Section 1. Definitions

As used throughout these Terms, the following definitions shall apply:

1. "Company," "we," "us," or "our" means Alphora Group and its affiliates, subsidiaries, successors, and licensees.
2. "Platform" or "Service" means Alphora Insights, including the website (insights.alphoragroup.com), applications, application programming interfaces (APIs), and all related features, tools, content, and services provided by the Company, regardless of the form or method of access.
3. "User" or "you" means any natural person or legal entity that accesses, browses, registers for, or uses the Service in any manner.
4. "Account" means the account and associated access credentials obtained by a User upon completing the registration process.
5. "Content" means all text, data, charts, indicators, summaries, analytical reports, notifications, AI-generated outputs, and related information provided through the Platform, regardless of form.
6. "AI-Generated Content" means text summaries, sentiment analyses, quantitative interpretations, or other machine-learning outputs automatically generated by the Platform's artificial intelligence models pursuant to algorithmic processes, including any errors, biases, or hallucinations inherent to such models.
7. "Financial Information" means market quotes, financial data, quantitative indicators, historical backtesting results, or simulated data displayed on the Platform, all of which constitute general reference information only and do not constitute investment advice.
8. "Subscription Plan" means a paid tier of features or advanced service level accessible upon payment of applicable fees.
9. "Third-Party Services" means external data, APIs, tools, or platforms not provided by the Company but potentially integrated into the Service.
10. "Force Majeure Event" means any cause beyond the Company's reasonable control, including but not limited to natural disasters, war, terrorist attacks, government orders, power outages, telecommunications failures, cyberattacks, distributed denial-of-service (DDoS) attacks, network infrastructure failures, or third-party service provider outages.
11. "Protected Persons" means the Company's directors, supervisors, employees, agents, affiliates, licensors, service providers, and their respective successors, each of whom is entitled to invoke the limitations of liability and disclaimers set forth in Section 13 of these Terms to the same extent as the Company.

Section 2. Acceptance of Terms and Formation of Agreement

These Terms constitute a legally binding agreement between you and the Company. The agreement is formed and governed as follows:

1. You must affirmatively check the consent box during account registration to indicate your agreement to these Terms. If you do not complete this affirmative step, the Company will not process your application, and you may not use the Service.
2. Upon completing the affirmative consent, these Terms become effective between the parties. Your continued access to or use of any portion of the Service thereafter constitutes your ongoing acknowledgment of and agreement to be bound by these Terms.
3. If you are accessing the Service on behalf of a legal entity or organization, you represent and warrant that you have the authority to bind such entity to these Terms, and that such entity is fully bound hereby. If it is subsequently determined that you lacked such authority, you shall be personally liable for all damages suffered by the Company as a result.
4. The Company reserves the complete, unrestricted, and unilateral right to amend these Terms at any time. Following publication pursuant to Section 17, your continued use of the Service shall constitute your irrevocable acceptance of the amended Terms in their entirety, regardless of whether you have actually reviewed the amendments.
5. By using the Service, you represent and warrant that you have fully read, understood, and accepted these Terms, including all disclaimers, limitations of liability, and dispute resolution provisions, and that you accept full and independent responsibility for your use of the Service and any investment decisions you make.

Section 3. Nature of Service and Legal Characterization

A. Services Provided by the Platform

The Platform is a financial information aggregation and AI-powered analytics tool platform. Services provided include, but are not limited to:

1. Collecting, organizing, and displaying publicly available market information, data indicators, and quantitative data;
2. Providing AI-assisted information summaries, sentiment analyses, and data visualizations;
3. Providing hypothetical historical scenario displays, quantitative backtesting information, and simulated data for reference;
4. Providing portfolio tracking, watchlist management, and other informational management tools;
5. Providing user-customizable market information notification features;
6. Providing market dashboards, sentiment indicators, and phased review planning tools;
7. Providing subscription-based advanced features, including institutional-grade data dashboards, CFO Dashboard, and API access.

