Home Terms of Use & Privacy Policy

Terms of Use & Privacy Policy

By Niko Kharchilava
5 articles

Referral Program Terms & Conditions

Effective Date: September 22, 2025 Program Name: ICLUB Referral Program ("Referral Program")   These Terms & Conditions (“Terms”) govern your participation in the Referral Program offered by TA Ventures Series LLC, a company incorporated under the laws of Delaware ("Company", "we", "our", or "us"). By participating in this Referral Program, you (“Referrer”) agree to the Terms below. 1. Program Overview The Company offers existing investors the opportunity to refer new clients to our investment platform. Through this Referral Program, Referrers may share a unique referral link. When a new investor (“Referee”) registers through the link and completes their first investment, both parties receive benefits as outlined below. 2. Referral Benefits For the Referee (New Investor): The Referee will receive a 20% discount on the management fee related to their first investment only, regardless of the investment amount. The discount is applied automatically before payment of the management fee. For the Referrer (Existing Investor): Upon the Referee completing their first investment and paying the associated management fee, the Referrer will receive a $100 discount on their own next investment's management fee. This discount is automatically applied and must be used within 12 months from the date of issuance. Referrers may accumulate multiple $100 discounts from multiple successful referrals. These discounts will be combined and automatically deducted from the Referrer’s next eligible management fee. 3. Eligibility Criteria Referrers must be existing investors with an active account and in good standing with the Company. Referees must be new to the platform, with no prior registration or investment. The Referee’s 20% discount applies strictly to their first investment only and cannot be transferred, split, or reused. Each Referee may use only one referral link. Self-referrals are strictly prohibited and will result in disqualification from the program. 4. Discount Conditions Discounts cannot be exchanged for cash, transferred, or applied to past investments. Accumulated Referrer discounts can only be used on future investments and will be automatically deducted from the management fee at the time of payment. Unused discounts expire 12 months after the date of issuance. 5. Misuse & Limitations The Referral Program is intended for personal use only. Referral links may not be distributed via paid advertising, commercial websites, or public forums without prior written approval of the Company. Any attempt to manipulate, game, or abuse the Referral Program (including fraudulent registrations or investments) will lead to immediate disqualification and forfeiture of all discounts. We reserve the right to cap the total referral rewards per investor at our sole discretion. 6. Changes and Termination We reserve the right to amend, suspend, or terminate this Referral Program or its Terms at any time and for any reason, with or without prior notice. Any such changes will become effective upon posting or communication to participants. 7. Limitation of Liability We accept no responsibility for errors, delays, or technical issues that may prevent participation or the correct application of discounts. In no event shall the Company be liable for any indirect, incidental, or consequential damages arising from participation in the Referral Program. 8. Governing Law These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law rules. 9. Contact For questions or support related to the Referral Program, please contact: TA Ventures Series LLC investors@iclubventures.com

Last updated on Jan 15, 2026

Who is a U.S. Person?

