Terms of Service

Effective Date: April 15, 2026

These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," "your") and Lisle Technologies, Inc. ("Lisle," "Lisle.ai," "Company," "we," "us," "our"), a Delaware corporation, governing your access to and use of the Lisle.ai platform, including our website at lisle.ai, web application, mobile applications, APIs, and all related services (collectively, the "Service").

PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER IN SECTION 15 THAT AFFECT YOUR LEGAL RIGHTS. BY USING THE SERVICE, YOU AGREE TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION AND WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS OR JURY TRIALS, EXCEPT AS PROVIDED IN SECTION 15.

THE SERVICE PROVIDES GENERAL FINANCIAL INFORMATION AND PLANNING TOOLS ONLY. IT DOES NOT PROVIDE INVESTMENT ADVICE, TAX ADVICE, OR LEGAL ADVICE. SEE SECTION 7 FOR CRITICAL DISCLAIMERS.

Table of Contents

1. Acceptance of Terms
2. Description of Service
3. Eligibility
4. Account Registration and Security
5. Subscription Plans, Billing, and Payment
6. Third-Party Services
7. Financial Information Disclaimer
8. AI-Generated Content
9. Household Sharing
10. User Content and Data
11. Intellectual Property
12. Prohibited Uses
13. Limitation of Liability
14. Indemnification
15. Dispute Resolution and Arbitration
16. Warranty Disclaimer
17. Termination
18. Modifications to Terms
19. General Provisions
20. Governing Law
21. Contact Information

1. Acceptance of Terms

1.1 Agreement to Terms

By creating an account, accessing, or using the Service in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional terms, policies, or guidelines incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Service.

1.2 Electronic Agreement

You consent to enter into this Agreement electronically. Your creation of an account, click on "I agree" or similar button, or continued use of the Service after being presented with these Terms constitutes your binding acceptance, with the same legal force and effect as a handwritten signature.

1.3 Authority to Bind

If you are using the Service on behalf of a household, entity, or organization, you represent and warrant that you have the authority to bind such household, entity, or organization to these Terms, and "you" and "your" shall refer to both you individually and such household, entity, or organization.

1.4 Updates to Terms

We may update these Terms from time to time as described in Section 18. Your continued use of the Service after the effective date of any updated Terms constitutes your acceptance of the updated Terms.

2. Description of Service

2.1 What Lisle.ai Is

Lisle.ai is a subscription-based personal financial planning and education platform designed to provide Users with tools and general financial information to assist with personal financial organization, budgeting, and planning. The Service includes:

• Cash flow tracking and budgeting tools that aggregate and categorize financial transactions from linked bank and investment accounts via read-only connections.
• Tax estimation tools that produce estimated projections of potential federal and state income tax liability based on User-provided data. These are mathematical estimates only and are not tax returns, tax filings, or tax advice.
• AI-powered financial chat that provides general financial information, explanations of financial concepts, and responses to User questions using artificial intelligence technology. This feature provides impersonal financial information of a general nature and does not take into account your complete individual financial circumstances.
• Equity compensation analysis tools that help Users track, visualize, and model vesting schedules and potential values of Restricted Stock Units (RSUs), Incentive Stock Options (ISOs), Non-Qualified Stock Options (NSOs/NQSOs), and Non-Qualified Deferred Compensation (NQDC) plans based on User-provided inputs and assumptions.
• Offer letter comparison tools that assist Users in comparing compensation packages based on User-provided data and standardized assumptions.
• Monte Carlo simulation tools that use randomized statistical modeling to project potential ranges of future financial outcomes based on User-provided inputs and assumptions. These projections are hypothetical, not predictions.
• Scenario planning and projection tools that allow Users to model hypothetical financial scenarios (e.g., relocation, job change, large purchase) and view estimated impacts. All outputs are estimates based on assumptions and User inputs.
• Document upload and AI analysis that allows Users to upload financial documents (W-2 forms, paystubs, equity grant letters) for automated data extraction and analysis.
• Dashboard and visualization tools that present User financial data in charts, graphs, and summary views for organizational and educational purposes.
• Proactive insights and alerts that provide general notifications about potential financial planning considerations based on patterns observed in User data.

2.2 What Lisle.ai Is NOT

THE FOLLOWING DISCLAIMERS ARE MATERIAL TERMS OF THIS AGREEMENT. BY USING THE SERVICE, YOU ACKNOWLEDGE AND AGREE TO EACH OF THE FOLLOWING:

(a) Lisle.ai is NOT a Registered Investment Adviser.Lisle Technologies, Inc. is not registered as an investment adviser with the U.S. Securities and Exchange Commission ("SEC") or any state securities regulatory authority under the Investment Advisers Act of 1940, as amended (the "Advisers Act"), or any comparable state statute. The Service does not provide "investment advice" as defined in Section 202(a)(11) of the Advisers Act. Specifically, the Service does not: (i) advise others as to the value of securities or as to the advisability of investing in, purchasing, or selling securities; (ii) provide advice or issue reports or analyses concerning securities for compensation; or (iii) manage securities portfolios or provide continuous, personalized investment advice based on an individual client's specific financial situation. Any financial information provided through the Service constitutes "impersonal investment information" of a general and educational nature that does not purport to meet the objectives or needs of any specific individual or account, as distinguished from "investment advice" within the meaning of the Advisers Act. The Service is a financial planning and education tool, not a financial advisory service.

(b) Lisle.ai is NOT a Broker-Dealer.Lisle Technologies, Inc. is not registered as a broker-dealer with the SEC or the Financial Industry Regulatory Authority ("FINRA") under the Securities Exchange Act of 1934, as amended, or any comparable state statute. The Service does not execute securities transactions, hold securities or funds on your behalf, recommend specific securities or transactions, or otherwise engage in any activity that would require registration as a broker-dealer.

(c) Lisle.ai does NOT Provide Tax Advice or Tax Preparation Services. Lisle Technologies, Inc. is not a certified public accounting firm, enrolled agent, registered tax return preparer, or tax advisor. The Service does not prepare tax returns, file tax returns or any other documents with the Internal Revenue Service ("IRS") or any state or local taxing authority, provide tax advice within the meaning of Treasury Department Circular No. 230, represent Users before the IRS or any taxing authority, or provide advice upon which Users should rely when preparing their tax returns. Tax estimates and projections generated by the Service are mathematical calculations based on the tax rates, brackets, and rules as we understand them for the relevant tax year, applied to User-provided data. These estimates may be incomplete, inaccurate, or inapplicable to your specific tax situation. Tax law is complex, varies by jurisdiction, changes frequently, and is subject to differing interpretations. Users bear sole responsibility for their tax compliance and are strongly advised to consult with a qualified tax professional.

