LAST UPDATED: 2025-01-10 GENERAL TERMS OF USE Please review these Terms of Use (“Terms”) before using this website or accessing any data on it. If you do not agree to these Terms without limitation or exclusion, you should exit this website. INTRODUCTION We at Inqoob Inc. (“we,” or “us”) welcome you to use the website located at: o-key.ai and any other websites through which we make the Platform available (“Site” or “Platform”). These Terms set forth the legally binding terms and conditions which are applicable to your use of the Site. Please be reminded that the Terms constitute an agreement between you and us and define the rights and responsibilities that you have with respect to the Site. Therefore, we encourage you to carefully familiarize yourself with the Terms. By registering on the Site, clicking “I accept” or a similar button, or installing, accessing, or using the Site, you confirm that you have read and understood the Terms and any other documents referred to in them, including our Privacy Policy, and that you agree to be bound by the Terms. You represent and warrant that you have the right, authority, and capacity to accept these Terms and to abide by them, and that you have fully read and understood the Terms without any impairment in judgment resulting from (but not limited to) mental illness, intoxication, medication, or any other health or other problem that could impair judgment. Your use of the Site constitutes your acceptance of the Terms. Consequently, if you do not accept or understand the Terms, please do not use, access, or register on the Site. If your agreement to these Terms is required in connection with usage of the Site, and you do not agree to these Terms, you are not entitled to use the Site, in which case you must promptly uninstall and delete all copies of it. Changes to These Terms From time to time, we may modify or amend the Terms. If we do so, we will post such modifications or changes in the Site. If you continue to use the Site following such a posting, you accept all such changes and modifications. Legal Terms The Platform is governed by the following legal documents: • These Terms • Privacy Policy, available at o-key.ai • Affiliate Program, available at o-key.ai ACCESS AND USE OF THE SERVICE Description of Services: The services are software accessed over the internet and via mobile devices for the purpose of sharing, updating, storing, accessing and otherwise using your own contact information and the contact information of other people in your network (“Services”).

Your Registration Obligations: You are required to register with Site in order to access and use the Service. If you choose to register for the Service, you agree to provide and maintain true, accurate, current and complete information about yourself as prompted by the Service's registration form. Registration data and certain other information about you are governed by our Privacy Policy. If you are under 13 years of age, you are not authorized to use the Service. In addition, if you are under 18 years old, you may use the Service only with the approval of your parent or guardian. Security of your account: You agree to be responsible for any act or omission of any users that access the Services under your account. You agree to immediately notify us of any breach of security of which you become aware. Access to the Service: You are responsible for obtaining and maintaining any equipment and ancillary services needed to connect to, access or otherwise use the Service. You are responsible for ensuring that such equipment and services are compatible with the Service, and, to the extent applicable, the Software (as defined below), and complies with all configurations and specifications set forth in our published policies then in effect. Modifications to the Service: we reserve the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that Inqoob Inc. will not be liable to you or to any third party for any modification, suspension or discontinuance of the Service. General Practices Regarding Use and Storage: You acknowledge that Inqoob Inc. may establish general practices and limits concerning use of the Service, including without limitation the maximum period of time that data or other content will be retained by the Service and the maximum storage space that will be allotted on Inqoob Inc. servers on your behalf. You agree that Inqoob Inc. has no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded by the Service. You acknowledge that Inqoob Inc. reserves the right to terminate accounts that are inactive for an extended period of time. You further acknowledge that Inqoob Inc. reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice. Mobile Services: The Service includes certain services that are available via a mobile device, including (i) the ability to upload content to the Service via a mobile device, (ii) the ability to browse the Service and the Site from a mobile device and (iii) the ability to access certain features through an application downloaded and installed on a mobile device (collectively, the “Mobile Services”). To the extent you access the Service through a mobile device, your wireless service carrier's standard charges, data rates and other fees may apply. In addition, downloading, installing, or using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices. ELIGIBILITY; ACCOUNT REGISTRATION; REPRESENTATIONS Eligibility You must be at least eighteen (18) years of age to use the Site. Moreover, you represent and warrant that you will use the Site in compliance with all applicable laws and regulations. Use of the Site is unauthorized in any jurisdiction where the Site or any part of it may violate any laws or regulations. You agree not to access or use the Site in such jurisdictions. Registration Process In order to access certain features of the Platform, you can create an account (“Account”). You may register to join the Platform directly via the