Last Updated: June 3, 2026

Entity: CredCore Inc., 750 Lexington Ave, New York, NY 10022

Contact: security@credcore.com

1. Nature of Services; No Professional Advice

CredCore Inc. (“CredCore”) provides an AI-powered computational analysis platform designed to process and synthesize credit agreements and related debt corpus data (the “Services”). CredCore is a technology provider, not a law firm, fiduciary, registered investment adviser, broker-dealer, or regulated financial services provider in any jurisdiction.

The outputs, reports, summaries, tearsheets, comparisons, and analytics generated by the Services (“Outputs”) constitute algorithmic data processing and statistical correlation. Outputs do not constitute:

• Investment advice or recommendations

• Financial advice or planning

• Legal advice or opinions

• Tax advice or planning

• Credit ratings or credit opinions

• Any other form of professional advice

No fiduciary, advisory, professional, or agency relationship is created between you and CredCore by your access to or use of the Outputs.

2. Mandatory Human-in-the-Loop Verification

User acknowledges that the Services employ AI, large language models, and machine learning systems. AI-generated Outputs may suffer from:

• (a) Hallucinations — fabrication of facts, clauses, citations, or data points that do not exist in source documents;

• (b) Context-window limitations — inability to process all relevant information from large documents;

• (c) Algorithmic bias — systematic errors from training data or model architecture;

• (d) Misinterpretation — incorrect parsing of complex legal or financial nuance;

• (e) Staleness — reliance on data that may not reflect current conditions or amendments.

User agrees to implement a “Human-in-the-Loop” protocol, mandating that qualified professionals independently verify all AI-generated Outputs against original source documents prior to use in any financial, lending, investment, or corporate decision.

3. No Warranty

To the maximum extent permitted by applicable law, the Services and Outputs are provided “as is” and “as available.” CredCore disclaims all warranties, express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, accuracy, completeness, and non-infringement.

4. Algorithmic Variance and No Duty to Update

AI systems are probabilistic and non-deterministic. Identical inputs may yield different Outputs over time. CredCore may update, modify, or replace its underlying models and third-party providers without notice.

CredCore assumes no obligation to monitor, update, refresh, or correct past Outputs in the event of subsequent document amendments, waivers, refinancings, market shifts, or model updates. Users are solely responsible for determining whether previously generated Outputs remain current.

The Outputs may incorporate third-party data. CredCore does not independently verify third-party data and disclaims all liability for errors therein.

5. User Responsibilities

You are solely responsible for decisions taken based on the Outputs. You must:

• (a) Independently verify all Outputs before relying on them;

• (b) Obtain independent professional advice before making any decision;

• (c) Exercise your own independent judgment;

• (d) Ensure your use complies with all applicable laws in your jurisdiction.

6. Limitation of Liability

In no event shall CredCore be liable for any: (a) loss of profits, revenue, or investment capital; (b) loss of data or business interruption; or (c) indirect, incidental, exemplary, punitive, or consequential damages arising from use of or reliance upon the Outputs, even if advised of the possibility of such damages.

CredCore’s total aggregate liability shall not exceed the amounts paid by User to CredCore in the twelve (12) months preceding the claim.

This limitation applies to the fullest extent permitted by law, except in cases of gross negligence or intentional misconduct. Nothing herein excludes liability for (a) death or personal injury caused by negligence; (b) fraud; or (c) any liability that cannot be excluded under applicable law. User acknowledges that CredCore has set its prices in reliance upon this allocation of risk.

7. Regulatory Status

CredCore is not registered with the SEC, FCA, CSA, ESMA, or any other regulatory authority. User is solely responsible for ensuring its use of the Services complies with all applicable financial regulations, including the Investment Advisers Act of 1940, FSMA 2000, MiFID II, and equivalents.

8. No Solicitation; Forward-Looking Statements

Nothing in the Outputs constitutes an offer, solicitation, or recommendation regarding any security or financial product. AI Outputs may contain forward-looking statements — these are algorithmic extrapolations, not guarantees.

9. Data Protection and Privacy

Use of the Services is subject to the CredCore Privacy Policy, incorporated herein by reference.

• EEA & UK: GDPR and UK GDPR. See Privacy Policy for data processing details and data subject rights.

• Canada: PIPEDA and applicable provincial legislation.

• United States: CCPA/CPRA as applicable.

Unless prohibited by a superseding MSA, User grants CredCore a right to use anonymized, aggregated interaction data to improve its algorithms. CredCore will not use PII or documents designated confidential under an NDA/MSA for model training without written consent.

10. AI Transparency and EU AI Act

CredCore acknowledges that certain AI features may be classified as “High-Risk” under Annex III of the EU AI Act (Regulation (EU) 2024/1689). CredCore maintains human oversight, accuracy monitoring, bias mitigation, and a publicly available AI System Transparency Card. EU users must review the Transparency Card before relying on Outputs.

11. Indemnification

User agrees to indemnify CredCore against claims arising from: (a) violation of this Disclaimer; (b) reliance on Outputs for lending, investment, or corporate decisions; (c) claims by User’s clients, investors, or LPs; (d) infringement of third-party rights.

12. Governing Law and Dispute Resolution

Governed by New York law. Disputes resolved by binding AAA arbitration in New York County. User waives class action and jury trial rights.

Savings clause: Where mandatory arbitration is prohibited by local law in a B2B context, parties submit to New York County courts.

International users: Nothing herein overrides mandatory local protections that cannot be waived by contract, including UCTA 1977 (UK), GDPR and EU AI Act (EU), and PIPEDA (Canada).

13. Order of Precedence

If User has an executed MSA with CredCore, the MSA governs in case of conflict with Sections 6, 9, and 12.

14. Severability

Invalid provisions are modified to minimum extent necessary or severed. Remaining provisions survive.

15. Modifications

CredCore may modify this Disclaimer at any time. Material changes communicated via platform notification. Continued use constitutes acceptance. MSA provisions override conflicting modifications (Section 13).

16. Contact

CredCore Inc., 750 Lexington Avenue, New York, NY 10022

security@credcore.com