MyAuditorAI, Inc. Terms of Service

1.1 Welcome to MyAuditorAI. MyAuditorAI, Inc. ("Company," "we," "us," or "our") operates MyAuditorAI, an artificial intelligence-powered audit, compliance, and financial analysis platform (the "Platform"). MyAuditorAI is designed to assist professionals and organizations in performing audit-related tasks, analyzing financial documents, monitoring regulatory compliance, and generating structured analytical reports through the use of advanced machine learning and AI-driven tools. 1.2 Binding Agreement. These Terms of Service (these "Terms"), together with our Privacy Policy and any supplemental agreements, order forms, or schedules incorporated herein by reference, constitute a legally binding agreement between you and the Company. By accessing, registering for, or otherwise using the Platform in any capacity — including browsing the Platform without registration — you expressly acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. 1.3 Eligibility. You represent and warrant that you are at least eighteen (18) years of age. If you are accessing or using the Platform on behalf of a corporation, limited liability company, partnership, association, or any other legal entity (collectively, an "Organization"), you further represent and warrant that you have full legal authority to bind such Organization to these Terms, and your agreement to these Terms shall be deemed an agreement by such Organization. In such case, the terms "you" and "your" shall refer to both you individually and the Organization. 1.4 Modifications and Continued Use. The Company reserves the right to modify, amend, or update these Terms at any time in accordance with Section 15 of these Terms. Your continued access to or use of the Platform following the effective date of any such modifications constitutes your binding acceptance of the revised Terms. If you do not agree to any modification, you must cease using the Platform immediately and may request termination of your Account in accordance with Section 12.

As used throughout these Terms, the following capitalized terms shall have the meanings set forth below: 2.1 "Company," "we," "us," or "our" means MyAuditorAI, Inc., a Delaware corporation, and its subsidiaries, affiliates, successors, and assigns. 2.2 "Platform" means the MyAuditorAI web-based application, application programming interfaces (APIs), mobile applications (if any), software tools, dashboards, reporting interfaces, documentation, and all related services operated, maintained, or made available by the Company. 2.3 "User," "you," or "your" means any individual, entity, or organization that accesses, browses, registers for, or otherwise uses the Platform, including without limitation Account holders, trial users, and Authorized Users. 2.4 "Account" means the registered user profile, associated login credentials, configuration settings, and organizational data established by a User upon registration on the Platform. 2.5 "Subscription" means a paid or free-trial plan, as applicable, that grants a User access to specified features and functionality of the Platform for a defined period, as further described in Section 6. 2.6 "AI Features" means the machine learning algorithms, artificial intelligence models, natural language processing components, automated analysis engines, and related AI-driven tools embedded within or accessible through the Platform that generate analytical Output, identify patterns, flag anomalies, and perform other intelligent processing functions. 2.7 "Content" means any data, text, financial records, audit files, documents, spreadsheets, images, metadata, or other materials that a User uploads, submits, transmits, or otherwise makes available through the Platform, as well as any Output generated by the Platform in connection with such materials. 2.8 "Confidential Information" means any non-public, proprietary, or sensitive information disclosed by one party to the other, whether orally, in writing, or through any other medium, that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure. Confidential Information does not include information that (a) is or becomes publicly available through no breach of these Terms; (b) was already known to the receiving party prior to disclosure; (c) is independently developed without reference to the disclosing party's information; or (d) is required to be disclosed by applicable law or court order. 2.9 "Authorized Users" means the employees, contractors, consultants, or other personnel of a subscribing Organization who are expressly authorized by the Account Administrator to access and use the Platform under a shared or enterprise Subscription plan. 2.10 "Output" means any reports, summaries, analytical findings, compliance assessments, risk flags, recommendations, visualizations, or other results generated by the Platform's AI Features or other automated tools based on Content submitted by a User.