B. Services the Platform Explicitly Does Not Provide — Legal Boundary

1. Any form of investment advice, investment recommendations, solicitation of securities transactions, or individualized investment strategy recommendations;
2. Recommendations regarding the purchase or sale of any specific securities, financial instruments, digital assets, or derivatives;
3. Investment advisory services, discretionary investment management, or any financial services requiring regulatory authorization under the Securities Investment Trust and Consulting Act;
4. Futures advisory, futures trust, futures proprietary trading, or futures brokerage activities under the Futures Trading Act;
5. Serving as a custodian, trustee, or clearing institution for any securities or financial instruments;
6. Forming any relationship of agency, trust, partnership, joint venture, employment, or fiduciary duty with any User;
7. Accepting user mandates to manage or operate any assets, funds, or accounts;
8. Making any guarantee or promise regarding any investment target, market trend, or investment outcome.

The Company does not hold a Securities Investment Advisory Enterprise license under Article 4 of the Securities Investment Trust and Consulting Act, nor a Futures Advisory Enterprise license under Article 82 of the Futures Trading Act.

Section 4. User Eligibility and Representations

A. Eligibility Requirements

Use of the Service is conditioned upon satisfying all of the following requirements simultaneously. By completing account registration, you irrevocably represent and warrant to the Company that:

1. You are at least eighteen (18) years of age and have full legal capacity under the laws of the Republic of China (Taiwan) or the laws of your jurisdiction, and have not been subject to a declaration of guardianship or assistantship;
2. You have not been prohibited from using financial information services by any judicial or administrative judgment, disposition, or order;
3. You are not listed on any international sanctions list of the Republic of China (Taiwan), the United States, the European Union, the United Nations, or any applicable jurisdiction;
4. All account information you provide is true, accurate, and complete, and does not contain any false or misleading content;
5. You have sufficient understanding of the nature and limitations of financial information platforms and accept full responsibility for all investment decisions and associated risks.

B. Ongoing Representations

Throughout your use of the Service, you continuously represent and warrant that: your use of the Service complies with all applicable laws of your jurisdiction; there are no legal restrictions or prohibitions that may affect your use of the Service; and all information you provide remains true, accurate, and complete.

C. Consequences of Ineligibility

If you do not satisfy the eligibility requirements, you may not use the Service. Upon discovery of ineligibility, the Company may immediately suspend or terminate your Account without notice and reserves all rights to seek damages under applicable law. All legal liabilities and losses arising from use of the Service by an ineligible user shall be borne entirely by such user; the Company shall bear no joint, supplementary, or other form of liability.

Section 5. Account Creation, Management, and Security

A. Account Creation

• You must complete account registration using truthful and accurate information and must keep such information current at all times;
• Each user is limited to one Account. You may not create multiple accounts, use another person's account, or circumvent this limitation in any manner;
• All rights in an Account are personal to the registered user and may not be assigned, sold, lent, or transferred to any third party in any form.

B. Account Security Obligations

• You bear the complete obligation to maintain and safeguard your account login credentials with reasonable care;
• You are fully responsible for all activities occurring under your Account, whether or not authorized by you. The Company shall not be liable for any losses arising from unauthorized use of your Account by any third party;
• If you discover any unauthorized access to your Account, you must immediately notify the Company at info@alphoragroup.com;
• The Company will never request your password or verification code through any unofficial channel;
• All losses arising from your failure to adequately safeguard your account credentials shall be borne entirely by you;
• The Company may periodically require you to re-verify your identity based on reasonable security requirements. You may not assert any claim for damages or request a refund on this basis.

Section 6. User Obligations

Throughout your use of the Service, you shall continuously comply with the following obligations:

• Comply with all applicable laws, regulations, and regulatory requirements of the Republic of China (Taiwan) and your jurisdiction;
• Provide and continuously maintain truthful, accurate, and complete account and personal information;
• Accept full and independent responsibility for the judgment, execution, and outcome of any decisions made using the Service;
• Ensure that any content you upload or transmit through the Service is legally authorized and does not infringe upon the copyrights, trademark rights, privacy rights, or other legal interests of any third party;
• Corporate users must ensure that authorized representatives hold sufficient and valid authority to act on behalf of the entity;
• You may not make the Service available to any person under the age of eighteen (18);
• You may not charge third parties or provide any form of investment advisory services using information obtained through the Service, under any name;
• You are solely responsible for independently evaluating your financial situation and risk tolerance, and for consulting a duly licensed financial professional when necessary. The Company shall not be liable for any losses arising from your failure to obtain professional advice.

