Please read these Terms and Conditions (“Terms”) carefully before using the Keepbook service (the “Service”). By accessing or using the Service, You agree to be bound by these Terms. If You do not agree with any part of the Terms, You may not use the Service.

1. Interpretation and Definitions

1.1 Interpretation

Capitalized terms have the meanings defined in this section or elsewhere in these Terms. These definitions apply regardless of whether they appear in singular or plural form.

1.2 Definitions

For purposes of these Terms:

• “Application” means the software program provided by the Company (for example, the Keepbook web or mobile app).

• “Application Store” means any digital distribution platform (such as the Apple App Store or Google Play Store) where the Application may be downloaded.

• “Affiliate” means any entity that controls, is controlled by, or is under common control with a party, where “control” means ownership of at least 50% of the shares or voting interests.

• “Company” (also referred to as “We,” “Us,” or “Our”) means Keepbook AI B.V., a company organized under the laws of the Netherlands, with its principal office at Gerard Doustraat 228, 1017 XC Amsterdam, Netherlands.

• “Service” refers to the Application, the Website, and all related software-as-a-service (SaaS) features, functionalities, and content provided by the Company. This includes the Keepbook AI-powered financial planning & analysis platform and any services accessible through the Website or Application. The Service may combine software tools with professional business intelligence services or support.

• “Website” refers to the Keepbook website located at https://www.keepbook.ai (including any subdomains).

• “You” (or “Your”) means the individual or legal entity accessing or using the Service. If an individual is using the Service on behalf of a company or other legal entity, then “You” refers to that entity for the purposes of these Terms.

• “User Content” (also “Customer Data”) means any data, information, files, or materials that You upload, submit, or otherwise transmit to or through the Service, including financial data, documents, and any outputs generated from such data.

2. Acknowledgment and Scope of Agreement

• Legal Agreement: These Terms constitute a legally binding agreement between You and the Company regarding your access to and use of the Service. By creating an account, purchasing a subscription, or otherwise using the Service, You acknowledge that You have read, understood, and agree to these Terms, as well as our Privacy Policy (available on our Website), which is hereby incorporated by reference. If You do not agree to these Terms, You must not access or use the Service. If You have any questions about the Terms, please contact us before using the Service.

• Service Operator and Jurisdictions: The Service is operated by the Company in the Netherlands and is made available to users in multiple jurisdictions, including but not limited to the Netherlands, the United Kingdom, the United States, and South Korea. The Company may operate through local Affiliates or partners in certain regions for service delivery and compliance purposes, but unless otherwise specified, your contractual relationship under these Terms is with Keepbook AI B.V. (the Netherlands entity). You are responsible for ensuring that your use of the Service complies with the laws and regulations of your jurisdiction. Nothing in these Terms is intended to limit any rights you have under mandatory laws in your country of residence (see Sections 16 and 17 for certain jurisdiction-specific terms).

• Eligibility: You must be at least 18 years old and have the legal capacity to enter into a binding contract to use the Service. If You are under 18, you may only use the Service with the involvement and consent of a parent or legal guardian who agrees to be bound by these Terms on your behalf. The Service is intended for business and professional use. You agree that if you are using the Service on behalf of an organization, you have the authority to bind that organization to these Terms, and in that case, “You” will refer to the organization.

3. Nature of the Service

3.1 Overview of Keepbook

Keepbook is an AI-assisted Financial Planning & Analysis (FP&A) platform offered as a SaaS solution. The Service helps businesses and finance professionals aggregate, analyze, and manage financial data and documents. With Keepbook, You can generate customizable financial reports, perform variance analyses, conduct scenario forecasts, and identify anomalies by simply requesting these in natural language. The platform can integrate data from various sources (e.g., uploaded spreadsheets, Enterprise Resource Planning (ERP) systems, sales and HR databases, and even external news or market data) to bring relevant information into one place. Our goal is to enable end-to-end finance automation and insight generation. While the Service leverages advanced technologies (including machine learning and large language models) to assist You, any outputs or suggestions are provided for informational purposes only and should not be considered professional advice (see Section 13, No Professional Advice).

• Assistance, Not a Substitute: The Service’s AI-driven analyses and recommendations are designed to assist your decision-making, not replace professional judgment. AI outputs are based on patterns and data and may not account for all real-world factors or recent changes. You are solely responsible for evaluating the accuracy, completeness, and appropriateness of any output or suggestion provided by the Service before relying on it. Always use your own professional judgment and/or consult qualified professionals when making decisions based on information generated by the Service.

3.2 Core Functionalities

• Account Creation: You must create a user account to access the Service’s core features. During registration, You agree to provide accurate, current, and complete information about yourself (and your company, if applicable), such as name, email address, and company details. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You must notify Us immediately of any unauthorized use of your account or any other breach of security. The Company will not be liable for any loss or damage arising from your failure to keep your account credentials confidential.

• Data Uploads and Integrations (User Content): The Service allows You to upload or input your own data (“User Content”), such as financial data in Excel/CSV files, and to connect external data sources (for example, by integrating with your company’s ERP, sales, or HR systems, depending on your subscription plan). The Service will store and index this User Content in a secure cloud database to enable analysis and retrieval. If You choose not to provide or connect any data, note that many of the Service’s advanced features (such as detailed analyses or customized reporting) may be limited or unavailable. You are responsible for the content of your data and ensuring you have all necessary rights to use and upload it.

• AI-Driven Analysis and Reporting: Keepbook uses machine learning algorithms and natural language processing (including large language model technology) to analyze your User Content and generate outputs. By typing or speaking questions or commands (prompts) in plain language, You can request the Service to produce outputs like variance reports (e.g., comparing actual vs. budget figures), financial forecasts (e.g., projecting performance for upcoming quarters), anomaly detection (e.g., flagging unusual transactions or compliance issues), and other ad-hoc analyses. The Service will interpret your prompts and attempt to generate relevant results based on the data provided. We strive for useful and accurate analyses, but we do not guarantee that results will be complete, error-free, or suitable for any particular purpose. All outputs are provided “as is” (see Section 12, Disclaimer of Warranties). You should review any AI-generated analysis and, where appropriate, have it reviewed by a qualified professional before relying on it or sharing it.

• Subscription Plans and Usage Limits: The Service is offered under various subscription tiers with different features and limits. For example, plans may range from a Starter tier (suitable for a single user, with basic features like manual data upload and a limited number of AI query credits per month) up to Business, Professional, or Enterprise tiers (which support more users, higher query limits, and additional integrations or advanced features such as automated ERP synchronization, multi-entity consolidation, external data feeds, etc.). Details of the current subscription plans – including the number of users, credit limits for AI queries, data integration options, and specific features of each tier – are provided on our Website or in Service documentation. These plan offerings and features may change from time to time. You agree that your usage of the Service will conform to the restrictions of your chosen plan (for example, not exceeding the allowed number of users, AI query credits, or data storage volume for your tier). The Company reserves the right to monitor your usage and enforce usage limits (for example, by throttling or blocking overuse) or require You to upgrade your plan if your usage exceeds what is permitted under your subscription.

• Collaboration and Sharing: If your subscription plan allows, You may invite other authorized users (e.g., team members or colleagues) to collaborate within your Keepbook workspace. This could include sharing access to certain financial reports, dashboards, or datasets within your organization’s account. You are responsible for managing the permissions of any users you invite and ensuring that collaborators keep the data confidential and comply with these Terms. All collaborators or invited users must have their own credentials and are bound by these same Terms. The Service may also allow You to export or share reports (for example, downloading a PDF or CSV report to share externally, or using a shareable link feature). You are solely responsible for any distribution of content generated from the Service and must ensure that such sharing does not violate any third-party rights or applicable laws (for instance, do not share confidential financial data of your company with unauthorized recipients).

3.3 Third-Party Services and Data Handling

To provide the Service’s functionality, the Company utilizes certain trusted third-party services and technologies. By using the Service, You acknowledge and consent to the involvement of the following third-party components in handling your data, subject to the data protections described here and in our Privacy Policy:

• Cloud Infrastructure: The Service and your data are hosted and processed on third-party cloud infrastructure providers (such as Amazon Web Services (AWS)). This means that any data You upload is stored and processed in secure data centers managed by such providers. We implement industry-standard security measures (including encryption in transit and at rest) to protect your data on these systems. However, You acknowledge that use of the Service involves transmission of data over networks that are not owned by the Company (e.g., the internet), and thus the Company cannot guarantee absolute security of data transmissions or storage at all times.

• AI and Machine Learning Providers: Some AI-powered features of Keepbook (for example, natural language query processing or content generation) may be powered by external large language model services provided by third parties (e.g., OpenAI, Anthropic, or similar providers). When You input a prompt or question for analysis, the Service may send portions of your query and relevant contextual data (which could include segments of your User Content as necessary) to these external AI services in order to generate a response. Data Masking: The Company takes precautions to protect sensitive information during this process. Before transmitting any sensitive portions of your data to an external AI engine, we may mask, anonymize, or pseudonymize that data. For example, specific identifiers like personal names, account numbers, or other confidential values in your dataset might be replaced with placeholders or generalized tokens when querying the AI, so that the underlying sensitive details are not exposed. The AI service’s response is then processed and any placeholders are mapped back to the appropriate original values where needed. By using the Service, You consent to this method of processing your data through third-party AI providers, including the data masking techniques described. Please note: Although We contract with these providers and require them to protect your data (for example, OpenAI may retain API data only temporarily for abuse monitoring, currently up to 30 days, and not use it for training), We do not have direct control over their operations. Therefore, the availability and quality of certain Service features depend on these third-party AI providers. The Company is not liable for any downtime, service interruptions, data loss, or security incidents attributable to the failure of such third-party services. However, we will make reasonable efforts to maintain the continuity and security of the Service and will attempt to mitigate the impact of any third-party service disruptions on your use of the platform.

