Terms of Service

Version 2026-01-10 • Last updated January 10, 2026

1. Parties

Osmosis Technologies Inc. ("Osmosis," "we," "us," "our") is a Delaware corporation with its principal place of business at 650 Euclid Ave, Berkeley, CA 94708 USA.

"Customer" is either (a) the legal entity executing an Order Form that references this MSA or (b) any individual or entity that accepts this MSA via an online self-service checkout linking to this document.

2. Agreement

By (a) executing a signed Order Form or (b) completing a Self-Service Order via our online checkout (each as defined below), Customer agrees to be bound by this MSA for access to the Osmosis data-intelligence platform and related services (the "Services"). If you do not agree, do not use the Services.

3. Order Forms & Self-Service Orders

Order-Form Orders: Governed by the version of this MSA stated in the applicable Order Form; billed per the Order Form's payment terms (e.g., Net 30 ACH).
Self-Service Orders: Governed by the version of this MSA linked at checkout; billed immediately via Customer's chosen payment method.
Promotional & Design-Partnership Pricing: Order Forms may include promotional, pilot, or design-partnership pricing at Osmosis's discretion. Such pricing and any associated terms will be set forth in the applicable Order Form.

3.1 Version Locking.

Each Order Form is governed by the version of this MSA identified on that Order Form. Customer's rights and obligations under an Order Form continue under that locked version, even if a later version of this MSA is published.

3.2 Future Versions.

Osmosis may publish updated versions of this MSA at https://osmosis.fm/terms for use with future Orders. Any such updates will apply only to new Order-Form Orders or Self-Service Orders referencing the new version. Changes will not affect existing Order-Form Orders unless both parties execute a written amendment.

4. Services Definition

The "Services" consist of the Osmosis data-intelligence platform, which ingests and analyzes publicly available industry content—such as pension-fund meetings, allocator calls, earnings presentations, regulatory hearings, and executive interviews—to deliver actionable insights. Any additional or differing Service descriptions in an applicable Order Form shall control to the extent of any conflict.

The Services consist solely of analytical signals derived from publicly available information. Osmosis does not store, process, or have access to any Customer proprietary data, trading information, or portfolio holdings. The Services are not intended as investment advice. Signals are provided for informational purposes only. Customer maintains sole discretion and responsibility for any trading or investment decisions.

You can reach us at [email protected] or +1-312-802-7614.

5. Our Services

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).

6. Intellectual Property Rights

We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").

Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.

The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use or internal business purpose only.

Your use of our Services is subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, where we grant you a non-exclusive, non-transferable, revocable license to:

access the Services; and
download or print a copy of any portion of the Content to which you have properly gained access, solely for your personal, non-commercial use or internal business purpose.

Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to: [email protected]. If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content.

We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.

Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

7. User Representations

By using the Services, you represent and warrant that:

(1) all registration information you submit will be true, accurate, current, and complete;
(2) you will maintain the accuracy of such information and promptly update such registration information as necessary;
(3) you have the legal capacity and you agree to comply with these Legal Terms;
(4) you are not a minor in the jurisdiction in which you reside;
(5) you will not access the Services through automated or non-human means, whether through a bot, script, or otherwise;
(6) you will not use the Services for any illegal or unauthorized purpose; and
(7) your use of the Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

8. User Registration

You may be required to register with the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

9. Purchases and Payment

Order-Form Purchases

If Customer and Osmosis have executed a signed Order Form referencing this MSA (an "Order-Form Order"), the seats, pricing, billing cadence, and term set out in that Order Form govern those purchases. Osmosis will invoice Customer in accordance with the payment terms in the Order Form (e.g., Net 30 via ACH or wire).

Self-Service Checkout

If Customer purchases a subscription via an online checkout flow that links to this MSA (a "Self-Service Order"), the pricing, seat count, billing cadence, and start date presented at checkout constitute an Order Form incorporated herein. Charges are billed immediately to Customer's designated payment method.

Free-Tier Access

Osmosis may offer a limited, no-charge "Freemium" tier of the Services ("Free-Tier Access") that provides access to certain content and features. Free-Tier Access is also governed by this MSA, but:

Free-Tier users have no entitlement to paid features, SLAs or support remedies.
Osmosis may modify, suspend or discontinue Free-Tier Access at any time without notice.
No fees are due for Free-Tier Access, and the Order-Form Purchases, Self-Service Checkout, and Failed Payments provisions above do not apply.

Failed Payments

If any credit-card or other electronic payment is declined, Osmosis may suspend or terminate access to the Services after providing at least five (5) days' email notice.

