MetaKai Terms of Service

Effective date: July 30, 2026

These Terms of Service (“Terms”) are a binding agreement between you and MetaKai, Inc., a Delaware corporation (“MetaKai,” “we,” “us,” or “our”). They govern your access to and use of MetaKai’s websites, applications, research, data, alerts, analytics, artificial-intelligence features, and related products and services (collectively, the “Services”).

Please read these Terms carefully. By creating an account, purchasing a subscription, clicking to accept these Terms, or otherwise using the Services, you agree to these Terms. If you do not agree, do not use the Services.

Our Privacy Policy, Cookie Notice, and Financial and AI Disclaimer are incorporated into these Terms by reference.

1. Who may use the Services

Publicly accessible portions of the Services may be viewed by a general audience without creating an account.

To create an account, submit personal information through an account feature, or use an authenticated part of the Services, you must:

• be at least 13 years old;
• be at least the minimum age at which you may lawfully use an online service without parental authorization where you live;
• if you have not reached the age of legal majority where you live, use the Services only with permission from a parent or legal guardian who has reviewed these Terms;
• have the legal capacity, personally or through that parent or legal guardian, to agree to these Terms;
• not be prohibited from using the Services under applicable law; and
• if you use the Services for an organization, have authority to bind that organization, in which case “you” includes the organization.

MetaKai does not currently offer parent-managed accounts for children below the applicable minimum account age unless a feature expressly says otherwise. Account features are not directed to children below that age.

2. Your account

Some features require an account. You agree to provide accurate, current information and to keep it updated. You are responsible for activity under your account and for protecting your credentials and devices.

You may be able to sign in through a third-party identity provider, such as Google or X. Your use of that provider is also governed by its terms and privacy policy. You authorize us and our authentication provider to receive the account information that you permit the identity provider to share.

Do not share your account, allow unauthorized access, or attempt to transfer it without our written permission. Notify us promptly at support@metakai.ai if you believe your account has been compromised.

3. Free and paid plans

MetaKai may offer free Services, paid subscriptions, trials, promotional access, or a combination of these.

Paid subscriptions

The price, billing interval, included features, trial terms, and any usage limits will be shown before you subscribe. Unless the checkout page expressly says otherwise, a paid subscription automatically renews for successive periods of the same length until canceled.

To purchase a paid subscription, you must have reached the age required to enter the purchase agreement where you live, or a parent or legal guardian with that capacity must complete or expressly authorize the purchase for you.

By starting or authorizing a paid subscription, you represent that you have permission to use the payment method and authorize MetaKai and its payment processor to charge it for recurring subscription fees, applicable taxes, and other charges disclosed at checkout. Payment-card information may be collected and processed directly by the payment processor rather than MetaKai.

You may cancel a subscription through the account or billing settings made available in the Services or by contacting support@metakai.ai. To avoid the next renewal charge, cancel before the renewal date. Unless we state otherwise at checkout or applicable law requires otherwise:

• cancellation takes effect at the end of the current paid period;
• you retain paid access until that period ends; and
• fees already paid are nonrefundable and we do not provide prorated refunds or credits.

Nothing in this section limits a cancellation, cooling-off, or refund right that cannot lawfully be waived where you live.

Trials and promotions

Trial and promotional terms will be disclosed when offered. If a trial converts to a paid subscription, we will disclose the price and renewal terms before obtaining your payment authorization. We may limit eligibility for trials or promotions and may revoke access obtained through abuse or misrepresentation.

Price changes and taxes

We may change subscription prices. For an existing subscription, we will give reasonable advance notice, normally at least 30 days, and the new price will apply no earlier than your next renewal after that notice. You may cancel before the new price takes effect.

Fees do not include taxes unless stated otherwise. You are responsible for applicable taxes, except taxes based on MetaKai’s income.

4. License and permitted use

Subject to these Terms and any plan limits, MetaKai grants you a limited, personal, revocable, non-exclusive, non-transferable, and non-sublicensable right to access and use the Services for your own lawful investment research, analysis, and decision support.