• Payment Processing: All payments for the Service (such as subscription fees) are handled through a third-party payment processor (for example, Stripe, Inc.). When You subscribe to a paid Keepbook plan, you will provide your payment details (e.g., credit card information) directly to our Payment Processor, who will process the payment transaction. Your payment information will be collected and processed by that external provider in accordance with their own terms and privacy policy. The Company does not store your full payment card details on our own servers. By subscribing to a paid Keepbook plan, You authorize the Company (and its Payment Processor) to charge your provided payment method for all applicable fees in accordance with your subscription plan (see Section 7 on Fees and Payments). You acknowledge that the processing of payments will involve the transfer of information to the Payment Processor and may be subject to their terms. The Company is not liable for errors, security breaches, or losses attributable to the Payment Processor (beyond the extent required by law).

• Other Sub-Processors: We may use additional sub-processor services for specific functionalities (for example, email/SMS communication services, customer support ticketing, or analytics). A current list of key sub-processors is available via our Privacy Policy or website. By using the Service, you consent to our use of sub-processors as described in these Terms and our Privacy Policy. We have entered into appropriate data processing agreements with our sub-processors to ensure they provide a level of data protection consistent with our obligations.

• Third-Party Links: The Service or communications you receive from us may contain links to third-party websites or services that are not owned or controlled by the Company. For example, the Service might provide a link to an external news article related to a financial event, or allow you to connect to an external data source or third-party service. These links are provided for your convenience only. The Company has no control over, and assumes no responsibility for, the content, privacy policies, terms, or practices of any third-party websites or services. If You access a third-party website or service via a link from Keepbook, You do so at your own risk. We strongly encourage You to read the terms and conditions and privacy policies of any third-party websites or services that You visit. Your dealings with any third parties found on or through the Service are solely between You and the third party. You agree that the Company shall not be responsible or liable for any loss or damage of any sort incurred as a result of any such dealings or as a result of the presence of such third-party links or services in the Service.

4. User Obligations and Acceptable Use

4.1 Acceptable Use Policy

You agree to use the Service only for lawful purposes and in accordance with these Terms. You are responsible for all activities that occur under your account and for your User Content. In using the Service, You agree NOT to:

• Violate Laws or Rights: Upload, post, email, transmit, or otherwise make available any User Content that (i) is unlawful, fraudulent, threatening, harassing, defamatory, obscene, or otherwise objectionable; (ii) violates any applicable law or regulation; or (iii) infringes, misappropriates, or violates the intellectual property, privacy, publicity, or other rights of any person or entity. This includes, for example, not using the Service to store or transmit others’ personal data in violation of data protection laws, and not posting content that you do not have the right to post.

• Distribute Malicious Software or Code: Upload or transmit any viruses, worms, malware, Trojan horses, corrupted files, or any other computer code, files, or programs designed to interrupt, disrupt, damage, or limit the functionality of the Service or any software, hardware, or telecommunications equipment. You shall not attempt to probe, scan, or test the vulnerability of the Service or any related system or network, or breach any security or authentication measures.

• Abuse the Service (Spam, Automation, Excessive Use): Use the Service to transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, or pyramid schemes. You also agree not to use any automated means (such as scripts, bots, or web crawlers) to collect information from or otherwise interact with the Service, except as may be expressly allowed by the Company (for example, legitimate use of our API, if provided, in accordance with separate API terms). You will not attempt to disrupt the Service or any infrastructure by deliberately imposing an unreasonable or disproportionately large load (e.g., by sending a flood of requests).

• Engage in Unauthorized Access or Tampering: Attempt to gain unauthorized access to any accounts, systems, or networks through hacking, password mining, or any other means. You will not interfere with or circumvent any security or access control measures of the Service. This includes not using another user’s credentials or impersonating any person or entity to gain access to areas you are not authorized to access.

• Misuse AI Outputs / High-Risk Use: Rely exclusively on the Service’s AI-generated outputs for critical decisions without independent verification. In particular, you agree not to use the Service as the sole basis for any high-stakes or legally binding decision-making in domains that could significantly impact an individual’s rights, health, financial status, or safety (for example, decisions regarding creditworthiness, employment, healthcare, financial reporting, or insurance eligibility) without appropriate human review. You must not offer or disseminate any AI-generated content from the Service as professional advice (legal, financial, medical, etc.) to third parties without clearly disclosing that it is AI-generated and ensuring that a qualified professional has reviewed the content for accuracy and suitability. Keepbook’s outputs are intended to assist knowledgeable users, not replace professional judgment or personalized advice.

• Prohibited Content Creation: Use the Service’s AI features to generate or disseminate content that is unlawful, harmful, or abusive. This includes content that is defamatory, obscene, invasive of privacy, incites violence, or is discriminatory or hateful toward individuals or groups (on the basis of race, ethnicity, religion, gender, sexual orientation, disability, or any other protected characteristic). You also agree not to use the Service to engage in activities that promote terrorism, exploit minors, or further any illegal activity.

• Intellectual Property Infringement: Use the Service to upload, share, or process any content that infringes upon the copyright, trademark, trade secret, patent, or other intellectual property or proprietary rights of any third party. You must have the necessary rights or permissions to any data or content you input into the Service. If your User Content includes third-party intellectual property (for example, data from a third-party source or documents authored by someone else), you represent that you have obtained all necessary consents or licenses for such use.

• Automated Decisions Without Safeguards: Use the Service’s AI capabilities in any manner that would categorize the AI as a “high-risk AI system” under applicable laws (such as the EU Artificial Intelligence Act) without implementing legally required safeguards and human oversight. For example, if You use Keepbook’s AI to assess regulatory compliance or financial risk in a manner that significantly affects individuals or businesses, You are responsible for ensuring any legal requirements (like transparency, record-keeping, or human review) are met on your end. (The Company maintains its own compliance measures for its AI systems – see Section 12 and Section 16/17 for more information on jurisdiction-specific AI compliance).

• Interfere with Others’ Use: Engage in any conduct that could disable, overburden, damage, or impair the Service (or the networks or systems connected to the Service), or interfere with any other party’s use and enjoyment of the Service. You may not harvest or collect information about other users of the Service without their consent.

A violation of this Acceptable Use Policy is a serious breach of these Terms and may result in immediate suspension or termination of your account (see Section 10, Termination), as well as potential legal consequences. The Company reserves the right (but has no obligation) to review, monitor, and/or remove any User Content or activity that violates these Terms or applicable law.

4.2 User Content – Ownership and License

Ownership: You retain all ownership and intellectual property rights in the User Content that You provide to the Service. The Company does not claim ownership over your financial data, documents, or other content you upload. Nothing in these Terms will be construed as transferring ownership of your User Content to the Company.

• License to Company: By submitting or uploading User Content to the Service, You grant the Company and its Affiliates a worldwide, non-exclusive, royalty-free, fully-paid, sub-licensable license to host, store, reproduce, modify (for technical purposes, e.g. creating backups or formatting for display), create derivative works of (for example, parsing data into charts or summaries), distribute, perform, and display your User Content solely for the purpose of operating, maintaining, and improving the Service and as otherwise necessary to provide the Service to You and other users. This license enables us, for example, to securely store your data on our cloud servers, back it up, index it for search and analysis, process it through our algorithms (including via third-party AI services as described in Section 3.3) to generate results for you, and send you relevant communications. We will not use your User Content for any purposes outside the scope of operating and improving the Service, except as permitted by these Terms, as described in our Privacy Policy, or as required by law. This license continues for as long as You have not deleted the User Content or terminated your account, except to the extent necessary for us to maintain business records or comply with law (see Section 10 regarding data deletion upon termination).

• Your Responsibilities & Warranties: You are solely responsible for the legality, quality, integrity, and appropriateness of the User Content you upload. You represent and warrant that you have all necessary rights, consents, and permissions to provide the content to the Service and to grant the license above. Do not upload personal data or sensitive information of others without proper authorization or consent. If your User Content includes personal data about individuals (for example, employee data from an HR system or personal information about customers or partners), you are responsible for ensuring that the collection and use of that data through the Service complies with all applicable privacy laws (such as the EU’s GDPR, UK data protection laws, South Korea’s PIPA, U.S. state privacy laws, etc.). This may include providing any required notices and obtaining any necessary consents for processing that data in the Service. The Company acts as a data processor for any personal data contained in User Content, as described in our Privacy Policy, and will process such data in accordance with your instructions and applicable law. The Company is not responsible for any violations of law or third-party rights that occur due to the content you provide or your use of the Service.

• Content Moderation: The Company reserves the right (but is not obligated) to review and remove any User Content or to disable or terminate any account that, in our judgment, violates these Terms or applicable law, or that may otherwise expose the Company or other users to harm or liability. We may also suspend access to or delete any content at the request of law enforcement or regulatory authorities, or if such content is subject to a facially valid court order or notice of infringement (such as a DMCA takedown notice). However, except as required by law, we do not actively monitor all User Content, and you may be exposed to content entered by other users that is offensive, inaccurate, or unlawful. The Company is not responsible for any user-provided content, and You agree to use the Service at your own risk, exercising due caution and judgment with respect to content you view, analyze, or act upon.

4.3 Feedback and Suggestions

We welcome your feedback and suggestions for improving the Service. If You voluntarily provide us with any feedback, comments, ideas, or suggestions (“Feedback”) about the Service or our business, You agree that such Feedback is given freely without any expectation of confidentiality, compensation, or attribution. You further agree that the Company is free to use, disclose, reproduce, license, or otherwise distribute and exploit the Feedback provided as it sees fit, entirely without obligation or restriction of any kind. This means, for example, that if You send us a suggestion for a new feature and we incorporate that idea, you will not be entitled to any payment or recognition. Do not provide Feedback if you expect to be paid or wish to retain ownership of the idea. Any Feedback you provide may be used to improve our products and services, and you grant the Company a perpetual, irrevocable, worldwide, royalty-free license to use and incorporate your Feedback into the Service or our business operations.

