Finelo: Subpilot Terms of Use

Welcome to Finelo: Subpilot! These Terms of Use ("Terms") govern your access to and use of the Finelo: Subpilot mobile application (the "App"), provided by Suberlis Tech Corp ("we," "us," or "our").

By using the App, you agree to be bound by these Terms. If you do not agree to any part of these Terms, you must not use the App.

Sections of the most attention

Privacy And Your Personal Information

Description Of The Services

Finelo: Subpilot's Non-Financial Services Disclaimer

Finelo: Subpilot Bill Negotiation

Finelo: Subpilot Subscription Cancellation

Intellectual Property Rights

Limitations On Finelo: Subpilot’s Liability

Contact Information

1. General Terms

These Terms constitute a legally binding agreement between you and Finelo: Subpilot, governing your use of the App. They describe your rights and responsibilities when using the App.

2. Accepting The Terms

By accessing or using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to any of these Terms, you may not use the App. Your use of the Services in any way means that you agree to all of these Terms, and these Terms will remain in effect while you use the Services.

BY CLICKING "I ACCEPT" OR OTHERWISE ACCESSING OR USING THE APP, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT USE THE APP AND SHOULD IMMEDIATELY DELETE IT FROM YOUR DEVICE. YOUR CONTINUED USE OF THE APP CONSTITUTES YOUR UNCONDITIONAL ACCEPTANCE OF THESE TERMS.

Privacy And Your Personal Information

Your privacy is very important to us. Our Privacy Policy, available within the App, explains how we collect, use, and protect your data. As stated below, any user-generated data that is entered into Finelo: Subpilot is neither saved on a server nor distributed. User-generated data is exclusively stored on a user’s device**.** We do not collect personal information that can identify you, except when you voluntarily provide it for support or feedback purposes.

Description Of The Services

Finelo: Subpilot is a personal financial management platform designed to help users track and manage their subscriptions and recurring payments. The App enables you to manually input and organize your subscription details, view upcoming payment due dates. Our focus is on delivering proactive, user-centric solutions to improve your financial awareness regarding recurring expenses. The App is a tool for personal financial management and does not provide financial advice.

Access to the Services and its features is currently offered on a subscription basis. Users pay a recurring membership fee for access to the platform. This subscription grants you full access to all current and future features of Finelo: Subpilot for the duration of your subscription term. Subscriptions are typically managed through your device's app store (e.g., Apple App Store), and payment will be charged to your associated account at the confirmation of purchase and at the beginning of each renewal period. The specific pricing, subscription terms (e.g., monthly, annual), and renewal policies will be presented to you at the point of subscription within the App or through the app store. You are responsible for managing your subscription, including cancellations, through your app store account settings.

5. Account Information From Third-Party Sites

Finelo: Subpilot does not connect directly to your bank accounts, credit cards, or other financial institutions. All subscription and payment data is manually entered by the user. We do not obtain or store any account information from third-party sites.

6. Finelo: Subpilot Offers And Third-Party Links

Finelo: Subpilot does not offer any financial products, services, or promotions from third-party companies. The App may contain links to third-party websites or resources solely for your convenience. We do not control and are not responsible for the content, accuracy, policies, practices, or availability of any third-party websites or services. Your use of such websites is entirely at your own risk and is subject to the terms and conditions of those third parties.

We make no warranties or representations regarding any third-party content, products, or services that may be accessed through links provided within the Services, and we will not be liable for any loss or damage that may arise from your use of such sites.

7. Your Use of the Services

The Services are only offered and available to users who are 18 years of age or older, or of legal age to contract, whichever is older. While we do not currently perform age verification, we reserve the right to implement such measures in the future to ensure compliance with age-related restrictions.

You represent and warrant that you will only use the Services for your own internal, personal, non-commercial use, and not on behalf of or for the benefit of any third party, and only in a manner that complies with all applicable local, state, national, and international laws, rules, and regulations, including, without limitation, privacy laws and intellectual property laws.

Further, you represent, warrant, and agree that you will not contribute any Content or User Submission (each of those terms as defined below) or otherwise use the Services or interact with the Services in a manner that:

• Infringes, misappropriates, or otherwise violates the intellectual property rights or other proprietary rights of any third party (including Suberlis Tech Corp);

• Violates any applicable law, regulation, or governmental order;

• Is unlawful, harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, offensive, or otherwise objectionable;

• Compromises the security of your device or any other account (e.g., by permitting unauthorized access or impersonation);

• Attempts to obtain or misuse any password, account information, or other security credentials of another user;

• Breaches the security of any network, or attempts to probe, scan, or test the vulnerability of any system or network without authorization;

• Uses any automated system, including without limitation “robots,” “spiders,” “offline readers,” or similar tools, to access the Services in a manner that sends more request messages to our systems than a human can reasonably produce in the same period;

• Transmits or enables the sending of unsolicited email, junk mail, “spam,” or chain letters through or in connection with the Services;

• Runs any processes that operate or are activated while the user is not actively using the App, or otherwise interferes with the proper functioning of the Services, including by placing an unreasonable load on the system infrastructure;

• Accesses, scrapes, crawls, indexes, or otherwise collects information from any part of the Services or Content through unauthorized means;

• Copies, stores, republishes, or distributes any substantial portion of the Content, except as expressly permitted by the Company;

• Decompiles, reverse engineers, disassembles, or otherwise attempts to derive the source code or underlying structure, ideas, or algorithms of the Services.

If, at any time, you do not meet all of these requirements or violate any of the foregoing, we reserve the right to immediately terminate or suspend your access to the App and its Services without prior notice or liability.

8. Not A Financial Planner, Broker Or Tax Advisor

Finelo: Subpilot provides a personal financial management tool. We are not financial planners, brokers, tax advisors, or credit counselors. The information provided by the App is for informational purposes only and should not be construed as financial, legal, or tax advice. You are solely responsible for your financial decisions.

