TERMS OF SERVICE

IMPORTANT NOTICES - READ FIRST

1. AGREEMENT TO TERMS

These Terms of Service ("Terms" or "Agreement") are a binding contract between you ("you," "your," "User," "Customer," or "Investor" where applicable) and Hutfin Global Technologies, Inc., a Delaware corporation, together with its affiliates, subsidiaries, successors and assigns ("Hutfin," "we," "us," "our"). These Terms govern your access to and use of www.hutfin.com, www.hutfin.ai, our mobile apps, APIs, AI Features, and all related products, tools, and services that link to or reference these Terms (collectively, the "Services").

By accessing or using the Services, you represent and warrant that you have the right, power, and authority to agree to these Terms, and you agree to be bound by these Terms and the policies incorporated by reference above. If you do not agree, or if you lack such authority, do not access or use the Services.

If you participate in a specific fractional ownership offering, you additionally accept that offering's Subscription Agreement, operating agreement, Private Placement Memorandum, offering circular, or equivalent documents (the "Offering Documents"), which control over these general Terms for investment-specific matters.

If you and Hutfin have entered into a separate written agreement (including an Advertising Agreement or Order Form) that covers your use of a specific Hutfin service, the terms of that agreement control for that service to the extent inconsistent with these Terms.

Order of precedence in case of conflict: (1) the Offering Documents for a specific investment; (2) any Order Form, Advertising Agreement, or other written agreement signed by both parties; (3) these Terms; (4) any other referenced documents or policies.

We may update these Terms at any time. For material changes, we will provide reasonable advance notice (at least 30 days where practicable, and no less than 14 days) by email, in-product notice, or website notice, except where a shorter period is required by law or regulation. It is also your responsibility to review these Terms periodically. Your continued use after the effective date constitutes acceptance. If you do not agree with a modification, you must stop using the Services; where you hold investments through the Platform, the termination and survival provisions of Section 25 apply.

2. WHO WE ARE / CONTACT

Company: Hutfin Global Technologies, Inc. (Delaware, USA) Website: www.hutfin.com and www.hutfin.ai. Mobile App: "Hutfin" (iOS/Android) Address: 1720 Stratton Dr, Virginia Beach, VA 23456, USA Email: support@hutfin.com (Alt: director@hutfin.com) Copyright notices: copyright@hutfin.com Account security issues: accountsecurity@hutfin.com

3. DEFINITIONS

"Advertising Agreement" means a contract between Hutfin and an individual or entity that authorizes access to a Hutfin listing or advertising service, whether written and signed or formed by online registration and acceptance of these Terms. "AI Features" means every artificial intelligence, machine learning, or generative AI capability offered anywhere on the Services, including hutfin.ai, such as: AI chat and conversational assistants; AI-assisted search, matching, and recommendations; AI valuation, underwriting, comparables, and market-analytics tools; AI document summarization, extraction, translation, and question-answering; AI listing, content, image, and report generation; AI transcription or meeting-notes features; fraud, anomaly, market-integrity, and safety detection models; KYC, liveness, and document-authenticity models; and any beta or experimental AI capability. "Authorized User" means an individual permitted to use the Services under a Customer's paid membership pursuant to an Order Form. "Basic Listing" means the base level Listing with no or limited promoted exposure on the Services. "CPI" means, for the United States, the Consumer Price Index for All Urban Consumers (CPI-U); for the European Union, the European Union Consumer Price Index; and for other locations, the Consumer Price Index published by the applicable national statistics authority. "Fractional Interest" means an undivided or pooled ownership or economic interest in a specific commercial real estate asset offered through the Platform, held through the applicable Issuing Entity's equity, membership, or beneficial-interest structure. "Hutfin Information" means the information, directories, text, forms, agreements, videos, photographic and other imagery, AI-generated outputs, and data provided by Hutfin. "Hutfin Parties" means Hutfin and its affiliates and their respective partners, officers, directors, employees, agents, licensors, and third-party suppliers, and each of their successors and assigns. "Inputs" means prompts, questions, instructions, messages, files, documents, images, and data you submit to or connect with AI Features. "Outputs" means responses, summaries, drafts, analyses, valuations, images, and other content generated for you by AI Features. "Issuing Entity" means the SPV, series LLC, or other legal entity that holds title to a specific real estate asset and issues Fractional Interests in it. "Listing" means a listing for the sale, lease, or fractional offering of commercial real estate on the Services. "Order Form" means an ordering document or online signup flow specifying Services, fees, and terms, entered into between you and us. "Passcode" means the username, password, and any other authentication method used to access the Services. "Premium Listing" means a paid Listing tier providing greater promoted exposure than a Basic Listing, as described in the Services interface and the Fee Schedule at https://hutfin.com/fees. "Product" means the Services, Listings, Hutfin Information, and all other information and content contained in or provided through the Services, including updates and modifications, information derived therefrom, and the proprietary organization, layout, design, and structures for categorizing, sorting, and displaying it, together with related tools and software. "Submitted Content" means any information, data, text, videos, photographs, imagery, graphics, messages, links, expressions of ideas, and other content you submit to the Services, whether for public display or otherwise. "Transaction Documents" means purchase and sale agreements, leases, loan documents, subscription agreements, and other documents between buyers, sellers, lessors, lessees, brokers, lenders, investors, and other involved parties that govern actual real estate transactions. "User Content" means Submitted Content together with Listings and property-related materials you submit.

4. NATURE OF THE SERVICES; HUTFIN'S ROLE (AND WHAT HUTFIN IS NOT)

4.1 Marketplace Tools Only. The Services are a set of technology tools to assist stakeholders in commercial real estate, including brokers, buyers, sellers, lessors, lessees, lenders, and investors. Key features include an online marketplace, listing pages, due-diligence data rooms, AI-assisted search and insights, solicitation tools, and closing checklists. All actual transactions are governed by Transaction Documents between the parties to them. Hutfin is not a party to, and is not responsible for, any transaction between users, whether or not the Services were used.

4.2 No Brokerage. Hutfin is not a licensed real estate broker and does not provide licensed brokerage services or activities. Any seller or lessor publicizing a property via the Services must be represented by a licensed broker unless the seller or lessor is itself licensed or a license is unnecessary under applicable law. Commissions, if any, are offered by sellers or lessors on their own terms.

4.3 Brokers and Agents; No Licensure Verification. Any person who identifies themselves as a broker or agent on the Services represents and warrants that they are validly licensed and in compliance with applicable broker requirements in every jurisdiction where required. Hutfin may, in its sole discretion but without obligation, verify licensure or the existence of representation agreements, and may remove any person it believes is not properly licensed. Hutfin has no obligation to independently verify licensure; it is your responsibility to confirm the licensed status of any broker or agent you deal with.

4.4 No Advice; No Fiduciary Duty; No Consumer Reports. Nothing on the Platform, including listings, valuations, AI-generated outputs, analytics, projected yields, forms, or investment materials, constitutes investment, financial, legal, tax, accounting, or other professional advice, or an offer, solicitation, or recommendation to buy or sell any security or property. No lawyer-client, advisory, fiduciary, or similar relationship is created by your use of the Services or by communicating with us. These Terms do not create, and to the fullest extent permitted by law we disclaim, any fiduciary duty to you; the only duties we owe you are those expressly stated in these Terms. You shall not use the Services to determine any individual's eligibility for credit, insurance, employment, housing, or any government license or benefit, and you shall not use the Services in any manner intended to cause information in them to constitute a "consumer report" under the Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq.

4.5 Due Diligence Is Yours. Each buyer, lessee, and investor is solely responsible for all due diligence, including title and legal status, valuation, physical condition, environmental reports, encumbrances, rent rolls, tenant issues, and zoning, and is encouraged to engage licensed professionals. Documents, pictures, and other information available through the Services are for informational purposes only and may not represent the condition of a property at any given time. We do not verify the completeness or accuracy of information provided by sellers, lessors, brokers, lenders, issuers, or any third party.

