Your license to use the app.

1. Introduction and Acceptance

This End User License Agreement ("EULA") constitutes a legally binding agreement between you ("you," "your," or "User") and Zumlo, Inc. ("Zumlo," "we," "us," or "our"). This EULA governs your access to and use of Zumlo's mobile software application, including any updates, modifications, enhancements, documentation, features, applications, and content made available through the application (collectively, the "Application"). The Application leverages artificial intelligence ("AI") technology to provide personalized support, interactive resources, and educational tools designed to enhance your mental well-being. These resources include personalized wellness plans, AI-generated activity recommendations, goal setting, progress tracking, journaling, mood tracking, community engagement, and conversational AI interactions intended for informational and self-reflective purposes. The Application may also collect and utilize personal information you share, including demographic information, medical and family history, lifestyle, habits, social engagement, goals and aspirations, personal beliefs, and other details to personalize your user experience and recommendations.

By downloading, installing, accessing, or otherwise using the Application, you expressly acknowledge that you have carefully read, fully understand, and agree to be legally bound by this EULA, as well as our Terms of Service and Privacy Notice, which are incorporated herein by reference. If you do not agree with any term or condition set forth in this EULA or any incorporated documents, you must immediately discontinue use and uninstall the Application from your device(s).

We reserve the right, at our sole discretion, to modify or update this EULA at any time. If changes are material, we will notify you through the Application or via email. Your continued use of the Application after such notification constitutes your explicit acceptance of the revised EULA.

2. License Grant and Scope

Subject to your compliance with this EULA and all applicable laws, Zumlo grants you a limited, personal, revocable, non-exclusive, non-transferable, and non-sublicensable license to download, install, access, and use the Application solely on compatible mobile devices owned or controlled by you, strictly for your personal, non-commercial purposes. The Application leverages artificial intelligence ("AI") technology to provide personalized support and resources aimed at enhancing your mental well-being and self-help goals. These resources explicitly include, but are not limited to, personalized wellness plans, AI-generated activity recommendations, goal-setting support, progress tracking, journaling and mood tracking tools, community and social engagement features, and conversational AI interactions intended solely for informational and self-reflective purposes. The Application may also collect and utilize personal information you explicitly provide, including demographic details, medical and family medical history, mental and physical well-being history, social and community engagement information, lifestyle and habits, goals and aspirations, cultural, religious, and personal beliefs, preferences, feedback, and other personal details, to tailor the user experience, personalize recommendations, and improve application delivery.

You explicitly acknowledge and agree that the conversational AI feature and related resources provided by Zumlo are intended solely as supportive and educational tools and are not a substitute for professional healthcare, counseling, medical advice, or therapy. Your use of the Application and access to its features and content are strictly conditioned upon adherence to the terms, restrictions, and limitations outlined in this EULA, as well as our Terms of Service and Privacy Notice. By using the Application, you expressly consent to the collection, use, and processing of your information as outlined in the Privacy Notice.

This license does not grant you ownership of the Application or any rights to the intellectual property contained within it, nor does it grant you any rights to use Zumlo's trademarks, logos, or other branding features except as explicitly authorized by Zumlo in writing.

Zumlo may periodically release updates, modifications, or enhancements to the Application at its sole discretion. You acknowledge and agree that this EULA applies equally to any updates or enhancements unless otherwise expressly provided in writing by Zumlo. All rights not expressly granted herein remain fully reserved by Zumlo and its licensors.

3. Restrictions and Acceptable Use

Except to the extent a restriction is prohibited by Applicable Law, you will not do, and will not assist, permit, or enable any third party to do, any of the following:

• disassemble, reverse engineer, decode, or decompile any part of the Application;
• use any robot, spider, scraper, off-line reader, data mining tool, data gathering or extraction tool, or any other automated means to access the Application in a manner that sends more request messages to the servers running the Application than a human can reasonably produce in the same period of time by using a conventional on-line web browser (except that Zumlo grants the operators of public search engines revocable permission to use spiders to copy publicly available materials from the Application for the sole purpose of, and solely to the extent necessary for, creating publicly available searchable indices of, but not caches or archives of, such materials, and only as specified in the applicable robots.txt file);
• use any content available on or via the Application (including any caption information, keywords, or other metadata) for any machine learning and/or artificial intelligence training or development purposes, or for any technologies designed or intended for the identification of natural persons;
• buy, sell or transfer API keys without our prior written consent in each case;
• copy, rent, lease, sell, loan, transfer, assign, license or purport to sublicense, resell, distribute, modify, alter, or create derivative works of any part of the Application or any of our Intellectual Property (as defined below), including, without limitation by any automated or non-automated "scraping";
• use the Application in any manner that impacts (i) the stability of the servers running the Application, (ii) the operation or performance of the Application or any User's use of the Application, or (iii) the behavior of other applications that use the Application;
• take any action that imposes, or may impose (as determined by us, in our sole discretion), an unreasonable or disproportionately large load on our infrastructure;
• use the Application in any manner or for any purpose that (i) violates, or promotes the violation of, any Applicable Law, contractual obligation, or right of any person, including, but not limited to, Intellectual Property Rights (as defined below), privacy rights, and/or rights of personality, (ii) is fraudulent, false, deceptive, or defamatory, (iii) promotes hatred, violence, or harm against any individual or group, or (iv) otherwise may be harmful or objectionable (in our sole discretion) to us or to our providers, our suppliers, Users, or any other third party;
• use or display the Application in competition with us, to develop competing products or applications, for benchmarking or competitive analysis of the Application, or otherwise to our detriment or disadvantage;
• access any content available on or via the Application through any technology or means other than those provided by the Application or authorized by us;
• bypass the measures we may use to prevent or restrict access to the Application, including, without limitation, features that prevent or restrict use or copying of any content or that enforce limitations on use of the Application or any portion thereof;
• attempt to interfere with, compromise the system integrity or security of, or decipher any transmissions to or from, the servers running the Application;
• use the Application to transmit spam, chain letters, or other unsolicited email;
• use the Application for any commercial solicitation purposes;
• transmit invalid data, viruses, worms, or other software agents through the Application;
• impersonate another person or entity, misrepresent your affiliation with a person or entity, hide or attempt to hide your identity, or otherwise use the Application for any invasive or fraudulent purpose;
• collect or harvest any personal information, including Users' names, from the Application; or
• identify or refer to us or to the Application in a manner that could reasonably imply a relationship that involves endorsement, affiliation, or sponsorship between you (or a third party) and us without our prior express written consent;
• use the Application, including its conversational AI features, wellness plans, activity recommendations, and resources, for purposes of medical diagnosis, medical treatment, therapy, crisis intervention, or any purposes requiring professional medical or therapeutic licensure or certification under applicable laws;
• provide or submit false, misleading, or inaccurate personal information, medical history, family medical history, mental or physical health history, demographic details, lifestyle or habits, or any other information collected by or submitted to the Application;
• share your account credentials, allow unauthorized access to your account, or otherwise permit unauthorized individuals to access or use the Application or any associated user account or information.

4. Intellectual Property

4.1 Intellectual Property Rights Definition

For the purposes of this EULA, "Intellectual Property Rights" means all patent rights, copyright rights, mask work rights, moral rights, rights of personality, trademark, trade dress and service mark rights, goodwill, trade secret rights, and any and all other intellectual property rights and proprietary rights as may now exist or hereafter come into existence, and all applications therefor and registrations, renewals, and extensions thereof, under Applicable Law.

4.2 Zumlo Intellectual Property

You understand and acknowledge that we (or our licensors (including other Users), as applicable) own and will continue to own all rights (including Intellectual Property Rights), title, and interest in and to the Application, all materials and content displayed or otherwise made available on and/or through the Application (including, without limitation, images, text, graphics, illustrations, logos, photographs, audio, videos, music, and User Content belonging to other Users; but, excluding your User Content), and all software, algorithms, code, technology, and intellectual property underlying and/or included in or with the Application (collectively and individually, "Intellectual Property"). Except as may be explicitly provided herein, nothing in this EULA will be deemed to create a license in or under any such Intellectual Property Rights, and you will not access, sell, license, rent, modify, distribute, copy, reproduce, transmit, display, perform, publish, adapt, edit, or create derivative works of any Intellectual Property. Use of any Intellectual Property for any purpose not expressly permitted by this EULA is strictly prohibited.