Section 7. Prohibited Conduct

You expressly agree not to engage in any of the following conduct. Violations may result in termination of your Account pursuant to Section 18, legal proceedings for damages, and recovery of attorneys' fees:

A. Unlawful Use

• Using the Service in violation of any applicable law, regulation, or regulatory requirement;
• Using the Service to engage in any conduct that violates the Securities Exchange Act, the Securities Investment Trust and Consulting Act, the Futures Trading Act, or other financial regulatory laws;
• Engaging in money laundering, terrorist financing, or any conduct violating the Money Laundering Control Act;
• Using the Service in any manner that could expose the Company to legal liability or regulatory violation.

B. Technical Abuse

• Accessing the Platform, any Account, API, backend systems, or related infrastructure by any unauthorized means;
• Reverse engineering, decompiling, disassembling, cracking, or otherwise attempting to extract the source code of the Service;
• Without the Company's prior written authorization, using web crawlers, bots, automated tools, or any non-manual means to scrape, collect, or bulk extract Platform content or data;
• Uploading, distributing, or introducing malicious code, computer viruses, or any software that disrupts the Platform's normal operation;
• Launching any form of interference, cyberattack, or distributed denial-of-service (DDoS) attack against the Platform's servers, network, or infrastructure;
• Circumventing, disabling, damaging, or otherwise bypassing any of the Platform's security mechanisms, access controls, or paywalls;
• Using any technical means to share an Account or allow multiple persons to use a single Subscription Plan;
• Using the Platform's AI features, APIs, or data for automated trading, algorithmic decision-making, or any purpose other than direct human use.

C. Content Abuse

• Reproducing, republishing, redistributing, reselling, renting, publicly broadcasting, or commercially exploiting any portion of the Service, except as expressly permitted by law or by the Company's prior written authorization;
• Impersonating any person, the Company's employees, regulatory personnel, or misrepresenting your identity, qualifications, or authority;
• Presenting or marketing AI-Generated Content, data, or any other output from the Service as investment advice, investment analysis, investment reports, or any form of financial consulting services, under any personal or commercial name;
• Using the Service to distribute any content that is misleading, fraudulent, defamatory, harassing, or that infringes upon the legal rights of any third party;
• Quoting any information or AI-Generated Content from the Service out of context in a manner that could cause others to believe such content constitutes official advice or endorsement from the Company or any third party.

Section 8. Personal Data Protection

• The Company's collection, processing, use, and protection of personal data are governed by our Privacy Policy. The Privacy Policy is incorporated into these Terms by reference and carries equal legal force. The Privacy Policy is available at all times on the Platform's official website.
• Your use of the Service constitutes your acknowledgment that you have read and agreed to the Privacy Policy in its entirety. If you do not agree to the Privacy Policy, you must immediately cease using the Service. The Company shall not be liable for any losses resulting from such cessation.
• The Company's notice obligations under Article 8 of the Personal Data Protection Act are set forth in detail in the Privacy Policy.
• To exercise any statutory rights relating to your personal data, you must submit a written or email request to the Company at info@alphoragroup.com. The Company will respond within the scope required by applicable law and may charge a reasonable administrative fee. The Company has no obligation to provide, restore, or reconstruct data that has exceeded its retention period or that is technically irrecoverable.

Section 9. Intellectual Property

All content on the Platform and in the Service is fully protected by the Copyright Act, the Trademark Act, and other applicable intellectual property laws, and constitutes the exclusive property of the Company or its licensors.

• The Company grants you a limited, non-transferable, non-exclusive, revocable-at-will license for personal use to access and use the Service in accordance with these Terms. This license expressly and completely excludes: reproducing, modifying, adapting, or creating any derivative works; commercially exploiting any content from the Service; disassembling or reverse engineering any technical component of the Service; and removing or altering any copyright or proprietary notices.
• The Platform's AI models, algorithms, training datasets, output formats, and all technical architecture constitute the Company's trade secrets and core intellectual property. Any reproduction, research, imitation, extraction, or reuse in any form is strictly prohibited. Violations will entitle the Company to seek all available remedies at law, including injunctive relief and damages.
• You retain ownership of the intellectual property rights in content you submit or upload to the Service; however, you grant the Company a non-exclusive, worldwide, sub-licensable, royalty-free, perpetual license to reproduce, modify, distribute, and use such content for the purposes of providing, operating, improving, and developing the Service. You may not assert any claim for compensation or damages in connection with the foregoing.
• The Company's name, trademarks, service marks, and related identifying marks may not be used in any manner without the Company's prior written authorization.

