Acceptable Use Policy

Last Updated: February 26, 2026

Table of Contents

1. Introduction
2. Scope and Application
3. Prohibited Activities
4. Financial Services Specific Restrictions
5. AI and Technology Usage Guidelines
6. Security and System Integrity
7. Content Standards
8. Compliance Obligations
9. Monitoring and Enforcement
10. Reporting Violations
11. Consequences of Violations
12. Changes to This Policy
13. Contact Us

1. Introduction

This Acceptable Use Policy ("AUP") governs your use of the services, platforms, and technology provided by Adaptic Holdings Limited and its subsidiaries (collectively, "Adaptic," "we," "our," or "us"). This AUP is incorporated into and forms part of our Terms of Service.

By accessing or using our Services, you agree to comply with this AUP. Violation of this AUP may result in suspension or termination of your access to our Services, legal action, and notification to appropriate law enforcement authorities.

Purpose

This AUP is designed to:

• Protect the security, integrity, and availability of our Services
• Ensure compliance with applicable laws and regulations
• Prevent fraud, abuse, and illegal activities
• Maintain a safe and respectful environment for all users
• Uphold our reputation and the trust of our institutional clients

2. Scope and Application

2.1 Covered Services

This AUP applies to all Adaptic services, including:

• Website and web applications (adaptic.ai and subdomains)
• Technology platforms and AI products
• APIs and developer tools
• Mobile applications
• Communication services (email, chat, support)
• Any future services we may offer

2.2 Who Must Comply

This AUP applies to:

• Individual users and account holders
• Enterprise and institutional clients
• Business account administrators
• Developers using our APIs
• Partners and affiliates
• Any third party accessing our Services

3. Prohibited Activities

You may NOT use our Services to engage in, facilitate, or promote any of the following activities:

3.1 Illegal Activities

• Violating any local, state, national, or international law or regulation
• Engaging in or facilitating money laundering, terrorist financing, or sanctions evasion
• Participating in fraud, embezzlement, or financial crimes
• Facilitating illegal gambling or unlicensed gaming activities
• Trading in illegal goods or services
• Violating export control or trade sanctions laws
• Engaging in insider trading or market manipulation
• Facilitating tax evasion or other tax crimes

3.2 Fraudulent Activities

• Creating fake or misleading accounts
• Impersonating any person or entity
• Providing false, inaccurate, or misleading information
• Engaging in phishing, spoofing, or social engineering attacks
• Creating or distributing counterfeit documents
• Manipulating market data or analytics
• Engaging in wash trading or spoofing
• Fabricating investment performance or returns

3.3 Harmful Activities

• Distributing malware, viruses, or malicious code
• Launching denial-of-service (DoS) or distributed denial-of-service (DDoS) attacks
• Attempting to gain unauthorized access to systems or data
• Interfering with or disrupting the integrity or performance of our Services
• Circumventing security measures or access controls
• Harvesting or scraping user data without authorization
• Reverse engineering, decompiling, or disassembling our software (except where permitted by law)

3.4 Abusive Conduct

• Harassing, threatening, or intimidating others
• Distributing hate speech or content that promotes violence
• Posting defamatory, libelous, or slanderous content
• Sharing sexually explicit or pornographic material
• Exploiting, abusing, or harming minors
• Stalking or violating privacy rights
• Engaging in discriminatory practices based on race, religion, gender, sexual orientation, disability, or other protected characteristics

3.5 Intellectual Property Violations

• Infringing copyrights, trademarks, patents, or trade secrets
• Using our Services to distribute pirated software or content
• Misappropriating proprietary information
• Violating licensing agreements or terms of use for third-party content
• Using our brand, logos, or trademarks without authorization

3.6 Spam and Unsolicited Communications

• Sending unsolicited commercial messages (spam)
• Operating or promoting pyramid schemes or multi-level marketing without proper disclosure
• Engaging in email or SMS bombing
• Creating misleading subject lines or headers
• Harvesting email addresses or contact information

3.7 Misuse of Platform Resources

• Creating multiple accounts to circumvent restrictions
• Automating access to our Services beyond permitted API usage
• Overloading our systems with excessive requests (rate limiting violations)
• Using our Services for cryptocurrency mining
• Reselling our Services without authorization
• Creating derivative products that compete with our Services

4. Financial Services Specific Restrictions

As a financial services technology provider, we have additional restrictions:

4.1 Regulatory Compliance

You must NOT:

• Use our Services to provide unlicensed financial advice or investment recommendations
• Solicit investments without proper regulatory authorization
• Market financial products to ineligible investors
• Bypass know-your-customer (KYC) or anti-money laundering (AML) requirements
• Facilitate transactions for sanctioned entities or prohibited jurisdictions
• Operate unregistered investment schemes
• Provide misleading financial promotions

4.2 Market Integrity

You must NOT:

• Engage in market manipulation or price fixing
• Use our Services for front-running or insider trading
• Create artificial market demand or supply
• Spread false or misleading information to affect market prices
• Coordinate pump-and-dump schemes
• Engage in quote stuffing or spoofing
• Manipulate our algorithms or AI systems for unfair advantage

4.3 Client Protection

You must NOT:

• Misrepresent investment risks or potential returns
• Guarantee investment performance or returns
• Conceal material facts or conflicts of interest
• Engage in churning or excessive trading
• Provide unsuitable investment recommendations
• Use high-pressure sales tactics
• Exploit vulnerable clients

4.4 Data and Privacy

You must NOT:

• Share client financial data without proper authorization
• Violate bank secrecy or financial privacy laws
• Use personal financial information for unauthorized purposes
• Combine financial data with other data sources in violation of regulations
• Transfer financial data to unauthorized third parties
• Retain financial data beyond regulatory retention requirements

5. AI and Technology Usage Guidelines

5.1 AI Content and Output

When using our AI products and services, you must NOT:

• Generate content to deceive, defraud, or mislead others
• Create deepfakes or synthetic media to impersonate real individuals
• Generate content that violates intellectual property rights
• Use AI to make automated decisions that materially impact individuals without human review (e.g., credit decisions, employment decisions)
• Train competing AI models using our outputs or technology
• Represent AI-generated content as human-created without disclosure
• Use AI to generate financial advice without appropriate licensing and human oversight

5.2 Responsible AI Use

You MUST:

• Verify accuracy of AI-generated financial information before use
• Maintain human oversight for material financial decisions
• Disclose the use of AI in client-facing applications
• Ensure AI outputs comply with applicable financial regulations
• Implement appropriate safeguards against AI bias and discrimination
• Monitor AI systems for errors, hallucinations, or inappropriate outputs

5.3 Data Input Restrictions

You must NOT input into our AI systems:

• Classified or controlled information
• Personal data of individuals without proper consent
• Confidential information belonging to third parties
• Trade secrets or proprietary information (unless you have rights to use it)
• Content intended to train our models for competitive purposes

6. Security and System Integrity

6.1 Account Security

You MUST:

• Maintain the confidentiality of your account credentials
• Use strong, unique passwords
• Enable multi-factor authentication when available
• Immediately notify us of any unauthorized access or security breaches
• Comply with our security policies and best practices

You must NOT:

• Share your account credentials with others
• Allow unauthorized users to access your account
• Create accounts using temporary or disposable email addresses for production use
• Use automated tools to create multiple accounts

6.2 System Protection

You must NOT:

• Attempt to probe, scan, or test vulnerabilities in our systems
• Breach authentication or security measures
• Access areas of our Services that you are not authorized to access
• Intercept or monitor data or communications not intended for you
• Introduce vulnerabilities or backdoors into our systems
• Engage in any form of network attacks

6.3 Authorized Security Testing

If you discover a security vulnerability:

• Report it immediately to security@adaptic.ai
• Do not exploit or demonstrate the vulnerability beyond what is necessary to report it
• Do not access, modify, or delete data belonging to others
• Allow us reasonable time to address the vulnerability before public disclosure
• Refer to our Security Policy for our vulnerability disclosure process

7. Content Standards

7.1 User-Generated Content

All content you create, upload, or share through our Services must:

• Be accurate and not misleading
• Comply with applicable laws and regulations
• Respect intellectual property rights
• Not contain malicious code or harmful content
• Be appropriate for a professional business environment

7.2 Investment Content

If you share investment-related content, you must:

• Include appropriate risk disclosures
• Not make guarantees about future performance
• Disclose material conflicts of interest
• Comply with financial promotion regulations
• Include required regulatory disclaimers
• Ensure content is fair, clear, and not misleading

