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Terms and Conditions

Effective Date: 6th June 2024
Last Updated: 6th June 2025

1. Introduction and Acceptance

Welcome to NewsGraf ("we," "our," "us," or "Company"), a decentralized and credible financial news platform powered by artificial intelligence. These Terms and Conditions ("Terms") govern your access to and use of our website (www.newsgraf.com), mobile applications, and related services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Services.

1.1 Company Information

Legal Entity: NewsGraf (subsidiary of Mend Martech Labs Ltd)
Parent Company: Mend Martech Labs Ltd
Registered Office: 50 Richmond St, Glasgow G1 1XU, United Kingdom
Companies House Registration Number: SC814906
Contact Email: admin@mendmmartech.com

1.2 Scope of Agreement

These Terms constitute a legally binding agreement between you and NewsGraf and supersede all prior agreements relating to your use of the Services.

2. Definitions

• "AI System" means artificial intelligence technologies used to provide personalized financial content and analysis
• "Content" means all information, data, text, software, music, sound, photographs, graphics, video, messages, and other materials
• "Financial Information" means market data, analysis, opinions, and related financial content provided through our Services
• "User" or "You" means any individual or entity using our Services
• "User Content" means content provided by users through our Services

3. Description of Services

3.1 Core Services

NewsGraf provides:

• AI-Powered Financial News: Personalized financial news content generated and curated by artificial intelligence
• Real-Time Market Analysis: Live financial market insights and trend analysis
• Content Personalization: Tailored news feeds based on user preferences and behaviour
• Multi-Reader Targeting: Specialized content for different investor types (day traders, pension fund managers, retail investors)
• API Access: Developer tools for integrating our financial news services

3.2 AI-Driven Features

Our Services utilise artificial intelligence to:

• Analyse financial markets and generate insights
• Personalise content based on user preferences
• Create automated news drafts and summaries
• Process and categorise financial information
• Provide predictive analytics and trend identification

3.3 Service Availability

We strive to maintain service availability but do not guarantee uninterrupted access. Services may be temporarily unavailable due to maintenance, updates, or technical issues.

4. User Accounts and Registration

4.1 Account Creation

To access certain features, you must:

• Provide accurate and complete registration information
• Maintain and update your account information
• Be at least 18 years old (or legal age in your jurisdiction)
• Comply with these Terms and applicable laws

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Immediately notifying us of any unauthorized use
• Using strong passwords and enabling two-factor authentication when available

4.3 Account Termination

We may suspend or terminate accounts that:

• Violate these Terms
• Engage in fraudulent or illegal activities
• Pose security risks to our Services or other users
• Remain inactive for extended periods

5. Acceptable Use Policy

5.1 Permitted Uses

You may use our Services to:

• Access and consume financial news and analysis
• Create personal portfolios and watchlists
• Share content in accordance with our sharing guidelines
• Use our API for legitimate business purposes (with proper licensing)

5.2 Prohibited Activities

You may not:

Content-Related:

• Copy, reproduce, or distribute our proprietary content without permission
• Use our content for competing financial news services
• Misrepresent the source of our AI-generated content
• Attempt to reverse-engineer our AI algorithms

Technical Violations:

• Access our Services through unauthorized means
• Attempt to circumvent security measures
• Overload our systems with excessive requests
• Use automated systems without prior written consent

Legal and Ethical:

• Use our Services for illegal activities
• Manipulate financial markets based on our content
• Provide false or misleading information
• Harass, threaten, or abuse other users

6. Financial Information and Investment Disclaimer

6.1 Not Financial Advice

IMPORTANT DISCLAIMER: Our Services provide financial news, analysis, and market information for informational purposes only. Nothing on our platform constitutes:

• Investment advice or recommendations
• Offers to buy or sell securities
• Professional financial advisory services
• Personalized investment guidance

6.2 AI-Generated Content Limitations

Our AI systems:

• Analyse historical data and patterns but cannot predict future performance
• May contain errors, biases, or incomplete information
• Should not be the sole basis for investment decisions
• Require human judgment for proper interpretation

6.3 Investment Risks

You acknowledge that:

• All investments carry inherent risks
• Past performance does not guarantee future results
• You should consult qualified financial advisors before making investment decisions
• Market conditions can change rapidly and unpredictably

6.4 Third-Party Financial Data

We source data from various financial data providers. We do not guarantee:

• Accuracy or completeness of third-party data
• Real-time availability of market information
• Uninterrupted data feeds from external sources

7. Intellectual Property Rights

7.1 Our Intellectual Property

NewsGraf owns or licenses:

• All software, algorithms, and AI models
• Our proprietary content and analysis
• Trademarks, logos, and brand elements
• Database rights and content compilation