4.4 Security Obligations

You are responsible for maintaining the security of your account and the devices you use to access the Service. This includes:

• Keeping your account password (and any two-factor authentication credentials, if enabled) confidential and not sharing them with anyone else.

• Promptly notifying the Company if you discover or suspect any security breaches or unauthorized access related to the Service or your account. You can contact us at our designated security email (see Section 22, Contact Us) to report security issues.

• Using a reputable antivirus and malware protection software on any device you use to upload data to or download data from the Service, and keeping your devices’ operating systems and applications updated with the latest security patches.

While the Company implements technical and organizational measures to protect the security of the Service and your data (including encryption, access controls, and regular security audits), no system is completely secure. You acknowledge that any transmission of data through the Service is at your own risk. You will not hold the Company responsible for any unauthorized access or loss of data that is beyond our control. We strongly encourage You to maintain backups of your important data outside of the Service as an extra precaution to prevent loss or corruption of data.

4.5 Compliance with Laws

You agree to use the Service in compliance with all laws and regulations that apply to You. This includes, without limitation:

• Privacy and Data Protection Laws: If You upload personal data, you must comply with applicable data protection laws (as noted in Section 4.2). If required by law, you are responsible for informing and obtaining consents from individuals whose personal data you process via the Service. We offer tools and features designed to help with compliance (see our Privacy Policy and documentation for details like data export or deletion capabilities, etc.), but You are ultimately responsible for proper configuration and use of the Service in compliance with law.

• Financial and Accounting Regulations: If You use the Service for financial reporting or analysis (e.g., under IFRS, GAAP, or other accounting standards), you are responsible for ensuring that the outputs are reviewed and adjusted as necessary to meet official reporting requirements. The Service may assist with calculations and drafting, but You must ensure final reports are accurate and compliant with applicable accounting or regulatory standards.

• Export Controls and Sanctions: You will not use the Service in, or export any software or technology related to the Service to, any country or region against which the U.S., EU, or UK has a comprehensive embargo, nor will You permit any individual or entity on sanctioned-party lists (such as the U.S. Treasury Department’s list of Specially Designated Nationals) to access or use the Service. You represent that you are not located in or ordinarily resident in any such embargoed country or territory, and that you are not a denied or restricted party according to applicable export control laws.

• Other Laws: You are responsible for compliance with any other laws applicable to your use of the Service. For example, if you are subject to sector-specific regulations (such as financial services regulations, healthcare regulations, or consumer protection laws in providing services to third parties), it is your responsibility to determine whether your use of the Service is permitted under those regulations. The Company does not warrant that the Service is compliant with any industry-specific regulation and shall not be liable if your use of the Service is later determined to be impermissible under such regulations.

If your jurisdiction imposes additional legal requirements or consumer rights that must be included in these Terms, those requirements are addressed in Section 16 (for EU/UK) and Section 17 (for South Korea), and nothing in these Terms is meant to limit any rights you have under local law.

5. Intellectual Property

5.1 Company Intellectual Property

The Service (including all content, software, code, algorithms, user interfaces, documentation, images, logos, trademarks, designs, and other materials that are part of the Service, excluding Your User Content) is the property of the Company or its licensors and is protected by intellectual property and other laws. All rights, title, and interest in and to the Service, including all associated intellectual property rights, remain with the Company and its licensors. You are granted a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your internal business purposes and strictly in accordance with these Terms and any usage guidelines or documentation we provide. This license does not give You any ownership of any aspect of the Service or any rights to use the Company’s name, logos, or trademarks, except as necessary for your permitted use of the Service.

• Restrictions: Except as expressly permitted by applicable law or authorized by the Company in writing, You agree not to (and not to allow any third party to):

  • Copy, modify, adapt, translate, or create derivative works of the Service (or any component of it).

  • Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code or underlying structure, ideas, or algorithms of any part of the Service (except to the limited extent that applicable law prohibits such restrictions).

  • Sell, lease, license, rent, resell, distribute, or otherwise transfer or exploit for commercial gain the Service or access to the Service, except as part of an authorized collaboration under your account.

  • Remove or obscure any proprietary notices or labels on the Service.

  • Use any trademarks, logos, trade names, or other identifiers of the Company or its licensors without prior written permission.

All trademarks, service marks, logos, trade names, and any other proprietary designations of the Company used herein are trademarks or registered trademarks of the Company. Any other company and product names mentioned in the Service may be the trademarks of their respective owners. Nothing in these Terms grants You any right or license to use any of the Company’s trademarks or any third-party trademarks.

5.2 Your Content and Generated Outputs

Nothing in these Terms transfers ownership of your User Content to the Company. You retain all rights to the User Content you upload to the Service, subject to the limited license you grant Us to operate the Service (as described in Section 4.2).

• Outputs and Results: The analytical results, reports, or other outputs generated by the Service based on your User Content are considered derived from your User Content. This means that if the output includes or is based on your data, you retain any ownership rights you would have in that data or its direct derivatives. For example, if you upload a proprietary dataset and the Service generates a chart or summary from it, that chart or summary is, as between You and the Company, your property (subject to the Company’s rights in the underlying software used to create it).
  However, you acknowledge that the Company owns all rights in the software, algorithms, and methodologies by which the analysis is performed and the output is generated. So while you may use the outputs freely for your internal purposes, You do not gain any ownership of the tools or processes used to create those outputs.

• Sharing Outputs: If you choose to share or publish the outputs generated by the Service, you must ensure that doing so does not disclose any Company confidential information or proprietary methodologies. In most cases, outputs will not contain such information (they will contain your data and the results of analysis). We simply ask that you do not, for example, reverse engineer or extract the source code or specific algorithmic techniques from the Service and then expose those publicly. When in doubt, consult us if you believe your method of sharing results might expose Company proprietary information.

5.3 Feedback License

(See Section 4.3 above regarding how we may use Feedback. We include this here for completeness under Intellectual Property.) Any Feedback You provide is voluntary and the Company may use it for any purpose without obligation of any kind. You hereby grant the Company a perpetual, irrevocable, worldwide, royalty-free, and transferable license to use, reproduce, disclose, sublicense, or otherwise distribute and exploit Feedback you provide to the Company, without any obligation to compensate You.

6. Promotions and Beta Features

From time to time, the Company may offer special programs, promotions, beta features, trials, contests, or sweepstakes (collectively, “Promotions”) to some or all users. Additional or separate terms may apply to these Promotions, which will be provided to you at the time of participation, and such terms are hereby incorporated into these Terms by reference. Participation in any Promotion is voluntary. If there is any conflict between the specific Promotion terms and these Terms, the Promotion-specific terms will govern your participation in that Promotion.

Unless otherwise stated in the Promotion terms:

• Promotions are often time-limited and may have eligibility requirements (for example, new users only, or specific subscription tiers). We reserve the right to determine your eligibility for any Promotion.

• Any free or discounted access provided during a Promotion will revert to normal pricing or access once the Promotion period ends, unless you separately subscribe to the Service on paid terms. We will notify you of any charges that will apply after a free trial or promotional period, as required by law. For example, if you have a 30-day free trial, we may send an email reminder before the trial ends and your credit card is charged for the next period, if you have not cancelled.

• Beta features are provided on an “as-is” and “as-available” basis for evaluation only, without any warranties (explicit or implied). Beta features may be unstable or change significantly between initial release and official launch. We may solicit or collect your feedback on beta features, and such feedback will be treated as described in Section 4.3. We reserve the right to modify or discontinue beta features at any time, and we make no promises that beta features will be released as general features.

• The Company reserves the right to modify or cancel any Promotion at any time without notice (though this will not affect any benefit you have already earned or received under the Promotion, unless you are disqualified due to a violation of applicable terms).

• Unless expressly stated, Promotions are not open to employees, contractors, or partners of the Company or its Affiliates, and any such individuals are ineligible.

7. Fees, Payments, and Subscription Terms

7.1 Subscription Plans and Billing

• Pricing and Plans: Access to the Service’s full functionality requires a paid subscription. When You register for a paid plan (or upgrade from a free trial to a paid plan), You agree to pay the subscription fees and any applicable taxes as specified at the time of purchase. Subscription fees and available plans are described on our Website or within the Service interface. All fees are stated in the indicated currency (for example, Euros for EU customers or U.S. Dollars for U.S. customers) and are exclusive of taxes unless specified. The Company reserves the right to change the fees and/or the features of any subscription plan; however, any such changes will not take effect for your plan until the start of a new billing cycle after we have given you notice of the changes (see Section 21 regarding changes to Terms, including pricing).

• Billing Cycle: Subscription fees will be billed in advance on a recurring basis (e.g., monthly or annually), depending on the billing cycle you choose when purchasing the subscription. Your billing cycle will be specified when you sign up. For example, if you start a monthly subscription on the 15th of a month, you will be charged on that day and every month thereafter on the 15th (subject to minor adjustment for differing month lengths, time zones, etc.). If a charge is not successfully settled (due to expiration, insufficient funds, or otherwise) and you do not cancel the account, we may attempt to charge the payment method again or ask you to provide a new payment method. If payment remains unsuccessful, we may downgrade or suspend your access to the Service for non-payment (see Section 10).

