Terms and Conditions of Use

Eligibility ^2.0

2.1 The App is intended for use by individuals who are 18 years of age or older. If you are under the age of 18, you are not eligible to use the App.

Acceptance of Terms ^3.0

3.1 By accessing and using the App, you confirm that you have legal capacity to form a binding contract with Rise Vest Technologies Global Limited, a company duly incorporated in the Cayman Islands and, where applicable, its authorized local subsidiaries, operating entities or affiliates in different jurisdictions as outlined in clause 14 (collectively, “RISE”, “we,” “us,” or “our”) and that you accept these terms and agree to be bound by them.

3.2 You may opt in to receive promotional messages at the point of creating your HISA account or at any point while accessing the app through various modes including email, phone calls and SMS. By agreeing to receive promotional and marketing materials, you agree to processing of your personal information as detailed in our privacy statement. Notwithstanding and without prejudice to the foregoing, RISE shall be entitled to display promotional and advertising materials on the App and through push notifications and pop up messages on your mobile device or handheld device.

3.3 You hereby fully understand that your use or access of our App will constitute acceptance of the Terms.

3.4 We recommend that you print a copy of these Terms for your future reference.

Changes to the Terms ^4.0

4.1 We may update our Terms from time to time. We reserve the right to make changes to these Terms at any time. Once any changes are made, these changes will be posted on the app and website and, where appropriate, notified to you by SMS or by email or when you next start the App or log onto one of the App sites- as far as technically and legally feasible. The new Terms may be displayed on-screen and you may be required to read and accept the changes to continue your use of the App.

4.2 The Terms become effective on the Effective Date. Your continued access or use of the App after the new date of the new Terms constitutes your acceptance of the new Terms. If you do not agree to the new Terms, you must stop accessing or otherwise using the App.

Accessing the App ^5.0

5.1 The App is available to users who use Android and Apple iOS devices.

5.2 To access the App, you will be required to download it by going to the Google PlayStore or Apple Appstore and searching for “HISA” and install and launch the App on a compatible device.

5.3 You will be required to create an account with us to access the App. Your information provided must be accurate and up to date; failure of which we shall have the right to discontinue your access to the App without any further notices or references to you.

5.4 You will generate a password that will allow you access to the App, which should remain confidential and should not be disclosed to any party. In the instance of any breach, you must notify us immediately at info@hisa.co.

5.5 You agree that all activity on your account (whether accessed by you or otherwise with your login credentials) shall be your sole responsibility and you shall keep us (and other parties) indemnified for any claims and liabilities that may arise from such activity.

Trading ^6.0

6.1 Your account will give you access to trade in shares available on the App. While the App is intended to provide a safe and secure platform for trading, we do not warrant the accuracy, completeness, or timeliness of any information provided on the App. We shall not be liable for any losses that you may incur from your reliance on the information obtained through the App or from your trading activities. You are solely responsible for conducting your own research and obtaining professional advice before making informed investment decisions.

6.2 You acknowledge that it may not be possible to cancel/modify an order and that you are responsible for executions notwithstanding a cancel/modify request.

6.3 RISE shall execute customer orders through one of its broker-dealers or financial partners unless otherwise confirmed. All transactions are subject to rules and policies of relevant markets and clearinghouses, and applicable laws and regulations. RISE IS NOT LIABLE FOR ANY ACTION OR DECISION OF ANY EXCHANGE, MARKET, DEALER, CLEARINGHOUSE OR REGULATOR.

6.4 Any quotes, research, news, market information accessible through the App (including through links and websites) (“information”) may be prepared by Independent Providers. Such information is the property of RISE, the Providers or their licensors and is protected by law. You agree to respect the subsisting intellectual property. None of the information constitutes a recommendation by RISE or a solicitation to buy and sell. Neither RISE or the Providers guarantee completeness, accuracy or timeliness of the information and you should consult an adviser before making investment decisions. RELIANCE ON SUCH INFORMATION IS SOLELY AT YOUR OWN RISK, IN NO EVENT WILL RISE OR THE PROVIDERS BE LIABLE FOR CONSEQUENTIAL, INCIDENTAL, SPECIAL OR INDIRECT DAMAGES ARISING FROM THE USE OF THE INFORMATION. THERE IS NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED REGARDING THE INFORMATION.

