TERMS OF USE

3.1 Eligibility Requirements

• To register and maintain an account on the Platform, you must:
• – be at least 18 years of age;
• – have the full legal capacity to enter into binding contracts under the laws applicable to you;
• – not be a U.S. Person or otherwise ineligible under Clause 3.2; and
• – not be accessing the Platform in breach of any applicable law or regulation in your jurisdiction of residence.

3.2 Restricted Jurisdictions

• Access to and use of the Platform is not permitted for persons who are:
• – U.S. Persons. For the purposes of these Terms, a "U.S. Person" means a U.S. citizen or national, a lawful permanent resident of the United States, or an individual residing in or physically located in the United States of America, including its territories and possessions;
• – persons subject to applicable sanctions restrictions that prohibit access to the Platform or the relevant service; or
• – persons located in any jurisdiction where use of the Platform or a relevant feature is prohibited by applicable law.

3.3 Geographic Verification

By creating an account, you represent and warrant that you meet the geographic and sanctions eligibility requirements set out in Clause 3.2. The Company relies on self-declarations made by Users during registration and onboarding when assessing geographic eligibility. The Company reserves the right to restrict or terminate access to the Platform where, in its reasonable assessment, a User is ineligible under Clause 3.2 or access would violate applicable law or sanctions requirements.

4.1 Technology Platform Operator

The Company operates the Platform solely as a technology infrastructure provider and digital platform operator.

Platform and Services. Cresco is an international investment and wealth technology platform providing digital access to investment-related services, financial solutions and selected lifestyle services, together with client support and coordination of independent professional service providers. Where a service requires regulatory authorisation, it is provided by an appropriately authorised third party under the applicable contractual and regulatory arrangements. The availability of each service depends on the user's eligibility, location, product conditions and service provider requirements.

The Company does not hold any licence issued by any financial regulatory authority, and does not provide, and is not authorised to provide, any of the following services:

• – investment advice or personalised investment recommendations;
• – portfolio management or discretionary asset management;
• – execution, clearing, or settlement of financial transactions of Users, nor acting as a broker-dealer or order execution facility;
• – custody or safeguarding of client assets; or
• – any other regulated financial service.

4.2 Role as Technical Intermediary

The Platform provides technology infrastructure through which Users may complete investment profiling, access information and services from independent financial partners, connect supported brokerage accounts, view portfolio information and receive portfolio summaries.

Users may also view investment ideas published by their relevant licensed financial partner and indicate their acceptance or rejection through the Platform. Cresco communicates the User's response to that partner but does not submit trade orders to brokers or initiate trade execution.

4.3 No Advisory Relationship

The Company does not act as your investment adviser, broker, fiduciary, or agent. The Company's own technology services, Investment Profile outputs and AI Summaries do not constitute investment advice, a recommendation to buy or sell any financial instrument, or a solicitation to enter into any investment transaction. Investment ideas or recommendations published through the Platform by Partner Advisors are provided by those independent licensed financial partners and are subject to their respective client agreements and applicable regulatory obligations. All financial and investment decisions are made by you and/or your chosen Partner Advisor, as applicable.

4.4 Partner Advisor Responsibility

All investment advisory, portfolio management, and related regulated services accessible through the Platform are provided exclusively by Partner Advisors, each of whom is an independent, separately licensed entity. Partner Advisors are solely and exclusively responsible for the suitability, appropriateness, legality, and quality of all investment advice, recommendations, and services they provide to Users, including all applicable regulatory disclosures and client suitability assessments required under the laws of their respective licensing jurisdictions.

Independent Service Providers. Certain products and services available through the Platform are provided by independent brokers, custodians, licensed financial partners or other professional service providers. A user may enter into a separate contractual relationship directly with the relevant provider. That provider is responsible for the services it undertakes to provide under its own agreement and applicable law. Cresco's role is limited to the technology, client-interface, introduction or coordination functions it actually provides under the applicable arrangements. Nothing in these Terms excludes responsibility for Cresco's own obligations where such responsibility cannot lawfully be excluded.

5.1 Account Creation

To create a Platform account, you must provide a valid email address and complete the applicable account verification process. By registering, you represent that all information you provide is accurate, current, and complete.