9. Use With Your Mobile Device

Finelo: Subpilot is designed for use on mobile devices. You are responsible for ensuring that your device meets the App's requirements and that you have a working internet connection if needed for certain features (e.g., downloading updates). When accessing the Services through a mobile device, you acknowledge that standard charges, data rates, and other fees imposed by your wireless carrier may apply. Suberlis Tech Corp assumes no responsibility or liability for any such charges.

10. Online And Mobile Alerts

The App may provide notifications and alerts regarding upcoming subscription payments. You can manage these notifications within your device's settings. However, Finelo: Subpilot and its creators cannot be held responsible for (un)successfully notifying users of upcoming and/or due subscription payments. You remain solely responsible for making your subscription payments on time.

11. Widgets

If the App offers widgets for your device, their use is governed by these Terms. Widgets are small, interactive displays that can be added to your device's home screen or "Today View" to provide quick access to information from Finelo: Subpilot without needing to open the full App. These widgets are intended for quick information display, such as showing your next upcoming payment or a summary of your active subscriptions. Due to their nature, widgets may have limited functionality compared to the full App and are not intended to replace the comprehensive features available within the main Finelo: Subpilot application. Your use of any widgets provided by the App is subject to all the terms and conditions outlined in these Terms of Use.

If the App offers widgets for your device, their use is governed by these Terms. Widgets are intended for quick information display and may have limited functionality compared to the full App.

12. Rights You Grant To Us

For purposes of these Terms, you grant Finelo: Subpilot a limited power of attorney, and appoint Finelo: Subpilot as your agent, to access third-party sites, retrieve and use your information with the full power and authority to do so, and perform each thing necessary in connection with such activities, as you could do in person.

In order to provide some of our Services, including but not limited to Bill Negotiations or Cancellations, Finelo: Subpilot will need to interact with third-party service providers on your behalf. Some of these providers may make it difficult to access your information or manage your account. Therefore, it may be necessary for our agents to represent, as your limited agent and for the limited authorized purpose, that they are the account holder. You consent to such representation on your behalf solely for the authorized limited purpose of performing the authorized service, e.g. Bill Negotiation or Cancellation, you requested. YOU ACKNOWLEDGE AND AGREE THAT WHEN FINELO: SUBPILOT IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD-PARTY SITES, FINELO: SUBPILOT IS ACTING AS YOUR LIMITED AGENT. YOU UNDERSTAND THAT FINELO: SUBPILOT IS NOT ACTING AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY THAT OPERATES THE THIRD PARTY SITE.

Finelo: Subpilot's Non-Financial Services Disclaimer

Finelo: Subpilot IS NOT a payment service and DOES NOT have the capability to, nor DOES IT request authorization to, initiate ACH (Automated Clearing House) debits or credits or any other electronic payments from your bank accounts. The App is solely for tracking and management purposes, not for transaction processing.

Finelo: Subpilot DOES NOT process, DOES NOT store, and DOES NOT request your credit or debit card information. All payment-related data is manually entered by you and is not transmitted to us.

Finelo: Subpilot DOES NOT offer or provide any savings plans, investment products, or financial services. The App is a subscription tracking tool, not an investment or savings platform.

Finelo: Subpilot Subscription Cancellation

Finelo: Subpilot provides a subscription cancellation service (the "Cancellation Service") through third-party partners. By using this feature, you authorize Finelo: Subpilot to act on your behalf to cancel selected subscription services with relevant subscription providers.

To enable the Cancellation Service, you must first provide all required information, including your full name, residential address, email address and phone number. Depending on your subscription provider, additional information may also be required, such as the last four digits of the payment card used for the subscription or other details necessary to verify your account. You agree that Finelo: Subpilot may retain this data securely for the purpose of facilitating subsequent cancellations without the need to re-enter the same information.

You acknowledge that Finelo: Subpilot is not responsible for the policies, processing time, or actions of third-party subscription providers. The effectiveness and timing of cancellation requests may vary depending on provider-specific processes.

By proceeding with the Cancellation Service, you confirm that you are the authorized account holder or have the necessary rights to cancel the relevant subscriptions, and that all information you provide is accurate and up to date.

Finelo: Subpilot Bill Negotiation

Finelo: Subpilot offers an optional subscription bill negotiation service (the "Bill Negotiation") which allows users to request price reductions for their active subscriptions. The Bill Negotiation is provided by a third party, The Bill Reduction Company, LLC (“Billshark”). To use Bill Negotiation, you will need to confirm or provide certain personal, account, and payment information, and you authorize us to send such information to Billshark for the purpose of Billshark providing Bill Negotiation and processing your payment.

By requesting a Bill Negotiation, you authorize Billshark to contact your subscription provider (the “Provider”) as your limited agent for the sole purpose of negotiating on your behalf. In cases where the Provider restricts third-party communication, you consent to Billshark’s agents representing themselves as the account holder solely to carry out the authorized negotiation request. By using Bill Negotiation, you agree to the terms of Billshark’s Customer Agreement, in addition to our Terms. You also consent to Billshark changing your provider accounts in order to reduce your bill, as long as the changes do not reduce the features or quality of the products you receive from that billing provider or extend the term of any contract without your express consent. Please read Billshark’s Customer Agreement carefully before using Bill Negotiation.

To initiate Bill Negotiation, you must provide us with the information we need to perform the Services, including your name, address, email and phone number. We may also request additional information if required by your Provider. This may include the account holder’s name, your name and relationship to the account holder (if different), the name of Provider, the applicable password, PIN, or other security credentials needed to access the account; and any other specific information your Provider may require for us to make changes to your account. You also agree to provide a copy of the current monthly billing statement for the account, showing the products and features you receive and the amounts you are billed. This information may be provided either by uploading a photo of the bill or by enabling Finelo: SubPilot to access your online bill via a third-party provider.