Section 10. Third-Party Services and External Links

• The Service may integrate data, services, APIs, or features from third-party providers, including but not limited to identity verification, payment processing, cloud infrastructure, market data supply, and AI functionality. The Company makes no representations or warranties of any kind regarding such third parties' service quality, accuracy, availability, security, or continued operation, and accepts no liability whatsoever for any losses arising from defects, errors, interruptions, terminations, or any actions of third-party services.
• Your use of third-party services is subject to such third parties' terms of service and privacy policies in their entirety. The Company bears no responsibility for the actions or policies of third parties, or for any disputes between you and any third party.
• The Platform may include hyperlinks to third-party websites. The inclusion of any link does not constitute the Company's endorsement, recommendation, or approval of such websites in any form. Your access to any external link is entirely at your own risk; the Company shall not be liable for any losses arising from your visit to external links.
• The Company does not independently verify the accuracy, timeliness, or completeness of data from any third-party data provider, and bears no liability whatsoever for any losses arising from third-party data errors, delays, or omissions.

Section 11. Disclaimer of Warranties

A. Complete Exclusion of Investment Advice; Disclaimer of Fiduciary Relationship

All information, data, AI-generated content, quantitative indicators, sentiment indicators, analytical displays, notifications, and related features provided through the Service are for general informational purposes only and do not constitute, and shall not be construed as, any form of investment advice, investment recommendation, solicitation to invest, buy/hold/sell recommendation, financial planning, wealth management, legal, tax, or accounting advice. The Company is not your investment advisor, financial advisor, trustee, broker, or fiduciary in any form. Your use of the Service does not create any relationship of agency, trust, partnership, or professional advisory between you and the Company, regardless of your degree of reliance on or expectations of the Service.

B. "AS IS" and "AS AVAILABLE" Basis; Exclusion of All Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranty of any kind. To the maximum extent permitted by applicable law, the Company expressly and completely disclaims all warranties, whether express or implied, including but not limited to: the implied warranty of merchantability; the implied warranty of fitness for a particular purpose; the implied warranty of non-infringement; any warranty as to the accuracy, completeness, timeliness, or reliability of information; any warranty as to continuous availability, specific uptime, or error-free operation; and any warranty that the Service is free from attacks, viruses, interference, or intrusion of any kind.

C. No Warranty as to Data Accuracy

The Company makes absolutely no warranty as to the accuracy, completeness, timeliness, reliability, or fitness for any particular purpose of any information provided through the Service. Platform data may contain errors, omissions, or inconsistencies; market data may be delayed; some information relies on third-party sources that the Company cannot independently verify. Any data errors shall not constitute grounds for any claim against the Company and shall not affect the application of the limitation of liability provisions herein.

D. Special Disclaimer Regarding AI-Generated Content

AI-Generated Content is automatically produced based on algorithms, training data, and statistical models. Users should be aware of the following known inherent characteristics:

• AI-Generated Content may contain errors, biases, or statistical hallucinations, meaning the model may output incorrect information with high confidence;
• The same query may produce different responses; outputs are not stable or reproducible;
• Outputs reflect biases in training data and may not correspond to current market realities;
• The suitability of AI outputs for financial decision-making has not been evaluated or verified in any manner.

The Company makes no warranty whatsoever as to the accuracy, completeness, timeliness, or suitability of AI-Generated Content and accepts no liability therefor. AI-Generated Content does not represent the Company's views, opinions, or recommendations and does not constitute an evaluation or recommendation regarding any investment target. You may not use AI-Generated Content as the basis for any investment decision, nor may you present or market such content as investment advice or financial consulting services. Violations will entitle the Company to immediately terminate your Account and to pursue all available legal remedies.

E. Disclaimer Regarding Historical Performance and Simulated Data

The Service may display simulated performance, backtesting results, or hypothetical scenario analyses. Such data is calculated based on historical data under specific assumptions; it does not reflect actual trade execution and does not account for transaction costs, slippage, taxes, or other factors affecting actual performance. Past performance does not represent and does not guarantee future performance. The Company bears no liability for the outcome of any decision made based on such data.

