Legal // Terms of Engagement
Engagement Terms & Limitation of Liability
Last revised: January 2026
The following terms govern all engagements between FinOptix Labs, Inc. ("the Firm") and any party ("Client") that
receives, commissions, or otherwise utilizes any research, analysis, intelligence, datasets, assessments, or
deliverables produced by the Firm (collectively, "Deliverables").
I. No Reliance
Clause A - As-Is Provision
Client acknowledges and agrees that all Deliverables provided by the Firm are rendered strictly "AS IS"
and "WITH ALL FAULTS." The Firm makes no representations, warranties, or guarantees, express or
implied, regarding the accuracy, statistical validity, completeness, timeliness, or predictive capability of the
Deliverables. Client expressly agrees that it is a sophisticated institutional entity capable of evaluating risk
independently, and that any business, financial, investment, M&A, litigation, regulatory, or strategic decisions
made by Client are made at Client's sole and exclusive risk. Client agrees to place no legal
reliance upon the Deliverables.
II. Absolute Limitation of Liability
Clause B - Zero Liability
Under no legal, equitable, or statutory theory, including but not limited to negligence, breach of contract,
strict liability, misrepresentation, or tort, the Firm, its Principals, officers, agents, affiliates,
contractors, or any related entity be liable to Client or any third party for any damages
whatsoever, whether direct, indirect, consequential, punitive, incidental, special, exemplary, or
otherwise, including but not limited to lost profits, lost revenue, lost capital, loss of business opportunity,
diminution in value, regulatory penalties, or litigation costs, arising out of or related to the Deliverables.
The Firm's maximum aggregate liability arising from any engagement is zero (USD $0.00). Any
voluntary adjustment, redelivery, or revision provided by the Firm shall be construed exclusively as a goodwill
gesture and shall not constitute an admission of fault, liability, or obligation.
III. Indemnification
Clause C - Defense & Hold Harmless
Client shall fully indemnify, defend, and hold harmless the Firm and its Principals from and against any and all
claims, demands, lawsuits, regulatory actions, investigations, fines, penalties, or liabilities brought by any
third party, including government entities, regulatory bodies, and co-investors, arising out of or related to
Client's use, misuse, redistribution, or reliance upon the Deliverables. This indemnification applies
irrespective of whether the claim asserts the Deliverables contained errors, omissions, or inaccuracies.
IV. Non-Distribution
Clause D - Confidentiality & Reproduction
All Deliverables are provided for the exclusive use of the named recipient. Distribution, reproduction,
forwarding, summarizing, or disclosure of any Deliverable, in whole or in part, in any form or medium, to any
third party without the prior written consent of the Firm is strictly prohibited. Unauthorized
distribution constitutes a material breach and will result in immediate termination of the engagement and
forfeiture of all prepaid fees.
V. Engagement Structure
Clause E - Fees & Terms
All professional fees are non-refundable upon commencement of analytical work. The Firm engages
exclusively on its proprietary engagement framework. The Firm does not execute client-provided vendor
agreements, master services agreements, or procurement contracts. Payment terms, scope, and timelines are
established in a Firm-issued Statement of Work (SOW) prior to commencement. Engagement is deemed accepted upon
receipt of payment or execution of the SOW.
VI. Governing Law & Dispute Resolution
Clause F - Jurisdiction
These terms and any engagement governed hereby shall be construed in accordance with the laws of the State of
Delaware, United States, without regard to conflict of laws principles. Any dispute arising from or related to
the Firm's services shall be resolved exclusively through binding arbitration administered under the rules of
the American Arbitration Association (AAA) in Wilmington, Delaware. Each party shall bear its own costs of
arbitration. Client expressly waives any right to trial by jury.
VII. Disclaimers
Clause G - General Disclaimer
Deliverables may contain predictive analysis derived in part from automated data aggregation and computational
modeling. The Firm is not a registered investment advisor, broker-dealer, or legal counsel. No Deliverable
constitutes investment advice, legal advice, or a recommendation to buy, sell, or hold any security or financial
instrument. The Firm does not guarantee the availability of any particular analytical resource, data source, or
computational methodology for any engagement.