4.6 Forms and Tools. If the Services provide any tool, form, or agreement, or you upload any form or agreement to the Services, you acknowledge that Hutfin is not a party to the transaction contemplated by it, that the Hutfin Parties make no representations as to the sufficiency, legal effect, or enforceability of any such tool, form, agreement, or any electronic signature, and that you have made your own independent analysis without reliance on the Hutfin Parties.

4.7 User Disputes. Disputes between users are solely between those users. You release Hutfin (and, if you are a California resident, waive California Civil Code Section 1542, and if a resident of another jurisdiction, any comparable statute or doctrine) from claims arising out of disputes between you and other users, including disputes relating to Transaction Documents.

4.8 Not Registered as an Exchange or Broker-Dealer. Hutfin is not registered with the SEC as a national securities exchange, broker-dealer, investment adviser, funding portal, or in any other capacity. Where a registered broker-dealer, funding portal, alternative trading system, transfer agent, or escrow agent participates in a specific offering or secondary transfer, its identity and role will be disclosed in the applicable Offering Documents and at https://hutfin.com/investor-disclosures, and such named entities may be third-party beneficiaries of the payment-related provisions of these Terms.

5. ELIGIBILITY; ACCOUNTS; PASSCODES; VERIFICATION

5.1 Age and Capacity. You must be at least 18 (or the age of majority in your jurisdiction) and able to form a binding contract. No use by children under 13 in any circumstance. Minors may never hold a Fractional Interest, regardless of parental consent. If you act for an entity, you represent that you have authority to bind it. Hutfin subscriptions are for business and investment purposes and not for personal, family, or household purposes except where investment features are expressly made available to individual investors.

5.2 Account Registration and Accuracy. Provide and maintain true, accurate, current, and complete information, including a valid phone number and email address. Only you may use your account; you may not impersonate anyone, create accounts for others, misrepresent your affiliation, disguise the origin of any content, or transfer your account. Keep your contact and billing information current at all times.

5.3 Passcodes and Security. You must maintain the confidentiality of your Passcodes and may not share them. We may rely on Passcodes to authenticate identity and have no obligation to confirm the actual identity or authority of any person using your Passcodes. You are responsible for all activity under your account. Notify us immediately at accountsecurity@hutfin.com of any unauthorized use of your Passcode or account or any other security breach. Unauthorized attempts to defeat or circumvent security features, to use the Services for other than intended purposes, or to obtain, alter, damage, or destroy information may result in loss of access and referral to law enforcement. If you cause a technical disruption of the Services, you are responsible for all resulting liabilities, costs, and expenses (including reasonable attorneys' fees and costs of enforcement).

5.4 Your Stored Settings and Data. If you create settings, saved searches, fields, or functions, or input or export data, the Hutfin Parties have no liability for the loss, destruction, or third-party use of that information; make your own backups. We may limit allocated storage.

5.5 Authorized Users. If your Order Form permits Authorized Users, each must accept these Terms; their access terminates with your membership; and you are responsible for their acts and omissions, including those of your employees, contractors, affiliates, and agents.

5.6 KYC/AML/CFT; Sanctions. We may require identity, license, business, sanctions, source-of-funds, and (for investments) accredited-investor or eligibility screening at onboarding and on an ongoing basis, and may approve, refuse, limit, suspend, or terminate access at our discretion and as required by law. You represent and warrant that you: (i) will comply with all applicable laws; (ii) are not located in, a resident of, or organized under the laws of any comprehensively sanctioned country or region; (iii) are not on any sanctions list (including the OFAC SDN list and the Commerce Department's Denied Persons List); and (iv) will not enable access for any such person or entity.

5.7 Competitors. You may not access or use the Product if you are a direct or indirect competitor of Hutfin, and you may not provide any portion of the Product to any direct or indirect competitor, in each case without Hutfin's express written permission.

5.8 Geographic Availability of Investments. The marketplace and listing features of the Services may be available broadly, but Fractional Interests are offered only in jurisdictions where the offering is lawful and, in the U.S., only under the exemption relied upon for that offering as stated in the Offering Documents. Persons resident outside the United States are not permitted to access U.S. investment opportunities unless the applicable Offering Documents expressly provide otherwise. All users access the Services on their own initiative and are responsible for local-law compliance.

6. SECURITIES OFFERING MATTERS; INVESTOR ELIGIBILITY

6.1 Exempt Offerings. Securities offered through the Platform, if any, have not been registered under the Securities Act of 1933 and are offered in reliance on exemptions identified per offering in the Offering Documents (which may include Section 4(a)(2)/Regulation D Rules 506(b) or 506(c), Regulation A, Regulation CF, and/or Regulation S). Securities sold in private placements are restricted, not publicly traded, and illiquid. No regulator has approved, passed upon, or endorsed the merits of any offering. Full standing disclosures appear at https://hutfin.com/investor-disclosures.

6.2 Accredited Investors. Where an offering is limited to "accredited investors" (Rule 501 of Regulation D), only verified accredited investors may access those offering pages and invest. In general, individuals qualify with net worth over $1 million (excluding primary residence) or income of $200,000 ($300,000 with spouse or spousal equivalent) in each of the last two years with a reasonable expectation of the same in the current year.

6.3 Regulation A / Regulation CF Limits. Where an offering is conducted under Regulation A (Tier 2) or Regulation CF, non-accredited investors are subject to the investment limits of the applicable rule, and you represent that your investment complies with those limits.

6.4 "Bad Actor" / Covered Persons. You may not become a beneficial owner of 20% or more of an issuer's outstanding voting equity without becoming subject to Rule 506(d) or Rule 262(a) disqualification analysis. You represent that you are not subject to a disqualifying event and will promptly notify us in writing if that changes. Hutfin is not responsible for making Rule 506(e) or Rule 262(e) disclosures on your behalf.

6.5 Verification Documentation. You may be required to provide subscription agreements, questionnaires, income or net-worth documentation, professional-license evidence, and to pass background and sanctions screening. Failure to provide requested documentation is cause for immediate suspension of investment features or the Services.

6.6 No Guarantee of Return; Projections. Nothing on the Platform, including projected rental yields, appreciation estimates, IRR targets, or AI-generated analytics, is a guarantee. Estimates are based on assumptions; actual results may differ materially and may be negative. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS.

6.7 Transfer Restrictions; No Secondary Market Guarantee. Fractional Interests may be subject to transfer restrictions imposed by law or the Issuing Entity's governing documents. Hutfin does not guarantee any exit window, secondary market, or liquidity. Where secondary transfers are facilitated, they will occur only through a registered broker-dealer or alternative trading system or under an available exemption, and we may restrict, refuse, or unwind transfers that would violate law. Any exit-window mechanism is discretionary, may be suspended at any time, and does not create or imply a secondary market.

6.8 Cooling-Off / Cancellation. Where the Offering Documents or applicable law provide a cancellation or cooling-off right, the terms, duration, and mechanics stated in the Offering Documents control. Where such a right applies and is exercised, you receive back your invested amount per the Offering Documents, without promotional benefits, and subject to any disclosed foreign exchange or processing costs.

6.9 Issuing Entity Relationship. Your Fractional Interest is an interest in (or claim against) the specific Issuing Entity, not in Hutfin Global Technologies, Inc., unless expressly stated otherwise. Hutfin's role per offering (platform operator, sponsor, manager, or other) is disclosed in the Offering Documents. Investor voting rights, distribution mechanics, reserve funds, property-manager appointment, and offering-level fee schedules are governed by the Offering Documents.

6.10 Material Changes. If a material change occurs that may significantly affect the value of an asset or investment during a commitment or funding period, we will notify affected investors and follow the reconfirmation or cancellation mechanics required by the applicable exemption and the Offering Documents.

