Terms

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AN IMPORTANT MESSAGE: PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING OUR SERVICE, AS THEY AFFECT YOUR LEGAL RIGHTS AND OBLIGATIONS. THIS AGREEMENT SPECIFIES THE PREFERRED PROCEDURES FOR RESOLVING ANY DISPUTES (SECTION 18), WHICH MAY REQUIRE THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES IN CERTAIN JURISDICTIONS RATHER THAN TRADITIONAL COURT TRIALS, AND OUTLINES THE LIMITATIONS OF LIABILITY ACCORDINGLY.

1. Purpose

The purpose of these Terms of Service (the "Terms") is to define the rights, obligations, responsibilities, and other necessary matters between Tenacious Inc. (the "Company") and the user (the "User") regarding the use of the Stocknow service (the "Service") provided by the Company.

2. Definitions

The definitions of terms used in these Terms are as follows:

• Service: All functions, AI tools, and content provided to the User through the Stocknow mobile application and related websites operated by the Company.

• User: Any person who accesses or uses the Service in accordance with these Terms, including both Members and Guests.

• Member: A person who registers and logs into the Service using a Google account, Apple account, or other methods provided by the Company to continuously use the Service.

• Guest: A person who uses parts of the Service without registering an account.

• Content: All information, including but not limited to text, financial data, charts, photos, videos, and audio, provided within the Service.

• AI Agent: The interactive conversational assistant system within the Service designed to help Users utilize the Service and search for information.

• Membership: Paid subscription tiers (e.g., Pro Membership, Expert Membership, etc.) that grant differential access rights to Users based on criteria determined by the Company.

• Paid Service: Functions, AI Agents, Content, and benefits provided differentially to Paid Membership members by tier.

• Auto-Renewing Subscription: A billing method where the fee for the selected Membership tier is automatically charged to the pre-registered payment method at specified intervals, automatically renewing the subscription period unless canceled.

• Non-Renewing Plan: A billing method where the User pays a lump sum for a fixed period (e.g., 1 year) at a discounted rate. This plan terminates automatically upon expiration of the fixed period and does not automatically renew.

• Service Period: The duration from the day the payment for the Paid Service is completed until the expiration date of the respective Paid Service.

• Post / User Generated Content (UGC): Any text, images, links, comments, or other information created, posted, or submitted by the User within the Service's community features.

• Community: Interactive features such as boards, comments, and follow functions provided within the Service for information sharing and communication among Users.

3. Specification and Amendment of Terms

1. The Company shall post the contents of these Terms on the initial screen or linked screens of the Service so that Users can easily access them.

2. The Company may amend these Terms to the extent permitted by applicable laws.

3. If the Company amends these Terms, it will notify Users within the Service at least seven (7) days prior to the effective date, specifying the effective date and reasons for amendment. For material changes unfavorable to the User or changes to Membership fee or plan terms, notice shall be given at least thirty (30) days in advance. If relevant changes are separately notified according to store policies, they may be guided through the respective store.

4. Users have the right to object to the amended Terms. Users may stop using the Service and terminate their agreement before the effective date. Continuous use of the Service after the effective date constitutes binding acceptance of the amended Terms.

4. Privacy and Data Protection

The Company complies with major global data protection regulations, including the European Union’s General Data Protection Regulation (GDPR) and the US California Consumer Privacy Act/California Privacy Rights Act (CCPA/CPRA), as well as the Personal Information Protection Act of the Republic of Korea and other applicable laws to safeguard Users' personal data. The detailed processing of personal data can be reviewed in the separately provided Privacy Policy.

5. Provision and Modification of Service

1. The Company provides the following services:
   • Corporate information, news, market data, and search features for global stock markets.
   • Multilingual translation services to enhance information accessibility.
   • Account registration and login through Google, Apple, and other third-party methods.
   • Community features for User communication and information sharing.
   • AI Agent features.
   • Other services determined by the Company.

2. The Company may modify all or part of the Service, and in such cases, will notify Users of the contents and effective date in advance.

3. Free services may be modified or terminated at any time without prior notice in accordance with the Company’s policies, and no separate compensation will be provided.

4. Paid Services are classified and provided by Membership tiers purchased by the User. Differing access limits based on tiers shall not be deemed an unfavorable measure to the User.

5. The Company may temporarily suspend the Service for routine maintenance, system upgrades, or emergency response, and will notify Users in advance. In urgent or unavoidable cases, notice may be given post-facto. The Company shall not be liable for any damages resulting from such temporary suspension unless caused by the Company's intentional misconduct or gross negligence.

6. User Registration and Management

1. Users may apply for Membership through Google, Apple, or other third-party login methods provided by the Company.

2. Access to Paid Services begins only after the billing process through our direct credit card checkout system or App Store (Apple/Google) is successfully completed, separate from registration.