(d) Lisle.ai does NOT Provide Legal Advice. The Service does not provide legal advice of any kind. Information presented about tax law, securities regulations, compensation structures, or any other legal topic is for general educational purposes only and does not constitute legal advice. Users should consult with a qualified attorney for advice specific to their situation.

(e) Lisle.ai does NOT Move Money, Execute Trades, or File Returns. The Service connects to User financial accounts on a read-only basis through Plaid, Inc. ("Plaid") for the sole purpose of retrieving transaction and balance data. The Service does not: initiate any financial transactions, transfer funds, execute securities trades, file tax returns or any other government forms, make payments on your behalf, or access your accounts in any write or transactional capacity.

(f) No Fiduciary Relationship. Use of the Service does not create a fiduciary relationship, an advisory relationship, a professional-client relationship, or any other special relationship between you and Lisle Technologies, Inc. We do not owe you any fiduciary duty. You acknowledge that you are solely responsible for your financial decisions and that any actions you take based on information provided by the Service are taken at your own risk.

3. Eligibility

3.1 Age Requirement

You must be at least eighteen (18) years of age to create an account and use the Service. By using the Service, you represent and warrant that you are at least eighteen (18) years old.

3.2 Geographic Limitation

The Service is currently available only to individuals who are residents of the United States of America, including its territories. Tax estimation and planning features are designed for and limited to the U.S. federal tax system and select state tax jurisdictions. By using the Service, you represent and warrant that you are a U.S. resident. We make no representation that the Service is appropriate, accurate, or available for use in any jurisdiction outside the United States.

3.3 Legal Capacity

You represent and warrant that you have the legal capacity and authority to enter into this Agreement and to use the Service in accordance with all applicable laws and regulations.

3.4 Accurate Information

You represent and warrant that all information you provide to Lisle.ai, including during account registration and when using the Service, is truthful, accurate, current, and complete.

4. Account Registration and Security

4.1 Account Creation

To access the Service, you must create an account by providing a valid email address, creating a password or authenticating through a supported single sign-on (SSO) provider, and providing such other information as we may reasonably require. You agree to provide accurate, current, and complete information during the registration process and to update such information as necessary to maintain its accuracy.

4.2 Account Security

You are solely responsible for: (a) maintaining the confidentiality of your account credentials, including your password; (b) all activity that occurs under your account, whether or not authorized by you; and (c) notifying us immediately at security@lisle.ai if you become aware of any unauthorized access to or use of your account. We reserve the right to suspend or terminate your account if we reasonably believe it has been compromised.

4.3 Single User

Each account is for a single individual User. You may not share your account credentials with any other person. Household sharing functionality is governed by Section 9 and provides the designated mechanism for sharing data with authorized household members.

4.4 Biometric Authentication

If you enable biometric authentication (fingerprint, facial recognition) on your mobile device for access to the Service, you acknowledge that: (a) the biometric data is processed and stored locally on your device and is not transmitted to or stored by Lisle; (b) the security of biometric authentication is subject to the security of your device; and (c) you are responsible for ensuring that only authorized biometric profiles are enrolled on your device.

5. Subscription Plans, Billing, and Payment

5.1 Subscription Tiers

The Service is offered through the following subscription tiers, each with specified features and limitations:

5.2 Feature Limitations

Access to features is determined by your active subscription tier. Attempting to access features not included in your tier will prompt an upgrade offer. AI query limits reset on the first day of each calendar month. Unused queries do not roll over. We reserve the right to implement reasonable rate limits and fair use policies to ensure service quality.

5.3 Billing and Payment

(a) Payment Processor.All payments are processed through Stripe, Inc. ("Stripe"). By subscribing to the Service, you agree to Stripe's terms of service and privacy policy as applicable to payment processing.

(b) Payment Method. You must provide a valid payment method (credit card, debit card, or other accepted method) to subscribe to the Service. You authorize us, through Stripe, to charge your payment method for the applicable subscription fee.

(c) Billing Cycle. Subscriptions are billed monthly in advance on the calendar anniversary of your initial subscription date. For example, if you subscribe on the 15th of a month, your billing date will be the 15th of each subsequent month.

5.4 Automatic Renewal

YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW AT THE END OF EACH BILLING PERIOD AT THE THEN-CURRENT RATE FOR YOUR SUBSCRIPTION TIER, UNLESS YOU CANCEL BEFORE THE END OF THE CURRENT BILLING PERIOD. By subscribing, you authorize us to charge the applicable subscription fee to your payment method on each renewal date. This is a recurring charge.

In compliance with the California Automatic Renewal Law (California Business and Professions Code Sections 17600-17606) and similar state laws, we provide the following disclosures:

• Clear and conspicuous disclosure: Your subscription will renew automatically for successive monthly periods at the rate in effect at the time of renewal, unless you cancel.
• Affirmative consent: Your provision of payment information and activation of a subscription constitutes your affirmative consent to the automatic renewal terms.
• Acknowledgment: You will receive a confirmation of your subscription terms, including the automatic renewal terms, via email at the time of your initial subscription.
• Cancellation mechanism: You may cancel your subscription at any time through your account settings in the Stripe-powered billing portal accessible within the Service, or by contacting us at support@lisle.ai. Cancellation instructions are provided in Section 5.7.
• Cancellation confirmation: Upon cancellation, you will receive an email confirmation of your cancellation and the date through which your access will remain active.

5.5 Free Trials

We may offer free trial periods at our discretion. If you sign up for a free trial:

• You may be required to provide a valid payment method to begin the trial.
• If you do not cancel before the end of the free trial period, your subscription will automatically convert to a paid subscription at the rate disclosed at the time of sign-up, and your payment method will be charged.
• Free trials are limited to one per User. Abuse of free trial offers (including creating multiple accounts) may result in account termination.
• We will send you a reminder email before your free trial ends and a paid subscription begins.

5.6 Price Changes

We may change subscription prices from time to time. For existing subscribers:

• We will provide at least thirty (30) days' prior written notice of any price increase via email to the address associated with your account.
• Price increases will take effect at the start of the next billing cycle following the notice period.
• Your continued use of the Service after a price change takes effect constitutes your acceptance of the new price.
• If you do not agree to a price increase, you may cancel your subscription before the new price takes effect.

