Terms of Service

1. Introduction

1.1 Purpose

These Terms of Service ("Terms") set forth the conditions of use of the "Investical" service ("Service") provided by No More Monday Inc. ("We," "Us," or "Our"). All users of the Service ("Users") are deemed to have agreed to these Terms.

1.2 Definitions

1.3 Scope

These Terms apply to all relationships between the User and Us regarding the Service. Separate documents (e.g., Privacy Policy) referenced in these Terms form an integral part hereof.

2. Service Description

2.1 Features

The Service provides the following features:

1. Investment Calendar Delivery: Automated writing of public information (earnings announcements, ex-dividend dates, shareholder meetings, economic indicators, etc.) to the User's Google Calendar
2. Briefing: Daily event summaries based on the User's watchlist
3. Breaking News: Notifications of market-impact events (e.g., earnings surprises)
4. Other features added or modified by Us from time to time

2.2 Modifications

We reserve the right to add, modify, or remove features without prior notice. Significant changes will be announced via the methods set forth in Section 15.

3. Status under the Financial Instruments and Exchange Act ("FIEA")

3.1 Not an Investment Advisory Business

The Service does not constitute investment advisory or agency business under Article 28(3) of the FIEA. The Service is limited to:

• General information dissemination to the public (aggregation and organization of public information)
• Investment education and analytical methods (information not including specific buy/sell recommendations)
• Provision of facts and data (stock prices, financial data, earnings schedules, etc.)

3.2 What We Do Not Provide

The Service does not provide:

• Recommendations on the timing of buying/selling specific securities
• Investment advice tailored to an individual User's financial situation
• Portfolio optimization or rebalancing recommendations
• Investment agency or intermediation
• Discretionary investment management
• Sales or intermediation of financial instruments

3.3 User's Own Responsibility

Information provided by the Service is merely one of many reference materials for the User's investment decisions. Final investment decisions and outcomes are entirely the User's own responsibility. The Service guarantees no investment outcome.

3.4 Future License Acquisition

We may acquire an investment advisory and agency license in the future and offer advisory services through the Service or related services. In such case, these Terms will be amended and Users notified.

3.5 Positioning as an Information Service

Summarizing and reinforcing the preceding paragraphs, and to ensure users can recognize the nature of the Service at a glance, we display the following statement at all times on the footer of public pages and at related locations.

The Service provides public information and event schedules of listed companies, and is an information service. It does not solicit investments or recommend the purchase or sale of specific securities. The final decision regarding investments shall be made by the user at their own discretion and responsibility.

The wording above is a preliminary version (formal legal counsel review pending; currently only preliminary legal assessment available); modifications require re-review.

4. Account Registration and Authentication

4.1 Google OAuth Authentication

The Service uses only OAuth 2.0 authentication via Google accounts. We do not provide proprietary password authentication.

4.2 Permissions Acquired

We acquire only the following minimal permissions:

• OAuth Subject Identifier (sub): An irreversible identifier issued by Google
• https://www.googleapis.com/auth/calendar.app.created: Permission to manage only events created by the Service

We do not access other Google services data (Gmail, Google Drive, existing calendar events, etc.).

4.3 Billing Management upon Account Loss (Important)

We do not retain Users' email addresses. This is a design choice prioritizing privacy protection.

Consequently, if a User loses access to their Google account, the Service account itself cannot be recovered. Data linked to the Service account (watchlist, settings, billing history, etc.) cannot be retrieved. Furthermore, Users will lose the ability to exercise rights regarding personal information stored by the Service (such as disclosure, correction, and deletion requests), because the means of identity verification are limited, by design, to Google OAuth authentication / re-authentication, pursuant to Article 32, Paragraph 2 of the Japanese Personal Information Protection Act. See our Privacy Policy for details.

However, for active paid plan subscribers, billing management (verification, cancellation, and case-by-case refund consideration) is available through the following methods:

(a) Access the Stripe Customer Portal from the /billing page on our website (no login required; authentication via a magic link sent to your Stripe registration email)

(b) Contact our support window (support@investic.al), with identity verified by checking receipt information or card details

Users acknowledge these risks in using the Service. We assume no liability for damages arising from a User losing access to their Google account (including the irrecoverability of the Service account itself).

4.4 Account Management

Users are responsible for properly managing their Google account. We strongly recommend enabling two-factor authentication and using strong passwords.

5. Pricing

5.1 Plan Structure

The Service offers Free Plans and Paid Plans. Pricing, feature differences, and billing frequency for each plan are posted on the Service's pricing page.

