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Welcome to Loghic, a service provided by Loghic Pty Ltd ("Loghic", "we", "us", or "our").

1. 1.1 Purpose of Loghic: Loghic is a Software as a Service (SaaS) platform designed to provide financial news, facilitate shareholder communication, and offer a marketplace for financial advisory services. Our platform includes AI-generated content summaries ("Loghical's") and various tools for financial information analysis and communication.
2. 1.2 Acceptance of Terms: By accessing or using the Loghic platform, including our website, mobile applications, and all related services (collectively, the "Services"), you agree to be bound by these Terms of Use. If you disagree with any part of these terms, you do not have permission to access or use our Services.
3. 1.3 Eligibility: You must be at least 18 years old and capable of forming a binding contract with Loghic to use our Services. By using our Services, you represent and warrant that you meet these eligibility requirements.
4. 1.4 Additional Terms: Certain features or services offered through Loghic may be subject to additional terms and conditions. These additional terms will be presented to you when you access these features or services, and they are incorporated by reference into these Terms of Use.
5. 1.5 Modifications to Terms: We reserve the right to modify these Terms of Use at any time. We will notify you of any changes by posting the new Terms of Use on this page and updating the "Last Updated" date. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms of Use.
6. 1.6 Importance of Terms: These Terms of Use contain important information about your legal rights, remedies, and obligations. We encourage you to read them carefully and to contact us if you have any questions.
7. 1.7 Relationship to Privacy Policy: Your use of our Services is also governed by our Privacy Policy, which is incorporated by reference into these Terms of Use. Please review our Privacy Policy to understand how we collect, use, and disclose information about you.
8. 1.8 Financial Information Disclaimer: It is crucial to understand that all financial information and advice provided through Loghic, including our AI-generated "Loghical's", is for general informational purposes only. Loghic does not provide personalized financial advice, and you should not rely solely on information obtained through our platform to make investment decisions.

By using Loghic, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not access or use our Services.

Throughout these Terms of Use, the following definitions apply:

1. 2.1 "Loghic" refers to Loghic Pty Ltd, the company providing the Services described in these Terms of Use.
2. 2.2 "Services" means all aspects of Loghic's offerings, including but not limited to our website, mobile applications, financial news aggregation, shareholder communication tools, financial advisor marketplace, AI-generated content ("Loghical's"), and all other related services provided by Loghic.
3. 2.3 "User" or "you" refers to any individual or entity that accesses or uses the Services.
4. 2.4 "Content" means any information, data, text, software, music, sound, photographs, graphics, videos, messages, or other materials that can be accessed through our Services.
5. 2.5 "User Content" means any Content that a User posts, uploads, publishes, submits, or transmits to be made available through the Services.
6. 2.6 "Loghic Content" means all Content that Loghic makes available through the Services, including any Content licensed from a third party, but excluding User Content.
7. 2.7 "Loghical's" refers to the AI-generated news summaries and content produced by Loghic's proprietary algorithms.
8. 2.8 "Financial Advisor" means any individual or entity offering financial advice or services through the Loghic platform.
9. 2.9 "Marketplace" refers to the section of our Services where Financial Advisors can offer their services to Users.
10. 2.10 "Subscription" means any paid access to Loghic's Services or to content provided by Financial Advisors through our platform.
11. 2.11 "Intellectual Property Rights" means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights and other intellectual property rights as may now exist or hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory or other jurisdiction.
12. 2.12 "Terms" refers to these Terms of Use.

These definitions are provided for clarity and convenience. They should be interpreted in the context of these Terms and our Services. If any term not defined here is unclear, please contact us for clarification before using our Services.

1. 3.1 Eligibility
   1. 3.1.1 Age Requirement: You must be at least 18 years old to use our Services. By using the Services, you represent and warrant that you are at least 18 years of age.
   2. 3.1.2 Capacity: You must have the legal capacity to enter into a binding agreement with Loghic. If you are accessing or using our Services on behalf of a business or entity, you represent and warrant that you have the authority to bind that business or entity to these Terms.
   3. 3.1.3 Compliance: Your use of the Services must not violate any applicable laws, regulations, or third-party rights.
3. 3.2 Account Registration
   1. 3.2.1 Account Creation: To access certain features of our Services, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.
   2. 3.2.2 Account Security: You are responsible for safeguarding the password that you use to access the Services and for any activities or actions under your password. You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
   3. 3.2.3 Unique Accounts: Each User may only create and use one account. Creating multiple accounts or sharing accounts between Users is prohibited.
4. 3.3 Account Types
   1. 3.3.1 Individual User Accounts: These are for individual Users accessing Loghic for personal use.
   2. 3.3.2 Corporate Accounts: These may be available for businesses or organizations. Additional terms may apply to corporate accounts.
   3. 3.3.3 Financial Advisor Accounts: These are for qualified financial professionals offering services through our marketplace. Additional verification and terms apply to these accounts.
5. 3.4 Account Restrictions
   1. 3.4.1 Loghic reserves the right to refuse registration of, or cancel, accounts at its sole discretion. Reasons may include, but are not limited to, violation of these Terms, suspected fraud, or risk to the Loghic community.
   2. 3.4.2 You may not use another User's account without permission.
   3. 3.4.3 You may not sell, trade, or transfer your account to another party.
6. 3.5 Information Accuracy
   1. 3.5.1 You are solely responsible for ensuring that any information or content you provide in connection with your account or your use of the Services is accurate and up to date.
   2. 3.5.2 If you are a Financial Advisor, you are responsible for ensuring that your qualifications, certifications, and any other professional information are current and accurately represented.
7. 3.6 Account Termination
   1. 3.6.1 You may terminate your account at any time by following the instructions on our website or contacting us directly.
   2. 3.6.2 Loghic reserves the right to terminate or suspend your account and access to the Services at any time, for any reason, without notice or liability.
   3. 3.6.3 Upon termination, your right to use the Services will immediately cease.

By creating an account, you acknowledge that you have read, understood, and agree to comply with these eligibility and registration requirements.