4.3 Output

Subject to your compliance with this EULA, you may use your output of the Application ("Output") for any lawful purpose (except as described below), on a royalty-free basis, provided that you acknowledge and agree: (a) that your use of the Application and the Output does not transfer to you ownership of any Intellectual Property Rights in the Application and that (b) we may, by notice to you at any time, limit your use of the Output or require you to cease using them (and delete any copies of them) if we form the view, in our sole and absolute discretion, that your use of the Output may infringe the rights of any third party. You shall not represent that Output was human-generated or use the Output to train your own machine learning models. DUE TO THE NATURE OF MACHINE LEARNING, THE OUTPUT MAY NOT BE UNIQUE ACROSS USERS AND THE APPLICATION MAY GENERATE THE SAME OR SIMILAR OUTPUT FOR OTHER USERS. USE OF THE APPLICATION MAY RESULT IN INCORRECT OUTPUT THAT DOES NOT ACCURATELY REFLECT REALITY. YOU MUST EVALUATE THE ACCURACY OF ANY OUTPUT AS APPROPRIATE FOR YOUR USE CASE, INCLUDING BY USING HUMAN REVIEW OF THE OUTPUT. YOU UNDERSTAND AND AGREE THAT THE OUTPUT MAY CONTAIN "HALLUCINATIONS" AND MAY BE INACCURATE, OBJECTIONABLE, INAPPROPRIATE, OR OTHERWISE UNSUITED TO YOUR PURPOSE, AND YOU AGREE THAT WE SHALL NOT BE LIABLE FOR ANY DAMAGES YOU OR ANY THIRD PARTY ALLEGES TO INCUR AS A RESULT OF OR RELATING TO ANY OUTPUT OR OTHER CONTENT GENERATED BY OR ACCESSED ON OR THROUGH THE APPLICATION.

4.4 Usage Data

We may collect, or you may provide to us, diagnostic, technical, usage, and/or related information, including information about your computers, mobile devices, systems, and software (collectively, "Usage Data"). All Usage Data is and will be owned solely and exclusively by us, and, to the extent any ownership rights in or to the Usage Data vest in you, you hereby assign to us all rights (including Intellectual Property Rights), title, and interest in and to same. Accordingly, we may use, maintain, and/or process the Usage Data or any portion thereof for any lawful purpose, including, without limitation: (a) to provide and maintain the Application; (b) to improve our products and services (including the Application), and to develop new products, services, and/or features; (c) to monitor your usage of the Application; (d) for research and analytics, including, without limitation, data analysis, identifying usage trends, and/or customer research; and (e) to share analytics and other derived Usage Data with third parties, solely in de-identified or aggregated form. The Application may contain technological measures designed to prevent unauthorized or illegal use of the Application; you understand and acknowledge that we may use these and other lawful measures to verify your compliance with this EULA and to enforce our rights, including Intellectual Property Rights, in and to the Application.

4.5 Feedback

To the extent you provide us any suggestions, recommendations, or other feedback relating to the Application or to any other Zumlo products or services (collectively, "Feedback"), you hereby assign to us all rights (including Intellectual Property Rights), title, and interest in and to the Feedback. Accordingly, we are free to use the Feedback and any ideas, know-how, concepts, techniques, and/or other intellectual property contained in the Feedback, without providing any attribution or compensation to you or to any third party, for any purpose whatsoever, although we are not required to use any Feedback. Feedback is deemed our Confidential Information (as defined below). You acknowledge that, by acceptance of your submission of Feedback, we do not waive any rights to use similar or related ideas previously known to us, or developed by our employees, or obtained from sources other than you.

You explicitly agree that you will not, directly or indirectly:

• Copy, reproduce, duplicate, modify, adapt, translate, create derivative works from, distribute, publicly display, publicly perform, license, sublicense, sell, rent, lease, assign, transfer, or otherwise commercially exploit or make available Zumlo IP, or any part thereof, except as explicitly permitted by Zumlo in writing;
• Use Zumlo IP, including AI-generated content, wellness plans, recommendations, conversational AI outputs, or other materials, for any unauthorized purposes, including but not limited to training or developing machine-learning or AI models, or for any technologies or purposes designed or intended for the identification of natural persons;
• Remove, alter, obscure, or modify any proprietary notices, trademarks, copyrights, logos, branding, or intellectual property markings clearly contained within or displayed by Zumlo IP;
• Challenge, contest, dispute, or otherwise infringe Zumlo's Intellectual Property Rights or proprietary interests in Zumlo IP, including but not limited to trademarks, copyrights, patents, trade secrets, or other intellectual property rights.

5. Confidential Information

The Application may include non-public, proprietary, or confidential information of Zumlo and/or of other Users ("Confidential Information"). Confidential Information includes any information that should reasonably be understood to be confidential given the nature of the information and the circumstances of disclosure, including non-public business, product, technology, and marketing information. You will: (a) protect and safeguard the confidentiality of all Confidential Information with at least the same degree of care as you would use protect your own highly sensitive confidential information, but in no event with less than a reasonable degree of care; (b) not use any Confidential Information for any purpose other than to exercise your rights, or to perform your obligations, under this EULA; and (c) not disclose any Confidential Information to any person or entity, except your service providers or financial or legal advisors who/that (i) need to know the Confidential Information and (ii) are bound by non-use and non-disclosure restrictions at least as restrictive as those set forth in this Section.

6. Privacy; Data Security

6.1 Privacy

By using the Application, you acknowledge that we may collect, use, and disclose your personal information and aggregated and/or anonymized data as set forth in our Privacy Notice, and that your personal information may be transferred to, and/or processed in, the United States.

6.2 Security

We care about the integrity and security of your personal information. However, we cannot guarantee that unauthorized third parties will never be able to defeat our security measures or to use your data for improper purposes. You acknowledge that you provide your data at your own risk.

7. Medical & Professional Disclaimer

THE APPLICATION, INCLUDING BUT NOT LIMITED TO ITS AI-GENERATED CONTENT, WELLNESS PLANS, PERSONALIZED RECOMMENDATIONS, ACTIVITY SUGGESTIONS, COMMUNITY FEATURES, JOURNALING TOOLS, MOOD TRACKING, AND CONVERSATIONAL AI FEATURES, IS INTENDED SOLELY FOR INFORMATIONAL, EDUCATIONAL, AND SELF-HELP PURPOSES RELATED TO YOUR GENERAL MENTAL WELL-BEING. THE APPLICATION IS NOT INTENDED TO PROVIDE, NOR DOES IT PROVIDE OR REPLACE, PROFESSIONAL MEDICAL, PSYCHOLOGICAL, PSYCHIATRIC, OR THERAPEUTIC DIAGNOSIS, ADVICE, OR TREATMENT, AND SHOULD NEVER BE USED AS A SUBSTITUTE FOR ADVICE FROM QUALIFIED MEDICAL OR MENTAL WELL-BEING PROFESSIONALS. YOUR USE OF THE APPLICATION EXPLICITLY DOES NOT CREATE ANY PROFESSIONAL RELATIONSHIP (INCLUDING BUT NOT LIMITED TO DOCTOR-PATIENT, THERAPIST-CLIENT, OR COUNSELOR-CLIENT RELATIONSHIPS) BETWEEN YOU AND ZUMLO, ITS AFFILIATES, LICENSORS, OR ANY THIRD PARTY. IF YOU ARE EXPERIENCING A MEDICAL OR MENTAL WELL-BEING EMERGENCY, CRISIS, OR ANY IMMEDIATE RISK OF HARM, YOU MUST IMMEDIATELY CONTACT EMERGENCY SERVICES OR SEEK IMMEDIATE ASSISTANCE FROM QUALIFIED HEALTHCARE PROFESSIONALS. YOU ACKNOWLEDGE AND EXPLICITLY AGREE THAT ANY ACTIONS TAKEN BASED ON INFORMATION, RECOMMENDATIONS, OR OUTPUT FROM THE APPLICATION ARE TAKEN AT YOUR SOLE RISK. ZUMLO SHALL NOT BE LIABLE FOR ANY DAMAGES, LOSSES, OR OTHER CONSEQUENCES RESULTING FROM OR IN CONNECTION WITH YOUR USE OR MISUSE OF THE APPLICATION OR RELIANCE ON ANY CONTENT, RECOMMENDATIONS, OR OUTPUT GENERATED BY THE APPLICATION.

8. AI-Generated Content Disclaimer

The Application utilizes advanced artificial intelligence ("AI") technology to generate personalized recommendations, wellness plans, activity suggestions, conversational interactions, journal prompts, mood tracking insights, and other related informational content ("AI-Generated Content"). While Zumlo explicitly strives to deliver helpful and relevant information, you explicitly acknowledge and understand that the accuracy, completeness, reliability, appropriateness, and usefulness of AI-Generated Content are inherently limited and cannot be guaranteed. Due to the nature of AI technology and machine learning, AI-Generated Content may:

• Not be accurate, current, or reflect real-world conditions.
• Contain errors, inaccuracies, or misleading statements ("hallucinations").
• Not be unique or personalized specifically to you, and may generate similar or identical content for other users.
• Occasionally be objectionable, inappropriate, irrelevant, or unsuitable to your specific needs or situation.

