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DATA & RISK DISCLOSURE

Technology and Operational Risks
The Platform relies on technology and third-party services. These services may fail, degrade, or be interrupted.

Market Data — Informational Nature
Market Data is provided for informational and testing ONLY. Data may be delayed, indicative, or inaccurate.

Restrictions & Prohibited Use
You must not redistribute, publish, sublicense, or make Market Data available to any person.

Risk of Loss
Trading in financial markets involves substantial risk of loss. Past performance is not indicative of future results.

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MERQUAN TERMINAL ALLOCATION

Zero-Sharing & Encryption Commitment

MERQUAN CORPORATION operates on a strict zero-sharing policy. We guarantee that no user data will ever be disclosed, sold, or distributed to any third party. To ensure maximum security, all data remains in an encrypted state throughout its entire lifecycle, both in transit and at rest.

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Join the allocation list for the MERQUAN touchscreen terminal package. This is not account access; it is a reservation register for hardware preference and launch contact.

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MERQUAN CORPORATION

Privacy Policy

We promise to protect your privacy.

We’re committed to supporting your privacy rights.

Control your personal data. You have the right to see the data we have collected, take it with you, make corrections, withdraw consent for future uses, opt out of sales and sharing, or erase your data all together at any time.

Expect non-discrimination. You have the right to non-discriminatory treatment, regardless of whether you allow us to process your data.

Protect your privacy—and your choices. If you feel we’ve failed in any way, you have the right to lodge a complaint with a data protection authority in your region.

When we use the term “MERQUAN” we’re referring collectively to MERQUAN Corp. in the United States and to our subsidiaries and affiliates globally.

If you have an MERQUAN account or have signed up for our content with your email address, you may visit the MERQUAN Privacy Center to exercise your privacy rights. Otherwise, you can contact us directly at privacy@MERQUAN.com. We use your MERQUAN account or your registered email address to verify your identity.

Visiting Our Website and Interacting With Our Online Content

We collect your information when you search for information, order products, request to download content, register for events or demos, or give us feedback. This helps us deliver what you ask for, communicate with you, and better understand what your interests are. It also enables us to improve our web experiences, products and services, and find others who may be interested in them.

Creating an MERQUAN Account

We collect your information when you create an account with us or our other products, or other programs to service your account, communicate with you, and comply with regional laws.

Using MERQUAN Products

We collect your information when you use MERQUAN software, Merquan Hardware, and enterprise software for our cloud, data center, networking, and embedded systems products. This helps us optimize your experience, improve our products and services, and better communicate with you.

For Lead Generation and Identity Enrichment

We collect your information from publicly or commercially available sources such as attendance at events we sponsor, searches on the public internet, and data enrichment services. This helps us communicate with you more effectively and find others who are interested in our products and services.

For MerAi Artificial Intelligence (AI) Research and Development

AV and AI technologies require access to large volumes of high-quality data to learn how to perceive, classify, and navigate among people, objects, and scenes. We collect public images and other data through sensors on MERQUAN or partner-identified vehicles and in clearly disclosed public spaces–as well as datasets collected by others–to improve the safety and reliability of our AV and AI models. This data is never cross-referenced with personal data from any other product or service and if anonymized, MERQUAN will maintain and use information in anonymized form and will not attempt to re-identify it unless permitted by law.

MERQUAN does not use, sell, or share “sensitive personal information” as defined by California law. However, our sharing of non-sensitive data with advertising providers may qualify as the sale of personal data or the sharing of personal data for purposes of targeted advertising.

From time to time, we may launch certain products or features (e.g., demos or beta technologies) that involve collection of personal data that falls outside the scope of this privacy policy. In those instances, we will provide you with additional privacy-related information and disclosures at the time of collection. The additional privacy disclosures will supplement this Privacy Policy and govern how we may process the personal data collected at that time.

Sharing Hashed Data for Interest-based Advertising on Third-party Platforms

If you’ve consented to receive marketing communications or recommendations, we share hashed details about your identity with third-party ad providers such as Google to serve interest-based ads to you and others. These hashed details may include your name, email, phone number, job title, organizational business affiliations, zip code, country, and social media handles.

Your information is shared in hashed form only, which means that your details are irreversibly converted to a fixed-size string of characters such as “0890f456684a70f1a9f1dbcee40c1fe847b76f338581a9a1d9202c76b1c175f4” (which is the SHA-256 hash of “MERQUAN”). Sharing information in hashed form means that third-party ad providers can only identify you if they already have the information we have shared and have hashed it themselves to match the hashed version we are sharing. Sharing information in hashed form is a way of identifying information that both parties have without sharing the information itself.