1. 4.1 Overview of Services
   1. 4.1.1 Loghic provides a digital platform for financial news, shareholder communication, and financial advisory services. Our Services include, but are not limited to: a) Aggregation and distribution of financial news and information b) AI-generated content summaries ("Loghical's") c) Tools for shareholder communication and engagement d) A marketplace for financial advisors to offer their services e) Data analysis and visualization tools
   2. 4.1.2 The specific features and functionalities available to you may depend on the type of account you hold and any applicable subscription level.
2. 4.2 Financial News and Information
   1. 4.2.1 Loghic aggregates financial news and information from various sources. While we strive for accuracy, we do not guarantee the completeness, timeliness, or accuracy of this information.
   2. 4.2.2 Our AI-generated "Loghical's" provide summaries and analyses of financial news. These are generated through automated processes and should be considered as starting points for further research, not as definitive analyses.
3. 4.3 Shareholder Communication
   1. 4.3.1 Loghic provides tools for companies to communicate with their shareholders and for shareholders to engage with companies. These tools are designed to facilitate communication but do not guarantee any specific outcome or response.
4. 4.4 Financial Advisor Marketplace
   1. 4.4.1 Loghic provides a platform for qualified financial advisors to offer their services. Loghic does not employ these advisors and is not responsible for the advice they provide.
   2. 4.4.2 Users are responsible for verifying the credentials and suitability of any financial advisor they choose to engage with through our platform.
5. 4.5 Data Analysis and Visualization
   1. 4.5.1 Loghic offers tools for analyzing and visualizing financial data. These tools are for informational purposes only and should not be the sole basis for any investment decision.
6. 4.6 Limitations of Services
   1. 4.6.1 General Information Only: All information provided through Loghic, including news, "Loghical's", and data visualizations, is for general informational purposes only. It does not constitute financial, investment, legal, or tax advice.
   2. 4.6.2 No Personalized Advice: Loghic does not provide personalized financial advice. Any seeming personalization is the result of automated processes and should not be construed as tailored to your individual circumstances.
   3. 4.6.3 No Guarantee of Outcomes: Loghic does not guarantee any financial outcomes or investment returns. Past performance is not indicative of future results.
   4. 4.6.4 Not a Broker-Dealer: Loghic is not a broker-dealer and does not offer trading or investment services directly.
7. 4.7 Modifications to Services
   1. 4.7.1 Loghic reserves the right to modify or discontinue, temporarily or permanently, any part of our Services with or without notice.
   2. 4.7.2 We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Services.
8. 4.8 Third-Party Services
   1. 4.8.1 Loghic may incorporate third-party services or link to third-party websites. These third-party services are subject to their own terms and conditions and privacy policies.
   2. 4.8.2 Loghic is not responsible for any third-party services or websites, even if they are accessed through our platform.

By using our Services, you acknowledge that you have read, understood, and agree to these descriptions and limitations of our Services. You agree to use the Services at your own risk and to seek professional advice when making financial decisions.

1. 5.1 General Obligations
   1. 5.1.1 Compliance: You agree to comply with all applicable laws, regulations, and these Terms when using our Services.
   2. 5.1.2 Accurate Information: You agree to provide accurate, current, and complete information when using our Services, including during account registration and in any content you post.
   3. 5.1.3 Responsible Use: You agree to use the Services responsibly and in a manner that does not harm Loghic, other users, or third parties.
2. 5.2 Prohibited Activities You agree not to engage in any of the following prohibited activities:
   1. 5.2.1 Violating Laws: Using the Services for any illegal purpose or in violation of any local, state, national, or international law.
   2. 5.2.2 Harassment: Harassing, threatening, or intimidating any other users of the Services.
   3. 5.2.3 Impersonation: Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with a person or entity.
   4. 5.2.4 Interference: Interfering with or disrupting the Services or servers or networks connected to the Services.
   5. 5.2.5 Unauthorized Access: Attempting to gain unauthorized access to any portion of the Services or any other systems or networks connected to the Services.
   6. 5.2.6 Data Mining: Engaging in data mining, data harvesting, data extracting or any other similar activity in relation to the Services.
   7. 5.2.7 Malicious Code: Uploading or transmitting viruses, malware, or other types of malicious code.
   8. 5.2.8 Infringing Content: Posting or transmitting any content that infringes upon the intellectual property rights of others.
   9. 5.2.9 Inappropriate Content: Posting or transmitting any content that is unlawful, fraudulent, threatening, abusive, libelous, defamatory, obscene or otherwise objectionable.
   10. 5.2.10 Spam: Engaging in any advertising or marketing activities, including sending unsolicited promotional content or spam.
   11. 5.2.11 Manipulation: Manipulating identifiers to disguise the origin of any content transmitted through the Services.
3. 5.3 User-Generated Content
   1. 5.3.1 Responsibility: You are solely responsible for any content you post, upload, publish, or display through the Services.
   2. 5.3.2 License: By posting content, you grant Loghic a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute such content.
   3. 5.3.3 Representation: You represent and warrant that you own or have the necessary rights to post any content you submit, and that such content does not violate the rights of any third party.
4. 5.4 Financial Information and Advice
   1. 5.4.1 Due Diligence: You are solely responsible for evaluating the accuracy, completeness, and usefulness of any content or information provided through the Services.
   2. 5.4.2 No Reliance: You agree not to rely solely on information obtained through Loghic for making investment decisions.
   3. 5.4.3 Professional Advice: You acknowledge that information provided through Loghic is not a substitute for professional financial advice. You agree to consult with a qualified professional before making any financial or investment decisions.
5. 5.5 Account Security
   1. 5.5.1 Password Protection: You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account.
   2. 5.5.2 Unauthorized Use: You agree to notify us immediately of any unauthorized use of your account or any other breach of security.
6. 5.6 Reporting Violations
   1. 5.6.1 You agree to report any violations of these Terms by other users that you become aware of.
7. 5.7 Consequences of Violations
   1. 5.7.1 Loghic reserves the right to investigate and take appropriate legal action against anyone who, in Loghic's sole discretion, violates these Terms.
   2. 5.7.2 Violations may result in, without limitation, suspension or termination of your account, removal of posted content, and/or legal action.

By using our Services, you acknowledge that you have read, understood, and agree to abide by these conduct guidelines and obligations. Failure to comply with these terms may result in the termination of your access to the Services.

1. 6.1 Loghic's Intellectual Property
   1. 6.1.1 Ownership: The Services, including all content, features, and functionality, are owned by Loghic, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
   2. 6.1.2 "Loghical's": The AI-generated content summaries known as "Loghical's" are proprietary to Loghic and are protected by copyright and other intellectual property laws.
   3. 6.1.3 Trademarks: The Loghic name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Loghic or its affiliates or licensors. You must not use such marks without the prior written permission of Loghic.
2. 6.2 License to Use Services
   1. 6.2.1 Limited License: Subject to these Terms, Loghic grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Services for your personal or internal business purposes.
   2. 6.2.2 Restrictions: You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as incidental to normal web browsing or as expressly permitted in these Terms.
3. 6.3 User-Generated Content
   1. 6.3.1 User Retention of Rights: You retain any copyright and other proprietary rights that you may hold in the content that you submit, post, or display on or through the Services.
   2. 6.3.2 License to Loghic: By submitting, posting, or displaying content on or through the Services, you grant Loghic a worldwide, non-exclusive, royalty-free license (with the right to sublicense) to use, copy, reproduce, process, adapt, modify, publish, transmit, display and distribute such content in any and all media or distribution methods now known or later developed.
   3. 6.3.3 Purpose of License: This license is granted for the purpose of operating, promoting, and improving our Services, and to develop new ones.
   4. 6.3.4 Representation: You represent and warrant that you have all rights, power, and authority necessary to grant the rights granted herein to any content that you submit.
4. 6.4 Third-Party Intellectual Property
   1. 6.4.1 Third-Party Content: The Services may contain content provided by third parties, including other users and financial advisors. All statements and/or opinions expressed in these materials, and all content other than the content provided by Loghic, are solely the opinions and the responsibility of the person or entity providing those materials.
5. 6.5 Copyright Infringement
   1. 6.5.1 DMCA Compliance: Loghic respects the intellectual property rights of others and expects users of the Services to do the same. We will respond to notices of alleged copyright infringement that comply with applicable law.
   2. 6.5.2 Reporting Infringement: If you believe any materials accessible on or from the Services infringe your copyright, you may request removal of those materials by submitting written notification to our copyright agent designated below.
6. 6.6 Feedback
   1. 6.6.1 Voluntary Feedback: If you provide Loghic with any feedback or suggestions regarding the Services, you hereby assign to Loghic all rights in such feedback and agree that Loghic shall have the right to use and fully exploit such feedback in any manner it deems appropriate.
7. 6.7 Reservation of Rights
   1. 6.7.1 All rights not expressly granted to you in these Terms are reserved by Loghic and its licensors.