7.3 Prohibited Content

You must NOT create or share content that:

• Promotes illegal activities
• Contains hate speech or discriminatory content
• Includes graphic violence or disturbing imagery
• Exploits or endangers children
• Violates privacy rights
• Contains personally identifiable information without consent
• Spreads misinformation or disinformation

8. Compliance Obligations

8.1 Regulatory Compliance

You MUST:

• Comply with all applicable financial services regulations in your jurisdiction
• Maintain required licenses and registrations
• Adhere to KYC and AML requirements
• File required regulatory reports
• Cooperate with regulatory inquiries
• Maintain appropriate books and records

8.2 Tax Compliance

You MUST:

• Comply with all applicable tax laws
• Maintain accurate records for tax reporting
• Report taxable events appropriately
• Withhold taxes where required
• Not use our Services to facilitate tax evasion

8.3 Trade Compliance

You MUST:

• Comply with export control laws
• Adhere to economic sanctions and embargoes
• Not provide Services to sanctioned entities or individuals
• Not facilitate transactions involving prohibited jurisdictions
• Maintain records of cross-border transactions

9. Monitoring and Enforcement

9.1 Our Rights

We reserve the right to:

• Monitor use of our Services for compliance with this AUP
• Investigate suspected violations
• Suspend or terminate accounts that violate this AUP
• Remove or disable access to violating content
• Report violations to law enforcement or regulatory authorities
• Preserve evidence of violations
• Cooperate with legal and regulatory investigations

9.2 Automated Systems

We may use automated systems to:

• Detect suspicious activity
• Identify potential violations
• Monitor for security threats
• Analyze usage patterns
• Flag content for review

9.3 No Obligation to Monitor

We are not obligated to monitor all user activity or content. Our failure to detect or act on a violation does not waive our right to enforce this AUP.

10. Reporting Violations

10.1 How to Report

If you become aware of any violation of this AUP, please report it immediately:

Security Issues: security@adaptic.ai Compliance Violations: compliance@adaptic.ai Abuse or Misconduct: abuse@adaptic.ai General Legal Matters: legal@adaptic.ai

10.2 Required Information

When reporting a violation, please provide:

• Detailed description of the violation
• Evidence supporting your report (screenshots, URLs, timestamps)
• Your contact information
• Any relevant account or user information
• Date and time of the incident

10.3 Confidentiality

We treat violation reports confidentially and will not disclose reporter identity without consent, except as required by law or legal process.

11. Consequences of Violations

11.1 Enforcement Actions

Depending on the severity and frequency of violations, we may:

• Issue a warning
• Temporarily suspend account access
• Permanently terminate your account
• Remove or restrict specific features
• Terminate API access
• Impose usage limitations
• Require additional verification or compliance measures

11.2 Legal Consequences

Serious violations may result in:

• Civil legal action to recover damages
• Criminal prosecution
• Reporting to law enforcement
• Notification to regulatory authorities
• Disclosure to affected third parties
• Cooperation with investigations

11.3 No Refunds

If your account is suspended or terminated for AUP violations, you will not be entitled to refunds of any fees paid.

12. Changes to This Policy

We may update this AUP from time to time to reflect:

• Changes in applicable laws and regulations
• New features or services
• Emerging security threats
• Feedback from users and regulators
• Industry best practices

When we make material changes:

• We will update the "Last Updated" date
• We will provide notice through our Services or via email
• Continued use of our Services constitutes acceptance of the updated AUP

13. Contact Us

If you have questions about this Acceptable Use Policy or need to report a violation, please contact us:

Adaptic Holdings Limited

Primary Contact (DIFC Headquarters): Adaptic Limited Dubai International Financial Centre (DIFC) Dubai, United Arab Emirates

Email:

• Compliance: compliance@adaptic.ai
• Security: security@adaptic.ai
• Abuse Reports: abuse@adaptic.ai
• Legal: legal@adaptic.ai

Regional Contacts

United States: Adaptic, Inc. Email: compliance.us@adaptic.ai

United Kingdom: Adaptic AI (UK) Limited Email: compliance.uk@adaptic.ai

Singapore: Adaptic Asset Management (Asia) Pte Ltd Email: compliance.sg@adaptic.ai

Emergency Contact

For urgent security or compliance matters requiring immediate attention: 24/7 Emergency Line: Available to enterprise clients (contact your account manager for details)