For purposes of the ICLUB Application, a “U.S. Person” is: 1) a natural person who is a U.S. citizen (even if residing outside the United States); 2) a natural person who is a resident in the United States; 3) a partnership or corporation organized or incorporated under the laws of the United States; 4) an estate of which any executor or manager is a U.S. Person; 5) a trust of which any trustee is a U.S. Person; 6) an agency or branch of a foreign entity located in the United States; 7) a non-discretionary account or similar account (other than an estate or trust) held by a dealer or other fiduciary for the benefit or account of a U.S. Person; 8) a discretionary account or similar account (other than an estate or trust) held by a dealer or other fiduciary organized, incorporated, or (if an individual) resident in the United States; or 9) a partnership or corporation if (A) organized or incorporated under the laws of any foreign jurisdiction and (B) formed by a U.S. Person principally for the purpose of investing in securities not registered under the Securities Act, unless it is organized or incorporated, and owned, by accredited investors (as defined in Rule 501(a)) who are not natural persons, estates or trusts. Notwithstanding the foregoing to the contrary, the following are not “U.S. Persons”: (i) a discretionary account or similar account (other than an estate or trust) held for the benefit or account of a non-U.S. Person by a dealer or other professional fiduciary organized, incorporated, or (if an individual) resident in the United States; (ii) an estate of which any professional fiduciary acting as executor or manager is a U.S. Person if (A) an executor or manager of the estate who is not a U.S. person has sole or shared investment discretion with respect to the assets of the estate and (B) the estate is governed by foreign law; (iii) a trust of which any professional fiduciary acting as trustee is a U.S. Person, if a trustee who is not a U.S. Person has sole or shared investment discretion with respect to the trust assets, and no beneficiary of the trust (and no settler if the trust is revocable) is a U.S. Person; (iv) an employee benefit plan established and administered in accordance with the law of a country other than the United States and customary practices and documentation of such country; (v) an agency or branch of a U.S. Person located outside the United States if (the agency or branch operates for valid business reasons and (B) the agency or branch is engaged in the business of insurance or banking and is subject to substantive insurance or banking regulation, respectively, in the jurisdiction where located; and (vi) the International Monetary Company, the International Bank for Reconstructions and Development, the Inter-American Development Bank, the Asian Development Bank, the African Development Bank, the United Nations, and their agencies, affiliates and pension plans, and any other similar international organizations, their agencies, affiliates and pension plans. “United States” means the United States of America, its territories and possessions, any State of the United States and the District of Columbia.

Last updated on Jan 15, 2026

ICLUB PRIVACY POLICY

At ICLUB Global, your privacy matters to us, and are we committed to protecting it. This privacy policy (further referred to as “Privacy Policy”) explains what information we collect about you and why. Please read it carefully to understand what rights you have and how you can control how we handle your personal data. WHO WE ARE & HOW THIS PRIVACY POLICY APPLIES The ICLUB group is made up of different legal entities. In this regard, whenever dealing with one of the ICLUB group companies (the “Company”), the controller of your Data will be the company that determines the "means" and the "purposes" of any processing activities that it carries out.   1. For the management of the Website, the controller of your personal data is TA VENTURES SWISS HOLDING GmbH, a legal entity established and registered under the laws of Switzerland and having its registered address at с/o Grant Thornton AG Claridenstrasse, 35, 8002, Zurich, Switzerland identification number CHE-116.263.623; 2. For the management of the mobile applications, the controller of your personal data is TA Ventures Series LLC, registered under the laws of Delaware, file No. 7958486;  (Collectively - "We", “we”, “us” and “ICLUB”, as applicable). ICLUB group companies may share your personal data with each other and if they do so, they will use it consistently with this Privacy Policy. This Privacy Policy is part of our Terms of Use. Unless otherwise specified, the terms used in this policy shall have the same meaning as in the Terms of Use. This Privacy Policy applies to all personal data collecting and processing activities carried out by us, across platforms, websites, and mobile applications. To the extent that you are a customer or user of our services, this Privacy Policy applies together with any terms of business and other contractual documents, including but not limited to any agreements we may have with you. When we process your personal data, we act as a controller for such personal data processing and are regulated by the Swiss Federal Act on Data Protection, and in case of