By using our Services, you acknowledge that you have read, understood, and agree to these Intellectual Property Rights terms. Unauthorized use of any materials on the Services may violate copyright, trademark, and other laws.

1. 7.1 Third-Party Content
   1. 7.1.1 Nature of Third-Party Content: The Services may display, include, or make available content, data, information, applications or materials from third parties ("Third-Party Content") or provide links to certain third-party websites.
   2. 7.1.2 No Control: You acknowledge and agree that Loghic is not responsible for Third-Party Content, including its accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality, or any other aspect thereof.
   3. 7.1.3 No Endorsement: Loghic does not imply any endorsement of or association with any Third-Party Content or any third-party website linked to our Services.
2. 7.2 Financial News and Information
   1. 7.2.1 Third-Party Sources: Much of the financial news and information available through our Services is sourced from third parties. While we strive to aggregate reliable sources, we do not independently verify this information.
   2. 7.2.2 No Guarantee: Loghic does not guarantee the accuracy, completeness, or timeliness of any third-party financial news or information.
   3. 7.2.3 Use at Own Risk: You access and use all such information at your own risk and should not rely solely on this information for making financial decisions.
3. 7.3 Financial Advisor Marketplace
   1. 7.3.1 Independent Advisors: Financial advisors offering services through our marketplace are independent third parties and are not employees, partners, or representatives of Loghic.
   2. 7.3.2 No Endorsement: Loghic does not endorse or recommend any particular financial advisor. The presence of a financial advisor on our platform does not constitute an endorsement or guarantee of their qualifications, expertise, or the quality of their services.
   3. 7.3.3 User Responsibility: You are solely responsible for evaluating and selecting any financial advisor you choose to engage with through our platform.
   4. 7.3.4 No Liability: Loghic is not responsible for any advice, recommendations, or services provided by financial advisors through our platform.
4. 7.4 Third-Party Services
   1. 7.4.1 Integrated Services: Our Services may integrate with or allow access to third-party services, such as data providers, payment processors, or social media platforms.
   2. 7.4.2 Separate Terms: Your use of these third-party services may be subject to separate terms and conditions provided by the third party. Loghic is not responsible for any such third-party terms or services.
5. 7.5 Third-Party Fees
   1. 7.5.1 Additional Costs: Any dealings with third parties included within or accessed through our Services, including the payment and delivery of related goods or services, are solely between you and such third party.
   2. 7.5.2 User Responsibility: You are responsible for all fees and charges associated with third-party services you access or engage through our platform.
6. 7.6 Disclaimer of Warranties and Liability
   1. 7.6.1 No Warranties: Loghic makes no warranty regarding any Third-Party Content, third-party services, or any financial advisor services accessed through our platform.
   2. 7.6.2 No Liability: Loghic shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any Third-Party Content, third-party services, or financial advisor services.
7. 7.7 Removal of Third-Party Content
   1. 7.7.1 Discretionary Removal: Loghic reserves the right to remove, block, or disable access to any Third-Party Content at any time and for any reason, without notice and without liability.

By using our Services, you acknowledge that you have read, understood, and agree to these terms regarding Third-Party Content and Services. You agree to exercise caution and good judgment when accessing or using any Third-Party Content or services through our platform.

1. 8.1 Privacy Policy
   1. 8.1.1 Incorporation: Our Privacy Policy, available at [insert link to Privacy Policy], is incorporated into and forms part of these Terms of Use.
   2. 8.1.2 Consent: By using our Services, you consent to the collection, use, and sharing of your personal information as described in our Privacy Policy.
2. 8.2 Data Collection and Use
   1. 8.2.1 Types of Data: We collect various types of data, including but not limited to personal information, usage data, and financial information you choose to share.
   2. 8.2.2 Purpose: We use this data to provide, maintain, and improve our Services, to communicate with you, and to comply with legal obligations.
   3. 8.2.3 AI and Analytics: We may use artificial intelligence and analytics tools to process data and generate insights, including our "Loghical's" feature.
3. 8.3 Data Protection
   1. 8.3.1 Security Measures: We implement appropriate technical and organizational measures to protect your personal data against unauthorized or unlawful processing, accidental loss, destruction, or damage.
   2. 8.3.2 No Guarantee: However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.
4. 8.4 User Rights
   1. 8.4.1 Access and Control: You have certain rights regarding your personal data, which may include the right to access, correct, delete, or export your personal information.
   2. 8.4.2 Exercise of Rights: To exercise these rights, please contact us using the information provided in our Privacy Policy.
5. 8.5 Data Retention
   1. 8.5.1 Retention Period: We retain your personal information for as long as necessary to fulfill the purposes outlined in our Privacy Policy, unless a longer retention period is required or permitted by law.
6. 8.6 Cookies and Tracking Technologies
   1. 8.6.1 Use of Cookies: We use cookies and similar tracking technologies to track activity on our Services and hold certain information.
   2. 8.6.2 Cookie Preferences: You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Services.
7. 8.7 Third-Party Data Processing
   1. 8.7.1 Service Providers: We may employ third-party companies and individuals to facilitate our Services, provide services on our behalf, perform Service-related services, or assist us in analyzing how our Services are used.
   2. 8.7.2 Data Transfer: These third parties have access to your personal data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
8. 8.8 International Data Transfers
   1. 8.8.1 Global Operations: Your information, including personal data, may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
   2. 8.8.2 Consent: Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
9. 8.9 Data Breach Notification
   1. 8.9.1 Notification Process: In the event of a data breach that affects your personal information, we will notify you and relevant authorities as required by applicable law.
10. 8.10 Children's Privacy
    1. 8.10.1 Age Restriction: Our Services are not intended for use by children under the age of 18. We do not knowingly collect personal information from children under 18.
11. 8.11 Changes to Privacy Practices
    1. 8.11.1 Updates: We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

By using our Services, you acknowledge that you have read, understood, and agree to our privacy and data protection practices as outlined here and in our Privacy Policy. If you do not agree with these practices, please do not use our Services.

