Vision Prism Terms of Service and Disclaimer

1. Informational and Educational Purpose

Vision Prism (the "Software") is a deterministic financial data analysis and backtesting tool provided solely for informational and educational purposes. The Software does not act as an investment adviser, securities broker, or financial planner. Nothing in the Software, including any content, analysis, or generated reports, constitutes a recommendation, endorsement, or solicitation to buy or sell any security, fund, or financial product, nor does it constitute investment, legal, or tax advice.

2. Professional Adviser Use Only and Regulatory Compliance

The Software is designed for and intended to be used only by professional financial advisers, wealth management practitioners, and licensed investment professionals (collectively, "Professional Advisers"). The Software is a technical tool to assist Professional Advisers with data analysis only and does not replace their professional judgment.

Each Professional Adviser represents and agrees that they are solely responsible for complying with all applicable local laws, licensing requirements, and regulatory rules related to their professional practice (including, without limitation, fiduciary duties, suitability assessments, and Know Your Customer (KYC) obligations). Any investment advice, portfolio recommendations, or financial planning provided to end clients based on output from the Software is the Professional Adviser's individual practice and is their sole legal responsibility based on their qualifications and licenses. If a user misrepresents themselves as a Professional Adviser, the Company may immediately terminate service and close the account without refund.

3. User-Defined Inputs and Deterministic Calculations

All portfolio models, asset allocations, target weights, and cash-flow simulations are based entirely on user-defined inputs, historical market data, or customized information imported by the user (including, without limitation, public funds, private asset portfolios, or specific institutional retirement funds). The Software acts only as a mathematical calculator to compute deviations between current holdings and user-defined targets. You bear full responsibility for verifying the accuracy, completeness, and timeliness of all underlying data and input parameters in the system.

4. Rebalancing Simulation and No Automated Trading

If available, the rebalancing and asset adjustment features apply algorithms such as mixed-integer linear programming (MILP) to perform deterministic calculations strictly based on user-defined target allocations, the client's current holdings, last known market prices, and user-selected optimization objectives.

The Software is a neutral technical computation engine and expresses no subjective view, position, or opinion regarding market trends, system-generated trade lists, or specific assets. The Software does not provide automated trade execution, does not connect to any broker or custodian for order routing, and has no autonomous decision-making capability. Users must independently determine whether any portfolio adjustment is appropriate, verify mathematical results, and assume full responsibility and risk for manually executing any trades in real markets in accordance with local regulations.

5. Disclaimer for Data and Calculation Errors

The Software relies on automated parsing (including AI document recognition), external data sources, and user-provided inputs. We make no express or implied warranty regarding the accuracy, completeness, or reliability of any extracted, processed, or calculated data. The Software, its developers, and data providers shall not be liable for any errors, inaccuracies, omissions, or system failures in parsed data, mathematical calculations, or generated reports. Users acknowledge that information obtained through the Software may contain errors and assume full responsibility for independently verifying all data, allocations, and calculated trade quantities before use.

6. Fair Use and Single-Device Limitation

Each license is for a single named user only. To protect client data and service quality, each account is limited to one authorized mobile device for login and use; account sharing is prohibited. If you need to change the bound device due to replacement, you must follow reasonable change frequency and security mechanisms in system settings. If the system detects abnormally frequent device changes, use on the new device will be suspended without refund; if you have special business or equipment failure needs, contact the system administrator. The Company reserves final discretion to approve continued use based on individual circumstances.

7. Intellectual Property and Prohibition of Reverse Engineering

The Company retains all intellectual property rights in the Software and its code, trademarks, algorithms, and related features. Users agree not to copy, modify, adapt, decompile, or reverse engineer the Software, or attempt to extract its source code.

8. No Guarantee of Future Returns and Assumption of Risk

Historical performance is for analytical practice only and does not guarantee future results. Simulated, backtested, or hypothetical performance has inherent limitations and cannot fully reflect real-world transaction costs, slippage, or market liquidity. The Software does not guarantee future returns, promise risk reduction, or warrant that any target allocation will achieve its intended objectives. Under no circumstances shall the Software, its developers, or affiliates be liable for any financial loss, loss of profits, or damages arising from use of or reliance on calculation results provided by the Software. To the maximum extent permitted by law, total cumulative liability to a single user shall not exceed the subscription fees paid by that user in the current year.

9. Membership Service Limitations and Termination

• After the Company completes and confirms membership registration, services will be provided according to the services, items, investment product information, content, status, and features available at that time. The Company reserves the right to add, reduce, or change any or all of such services, items, investment product information, content, and features at any time. Changes will be posted on the official website or in the App without individual notice.
• The Company reserves the right to convert free services to paid services and to adjust pricing dynamically at any time. Updated terms will be posted on the relevant website or App without individual notice.
• Users agree that the Company may, for transaction security and operational compliance, terminate a user's password, account (or any part thereof), or access to the Service for any reason (including, without limitation, lack of use, malicious integration, or violation of the letter or spirit of these Terms), and may remove and delete any "member-only content" within the Service. The Company may also terminate all or any part of the Service upon notice or announcement. Users agree that if use of the Service is terminated by law or contract, the Company shall not be liable to the user or any third party for any loss or consequential legal liability.

10. Governing Law and Jurisdiction

These Terms shall be interpreted, supplemented, and governed by the laws of Taiwan. Any dispute arising from use of the Software or these Terms shall be submitted to the Taipei District Court as the court of first instance.