• Free Trials and Introductory Offers: The Company may offer free trials or discounted introductory periods for certain subscription tiers. For example, we might offer a 14-day free trial for new users on the Professional plan. If You sign up under such an offer, you will receive free or discounted access for the specified trial period. Unless otherwise stated, at the end of a free trial or promotional period, your subscription will automatically convert to a paid subscription at the standard rate for that plan, and your provided payment method will be charged on the day the trial ends (or the next day, if the trial ends with no charge due that day). You are responsible for tracking the trial period and understanding when any charges will begin. In some cases, we may not send a separate notice that your trial is about to end. If you do not wish to continue with a paid subscription, you must cancel the subscription before the trial period ends (see Section 7.2 on Cancellations). Free trial eligibility is determined by the Company at its sole discretion, and we may limit trial eligibility or duration to prevent abuse. For instance, if you or your organization had a paid subscription or trial before, you may not be eligible for another free trial.

• Account Upgrades and Downgrades: You may upgrade or downgrade your subscription plan through your account settings (if available) or by contacting us.

  • Upgrades: If you upgrade to a higher-tier plan or add additional users/features, the change may take effect immediately, and a prorated charge for the remaining period in your billing cycle may be applied (or you may be charged the full amount for the new plan and receive a credit for the unused portion of the old plan – the specific method will be shown to you at the time of upgrade). Subsequently, your billing cycle may reset to the date of the upgrade for future charges. We will inform you of how any upgrade is billed at the time you make the change.

  • Downgrades: If you downgrade to a lower-tier plan or reduce the number of users/features, the change will typically take effect at the start of your next billing cycle to avoid interrupting services you have already paid for. Downgrading may result in loss of features or capacity (for example, if you go from a plan with 5 users to a plan with 1 user, you will need to remove extra users and those users will lose access at the next renewal). We recommend downgrading at the end of your current term to fully utilize your existing plan. The Company is not responsible for any loss of data or functionality due to a downgrade that you initiate. Certain data or content exceeding the limits of the new plan (e.g., additional connected data sources, or AI query credits beyond the new plan’s allowance) may become inaccessible after the downgrade.

• In-App Purchases via App Stores: If you downloaded the Keepbook Application from a third-party Application Store (such as Apple’s App Store or Google Play) and subscribed or made a purchase through that platform, the purchase may also be governed by the Application Store’s own payment terms and conditions. In such cases, billing, cancellations, and refunds may be handled by the Application Store directly, and our ability to assist you with those transactions could be limited. The Company is not responsible for the handling of payments or refunds for transactions processed by third-party Application Stores. Please review the payment terms on the applicable Application Store. Any fees charged by the App Store (for example, Apple’s in-app purchase fees) are beyond the Company’s control and are subject to that store’s policies.

7.2 Cancellations, Refunds, and Termination of Subscription

• Cancellation by You: You may cancel your paid subscription at any time by following the instructions in your account settings or by contacting our customer support. If you cancel, the cancellation will take effect at the end of your current billing period. You will not be charged for any subsequent billing periods, but we do not provide pro-rated refunds for the remaining days in your current billing period after cancellation (except where required by law or expressly provided otherwise in these Terms). For example, if you are on a monthly plan and cancel midway through the month, you will retain access until the end of that month, and your subscription will not renew for the next month. You will not receive a refund for the unused portion of the month, unless such a refund is required by law (see Section 16 for EU/UK consumers and Section 17 for South Korean consumers, who may have special cancellation rights).

• Refund Policy: In general, all charges are non-refundable. This includes fees paid for subscriptions, as well as one-time charges (if any). However, the Company will honor any refund or cancellation rights that you have under applicable law. For instance:

  • If a law in your jurisdiction provides a “cooling-off” period or statutory right to cancel a digital service contract within a certain time frame, we will comply with that law (see Section 16.1 for EU/UK consumers – typically a 14-day cancellation right for online services under consumer law, and Section 17.2 for South Korean users – a 7-day cancellation right under electronic commerce law, with some exceptions).

  • If you believe there has been a mistake in billing (for example, you were charged twice or charged after you timely canceled), please contact us and we will review the issue. If we confirm an error on our side, we will issue a refund to correct it.

  • In rare cases, if a serious technical issue attributable to the Service (and not to any third-party or your actions) severely impacts your use of the Service and we are unable to resolve it in a reasonable time, we may, at our discretion, offer a refund or credit for the affected period as a courtesy.

Any approved refunds will be processed to the original payment method where possible, or via an alternative method at our discretion. Please note that if you purchased via an Application Store, you will need to request any refund through that platform, as we may be unable to process it directly.

• Termination or Suspension by Us: The Company reserves the right to suspend or terminate your subscription (or access to certain features) if payment is not received when due, or if you otherwise breach these Terms (see Section 10 for more details on termination). If we terminate your account or subscription for material breach of these Terms, you will not be entitled to any refund of fees already paid. If we terminate the Service in its entirety or terminate your account in our discretion without cause (for example, if we decide to discontinue the Service or a portion of it for all users, or if we terminate your account in error), we will provide a pro-rata refund of any pre-paid fees covering the remaining period of your subscription.

• Effect of Cancellation: Once your subscription ends (whether by cancellation or non-renewal), you will lose access to any paid features of the Service. We may downgrade your account to a free plan (if available) which would allow limited functionality, or we may close your account altogether. It is your responsibility to export or back up any important data from the Service before your subscription ends. We are not responsible for any data that is lost due to the expiration or cancellation of your subscription, subject to any data retention practices outlined in our Privacy Policy or required by law.

7.3 Taxes

Subscription fees and other charges do not include federal, state, local, or other governmental taxes, fees, or charges (collectively, “Taxes”). You are responsible for paying all applicable Taxes that are assessed based on the billing information you provide and the jurisdiction in which the Service is provided to you. For example, if you are in the EU, your subscription fees may be subject to EU Value Added Tax (VAT); if you are in South Korea, Value Added Tax may apply; if in certain U.S. states, sales or use tax might apply. Where required by law, we will collect Taxes from you and remit them to the appropriate taxing authority. If any Taxes are required by law to be withheld from payments to the Company, you will gross up payments such that the net amount received by the Company after such withholding equals the amount that the Company would have received if no withholding had been required. We will provide you with invoices or receipts that itemize any Taxes charged. If you are exempt from certain taxes, it is your responsibility to provide us with appropriate documentation of your tax-exempt status, and we reserve the right to determine if such exemption applies to you and the Service.

8. Indemnification

• Your Indemnification of Us: You agree to indemnify, defend, and hold harmless the Company, its Affiliates, and their respective directors, officers, employees, and agents (collectively, the “Indemnified Parties”) from and against any and all third-party claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) that arise out of or relate to:
  (a) Your Use of the Service: Any use of the Service by You or your authorized users that is in violation of these Terms or of any applicable law or regulation. This includes, for example, claims arising from content you upload, analysis or outputs you generate, or decisions you make based on the Service’s outputs.
  (b) User Content: Your User Content, including any claim that content you uploaded to the Service infringes, misappropriates, or violates a third party’s intellectual property rights, privacy rights, or other rights, or has caused harm to a third party (for instance, if you upload defamatory information or someone’s personal data without authorization).
  (c) Breach of These Terms: Any breach by You of these Terms, including but not limited to any representation or warranty you make hereunder (such as the warranties in Section 4.2 regarding having rights to your User Content).
  (d) Negligence or Misconduct: Your gross negligence or willful misconduct, or that of any person accessing the Service using your account credentials (unless such access was the result of the Company’s breach of these Terms).

You agree that we have the right to control the defense (including choice of counsel and all decisions regarding litigation or settlement) of any indemnified claim. However, you must not settle any claim against the Indemnified Parties unless such settlement fully releases the Indemnified Parties from all liability and does not contain any admission of wrongdoing, fault, or liability or any injunctive relief or other non-monetary relief on the part of an Indemnified Party, without our prior written consent. We will notify you promptly of any claim for which we seek indemnification (provided that any delay in notification will not relieve you of your obligations under this Section except to the extent that the delay impairs your ability to defend). We will reasonably cooperate with you (at your expense) in the defense of the claim.

• Our Indemnification of You: The Company agrees to defend You, and indemnify and hold you harmless from and against any third-party claims, damages, or expenses (including reasonable attorneys’ fees) to the extent arising from a claim that the Service’s proprietary technology (as provided by the Company, and excluding any User Content, third-party content, or third-party components of the Service) directly infringes a third party’s intellectual property rights (such as a valid patent or copyright). In the event of such a claim, we may, at our option, and in addition to our indemnity obligation: (i) procure for you the right to continue using the Service; (ii) modify or replace the allegedly infringing part of the Service to avoid the infringement (without materially reducing the Service’s functionality); or (iii) if the above options are not commercially reasonable, terminate your subscription to the Service and refund any pre-paid, unused fees for the terminated portion of the subscription. Our indemnification obligation to You does not apply to claims arising from (1) the combination or use of the Service with products, services, or data not supplied by the Company, if the claim would not have arisen but for such combination or use; (2) any modification of the Service by You or at your direction, if the claim would not have arisen but for such modification; (3) use of the Service in a manner not authorized or intended under these Terms or the documentation; or (4) any Third-Party Services or components that are part of the Service (for example, claims related to AWS infrastructure or OpenAI technology – those providers are responsible for addressing such claims under their own terms). This section states our entire liability and your sole and exclusive remedy with respect to any intellectual property infringement or misappropriation claim concerning the Service.

• Indemnity Exceptions: You are not obligated to indemnify the Company for the Company’s sole negligence or willful misconduct. Likewise, the Company’s indemnification obligation above does not apply to any amounts resulting from your actions that give rise to an indemnifiable claim under the first paragraph of this Section. In other words, if both you and the Company are at fault, each party will bear responsibility to the extent of its fault.

This indemnification section will survive any termination or expiration of these Terms.

9. Termination and Suspension

9.1 Termination by the Company

The Company may terminate or suspend your access to the Service (in whole or in part) immediately, without prior notice or liability to You, for the following reasons:

• Breach of Terms: If You violate any provision of these Terms, or if we reasonably suspect that You have violated these Terms (including the Acceptable Use Policy in Section 4.1). For example, using the Service to engage in illegal conduct, infringing others’ rights, or attempting to hack our systems would all be grounds for immediate termination.

