End User License Agreement

1. Definitions

• "Software" — Ignyq™ (Personal Finance & Portfolio Management Software), including all associated files, documentation, updates, and derivative works.
• "Developer" — Ignyq Inc., a Delaware corporation doing business in Texas.
• "User" / "You" — the individual or entity using the Software.
• "Documentation" — any manuals, guides, or other materials provided with the Software.
• "Device" — a single physical or virtual computing environment (desktop, laptop, virtual machine, or dual-boot OS instance). Each OS instance counts as a separate Device.
• "Commercial Use" — any use intended for or resulting in monetary compensation, financial gain, or use on behalf of an organization, business, or paying client.
• "Non-Commercial Use" — personal, educational, or research use by an individual not acting on behalf of a commercial enterprise.

2. License Grant

Subject to compliance with all terms of this Agreement, the Developer grants You a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to:

• Install and use the Software for Non-Commercial Use only
• Install and use the Software on no more than two (2) Devices you personally own or control
• Make one (1) backup copy for archival purposes only

This license does not grant any rights to the source code, algorithms, or internal workings of the Software.

2.1 License Enforcement

The Software may include license keys, activation mechanisms, or online verification. You agree not to circumvent, disable, or bypass any such mechanisms.

2.2 No Transfer or Sharing

You may not transfer, assign, rent, lease, lend, sublicense, resell, or share the Software, installers, or any license credentials with any other person or entity. Commercial Use is strictly prohibited without a separate written commercial license from the Developer.

3. Restrictions

You may not:

• Reverse engineer, decompile, disassemble, or attempt to derive the source code
• Modify, adapt, translate, or create derivative works
• Remove, alter, or obscure any copyright, trademark, or proprietary notices
• Rent, lease, lend, sell, redistribute, or sublicense the Software
• Use the Software to develop competing products
• Install the Software on more than two (2) Devices simultaneously
• Share the Software with third parties or make it publicly available
• Use the Software for Commercial Use without a commercial license
• Circumvent any copy protection or license validation mechanisms
• Use the Software in violation of any applicable laws or regulations

4. Intellectual Property

4.1 Ownership

The Software, including all code, algorithms, documentation, designs, and user interfaces, is owned exclusively by Ignyq Inc. and is protected by U.S. copyright law, international copyright treaties (Berne Convention, WIPO), trade secret law, and U.S. trademark law.

4.2 Trademark

Ignyq™ is a trademark of Ignyq Inc., with registration pending with the United States Patent and Trademark Office.

• USPTO Application No. 99619091
• International Class 009 — Computer Software

Unauthorized use of the Ignyq™ mark is strictly prohibited and constitutes common law trademark infringement and unfair competition. Remedies may include:

• Injunctive relief (immediate cease and desist)
• Monetary damages, including actual damages and infringer's profits
• Statutory damages up to $200,000 per infringement
• Treble damages for willful infringement
• Attorney's fees and costs
• Criminal penalties for counterfeiting

4.3 Copyright

Copyright © 2026 Ignyq Inc. All Rights Reserved. Unauthorized reproduction, distribution, or public display is prohibited under 17 U.S.C. § 506.

4.4 No Rights Granted

This Agreement does not grant you any rights to the source code, patents, trademark use beyond operating the Software, or the right to create derivative works.

5. Term and Termination

5.1 Term

This Agreement is effective from the date you first install or use the Software and continues until terminated.

5.2 Termination by You

You may terminate at any time by uninstalling the Software from all Devices, destroying all copies, and ceasing all use.

5.3 Termination by Developer

The Developer may terminate immediately if you breach any term of this Agreement, use the Software for unauthorized Commercial Use, reverse engineer or distribute the Software, or exceed the two (2) Device limit.

5.4 Effect of Termination

Your license rights immediately cease. You must uninstall the Software from all Devices and destroy all copies. Sections 4, 6, 7, 8, 9, 10, 11, 12, 13, and 14 survive termination.

6. Proprietary Restrictions

The Software is licensed, not sold. The Developer retains all right, title, and interest in and to the Software, including all intellectual property rights. The Software contains proprietary information and trade secrets that derive independent economic value from not being generally known.