5.7 Cancellation

You may cancel your subscription at any time by:

• Navigating to the billing portal in your account settings and following the cancellation instructions; or
• Contacting us at support@lisle.ai with your cancellation request.

Upon cancellation: (a) your subscription will remain active through the end of your current paid billing period; (b) you will not be charged for subsequent billing periods; (c) you will retain access to the features of your subscription tier until the end of the current billing period; and (d) after the current billing period ends, your account will revert to a limited free state or be subject to the data retention and deletion provisions of our Privacy Policy.

5.8 Refund Policy

Subscription fees are generally non-refundable. However:

• If you cancel within forty-eight (48) hours of your initial subscription purchase or within forty-eight (48) hours of an automatic renewal charge, and you have not materially used the Service during that period, you may request a refund by contacting billing@lisle.ai. Refunds under this provision are at our reasonable discretion.
• If a billing error occurs (e.g., duplicate charge), we will refund the erroneous amount promptly upon verification.
• If we materially reduce the features of your subscription tier without providing a comparable alternative, you may be entitled to a pro-rata refund for the unused portion of your current billing period.
• All refund requests must be submitted in writing to billing@lisle.ai within thirty (30) days of the charge in question.

6. Third-Party Services

6.1 Plaid

The Service uses Plaid, Inc. ("Plaid") to connect your bank, investment, and other financial accounts. By linking a financial account through the Service, you:

• Acknowledge that your use of Plaid is subject to Plaid's End User Privacy Policy (available at https://plaid.com/legal) and Plaid's terms of service, which are incorporated herein by reference.
• Grant Plaid the right to access your financial account data, including transaction history, account balances, and account identification information, on a read-only basis.
• Acknowledge that Lisle receives financial data from Plaid in order to provide the Service and that the accuracy, completeness, and timeliness of data provided through Plaid is dependent on Plaid and the relevant financial institutions.
• Acknowledge that Lisle does not have access to your financial account credentials. Your credentials are stored and managed by Plaid in accordance with Plaid's security practices.

We are not responsible for any acts or omissions of Plaid, including but not limited to the accuracy or availability of data provided by Plaid, any failure in the connection between Plaid and your financial institution, or Plaid's handling of your data.

6.2 Stripe

The Service uses Stripe, Inc. ("Stripe") for payment processing. By providing payment information and subscribing to the Service, you:

• Acknowledge that your use of Stripe is subject to Stripe's Connected Account Agreement, Stripe's Terms of Service, and Stripe's Privacy Policy, which are available at https://stripe.com/legal.
• Authorize Stripe to process charges to your payment method as described in Section 5.
• Acknowledge that Lisle does not store your full credit card number, debit card number, or other full payment credentials. Payment credentials are managed by Stripe in accordance with PCI DSS standards.

We are not responsible for any acts or omissions of Stripe, including any failure in payment processing or Stripe's handling of your payment data.

6.3 AI Service Providers

The Service uses third-party artificial intelligence providers, including Anthropic, PBC ("Anthropic") for AI chat functionality and OpenAI, Inc. ("OpenAI") for text embedding services. Your use of the Service is subject to the applicable terms and policies of these providers as they relate to data processing. See Section 8 for additional terms regarding AI-generated content.

6.4 Market Data Providers

The Service may use third-party market data providers (including but not limited to Finnhub) for stock prices, market data, and other financial data. Such data is provided on an "as is" basis and may be delayed, inaccurate, or incomplete. We do not warrant the accuracy, timeliness, or completeness of third-party market data.

6.5 General Third-Party Disclaimer

The Service may contain links to, integrations with, or rely upon third-party websites, services, and applications. We do not endorse, control, or assume responsibility for any third-party services. Your use of third-party services is at your own risk and subject to those third parties' own terms and policies.

7. Financial Information Disclaimer

THIS SECTION CONTAINS CRITICAL DISCLAIMERS. PLEASE READ IT IN ITS ENTIRETY.

7.1 General Disclaimer — Not Professional Advice

THE SERVICE PROVIDES GENERAL FINANCIAL INFORMATION, TOOLS, AND EDUCATIONAL CONTENT FOR YOUR PERSONAL USE. NOTHING PROVIDED THROUGH THE SERVICE CONSTITUTES INVESTMENT ADVICE, TAX ADVICE, LEGAL ADVICE, ACCOUNTING ADVICE, INSURANCE ADVICE, OR ANY OTHER FORM OF PROFESSIONAL FINANCIAL ADVICE. THE INFORMATION AND TOOLS ARE NOT A SUBSTITUTE FOR THE ADVICE OF A QUALIFIED PROFESSIONAL.

7.2 Not Investment Advice

(a) The Service provides impersonal investment information of a general and educational nature. This information does not purport to meet the investment objectives or needs of any specific individual or account, and should not be relied upon as the primary basis for any investment decision. The Service does not: recommend specific securities, investment strategies, or asset allocations; provide personalized investment advice that is tailored to your individual financial situation, risk tolerance, investment objectives, or time horizon; manage your investment portfolio or direct how you should invest your assets; or serve as your investment adviser in any capacity.

(b)Under the Investment Advisers Act of 1940, Section 202(a)(11), an "investment adviser" is any person who, for compensation, engages in the business of advising others as to the value of securities or as to the advisability of investing in, purchasing, or selling securities. Lisle does not engage in such activities. The financial data aggregation, general informational content, hypothetical projections, and educational tools provided through the Service fall outside the definition of "investment advice" under the Advisers Act and applicable SEC guidance, including the exclusion for publishers of bona fide publications of general and regular circulation (Section 202(a)(11)(D) of the Advisers Act) and SEC staff no-action letters concerning financial planning software and impersonal investment information.

(c) If any output of the Service references a specific security, mutual fund, ETF, or other investment product, such reference is for informational or illustrative purposes only and does not constitute a recommendation to buy, sell, or hold such security. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.

7.3 Not Tax Advice

(a) Tax estimates, projections, and related information provided by the Service are for general planning and educational purposes only. They are based on mathematical models applied to User-provided data and our understanding of applicable tax laws (including the Internal Revenue Code of 1986, as amended, Treasury Regulations, and state tax codes) for the relevant tax year. These estimates do not constitute tax advice, tax opinions, or tax return preparation.