1. 9.1 Service Fees
   1. 9.1.1 Fee Structure: Loghic may offer both free and paid Services. Fees for the paid Services are described on our website or within the Service itself.
   2. 9.1.2 Subscription Model: Some of our Services may be offered on a subscription basis. Details of subscription plans, including pricing and features, will be provided at the time of purchase.
   3. 9.1.3 Changes to Fees: We reserve the right to change our fees or subscription models at any time. Any changes will be communicated to you in advance and will apply to the next billing cycle.
2. 9.2 Financial Advisor Fees
   1. 9.2.1 Separate Fees: Fees for services provided by financial advisors through our marketplace are set by the individual advisors and are separate from any fees charged by Loghic.
   2. 9.2.2 No Responsibility: Loghic is not responsible for setting, collecting, or managing fees charged by financial advisors. Any payment arrangements for these services are between you and the advisor.
3. 9.3 Payment Processing
   1. 9.3.1 Payment Methods: We accept various payment methods as indicated on our platform. You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Service.
   2. 9.3.2 Third-Party Processors: We may use third-party payment processors to handle financial transactions. Your use of these services may be subject to additional terms and conditions set by the payment processor.
4. 9.4 Billing
   1. 9.4.1 Recurring Billing: For subscription services, you agree to pay all fees or charges to your account based on our fees, charges, and billing terms in effect at the time a fee or charge is due and payable.
   2. 9.4.2 Automatic Renewal: Unless you notify Loghic before the end of the applicable subscription period that you want to cancel, your subscription will automatically renew and you authorize us to collect the then-applicable annual or monthly subscription fee using any credit card or other payment mechanism we have on record for you.
5. 9.5 Taxes
   1. 9.5.1 User Responsibility: You are responsible for all applicable taxes, and we may collect applicable taxes along with payments for the Service.
6. 9.6 Refunds
   1. 9.6.1 Refund Policy: Our refund policy will be as set forth on the Service. Unless otherwise stated, payments are non-refundable.
   2. 9.6.2 Exceptions: We may issue refunds or credits at our sole discretion. If we issue a refund or credit, we are under no obligation to issue the same or similar refund in the future.
7. 9.7 Free Trials
   1. 9.7.1 Trial Terms: We may offer free trials of our Services. Trial terms, including duration and conversion to paid subscriptions, will be specified at the time of the offer.
8. 9.8 Cancellation
   1. 9.8.1 Cancellation Process: You may cancel your subscription at any time by following the instructions on our website or by contacting our customer support.
   2. 9.8.2 Effect of Cancellation: Upon cancellation, your right to use the paid features of the Service will terminate at the end of your current subscription period.
9. 9.9 Disputes
   1. 9.9.1 Fee Disputes: If you dispute any charges, you must let us know within sixty (60) days after the date that Loghic charges you.
10. 9.10 Account Delinquency
    1. 9.10.1 Late Payments: If your payment is not received by the due date, your use of the Service may be interrupted or terminated.
    2. 9.10.2 Collection Costs: You agree to reimburse us for all collection costs and interest for any overdue amounts.

By using our paid Services, you acknowledge that you have read, understood, and agree to these Fees and Payments terms. If you do not agree with these terms, please do not use our paid Services.

1. 10.1 Termination by User
   1. 10.1.1 Voluntary Termination: You may terminate your account and discontinue use of the Services at any time by following the instructions on our website or contacting our customer support.
   2. 10.1.2 Effect on Subscriptions: If you have a paid subscription, termination will take effect at the end of your current billing cycle, unless otherwise specified in our refund policy.
2. 10.2 Termination by Loghic
   1. 10.2.1 With Cause: Loghic may terminate or suspend your account immediately, without prior notice or liability, for any reason, including, without limitation, if you breach any of the terms or conditions of this Agreement.
   2. 10.2.2 Without Cause: Loghic may also terminate or suspend your account, with reasonable notice, for any reason, even if you have not breached this Agreement.
   3. 10.2.3 Service Discontinuation: Loghic reserves the right to discontinue, temporarily or permanently, any or all of the Services with or without notice. You agree that Loghic will not be liable to you or any third party for any such termination or discontinuation.
3. 10.3 Effects of Termination
   1. 10.3.1 Access to Services: Upon termination, your right to use the Services will immediately cease.
   2. 10.3.2 Data Retention and Deletion: We may retain certain information as required by law or as necessary for our legitimate business purposes. All provisions of the Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
   3. 10.3.3 User Content: Any user-generated content that you have posted may remain on the Service even after termination, subject to our content policies and applicable laws.
4. 10.4 Refunds Upon Termination
   1. 10.4.1 By User: If you terminate your account, refunds will be issued in accordance with our refund policy as stated in Section 9.6.
   2. 10.4.2 By Loghic: If Loghic terminates your account without cause, we will refund any prepaid fees on a pro-rata basis for the unused portion of your subscription.
5. 10.5 Reactivation
   1. 10.5.1 Account Reactivation: If you terminate your account, you may be able to reactivate it within a certain period, subject to our current policies and fees.
6. 10.6 Suspension
   1. 10.6.1 Temporary Suspension: Loghic may suspend your access to the Services temporarily for reasons such as suspected violations of our terms, nonpayment, or as required by law or legal process.
   2. 10.6.2 Effect of Suspension: During a suspension, you may be restricted from accessing certain features of the Services or your account entirely.
7. 10.7 Termination of Third-Party Services
   1. 10.7.1 Effect on Integrated Services: Termination of your Loghic account may also terminate your access to any third-party services integrated with our platform. You are responsible for managing any consequences of such termination with the third-party service providers.
8. 10.8 Communication of Termination
   1. 10.8.1 Notice: We will communicate any termination or suspension of your account via the email address associated with your account or through our platform.

By using our Services, you acknowledge that you have read, understood, and agree to these Termination terms. You understand that Loghic reserves the right to terminate service to you at its discretion, and you acknowledge the potential consequences of such termination as outlined in this section.