6.11 Failed Fundings. If an offering does not reach its funding target within its stated period and is not otherwise completed per its Offering Documents, committed funds will be returned per the Offering Documents through the applicable escrow or payment rails, without deduction except disclosed third-party or foreign exchange costs.

6.12 No Use of Platform Data in Offering Materials. You may not use any portion of the Product, directly or indirectly, in any securities offering materials, registration statement, prospectus, or other filing with the SEC or any other governmental authority without Hutfin's express written permission. This does not restrict an Issuing Entity's use of its own property data in its own Offering Documents.

7. PAYMENTS; THIRD-PARTY PROCESSORS; PLAID; EFT AUTHORIZATION

7.1 Payment Processors. Payments are handled by third-party processors. Hutfin's current Payment Processor is Plaid Inc. ("Plaid"), and processors may also include Stripe, PayPal, card acquirers, ACH originators, digital wallet providers, and financing partners (each a "Payment Processor"), and, for investment subscriptions and distributions, may involve an escrow agent, transfer agent, or registered broker-dealer engaged for that offering. Each Payment Processor's terms and privacy policy apply in addition to ours. We may change Payment Processors at any time. Your payment must be received and accepted before an order is effective. We do not view or store full card numbers or bank credentials. We are not responsible for Payment Processor security or privacy breaches to the extent permitted by law. We are not bound to use any particular payment vendor or to accept credit card payments, and processing fees may be added to amounts payable where permitted by law and disclosed.

7.2 Plaid - Financial Data Access. We use Plaid Inc. ("Plaid") to enable you to securely connect your financial accounts (such as bank accounts) to the Platform. By using this functionality, you authorize Hutfin and Plaid to access, transmit and process your financial information from your financial institution on your behalf. The information obtained via Plaid may include, but is not limited to: account balances, transaction history, and account and institution details. We use this information solely to provide, operate and improve our services, including financial insights, transaction related features and platform functionality. Hutfin does not store your banking credentials. Your login credentials are processed securely by Plaid. Your use of Plaid is subject to Plaid's Privacy Policy, available at https://plaid.com/legal/#privacy-policy. By connecting your financial account, you expressly consent to Plaid's collection, use and sharing of your data in accordance with Plaid's Privacy Policy.

7.3 Electronic Funds Transfers. Where we process EFTs (ACH or wire) for deposits, subscriptions, redemptions, distributions, or refunds, including through a registered broker-dealer or escrow or payment partner engaged for a specific offering and named in the Offering Documents, you authorize us and the named partner(s) to share your identity and bank account data as needed to process your instructions, you are responsible for the accuracy of that data, and you acknowledge that neither we nor those partners are liable for losses arising from EFTs executed per your instructions. Named payment or escrow partners for an offering may be third-party beneficiaries of this Section.

7.4 Client Funds Segregation. Where the Offering Documents or applicable regulation require it, investor funds pending deployment are held in segregated escrow or client-fund accounts at qualified institutions, separate from Hutfin's operational funds, and do not earn interest for you unless expressly stated. We conduct reasonable due diligence in selecting such institutions but are not responsible for their acts, omissions, or insolvency to the extent permitted by law. Where funds are pooled, claims are general and joint per the escrow terms rather than to specific dollars in specific accounts.

7.5 Money Transmission. Hutfin structures payment flows to route through licensed processors, escrow agents, and banking partners rather than holding customer funds directly, except where expressly disclosed for a specific feature.

7.6 Fees; Taxes; Chargebacks; Billing. Fees for memberships and Services are stated in the Services interface, an Order Form, or the Fee Schedule at https://hutfin.com/fees, and are exclusive of taxes and duties, which are your responsibility (excluding taxes on our net income). Withholding taxes, if any, are grossed up by you. Offering-specific fees are disclosed in the Offering Documents. You authorize us to place preauthorization holds and initiate recurring charges or debits for fees owed on their due date, including past-due fees under prior agreements. If we invoice you by email or postal mail, payment is due within thirty (30) days unless otherwise agreed. Late payments may accrue charges at the maximum rate permitted by law. All fees are payable without set-off or deduction; acceptance of partial payment is without prejudice; no endorsement or statement on a check constitutes accord or satisfaction. Unjustified chargebacks may result in suspension or termination. You must notify us of billing problems or discrepancies within 180 days of the charge first appearing; failure to do so waives your right to dispute the charge, to the extent permitted by law. Loyalty and bundle discounts are subject to cancellation.

8. MEMBERSHIPS; AUTO-RENEWAL; TRIALS; CANCELLATION

8.1 Memberships. Free memberships provide limited access; paid memberships provide additional features per the Services interface or Order Form. Paid memberships commence when made available and continue for the stated term ("Membership Period").

8.2 Auto-Renewal. UNLESS OTHERWISE STATED IN AN ORDER FORM, PAID MEMBERSHIPS AUTOMATICALLY RENEW FOR SUCCESSIVE PERIODS EQUAL TO THE PRIOR TERM AT THE THEN-CURRENT RATE, AND RENEWAL FEES ARE CHARGED TO YOUR PAYMENT METHOD UNTIL YOU CANCEL. For any auto-renewing plan, we will: present renewal terms clearly at sign-up; obtain your affirmative consent; send a post-purchase acknowledgment with cancellation instructions; send advance renewal reminders where required (including for annual plans); and provide an easy, cost-effective online cancellation mechanism in account settings, consistent with the auto-renewal laws of California, New York, Colorado, Connecticut, the District of Columbia, and comparable jurisdictions. You may also cancel by emailing support@hutfin.com with "Cancel Subscription" from your account email. Non-renewal requests are processed within 5 business days, with email confirmation. Cancellation stops future charges; benefits continue through the current paid term; no refunds for elapsed periods except as required by law, our posted refund policy, or Section 25.4.

8.3 Promoted Listing Terms. Premium Listing tiers may carry minimum initial terms stated at purchase. An upgrade to a higher tier may initiate a new minimum initial term. After any initial term, promoted Listings renew month to month unless either party gives written notice of non-renewal at least 14 days before the end of the then-current term, or the property is taken off market. Purchase of a promoted Listing applies only to the specific property or listing ID; swaps between properties are prohibited. Promoted inventory in a given submarket may be limited; where sold out, we may maintain a wait list, and pricing for newly available slots may increase.

8.4 Fee Changes. For paid memberships, we will provide at least 60 days' prior written notice of fee changes, effective at your next renewal. For annual subscriptions, we may additionally increase pricing on each subscription anniversary by a percentage equal to the percentage increase in the applicable CPI, with notice.

8.5 Trials. Trial terms (duration; post-trial price) are stated at signup. UNLESS YOU CANCEL BEFORE THE TRIAL ENDS, BILLING BEGINS AUTOMATICALLY AT THE DISCLOSED PRICE. We will send any pre-billing reminder required by applicable law. We may modify or terminate trials, and deactivate complimentary subscriptions, at any time.

9. ADMINISTRATION OF LISTINGS

9.1 Your Responsibility. It is your sole responsibility to upload Listings you want included on the Services and to provide all information, data, and imagery necessary. You shall ensure that all Listing information is accurate at all times. No robot, spider, or other automated service may be used to submit Listings.

9.2 Authority. You represent and warrant that, for each Listing you submit, you have the right and authority to submit it, and you are not submitting on behalf of any party not authorized to list. You shall not post a Listing under a name or contact other than the property owner or the licensed broker or agent engaged by the owner under a duly executed listing agreement.

9.3 Display and Use. You agree that submitted Listings may be searched, displayed, accessed, viewed, downloaded, copied, and otherwise used by users of the Services and Hutfin partner and affiliate sites. Hutfin has sole authority over how Listings are displayed and ranked, subject to Section 31 (EU recommender disclosure) where applicable.

