BULLIONASSISTANT TERMS OF SERVICE & PROPRIETARY SOFTWARE LICENSE Effective Date: February 20, 2026 Service: bullionassistant.com (the “Service”) Support / Notices Email: bank42inc@gmail.com Operator: Michael-John Yu Yirrell (“Operator,” “we,” “us,” “our”) Notices Address: 11 Bartley St., Wakefield, MA 01880, Apt C207

These Terms of Service and Proprietary Software License (the “Terms”) govern your access to and use of the Service, including all software (including any code not distributed to you), interfaces, designs, logos, trademarks, content, documentation, and related materials (collectively, “BullionAssistant Materials”). The Service is proprietary and closed-source.

By accessing or using the Service, creating an account, starting a trial, or subscribing, you agree to these Terms.

  1. Eligibility You must be at least 18 years old (or the age of majority where you live, whichever is higher) to use the Service. By using the Service, you represent that you meet this requirement and have the legal capacity to enter these Terms.

  2. Subscription Plans; Trial; Billing; Auto-Renewal

2.1 Plans We offer subscription plans, including Starter and Pro, with monthly and annual billing. Plan details (features, limits, prices) are provided on bullionassistant.com and are incorporated by reference.

Pro may include features such as:

  • recording and managing your inventory and records related to precious metals; and
  • exporting your records to CSV and/or PDF.

2.2 14-Day Free Trial (card required) We may offer a 14-day free trial. A valid debit/credit card is required to start the trial. Unless you cancel before the trial ends, you authorize us (through our payment processor) to charge the applicable subscription fee and start your paid subscription immediately after the trial.

2.3 Auto-Renewal All subscriptions auto-renew unless canceled before renewal. Monthly subscriptions renew monthly; annual subscriptions renew annually.

2.4 Annual Discount Annual subscriptions may be offered at a discounted effective rate compared to monthly pricing. The discount (if any) is shown at purchase.

2.5 Upgrades and Downgrades

  • Upgrade (immediate): If you upgrade, you will be charged immediately for the pro-rated difference for the remainder of your current billing period (or another pro-rated amount as displayed at checkout/in-app).
  • Downgrade (next period): If you downgrade, the downgrade takes effect at the start of your next billing period.

2.6 No Refunds ALL SALES ARE FINAL. NO REFUNDS. This includes subscription fees, partial periods, unused time, annual plan payments, and trial-to-paid conversions. If refunds are required by applicable law, we will comply to the minimum extent required.

2.7 Taxes Prices displayed may be exclusive of taxes unless stated otherwise. You are responsible for any applicable taxes, duties, or governmental charges (except taxes on our income). If we are required to collect taxes, we may charge and collect them and you authorize such charges.

2.8 Payment Processing (Stripe) Payments are processed by Stripe and are subject to Stripe’s terms and policies. We do not store full payment card numbers; we receive limited billing details and tokenized payment information from Stripe.

2.9 Chargebacks and Payment Disputes If you initiate a chargeback or payment dispute, we may immediately suspend or terminate your access while the dispute is pending, and we may require you to resolve any outstanding balance and reimburse associated fees before restoring access.

  1. Privacy Policy Our Privacy Policy describes how we collect, use, and share information: Privacy Policy URL: https://bullionassistant.com/privacy

The Privacy Policy is incorporated by reference. If there is a conflict between these Terms and the Privacy Policy regarding contractual rights/obligations, these Terms control.

  1. Proprietary License Grant (Closed Source) Subject to these Terms and your timely payment of fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service solely for your personal, internal use during the subscription term.

The Service is licensed, not sold. We reserve all rights not expressly granted.

  1. Strict Restrictions (No Sharing; No Automation; No Reverse Engineering) You will not, and will not attempt to, directly or indirectly:
  1. Share credentials or allow any other person to access the Service under your account.
  2. Copy, reproduce, distribute, sell, resell, lease, rent, sublicense, assign, or transfer the Service or BullionAssistant Materials.
  3. Reverse engineer, decompile, disassemble, decode, translate, or derive source code, underlying structure, ideas, know-how, or algorithms from the Service (except to the extent prohibited by law).
  4. Scrape, crawl, spider, harvest, or use automated means (bots/scripts/agents) to access the Service or extract data without our prior written permission.
  5. Bypass or defeat paywalls, authentication, rate limits, access controls, trial restrictions, or security features.
  6. Use the Service to build, train, improve, benchmark, or operate a competing product or service, including using outputs to replicate or substitute the Service.
  7. Publish benchmarks or performance tests without written consent.
  8. Interfere with the Service or its infrastructure, including by introducing malware, conducting probing/scanning, or causing undue load.
  9. Use the Service in violation of law, regulation, or third-party rights.

We may enforce technical protections and monitor for abuse to protect the Service, users, and our rights.

  1. Intellectual Property; Ownership; Trademarks The Service and BullionAssistant Materials are owned by the Operator or licensors and protected by copyright, trade secret, trademark, and other laws.
  • BullionAssistant and related marks/logos are our trademarks (claimed).
  • No “powered by” or other branding use is permitted without our prior written approval.
  • You receive no rights to our IP except the limited license in Section 4.
  1. Your Data; Outputs; and Rights Allocation (IP-Protective)

7.1 Your Data You may input information such as inventory, transactions, notes, and records (“User Data”). As between you and us, you own your User Data.