1. 11.1 As-Is Basis
   1. 11.1.1 Service Provision: Your use of our Services is at your sole risk. The Services are provided on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind, either express or implied.
2. 11.2 No Warranties
   1. 11.2.1 Explicit Disclaimer: Loghic expressly disclaims all warranties of any kind, whether express or implied, including but not limited to: a) Merchantability b) Fitness for a particular purpose c) Non-infringement d) Uninterrupted or error-free service e) Security of information transmitted through the Services f) Accuracy, reliability, or completeness of any information provided through the Services
3. 11.3 Financial Information Disclaimer
   1. 11.3.1 No Financial Advice: The financial information provided through our Services, including news, analyses, and "Loghical's", is for informational purposes only and should not be considered as financial, investment, legal, or tax advice.
   2. 11.3.2 No Guarantee: Loghic does not guarantee the accuracy, completeness, or timeliness of any financial information provided through the Services.
   3. 11.3.3 No Endorsement: The presence of any financial information on our platform does not constitute an endorsement or recommendation by Loghic.
4. 11.4 Third-Party Content and Services
   1. 11.4.1 No Warranty: Loghic makes no warranty regarding any third-party content, websites, or services linked to or integrated with our Services.
   2. 11.4.2 Financial Advisors: Loghic does not warrant or guarantee the quality, accuracy, or appropriateness of any advice or services provided by financial advisors through our platform.
5. 11.5 User Decisions
   1. 11.5.1 Independent Judgment: You acknowledge and agree that any financial or investment decisions you make are done so at your own risk and based on your own judgment.
   2. 11.5.2 No Reliance: You should not rely solely on information obtained through our Services to make financial or investment decisions.
6. 11.6 Technical Issues
   1. 11.6.1 No Guarantee of Functionality: Loghic does not warrant that the Services will function without interruption, delay, or errors. There may be downtimes for maintenance or updates, as well as unforeseen technical issues.
7. 11.7 Security
   1. 11.7.1 Best Efforts: While we implement security measures to protect your information, we cannot guarantee that unauthorized third parties will never be able to overcome these measures or use your personal information for improper purposes.
8. 11.8 Regulatory Compliance
   1. 11.8.1 User Responsibility: Loghic does not warrant that use of our Services will ensure compliance with any financial regulations or laws applicable to you or your business. You are responsible for ensuring your use of the Services complies with all applicable laws and regulations.
9. 11.9 Future Performance
   1. 11.9.1 No Predictions: Any statements about potential future performance or market conditions provided through our Services are speculative in nature. Past performance does not guarantee future results.
10. 11.10 Jurisdictional Limitations
    1. 11.10.1 Applicability: Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain liabilities. If you reside in such a jurisdiction, some of the above limitations may not apply to you.

By using our Services, you acknowledge that you have read, understood, and agree to this Disclaimer of Warranties. You expressly understand and agree that your use of the Services is at your own risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download or use of any material obtained through the use of the Services.

1. 12.1 General Limitation
   1. 12.1.1 Exclusion of Liability: To the maximum extent permitted by applicable law, in no event shall Loghic, its affiliates, directors, employees, agents, or licensors be liable for any direct, indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, that result from the use of, or inability to use, the Services.
2. 12.2 Specific Exclusions
   1. 12.2.1 Loghic shall not be liable for any damages or losses resulting from: a) Your use or inability to use the Services b) Any unauthorized access to or use of our servers and/or any personal information stored therein c) Any interruption or cessation of transmission to or from the Services d) Any bugs, viruses, trojan horses, or the like that may be transmitted to or through our Services e) Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Services f) The defamatory, offensive, or illegal conduct of any third party
3. 12.3 Financial Losses
   1. 12.3.1 No Liability for Financial Decisions: Loghic shall not be liable for any financial losses, including but not limited to losses resulting from investment decisions made based on information obtained through our Services.
   2. 12.3.2 Market Risks: You acknowledge that financial markets and investments involve risk, and Loghic is not responsible for any market-related losses you may incur.
4. 12.4 Third-Party Services and Content
   1. 12.4.1 No Liability: Loghic shall not be liable for any damages or losses resulting from your use of, or reliance on, third-party services, content, or advice accessed through our platform, including services provided by financial advisors.
5. 12.5 Aggregate Liability Cap
   1. 12.5.1 Maximum Liability: Notwithstanding anything to the contrary contained herein, Loghic's liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the greater of (a) the amount paid, if any, by you to Loghic for the Services during the term of this agreement or (b $20,000 AUD.
6. 12.6 Basis of the Bargain
   1. 12.6.1 Acknowledgment: You acknowledge and agree that Loghic has offered its Services and entered into this Agreement in reliance upon the warranty disclaimers and the limitations of liability set forth herein, that the warranty disclaimers and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between you and Loghic, and that the warranty disclaimers and the limitations of liability set forth herein form an essential basis of the bargain between you and Loghic.
7. 12.7 Jurisdictional Limitations
   1. 12.7.1 Applicability: Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
8. 12.8 Time Limitation
   1. 12.8.1 Claims Period: Any claim or cause of action arising out of or related to use of the Services or the Terms of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred.
9. 12.9 Essential Purpose
   1. 12.9.1 Fundamental Element: The limitations of damages set forth above are fundamental elements of the basis of the bargain between Loghic and you.

By using our Services, you acknowledge that you have read, understood, and agree to this Limitation of Liability. You expressly understand and agree that Loghic shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses resulting from the use of or the inability to use the Services.

1. 13.1 User Indemnification Obligation
   1. 13.1.1 General Indemnity: You agree to defend, indemnify, and hold harmless Loghic, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to: a) Your violation of these Terms of Use b) Your use of the Services, including, but not limited to, your User Content, any use of the Services' content, services, and products other than as expressly authorized in these Terms of Use c) Your violation of any third-party right, including without limitation any intellectual property right, publicity, confidentiality, property, or privacy right d) Any claim that your User Content caused damage to a third party
2. 13.2 Financial Decisions and Advice
   1. 13.2.1 Indemnity for Financial Actions: You agree to indemnify and hold Loghic harmless from any claims, damages, or losses arising from financial decisions or actions you take based on information obtained through our Services, including but not limited to: a) Investment decisions b) Financial advice you give to others based on our Services c) Any actions taken in reliance on the "Loghical's" or other AI-generated content
3. 13.3 Third-Party Services
   1. 13.3.1 Indemnity for Third-Party Interactions: You agree to indemnify Loghic against any claims arising from your interactions with third-party services or financial advisors accessed through our platform.
4. 13.4 Notification of Claims
   1. 13.4.1 Duty to Notify: You agree to promptly notify Loghic of any third-party claims, cooperate with Loghic in defending such claims, and pay all fees, costs, and expenses associated with defending such claims (including, but not limited to, attorneys' fees).
5. 13.5 Loghic's Right to Assume Defense
   1. 13.5.1 Defense Control: You agree that Loghic shall have the right, but not the obligation, to assume control of the defense and settlement of any third-party claims at its expense.
6. 13.6 No Settlement Without Consent
   1. 13.6.1 Settlement Restrictions: You agree not to settle any third-party claim without Loghic's prior written consent.
7. 13.7 Survival of Obligations
   1. 13.7.1 Post-Termination: This indemnification obligation will survive the termination of these Terms of Use and your use of the Services.
8. 13.8 Limitation on Indemnification
   1. 13.8.1 Jurisdictional Restrictions: In jurisdictions where limitations on indemnity provisions are enforced, the above indemnification obligation shall be limited to the fullest extent permitted by applicable law.
9. 13.9 Costs and Expenses
   1. 13.9.1 User Responsibility: In the event that Loghic is required to take action to enforce this indemnification provision, you agree to reimburse Loghic for all costs and expenses, including reasonable attorneys' fees, incurred in connection with such action.

By using our Services, you acknowledge that you have read, understood, and agree to this Indemnification clause. You understand that you are assuming significant legal and financial responsibilities by agreeing to indemnify Loghic as outlined above.

