Terms of Use

1. Acceptance of Terms

These Terms of Use («Terms») constitute a legally binding agreement between you («User», «you», or «your») and Scientific Analytics Alliance Inc. («SAA Alliance», «Company», «we», «us», or «our»), a corporation incorporated under the laws of the State of Delaware, United States, with its principal office at 8 The Green STE B, Dover, Kent County, DE 19901, USA.

These Terms govern your access to and use of our websites, platforms, APIs, mobile applications, and all related services (collectively, the «Services»), including but not limited to: saa-alliance.com, risk.saa-alliance.com, analyzer.saa-alliance.com, arin.saa-alliance.com, invest.saa-alliance.com, crypto.saa-alliance.com, and news.saa-alliance.com.

By accessing, browsing, or using any part of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree, you must immediately discontinue use of the Services.

If you are using the Services on behalf of a corporation, partnership, government entity, or other legal entity, you represent and warrant that you have full authority to bind that entity to these Terms, and «you» refers to both you individually and the entity you represent.

2. Service Description

SAA Alliance provides an integrated ecosystem of enterprise-grade risk analytics, AI-powered intelligence, and research platforms designed for institutional investors, financial institutions, asset managers, insurers, regulators, and qualified professionals. The Services include:

• Global Risk Intelligence Platform: Physical-financial risk operating system with CesiumJS 3D globe, 8 strategic analysis modules, zoned enterprise placement across 50+ cities, 280-factor Unified Stress Report, real-time ingestion from USGS, FEMA, WHO, World Bank, IMF, OFAC, CISA KEV
• Risk Analyzer: Portfolio-level quantitative risk engine — VaR/CVaR computation, Monte Carlo simulations (10K–100K paths), multi-factor stress testing, PCA-based factor decomposition, portfolio optimization via GPU-accelerated cuDF and CVXPY
• ARIN Platform: 22-agent AI decision council with Confidence-Reliability Weighted Mean consensus, Meta-Decision Governor, Entity Memory, Learning Agent, Hard Routing, and Zero-Outcome Freeze protection
• Investment Dashboard: Equity and cross-asset research with institutional-grade V2 reports, Report Agent, watchlist management, proactive sector scanning, yfinance and SEC EDGAR data integration
• Crypto Analytics: Digital assets risk and intelligence platform with multi-dimensional metrics, proprietary rating system v1.4, on-chain analytics, DeFi protocol decomposition, NIM inference for narrative analysis
• News Analytics: Narrative intelligence engine with 12 risk-specialized agents, RiskMirror, Impact Graph, Sentiment Timeline, Ecosystem mapping, NetworkX deep graph analytics, multilingual processing via NVIDIA NIM
• KOKON Control Company: Standalone company control plane managing opportunities, approvals, agent calibration, voice intelligence, council sessions, event backbone, and autonomous OODA loop with NVIDIA-first AI routing. Communicates via stable webhook contracts with HMAC-signed delivery

We reserve the right to modify, update, suspend, or discontinue any aspect of the Services at any time, with or without notice, as we deem appropriate in our sole discretion.

3. Eligibility

The Services are intended for professional and institutional use. By using the Services, you represent and warrant that:

• You are at least 18 years of age (or the age of legal majority in your jurisdiction, whichever is greater)
• You have the legal capacity and authority to enter into this binding agreement
• You are not barred from using the Services under any applicable law, including but not limited to U.S. export control laws and OFAC sanctions
• You are not located in, under the control of, or a national or resident of any country subject to comprehensive U.S. economic sanctions (including but not limited to Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions)
• You are not on the U.S. Department of Treasury’s Specially Designated Nationals (SDN) List, the U.S. Commerce Department’s Denied Persons List, or any other applicable restricted party list

4. User Accounts

4.1 Registration

Certain features require account registration. When creating an account, you agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information to keep it accurate and current
• Maintain the security and confidentiality of your login credentials
• Accept full responsibility for all activities occurring under your account
• Notify us immediately at o.slieptsov@saa-alliance.com of any unauthorized access or security breach

4.2 Account Restrictions

• One account per person or entity — multiple accounts are prohibited
• Account credentials must not be shared with third parties
• Account transfers require prior written consent from SAA Alliance
• Inactive accounts may be suspended or terminated after 12 months of inactivity

4.3 API Access

API access credentials are subject to rate limiting, usage quotas, and additional terms specified in the API documentation. API keys must be treated as confidential information. Abuse of API endpoints may result in immediate suspension.