(b) Tax law is complex, fact-specific, and subject to frequent change by legislative action, regulatory guidance, and judicial interpretation. The Service may not incorporate: all applicable deductions, credits, exclusions, or exemptions; the effects of the alternative minimum tax (AMT) in all circumstances; state and local tax rules for every jurisdiction; your specific filing status, dependents, or other individual circumstances that we are not aware of; recent legislative or regulatory changes that have not yet been incorporated into our models; or interactions between federal and state tax provisions that may affect your specific situation.

(c) TAX ESTIMATES PROVIDED BY THE SERVICE MAY DIFFER MATERIALLY FROM YOUR ACTUAL TAX LIABILITY. YOU SHOULD NOT RELY ON THE SERVICE FOR TAX COMPLIANCE. YOU ARE SOLELY RESPONSIBLE FOR THE ACCURACY AND COMPLETENESS OF YOUR TAX RETURNS AND FOR THE TIMELY PAYMENT OF ALL TAXES OWED. WE STRONGLY RECOMMEND THAT YOU CONSULT A QUALIFIED TAX PROFESSIONAL (SUCH AS A CERTIFIED PUBLIC ACCOUNTANT, ENROLLED AGENT, OR TAX ATTORNEY) FOR ADVICE REGARDING YOUR SPECIFIC TAX SITUATION.

(d) In no event shall Lisle be responsible for any tax penalties, interest, underpayments, overpayments, or other tax-related consequences arising from your reliance on estimates, projections, or other outputs of the Service.

7.4 Not Legal Advice

The Service does not provide legal advice. Any information regarding tax law, securities regulations, employment law, estate planning, or other legal topics is provided for general educational and informational purposes only and does not create an attorney-client relationship. You should consult a qualified attorney licensed in your jurisdiction for legal advice specific to your situation.

7.5 Equity Compensation Disclaimer

The equity compensation tools in the Service provide estimates and projections based on User-provided inputs and assumptions. These tools:

• Do not account for all terms and conditions of your specific equity award agreements, employment agreements, or plan documents.
• May not accurately reflect the tax treatment of your equity compensation under all circumstances, including but not limited to ISO disqualifying dispositions, Section 83(b) elections, Section 409A compliance issues, or state-specific tax treatment.
• Provide hypothetical projections of equity values that are not predictions or guarantees of future value. Actual stock prices, vesting outcomes, and tax consequences may differ materially from estimates.
• Should not be used as the sole basis for exercising options, selling shares, or making any other decision regarding equity compensation.

YOU SHOULD CONSULT YOUR EMPLOYER'S EQUITY PLAN ADMINISTRATOR, A TAX PROFESSIONAL, AND/OR A FINANCIAL ADVISER BEFORE MAKING DECISIONS REGARDING YOUR EQUITY COMPENSATION.

7.6 Monte Carlo and Projection Disclaimer

Monte Carlo simulations and other financial projections provided by the Service are hypothetical illustrations based on mathematical models, historical data, and User-provided assumptions. These projections:

• Are not predictions, forecasts, or guarantees of future results.
• Are highly sensitive to underlying assumptions, including assumed rates of return, inflation rates, tax rates, savings rates, and time horizons. Small changes in assumptions can produce materially different results.
• Do not account for all possible economic conditions, market events, or personal circumstances.
• Should be used for general educational and planning purposes only, not as the basis for specific financial decisions.

PAST PERFORMANCE AND HISTORICAL DATA ARE NOT INDICATIVE OF FUTURE RESULTS. ACTUAL OUTCOMES MAY DIFFER MATERIALLY FROM PROJECTED OUTCOMES.

7.7 Obligation to Consult Qualified Professionals

You acknowledge and agree that: (a) you will consult with qualified professional advisors (including but not limited to registered investment advisers, certified public accountants, enrolled agents, tax attorneys, and licensed attorneys) before making significant financial, investment, tax, or legal decisions; (b) the Service is a tool to help organize and visualize your financial information and to provide general educational information, not a replacement for professional advice; and (c) you are solely responsible for your own financial decisions and for verifying the accuracy and applicability of any information provided by the Service.

8. AI-Generated Content

8.1 Nature of AI Content

The Service incorporates artificial intelligence technology to generate responses to User queries, analyze documents, produce insights, and provide general financial information. AI-generated content is produced by large language models and other machine learning systems that generate outputs based on statistical patterns in training data.

8.2 Accuracy and Limitations

YOU ACKNOWLEDGE AND AGREE THAT AI-GENERATED CONTENT:

• May contain errors, inaccuracies, or omissions.AI systems can produce outputs that appear authoritative but are factually incorrect. This is sometimes referred to as "hallucination."
• Is not guaranteed to be complete, current, or applicable to your situation. AI outputs are based on the model's training data, which has a knowledge cutoff and may not reflect the most current laws, regulations, or financial information.
• Should not be relied upon as the sole basis for financial, tax, investment, or legal decisions. AI-generated content is provided for informational and educational purposes only.
• May vary. The same or similar query may produce different responses at different times.
• Represents general information, not personalized advice. Even when AI responses reference your specific financial data, the AI is providing general information and is not acting as a professional advisor.

8.3 Third-Party AI Processors

Lisle uses Anthropic, PBC as the primary AI model provider for chat and analysis functionality, and OpenAI, Inc. for text embedding services used in data retrieval. You acknowledge that:

• User queries and relevant financial context (in summarized, aggregated form — never raw individual transactions) are transmitted to Anthropic's systems for processing.
• Financial data is embedded using OpenAI's embedding models for retrieval-augmented generation (RAG) functionality.
• These third-party processors have their own terms of service, privacy policies, and data handling practices. We select processors that commit to not using customer data for model training, but we cannot guarantee the practices of third parties.
• We implement technical measures (summarization, aggregation, access controls) to minimize the amount of personal financial data transmitted to AI processors.

8.4 No Endorsement

Lisle does not endorse, adopt, or ratify AI-generated content as its own professional opinion, advice, or recommendation. AI-generated outputs represent computational responses, not the professional judgment of Lisle or its employees.

8.5 User Responsibility

You are solely responsible for: (a) evaluating the accuracy, completeness, and applicability of any AI-generated content; (b) any decisions you make or actions you take based on AI-generated content; and (c) independently verifying any information provided by the AI before relying on it.