1. 14.1 Governing Law
   1. 14.1.1 Applicable Law: These Terms of Use and your use of the Services shall be governed by and construed in accordance with the laws of Australia without giving effect to any choice or conflict of law provision or rule.
2. 14.2 Jurisdiction
   1. 14.2.1 Exclusive Jurisdiction: Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Services shall be instituted exclusively in the federal courts of Australia, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country.
3. 14.3 Dispute Resolution Process
   1. 14.3.1 Informal Resolution: Before initiating any formal legal proceeding, you agree to first contact Loghic and attempt to resolve any disputes informally.
   2. 14.3.2 Formal Proceedings: If a dispute is not resolved within 30 days of submission, either party may bring a formal proceeding.
4. 14.4 Arbitration
   1. 14.4.1 Binding Arbitration: Any dispute, controversy, or claim arising out of or relating to these Terms of Use, including the formation, interpretation, breach, or termination thereof, including whether the claims asserted are arbitrable, will be referred to and finally determined by arbitration in accordance with the

      A) The International Arbitration Act 1974 (Cth) - This is a federal law that applies throughout Australia.

      B) The Commercial Arbitration Act 2010 (NSW) - This state law applies to domestic arbitrations in NSW, but can be relevant to international arbitrations in some contexts.

   2. 14.4.2 Arbitration Process: The tribunal will consist of one arbitrator. The place of arbitration will be Sydney, NSW, Australia. The language to be used in the arbitral proceedings will be English.
   3. 14.4.3 Confidentiality: The arbitration proceedings shall be confidential and neither party shall disclose to any person any information about the arbitration proceedings or any award made, except as may be necessary to prepare for or conduct the arbitration hearing on the merits, or except as may be necessary in connection with a court application for a preliminary remedy, a judicial challenge to an award or its enforcement, or unless otherwise required by law or judicial decision.
5. 14.5 Class Action Waiver
   1. 14.5.1 No Class Actions: You agree that you may only bring claims against Loghic in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.
6. 14.6 Time Limitation
   1. 14.6.1 Time to File: Any cause of action or claim you may have arising out of or relating to these Terms of Use or the Services must be commenced within one (1) year after the cause of action accrues, otherwise, such cause of action or claim is permanently barred.
7. 14.7 Injunctive Relief
   1. 14.7.1 Equitable Remedies: Notwithstanding the foregoing, Loghic may seek injunctive or other equitable relief to protect its intellectual property rights in any court of competent jurisdiction.
8. 14.8 Severability
   1. 14.8.1 Severability of Provisions: If any provision of this section is found to be unenforceable, the unenforceable provision shall be severed, and the remaining arbitration terms shall be enforced.

By using our Services, you acknowledge that you have read, understood, and agree to this Governing Law and Dispute Resolution clause. You understand that you are agreeing to the application of specific laws and to the use of arbitration to resolve disputes, as detailed above.

1. 15.1 Right to Modify
   1. 15.1.1 Loghic's Right: Loghic reserves the right, at our sole discretion, to modify or replace these Terms at any time. This includes, but is not limited to, changes to reflect updates to our Services, changes in the law, or changes in our business practices.
2. 15.2 Notice of Changes
   1. 15.2.1 Notification Method: If we make material changes to these Terms, we will provide notice through our Services, or by other means, to provide you the opportunity to review the changes before they become effective.
3. 15.3 Effective Date of Changes
   1. 15.3.1 Implementation: Changes to these Terms will become effective on the date specified in our notice, and such changes will apply to your use of the Services after the effective date.
4. 15.4 User's Acceptance of Changes
   1. 15.4.1 Implied Consent: Your continued use of our Services after the effective date of any changes constitutes your acceptance of the amended Terms.
   2. 15.4.2 Material Changes: For material changes to the Terms, we may require you to provide consent by acknowledging the new Terms before further use of our Services is permitted.
5. 15.5 User's Right to Reject Changes
   1. 15.5.1 Termination Option: If you do not agree with the changes to our Terms, you must stop using the Services. Your only recourse is to terminate your account.
6. 15.6 Previous Versions
   1. 15.6.1 Accessibility: Previous versions of the Terms may be available upon request. However, the most current version will supersede all previous versions.
7. 15.7 Regular Review
   1. 15.7.1 User Responsibility: We encourage you to review these Terms periodically for any changes. Your use of the Services is subject to the most current version of the Terms at the time of such use.
8. 15.8 Change Log
   1. 15.8.1 Summary of Changes: A summary of significant changes may be provided in a change log or similar document accessible through our Services.
9. 15.9 Special Notifications
   1. 15.9.1 Material Changes: For changes that we deem particularly significant, we may provide additional notice, such as an email notification or an in-app message.
10. 15.10 Severability of Changes
    1. 15.10.1 Partial Invalidity: If any change to these Terms is found to be invalid, void, or for any reason unenforceable, that change shall be severable and shall not affect the validity and enforceability of any remaining changes or the Terms as a whole.

By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, you are no longer authorized to use the Services.

1. 16.1 Entire Agreement
   1. 16.1.1 Complete Understanding: These Terms of Use, together with our Privacy Policy and any other legal notices published by Loghic on the Services, shall constitute the entire agreement between you and Loghic concerning the Services.
2. 16.2 Severability
   1. 16.2.1 Partial Invalidity: If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.
3. 16.3 No Waiver
   1. 16.3.1 Continued Enforceability: No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and Loghic's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
4. 16.4 Assignment
   1. 16.4.1 Loghic's Right to Assign: Loghic may assign or delegate these Terms of Use, in whole or in part, to any person or entity at any time with or without your consent.
   2. 16.4.2 User's Limitation: You may not assign or delegate any rights or obligations under the Terms of Use without Loghic's prior written consent, and any unauthorized assignment and delegation by you is void.
5. 16.5 Relationship of Parties
   1. 16.5.1 No Agency: No joint venture, partnership, employment, or agency relationship exists between you and Loghic as a result of these Terms or use of the Services.
6. 16.6 Force Majeure
   1. 16.6.1 Excusable Delay: Loghic shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including, but not limited to, acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes or shortages of transportation facilities, fuel, energy, labor or materials.
7. 16.7 Survival
   1. 16.7.1 Enduring Provisions: The sections of these Terms which by their nature should survive the termination of these Terms shall survive such termination, including, but not limited to, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
8. 16.8 Notices
   1. 16.8.1 To Loghic: Any notices or other communications permitted or required hereunder, including those regarding modifications to these Terms, will be in writing and given by Loghic: (i) via email (in each case to the address that you provide); or (ii) by posting to the Services.
   2. 16.8.2 To User: For notices made by e-mail, the date of receipt will be deemed the date on which such notice is transmitted.
9. 16.9 Headings
   1. 16.9.1 Non-Substantive: The section headings in these Terms of Use are for convenience only and have no legal or contractual effect.
10. 16.10 Contact Information
    1. 16.10.1 User Support: For customer service inquiries or support, please contact us at [insert contact email or web page].
11. 16.11 Electronic Communications
    1. 16.11.1 Digital Agreement: You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
12. 16.12 Geographic Restrictions
    1. 16.12.1 Regional Availability: Loghic makes no representation that all products, services, and/or material described on the Services are appropriate or available for use in locations outside the United States or all territories within the United States.
13. 16.13 Export Control
    1. 16.13.1 Compliance Requirement: You agree to comply with all applicable export and re-export control laws and regulations, including the Export Administration Regulations maintained by the U.S. Department of Commerce.