applicability the General Data Protection Regulation (which applies across the European Economic Area), or another regulation that may apply in specific cases. By applying a check into the box next to the statement that “I agree to the Terms of Use and Privacy Policy of ICLUB” on our Website or mobile application, you provide an express consent to be legally bound by the terms and conditions of this Privacy Policy & Cookie Policy, including any amended or modified versions as may occur in the future. ICLUB refers to an ecosystem comprising of our website (iclub.vc) (further referred to as “Website”), and mobile applications that are developed to offer ICLUB services. WHAT PERSONAL DATA WE COLLECT When you access and use ICLUB Website, mobile applications, and / or services, ICLUB collects the following personal data: a. full name, address, nationality, and date of birth; b. an identity document and a document proving the residential address; c. payment information (bank name; bank account owner full name; bank account owner address; account number; bank account country; IBAN; BIC/SWIFT; etc.) d. Know Your Client (KYC) data, such as wealth, income, education, previous investment experience, entities controlled by you, information about the family status, etc.); e. photographs with identifiable individuals; f. phone number, emails, and other contact information; g. other information as may be legally requested by regulatory authorities in specific cases; h. social media links; i. usage statistics of the Website, IP address, information on the device, and its location. USE OF COLLECTED PERSONAL DATA We will collect your personal data for the following purposes: I. “SERVICE DELIVERY”, which means: the enforcement of the Terms of Use; the performance of the Terms of Use and the provision of the ICLUB services, research, and development to improve our services as well as the layout of and content on the Website, mobile applications. II. “REGULATORY COMPLIANCE”, which means: activities and actions including without limitation due diligence and record-keeping to enable compliance with anti-money laundering and anti-terrorist financing compliance with the Swiss, EU, US, and global anti-money laundering and anti-terrorist financing regulations; activities and actions including without limitation record keeping to enable data privacy compliance in compliance with any applicable data privacy laws; tax compliance to enable tax compliance with Swiss tax laws; and activities and actions to enable compliance with proper requests from regulatory agencies, courts, law enforcement and other bodies and authorities where such is a legal requirement under the applicable jurisdiction. III. “SALES AND MARKETING”, which means, subject to your explicit consent: sending you marketing and promotional materials via email, Website, or other online communication tools; to provide you with certain business management tools that improve your experience with ICLUB and our services. IV. “STATISTICAL”, which means, subject to your explicit consent: improving your experience with a Website or our services, or more provide marketing adjusted to your preferences. Personal data set out in para. a-g in Section “What personal data we collect” is strictly necessary for the purposes of ICLUB “Services Delivery” and / or “Regulatory Compliance”. You can object or restrict in certain cases to such processing of personal data but please note that such data processing is strictly necessary to provide you with our services, and in this case, ICLUB will not be able to perform our services in a proper manner. In such case, ICLUB may terminate your use and / or access to all or part of our services without incurring any liability whatsoever. Additionally, ICLUB collects personal data mentioned in para. f, h in Section “What personal data we collect” for the “Sales and Marketing” purposes and personal data mentioned in para. i for “Statistical” purpose subject to your explicit, informed, and unambiguous consent. You can withdraw your consent at any time for such specific data processing if you send the request to legal@taventures.vc. HOW LONG YOUR PERSONAL DATA WILL BE KEPT We will hold all the information referenced above that we collect in support of Regulatory Compliance for 5 years, or for as long as necessary to comply with the applicable regulations. Personal data collected for other purposes (except for the Regulatory Compliance purpose) for as long as necessary to ensure the completion of such applicable purposes. COOKIES ICLUB also uses cookies to provide, promote, or measure traffic and usage of our services. More information on the use of cookies is set forth below in the Cookies Policy. YOUR RIGHTS According to an applicable data protection regulation (the Swiss Federal Act on Data Protection, the General Data Protection Regulation, etc., depending on where you live), you have a range of important rights that you may exercise anytime and free of charge: - fair processing and transparency over how we use and receive your personal data; - have access to your personal data and receive your personal data in a structured, commonly used, and machine-readable format and have the right to transmit those data to a third party in certain situations; - require us to correct any