Special operations during the β period: The Service is currently in the β period (3 months from the official release date), during which special operations apply, including β bonuses such as Pro-equivalent feature access through the Standard plan. The official release timing of the Pro plan and the specific features offered in the Pro plan may change based on user feedback during the β period. See the Commercial Transactions Disclosure for details.

5.2 Payment for Paid Plans

Paid Plan payments are processed via Stripe (Stripe, Inc.). Users agree to Stripe's terms and privacy policy as well.

We do not retain Users' credit card information, bank account details, or email addresses entered at payment. These are collected and stored directly by Stripe. We retain only the Stripe Customer ID issued to us.

5.3 Auto-Renewal

Paid Plans automatically renew on the same terms at the end of each billing period unless the User cancels. Charges for the next renewal are billed on the contract end date.

You can review your current auto-renewal status, next billing date, and next charge amount at any time after sign-in on /dashboard and /dashboard/settings. Cancellation can be performed at any time from /dashboard/settings via the Stripe Customer Portal; after cancellation, Paid Plan features remain available until the end of the current billing period.

5.4 Price Changes

We may change pricing plans and amounts. Changes will be announced via the methods in Section 15 and applied to billing on or after the change effective date. Existing Users disagreeing with new pricing may cancel at the end of their current billing period.

5.5 Consumption Tax

Unless otherwise specified, displayed prices include consumption tax.

6. Cancellation and Refunds

6.1 Cancellation of Paid Plans

Users may cancel Paid Plans at any time by accessing the Stripe Customer Portal through any of the following routes:

• The account settings page (/dashboard/settings, when logged in)
• The /billing page on our website (no login required; recovery route in case of Google account loss)
• The link included in receipt emails sent by Stripe

After cancellation, Paid Plan features remain available until the end of the current billing period, and the account automatically reverts to the Free Plan thereafter. No prorated refund is provided for mid-billing-period cancellation (see §6.2).

6.2 Refunds

Paid Plan fees are generally non-refundable. Except in cases of significant disruption attributable to Us, we do not refund payments for cancellations mid-billing period.

6.3 Full Account Deletion

Users may request full account deletion through either of the following:

• OAuth-authenticated support form: After signing in, go to /dashboard/support and submit the form with the subject "Deletion request" (recommended — identity is already verified at the moment of submission)
• Email: Send to support@investic.al (upon receipt, identity is verified via Google OAuth re-authentication)
• Direct deletion from the dashboard: From the Danger Zone at /dashboard/settings, type "DELETE" and submit (for additional security, re-authentication with Google may be required before the deletion is executed)

Identity verification follows Privacy Policy §9.1. Data treatment upon account deletion follows Privacy Policy §9.5 (executed promptly: Calendar deletion + OAuth revocation + physical removal from the live database; up to 30 days of point-in-time history remains in the infrastructure provider's backup mechanism and is removed by its automatic GC; only billing history is retained for 7 years under accounting law).

6.4 Individual Revocation of OAuth Integration

Users may also revoke OAuth integration while retaining their account. Methods:

• We will soft-delete the OAuth refresh_token upon Users' account deletion request
• Users may directly revoke access via Google account settings (https://myaccount.google.com/permissions)

6.5 Alternative Compensation (Service Period Extension)

When We provide compensation under §6.2 (Refunds) or under Our liability for damages, We may, with the User's agreement, elect either of the following methods:

• Monetary refund (via Stripe Refund)
• Extension of the Paid Plan period at no cost (for a duration equivalent to the compensation amount — e.g., a ¥980 compensation for a ¥980/month Paid Plan user is provided as a 1-month extension)

Compensation to Free Plan Users may be provided through temporary unlocking of specific Paid Plan features or by granting a Paid Plan period at no cost, in lieu of monetary refund. However, if a Free Plan User strongly requests monetary compensation with a legitimate reason, We shall provide monetary compensation.