This license does not transfer ownership of the Services or any content, data, software, model, design, compilation, trademark, or other intellectual property.

If MetaKai provides downloadable software, documentation, an application programming interface, or additional product-specific terms, your use may also be governed by the terms presented with that item. If those terms conflict with these Terms, the more specific terms control for that item.

5. Your content and settings

You may submit or create watchlists, notes, preferences, prompts, feedback, or other material through the Services (“User Content”). You retain your ownership rights in User Content.

You grant MetaKai a worldwide, non-exclusive, royalty-free license to host, store, reproduce, format, transmit, and otherwise process User Content only as reasonably necessary to:

• provide, secure, maintain, and improve the Services;
• carry out your instructions;
• enforce these Terms; and
• comply with law.

This license ends when the relevant User Content is deleted from our active systems, except to the extent it remains in routine backups, must be retained for legal or security reasons, or has been de-identified so that it no longer identifies you.

You represent that you have the rights needed to submit User Content and that it does not violate law or another person’s rights. Do not submit brokerage credentials, account numbers, government identifiers, health information, biometric information, or other sensitive personal information unless a feature expressly requests it and explains how it will be handled.

6. Acceptable use

You may not:

• use the Services for an unlawful, fraudulent, deceptive, manipulative, abusive, or harmful purpose;
• violate securities, market-manipulation, sanctions, export-control, privacy, intellectual-property, or other applicable laws;
• use the Services to trade on material nonpublic information or to facilitate insider trading, wash trading, spoofing, pump-and-dump activity, or other market abuse;
• misrepresent MetaKai output as guaranteed, verified, or endorsed by an issuer, regulator, exchange, or data provider;
• copy, scrape, crawl, harvest, republish, sell, sublicense, or commercially exploit the Services or their content except as expressly permitted in writing;
• use automated means to access the Services in a manner that exceeds documented interfaces or reasonable human usage;
• reverse engineer, decompile, extract models or datasets, discover source code, or bypass technical restrictions, except to the limited extent applicable law prohibits this restriction;
• interfere with the security, integrity, availability, or operation of the Services;
• probe for vulnerabilities without our written authorization;
• upload malware or harmful code;
• impersonate another person, create accounts through bots or false identities, or circumvent account, plan, geographic, or usage restrictions;
• use the Services or their outputs to develop or train a competing model, dataset, or product without our written permission; or
• help another person do any of the above.

We may investigate suspected violations and may remove content, restrict features, suspend access, or terminate accounts when reasonably necessary to protect MetaKai, our users, third parties, or the integrity of financial markets.

7. Investment research, personalization, and AI

Information and decision support—not a fiduciary relationship

The Services provide research, data organization, analytical tools, and decision-support information. Unless MetaKai enters into a separate written agreement with you that expressly says otherwise, MetaKai does not undertake to act as your investment adviser, broker-dealer, commodity trading adviser, financial planner, fiduciary, tax adviser, legal adviser, or accounting adviser.

MetaKai does not execute trades, hold customer assets, monitor your complete financial circumstances, or make a suitability determination for you.

Personalized features

Some features may rank, filter, summarize, or surface information based on your watchlists, preferences, activity, prompts, or other inputs. Personalization does not mean that MetaKai has assessed your complete portfolio, objectives, financial condition, tax position, risk tolerance, liquidity needs, or investment horizon.

You must independently decide whether any security, strategy, or action is suitable for you. If you need advice that accounts for your individual circumstances, consult a properly licensed professional.

AI and algorithmic output

The Services may use artificial intelligence, machine learning, rules-based systems, or other algorithms. Their outputs may be incomplete, inaccurate, outdated, biased, inconsistent, or fabricated. Similar inputs may produce different results. AI-generated or estimated content will not necessarily reflect MetaKai’s views and should not be treated as a verified fact merely because it appears confident or specific.

Review the underlying sources, dates, assumptions, calculations, and limitations before acting. You are responsible for decisions made using the Services.

Investment risk

Investing involves risk, including possible loss of principal. Securities can be volatile or illiquid. Historical performance, simulations, backtests, targets, forecasts, analyst estimates, AI outputs, and hypothetical results do not guarantee future performance. Market conditions can change before data or analysis is updated.