Site using the link at the top of any page or as otherwise described in this section. You may also be able to register to join by logging into your account with certain third-party social networking sites (“SNS”), including, but not limited to, Facebook, Google, Telegram, and Instagram (“Third-Party Account”). As part of the functionality of the Platform, you may be able to link your Account with Third-Party Accounts, by either providing your Third-Party Account login information to us through the Platform; or allowing us to access your Third-Party Account, as is permitted under the applicable terms and conditions that govern your use of each Third-Party Account. You represent that you are entitled to disclose your Third-Party Account login information to Inqoob Inc. and/or grant Inqoob Inc. access to your Third-Party Account (including, but not limited to, for use for the purposes described herein), without breach by you of any of the terms and conditions that govern your use of the applicable Third-Party Account and without obligating Inqoob Inc. to pay any fees or making Inqoob Inc. subject to any usage limitations imposed by such third party service providers. By granting Inqoob Inc. access to any Third-Party Accounts, you understand that Inqoob Inc. may access, make available, and store (if applicable) any Content that you have provided to and stored in your Third-Party Account (“SNS Content”) so that it is available on and through the Platform via your Account. You agree that Inqoob Inc. may request your email address, access to photos; friends list to help verify your identity; share your updates and photos; and to be contacted by us. Unless otherwise specified in these Terms, all SNS Content, if any, will be considered to be User Content for all purposes of these Terms. Depending on the Third-Party Accounts you choose and subject to the privacy settings that you have set in such Third-Party Accounts, personally identifiable information that you post to your Third-Party Accounts may be available on and through your Account on the Platform. Please note that if a Third-Party Account or associated service becomes unavailable or ours access to such Third-Party Account is terminated by the third-party service provider, then SNS Content may no longer be available on and through the Platform. You have the ability to configure certain portions of the connection between your Account and your Third-Party Accounts, at any time, by accessing the “User Profile” section of the Platform. Inqoob Inc. makes no effort to review any SNS Content for any purpose, including but not limited to, for accuracy, legality, or non-infringement and Inqoob Inc. is not responsible for any SNS Content. We will create your Account for your use of the Platform based upon the personal information you provide to us or that we obtain via an SNS as described above. PLEASE NOTE THAT YOUR RELATIONSHIP WITH THE THIRD-PARTY SERVICE PROVIDERS ASSOCIATED WITH YOUR THIRD-PARTY ACCOUNTS IS GOVERNED SOLELY BY YOUR AGREEMENT(S) WITH SUCH THIRD-PARTY SERVICE PROVIDERS. Registration Data; Account Security; Verification In consideration of your use of the Platform, you agree to: (a) provide accurate, current and complete information about you (“Registration Data”); (b) maintain the security of your password and identification; (c) maintain and promptly update the Registration Data, keep it accurate, current, and complete; and (d) be fully responsible for all use of your account and for any actions that take place using your account. Notwithstanding the above, for transparency and fraud prevention purposes, and as permitted by applicable laws, we may, but have no obligation to (i) ask Users to provide a form of government identification or other information or undertake additional checks designed to help verify the identities or backgrounds of Users, (ii) screen Users against third party databases or other sources and request reports from service providers, and (iii) where we have sufficient information to identify a User, obtain reports from public records of criminal convictions or sex offender registrations or an equivalent version of background or registered sex offender checks in your local jurisdiction (if available). User Representations and Warranties You represent, warrant, and agree that no materials of any kind submitted through your account or otherwise posted or shared by you through the Platform or in connection with the use of the Platform will violate or infringe upon the rights of any third party, including copyright, trademark, privacy, publicity, or other personal or proprietary rights; or contain libelous, defamatory, fraudulent, or otherwise unlawful material. You further agree not to harvest or collect email addresses or other contact information of Users from the Platform by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications. Additionally, you agree not to use automated scripts to collect information from the Site or for any other purpose. You further agree not to interfere with or try to disrupt the Site, for example by distributing a virus or other harmful computer code. You further agree that you may not use the Site in any unlawful manner or in any other manner that could damage, disable, overburden or impair Inqoob Inc.. In addition, you agree not to use the Site to: (a) upload, share, store or otherwise make available any content that we deem to be harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or racially, ethnically or otherwise objectionable; (b) except where authorized by Inqoob Inc., register for more than one User account, register for a User account on behalf of an individual other than yourself, or register for a User account on behalf of any group or entity; (c) impersonate any person or entity, or falsely state or otherwise misrepresent yourself; (d) upload, share or otherwise make publicly available on the Platform any private information of any third