Terms of Service

By accessing, browsing, or using Stax Labs ("the Service," "Platform," or "Stax Labs"), operated by Stax Labs, LLC ("the Company"), you ("User," "you," or "your") acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service ("Terms," "Agreement"), including all policies incorporated herein by reference.

YOUR USE OF THE SERVICE CONSTITUTES YOUR BINDING ACCEPTANCE OF THESE TERMS. If you do not agree to these Terms in their entirety, you must immediately discontinue all use of the Service.

Stax Labs reserves the right, in its sole and absolute discretion, to modify, amend, supplement, or replace these Terms at any time without prior notice to you. Your continued use of the Service following any such modifications constitutes your acceptance of the modified Terms. It is your sole responsibility to review these Terms periodically for changes.

Stax Labs provides an AI-powered educational platform that may include:

• Strategy Builder Tools — tools for creating and customizing hypothetical investment strategies
• Historical Backtesting Engine — simulated testing of strategies against historical market data for educational purposes
• AI-Powered Analysis — machine learning tools to analyze hypothetical strategy parameters, including the Buddi AI assistant
• Market Data & Screening Tools — general market data, fundamental metrics, and screening tools for educational research
• Educational Content — tutorials, guides, tooltips, and in-app educational resources
• Leaderboard & Community Features — strategy performance rankings and community engagement tools

Express Acknowledgments. By using the Service, you expressly acknowledge and agree that:

• Stax Labs is NOT a registered investment advisor, broker-dealer, or fiduciary
• Nothing provided by the Service constitutes investment advice, financial advice, trading advice, or any other form of professional advice
• Stax Labs does NOT execute trades, manage portfolios, or make investment decisions on your behalf
• All information and tools are provided solely for educational and informational purposes
• You are solely responsible for all investment and trading decisions you make
• No returns, profits, or performance are guaranteed or implied
• Past performance, including backtested results, is not indicative of future results

Eligibility Requirements

• You must be at least 18 years of age and have the legal capacity to enter into binding agreements
• You must abide by and not be prohibited by applicable laws in connection with your use of the Service
• You must provide accurate, current, and complete information during registration
• You must maintain and promptly update your account information

Account Security & Responsibility

• You are solely responsible for maintaining the confidentiality of your account credentials
• You are fully responsible for all activities that occur under your account
• You agree to immediately notify Stax Labs of any unauthorized access or security breach
• Stax Labs is not liable for any loss or damage arising from unauthorized use of your account
• Stax Labs reserves the right to disable any account at any time for any reason without notice

Account Verification

Stax Labs reserves the right to verify your identity and eligibility at any time. You agree to cooperate with any verification requests. Failure to comply may result in immediate termination of your account.

Company Intellectual Property

The Service, including but not limited to all software, algorithms, machine learning models, artificial intelligence systems, methodologies, processes, user interfaces, designs, graphics, logos, trademarks, service marks, trade names, domain names, content, data compilations, databases, analytical tools, backtesting engines, and all other aspects of the Platform (collectively, "Company IP"), are the exclusive property of Stax Labs, LLC and are protected by U.S. and international intellectual property laws. All rights not expressly granted herein are reserved by the Company.

License Grant to User

Subject to your compliance with these Terms, Stax Labs grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service solely for your personal, non-commercial educational purposes. This license may be terminated by Stax Labs at any time, for any reason, without notice or liability.

User Content License to Company

BY USING THE SERVICE, YOU GRANT TO STAX LABS, LLC A PERPETUAL, IRREVOCABLE, WORLDWIDE, ROYALTY-FREE, FULLY PAID-UP, TRANSFERABLE, SUBLICENSABLE (THROUGH MULTIPLE TIERS), NON-EXCLUSIVE LICENSE to use, copy, reproduce, process, adapt, modify, publish, transmit, display, distribute, create derivative works from, and otherwise exploit in any manner whatsoever, all content, data, information, strategies, parameters, configurations, inputs, outputs, results, feedback, and any other materials you submit, upload, create, generate, or otherwise make available through the Service ("User Content"), for any purpose whatsoever, including but not limited to:

• Operating, improving, and enhancing the Service and the Company's business
• Training, developing, and improving machine learning models and AI systems
• Creating aggregated, anonymized, or de-identified datasets and insights
• Research, analysis, and development of new products and services
• Marketing, promotional, and commercial purposes
• Sharing with third parties, partners, affiliates, and service providers
• Any other lawful purpose as determined by the Company in its sole discretion

User Content Representations & Waivers

You represent, warrant, and agree that:

• You have all necessary rights to grant the licenses set forth herein
• Your User Content does not infringe any third-party rights
• You waive any and all moral rights in your User Content
• You have no expectation of privacy, confidentiality, or proprietary protection in User Content
• The Company has no obligation to monitor, review, or remove User Content
• The Company may use User Content without attribution, compensation, or notice to you
• These license grants survive termination of your account or these Terms

Feedback

Any feedback, suggestions, ideas, or other information you provide regarding the Service ("Feedback") shall become the sole and exclusive property of Stax Labs, LLC. You hereby assign to Stax Labs all rights, title, and interest in and to such Feedback, and Stax Labs shall be free to use, disclose, reproduce, license, or otherwise exploit such Feedback without any obligation or compensation to you.

You acknowledge and consent to the collection, use, storage, and processing by Stax Labs of all data associated with your use of the Service. This includes, without limitation:

Data Stax Labs Collects

• Account and registration information
• All strategies, parameters, configurations, and settings you create or modify
• All inputs, queries, and interactions with the Service
• Backtest results, performance data, and analytical outputs
• Usage patterns, behavioral data, and interaction logs
• Device information, IP addresses, and technical data
• Any other data generated through your use of the Service

How Stax Labs Uses Your Data

• To provide, maintain, and improve the Service
• To train and enhance AI and machine learning systems
• To develop new features, products, and services
• To create aggregated insights, benchmarks, and market intelligence
• To share with affiliates, partners, and third-party service providers
• For research, analytics, and business intelligence purposes
• For any other purpose in the Company's sole discretion

You acknowledge that data, once collected, may be retained indefinitely and may continue to be used even after termination of your account. You have no right to request deletion of aggregated or de-identified data derived from your User Content.

You agree NOT to, and will not permit any third party to:

1. Violate any applicable local, state, national, or international law or regulation
2. Infringe upon any intellectual property rights of the Company or third parties
3. Attempt to gain unauthorized access to the Service or its systems
4. Interfere with, disrupt, or circumvent any security features of the Service
5. Use the Service to distribute malware, viruses, or harmful code
6. Scrape, crawl, spider, or collect data from the Service without written permission. Any claimed written permission must be verified and authenticated directly by Stax Labs. Stax Labs reserves the right to reject any authorization that cannot be validated. Submission of forged, altered, or fraudulent authorization documents will result in immediate account termination and may subject the user to legal action.
7. Reverse engineer, decompile, disassemble, or attempt to derive source code
8. Copy, reproduce, or create derivative works of the Service or Company IP
9. Resell, redistribute, sublicense, or commercially exploit the Service
10. Use automated systems, bots, or scripts to access the Service excessively
11. Impersonate others, provide false information, or misrepresent your affiliation. Stax Labs employs verification processes to authenticate user identity and detect fraudulent documentation. Submission of forged, altered, or fraudulent identity documents or credentials constitutes a material violation of these Terms and may result in immediate termination and referral to appropriate authorities.
12. Use the Service in any manner that could damage or impair the Service
13. Circumvent any access controls, usage limits, or technical restrictions
14. Use the Service to provide information and services to third parties without written authorization from Stax Labs

Violation of these restrictions may result in immediate termination of your access and may subject you to legal liability, including claims for damages and injunctive relief.