Account Registration and Service Activation. Creating a Cresco Platform account gives access to the functions made available to registered users. Account registration does not, by itself, establish a brokerage, investment advisory, asset management or other regulated financial services relationship. Access to any particular product or service may require separate activation steps, identity verification, investor classification, suitability assessment, agreements or authorisations as applicable to that service. Certain non-investment services may be available without opening or connecting a brokerage account.

5.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify the Company immediately at info@joincresco.com if you become aware of any unauthorised use of your account or any other security breach. The Company shall not be liable for any loss or damage arising from your failure to maintain adequate account security.

5.3 Single Account

Each User is permitted to maintain one account on the Platform. The creation of multiple accounts by a single individual is prohibited.

5.4 Account Accuracy

You are obliged to keep your account information accurate and up to date at all times. If you become aware that any information you have provided is or has become inaccurate, you must update it without delay through your account settings or by contacting the Company.

6.1 Onboarding Process

Prior to accessing Partner Advisor services, Users are required to complete the applicable investment preferences and suitability questionnaire. Identity verification for investment-related onboarding is facilitated through an external verification provider (Didit) and, where applicable, the relevant licensed financial partner. Connected brokers and custodians may also conduct their own independent KYC/AML checks. These investment onboarding steps are separate from registration for a Cresco Platform account.

6.2 Information Collected

During onboarding, the Platform collects the following categories of information from you:

• – investment management preference (discretionary or advisory);
• – primary investment objective and time horizon;
• – risk tolerance and behavioural risk preference;
• – level of investment experience and product familiarity;
• – relative financial significance of the invested capital;
• – source of investment funds.

6.3 Purpose of Investment Profile

Your Investment Profile is used by the Platform to facilitate the presentation of appropriate Partner Advisors and investment services, and is shared with your selected Partner Advisor as part of the client onboarding process with that Partner Advisor. The regulatory assessment of suitability on the basis of your Investment Profile is the responsibility of the relevant licensed Partner Advisor.

6.4 Accuracy of Responses

You are solely responsible for the accuracy and completeness of all information provided during the onboarding process. You are obliged to notify the Platform if your circumstances change in any material respect. The Company accepts no liability for any adverse outcome arising from inaccurate, incomplete, or outdated information provided by you.

6.5 Identity Verification

Identity documents, facial images and biometric verification materials are submitted directly to the external verification provider (Didit). Cresco does not receive or store those documents or biometric materials in the Platform; it may receive limited verification status information and technical identifiers needed to facilitate onboarding. Relevant licensed financial partners, brokers and custodians remain responsible for any independent KYC/AML checks required of them under applicable law.

7.1 Selection of Partner Advisors

The Company applies an internal due diligence procedure when onboarding Partner Advisors onto the Platform, which may include verification of regulatory status, review of applicable licences, and assessment of business conduct. However, the Company does not guarantee, warrant, or represent the continued licensing, regulatory compliance, financial soundness, honesty, competence, or fitness of any Partner Advisor.

7.2 Regulatory Information

The regulatory status and licensing information of each Partner Advisor, as provided to the Company at the time of onboarding, is displayed in the relevant Partner Advisor's profile on the Platform. Users are encouraged to independently verify the regulatory standing of any Partner Advisor prior to entering into an Advisory Agreement. Partner Advisors may be licensed across multiple jurisdictions.

7.3 Advisory Agreement

Any agreement for the provision of investment advisory or portfolio management services is entered into directly between you and your chosen Partner Advisor. The Company is not a party to any Advisory Agreement and assumes no obligations, liabilities, or responsibilities under or in connection with any such agreement. The terms, conditions, fees, and obligations of the Advisory Agreement are governed exclusively by the agreement between you and the relevant Partner Advisor.

7.4 Investment Ideas

Partner Advisors may publish investment ideas on the Platform for their clients. The relevant Partner Advisor is responsible for the substance of each investment idea, its investment rationale, applicable risk information, and the suitability or appropriateness of any recommendation for the relevant client under applicable law and the partner's agreement with that client. Cresco provides the technical interface and administrative coordination for displaying and communicating such ideas and does not itself provide investment advice or determine the suitability of an investment idea for a User.