You explicitly acknowledge and agree that you bear sole responsibility for critically evaluating, independently verifying, and determining the accuracy, appropriateness, and usefulness of all AI-Generated Content provided through the Application. Zumlo explicitly advises you to consult qualified healthcare, medical, or other relevant professionals to verify AI-Generated Content before relying on it, especially when making important or sensitive decisions regarding your mental or physical well-being. You explicitly acknowledge that AI-Generated Content is provided solely for informational, educational, and self-reflective purposes, and explicitly does not constitute professional medical, psychological, psychiatric, therapeutic, legal, financial, or other professional advice. You explicitly agree not to use AI-Generated Content for managing serious or critical mental well-being conditions, emergencies, crises, or any scenarios explicitly requiring the direct supervision or immediate attention of qualified medical or mental well-being professionals.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ZUMLO EXPLICITLY DISCLAIMS ALL LIABILITY FOR DAMAGES, LOSSES, INJURIES, OR OTHER CONSEQUENCES ARISING FROM OR RELATED TO YOUR USE OF, RELIANCE UPON, OR INTERPRETATION OF ANY AI-GENERATED CONTENT, INCLUDING BUT NOT LIMITED TO ANY ACTIONS OR DECISIONS YOU MAKE BASED ON SUCH CONTENT.

9. User Responsibility & Assumption of Risk

You explicitly acknowledge and agree that your use of the Application, including all content, personalized recommendations, AI-generated outputs, wellness plans, conversational interactions, journaling tools, mood tracking features, community engagement tools, and any other resources provided, is entirely at your own risk. Given the sensitive nature of topics covered by the Application, including mental well-being, lifestyle, emotional health, physical activities, goal-setting, personal history, medical information, cultural and personal beliefs, and social interactions, you explicitly acknowledge and accept sole responsibility for critically evaluating and determining the suitability, accuracy, appropriateness, and usefulness of the Application's content and recommendations for your specific circumstances.

You explicitly acknowledge and agree to the following:

• You explicitly assume all risks associated with following, relying on, or implementing content, advice, recommendations, or resources provided by the Application.
• You explicitly agree to seek professional guidance or assistance from qualified healthcare, medical, mental well-being, legal, financial, or other relevant professionals whenever you have any questions, doubts, or concerns about the applicability, appropriateness, or accuracy of information or recommendations provided through the Application.
• You explicitly agree not to use the Application as a substitute for professional medical, psychological, psychiatric, therapeutic, financial, legal, or other professional advice or services.
• You explicitly agree to carefully and independently verify any information or recommendations obtained from the Application before acting upon them, especially in decisions that may impact your mental, emotional, or physical well-being, relationships, financial circumstances, or other critical aspects of your life.
• You explicitly acknowledge that your interactions within any community or social features of the Application are solely your responsibility, and you explicitly accept all risks associated with sharing personal information, opinions, or engaging with other users.
• You explicitly agree to promptly discontinue use of the Application and seek professional assistance if, at any time, you experience worsening symptoms, mental distress, crisis situations, or conditions requiring immediate attention or qualified professional intervention.
• You explicitly acknowledge and accept responsibility for safeguarding and managing your personal information within the Application and explicitly agree that Zumlo shall not be liable for any damages, losses, or consequences resulting from your voluntary disclosure or sharing of sensitive personal or medical information within the Application, especially within community or social engagement features.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ZUMLO EXPLICITLY DISCLAIMS ALL LIABILITY ARISING FROM OR RELATED TO YOUR USE OR MISUSE OF THE APPLICATION, YOUR RELIANCE ON ANY CONTENT OR INFORMATION PROVIDED BY THE APPLICATION, OR ANY ACTIONS OR CONSEQUENCES RESULTING FROM YOUR USE OF THE APPLICATION. YOU EXPLICITLY ACKNOWLEDGE AND AGREE THAT UNDER NO CIRCUMSTANCES SHALL ZUMLO, ITS AFFILIATES, LICENSORS, OR PROVIDERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, OR EMOTIONAL DISTRESS ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE APPLICATION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10. No Crisis or Emergency Response

YOU EXPLICITLY ACKNOWLEDGE AND UNDERSTAND THAT THE APPLICATION DOES NOT PROVIDE ANY FORM OF CRISIS INTERVENTION, EMERGENCY RESPONSE SERVICES, OR IMMEDIATE SUPPORT FOR URGENT MENTAL WELL-BEING ISSUES, MEDICAL CONDITIONS, OR ANY OTHER CRISIS OR EMERGENCY SITUATIONS. IF YOU EXPERIENCE A MENTAL WELL-BEING OR MEDICAL CRISIS, OR IF YOU ARE THINKING ABOUT SELF-HARM, SUICIDE, OR OTHERWISE FEEL YOU ARE AT RISK OF HARMING YOURSELF OR OTHERS, YOU MUST IMMEDIATELY CONTACT EMERGENCY SERVICES, A QUALIFIED MENTAL WELL-BEING PROFESSIONAL, HEALTHCARE PROVIDER, OR APPROPRIATE CRISIS INTERVENTION HOTLINE AVAILABLE IN YOUR JURISDICTION.

YOU EXPLICITLY ACKNOWLEDGE AND AGREE THAT ZUMLO, INCLUDING ITS AFFILIATES, LICENSORS, PROVIDERS, EMPLOYEES, AND AGENTS, SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY HARM, DAMAGE, INJURY, LOSS, OR CONSEQUENCE RESULTING FROM OR RELATED TO THE USE, MISUSE, OR INABILITY TO USE THE APPLICATION DURING ANY CRISIS OR EMERGENCY SITUATION, OR FOR YOUR FAILURE TO SEEK IMMEDIATE PROFESSIONAL ASSISTANCE IN CRITICAL OR LIFE-THREATENING SITUATIONS.

YOU EXPLICITLY AGREE NOT TO RELY ON THE APPLICATION, INCLUDING ITS AI-GENERATED CONTENT, RECOMMENDATIONS, COMMUNITY FEATURES, OR CONVERSATIONAL AI FOR CRISIS INTERVENTION, EMERGENCY ASSISTANCE, OR FOR MANAGING URGENT MENTAL WELL-BEING, MEDICAL, OR SAFETY-RELATED ISSUES OR EMERGENCIES.

YOU EXPLICITLY ACKNOWLEDGE AND UNDERSTAND THAT ZUMLO DOES NOT ACTIVELY MONITOR OR RESPOND TO CRISIS SIGNALS, INDICATORS, OR EMERGENCY SITUATIONS IDENTIFIED IN YOUR INTERACTIONS OR CONTENT WITHIN THE APPLICATION. YOU EXPRESSLY ACKNOWLEDGE THAT YOU REMAIN FULLY AND SOLELY RESPONSIBLE FOR SEEKING APPROPRIATE, TIMELY PROFESSIONAL OR EMERGENCY ASSISTANCE IF AND WHEN NEEDED.

YOU EXPLICITLY ACKNOWLEDGE AND UNDERSTAND THAT ANY CONVERSATIONAL AI INTERACTIONS PROVIDED BY THE APPLICATION ARE NOT MONITORED BY HUMAN PROFESSIONALS OR STAFF FOR CRISIS DETECTION OR INTERVENTION PURPOSES. YOU EXPLICITLY AGREE THAT YOU WILL NOT USE OR RELY UPON THE APPLICATION'S CONVERSATIONAL AI AS A MEANS OF COMMUNICATING OR MANAGING URGENT OR CRISIS-RELATED INFORMATION OR NEEDS.

YOU EXPLICITLY AGREE THAT YOUR USE OF THE APPLICATION IS EXPRESSLY CONDITIONED ON YOUR UNDERSTANDING AND AGREEMENT THAT IT IS INTENDED SOLELY FOR GENERAL INFORMATIONAL, EDUCATIONAL, AND SELF-HELP PURPOSES RELATED TO YOUR MENTAL WELL-BEING, AND EXPLICITLY NOT INTENDED FOR CRISIS INTERVENTION OR EMERGENCY RESPONSE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ZUMLO EXPLICITLY DISCLAIMS ALL LIABILITY, DIRECT OR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, ARISING FROM OR RELATED TO ANY CRISIS OR EMERGENCY SITUATION, INCLUDING, WITHOUT LIMITATION, ANY INJURY, HARM, LOSS OF LIFE, OR ANY OTHER CONSEQUENCE OR DAMAGE ARISING FROM OR RELATED TO THE APPLICATION OR YOUR USE OR RELIANCE UPON THE APPLICATION IN SUCH CIRCUMSTANCES.

