TERMS OF USE OF STOCKGPT PRODUCTS

Effective from October 1, 2025. Version 3.0

Article 1. Definition and scope of application

1.1 Definition

StockGPT / Service: An artificial intelligence (“AI”)-powered tool developed by Fintech AI, providing analytical information and insights related to the stock market, displayed through the StockGPT platform.

User / Customer: Any individual or organization that registers for and uses StockGPT’s services.

Account: A StockGPT user account created by the User/Customer to access the service.

Basic Query: A user’s request to StockGPT that does not require in-depth data or complex analytical algorithms.

Advanced Query: A user’s request that requires the use of in-depth financial data and/or complex analytical algorithms.

AI / Artificial Intelligence: Machine learning and natural language processing technologies integrated within StockGPT.

Personal Data: Any identifiable information related to an individual user as defined under applicable laws.

Content: All information, data, text, and images generated or displayed within the service.

1.2 Scope of application

These Terms apply to all users who access and use the StockGPT service, including both free and paid information. Users’ use of the StockGPT service means full acceptance of the contents of these Terms.

Article 2. Registration and account

2.1. Registration conditions

To use the service, Users need to:

• Have a valid account at StockGPT
• Provide accurate and complete information when registering
• Have a valid email address and phone number

2.2. Account Security

It is the user’s responsibility to:

• User’s StockGPT account login information and devices
• Do not share your account with others
• Be responsible for any damage caused by disclosing account information
• Immediate notification if unauthorized access is detected
• Update information when there is a change

Article 3. Service packages and payment

3.1 StockGPT Service Packages

• Free Package: initial registration free service package. Users are given in-depth questions a certain number of times and unlimited number of regular questions per month, depending on the policy at each time. Users can register to buy additional in-depth questions according to the price list of StockGPT services announced at each time. The minimum number of in-depth consultations purchased each time is 5.
• Plus Package: service package with monthly/quarterly/yearly subscription fee. Users are allowed to ask in-depth questions a certain number of times and there is no limit to the number of regular questions per month, depending on the policy at each time. Users can register to buy additional in-depth questions according to the StockGPT service price list announced at each time. The minimum number of in-depth consultations purchased each time is 5.
• Pro Package: service package with monthly/quarterly/yearly subscription fee. Users are allowed to ask in-depth questions a certain number of times and there is no limit to the number of regular questions per month, depending on the policy at each time. Users can register to buy additional in-depth questions according to the StockGPT service price list announced at each time. The minimum number of in-depth consultations purchased each time is 5.

3.2 Service package billing cycle

• The payment cycle of the service package (also known as the service package term) of StockGPT is as follows:
  + Free package: monthly.
  + Plus Package: monthly, quarterly, yearly.
  + Pro Package: monthly, quarterly, yearly.
• The service package payment will not automatically renew. Users must actively renew the service package before it expires. Users will be notified when the service package is about to expire.
• If not renewed, the paid service package will expire and switch to the Free package.

3.3 Payment method

Users make payments for StockGPT service packages through the payment gateway integrated on the application, including the following methods:

• Domestic cards: ATM, Debit Card of Vietnamese banks.
• International cards: Visa, MasterCard, JCB.
• E-wallet: E-wallets are supported through payment gateways.
• QR payment code.
• Electronic wallet.

Depending on the business policy at the time, the above payment methods may change accordingly and will be updated on the payment interface of the StockGPT platform.

3.4 Transaction processing

a. Select service package and payment

• Users choose the desired service package and cycle.
• Users are redirected to the payment gateway and proceed to enter payment information

b. Transaction processing

• Success: Service activated within 5 minutes.
• Failure: Display error message, allow retry
• Undetermined: System automatically updates status

c. Confirmation and activation

• Users receive payment confirmation via email.
• Service package is activated within 5 minutes
• Electronic invoices are sent in accordance with the law.

3.5. Mechanisms related to service packages

a. Cancel service package

• Users can cancel the service package they are using when their needs change. Users select “Cancel Package” on the application and confirm the cancellation. Once the package is canceled, users will continue to use the remaining consultations until the end of the package. After that, users will be transferred to the Free package or can proceed to purchase a new service package.
• Users will not be refunded for unused time of the old package.

b. Change service package

• Users can change service packages (for example from Plus – Quarterly package to Pro – Yearly package) when needed.
• Users need to cancel the current package before registering for a new package. Users will be able to register for a new package when they have used up all the in-depth consultations of the canceled package or when the canceled package expires.