You can opt out of data sharing for interest-based advertising at any time by visiting our Privacy Center or by enabling an opt-out preference signal.

How to Set Up and Use an Opt-Out Preference Signal

MERQUAN websites detect and respond to Global Privacy Control signals by disabling all Performance, Personalization, and Advertising cookies. We also automatically adjust your preferences in our Privacy Center when we are able to connect the Global Privacy Control signal to your account or email. To enable this signal, download and use a browser or browser extension that supports the Global Privacy Control.

Data on MERQUAN Websites

If you visit any of our MERQUAN websites, we or our third-party partners collect information using cookies, web beacons, or log file information. Please see our Cookie Policy for more details.

Children’s Privacy Policy

We take special care to protect the privacy of children, and our products and services are not targeted for use by children under the age of 13. We only collect data from children who are above the age of digital consent in their jurisdiction (e.g., at least 13 for the United States), or if we have express parental consent (e.g., for attendance at one of our conferences).

We share some personal data of account holders under the age of 18 if sharing personal data is required for service functionality. For example, if an account holder under the age of 18 is using MERQUAN services via one of our GeForce NOW Alliance partners, we share the account holder’s operating system version, network type, games played, session time, ratings and feedback, error data, and a masked version of the account holder’s IP address with that GeForce NOW Alliance Partner to enable service functionality.

NO PERSON UNDER THE AGE OF 18 is permitted to engage in any activity or plan, we share the account holder’s IP address, country, platform, and title for purposes of fraud prevention and ad frequency capping. We also share this information as well as age range for purposes of interest-based advertising if the account holder is 16 or older. Account holders below the age of 18 are opted out of interest-based advertising by default, and all account holders may opt out of interest-based advertising by visiting our Privacy Center.

We employ reasonable technological safeguards to comply with local laws, and to prevent underage children from accessing areas of our services where personal information may be collected. For example, underage children are not allowed to participate in our user-to-user forums, subscribe to an email newsletter, or enter any of our sweepstakes or contests.

Please contact us if you become aware that your child has provided us with personal data without your consent.

Cross-Border Data Transfer

MERQUAN is located in California, and in most cases we need to securely transfer and store your information in the United States. Transfers of personal data to the United States, and to or from MERQUAN, are made subject to the Standard Contractual Clauses which have been pre-approved by the European Commission and ensure appropriate data protection safeguards. In addition, MERQUAN complies with the EU-U.S., Swiss-U.S., and UK Extension to the EU-U.S. Data Privacy Framework Principles and we are subject to enforcement by the U.S. Federal Trade Commission. This means we adhere to the Data Privacy Framework Principles of notice, choice, and accountability for onward transfer, security, data integrity, purpose limitation, access, recourse, enforcement, and liability. We are the data controller, and we remain responsible for any of your personal information that is shared with third parties for processing on our behalf.

MERQUAN has committed to cooperating with the panel established by the EU data protection authorities (DPAs) the Swiss Federal Data Protection and Information Commissioner (FDPIC), and the UK Information Commissioner’s Office (ICO) with regard to unresolved Data Privacy Framework complaints concerning data transferred from the EU Switzerland, and the UK. Under certain conditions, you may invoke binding arbitration to resolve any complaint. We are subject to U.S. law, and we may be required to share data with U.S. law enforcement agencies. To learn more about the Data Privacy Framework, please visit https://www.dataprivacyframework.gov/. For more information regarding our Data Privacy Framework certification, please visit: https://www.dataprivacyframework.gov/list

Data Retention

We retain your personal data for as long as our engagement with you continues (e.g., emails, website visits, logins, or event attendance). We erase customer and enterprise personal data if there has been no engagement with you for more than five years.

We retain data collected from public spaces for as long as it continues to support our AV and AI projects. If you are a member of the public and wish to exercise any of your privacy rights, please contact us directly at privacy@MERQUAN.com.

You may also exercise your right to erasure at any time. If you have an MERQUAN account or have signed up for our content with your email address, you may visit the MERQUAN Privacy Center to exercise your privacy rights. Otherwise contact us directly at privacy @MERQUAN.com.