This information will be shared with Billshark strictly for the purpose of providing the requested Services and will be processed in accordance with both our Privacy Policy and Billshark’s Privacy Policy. Once this information is submitted, Billshark will assess the feasibility of a discount using proprietary success rate estimations and, where applicable, initiate negotiations. We may decline to provide the requested Bill Negotiation based on the information provided in our sole discretion. While we may send you communications about Bill Negotiation on Billshark’s behalf (for example, communications about status or billing statements), Billshark provides the Bill Negotiation services and coordinates all billing and payment processing related to Bill Negotiation.

You acknowledge that price reductions are not guaranteed and depend on the success of negotiations with each provider. Any attempted negotiation will count as one bill negotiation attempt, regardless of outcome.

Upon successful negotiation resulting in a discount, Finelo: Subpilot will charge you a Negotiation Fee (the "Negotiation Fee"), calculated as a percentage of the projected annual savings from the negotiated discount (e.g., if your subscription is reduced from $100 to $80 annually, and the Negotiation Fee is 30%, your charge would be $6). By submitting a negotiation request, you agree to the applicable Negotiation Fee and authorize Finelo: Subpilot to charge this fee using your selected payment method. The exact amount of the savings and the corresponding fee will be presented for your review and acceptance before the charge is finalized. We may receive a fee from Billshark in connection with your use of Bill Negotiation.

Finelo: Subpilot may offer users the ability to purchase a fixed number of negotiation attempts. You acknowledge that some attempts may not result in a discount due to low success probability, or due to provider ineligibility. The Negotiation Fee is non-refundable, except in the event that an error was made during the Bill Negotiation, or except as otherwise required by applicable law.

By using the Bill Negotiation services, you represent and warrant that you are at least 18 years of age and have full authority to act in respect of the relevant subscriptions. You further acknowledge and agree that the service is provided "as is", and that Finelo: Subpilot does not guarantee results, nor does it accept any liability for outcomes beyond its reasonable control.

Intellectual Property Rights

The App and its original content, features, and functionality are and will remain the exclusive property of Linerios Limited and its licensors. The App is protected by copyright, trademark, and other laws of both the Republic of Cyprus and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Linerios Limited.

The Services contain various forms of content, including text, software, scripts, graphics, data, images, sounds, music, videos, interactive features, and other materials (collectively, “Content”). All trademarks, service marks, and logos displayed within the Services are either owned by or licensed to Linerios Limited. The Content, whether copyrighted, trademarked, or otherwise protected, is provided solely for your personal, non-commercial use in accordance with these Terms.

You promise to abide by all copyright notices, trademark rules, information, and restrictions contained in any Content you access through the Services. You agree not to use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell, or otherwise exploit any Content not owned by you (i) without the prior written consent of the owner of that Content or (ii) in a way that violates someone else’s (including Linerios Limited’s) rights.

You understand that Linerios Limited owns the Services. You agree not to modify, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works based on, or otherwise exploit any part of the Services.

17. User Generated Content

In the course of using the Services, you may post or upload text and other content ("User Submissions") which may be used by us in connection with the Services and which may be visible to certain other users (e.g., if sharing features are implemented). By submitting User Submissions, you grant us a worldwide, perpetual, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, create derivative works of, display, and publicly perform the User Submissions in connection with the Services. This includes, but is not limited to, promoting and redistributing such User Submissions across various media platforms. Depending on your settings and the relevant third-party network policies, User Submissions may also be viewed and shared by others, including on external platforms.

Any feedback, comments, or suggestions you provide regarding the Services ("Feedback") will become the sole and exclusive property of Suberlis Tech Corp, and you irrevocably assign all rights, titles, and interests in such Feedback to us.

When submitting User Submissions, you agree not to upload material that infringes on intellectual property, privacy, confidentiality, or publicity rights, nor content that is false, misleading, unlawful, obscene, defamatory, threatening, harassing, hateful, or otherwise inappropriate. You further agree not to post advertisements, spam, chain letters, or impersonate another person.

Suberlis Tech Corp does not endorse or take responsibility for any User Submissions and expressly disclaims any liability arising from it. We reserve the right to determine, at our sole discretion, whether submitted User Submissions violate these Terms. Suberlis Tech Corp may remove such content at its sole discretion and suspend or terminate your access to the Services without prior notice if you violate these Terms. We will cooperate with law enforcement or legal requests to disclose the identity of users who violate applicable laws or these Terms through their posted User Submissions.

18. Access and Interference

You agree not to:

• Use any robot, spider, scraper, or other automated means to access the App for any purpose without our express written permission.

• Interfere or attempt to interfere with the proper working of the App.

• Bypass any measures we may use to prevent or restrict access to the App.

• Decipher, decompile, disassemble or reverse-engineer any of the software comprising or in any way making up a part of the Services.

19. Social Media Sites

Suberlis Tech Corp may maintain pages or profiles on social media sites. Your use of those sites is governed by their own terms of use and privacy policies. Any interaction with us via social media is also governed by these Terms.

20. Disclaimer of Representations and Warranties

Suberlis Tech Corp does not guarantee continuous, uninterrupted access to the Services. The availability and performance of the Services may be affected by various factors beyond our control, including network congestion, service disruptions, third-party system failures, and unforeseen technical issues.

We cannot and do not guarantee that your use of the Services will be free from errors, disruptions, viruses, or other harmful code. You are solely responsible for implementing appropriate security measures, such as using updated antivirus software and maintaining backups of your data. To the fullest extent permitted by law, Suberlis Tech Corp will not be liable for any loss or damage caused by distributed denial-of-service (DDoS) attacks, malware, viruses, or other harmful technology that may infect your device, software, or data due to your access to or use of the Services, including any downloads or links provided within the platform.

The App is provided on an "AS IS" and "AS AVAILABLE" basis. Finelo: Subpilot and its creators cannot be held responsible for (un)successfully notifying users of upcoming and/or due subscription payments. Finelo: Subpilot and its creators cannot be held responsible for any incorrect user data entered in the App. Any user-generated data that is entered in Finelo: Subpilot is neither saved on a server nor distributed. User-generated data is exclusively stored on a user’s iDevice, though it will be included in an iCloud backup.

