Terms of Service

The agreement, in writing.

The binding agreement governing access to and use of the SCT Unlimited website, SCT Unlimited Software, technology infrastructure, dashboards, and related services.

01 · Introduction and Acceptance

These Terms govern Licensee's access to and use of:

• The SCT website, including all subdomains.
• The SCT Suite app, dashboards, and member portals.
• The SCT Unlimited Software and any related software, technology, or routing components.
• Educational materials, methodology disclosures, research briefs, video content, and operational documentation.
• Support, onboarding, configuration, and account-management workflows provided by SCT.
• Any other software, tool, or service made available by SCT under the SCT Unlimited brand.

By creating an account, completing onboarding, signing any onboarding document, paying any fee, or otherwise accessing or using the foregoing, Licensee confirms that Licensee has read, understood, and agreed to these Terms.

SCT may update these Terms from time to time in accordance with Section 24. Continued access to the website, SCT Unlimited Software, or services after the effective date of an update constitutes acceptance of the updated Terms.

02 · Definitions

The following capitalised terms have the meanings set out below:

• "Licensee," "you," or "your" means the individual or entity accessing or using the Services, whether or not a paid licence has been purchased.
• "SCT," "we," "us," or "our" means SCT Consulting LLC, a Wyoming limited liability company that offers SCT Unlimited as a branded educational software and information product, and its affiliates.
• "Services" means the SCT website, SCT Suite app, dashboards, member portals, SCT Unlimited Software, the Algorithms, methodology disclosures, educational content, configuration support, and any other product or service provided by SCT under the SCT Unlimited brand.
• "SCT Unlimited Software" means the rules-based trading technology framework licensed by SCT under the SCT Unlimited brand, including the Algorithms, session modules, structural logic, breakout conditions, filters, routing instructions, and risk parameters.
• "Algorithms" means the algorithms licensed by SCT as components of the SCT Unlimited Software, currently comprising Dynamis, Praxis, and Infinitus, each operating on NQ futures, as may be amended or supplemented by SCT from time to time.
• "Client Software Access Agreement" means the principal signed agreement between SCT and Licensee governing access scope, responsibilities, and commercial terms, into which these Terms are incorporated.
• "Package Selection Form" means the form completed by Licensee during onboarding identifying the specific package, tier, or Algorithm licensed.
• "Related Documents" means, collectively, the Risk Disclosure Document, the Methodology Disclosure, the Privacy Policy, the Client Software Access Agreement, the Package Selection Form, and any other document referenced in or incorporated into these Terms.
• "Third-Party Platform" means any platform, service, or system operated by a person other than SCT, including the supported charting platform, the supported execution platform, brokers, third-party capital platforms (including evaluation programmes), exchanges, market data providers, payment processors, hosting providers, and other third-party services.
• "Intellectual Property" means all copyrights, trademarks, trade secrets, patents, methodology documentation, software code, algorithm logic, configuration parameters, design tokens, brand assets, research content, and proprietary materials owned by or licensed to SCT.

03 · Eligibility and Acceptance of Terms

By accessing or using the Services, Licensee represents and warrants that:

• Licensee is at least 18 years of age, or the age of majority in Licensee's jurisdiction, whichever is greater.
• Licensee has the legal capacity to enter into and be bound by these Terms.
• If Licensee is using the Services on behalf of an entity, Licensee has the authority to bind that entity, and references in these Terms to "Licensee," "you," or "your" include that entity.
• Licensee is not located in, ordinarily resident in, or accessing the Services from any jurisdiction in which SCT does not offer Services, or any jurisdiction subject to comprehensive economic sanctions administered by the United States, the United Kingdom, the European Union, or the United Nations.
• Licensee will comply with all laws, regulations, and rules applicable to Licensee's use of the Services, including those of any broker, third-party capital platform, exchange, or other Third-Party Platform Licensee connects to the Services.

SCT may refuse, suspend, or terminate access to the Services for any user who does not satisfy these eligibility requirements.