10. Subscriptions

Billing and Renewal

Your subscription will continue and automatically renew unless canceled. You consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel the applicable order. The length of your billing cycle will depend on the type of subscription plan you choose when you subscribed to the Services.

Free Trial

We may offer a free trial to new users who register with the Services. The duration and terms of any free trial will be specified at the time of registration. The account will not be charged and the subscription will be suspended until upgraded to a paid version at the end of the free trial.

Cancellation

You can cancel your subscription at any time by contacting us using the contact information provided below. Your cancellation will take effect at the end of the current paid term. If you have any questions or are unsatisfied with our Services, please email us at [email protected].

Fee Changes

We may, from time to time, make changes to the subscription fee and will communicate any price changes to you in accordance with applicable law.

Subscription Terms

If you subscribe to our paid SaaS services under a separate written or click-through Master Subscription Agreement, those terms apply to your subscription use and take precedence over any conflicting terms in this TOS.

11. Prohibited Activities

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Services, you agree not to:

Redistribute, resell, sublicense, or share the Services or any content without Osmosis's prior written consent.
Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
Use any information obtained from the Services in order to harass, abuse, or harm another person.
Make improper use of our support services or submit false reports of abuse or misconduct.
Use the Services in a manner inconsistent with any applicable laws or regulations.
Engage in unauthorized framing of or linking to the Services.
Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party's uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
Delete the copyright or other proprietary rights notice from any Content.
Attempt to impersonate another user or person or use the username of another user.
Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ("gifs"), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as "spyware" or "passive collection mechanisms" or "pcms").
Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.
Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.
Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorized script or other software.
Use a buying agent or purchasing agent to make purchases on the Services.
Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise.

12. Google Account Linking

Osmosis may offer the option to sign in via your Google account. If you choose "Sign in with Google," you authorize Osmosis to access the Google profile information and email address you approve during the OAuth flow. Osmosis will only request the minimum scopes required to authenticate and will not store or use additional Google data beyond what is necessary to provide the Services.

You may revoke Osmosis's access at any time via your Google account's security settings. Osmosis makes no representation or warranty regarding Google's service availability or practices; your use of Google login remains subject to Google's terms of service and privacy policy.

13. Third-Party Websites and Content

The Services may contain (or you may be sent via the Site) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply our endorsement or approval thereof. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.

14. Services Management

We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

15. Privacy Policy

We care about data privacy and security. Please review our Privacy Policy: https://osmosis.fm/privacy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States.

16. Confidentiality

16.1 Definition.

"Confidential Information" means any non-public information disclosed by one party (the "Disclosing Party") to the other party (the "Receiving Party"), whether orally, in writing, or by inspection, that is designated as confidential or that a reasonable person would understand to be confidential given the nature of the information and the circumstances of disclosure. Confidential Information includes, without limitation, business plans, product roadmaps, pricing, technical data, customer lists, financial information, and trade secrets.

16.2 Exclusions.

Confidential Information does not include information that: (a) is or becomes publicly available through no fault of the Receiving Party; (b) was already known to the Receiving Party without restriction prior to disclosure; (c) is independently developed by the Receiving Party without use of or reference to the Disclosing Party's Confidential Information; or (d) is rightfully received from a third party without restriction on disclosure.

16.3 Obligations.

The Receiving Party shall: (a) use the Disclosing Party's Confidential Information solely for the purposes of exercising its rights or performing its obligations under this Agreement; (b) protect the Disclosing Party's Confidential Information using at least the same degree of care it uses to protect its own confidential information, but in no event less than reasonable care; and (c) not disclose the Disclosing Party's Confidential Information to any third party except to employees, contractors, or agents who have a need to know and are bound by confidentiality obligations at least as protective as those set forth herein.

16.4 Compelled Disclosure.

The Receiving Party may disclose Confidential Information to the extent required by law, regulation, or court order, provided that the Receiving Party gives the Disclosing Party prompt written notice (to the extent legally permitted) and reasonably cooperates with the Disclosing Party's efforts to obtain protective treatment for such information.

16.5 Return or Destruction.

Upon expiration or termination of this Agreement, or upon the Disclosing Party's written request, the Receiving Party shall promptly return or destroy all Confidential Information in its possession, except for copies retained in routine backup systems or as required by applicable law, which shall remain subject to the confidentiality obligations herein.

16.6 Duration.

The obligations under this Section 16 shall survive for three (3) years after the expiration or termination of this Agreement, except with respect to trade secrets, which shall be protected for as long as they remain trade secrets under applicable law.

17. Term and Termination

In the event of any conflict between this Section 17 and the applicable Order Form, the Order Form shall control.