11. Eligibility and User Age

By downloading, installing, accessing, or using the Application, you acknowledge and agree that you have carefully read, fully understood, and expressly consent to be legally bound by this End User License Agreement ("EULA"). If you do not agree with all terms and conditions of this EULA, you must not download, install, access, or use the Application. You represent and warrant that you:

1. Are at least eighteen (18) years of age, or the age of legal majority in your jurisdiction, whichever is higher ("Minimum Age");
2. Can form a legally binding contract with Zumlo;
3. Have not previously been suspended or removed from the Application; and
4. Will comply fully with this EULA and all applicable local, state, national, and international laws, rules, and regulations ("Applicable Law").

If you do not meet the Minimum Age requirement, you are strictly prohibited from downloading, installing, accessing, or using the Application, and must immediately discontinue use and uninstall or delete the Application from your device.

Organizational Users: If you are using the Application on behalf of an entity, organization, university, or company (an "Organization"), you represent and warrant that you have the authority to bind that Organization to this EULA. (Detailed terms regarding Organizational Users are provided in Section 12 (User Accounts).)

Parental Responsibility: If you are a parent, legal guardian, or responsible adult, and become aware that a child or individual under your supervision who does not meet the Minimum Age requirement has accessed or used the Application, you must immediately contact Zumlo to request termination of access and deletion of associated information. You agree that, as a parent or legal guardian, you bear sole responsibility for ensuring individuals under your supervision do not access or use the Application without authorization or in violation of this Minimum Age requirement. You further agree to indemnify and hold Zumlo harmless from any claims or damages arising from such unauthorized use. Zumlo explicitly disclaims all liability arising from or related to any unauthorized use or access to the Application by individuals under the Minimum Age or in violation of applicable age restriction laws or regulations. Your continued use of the Application is expressly conditioned upon your ongoing compliance with the eligibility requirements and obligations clearly stated in this section.

12. User Accounts

(a) Your User Account

Your account on the Application ("User Account") provides access to certain services, features, and functionalities that Zumlo may, in its sole discretion, establish, maintain, or modify from time to time. You explicitly acknowledge that you do not own your User Account, nor do you possess any ownership or proprietary rights in data or content stored by or on behalf of Zumlo on the servers operating the Application. Zumlo may establish and maintain different types of User Accounts for different types of users at its sole discretion.

(b) Organizational Accounts

An individual may access and use the Application on behalf of an entity, organization, university, or company (collectively, an "Organization"). In such cases, notwithstanding anything to the contrary herein:

1. This EULA constitutes an agreement between (A) Zumlo and such individual and (B) Zumlo and that Organization;
2. "You," as used in this EULA in the context of license grants, assignments, restrictions, obligations, acknowledgments, representations, warranties, covenants, or any similar contexts, explicitly means both (A) the individual user and (B) the Organization, including the Organization's subsidiaries and affiliates, as well as their directors, officers, employees, contractors, agents, and other representatives who access and use the Application (collectively, "Org Users"); "your" has corresponding meanings;
3. The individual user explicitly represents and warrants that they possess the authority to bind the Organization to this EULA. If the individual user does not possess such authority, they must not access or use the Application;
4. Acceptance of this EULA by the individual user explicitly binds the Organization to all terms and obligations herein;
5. Zumlo may disclose information regarding the individual user's access to and use of the Application to that Organization;
6. An individual user's right to access and use the Application may be suspended, terminated, or modified (and administration of their User Account may be transferred) if the individual ceases to be associated with, or ceases using an email address associated with or provided by, that Organization;
7. The Organization shall explicitly ensure all Org Users are made aware of the provisions of this EULA as applicable to them, and explicitly shall cause each Org User to comply with those provisions;
8. The Organization explicitly agrees that it is solely responsible and liable for all acts and omissions of Org Users. Any act or omission by an Org User that constitutes a breach of this EULA will be explicitly deemed a breach by the Organization. Without limiting the generality of the foregoing, if an individual opens a User Account using an email address associated with or provisioned by an Organization, or if an Organization pays fees due for an individual's access or use of the Application (or reimburses such individual for such fees), Zumlo may, at its sole discretion, explicitly deem such individual to be accessing and using the Application on behalf of that Organization.

(c) Connecting via Third-Party Services

By connecting to the Application via a third-party service, you explicitly grant Zumlo permission to access and use information from that third-party service as explicitly permitted by that service. You explicitly consent to Zumlo storing your log-in credentials and/or access tokens for that third-party service.

(d) Account Security

You may never use another user's User Account without explicit permission from that user. When creating or updating your User Account, you explicitly agree to provide accurate and complete information, and explicitly commit to promptly update this information to ensure it remains accurate and complete. You are solely responsible for all activity that occurs on or through your User Account, and you explicitly agree to keep your User Account password(s) and/or any other authentication credentials secure and confidential. You explicitly agree not to share your User Account credentials with others. Zumlo explicitly encourages the use of strong passwords (combinations of upper- and lower-case letters, numbers, and symbols) to enhance security. You explicitly acknowledge and agree that any Org User with administrator-level access to your User Account can modify your User Account settings, access rights, and billing information. Zumlo explicitly disclaims liability for any losses arising from unauthorized use of your User Account or unauthorized changes to your User Account by any Org User with administrator-level access. You explicitly agree to notify Zumlo immediately of any suspected or actual breach of security or unauthorized use of your User Account.

(e) Account Settings

You may control certain aspects of your User Account and the associated user profile and preferences by adjusting settings available within your User Account settings page. By explicitly providing Zumlo with your email address, you consent to Zumlo using that email address to send you Application-related notices electronically, including any notices required by Applicable Law, in lieu of postal mail. Zumlo may also use your email address to send additional communications, including marketing, advertising, promotional content, and notifications about changes, updates, or special offers related to the Application ("Marketing Emails"). If you do not wish to receive Marketing Emails, you may explicitly opt-out by clicking the "unsubscribe" link within any Marketing Email or by contacting Zumlo at info@zumlo.co. Opting out of Marketing Emails explicitly will not prevent Zumlo from sending you important Application-related notices.

13. Changes, Suspension, and Termination

(a) Your Right to Deactivate Your Account

You may deactivate your User Account at any time by using the functionalities provided within the Application or by contacting Zumlo's support team. Upon deactivation, you will no longer have access to your User Account, and Zumlo may delete or disable all data associated with your User Account in accordance with applicable laws and Zumlo's Privacy Notice. You explicitly acknowledge and agree that even after deactivation, you continue to be bound by this EULA.

(b) Zumlo's Rights to Modify or Terminate the Application

Zumlo reserves the right, in its sole discretion, to change, modify, suspend, discontinue, or terminate the Application or any feature or functionality provided through the Application, with or without notice, and without liability to you or any third party. Zumlo may also impose usage limits or other restrictions on your access to or use of the Application.

(c) Suspension or Termination of Your Access

Zumlo explicitly reserves the right, with or without prior notice, and without liability, to temporarily or permanently suspend, restrict, or terminate your access to and use of the Application, including your User Account, at its sole discretion and for any reason or no reason, including, without limitation, if Zumlo determines, in its sole discretion, that you have violated any provision of this EULA or applicable law. If your User Account or access to the Application is suspended or terminated by Zumlo, you explicitly agree that Zumlo shall have no obligation or liability to you or any third party, and Zumlo may delete or disable access to any information associated with your User Account. You explicitly acknowledge and agree that upon any termination, all rights granted to you under this EULA shall immediately cease.

(d) Data Retention

Upon termination or deactivation of your User Account, Zumlo may retain or delete your data in accordance with Zumlo's Privacy Notice and applicable laws.

(e) Survival of Certain Terms

You explicitly acknowledge and agree that, upon any termination or expiration of this EULA or your access to the Application, all provisions of this EULA that by their nature should survive termination or expiration, including but not limited to Sections on Eligibility and User Age, Intellectual Property, Confidentiality, Privacy and Data Security, Medical and Professional Disclaimer, AI-Generated Content Disclaimer, User Responsibility, Limitation of Liability, Indemnification, and Governing Law, shall continue in full force and effect.

14. Third-Party Services & Content

(a) Integrations with Third-Party Services

The Application may integrate with, link to, or otherwise rely upon third-party services, products, tools, content, or materials ("Third-Party Services"). Your use of any Third-Party Services is governed exclusively by the terms, privacy policies, and other agreements of the applicable third parties, and Zumlo explicitly disclaims all responsibility and liability for such Third-Party Services.