Contact Us

legal@merquan.com

MERQUAN CORPORATION

Terms and Conditions

Last Updated: June 04, 2026

1. AGREEMENT TO TERMS

These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and MERQUAN CORPORATION ("Company," "we," "us," or "our"), concerning your access to and use of the merquan.com website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the "Site"). The Site includes any associated software, tools, data feeds, application programming interfaces (APIs), and services provided by the Company (collectively, the "Service"). You agree that by accessing the Site, you have read, understood, and agreed to be bound by all of these Terms and Conditions. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS AND CONDITIONS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on your acceptance of and compliance with our Privacy Policy. Our Privacy Policy describes our policies and procedures on the collection, use, and disclosure of your personal information when you use the Site and tells you about your privacy rights and how the law protects you. Please read our Privacy Policy carefully before using the Service.

1A. DEFINITIONS

For the purposes of these Terms and Conditions:

"Affiliate" means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.

"Device" means any device that can access the Service, such as a computer, cellphone, or digital tablet.

"Third-Party Social Media Service" means any services or content (including data, information, products, or services) provided by a third party that may be displayed, included, or made available by the Service, including but not limited to Discord, X (Twitter), YouTube, or other platforms integrated with or linked from the Site.

2. INVESTMENT AND FINANCIAL RISK DISCLAIMER

All content and services provided by Merquan Corporation on the Site are for informational and educational purposes only. Nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security, investment, or strategy. Merquan Corporation is not a registered securities broker-dealer or an investment adviser with the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), or any state securities regulatory authority. We are not licensed or qualified to provide investment, legal, or tax advice. You are solely responsible for determining whether any investment, investment strategy, security, or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. You should consult your legal, tax, or financial professional regarding your specific situation. Trading and investing in securities involves substantial risk of loss and is not suitable for every investor.

Past performance of any options analytics, indicators, or data presented on the Site is not indicative of future results, and there can be no assurance that any strategy or tool will achieve comparable results or that any investment will be profitable. All forward-looking statements are based upon assumptions that may not prove to be correct. The Company is under no obligation to update or alter any forward-looking statements, whether as a result of new information, future events, or otherwise.

3. INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by United States and foreign copyright, trademark, and other applicable laws. The Content and the Marks are provided on the Site "AS IS" for your information and personal use only. Except as expressly provided in these Terms and Conditions, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

All trademarks, trade names, and logos displayed on the Site are proprietary to the Company, its Affiliates, or their respective owners, and the Site grants no license to them. MERQUAN and any associated logos are among our trademarks in the United States and/or other countries.

Certain data, analytics, and information available through the Service may be derived from or based upon information provided by securities exchanges, market data processors, and other third-party information providers (collectively, "Market Data Sources"). Neither the Company nor any Market Data Source has waived any proprietary interest in such information by making it available through the Service.

4. USER REGISTRATION AND OBLIGATIONS

You may be required to register with the Site. You agree to keep your password confidential and will be responsible for all use of your account and password. You agree that all information you provide during registration and at all other times will be true, accurate, current, and complete. You are solely responsible for any and all activity on your account. By subscribing to our service, you acknowledge that you qualify as a "Non-Professional" subscriber. A "Professional" subscriber, who may be required to pay for additional exchange fees, is defined as any person or entity who is:

Registered or qualified with the SEC, CFTC, FINRA, or any other securities agency or regulatory body.

Engaged as an investment adviser or asset manager.

Using the service for any commercial or business purpose, or on behalf of any entity other than themselves.

You agree to accurately represent your status.

By subscribing to the Service, you further represent and warrant that: (a) you will receive data from the Service solely for your own personal use and not on behalf of any other person or entity; (b) you are not registered or qualified with, or an associated person of, any securities or commodities agency, authority, or exchange; (c) you are not engaged as an investment adviser, asset manager, broker-dealer, or in any capacity that would require registration with the SEC, CFTC, FINRA, or any state regulatory authority; (d) you are not employed by a bank or insurance company performing functions related to securities or commodity futures; and (e) you do not use the data provided through the Service for managing your employer's or any entity's securities or commodities assets, or for any business purpose.

5. SUBSCRIPTIONS, PAYMENTS, AND REFUNDS

We offer monthly, quarterly, and yearly subscription plans.

Payments: All payments are handled through our third-party payment processor, Stripe. We do not store or have access to your credit card information.

Automatic Renewal: All subscription plans will automatically renew at the end of the subscription period. We reserve the right to change subscription pricing upon renewal, with at least thirty (30) days' prior notice to you via the email address associated with your account.

Cancellation: If you do not wish to renew, you must cancel your subscription at least 24 hours prior to your renewal date. You can manage your subscription and cancel at any time through your account settings page.