Fees ^7.0

7.1 Commissions, fees, and other applicable charges may apply when using the App. The applicable fees will clearly be stated in the App and on our website, and you will have the opportunity to review and accept the fees before completing any transaction. By proceeding with a transaction, you authorize us to deduct such fees directly from your account, which will accordingly reduce account equity.

7.2 Changes to commissions/fees are effective immediately upon either posting on the App, website or other written notice to you.

7.3 You are solely responsible for understanding the terms, features, risks, and obligations associated with any securities, investments, or other products held in your account. Before engaging in any transaction, you should carefully review all relevant documentation and, where necessary, seek independent professional advice.

Intellectual Property Rights ^8.0

8.1 We take the protection of intellectual property rights seriously and expect you to do the same. As a condition of your access to and use of the App (including any chat or communication features), you agree to respect and not infringe the intellectual property rights of any individual, entity, or third party. Any unauthorized use, reproduction, distribution, or modification of content accessible through the App is strictly prohibited and may result in the suspension or termination of your account, as well as legal action where applicable.

8.2 The App and its contents including but not limited to text, graphics, logos, images and software are protected by intellectual property laws, including copyright and trademark laws. You may not use any of our intellectual property without prior consent.

Your Use of the App ^9.0

9.1 By accepting these Terms, you agree not to use the App:

1. In any way that breaches any applicable local, national or international law or regulation.
2. In any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect.
3. For the purpose of harming or attempting to harm minors in any way.
4. To bully, insult, intimidate or humiliate any person.
5. To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards.
6. To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
7. To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

9.2 You also agree:

1. Not to reproduce, duplicate, copy or re-sell any part of our App and Content therein in contravention of the provisions of our Terms
2. Not to access without authority, interfere with, damage or disrupt:
   1. any part of our App;
   2. any equipment or network on which our App is stored;
   3. any software used in the provision of our App; or
   4. any equipment or network or software owned or used by any third party.

Miscelleneous ^10.0

10.1 This Agreement shall be governed by, and construed in accordance with, the laws of the jurisdiction of the operating entity specified in Clause 14 for your location, and the parties irrevocably submit to the courts of the applicable jurisdiction for dispute resolution.

10.2 If any provision of this Agreement is held by a court of competent jurisdiction to be invalid under any applicable statute or rule of law, it shall to that extent be deemed omitted and the remaining provisions of this agreement shall remain in full force and effect.

10.3 THE APP IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY FOR INFORMATION, SERVICES, UNINTERRUPTED ACCESS, OR PRODUCTS PROVIDE THROUGH OR IN CONNECTION WITH THE APP, INCLUDING WITHOUT LIMITATION THE SOFTWARE LICENSED TO YOU AND THE RESULTS OBTAINED THROUGH THE APP, SPECIFICALLY, WE DISCLAIM ANY AND ALL WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS OR CONTENT OF INFORMATION, AND ANY WARRANTIES OF TITLE, WARRANTY OF NON- INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

10.4 You agree to fully hold us harmless and fully indemnify us (and our affiliates, permitted assigns, subsidiaries) and each of their officers, employees, agents and advisors from and against any damages, costs and expenses suffered or incurred by your breach of these Terms or awarded by a court of competent jurisdiction against us as a direct result of or in connection with any claim or action. Nothing in this clause shall exclude or limit our liability for losses which may not be lawfully excluded under applicable law.

10.5 RISE may assign or transfer any benefit of this agreement to any other party via notice. Failure to notify you shall not invalidate such assignment.

Currency Conversion ^11.0

11.1 By using the App, you acknowledge and agree that any conversion of your local currency to United States Dollars, or any other currency conversion, shall be effected at the market exchange rate as determined by HISA from time to time. You further acknowledge and accept that it is your sole responsibility to ascertain and verify the applicable exchange rate prior to initiating any transaction to fund your HISA Wallet. If you do not agree to the foregoing terms, you must refrain from funding your HISA wallet.

Partner Brokers ^12.0

12.1 The Services are provided through licensed brokers operating within the relevant jurisdictions. By accepting these Terms of Use, you are deemed to have expressly accepted and agreed to be bound by the applicable Terms and Conditions of our partner brokers, as the same may apply to you. A list of such partner brokers, together with hyperlinks to their respective Terms of Use, is set out below for your review and reference.