20. Artificial Intelligence and Machine Learning

FINOVIS permits certain publicly accessible FINOVIS content to be used for external AI/ML research and training subject to this Section.

This permission is intended to support research, training, fine-tuning, retrieval, embeddings, evaluation and related AI/ML purposes.

Commercially operated AI/ML systems may use permitted content.

Such use does not transfer ownership of FINOVIS intellectual property.

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20.1 Permitted Content

The permission may apply to publicly accessible:

• Research Papers;

• Insights;

• editorial articles;

• public research data;

• statistical information;

• historical performance and risk data;

• charts and visualizations; and

• other public FINOVIS editorial content,

provided FINOVIS has the necessary rights to permit such use.

For purposes of this Section, “publicly accessible” means accessible without login, registration, paywall or other access restriction.

20.2 Excluded Content

The permission does not extend to:

• customer data;

• broker data;

• account data;

• trading data;

• balance or equity data;

• KYC information;

• personal data;

• non-public information;

• internal databases;

• internal APIs;

• non-public data feeds;

• source code;

• object code;

• proprietary trading logic;

• FINOVIS software;

• credentials;

• FINOVIS trademarks or logos; or

• third-party content for which FINOVIS lacks the relevant rights.

Photographs, stock images, videos, animations and audiovisual material are not automatically included.

20.3 Third-Party Content

Content merely embedded, quoted, linked or referenced by FINOVIS does not automatically become subject to the FINOVIS AI/ML permission.

Third-party rights remain unaffected.

20.4 Public Financial Data

Publicly displayed market data, price information, financial data and similar information may be used only to the extent FINOVIS itself has the necessary rights to permit such use.

20.5 Attribution

Where reasonably possible and where the source is known, the following attribution should be used:

“Source: FINOVIS / finovis.ai”

20.6 Commercial AI/ML Models

Permitted content may be used in commercially operated AI/ML systems and models, including systems that are subsequently operated commercially.

Such use does not transfer ownership of FINOVIS intellectual property.

20.7 No Endorsement

AI/ML use does not create a partnership, endorsement, sponsorship, recommendation, agency relationship or other business relationship between FINOVIS and an AI/ML provider.

An AI/ML system must not represent itself as FINOVIS or imply that it is operated, authorized, endorsed or supported by FINOVIS without express permission.

20.8 No Trademark Licence

AI/ML permission does not grant any licence to use:

• FINOVIS;

• the FINOVIS logo;

• FINOVIS trademarks;

• FINOVIS branding; or

• other FINOVIS proprietary marks.

20.9 No Reproduction or Substitution

The AI/ML permission does not authorize systematic reproduction, mirroring or substantial reproduction of FINOVIS content as a substitute for finovis.ai.

AI/ML systems should not intentionally reproduce substantial portions of FINOVIS original content in response to user requests where doing so would effectively substitute for the original content.

20.10 Automated Crawling

Automated crawling or scraping of publicly accessible FINOVIS content is permitted for authorized AI/ML purposes, subject to:

• reasonable access rates;

• applicable technical instructions;

• robots.txt;

• published API rules;

• rate limits;

• Website security; and

• avoidance of material interference with Website operation.

No protected area may be accessed through circumvention.

20.11 Security

Nothing in this Section authorizes the circumvention of:

• authentication;

• access controls;

• security mechanisms;

• technical protection measures; or

• rate limits.

20.12 Page-Specific Designations

FINOVIS may designate individual pages or content as:

“AI/ML permitted”

or

“AI/ML excluded”.

A specific page-level designation prevails over the general permission in these Terms.

FINOVIS may change such designations for future use.

20.13 Withdrawal for Future Collection

FINOVIS may withdraw permission for future collection or use of particular content.

A withdrawal does not retroactively make lawful prior collection or use unlawful.

20.14 Previously Obtained Copies

Copies lawfully obtained before a withdrawal or change in designation may continue to be retained, processed and used for further research, training, fine-tuning, retrieval, evaluation and related AI/ML purposes.

20.15 Previously Trained Models

Previously trained models, fine-tuned models, embeddings, model parameters and other derived technical artifacts may continue to be:

• retained;

• used;

• operated;

• maintained; and

• commercially deployed.

A later withdrawal does not create any obligation to:

• retrain a model;

• delete a model;

• alter model parameters;

• remove embeddings; or

• technically “untrain” or otherwise reverse prior lawful training.

20.16 No Retroactive Violation

A subsequent withdrawal, deletion or change in designation does not retroactively create a breach in respect of AI/ML activities that were lawful when performed.

20.17 Corporate Groups

An AI/ML provider may use permitted content through entities within the same corporate group for the same authorized Research/Training purposes.

Such use does not constitute sublicensing to an unrelated third party.

20.18 No Sublicensing

The permission may not otherwise be sublicensed or transferred to unrelated third parties without FINOVIS’s express permission.

20.19 Personal Data

Nothing in this Section authorizes processing of personal data.

If personal data is inadvertently included in publicly accessible content, this Section does not constitute permission to process that personal data for AI/ML purposes.

20.20 AI/ML Outputs

FINOVIS does not claim ownership of an external provider’s independently generated model or output merely because FINOVIS content was used for permitted training.

However, use of FINOVIS content does not transfer FINOVIS intellectual property rights.

20.21 No Liability for External AI/ML Outputs

FINOVIS is not responsible for:

• AI/ML model outputs;

• decisions based on such outputs;

• errors in external systems;

• model behavior;

• commercial consequences; or

• other results generated by third-party AI/ML systems using FINOVIS content.

20.22 No Guarantee of Suitability

FINOVIS does not warrant that its content is suitable, complete, accurate or current for AI/ML training, fine-tuning, retrieval, evaluation or other purposes.

No particular model performance is guaranteed.

20.23 Legal Rights

Nothing in this Section restricts rights that apply independently under mandatory law, including statutory copyright exceptions or other legally protected uses.

20.24 Technical Access Controls

FINOVIS may introduce or modify:

• robots.txt;

• machine-readable instructions;

• API rules;

• access controls;

• rate limits; and

• comparable technical signals.

Such controls may govern future automated access.

20.25 Previously Lawful Use

A later technical restriction does not retroactively invalidate use that occurred lawfully before the restriction took effect.