To the fullest extent permitted by law, Suberlis Tech Corp expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including, but not limited to, implied warranties of merchantability, non-infringement, and fitness for a particular purpose. We do not warrant that the platform will operate error-free, without interruption, or in a manner that meets your specific needs or expectations. Nothing in this provision affects any warranties that cannot be excluded or limited under applicable law.

Limitations On Finelo: Subpilot's Liability

To the maximum extent permitted by applicable law, in no event shall Suberlis Tech Corp, nor its affiliates, directors, employees, agents, suppliers, or licensors, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the App; (ii) any content obtained from the App; and (iii) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

Because some jurisdictions do not allow certain exclusions or limitations of liability, some or all of the above limitations may not apply to you. If you are dissatisfied with any portion of the Services or content, or with any provision of these Terms, your sole and exclusive remedy is to stop using the Services. In no event shall Suberlis Tech Corp’s total aggregate liability, arising from or relating to these Terms or the use of or inability to use the Services, exceed one hundred dollars ($100 USD). These limitations and exclusions of liability form a fundamental element of the agreement between you and Suberlis Tech Corp.

22. Your Indemnification Of Suberlis Tech Corp

You agree to defend, indemnify, and hold harmless Suberlis Tech Corp, along with its affiliates, officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including but not limited to attorney’s fees) arising from: (i) your use of or access to the Services or Content; (ii) your violation of these Terms; (iii) your infringement of any third-party rights, including, but not limited to, copyright, property, privacy, or confidentiality rights; or (iv) any claim that your User Submissions caused harm or damage to a third party. This indemnification obligation will survive the termination of these Terms and your continued use of the Services and Content.

23. Ending Your Relationship With Suberlis Tech Corp

We may terminate or suspend your access to the App immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms, engage in fraudulent or improper conduct, or breach any applicable policies, all at our sole discretion and without prior notice. Any suspension, termination, or cancellation does not affect your obligations under these Terms, including those related to indemnification and limitation of liability, which will survive App termination. Upon termination, all licenses and rights granted to you under these Terms will immediately cease. Suberlis Tech Corp will not be liable for any losses resulting from App termination or restriction. If the App is inactive on your device for an extended period, Suberlis Tech Corp may, at its sole discretion and without notice, deem the App inactive.

Subscription Cancellation Instructions

Canceling your trial or subscription means that the automatic renewal will be disabled, but you will still have access to all your subscription features for the remaining time of the then-current period. Note that deleting the app does not cancel your subscriptions.

If You Purchased a Subscription on App Store:

You can cancel a subscription anytime by turning off auto-renewal through your Apple ID account settings. To avoid being charged, cancel the subscription in your Apple ID account settings at least 24 hours before the end of the then-current subscription period. You alone can manage your subscriptions. Learn more about managing subscriptions (and how to cancel them) on Apple's support page.

If You Purchased a Subscription on Google Play:

You can cancel a subscription anytime by turning off auto-renewal through your Google Play account settings. To avoid being charged, cancel the subscription in your account settings at least 24 hours before the end of the current subscription period. You alone can manage your subscriptions. Learn more about managing subscriptions (and how to cancel them) on Google’s support page.

If You Purchased a Subscription on Our Website:

To avoid being charged, cancel your subscription before the end of the then-current period. You may cancel your subscription purchased on our website in your profile. Below are the options on how to initiate cancellation of a web subscription:

If you have an iOS device:

• Open the Finelo: Subpilot app, go to your profile, and select Manage subscription.

• From here, you will be directed to subscription settings and will be able to turn it off.

If you have an Android device:

• Open the Finelo: Subpilot app, go to your profile, and select Cancel subscription.

• From here, you will be directed to subscription settings and will be able to turn it off.

24. Modifications

We may update these Terms from time to time, for example, to reflect changes in legislation or in our business operations. We will provide you with 30 (thirty) days’ advance notice of any material adverse change to the Services or these Terms. Except where mandatory law requires otherwise, other changes take effect upon posting with an updated “Last Revision” date, no additional notice will be given. If you keep using our Services after any changes, it means you accepted such changes. If you receive notice from us of a material change, you will have 30 (thirty) days from the date of such notice to object or opt out from the Services by sending us written notice; if you do not object or opt out within that period, you will be deemed to have accepted the changes.

25. Informal Dispute Resolution Procedures

PLEASE READ THIS PROVISION CAREFULLY TO ENSURE THAT YOU UNDERSTAND—THIS SECTION CONTROLS HOW DISPUTES BETWEEN YOU AND THE COMPANY WILL BE ADDRESSED.

BY AGREEING TO THIS PROVISION, YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT AND YOU ARE WAIVING YOUR RIGHT TO A JURY TRIAL.

YOU ARE ALSO AGREEING TO RESOLVE ALL DISPUTES BETWEEN YOU AND THE COMPANY THROUGH BINDING ARBITRATION UNLESS YOU EXERCISE YOUR RIGHT TO REJECT ARBITRATION AS PROVIDED BELOW.

You and Finelo (“we” or the “Company”) agree to resolve all Disputes (including any related disputes involving the Company, its subsidiaries, or its affiliates) through binding arbitration, as described below, except for: (i) claims that fall within the jurisdiction of a small claims court, provided such claims are not class action disputes and also meet the court’s jurisdictional and monetary limits; and (ii) disputes related to intellectual property rights. A “Dispute” means any claim, controversy, or legal action—whether arising from past, present, or future events, and based on contract, tort, statute, or common law—between you and the Company regarding the Website, Services, or this agreement (the “Arbitration Agreement”). “Dispute” also includes disputes about the interpretation, applicability, or enforceability of these terms or the formation of this Arbitration Agreement, including whether any part of it is invalid or unenforceable.