mistakes in personal data we collected or require the erasure of personal data concerning you in certain cases; - object at any time to the processing of your personal data in case of direct marketing; - object to decisions being taken by automated means which produce legal effects for you or affect you in any substantial way; - object or restrict in certain cases our processing of your personal data as well as claim compensation for damages caused by our violation of any data protection laws. If you would like to exercise any of those rights, please contact us at legal@taventures.vc. After we identify you in a sufficient manner, we will provide you with your personal data as requested within 3 business days. KEEPING YOUR PERSONAL DATA SECURE We are committed to protecting the security of your personal data. ICLUB has appropriate technical and organizational measures to prevent and avoid data breaches or any other unauthorized access and / or disclosure of your personal data. We also have necessary data breach response plans to deal with any suspected violations. We will make sure to notify you and / or any respective regulatory authority of such a data breach if we are legally required to do so. We will also provide information on further protective steps. THIRD-PARTY SERVICE PROVIDERS Some third-party services that work with us can ask for your approval to access your personal data. Please consider if you give your consent for such access, as any personal data collected by third-party service providers are subject to the policies of such third-party service providers. Our Website or mobile application may also contain links to other websites. Please take into account that this Privacy Policy is not applicable to such websites, and ICLUB is not responsible for any privacy practice or personal data processing conducted by such websites and / or third-party providers. We may share your personal data with third parties if we believe that sharing your personal data is in accordance with, or required by, any contractual relationship with you or us, applicable law, regulation or legal process. The third-party service providers only have access to personal information needed to perform their functions but may not use it for other purposes. Further, they must process the personal information in accordance with our contractual agreements and only as permitted by applicable data protection laws. In particular, we employ the following third-party provider for the purposes of ensuring KYC and AML compliance: Sumsub (Sum and Substance Ltd.). For your convenience please find their privacy policy by the link https://sumsub.com/privacy-notice-service. INTERNATIONAL DATA TRANSFERS Within ICLUB, access to your personal data is provided only to fulfill our contractual and legal obligations, preserve legitimate interests, or provide our services in a proper manner. For other cases, we make sure to obtain your consent before sharing your personal data with others. Access to any personal data is permitted only by legal entities of ICLUB, its affiliates or subsidiaries worldwide, and third-party service providers located in: - Switzerland; - countries offering an adequate level of data protection as specified in the list of countries published by the Swiss Federal Data Protection and Information Commissioner. - selected jurisdictions: Ukraine, the USA, Cyprus. ICLUB, its affiliates, and our third-party service providers are required by law and / or contract to keep your personal data confidential unless other is required by law. We make sure to provide technical and organizational measures to safeguard your personal data from potential data breaches and misuse. GOVERNING LAW AND JURISDICTION This Privacy Policy shall be governed by Swiss law (including, the Swiss Federal Act on Data Protection) at the exclusion of any provisions of the conflict of law rules that might lead to the application of other than Swiss law. We hope to resolve any of your concerns regarding this Privacy Policy or our use of data. You also have a right to lodge a complaint with a supervisory authority, depending on where you live (the Federal Data Protection and Information Commissioner in Switzerland, or a respective data protection supervisory authority in the EU, if you are an EU resident, etc.). You irrevocably agree to the exclusive jurisdictions of the competent court of Switzerland in case of any conflict arising in connection with this Privacy Policy. AMENDMENTS TO THIS PRIVACY POLICY This Privacy Policy was updated on 6 December 2024. ICLUB keeps evolving, and we may need to update this Privacy Policy in the future to keep it in line with our services, applicable laws, or regulations. In case of any substantial changes to this Privacy Policy that will have an impact on your rights, we will make sure to notify you by email or other any other convenient way. Please note that if you continue using ICLUB Website or mobile application and services after any changes, it means that you agree and provide consent to any such changes. If you disagree with any changes, please stop using our website, mobile application and services. HOW TO CONTACT US Please contact legal@taventures.vc if you have any questions concerning this Privacy Policy or personal data we hold about you.