F. Disclaimer Regarding System Risks and Service Availability

The Company accepts no liability for network latency, connection interruptions, server failures, data transmission delays, platform unavailability, service interruptions caused by Force Majeure Events, or any impact of third-party system failures on the Service. The Company shall bear no liability for any investment losses or other losses incurred during any period of service interruption.

Section 12. Investment Risk Disclosure

A. General Market Risk

Financial market prices may fluctuate dramatically over short periods, and losses may be substantial, potentially exceeding the amount of your initial investment. Past performance does not represent and does not guarantee future performance. Data, indicators, and analytical content displayed on the Service do not predict market movements and do not guarantee any investment outcome.

B. Special Risks Associated with Digital Assets

Digital assets (including cryptocurrencies, tokens, etc.) carry extreme volatility, regulatory uncertainty, and liquidity risk. Prices may fall dramatically or become worthless in a very short time. Any digital asset-related information provided through the Service does not constitute a recommendation or endorsement of any specific digital asset. You assume all risks and legal liabilities associated with digital asset investment.

C. Leverage and Derivatives Risk

Investments involving leverage, derivative financial instruments, or futures may result in losses exceeding your initial capital. The Service does not provide trading services for such instruments. Any information relating to such instruments constitutes general description only and does not constitute a trading recommendation or operational advice.

D. User's Full Responsibility for Investment Decisions

E. Regulatory, Tax, and Compliance Risk

You are solely responsible for complying with all applicable laws, regulations, regulatory requirements, and tax obligations of your jurisdiction relating to your use of the Service and any investment activities. The Company accepts no liability for any tax consequences, compliance obligations, or legal liabilities arising from your use of the Service.

Section 13. Limitation of Liability

A. Complete Exclusion of Indirect, Incidental, and Special Damages

To the maximum extent permitted by applicable law, the Company and all Protected Persons shall not be liable for any of the following damages arising from your use of or inability to use the Service: indirect damages; incidental damages; special damages; consequential damages; punitive damages; loss of profits; loss of data; loss of goodwill; trading losses; business interruption; any form of investment loss or financial loss — regardless of whether the Company has been advised of the possibility of such damages.

B. Absolute Cap on Damages

Notwithstanding any other provision of these Terms, if the Company is found liable under applicable law, the Company's total aggregate liability to you arising from the same event or series of related events shall not exceed the lesser of: (i) the total fees actually paid by you to the Company in the twelve (12) months preceding the date of the claim; or (ii) New Taiwan Dollars Five Thousand (NTD 5,000). If you have never paid any fees, the absolute cap shall be New Taiwan Dollars One Thousand (NTD 1,000). This cap applies to all forms of claims, including but not limited to contract claims, tort claims, claims based on unjust enrichment, and claims under any other legal theory. Regardless of the number or nature of claims you assert, the Company's total aggregate liability shall not exceed this absolute cap.

C. Exceptions to Limitation of Liability

The foregoing limitations shall not apply to: (i) losses caused by the Company's willful misconduct or gross negligence; (ii) damages that applicable law mandatorily prohibits from being excluded by contract; or (iii) damages arising from personal injury or death. These exceptions are mandated by applicable law and shall be narrowly construed; they shall not be expanded by any user claim.

D. Statutory Preservation of Consumer Rights

If you are a consumer (a natural person using the Service for non-commercial purposes), the provisions of these Terms limiting or excluding the Company's liability shall not take effect to the extent they conflict with the mandatory provisions of the Consumer Protection Act. Any such conflicting provisions shall be void to the extent of the conflict; all other provisions shall remain in full force and effect.

Section 14. Indemnification

You shall fully indemnify, defend, and hold harmless the Company and all Protected Persons from and against any claims, damages, losses, liabilities, proceedings, arbitration proceedings, or administrative proceedings arising from any of the following, and shall reimburse the Company for all attorneys' fees, litigation costs, arbitration costs, settlement amounts, and other reasonable expenses incurred thereby:

1. Your breach of any provision of these Terms or the Company's Privacy Policy;
2. Any unlawful or improper conduct, including but not limited to fraud, money laundering, infringement of third-party rights, or violation of any mandatory legal provision;
3. Improper use of the Service, including but not limited to misuse of AI features, circumvention of the Company's security measures, or interference with the normal operation of the Service;
4. Infringement of any third party's copyright, trademark, patent, trade secret, or other intellectual property rights;
5. Providing false, fraudulent, or misleading information that causes harm to the Company or any third party;
6. Any act or omission by you that results in the Company being subject to regulatory penalties, corrective orders, damage claims, or involvement in any administrative or judicial proceedings;
7. Your breach of any representation or warranty set forth in Section 4;
8. Third-party claims against the Company arising from your presentation of the Service's content as investment advisory services;
9. Your use of the Service's AI features or data for automated trading or algorithmic operations expressly prohibited by these Terms;
10. Any third-party claim against the Company arising from your use of the Service.