party, including, without limitation, phone numbers, email addresses, and photographs; (e) upload, post, transmit, share or otherwise make available any material that contains software viruses or any other malicious or tracking computer code, files or programs designed to track, interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment; (f) upload, share, store, or otherwise make available content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law; (g) use or attempt to use another User’s account, service or system without authorization from that person and Inqoob Inc., or create a false identity on the Platform; or (h) upload, post, transmit, share, store or otherwise make available content that, in the sole judgment of Inqoob Inc., is objectionable or which restricts or inhibits any other person from using or enjoying the Site, or which may expose Inqoob Inc. or its Users to any harm or liability of any type. User Content Posted on the Site We wish to remind you that you are solely responsible for the personal information, photos, and contact information that you upload, publish, provide, or display on the Site. Similarly, your use of, or reliance on, any material or content posted on the Site is at your own risk. INTELLECTUAL PROPERTY License to Site These Terms confer only the right to use the Site while these Terms and the specified licenses are in effect, and they do not convey any rights of ownership in or to the Site. All rights, title, and interest, including any copyright, patent, trade secret, or other intellectual property rights in the Site (“Our Content”) will remain our sole property. The copy of the Site is licensed, not sold, to you. You agree that we and our licensors own all rights, title, and interest in and to the Site, including all intellectual property rights in it. You agree not to delete or in any manner alter the copyright, trademark, or other proprietary rights notices or markings that may appear on the Site. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, revocable, non-assignable, and non-sublicensable license to access and use the Site solely for your personal, non-commercial use on any authorized device you own and control. We reserve all rights in the Site not expressly granted to you in these Terms. Except as expressly specified in these Terms, you may not: (a) copy, modify, or create derivative works of the Site, including adaptations or modifications to the Site; (b) sell, rent, lease, distribute, transfer, sublicense, lend, or otherwise assign any rights to the Site to any third party; (c) disassemble, decompile, reverse-engineer, or attempt to derive the source code of the Site or permit a third party to do so, except to the extent such activities are expressly permitted by law. You agree to comply with any technical restrictions in the Site that allow you to use the Site only in certain ways. We are not obliged to maintain or support the Site, to provide any specific content through the Site, or to provide you with updates, upgrades, or services related to the Site. You acknowledge that we may in our sole discretion issue updates to the Site, disable access to the Site for any period of time or permanently, and automatically update the version of the Site that you are using on your device. You consent to such automatic updating on your device, and agree that these Terms will apply to all such updates, unless such update is accompanied by a separate license, in which case the terms of that license will govern. You acknowledge and agree that we shall have no liability to you arising out of any unavailability of the Site. The license to the Site granted under these Terms remains in effect until terminated by you or us. You may terminate the license at any time by destroying all copies of the Site in your possession or control. Without prejudice to any other terms set forth in these Terms, the license will automatically terminate without notice from us if you in any way breach any provision of these Terms. Upon termination in accordance with these Terms for any reason, you must cease all use of the Site and promptly delete and destroy all copies of the Site. Your termination of the license for any reason shall not release you from any liabilities or obligations set forth in these Terms which (a) have expressly been stated as surviving any such termination or expiration, or (b) remain to be performed, or by their nature would be intended to be applicable following any such termination or expiration. FEES By accessing the Site through your device, your internet provider may charge fees for the use of the Site. You are solely responsible for the payment of all such fees, such as internet service provider or airtime charges. Use of the Site is free. You agree to pay Inqoob Inc. the fees corresponding to the particular Inqoob Inc. Services ordered, as set forth from time to time on the Site (“Fees”), in accordance with the payment terms set out therein. Such Fees are exclusive of all applicable taxes in any relevant jurisdiction and you shall be responsible for the payment of all such validly levied taxes, specifically excluding all and any taxes accruing on the basis of Inqoob Inc.’s income which shall remain the responsibility of Inqoob Inc.. You acknowledge that all Fees due hereunder are payable in advance and that any delay or failure on the part of you to pay the agreed Fees by the due date for payment shall enable Inqoob Inc., without further notice, to suspend the Inqoob Inc. Services or terminate this Agreement in accordance with its terms. COPYRIGHT INFRINGEMENT We respect the intellectual property rights of others. We will respond expeditiously to claims of copyright infringement using guidelines and procedures set forth in Section 512 of the Digital Millennium Copyright Act of 1998 (“DMCA”). If you see any material on the Site that in your good faith belief may infringe someone’s copyright, you may notify us by emailing us