04 · Description of Services

SCT provides technology infrastructure and software tools to support rules-based, automated, and operator-directed trading workflows.

The Services may include:

• Configuration of the SCT Unlimited Software and its session modules within the supported charting platform and the supported execution platform operated by Licensee.
• Educational materials, methodology disclosures, and operational documentation.
• Setup support, technical assistance, and best-practices guidance.
• Research briefs, methodology updates, and changelogs.
• Access to the SCT Suite app, dashboards, member portals, and related software components.

The Services do not include, and SCT does not provide:

• Investment advice or recommendations as to whether to buy, sell, or hold any security, future, commodity, derivative, or other financial instrument.
• Commodity trading advice tailored to any individual Licensee.
• Brokerage, custodial, or money-transmission services.
• Discretionary trading, managed account, or fund management services.
• Personalised assessments of suitability, risk tolerance, capital allocation, or financial planning.
• Trade execution on Licensee's behalf. All orders are placed by, and executed under the authority of, the Licensee through accounts held in Licensee's name with Third-Party Platforms.

Licensee retains sole control and responsibility for all trading decisions, account selections, position sizing, broker selection, third-party capital platform selection, and risk exposure.

05 · License Grant and Restrictions

Subject to Licensee's continuing compliance with these Terms and payment of all applicable fees, SCT grants Licensee a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Services solely for Licensee's own internal operational use.

Licensee shall not, and shall not permit any other person to:

• Copy, reproduce, modify, translate, adapt, or create derivative works of the Services or any Intellectual Property of SCT, except as expressly permitted by these Terms or a separate Client Software Access Agreement.
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithm logic, or underlying methodology of any SCT software, except to the extent expressly permitted by applicable law.
• Resell, sublicense, rent, lease, distribute, or otherwise commercially exploit the Services or any Intellectual Property of SCT.
• Share, transfer, or grant access to Licensee's account credentials, dashboards, member portal, or licensed software to any other person.
• Use the Services to develop, market, or assist in developing or marketing any competing product, algorithm, service, or educational programme.
• Use the Services in a manner that violates these Terms, any Related Document, any applicable law, or the rules of any Third-Party Platform.

Any breach of this Section 05 constitutes a material breach of these Terms and may result in immediate suspension or termination under Section 18, in addition to any other remedy available to SCT at law or in equity.

06 · Use of Website and Prohibited Conduct

Licensee agrees not to:

• Engage in any unlawful, fraudulent, deceptive, abusive, harassing, or harmful activity in connection with the Services.
• Use the Services to harass, threaten, defame, impersonate, or infringe the rights of any other person.
• Upload, transmit, or distribute any virus, malware, ransomware, trojan horse, worm, or other malicious code through the Services.
• Interfere with, disable, circumvent, or attempt to compromise any security feature, authentication mechanism, rate limit, or access control of the Services.
• Gain or attempt to gain unauthorised access to any account, server, system, network, or data associated with the Services.
• Use the Services to engage in market manipulation, wash trading, layering, spoofing, or any other manipulative or deceptive market practice.
• Misrepresent Licensee's identity, location, or relationship with SCT.
• Interfere with, disrupt, or impair the operation of the Services, the SCT Suite app, the SCT Unlimited Software, or any related software.

SCT may suspend or terminate access to the Services for any violation of this Section 06, in addition to pursuing any other remedy available at law or in equity.

07 · Account Registration and Security

Certain features of the Services require Licensee to register an account, complete onboarding, and provide accurate identifying information.

Licensee agrees to:

• Provide accurate, current, and complete information during registration and onboarding.
• Update Licensee information promptly upon any material change.
• Maintain the confidentiality and security of Licensee's account credentials, including username, password, and any multi-factor authentication mechanism.
• Notify SCT promptly of any unauthorised access to or use of Licensee's account, the SCT Suite app, or any connected Third-Party Platform.
• Accept full responsibility for all activity occurring under Licensee's account, whether or not authorised by Licensee.