3.1 Description of Services. Subject to these Terms, the Company provides access to the Platform, which offers the following core capabilities: (a) AI-driven audit assistance and automated audit workflow management; (b) financial document ingestion, parsing, and analysis; (c) compliance monitoring and regulatory risk identification; (d) anomaly detection and risk flagging within financial datasets; and (e) structured reporting and Output generation. The specific features available to a User depend on the Subscription tier to which the User has subscribed, as further described in Section 6. 3.2 Subscription Basis. Access to the Platform is provided on a subscription basis. All services are subject to the terms, conditions, feature limitations, and usage thresholds of the applicable Subscription plan. The Company reserves the right to establish and adjust usage limits, feature access, and processing capacity across Subscription tiers as described in Section 6. 3.3 Modification of Features. The Company reserves the right, in its sole discretion, to modify, enhance, suspend, or discontinue any feature, functionality, or component of the Platform at any time. Where such changes are material in nature, the Company shall use commercially reasonable efforts to provide Users with advance notice of not less than thirty (30) days via email or in-app notification. Continued use of the Platform following implementation of any such change constitutes acceptance of the modified service offering. The Company shall not be liable to any User for any modification, suspension, or discontinuation of any Platform feature. 3.4 Beta Features. From time to time, the Company may make certain features or functionality available to Users on a beta, preview, or early-access basis ("Beta Features"). Beta Features are experimental in nature, are provided strictly on an "as-is" and "as-available" basis without any representation, warranty, or commitment of any kind, and may be subject to additional terms. The Company reserves the right to modify, suspend, or discontinue any Beta Feature at any time without notice or liability. 3.5 Decision-Support Tool — Not a Licensed Audit Firm. The Platform is a technology-based decision-support tool. MyAuditorAI, Inc. is not a licensed certified public accounting (CPA) firm, registered audit firm, law firm, or financial advisory firm. The Platform does not provide licensed auditing services, legal advice, tax advice, or investment advice as those terms are defined under applicable professional standards and licensing laws. Users are solely responsible for engaging qualified licensed professionals for any statutory audit, legal, tax, or regulatory compliance engagements.

4.1 Registration Requirements. To access the features of the Platform, you must create an Account by completing the registration process. You agree to provide accurate, current, and complete information during registration, and to promptly update such information as necessary to ensure that your Account information remains accurate, current, and complete at all times. The Company reserves the right to reject any registration or suspend any Account where registration information is found to be inaccurate, misleading, or incomplete. 4.2 Credential Confidentiality. You are solely responsible for maintaining the confidentiality and security of your Account login credentials, including your username and password. You agree to take all reasonable precautions to prevent unauthorized access to your Account, including using a strong, unique password and enabling any multi-factor authentication features made available by the Company. 4.3 Prohibition on Unauthorized Sharing. You must not share your Account credentials or permit any individual who is not an Authorized User (as defined in Section 2.9 and designated by your Account Administrator) to access the Platform using your Account. Each Account or user seat is intended for use by a single designated individual or, in the case of enterprise accounts, a defined set of Authorized Users. 4.4 Unauthorized Access Notification. You agree to notify the Company immediately at security@myauditorai.com upon becoming aware of any actual or suspected unauthorized access to your Account, disclosure of your credentials, or any other breach of Account security. The Company shall not be liable for any loss or damage arising from unauthorized access to your Account resulting from your failure to maintain credential confidentiality or your failure to promptly notify the Company of a known or suspected breach. 4.5 Account Suspension and Termination. The Company reserves the right to suspend, restrict, or terminate any Account at any time, with or without prior notice, if the Company reasonably believes that such Account is being used in violation of these Terms, applicable law, or in a manner that poses a risk to the Company, other Users, or third parties. Account suspension for violation of these Terms does not entitle the User to any refund of prepaid Subscription fees except as expressly required by applicable law. 4.6 Account Administrator. Organizations subscribing to multi-user or enterprise Subscription plans must designate at least one individual as the Account Administrator. The Account Administrator is responsible for (a) managing Authorized User access and permissions; (b) ensuring all Authorized Users comply with these Terms; (c) maintaining accurate organizational billing and contact information; and (d) serving as the primary point of contact with the Company for account-level matters. The Organization is fully responsible and liable for all acts and omissions of its Authorized Users.