5. Acceptable Use Policy

You agree to use the Services lawfully and in accordance with these Terms. You agree NOT to:

5.1 Prohibited Activities

• Violate any applicable local, state, national, or international law, regulation, or treaty
• Use the Services for any fraudulent, deceptive, manipulative, or illegal purpose, including but not limited to market manipulation, insider trading, money laundering, or terrorist financing
• Attempt to gain unauthorized access to any systems, networks, servers, data, or accounts
• Interfere with, disrupt, or degrade the integrity, performance, or availability of the Services
• Introduce viruses, worms, trojans, ransomware, or other malicious code or technology
• Scrape, crawl, spider, or use automated means (including bots, scripts, or AI agents) to access the Services without explicit written permission
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of any proprietary software, algorithms, or models
• Circumvent, disable, or interfere with any security, authentication, or access control mechanisms
• Impersonate any person, entity, or SAA Alliance personnel, or misrepresent your affiliation
• Use the Services to build a competing product or service, or to benchmark the Services without written consent
• Resell, redistribute, sublicense, or commercially exploit the Services or any data/outputs without a separate commercial agreement

5.2 Data & Content Restrictions

• Do not upload, transmit, or submit content that is unlawful, harmful, threatening, abusive, defamatory, obscene, or otherwise objectionable
• Do not submit confidential or proprietary information of third parties without proper authorization
• Do not use the Services to collect, harvest, or aggregate personal information about individuals without their explicit consent
• Do not submit material that violates any intellectual property, privacy, or publicity rights of any third party

6. Intellectual Property Rights

6.1 Company Intellectual Property

The Services — including all software, algorithms, AI models, analytical methodologies, source code, object code, data structures, APIs, user interfaces, graphics, logos, icons, text, documentation, and data compilations — are owned by SAA Alliance or its licensors and are protected by United States and international intellectual property laws, including copyright, trademark, patent, trade secret, and unfair competition law.

The SAA Alliance name, logo, and all related product and service names, design marks, and slogans are trademarks of Scientific Analytics Alliance Inc. You may not use these marks without our prior written permission.

6.2 Limited License

Subject to these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for your internal business and research purposes. This license does NOT include the right to:

• Resell, sublicense, redistribute, or commercially exploit the Services or their outputs
• Modify, adapt, translate, or create derivative works based on the Services
• Use our trademarks, logos, or branding in any manner without prior written consent
• Remove, alter, or obscure any copyright, trademark, or proprietary rights notices
• Use AI-generated outputs to train competing AI models without a separate data licensing agreement

6.3 User Content

You retain ownership of data, information, and content you submit through the Services («User Content»). By submitting User Content, you grant SAA Alliance a worldwide, non-exclusive, royalty-free, limited license to use, process, store, reproduce, and display such content solely for the purpose of providing, improving, and maintaining the Services. This license terminates upon deletion of your User Content or closure of your account (subject to backup retention periods).

6.4 Feedback

If you provide suggestions, ideas, enhancement requests, or other feedback regarding the Services («Feedback»), you grant us a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable license to use, incorporate, and exploit such Feedback for any purpose without obligation, compensation, or attribution to you.

7. Financial & Investment Disclaimers

THIS SECTION IS MATERIAL. READ IT CAREFULLY.

7.1 No Investment Advice

The Services, including all analytical outputs, risk scores, ratings, verdicts (BUY/SELL/HOLD/AVOID), stress test results, Monte Carlo simulations, ARIN Council decisions, and any other content or data provided through the Services, are for informational, educational, and research purposes only. They do NOT constitute:

• Investment advice, financial advice, trading advice, or tax advice
• A recommendation or solicitation to buy, sell, or hold any security, digital asset, or financial instrument
• An offer to buy or sell any securities or digital assets
• A substitute for professional financial, legal, or tax counsel

7.2 No Fiduciary Relationship

Use of the Services does not create a fiduciary, advisory, broker-dealer, investment adviser, or client relationship between you and SAA Alliance. We are not a registered investment adviser, broker-dealer, or financial planner under any federal, state, or foreign securities laws.

7.3 Risk Acknowledgment

You acknowledge and agree that:

• All investments involve risk, including the potential loss of principal
• Past performance is not indicative or guaranteed of future results
• AI-generated outputs may be inaccurate, incomplete, or based on assumptions that may not hold
• You are solely responsible for your own investment decisions and bear all risk of loss
• You should consult with qualified financial, legal, and tax professionals before making investment decisions
• Market conditions, data availability, and model limitations may affect the accuracy of analytical outputs

7.4 Regulatory Compliance

You are responsible for ensuring your use of the Services complies with all applicable laws and regulations in your jurisdiction, including securities regulations, data protection laws, export controls, and sanctions requirements.