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these General Provisions as part of the overall Terms of Use.

At Loghic Pty Ltd ("Loghic", "we", "us", or "our"), we are committed to protecting the privacy and security of our users. This Privacy Agreement outlines how we collect, use, disclose, and safeguard your personal information when you use our SaaS platform for financial news, shareholder communication, and financial advisory services.

Our platform provides a space for listed companies to share updates, facilitates social networking among shareholders, and offers a marketplace for financial advisors. We understand the sensitive nature of financial information and take our responsibility to protect your data seriously.

This Privacy Agreement is designed to help you understand:

• What information we collect
• How we use and process that information
• Your rights regarding your personal data
• Our commitment to data security and protection

By using our platform, you agree to the collection and use of information in accordance with this policy. We encourage you to read this Agreement carefully and contact us if you have any questions or concerns.

At Loghic, we collect various types of information to provide and improve our services. The information we collect includes:

1. 2.1 Personal Information
   • Basic profile information: name, email address, phone number, and profile picture
   • Professional information: job title, company affiliation, and professional qualifications
   • Financial information: investment preferences and history (note: we do not collect or store bank account or credit card details)
2. 2.2 Company Information
   • For listed companies: company profiles, news releases, financial reports, and other public disclosures
   • User-generated content related to companies, such as comments, analyses, and ratings
3. 2.3 Social Media Data
   • User interactions: likes, shares, comments, and connection networks
   • User-generated content: posts, articles, and messages sent through our platform
4. 2.4 Financial Advisor Marketplace Data
   • Advisor profiles and credentials
   • Subscription information and transaction history
   • Content created by advisors, including analyses, recommendations, and reports
5. 2.5 Automatically Collected Information
   • Log data: IP address, browser type, pages visited, time and date of visits, time spent on pages
   • Device information: device type, operating system, and unique device identifiers
   • Cookies and similar technologies: used to enhance user experience and collect usage information
6. 2.6 AI-Generated Content ("Loghical's")
   • Data used to generate AI summaries, including publicly available news and financial information
   • User interactions with AI-generated content
   • 2.7 Third-Party Information
     • Information from third-party services if you choose to link them to your Loghic account
     • Publicly available information about individuals and companies

We collect this information when you:

• Create and use your account
• Interact with our platform features
• Subscribe to advisor services
• Communicate with other users or with us
• Access our services through third-party platforms

Loghic is committed to collecting only the information necessary to provide our services and improve your experience on our platform. We do not collect sensitive personal information unless it is voluntarily provided and necessary for specific services.

At Loghic, we use the information we collect for various purposes to provide, maintain, and improve our services. Here's how we use your information:

1. 3.1 Provide and Maintain Services
   • To operate and deliver the services you've requested
   • To authenticate users and provide access to our platform
   • To process transactions and send related information, including confirmations and invoices
   • To provide customer support and respond to your inquiries
2. 3.2 Personalization and Improvement
   • To personalize your experience on our platform
   • To recommend content, connections, and services that might interest you
   • To improve our services and develop new features
   • To generate and refine AI-generated content ("Loghical's")
3. 3.3 Communication
   • To send administrative messages, updates, security alerts, and support messages
   • To facilitate communication between users on our platform
   • To notify you about changes to our services
4. 3.4 Analytics and Research
   • To analyze usage patterns and trends
   • To monitor and prevent fraudulent activity, abuse, and other harmful activity
   • To troubleshoot and protect against errors
   • To measure the effectiveness of our marketing and advertising
5. 3.5 Legal and Regulatory Compliance
   • To comply with legal obligations
   • To enforce our terms of service and other policies
   • To establish, exercise, or defend legal claims
6. 3.6 With Your Consent
   • For any other purpose with your consent

We process personal information for these purposes given our legitimate interest in improving and promoting our services, and where necessary, with your consent or for compliance with legal obligations to which we are subject.

We will not use your information for purposes other than those outlined in this Privacy Agreement without providing you with notice and, where required by law, obtaining your consent.

Loghic is committed to maintaining your trust, and we want you to understand when and with whom we may share the information we collect. We do not sell your personal information. Here's how we may share your information:

1. 4.1 With Other Users
   • When you post content or interact on our platform, your profile information and content may be visible to other users
   • If you connect with a financial advisor, necessary information will be shared to facilitate the service
2. 4.2 With Your Consent
   • We may share your information with third parties when you explicitly consent to such sharing
3. 4.3 Service Providers
   • We may share your information with third-party vendors, consultants, and other service providers who need access to such information to carry out work on our behalf (e.g., hosting, data analysis, email delivery, customer service)
4. 4.4 Legal Requirements
   • We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court or government agency)
   • To enforce our terms and conditions
   • To protect our rights, privacy, safety, or property, and/or that of our users or others
5. 4.5 Business Transfers
   • If Loghic is involved in a merger, acquisition, or sale of all or a portion of its assets, your information may be transferred as part of that transaction
   • We will notify you via email and/or a prominent notice on our website of any change in ownership or uses of your personal information
6. 4.6 Aggregated or De-identified Data
   • We may share aggregated or de-identified information that cannot reasonably be used to identify you
7. 4.7 Listed Companies and Financial Advisors
   • Information related to user interactions with listed company profiles or financial advisor services may be shared with the respective companies or advisors in an aggregated or anonymized form
8. 4.8 Third-Party Integrations
   • If you choose to connect your Loghic account with third-party services, we may share information necessary to facilitate this connection

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

At Loghic, we strive to retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. Here's our approach to data retention:

1. 5.1 Active Accounts
   • We will retain your personal information for as long as your account is active or as needed to provide you with our services
2. 5.2 Inactive Accounts
   • If your account becomes inactive, we may retain your personal information for a reasonable period of time (typically 12 months) in case you decide to reactivate your account
3. 5.3 Legal and Regulatory Requirements
   • We may retain certain information for longer periods if required by law or regulation, or to comply with our legal obligations
4. 5.4 Business Purposes
   • We may retain certain information for legitimate business purposes, such as fraud prevention, maintaining security, or supporting business analytics
5. 5.5 User-Generated Content
   • Content you have shared on our platform (such as posts, comments, or analyses) may remain visible to other users even if you delete your account, unless you specifically delete such content
6. 5.6 Aggregated and Anonymized Data
   • We may retain aggregated and anonymized data indefinitely, as this information cannot be used to personally identify you
7. 5.7 Data Deletion
   • You can request deletion of your personal information at any time (subject to certain exceptions required by law)
   • Upon receipt of a verifiable request, we will delete your personal information from our records unless an exception applies
8. 5.8 Data Minimization
   • We regularly review our data retention practices to ensure we're not keeping data longer than necessary

When we no longer have a legitimate business need to process your personal information, we will either delete or anonymize such information. If this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