5.1 Data Accuracy. You are solely responsible for ensuring that all data, documents, financial records, and other Content you submit to the Platform are accurate, complete, and current. The Company does not independently verify the accuracy or integrity of Content submitted by Users, and the quality of Output generated by the Platform is directly dependent upon the quality of the Content provided. The Company shall bear no responsibility for errors in Output attributable to inaccurate, incomplete, or fraudulent Content. 5.2 Content Legality. You represent and warrant that (a) you have the full legal right, license, authority, and permission to upload, transmit, and submit all Content to the Platform; (b) your Content does not infringe, misappropriate, or violate the intellectual property rights, privacy rights, or other rights of any third party; (c) your Content does not violate any applicable law, regulation, or court order; and (d) your use of the Platform in connection with your Content complies with all applicable laws and regulations in your jurisdiction. 5.3 Rights to Uploaded Documents. You must ensure that you hold all necessary rights, consents, authorizations, and permissions to upload and process all documents through the Platform, including without limitation documents containing third-party proprietary data, personal information of data subjects, or information subject to confidentiality agreements. By uploading Content, you represent that doing so does not violate any third-party agreement, obligation, or applicable law. 5.4 Legal Compliance. You agree to use the Platform strictly in compliance with all applicable federal, state, local, and international laws, statutes, regulations, and regulatory guidelines, including those governing data protection, financial regulation, anti-money laundering, securities laws, and professional licensing. You are solely responsible for determining whether your use of the Platform is compliant with all laws applicable to your jurisdiction and industry. 5.5 Prohibition on Reverse Engineering. You agree not to attempt to reverse-engineer, decompile, disassemble, decode, or otherwise attempt to derive or access the source code, underlying algorithms, model architectures, training data, or proprietary methodologies of any AI Features, software components, or other technical elements of the Platform. Any such attempt constitutes a material breach of these Terms and may result in immediate Account termination and legal action. 5.6 Validation of AI Output. You acknowledge and agree that all Output generated by the Platform's AI Features must be independently reviewed, verified, and validated by qualified professionals prior to being relied upon for any business, financial, regulatory, legal, or operational decision. You are solely responsible for any decisions made in reliance on AI-generated Output, and the Company assumes no liability for consequences arising from your use of or reliance upon Output without independent verification. 5.7 Enterprise Administrator Responsibilities. If you are an Account Administrator managing an enterprise or team account, you are responsible for the conduct of all Authorized Users operating under your account. You must ensure that all Authorized Users are made aware of, and comply with, these Terms in their entirety. The Organization and Account Administrator shall be jointly liable for any violation of these Terms committed by Authorized Users.

6.1 Subscription Model. Access to the full features of the Platform is provided on a subscription basis, billed on either a monthly or annual cycle as selected by the User at the time of purchase. Annual subscriptions may be offered at a discounted rate relative to the equivalent monthly billing total. All Subscription fees are stated in United States Dollars (USD) unless otherwise specified. 6.2 Subscription Tiers. The Company offers the following Subscription plan tiers, each providing access to a defined set of Platform features. Specific pricing for each tier is available on the Company's website and is subject to change in accordance with Section 6.9: Starter — Individual practitioners and small teams. Basic AI analysis tools, limited document uploads per month, standard reporting, email support. Price: see pricing page. Professional — Mid-size accounting and compliance teams. Full AI Features suite, expanded document processing, advanced risk flagging, compliance dashboards, priority support. Price: see pricing page. Enterprise — Large organizations, audit firms, and regulated entities. Unlimited Authorized Users, custom integrations, dedicated account management, SLA, SSO, advanced data controls, custom reporting. Price: contact sales. 6.3 Free Trial. The Company may, at its discretion, offer a free trial period to new Users (the "Trial Period"), the duration of which will be specified at the time of registration. During the Trial Period, access to certain Platform features may be limited. At the conclusion of the Trial Period, your Subscription will automatically convert to a paid Subscription at the applicable plan rate unless you cancel your Subscription before the Trial Period ends. No charges will be incurred during the Trial Period provided cancellation occurs prior to its conclusion. 6.4 Payment Processing. All Subscription fees are processed through one or more third-party payment processors (e.g., Stripe, Inc. or its equivalent). By providing payment information and initiating a Subscription, you agree to the applicable terms of service and privacy policies of such third-party payment processors. The Company does not store full payment card details on its own systems. You represent that you are authorized to use any payment method you provide. 6.5 Automatic Renewal. Unless you cancel your Subscription prior to the end of the then-current billing cycle, your Subscription will automatically renew for a successive period of equivalent duration at the then-current applicable rate. You authorize the Company to charge your payment method on file for each renewal period without additional notice. To disable automatic renewal, you must access your Account settings or contact support@myauditorai.com at least forty-eight (48) hours prior to the end of the then-current billing cycle. 6.6 Refund Policy. Subscription fees are generally non-refundable. The Company does not provide refunds or credits for partial subscription periods, unused features, or unused processing capacity, except (a) where required by applicable law; (b) where the Company, in its sole discretion, determines that a refund is warranted due to a verified platform failure or error attributable to the Company; or (c) as otherwise expressly set forth in a separate written agreement with the Company. Upgrades between plan tiers will be applied on a prorated basis for the remainder of the current billing cycle. 6.7 Late Payment and Account Suspension. If any payment obligation is not satisfied by the due date, the Company reserves the right to (a) suspend access to the Platform upon written notice; (b) charge interest on overdue amounts at the rate of 1.5% per month or the maximum rate permitted by applicable law, whichever is lower; and (c) terminate the Account for non-payment following a cure period of fifteen (15) days after notice of non-payment. Reinstatement of a suspended Account may be subject to a reinstatement fee. 6.8 Pricing Changes. The Company reserves the right to modify its Subscription pricing at any time. The Company will provide Users with at least thirty (30) days' advance written notice of any price changes via email or in-app notification before such changes take effect. If you do not agree to a pricing change, you may cancel your Subscription prior to the effective date of such change. 6.9 Taxes. All Subscription fees are exclusive of any applicable taxes, levies, duties, or similar governmental assessments, including without limitation sales tax, use tax, value-added tax (VAT), or goods and services tax (GST) ("Taxes"). You are solely responsible for the payment of all Taxes associated with your Subscription and use of the Platform. If the Company is required to collect Taxes on your behalf, such Taxes will be added to your invoice and charged to your payment method on file.