Last updated on Jan 15, 2026

ICLUB Terms of Use

The ICLUB Global Application (hereinafter – the “App”) provides information regarding potential investment opportunities and allows users (“you” or “User”) to evaluate and commit to participating in certain investment opportunities. These terms of use (the “Terms”) constitute an agreement between you and TA Venture Series LLC and its affiliated entities (hereinafter collectively - “us”, “we” or “ICLUB”) with regard to your use of services available by means of this App (“Services”); please read them carefully. TA Venture Holding Ltd does not own, manage or operate the App nor does it provide any of the Services; it appears only as a technology provider for ICLUB. By registering in our App, by clicking "I accept" following these Terms, or by using this App you accept the legally binding Terms set forth below, as well as the terms of our Privacy Policy, which is incorporated in its entirety herein. IF YOU DO NOT AGREE TO THE TERMS, YOU SHOULD EXIT AND CEASE ALL USE OF OUR APP AND SERVICES. The information provided on the App is not intended for distribution to or use by any person (legal or natural) in any jurisdiction where such distribution or use would be contrary to any laws or regulations which would subject us to any registration requirement within such jurisdiction.  Those persons who access the App from such jurisdictions choose to do so at their own initiative. 1. Services. This App presents information regarding potential investment opportunities and allows you to designate investment opportunities in which you are interested. However, such selection does not mean that you will be permitted to participate in such transaction. Our decisions to permit your participation are subject to, among other things, demonstration to our satisfaction that you meet legal requirements for participation, consent of relevant third parties, execution of definitive documentation, and our discretion. We make no representation or warranty that the potential transaction you have identified as interesting for you will take place, or that if it takes place that you will be allowed to participate in it. ICLUB is guided by an internal allocation policy with the ability to deviate from such guideline, if and as necessary, at its sole discretion. Hence, you acknowledge that your participation in any given opportunity is not guaranteed. If you are offered the opportunity to participate in a transaction, you will be required to sign additional legal documentation. ICLUB management decisions are final in all matters relating to the App, Services and other activities related to the App. Following your participation in a transaction, ICLUB may send you communications with important updates related to investment and/or follow-on investment opportunities, in which you expressed interest. You are responsible to carefully review all ICLUB communications, engage with the appropriate representatives and respond in due course, to the extent applicable. You acknowledge that failure on your part to review communicated materials and/or to respond to certain opportunities and/or take certain actions may negatively affect your ability to invest and may even significantly diminish the interest and/or value of your investment. 2. Legality. Use of the App in violation of applicable laws is expressly prohibited. You are solely responsible for verifying that your use of the App and consummation of transactions taking place outside of this App are permitted in your jurisdiction and comply with all applicable laws, regulations, orders and court decisions. IF YOU HAVE ANY QUESTIONS REGARDING LEGALITY IN YOUR JURISDICTION, PLEASE CONSULT A LEGAL COUNSEL. WHEN YOU ACCESS, REGISTER FOR OR USE THE APP, YOU DO SO AT YOUR OWN INITIATIVE, RISK, AND YOU ARE SOLELY RESPONSIBLE FOR COMPLYING WITH ALL APPLICABLE RULES AND REGULATIONS IN CONNECTION WITH ACTIVITIES RELATING TO THE APP. 3. No Financial/Investment Advice. The App does not offer investment or financial advice or recommendation of investments. We recommend that you consult with qualified professionals prior to making actual investments or financial decisions. Any information available through the App is not offered as financial or investment advice and should not be the basis for actual financial activities. We are not liable for any reliance on information available through this App by you or anyone who you may inform of its contents. THE INFORMATION ON THE APP IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A CROWDFUNDING PLATFORM OR AN OFFER OR SOLICITATION TO PURCHASE OR COMMIT TO ANY INVESTMENT SOLUTIONS OR A RECOMMENDATION TO BUY OR SELL ANY SECURITY NOR IS IT TO BE CONSTRUED AS INVESTMENT ADVICE. ADDITIONALLY, THE MATERIAL ON THE APP DOES NOT CONSTITUTE A REPRESENTATION THAT THE SOLUTIONS DESCRIBED THEREIN ARE SUITABLE OR APPROPRIATE FOR ANY PERSON. 