(b) Third-Party Content

The Application may display or make available content, materials, or information provided by third parties ("Third-Party Content"), including, without limitation, videos, articles, links, advertisements, and other resources. You explicitly acknowledge and agree that Zumlo does not endorse, verify, or guarantee the accuracy, completeness, reliability, suitability, safety, legality, or appropriateness of Third-Party Content. Zumlo explicitly disclaims any responsibility or liability for any loss, injury, harm, or damages arising from or related to your use of, reliance upon, or interactions with any Third-Party Content.

(c) YouTube and Similar Third-Party Video Content

The Application may specifically include or embed video content or resources sourced from third-party platforms, including but not limited to YouTube. By accessing, viewing, or using such third-party video content within the Application, you explicitly agree to comply fully with the applicable third-party terms of use, privacy policies, copyright restrictions, and other legal or regulatory obligations governing the third-party platform. You explicitly acknowledge and agree that Zumlo does not host, control, or endorse any third-party video content, nor does Zumlo represent or warrant the accuracy, reliability, quality, suitability, legality, safety, or appropriateness of such third-party content.

(d) No Liability for Third-Party Content or Platforms

You explicitly acknowledge and agree that Zumlo explicitly disclaims all liability, direct or indirect, arising from your access to, use of, reliance upon, or interaction with any Third-Party Content or third-party platforms. Zumlo explicitly shall not be responsible or liable for any third-party content, including without limitation any errors, inaccuracies, omissions, inappropriate content, viruses, malware, loss or theft of data, or other damages or consequences arising from or related to your use or reliance upon such third-party content or platforms.

(e) Independent Verification Recommended

Zumlo explicitly encourages and recommends that you independently verify the accuracy, completeness, reliability, safety, appropriateness, and legality of all Third-Party Content before relying upon or acting upon such content. You explicitly assume full responsibility and all risks associated with your use of and reliance upon Third-Party Content.

(f) Changes to Availability of Third-Party Content

Zumlo explicitly reserves the right, in its sole discretion and without liability, to modify, remove, or restrict access to any Third-Party Content available through the Application at any time and for any reason, with or without prior notice to you.

(g) No Responsibility for Updates or Availability

You explicitly acknowledge and agree that Zumlo has no responsibility or obligation to ensure ongoing availability, accuracy, or currency of any Third-Party Content. Zumlo explicitly shall not be liable for any disruptions, discontinuations, inaccuracies, or unavailability of Third-Party Content, whether temporary or permanent.

15. Indemnification

You explicitly agree to defend, indemnify, and hold harmless Zumlo, its subsidiaries, affiliates, directors, officers, employees, contractors, licensors, agents, suppliers, successors, and assigns (collectively, "Zumlo Parties") from and against any claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising from or related to:

1. Your access, use, misuse, or reliance on the Application, including AI-Generated Content, Third-Party Content, recommendations, or user-generated content;
2. Any breach or violation by you of this EULA or applicable laws, including unauthorized account use or disclosure;
3. Any disputes, interactions, or claims involving other users or third parties arising from your use of the Application;
4. Any negligence, fraud, intentional wrongdoing, or misconduct by you; or
5. Any noncompliance or violation by you of applicable privacy, data protection, or data security laws, rules, or regulations relating to personal or sensitive data provided, uploaded, or shared by you through the Application.

Zumlo explicitly reserves the right, at its own expense, to assume exclusive defense and control of any claim subject to indemnification by you, and you explicitly agree to cooperate fully in Zumlo's defense. You explicitly agree not to settle any claim without Zumlo's prior explicit written consent. Your indemnification obligations explicitly set forth herein explicitly survive termination or expiration of this EULA indefinitely.

16. Disclaimers of Warranties

(a) No Warranties

YOU EXPLICITLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE APPLICATION, INCLUDING ANY CONTENT, RECOMMENDATIONS, AI-GENERATED CONTENT, WELLNESS PLANS, COMMUNITY FEATURES, OR ANY OTHER RESOURCES PROVIDED THROUGH OR BY THE APPLICATION, IS AT YOUR SOLE RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APPLICATION IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

(b) No Guarantee of Accuracy or Completeness

ZUMLO EXPLICITLY MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE COMPLETENESS, ACCURACY, RELIABILITY, EFFECTIVENESS, OR USEFULNESS OF THE APPLICATION OR ANY CONTENT, INFORMATION, RECOMMENDATIONS, WELLNESS PLANS, ACTIVITIES, CONVERSATIONAL AI OUTPUT, OR OTHER RESOURCES OR MATERIALS PROVIDED THROUGH THE APPLICATION. ZUMLO EXPLICITLY DISCLAIMS ANY RESPONSIBILITY OR LIABILITY FOR ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN SUCH CONTENT OR MATERIALS.

(c) No Medical or Professional Advice

YOU EXPLICITLY ACKNOWLEDGE AND AGREE THAT THE APPLICATION DOES NOT PROVIDE MEDICAL, HEALTHCARE, MENTAL HEALTHCARE, OR ANY OTHER PROFESSIONAL ADVICE, DIAGNOSIS, OR TREATMENT. ZUMLO EXPLICITLY DISCLAIMS ANY WARRANTY OR REPRESENTATION REGARDING THE MEDICAL OR PROFESSIONAL ADEQUACY, SUITABILITY, SAFETY, OR EFFICACY OF ANY CONTENT OR RECOMMENDATIONS PROVIDED THROUGH THE APPLICATION. THE APPLICATION SHOULD NEVER BE USED AS A SUBSTITUTE FOR PROFESSIONAL MEDICAL ADVICE OR SERVICES.

(d) No Warranty Against Harmful Components

ZUMLO EXPLICITLY MAKES NO REPRESENTATIONS OR WARRANTIES THAT THE APPLICATION, ITS SERVERS, OR ANY THIRD-PARTY RESOURCES USED BY THE APPLICATION ARE OR WILL REMAIN FREE OF VIRUSES, MALWARE, OR OTHER HARMFUL COMPONENTS. YOU EXPLICITLY ASSUME ALL RISK ASSOCIATED WITH THE USE OR DOWNLOAD OF CONTENT, MATERIALS, OR INFORMATION FROM OR THROUGH THE APPLICATION.

(e) No Warranty of Uninterrupted Service

ZUMLO EXPLICITLY DOES NOT WARRANT THAT YOUR USE OF THE APPLICATION WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, TIMELY, OR THAT DEFECTS OR ERRORS WILL BE CORRECTED. YOU EXPLICITLY ACKNOWLEDGE AND AGREE THAT THE APPLICATION MAY BE SUBJECT TO INTERRUPTIONS, DISRUPTIONS, DELAYS, OR ERRORS CAUSED BY FACTORS BEYOND ZUMLO'S CONTROL, INCLUDING NETWORK OR SERVER OUTAGES OR THIRD-PARTY ISSUES.

(f) Third-Party Content and Interactions Disclaimer

ZUMLO EXPLICITLY DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, OR LIABILITY RELATED TO ANY THIRD-PARTY CONTENT, INCLUDING, WITHOUT LIMITATION, THIRD-PARTY VIDEOS, WEBSITES, SERVICES, OR MATERIALS ACCESSED THROUGH THE APPLICATION. ZUMLO EXPLICITLY MAKES NO WARRANTIES OR REPRESENTATIONS REGARDING THE QUALITY, RELIABILITY, SAFETY, LEGALITY, OR ACCURACY OF SUCH THIRD-PARTY CONTENT OR INTERACTIONS WITH THIRD PARTIES.

(g) No Warranty for AI-Generated Outputs

YOU EXPLICITLY ACKNOWLEDGE AND AGREE THAT AI-GENERATED CONTENT, RECOMMENDATIONS, OR CONVERSATIONAL OUTPUT PROVIDED THROUGH THE APPLICATION MAY INCLUDE INACCURACIES, ERRORS, MISINFORMATION, OR CONTENT THAT IS INAPPROPRIATE OR UNSUITABLE FOR YOUR NEEDS OR PURPOSES. ZUMLO EXPLICITLY DISCLAIMS ANY WARRANTY OR REPRESENTATION OF ACCURACY, SUITABILITY, EFFECTIVENESS, OR RELIABILITY FOR AI-GENERATED CONTENT.

(h) Jurisdictional Limitations

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN DAMAGES. ACCORDINGLY, SOME OF THE ABOVE DISCLAIMERS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, THE ABOVE DISCLAIMERS SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

(i) Sensitive Information Disclaimer

YOU EXPLICITLY ACKNOWLEDGE THAT THE APPLICATION MAY REQUEST OR COLLECT SENSITIVE PERSONAL INFORMATION, INCLUDING MEDICAL HISTORY, LIFESTYLE, PERSONAL BELIEFS, CULTURAL INFORMATION, AND OTHER DEMOGRAPHIC DETAILS. ZUMLO EXPLICITLY DISCLAIMS ANY WARRANTY REGARDING THE PRIVACY OR SECURITY OF SUCH INFORMATION BEYOND ITS EXPLICITLY STATED PRIVACY AND DATA SECURITY PRACTICES IN ITS PRIVACY NOTICE.