Mandatory Pre-Filing Notice Procedure

You and we agree that good faith, informal efforts to resolve disputes often result in a faster, inexpensive outcome. Therefore, if you intend to assert a claim for any Dispute (as defined above) against the Company, you must first send the Company a written notice of the Dispute (“Notice”) that gives the Company some basic information about you and the Dispute. Any Notice must include (i) your name, address, and email address, (ii) a detailed description of your Dispute; (iii) any relevant facts regarding your use of the Website and Service (including your account ID, profile screenshots, and anything else that will help us identify your account; (iv) a detailed description of the relief you are seeking, including a calculation of any money damages you are seeking; and (v) a personally signed statement from you (and not your attorney) verifying the accuracy of the information in Notice. The Notice must be individualized, meaning it can concern only your dispute and no other person’s dispute. If you are filling out a Notice for another person, you must include all information described above, and also a statement describing your relationship to the person and why the person is unable to fill out the Notice for themselves.

You must send the Notice to the Company at the following address:

3500 South Dupont Highway, Dover, DE 19901, USA

Attention: Legal

If we need to send you a Notice, we will send the Notice to you at the contact information we have available for you, which may include, if applicable, the contact information associated with your account.

After we receive a Notice, you and us agree to engage in good faith efforts to resolve the Dispute between us for a period of 60 days through informal negotiation. The 60-day period can be extended if you and we agree that such an extension is likely to lead to resolution. As part of the informal negotiation process, you and we agree that we will both attend at least one individualized video conference (”Video Conference”). The Video Conference can be via Zoom, Microsoft Teams, WhatsApp, or any other similar platform that you and we agree on and that we both have access to. The Video Conference can be held after the 60-day period, if necessary. If you are represented by an attorney in your Dispute, your attorney may participate in the Video Conference, but you are still required to attend and participate in good faith. The Company is also required to participate in the Video Conference by sending one or more of its representatives, and the Company may also send one or more of its attorneys. If you are unable to participate in the Video Conference by video, you may attend telephonically if you certify in writing that circumstances exist that prevent you from appearing by video (such as your lack of access to phone with a working camera or your inability to connect to a stable internet connection). You and we agree that we (and our attorneys, if represented) shall work cooperatively to schedule the Video Conference at the earliest mutually-convenient time after we receive a Notice. You and we also agree to use our best efforts to resolve the Dispute at the Video Conference. If you and we cannot resolve the issues identified in the Notice within 60 days after the completed Notice is received (or a longer time if agreed), you or we may commence an arbitration proceeding or a small claims court proceeding.

Compliance with these Informal Dispute Resolution Procedures is Mandatory and Pre-Filing Notice procedures (including the Video Conference requirement) are a condition precedent to initiating any arbitration or small claims court action. Failure to follow the procedures is a breach of this Arbitration Agreement.

The Mandatory Pre-Filing Notice procedures are essential so that you and the Company have a meaningful opportunity to resolve Disputes in an inexpensive and efficient manner. Unless prohibited by applicable law, the arbitration provider shall not accept or administer any demand for arbitration unless the party bringing the demand for arbitration certifies in writing that the Mandatory Pre-Filing Notice procedures (including the Video Conference requirement) were fully satisfied. If the party bringing the demand for arbitration fails to include a written certification that the Pre-Filing Notice procedures (including the Video Conference) were met, then the arbitration forum shall administratively close the demand for arbitration and no fees shall be due from the responding party. A court of competent jurisdiction shall have authority to enforce this provision and to enjoin any arbitration proceeding or small claims court action accordingly.

All offers, promises, conduct, and statements made in the course of the Mandatory Pre-Filing Notice process by any party, its agents, employees, and attorneys are confidential and not admissible for any purpose in any subsequent proceeding (except as required to certify in writing that the Mandatory Pre-Filing Notice procedures were completed before submitting a demand for arbitration). Evidence that is otherwise admissible or discoverable shall not be rendered inadmissible or non-discoverable by this section.

Small Claims Court

Subject to applicable jurisdictional requirements and Mandatory Pre-Filing Notice requirements explained above, you or the Company may elect to pursue a Dispute in a local small claims court rather than through arbitration, so long as the matter remains in small claims court and proceeds only on an individual basis. If a party has already submitted an arbitration demand, the other party may, in its sole discretion, inform the arbitral forum that it chooses to have the Dispute heard in small claims court. At that time, the arbitral forum will administratively close the arbitration and the Dispute will be heard in the appropriate small claims court, with no fees due from the arbitration respondent.

What is Arbitration?

Arbitration is a more informal way to resolve our disagreements than a lawsuit in court. For instance, arbitration uses a neutral arbitrator instead of a judge or jury, involves more limited discovery, and is subject to very limited review by courts. Although the process is more informal, arbitrators can award some of the same individualized damages and relief that a court can award. An arbitrator cannot, however, order a party to act or stop doing something—this is known as “equitable relief.” Either you or we can go to court and seek equitable relief, including by filing a motion to compel the other party to follow this Arbitration Agreement. However, you and we agree that the only courts where we will seek equitable relief are the state and federal courts in Delaware. This exception for equitable relief does not waive this Arbitration Agreement. You and we agree that the U.S. Federal Arbitration Act and federal arbitration law govern the interpretation and enforcement of this provision. A court of competent jurisdiction has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement. This arbitration provision shall survive termination of these terms and the termination of your account.

CLASS ACTION AND JURY TRIAL WAIVER

TO THE FULLEST EXTENT ALLOWABLE BY LAW, YOU AND THE COMPANY WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO LITIGATE DISPUTES IN COURT IN FAVOR OF ARBITRATION (EXCEPT FOR SMALL CLAIMS COURT DESCRIBED ABOVE). YOU AND THE COMPANY EACH WAIVE THE RIGHT TO FILE OR PARTICIPATE IN A CLASS ACTION LAWSUIT AGAINST THE OTHER, INCLUDING ANY CURRENTLY PENDING ACTIONS AGAINST THE COMPANY. TO THE FULLEST EXTENT ALLOWABLE BY LAW, THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY CLAIMS TO BE LITIGATED IN COURT ON A CLASS, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED BASIS.