4. Registration & Account Use. You must be at least Eighteen (18) years old in order to register for or use the App. Notwithstanding the foregoing, if you reside in a state, country or other jurisdiction that requires a higher minimum age for your use of the App or participation in its activities, you must comply with the applicable law. When you register with ICLUB and set up your account, you must: - provide ICLUB with accurate and complete information, including without limitation, your name, address, telephone number, and additional detailed financial and legal information needed to establish an account. You may also be required to provide additional and/or supplemental information in the future upon request by ICLUB; and - update your account information with any new information within thirty (30) days of changes to such information. Further, you will not use false identities or impersonate any other person or use a name that you are not authorized to use. We encourage you to read our Privacy Policy for information about our policies and procedures regarding the collection, use and disclosure of personal information we receive. You represent and warrant that all information you provide to us at registration or otherwise and in connection with use of the App shall be current, truthful and complete when provided. You are responsible for safeguarding and maintaining the confidentiality of your username, password and corresponding account information. You agree not to disclose your password to anyone. You agree that you are entirely and solely responsible for any and all activities or actions that occur under your ICLUB account, whether or not you have authorized such activities or actions. You hereby indemnify and, at our request, defend ICLUB against all claims, losses, damages or other liabilities arising from or relating to activities or actions that occur under your ICLUB account. You agree to notify ICLUB of any unauthorized use of your ICLUB account or any other breach of security within (24) twenty-four hours of such use being known to you. In the event that your username or password is stolen, please notify ICLUB immediately so that a new username or password can be created. You agree that you will not permit, enable, introduce or facilitate persons who do not have an ICLUB account to have access to or use of the App. WE MAY TERMINATE YOUR ACCOUNT IMMEDIATELY AND WITHOUT NOTICE IF YOU DO NOT COMPLY WITH THE TERMS OR IF WE BELIEVE YOUR PARTICIPATION IN THE APP DOES NOT COMPLY WITH APPLICABLE LAWS. 5. Intellectual Property Rights. ICLUB owns the copyright in the App and its content, including its overall appearance, graphics design and underlying source files. You may download or copy material from our App, only for your own personal, non-commercial use. Any other use is forbidden. Except as permitted above, you may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, create derivatives of, or use for any public or commercial purpose the contents of this App without the prior written permission of ICLUB. The entire contents of this App are protected by copyright and/or other intellectual property rights. No copyright notices, other intellectual property or legal notices or other identifying information may be removed from downloaded materials. You may not link to or frame this App or any portion hereof. ICLUB’s name and other ICLUB services names and logos referenced in the App are trademarks of ICLUB or its affiliates. Rights in other marks and logos which appear on the App are reserved to the owners thereof, and ICLUB is not affiliated with and does not endorse such entities. You may not separate from this App, or copy or download separate from our App, or otherwise use any of these trademarks or logos. Nothing contained in this App should be construed as granting any license or right to use any of these trademarks or logos. 6. Equipment. You are solely responsible for providing, maintaining and repairing at your own expense all equipment and ancillary services required to access, connect to or otherwise use the App and/or Services. 7. Non-Circumvention. You may not use the App, any content showcased on the App, or any other information acquired from ICLUB, viewed on the App, or otherwise exposed to through your use of the Services, for commercial or investment activity outside of the Services, without prior written approval from ICLUB. For sake of clarity, any use of information exposed to on the App for purposes of direct investment into any investment opportunity by way of circumvention of ICLUB and the Services, shall be considered a material breach of these Terms, for which you will be held liable in connection with any loss and/or damage incurred by ICLUB. 