Refund Policy: All sales are final. Monthly and yearly subscriptions are non-refundable. We do not provide refunds or credits for any partial subscription periods.

Free Trials: We may, at our sole discretion, offer a subscription with a free trial for a limited period of time. You may be required to enter billing information to sign up for the free trial. If you do enter your billing information when signing up for a free trial, you will not be charged until the free trial has expired. On the last day of the free trial period, unless you cancel your subscription, you will be automatically charged the applicable subscription fee.

6. PROHIBITED ACTIVITIES & USER CONDUCT

You may not access or use the Site for any purpose other than that for which we make the Site available. As a user, you agree not to:

Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.

Make any unauthorized use of the Site, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email.

Share your subscription, password, or access to the Site with any other person. Subscriptions are for personal use only.

Use any information obtained from the Site in order to harass, abuse, or harm another person.

Use the Site or Service in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party's use of the Service.

Use any robot, spider, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site.

Use the Site or Service for any illegal, fraudulent, or unauthorized purposes, including but not limited to market manipulation or deceptive trading practices.

Attempt to circumvent any content-filtering techniques, security measures, or access controls that we employ on the Site.

You may not, directly or indirectly: (a) redistribute, retransmit, republish, or make available any data or content from the Service to any third party through any means, including but not limited to screen sharing for commercial purposes, data feeds, or any electronic or manual method of systematic redistribution; (b) use any data from the Service as a component of or as a substitute for any real-time quotation service, market data feed, or market data redistribution service; or (c) use any data from the Service for the creation or calculation of any index, financial instrument, or investment product.

7. LIVE TRADE ROOM (DISCORD) CODE OF CONDUCT

Access to our Discord server is a privilege. By participating, you agree to the following:

The server is for educational and community purposes only.

Advertising or solicitation of other services, products, or communities is strictly prohibited and will result in a warning, followed by a permanent ban.

Do not engage in harassment, hate speech, or any disruptive behavior.

All trades or strategies discussed are for educational and hypothetical purposes. We are not responsible for any trades you take.

8. THIRD-PARTY SOCIAL MEDIA SERVICES, WEBSITES, AND CONTENT

The Site may contain links to other websites ("Third-Party Websites") and may integrate with or provide access to Third-Party Social Media Services, including but not limited to Discord, X (Twitter), YouTube, and similar platforms. Such Third-Party Websites and Third-Party Social Media Services are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites or Third-Party Social Media Services accessed through the Site. The inclusion of any links does not imply an endorsement or recommendation by us.

If you choose to connect your account with or access any Third-Party Social Media Service, you do so at your own risk. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any Third-Party Social Media Service. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods, or services available on or through any such Third-Party Social Media Service.

We strongly advise you to read the terms and conditions and privacy policies of any Third-Party Social Media Services or websites that you visit or connect to through the Site.

9. DISCLAIMER OF WARRANTIES

THE SITE AND ALL CONTENT AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS AND WITH ALL FAULTS AND DEFECTS 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, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, WITH RESPECT TO THE SERVICE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND WARRANTIES THAT MAY ARISE OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE, OR TRADE PRACTICE. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY, TIMELINESS, OR COMPLETENESS OF THE SITE'S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, OR (3) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to you. In such a case, the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANY OF ITS MARKET DATA SOURCES, MARKET DATA PROCESSORS, SECURITIES EXCHANGES, OR THEIR RESPECTIVE AFFILIATES GUARANTEES THE TIMELINESS, SEQUENCE, ACCURACY, OR COMPLETENESS OF ANY MARKET DATA OR ANALYTICS MADE AVAILABLE THROUGH THE SERVICE. NEITHER THE COMPANY NOR ANY MARKET DATA SOURCE, PROCESSOR, OR EXCHANGE SHALL BE LIABLE IN ANY WAY FOR ANY LOSS OR DAMAGE ARISING FROM OR OCCASIONED BY ANY INACCURACY, ERROR, DELAY IN, OR OMISSION OF, OR IN THE TRANSMISSION OR DELIVERY OF, ANY SUCH DATA, ANALYTICS, OR CONTENT. MARKET DATA AND ANALYTICS ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND ARE NOT INTENDED AS A SUBSTITUTE FOR OBTAINING MARKET DATA DIRECTLY FROM AN EXCHANGE OR AUTHORIZED DATA VENDOR.