9. Household Sharing

9.1 Feature Description

The Service may include a household sharing feature that allows a primary account holder to invite another individual (typically a spouse or domestic partner) to share specified financial data within the Service.

9.2 Consent Requirements

(a) Invitation and Consent. The primary account holder may initiate household sharing by sending an invitation to another individual. The invited individual must: (i) have their own Lisle.ai account or create one; (ii) affirmatively accept the invitation; and (iii) consent to the sharing of their financial data with the primary account holder as described herein.

(b) Mutual Consent. Both parties must affirmatively consent to data sharing. Consent is granted on a per-invitation basis and may be revoked at any time as described in Section 9.4.

(c) Representation.By initiating household sharing, you represent and warrant that: (i) you have a legitimate household relationship with the invited individual; (ii) you have obtained or will obtain the invited individual's informed consent; and (iii) you will not use the household sharing feature to access another person's financial data without their knowledge and consent.

9.3 Data Sharing Scope

When household sharing is active, the following data may be shared between linked household members:

• Aggregated account balances and net worth summaries.
• Income and expense categories and summaries.
• Tax estimation data and projections (including joint filing estimates).
• Budget goals, categories, and spending data.
• Financial scenarios and projections.

The specific data shared will be as disclosed in the household sharing settings within the Service. Household members may configure the scope of data sharing within the options provided by the Service.

9.4 Revocation

Either household member may revoke sharing at any time through their account settings. Upon revocation: (a) the data connection between household accounts will be severed; (b) each User will retain their own data; (c) shared views, joint scenarios, and combined projections may no longer function; and (d) previously viewed shared data may be retained in the other User's memory, which is beyond our control.

9.5 Liability

Lisle is not responsible for: (a) disputes between household members regarding data sharing; (b) unauthorized access by a household member to the other's financial data; or (c) any consequences arising from the sharing of financial data between household members.

10. User Content and Data

10.1 User Content

"User Content" means all data, information, text, documents, files, and other materials that you provide, upload, transmit, or make available through the Service, including but not limited to financial data, uploaded documents, chat messages, and information entered into forms and tools.

10.2 Ownership

You retain all ownership rights in your User Content. Nothing in these Terms transfers ownership of your User Content to Lisle.

10.3 License Grant

By submitting User Content through the Service, you grant Lisle a limited, non-exclusive, royalty-free, worldwide license to use, process, store, reproduce, and display your User Content solely for the purposes of: (a) providing, maintaining, and improving the Service; (b) generating outputs and analysis as requested by you; (c) performing aggregated, de-identified analytics to improve the Service (no individual User data is used in identifiable form for analytics without consent); and (d) complying with applicable laws. This license terminates when you delete your User Content or your account, subject to reasonable backup and archival periods and legal retention requirements.

10.4 No Model Training

We do not use your individual User Content, personal financial data, or uploaded documents to train or fine-tune AI models. We require the same commitment from our third-party AI processors. Aggregated, de-identified, and anonymized data may be used for improving Service features and accuracy of financial models.

10.5 Accuracy of User Content

You are solely responsible for the accuracy, completeness, and legality of your User Content. The accuracy of the Service's outputs depends directly on the accuracy of the data you provide. Inaccurate or incomplete inputs will produce inaccurate or incomplete outputs.

10.6 Prohibited User Content

You may not submit User Content that: (a) infringes any third party's intellectual property or other rights; (b) contains malicious code, viruses, or harmful components; (c) is fraudulent, false, or misleading; or (d) violates any applicable law or regulation.

11. Intellectual Property

11.1 Lisle's Intellectual Property

The Service, including but not limited to its software, algorithms, machine learning models, user interface, design, text, graphics, logos, trademarks, trade names ("Lisle," "Lisle.ai"), and all other content and materials not constituting User Content (collectively, "Lisle IP"), is owned by or licensed to Lisle Technologies, Inc. and is protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property laws. All rights not expressly granted herein are reserved.

11.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your personal, non-commercial financial planning purposes during the term of your subscription.

11.3 Restrictions

You may not: (a) copy, modify, distribute, sell, lease, sublicense, or create derivative works based on the Service or Lisle IP; (b) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service; (c) remove, alter, or obscure any proprietary notices on the Service; (d) use any data mining, scraping, or automated data collection methods on the Service; (e) use the Service to build a competing product or service; or (f) use the Lisle name, logo, or trademarks without our prior written consent.

11.4 Feedback

If you provide feedback, suggestions, ideas, or recommendations regarding the Service ("Feedback"), you grant Lisle a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such Feedback into the Service without obligation to you.

12. Prohibited Uses

You agree not to use the Service to:

• (a) Violate any applicable federal, state, local, or international law or regulation.
• (b) Engage in, facilitate, or further any fraudulent, deceptive, or illegal activity, including but not limited to tax evasion, money laundering, or securities fraud.
• (c) Impersonate any person or entity or falsely state or misrepresent your identity or affiliation.
• (d)Access or attempt to access other Users' accounts, data, or any parts of the Service not intended for your use.
• (e) Interfere with, disrupt, or attempt to gain unauthorized access to the Service, its servers, databases, or connected networks.
• (f) Introduce viruses, trojan horses, worms, logic bombs, or other malicious or technologically harmful material.
• (g) Use any automated system (bot, spider, scraper) to access the Service except as expressly authorized by us.
• (h) Circumvent, disable, or otherwise interfere with security-related features of the Service, including features that prevent or restrict use or copying of content.
• (i) Use the Service to provide financial advisory, tax preparation, or other professional services to third parties, or operate the Service as a service bureau.
• (j) Abuse free trial offers, create multiple accounts to circumvent subscription limits, or otherwise abuse the pricing structure.
• (k) Upload false or fabricated financial data for any purpose other than legitimate personal scenario planning within the Service.
• (l)Attempt to extract, reverse-engineer, or replicate Lisle's proprietary tax calculation models, financial algorithms, or AI prompt engineering.
• (m)Use the Service in any manner that could disable, overburden, damage, or impair the Service or interfere with any other party's use of the Service.

13. Limitation of Liability

13.1 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF LISLE TECHNOLOGIES, INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, AND ASSIGNS (COLLECTIVELY, THE "LISLE PARTIES") ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, SHALL NOT EXCEED THE LESSER OF: (A) THE TOTAL AMOUNT OF SUBSCRIPTION FEES ACTUALLY PAID BY YOU TO LISLE DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE THOUSAND U.S. DOLLARS ($1,000).