9.4 Moderation; Stale Listings. Hutfin has no obligation to monitor or verify accuracy or proper use of the Services, but may search for, remove, or modify Listings alleged to violate these Terms, and may remove all or part of any Listing in its sole discretion. Hutfin has no obligation to resolve disputes among users. Listings not modified or renewed within a 75-day period may be automatically changed to "Off Market" and/or removed.

9.5 Your Contact Lists. Contact lists you upload to marketing tools within the Services are for your use only; Hutfin will not use those lists for its own marketing.

9.6 Information License from Advertisers. If you are a broker, investor, or developer party to an Advertising Agreement, you agree to use reasonable efforts to keep Hutfin informed about commercial and investment space available for lease or sale and transaction information for properties you own, control, represent, or hold exclusives on, and you grant Hutfin and its affiliates an irrevocable, non-exclusive license to gather, use, modify, reproduce, and sublicense real estate information available on your website or otherwise provided by you. You retain your ownership rights in information and imagery you provide.

10. LICENSES TO YOU; INTELLECTUAL PROPERTY; OWNERSHIP

10.1 Our Ownership. The Product is comprised of data and content owned by Hutfin and its licensors, who retain exclusive ownership of all proprietary rights in the Product (including photos, videos, and imagery created by Hutfin under any advertising or listing plan), including all U.S. and international patents, trademarks, copyrights, and trade secrets. This is a license, not a sale. You acquire no interest in the Product other than the limited right to use it under these Terms. You agree to (a) comply with all laws necessary to protect Hutfin's and its licensors' rights, (b) not challenge their ownership or the validity of their rights, and (c) not remove, conceal, or circumvent any copyright notice, rights-management information, or anti-piracy technological measure.

10.2 Your License. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-sublicensable, non-transferable license to access and use the Services, in the ordinary course of business, to view Listings, to create and manage Listings for properties you own, control, or represent, and to use any downloadable components (in object code) and documentation solely to support your use of the Services during your Membership Period. Where your Listing incorporates Hutfin Information, you receive a limited, revocable, non-sublicensable license to use it strictly in connection with your Listing on the Services. You may hyperlink to the Services home page or a Listing in the ordinary course of business, provided you remove the link on request and no link appears on a competitor's site or app. We may modify, update, or discontinue any aspect of the Services at any time; continued use constitutes acceptance.

10.3 Usage Data and Derivative Data. We may collect data about your use of the Services ("Usage Data") and create aggregated, derived, or anonymized data from User Content and Usage Data ("Derivative Data"). We own Usage Data and Derivative Data and may use them in perpetuity to operate, analyze, improve, secure, and market the Services, as permitted by law and consistent with the Privacy Policy.

10.4 Feedback. Ideas, suggestions, enhancements, and feedback you provide are non-confidential; we may freely use them for any purpose without restriction or compensation, and you waive (and will cause to be waived) any moral rights in them.

10.5 Anti-Scraping Enforcement. You assign to Hutfin the right to pursue enforcement of copyright and other intellectual property claims against third parties that, without authorization and in violation of these Terms, scrape, copy, or distribute content from your Submitted Content, except where you have separately licensed those third parties.

10.6 U.S. Government Rights. The Services contain commercial technical data and computer software developed privately and licensed commercially. In accordance with FAR 12.211, 12.212, 27.405(b)(2) and 52.227-19 and DFARS 227.7202, 227.7102 and 252.227-7015, and applicable agency supplements, any use, reproduction, disclosure, or dissemination by or for the U.S. Government is governed strictly by these Terms and Hutfin's commercial agreements.

11. SUBMITTED CONTENT; USER CONTENT; LICENSES TO US

11.1 Your Ownership; Your Responsibility. As between you and us, you retain any ownership rights you have in your Submitted Content. All Submitted Content, whether publicly posted or privately transmitted, is the sole responsibility of the person from whom it originated. You are responsible for making any redactions necessary to protect confidential or sensitive third-party information. We have no obligation to monitor or screen Submitted Content, but we reserve the right to monitor, refuse, edit, or delete it at any time for any reason, using automated and manual moderation processes.

11.2 License to Submitted Content. You grant Hutfin and its licensees a royalty-free, perpetual, irrevocable, non-exclusive, worldwide, fully sublicensable (through multiple tiers) right and license to use, reproduce, host, store, communicate to the public, make available, adapt, perform, display, publish, translate, prepare derivative works from, modify, distribute, and otherwise use your Submitted Content, in whole or in part, and to incorporate it into other works in any form, media, or technology now known or later developed, in connection with providing, promoting, researching, and improving the Services, without payment or restriction. We may preserve and disclose Submitted Content in our discretion consistent with the Privacy Policy and Section 23.

11.3 Property Information. For property-related information you submit (title and legal status, valuations, condition, environmental matters, encumbrances, rent roll, tenant matters, "Property Information"), you acknowledge that we may distribute and commercialize Property Information, alone or combined with other data, to other users of the Services, without a duty to account to you, and that doing so does not breach Section 22 (Confidentiality).

11.4 Moral Rights Waiver. To the fullest extent permitted by law, you forever waive and agree never to assert any moral rights (droit moral) or similar rights you may have in Submitted Content under the law of any country or treaty.

11.5 Your Representations. You represent and warrant that: your Submitted Content is accurate to the best of your knowledge; you own or have full right, power, and authority (including all necessary consents from identifiable individuals and licenses from third-party content owners) to submit it and grant these licenses; our use of it will not infringe any third-party right; there are no pending claims, judgments, or settlements relating to it; and it is free of viruses and malware. If your content contains music, you represent that you own all applicable rights, including performance, mechanical, and sound recording rights.

11.6 Restrictions on What You May Submit. You must not submit content that: creates risk of harm to any person or property; exploits or endangers children; constitutes or contributes to a crime or tort; is unlawful, defamatory, obscene, harassing, hateful, racially or ethnically offensive, or invasive of privacy or publicity rights; discloses insider information or another's trade secrets; you lack rights to share; you know is inaccurate or not current; contains malware; or includes, without our written agreement, government IDs, Social Security numbers, full payment card numbers, or data regulated by GLBA, HIPAA/HITECH, FERPA, COPPA, or similar regimes outside the flows we expressly provide for KYC and investment verification.

11.7 Backups. Although we undertake reasonable efforts to back up data, you are solely responsible for retaining copies of your Submitted Content.

11.8 Public Content; Indexing. Content you set public (profiles, listings, reviews, forum posts) may be visible to others and indexed by search engines.