Important Disclosure Regarding Artificial Intelligence: The following disclosures are material to your use of this Platform. Please read this section carefully before relying on any Output generated by the Platform. 7.1 Use of Artificial Intelligence. The Platform incorporates and is substantially powered by artificial intelligence and machine learning technologies, including but not limited to large language models, neural networks, supervised and unsupervised learning algorithms, natural language processing, and statistical modeling frameworks. These technologies are used to analyze Content, identify patterns, generate reports, flag anomalies, and produce other forms of Output. 7.2 AI Output Is Not Professional Advice. Output generated by the Platform's AI Features does not constitute, and shall not be construed as, professional audit advice, legal advice, tax advice, financial advice, investment advice, or any other form of licensed professional advice or service. The Platform is a technology tool designed to assist — not replace — qualified human professionals. Users should not make material business, financial, regulatory, or legal decisions based solely on AI-generated Output without independent review by qualified licensed professionals. 7.3 Errors, Omissions, and Outdated Analysis. AI models are inherently imperfect. The Platform's AI Features may produce Output that contains errors, omissions, misclassifications, hallucinations, or analysis that is incomplete, outdated, or inapplicable to a User's specific circumstances. The Company does not guarantee the accuracy, completeness, timeliness, or reliability of any Output. Users are responsible for independently verifying all Output before any reliance thereon. 7.4 Continuous Training and Model Evolution. The Company continuously trains, fine-tunes, updates, and improves its AI models. As a result, the Output produced for the same or similar input may vary over time. The Company does not guarantee that Output generated at any point in time will remain consistent, reproducible, or valid beyond the date of generation. Users should document and independently validate Output at the time it is generated. 7.5 No Guarantee of Accuracy or Regulatory Fitness. The Company makes no representation or warranty, express or implied, that the Platform or its Output is accurate, complete, error-free, or suitable for any particular regulatory, compliance, or professional purpose. The Company expressly disclaims any warranty of fitness for a specific purpose with respect to AI-generated Output. 7.6 User Reliance at Own Risk. You expressly acknowledge and agree that any reliance on AI-generated Output without independent review and validation by a qualified licensed professional is undertaken entirely at your own risk. The Company shall not be liable for any consequences — including financial loss, regulatory penalty, reputational harm, or legal liability — arising from your reliance on Output without independent verification. 7.7 No Regulatory Compliance Certification. The Company does not represent, warrant, or certify that the Platform or its Output meets any specific regulatory, statutory, or professional compliance standard, including without limitation Public Company Accounting Oversight Board (PCAOB) standards, Generally Accepted Accounting Principles (GAAP), International Financial Reporting Standards (IFRS), the Sarbanes-Oxley Act (SOX), Anti-Money Laundering (AML) regulations, or any other applicable framework, unless such compliance is explicitly documented and warranted in a separate written agreement executed between the Company and the User.