At Loghic, we respect your rights concerning your personal information. Depending on your location and applicable laws, you may have the following rights:

1. 6.1 Right to Access
   • You have the right to request a copy of the personal information we hold about you
2. 6.2 Right to Rectification
   • You can request that we correct any inaccurate or incomplete personal information we hold about you
3. 6.3 Right to Erasure (Right to be Forgotten)
   • In certain circumstances, you can request that we delete your personal information from our records
4. 6.4 Right to Restrict Processing
   • You can request that we limit the way we use your personal information
5. 6.5 Right to Data Portability
   • You can request a copy of your personal information in a structured, commonly used, and machine-readable format
6. 6.6 Right to Object
   • You have the right to object to our processing of your personal information in certain circumstances
7. 6.7 Right to Withdraw Consent
   • Where we rely on your consent to process your personal information, you have the right to withdraw that consent at any time
8. 6.8 Rights Related to Automated Decision Making
   • You have the right to not be subject to a decision based solely on automated processing, including profiling, which produces legal effects concerning you or similarly significantly affects you

To exercise any of these rights, please contact us using the information provided in the "Contact Information" section of this agreement. We will respond to your request within the time period required by applicable law.

Please note:

• We may need to verify your identity before processing your request
• We may not be able to comply with your request in all circumstances, particularly if it conflicts with our legal obligations or legitimate business interests
• Some of these rights may be limited where we have compelling legitimate grounds to process your information or where we need to comply with legal requirements

If you are not satisfied with how we have responded to your request, you have the right to complain to the data protection authority in your jurisdiction.

At Loghic, we take the security of your personal information seriously. We implement appropriate technical and organizational measures to protect your data against unauthorized or unlawful processing, accidental loss, destruction, or damage. Here are some of the security measures we employ:

1. 7.1 Encryption
   • We use industry-standard encryption protocols to protect data transmission between your device and our servers
   • Sensitive information, such as passwords, is encrypted at rest
2. 7.2 Access Controls
   • We restrict access to personal information to employees, contractors, and agents who need to know that information in order to process it for us
   • These individuals are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations
3. 7.3 Regular Security Audits
   • We conduct regular security assessments and penetration tests to identify and address potential vulnerabilities
4. 7.4 Secure Data Storage
   • We store data in secure, SOC 2 compliant data centers
   • We implement multiple layers of security to protect against unauthorized access
5. 7.5 Incident Response Plan
   • We have a comprehensive incident response plan in place to quickly address any potential data breaches
6. 7.6 Employee Training
   • Our employees undergo regular training on data protection and security best practices
7. 7.7 Third-Party Service Providers
   • We carefully select our third-party service providers and require them to use appropriate security measures
8. 7.8 Regular Updates
   • We regularly update our systems and software to address newly discovered vulnerabilities

   While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security.

9. 7.9 User Responsibilities
   • You are responsible for maintaining the confidentiality of any login credentials associated with your account
   • We recommend using strong, unique passwords and enabling two-factor authentication where available
10. 7.10 Data Breach Notification
    • In the event of a data breach that affects your personal information, we will notify you and the relevant authorities as required by applicable law

If you have any concerns about the security of your information, please contact us immediately using the information provided in the "Contact Information" section of this agreement.

Loghic's services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us. If we become aware that we have collected personal information from children without verification of parental consent, we take steps to remove that information from our servers.

Loghic is based in Australia and your information may be transferred to, stored, and processed in countries other than the country in which you are resident. These countries may have data protection laws that are different from the laws of your country.

We have taken appropriate safeguards to require that your personal information will remain protected in accordance with this Privacy Agreement. These include:

• Implementing the European Commission's Standard Contractual Clauses for transfers of personal information between our group companies and between us and our third-party providers. These clauses require all recipients to protect personal information that they process from the EEA in accordance with European data protection laws.
• Ensuring that recipients of your personal information in countries without adequate data protection laws are contractually obliged to protect your data to standards required by the GDPR.

By using our services, you consent to your personal information being transferred to other countries, including countries that have different data protection rules than your country.

We may update this Privacy Agreement from time to time in response to changing legal, technical, or business developments. When we update our Privacy Agreement, we will take appropriate measures to inform you, consistent with the significance of the changes we make.

We will obtain your consent to any material Privacy Agreement changes if and where this is required by applicable data protection laws.

You can see when this Privacy Agreement was last updated by checking the "Last Updated" date displayed at the top of this Privacy Agreement.

We encourage you to periodically review this Privacy Agreement for the latest information on our privacy practices.

If you have any questions about this Privacy Agreement, our privacy practices, or if you would like to exercise your rights, please contact us at:

Loghic Pty Ltd L7 68-70 Dixon street, Haymarket, NSW, Australia, 2000 Email: privacy@loghic.com Phone: 1800 733 416

If you have unresolved concerns, you have the right to complain to a data protection authority where you live, work, or where you believe a breach of data protection law has occurred.

At Loghic Pty Ltd ("Loghic", "we", "us", or "our"), we are committed to safeguarding your privacy and ensuring that your experience on our website is secure and transparent. This Cookies Policy explains how we use cookies and other tracking technologies on our website to provide you with the best experience possible.

Cookies are small text files placed on your device by websites you visit. They help websites recognize your device and store certain information about your preferences or past actions. Cookies help us deliver a better browsing experience and enable certain functionalities of our website.

We use cookies for various purposes, including:

1. Essential Cookies: These cookies are necessary for the proper functioning of the website, such as enabling you to log in, navigate between pages, and access secure areas.
2. Analytics Cookies: These cookies allow us to track and analyze website traffic and user behavior to improve website performance. For example, we use Google Analytics to monitor how users engage with our website and identify areas for improvement.
3. Preference Cookies: These cookies store information about your preferences, such as language settings or region, to customize your experience.
4. Advertising Cookies: We may use cookies to show you relevant ads related to financial markets, companies listed on the ASX or US markets, and other financial products. These cookies also limit the number of times you see an ad and help measure the effectiveness of advertising campaigns.

In some cases, we may allow third-party service providers (such as Google, Facebook, or LinkedIn) to place cookies on your device to track your browsing habits, serve targeted ads, or analyze website traffic. These third parties may have their own privacy and cookies policies, which we recommend you review.

By continuing to use our website, you consent to the placement of cookies on your device. You may withdraw your consent at any time by changing your browser settings to disable cookies. Please note that disabling certain cookies may affect the functionality of our website.

You can manage and delete cookies using your browser settings. Below are links to instructions for managing cookies in popular browsers:

1. Google Chrome
2. Mozilla Firefox
3. Microsoft Edge
4. Safari

We may update this Cookies Policy from time to time to reflect changes in technology, legal requirements, or our operations. Any changes will be posted on this page with an updated date at the top.

If you have any questions about this Cookies Policy, please contact us at: Loghic Pty Ltd L7 68-70 Dixon street, Haymarket, NSW, Australia, 2000 Email: privacy@loghic.com Phone: 1800 733 416