7.2 User Content Rights

By submitting content to our Services, you:

• Retain ownership of your original content
• Grant us a worldwide, royalty-free license to use, modify, and display your content
• Represent that you have the right to grant such licenses
• Agree that we may use your content to improve our AI systems

7.3 Permitted Use of Our Content

You may:

• View and access content for personal use
• Share content using our designated sharing tools
• Quote brief excerpts with proper attribution
• Use content in compliance with fair use principles

7.4 Restrictions

You may not:

• Remove copyright notices or attributions
• Use our content in competing products
• Create derivative works without permission
• Circumvent content protection measures

8. Privacy and Data Protection

8.1 Privacy Policy

Your privacy is important to us. Our collection, use, and protection of personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference.

8.2 Data Protection Framework

Our data collection, use, and protection practices are governed by our Privacy Policy and comply with:

• UK General Data Protection Regulation (UK GDPR) for UK users
• EU General Data Protection Regulation (GDPR) for EU users
• Data Protection Act 2018 for UK operations
• Other applicable data protection laws

Our AI systems may process your data to:

• Personalise content recommendations
• Improve service quality
• Analyze usage patterns
• Enhance user experience

8.3 Data Subject Rights

Under applicable data protection laws (including UK GDPR and EU GDPR), you have rights regarding your personal data as detailed in our Privacy Policy.

8.4 International Data Transfers

For users in the EU, we ensure appropriate safeguards for data transfers from the EU to the UK through:

• UK Adequacy Decision (where applicable)
• Standard Contractual Clauses (SCCs)
• Other appropriate transfer mechanisms as required by law

9. Payment Terms and Subscriptions

9.1 Subscription Plans

We offer various subscription tiers with different features and pricing. Current plans and pricing are available on our website.

9.2 Payment Processing

• Payments are processed through secure third-party providers
• All fees are non-refundable unless otherwise specified
• Prices may change with 30 days' notice to subscribers
• Failed payments may result in service suspension

9.3 Refund Policy

Refunds may be provided:

• Within 30 days of initial subscription for first-time users
• For technical issues preventing service access
• At our discretion for exceptional circumstances

9.4 Automatic Renewal

Subscriptions automatically renew unless cancelled before the renewal date. You may cancel through your account settings or by contacting support.

10. AI Transparency and Explainability

10.1 AI System Disclosure

We use AI systems classified as "limited risk" under the EU AI Act. We disclose:

• When content is AI-generated or AI-assisted
• The general functioning of our recommendation algorithms
• How our personalization systems work
• The limitations and potential biases of our AI systems

10.2 Automated Decision-Making

Where we use automated decision-making that significantly affects you:

• You will be informed of such processing
• You may request human intervention
• You can express your point of view and contest decisions
• We will provide meaningful information about the logic involved

10.3 AI Model Updates

We continuously improve our AI models. We will:

• Notify users of significant changes to AI functionality
• Maintain reasonable stability in core features
• Provide migration assistance for API users when necessary

11. Liability and Disclaimers

11.1 Service Disclaimers

Our Services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, including:

• Accuracy or completeness of financial information
• Uninterrupted or error-free operation
• Freedom from viruses or harmful components
• Fitness for particular purposes

11.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Our total liability shall not exceed the amount paid by you in the 12 months preceding the claim
• We are not liable for indirect, incidental, special, or consequential damages
• We are not responsible for investment losses or financial decisions based on our content
• We are not liable for third-party content or services

11.3 AI-Specific Limitations

We specifically disclaim liability for:

• AI algorithm errors or biases
• Automated decision-making outcomes
• Content generation inaccuracies
• Model training data limitations

11.4 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

12. Indemnification

You agree to indemnify and hold harmless NewsGraf and its officers, directors, employees, and agents from claims arising from:

• Your use of the Services
• Your violation of these Terms
• Your violation of applicable laws
• Your User Content or activities

13. Termination

13.1 Termination by You

You may terminate your account at any time by:

• Using account closure features in your settings
• Contacting our customer support
• Following cancellation procedures for paid subscriptions

13.2 Termination by Us

We may terminate or suspend your access:

• Immediately for material breaches of these Terms
• With 30 days' notice for convenience
• Immediately for illegal activities or security threats
• Upon cessation of our Services

13.3 Effects of Termination

Upon termination:

• Your access to Services will cease
• We may delete your account data (subject to legal retention requirements)
• Outstanding payment obligations remain due
• Provisions surviving termination remain in effect

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms are governed by the laws of Scotland, without regard to conflict of law principles.