13.2 Exclusion of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE LISLE PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE AND WHETHER THE LISLE PARTIES WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.3 Specific Financial Exclusions

WITHOUT LIMITING THE FOREGOING, THE LISLE PARTIES SHALL NOT BE LIABLE FOR:

(a) Financial Losses from Reliance on Estimates. Any financial losses, diminished returns, missed opportunities, or adverse financial outcomes arising from your reliance on any estimate, projection, scenario, simulation, AI-generated output, or other information provided by the Service, including but not limited to: investment decisions made based on Service outputs; asset allocation decisions; decisions regarding the timing of stock option exercises, RSU sales, or other equity compensation actions; and decisions regarding employment offers, salary negotiations, or job changes.

(b) Tax-Related Losses. Any tax penalties, interest, underpayments, overpayments, additional taxes owed, loss of tax benefits, missed deductions or credits, or any other adverse tax consequences arising from your reliance on tax estimates, projections, or other tax-related information provided by the Service. This includes without limitation penalties under Internal Revenue Code Sections 6651 (failure to file), 6654 (underpayment of estimated tax), 6662 (accuracy-related penalties), and comparable state and local tax penalty provisions.

(c) Third-Party Service Failures. Any losses arising from the acts or omissions of third-party service providers, including Plaid, Stripe, Anthropic, OpenAI, market data providers, or your financial institutions, including but not limited to inaccurate data, connection failures, data breaches at third parties, or processing errors.

(d) Data Accuracy. Any losses arising from inaccuracies in financial data retrieved from your linked accounts or provided by third-party data sources, regardless of the cause of such inaccuracy.

13.4 Basis of the Bargain

You acknowledge that the limitations of liability set forth in this Section 13 are a fundamental element of the basis of the bargain between you and Lisle, and that the Service would not be provided at the subscription prices offered without such limitations.

13.5 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion or limitation of incidental, consequential, or certain other types of damages. In such jurisdictions, the liability of the Lisle Parties shall be limited to the fullest extent permitted by applicable law.

14. Indemnification

14.1 Your Indemnification Obligations

You agree to defend, indemnify, and hold harmless the Lisle Parties from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to reasonable attorneys' fees and legal costs) arising out of or related to:

• (a) Your use of the Service or any activity under your account.
• (b) Your violation of these Terms, including any representation or warranty made herein.
• (c) Your violation of any applicable law, regulation, or third-party right, including any intellectual property right.
• (d)Your User Content, including any claims that your User Content infringes or misappropriates a third party's intellectual property or other rights.
• (e) Any financial, tax, investment, or legal decisions you make based on information provided by the Service.
• (f) Your negligence or willful misconduct.
• (g) Any dispute between you and a household sharing partner regarding shared data or access to the Service.

14.2 Procedure

We will provide you with prompt written notice of any claim subject to indemnification (provided that failure to provide timely notice shall not relieve you of your indemnification obligations except to the extent you are materially prejudiced by such failure). You shall have the right to control the defense and settlement of any such claim, provided that: (a) you may not settle any claim without our prior written consent if the settlement imposes any obligation on us or does not include a complete release of all Lisle Parties; and (b) we may participate in the defense with our own counsel at our own expense.

15. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL. IT CONTAINS PROCEDURES FOR MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER.

15.1 Informal Resolution

Before initiating any formal dispute resolution proceedings, you and Lisle agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") informally. The party asserting the Dispute shall send a written notice describing the nature of the Dispute and the relief sought ("Notice of Dispute") to the other party. For notices to Lisle, send to: legal@lisle.ai with the subject line "Notice of Dispute." For notices to you, we will use the email address associated with your account. The parties shall attempt in good faith to resolve the Dispute through informal negotiation for a period of sixty (60) days from the date the Notice of Dispute is received. If the Dispute is not resolved within this sixty (60) day period, either party may initiate formal proceedings as described below.

15.2 Mandatory Binding Arbitration

(a) Agreement to Arbitrate. If the Dispute is not resolved through informal negotiation, you and Lisle agree that the Dispute shall be resolved exclusively through final and binding individual arbitration, rather than in court, except as set forth in Section 15.6 (Small Claims Exception) and Section 15.7 (Opt-Out). This arbitration agreement is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16 ("FAA"), to the maximum extent permitted by applicable law, and not by any state arbitration law.

(b) Arbitration Rules.The arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (the "AAA Rules") then in effect, as modified by this Section 15. The AAA Rules are available at www.adr.org or by calling the AAA at 1-800-778-7879. If the AAA is unable or unwilling to administer the arbitration, the parties shall agree on an alternative arbitral forum. If the parties cannot agree, a court of competent jurisdiction shall appoint an arbitral forum.

(c) Arbitrator Authority. The arbitrator shall have exclusive authority to resolve all Disputes, including but not limited to disputes regarding the scope, applicability, enforceability, revocability, or validity of this arbitration agreement, and any claim that all or any part of this arbitration agreement is void or voidable. The arbitrator shall also have exclusive authority to determine the arbitrability of any Dispute (delegation clause). However, an exception to this delegation is that a court of competent jurisdiction, and not the arbitrator, shall have exclusive authority to determine the enforceability of the class action waiver in Section 15.5. The arbitrator shall have the authority to grant any remedy that would otherwise be available in court, subject to the limitations set forth in these Terms.

(d) Arbitration Process. The arbitration shall be conducted by a single arbitrator. The arbitrator shall be selected in accordance with the AAA Rules. The arbitration hearing shall take place in the county of your primary residence or, at your election, by telephone, videoconference, or based on written submissions. For claims of $25,000 or less, the arbitration shall be conducted based on written submissions unless the arbitrator determines that an in-person or telephonic hearing is necessary. The arbitrator shall issue a reasoned written decision explaining the essential findings and conclusions on which any award is based.

(e) Arbitration Fees. Payment of arbitration fees shall be governed by the AAA Rules. For claims of $75,000 or less, Lisle will pay your filing, administration, and arbitrator fees if you are unable to obtain a waiver of such fees from the AAA. If the arbitrator finds that the substance of your claim or the relief sought is frivolous or brought for an improper purpose (as measured by the standards of Federal Rule of Civil Procedure 11(b)), then the payment of all fees shall be governed by the AAA Rules, and you agree to reimburse Lisle for any fees it has paid on your behalf.