17.1 Order-Form Orders.

Initial Term: Twelve (12) months commencing on the Subscription Start Date set forth in the applicable Order Form.

Renewal: Automatically renews for successive twelve (12)-month periods unless either party gives written notice of non-renewal at least thirty (30) days before term end.

17.2 Self-Service Orders.

Initial Term: One (1) month commencing on the date Customer first accesses the Services under a Self-Service Order.

Renewal: Automatically renews each month until Customer cancels via the checkout portal or provides thirty (30) days' prior written notice.

17.3 Termination for Material Breach.

Either party may terminate this Agreement for a material breach by the other if the breaching party fails to cure the breach within thirty (30) days after written notice.

17.4 Termination for Convenience.

After the Initial Term (see 17.1 or 17.2 as applicable), either party may terminate this Agreement for any reason upon thirty (30) days' prior written notice.

17.5 Effect of Termination.

Upon expiration or termination, (a) all rights granted hereunder immediately cease, (b) Customer shall pay all outstanding fees for Services rendered through the termination date, and (c) each party shall return or destroy the other party's Confidential Information as set forth in Section 16 (Confidentiality).

18. Service Availability & Maintenance

18.1 Availability.

Osmosis will use commercially reasonable efforts to make the Services available 99.5% of the time in each calendar month, excluding scheduled maintenance windows.

18.2 Scheduled Maintenance.

Osmosis may perform scheduled maintenance, which will be communicated to Customer at least 48 hours in advance via email or in-dashboard notification.

18.3 Updates & Deprecations.

Osmosis may from time to time update, enhance, or deprecate features of the Services (e.g. performance improvements, legal or regulatory changes). Any such changes will not materially reduce the overall functionality of the Services. Osmosis has no obligation to provide specific updates, corrections, or new releases beyond those described in this Section 18.

18.4 Interruptions.

Customer acknowledges that temporary interruptions or errors may occur. Provided Osmosis complies with its availability commitment under Section 18.1, Osmosis will have no liability for any loss or damage arising from such events.

18.5 Service Credits.

If monthly availability falls below 99.5%, Customer may receive service credits equal to 5% of monthly subscription fees for each 0.5% below the SLA threshold, up to a maximum of 50% of monthly fees. Credits will be applied to the following month's invoice upon Customer request with supporting documentation.

18.6 Exclusions.

Availability commitments do not apply to outages caused by factors outside our reasonable control, including third-party service failures, network connectivity issues, force majeure events, or Customer's own actions or systems.

19. Governing Law

This Agreement and any Dispute arising out of or relating to this Agreement shall be governed by the internal substantive laws of the State of Delaware, without regard to its conflict-of-law principles.

20. Dispute Resolution

Informal Negotiations.

The parties agree to try in good faith to resolve any Dispute arising under or relating to this Agreement by informal negotiations for at least thirty (30) days after receipt of written notice of such Dispute.

Forum Selection.

If the parties cannot resolve the Dispute informally, either party may bring a suit in the state or federal courts located in New Castle County, Delaware (or, if the parties mutually agree, by binding arbitration under the AAA Commercial Rules). The parties consent to personal jurisdiction and venue there.

Exceptions.

Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property or Confidential Information, without first engaging in informal negotiations or arbitration.

21. Corrections

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

22. Disclaimer

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

23. Limitations of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EACH PARTY'S AGGREGATE LIABILITY TO THE OTHER PARTY UNDER OR IN CONNECTION WITH THIS AGREEMENT SHALL BE LIMITED TO THE TOTAL AMOUNT OF FEES PAID OR PAYABLE BY CUSTOMER TO OSMOSIS IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THIS LIMITATION APPLIES REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE. THE FOREGOING LIMITATION SHALL NOT APPLY TO (A) A PARTY'S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT; (B) EITHER PARTY'S INDEMNIFICATION OBLIGATIONS UNDER SECTION 24; OR (C) CUSTOMER'S PAYMENT OBLIGATIONS UNDER SECTION 9.

24. Indemnification

24.1 Osmosis Indemnification.

Osmosis shall defend Customer against any third-party claim that the Services as delivered infringe any U.S. patent, copyright, or trademark, and shall indemnify Customer for any damages and costs finally awarded against Customer (including reasonable attorneys' fees), provided that Customer: (a) promptly notifies Osmosis in writing of the claim; (b) gives Osmosis sole control of the defense and settlement; and (c) cooperates with Osmosis in the defense.