12. ACCEPTABLE USE; TECHNICAL RESTRICTIONS

Except as expressly permitted in Section 10.2, you shall not, and shall not assist others to: (a) distribute, disclose, copy, reproduce, upload, post, display, publish, transmit, assign, sublicense, sell, or provide access to any portion of the Product by any means (including the Internet, any bulletin board, electronic network, listing service, or data sharing arrangement), or modify, adapt, or create derivative works of the Product; (b) store, copy, or export any portion of the Product into any database or other software program, or use any portion of the Product to create, directly or indirectly, any database, product, or competing listing service; (c) link to or frame any portion of the Product except as permitted in Section 10.2; (d) scrape, crawl, data-mine, harvest, or bulk-extract content or data (automated or manual), or use any robot, spider, or automatic device or manual process to monitor or copy the Product or data generated from it; (e) use robots or automated tools to burden the Services beyond human browsing rates, impose disproportionate load, or interfere with proper working; (f) transmit spam, chain letters, or unsolicited messages; upload malware; probe, compromise, or bypass security or access controls; or access the Services by any means other than those we authorize; (g) reverse engineer, decompile, disassemble, or merge any portion of the Product or attempt to derive source code; (h) impersonate anyone, misrepresent affiliation, conceal identity, or commit fraud; (i) collect or harvest personal information of other users, or market to or communicate with contacts acquired from the Product without the consents required by applicable law; (j) engage in market manipulation of any kind, including "pump-and-dump" schemes, wash trading, spoofing, or manipulation of any listing, auction, or offering; (k) violate securities or derivatives laws, including unregistered offerings or offering leveraged or margined commodity products to U.S. retail customers; (l) buy, sell, or transfer stolen or fraudulently obtained items or assets; (m) circumvent KYC-gating, accredited-investor screening, or geographic restrictions built into the Services; (n) access audiovisual content other than by streaming through the Services' intended functionality (no stream-ripping, permanent downloading, or redistribution); (o) misuse AI Features, including by: attempting to extract model weights, system prompts, training data, or other confidential model information; jailbreaking, prompt-injecting, or otherwise circumventing safety filters, rate limits, or usage restrictions; using automated means to bulk-generate Outputs or to extract Inputs, Outputs, or embeddings at scale; or interfering with the operation or integrity of any AI system; (p) use the Services, any AI Feature, or any Output to develop, train, fine-tune, benchmark, or improve any machine-learning or AI model, or any product or service that competes with the Services, without Hutfin's express written permission; (q) use AI Features to generate content that is unlawful, deceptive, discriminatory (including in violation of fair-housing, fair-lending, or equal-opportunity laws), harassing, infringing, or that misrepresents AI-generated content as human-created or as verified fact; to impersonate any person; to make or support decisions about individuals' eligibility for credit, housing, employment, insurance, or government benefits; to provide regulated professional advice; or to facilitate securities fraud, market manipulation, or money laundering; (r) input into AI Features any personal information you lack rights or a lawful basis to process, any government identifiers, payment credentials, or protected health information, or any third-party confidential or trade-secret information without authorization; or (s) violate any applicable law, regulation, rule, ordinance, or common-law principle, including those relating to real estate practice, competition, marketing, advertising, defamation, securities, spam, AI transparency, and privacy.

We may investigate violations, require you to cure (including content removal), suspend or terminate access, and cooperate with law enforcement. We have no obligation to enforce these Terms on your behalf against another user, though we welcome reports at support@hutfin.com.

13. COMMERCIAL MESSAGES; TCPA; SMS

13.1 Your Messages. If the Services enable you to send emails, texts, or other commercial messages, you are the sole initiator of those communications and solely responsible for them. You must: have verifiable prior opt-in consent from each recipient; retain and produce on request the opt-in records (source, method, date and time, IP address, disclosures given); never use purchased, rented, traded, or appended lists; include a link to your privacy policy, a functioning unsubscribe mechanism, and your valid physical address; honor unsubscribe requests within ten (10) business days and keep them effective for at least thirty (30) days following the initial message and thereafter as required by law; never charge for or obstruct unsubscribing; and never sell or transfer an unsubscribed contact. Prohibited content includes anything unlawful, deceptive, sexually explicit, or relating to escort or dating services, drugs or supplements of concern, illegal goods, gambling, affiliate-marketing schemes, get-rich-quick, pyramid, day-trading, forex, or payday-loan schemes. You will comply with CAN-SPAM, the TCPA, state mini-TCPAs, and all other applicable messaging laws of every applicable jurisdiction. We may audit your messages, recipient lists, and opt-in records, and may suspend or terminate for violations.

13.2 Our Messages to You. By providing your phone number or email, you consent to receive transactional and (unless you opt out) marketing calls, texts, and emails from us and our service providers, including autodialed and prerecorded messages where permitted, about matters we determine may be relevant to you, including new features, available Listings, product updates, and marketing content. Message frequency varies; message and data rates may apply; reply STOP to opt out of texts and HELP for help; consent to marketing is not a condition of any purchase. You may opt out of marketing messages as required by law.

14. COPYRIGHT POLICY; DMCA NOTICE AND COUNTER-NOTICE

The full policy appears at https://hutfin.com/copyright. Hutfin respects the intellectual property of others and restricts and/or terminates, in appropriate circumstances, users who repeatedly submit infringing content.

14.1 DMCA Notice. If you believe your work has been copied in a way that constitutes copyright infringement, send a written notice to our Designated Agent:

DMCA Agent, Hutfin Global Technologies, Inc. 1720 Stratton Dr, Virginia Beach, VA 23456, USA Email: copyright@hutfin.com

Your notice must include substantially the following: (1) your physical or electronic signature (or that of a person authorized to act for the owner); (2) identification of the copyrighted work claimed to be infringed, or a representative list if multiple works; (3) identification of the allegedly infringing material, precise enough for us to locate it; (4) your contact information (name, postal address, telephone number, and email if available); (5) a statement of good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; (6) a statement that the information in the notice is accurate; and (7) a statement, under penalty of perjury, that you are the owner or authorized to act on the owner's behalf. Notices failing to comply with Section 512(c)(3) of the DMCA may not be effective. KNOWING MATERIAL MISREPRESENTATIONS MAY EXPOSE YOU TO LIABILITY FOR DAMAGES, COSTS, AND ATTORNEYS' FEES UNDER SECTION 512(f) OF THE DMCA. We may forward notices, including your contact details, to the user who posted the content.

14.2 Counter-Notice. If you believe material you posted was removed or disabled by mistake or misidentification, you may send our Designated Agent a written counter-notice including substantially: (1) your physical or electronic signature; (2) identification of the removed material and its prior location; (3) your contact information; (4) a statement under penalty of perjury of good-faith belief that the removal was a mistake or misidentification; and (5) a statement that you consent to the jurisdiction of the Federal District Court for the judicial district of your address (or, if outside the United States, any judicial district in which the Services may be found) and that you will accept service from the complaining party or its agent. We may restore removed content if the original complainant does not file a court action within 10 business days of receiving your counter-notice.

14.3 Repeat Infringers. We terminate repeat infringers in appropriate circumstances and may limit access or remove content at our discretion whether or not infringement is repeated.

15. THIRD-PARTY CONTENT, SERVICES, LINKS, AND DATA PROVIDERS; APP STORES

15.1 Third-Party Content and Links. The Services may display or link to third-party sites, data (including real estate market data), code, or content. Some linked sites may be operated by Hutfin affiliates and some by third parties. Under no circumstances shall Hutfin be deemed associated with, or endorsing or sponsoring, third-party sites or their products. We have not necessarily reviewed their content, do not guarantee its accuracy or timeliness, and expressly disclaim responsibility for it. Different terms and privacy notices apply to linked sites; review them. Issues arising with third-party sites are solely between you and the third party, and you release us from liability arising from them.

15.2 Data Providers. The Product includes data sourced from various third-party providers, listed at https://hutfin.com/data-providers. We have not necessarily reviewed all such content, do not guarantee its accuracy, and disclaim responsibility for it.

15.3 Apple. For Services obtained via the Apple App Store: these Terms are between you and us, not Apple; Apple has no maintenance, support, or warranty obligations beyond refunding the purchase price (if any) on warranty failure; Apple is not responsible for product claims, legal-compliance claims, consumer-protection claims, or IP-infringement claims regarding the app; you represent you are not in an embargoed or terrorist-supporting country and not on any U.S. prohibited or restricted list; your usage must comply with the App Store Terms of Service; and Apple and its subsidiaries are third-party beneficiaries of these Terms as to the Apple-sourced app, with the right to enforce them.

15.4 Google Play. Use of Google Play is governed by your agreement with Google, including the Google Terms of Service and the Google Play Terms of Service; in conflicts between them, the Google Play Terms prevail as to Google Play.

15.5 Carriers; Devices. Mobile use may incur carrier data and messaging charges, which are your responsibility. We make no warranties about device compatibility.

16. API / DEVELOPER TERMS

If you access any Hutfin API: comply with these Terms and posted developer guidelines; attribute Hutfin where required; do not sell, rent, or lend API keys or commercialize API data without our written consent; do not exceed or circumvent rate limits or security; do not reverse engineer the API; remove or suppress API data promptly upon its removal or suspension from the Services; promptly report security issues to accountsecurity@hutfin.com; comply with data-protection, sanctions, export, and anti-boycott laws; and do not build tooling designed to circumvent KYC-gating, investor screening, geographic restrictions, or transfer restrictions.