SCT is not liable for any loss or damage arising from Licensee's failure to comply with this Section 07. Licensee should never share account credentials, webhook URLs, broker passwords, third-party capital platform passwords, or two-factor authentication codes with any third party, including any person purporting to act on behalf of SCT outside of SCT's designated support channels.

08 · Payment Terms, Fees, and Billing

Fees for the Services are set out in the applicable Package Selection Form, Client Software Access Agreement, invoice, or pricing page at the time of purchase.

Licensee agrees that:

• All fees are payable in advance, in the currency specified, and through the payment method designated by SCT.
• All fees are exclusive of any value-added tax, sales tax, goods and services tax, withholding tax, or similar transaction tax, which Licensee is responsible for paying in addition to the stated fee.
• SCT may engage third-party payment processors, banks, card networks, crypto payment providers, or other service providers to handle payments. SCT does not control the privacy practices, terms, or fees of those third parties.
• Licensee is responsible for providing accurate billing information and updating payment details as needed.
• SCT may, in its discretion, refuse or cancel any order, suspend access pending verification, or require additional information before completing any transaction.

Pricing, fees, packages, and tier structures may change from time to time. Existing licensed tiers and packages are not affected by changes to future pricing unless expressly stated otherwise in writing.

Late, failed, or disputed payments may result in suspension or termination of access to the Services, in addition to any other remedy available to SCT.

09 · Refund and Cancellation Policy

Refund and cancellation terms depend on the product, tier, or package purchased.

Where a Client Software Access Agreement applies, the refund and cancellation provisions of that agreement control.

For Services not governed by a separate Client Software Access Agreement:

• Subscription-based access to dashboards, the SCT Suite app, or community memberships may be cancelled at any time and will remain active until the end of the then-current billing period. Subscription fees already paid are not refundable except as required by applicable consumer protection law.
• One-time licensing fees for Algorithms, session modules, tier upgrades, or methodology disclosures are non-refundable once access has been provisioned, except as required by applicable law.
• Educational materials, methodology documents, and research content are non-refundable once delivered or made accessible.

Where applicable consumer protection law grants Licensee a statutory cooling-off period or right of withdrawal, those rights are preserved and are not limited by these Terms. Where Licensee expressly requests provisioning of digital content during such cooling-off period and acknowledges in writing that the statutory right of withdrawal will be lost upon delivery, that right may be extinguished to the extent permitted by applicable law.

Chargebacks initiated by Licensee without first attempting to resolve the dispute with SCT support may result in immediate suspension of the affected account pending resolution.

10 · Intellectual Property Rights

All Intellectual Property in and to the Services, the SCT Unlimited Software, the Algorithms, the SCT Suite app, methodology disclosures, research briefs, educational materials, design tokens, brand assets, website content, software code, configuration logic, and all related materials is, and shall remain, the exclusive property of SCT, its licensors, or its affiliates.

Except for the limited licence granted in Section 05, nothing in these Terms transfers, assigns, or licenses any Intellectual Property to Licensee. All rights not expressly granted are reserved.

Licensee shall not:

• Copy, modify, distribute, publish, resell, or otherwise commercialise any SCT Intellectual Property.
• Remove, obscure, or alter any copyright notice, trademark, watermark, or proprietary legend appearing in or on any SCT material.
• Use any SCT trademark, logo, or brand asset without the prior written consent of SCT, except as necessary to refer to SCT in a descriptive and accurate manner.
• Share, repost, or redistribute methodology disclosures, research briefs, or training materials to any third party, whether in original or modified form.

Unauthorised use of SCT Intellectual Property may result in legal action, including but not limited to injunctive relief, statutory damages, lost-profit damages, and recovery of legal costs.

11 · Anti-Competitive Use

Licensee shall not, and shall not permit any other person to, copy, store, replicate, or reproduce SCT methodology, trading logic, statistical insights, configuration logic, or proprietary research for the purpose of developing, marketing, or assisting in developing or marketing any competing algorithm, software, trading system, educational programme, or related product or service.