8.1 Company Ownership. The Company owns and retains all right, title, and interest in and to the Platform, including without limitation all software, source code, object code, AI models, model weights, training methodologies, algorithms, user interfaces, application programming interfaces (APIs), design elements, branding, trademarks, service marks, trade names, logos, documentation, and all other intellectual property rights associated therewith (collectively, "Company IP"). These Terms do not grant you any ownership interest in or to any Company IP. All rights not expressly granted herein are reserved by the Company. 8.2 User Content Ownership. You retain all right, title, and interest in and to the Content you upload or submit to the Platform. Nothing in these Terms transfers ownership of your Content to the Company. 8.3 License to Process Content. By uploading or submitting Content to the Platform, you hereby grant the Company a limited, non-exclusive, royalty-free, worldwide, sublicensable (solely to the extent necessary to provide the Services via hosting and processing partners) license to access, store, process, analyze, and use your Content solely for the purpose of providing the Services to you as described in these Terms. This license terminates upon deletion of your Content or termination of your Account, subject to applicable data retention requirements as described in Section 9. 8.4 Aggregated and Anonymized Data. Notwithstanding Section 8.2 and 8.3, the Company may collect, compile, and use aggregated, anonymized, and de-identified data derived from Users' usage of the Platform and interaction with AI Features (collectively, "Aggregated Data") for the purposes of platform improvement, AI model training and refinement, benchmarking, analytics, and development of new features and services. Aggregated Data does not include any personally identifiable information or Content attributable to individual Users. No individual User's confidential data or Content shall be shared externally in identifiable form. 8.5 Restrictions on Use of Company IP. Except as expressly authorized in writing by the Company, you agree not to: (a) copy, reproduce, or duplicate any portion of the Platform or Company IP; (b) distribute, sublicense, sell, resell, transfer, or assign any rights to the Platform; (c) modify, adapt, alter, translate, or create derivative works based on the Platform or its documentation; (d) reverse-engineer, disassemble, decompile, or otherwise attempt to derive source code from the Platform; or (e) frame, mirror, or incorporate any portion of the Platform into another website or application without express written permission. 8.6 License to Output. Subject to your compliance with these Terms and timely payment of applicable Subscription fees, the Company grants you a limited, non-exclusive, non-transferable, royalty-free license to access, use, and reproduce Output generated by the Platform solely for your own internal business purposes. Output may not be sublicensed, resold, publicly distributed, or used in any manner that competes with the Company's products or services without prior written consent. 8.7 Feedback. If you provide the Company with any suggestions, ideas, enhancement requests, bug reports, recommendations, or other feedback regarding the Platform (collectively, "Feedback"), you hereby grant the Company a perpetual, irrevocable, royalty-free, worldwide, fully sublicensable license to use, reproduce, modify, incorporate, and commercialize such Feedback for any purpose, without any obligation of confidentiality, attribution, or compensation to you.

9.1 Full Privacy Policy. This Section provides a summary of the Company's privacy and data security practices. For a complete description of how the Company collects, uses, stores, shares, and protects your personal data and Content, please refer to the Company's Privacy Policy, available at privacy.myauditorai.com, which is incorporated into these Terms by reference. In the event of any conflict between this Section and the Privacy Policy, the Privacy Policy shall control with respect to data handling practices. 9.2 Data Collection. The Company collects the following categories of data in connection with the provision of the Services: (a) Account registration data, including name, email address, organization name, and billing information; (b) usage data, including login records, feature interactions, and platform analytics; and (c) Content uploaded by Users for processing and analysis. All data is used solely for the purposes of providing and improving the Services as described in these Terms and the Privacy Policy. 9.3 Encryption and Security. The Company employs industry-standard technical and organizational security measures to protect your Content and Account data. Content is encrypted in transit using Transport Layer Security (TLS) protocol and encrypted at rest using AES-256 or equivalent encryption standards. The Company conducts periodic security assessments and implements access controls, audit logging, and other safeguards designed to protect against unauthorized access, disclosure, or destruction of data. 9.4 No Sale of Content. The Company does not sell, rent, lease, or otherwise transfer your Content to any third party for commercial or marketing purposes. Content is shared with third-party service providers solely to the extent necessary to operate, maintain, and improve the Platform, and such providers are contractually bound to handle Content in accordance with applicable privacy and security standards. 9.5 Data Deletion Requests. You may request deletion of your personal data and Content by submitting a request to privacy@myauditorai.com. The Company will honor such requests in accordance with applicable law and the terms of the Privacy Policy, subject to any legal, regulatory, or contractual data retention requirements that may necessitate retention of certain data for a specified period. 9.6 Applicable Privacy Laws. The Company is committed to complying with applicable privacy and data protection laws and regulations, including the General Data Protection Regulation (GDPR) where applicable to Users in the European Economic Area, and the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) where applicable to California residents. Users in such jurisdictions may have additional rights regarding their personal data, as described more fully in the Privacy Policy. 9.7 Data Storage and Cross-Border Transfer. All User data and Content is stored on servers located in the United States. Users located outside the United States acknowledge and consent to the transfer, storage, and processing of their data in the United States, which may have different data protection laws than the User's jurisdiction. Where required by applicable law, the Company implements appropriate cross-border transfer safeguards, such as Standard Contractual Clauses (SCCs) or equivalent mechanisms.