17. Limitation of Liability

(a) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ZUMLO, ITS SUBSIDIARIES, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, LICENSORS, AGENTS, SUPPLIERS, SUCCESSORS, OR ASSIGNS (COLLECTIVELY, THE "ZUMLO PARTIES") BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, LOSS OF PRIVACY, BUSINESS INTERRUPTION, EMOTIONAL DISTRESS, LOSS OF GOODWILL, PERSONAL INJURY, OR ANY OTHER LOSSES OR DAMAGES), ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO, USE OF, OR INABILITY TO USE THE APPLICATION OR ANY CONTENT OR SERVICES PROVIDED THROUGH THE APPLICATION, EVEN IF ZUMLO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

(b) Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES SHALL THE TOTAL LIABILITY OF THE ZUMLO PARTIES TO YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO YOUR ACCESS TO OR USE OF THE APPLICATION OR ANY CONTENT, RECOMMENDATIONS, WELLNESS PLANS, AI-GENERATED CONTENT, THIRD-PARTY CONTENT, INTERACTIONS WITH USERS, OR ANY OTHER SERVICES PROVIDED THROUGH THE APPLICATION EXCEED THE GREATER OF: (I) THE TOTAL FEES PAID BY YOU TO ZUMLO IN CONNECTION WITH YOUR USE OF THE APPLICATION IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM; OR (II) ONE HUNDRED DOLLARS (USD $100.00). THIS LIMITATION APPLIES REGARDLESS OF WHETHER THE LIABILITY ARISES UNDER CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

(c) Exclusions and Limitations

SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, INCLUDING CONSEQUENTIAL OR INCIDENTAL DAMAGES. IN SUCH JURISDICTIONS, THE ABOVE LIMITATIONS AND EXCLUSIONS SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

(d) Acknowledgement of Risk

YOU EXPLICITLY ACKNOWLEDGE AND AGREE THAT ZUMLO PROVIDES THE APPLICATION, INCLUDING ALL CONTENT, AI-GENERATED MATERIALS, COMMUNITY FEATURES, AND RECOMMENDATIONS, FOR GENERAL INFORMATIONAL, WELLNESS, AND EDUCATIONAL PURPOSES ONLY. YOU EXPLICITLY ASSUME ALL RISKS ASSOCIATED WITH THE USE OR RELIANCE UPON ANY CONTENT OR RECOMMENDATIONS PROVIDED THROUGH THE APPLICATION, AND YOU EXPLICITLY AGREE THAT ZUMLO SHALL NOT BE LIABLE FOR ANY DAMAGES, HARM, OR LOSSES OF ANY KIND RESULTING FROM SUCH USE OR RELIANCE.

(e) No Liability for Actions of Third Parties

ZUMLO EXPLICITLY DISCLAIMS ALL LIABILITY ARISING FROM THE ACTIONS, INACTIONS, OR MISCONDUCT OF ANY THIRD PARTY OR OTHER USERS OF THE APPLICATION, INCLUDING WITHOUT LIMITATION ANY UNAUTHORIZED USE OR DISCLOSURE OF PERSONAL OR SENSITIVE INFORMATION, MISLEADING OR INACCURATE INFORMATION, OR INTERACTIONS AMONG USERS OR BETWEEN USERS AND THIRD PARTIES.

(f) Basis of the Bargain

YOU EXPLICITLY ACKNOWLEDGE AND AGREE THAT THE LIMITATIONS OF LIABILITY SET FORTH IN THIS SECTION REPRESENT AN ESSENTIAL BASIS OF THE AGREEMENT BETWEEN YOU AND ZUMLO, AND THAT ZUMLO WOULD NOT PROVIDE ACCESS TO OR USE OF THE APPLICATION WITHOUT SUCH LIMITATIONS. THESE LIMITATIONS OF LIABILITY APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

(g) No Liability for Regulatory Compliance

ZUMLO EXPLICITLY DISCLAIMS ALL LIABILITY ARISING FROM OR RELATING TO YOUR FAILURE TO COMPLY WITH APPLICABLE LAWS, RULES, OR REGULATIONS, INCLUDING WITHOUT LIMITATION PRIVACY, DATA SECURITY, DATA PROTECTION, OR MEDICAL REGULATIONS APPLICABLE TO YOUR USE OF THE APPLICATION OR INFORMATION PROVIDED THROUGH THE APPLICATION.

18. General Provisions

(a) Assignment

You may not assign or transfer this EULA, by operation of law or otherwise, without Zumlo's prior written consent. Any attempt by you to assign or transfer this EULA without such consent will be null and void. Zumlo may freely assign or transfer this EULA without restriction. Subject to the foregoing, this EULA will bind and inure to the benefit of the parties, their successors, and permitted assigns.

(b) Notification Procedures and Changes to this EULA

Zumlo may provide notifications, whether such notifications are required by law or are for marketing or other business-related purposes, to you via email notice, written or hard copy notice, or through posting of such notice on the Application, as determined by Zumlo in its sole discretion. Zumlo reserves the right to determine the form and means of providing notifications to you, provided that you may opt-out of certain means of notification as described in this EULA. Zumlo is not responsible for any automatic filtering you or your network provider may apply to email notifications Zumlo sends to the email address you provide. Zumlo may, in its sole discretion, modify or update this EULA from time to time, so you should review this page periodically. Your continued use of the Application after any such change constitutes your acceptance of the modified EULA.

(c) Entire Agreement

This EULA constitutes the entire agreement between you and Zumlo regarding your use of the Application and supersedes all prior agreements or communications, whether oral or written, regarding your use of the Application.

(d) Governing Law and Jurisdiction

This EULA shall be governed by and construed in accordance with the laws of the State of California, without regard to or application of conflict of laws rules or principles. You agree that any dispute arising under or relating to this EULA or your use of the Application will be exclusively brought in the state or federal courts located in California, and you consent to the personal jurisdiction of such courts.

(e) California Residents

If you are a California resident, you may have this EULA mailed to you electronically by sending a letter to Zumlo, Inc., Attention: EULA Inquiry, via email at info@zumlo.co, with your email address and a request for the EULA. Pursuant to California Civil Code Section 1789.3, California residents are entitled to the following specific consumer rights notice: The provider of the Application is Zumlo, Inc. If you have a complaint regarding the Application or desire further information about use of the Application, please contact us at info@zumlo.co. You may also 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 N112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

(f) Severability

If any provision of this EULA is found by a court of competent jurisdiction to be invalid or unenforceable, the remaining provisions of this EULA will remain in full force and effect.

(g) Waiver

No failure or delay by either party in exercising any right, power, or privilege under this EULA will operate as a waiver thereof, nor will any single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power, or privilege under this EULA.

(h) Force Majeure

Neither party shall be responsible or liable for any delay or failure to perform under this EULA to the extent such delay or failure results from circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics, epidemics, war, terrorism, labor disputes, telecommunications outages, or governmental actions.

(i) Notices

All notices required or permitted under this EULA must be delivered in writing via email. Zumlo may provide notice to you by sending an email to the address associated with your account. You may provide notice to Zumlo by emailing us at info@zumlo.co.

(j) Relationship of the Parties

Nothing contained herein shall be construed as creating any agency, partnership, employment, or joint venture relationship between you and Zumlo, and neither party shall have the authority to bind or represent the other party in any manner whatsoever.

(k) Headings

The headings used in this EULA are included for convenience only and shall not affect the interpretation of this EULA.

(l) Survival

Sections pertaining to Intellectual Property, Confidentiality, Disclaimers, Indemnification, Limitation of Liability, and these General Provisions will survive termination of this EULA.

19. Sensitive and High-Risk Situations

(a) Nature of the Application

The Application is expressly provided solely for personal, educational, informational, and general wellness-related purposes, utilizing artificial intelligence (AI) to deliver personalized recommendations, wellness plans, goal tracking, interactive conversations, mood tracking, and related well-being activities.

(b) Explicit Exclusion of Sensitive and High-Risk Use

The Application is not intended for and must not be used in any sensitive, critical, or high-risk situations or contexts including, without limitation:

• Crisis intervention, suicide prevention, or acute mental distress;
• Medical diagnosis, treatment, therapeutic interventions, or medical emergencies;
• Emergency responses or urgent professional medical or psychological care;
• Situations where errors, inaccuracies, or delays in information could cause death, severe physical or psychological harm, injury, financial harm, or significant damage.

