Page 1 | Introduction and Scope of Application
These Terms of Service (hereinafter referred to as the “Terms”) govern how SmartCore Group Ltd (SCG) provides services to users, as well as the rights and obligations that users must abide by during their use. These Terms are legally binding on all individual or institutional users who access, register for, or use SCG products and services.

By accessing or using SCG’s services, users acknowledge that they have read, understood, and agree to be bound by these Terms. If users disagree with any of these Terms, they should immediately cease using the relevant services. SCG recommends that users review these Terms regularly to ensure they are aware of the latest rules and requirements.

These Terms apply to all products, features, and services provided by SCG, including but not limited to websites, applications, platform tools, and their subsequent expansions and updates. Users are subject to these Terms regardless of how they access the services.

SCG reserves the right to update or modify these Terms as permitted by law and will notify users through announcements or other reasonable means. Updated Terms will take effect upon posting, and continued use of the services will constitute acceptance of the modified terms.

Page 2 | Account Registration and Usage Guidelines
To use some SmartCore Group Ltd (SCG) services, users may need to create and register a personal or institutional account. Account registration and use are subject to the following guidelines:
1. Registration Requirements
Users must have full civil capacity at the time of registration, or obtain the necessary guardian consent, as permitted by applicable law. The information provided during the registration process must be true, accurate, and complete, and must not contain false, fraudulent, or misleading information.
2. Account Management
Users are responsible for properly maintaining their account information and login credentials. They may not lend, transfer, sell, or otherwise provide their account to third parties. Users are solely responsible for any losses or risks resulting from their failure to properly maintain their account information.
3. Usage Restrictions
Users may not use their accounts to engage in any illegal, infringing, or non-compliant conduct. If SCG detects any unusual activity, illegal operations, or other conduct that may compromise the security of the platform, it reserves the right to suspend or terminate the user’s account and reserves the right to pursue legal action if necessary.

By registering and using an account, users commit to complying with relevant laws and regulations and these Terms to ensure the safe and compliant operation of the service.

Page 3 | User Responsibilities and Obligations
When using SmartCore Group Ltd (SCG) services, users must comply with relevant laws and regulations and the provisions of these Terms. To ensure the legality and security of the services, users assume the following responsibilities and obligations:
1. Compliance with Laws and Policies
Users may not use SCG services to engage in any illegal, unauthorized, or infringing activities, including but not limited to money laundering, fraud, intellectual property infringement, or the dissemination of malicious content.
2. Proper Use of Services
Users must use the services in accordance with the functions and instructions provided by SCG and must not engage in any activities that may interfere with, disrupt, or circumvent system security and stability, such as attacking servers, bypassing security measures, or exploiting vulnerabilities for profit.
3. Account and Information Management
Users must properly maintain their accounts and related information and are responsible for all activities conducted under their accounts. If unauthorized use is discovered, users must take prompt action to prevent losses.
4. Honesty and Compliance Obligations
Users must maintain truthfulness, accuracy, and completeness when submitting data, uploading content, or interacting with the platform. They must not fabricate, conceal, or maliciously manipulate information.

SCG reserves the right to restrict, suspend, or terminate services if a user violates the above obligations, and will cooperate with relevant authorities to pursue legal action if necessary.

Page 4 | Service Content and Changes
SmartCore Group Ltd (SCG) is committed to providing users with professional services based on artificial intelligence, big data, and quantitative research, including asset management support, data analysis tools, market insights, and related technical solutions. The specific scope of services may be adjusted due to product upgrades or changes in the market environment.
1. Service Content
SCG’s services include, but are not limited to, account usage functions, trading support tools, risk monitoring mechanisms, and technical support related to quantitative research. Users must comply with these Terms and Conditions and relevant operating regulations during use.
2. Service Updates
To continuously improve user experience and technical capabilities, SCG may periodically update, optimize, or adjust features of its services. These updates may involve interface revisions, feature expansions, or performance improvements. Continued use after the release of an update constitutes acceptance of these changes.
3. Service Suspension or Termination
SCG reserves the right to suspend or terminate certain services if necessary (including, but not limited to, system maintenance, compliance requirements, or force majeure). If any changes materially impact user rights, SCG will provide reasonable notification.

SCG reserves the right to make changes to its services within the legally permitted scope to ensure the long-term stability and compliance of its services.

Page 5 | Fees and Payments
When using SmartCore Group Ltd (SCG) services, some features or products may incur fees. SCG will always formulate and explain these fees in a transparent and reasonable manner to ensure that users make informed choices.

1. Fees
SCG provides services that are categorized as free or paid. For services requiring payment, SCG will clearly inform users of the fee schedule and applicable scope on the relevant page or before use.

2. Payment Methods
Users must pay using any payment method supported by the platform. All payments must comply with legal and regulatory requirements, and records of completed payments will be retained as transaction receipts.

3. Taxes and Costs
Users are solely responsible for any taxes, fees, or other additional costs incurred as a result of using the services. 4. Overdue Payments and Breach of Contract
If a user fails to pay fees within the specified timeframe, SCG reserves the right to suspend or restrict access to the relevant services and, if necessary, take further action to recover the due amount.

SCG reserves the right to adjust its fee schedule based on business needs and market changes. Any fee changes will be notified to users in advance within a reasonable timeframe to ensure they are informed and have the right to choose.