7.5 Acceptance of Investment Ideas

Where your Advisory Agreement provides for a discretionary management approach, investment ideas may be implemented on your behalf by your Partner Advisor within your agreed strategy and risk profile. Where you have chosen an advisory approach, you retain the right to review and approve or reject each investment idea within the time window specified by your Partner Advisor.

7.6 Investment Idea Confirmation and Partner Notification

Where a licensed Partner Advisor publishes an investment idea for a User through the Platform, the User may review and confirm or reject that idea.

When the User confirms an idea, the Platform notifies the relevant Partner Advisor of the confirmation, identifying the client and the relevant investment idea.

The confirmation does not result in the automatic creation, submission or execution of a brokerage order by Cresco. Any subsequent investment transaction is handled outside the Platform's order-execution functionality, in accordance with the applicable agreements and procedures of the relevant Partner Advisor and broker.

The legal effect of the User's confirmation in relation to the Partner Advisor is governed by the applicable agreement between them.

8.1 Connection Method

The Platform may integrate with supported brokers and custodians, including Interactive Brokers, through authorised technical connections and APIs, subject to the User's permissions and the relevant provider's procedures. A User may authorise access to a connected Brokerage Account for portfolio and transaction data used by the Platform. Cresco does not request or store the User's brokerage login password. The Platform does not submit trade orders to brokers through these integrations.

8.2 Data Displayed

When a supported Brokerage Account is connected, the Platform may display the following data made available by the relevant broker or custodian:

• – portfolio holdings and current valuations;
• – executed and pending transactions;
• – account number and account holder name; and
• – portfolio performance metrics, as made available through the relevant provider's API.

The Company may securely process and store relevant portfolio, transaction and performance data to provide reporting, analytics and other Platform features, as described in the Privacy Policy. Data availability, accuracy and refresh frequency depend on the connected provider, and displayed information may not be real time.

8.3 Visibility of Portfolio Data

By connecting a Brokerage Account to the Platform, you acknowledge that your selected Partner Advisor may have visibility of your portfolio information, performance data, transaction history and investment idea results, as made available through the Cresco CRM system, subject to your applicable permissions and the terms of your Advisory Agreement with that Partner Advisor.

8.4 Independent Brokerage Services

The Company does not act as a broker or custodian or as an agent of any supported brokerage or custody provider merely by providing a technical integration. To the extent permitted by applicable law, the Company accepts no responsibility for the availability, accuracy, completeness or continuity of data supplied by independent brokerage or custody providers, or for their acts or omissions in connection with your account.

9.1 Nature of AI Summaries

The Platform provides Users with AI-generated summaries and analytics in connection with their connected portfolio. These summaries are produced using anonymised portfolio data processed through the OpenAI API, a third-party artificial intelligence service. AI Summaries are provided solely for informational and descriptive purposes.

9.2 Not Investment Advice

AI Summaries do not constitute, and must not be construed as, investment advice, investment recommendations, or any form of regulated financial guidance. AI Summaries describe portfolio composition and performance in a neutral, factual manner and do not contain suggestions to buy, hold, or sell any financial instrument or to adopt any particular investment strategy.

9.3 Data Anonymisation

Prior to processing by the AI provider, all portfolio data is anonymised. No personally identifiable information is transmitted to OpenAI or any other third-party AI provider. The data transmitted is formatted as a description of a hypothetical portfolio, containing asset class composition and allocation data without reference to any individual User's identity.

9.4 Accuracy Disclaimer

AI-generated content is produced by automated systems and may contain errors, omissions, or inaccuracies. You should not rely on AI Summaries as the sole basis for any investment or financial decision. The Company accepts no liability for any decision made in reliance upon an AI Summary.

10.1 Fees and Payments

The Company does not charge Users for registration, access to the Platform or use of its features. No fees are payable directly by Users to Cresco for use of the Platform.