at my.okey.official@gmail.com with “Copyright” in the subject line. In order for it to be effective, your notice, also known as a takedown notice, must include the following information: (a) The identity of the original copyrighted work that you claim is infringed or – if your notice covers multiple copyrighted works ­– you may provide a representative list of the copyrighted works that you claim have been infringed; (b) A sufficiently detailed description of the content on the Site that you claim infringes the copyrighted work; (c) Your contact information, including your full name, mailing address, telephone number, and email address, if available; (d) A statement that you believe in good faith that the use of the allegedly infringing content on the Site is not authorized by the copyright owner, its agent, or the law; (e) This statement: “I swear, under penalty of perjury, that the information in this notification and complaint is accurate and that I am the copyright owner, or am authorized to act on behalf of the copyright owner, of an exclusive right that is infringed”; and (f) A physical or electronic signature of the copyright holder or a person authorized to act on his or her behalf. Moreover, if you believe your work was erroneously removed due to an incorrect claim of copyright ownership, you may provide us a written counter-notice. When we receive your counter-notice, we may, in our discretion, reinstate the material in question in not fewer than 10 nor more than 14 days after we receive the counter-notice, unless we first receive notice from the original complaining party who filed the infringement notice that it has filed a legal action to restrain the allegedly infringing activity. To provide a counter-notice to us, you may email us at my.okey.official@gmail.com. Please note that if you provide a counter-notice, in accordance with the terms of the DMCA, the counter-notice will be given to the original complaining party that filed the infringement notice. To be effective, a counter-notice must contain substantially all of the following information: (a) Identification of the material that has been removed or to which access has been disabled in the Site and the location at which the material appeared before it was removed or access to it was disabled; (b) Your name, address, telephone number and, if available, email address; (c) Include both of the following statements in the body of the Notice: “I hereby state under penalty of perjury that I have a good-faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled.” “I hereby state that I consent to the jurisdiction of the Federal District Court for the judicial district in which my address is located or, if my address is outside of the United States, for any judicial district in which Inqoob Inc. may be found, and I will accept service of process from the complaining party who notified Inqoob Inc. of the alleged infringement or an agent of such person.” (d) Provide your full legal name and your electronic or physical signature. PROHIBITED ACTIVITIES The list below contains examples of behaviors that are prohibited in the Site: (a) Impersonating another person or entity; (b) Accessing or using the Site in an unlawful way or for any unlawful purpose; (c) Transmission of any data, materials, content or information which is libelous, defamatory, obscene, fraudulent, false or contrary to the ownership or intellectual property rights of any other person, or otherwise unlawful; (d) Transmission of viruses, malware, or other malicious code in the Site; (e) Modification, reverse-engineering, or other manipulation of the Site; and (f) Interfering with, or disrupting, the Site. In order to ensure the integrity of the Site, we reserve the right at any time in our sole discretion to block users with certain unique device identifiers from accessing the Site. CUSTOMER/PERMITTED-USER REQUIREMENTS & CONDUCT You shall ensure that neither it nor any Permitted Users will, in connection with their use of the Inqoob Inc. Services, upload, share, or otherwise distribute any electronic data, text, messages or other materials, including personal data of such Permitted User (“Service Data”) in violation of Acceptable Use. Inqoob Inc. reserves the right, in its sole discretion, to remove any Service Data that, in its good faith judgment, fails to comply with the terms of this Agreement, any other rules of user conduct, or is otherwise harmful, objectionable, or inaccurate. Inqoob Inc. shall not be responsible for any failure or delay in removing such content or any business consequences of removing same. PRIVACY AND SECURITY Your privacy and the protection of personal data about you are very important to us. For a detailed description of how we collect and use personal data about you, please see our Privacy Policy and familiarize yourself with the choices you can make about the way in which we collect and use personal data about you. In addition to what is stated in the Privacy Policy, you agree not to: (a) Engage in unauthorized collection of users’ content or information or otherwise access the Site by automated means (including using so-called bots or scrapers) without an authorization from us; (b) Reveal any personal data related to another individual, including a person’s address, phone number, email address, credit card number or any information that may otherwise be used to track, contact or impersonate another individual; (c) Use a username that is the name of another person and intending to impersonate that person; or (d) Provide any false personal data to us or create any user account for anyone other than yourself without such person’s permission. Moreover, by using the Site, you consent and agree to the collection and use of certain information about you and your use of the Site in accordance with our Privacy Policy and applicable laws and regulations related to personal data. Please be reminded that you must protect any passwords