10. LIMITATION OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EXCEPT IN CASES OF OUR FRAUD, WILLFUL MISCONDUCT, INTENTIONAL INJURY, OR GROSS NEGLIGENCE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, AND EXCLUDING LIABILITY FOR FRAUD, WILLFUL MISCONDUCT, INTENTIONAL INJURY, OR GROSS NEGLIGENCE, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE TOTAL AMOUNT OF SUBSCRIPTION FEES PAID BY YOU IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR $1,000.00, WHICHEVER IS GREATER.

Some states and jurisdictions do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these jurisdictions, each party's liability will be limited to the greatest extent permitted by law.

YOU ACKNOWLEDGE AND AGREE THAT NO MARKET DATA SOURCE, SECURITIES EXCHANGE, DATA PROCESSOR, OR THIRD-PARTY INFORMATION PROVIDER SHALL HAVE ANY LIABILITY TO YOU WHATSOEVER, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO THE MARKET DATA, ANALYTICS, OR CONTENT MADE AVAILABLE THROUGH THE SERVICE. THIS LIMITATION SHALL APPLY REGARDLESS OF WHETHER SUCH DATA SOURCE, EXCHANGE, PROCESSOR, OR PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of (a) your use of the Site or Service; (b) your breach of these Terms and Conditions; (c) any breach of your representations and warranties set forth herein; (d) your violation of the rights of a third party, including but not limited to intellectual property rights; or (e) any harmful act toward any other user of the Site with whom you connected via the Site or Service.

12. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms and Conditions and your use of the Site are governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to be entirely performed within the State of Delaware, without regard to its conflict of law principles.

For European Union (EU) Users: If you are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident.

For International Users: If you access the Service from outside the United States, you do so at your own risk and are responsible for compliance with local laws to the extent applicable. Your use of the Service may also be subject to other local, state, national, or international laws.

Binding Arbitration: Any dispute, controversy, or claim arising out of or relating to this Agreement shall be resolved through final and binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules (or, if applicable to the user, the AAA Consumer Arbitration Rules). The arbitration will be primarily conducted virtually via video conference or other electronic means. In-person hearings, if deemed necessary by the arbitrator or mutually agreed upon by the parties, shall be conducted in Los Alamitos, California, USA. Judgment on the arbitration award may be entered in any court having jurisdiction.

Class Action Waiver: You agree that any arbitration or proceeding shall be limited to the dispute between us and you individually. To the full extent permitted by law, (a) no arbitration or proceeding shall be joined with any other; (b) there is no right or authority for any dispute to be arbitrated or resolved on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

13. TERMINATION

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms and Conditions.

Upon termination, your right to use the Service will cease immediately. If you wish to terminate your account, you may simply discontinue using the Service and cancel your subscription through your account settings page.

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, the indemnification obligation, and limitations of liability.

14. API USAGE AND SPECIFIC TERMS

If we provide you with access to our Application Programming Interface (API), including any associated data feeds, documentation, or developer tools (collectively, the "API"), your use of the API is subject to these terms in addition to the general Terms and Conditions.

14.1. API License and Restrictions: Your access to the API is granted for private, non-commercial use only, solely for the purpose of integrating our data for your personal informational and educational use. Redistribution, resale, sublicensing, or any other commercial exploitation of any data or content obtained through our API is strictly prohibited unless a separate, explicit written commercial licensing agreement has been executed between you and Not Financial Advice, MERQUAN. We evaluate requests for such commercial licenses on a case-by-case basis. Any unauthorized commercial use or redistribution of API data will result in immediate termination of your access to the API and may lead to further legal action.

14.2. API Keys and Security: You may be provided with API keys or other credentials to access the API. You agree to keep these API keys and credentials confidential and secure. You are solely responsible for all activities that occur under your API key, whether authorized or unauthorized. You must notify us immediately if you suspect any unauthorized use or compromise of your API key. You shall not share your API key with any third party.

14.3. Usage Limitations: Your use of the API is subject to specific rate limits, call volume limits, and other usage restrictions, which we may implement and modify from time to time in our sole discretion. You agree not to attempt to circumvent these limitations. Exceeding these limits may result in throttling, temporary suspension, or permanent termination of your API access.

14.4. Prohibited API Activities: In addition to the Prohibited Activities outlined in Section 6, you agree not to:

Reverse engineer, decompile, disassemble, or attempt to discover the source code, underlying algorithms, or internal workings of the API.

Use the API to develop or offer any product or service that competes with Merquan Corporation or merquan.com.

Introduce any viruses, worms, malware, or other harmful or disruptive code through your use of the API.

Interfere with or disrupt the integrity or performance of the API or its related systems.

Misrepresent the source or ownership of any data obtained through the API.