14.2 Jurisdiction

For users in the European Union:

• Consumer disputes may be brought in your country of residence
• We submit to the jurisdiction of EU courts for consumer disputes
• Business users may be required to litigate in Edinburgh, Scotland

For users in the United Kingdom:

• Disputes will be subject to the exclusive jurisdiction of the Scottish courts
• Business users may be required to litigate in Edinburgh, Scotland

For users in other jurisdictions:

• Disputes will be subject to the jurisdiction of the Scottish courts unless prohibited by local law

14.3 Alternative Dispute Resolution

We encourage resolution of disputes through:

• Direct communication with our support team
• Mediation services when appropriate
• Online dispute resolution platforms for EU consumers

14.4 Class Action Waiver

Where permitted by law, you agree to resolve disputes individually and waive rights to participate in class actions.

15. Compliance and Regulatory Matters

15.1 EU AI Act Compliance

Our AI systems comply with the EU AI Act by:

• Implementing appropriate risk management systems
• Ensuring human oversight of AI operations
• Maintaining transparency about AI use
• Conducting regular compliance assessments

15.2 Financial Regulations

We comply with applicable financial regulations but are not:

• A regulated investment advisor
• A financial services provider
• Subject to financial conduct authority oversight
• Providing regulated financial advice

15.3 Data Protection Compliance

We comply with:

• UK General Data Protection Regulation (UK GDPR) for UK users
• EU General Data Protection Regulation (GDPR) for EU users
• Data Protection Act 2018 for UK operations
• Other applicable data protection laws

15.4 Cross-Border Regulatory Compliance

As a UK-based company serving international users:

• We maintain compliance with both UK and EU data protection frameworks
• We implement appropriate safeguards for international data transfers
• We respect consumer protection laws in all jurisdictions where we operate
• We work with relevant supervisory authorities as required

16. International Use and Export Controls

16.1 Global Access and Local Compliance

Our Services may be accessed globally, but:

• Local laws may restrict use in some jurisdictions
• Content may vary by geographic location
• Some features may not be available in all regions
• Users are responsible for compliance with local laws

16.2 Post-Brexit Considerations

As a UK-based company:

• We comply with both UK and EU regulatory requirements where applicable
• Data transfers between UK and EU are governed by adequacy decisions and appropriate safeguards
• We maintain separate compliance frameworks for UK and EU users as required

16.3 Export Compliance

You agree to comply with all applicable export control laws and regulations.

17. Modifications to Terms

17.1 Right to Modify

We may update these Terms to reflect:

• Changes in our Services
• Legal or regulatory requirements
• Improved user protection measures

17.2 Notice of Changes

We will provide notice of material changes by:

• Email notification to registered users
• Prominent website notices
• In-app notifications
• At least 30 days before changes take effect

17.3 Acceptance of Changes

Continued use after the effective date constitutes acceptance of modified Terms. If you disagree with changes, you may terminate your account.

18. Accessibility and Inclusion

18.1 Accessibility Commitment

We strive to make our Services accessible to users with disabilities by:

• Following web accessibility guidelines
• Providing alternative content formats when possible
• Regularly testing for accessibility barriers

18.2 Feedback

We welcome feedback on accessibility improvements. Contact us at app@mendmartech.com.

19. Customer Support

19.1 Support Channels

We provide customer support through:

• Email support: app@mendmartech.com
• Online help centre and documentation
• In-app support features
• Community forums (coming soon)

19.2 Response Times

We aim to respond to support requests within:

• 24 hours for urgent issues
• 48 hours for general inquiries
• 5 business days for complex technical matters

20. Miscellaneous

20.1 Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force and effect.

20.2 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and NewsGraf regarding the Services.

20.3 Assignment

We may assign these Terms and our rights hereunder. You may not assign your rights without our written consent.

20.4 Waiver

Our failure to enforce any provision does not constitute a waiver of our right to enforce it later.

20.5 Relationship

These Terms do not create a partnership, joint venture, or employment relationship between you and NewsGraf.

21. Contact Information

For General Inquiries:
Email: admin@mendmartech.com
Phone: +44-7776669181 / +91-9877123807
Address: 50 Richmond St, Glasgow G1 1XU, United Kingdom

For Legal Matters:
Email: admin@mendmartech.com

For Technical Support:
Email: app@mendmartech.com

For Privacy/Data Protection:
Email: admin@mendmartech.com

Parent Company Information:
Mend Martech Labs Ltd
50 Richmond St, Glasgow G1 1XU, United Kingdom
Companies House Number: SC814906

These Terms and Conditions are effective as of 6th June 2025 and replace all previous versions.

By using NewsGraf's Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Last Updated: 6th June 2025

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