(f) Confidentiality. The arbitration proceeding and all information, testimony, documents, and materials disclosed in connection therewith shall be kept confidential by the parties, except as necessary to enforce the arbitration award or as required by applicable law.

15.3 Class Action Waiver

YOU AND LISLE AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, MULTI-PARTY, OR REPRESENTATIVE ACTION OR PROCEEDING. The arbitrator may not consolidate the claims of more than one person and may not otherwise preside over any form of class, collective, or representative proceeding. The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. If this class action waiver is found to be unenforceable, then the entirety of this arbitration agreement (except for the waiver of jury trial in Section 15.4) shall be null and void, and the Dispute shall be brought exclusively in the courts specified in Section 20, subject to Section 15.8 (Mass Arbitration).

15.4 Waiver of Jury Trial

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND LISLE WAIVE ANY RIGHT TO A JURY TRIAL IN CONNECTION WITH ANY DISPUTE, WHETHER IN ARBITRATION OR IN COURT.

15.5 Enforceability of Class Action Waiver

The enforceability of the class action waiver in Section 15.3 shall be determined exclusively by a court of competent jurisdiction and not by the arbitrator. If the class action waiver is found to be unenforceable, the provisions of Section 15.3 shall apply.

15.6 Small Claims Exception

Notwithstanding the foregoing, either party may bring an individual action in small claims court if the Dispute qualifies for small claims court jurisdiction in the county of your primary residence or in New Castle County, Delaware.

15.7 Opt-Out

You may opt out of this arbitration agreement and the class action waiver within thirty (30) days of the date you first use the Service or first agree to these Terms (whichever is earlier) by sending a written notice of opt-out to legal@lisle.ai with the subject line "Arbitration Opt-Out." Your opt-out notice must include: (a) your full legal name; (b) your email address associated with your Lisle account; (c) your mailing address; and (d) a clear statement that you wish to opt out of the arbitration agreement and class action waiver. If you timely opt out, neither you nor Lisle will be bound by the arbitration provisions of this Section 15, and any Disputes will be resolved in the courts specified in Section 20. Opting out will not affect any other terms of this Agreement. If you do not timely opt out, you will be bound by this arbitration agreement.

15.8 Mass Arbitration

(a) Definition.A "Mass Arbitration" exists when twenty-five (25) or more similar arbitration demands are filed against Lisle within a ninety (90) day period by the same or coordinated counsel.

(b) Bellwether Process. If a Mass Arbitration arises, the parties agree to the following bellwether process before any individual arbitration proceeds:

• The parties (or their counsel, if represented) shall select a random sample of ten (10) arbitration demands (five selected by claimants' counsel and five selected by Lisle) as bellwether cases.
• Only the bellwether cases shall proceed to arbitration initially. All other demands that are part of the Mass Arbitration shall be stayed pending resolution of the bellwether cases.
• After the bellwether cases are resolved, the parties shall attempt in good faith to use the results to negotiate a resolution of remaining claims within ninety (90) days.
• If a global resolution is not reached, remaining claims shall proceed to individual arbitration in batches of no more than fifty (50) at a time, in the order they were filed.

(c) Fees. In a Mass Arbitration, if the AAA or applicable arbitral forum requires Lisle to pay filing or administrative fees for all claimants simultaneously, Lisle is only required to pay fees for the bellwether cases and the current active batch. Fees for stayed cases shall be deferred until those cases become active.

(d) Applicability.This Mass Arbitration provision applies in addition to (and does not replace) the AAA's own mass arbitration procedures. In the event of a conflict between this provision and the AAA's procedures, this provision shall control to the extent permitted by the AAA Rules.

15.9 Severability of Arbitration Provisions

If any portion of this Section 15 is found to be unenforceable, the remainder of this Section 15 shall continue in full force and effect, except that: (a) if the class action waiver in Section 15.3 is found unenforceable, the entire arbitration agreement (other than the jury trial waiver) shall be null and void as stated in Section 15.3; and (b) if any portion of the Mass Arbitration provision is found unenforceable, the arbitrator (or court, as applicable) may modify that portion to the minimum extent necessary to make it enforceable.

15.10 Survival

This Section 15 shall survive termination of these Terms and your use of the Service.

16. Warranty Disclaimer

16.1 "As Is" and "As Available"

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE LISLE PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
• ANY WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS.
• ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.
• ANY WARRANTY REGARDING THE ACCURACY, COMPLETENESS, RELIABILITY, CURRENTNESS, OR AVAILABILITY OF ANY CONTENT, DATA, OR INFORMATION PROVIDED THROUGH THE SERVICE.

16.2 No Warranty of Financial Accuracy

WITHOUT LIMITING THE GENERALITY OF SECTION 16.1, THE LISLE PARTIES MAKE NO WARRANTY WHATSOEVER REGARDING:

• (a) The accuracy of tax estimates, tax projections, or any other tax-related calculations or information.
• (b) The accuracy of financial projections, Monte Carlo simulations, scenario analyses, or any other forward-looking information.
• (c) The accuracy of AI-generated content, including responses to User queries, document analysis outputs, and proactive insights.
• (d) The accuracy, timeliness, or completeness of financial data retrieved from third-party sources, including Plaid, financial institutions, and market data providers.
• (e) The accuracy of equity compensation valuations, vesting projections, or tax implications of equity awards.
• (f) The accuracy of offer letter comparisons or any assessment of the relative value of compensation packages.
• (g) The continued availability of any feature, integration, or third-party service used by the Service.

16.3 No Professional Warranty

The Service is a self-service software tool. No interaction with the Service, including AI chat, creates a professional-client relationship or warrants the professional quality of outputs. The Service does not replace the judgment of qualified financial, tax, investment, or legal professionals.

16.4 Jurisdictional Limitations

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

17. Termination

17.1 Termination by User

You may terminate your account and these Terms at any time by: (a) canceling your subscription as described in Section 5.7; and (b) deleting your account through the account settings page, or by sending a deletion request to privacy@lisle.ai.

17.2 Deletion Grace Period

Upon account deletion request: (a) your account will be deactivated immediately; (b) your data will be retained in a recoverable state for thirty (30) days following the deletion request (the "Grace Period"); (c) during the Grace Period, you may contact us at privacy@lisle.ai to reverse the deletion and restore your account; and (d) after the Grace Period expires, your User Content and personal data will be permanently deleted from our active systems, subject to: (i) applicable legal retention requirements; (ii) data retained in backup systems, which will be purged in the ordinary course; and (iii) aggregated, de-identified data that does not identify you.