7. User Obligations (Prohibited Activities)

7.1 Prohibited Activities

Users may not engage in:

1. Activities violating laws, these Terms, or the Service's usage guidelines

2. Activities infringing on Our rights, other Users' rights, or third-party rights

3. Activities disrupting Service operation (DDoS attacks, excessive crawling, rate-limit circumvention, etc.)

4. Reverse engineering, decompilation, or disassembly of the Service (provided, however, that vulnerability discovery and security research conducted in good faith for public-interest purposes are excluded from this prohibition, so long as the researcher reports findings to security@investic.al (in advance or contemporaneously) and does not access other users' data, cause Service disruption, or accompany the report with extortion or coercion)

5. Transferring, lending, or sharing account credentials with third parties

6. Any of the following, without Our permission, with respect to information obtained through the Service (including curated compilations and individual factual elements such as figures and dates): (a) Commercial reproduction, redistribution, resale, or republication to third parties (b) Embedding or distributing via the User's own service, application, or website (c) Building a database, or using the data as training material for machine-learning models (d) Re-syndication in feed formats such as iCal / RSS / CSV / JSON (e) Mass data extraction from the Service via scraping or crawling (f) Any other activity that violates the terms of the Service's upstream data sources (exchanges, market-data vendors, and other data providers)

   For clarity, Users browsing the Service for personal investment decisions, and use within the scope of the personal-use features the Service provides (watchlist, Google Calendar integration, etc.), are excluded from this prohibition. (Curated compilations and databases produced by the Service are additionally protected as compilation works and database works under Articles 12 and 12-2 of the Japanese Copyright Act.)

7. Using the Service to provide investment advisory services to third parties

8. Mass access to the Service via automated tools (Bots, scripts, etc.; separate terms apply for API access)

9. Registering false information

10. Providing benefits to anti-social forces (organized crime, etc.)

11. Intentionally tampering with or disabling the technical mechanisms of the Service's analytics, unauthorized access detection, or bot protection (see Privacy Policy §6 / §10). The mere use of common privacy-protecting tools such as VPNs, Tor, or ad blockers does not, by itself, fall within this prohibition.

12. Other activities We deem inappropriate

7.2 Measures upon Violation

If a user engages in any activity prohibited under §7.1, we will take the following graduated measures:

(1) Minor violations (e.g., accidental rate limit overruns, minor misunderstandings of the Terms):

• We will first display a warning notice on the dashboard
• We will provide a 14-day cure period
• Only if the violation is not cured within the period, we will move to suspension or account deletion

(2) Material violations (any of the following):

• DDoS attacks, excessive crawling, or intentional rate-limit circumvention (§7.1 item 3)
• Reverse engineering, decompilation, or disassembly (§7.1 item 4)
• Transfer, lending, or sharing of account/credential information to third parties (§7.1 item 5)
• Commercial reproduction, redistribution, or resale of information obtained through the Service, or use in violation of data-provider terms (§7.1 item 6, §7.3)
• Providing investment advisory services to third parties using the Service (§7.1 item 7)
• Mass access via automated tools (§7.1 item 8)
• Providing benefits to anti-social forces (§7.1 item 10)
• Intentional tampering with or disabling of our security measures (§7.1 item 11)
• Violation of laws (§7.1 item 1, limited to criminal-grade violations)

For material violations, we may suspend Service use in whole or in part, or delete the account, immediately without prior notice.

(3) Compensation for paid plan users:

When we suspend or delete a paid plan based on the graduated measure for minor violations (1), we will compensate the unused period under §6.5 (Alternative Compensation), either as a monetary refund or as service period extension. For material violations (2), refunds are generally not provided as set forth in §6.2.

7.3 Compliance with Data-Provider Terms

The Service uses data obtained from exchanges, market-data vendors, and other external financial data providers. These data providers contractually prohibit end users from engaging in the following activities:

1. Redistributing the data to third parties
2. Downloading and storing the data in file formats (CSV / Excel / JSON, etc.)
3. Commercial use of the data (including provision as a service to third parties)
4. Using the data as training material for machine-learning models

The Service is designed such that the above actions are technically difficult to perform (no API export functionality, minimized OAuth scope, limited delivery formats, etc.). As long as Users use the Service within the scope of personal-use features (watchlist, Google Calendar integration, dashboard browsing, etc.), no breach of this Section will arise.

If a User intentionally violates the above prohibitions, We may suspend or terminate the User's right to use the Service.

8. Intellectual Property

8.1 Our Content

Intellectual property rights in the Service's source code, design, text, images, logos (including Investical), trademarks, and other content ("Our Content") belong to Us or third parties licensing such rights to Us.

Users may not reproduce, modify, distribute, publish, or otherwise use Our Content beyond the scope necessary for using the Service under these Terms.

8.2 User Content

Intellectual property rights in content registered or transmitted by Users (watchlists, settings, display names, etc., "User Content") belong to the Users.

