Section 1. Nature of the Service

KnowWay Technologies™ is a pre-compliance content risk screening and documentation support tool. It is designed solely to assist users in organizing internal review workflows, highlighting potential content risks, and supporting documentation practices. It is not, and shall never be construed as, a substitute for any professional review, regulatory approval, or supervisory process.

The Service Does Not Provide — regardless of what outputs are generated — any of the following:

• Legal advice of any kind
• Compliance advice, opinions, or assessments
• Regulatory guidance, determinations, or interpretations
• Compliance approval, certification, or clearance
• Supervisory approval under any regulatory framework
• Tax advice or any opinion subject to Circular 230
• Any determination that content is compliant, permissible, lawful, or safe for publication

Section 1A. Review Priority Classifications

KnowWay™ assigns a Review Priority classification to all content submitted for review. These classifications are workflow indicators designed to help advisors prepare content for CCO submission. They do not constitute legal opinions, regulatory determinations, factual findings, or compliance approvals of any kind. All content, regardless of Review Priority level, must be independently reviewed and approved by your firm's CCO or qualified compliance personnel before publication or distribution.

Review Priority classifications are workflow indicators designed to help you prepare your content for CCO submission — not to evaluate, approve, or determine regulatory compliance. Review Priority assessments relate exclusively to the content submitted for review and do not constitute a statement, evaluation, or representation regarding any third-party platform, website provider, or technology service.

Section 1B. Intended Users and Service Scope

The Service is designed exclusively to assist Chief Compliance Officers (CCOs), compliance departments, designated supervisory principals, and other personnel holding compliance supervisory authority within their firm ("Authorized Compliance Users") in reviewing marketing and communications content prior to approval. All outputs of the Service are pre-review workflow aids directed solely to Authorized Compliance Users.

The Service does not provide output to, and is not intended for direct use by, registered representatives, investment advisor representatives, agents, or any individual who does not hold compliance supervisory authority within their firm, except to the extent such individuals submit content for review under the supervision and direction of an Authorized Compliance User.

No output of the Service constitutes advice, direction, instruction, approval, or authorization to any representative or agent. All compliance decisions, content approvals, and publication authorizations remain the sole responsibility of the firm's Authorized Compliance Users.

Section 2. User Representations & Obligations

By accessing or using the Service, you expressly represent, warrant, and irrevocably agree that you will have all content independently reviewed and formally approved by a qualified compliance officer, broker-dealer supervisory principal, RIA Chief Compliance Officer, or legal counsel BEFORE publishing, distributing, or using any such content.

You agree that you will not rely solely on the Service, any AI-generated output, or any report, score, flag, annotation, or suggestion generated by the Service as a substitute for required compliance review, supervisory approval, or legal advice.

Section 3. Strict Prohibition on Unapproved Use

YOU AGREE, AS AN EXPRESS CONDITION OF ACCESS, THAT YOU WILL NOT PUBLISH, DISTRIBUTE, TRANSMIT, OR OTHERWISE USE ANY CONTENT — IN WHOLE OR IN PART — THAT HAS NOT BEEN FORMALLY REVIEWED AND APPROVED BY YOUR APPLICABLE COMPLIANCE AUTHORITY.

This obligation is unconditional and applies regardless of whether the Service flagged or did not flag any content, regardless of the Review Priority classification assigned, and regardless of whether any output appeared to indicate compliance or approval. Review Priority classifications — including Review Ready, Routine Review, Focused Review, Priority Review, and Elevated Review — are workflow preparation indicators only and do not constitute compliance approvals or regulatory clearances of any kind.

Section 4. Sales Representative Eligibility

By submitting this agreement, you represent and warrant that you are not currently affiliated with or registered under any FINRA-member broker-dealer in any capacity that would subject your outside business activities to that firm's supervisory requirements. You further represent that your participation as a KnowWay Technologies™ sales representative does not violate any employment agreement, outside business activity policy, non-compete agreement, or regulatory obligation applicable to you. It is your sole responsibility to determine whether any disclosure or approval is required by any regulatory body, licensing authority, or employer prior to your participation. KnowWay Technologies™ does not provide legal or regulatory advice on this matter. If any representation made in this agreement is found to be false or misleading, KnowWay Technologies™ reserves the right to immediately terminate this agreement without notice or liability.

Section 5. No Refund Policy

ALL FEES PAID TO KNOWWAY TECHNOLOGIES™ ARE STRICTLY NON-REFUNDABLE. BY SUBMITTING THIS AGREEMENT YOU ACKNOWLEDGE AND AGREE THAT NO REFUNDS WILL BE ISSUED UNDER ANY CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO CANCELLATION, TERMINATION, DISSATISFACTION WITH THE SERVICE, OR FAILURE TO USE THE PLATFORM. THIS NO-REFUND POLICY IS A MATERIAL TERM OF THIS AGREEMENT AND IS A CONDITION OF ACCESS TO THE KNOWWAY TECHNOLOGIES™ PLATFORM.