7. Disclaimer of Warranties

THE SOFTWARE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR FREEDOM FROM ERRORS OR VIRUSES.

The Developer does not warrant that the Software will be error-free or uninterrupted, defects will be corrected, results will be reliable or complete, or that the Software will meet your specific requirements.

YOU ASSUME ALL RISKS ASSOCIATED WITH USE OF THE SOFTWARE. Some jurisdictions do not allow exclusion of implied warranties; the above exclusion may not apply to you.

8. Limitation of Liability

8.1 Exclusion of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE DEVELOPER BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING INVESTMENT LOSSES, LOSS OF DATA, OR LOSS OF PROFITS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

8.2 Liability Cap

The Developer's total cumulative liability under this Agreement shall not exceed the amount you paid for the Software in the 12 months preceding the claim. If you obtained the Software free of charge, the Developer's total liability shall not exceed $0.00.

8.3 Investment Loss Disclaimer

THIS SOFTWARE IS A TOOL ONLY. IT DOES NOT PROVIDE INVESTMENT ADVICE. ALL INVESTMENT DECISIONS ARE YOUR SOLE RESPONSIBILITY. THE DEVELOPER SHALL HAVE NO LIABILITY FOR ANY INVESTMENT LOSSES OR FINANCIAL DAMAGES ARISING FROM USE OF THE SOFTWARE.

8.4 Essential Purpose

These limitations apply even if any remedy fails its essential purpose. They are fundamental elements of the basis of the bargain between You and the Developer.

9. Indemnification

You agree to indemnify, defend, and hold harmless Ignyq Inc. and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorney's fees) arising from:

• Your use or misuse of the Software
• Your violation of this Agreement
• Your violation of any law, regulation, or third-party right
• Your infringement of intellectual property rights
• Investment or trading losses resulting from your use of the Software
• Any unauthorized distribution or modification of the Software

10. Data Privacy

10.1 Local Data Storage

The Software operates locally on your Device. All data — including watchlists, portfolio information, configuration, and cached market data — is stored locally on your computer. Financial planning data (goals, debts, assets, income) is encrypted on disk using AES-256 encryption.

10.2 No Data Collection

The Developer does not collect or transmit your personal information, track usage patterns, access your watchlists or portfolio data, send telemetry or analytics, or require online account registration.

10.3 Third-Party Data

The Software retrieves publicly available market data from third-party sources (e.g., Yahoo Finance, SEC EDGAR). These services have their own privacy policies. The Developer is not responsible for their data practices.

10.4 AI Features and Third-Party AI Providers

The Software includes optional AI-powered analysis features that, when enabled, transmit data to third-party AI providers (Anthropic (Claude), OpenAI (ChatGPT/GPT-4o), Google (Gemini), Perplexity, xAI (Grok), Copilot (Microsoft), GuruFocus) using API keys you supply. You acknowledge and agree that:

• AI analysis queries — including ticker symbols and associated market data — are sent to the selected AI provider's servers to generate responses.
• AI providers have their own privacy policies and data retention practices. You are responsible for reviewing and accepting those policies before use.
• Your AI API keys are stored exclusively in your operating system's secure credential store (macOS Keychain, Windows Credential Manager, or Linux Secret Service). They are not stored in any plaintext configuration file or transmitted to the Developer.
• The Developer is not responsible for the content, accuracy, or data practices of third-party AI providers.

10.5 Use of Information

Information is used solely to operate and maintain the Software, improve performance and features, and diagnose and fix technical issues.

10.6 Data Security

API keys are stored in the operating system secure credential store. Financial planning data is encrypted at rest using AES-256. Reasonable measures are taken to protect all information. However, no method of transmission or storage is 100% secure.

10.7 Children's Privacy

The Software is not intended for children under 13. We do not knowingly collect data from children.

See our full Privacy Policy for additional details.