3.6 Other policies related to package registration activities

• Price, payment cycle, number of regular questions, number of in-depth questions depend on Fintech AI’s policy at the time and are clearly shown on the application for users to understand.
• The fee that the user has paid when registering for the service package will not be refunded, unless otherwise notified by StockGPT to the User.

3.7. Examples of StockGPT service packages

Below is an example of the price list of StockGPT service packages according to different payment cycles (package terms). Depending on the policy at the time, the price and details of the service package will change and will be clearly shown on the application/website for users.

Article 4. User rights and obligations

4.1 User Rights

• Access and use services according to registered packages
• Get technical support and answer questions
• Protect personal information according to the law
• Complaints and requests for handling when there is a problem
• Cancel service package according to regulations

4.2 User Obligations

• Provide accurate information when registering and update when there are changes
• Pay service fees in full and on time
• Keep account information confidential and do not share it with others
• Use the service for the right purpose and comply with the law
• Cooperate in the complaint handling process
• Take responsibility for investment decisions

4.3 Prohibited Conduct

• Use the service for illegal or fraudulent purposes
• Create multiple accounts to abuse free offers or services
• Share, sell or transfer your account to a third party
• Copy, distribute or commercially use StockGPT content
• Attempt to hack, sabotage or interfere with the system
• Use bots, scripts or automated tools to access the service
• Posting harmful, spam or illegal content
• Impersonating or providing false information
• Collecting other users’ information without permission

Violation of the above regulations may result in account suspension or termination without refund.

Article 5. Intellectual property rights

5.1 Ownership

All content, data, technologies, algorithms, interfaces, trademarks, logos, and designs within StockGPT are the intellectual property of Fintech AI and its authorized licensors, including but not limited to:

• Source code, AI algorithms, and backend models.

• Databases, analytical frameworks, and interface designs.

• Trademarks, service marks, and logos.

• Documentation, training, and support materials.

5.2 User License

Users may:

• Access and use StockGPT for personal, non-commercial purposes.

• Download and print analytical reports for personal reference.

• Share analytical results with clear citation to “StockGPT.”
  Users may not copy, reproduce, redistribute, sell, or use any content for commercial purposes without written consent.

5.3 User-Generated Content

Users retain ownership of the data and queries they submit.
By using the service, users grant Fintech AI permission to store, process, and reuse this data for product improvement, service provision, or verification purposes.

Article 6. Complaints and Support

6.1 Submission Channels

Users may contact StockGPT for support or complaints via:

• Primary channel: “Support” section within the StockGPT app.

• Alternative channel: Directly contact the assigned account manager or business representative.

Required information includes:

• Full name of the account holder.

• Account number.

• Registered phone or email.

• Description of issue (with screenshots/videos if applicable).

• Time of occurrence.

6.2 Handling Process

Complaints will be categorized and addressed promptly depending on their nature.
Complex issues may be escalated to technical or product teams for detailed investigation.
StockGPT may contact the User for additional information if required.

Article 7. Responsibilities of Fintech AI

7.1 Product Quality and Service Commitment

• Fintech AI commits to delivering a professionally developed, high-quality product ensuring core features as described.

• StockGPT Copilot (AI Chatbot): Uses Natural Language Processing (NLP) to answer advanced financial and stock-related questions, and provide market data such as stock prices and financial ratios.

• Fintech AI will maintain system uptime except for maintenance or force majeure situations (e.g., system upgrades).

7.2 Technical Support and Maintenance

• Fintech AI is responsible for handling all technical issues and user complaints related to StockGPT.

• All software bugs and technical faults caused by Fintech AI will be promptly fixed at no cost to users.

7.3 Data Security and Privacy

• Fintech AI ensures strict confidentiality of all Customer Data and Confidential Information.

• Personal Data is collected, stored, and processed in full compliance with Vietnamese data protection laws and internal Fintech AI policies.

• No malicious code, malware, or harmful component shall be introduced into customer systems.

7.4 Legal Compliance

Fintech AI guarantees that StockGPT complies with applicable laws, including those related to data protection, cybersecurity, and financial information services.