• Non-Payment: If you fail to pay any fees due for your subscription and such failure continues for a reasonable period after the due date (we will usually provide a warning or reminder before suspension or termination for non-payment).

• Legal Requirement: If we are required to do so by law or by order of an authority (for example, if a court or regulator requires us to terminate the Service or your use of it, or if provision of the Service to You becomes unlawful).

• Security Threats: If You (or your account usage) pose a security risk to the Service or to other users, or if your account has been compromised in a way that may threaten the security of our systems or other users’ data. In such cases, we may suspend access to contain the threat.

• Discontinuation of Service: If the Company decides to discontinue the Service entirely (for all users), or to discontinue or replace a particular portion or feature of the Service. In such event, we will provide advance notice to the email associated with your account or via the Service when feasible (see Section 21 regarding Changes to Terms/Service).

• Other Reasons: If there is unexpected technical, cybersecurity, or safety issues or problems, or in cases of prolonged inactivity of a free account (for example, we may close free accounts that have not been accessed for over a year, after warning).

If your account is terminated or suspended, whether by you or by us, you should understand the following:

• Cessation of Access: Upon termination, your right to use the Service will immediately cease. You must stop all use of the Service, and we may disable or delete your account and all associated data (except as noted below). You may not attempt to create a new account or access the Service without our permission if your account has been terminated for a violation of these Terms.

• Data Retention and Deletion: After termination, the Company will delete your User Content and account data in accordance with our data retention policies and Privacy Policy. In general, for terminated accounts, we will retain data for a limited period in backup or archive (to allow for restoration in case of accidental termination or if needed for legal reasons), and thereafter will securely delete or anonymize it. Important: After your account is terminated, you will no longer have access to your User Content through the Service, so if possible, you should retrieve any important data before terminating your account or shortly thereafter. We are not obligated to provide you with copies of your data following termination, except as required by law. If you anticipate needing assistance retrieving data after termination, please contact us promptly.

• Fees and Refunds: If your account is terminated due to your breach of these Terms or misuse of the Service, you will not be entitled to any refunds of fees you have paid. If we terminate your account without cause (for example, we decide to discontinue the Service and you haven’t violated any terms), we will provide any pro-rata refunds for prepaid services as described in Section 7.2. Any fees owed to the Company up to the date of termination remain payable and may be charged to your payment method or invoiced.

• Liability: Except as otherwise expressly provided in these Terms, the Company shall not be liable to You or any third party for termination of your account or access to the Service. Termination does not waive or release any party from any obligations incurred prior to termination (for example, your obligation to pay fees owed or our obligation to refund, if applicable, or each party’s obligation to indemnify for prior acts). Provisions of these Terms that by their nature should survive termination (such as Indemnification, Limitation of Liability, Disclaimer of Warranties, Dispute Resolution, and others) will survive.

9.2 Termination by You

You have the right to terminate your account or subscription at any time if you are not satisfied with the Service or otherwise choose to stop using it. You may terminate by using the cancellation feature in your account settings (for paid subscriptions) or by contacting us and requesting account deletion. If you are on a paid plan, termination is subject to the provisions in Section 7.2 (i.e., you won’t receive a mid-term refund except as required by law, and termination will be effective at end of the billing period unless we agree to earlier termination). If you simply stop using the Service or uninstall the application without explicitly canceling, your account may remain active (and charges may continue if it’s a paid plan) until you formally cancel or we determine that your account will be closed for inactivity.

9.3 Suspension

In lieu of termination, the Company reserves the right to suspend your access to the Service or certain features immediately under the circumstances set forth in 9.1 (for example, pending investigation of a suspected breach or while awaiting payment). Suspension shall not erase your data, but you will not be able to access it during the suspension period. The Company will use reasonable efforts to notify you of any such suspension and, where feasible, work with you to resolve the issue so that access can be restored. However, we are under no obligation to restore access until the conditions for suspension are resolved to our satisfaction (for instance, you have paid overdue fees or provided evidence that the issue causing the suspension has been cured).

10. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall the Company or its Affiliates, or their respective directors, officers, employees, agents, suppliers, or licensors, be liable to You or any third party for any indirect, incidental, special, consequential, or punitive damages whatsoever, arising out of or related to your use of or inability to use the Service or any software, services, or content within it. This exclusion of damages includes, but is not limited to, damages for lost profits or revenue; loss of data; loss of business opportunity or goodwill; procurement of substitute goods or services; computer damage or system failure; or any other tangible or intangible losses arising from: (a) your use or inability to use the Service, (b) any conduct or content of any third party on or using the Service, including defamatory, offensive or illegal conduct of other users or third parties, (c) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, even if the Company has been advised of the possibility of such damages and even if a remedy set forth herein is found to have failed its essential purpose.

In jurisdictions where the exclusion of certain warranties or the limitation of liability for certain types of damages is not allowed, some of the above exclusions and limitations may not apply to You. In such jurisdictions, the Company’s liability will be limited to the greatest extent permitted by law.

• Cap on Liability: To the fullest extent permitted by law, the maximum total liability of the Company and its Affiliates (and their respective directors, officers, employees, agents, suppliers, and licensors), for all claims, losses, or damages under these Terms or relating to the use of or inability to use the Service, whether in contract, tort (including negligence), strict liability, or any other theory, shall be limited to the total amount of fees You paid to the Company for the Service in the twelve (12) months immediately preceding the event giving rise to the liability, or €100 EUR, whichever is greater. If you have not paid any fee to the Company for use of the Service in that period (for example, if you are on a free plan), the Company’s total liability to you for all claims shall not exceed €100 EUR. This limitation applies cumulatively to all claims, whether arising out of breach of contract, warranty, tort (including negligence), strict liability, product liability, or otherwise.

• Specific Carve-Outs: Nothing in these Terms shall operate to limit or exclude the Company’s liability for: (i) death or personal injury caused by the Company’s negligence; (ii) fraud or fraudulent misrepresentation; or (iii) any other liability which cannot be limited or excluded under applicable law (such as certain statutory warranties, or liabilities under applicable product liability laws). In addition, if You are a consumer in a jurisdiction that does not allow the limitation of liability for certain types of harm (for example, some jurisdictions do not allow the exclusion or limitation of liability for gross negligence or willful misconduct), then our liability is limited to the maximum extent permitted by law.

• Additional Statutory Rights for Consumers: If You are using the Service as a consumer (meaning, for personal use and not for business purposes) in certain jurisdictions, you may have additional rights or remedies under local law (see Section 16 for EU/UK consumers and Section 17 for South Korean consumers). We do not seek to limit those rights where it is not lawful to do so. For instance, consumers in the EU and UK have certain rights regarding the quality and fitness of digital services and remedies if a service is not in conformity with the contract.

• Allocation of Risk: You acknowledge and agree that the disclaimers, exclusions, and limitations of liability in these Terms allocate the risks of using the Service between the parties, and that the fees (if any) charged for the Service reflect this allocation of risk and the limitations of liability specified. You further acknowledge that absent these limitations, the Company would not be able to make the Service available to you on the same terms, or at the current prices.

11. “AS IS” Disclaimer of Warranties

The Service is provided to You on an “AS IS” and “AS AVAILABLE” basis, with all faults and without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties and conditions of any kind, whether express, implied, statutory, or otherwise with respect to the Service, including (but not limited to) all implied warranties or conditions of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, or non-infringement, and any warranties that may arise out of course of dealing, course of performance, usage, or trade practice.

• Without limiting the generality of the foregoing, the Company makes no warranty or representation that:

  • The Service will meet your requirements or expectations. We do not guarantee that the specific results you seek (for example, a particular analysis outcome or problem resolution) will be achieved.

  • The Service will be uninterrupted, timely, secure, or error-free. We do not warrant that you will be able to access the Service at any given time or that it will be free of delays, downtimes, or vulnerabilities. All software has bugs and all online services experience occasional outages.

  • The information or results obtained through the Service will be accurate, reliable, or complete. Any information or output provided by the Service, including AI-generated analyses, financial forecasts, or anomaly detections, is for general informational purposes. The Service’s content (including any guidance in help documentation, blog posts, or support responses) is not professional advice and should not be relied upon without appropriate independent verification.

  • Any errors or defects in the Service will be corrected. While we strive to fix bugs and errors and continuously improve our Service, the Service is complex and provided as-is. We do not guarantee that any specific error will be fixed within a certain timeframe, or that the Service will be free of viruses or other harmful components (though we do employ measures to detect and prevent such components).

• AI-Related Disclaimer: You expressly understand that the Service incorporates artificial intelligence and machine learning components which are probabilistic by nature. Outputs generated by AI (including text, analyses, predictions, or recommendations) may not be accurate, complete, or even coherent. In some cases, AI outputs may reflect biases or inaccuracies present in training data or may produce content that is unexpected or that a human would not endorse. The Company does not warrant or guarantee that AI-generated outputs will be correct, truthful, or reliable. You should review any AI-generated content carefully. If the Service provides content that you find offensive or inappropriate, or that appears to contain personal data or sensitive information that was not expected, you are encouraged to contact us so we can investigate and improve the system, but We will not be liable for the content generated by the AI features of the Service. Additionally, any recommendations or predictions provided by the AI (for example, forecasted financial figures or flagged anomalies) should be treated as informational estimates. They are not guarantees of future performance or definitive statements of fact. You should not base critical decisions solely on AI output without human review and external validation.

• No Professional Advice: (Further detailed in Section 13) The Service is not a substitute for professional judgment or advice. Always consider consulting qualified professionals for advice on financial, accounting, legal, or other matters.

Some jurisdictions do not allow the exclusion of certain warranties. To the extent that such exclusions are specifically prohibited by law, some of the exclusions set forth above may not apply to you. In such cases, the Company’s warranties will be limited to the minimum extent permitted by applicable law.

