Terms and Conditions

Last updated March 15, 2026

These Terms and Conditions (“Terms”) govern your access to and use of PnL Ledger, including our website,
web application, mobile applications, and related services (collectively, the “Services”).
The Services are provided by AlphaBat j.d.o.o. (“AlphaBat”, “PnL Ledger”, “we”, “us”, or “our”).

By accessing or using the Services, creating an account, downloading our app, or purchasing a subscription,
you agree to be bound by these Terms. If you do not agree, you must not use the Services.

If you have questions or concerns about these Terms, contact us at
support@pnlledger.com.

1. Who We Are

PnL Ledger is a trading journal and performance analytics application designed to help users record,
review, and analyze trading activity, including profit and loss, trade count, journal notes,
performance trends, and related metrics.

2. Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to create an account
or purchase a subscription unless a parent or legal guardian has consented where permitted by law.
By using the Services, you represent that you meet this requirement and that you have the legal capacity
to enter into a binding agreement.

3. Important Financial Information Disclaimer

PnL Ledger is a journaling, record-keeping, and analytics tool. It is not a broker, exchange,
investment adviser, financial planner, tax adviser, or portfolio manager.

Nothing in the Services constitutes financial, investment, legal, accounting, or tax advice,
or a recommendation to buy, sell, or hold any security, instrument, currency, or asset.
You remain solely responsible for your trading decisions, compliance obligations, and tax reporting.
You should seek advice from qualified professionals where appropriate.

4. Your Account

You may need to create an account to access some or all of the Services. You agree to provide accurate,
current, and complete information and to keep that information updated.

You are responsible for maintaining the confidentiality of your login credentials and for all activity
that occurs under your account. You must notify us promptly at
support@pnlledger.com
if you suspect unauthorized access, misuse, or a security incident involving your account.

5. License to Use the Services

Subject to these Terms and your compliance with them, we grant you a limited, non-exclusive,
non-transferable, non-sublicensable, revocable license to access and use the Services
for your personal or internal business use.

This license does not transfer ownership rights. Except as expressly permitted by law,
you may not copy, modify, distribute, sell, lease, reverse engineer, decompile, disassemble,
or create derivative works from any part of the Services.

6. Acceptable Use

You agree not to:

• use the Services in violation of any applicable law, regulation, or third-party right;
• use the Services for fraudulent, deceptive, abusive, or unlawful activity;
• attempt to gain unauthorized access to accounts, systems, or networks;
• interfere with the operation, security, or integrity of the Services;
• upload or transmit malware, harmful code, or malicious content;
• scrape, harvest, or extract data from the Services without our prior written consent;
• use the Services to build a competing product or service;
• misrepresent your identity or affiliation;
• use the Services to publish or distribute unlawful, defamatory, infringing, or harmful material.

7. User Data and Content

You retain ownership of the data, notes, journal entries, and other content you submit to the Services (“User Content”).
You grant us a limited, non-exclusive, worldwide license to host, process, transmit, store, back up,
and display User Content solely as necessary to operate, maintain, improve, secure, and provide the Services.

You are responsible for ensuring that you have all rights necessary to submit User Content
and that your User Content does not violate any law or third-party rights.

8. Privacy

Our collection and use of personal information are described in our
Privacy Policy.
By using the Services, you acknowledge that we may process personal information in accordance with that policy.

9. Subscriptions, Billing, and Renewals

Some features of the Services may require a paid subscription. Pricing, billing interval,
and included features will be presented to you at the time of purchase.

Unless stated otherwise at checkout, subscriptions automatically renew at the end of each billing period
until cancelled. You authorize the applicable payment provider or app marketplace to charge the recurring fees,
taxes, and any other disclosed amounts using your selected payment method.

We may change subscription prices or features from time to time. Where required by law,
we will provide advance notice before material pricing changes take effect for a renewal.

10. Web Purchases Processed by Paddle

If you purchase a subscription or other digital product through our website or web application,
the transaction may be processed by Paddle, which acts as Merchant of Record
and authorized reseller for those transactions.

For web purchases processed by Paddle:

• your payment may be charged by Paddle or its affiliates or payment partners rather than directly by AlphaBat j.d.o.o.;
• your order, billing, taxes, and payment processing may be subject to Paddle’s applicable checkout or buyer terms;
• refunds for those purchases are handled through the applicable payment flow, and where a refund is approved,
  the refund is typically issued by Paddle rather than directly by us.

11. Apple App Store Purchases

If you purchase a subscription through Apple’s App Store, Apple handles billing and payment processing
under Apple’s own terms and policies. Your use of the mobile app is still governed by these Terms,
but billing, cancellation, and refunds for that purchase are controlled by Apple.

Apple purchases and subscriptions must generally be managed through your Apple account settings
and Apple’s support tools.

12. Google Play Purchases

If you purchase a subscription through Google Play, Google handles billing and payment processing
under Google’s own terms and policies. Your use of the mobile app is still governed by these Terms,
but billing, cancellation, and refunds for that purchase are controlled by Google Play and,
where permitted, the developer support channels made available through Google Play.

Google Play purchases and subscriptions must generally be managed through your Google Play account settings
and Google Play support tools.