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, STAX LABS, LLC EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES: All implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
• NO INVESTMENT ADVICE: Nothing provided by the Service constitutes investment advice, financial advice, trading advice, tax advice, legal advice, or any other professional advice. You should consult qualified professionals before making any financial decisions.
• NO PERFORMANCE GUARANTEES: Stax Labs makes no representations or warranties regarding any specific outcomes, results, or performance. Past performance, including backtested results, is not indicative of future results and should not be relied upon.
• DATA ACCURACY: Stax Labs does not warrant the accuracy, completeness, reliability, timeliness, or availability of any data, information, or content provided through the Service. Market data may be delayed, incomplete, or inaccurate.
• THIRD-PARTY DATA: Stax Labs relies on third-party data providers and makes no warranties regarding the accuracy or reliability of such data.
• SYSTEM AVAILABILITY: Stax Labs does not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
• AI & ALGORITHMIC OUTPUTS: Stax Labs makes no warranties regarding the outputs, recommendations, or analysis generated by its AI systems or algorithms.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. IN SUCH JURISDICTIONS, THE ABOVE EXCLUSIONS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

Jurisdictional Notice: Users are solely responsible for researching and understanding all jurisdictional laws applicable to their use of financial technology platforms and investment education tools in their respective jurisdictions.

YOU EXPRESSLY ACKNOWLEDGE AND ASSUME ALL RISKS ASSOCIATED WITH YOUR USE OF THE SERVICE AND ANY INVESTMENT OR TRADING DECISIONS YOU MAKE.

You acknowledge and agree that:

• Investing and trading involve substantial risk of loss, including the potential loss of your entire investment
• You are solely responsible for all investment and trading decisions you make, regardless of any information provided by the Service
• Backtested results are hypothetical, have inherent limitations, and do not represent actual trading
• Market conditions, liquidity, and other factors may cause actual results to differ materially from backtested results
• The Service may contain errors, bugs, or inaccuracies that could affect results
• You have the financial resources, knowledge, and experience to evaluate the risks of investing
• You will not rely solely on the Service for any investment or trading decisions
• You assume full responsibility for any losses resulting from your use of the Service

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

Exclusion of Damages

IN NO EVENT SHALL STAX LABS, LLC, ITS AFFILIATES, SUBSIDIARIES, PARENT COMPANIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, LICENSORS, OR SERVICE PROVIDERS (COLLECTIVELY, "COMPANY PARTIES") BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO: LOSS OF PROFITS, REVENUE, INCOME, OR ANTICIPATED SAVINGS; LOSS OF DATA, GOODWILL, OR BUSINESS OPPORTUNITIES; INVESTMENT LOSSES OR TRADING LOSSES; COST OF SUBSTITUTE SERVICES; OR ANY OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF STAX LABS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Liability Cap

THE TOTAL AGGREGATE LIABILITY OF THE COMPANY PARTIES FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS PAID BY YOU TO STAX LABS IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS ($100.00). THIS LIABILITY CAP APPLIES ACROSS ALL LEGAL THEORIES, INCLUDING BUT NOT LIMITED TO CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), WARRANTY, AND EQUITABLE CLAIMS. THE $100.00 OR TWELVE-MONTH-FEE CAP REPRESENTS THE MAXIMUM AGGREGATE EXPOSURE OF THE COMPANY PARTIES REGARDLESS OF THE NATURE OF THE CLAIM OR THE THEORY UNDER WHICH DAMAGES ARE SOUGHT, AND ENCOMPASSES BOTH COMPENSATORY AND CONSEQUENTIAL DAMAGES UNDER ANY THEORY OF LIABILITY, INCLUDING TORT.

Essential Basis

THE LIMITATIONS SET FORTH IN THIS SECTION ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND THE COMPANY, AND SHALL APPLY REGARDLESS OF WHETHER THE ALLEGED BREACH IS A FUNDAMENTAL BREACH OR A BREACH OF A FUNDAMENTAL TERM.

SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR EXCLUSION OF LIABILITY FOR CERTAIN DAMAGES. IN SUCH JURISDICTIONS, THE ABOVE LIMITATIONS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

Jurisdictional Notice: Users are solely responsible for researching and understanding all jurisdictional laws applicable to their use of the Service. Stax Labs assumes no obligation to advise users of jurisdiction-specific legal requirements relating to limitations of liability, tort recovery, or any other legal theory.

YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD HARMLESS Stax Labs, LLC and all Company Parties from and against any and all claims, demands, actions, suits, proceedings, losses, damages, costs, expenses, and liabilities (including reasonable attorneys' fees and legal costs) arising out of or relating to:

• Your use or misuse of the Service
• Your User Content or any content you submit, post, or transmit through the Service
• Your violation of these Terms or any applicable law or regulation
• Your violation of any third-party rights, including intellectual property rights
• Any investment or trading decisions you make based on your use of the Service
• Any dispute between you and any third party relating to your use of the Service
• Any negligent or wrongful conduct by you

Stax Labs reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with the defense of such claims. You agree not to settle any matter without the prior written consent of Stax Labs.

Termination by Company

Stax Labs may suspend, restrict, or terminate your access to the Service at any time, for any reason or no reason, with or without notice or liability, in its sole and absolute discretion. Stax Labs is under no obligation to provide any reason for termination. However, Stax Labs may, at its discretion, provide a general reason for termination (such as violation of Terms, suspected fraud, inactivity, or other cause) without waiving its right to terminate for any or no reason.

Termination by User

You may terminate your account at any time by discontinuing use of the Service and submitting a deletion request. Account deletion does not affect licenses previously granted to the Company.

Effects of Termination

• Your right to use the Service shall immediately cease
• Stax Labs may delete your account and any associated data at its discretion
• All licenses granted to the Company shall survive termination
• You remain liable for any obligations incurred prior to termination
• Except as expressly provided in our Refund Policy, no refunds or credits will be provided for fees already paid
• Sections 4, 5, 7, 8, 9, 10, 12, 13, and 14 shall survive termination

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service, including the determination of the scope or applicability of this agreement to arbitrate, shall be resolved exclusively through final and binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules.

Arbitration Terms

• The arbitration shall be conducted in Sheridan, Wyoming, or at another location mutually agreed upon
• The arbitration shall be conducted by a single arbitrator
• The arbitrator's decision shall be final and binding
• Judgment on the award may be entered in any court of competent jurisdiction
• The arbitrator may award any relief that a court could award
• Discovery shall be limited as determined by the arbitrator

Fee Allocation

If you initiate arbitration and the arbitrator determines that your claims are frivolous or brought in bad faith, you agree to reimburse the Company for all fees, costs, and expenses incurred, including reasonable attorneys' fees.

Changes to Arbitration Process

Stax Labs will make reasonable efforts to notify users of material changes to the arbitration process described in this section, including changes to the administering body, location, or procedural rules. Such notification may be provided through the Service, by email, or by updating these Terms with a revised effective date.

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of law provisions. You agree that any legal action or proceeding not subject to arbitration shall be brought exclusively in the state or federal courts located in Sheridan County, Wyoming, and you consent to the personal jurisdiction and venue of such courts.

The United Nations Convention on Contracts for the International Sale of Goods shall not apply to these Terms.

Entire Agreement

These Terms, together with the Privacy Policy and any other policies incorporated by reference, constitute the entire agreement between you and Stax Labs, LLC and supersede all prior agreements, understandings, and communications.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

No Waiver

The failure or delay of Stax Labs to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by Stax Labs.

Assignment

You may not assign or transfer these Terms or any rights hereunder without the prior written consent of Stax Labs. Stax Labs may freely assign these Terms and all rights and obligations hereunder to any successor, affiliate, or acquirer without restriction or notice.

No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights in any person or entity.

Force Majeure

Stax Labs shall not be liable for any failure or delay in performance due to circumstances beyond its reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

Headings

Section headings are for convenience only and shall not affect the interpretation of these Terms.

Electronic Communications

You consent to receive communications from Stax Labs electronically. You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.