24.2 Customer Indemnification.

Customer shall defend Osmosis against any third-party claim arising from: (a) Customer's use of the Services in violation of this Agreement or applicable law; (b) Customer Data or materials provided by Customer; or (c) Customer's gross negligence or willful misconduct, and shall indemnify Osmosis for any damages and costs finally awarded against Osmosis (including reasonable attorneys' fees), provided that Osmosis: (i) promptly notifies Customer in writing of the claim; (ii) gives Customer sole control of the defense and settlement; and (iii) cooperates with Customer in the defense.

24.3 Exclusions and Limits.

Neither party shall settle any claim in a manner that imposes an obligation on the other party without the other party's prior written consent. The foregoing indemnification obligations are subject to the limitation of liability set forth in Section 23, except for each party's defense obligations and payment obligations for gross negligence or willful misconduct.

25. User Data

25.1 Data Responsibility.

Osmosis will maintain reasonable administrative, technical, and physical safeguards designed to protect Customer Data transmitted to or processed by the Services. Osmosis will handle Customer Data in accordance with its Privacy Policy and applicable law.

25.2 Backups.

Osmosis performs regular routine backups of platform data. However, Customer acknowledges that it is Customer's responsibility to maintain independent backups of any data Customer transmits to the Services. In the event of data loss not caused by Osmosis's breach of its obligations under Section 25.1, Osmosis's liability shall be limited to using commercially reasonable efforts to restore Customer Data from the most recent available backup.

25.3 Data Retention and Deletion.

Upon termination of this Agreement, Osmosis will, at Customer's written request, delete or return Customer Data within thirty (30) days, except for (a) data retained in routine backup systems, which will be deleted in the ordinary course, and (b) data that Osmosis is required to retain by applicable law or regulation. Osmosis will confirm deletion in writing upon Customer's request.

25.4 Security Incidents.

Osmosis will notify Customer without undue delay upon becoming aware of any unauthorized access to or disclosure of Customer Data (a "Security Incident"). Such notification will include, to the extent known, a description of the incident, the types of data affected, and the corrective measures taken or planned. Osmosis will cooperate with Customer in investigating and remediating the incident.

26. Electronic Communications, Transactions, and Signatures

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing.

YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

27. California Users and Residents

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

28. Service Integrity and Compliance Standards

Usage of Services and Material Nonpublic Information (MNPI)

Handling of Public Information:

Our platform aggregates publicly available information only. We do not process or distribute Material Nonpublic Information (MNPI) or confidential data. Users should ensure their use of our data complies with laws on MNPI and insider trading.

Osmosis represents and warrants that all Services are derived from information that was publicly available at the time of collection. Osmosis maintains policies and procedures designed to prevent the receipt or distribution of MNPI, including immediate quarantine procedures if potentially non-public information is inadvertently encountered.

Osmosis represents that its data collection methods comply with applicable laws and website terms of service. Osmosis will defend and indemnify Customer against third-party claims arising from Osmosis's data collection practices.

Osmosis maintains information security practices consistent with industry standards for data intelligence platforms, including access controls, encryption in transit, and employee confidentiality training.

Compliance and User Responsibility:

It is your responsibility to ensure that your use of our services complies with applicable laws, particularly regarding MNPI and insider trading. You must not use our services for illegal activities or unethical behavior.

Personal Information and Privacy

Refer to our Privacy Policy to understand how we manage your data. By using our services, you consent to the collection and use of data as outlined therein.

Acceptable Use of the Services

You agree not to use our services to disseminate content that could constitute insider trading or market manipulation. You also agree not to use our services to violate the rights of others, including spreading defamatory, obscene, or harassing content.

Personally Identifiable Information (PII)

Collection and Use:

We collect PII only for user account management as outlined in our Privacy Policy.

Disclosure:

PII is not shared with third parties, except as necessary to provide our services or as required by law.

Compliance and Reporting

Monitoring:

We conduct regular audits to ensure compliance with our policies, maintaining the integrity and security of our platform.

Breach Response:

We will notify affected individuals and authorities promptly in the event of a data breach, as required by law.

Service Level Agreement

Platform availability commitments, including uptime targets, service credits, and exclusions, are set forth in Section 18 (Service Availability & Maintenance).

Training and Awareness

Employee Training:

All employees receive training on the importance of data security, especially handling MNPI and PII, ensuring adherence to best practices.

Continual Improvement:

We regularly update our policies to reflect new regulatory requirements and best practices in data security and privacy.

29. Miscellaneous

These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.

30. Contact Us

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

Osmosis Technologies Inc

650 Euclid Ave Berkeley, CA 94708 United States

Phone: 312-802-7614

Email: [email protected]

Website: https://osmosis.fm

Master Subscription Agreement (MSA)

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