10.1 Commercially Reasonable Efforts. The Company agrees to use commercially reasonable efforts to make the Platform available and operational on a continuous basis. The Platform is provided on an "as available" basis, and the Company does not guarantee uninterrupted availability. 10.2 Target Uptime. The Company's target availability for the Platform is 99.5% uptime per calendar month, measured on a rolling monthly basis and excluding time attributable to scheduled maintenance windows. This target is aspirational and does not constitute a contractual service level agreement (SLA) unless separately executed in writing as part of an Enterprise agreement. 10.3 Scheduled Maintenance. The Company may periodically take the Platform offline for scheduled maintenance, updates, or upgrades. The Company will use commercially reasonable efforts to provide Users with advance notice of scheduled maintenance windows via email or in-app notification and will endeavor to conduct such maintenance during off-peak hours to minimize disruption. 10.4 Exclusions from Uptime Calculation. Downtime or service degradation caused by any of the following shall be excluded from uptime calculations and shall not constitute a breach of any service level commitment: (a) failures of third-party infrastructure, cloud hosting providers, or internet service providers outside the Company's reasonable control; (b) force majeure events as described herein; (c) User acts or omissions, including misuse of the Platform or failure to maintain compatible systems; (d) scheduled maintenance windows; or (e) emergency security-related actions taken by the Company to protect the integrity of the Platform. 10.5 Issue Reporting and Support Response. Users may report service issues, outages, or technical problems via the Company's support portal at help.myauditorai.com. The Company will use commercially reasonable efforts to acknowledge all submitted support requests within one (1) business day of receipt. Resolution timelines will vary depending on the nature and complexity of the reported issue. 10.6 SLA Credits. No service level credits, refunds, or other remedies for downtime, outages, or service degradation shall be available to Users unless expressly documented and agreed upon in a separately executed Enterprise service level agreement between the Company and the applicable User.

You agree that you will not, directly or indirectly, engage in any of the following prohibited activities in connection with your use of the Platform: 1. Use the Platform for any unlawful, fraudulent, deceptive, defamatory, harassing, or otherwise improper purpose, including in violation of any applicable federal, state, local, or international law or regulation; 2. Upload, transmit, or introduce any malicious code, virus, worm, Trojan horse, ransomware, spyware, adware, or other harmful software, script, or content to or through the Platform; 3. Attempt to gain unauthorized access to the Company's systems, servers, databases, networks, or any Account belonging to another User, or probe, scan, or test the vulnerability of any Company system without express prior written authorization; 4. Scrape, harvest, crawl, spider, mine, or systematically extract, copy, or collect data, Output, or any other information from the Platform by automated means, except as expressly authorized in writing by the Company; 5. Use the Platform to process, analyze, or generate Output in connection with any activity related to weapons of mass destruction, illegal arms or narcotics trafficking, human trafficking, money laundering, terrorism financing, or any other activity that is illegal under applicable law or restricted by the Company's acceptable use policies; 6. Impersonate any person, organization, or entity, including any Company employee, officer, or representative, or falsely represent your identity, credentials, or affiliation with any person or organization; 7. Circumvent, disable, bypass, or otherwise interfere with any security features, access controls, usage limitations, rate limits, authentication mechanisms, or other technical protections of the Platform; 8. Resell, sublicense, white-label, broker, or otherwise commercially exploit access to the Platform or any Output for the benefit of any third party without the express prior written consent of the Company; 9. Use any Content, Output, or data obtained from the Platform to develop, train, fine-tune, benchmark, or improve any artificial intelligence model, machine learning system, or competing software product or service; 10. Upload Content that infringes, misappropriates, or violates any third party's copyright, patent, trademark, trade secret, right of publicity, privacy right, or any other proprietary or intellectual property right. Any violation of this Section constitutes a material breach of these Terms and may result in immediate Account suspension or termination, legal action, and claims for damages, including injunctive relief, to the fullest extent permitted by applicable law.