or other credentials associated with your account for the Site and take full responsibility for any use of the account under your password. MISCELLANEOUS TERMS The Site Is Available “AS-IS” Your access to and use of the Site is at your own risk. You understand and agree that the Site is provided to you on an “AS IS” and “AS AVAILABLE” basis. Without limiting the foregoing, OUR AFFILIATES AND WE DISCLAIM ANY WARRANTIES, EXPRESS OR IMPLIED, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. We make no warranty and disclaim all responsibility and liability for the completeness, accuracy, availability, timeliness, security or reliability of the Site or any content in the Site. We will not be responsible or liable for any harm to your computer system, loss of data, or other harm that results from your access to or use of the Site. Moreover, you agree that we do not have responsibility or liability for the deletion of, or the failure to store or to transmit, any material or content and other communications maintained in the Site. We make no warranty that the Site will meet your requirements or be available on an uninterrupted, secure, or error-free basis. No advice or information, whether oral or written, obtained from the Site or our representatives, will create any warranty not expressly made in these Terms. Links to Third-Party Websites The Site may contain links to websites owned or operated by third parties. Such links are provided for informational purposes only. We are not responsible for any such third-party websites and do not have control over any materials or content made available therein. Our inclusion of a link to a third-party website in the Site does not in any way imply our endorsement, advertising, or promotion of such websites or any materials or content made available there. By accessing a third-party website, you accept that we do not exercise any control over such websites or their content. We have no responsibility for the content of any third-party website. We encourage you to familiarize yourself with the terms of service applicable to any third-party website you may access. Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF DATA, LOSS OF USE, LOSS OF ANTICIPATED SAVINGS; ACCRUED BUT WASTED EXPENDITURE; COST OF PROCUREMENT OF SUBSTITUE GOODS OR SERVICES, LOSS OF GOODWILL; OR OTHER INTANGIBLE LOSSES RESULTING FROM (i) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SITE; (ii) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SITE, INCLUDING ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES; (iii) ANY CONTENT OBTAINED FROM THE SITE; AND (iv) UNAUTHORIZED ACCESS, USE OR ALTERATION OF ANY MATERIAL OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE. IN SOME JURISDICTIONS THE APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES, OUR LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. IN ALL CASES OUR MAXIMUM LIABILITY IS LIMITED TO ANY FEES PAID BY YOU TO US. Indemnity You agree to indemnify and hold us harmless from any claim or demand, including attorney’s fees, made by any third party due to or arising out of your breach of these Terms, or your violation of any law or the rights of a third party. Nothing in these Terms shall be deemed to exclude or limit your liability in respect of any indemnity given by you under these Terms. Waiver and Severability Our failure to exercise any rights under these Terms shall not constitute or be deemed a waiver or forfeiture of such rights or a waiver or forfeiture of such rights in the future. In the event that any provision of these Terms is held to be invalid or unenforceable by a court or tribunal of competent jurisdiction for any reason, the remaining provisions of these Terms will remain in full force and effect. Governing Law and Resolution of Disputes BY USING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND US. (a) In this Arbitration Section: (i) “You” and “your” mean the individual or legal entity entering into these Terms, as well as any person claiming through such individual; (ii) “We” and “us” means Inqoob Inc., its affiliates, and each of their respective parents, subsidiaries, affiliates, predecessors, successors, and assigns, as well as the officers, directors, and employees of each of them; (iii) “Claim” means any dispute, claim, or controversy (whether based on contract, tort, intentional tort, constitution, statute, ordinance, common law, or equity, whether pre-existing, present, or future, and whether seeking monetary, injunctive, declaratory, or any other relief) arising from or relating to these Terms or the relationship between us and you (including claims arising prior to or after the date of the Terms, and claims that are currently the subject of purported class action litigation in which you are not a member of a certified class), and includes claims that are brought as counterclaims, crossclaims, third party claims or otherwise, as well as disputes about the validity or enforceability of these Terms or the validity or enforceability of this Arbitration Section. (b) Any Claim will be resolved by binding arbitration administered by the American Arbitration Association or JAMS, under the applicable arbitration rules of the administrator in effect at the time a Claim is filed (“Rules”). Any arbitration under these Terms will take place on an individual basis; class arbitrations and class actions are not permitted. You can obtain the Rules and other information about initiating arbitration by contacting the American Arbitration Association at 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org. The address for serving any arbitration demand or claim on us is Inqoob Inc., 228 Park Ave, Pmb 85451, New York, NY 10003, USA, Attention: Privacy., Attention: Legal. (c) Claims will be arbitrated by a single, neutral arbitrator, who will be a retired judge or a lawyer with at least ten years’ experience. (d) Any in-person arbitration hearing will be held in the