12. No Professional Advice; AI Decision-Making

The Service is intended to assist with financial analysis and decision support, but it does not provide professional advice and should not be relied upon as such. All information, analysis, or output provided by the Service – including but not limited to financial projections, variance analyses, risk alerts, compliance or anomaly flags, and natural language answers to your queries – are for general informational purposes only.

You acknowledge and agree:

• Not an Accountant/Financial Advisor/Lawyer: Neither the Company nor the Service is engaged in providing accounting, financial, investment, tax, legal, or any other professional services to You. The outputs of the Service (even if they include terminology or data relevant to these fields) do not constitute advice in those domains. For example, if the Service’s analysis suggests a certain expense is anomalous or a forecast predicts a budget shortfall, you must independently verify those findings and, if needed, consult a certified public accountant or financial advisor for guidance tailored to your situation. If the Service generates a summary of a regulatory change or a legal issue, you should consult an attorney for legal advice specific to your circumstances.

• Human Oversight Required: You are fully responsible for any decisions or actions You take (or do not take) based on information obtained from the Service. Any decisions regarding financial planning, investment, compliance, or other business activities should be made by You in conjunction with advice from qualified professionals and consideration of factors beyond what the Service may provide. You should use the Service as one input among many and not as the sole basis for important decisions. The responsibility for interpreting the results provided by the Service and for implementing any recommendations lies with You.

• AI Limitations and Transparency: The Service’s AI features may sometimes provide outputs that sound confident but could be incorrect or misleading. Always use your own judgment. If You provide the Service’s outputs to any third party (such as including a chart or analysis from Keepbook in a report to your board or clients), you should disclose that the output was generated using an AI-assisted tool and that it may contain errors or omissions. This is particularly important if the information is used in a context where inaccuracies could cause harm. The Company is not liable for any consequences if You present AI-generated content without proper context or verification.

• No Fiduciary Duty: Your use of the Service does not create a fiduciary relationship between You and the Company. The Company is not your agent or advisor. Any financial or business decisions you make are at your own risk, and you will not hold the Company responsible for the outcomes of those decisions.

In summary, always treat the Service’s outputs as informational and preliminary. Double-check critical calculations, confirm data with source documents, and consult professionals for advice. The Service’s role is to streamline analysis and provide insights, not to make decisions for You.

13. Governing Law

These Terms, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter or formation, or your use of the Service, shall be governed by and construed in accordance with the laws of the Netherlands, without giving effect to any conflict of law principles that would result in the application of the laws of another jurisdiction.

However, the governing law specified above is subject to the following qualifications and exceptions:

• If you are a consumer in the European Union or United Kingdom, you will benefit from any mandatory provisions of the law of the country in which you are resident, and nothing in these Terms affects your rights as a consumer to rely on such mandatory provisions of local law (see Section 16.1).

• If you are a consumer in South Korea, certain Korean laws and regulations (such as the Act on the Consumer Protection in Electronic Commerce, etc., and the Framework Act on Intelligent Informatization (a.k.a. the “AI Basic Act” effective 2026)) will apply to your transactions and use of the Service, as described in Section 17. In particular, the provisions required by Korean law are deemed incorporated into these Terms for Korean users.

• We do not seek to limit the applicability of local data protection or privacy laws that might provide you with certain rights or protections. For example, if you are in the EU, we will comply with the EU General Data Protection Regulation (GDPR) regardless of the choice of Dutch law in these Terms, and Dutch law (as the Netherlands is in the EU) incorporates the GDPR in any case. If you are in a jurisdiction with non-waivable consumer data protection rights, those rights are preserved.

In summary, the law of the Netherlands governs these Terms and our relationship with You, except to the extent that you are entitled to the protection of mandatory consumer protection or other laws in your country of residence which cannot be varied by contract, in which case those laws will apply.

14. Dispute Resolution

We value our relationship with You and strive to address any concerns or disputes in a fair and efficient manner. Please contact us first if you have any issue with the Service or these Terms. You can reach us via the contact information in Section 22, and we will attempt to resolve your issue informally through our support team within a reasonable timeframe.

If a dispute arises that cannot be resolved amicably through our support team and escalations, the following terms shall apply:

14.1 Jurisdiction and Venue

Subject to the exceptions below for certain jurisdictions, You and the Company agree that any disputes or claims arising out of or relating to these Terms or the Service (including non-contractual disputes or claims) that cannot be resolved informally will be brought exclusively in the courts of Amsterdam, the Netherlands. You and the Company consent to the personal jurisdiction of such courts and waive any objections on the grounds of inconvenient forum or otherwise, to the extent permitted by law.

14.2 Arbitration Option

At our sole discretion, the Company may require You to submit any dispute, claim, or controversy arising out of or relating to these Terms or use of the Service to final and binding arbitration under the rules of the Netherlands Arbitration Institute (NAI). If the Company elects arbitration, it will do so by providing you written notice. In such a case:

• The seat of arbitration shall be Amsterdam, Netherlands. The arbitration proceedings shall be conducted in English, unless otherwise required by law or agreed.

• The arbitration will be conducted by a single arbitrator (or three arbitrators if required by the NAI rules due to the amount in dispute).

• The arbitrator(s) will have the authority to award any relief that a court of competent jurisdiction could award, except they may not award relief on a class, consolidated, or representative basis (see No Class Actions below).

• The arbitration award shall be final and binding on the parties and may be entered as a judgment in any court of competent jurisdiction.

14.3 No Class Actions

To the fullest extent permitted by law, you and the Company each agree that all claims and disputes will be resolved on an individual basis and not on a class, collective, consolidated, or representative basis. You and the Company expressly waive any ability to maintain any class action, class arbitration, or other representative proceeding. This means, for example, that you cannot serve as a class representative or member or otherwise participate in any class action or representative proceeding against the Company. Likewise, an arbitrator cannot combine more than one person’s claims into a single case, and cannot preside over any consolidated, representative, or class proceeding without the consent of all parties.

14.4 Exceptions

Notwithstanding the foregoing dispute resolution provisions:

• Intellectual Property: Either party may bring a lawsuit solely for injunctive relief to stop unauthorized use or abuse of the Service, or infringement of intellectual property rights (for example, trademark, trade secret, copyright, or patent rights) without engaging in the informal dispute resolution or arbitration process described above.

• Small Claims: If permitted by law, either party may seek relief in a small claims court for disputes or claims within the scope of that court’s jurisdiction, instead of proceeding in court or arbitration.

• Statutory Rights: If you are a consumer in a jurisdiction that provides you with the right to resolve disputes in your home forum (e.g., under EU consumer laws) or through other mechanisms (e.g., European Online Dispute Resolution platform), you retain those rights to the extent applicable and they supersede any conflicting dispute resolution provision in these Terms. For example, EU consumers have the right to bring a claim in the courts of their home country under EU law; Section 16.1 clarifies this does not get overridden by the choice of Dutch courts above.

14.5 Time Limitations

To the extent permitted by law, any claim or cause of action arising out of or related to the use of the Service or these Terms must be filed within one (1) year after such claim or cause of action arose. If a claim or cause of action is not filed within this time, it will be forever barred. (This does not apply to consumers in jurisdictions where contractual statutes of limitations are prohibited or where a longer period is mandatorily prescribed by law.)

15. Severability and Waiver

15.1 Severability

If any provision of these Terms is held by a court or tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, then that provision will be eliminated or limited to the minimum extent such that the remainder of the provision and all other provisions of these Terms will continue in full force and effect. In such an event, the parties shall negotiate in good faith a valid, legal, and enforceable provision that most closely reflects the original intent of the invalid/illegal/unenforceable provision, and incorporate that into these Terms.

15.2 No Waiver

No failure or delay by either party in exercising any right, power, or remedy under these Terms shall operate as a waiver of that right, power, or remedy, nor shall any single or partial exercise of any right, power, or remedy preclude full exercise of that or any other right, power, or remedy. Any waiver of any provision of these Terms will be effective only if in writing and signed by the party granting the waiver. For example, if the Company does not immediately take action on a violation of these Terms by You, the Company is not giving up any rights to do so later. Similarly, if you temporarily tolerate a Service issue without invoking a remedy, you have not waived your right to do so regarding future occurrences of the issue.

16. Additional Terms for European Union (EU) and United Kingdom (UK) Users

If You are accessing or using the Service from the European Union or the United Kingdom, or if You are otherwise subject to EU or UK laws as a user of the Service, the following additional terms apply. In the event of any conflict between this Section 16 and other provisions of these Terms, this Section 16 will prevail for those EU/UK users.

16.1 Consumer Rights (EU/UK): If You are a consumer (a natural person using the Service for personal, non-commercial purposes) in the EU or UK, nothing in these Terms is intended to limit or exclude your mandatory consumer rights. As noted in Section 13, You will benefit from any mandatory provisions of the law of the country in which you are resident. This means that if any provision in these Terms contradicts the consumer protection laws of your country, that provision will not apply to you, and the relevant mandatory law will govern. For example, under EU and UK law:

• Right of Withdrawal: You may have the right to withdraw from a subscription contract within 14 days from the date of your initial purchase (or the date of each automatic renewal, in some cases) without giving any reason, under the EU Consumer Rights Directive (2011/83/EU) and equivalent UK regulations. We will provide you with the necessary information and withdrawal forms (if applicable) to exercise this right in accordance with law. Notably, if you consent to immediate access to the Service (a digital service) and acknowledge that you lose the right to withdraw once the service is fully delivered, then we may commence service provision immediately and, if the service is fully performed within the withdrawal period, the right of withdrawal may be lost. If it is not fully performed, you may still withdraw but you may owe us a prorated amount for the portion of service provided until you notified us of your withdrawal. We will inform you of these details as required by law.