Section 15. Modification, Suspension, and Termination of Service

• The Company reserves the complete, absolute, and unilateral right, not subject to challenge by any User, to modify, suspend, interrupt, or terminate the Service (or any portion, feature, interface, or pricing thereof) at any time, for any reason, without prior notice, including but not limited to technical maintenance, feature updates, business strategy adjustments, regulatory compliance needs, or the Company's business judgment. This unilateral right is a fundamental condition of the provision of the Service, and you irrevocably accept this arrangement upon agreeing to these Terms.
• The Company will endeavor to provide advance notice of planned service interruptions. For unplanned interruptions, the Company will use reasonable efforts to restore service, but shall not be liable for any losses arising from any service interruption, modification, or termination, including investment losses incurred due to your inability to access the Service.
• The Company may at any time, based on regulatory requirements, supervisory orders, or its business judgment, restrict access to the Service by users in specific regions or of specific types, without prior notice and without incurring any liability therefor.
• The Company shall bear no liability whatsoever for any direct or indirect losses arising from the exercise of the foregoing unilateral rights.

Section 16. Fees, Subscriptions, and Payment Terms

• Access to certain features requires payment of applicable fees. All subscription fees are as set forth in the Company's published pricing schedule. The Company reserves the complete unilateral right to adjust pricing at any time. Updated pricing will be published in advance. Your continued use of the Service following such publication constitutes your irrevocable acceptance of the updated pricing.
• Payments are processed by a third-party payment processor that holds PCI-DSS compliance certification. The Company does not store complete payment card information in its own systems, and bears no liability for the actions of the payment processor or the security of its platform.
• All subscription fees are non-refundable once a subscription has been established and payment successfully processed, regardless of whether you actually use the subscribed features, unless otherwise required by applicable law or confirmed in writing by the Company. The Company may use account records, login timestamps, IP address logs, and usage records as the basis for evaluating any refund request or payment dispute, and reserves the unilateral right to deny any refund request.
• If you fail to make payment as agreed, the Company may immediately suspend or terminate your subscription and Account without notice or grace period, and reserves all rights to collect outstanding amounts, including accruing late interest and recovering collection costs. You may not assert any claim for damages on the basis of account suspension.

Section 17. Unilateral Right to Amend These Terms

• Amended Terms take effect upon publication on the Company's official website. The Company is not obligated to notify each user individually by email.
• For material changes affecting your substantive rights, the Company may post a notice on the website homepage, login page, or other appropriate location, displayed for at least five (5) days prior to the effective date. Emergency amendments required for regulatory compliance may take effect immediately without the five-day notice period.
• The amended Terms take effect on the date indicated in the publication. Your continued use of the Service following the effective date of any amendment constitutes your irrevocable acknowledgment, understanding, and full acceptance of the amended Terms, regardless of whether you have actually reviewed the amendments. If you do not accept the amended Terms, your sole remedy is to immediately terminate your Account pursuant to Section 18(C). The Company shall not be liable for any losses arising from account termination.
• The Company reserves the complete right to add, modify, or remove any features, interfaces, or pricing of the Service at any time without notifying Users. Such adjustments do not constitute amendments to these Terms and require no publication process.

Section 18. Suspension and Termination of Accounts

A. Company-Initiated Termination

The Company may immediately suspend or terminate your Account and all access rights, without prior notice and without incurring any liability, in any of the following circumstances:

• Your breach of any provision of these Terms;
• The Company's reasonable suspicion that you are involved in fraud, abuse, market manipulation, or unlawful activities;
• Your conduct creates a material security, legal, or reputational risk to the Company, other users, third parties, or the Platform;
• Regulatory authority requirement, judicial order, or legal mandate;
• Your Account has been inactive for an extended period (exceeding twelve (12) months);
• The Company's business judgment, including but not limited to the Company's decision to discontinue a specific service, exit a particular market, or undertake a business reorganization.