17. BETA / EXPERIMENTAL FEATURES

Features identified as beta, pilot, preview, or pre-release are provided "as is," may be unstable or incomplete, may be changed or removed at any time, and carry no warranties or commitments. Newly released AI Features are treated as experimental until expressly designated generally available.

18. AI FEATURES (hutfin.ai AND ALL AI CAPABILITIES)

18.1 Scope. This Section governs your use of all AI Features, wherever offered, including at hutfin.ai. The AI-specific provisions of the Hutfin Privacy Policy (https://hutfin.com/privacy-policy) govern the privacy aspects of AI Features and are incorporated into these Terms.

18.2 License and Availability. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-sublicensable, non-transferable right to use the AI Features for your internal business or personal use. AI Features may rely on third-party model providers and infrastructure identified at https://hutfin.com/ai-subprocessors; we may add, change, substitute, throttle, impose usage limits or quotas on, suspend, or discontinue any AI Feature or underlying model at any time, with or without notice, without liability. Certain AI Features may be metered, capped, or offered only in paid tiers per the Fee Schedule at https://hutfin.com/fees.

18.3 Your Inputs. As between you and Hutfin, you retain your rights in your Inputs. You grant Hutfin a worldwide, non-exclusive, royalty-free license to use, host, reproduce, process, transmit, and display Inputs solely to: operate and provide the AI Features (including transmission to the model providers identified at https://hutfin.com/ai-subprocessors under contracts restricting their use); maintain safety, security, and legal compliance; provide support you request; and create deidentified or aggregated analytics. We do not use your Inputs or Outputs to train or fine-tune generative AI models, ours or any third party's, without your prior express opt-in consent, as further described in the Privacy Policy. You represent and warrant that you have all rights, consents, and lawful bases needed for your Inputs, that your Inputs comply with Sections 11.6 and 12, and that your Inputs do not include the categories prohibited by Section 12(r).

18.4 Outputs; Ownership. Subject to your compliance with these Terms and to the limitations in this Section, Hutfin assigns to you its right, title, and interest, if any, in Outputs generated for you, and you are responsible for them. This assignment does not extend to: (a) the AI Features, models, and systems themselves; (b) content owned by Hutfin or third parties that appears in Outputs (including Listing Content, Hutfin Information, and licensed data, which remain governed by their own terms); or (c) any warranty of ownership, originality, or non-infringement, which we expressly disclaim given how generative AI works. You acknowledge that Outputs are generated by statistical systems, that identical or similar Outputs may be generated for other users, that no exclusivity in any Output is promised, and that the intellectual-property status of AI-generated content is unsettled in many jurisdictions and may not be protectable.

18.6 No Advice; No Fiduciary; No Offer. Outputs do not constitute investment, financial, legal, tax, accounting, brokerage, appraisal, engineering, environmental, or other professional advice; are not an offer, solicitation, or recommendation to buy, sell, or lease any property or security; and create no advisory or fiduciary relationship. Section 4 applies fully to AI Features. Where an AI Feature surfaces information about a specific offering, the Offering Documents control over any Output.

18.7 Your Use of Outputs. You are solely responsible for your use, publication, and distribution of Outputs, including: ensuring accuracy and legality before publishing (for example, an AI-drafted listing description is your Listing when you post it, subject to Section 9); complying with fair-housing, fair-lending, advertising, securities, and consumer-protection laws; labeling AI-generated content where required by law or platform policy; and not representing Outputs as verified fact, professional advice, or human-created work where that is false or misleading. Outputs you submit back to the Services become Submitted Content under Section 11.

18.8 AI in Regulated Workflows. AI Features may assist, but do not replace, the regulated processes described in these Terms: KYC, accreditation, and eligibility outcomes with legal or similarly significant effects receive human review before final adverse action; AI fraud and integrity flags trigger investigation, not automatic conviction; and no AI Feature performs licensed brokerage, appraisal, or investment-adviser functions on your behalf.

18.9 Transparency. We disclose when you are interacting with an AI system rather than a human, and we label AI-generated or AI-assisted content where required by law and wherever practicable, consistent with the EU AI Act and comparable state and national rules. Do not remove such labels from Outputs where the label is required for their lawful use.

18.10 Feedback and Safety. Feedback you provide on AI Features (ratings, corrections, reports) is governed by Section 10.4. We may filter, refuse, or modify Inputs or decline to generate Outputs where necessary for safety, legal compliance, or protection of the Services or third parties, and we may suspend AI access for violations of Section 12 without affecting your other Platform access, or terminate per Section 25.

18.11 Third-Party Model Terms. Where a specific AI Feature requires flow-through terms from a third-party model provider, we will present those terms in the feature interface, and they apply in addition to these Terms for that feature.

18.12 API Use of AI. If you access AI Features through our API, Section 16 applies, plus: no resale of raw model access; no use of the API to build model-training datasets; rate limits are enforced; and attribution requirements may apply as posted in developer documentation.

18.13 Export and Sanctions. AI Features, models, and related software are subject to Section 21 export controls and may not be accessed from embargoed regions or by sanctioned persons.

19. ELECTRONIC COMMUNICATIONS; E-SIGN; ELECTRONIC DELIVERY OF TAX AND INVESTMENT DOCUMENTS

19.1 Consent. Because we operate online, you consent to transact electronically and to receive all documents, communications, notices, contracts, agreements, and disclosures, including subscription documents, account statements, confirmations, offering circulars, and IRS Forms (e.g., Forms 1099 and Schedules K-1, and corrections), electronically, via the Services or the verified email you provide. Electronic signatures and records have the same force as paper under E-SIGN and applicable UETA enactments.

19.2 Hardware and Software Requirements. You need internet access; a working email account; a supported current browser; and hardware and software capable of viewing, printing, and saving PDFs. If accessing via mobile, ensure you can print or save disclosures or use a device that can.

19.3 Paper Copies; Withdrawal of Consent. You may request paper copies of required disclosures by writing to our postal address; a reasonable per-document fee (up to $5.00) may apply where permitted. Requesting paper does not withdraw e-delivery consent. You may not withdraw consent to electronic transactions while you hold outstanding investments made through the Services, except that you may withdraw consent to e-delivery of IRS Forms as described in your subscription documents; if you hold no outstanding investments and withdraw consent, we will close your registered account. Electronically delivered IRS Forms remain accessible at least twelve months after the relevant tax year ends or six months after issuance, whichever is later.

19.4 Keep Your Contact Info Current. You agree to keep your email, mailing address, and phone number current in account settings so disclosures reach you.

20. PRIVACY; COOKIES; RECORDS

Your use is subject to the Privacy Policy (https://hutfin.com/privacy-policy), which is a single unified policy covering the Platform and all AI Features, and the Cookie Policy (https://hutfin.com/cookie-policy), each incorporated into these Terms, including cross-border transfer terms. We maintain business records consistent with law and our retention policies, including securities and AML recordkeeping obligations that may survive account deletion. We take care to protect personal information, but the Internet is not a fully secure medium, and to the maximum extent permitted by law we are not responsible for damages resulting from loss of confidentiality of information transmitted over the Internet. As part of fraud, safety, and compliance efforts, we may review and analyze user communications and content as described in the Privacy Policy; we do not sell message contents. You grant us the right to identify your name or company name as a user of the Services as described in Section 24.