12.1 Termination for Convenience. Either party may terminate these Terms and the associated Subscription by providing thirty (30) days' prior written notice to the other party. Termination by the User must be effectuated through Account settings or by written notice to support@myauditorai.com. Upon termination for convenience, prepaid but unused Subscription fees for the remaining portion of the billing period are generally non-refundable except as required by applicable law. 12.2 Termination for Cause. The Company may terminate your Account and access to the Platform immediately, without prior notice or liability, upon the occurrence of any of the following: (a) your material breach of any provision of these Terms, including any Prohibited Activity set forth in Section 11; (b) fraudulent, abusive, or illegal conduct in connection with your use of the Platform; (c) failure to cure a payment default within the applicable cure period set forth in Section 6.7; or (d) any action or omission by you that the Company reasonably determines poses a significant security, legal, or reputational risk to the Company or other Users. 12.3 Effect of Termination. Upon the effective date of termination: (a) your right to access and use the Platform shall immediately cease; (b) all licenses granted to you under these Terms shall automatically terminate; (c) the Company will retain your Content and Account data for a period of thirty (30) calendar days following termination, after which all such data will be deleted or anonymized in accordance with the Company's data retention schedule and Privacy Policy, subject to any applicable legal retention obligations. 12.4 Data Export Prior to Termination. Prior to the effective date of termination, you are strongly encouraged to export, download, and retain copies of all Content and Output you wish to preserve. The Company will use commercially reasonable efforts to facilitate data export upon written request, provided such request is received before the termination effective date. 12.5 Survival. The following sections shall survive the expiration or termination of these Terms for any reason: Section 2 (Definitions), Section 7 (AI Use Disclosure and Limitations), Section 8 (Intellectual Property), Section 9 (Privacy and Data Security Summary), Section 13 (Disclaimers and Limitation of Liability), Section 14 (Indemnification), Section 16 (Governing Law and Dispute Resolution), and any other provisions that by their nature are intended to survive termination.

13.1 AS IS and AS AVAILABLE. THE PLATFORM AND ALL SERVICES, FEATURES, CONTENT, OUTPUT, AND INFORMATION PROVIDED THROUGH THE PLATFORM ARE PROVIDED ON AN "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" BASIS, WITHOUT ANY REPRESENTATION, WARRANTY, OR GUARANTEE OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. 13.2 Disclaimer of Implied Warranties. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION: (A) ANY IMPLIED WARRANTY OF MERCHANTABILITY; (B) ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE; (C) ANY IMPLIED WARRANTY OF NON-INFRINGEMENT; (D) ANY IMPLIED WARRANTY OF TITLE; (E) ANY WARRANTY THAT THE PLATFORM WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; (F) ANY WARRANTY THAT THE PLATFORM WILL OPERATE ERROR-FREE, UNINTERRUPTED, OR SECURE; AND (G) ANY WARRANTY REGARDING THE ACCURACY, RELIABILITY, TIMELINESS, OR COMPLETENESS OF ANY OUTPUT OR INFORMATION PROVIDED THROUGH THE PLATFORM. 13.3 Exclusion of Consequential Damages. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, BUSINESS OPPORTUNITY, ANTICIPATED SAVINGS, DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS, YOUR USE OF OR INABILITY TO USE THE PLATFORM, OR ANY OUTPUT, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 13.4 Aggregate Liability Cap. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE COMPANY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (A) ONE HUNDRED UNITED STATES DOLLARS ($100.00 USD); OR (B) THE TOTAL AMOUNT OF SUBSCRIPTION FEES ACTUALLY PAID BY YOU TO THE COMPANY IN THE TWELVE (12) CALENDAR MONTHS IMMEDIATELY PRECEDING THE DATE ON WHICH THE CLAIM FIRST AROSE. 13.5 Jurisdictional Limitations. CERTAIN JURISDICTIONS DO NOT PERMIT THE EXCLUSION OR LIMITATION OF IMPLIED WARRANTIES OR LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. TO THE EXTENT SUCH LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY, AND YOUR RIGHTS MAY BE BROADER THAN THOSE DESCRIBED HEREIN. IN SUCH CASES, THE COMPANY'S LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

14.1 User Indemnification Obligation. To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Company and its affiliates, subsidiaries, successors, officers, directors, employees, contractors, agents, licensors, and representatives (collectively, "Indemnified Parties") from and against any and all claims, demands, actions, proceedings, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to: 1. Your breach or alleged breach of any representation, warranty, covenant, or obligation set forth in these Terms; 2. Your Content, including any claim that your Content infringes, misappropriates, or violates any third-party intellectual property right, privacy right, or other proprietary right; 3. Your use or misuse of the Platform, including any reliance on Output without independent verification by a qualified professional; 4. Your violation of any applicable federal, state, local, or international law, regulation, or regulatory requirement; 5. Any third-party claim arising from or related to your actions, omissions, or conduct on or in connection with the Platform; or 6. The actions or omissions of any Authorized User accessing the Platform through your Account. 14.2 Indemnification Procedure. The Company will notify you promptly of any claim for which indemnification is sought, provided that failure to provide timely notice shall not relieve you of your indemnification obligations except to the extent you are materially prejudiced by such delay. The Company reserves the right to assume exclusive control of the defense and settlement of any indemnified claim at your expense. You agree to cooperate fully with the Company in connection with the defense of any such claim and shall not settle any claim without the Company's prior written consent.