• Digital Content Standards: Under the UK Consumer Rights Act 2015 and EU Sale of Goods/Digital Content Directive, we are under a legal duty to supply services that are in conformity with our contract. We warrant that the digital service (the Keepbook Service) will: (i) be of satisfactory quality, (ii) be fit for the purposes for which services of the same type are normally used, (iii) match any description we provided, and (iv) possess the qualities and performance features that we have made public (for example, as stated on our website or in these Terms). In case of lack of conformity (for example, the Service not performing as advertised or as required by law), you have legal rights, including the right to have the issue brought into conformity (if possible) or, if not possible or not done within a reasonable time, the right to an appropriate reduction in price or to terminate the contract and receive a refund for the period of non-conformity. Additionally, no provision of these Terms will operate to exclude or limit the implied terms as to quality, fitness, or description that are implied into contracts with consumers by the UK Consumer Rights Act or applicable EU/national legislation, to the extent those implied terms apply to digital services like Keepbook.

• Liability Not Limited: As stated in Section 10, we do not exclude or limit liability for death or personal injury caused by our negligence or for our fraud. Additionally, for UK consumers, we do not exclude or limit liability for breach of your statutory rights regarding the service (as set out in the UK Consumer Rights Act 2015, sections 34-36, 37-45, etc.) except to the extent permissible by that Act. Any limitation of liability set forth in these Terms is subject to this clarification. For example, the cap on liability in Section 10 does not apply to any refund or compensation you are entitled to by law for our failure to supply the service with reasonable care and skill or for a breach of your statutory rights that cannot be disclaimed.

16.2 Online Dispute Resolution

If you are an EU consumer, you have the right to seek resolution of disputes through the EU’s Online Dispute Resolution (ODR) platform (accessible at http://ec.europa.eu/consumers/odr). However, please note that while we will consider complaints submitted via the ODR platform, we do not currently commit to using a specific alternative dispute resolution entity unless required by law.

16.3 Data Protection

The Company is compliant with applicable EU and UK data protection laws regarding the processing of personal data. Our Privacy Policy provides detailed information on what data we collect and how we use it, and includes information about cross-border data transfers out of the EU/UK (for which we use measures such as Standard Contractual Clauses). If You have any questions about how we handle personal data or wish to exercise any data subject rights under GDPR or UK GDPR (such as access, correction, deletion, or objection rights), please refer to our Privacy Policy or contact our Data Protection Officer (see Section 22).

16.4 AI and Automated Decision-Making

We hereby inform EU/UK users that to the extent the Service involves automated decision-making (as defined under GDPR/UK GDPR Article 22) that produces legal or similarly significant effects, You have rights not to be subject solely to such decisions, and to obtain human review. Generally, Keepbook’s outputs do not constitute decisions by the Company, but rather tools for you to make decisions; however, if you believe the Service is functioning in a way that falls under Article 22, please contact us. We also implement measures in line with emerging EU/UK AI regulations and guidance (such as the EU AI Act and UK AI governance principles) to ensure transparency, non-discrimination, and oversight in our AI systems, especially if classified as “high-risk.” We will provide appropriate information about our AI’s logic and limitations to the extent required by law. See also Section 12 (No Professional Advice; AI Decision-Making) for disclosures about AI outputs.

16.5 Jurisdiction

As noted in Section 14, if you are a consumer in the EU or UK, you may choose to bring any legal claim against us in the courts of your country of habitual residence. Likewise, if you are an EU/UK consumer, you may benefit from any more favorable consumer protection provisions in the law of your country of residence.

17. Additional Terms for South Korean Users

If You are using the Service in the Republic of Korea (South Korea) or are otherwise subject to South Korean laws as a user of the Service, the following provisions apply. In the event of any conflict between this Section 17 and other sections of these Terms, this Section 17 will prevail for South Korean users.

17.1 Company and Contact Information

In accordance with the Korean Act on the Consumer Protection in Electronic Commerce, etc., we provide the following information about the Company:

• Company Name: Keepbook AI B.V.

• Representative: Jongkyu Yoon

• Address: Gerard Doustraat 228, 1017 XC Amsterdam, Netherlands

• Company Name: 주식회사 킵트레이드

• Representative (대표자): 윤종규

• Address: 울산광역시 북구 진장유통로 16, 1동 3층 3038호

• Phone: +82 10 5787 9475

• Email: [email protected]

(The above address is our global headquarters. We do not have a separate domestic place of business in Korea at this time. However, we will designate a local representative in Korea if required under law and will update our Terms or Privacy Policy accordingly.)

• Business Registration Number:
  NL KvK number: 94656215
  KR 사업자 등록번호: 742-88-03434

17.2 Subscription Cancellation and Refund Rights

Under the Korean Act on Consumer Protection in Electronic Commerce, etc., you may have the right to cancel your subscription (withdraw your offer to purchase the Service) within seven (7) days from the date of entering into the subscription contract (or from the date you receive confirmation of the contract, whichever is later) without any penalty or reason. We will honor this right in accordance with Korean law. However, please note the following exceptions and conditions as provided by law:

• If the Service provides digital content that is not provided on a tangible medium (i.e., online services) and if such service has started with your prior consent before the 7-day cancellation period ends and you acknowledged that you lose your right of withdrawal by starting the service early, then you may not be able to cancel and get a refund once the service has been fully provided. For example, if you purchase a subscription and actively use the Service (consuming significant query credits or downloading reports, etc.) within the first 7 days, to a degree that the value of the Service is materially consumed or difficult to return, then your right to cancel may be limited. We will seek your explicit consent if we provide any service within the 7-day period that would trigger this exception (as required by law).

• If there is a defect or issue with the Service that is our responsibility (e.g., the service was not provided as advertised or is significantly malfunctioning), you can cancel the service within three (3) months from the date of subscription, or thirty (30) days from the date you discovered or should have discovered the issue, whichever is longer. In such cases, we will provide a full refund.

• To exercise your cancellation right, you must inform us of your decision to cancel by a clear statement (e.g., by email to [email protected] or via our support channels). You may use the model withdrawal form provided under Korean law, but it is not mandatory. Providing your account information and a statement that you wish to cancel within the applicable period is generally sufficient.

• When you cancel during the permitted period, we will refund all payments received from you for the subscription (or if partially used, we will calculate the used portion’s value as per law and refund the remainder) within 3 business days from the date we receive your cancellation notice. The refund will be processed through the same payment method you used, unless otherwise agreed. If there is a delay in refund due to your responsibility (e.g., you provided incorrect account information), the refund may take longer and we will not be responsible for the delay beyond our control.

• If you have received any benefits from the Service during the period before cancellation (for example, you used some query credits or downloaded a report), we may deduct the value of the service provided from the refund, as permitted by law. We will inform you of any such deductions. Aside from such deductions, cancellation within the legal period will not incur any penalty or fee.

17.3 Dispute Resolution and Governing Law

Notwithstanding any agreement to arbitration or choice of law in Section 13 or 14 above, Korean consumers have the right to resolve disputes in Korea under Korean law. You may bring any dispute arising out of or in connection with the Service or these Terms to the Korea Consumer Agency or other authorized dispute resolution bodies in Korea. We will participate in good faith in any dispute mediation or resolution procedures that are available to consumers under Korean law. If any litigation arises between You (as a consumer) and the Company, such litigation may be submitted to the competent courts of South Korea, and in such case, these Terms and the contract between You and the Company shall be governed by the laws of the Republic of Korea.

Additionally, nothing in these Terms precludes you from reporting issues to or seeking guidance from governmental authorities like the Korea Fair Trade Commission (공정거래위원회) or the Personal Information Protection Commission (개인정보보호위원회) as applicable.

17.4 Privacy and Data Transfers

As a South Korean user, you acknowledge that the Service is provided from outside Korea (the Company is based in the Netherlands and uses global cloud providers). We will obtain your consent for any cross-border transfer of personal information as required by Korean Personal Information Protection Act (PIPA) and other regulations. Our Privacy Policy details how we protect your data, the purposes of use, retention periods, etc., in accordance with Korean privacy law. We appoint a Korean privacy representative if required (this information would be disclosed in the Privacy Policy or separately to users as required by law).

17.5 Compliance with AI Regulations

South Korea’s AI Ethics and future AI regulatory framework (such as the forthcoming AI Basic Act effective Jan 2026) emphasize transparency, safety, and accountability in AI services. We are committed to complying with these principles. Specifically, if the Service is classified as a “high-impact AI system” under Korean law, we will:

• Implement risk assessments and safety measures as required.

• Provide clear explanations about the criteria, logic, and limitations of AI outputs to the extent required by law and feasible given the technology (recognizing that complex models like large language models have inherent limits in explainability).

• Designate a domestic representative in Korea for AI-related compliance and user liaison, if required by law, and will provide their contact information once designated.

• Obtain any necessary registrations or certifications if South Korean law mandates such steps for AI service providers.

South Korean users will be notified of any significant changes to the Service or these Terms that affect your rights, in Korean language if required by law, and we will ensure that the Korean version of Terms (if provided) complies with the Regulation of Standardized Contracts Act (표준약관법). In case of any inconsistency between an English version and a Korean version of these Terms provided to South Korean consumers, interpretation will follow Article 5 of the Regulation of Standardized Contracts Act: ambiguities will be resolved in favor of the consumer.

18. U.S. Federal and State Law Notices

18.1 Export Compliance: The Service and its software may be subject to United States export control and economic sanctions laws. You represent and warrant that (i) You are not located in, under the control of, or a national or resident of any country or region that is subject to a U.S. government embargo or designated by the U.S. government as a “state sponsor of terrorism” (including, as of the Last Updated date of these Terms, Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine), and (ii) You are not on any U.S. government list of prohibited or restricted parties (such as the Treasury Department’s Specially Designated Nationals List or the Department of Commerce’s Denied Persons List, Entity List, or Unverified List). You also agree that You will not use the Service for any purposes prohibited by U.S. law, including, without limitation, the development, design, manufacture, or production of nuclear, chemical, or biological weapons, missile technology, or other military end-uses or end-users in violation of U.S. export laws. If You access or use the Service from outside the United States, you are also responsible for compliance with local laws regarding import/export, encryption, and usage of the Service. Diversion of the Service contrary to U.S. or other applicable law is prohibited.