city with the federal district court closest to your residence, or in such other location as you and we may mutually agree. The arbitrator will apply applicable substantive law consistent with the Federal Arbitration Act, 9 U.S.C. §§ 1-16, and, if requested by either party, provide written reasoned findings of fact and conclusions of law. The arbitrator will have the power to award any relief authorized under applicable law. Any appropriate court may enter judgment upon the arbitrator’s award. The arbitrator’s decision will be final and binding except that: (1) any party may exercise any appeal right under the FAA; and (2) any party may appeal any award relating to a claim for more than $100,000 to a three-arbitrator panel appointed by the administrator, which will reconsider de novo any aspect of the appealed award. The panel’s decision will be final and binding, except for any appeal right under the FAA. (e) YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and we agree otherwise in writing, the arbitrator may not consolidate more than one person’s claims. The arbitrator will have no power to arbitrate any Claims on a class action basis or Claims brought in a purported representative capacity on behalf of the general public, other borrowers, or other persons similarly situated. The validity and effect of this paragraph (e) will be determined exclusively by a court, and not by the administrator or any arbitrator. (f) If any portion of this Arbitration Section is deemed invalid or unenforceable for any reason, it will not invalidate the remaining portions of this section. The terms of this Arbitration Section will prevail if there is any conflict between the Rules and this section. (g) YOU AND WE AGREE THAT, BY ENTERING INTO THESE TERMS, THE PARTIES ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. YOU AND WE ACKNOWLEDGE THAT ARBITRATION WILL LIMIT OUR LEGAL RIGHTS, INCLUDING THE RIGHT TO PARTICIPATE IN A CLASS ACTION, THE RIGHT TO A JURY TRIAL, THE RIGHT TO CONDUCT FULL DISCOVERY, AND THE RIGHT TO APPEAL (EXCEPT AS PERMITTED IN PARAGRAPH (d) OR UNDER THE FEDERAL ARBITRATION ACT). (h) You and we acknowledge and agree that the arbitration agreement set forth in this Arbitration Section is made pursuant to a transaction involving interstate commerce, and thus the Federal Arbitration Act will govern the interpretation and enforcement of this Arbitration Section. This Arbitration Section will survive the termination of these Terms. (i) In the event that a dispute does not proceed to arbitration, these Terms and all other aspects of your use of the Site will be governed by and construed in accordance with the laws of the United States and, to the extent applicable, to the laws of the State of New York, without regard to its conflict-of-laws principles. You agree that you will notify us in writing of any claim or dispute concerning or relating to the Site and the information or services provided through it, and give us a reasonable period of time to address it before bringing any legal action, either individually, as a class member or representative, or as a private attorney general, against us. Contact If you have any questions about these Terms, please contact us at my.okey.official@gmail.com, or by mail at Inqoob Inc., 228 Park Ave, Pmb 85451, New York, NY 10003, USA. Term and Termination We reserve the right to discontinue offering the Site or to update the Site at any time in our sole discretion and without notice. Notwithstanding anything contained in these Terms to the contrary, we may also, in our sole discretion, terminate or suspend your access to the Site at any time. Following termination, all such terms that by their nature may survive termination of these Terms shall be deemed to survive such termination.

PRIVACY POLICY INTRODUCTION This Privacy Policy explains how Inqoob Inc. (“we”) collects, uses, shares, and otherwise processes your personal data and your rights regarding your personal data. We provide you with our website o-key.ai (“Service”). When you use our Service or interact with us in any way (for example, by communicating via email), you may provide us with your personal data. This Privacy Policy explains how we handle and protect your personal data. “Personal data” means information that relates to, describes, or identifies you. This could include your name, date of birth, or email. This Privacy Policy applies to your use of our Service. Your access or use of the Service means that you agree with this Privacy Policy. WHAT INFORMATION WE MAY COLLECT Information You Provide to Us When you use or access the Service, create an account, send a message to us, participate in activities on the Service, you may input personal data into the Service. We collect the following categories of data that you voluntarily provide to us: (a) Profile Information, such as full name, username, date of birth, email, mailing address, telephone number, credit card information, or billing name and billing address. (b) Other Information that you enter, post, send, or submit to our Service (photos, audios, and videos, account settings, account passwords, third-party service username and password used to sign into the Service, or information contained in the communications that you send to us (by email, mail, or in any other form). Information Collected from Third Parties We may receive information about you from other users, third-party services, public social media platforms, or public databases. For example, social media platforms may display your mailing address, email, or phone number. Information Collected Automatically Certain information is collected automatically when you use or visit our Service. This information does not reveal your identity (such as your name or contact information) but may include information about your device, its use, and other technical information. This information helps us maintain security, ensure optimization of the Service for your