13. Free Trials and Promotional Offers

We may offer free trials, introductory pricing, discount codes, or promotional offers from time to time.
Unless otherwise stated, we may modify, withdraw, or limit any offer at any time.
If a trial converts into a paid subscription, the applicable provider may charge you automatically
at the end of the trial unless you cancel before renewal.

14. Cancellation

You may cancel your subscription at any time before the next renewal date.
Cancellation stops future billing but does not, unless required by law or expressly stated otherwise,
entitle you to a refund for the current billing period or any unused portion of a subscription already paid.

If you purchased through our website or web app, follow the cancellation instructions presented
in your account or billing portal, or contact
support@pnlledger.com.

If you purchased through Apple App Store or Google Play, you must cancel through the relevant store account settings.

15. Refunds

Our refund practices are described in our Refund Policy,
which forms part of these Terms. If there is a conflict between these Terms and the Refund Policy regarding refunds,
the Refund Policy will control to the extent of that conflict.

16. Third-Party Services and Links

The Services may contain links to third-party websites, tools, integrations, or services.
We do not control and are not responsible for third-party content, services, or terms.
Your use of third-party services is at your own risk and may be governed by separate terms and privacy policies.

17. Intellectual Property

The Services, including our software, design, interface, text, graphics, logos, trademarks,
service marks, and related content, are owned by or licensed to AlphaBat j.d.o.o.
and are protected by intellectual property and other laws.

PnL Ledger, its branding, and related marks may not be used without our prior written consent,
except as permitted by applicable law.

18. Beta Features and Service Changes

We may release features, tools, or functionality designated as beta, preview, experimental,
or similar. Such features may be incomplete, may change substantially, and may be discontinued at any time.

We may also modify, suspend, or discontinue all or part of the Services at any time,
with or without notice, subject to applicable law.

19. Availability and Technical Issues

We aim to keep the Services available and functioning, but we do not guarantee uninterrupted,
error-free, secure, or continuous operation. Maintenance, updates, outages, internet disruptions,
third-party failures, device issues, or force majeure events may affect availability.

20. Disclaimer of Warranties

To the fullest extent permitted by law, the Services are provided on an “as is” and “as available” basis.
We disclaim all warranties, whether express, implied, statutory, or otherwise, including any implied warranties
of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising
from course of dealing or usage of trade.

We do not warrant that the Services will meet your requirements, produce specific outcomes,
improve trading performance, or be free from errors, interruptions, or harmful components.

21. Limitation of Liability

To the fullest extent permitted by law, AlphaBat j.d.o.o. and its directors, officers, employees,
contractors, licensors, and affiliates will not be liable for any indirect, incidental, special,
consequential, exemplary, or punitive damages, including loss of profits, revenue, savings, business,
goodwill, data, or trading losses, arising out of or related to the Services or these Terms,
even if advised of the possibility of such damages.

To the fullest extent permitted by law, our aggregate liability for all claims arising out of or related
to the Services or these Terms will not exceed the greater of:

• the amount you paid to us, Paddle, Apple, or Google for access to the Services in the 12 months before the event giving rise to the claim; or
• EUR 100.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law,
including liability for fraud, willful misconduct, or liability that applicable law forbids us to limit.

22. Indemnity

To the fullest extent permitted by law, you agree to indemnify and hold harmless AlphaBat j.d.o.o.
and its affiliates, officers, directors, employees, and contractors from and against claims, liabilities,
damages, losses, and expenses, including reasonable legal fees, arising out of or related to:

• your misuse of the Services;
• your User Content;
• your violation of these Terms;
• your violation of applicable law or third-party rights.

23. Suspension and Termination

We may suspend or terminate your access to all or part of the Services immediately,
with or without notice, if we reasonably believe that:

• you have violated these Terms;
• you have created risk or possible legal exposure for us or others;
• your use of the Services is fraudulent, abusive, or unlawful;
• continued access would harm the Services, other users, or our systems.

You may stop using the Services at any time. Termination does not affect rights or obligations
accrued before termination, including payment obligations that arose before termination.

24. Consumer Rights

Nothing in these Terms limits any mandatory consumer rights that apply to you under applicable law.
If you are a consumer, you may have rights that cannot be waived or limited by contract,
and these Terms will be interpreted subject to those rights.

25. Governing Law and Disputes

These Terms and any non-contractual obligations arising out of or in connection with them
are governed by the laws of the Republic of Croatia, without regard to conflict of law rules.

If you are a business user, the courts of Zagreb, Croatia will have exclusive jurisdiction
over disputes arising out of or relating to these Terms or the Services.

If you are a consumer, you may also have the right to bring proceedings in the courts
of your country of residence or rely on mandatory consumer protection rules that apply there.

26. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date above.
If we make material changes, we may also provide notice through the Services, by email, or by other reasonable means.
Your continued use of the Services after updated Terms become effective means you accept the revised Terms.

27. Severability and Entire Agreement

If any provision of these Terms is held to be invalid, illegal, or unenforceable,
the remaining provisions will remain in full force and effect to the fullest extent permitted by law.

These Terms, together with our Privacy Policy and
Refund Policy, form the entire agreement between you and AlphaBat j.d.o.o.
regarding the Services, except to the extent that purchases are additionally governed by Paddle,
Apple, or Google billing terms applicable to the relevant transaction.