Users grant Us a free, non-exclusive license to use, reproduce, and process User Content as necessary to provide, improve, and operate the Service. The specific scope of use is as follows:

• Service provision: Extracting events linked to the watchlist, generating the report calendar (next-24h investment events delivered every morning to Calendar), writing to Google Calendar, and displaying in the dashboard
• Operational technical processing: Encrypted backups of the D1 database, restoration during incident recovery, and retention during statutory periods
• Service improvement: Analysis of aggregated data that does not identify individual users (popular stock rankings, feature usage statistics, etc.)

We do not engage in any of the following with respect to User Content:

• Sale or transfer to third parties
• Provision to third-party advertising networks (e.g., Google Analytics, Facebook Pixel — consistent with §6 of our Privacy Policy)
• Use outside the scope of providing, improving, or operating the Service
• External disclosure in a form that identifies individual users

8.3 Third-Party Content

Rights to public information delivered by the Service (earnings schedules, stock prices, dividend information, economic indicators, etc.) belong to the respective rights holders (exchanges, companies, data providers, etc.). The Service merely uses this information secondarily and provides it to Users subject to each rights holder's terms.

9. Third-Party Services

9.1 Google Calendar

The Service uses the Google Calendar API provided by Google LLC. Users separately agree to Google LLC's terms. The OAuth scope obtained at authentication is calendar.app.created only; we do not write to any calendar other than the Investical sub-calendar created by the Service.

Specification changes, service termination, or pricing changes by Google Calendar API may affect the Service. We assume no obligation to provide individual notification to Users for changes due to such third-party factors.

9.2 Stripe

As stated in §5.2, Paid Plan payments are processed via Stripe (Stripe, Inc., USA). Payment-related information including credit card details and email addresses is collected and stored directly by Stripe; we retain only the Stripe Customer ID. See our Privacy Policy §2.4 / §5 for details.

9.3 Outsourced Operations (Article 27, Paragraph 5, Item 1 of the Japanese APPI)

We outsource certain operations of the Service to the following entities. Such outsourcing is not deemed third-party sharing under Article 27, Paragraph 5, Item 1 of the Japanese Personal Information Protection Act. We require these contractors to implement appropriate security measures and bind them with contractual confidentiality obligations:

• Cloudflare, Inc. (USA): Service infrastructure (Workers / D1 / KV), CDN, DDoS protection, server-side analytics (Cloudflare Web Analytics / Workers Analytics)
• Stripe, Inc. (USA): Payment processing (see §9.2)
• Functional Software, Inc. (Sentry) (USA): Error tracking (PII filtering enabled, only hashed user_id transmitted)
• Google LLC (USA): OAuth authentication, Google Calendar API (see §9.1)

Specification changes or outages of these third-party services may affect the Service. We assume no obligation to provide individual notification to Users for changes due to such third-party factors.

10. Data Accuracy

10.1 Sources of Public Information

Earnings schedules, stock prices, dividend information, economic indicators, etc., delivered by the Service are aggregated and organized from public data sources (Tokyo Stock Exchange's TDnet, EDINET, exchanges, etc.).

10.2 Limits on Accuracy

We exercise reasonable care regarding the accuracy, completeness, and timeliness of delivered information but make no warranty thereof. Errors or delays may occur due to data source delays, errata, corrections, etc.

10.3 Priority of Official Sources

Users shall prioritize primary information sources (company IR pages, exchange official announcements, FSA announcements, etc.) when discrepancies arise between the Service's information and primary sources. Information delivered by the Service is secondary reference material only.

11. Service Modifications, Suspensions, and Termination

11.1 Maintenance

We may temporarily suspend Service provision for maintenance, troubleshooting, security measures, or other necessary reasons. We will announce in advance via Section 15 methods where possible; emergency cases may involve post-hoc notification.

11.2 Service Termination

We may terminate the Service in whole or in part with 30 days' prior notice for reasonable cause. We may, at Our discretion, prorate refunds for unused Paid Plan periods upon termination.

11.3 Third-Party Factors

Specification changes, suspensions, or pricing changes of third-party services (Section 9) may cause Service modifications or feature suspension. We assume no liability for such third-party-driven changes.

11.4 User-Initiated Deletion of the Sub-Calendar

If a User directly deletes the Investical-dedicated sub-calendar from the Google Calendar UI, We can no longer write events to the User's calendar. On the next write attempt, We will detect the deletion and display a "Sub-calendar not found" notification with a Recreate CTA on the dashboard. The User may click the CTA to recreate a new Investical-dedicated sub-calendar with a single click and resume event delivery.