needs, and facilitate customer support. The tracking technologies we use to collect this information include cookies, web beacons, Flash cookies, embedded scripts, location-identifying technologies, pixels, and other similar technologies. The tracking technologies automatically collect the following categories of data: (a) Browser data: information that your browser automatically sends when you use the Service. It includes IP address, browser type, browser language, settings, and the Service usage patterns. (b) Device data: information about the device you use, such as device type, model and manufacturer, device operating system brand and model, device hard disk drive, operating system version, and information regarding the location of your device. (c) Usage data: information about your use of the Service. It includes patterns, time, and date of your use of the Service. (d) Analytics data: general information about traffic and usage trends for the Service. PURPOSES FOR WHICH We Use Personal Data We use the personal data collected through our Service to: (a) provide the Service to you, create and maintain your account, verify your identity, process transactions, and provide customer support; (b) improve the Service for you, identify activity patterns and usage trends; (c) communicate with you, send you emails, including confirmations and reminders, respond to your requests for assistance, or report on technical issues; (d) update you about changes to the Service, send messages about new features, or promotions, that may interest you; or (e) maintain safety and security, detect, prevent, and respond to potential or actual security incidents, and protect against other illegal activities. HOW WE DISCLOSE PERSONAL DATA Disclosure of Personal Data to Third Parties We do not sell, share, or otherwise disclose your personal data, but in the following circumstances, we may share your personal data with the following third parties: (a) Public authorities and third parties when law or government order requires us to do so, or when we need to protect our rights, protect users’ rights, or prevent crime. (b) Our subsidiaries, affiliates, and co-owners. We may also disclose personal data to operators of the Service, subsequent owners, and their advisors, in connection with a merger, reorganization, sale of our assets, or other change of control. (c) Service providers, when they need access to your personal data to perform services for us, such as web hosting, debugging services, payment processing, email and productivity services, survey providers, and customer service providers. (d) Advertisers, if general information can help them better understand our users. We do not share information that identifies who you are (such as name or email address). We may provide general information, such as that an ad was seen by a woman between the ages of 25 and 34 who lives in Zagreb and likes jazz. This information allows us to optimize our advertising efforts, and advertisers are prohibited from using this information for any other purpose. Disclosure of Anonymous Information We may disclose anonymous information to any third party without notification. “Anonymous information” means information which does not allow the identification of an individual user, such as aggregated, anonymized, or de-identified information about the use of our services. Such information does not constitute personal data. YOUR RIGHTS TO PERSONAL DATA You have the following rights to your personal data: (a) The right to know what data we have about you. To exercise this right, please contact us at my.okey.official@gmail.com. (b) The right to correct, delete, or update your personal data. You can access and modify personal data through your account or settings sections of the Service. If you need assistance, please contact us at my.okey.official@gmail.com. Please note, sometimes we may not be able to modify or delete information. For example, we are required by law to keep certain information for a defined period. (c) The right to opt out of receiving electronic marketing communications from us. We may periodically send you emails and messages promoting the use of the Service. You can opt out (unsubscribe) of these messages by following the instructions included in each email or message. If you have any additional questions, please contact us at my.okey.official@gmail.com. PERSONAL DATA OF CUSTOMERS FROM CALIFORNIA If you are a California resident, you have specific rights towards your personal data. (a) You can request that we delete any personal data we have collected. But we may not be required to comply with your request if it is necessary for us to maintain your personal information for the reasons provided under California Civil Code Section 1798.105(d). (b) You have the right to request in writing a list of: (i) categories of personal data we have collected in the preceding 12 months; (ii) categories of sources from which your personal data is collected; (iii) business or commercial purposes for collecting your personal data; (iv) categories of third parties with whom we have shared your personal data in the preceding 12 months; and (v) specific pieces of personal data we have collected about you during the preceding 12 months. (c) You have the right not to be discriminated against for exercising any of the rights described in this section. We will not discriminate against you for exercising your right to know what data we have about you, or right to delete your personal data. If you have any questions, please contact us at my.okey.official@gmail.com. Only you are entitled to make a verifiable consumer request related to your personal data. To verify your identity, we may ask you to verify personal data we already have on file for you. We may ask you to provide your name, email address, and certain other pieces of identifying information. We do not sell your personal information to facilitate or enable third parties to