8. Limitations on Participation. You may establish only one account per person to participate in the activities offered on the App. The App reserves the right to monitor any effort to establish multiple accounts; in the event the App discovers that you have opened more than one account per person all additional accounts will be closed without notice and continued violation will result in the termination of any and all of your accounts and ICLUB may take any actions it deems necessary to that effect. The App also reserves the right to deny access to anyone, including, but not limited to, those users who use proxy servers and/or IP addresses residing in certain geographical areas. 9. Use of Non-Personally Identifying Information. Subject to the provisions below in respect of personal identifying information, any communication or material that you transmit to ICLUB through the App, by electronic mail or otherwise, including any data, questions, comments, suggestions and the like, is, and will be treated as, non-confidential and non-proprietary information. ICLUB may use such communication or material for any purpose whatsoever including, without limitation, for disclosure, reproduction and publication. In addition, ICLUB will be free to use any non-identifying statistical information relating to the App or use thereof without any compensation to you. 10. Use of Personally Identifying Information and Privacy Policy. You are not obligated under law to provide us with personally identifying information. However, if you do not provide certain personally identifying information, you will not be able to use certain features of this App. ICLUB will use your personally identifying information as set forth in our Privacy Policy as amended from time to time. You represent and warrant that you have reviewed the Privacy Policy and agree to its terms. 11. Security. We reserve the right to commence civil and/or criminal proceedings against unauthorized users of the App, or in connection with activities not in compliance with these Terms or applicable law. Records of user activities using the App may be accessed by law enforcement organizations. We will comply with court orders with respect to requests for information. You agree that the App is not responsible for any damage, loss or injury resulting from hacking, tampering or other unauthorized access or use of the App or your account. Any attempt to gain unauthorized use of the App's systems or any account, interfere with procedures or performance of the App, or deliberately damage or undermine the App is prohibited and will result in termination of your account, and civil and/or criminal prosecution. 12. Links. Our App may be linked to third party websites. ICLUB has no control over the content or information posted on such third-party websites and we do not assume and we expressly disclaim any responsibility or liability therefore. Third party websites may have terms of use and privacy policies that are different from those that apply to the App. You should refer to these third-party websites’ respective privacy notices and terms of use. 13. Emails & Correspondences. By registering in the App, you acknowledge and agree that we may send you email messages about ICLUB, our services and transactions. By accepting these Terms or using the App or the Services, you affirmatively consent to receive such commercial messages. As a registered member, you can deactivate your account and be removed from our mailing list by emailing us at investorrelations@iclub.vc. You will also be given the opportunity to unsubscribe from commercial messages in any such email we send. Please note that we reserve the right to send you service-related communications, including service announcements and administrative messages relating either to your account or to your transactions without offering you the opportunity to opt out of receiving them. 14. Use Guidelines. You must use the App in a manner consistent with any and all applicable laws and regulations. You may not engage in advertising to, or solicitation of, any User to buy or sell any products or services through the App. Although ICLUB cannot monitor the conduct of its Users off the App, it is also a violation of these rules to use any information obtained from the App to harass, abuse or harm another person or to contact, advertise to, solicit or sell to any User without their prior explicit consent. The App is made available for your personal, non-commercial use only. Businesses, organizations or other legal entities may not use the App for any purpose other than with respect to transactions with us. You may not use the App for any illegal or unauthorized purpose. International users agree to comply with all local rules regarding online conduct and acceptable content, including laws regulating the export of data from your country of residence. 