18.2 U.S. State Laws – Consumer Rights

Depending on the state in which you reside, you may have additional rights under state law, particularly if you are a consumer. For example:

• California Residents: If the Service were to be considered as offering financial advice or services (which it is not; it’s a tool), California law might require specific disclosures. In any event, as a California user, you are entitled to specific consumer rights information. Under California Civil Code Section 1789.3, California users of the Service are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 N. Market Blvd., Suite N-112, Sacramento, CA 95834 or by telephone at (800) 952-5210. Also, please note we do not share personal data with third parties for their direct marketing purposes unless you consent (per California “Shine the Light” law). Our Privacy Policy covers how we handle personal data including rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) for California residents, such as the right to know, delete, or opt-out of the sale/sharing of personal information and the right to opt-out of automated decision-making technology under upcoming regulations.

• New York Residents: The New York General Business Law provides certain protections for consumers in relation to electronic service contracts. No specific unusual terms in our contract are contrary to New York law, but if you are a New York resident, the limitations of liability and warranty disclaimers in these Terms will not limit your right to a refund from us if we fail to deliver the services paid for, and will not limit any statutory damages or penalties to which you are entitled under New York law.

• Other States: Many states have unfair and deceptive acts and practices (UDAP) statutes or specific digital product statutes that ensure you cannot waive certain implied warranties or rights via a standard form contract. We intend no provision of these Terms to violate such laws; hence, any provision that does will be deemed modified or severed to comply with applicable law (per Section 15.1, Severability). We also note that some states (e.g., New Jersey) may not allow limitations on implied warranties or certain damages in consumer contracts, so the disclaimers and limitations in these Terms apply to the extent permitted by your state’s law.
  
  

18.3 U.S. Federal Regulation – Financial Disclaimers

While Keepbook is a financial planning and analysis tool, it is not registered or regulated as an investment advisor, broker-dealer, or credit rating agency, and it does not offer or sell securities or credit offers. Any financial projections or analyses provided by the Service are not endorsements or recommendations of any securities or financial instruments, and are not filings or advice under U.S. securities law or financial regulations. By using the Service, you acknowledge that the Company is not subject to oversight by the U.S. SEC, FINRA, CFPB, or other financial regulatory bodies as a provider of regulated financial advice or services, and that you will not rely on the Service in any manner that would require such registration or oversight.

19. Translation of Terms

The Company may provide translations of these Terms or supplemental terms in other languages for your convenience or to comply with local law. In particular, we may provide an official Korean version of these Terms for users in South Korea, and other languages as needed. In the event of any conflict or ambiguity between the English version of these Terms and a translated version, the English version will control and be deemed the authoritative version, to the fullest extent permitted by applicable law.

However, if you are a consumer in a jurisdiction where the law requires that contracts be provided in the local language (for example, Korean) or that the local language version shall prevail (for instance, Quebec’s consumer protection law for French, or specific provisions of Korean law for standard form contracts), then the translated version will prevail to the extent of the difference. For example, South Korean consumers are afforded the interpretation in their favor for ambiguous terms (as noted in Section 17) and if a Korean version of these Terms is provided, it will be tailored to comply with Korean law. Otherwise, we encourage You to refer to the English version for the most accurate and authoritative information on your relationship with the Company.

20. Changes to These Terms

The Company reserves the right to modify or update these Terms at any time, in its sole discretion. If we make material changes to these Terms, we will provide you with clear and appropriate notice regarding the changes. We may notify you by email (sent to the email address associated with your account), by posting a notice on our Website or within the Service, or by other reasonable means. The notice will include a summary of the material changes, and we will update the “Last Updated” date at the top of these Terms.

Unless a shorter period is required to comply with law or address an urgent situation, we will provide at least 30 days’ notice before new material terms take effect. During this notice period, you may have the right to reject the changes by terminating your account or subscription (without additional charge or early termination penalty) if the changes materially adversely affect you. If you continue to use the Service after the new Terms become effective, you will be deemed to have accepted the updated Terms. If you do not agree to the revised Terms, you must stop using the Service and (if applicable) cancel your subscription before the effective date of the changes to avoid being bound by them.

For non-material updates (such as clarifications, corrections, or improvements that do not negatively impact your rights), we may not provide advance notice, and the updated Terms will be effective when posted. We encourage you to review these Terms periodically (at least whenever notified of changes) to stay informed about the terms and conditions that apply to your use of the Service.

21. Miscellaneous

21.1 Entire Agreement

These Terms, together with any documents expressly incorporated by reference (including our Privacy Policy and any additional service-specific terms or Promotion terms that apply to you), constitute the entire agreement between You and the Company concerning the Service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Service. Any inconsistent or additional terms contained in any purchase order, confirmation, or other document issued by You are rejected and shall be null and void, unless expressly agreed to in writing by an authorized representative of the Company.

21.2 Relationship of Parties

The relationship between You and the Company is that of independent contractors. Nothing in these Terms shall be construed to create a partnership, joint venture, franchise, or agency relationship between You and the Company. Neither party has the authority to bind the other or incur obligations on the other’s behalf without prior written consent.

21.3 Assignment

You may not assign or transfer these Terms (in whole or in part), nor delegate any of your obligations under the Terms, to any other person or entity without the prior written consent of the Company. Any attempt by You to assign, transfer, or delegate without such consent will be null and void. The Company may freely assign or transfer these Terms (in whole or in part), or delegate its obligations, to any third party, including in connection with any merger, acquisition, reorganization, or sale of assets, or by operation of law or otherwise. These Terms will bind and insure to the benefit of the parties and their respective permitted successors and assigns.

21.4 No Third-Party Beneficiaries

These Terms are intended for the sole and exclusive benefit of the signatories and are not intended to benefit any third party. No third party may claim any rights under these Terms (except that Affiliates of the Company are considered intended beneficiaries of the protections and rights afforded to the Company hereunder, and Indemnified Parties under Section 8 may enforce indemnification rights).

21.5 Force Majeure

Neither the Company nor You will be liable for any failure or delay in performance under these Terms (except for payment obligations) to the extent such failure or delay is due to circumstances beyond the party’s reasonable control, such as acts of God, natural disasters, epidemics or pandemics, government actions, war, terrorism, civil disturbances, labor shortages or strikes, fires, floods, accidents, network or internet outages, power failures, or interruptions of third-party services (including the AI providers or cloud infrastructure discussed in Section 3.3) (“Force Majeure”). The party affected by a Force Majeure event shall be excused from performance (and not in breach) for the duration of the event, provided that it uses reasonable efforts to mitigate the impact and resume performance as soon as practicable. If a Force Majeure event continues for an extended period (e.g., over 30 days), either party may have the right to terminate the affected Service (and You would be entitled to a pro-rata refund for any pre-paid fees for the unused portion, in the event of such termination due to Force Majeure).

21.6 Notices

The Company may provide notices to You under these Terms by email to the address associated with your account, by regular mail, or via postings within the Service (for general service-related announcements). It is your responsibility to keep your account email address up-to-date and to review any notices posted on the Service. You will be deemed to have received a notice, (i) in the case of email, when the email is sent (not when/if you actually read it), and (ii) in the case of postal mail, five business days after such notice is mailed, and (iii) in the case of posting on our Website or Service, upon your next use of the Service or 24 hours after the posting, whichever is sooner. If you have any questions about these Terms or need to provide legal notice to us, you may do so by contacting us at the address or email provided in Section 22. However, for legal notices from You to the Company, you must send such notices via email to [email protected] AND via certified mail or internationally recognized courier to our mailing address provided below, unless we provide a more specific method in an updated version of these Terms or via written communication to you.

21.7 Survival

All provisions of these Terms which by their nature should survive termination shall survive any termination or expiration of these Terms or termination of your use of the Service. This includes, without limitation, accrued rights to payment, confidentiality obligations, warranty disclaimers, and limitations of liability, indemnification, and the jurisdiction and dispute resolution provisions.

21.8 Headings and Interpretation

Section headings in these Terms are for convenience only and have no legal or contractual effect. Words like “including” and “for example” are to be construed without limitation. The singular includes the plural and vice versa, and references to one gender include all genders. These Terms shall not be construed against the party that drafted them; both parties had the opportunity to review and negotiate these Terms.

21.9 Severability (Restated)

We reiterate, if any part of these Terms is held invalid or unenforceable, the rest remains in effect (see Section 15.1).

22. Contact Us

If You have any questions, concerns, or feedback about these Terms and Conditions, or if you need to contact us for any reason relating to the Service, you can reach us through one of the following methods:

• Website Contact Form: Visit our official contact page at https://www.keepbook.ai/contact and submit your inquiry through the form provided. We typically respond within 2 business days.

• Email: You can email us at [email protected] for general inquiries or for technical support. For legal matters or questions about these Terms specifically, you may contact to the email.

• Mail: You can send written correspondence to:

  Keepbook AI B.V.
  Gerard Doustraat 228,
  1017 XC Amsterdam,
  Netherlands.
  Attn: Legal/Support Team

We will do our best to respond to all legitimate inquiries in a timely manner. Your feedback and questions are important to us and help us improve our Service.

By using or accessing the Service, You acknowledge that You have read, understood, and agree to be bound by these Terms and Conditions. If You do not agree, you should discontinue use of the Service and contact us to terminate any account or subscription. Thank you for choosing Keepbook!