The Services are not an offer to sell, a solicitation to buy, or a recommendation or endorsement of any security, digital asset, derivative, strategy, issuer, or transaction. Additional disclosures appear in our Financial and AI Disclaimer.

8. Market data, sources, and third-party content

The Services may include data, filings, news, research, links, or other material from exchanges, issuers, regulators, market-data vendors, news organizations, or other third parties. That material may be delayed, incomplete, corrected, revised, restricted, or unavailable. Timestamps may reflect when MetaKai or a provider received data rather than when an event occurred.

Third-party content belongs to its respective owners and may be subject to additional terms. You may use it only as permitted by the Services and applicable licenses. MetaKai does not control and is not responsible for third-party websites, products, services, content, availability, security, or privacy practices.

Where the Services identify a source, the citation is provided to support review; it does not imply that the source endorses MetaKai or that MetaKai endorses every statement in the source.

9. Intellectual property and feedback

MetaKai and its licensors own the Services and all related intellectual property, including software, designs, interfaces, compilations, taxonomies, models, prompts, research formats, trademarks, and MetaKai-created content, excluding User Content and identified third-party content.

“MetaKai,” our logos, and related marks may not be used without our written permission.

If you send suggestions, ideas, or feedback, you grant MetaKai a perpetual, irrevocable, worldwide, royalty-free right to use and commercialize them without restriction or compensation. This does not give us ownership of personal information contained in feedback, which remains governed by the Privacy Policy.

10. Service changes and availability

The Services evolve. We may add, modify, suspend, limit, or discontinue features, datasets, providers, plans, or the Services as a whole. We do not promise that any particular feature, security, issuer, dataset, model, or provider will remain available.

We aim to provide reasonable notice if a material discontinuation would significantly reduce a paid plan during its current term. We may make immediate changes for legal, security, provider, or operational reasons.

The Services may experience delays, outages, errors, maintenance, or data loss. You are responsible for maintaining copies of User Content you need and for having independent methods to monitor positions, orders, risk, and market events.

11. Suspension and termination

You may stop using the Services at any time. You may request account deletion through available account controls or by contacting support@metakai.ai.

We may suspend or terminate access if:

• you materially or repeatedly violate these Terms;
• your use creates security, legal, financial, or operational risk;
• payment is overdue;
• we are required to do so by law or a service provider; or
• we discontinue the relevant Services.

When practical, we will give notice and a reasonable opportunity to cure a remediable violation. We may act immediately where delay could cause harm, facilitate unlawful conduct, compromise security, or violate a legal obligation.

Upon termination, your license ends and you must stop using the Services. Provisions that by their nature should survive will survive, including those concerning ownership, fees owed, disclaimers, limitations of liability, disputes, and miscellaneous terms.

12. Disclaimers

To the fullest extent permitted by law, the Services are provided “as is” and “as available.” MetaKai and its affiliates, officers, directors, employees, contractors, licensors, and service providers disclaim all warranties, express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, timeliness, availability, security, and uninterrupted or error-free operation.

We do not warrant that:

• data, research, calculations, alerts, personalization, or AI output will be accurate, complete, current, or suitable for your needs;
• the Services will identify every relevant event, risk, opportunity, conflict, error, or source;
• an alert will arrive before a market event or at all;
• any investment, forecast, strategy, or outcome will be profitable or successful; or
• defects or data loss will always be corrected.

Some jurisdictions do not allow certain warranty exclusions. In those jurisdictions, these exclusions apply only to the maximum extent permitted by law.

13. Limitation of liability

To the fullest extent permitted by law, MetaKai and its affiliates, officers, directors, employees, contractors, licensors, and service providers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages; lost profits, revenue, savings, opportunity, goodwill, or data; trading or investment losses; substitute-service costs; or business interruption, arising from or related to the Services or these Terms, even if advised that such damages were possible.