21. EXPORT CONTROLS; SANCTIONS; LOCAL LAW

The Services are controlled and operated by Hutfin from the United States. We make no representation that the Product is appropriate or available for use in all locations, and access from countries where its contents are illegal is prohibited. If the Product or your use of it is contrary to the laws of your location, or if Hutfin is not licensed as required in your locale, the Product is not intended for you and you should not use it. You are responsible for knowing and complying with the laws of your jurisdiction. You must comply with U.S. and international export controls and sanctions (including OFAC and BIS). No portion of the Product may be exported or re-exported in violation of applicable sanctions or export control laws, into any embargoed country or region, or to anyone on the OFAC Specially Designated Nationals list or the Commerce Department's Table of Denial Orders.

22. CONFIDENTIALITY

Each party may receive the other's Confidential Information, meaning anything reasonably understood to be confidential given its nature and the circumstances, including Order Forms and non-public business, product, technology, and marketing information. Confidential Information excludes information that is or becomes public without breach; was known before disclosure; is received from a third party without breach; is User Content submitted for public display (such as a public Listing); or is independently developed. The receiving party will protect it with at least reasonable care, use it only for purposes of the relationship, and limit access to those with a need to know, including professional advisors bound to confidentiality obligations at least as protective. Compelled disclosures are permitted with prior notice where legally allowed and reasonable cooperation at the discloser's expense. Hutfin may use Personal Data per the Privacy Policy.

23. AUDITING AND MONITORING

We reserve the right to audit and monitor (manually or through automated means) use of the Services to ensure compliance with these Terms, to screen, block, filter, edit, or remove content, and to maintain and improve the Services. You consent and agree that we may access, preserve, and disclose information about your use of the Services, including your communications and Submitted Content, if required by law or in a good-faith belief that such access, preservation, or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce these Terms; (c) respond to claims that content violates third-party rights; (d) respond to your customer-service requests; or (e) protect the rights, property, or personal safety of Hutfin, our users, and the public.

24. PUBLICITY

Neither party may publicly use the other's name, logo, or trademarks without prior written consent, except that we may identify you (name and logo) as a user of the Services on our website and marketing materials, and may use User Content to provide the Services, in each case revocably at your written request. Goodwill from any trademark use inures to the mark's owner. You may not use or reproduce any Hutfin trademark, service mark, or trade name without our written consent.

25. TERMINATION; SUSPENSION; PLATFORM CHANGES

25.1 By Us. We may interrupt, modify, suspend, discontinue, or block access to the Services or any part (including APIs) at any time, with or without notice, including upon our determination that you have violated these Terms or any other agreement between the parties or their affiliates. We may suspend or terminate your account immediately for suspected violations, fraud risk, legal or regulatory obligation, or risk to the Services or other users; for paid memberships terminated by us without cause, we will provide at least thirty (30) days' notice. If any paid portion of the Services is discontinued, you are only responsible for fees for portions that continue, and we will refund prepaid fees allocable to the discontinued portion after the discontinuance date.

25.2 By You. You may stop using the Services at any time and may terminate a free membership at any time. Paid membership cancellation follows Section 8.

25.3 For Cause. Either party may terminate for material breach uncured within thirty (30) days of written notice.

25.4 Effect. On termination by you for our uncured material breach, we will refund prepaid fees covering the remainder of the then-current Membership Period. Otherwise no refunds except as required by law or our posted policy. Termination does not relieve accrued payment obligations. Upon any termination, you shall cease using the Product and, within 10 days, permanently delete or destroy all elements of the Product within your control (other than your own User Content), and on request certify compliance in writing. You will also delete Confidential Information obtained through the Services.

25.5 Enforcement Costs; Injunctive Relief; Reciprocal Preclusion. Breach of these Terms may cause irreparable harm for which damages are inadequate, and we are entitled to injunctive relief in addition to all other remedies. If we retain a third party to obtain a remedy we are entitled to, we may recover all costs, including reasonable attorneys' fees and collection agency commissions. Any person or entity that violates these Terms is precluded from enforcing, agrees not to enforce, and covenants not to sue to enforce, any similar terms of use or terms of service asserted by that person or its affiliates as binding on any Hutfin Party.

25.6 Investments Survive. Account suspension or termination does not extinguish any Fractional Interest you hold in an Issuing Entity, which remains governed by the Offering Documents; it may, however, restrict your access to Platform tools (dashboards, distribution reporting) until resolved. Records required by securities and AML law are retained per the Privacy Policy.

25.7 Survival. Provisions that by nature should survive do survive, including licenses to Usage Data, Derivative Data, and Feedback, User Content licenses to the extent stated, payment obligations, restrictions on use of the Product, disclaimers, limitations of liability, indemnities, waivers and releases, confidentiality, arbitration, and governing law.

26. DISCLAIMERS; ASSUMPTION OF RISK

27. LIMITATION OF LIABILITY

28. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Hutfin Parties from and against any third-party action, suit, claim, or demand and any associated losses, liabilities, damages, judgments, awards, fines, penalties, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your access to or use or misuse of the Services, including AI Features and any Fractional Interest activity; (b) your User Content, Listings, Submitted Content, or Inputs, including any claim that they infringe or misappropriate third-party rights or violate law; (c) your use, reliance on, publication, or distribution of Outputs, including any claim arising from AI-drafted listings, marketing content, valuations, or communications you disseminate; (d) your violation of these Terms, the Offering Documents, or any law, including securities, fair-housing, advertising, anti-spam, and privacy laws; (e) any misrepresentation of your accredited-investor or eligibility status or violation of transfer restrictions; (f) any other party's access to or use of the Services with your credentials or account; (g) your Commercial Messages; and (h) any dispute between you and any third party, including buyers, sellers, lessors, lessees, brokers, lenders, investors, or other users. You will cooperate as reasonably required in the defense of any claim. We reserve the right, at your expense, to assume exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate with our defense; you may not settle any such claim without our prior written consent. If this indemnity is unavailable for any reason, you agree to contribute to the losses to the maximum extent permitted by law. Your indemnification obligations survive termination.

29. DISPUTE RESOLUTION; ARBITRATION; CLASS ACTION WAIVER

29.1 Informal Resolution First. Before filing a claim, email support@hutfin.com with "Dispute Notice" in the subject, describing the claim and relief sought (or send written notice to our postal address by certified mail). The parties will attempt in good faith to resolve informally for sixty (60) days. Settlement offers are not disclosed to the arbitrator until after any award amount is determined.

29.2 Binding Arbitration. Except for (i) qualifying small-claims actions, (ii) claims for injunctive or equitable relief to protect data security or intellectual property, and (iii) matters non-arbitrable by law, any dispute, claim, or controversy arising out of or relating to these Terms, the Services, advertising, or any aspect of our relationship, including claims predating this Agreement, claims after termination, and disputes over arbitrability, will be resolved by final, binding, individual arbitration administered by JAMS (Optional Expedited Arbitration Procedures) or AAA (Consumer Arbitration Rules), before a single arbitrator. The Federal Arbitration Act governs this Section. Seat: Delaware, USA, or your county of residence where required for individual consumers; hearings for consumer claims of $10,000 or less may proceed on documents, by phone, or in person per the administrator's rules. The arbitrator must follow these Terms as a court would and issue a reasoned written decision; the award is enforceable in any court of competent jurisdiction.

29.3 Fees. For individual non-commercial users: if the relief sought is $75,000 or less, at your request Hutfin will pay all filing, administration, and arbitrator fees; if more, and you demonstrate inability to pay or the arbitrator determines fees would be prohibitive versus litigation, Hutfin will pay the portion the arbitrator deems necessary. Commercial users bear fees per administrator rules. Attorneys' fees are governed by administrator rules and applicable law.

29.5 Opt-Out. You may opt out of this arbitration agreement by written notice to support@hutfin.com (or our postal address) within thirty (30) days of first accepting these Terms, including your name, address, account email, and a clear opt-out statement.

29.6 Changes to This Section. If we materially change this Section 29 while you are a user, you may reject the change by written notice within thirty (30) days, in which case the prior version applies between us.