This applies equally to Paid Plan Users: recreation requires a manual click. While the sub-calendar remains deleted, event delivery is paused, and We do not automatically recreate a new sub-calendar on the User's behalf (because deletion may have been intentional). If a prolonged interruption results from User non-action, billing relief may be granted at Our discretion under Section 6.5 (Alternative Compensation), in the form of a complimentary service period.

12. Account Suspension and Deletion

12.1 Suspension or Deletion by Us

We may suspend Service use or delete accounts without prior notice if:

1. The User violates Section 7 (Prohibited Activities)
2. The User is determined to be an anti-social force
3. Free Plan users who have not performed any of the following activities for 12+ months (dormant account cleanup; Paid Plan users with active subscriptions are excluded from this provision):
   • Logging in to the Service
   • Successful event writes from the Service to Google Calendar
4. We otherwise deem continued use inappropriate

12.2 Data Treatment upon Suspension/Deletion

Data treatment upon account suspension or deletion follows Privacy Policy §9.5. We promptly execute the following:

• Delete the Investical sub-calendar from Google Calendar
• Revoke OAuth integration (physically delete refresh_token / access_token / id_token)
• Physically delete all records pertaining to the user from the live database (user / account / watchlist / event_writes / user_macro_subscriptions / subscriptions / support_requests / session tables)

Up to 30 days of point-in-time history remains in the infrastructure provider's backup mechanism and is subsequently removed by its automatic GC. Only billing history is retained for 7 years under accounting law (retained by Stripe). See Privacy Policy §9.5 for details.

12.3 No Damages

Users have no right to claim damages from Us arising from justified account suspension or deletion.

13. Disclaimer

13.1 "As-Is" Provision

The Service is provided "as-is" within the scope of availability. We make no warranties regarding merchantability, fitness for a particular purpose, error-free operation, or non-infringement of third-party rights.

13.2 No Investment Outcome Guarantee

Per Sections 3.3 and 10.3, the Service guarantees no User investment outcome. Losses from investment decisions based on the Service are entirely the User's responsibility.

13.3 Third-Party Failures

We assume no liability for damages arising from third-party service (Google Calendar, Stripe, other cloud services, etc.) failures, specification changes, or terminations affecting the Service.

13.4 Force Majeure

We assume no liability for damages arising from natural disasters, war, terrorism, pandemics, governmental actions, communication failures, or other force majeure events affecting Service provision.

14. Limitation of Liability

14.1 Cap on Damages

Except in cases of Our willful misconduct or gross negligence, Our total liability for damages to the User in connection with the Service shall not exceed the total Paid Plan fees paid by the User to Us during the 12 months preceding the occurrence of damages.

For Free Plan Users, We shall be liable for damages only in cases of Our willful misconduct or gross negligence, and the amount of such liability shall be limited to what is socially reasonable.

The method of fulfilling liability under this section shall be in accordance with §6.5 (Alternative Compensation), selected — subject to the User's agreement — from a monetary refund, a complimentary extension of the Paid Plan period, or other comparable means.

14.2 Exclusion of Indirect Damages

Except in cases of Our willful misconduct or gross negligence, We shall not be liable for lost profits, lost opportunity, data loss, or other indirect, special, or consequential damages.

14.3 Mandatory Provisions of Law

The preceding paragraphs do not apply to the extent they conflict with mandatory provisions of the Consumer Contract Act or other applicable laws.

15. Notification Methods (Email-Free Design)

15.1 Need for Notification

Due to the Privacy by Design choice not to retain User email addresses, Terms amendments, important notices, and incident notifications are conducted as follows.

The impact of the email-free design on Users' exercise of personal information rights (such as disclosure, correction, and deletion requests) is described in Privacy Policy §9.1 / §11.1.

15.2 Notification Methods

1. Service status page (https://status.investic.al)
2. Service website (https://investic.al)
3. Official SNS (X / Twitter @investical_jp, etc.)
4. Limited to significant incidents involving personal information leakage etc., emergency event posting to active Users' Investical calendars (NOT covering maintenance, feature changes, or policy amendments). Users may disable calendar writes from the "Incident Notifications" section in /dashboard/settings (enabled by default).
5. For significant matters: Press release

15.3 User Recommendations

Given communication constraints, we recommend Users:

• Periodically check the status page
• Follow the official SNS
• Log in to the Service regularly

These constraints stem from the Service's privacy-first design.

16. Amendments

16.1 Right to Amend

We may amend these Terms. Amended Terms take effect upon announcement via Section 15 methods.