Page 6 | Intellectual Property Statement
SmartCore Group Ltd (SCG) respects and protects intellectual property rights and requires users to comply with relevant laws and regulations and these Terms when using its services.
1. Platform Content and Technology
The content of the services provided by SCG, including but not limited to interface design, software programs, data models, algorithmic logic, trademarks, logos, documents, and images, is protected by intellectual property laws. Users may not reproduce, modify, disseminate, sell, or otherwise use such content in any form without SCG’s prior written permission.
2. User-Generated Content
The intellectual property rights of original content uploaded or submitted by users while using SCG services belong to the users. However, users agree to grant SCG a worldwide, transferable, royalty-free, non-exclusive right to use the content for reasonable use in providing services, optimizing products, or conducting marketing promotions.
3. Third-Party Rights
The SCG platform may contain content with the intellectual property rights of third parties. Users must not infringe upon the patents, trademarks, copyrights, or other legal rights of any third party when using the platform. 4. Infringement Handling
If a user is found to have infringed SCG or a third party’s intellectual property rights, SCG reserves the right to take measures such as removing content, suspending service, or pursuing legal action.

Through the above regulations, SCG is committed to creating a compliant, secure, and sustainable service environment for users.

Page 7 | Data and Privacy Protection
SmartCore Group Ltd (SCG) highly values ​​user privacy and data security and is committed to adhering to the principles of legality, propriety, and necessity in all data processing.

1. Data Processing Principles
User data will only be collected and processed as necessary to implement service functions, enhance user experience, meet compliance requirements, and manage risks. SCG will not use user information beyond the established scope.

2. Applicable Privacy Policy
When using the service, the collection, use, storage, and protection of users’ personal information shall be subject to both these Terms and SCG’s published Privacy Policy. In the event of any conflict between the two, the policy that better protects user rights shall prevail.
3. Data Security Measures
SCG implements multi-layered technical and management measures, including data encryption, access control, and monitoring mechanisms, to prevent unauthorized access, disclosure, alteration, or loss of data.
4. User Rights
Users have the right to request access, correction, or deletion of their personal information, subject to legal requirements, and may opt out of certain data processing activities. SCG will respond to legitimate user requests within a reasonable period of time.

Through the above measures, SCG is committed to creating a transparent, secure, and trustworthy data environment for users.

Page 8 | Limitation of Liability and Disclaimer
SmartCore Group Ltd (SCG) is committed to providing users with stable and reliable services. However, users should understand the following limitations and disclaimers of liability during use:
1. Service Status
SCG’s services are provided on an “as is” and “as available” basis and are not guaranteed to be error-free or uninterrupted. Users assume their own risks arising from network conditions, device performance, or third-party services.
2. Reliance on Information
Any data, analysis, or tools provided by SCG are for reference only and do not constitute investment advice or guarantee investment results. Users are solely responsible for any actions and decisions they make based on the relevant information.
3. Force Majeure
SCG assumes no liability for service interruptions or losses caused by force majeure events (such as natural disasters, policy changes, cyberattacks, large-scale technical failures, etc.), but will endeavor to take reasonable measures to mitigate the impact.
4. Third-Party Liability
If a user incurs losses from using third-party services, external links, or partner products, the liability shall be borne by the relevant third party, and SCG shall not bear joint and several liability.

When using the services, users should fully understand and accept the above limitations of liability and reasonably assess and control their own risks.

Page 9 | Dispute Resolution and Governing Law
If any dispute arises between a user and SCG regarding these Terms or related services during the use of SmartCore Group Ltd (SCG) services, both parties shall first resolve the dispute through friendly negotiation to maintain a cooperative and trusting relationship.
1. Negotiation Priority
If any dispute or disagreement arises, the user should promptly communicate with SCG. SCG will endeavor to resolve the dispute through reasonable and good faith negotiation. 2. Arbitration or Litigation
If negotiations fail, the dispute may be submitted to an arbitration institution or court of competent jurisdiction for resolution in accordance with applicable law. The venue and procedures for arbitration or litigation will be governed by applicable law.
3. Governing Law
These Terms shall be interpreted and applied in accordance with the laws of SCG’s place of registration, unless expressly provided otherwise. If any provision is held invalid or unenforceable, this will not affect the validity of the remaining provisions.
4. User Obligations
When raising a dispute or asserting rights, users must provide reasonable evidence and materials to support their claims.

Through the above arrangements, SCG is committed to establishing a fair and transparent dispute resolution mechanism to ensure that the legitimate rights and interests of both users and the platform are fully protected.

Page 10 | Right to Modify and Interpret Terms
SmartCore Group Ltd (SCG) reserves the right to modify or update these Terms of Service when necessary. Modifications may be based on the following circumstances:
 Adjustments and expansions to service content or functionality;
 Changes to relevant laws, regulations, or regulatory policies;
 Updates to the technical environment and security standards;
 Reasonable needs to better protect user rights and optimize the user experience. 1. Update Notification
When significant changes are made to these Terms, SCG will notify users through official website announcements, in-service notifications, or other reasonable means. We encourage users to regularly review these Terms for the latest updates.
2. Effective Date
Unless otherwise specified, updated Terms will take effect immediately upon posting. Continued use of the Service after these updated Terms constitutes acceptance of the revised terms.
3. Right of Interpretation
SCG reserves the final right of interpretation of these Terms. Within the scope permitted by law, any ambiguity in these Terms will be interpreted in a manner that protects the legitimate rights and interests of users.

Through continuous updates and improvements, SCG is committed to providing users with more transparent, compliant, and reliable services.