11. Export Controls

The Software is subject to U.S. export control laws, including the Export Administration Regulations (EAR). You agree not to export or transfer the Software to any embargoed country or to any person or entity on a U.S. government restricted party list (including the Treasury Department's Specially Designated Nationals List or the Commerce Department's Denied Persons List).

12. Governing Law and Disputes

12.1 Governing Law

This Agreement is governed by the laws of the State of Texas, without regard to conflict of law principles.

12.2 Jurisdiction and Venue

You irrevocably consent to the exclusive jurisdiction and venue of the state and federal courts located in Bell County, Texas for any disputes arising from this Agreement or the Software.

12.3 Waiver of Jury Trial

TO THE EXTENT PERMITTED BY LAW, YOU WAIVE ANY RIGHT TO A JURY TRIAL IN ANY PROCEEDING ARISING OUT OF OR RELATED TO THIS AGREEMENT.

12.4 Class Action Waiver

You agree that any dispute resolution proceeding will be conducted only on an individual basis and not in a class, consolidated, or representative action.

12.5 Mandatory Arbitration

Any dispute arising out of or related to this Agreement shall be resolved by binding arbitration under the rules of the American Arbitration Association (AAA) in Bell County, Texas. You waive any right to a jury trial or class action proceeding.

13. Injunctive Relief

You acknowledge that breach of this Agreement may cause irreparable harm to the Developer for which monetary damages would be inadequate. The Developer is entitled to seek equitable relief, including injunction and specific performance, without posting bond, in addition to all other available remedies.

14. General Provisions

14.1 Updates to this Agreement

The Developer may modify this Agreement at any time. Updated terms are effective upon posting or inclusion with Software updates. Continued use of the Software constitutes acceptance of updated terms.

14.2 Software Updates

Updates for the same major version are available to lifetime license holders. Updates may be subject to additional terms provided at the time of update. You are not required to install updates, but older versions may not receive support.

14.3 Entire Agreement

This Agreement constitutes the entire agreement between you and the Developer regarding the Software and supersedes all prior agreements, communications, and understandings.

14.4 Severability

If any provision is found unenforceable, it shall be limited to the minimum extent necessary, and the remainder of this Agreement shall remain in full force.

14.5 No Waiver

Failure to enforce any provision is not a waiver of that provision.

14.6 Assignment

You may not assign this Agreement without the Developer's prior written consent. The Developer may assign freely.

14.7 Force Majeure

The Developer shall not be liable for any failure or delay due to causes beyond its reasonable control, including acts of God, war, network infrastructure failures, or natural disasters.

14.8 U.S. Government End Users

If You are a U.S. Government end user, the Software is a "commercial item" as defined in 48 C.F.R. § 2.101, consisting of "commercial computer software" and "commercial computer software documentation" as such terms are used in 48 C.F.R. § 12.212. Consistent with 48 C.F.R. § 12.212 and 48 C.F.R. §§ 227.7202-1 through 227.7202-4, all U.S. Government end users acquire the Software with only those rights set forth herein.

15. Contact

Ignyq, Inc.
Richard Wissinger, #1051, 1401 Lavaca St, Austin, TX 78701, United States
Email: support@ignyq.co
Website: ignyq.co

16. Refund Policy

Ignyq, Inc. offers a 30-day money-back guarantee on all paid license tiers. To request a refund, email support@ignyq.co within 30 days of purchase with your order number. Refunds are processed within 1–3 business days. All sales are final after 30 days. Full refund terms are available at ignyq.co/refund.

Acknowledgment and Acceptance

BY INSTALLING OR USING THE SOFTWARE, YOU ACKNOWLEDGE THAT:

• You have read and understand this Agreement in its entirety
• You agree to be legally bound by all terms and conditions
• You are of legal age to enter into this Agreement
• If accepting on behalf of an entity, you have authority to bind that entity
• You understand this Software is a tool only and does not provide investment advice
• You acknowledge the Ignyq™ trademark (USPTO Application No. 99619091) and intellectual property rights
• You accept all investment risks associated with using this Software

IF YOU DO NOT AGREE TO ALL TERMS OF THIS AGREEMENT, DO NOT USE THE SOFTWARE.