(c) Immediate Professional Assistance Required

If you experience severe emotional distress, suicidal thoughts, crisis, medical emergencies, or any condition requiring immediate professional intervention, you explicitly acknowledge and agree that you will immediately contact emergency services, seek help from qualified healthcare professionals, or reach out to crisis hotlines or emergency services available in your region. The Application is explicitly not designed, intended, or equipped to handle or respond to such circumstances or provide immediate assistance, intervention, or clinical judgment.

(d) No Monitoring or Emergency Response

You expressly acknowledge and agree that Zumlo does not provide monitoring, emergency support, crisis management, or urgent medical or psychological interventions. You explicitly release Zumlo from any obligation, responsibility, or liability to respond, intervene, or provide assistance during sensitive or emergency situations.

(e) User's Explicit Acknowledgment of Risk

You explicitly acknowledge and understand the inherent limitations and risks of using an AI-powered Application for mental well-being and wellness purposes. You expressly assume all responsibility and risks associated with your use of the Application, including reliance on AI-generated wellness suggestions, recommendations, or conversational AI interactions. Zumlo explicitly disclaims any responsibility for any adverse effects, harm, damages, or losses you may experience due to your reliance on, or use of, the Application in any sensitive, critical, or high-risk context.

(f) Explicit Limitation of Liability for High-Risk Situations

Zumlo expressly disclaims, and you explicitly release Zumlo, its affiliates, licensors, directors, officers, employees, agents, and representatives from, any and all claims, liabilities, damages, demands, or actions arising out of, related to, or in connection with your use of the Application in any sensitive or high-risk situations.

20. Regulatory Compliance & Data Handling

(a) Compliance with Applicable Laws

You expressly acknowledge and agree that your use of the Application must comply at all times with all applicable local, state, national, and international laws, rules, regulations, and requirements, including but not limited to those relating to data privacy, security, mental and physical well-being services, health data management, and the handling of personal and sensitive information.

(b) User Responsibilities Regarding Data Handling

You explicitly acknowledge and agree that you bear sole responsibility for ensuring the accuracy, truthfulness, and completeness of all personal, health-related, demographic, medical, lifestyle, and any other information that you submit to or through the Application. Zumlo expressly disclaims any and all liability arising from or related to incorrect, misleading, incomplete, or inaccurate information provided by you.

(c) Consent to Data Processing and International Transfers

You explicitly acknowledge and consent to Zumlo's collection, processing, storage, and use of your personal information, including sensitive personal data such as health-related information, lifestyle information, demographics, medical history, mental and physical health history, social and community engagement data, cultural and personal beliefs, goals and aspirations, preferences, and feedback, as clearly described and governed by Zumlo's Privacy Notice. You explicitly consent to the transfer and processing of your personal and sensitive information to and within jurisdictions, including the United States, India, and other jurisdictions in which Zumlo or its service providers operate, which may have privacy or data protection laws that differ from those in your jurisdiction. You explicitly consent that such transfer and processing are necessary for your use of the Application.

(d) Data Security & Protection Measures

Zumlo maintains comprehensive, commercially reasonable, industry-standard technical, administrative, and physical security measures designed to protect your personal and sensitive information from unauthorized access, disclosure, alteration, loss, misuse, or destruction. However, you explicitly acknowledge and agree that no internet transmission or electronic storage method is completely secure or infallible, and Zumlo cannot guarantee absolute security of your information.

(e) Reporting Data Privacy or Security Concerns

If you become aware of or suspect unauthorized access, disclosure, or misuse of your account or personal data, you agree to immediately notify Zumlo at the contact information provided in Section 24 (Contact Information). You explicitly acknowledge your responsibility to take prompt steps to mitigate the impact and protect your data.

(f) Cooperation with Regulatory Authorities

Zumlo reserves the right, and you explicitly authorize Zumlo, to disclose your information, including personal and sensitive information, if legally required to do so, including to cooperate with regulatory authorities, respond to subpoenas, legal processes, court orders, or governmental inquiries, or to enforce Zumlo's rights under this EULA or applicable laws and regulations.

(g) No Medical or Professional Licensure

You explicitly acknowledge and understand that Zumlo and the Application are neither licensed medical or healthcare providers nor regulated medical devices, and the Application does not provide medical, psychological, therapeutic, or clinical services or advice. You expressly agree that your use of the Application does not create any patient-provider or therapeutic relationship and explicitly releases Zumlo from any claims or liabilities arising from expectations or assumptions to the contrary.

(h) Updates to Regulatory Compliance Obligations

Zumlo reserves the right to update, modify, or revise this section to reflect new or amended regulatory compliance requirements, obligations, or best practices relating to data privacy, security, and handling of personal and sensitive information. You explicitly agree that your continued use of the Application following such changes constitutes your acceptance of the updated regulatory compliance obligations.

21. Governing Law, Arbitration, and Class Action/Jury Trial Waiver

21.1 Governing Law

You agree that: (a) the Application will be deemed solely based in the State of Delaware; and (b) the Application will be deemed a passive one that does not give rise to personal jurisdiction over us, either specific or general, in jurisdictions other than Delaware. This EULA will be governed by the internal substantive laws of the State of Delaware, without respect to its conflict of laws principles. The parties acknowledge that these Terms evidence a transaction involving interstate commerce. Notwithstanding the preceding sentences with respect to the substantive law governing these Terms, the Federal Arbitration Act (9 U.S.C. §§ 1-16) (as it may be amended, "FAA") governs the interpretation and enforcement of the Arbitration Agreement below and preempts all state laws (and laws of other jurisdictions) to the fullest extent permitted by Applicable Law. If the FAA is found to not apply to any issue that arises from or relates to the Arbitration Agreement, then that issue will be resolved under and governed by the law of the U.S. state where you live (if applicable) or the jurisdiction mutually agreed upon in writing by you and us. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded. You agree to submit to the exclusive personal jurisdiction of the federal and state courts located in Delaware for any actions for which we retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of our data security, Confidential Information, or Intellectual Property Rights, as set forth in the Arbitration Agreement below, including any provisional relief required to prevent irreparable harm. You agree that Delaware is the proper and exclusive forum for any appeals of an arbitration award, or for trial court proceedings in the event that the Arbitration Agreement below is found to be unenforceable. This EULA was drafted in the English language and this English language version of the EULA is the original, governing instrument of the understanding between you and us. In the event of any conflict between the English version of these Terms and any translation, the English version will prevail.

21.2 Arbitration Agreement

General. READ THIS SECTION CAREFULLY BECAUSE IT REQUIRES THE PARTIES TO ARBITRATE THEIR DISPUTES AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM US. This Arbitration Agreement applies to and governs any dispute, controversy, or claim between you and us that arises out of or relates to, directly or indirectly: (i) these Terms, including the formation, existence, breach, termination, enforcement, interpretation, validity, and enforceability thereof; (ii) access to or use of the Application, including receipt of any advertising or marketing communications; (iii) any transactions through, by, or using the Application or (iv) any other aspect of your relationship or transactions with us, directly or indirectly, as a User or consumer (each, a "Claim," and, collectively, "Claims"). This Arbitration Agreement will apply, without limitation, to all Claims that arose or were asserted before or after your consent to this EULA.

Opting Out of Arbitration Agreement. If you are a new User, you can reject and opt out of this Arbitration Agreement within thirty (30) days of accepting this EULA by emailing us at info@zumlo.co with your full, legal name and stating your intent to opt out of this Arbitration Agreement. Opting out of this Arbitration Agreement does not affect the binding nature of any other part of this EULA, including the provisions regarding controlling law or the courts in which any disputes must be brought.

Dispute-Resolution Process. For any Claim, you will first contact us at info@zumlo.co and attempt to resolve the Claim with us informally. In the unlikely event that we have not been able to resolve a Claim after sixty (60) days, we each agree to resolve such Claim exclusively through binding arbitration by JAMS before a single arbitrator (the "Arbitrator"), under the Optional Expedited Arbitration Procedures then in effect for JAMS (the "Rules"), except as provided herein. JAMS may be contacted at www.jamsadr.com, where the Rules are available. In the event of any conflict between the Rules and this Arbitration Agreement, this Arbitration Agreement will control. The arbitration will be conducted in the U.S. county where you live (if applicable) or Sussex County, Delaware, unless you and Zumlo agree otherwise. If you are using the Application for commercial purposes, each party will be responsible for paying any JAMS filing and administrative fees and Arbitrator fees in accordance with the Rules, and the award rendered by the Arbitrator will include costs of arbitration, reasonable attorneys' fees, and reasonable costs for expert and other witnesses. If you are an individual using the Application for non-commercial purposes: (i) JAMS may require you to pay a fee for the initiation of your case, unless you apply for and successfully obtain a fee waiver from JAMS; (ii) the award rendered by the Arbitrator may include your costs of arbitration, your reasonable attorneys' fees, and your reasonable costs for expert and other witnesses; and (iii) you may sue in a small claims court of competent jurisdiction without first engaging in arbitration, but this would not absolve you of your commitment to engage in the informal dispute resolution process. Any judgment on the award rendered by the Arbitrator may be entered in any court of competent jurisdiction. You and we agree that the Arbitrator, and not any federal, state, or local court or agency, will have exclusive authority to resolve any disputes relating to the scope, interpretation, applicability, enforceability, or formation of this Arbitration Agreement, including any claim that all or any part of this Arbitration Agreement is void or voidable. The Arbitrator will also be responsible for determining all threshold arbitrability issues, including issues relating to whether this EULA are, or whether any provision of this EULA is, unconscionable or illusory, and any defense to arbitration, including waiver, delay, laches, unconscionability, and/or estoppel.