3. Members may request account deletion at any time via the functions provided in the Service, and the Company will process it immediately in accordance with applicable laws.

4. Upon voluntary account deletion, re-registration with the same account or identification info may be restricted for one (1) month to prevent system abuse and fraudulent use.

5. Members are solely responsible for maintaining the accuracy and security of their account credentials and must not transfer or lease their account to any third party. The Company is not liable for unauthorized access or damages due to User negligence.
   

7. User Obligations and Prohibited Conduct

1. Users must comply with applicable laws, these Terms, operational guidelines, and notices issued by the Company.

2. Users are strictly prohibited from engaging in the following actions:
   • Stealing other persons' information, payment methods, or impersonating others.
   • Copying, distributing, selling, transmitting, or broadcasting information and Content provided through the Service without prior written consent from the Company.
   • Hacking, reverse engineering, or causing excessive server load to interfere with the Service's operations.
   • Utilizing automated programs, bots, scrapers, crawlers, etc., to harvest, copy, or extract data/information from the Service without prior consent from the Company.
   • Posting content related to specific political parties, politicians, or elections, or posting discriminatory, hateful, or insulting comments based on gender, race, nationality, sexual orientation, or religion in the Community.
   • Defaming the Company or any third party or infringing upon their intellectual property rights (including copyrights and trademarks).

8. Non-Commercial and Personal Use Limitation

The Service is intended solely for the personal, non-commercial use of individual Users. Use of the Service by groups, organizations, corporate entities, or institutional investors, and commercial data extraction are strictly prohibited unless separately authorized by the Company in writing.

9. Service Limitations and Termination

1. If a User violates these Terms or disrupts normal Service operations, the Company may restrict, suspend, or terminate the User's account immediately without prior notice.

2. If an account is terminated due to the User's breach of these Terms, the Company shall have no liability to refund any remaining balance of the Service Period.

3. Upon termination, the Company handles User data in accordance with its Privacy Policy. To prevent fraudulent use and protect the Service, minimum encrypted identifiers may be retained for six (6) months for re-registration restriction purposes. The Company reserves the right to pursue civil and criminal liabilities for unauthorized data crawling or commercial exploitation.

10. Membership Fees, Billing, and Refund Policy

1. Fees and specific features for each Membership tier are disclosed on the Service's pricing page.

2. Auto-Renewing Subscriptions: These are operated on an automatic renewal basis according to the billing cycle selected by the User. The fee will be automatically charged to the registered payment method on the same recurring date of each cycle. If the specific billing date does not exist in a particular month (e.g., the 31st), billing occurs on the last day of that month.

3. Non-Renewing Plans (Fixed-Term): These are billed as a lump sum for a fixed period (e.g., 1 year) conditioned upon maintaining the subscription for the full duration. Unlike Auto-Renewing Subscriptions, these plans terminate automatically upon expiration and do not renew.

4. Cancellation of Renewal:
   • For In-App Purchases (Apple App Store / Google Play Store), Users must manage and cancel subscriptions directly through their respective platform settings.
   • For Direct Credit Card payments, cancellations can be processed via the 'Manage Payment' page within the app.

5. Refund Policy:
   • Users may request a full refund within seven (7) days of payment, provided that they have not used any Paid Services (including premium functions, premium data, or AI Agent queries).
   • No refunds are available after seven (7) days from the billing date, or if the User has already utilized any paid features within those 7 days.

6. Platform-Specific Refunds:
   • Apple App Store: Refunds are processed entirely by Apple under Apple’s policies. The Company cannot directly approve or process Apple refunds.
   • Google Play / Direct Credit Card: The Company reviews and processes valid refund requests in accordance with developer console policies and internal refund guidelines.
     

7. Early Termination and Settlement of Long-Term/Multi-Month Products:
   If a User cancels a long-term discounted Non-Renewing Plan or a multi-month/annual Auto-Renewing Subscription product mid-term and requests a partial refund, the refund amount will be calculated by deducting the consumed period calculated at the standard non-discounted monthly rate from the total paid lump sum. Any fraction of a new monthly billing cycle will be rounded up and counted as a full month of use. The Membership benefits will remain active until the end of the paid monthly cycle.

11. Intellectual Property Rights

1. All copyrights, trademarks, patents, software, and other intellectual property rights in and to the Service and its Content belong exclusively to the Company or its third-party licensors.

2. Users are granted a limited, personal, non-exclusive, non-transferable, and revocable license to access the Service solely for personal use.