7.2 License to Operate and Protect the Service You grant us a worldwide, non-exclusive license to host, store, process, transmit, display, and use your User Data only as necessary to:

  • provide and operate the Service;
  • maintain, secure, prevent fraud/abuse, troubleshoot, and improve the Service;
  • comply with legal obligations; and
  • enforce these Terms.

7.3 Outputs and Exports (CSV/PDF) The Service may generate outputs such as calculations, tables, summaries, reports, and export files (“Outputs”). You may use Outputs for your personal internal purposes. Outputs may reflect the Service’s proprietary methods and presentation.

To protect our IP, you agree you will not:

  • use Outputs to replicate the Service, create a competing offering, or provide a substitute service; or
  • systematically extract, compile, or aggregate Outputs at scale (including via automation) to recreate datasets, pricing engines, features, or workflows.

7.4 Aggregated/De-identified Data To the maximum extent permitted by law, we may create and use aggregated and/or de-identified data derived from Service usage (e.g., performance metrics, feature usage trends) for operating, improving, and protecting the Service. Such data will not identify you.

7.5 Account Security You are responsible for safeguarding your credentials and all activity under your account.

  1. Third-Party Data Feeds; Spot Price Latency The Service may use third-party services and data feeds, including MetalpriceAPI (metalpriceapi.com), for spot price and related information.
  • Data may be delayed (currently approximately 10 minutes).
  • Third-party feeds may be unavailable, inaccurate, delayed, or interrupted.
  • We may change providers at any time.

We are not responsible for third-party services, feeds, outages, or accuracy.

  1. Informational Use Only; No Financial Advice The Service is provided for informational and recordkeeping purposes only. It does not provide financial, investment, tax, or legal advice.

You are solely responsible for:

  • verifying spot prices and calculations with independent sources; and
  • any investment, purchase, sale, or trading decisions.
  1. Availability; Changes; Support

10.1 Availability The Service is provided “as available.” We do not guarantee uninterrupted operation.

10.2 Changes We may modify, update, suspend, or discontinue any part of the Service, including features, limits, and integrations. Material changes to paid plans will be effective at renewal or as required by law.

10.3 Support Support is provided via bank42inc@gmail.com. Response times are not guaranteed.

  1. Suspension; Termination

11.1 By You You may cancel in your account settings. Cancellation stops future renewals; you retain access until the end of the current billing period unless terminated earlier for cause.

11.2 By Us We may suspend or terminate access immediately if:

  • you violate these Terms;
  • we reasonably believe your use poses legal, security, or operational risk; or
  • required by law or to prevent harm.

11.3 Effect On termination, the license ends and access ceases. Sections intended to survive (IP, restrictions, disclaimers, liability limits, disputes, etc.) survive.

  1. Disclaimers TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE AND ALL BULLIONASSISTANT MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT ACCURACY, TIMELINESS, OR RELIABILITY OF ANY DATA OR OUTPUTS, INCLUDING SPOT PRICES OR THIRD-PARTY FEEDS.

  1. Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  1. WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, BUSINESS INTERRUPTION, OR SUBSTITUTE PROCUREMENT COSTS, ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY.

  2. OUR TOTAL LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE AMOUNT YOU PAID TO US FOR THE SERVICE IN THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY (OR $100, WHICHEVER IS GREATER).

Some jurisdictions do not allow certain limitations; liability will be limited to the maximum extent permitted.

  1. Indemnification You agree to indemnify, defend, and hold us harmless from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from or related to:
  • your use of the Service;
  • your User Data;
  • your violation of these Terms; or
  • your violation of law or third-party rights.
  1. Dispute Resolution; Arbitration; Class Action Waiver

15.1 Informal Resolution Before filing a claim, you agree to contact us at bank42inc@gmail.com with a brief description of the dispute and your requested relief. You and we will attempt to resolve disputes informally.

15.2 Binding Arbitration (AAA) Except for disputes eligible for small claims court and requests for injunctive/equitable relief relating to IP, unauthorized access, or breaches of Sections 4–6, any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its applicable rules.

Arbitration will be conducted remotely by video unless the arbitrator determines an in-person hearing is necessary.

This arbitration agreement is governed by the Federal Arbitration Act (FAA).

15.3 Class Action Waiver YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

15.4 Time Limit Any claim must be brought within one (1) year after the claim arises, unless a longer period is required by law.

  1. Governing Law; Venue (for court matters) For disputes not subject to arbitration (or where arbitration is not permitted), these Terms are governed by the laws of the Commonwealth of Massachusetts, excluding conflict of laws rules. The parties consent to exclusive jurisdiction and venue in the state and federal courts located in Middlesex County, Massachusetts (or, for federal matters, the U.S. District Court for the District of Massachusetts).

  2. Changes to These Terms We may update these Terms. If changes are material, we will provide notice via the Service or email. Continued use after the effective date constitutes acceptance.

  3. Contact Michael-John Yu Yirrell 11 Bartley St., Wakefield, MA 01880, Apt C207 bank42inc@gmail.com