advertise to you. We do not sell the personal data of minors under the age of 18. DATA SECURITY We have put in place security measures to protect your personal data from misuse, unauthorized access, disclosure, alteration, and destruction. We maintain appropriate administrative, technical, and physical safeguards. This includes firewalls, password protection, and other authentication controls. In addition, browsing mode for the Service is protected by encryption technology. However, security on the internet can never be 100% guaranteed. We will take reasonable technical and organizational precautions to protect your personal data. INTERNATIONAL TRANSFERS OF PERSONAL DATA We store and process information in the United States. We, our affiliates, or service providers can maintain facilities in any other country. The information collected about you could be transferred and processed in any of these facilities. Laws governing data collection and transfer may differ from the U.S. law in the European Union and other countries. You agree to the transfer of personal data to any country in which we, our affiliates, or service providers maintain facilities. CHILDREN’S PRIVACY You must be at least 18 years of age to register with and use the Service. The Service is not for the use of children under 18. We do not intend to collect personal data from children under 18. CHANGES TO THE PRIVACY POLICY This Privacy Policy can be updated from time to time. Please check back periodically for the latest version of the Privacy Policy. If there are any significant changes made to the use of your personal data, we will notify you. Your use of the Service following any changes to this Privacy Policy constitutes your acceptance of any such changes. QUESTIONS OR CONCERNS? If you have any questions about this Privacy Policy, your privacy, or the protection of the personal data we hold about you, you can contact us at my.okey.official@gmail.com, or by mail at Inqoob Inc., 228 Park Ave, Pmb 85451, New York, NY 10003, USA, Attention: Privacy.

LAST UPDATED: 2025-02-20 AFFILIATE PROGRAM TERMS AND CONDITIONS (Updated for Beta Release) Welcome to the O-Key.ai Affiliate Program! This document outlines the terms and conditions governing the program, including pre-start and post-launch phases. By participating, you agree to adhere to these terms. 1. OVERVIEW OF THE AFFILIATE PROGRAM The O-Key.ai Affiliate Program is designed to reward individuals and organizations for promoting our platform. Participants can earn commissions by referring users to register and subscribe to our services. The program operates in 3 phases: • Pre-Start Phase (January 15, 2025 – February 15, 2025): Limited functionality tailored for agency leaders. • Beta Release Phase (February 20, 2025 – April 20, 2025): Test functionality with a subscription model. • Full Launch Phase (From April 20, 2025 onward): Full platform access and affiliate tools. 2. PRE-START PHASE (JANUARY 15, 2025 - FEBRUARY 19, 2025) Eligibility. This phase is exclusively for agency leaders who have signed a finders’ fee agreement with Inqoob Inc. Features and Functionality. Participants will gain access to a personal account with the following capabilities: • Generate Referral Links: Create unique links to invite team members. • Team Analytics: Track team registrations and referrals under your structure. Note. Application functionality will not be available during the pre-start phase. Objective. Build your referral team before the full platform launch on February 20, 2025. 3. BETA RELEASE PHASE (FEBRUARY 20, 2025 – APRIL 20, 2025) 3.1. Subscription Pricing: • Monthly Subscription: $30/month • Annual Subscription: $300/year 3.2. Bonus for Pre-Launch Users: Users who subscribed before February 20, 2025, will receive an additional free month of access. 3.3. Platform Access: Users will have access to essential CRM tools, AI-powered models, client communication features (including Telegram integration), and website creation tools. 4. POST-LAUNCH PHASE (FROM APRIL 20, 2025) 4.1. Full access to affiliate tools, including referral tracking, detailed analytics, and commission management. 4.2. Expanded platform features, providing enhanced AI-driven business tools. 4.3. Commission Structure: Affiliates earn commissions for every successful referral who subscribes to O-Key.ai. 5. REGISTRATION AND SUBSCRIPTION User Registration: All users must register on the O-Key.ai platform and activate their subscription by paying $30. Personal Account: Once registered, users will gain access to their personal account, which includes: • Affiliate program tools (pre-start phase). • Full platform functionality (post-launch phase). 6. REFERRAL STRUCTURE AND REWARDS To become an affiliate partner, users must meet the following criteria: • Hold an active annual subscription ($300/year) • Complete affiliate program training Once these conditions are met, affiliates will gain access to promotional tools, training materials, and the ability to refer new users to O-Key.ai. 7. IMPORTANT DATES • January 15, 2025 – February 15, 2025: Pre-start phase with limited affiliate tools. • February 20, 2025 – Beta-release phase, test functionality with a subscription model • April 20, 2025 – Full Launch Phase with full platform access and affiliate tools. 8. TERMS AND CONDITIONS • Participation in the affiliate program is subject to compliance with these terms. • O-Key.ai reserves the right to modify the terms, features, or rewards of the affiliate program at any time. • Misuse of referral links or violation of program rules may result in suspension or termination of affiliate privileges. • Thank you for joining the O-Key.ai Affiliate Program. We look forward to building a successful partnership with you! 9. QUESTIONS OR CONCERNS? If you have any questions about this Affiliate Program, you can contact us at my.okey.official@gmail.com, or by mail at Inqoob Inc., 228 Park Ave, Pmb 85451, New York, NY 10003, USA.