8. Payment Terms

8.1 Fees & Billing

Certain features and tiers of the Services require payment of subscription fees. All fees are:

• As described on saa-alliance.com/pricing/ or in your enterprise service agreement
• Due in advance for the subscription period unless otherwise agreed in writing
• Quoted exclusive of applicable taxes (VAT, GST, sales tax) unless stated otherwise
• Payable in U.S. Dollars (USD) unless otherwise specified in your agreement

8.2 Price Changes

We reserve the right to modify pricing upon 30 days’ written notice. Price changes will not affect the current billing period. For annual subscriptions, price changes take effect at renewal.

8.3 Refunds

Fees are generally non-refundable. Enterprise clients may have specific refund terms in their Master Service Agreement (MSA). If you believe you are entitled to a refund, contact o.slieptsov@saa-alliance.com within 14 days of the charge.

8.4 Payment Failure

If payment fails, we will notify you and provide a 7-day grace period. If payment is not received within the grace period, we may suspend or terminate access to paid features. You remain liable for all outstanding amounts.

9. Service Availability & Support

9.1 Availability Target

We target 99.8% uptime for production Services (measured monthly, excluding scheduled maintenance windows). This is a target, not a guarantee. Services may be temporarily unavailable due to:

• Scheduled maintenance (with advance notice when possible)
• Emergency security patches and critical updates
• Third-party infrastructure provider outages (AWS, Cloudflare, NVIDIA NIM API)
• Force majeure events beyond our reasonable control

9.2 Support

Support levels are determined by your subscription tier. Enterprise clients may have access to dedicated support channels, priority response times, and custom SLAs as specified in their service agreement.

9.3 Maintenance

Scheduled maintenance windows will be communicated at least 48 hours in advance when feasible. Emergency maintenance may occur without advance notice when necessary to protect the security or integrity of the Services.

10. AI & Automated Systems

The Services utilize artificial intelligence, machine learning, and large language models for risk analysis, report generation, and verdict synthesis. By using AI-powered features, you acknowledge and agree:

• AI outputs are probabilistic and may contain errors, biases, or hallucinations — they are tools, not authoritative pronouncements
• ARIN verdicts (BUY/SELL/HOLD/AVOID) reflect algorithmic consensus of 22 AI agents and are not investment advice
• AI models are provided by third-party providers (including NVIDIA NIM) under their respective terms of service
• You are responsible for independently verifying AI-generated outputs before acting on them
• SAA Alliance is not liable for decisions made based on AI-generated outputs
• We implement NeMo Guardrails for safety and compliance, but no safety system is infallible
• Analytical inputs submitted to AI systems may be processed by third-party AI infrastructure providers in accordance with our Privacy Policy

11. Disclaimers of Warranties

THE SERVICES ARE PROVIDED «AS IS» AND «AS AVAILABLE» WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

We expressly disclaim all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding the accuracy, reliability, completeness, or timeliness of any content, data, analytical outputs, risk scores, or AI-generated verdicts
• Warranties that the Services will be uninterrupted, timely, secure, error-free, or free from viruses or other harmful components
• Warranties that any defects will be corrected or that the Services will meet your specific requirements
• Warranties arising from course of dealing, usage, or trade practice

Some jurisdictions do not allow the exclusion of implied warranties. In such jurisdictions, the above exclusions apply to the maximum extent permitted by applicable law.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SAA ALLIANCE, ITS PARENT, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, punitive, or exemplary damages
• Any loss of profits, revenue, data, business opportunities, goodwill, or anticipated savings
• Any damages arising from your use of, or inability to use, the Services
• Any damages arising from reliance on any content, data, analytical output, risk score, or AI verdict provided through the Services
• Any financial losses from investment decisions made based on information obtained through the Services
• Any damages resulting from unauthorized access to or alteration of your data or transmissions
• Any damages caused by third-party services, APIs, or data providers integrated with the Services

Our aggregate liability for all claims arising from or related to these Terms or the Services shall not exceed the greater of: (a) the total fees paid by you to SAA Alliance in the twelve (12) months preceding the claim, or (b) ONE HUNDRED U.S. DOLLARS ($100.00 USD).