EXCEPT FOR THE MASS FILING PROCEDURES DESCRIBED BELOW, YOU AND WE AGREE THAT

• THE ARBITRATOR MAY ONLY AWARD FINAL RELIEF IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE FINAL RELIEF WARRANTED BY THAT INDIVIDUAL PARTY’S CLAIM.

• THE ARBITRATOR MAY NOT AWARD FINAL RELIEF FOR, AGAINST, OR ON BEHALF OF ANYONE WHO IS NOT A PARTY TO THE ARBITRATION ON A CLASS, COLLECTIVE, OR REPRESENTATIVE BASIS.

IF A COURT DETERMINES THAT ANY OF THE PROHIBITIONS IN THIS PARAGRAPH ARE UNENFORCEABLE FOR A PARTICULAR CLAIM OR REQUEST FOR RELIEF, AND ALL APPEALS OF THAT DECISION ARE AFFIRMED AND SUCH DECISION BECOMES FINAL, THEN YOU AND THE COMPANY AGREE THAT THAT PARTICULAR CLAIM OR REQUEST FOR RELIEF SHALL PROCEED IN COURT BUT SHALL BE STAYED PENDING INDIVIDUAL ARBITRATION OF THE REMAINING CLAIMS FOR RELIEF THAT YOU HAVE BROUGHT. IF THIS SPECIFIC PARAGRAPH IS FOUND TO BE UNENFORCEABLE, THEN THE ENTIRETY OF THIS ARBITRATION PROVISION (EXCEPT FOR THE JURY TRIAL WAIVER AND THE INFORMAL DISPUTE RESOLUTION PROCEDURE) SHALL BE NULL AND VOID.

Arbitration Procedure

The arbitration will be governed by applicable rules of National Arbitration & Mediation (“NAM”) (including the Comprehensive Dispute Resolution Rules and Procedures and the Supplemental Rules for Mass Arbitration Filings, as applicable) (“NAM Rules”), as modified by this Arbitration Agreement, and will be administered by NAM. The NAM Rules are available online at www.namadr.com or by requesting them in writing at the Notice address listed above. You may obtain a form to initiate arbitration with NAM at: https://www.namadr.com/content/uploads/2024/03/Comprehensive-Demand-for-Arb-revised-3.21.2024.pdf or by contacting NAM.

If NAM is unavailable or unwilling to do so, another arbitration provider shall be selected by the parties that will do so, or if the parties are unable to agree on an alternative administrator, by the court pursuant to 9 U.S.C. §5.

You and we agree that the party initiating arbitration must submit a written certification that they have complied with and completed the Mandatory Pre-Filing Notice and Informal Dispute Resolution Procedures requirements enclosed with any demand for arbitration. The demand for arbitration and certification must be personally signed by the party initiating arbitration (and their attorney, if represented).

The arbitration will be in English. A single independent and impartial arbitrator will be appointed remotely pursuant to the NAM Rules, as modified herein. You and the Company agree to comply with the following rules, which are intended to streamline the dispute resolution process and reduce the costs and burdens on the parties: (i) the arbitration will be conducted online and/or be solely based on written submissions, the specific manner to be chosen by the party initiating the arbitration; (ii) the arbitration will not require any personal appearance by the parties or witnesses unless otherwise mutually agreed in writing by the parties or the arbitrator decides that a formal hearing is necessary.; and (iii) any judgment on the award the arbitrator renders may be entered in any court of competent jurisdiction.

If an in-person hearing is required and you reside in the United States, the hearing will take place in either Delaware, unless the arbitrator determines that this would pose a hardship for you, in which case the in-person hearing may be conducted in the claimant’s state and county of residence. If you reside outside the United States, the site of any in-person hearing will be determined by the NAM Rules.

The award of the arbitrator will be in writing and will include a statement setting forth the reasons for the disposition of any claim. The arbitrator will apply the laws of the State of Florida in conducting the arbitration. You acknowledge that these terms and your use of the Services evidence a transaction involving interstate commerce. The United States Federal Arbitration Act will govern the interpretation, enforcement, and proceedings.

The Arbitrator is bound by and shall adhere to this Arbitration Agreement. In the event NAM Rules conflict with this Arbitration Agreement, the terms of this Arbitration Agreement shall control. If the Arbitrator determines that strict application of any term of this Arbitration Agreement would result in a fundamentally unfair arbitration, then the Arbitrator shall have the authority to modify such term to the extent necessary to ensure a fundamentally fair arbitration that is consistent with efficient and inexpensive resolution of Disputes.

Unless you and Сompany otherwise agree, the arbitration will be conducted virtually via video or teleconference.

Decision of the Arbitrator

Barring extraordinary circumstances, the arbitrator will issue their decision within 120 days from the date the arbitrator is appointed. The arbitrator may extend this time limit for an additional 30 days in the interests of justice. All arbitration proceedings will be closed to the public and confidential, and all records relating thereto will be permanently sealed, except as necessary to obtain court confirmation of the arbitration award. The award of the arbitrator will be in writing and will include a statement setting forth the reasons for the disposition of any claim.

The arbitration award is binding only between you and the Company and will not have any preclusive effect in another arbitration or proceeding that involves a different party.

Fees

The payment of arbitration fees (the fees imposed by the arbitration administrator including filing, arbitrator, and hearing fees) will be governed by the applicable NAM Rules, unless you qualify for a fee waiver under applicable law. If after exhausting any potentially available fee waivers, the arbitrator finds that the arbitration fees will be prohibitive for you as compared to litigation, we will pay as much of your filing, arbitrator, and hearing fees in the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive, regardless of the outcome of the arbitration, unless the arbitrator determines that your claim(s) were frivolous or brought for an improper purpose or asserted in bad faith.

You and we agree that arbitration should be cost-effective for all parties and that any party may engage with NAM to address the reduction or deferral of fees.