17.3 Termination by Lisle

We may suspend or terminate your account and access to the Service, in whole or in part, at any time, with or without notice, for any reason, including but not limited to:

• (a) Your breach of these Terms or any incorporated policy.
• (b) Your engagement in prohibited uses as described in Section 12.
• (c) Fraudulent, abusive, or illegal activity associated with your account.
• (d) Non-payment of subscription fees.
• (e) Extended period of account inactivity (twelve (12) months or more), following written notice.
• (f) Our reasonable determination that your continued use poses a security risk or risk of liability to the Service or other Users.
• (g) Discontinuation of the Service in whole or in part.

17.4 Effect of Termination

Upon termination: (a) your license to use the Service immediately terminates; (b) Sections 7 (Financial Information Disclaimer), 8 (AI-Generated Content), 10.3 (License Grant, to the extent necessary for us to fulfill ongoing legal obligations), 11 (Intellectual Property), 13 (Limitation of Liability), 14 (Indemnification), 15 (Dispute Resolution and Arbitration), 16 (Warranty Disclaimer), 19 (General Provisions), and 20 (Governing Law) shall survive termination; and (c) any accrued obligations (including unpaid fees) shall survive termination.

17.5 No Liability for Termination

Lisle shall not be liable to you or any third party for any termination of your access to the Service, provided that we comply with the notice requirements and Grace Period set forth herein (where applicable).

18. Modifications to Terms

18.1 Right to Modify

We reserve the right to modify, amend, or update these Terms at any time at our sole discretion.

18.2 Notice of Material Changes

For material changes to these Terms (including changes to the arbitration agreement, liability limitations, pricing, or financial disclaimers), we will provide at least thirty (30) days' prior notice by: (a) sending an email to the address associated with your account; and/or (b) posting a prominent notice within the Service. The notice will describe the material changes and the date they take effect.

18.3 Acceptance of Changes

Your continued use of the Service after the effective date of any modifications constitutes your binding acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service and cancel your subscription before the effective date of the modifications.

18.4 Non-Material Changes

For non-material changes (such as typographical corrections, formatting changes, or clarifications that do not substantively alter your rights or obligations), we may update these Terms without prior notice. The "Last Updated" date at the top of these Terms will reflect the date of the most recent revision.

18.5 Archived Versions

We will maintain an archive of prior versions of these Terms, which will be available upon request by contacting legal@lisle.ai.

19. General Provisions

19.1 Severability

If any provision of these Terms is found by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, the invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties' original intent. If modification is not possible, the provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect.

19.2 Waiver

The failure of either party to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms shall be effective only if in writing and signed by the waiving party. A waiver of any right or provision on one occasion shall not be deemed a waiver of such right or provision on any other occasion.

19.3 Entire Agreement

These Terms, together with the Privacy Policy, any subscription order, and any other policies or agreements expressly incorporated herein by reference, constitute the entire agreement between you and Lisle with respect to the subject matter hereof and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written, relating to such subject matter.

19.4 Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder, in whole or in part, by operation of law or otherwise, without our prior written consent. Any attempted assignment without such consent shall be null and void. We may assign these Terms or any rights or obligations hereunder, in whole or in part, without your consent, to any successor in interest, whether by merger, acquisition, reorganization, sale of assets, or otherwise, provided that the assignee agrees to be bound by these Terms.

19.5 No Third-Party Beneficiaries

These Terms are for the benefit of, and shall be enforceable by, only the parties hereto and their respective permitted successors and assigns. Nothing in these Terms, express or implied, is intended to or shall confer upon any third party any legal or equitable right, benefit, or remedy of any nature whatsoever.

19.6 Force Majeure

Neither party shall be liable for any failure or delay in performance under these Terms (other than payment obligations) arising out of or caused by circumstances beyond the reasonable control of such party, including but not limited to: acts of God, natural disasters, pandemic, epidemic, war, terrorism, riots, civil unrest, government actions, labor disputes, power failures, internet or telecommunications failures, cyberattacks, or failures of third-party service providers.

19.7 Notices

All notices required or permitted under these Terms shall be in writing and shall be deemed given when: (a) delivered personally; (b) sent by confirmed email; or (c) sent by nationally recognized overnight courier or by certified or registered mail, return receipt requested. Notices to Lisle shall be sent to legal@lisle.ai (or such other address as we may designate). Notices to you shall be sent to the email address associated with your account.

19.8 Headings

The section headings in these Terms are for convenience only and shall not affect the interpretation of these Terms.

19.9 Relationship of Parties

Nothing in these Terms shall be construed to create a joint venture, partnership, employment, franchise, or agency relationship between you and Lisle. Neither party has the authority to bind the other or to incur any obligation on the other's behalf.

19.10 Electronic Communications

You consent to receive communications from us electronically, including emails, in-app notifications, and postings on our website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

20. Governing Law

20.1 Choice of Law

These Terms and any Dispute arising out of or relating to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles that would cause the application of the laws of any other jurisdiction.

20.2 Jurisdiction

Subject to the arbitration agreement in Section 15, any Dispute not subject to arbitration (or for which arbitration is not enforceable) shall be brought exclusively in the state or federal courts located in New Castle County, Delaware. You consent to the personal jurisdiction and venue of such courts and waive any objection based on inconvenient forum.

20.3 Federal Arbitration Act

The parties acknowledge and agree that this Agreement evidences a transaction involving interstate commerce and that the Federal Arbitration Act, 9 U.S.C. Sections 1-16, shall govern the interpretation and enforcement of the arbitration agreement in Section 15. To the extent state law is applied to any aspect of the arbitration agreement, the laws of the State of Delaware shall apply.

21. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Lisle.ai, Inc., 2261 Market Street #4458, San Francisco, CA 94114
Email: legal@lisle.ai

For dispute resolution notices, please use the subject line "Notice of Dispute" and include the information specified in Section 15.1.

For arbitration opt-out notices, please use the subject line "Arbitration Opt-Out" and include the information specified in Section 15.7.

For data deletion requests, please email privacy@lisle.ai with the subject line "Data Deletion Request."

For general support inquiries, please visit our help center or email support@lisle.ai.

BY USING THE LISLE.AI SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.

Lisle Technologies, Inc. — All rights reserved.