Equitable Relief. Nothing in this Arbitration Agreement will be deemed as: preventing us from seeking injunctive or other equitable relief from the courts as necessary to prevent the actual or threatened infringement, misappropriation, or violation of our data security, confidential information, or intellectual property rights; or preventing you from asserting claims in a small claims court, provided that your claims qualify and so long as the matter remains in such court and advances on only an individual (non-class, non-collective, and non-representative) basis.

Severability. If this Arbitration Agreement is found to be void, unenforceable, or unlawful, in whole or in part, the void, unenforceable, or unlawful provision, in whole or in part, will be severed. Severance of the void, unenforceable, or unlawful provision, in whole or in part, will have no impact on the remaining provisions of this Arbitration Agreement, which will remain in force, or on the parties' ability to compel arbitration of any remaining Claims on an individual basis pursuant to this Arbitration Agreement. Notwithstanding the foregoing, if the Class Action/Jury Trial Waiver below is found to be void, unenforceable, or unlawful, in whole or in part, because it would prevent you from seeking public injunctive relief, then any dispute regarding the entitlement to such relief (and only that relief) must be severed from arbitration and may be litigated in a civil court of competent jurisdiction. All other claims for relief subject to arbitration under this Arbitration Agreement will be arbitrated under its terms, and the parties agree that litigation of any dispute regarding the entitlement to public injunctive relief will be stayed pending the outcome of any individual claims in arbitration.

21.3 Class Action/Jury Trial Waiver

By entering into this EULA, you and ZUMLO are each waiving the right to a trial by jury or to bring, join, or participate in any purported class action, collective action, private attorney general action, or other representative proceeding of any kind as a plaintiff or class member. the foregoing applies to all users (both natural persons and entities), regardless of whether you have obtained or used the Application for personal, commercial, or other purposes. This class action/jury trial waiver applies to class arbitration, and, unless we agree otherwise, the Arbitrator may not consolidate more than one person's or entity's claims. You and ZUMLO agree that the Arbitrator may award relief only to an individual claimant and only to the extent necessary to provide relief on your individual claim(s). Any relief awarded may not affect other users.

22. Export Control

You understand and acknowledge that the Application may be subject to export control laws and regulations. You will comply with all applicable import and export and re-export control and trade and economic sanctions laws and regulations, including the Export Administration Regulations maintained by the U.S. Department of Commerce, trade and economic sanctions maintained by the U.S. Treasury Department's Office of Foreign Assets Control ("OFAC"), and the International Traffic in Arms Regulations maintained by the U.S. State Department. You represent and warrant that you are not, and that no person to whom you make the Application available or that is acting on your behalf, or, if you are an Organization, that no person or entity owning 50% or more of your equity securities or other equivalent voting interests, is (a) listed on the List of Specially Designated Nationals and Blocked Persons or on any other list of sanctioned, prohibited, or restricted parties administered by OFAC or by any other governmental entity, or (b) located in, a national or resident of, or a segment of the government of, any country or territory for which the United States maintains trade or economic sanctions or embargoes or that has been designated by the U.S. Government as a "terrorist supporting" region.

23. Regional Notices and Disclosures

(a) Global Users

The Application is provided and operated by Zumlo, Inc., based in the United States. By accessing or using the Application from outside the United States, you explicitly acknowledge and consent that your personal data, including sensitive information, will be transferred to, processed, and stored within the United States, India, and other jurisdictions where Zumlo or its service providers operate, which may have data protection and privacy laws that differ from those in your jurisdiction. You explicitly consent to such transfers and data processing in accordance with Zumlo's Privacy Notice. You explicitly acknowledge and agree that it is your sole responsibility to comply with applicable local laws and regulations regarding your access to and use of the Application. Zumlo explicitly disclaims all liability arising from your failure to comply with local laws or regulations applicable in your jurisdiction. Zumlo explicitly reserves the right to update, modify, or supplement these regional disclosures as necessary to comply with applicable laws or regulatory requirements. Your continued use of the Application following any such update explicitly constitutes your acceptance of the updated disclosures.

(b) United States Users

California Residents: Under California Civil Code Section 1789.3, California residents have specific consumer rights, including the right to contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs. Complaints may be submitted in writing at 1625 North Market Blvd., Suite N112, Sacramento, CA 95834, or by telephone at (800) 952-5210. By using the Application, you explicitly agree that you waive the protections under California Civil Code §1542, which reads as follows: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."

(c) Users in India

Users in India explicitly acknowledge and consent that the Application and its content are provided solely for general wellness and informational purposes and are not licensed or registered under applicable Indian medical, mental healthcare, or clinical regulations. Zumlo does not provide medical, psychological, psychiatric, or therapeutic services or advice regulated under Indian law. You explicitly agree that the Application and its outputs should not be relied upon for any purpose requiring professional licensure or certification under Indian law. You explicitly consent to Zumlo's collection, storage, processing, and transfer of your personal and sensitive information, as defined under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and other applicable Indian laws, to jurisdictions outside India, including to the United States, in accordance with Zumlo's Privacy Notice. You explicitly agree that such transfer and processing are necessary for your use of the Application.

24. Contact Information

If you have any questions, concerns, or comments about this EULA, the Application, your rights or obligations under this Agreement, or wish to report any issues or suspected violations of this EULA, please explicitly contact Zumlo at:

Zumlo, Inc. Ashburn, VA, 20148 United States (Full address explicitly available upon request via email at info@zumlo.co)

Email: info@zumlo.co Website: https://zumlo.co

You explicitly agree that any notices, complaints, or communications sent by you to Zumlo electronically (via email or the provided website form) satisfy all applicable legal requirements, including any requirement that such communications be in writing.

25. Acknowledgment Clause

BY DOWNLOADING, INSTALLING, ACCESSING, OR OTHERWISE USING THE APPLICATION, YOU EXPLICITLY ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY ALL OF THE TERMS, CONDITIONS, DISCLAIMERS, LIMITATIONS, AND REQUIREMENTS CLEARLY SET FORTH IN THIS END USER LICENSE AGREEMENT (EULA). IF YOU DO NOT AGREE TO EACH AND EVERY TERM AND CONDITION CONTAINED IN THIS AGREEMENT, YOU ARE NOT AUTHORIZED TO DOWNLOAD, INSTALL, ACCESS, OR OTHERWISE USE THE APPLICATION, AND YOU MUST IMMEDIATELY DISCONTINUE ANY SUCH USE AND DELETE OR REMOVE THE APPLICATION FROM YOUR DEVICE.

BY DOWNLOADING OR INSTALLING THE APPLICATION, YOU EXPLICITLY REPRESENT AND WARRANT THAT YOU HAVE THE LEGAL CAPACITY AND AUTHORITY TO ENTER INTO THIS AGREEMENT, AND IF YOU ARE ENTERING INTO THIS AGREEMENT ON BEHALF OF AN ENTITY OR ORGANIZATION, YOU EXPLICITLY REPRESENT AND WARRANT THAT YOU HAVE THE AUTHORITY TO LEGALLY BIND THAT ENTITY OR ORGANIZATION TO THE TERMS OF THIS AGREEMENT.

THIS AGREEMENT CONSTITUTES THE COMPLETE AND EXCLUSIVE AGREEMENT BETWEEN YOU AND ZUMLO REGARDING YOUR DOWNLOAD, INSTALLATION, AND USE OF THE APPLICATION, AND EXPRESSLY SUPERSEDES ANY PRIOR AGREEMENTS, COMMUNICATIONS, OR UNDERSTANDINGS, WHETHER ORAL OR WRITTEN, BETWEEN YOU AND ZUMLO REGARDING SUCH SUBJECT MATTER.