B. Effect of Termination

Upon suspension or termination of your Account, your authorization to use the Service terminates immediately and irrevocably. The Company may delete your account data and shall not be liable for any losses arising from the suspension or termination of your Account. The Company is under no obligation to provide an explanation for its termination decision and does not guarantee that you will be able to retrieve or export any data. The no-refund provisions herein survive Account termination in their entirety.

C. User-Initiated Termination

You may request termination of your Account at any time by sending an email to the Company. Following Account termination, you may not access the Service. Subscription fees are governed by Section 16 and shall not be refunded. You may not assert any claim for refunds or damages on the basis of Account termination.

D. Survival

The following Sections shall survive any termination of these Terms or your Account and shall remain in full force and effect regardless of the reason for termination: Section 9 (Intellectual Property), Section 11 (Disclaimer of Warranties), Section 12 (Investment Risk Disclosure), Section 13 (Limitation of Liability), Section 14 (Indemnification), and Section 21 (Governing Law and Jurisdiction).

Section 19. Cookies, Tracking Technologies, and Data Use

The Service uses various tracking technologies, including cookies, local storage (LocalStorage), session storage (SessionStorage), and third-party analytics tools, to improve service quality and operational efficiency.

• Your use of the Service constitutes your consent to the use of all of the foregoing technologies. The Company does not provide individual opt-out mechanisms, except as required by applicable law.
• The Company may use anonymized or de-identified user behavioral data for service improvement, A/B testing, and feature development, without requiring additional consent. You may not assert any rights in connection with the foregoing.
• The Company does not sell users' personal data. Details of data use are governed by the Privacy Policy.
• The Company may adjust the types and purposes of tracking technologies at any time based on operational needs. Non-material technical adjustments do not require user notification.

Section 20. Notices

• Notices from the Company to you under these Terms may be delivered by website publication, service page display, login prompts (including but not limited to pop-up windows), or other appropriate digital means, and shall be deemed validly delivered upon dispatch, without requiring your confirmation of receipt. You may not deny the effectiveness of any notice on the grounds that you did not actually read it. The Company is not obligated to use email as the sole means of fulfilling its notification obligations.
• Notices from you to the Company must be sent by email to info@alphoragroup.com. Email notices are effective upon the Company's confirmation of receipt.

Section 21. Governing Law and Jurisdiction

• These Terms and any dispute arising out of or in connection with these Terms or the Service shall be governed exclusively by the laws of the Republic of China (Taiwan), to the exclusion of any conflict of laws principles.
• Any dispute arising out of or in connection with these Terms or the Service shall be submitted exclusively to the Taiwan Taipei District Court as the court of first instance, with all other courts' jurisdiction fully excluded, except as otherwise required by applicable mandatory law.
• The parties shall first attempt to resolve any dispute through negotiation before initiating formal legal proceedings.
• If any provision of these Terms is held to be invalid or unenforceable, such provision shall be void to the extent of such invalidity or unenforceability, and all remaining provisions shall continue in full force and effect (severability).

Section 22. General Provisions

• These Terms and the Company's Privacy Policy constitute the entire agreement between you and the Company with respect to the Service, superseding all prior oral or written agreements, undertakings, or representations between the parties relating to the Service.
• The Company's failure to exercise or delay in exercising any right under these Terms shall not constitute a waiver of such right. A waiver in respect of any particular circumstance shall not constitute a continuing waiver in respect of the same or similar circumstances, and shall not limit the Company's right to fully exercise its rights under these Terms at any future time.
• The Chinese (Traditional Chinese) version of these Terms is the official and sole legally authoritative version. Any versions in other languages are for reference only. In the event of any ambiguity or conflict, the Chinese version shall be the final determinative authority.
• You may not assign, transfer, or encumber any of your rights or obligations under these Terms in any manner. The Company may assign all or any portion of its rights and obligations under these Terms in connection with a corporate reorganization, merger, acquisition, or business transfer, with appropriate notice to users. You may not assert any rights or claims for damages in connection with any such assignment.
• Section headings are for convenience of reference only and shall not affect the interpretation or legal effect of any provision.