12. Disclaimer of Warranties and Limitation of Liability

1. NO INVESTMENT ADVICE: ALL CONTENT, DATA, FINANCIAL INFORMATION, MARKET CONDITIONS, NEWS, AND RESPONSES GENERATED BY THE AI AGENT WITHIN THE SERVICE ARE PROVIDED FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. NONE OF THE INFORMATION CONSTITUTES A RECOMMENDATION, ENDORSEMENT, INVESTMENT ADVICE, FINANCIAL ADVICE, OR TAX ADVICE BY THE COMPANY. THE COMPANY IS NOT A REGISTERED INVESTMENT ADVISOR OR BROKER-DEALER. THE USER ASSUMES SOLE RESPONSIBILITY FOR ANY INVESTMENT DECISIONS, AND THE COMPANY SHALL NOT BE LIABLE FOR ANY FINANCIAL LOSSES OR DAMAGES INCURRED BASED ON THE SERVICE.

2. AS-IS BASIS: THE SERVICE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF ACCURACY, COMPLETENESS, TIMELINESS, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. FINANCIAL DATA MAY BE DELAYED, INACCURATE, OR CONTAIN ERRORS DUE TO SOURCE PROVIDER FAULTS OR ALGORITHMIC MALFUNCTIONS.

3. LIMITATION OF LIABILITY: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, OR DIRECTORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, DATA, OR USE) ARISING OUT OF OR RELATED TO THE SERVICE.

4. CAP ON DAMAGES: IN NO EVENT SHALL THE COMPANY’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT PAID BY THE USER TO THE COMPANY FOR THE SERVICE IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED US DOLLARS ($100.00).

5. The Company shall not be liable for any failure to provide the Service due to force majeure events, including acts of God, war, terrorism, natural disasters, or unexpected system errors.

6. The Company shall not be liable for any disruptions in Service use caused by the User's negligence or fault.

7. The Company does not intervene in disputes between Users or between Users and third parties, and shall not be liable for any damages resulting therefrom.

13. Information and Advertisements

The Company may place advertisements and promotional materials on the Service screens, emails, or push notifications. The Company is not responsible for any transactions or interactions between the User and third-party advertisers linked through the Service.

14. Community and User Generated Content

1. Users retain ownership of copyrights in their UGC. However, by posting UGC within the Service, the User grants the Company a worldwide, royalty-free, perpetual, irrevocable, sublicensable, and transferable license to use, reproduce, distribute, modify, adapt, publish, translate, and create derivative works from such UGC for the operation, promotion, and improvement of the Service.

2. The Company reserves the right to remove, edit, or hide any User posts or UGC without prior notice if it violates Article 7 or disrupts community guidelines.

15. Notices

The Company may issue notices to Users via in-app announcements, website postings, or push notifications. For general notices affecting a large number of Users, posting within the Service for more than seven (7) days shall substitute for individual notice. The Company is not responsible for any disadvantages due to the User's failure to check notices.

16. Termination of Service

In the event that the Company terminates the Service entirely, it shall notify Users at least thirty (30) days in advance through the Service screens. For active Paid Membership Users, pro-rated refunds or alternative remediation terms will be separately guided.

17. Protection of Minors and Children

1. The Service is strictly prohibited for children under the age of thirteen (13) (or the minimum age required by local laws, such as 16 in certain EU jurisdictions). The Company does not knowingly collect or process personal data from children under 13. If the Company discovers it has collected data from a child under 13, it will delete it immediately.

2. Users who are at least 13 years old but have not yet reached the legal age of majority in their jurisdiction must obtain the consent of their parent or legal guardian to purchase Paid Services, subject to platform policies.

18. Governing Law and Dispute Resolution

1. Governing Law: These Terms and any disputes arising out of or related to the Service shall be governed by and construed in accordance with the laws of the Republic of Korea, without regard to conflict of law principles.

2. Informal Consultation and Arbitration (For Global & US Users): In the event of any dispute, the User and the Company shall first endeavor to resolve the matter promptly through good-faith, informal consultation. If the dispute cannot be resolved amicably, both parties agree to resolve the dispute through binding, individual arbitration rather than in traditional courts.
   • International Disputes: The dispute shall be submitted to the Korean Commercial Arbitration Board (KCAB) in Seoul, South Korea, and conducted in English under KCAB rules.
   • US-Based Users: If federal preemption or applicable local laws apply, the arbitration shall be administered by the American Arbitration Association (AAA) or National Arbitration & Mediation (NAM) under their respective consumer arbitration rules.

3. Requirement of Individualized Claims and Procedural Limitations: To the fullest extent permitted by applicable law, the User and the Company agree that each may bring claims against the other only in their individual capacity (Individual Capacity). Accordingly, neither party shall participate as a plaintiff, claimant, or class member in any purported class, collective, consolidated, or representative proceeding, and the arbitrator may not consolidate more than one person’s claims or otherwise preside over any form of a mass or representative proceeding.

19. Miscellaneous

If any provision of these Terms is found to be invalid or unenforceable by a court or arbitrator, the remaining provisions of these Terms will remain in full force and effect.

[Addendum]
These Terms of Service shall become effective on August 15, 2026.