16.2 Significant Amendments

Amendments materially affecting User rights and obligations will be announced 30+ days in advance, with old and new Terms displayed in parallel for 30 days.

16.3 Deemed Acceptance

Continued use of the Service after the effective date of amended Terms constitutes acceptance. Users disagreeing with amendments may cancel via Section 6.1.

17. Exclusion of Anti-Social Forces

17.1 Representation and Warranty

Users represent and warrant that they are not anti-social forces (organized crime members, former members within 5 years, associated parties, etc.) and have no relationships therewith.

17.2 Measures upon Violation

If a User is found to violate the preceding paragraph, We may suspend Service use and delete the account without notice or demand.

18. Assignment (Business Succession)

18.1 Prohibition of Assignment by Users

Users may not assign, transfer, lend, pledge, or otherwise dispose of their position under these Terms, their rights and obligations under these Terms, or their Service account to any third party without Our prior written consent.

18.2 Assignment by Us (Business Succession)

In the event We transfer the business related to the Service to a third party through merger, corporate division, business transfer, or other similar means, We may transfer Our position under these Terms, Our rights and obligations under these Terms, user registration information, and other information regarding users to the successor of such business. Users hereby consent in advance to such transfer. Details regarding the successor's handling of user information are described in §5 of our Privacy Policy.

18.3 User Protection After Succession

The successor referred to in the preceding paragraph shall handle user information within the scope of the purposes of use and retention periods set forth in these Terms and Our Privacy Policy. In the event of any material change to these Terms or the Privacy Policy following such succession, the successor shall fulfill the notification procedures set forth in §16 (Amendments) of these Terms and §13 (Policy Amendments) of Our Privacy Policy.

18.4 User's Right to Cancel

If Users do not consent to the succession referred to in the preceding paragraphs or to material changes to the Terms or Privacy Policy resulting therefrom, Users may cancel the Service in accordance with §6.1 (Cancellation by User).

19. Advertising

19.1 Display of Advertisements

We may display advertisements on the public media area of the Service (login-free pages) through advertising distribution services provided by Google LLC, such as Google AdSense.

19.2 Relationship with Advertisers and Disclaimer

1. We do not individually review in advance the content of advertisements displayed, the legality, accuracy, morality, currency, or appropriateness of linked websites, or similar matters; the selection of advertisers and transactions between users and advertisers are entirely outside our responsibility.
2. Transactions, contracts, or troubles arising from links navigated from advertisements, or damages incurred as a result of viewing or using such advertisements, shall be resolved between the user and the relevant advertiser. We bear no responsibility whatsoever in this regard.

19.3 Response to Inappropriate Advertisements

We take operational measures to suppress the display of advertisements clearly judged to be inappropriate, using the AdSense console's category blocklist function and similar means. Details are set forth in our separately defined Advertising Policy.

19.4 Inquiries and Complaints about Advertising

Complaints and requests regarding advertising should be sent to support@investic.al. We will confirm the contents promptly upon receipt.

19.5 Privacy and External Transmission

For third-party cookies, international transfers, and disclosures required under the External Transmission Regulation of the Telecommunications Business Act associated with the display of advertisements, please refer to §16 of our Privacy Policy.

19.6 Relationship with Investment Information

The display of advertisements on the Service has no effect on the substance of §3 (Status under FIEA) or §3.5 (Positioning as an Information Service). The Service continues to operate as an information service and does not recommend the purchase or sale of specific securities.

20. Governing Law and Jurisdiction

20.1 Governing Law

These Terms are governed by Japanese law.

20.2 Jurisdiction

Disputes regarding the Service or these Terms are subject to the exclusive jurisdiction of the Tokyo Summary Court or Tokyo District Court (depending on claim amount) as the court of first instance.

21. Rights Infringement / Impersonation Complaints

If you find impersonation, trademark or copyright (or other rights) infringement, or incorrect listings in the public calendar feature, you may report it — whether or not you are signed in — via:

• Report form (no sign-in required): https://investic.al/en/report
• Email: support@investic.al

After review, for public calendars we determine to involve impersonation or rights infringement, we may take measures such as unpublishing the calendar and forcibly changing its public name and URL (slug), which cannot be re-claimed. Determinations are made manually by us; no automated takedown is performed.

22. Contact

For inquiries regarding these Terms:

• Service contact form: https://investic.al/support
• Email: support@investic.al (any sender email accepted)

23. Effective Date

Effective from May 9, 2026.

Last updated: 2026-05-25