15.1 Right to Modify. The Company reserves the right, in its sole discretion, to modify, amend, supplement, or replace any provision of these Terms at any time. All modifications shall be effective as of the date specified in the applicable notice or, if no date is specified, upon publication of the updated Terms on the Company's website. 15.2 Notice of Material Changes. For modifications that the Company determines to be material in nature — including changes that affect your rights, payment obligations, dispute resolution mechanisms, or data handling practices — the Company will provide Users with at least fifteen (15) days' advance notice prior to the effective date of such changes. Such notice will be delivered via (a) email to the address associated with your Account, and/or (b) a prominent in-app notification upon login to the Platform. 15.3 Acceptance by Continued Use. Your continued access to or use of the Platform following the effective date of any modification to these Terms shall constitute your binding acceptance of and agreement to the modified Terms. The most current version of these Terms will always be available for review at terms.myauditorai.com. 15.4 Right to Reject Changes. If you do not agree to any modification of these Terms, you must immediately cease all use of the Platform and may submit a written request for Account termination to support@myauditorai.com. In the event of termination due to disagreement with modified Terms, the Company will provide a prorated refund of prepaid Subscription fees for the period following the termination effective date, at the Company's discretion and subject to applicable law.

16.1 Governing Law. These Terms, and any dispute, claim, or controversy arising out of or relating to these Terms, your use of the Platform, or the relationship between you and the Company, shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without giving effect to any conflict of law provisions or principles that would cause the application of the laws of any other jurisdiction. 16.2 Good-Faith Negotiation. Prior to initiating any formal dispute resolution proceeding, the parties agree to attempt in good faith to resolve any dispute, claim, or controversy through direct negotiation. Either party may initiate the negotiation process by providing written notice to the other party describing the nature of the dispute and the relief sought. The parties shall have a period of thirty (30) calendar days from the date of such notice (or such longer period as may be mutually agreed in writing) to attempt to resolve the dispute through good-faith negotiation. 16.3 Binding Arbitration. If any dispute is not resolved through good-faith negotiation within the period specified in Section 16.2, such dispute shall be finally and exclusively resolved by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules and Mediation Procedures then in effect, as modified by this Section. The arbitration shall be conducted before a single arbitrator, in the English language, in Wilmington, Delaware, United States of America. The arbitrator's award shall be final, binding, and non-appealable, except as permitted by applicable law, and may be entered as a judgment in any court of competent jurisdiction. 16.4 Class Action Waiver. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU EXPRESSLY WAIVE YOUR RIGHT TO PARTICIPATE IN ANY CLASS ACTION LAWSUIT, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER REPRESENTATIVE OR CONSOLIDATED PROCEEDING AGAINST THE COMPANY. YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDING WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. IF THIS CLASS ACTION WAIVER IS FOUND TO BE UNENFORCEABLE WITH RESPECT TO ANY PARTICULAR CLAIM, THAT CLAIM SHALL BE SEVERED FROM THE ARBITRATION AGREEMENT AND PROCEED IN A COURT OF COMPETENT JURISDICTION. 16.5 Arbitration Opt-Out. You have the right to opt out of the binding arbitration and class action waiver provisions of this Section by providing written notice to the Company at legal@myauditorai.com within thirty (30) calendar days of the date you first accept these Terms (whether upon registration or first use of the Platform). Your opt-out notice must include your full name, Account email address, and a clear statement that you are opting out of arbitration. If you opt out of arbitration, disputes shall be resolved in courts of competent jurisdiction as provided in Section 16.1. 16.6 Injunctive Relief. Notwithstanding any other provision of this Section 16, either party may seek emergency or preliminary injunctive relief or other equitable relief from a court of competent jurisdiction in Wilmington, Delaware, without first engaging in the negotiation or arbitration process described herein, where such relief is necessary to prevent irreparable harm or to preserve the status quo pending completion of arbitration, including without limitation claims relating to intellectual property infringement or unauthorized use of Confidential Information.

If you have any questions, concerns, or requests relating to these Terms or the Platform, please contact us using the information below. Legal notices must be submitted in writing and directed to the Legal Notices address to be considered valid. General Support & Questions: support@myauditorai.com Legal Notices & Formal Correspondence: legal@myauditorai.com Privacy & Data Requests: privacy@myauditorai.com Security Incidents: security@myauditorai.com Support Portal: help.myauditorai.com Mailing Address (Legal Notices): MyAuditorAI, Inc. [Address Placeholder], Wilmington, DE 19801, United States of America All legal notices must be provided in writing and will be deemed delivered (a) upon confirmed receipt via email, or (b) three (3) business days after mailing by certified mail, return receipt requested, to the mailing address above.