Confidentiality

Upon either your or our request, the Arbitrator will issue an order requiring that confidential information of either party disclosed during the arbitration (whether in documents or orally) may not be used or disclosed except in connection with the arbitration or a proceeding to enforce the arbitration award and that any permitted court filing of confidential information must be done under seal.

Settlement Offers and Offers of Judgment

At least ten (10) calendar days before the date set for the arbitration hearing, you or the Company may serve a written offer of judgment upon the other party to allow judgment on specified terms. If the offer is accepted, the offer with proof of acceptance shall be submitted to the arbitration provider, who shall enter judgment accordingly. If the offer is not accepted prior to the arbitration hearing or within thirty (30) calendar days after it is made, whichever occurs first, it shall be deemed withdrawn, and cannot be given as evidence in the arbitration. If an offer made by one party is not accepted by the other party, and the other party fails to obtain a more favorable award, the other party shall not recover their post-offer costs and shall pay the offering party’s costs from the time of the offer (which, solely for purposes of offers of judgment, may include reasonable attorneys’ fees to the extent they are recoverable by statute, in an amount not to exceed the damages awarded).

The parties agree that any disputes with respect to settlement offer(s) or offer(s) of judgment in a Mass Filing are to be resolved by a single arbitrator to the extent such offers contain the same material terms. For arbitrations involving represented parties, the represented parties’ attorneys agree to communicate individual settlement offer(s) or offer(s) of judgment to each and every arbitration claimant or respondent to whom such offers are extended.

Additional Procedures for Mass Arbitration Filings

The following provisions set forth additional procedures that apply to mass arbitration filings. If ten (10) or more similar claims are asserted against the Company by the same or coordinated attorneys or are otherwise coordinated, consistent with the definition and criteria of “Mass Filings” set forth in the NAM Rules, you and we understand and agree that these additional procedures shall apply and the resolution of your dispute might be delayed. You and we agree that throughout this process, our attorneys shall meet and confer to discuss modifications to these procedures based on the particular needs of the Mass Filing. You and we agree to make all reasonable efforts to maximize the integrity and efficiency of arbitration to resolve Disputes between us, particularly those involving Mass Filings, and further commit to acting in good faith to adhere to the procedures established in this section. The parties further agree that application of these Mass Filing procedures have been reasonably designed to result in an efficient and fair adjudication of claims.

Bellwether Arbitrations for Mass Filings. Bellwether proceedings are encouraged by courts and arbitration administrators where there are multiple disputes involving similar claims against the same or related parties. The parties shall select ten individual arbitration claims (five per side), designated as the “Initial Test Cases,” to proceed to arbitration. Only the Initial Test Cases shall be filed with the arbitrator. All other claims shall be held in abeyance. This means that the filing fees will be paid only for the Initial Test Cases; for all other demands for arbitration in a Mass Filing, the filing fees (together with any arbitrator consideration of the other demands) will be held in abeyance, and neither you nor the Company will be required to pay any such filing fees. You and the Company also agree that neither you nor we shall be deemed to be in breach of this Arbitration Agreement for failure to pay any such filing fees, and that neither you nor we shall be entitled to any contractual, statutory, or other remedies, damages, or sanctions of any kind for failure to pay any such filing fees. If, pursuant to this subsection, a party files non-Bellwether Arbitrations with the arbitration provider, the parties agree that the arbitration provider shall hold those demands in abeyance and not refer them to the arbitrator pending resolution of the Initial Test Cases. Unless the claims are resolved in advance or the schedule is extended, the arbitrators will render a final award for the Initial Test Cases within 120 days of the initial pre-hearing conference.

Global Mediation in Mass Filings. Following the resolution of the Initial Test Cases, the parties agree to engage in a global mediation of all the remaining individual arbitration claims comprising the Mass Filing (“Global Mediation”), deferring any filing costs associated with the non-Initial Test Cases until the Initial Test Cases and subsequent Global Mediation have concluded. After the final awards are provided to the mediator in the Initial Test Cases, the mediator and the parties shall have 90 days to agree upon a substantive methodology and make an offer to resolve the outstanding cases. If the Parties are unable to resolve the outstanding claims during the Global Mediation, the Parties may choose to opt out of the arbitration process and proceed in court with the remaining claims. Notice of the opt-out shall be provided in writing within 60 days of the close of the Global Mediation. Absent notice of an opt-out, the arbitrations may then be filed and administered by the arbitration provider. You and we also acknowledge that any applicable statute of limitations shall be tolled pending resolution of the global mediation process.

Severability. If any part of this Mass Arbitration provision is declared invalid, void, or unenforceable, then that provision is severable from the Arbitration Agreement and shall not affect the validity and enforceability of the remaining provisions.

Opting Out of this Arbitration Agreement.

Existing Users. Users who previously agreed to arbitrate may reject this updated Arbitration Agreement by following the opt-out method below, but such users will still be bound by the most recent prior version of the Arbitration Agreement and will otherwise be bound by these terms. Previous or existing users who do not opt out of this updated Arbitration Agreement will be bound by this Arbitration Agreement and it shall apply to all disputes between such users and the Company, including those arising (but not actually filed in arbitration) before the effective date of these terms. Arbitration demands that have already been actually filed with an arbitration provider before the effective date of this Arbitration Agreement and in compliance with a prior version of this Arbitration Agreement are subject to the prior version's terms.

New Users. Users who create an account with the Company for the first time on or after September 15, 2025 may opt out of this Arbitration Agreement.

Method and Impact of Opting Out. Subject to the above, you may opt out of this Arbitration Agreement by sending written notice of your decision to opt out to: info@suberlis.io, (1) within 30 days after the Arbitration Agreement became effective, as indicated in the “Last Updated” date of the terms, (2) your first use of the Services. Your notice must include:

• Your name

• Your username (if any)

• The email address you used to set up your account

• An unequivocal statement that you want to opt out of this Arbitration Agreement

If you opt out of this Arbitration Agreement, all other parts of the terms and any other agreements between you and the Company will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may currently have, or may enter in the future, with us.