10.2 Company Remuneration

The Company receives remuneration solely through revenue-sharing arrangements with licensed financial partners. This remuneration represents an agreed share of fees or commissions earned by the relevant licensed financial partner under its own client arrangements. Applicable material compensation arrangements and conflicts of interest will be disclosed where required by law. Cresco does not invoice or collect fees from Users for use of the Platform.

10.3 Partner Advisor Fees

Any fees or commissions payable by a User for investment advisory, portfolio management or other regulated investment services are governed by the relevant agreement with the licensed financial partner. Such fees are charged under the partner's own terms and are not charged or collected by Cresco. The relevant licensed partner is responsible for disclosing and administering its fees in accordance with its applicable legal and regulatory obligations.

11.1 Platform Content

All Content on the Platform, including but not limited to software, design elements, structure, algorithms, text, graphics, and platform infrastructure, is the exclusive property of the Company or its licensors and is protected by applicable intellectual property laws. No licence to any Platform Content is granted to Users beyond the limited right to access and use the Platform in accordance with these Terms.

11.2 Partner Advisor Content

Investment ideas, research materials, logos, brand elements, and any other content uploaded or published on the Platform by a Partner Advisor remain the exclusive intellectual property of that Partner Advisor. The right to display such content through the Platform is governed by the applicable agreement between the Company and the relevant Partner Advisor.

11.3 Prohibited Use

Users are strictly prohibited from copying, reproducing, modifying, distributing, transmitting, displaying, publishing, creating derivative works from, or otherwise exploiting any Content on the Platform, whether proprietary to the Company or to any Partner Advisor, without the prior written consent of the relevant rights holder. Any unauthorised use of Platform Content may result in immediate account termination and may give rise to civil and/or criminal liability.

12.1 General Obligations

By using the Platform, you agree to:

• – provide accurate, current, and complete information at all times;
• – comply with all applicable laws and regulations in your jurisdiction of residence;
• – use the Platform solely for lawful purposes and in accordance with these Terms;
• – promptly notify the Company of any material change to your personal circumstances or Investment Profile; and
• – refrain from sharing your account credentials with any third party.

12.2 Prohibited Conduct

You must not:

• – use the Platform if you are ineligible under Clause 3.2;
• – access the Platform for any unlawful purpose or in furtherance of any fraudulent scheme;
• – attempt to circumvent any technical restriction, security feature, or access control of the Platform;
• – reverse engineer, decompile, or disassemble any part of the Platform's software or systems;
• – upload or transmit any malicious code, virus, or harmful content;
• – misrepresent your identity or impersonate any other person or entity; or
• – use automated tools, bots, or scrapers to access or extract data from the Platform.

14.1 Exclusion of Warranties

THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, AND NONINFRINGEMENT.

14.2 Exclusion of Consequential Losses

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITY, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE PLATFORM, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

14.3 Investment Losses

The Company accepts no liability whatsoever for any investment loss, loss of capital, or adverse financial outcome suffered by any User in connection with any investment decision, Advisory Agreement, or recommendation provided by a Partner Advisor. All investment activities involve risk, including the risk of total loss of capital, and such risk is assumed entirely by the User.

14.4 Partner Advisor Liability

The Company is not liable for any act, omission, negligence, breach of duty, or misconduct of any Partner Advisor, including but not limited to the provision of unsuitable investment advice, breach of fiduciary duty, or failure to comply with applicable regulatory requirements. All claims arising from Partner Advisor services must be directed to the relevant Partner Advisor.

14.5 Third-Party Services

The Company is not liable for any interruption, error, data inaccuracy, or unavailability arising from the services of supported brokers or custodians, OpenAI, or any other third-party provider integrated with the Platform.

14.6 Cap on Liability

To the extent that any liability of the Company is not capable of being excluded under applicable law, the following tiered framework shall apply. (a) For claims arising from ordinary negligence or breach of contract not involving fraud, wilful misconduct, or gross negligence, the Company's aggregate liability to any User in respect of all such claims arising under or in connection with these Terms shall not exceed USD 500 (five hundred United States dollars). (b) Nothing in these Terms shall limit or exclude the Company's liability for death or personal injury caused by its negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded or limited under the laws of the Abu Dhabi Global Market. (c) For the avoidance of doubt, the monetary cap set out in sub-clause (a) above does not apply to claims arising from the Company's gross negligence or wilful misconduct, which shall be assessed by the competent tribunal on their merits without reference to any predetermined monetary limit, subject always to the User's obligation to mitigate their loss.