Section 6. No Guarantees

KnowWay Technologies™ makes no representation and provides no guarantee of any kind that use of the Service will result in regulatory compliance, avoidance of fines or penalties, accuracy or completeness of outputs, or regulatory acceptance of any output or analysis.

Section 7. AI Limitations

AI outputs may vary significantly over time, between sessions, or between users. AI outputs may contain errors, omissions, false positives, and false negatives. The Service operates on probabilistic models; no output is determinative. THE SERVICE IS NOT A SYSTEM OF RECORD, NOT A REGULATORY AUTHORITY, AND NOT A SUBSTITUTE FOR ANY PROFESSIONAL JUDGMENT.

Section 8. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless KnowWay Technologies™ and its officers, directors, employees, contractors, affiliates, licensors, agents, successors, and assigns from any and all claims, damages, losses, liabilities, fines, penalties, enforcement actions, regulatory investigations, costs, and expenses — including reasonable attorneys' fees — arising out of or related to: your access to or use of the Service; your publication or distribution of any content; any alleged regulatory violation arising from content you used, distributed, or published; any reliance on Service outputs, reports, scores, or suggestions; your failure to obtain proper compliance approval before publication; any claim — by any person or authority — that the Service "approved," "missed," "failed to prevent," or "certified" any issue; any third-party claim arising from your use of the Service in violation of these Terms or applicable law, including claims by third-party vendors, platform providers, or technology services; and any breach of these Terms by you or anyone acting on your behalf. This indemnification obligation shall survive the termination or expiration of these Terms and your use of the Service.

Section 9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: KNOWWAY TECHNOLOGIES™ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR SPECIAL DAMAGES OF ANY KIND. THE COMPANY'S TOTAL AGGREGATE LIABILITY UNDER THESE TERMS SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM GIVING RISE TO LIABILITY. THE COMPANY EXPRESSLY DISCLAIMS ALL LIABILITY FOR REGULATORY ACTIONS, FINES, SANCTIONS, PENALTIES, OR BUSINESS LOSSES OF ANY KIND. THE COMPANY SHALL NOT BE LIABLE FOR ANY FAILURE OF THE SERVICE TO IDENTIFY, FLAG, OR REPORT ANY CONTENT ISSUE.

Section 10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION: MERCHANTABILITY; FITNESS FOR A PARTICULAR PURPOSE; NON-INFRINGEMENT; REGULATORY ACCEPTABILITY; OR UNINTERRUPTED OR ERROR-FREE OPERATION.

Section 10A. Third-Party Website Provider Disclaimer

All Review Priority classifications, assessments, severity ratings, and flags generated by the Service relate solely to the content submitted by the User for review. No output of the Service constitutes a statement, evaluation, or representation regarding any third-party platform, website provider, software vendor, CRM system, email service provider, or technology service. KnowWay Technologies™ expressly disclaims any intent to characterize, evaluate, rate, or make any determination about any third-party product, service, platform, or technology. If a Review Priority classification identifies an issue with content displayed on a third-party platform, the classification pertains exclusively to the User's content — not to the platform, its functionality, or its provider.

Section 11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict-of-law principles. The exclusive venue for any dispute shall lie in Iredell County, North Carolina.

Section 12. Entire Agreement; No Oral Modification

These Terms constitute the entire agreement between you and KnowWay Technologies™ and supersede all prior agreements, representations, marketing materials, proposals, and statements — oral or written. No oral statement, sales representation, marketing material, demonstration, or any other communication shall modify, supplement, or supersede these Terms. Any modification to these Terms must be made in writing and signed by an authorized representative of the Company.

Section 12A. Referral Acknowledgment

If you were referred to this Service by your firm, supervisor, employer, or any third party, you acknowledge and agree that: (a) no statement made by the referring party modifies, supplements, or supersedes these Terms; (b) your agreement is with KnowWay Technologies™ exclusively; (c) you have relied solely on these Terms in choosing to access the Service; and (d) any representations made by the referring party about the nature, capabilities, or outputs of the Service are not attributable to KnowWay Technologies™ unless expressly set forth herein.

Section 12B. No Reliance on External Representations

You acknowledge and agree that you have not relied upon any statement, representation, warranty, or promise made by any representative, affiliate, partner, referral source, or agent of the Company that is not expressly set forth in these Terms. You further acknowledge that no representative of the Company has authority to make any representation or warranty not contained in these Terms, and the Company shall not be bound by any such unauthorized representation.

Section 12C. Informational Resources

KnowWay Technologies™ maintains a Frequently Asked Questions (FAQ) resource and other informational materials for convenience only. The FAQ and all other informational resources do not form part of this Agreement, do not modify or supplement these Terms, and in the event of any inconsistency between any informational resource and these Terms, these Terms shall control in all respects.

Section 13. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it enforceable, consistent with the parties' original intent.

Last Updated: April 30, 2026 · Version 4.0 — Hardened · Governed by the laws of the State of North Carolina · Iredell County, NC