Arbitration Agreement Survival. This Arbitration Agreement will survive the termination of your relationship with the Company, including any revocation of consent or other action by you to end your participation in the Services or any communication with the Company.

Severability: If any portion of this Arbitration Agreement is found to be void, invalid, or otherwise unenforceable, then that portion shall be deemed to be severable and, if possible, superseded by a valid, enforceable provision, or portion thereof, that matches the intent of the original provision, or portion thereof, as closely as possible. The remainder of this Arbitration Agreement shall continue to be enforceable and valid according to the terms contained herein.

Governing Law

The laws of the State of Florida, excluding its conflicts of law rules, govern this Agreement and your use of the Services. Your use of the Services may also be subject to other local, state, national, or international laws. To the extent that any action relating to any dispute hereunder is shall be brought in a court of law, such action will be subject to the exclusive jurisdiction of the state and federal courts located in Delaware, and you hereby irrevocably submit to personal jurisdiction in such courts, and waive any defence of inconvenient forum.

If you are a consumer based in the EEA, the UK or Switzerland: Nothing in these Terms shall deprive you of the protection afforded to consumers by the mandatory rules of law of the country in which you live. If you have a complaint, please contact us at info@suberlis.io. You may bring any dispute which may arise under these Terms to the competent court of your country of habitual residence if this country of habitual residence is an EEA, which courts are – with the exclusion of any other court – competent to settle any of such a dispute. The Company shall bring any dispute which may arise under these Terms to the competent court of your country of habitual residence.

26. Allegations Of Copyright And Trademark Infringements; Notification

Suberlis Tech Corp respects the intellectual property rights of others and requires all users of the Services to do the same. We have a policy of responding promptly to claims of copyright infringement and taking appropriate action when necessary. If you believe that your copyrighted work has been copied and made available in connection with the Services in a way that constitutes copyright infringement, you may submit a written notice to our Designated Agent with the following information:

(i) Your electronic or physical signature, or that of a person authorized to act on your behalf; (ii) Identification of the copyrighted work you claim has been infringed; (iii) Identification of the allegedly infringing material, including sufficient details to allow Suberlis Tech Corp to locate it (such as a full URL or description); (iv) Your name, address, telephone number, and email address; (v) A statement that you have a good faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law; and (vi) A statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

If you believe your content was removed or access to it was disabled in error, and that you have the right to use the material under copyright law or with authorization from the copyright owner, you may submit a counter-notice to our Designated Agent with the following:

(i) Your physical or electronic signature; (ii) Identification of the material that was removed or disabled, including its prior location before removal; (iii) A statement that you have a good faith belief that the material was removed or disabled due to mistake or misidentification; (iv) Your name, address, telephone number, and email address, along with a statement that you consent to the jurisdiction of the federal court for the judicial district in which your address is located, or if outside the Republic of Cyprus, any judicial district in which Suberlis Tech Corp operates; and (v) A statement that you will accept service of process from the original complaining party.

If a valid counter-notice is received, Suberlis Tech Corp will send a copy to the original complainant, informing them that the removed content may be restored or access re-enabled within ten (10) to fourteen (14) business days, unless the copyright owner files a court action to prevent reinstatement. Suberlis Tech Corp reserves the right to determine, at its sole discretion, whether to restore the content.

Designated Agent: Suberlis Tech Corp 3500 South Dupont Highway, Dover, DE 19901, USA. Email: info@suberlis.io (Subject: "Copyright Inquiry")

27. SMS and Text Communications

As Finelo: Subpilot is a local-data application, it does not currently send SMS messages. If, in the future, we implement features that require SMS or text communications (e.g., for optional notifications), your consent will be obtained, and you will be provided with clear opt-out instructions (e.g., replying "STOP"). Standard carrier rates may apply.

28. Communications and Information Use

By using the Services, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy. This information is primarily provided directly by you and stored locally on your device.

You acknowledge that Suberlis Tech Corp may use third-party service providers (e.g., for analytics, crash reporting, or push notifications) to help deliver its services. Your data, if applicable, may be shared with or processed by these providers solely as necessary to deliver core functionality. Sensitive data, such as financial details, are processed securely on your device and not transmitted to us.

Please refer to our Privacy Policy for additional information about how your data is collected, used, and protected.

29. Assignment

We reserve the right to assign or transfer our rights and obligations under these Terms. These Terms are personal to you and, as a result, you may not, without the written consent of Suberlis Tech Corp, assign or transfer any of your rights and obligations under these Terms. There shall be no third-party beneficiaries to these Terms.

30. Miscellaneous

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. Where possible, any invalid or unenforceable provision shall be modified or replaced with a valid and enforceable term that reflects the original intent as closely as possible.

Failure by Suberlis Tech Corp to enforce any provision of these Terms shall not be considered a waiver of our right to enforce the same provision or any other provision in the future. Similarly, any waiver of a specific breach or violation shall not be interpreted as a waiver of any subsequent breaches or violations.

These Terms, along with any referenced policies and legal notices published within the Services, constitute the entire agreement between you and Suberlis Tech Corp regarding your use of the Services. This Agreement supersedes all prior and contemporaneous understandings or agreements, whether written or oral, unless expressly stated otherwise by Suberlis Tech Corp.

General refund rules

Generally, payments are non-refundable and non-exchangeable unless mandated by law. Nevertheless, we may consider and approve certain refund requests on a case-by-case basis, at our sole discretion.

A refund can usually be claimed only during the subscription period. If the subscription period has expired before you made a request for a refund, we will not be able to provide you with a refund.

Contact Information

If you have any questions, comments, or concerns regarding these Terms, or if you need assistance with your App, please contact our Customer Support Team at: info@suberlis.io.

Last Updated: September 15, 2025

Date of Last Revision: March 18, 2026

Contact Us

Suberlis Tech Corp

3500 South Dupont Highway, Dover, DE 19901