Any violation of this Section is a material breach and may result in immediate suspension and termination, civil legal action (including injunctive relief and recovery of damages, attorneys' fees, and costs), and reporting to relevant authorities where applicable. Licensee acknowledges that breach may cause irreparable harm for which monetary damages alone are inadequate, and that SCT is entitled to seek equitable relief.

12 · Confidentiality

Licensee acknowledges that, in connection with the Services, Licensee may have access to information that is confidential and proprietary to SCT, including but not limited to methodology disclosures, research briefs, configuration logic, internal documentation, training materials, pricing information, customer lists, and other non-public information (collectively, "Confidential Information").

Licensee agrees to:

• Maintain the confidentiality of all Confidential Information and use it solely for Licensee's own internal operational use as expressly permitted under these Terms.
• Not disclose Confidential Information to any third party, including but not limited to other traders, competitors, social media followers, online communities, journalists, or AI systems.
• Protect Confidential Information with at least the same degree of care that Licensee uses to protect Licensee's own confidential information of similar sensitivity, and in no event less than reasonable care.

The obligations of this Section 12 survive termination of these Terms and continue indefinitely with respect to information that retains its confidential character.

Confidential Information does not include information that: (a) is or becomes publicly available through no fault of Licensee; (b) was rightfully known to Licensee without restriction before disclosure by SCT; (c) is rightfully obtained by Licensee from a third party without restriction; or (d) is independently developed by Licensee without use of SCT's Confidential Information.

13 · No Financial, Investment, or Tax Advice

SCT Unlimited is a software and education provider. SCT Unlimited is not a registered investment adviser, commodity trading advisor, broker-dealer, or fund manager. Past performance is not necessarily indicative of future results. Trading futures involves substantial risk of loss and is not suitable for all investors.

SCT operates under the safe-harbour exemption from commodity trading advisor registration provided by CFTC Rule 4.14(a)(9), on the basis that the trading advice embedded in the Services is standardised, generally distributed, and not tailored to the individual circumstances, account positions, or financial situation of any particular Licensee.

SCT provides technology infrastructure, software tools, configuration support, education, and operational documentation. SCT does not provide:

• Investment advice or recommendations.
• Commodity trading advice tailored to any individual Licensee.
• Personalised financial planning or asset-allocation advice.
• Tax, legal, or accounting advice.
• Suitability determinations regarding any product, tier, account type, or configuration.
• Brokerage, custody, or money-transmission services.
• Discretionary trading, managed account, or fund management services.

Nothing on the SCT website, in the SCT Suite app, in any dashboard, in any methodology disclosure, in any research brief, in any educational material, or in any communication from SCT or its personnel shall be construed as:

• A recommendation to buy, sell, or hold any security, future, commodity, derivative, or other financial instrument.
• An offer or solicitation to buy or sell any security, future, commodity, derivative, or other financial instrument.
• A representation or guarantee of any specific trading outcome, profit, loss avoidance, third-party capital platform passing result, payout, or funded account retention.
• Personalised advice based on Licensee's financial condition, capital, income, net worth, risk tolerance, investment objectives, or tax situation.

Licensee is responsible for making Licensee's own decisions and may consult independent qualified financial, legal, tax, and other professional advisors before using the Services. The Risk Disclosure Document and the Methodology Disclosure, delivered to Licensee during onboarding, set out additional disclosures regarding trading risk, automation risk, and the limits of SCT's role.

13.1 United Kingdom and European Union Licensees

For Licensees located in the United Kingdom or the European Union, SCT confirms that it is not authorised or regulated by the Financial Conduct Authority ("FCA") or any equivalent supervisory authority in any Member State of the European Union or European Economic Area. The Services do not constitute "regulated activities" within the meaning of the Financial Services and Markets Act 2000 ("FSMA"), are not provided in the course of an "investment business" as defined under FSMA or equivalent national legislation, and are not intended to constitute a "financial promotion" within the meaning of section 21 of FSMA. SCT does not offer investment advice, portfolio management, or any other regulated services to UK or EU Licensees. Where Licensee is located in a jurisdiction other than the United States, Licensee is responsible for confirming that use of the Services is permitted under local law before entering into these Terms.