Use the API for any illegal, fraudulent, unethical, or unauthorized purposes, including but not limited to market manipulation or deceptive practices.

14.5. API Modifications and Data Disclaimer: We reserve the right to modify, update, deprecate, or discontinue any aspect of the API at any time, with or without notice. While we may endeavor to provide notice of significant changes, we are not obligated to maintain backward compatibility. All data and content provided via the API are for informational and educational purposes only, provided "AS IS" and "AS AVAILABLE." We make no warranties or representations regarding the accuracy, completeness, timeliness, or reliability of any data obtained through the API, and you acknowledge that such data may be delayed, inaccurate, or incomplete. You assume all risk associated with your use of the API and any data derived therefrom.

14.6. No API Support or Service Level Agreement: Unless otherwise agreed in a separate written commercial licensing agreement, Merquan Corporation is under no obligation to provide any technical support, maintenance, or service level agreements (SLAs) for your access to or use of the API.

15. DATA PRIVACY AND PERSONAL INFORMATION

Our collection and use of personal information in connection with the Service is described in our Privacy Policy. By using the Service, you consent to the collection and use of information as described therein.

We do not sell, rent, or market your personal data to third parties. We may share limited information with service providers (such as our payment processor, Stripe) solely as necessary to operate the Service.

If you connect your account with any Third-Party Social Media Service, we may collect certain information from that service as described in our Privacy Policy. You may disconnect such integrations at any time through your account settings.

For users located in the European Union or other jurisdictions with data protection laws, you may have rights regarding access, correction, or deletion of your personal data. Please contact us at admin@merquan.com for such requests.

16. ONLINE FRAUD WARNING

Merquan Corporation provides options analytics tools and related educational content. Unfortunately, our reputation may lead to scams by imposters, cyber criminals, and other fraudulent actors that falsely claim to come from us or to be associated with us, our brands, or our officers and employees.

These scams may include invitations to join in investment opportunities via online platforms, social media accounts, and misleading or spoofed email addresses. These are not affiliated with Merquan Corporation in any way and are not legitimate. Merquan Corporation and its officers and employees will never (1) promote stocks, tokens, or any other investment opportunities directly to consumers through any social media account or other online medium, including Discord, X (Twitter), Telegram, or WhatsApp, or (2) request money, bank account details, or any other personally identifiable information from any individuals by phone, text, email, or any messaging platform.

If you suspect that Merquan Corporation or our employees are being impersonated in communication with you, please email admin@merquan.com.

17. THIRD-PARTY BENEFICIARIES AND MARKET DATA TERMS

You acknowledge and agree that the securities exchanges, market data processors, and third-party information providers whose data underlies the Service (collectively, "Data Providers") are intended third-party beneficiaries of the provisions of these Terms relating to the use, redistribution, and protection of market data, and that such parties may enforce such provisions directly against you.

The Company reserves the right to amend or supplement the terms governing your access to market data at any time upon notice to you, including as may be required by changes to agreements between the Company and its Data Providers. Your continued use of the Service following such notice constitutes acceptance of the amended terms. In the event of any conflict between the general provisions of these Terms and any market-data-specific terms imposed by a Data Provider, the more restrictive provision shall control with respect to your use of the applicable data.

You further acknowledge that your access to market data through the Service is conditioned upon your agreement to use such data solely for your own personal, non-commercial, informational purposes. Any use of market data obtained through the Service for purposes other than personal viewing — including, without limitation, for automated trading systems, algorithmic order generation, or redistribution to third parties — may subject you to additional fees, require execution of a separate agreement, or result in termination of your access to the Service.

18. CHANGES TO THESE TERMS AND CONDITIONS

We may update these Terms from time to time in our sole discretion. All changes are effective when we post the updated Terms on the Site, unless otherwise required by applicable law. The "Last Updated" date at the top of these Terms will reflect the date of the most recent changes. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms and Conditions. We encourage you to periodically review these Terms for any updates.

19. SEVERABILITY AND WAIVER

Severability: If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Waiver: Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter, nor shall the waiver of a breach constitute a waiver of any subsequent breach.

21. ENTIRE AGREEMENT

These Terms and Conditions, together with our Privacy Policy and any other legal notices or policies published by us on the Site, constitute the entire agreement between you and the Company regarding your use of the Service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Service.

22. CONTACT US

In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at: admin@merquan.com

Mailing Address: Merquan Corporation

16192 Coastal Highway, Lewes, Delaware 19958

County of Sussex, United States Of America

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