29.7 Confidentiality of Arbitration. Arbitration proceedings and awards are confidential to the extent permitted by law.

29.8 Securities-Law Non-Waiver. By agreeing to arbitrate, you do not waive Hutfin's obligation to comply with the federal securities laws, and nothing herein waives rights that are non-waivable under those laws. Disputes arising specifically under a Fractional Interest's Offering Documents are additionally governed by the dispute provisions there, which control for those disputes.

29.9 International Consumers. If you reside outside the U.S., mandatory local consumer-protection law may entitle you to bring claims in your home courts and under your local law; nothing here limits non-waivable statutory rights, including EU and UK consumer rights to sue at home.

29.10 Time Limit. To the extent permitted by applicable law and except where a longer period is non-waivable, any claim must be filed within one (1) year after it accrues or is forever barred. This limit does not apply to claims under non-waivable securities-law provisions.

30. GOVERNING LAW; VENUE

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflicts principles and excluding the UN Convention on Contracts for the International Sale of Goods, except where mandatory local law applies to consumers. Subject to Section 29, exclusive venue for court proceedings against Hutfin (including arbitration appeals or if arbitration is held unenforceable) lies in the state and federal courts located in Delaware; for actions brought against you, you also consent to the jurisdiction of the federal and state courts located where you are located. Each party consents to such jurisdiction and venue and waives jury trial. In enforcement actions, the prevailing party may recover reasonable costs and attorneys' fees where permitted by law.

31. COUNTRY AND REGION-SPECIFIC TERMS

We aim to comply globally. Where local, non-waivable consumer protections apply, these Terms are modified to the minimum extent necessary to comply, and invalid provisions do not affect the remainder.

• (a) EU/UK/EEA/Switzerland. You may benefit from mandatory rights, including withdrawal or cooling-off for certain distance contracts, statutory conformity remedies, and GDPR/UK GDPR rights described in the Privacy Policy. Nothing limits your right to bring claims in your home courts where non-waivable, and nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud, or for any liability that cannot be limited or excluded by law. Hutfin is not authorised by the UK Financial Conduct Authority. Investment features are not offered in the EU or UK unless and until the applicable offering complies with local law (including the EU Prospectus Regulation, ECSPR crowdfunding rules, or national private-placement regimes). Where Hutfin processes personal data on your behalf (for example, if you send emails to your contacts through the Services), the data processing terms referenced in the Privacy Policy apply.
• (b) EU Recommender Systems Disclosure. We use ranking and recommender systems to present relevant search results. Factors affecting ranking include: Listing tier (promoted Listings may sort higher than Basic Listings, and higher promoted tiers higher than lower tiers); the price paid by the advertiser; property attributes such as rating or size; the quantity and quality of information in the Listing (for example, Listings with photos or displayed addresses may sort higher); recency of the Listing; and the user's location and search parameters, which have the largest impact. You can influence rankings at any time using filters (location, property type, size, and similar) and sorting tools available in the interface.
• (c) Canada. Provincial statutory warranties and consumer remedies may apply; investment features require compliance with provincial securities law before availability.
• (d) UAE/DIFC/GCC. Investment features are unavailable to UAE residents unless conducted in compliance with applicable regimes (e.g., DFSA, SCA); marketing materials are directed only at persons lawfully permitted to receive them.
• (e) Singapore. PDPA rights are addressed in the Privacy Policy; investment features require compliance with the applicable MAS regime before availability.
• (f) India, China, Japan, Australia/NZ, Brazil, South Africa. Data rights per the Privacy Policy; investment features unavailable absent local-law compliance.
• (g) United States - State Notices. California users may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834. State privacy rights are detailed in the Privacy Policy's state annex. Auto-renewal disclosures per Section 8 satisfy California, New York, Colorado, Connecticut, District of Columbia, and comparable statutes.

32. NOTICES

We may provide notices via the Services, by email to your registered address, or by posting on our site; notices are deemed given the business day after email transmission or the same day when provided through the Services or posted. Formal legal notices to us must be in writing and delivered by registered or certified mail (return receipt requested where available) or well-recognized overnight courier to: Hutfin Global Technologies, Inc., Attn: Legal, 1720 Stratton Dr, Virginia Beach, VA 23456, USA, with a copy by email to support@hutfin.com. Keep your contact details current; you bear the risk of notices sent to stale addresses you failed to update.

33. FORCE MAJEURE; BUSINESS CONTINUITY

Neither party is liable for delay or failure caused by events beyond its reasonable control, including acts of God or government, public enemy, labor disputes, shortages, riots, fire, other casualty, war, terrorism, epidemics and pandemics, sanctions changes, utility or hosting failures, failure of any link or connection, denial-of-service attacks, and cyber incidents. Where investment features are affected by a prolonged disruption, we will implement reasonable business-continuity measures, maintain critical functions, protect data, and communicate with affected investors; if we must permanently cease investment operations, wind-down mechanics for outstanding investments follow the applicable Offering Documents and law, including investor votes where provided.

34. MISCELLANEOUS

Entire Agreement: These Terms, the Privacy Policy, the Cookie Policy, the pages incorporated by reference, any Order Forms or Advertising Agreements, applicable Offering Documents, and documents incorporated by reference are the entire agreement and supersede prior oral or written statements on the subject matter; no terms in your purchase orders, vendor onboarding portals, or similar documents apply, and any such terms are null and void. Assignment: You may not assign, sublicense, or otherwise transfer these Terms or any right to use the Product, in whole or in part, by operation of law or otherwise, without our prior written consent; any attempted assignment in violation is void. We may assign these Terms to an affiliate or in connection with a merger, acquisition, reorganization, or asset sale, or by operation of law. These Terms bind and benefit the parties and their successors, legal representatives, and permitted assigns. Relationship: The parties are independent contractors; no partnership, joint venture, agency, franchise, sales-representative, fiduciary, or employment relationship is created; there are no third-party beneficiaries except as expressly stated (Apple under Section 15.3; named payment and escrow partners under Section 7.3). Anti-Bribery: Each party acknowledges its responsibilities under applicable anti-bribery and anti-corruption legislation and represents that it has not offered, given, solicited, or accepted, and will not offer, give, solicit, or accept, any bribe intended to induce improper conduct. Waiver: No delay or failure to enforce is a waiver; waivers must be written and signed by an authorized representative of the waiving party. Severability: If any provision not of a fundamental nature is held invalid, illegal, or unenforceable, it shall be deemed replaced with an enforceable provision that retains its intent, and the remainder stays in effect. Headings are for reference only. Language: The English language version of these Terms is binding; translations are for convenience only. Records: A printed or electronic copy of these Terms and any notice is admissible to the same extent as original business records. Usernames and Handles: We may reclaim or reassign usernames, handles, or vanity URLs to protect our brand or prevent abuse. Enforcement Cooperation: You authorize us to take reasonable steps to verify compliance and to disclose information to law enforcement, government officials, or third parties as reasonably necessary to enforce these Terms or comply with legal process.

SHORT RISK DISCLOSURE (FRACTIONAL OWNERSHIP / AI)

Fractional ownership interests in real estate involve high risk: potential total loss of principal; illiquidity and transfer restrictions; regulatory uncertainty; market volatility; and legal restrictions on resale. Real estate itself carries market, tenant, environmental, and execution risk. AI Features can produce inaccurate, incomplete, or biased Outputs, may reproduce third-party material, and must be independently verified before any reliance, publication, or decision; Outputs are not professional advice, appraisals, or offering disclosures. You are solely responsible for understanding these risks and complying with applicable law. Consult independent legal, tax, and financial advisors before investing. Full disclosures: https://hutfin.com/investor-disclosures. AI privacy practices: https://hutfin.com/privacy-policy.

Questions about these Terms: support@hutfin.com or Hutfin Global Technologies, Inc., 1720 Stratton Dr, Virginia Beach, VA 23456, USA.