TERMS AND CONDITIONS

1. INTRODUCTION

These Terms and Conditions (hereinafter referred to as the “Agreement”) constitute a legally binding contract between the user (hereinafter referred to as the “User”) and stockonspot (hereinafter referred to as the “Company”) governing the access to and use of the Company’s platform (hereinafter referred to as the “Platform”). The User acknowledges that by accessing, registering for, or using the Platform, they have read, understood, and agreed to be bound by the terms and conditions set forth in this Agreement.

In the event that the User does not agree with any provision of this Agreement, the User shall immediately cease all use of the Platform. The Company reserves the right to amend, modify, or replace this Agreement at any time at its sole discretion, and such changes shall take effect upon notice to the User through electronic means, including but not limited to email notifications or Platform alerts. Continued use of the Platform following such modifications shall constitute acceptance of the revised Agreement.

2. DEFINITIONS

For the purposes of this Agreement, the following definitions shall apply:

The term “Platform” refers to the digital financial technology system operated by the Company, which facilitates transactions related to dynamic discounting arrangements between Suppliers and Buyers. The term “Supplier” shall mean any business entity that offers a financial discount on an outstanding invoice in exchange for early payment. The term “Buyer” shall mean any business entity that opts to settle an invoice in advance of the due date in return for a negotiated financial discount. The term “User” refers to any person or entity that accesses or utilizes the Platform, whether as a Supplier, Buyer, or otherwise. The term “Transaction” shall mean any financial arrangement, execution, or agreement facilitated through the Platform.

3. USER ELIGIBILITY AND ACCOUNT RESPONSIBILITIES

By accessing the Platform, the User represents and warrants that they are at least eighteen (18) years of age or the legal age of majority in their jurisdiction and possess full legal capacity to enter into binding agreements. The User further warrants that they are duly authorized to act on behalf of any business entity they represent and that all information provided during registration is truthful, accurate, and current.

The User shall maintain the confidentiality of their account credentials and shall not disclose or share such credentials with any unauthorized third party. The User shall be solely responsible for any actions taken under their account, whether authorized or unauthorized. In the event of any suspected or actual unauthorized access, the User shall immediately notify the Company. The Company reserves the right to suspend or terminate any User account at its sole discretion in cases of suspected fraud, misrepresentation, or violation of this Agreement.

4. RIGHTS AND RESTRICTIONS ON USE

The User shall have a limited, non-exclusive, non-transferable, and revocable right to access and use the Platform strictly in accordance with this Agreement. The User shall use the Platform solely for legitimate business purposes and shall not engage in any unlawful, fraudulent, or deceptive conduct.

The User is expressly prohibited from submitting false, misleading, or fraudulent invoices or engaging in any conduct designed to manipulate, interfere with, or exploit the functionality of the Platform. The User shall not copy, reproduce, reverse-engineer, modify, distribute, or otherwise exploit any component of the Platform or its associated intellectual property without the prior written consent of the Company.

5. PAYMENT TERMS AND FEES

The Company reserves the right to impose transaction fees for services rendered through the Platform. All applicable fees shall be disclosed to the User prior to the completion of a Transaction. The User acknowledges and agrees that fees are non-refundable except where explicitly stated otherwise by the Company.

The processing of payments through the Platform shall be facilitated via third-party financial institutions. The Company disclaims all liability for payment processing errors, delays, or failures that arise from banking institutions, payment providers, or other financial intermediaries. The User acknowledges that they assume all risks associated with the execution of financial transactions through the Platform.

All Transactions executed on the Platform shall be considered final and irrevocable upon confirmation. In the event of a dispute regarding payment or financial discrepancies, the User shall engage directly with the counterparty to the Transaction. The Company reserves the right, but shall not be obligated, to intervene in disputes at its sole discretion.

6. INTELLECTUAL PROPERTY RIGHTS

All proprietary technology, trademarks, service marks, software, content, and other intellectual property associated with the Platform are and shall remain the exclusive property of the Company. Nothing in this Agreement shall be construed as granting the User any rights, title, or interest in or to any intellectual property owned by the Company, except for the limited license expressly provided herein.

The User shall not copy, modify, distribute, sublicense, or create derivative works based on any component of the Platform without the prior written consent of the Company. Any unauthorized use of the Company’s intellectual property shall constitute a material breach of this Agreement and may result in legal action.