Some jurisdictions do not allow limitations on incidental or consequential damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

13. Indemnification

You agree to indemnify, defend, and hold harmless SAA Alliance and its officers, directors, employees, agents, affiliates, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses (including reasonable attorneys’ fees and court costs) arising out of or in any way connected with:

• Your access to or use of the Services
• Your violation of these Terms or any applicable law or regulation
• Your violation of any intellectual property, privacy, publicity, or other rights of any third party
• Your User Content
• Any misrepresentation made by you
• Your investment or business decisions based on information from the Services

SAA Alliance reserves the right to assume exclusive defense and control of any matter subject to indemnification, at your expense. You agree to cooperate with our defense of such claims.

14. Termination

14.1 By You

You may terminate your account at any time by contacting o.slieptsov@saa-alliance.com or using account settings (where available). Termination does not entitle you to a refund of prepaid fees.

14.2 By Us

We may suspend or terminate your access immediately, with or without notice, if:

• You breach any provision of these Terms
• We are required to do so by law, regulation, or court order
• We reasonably believe your conduct poses a risk to the security, integrity, or reputation of the Services
• Your account has been inactive for 12 or more consecutive months
• We elect to discontinue the Services or any portion thereof

14.3 Effect of Termination

• Your license to access and use the Services terminates immediately
• We may delete your account and User Content after a 30-day retention period (except where longer retention is required by law)
• You may request export of your User Content prior to account closure
• Sections 6 (IP), 7 (Disclaimers), 11 (Warranties), 12 (Liability), 13 (Indemnification), 15 (Governing Law), and any other provisions that by their nature should survive, shall survive termination

15. Governing Law & Dispute Resolution

15.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of law provisions. The United Nations Convention on Contracts for the International Sale of Goods (CISG) does not apply.

15.2 Dispute Resolution

• Informal Resolution: Before initiating any formal proceeding, you agree to contact o.slieptsov@saa-alliance.com and attempt to resolve the dispute informally within 60 days
• Binding Arbitration: If informal resolution fails, any dispute shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, in Wilmington, Delaware. The arbitrator’s decision shall be final and binding.
• Class Action Waiver: You agree that disputes will be resolved on an individual basis only. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING.
• Small Claims Exception: Either party may bring an individual action in small claims court for disputes within the court’s jurisdictional limits

15.3 Injunctive Relief

Notwithstanding the above, either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect intellectual property rights, enforce confidentiality obligations, or prevent irreparable harm.

15.4 International Users

For EEA/UK residents, these Terms are without prejudice to your mandatory consumer protection rights under your local law. Nothing in these Terms limits your right to bring proceedings in the courts of your country of residence for consumer disputes.

16. Export Controls & Sanctions Compliance

The Services may be subject to U.S. export control and economic sanctions laws and regulations, including the Export Administration Regulations (EAR) and regulations administered by the Office of Foreign Assets Control (OFAC). You agree that you will not, directly or indirectly:

• Export, re-export, or transfer any part of the Services to any country, territory, or person prohibited by U.S. law
• Use the Services for any purpose prohibited by U.S. export control laws, including the development, design, or production of nuclear, chemical, or biological weapons, or missile technology
• Access the Services from or on behalf of any Comprehensively Sanctioned Country/Region

Violation of this section may result in immediate termination and reporting to relevant authorities.

17. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on saa-alliance.com/terms/
• Updating the «Last Updated» date at the top of this document
• Providing 30 days’ advance notice for material changes affecting your rights or obligations
• Sending email notification for significant changes (where we have your contact information)

Your continued use of the Services after the effective date of revised Terms constitutes acceptance. If you disagree, you must stop using the Services and may request account closure.

18. General Provisions

• Entire Agreement: These Terms, the Privacy Policy, and any applicable service-specific agreements or enterprise MSAs constitute the entire agreement between you and SAA Alliance, superseding all prior or contemporaneous agreements
• Severability: If any provision is held unenforceable by a court of competent jurisdiction, the remaining provisions continue in full force and effect. The unenforceable provision shall be modified to the minimum extent necessary to make it enforceable
• Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver is effective unless in writing and signed by SAA Alliance
• Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations freely in connection with a merger, acquisition, or sale of assets, or by operation of law
• Force Majeure: SAA Alliance shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including natural disasters, pandemics, war, terrorism, cyberattacks, government actions, infrastructure failures, or third-party service provider outages
• Notices: Legal notices to SAA Alliance must be sent to o.slieptsov@saa-alliance.com or by certified mail to our registered address. We may provide notice to you via email, through the Services, or by posting on our website
• Headings: Section headings are for convenience only and have no legal or contractual significance
• No Third-Party Beneficiaries: These Terms do not confer any rights or remedies on any third party, except as expressly provided

19. Contact Information