14 · Third-Party Platforms, Brokers, and Integrations

The Services may interact with or depend on Third-Party Platforms, including but not limited to the supported charting platform, the supported execution platform, brokers, third-party capital platforms (including evaluation programmes), exchanges, market data providers, payment processors, communication tools, and hosting providers.

Licensee acknowledges and agrees that:

• SCT does not own, operate, or control any Third-Party Platform.
• SCT is not responsible for the availability, performance, accuracy, pricing, rules, terms, decisions, or actions of any Third-Party Platform.
• Third-Party Platforms have their own terms of service, privacy policies, rules, and risk disclosures, which Licensee is solely responsible for reading, understanding, and complying with.
• Third-Party Platforms may change their rules, fees, account terms, payout policies, drawdown calculations, news restrictions, copy-trading restrictions, or other terms at any time without notice to SCT or Licensee.
• SCT is not liable for losses arising from outages, errors, delays, rule changes, account suspensions, payout denials, or other actions of any Third-Party Platform.
• Licensee's interactions with Third-Party Platforms are solely between Licensee and that Third-Party Platform.

15 · Disclaimer of Warranties

THE SERVICES, INCLUDING THE SCT UNLIMITED SOFTWARE, THE ALGORITHMS, THE SCT SUITE APP, DASHBOARDS, METHODOLOGY DISCLOSURES, RESEARCH BRIEFS, EDUCATIONAL MATERIALS, AND ALL RELATED CONTENT, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

To the maximum extent permitted by applicable law, SCT expressly disclaims all warranties, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, and non-infringement.
• Warranties that the Services will be uninterrupted, timely, secure, error-free, or free of viruses or other harmful components.
• Warranties regarding the accuracy, completeness, or reliability of any methodology disclosure, research brief, educational content, historical result, hypothetical result, simulated result, demo result, or backtest.
• Warranties that any Algorithm, session module, configuration, or technology will produce any particular result, pass any third-party capital platform evaluation, retain any funded account, generate any profit, avoid any loss, or perform consistently with any historical period.
• Warranties regarding any Third-Party Platform.

No oral or written information or advice provided by SCT or its personnel shall create any warranty not expressly set out in these Terms.

Some jurisdictions do not allow the exclusion of certain implied warranties or the limitation of statutory consumer rights. To the extent any such law applies, this Section 15 applies only to the maximum extent permitted by law and does not affect any statutory rights that cannot be excluded.

16 · Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SCT, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY:

• Indirect, incidental, special, punitive, exemplary, or consequential damages of any kind.
• Loss of profits, loss of trading capital, loss of trading performance, trading losses, third-party capital platform account losses, funded account losses, payout denials, lost opportunity, lost goodwill, lost data, or business interruption.
• Damages arising from any Third-Party Platform, including any broker, third-party capital platform, exchange, market data provider, payment processor, hosting provider, or other Third-Party Platform.
• Damages arising from market volatility, slippage, liquidity, latency, order rejection, news events, contract roll, halts, or other market conditions.
• Damages arising from Licensee's misuse of the Services, failure to follow setup instructions, failure to monitor accounts, or failure to follow best practices.

EVEN IF SCT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE LEGAL THEORY ON WHICH ANY CLAIM IS BASED.

Subject to the foregoing, the total aggregate liability of SCT to Licensee for all claims arising from or related to these Terms, the Services, or the use of the Services, in any twelve-month period, shall not exceed the greater of:

• The total fees actually paid by Licensee to SCT under these Terms in the twelve (12) months immediately preceding the event giving rise to the claim, or
• Five hundred U.S. dollars (USD 500).

Some jurisdictions do not allow the exclusion or limitation of certain damages. To the extent any such law applies, this Section 16 applies only to the maximum extent permitted by law and does not affect any statutory rights that cannot be excluded. Nothing in these Terms limits or excludes liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be lawfully limited or excluded.

