your investment holdings, which you may enter manually, and financial statements or other documents (e.g., PDFs, CSVs, screenshots) that you choose to upload for parsing and analysis. Information on these statements may include bank account details.
• Payment Data (collected by our third-party payment processor) and related transaction information
• Profile Data, such as your username and password, your knowledge assessment results, your interests, preferences, feedback, and survey responses;

Last Updated: November 6, 2025

We aim for our tools, including Sidekick, to be used safely and responsibly, while maximizing your control over how you use them. In building our Usage Policy, we keep a few important principles in mind.

• We empower users to innovate. We build tools that maximize helpfulness and freedom for the wealth management experience, while ensuring safety. This Usage Policy is one way we set clear expectations within a broader safety ecosystem.
• Responsible use is a shared priority. We assume the best of our users. Our terms and policies set a reasonable bar for acceptable use. These rules are no substitute for any legal requirements, professional duties, or ethical obligations that influence how people use our tools. Breaking or circumventing our rules and safeguards may mean you lose access to our systems.
• We build with safety first. We monitor and enforce policies with privacy safeguards in place. We publish what our systems can and can’t do and provide a simple way to report misuse.
• We update as we learn. People are using our systems in new ways every day, and we update our rules to ensure they are not overly restrictive and to better protect our users.

Your use of Arta AI services, including Sidekick, must follow this Usage Policy:

1. Compliance with Financial Services Regulations

This is our most important policy. Sidekick is an analytical and diagnostic tool, not a licensed financial advisor or fund manager. Its purpose is to provide data analysis, tools and reporting to facilitate a user's wealth management experience.

How you may use Sidekick depends on whether you are a licensed financial professional.

A. For All Users:

If you are not a licensed financial advisor, fund manager, or other regulated financial professional, you must not use Sidekick for any regulated activity for others. This includes:

• Providing financial advice, investment recommendations, or portfolio management services to any other person (whether for a fee or not).
• Representing, either explicitly or implicitly, that Sidekick is providing regulated financial advice.
• Using Sidekick's output as a direct "buy," "sell," or "hold" recommendation without seeking independent advice from a qualified professional or making an independent decision yourself understanding the full risks involved with using the output.Do not use Sidekick's output as a direct "buy," "sell," or "hold" recommendation. Always seek independent advice from a qualified professional or make your own informed decision, understanding the full risks associated with using the output.

Arta AI is developed by Arta Tech Pte. Ltd., a Singapore-based technology company and affiliate of Arta Finance Inc. (“Arta”). Arta AI is a software platform designed to support individuals, including wealth managers, financial advisors, and institutions with AI-powered tools for portfolio analysis, client engagement, and research automation.

Arta AI does not provide investment advice, solicitation, or recommendations. Arta Tech Pte. Ltd. is not licensed by the Monetary Authority of Singapore (MAS) or any other regulatory body to offer regulated financial advisory, fund management, or capital markets services. Therefore, users should not solely depend on Arta AI or its outputs for investment decisions. The platform serves to enhance, not substitute, professional judgment; users are advised to consult licensed financial professionals before undertaking any investment actions.

All content, insights, and analytics generated by Arta AI are provided for informational and educational purposes only. The platform’s outputs are based on models, data inputs, and user-provided information, which may not account for your specific investment objectives, financial situation, or needs. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. AI-driven analyses, including stress tests and Monte Carlo simulations, are probabilistic tools that cannot predict actual market outcomes.

All trademarks, trade names, logos, and software associated with Arta AI are the property of Arta Tech Pte. Ltd. or its affiliates.