16.1 Duration

These Terms remain in effect for as long as you maintain an active account on the Platform or otherwise use the Platform.

16.2 Termination by User

You may close your account at any time by submitting a written request to info@joincresco.com. Account closure will be processed within a reasonable time.

16.3 Termination by the Company

Account Suspension and Termination. Cresco reserves the right to suspend, restrict or terminate access to the Platform where reasonably necessary for security reasons, suspected fraud or misuse, violation of these Terms, or compliance with applicable legal or regulatory requirements. Where practicable and legally permitted, Cresco will notify the user of such suspension or termination.

16.4 Effect of Termination

Upon termination, your right to access and use the Platform ceases immediately. Clauses 11, 14, 15, 18, and 19 shall survive termination.

Suspension or termination of a Cresco account does not automatically terminate any independent agreement between the user and a broker, custodian, licensed financial partner or other third-party service provider. Such relationships remain subject to their respective agreements.

Following account closure, personal data will be deleted or retained in accordance with the Privacy Policy and applicable legal requirements. Users may contact Cresco to request access to eligible account information or documents, subject to applicable restrictions.

18.1 Governing Law

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Abu Dhabi Global Market (ADGM) as applied by the ADGM Courts.

18.2 Complaints Procedure

If you have a complaint or dispute in connection with the Platform or these Terms, you should first contact the Company's support team via live chat on the Platform or by email at info@joincresco.com. The Company will endeavour to acknowledge your complaint within five (5) business days.

18.3 Pre-Litigation Notice

Before commencing legal proceedings under Clause 18.4, the disputing party should send written notice of claim to the other party at its designated contact address or email and allow thirty (30) calendar days for a substantive response. If the matter remains unresolved after that period, either party may commence proceedings before the ADGM Courts. This procedure does not prevent a party from seeking urgent interim relief or exercising any right that cannot lawfully be restricted.

18.4 Jurisdiction of ADGM Courts

Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity or termination, shall be subject to the exclusive jurisdiction of the Abu Dhabi Global Market Courts.

18.5 Disputes with Partner Advisors

Disputes arising between a User and a Partner Advisor in connection with an Advisory Agreement are governed exclusively by the dispute resolution provisions of that Advisory Agreement and are not subject to these Terms or the Company's complaints procedure. The Company is not a party to any such dispute and assumes no obligation to mediate or arbitrate in connection with it.

19.1 Entire Agreement

These Terms, together with the Privacy Policy and Risk Disclosure Statement, constitute the entire agreement between you and the Company with respect to your use of the Platform and supersede all prior understandings, agreements, representations, and warranties relating to the same subject matter.

19.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

19.3 No Waiver

The Company's failure to enforce any right or provision under these Terms shall not constitute a waiver of such right or provision. Any waiver must be made in writing and signed by an authorised representative of the Company.

19.4 Assignment

You may not assign or transfer any of your rights or obligations under these Terms without the prior written consent of the Company. The Company may assign its rights and obligations under these Terms to any affiliate, successor entity, or acquirer without your prior consent, provided that such assignment does not materially affect your rights under these Terms.

19.5 Force Majeure

The Company shall not be liable for any failure or delay in performance of its obligations under these Terms to the extent that such failure or delay is caused by circumstances beyond its reasonable control, including but not limited to acts of God, governmental actions, natural disasters, pandemics, cyberattacks, or failures of third-party infrastructure providers.

19.6 Language

These Terms are executed in the English language. In the event of any conflict between an English version and a translation of these Terms into any other language, the English version shall prevail.

19.7 Contact Information

For general enquiries relating to these Terms, please contact:

• Cresco Technologies LTD
• Registered No.: 37097
• Registered Address: 4391ResCo-Work05, Floor. 43, Addax Port Office Tower, Al Rayfa Street, Abu Dhabi, Al Reem Island, United Arab Emirates
• Email: info@joincresco.com