To the fullest extent permitted by law, the total aggregate liability of MetaKai and the other MetaKai parties for all claims arising from or related to the Services or these Terms will not exceed the greater of:

1. US $100; or
2. the amount you paid MetaKai for the Services during the 12 months immediately before the event giving rise to the claim.

These limitations apply regardless of the legal theory and even if a remedy fails of its essential purpose. They do not limit liability that cannot lawfully be limited, such as liability for fraud, willful misconduct, or personal injury caused by negligence where applicable law prohibits limitation.

14. Business-user indemnity

If you use the Services on behalf of a business or other organization, that organization will defend, indemnify, and hold harmless MetaKai and its affiliates, officers, directors, employees, and contractors from third-party claims, damages, losses, liabilities, and reasonable legal fees arising from:

• its User Content;
• its unlawful or unauthorized use of the Services;
• its violation of these Terms; or
• its violation of another person’s rights.

This section does not apply to an individual consumer to the extent applicable consumer law prohibits it.

15. Dispute resolution; Texas law

Informal resolution first

Before filing a lawsuit, you and MetaKai agree to try in good faith to resolve the dispute informally for 30 days. A notice must describe the dispute, relevant account email, supporting facts, and requested resolution.

Send notices to support@metakai.ai with the subject line “Notice of Dispute.” MetaKai may send a notice to the email associated with your account. This requirement does not prevent either party from seeking urgent injunctive relief, preserving a claim before a limitations period expires, or bringing an eligible claim in small-claims court.

Governing law and courts

These Terms and disputes arising from or related to them or the Services are governed by the laws of the State of Texas, without regard to conflict-of-law rules.

Subject to the informal-resolution requirement above, the state courts located in Travis County, Texas, and the United States federal courts with jurisdiction over Travis County, Texas, will have exclusive jurisdiction. You and MetaKai consent to personal jurisdiction and venue in those courts.

If you are a consumer, this section does not deprive you of protections or access to courts that the law of your residence does not allow you to waive. An eligible small-claims action may be brought in any court of competent jurisdiction.

These Terms do not require arbitration and do not waive either party’s right to a jury trial where that right applies.

16. International use; sanctions and export controls

MetaKai is based in the United States. You are responsible for complying with laws that apply to you, including securities, financial-services, sanctions, export-control, and data laws.

You may not use the Services if you are a person or entity with whom U.S. law prohibits MetaKai from transacting, or for the benefit of such a person or entity. You may not export, re-export, transfer, or use the Services in violation of U.S. export controls or sanctions.

Availability of the Services in a country does not mean that MetaKai has represented that every feature is lawful, licensed, or appropriate there. We may restrict access where necessary to comply with law, provider obligations, or risk controls.

17. Changes to these Terms

We may update these Terms as the Services or law changes. We will post the revised Terms and update the effective date. If a change materially reduces your rights or materially increases your obligations, we will provide reasonable advance notice through the Services, by email, or by another appropriate method, except when an immediate change is required for legal or security reasons.

If you do not agree to revised Terms, you must stop using the Services and cancel any subscription before the revised Terms take effect. Continued use after the effective date constitutes acceptance where permitted by law.

18. Electronic communications

You agree that MetaKai may send account, transaction, security, legal, and service communications electronically, including by email or through the Services. You may opt out of promotional email, but not essential service communications.

Electronic notices satisfy legal requirements that communications be in writing to the extent permitted by law.

19. Miscellaneous

These Terms and the policies incorporated by reference are the entire agreement between you and MetaKai concerning the Services, unless you and MetaKai sign a separate agreement.

If a provision is unenforceable, it will be modified only as much as necessary to make it enforceable, and the remaining provisions will remain in effect. Failure to enforce a provision is not a waiver. Headings are for convenience only.

You may not assign these Terms without our written consent. MetaKai may assign them in connection with a merger, acquisition, financing, corporate reorganization, sale of assets, or by operation of law.

MetaKai is not liable for delay or failure caused by events beyond its reasonable control.

20. Contact

MetaKai, Inc.
3723 Greenville Avenue, Suite 31460
Dallas, Texas 75206
United States
support@metakai.ai