15. Confidentiality. Our App and any other telephone, email, or other oral or written communication made to you by ICLUB, includes content and information provided by third parties, including information with respect to the business and/or financials and/or activities of such third parties which such third parties may deem as ‘confidential’ (“Confidential Information”). Users shall not, without the prior written approval of such third parties, publish or otherwise disclose to others, or use such Confidential Information for any purpose other than for purposes of reaching a decision whether to invest with and/or through ICLUB. 16. U.S. policy. ICLUB does not solicit or intend to offer Services to U.S. persons. The App is not intended to offer or to promote the offer or sale of the securities in the United States or to U.S. persons as defined in Regulation S under the US Securities Act of 1933. 17. Limitation of Liability; Disclaimers. ICLUB cannot guarantee that the information posted on this App or any information provided by ICLUB’s Investor Relations representatives in any verbal and/or written communications shared with you is accurate, complete or suitable for any purpose and if you choose to rely on such information you do so at your own risk. In addition, ICLUB cannot guarantee that the content posted on this App has not been affected by technical malfunctions or unauthorized tampering. ICLUB does not guarantee that material on this App will be free from infection, viruses, worms, Trojan horses and/or other code that has contaminating or destructive properties. It is your responsibility to take protective steps such as virus checking. ICLUB does not guarantee any specific level of availability of the App or Services. ICLUB will not be liable as a result of the App or Services unavailability or interruptions. ICLUB MAY ALTER OR REMOVE MATERIALS FROM THIS APP AT ANY TIME. THE APP AND RELATED SERVICES ARE OFFERED ON AN “AS-IS” BASIS. TO THE FULLEST EXTENT ALLOWED UNDER APPLICABLE LAW, ICLUB MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT, WITH RESPECT TO THE USE OF THIS APP OR ANY INFORMATION POSTED ON OR SERVICES OBTAINED THROUGH THIS APP, INCLUDING ANY INFORMATION PROVIDED BY ICLUB THROUGH OFF-APP COMMUNICATIONS, VERBAL OR WRITTEN. IN NO EVENT WILL ICLUB, ITS AFFILIATES, EMPLOYEES OR OFFICERS BE LIABLE FOR ANY DAMAGES OR LOSSES OF ANY KIND WHATSOEVER RESULTING TO YOU OR TO ANY THIRD PARTY DIRECTLY OR INDIRECTLY FROM ANY USE OF THIS APP OR DEFECT IN THIS APP OR ANY INFORMATION CONTAINED IN THIS APP OR UNAVAILABILITY OR MALFUNCTION OF THE APP OR ANY INFORMATION PROVIDED BY ICLUB THROUGH OFF-APP COMMUNICATIONS, VERBAL OR WRITTEN, INCLUDING BUT NOT LIMITED TO CONSEQUENTIAL, PUNITIVE, INCIDENTAL OR OTHER INDIRECT DAMAGES, OR LOSS OF INCOME, REVENUE, BUSINESS OR PROFITS. IF THE FOREGOING LIMITATION OF LIABILITY IS NOT ENFORCEABLE, LIABILITY OF ICLUB IN CONNECTION WITH THE APP, USE THEREOF OR INFORMATION APPEARING THEREIN OR ANY OTHER MATTER IS LIMITED TO $300 US DOLLARS. BY USING THIS APP, YOU EXPRESSLY ASSUME ALL RISK RELATING TO THIS APP AND USE THEREOF, INCLUDING, WITHOUT LIMITATION, THAT THE INFORMATION AND MATERIALS ON THIS APP AND IN OFF-APP COMMUNICATIONS MAY BE INCOMPLETE, INACCURATE, OUT-OF-DATE, OR MAY NOT MEET YOUR NEEDS OR REQUIREMENTS. To the maximum extent permitted by law, under no circumstances and under no legal theory (whether based in equity, contract, negligence, other tortious action, strict liability, or any other theory of liability), shall ICLUB, its officers, directors, employees, subsidiaries, or affiliated companies be liable for any direct, indirect, incidental, special, consequential, or punitive damages, such as, but not limited to, loss of revenue, loss of anticipated profits, goodwill, diminution of value, business interruption costs, or any other intangible losses (even if we have been advised of the possibility of such damages) arising out of, related to, caused by, or resulting in any way from damage from any security breach or any other security intrusion, or any virus, bugs, other malicious software or harmful components, tampering, interruption, delay in operation or transmission, computer line or network failure, or any other technical or other malfunction. Some jurisdictions do not allow the exclusion or limitation of liability for consequential, incidental, or other damages, so the above limitations may not apply to you. in these jurisdictions, ICLUB’s liability will be limited to the maximum extent permitted by law.

Last updated on Jan 15, 2026