17 · Indemnification

Licensee agrees to indemnify, defend, and hold harmless SCT, its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, demands, actions, investigations, proceedings, losses, damages, liabilities, judgments, settlements, costs, and expenses (including reasonable attorneys' fees and disbursements) arising out of or relating to:

• Licensee's access to or use of the Services.
• Licensee's violation of these Terms or any Related Document.
• Licensee's violation of any law, regulation, or rule applicable to Licensee's use of the Services or Licensee's trading activity.
• Licensee's violation of the rights of any third party, including any Third-Party Platform, broker, third-party capital platform, or other person.
• Licensee's trading activity, account decisions, configurations, or position sizing.
• Any dispute between Licensee and any Third-Party Platform.

SCT reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by Licensee, and Licensee agrees to cooperate with SCT in such defence. Licensee shall not settle any indemnified claim without the prior written consent of SCT. The obligations of this Section 17 survive termination of these Terms.

To the extent applicable law restricts the indemnification obligations of a consumer in favour of a trader, this Section 17 applies only to the maximum extent permitted by law.

18 · Termination

SCT may suspend, restrict, or terminate Licensee's access to the Services at any time, with or without notice, for any reason, including but not limited to:

• Breach of these Terms or any Related Document.
• Suspected fraud, abuse, security threat, or misuse of the Services.
• Competitive misuse, scraping, AI training, reverse engineering, or other prohibited activity under Section 11.
• Abuse of support, staff, or systems.
• Non-payment of fees.
• Regulatory, legal, or compliance reasons.
• Discontinuation of the Services or any component thereof.

Licensee may terminate Licensee's account at any time by following the cancellation procedure set out in the dashboard or by contacting SCT support.

Upon termination:

• Licensee's right to access and use the Services immediately ceases.
• Licensee must cease all use of SCT Intellectual Property and destroy or return any Confidential Information in Licensee's possession.
• Fees paid for the then-current billing period are non-refundable except as required by applicable law.

Sections 10 (Intellectual Property), 11 (Anti-Scraping and Anti-AI-Training), 12 (Confidentiality), 13 (No Financial Advice), 15 (Disclaimer of Warranties), 16 (Limitation of Liability), 17 (Indemnification), 19 (Arbitration), 20 (Governing Law), and any other provision which by its nature is intended to survive termination, shall survive.

19 · Mandatory Binding Arbitration; Waiver of Class Actions

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS LICENSEE'S LEGAL RIGHTS, INCLUDING THE RIGHT TO BRING A LAWSUIT IN COURT AND THE RIGHT TO A JURY TRIAL.

19.1 Agreement to Arbitrate

Any dispute, claim, or controversy of any kind arising out of or relating to these Terms, the Services, any Related Document, or the relationship between Licensee and SCT (a "Dispute") shall be resolved exclusively through final and binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, or, where the Dispute is determined by the AAA to fall outside the scope of the Consumer Arbitration Rules, under its Commercial Arbitration Rules then in effect.

19.2 Waiver of Court and Jury Trial

Licensee and SCT each waive any right to file a lawsuit in court and any right to a jury trial. Arbitration is the exclusive dispute-resolution mechanism for any Dispute.

19.3 Waiver of Class Actions

LICENSEE AND SCT EACH WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, CONSOLIDATED ARBITRATION, REPRESENTATIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER PROCEEDING IN WHICH ANY PERSON ACTS IN A REPRESENTATIVE CAPACITY. ONLY INDIVIDUAL CLAIMS ARE PERMITTED. THIS WAIVER APPLIES IN BOTH ARBITRATION AND, IF THIS SECTION 19 IS HELD INVALID OR UNENFORCEABLE FOR ANY REASON, IN COURT.

19.4 Venue and Procedure

The arbitration shall be conducted in Sheridan, Wyoming, United States, before a single arbitrator selected in accordance with the AAA rules. The arbitration may be conducted by videoconference where permitted under the applicable AAA rules. The language of the arbitration shall be English. Judgment on the arbitral award may be entered in any court of competent jurisdiction. The arbitrator shall have authority to award any remedy available in an individual action under applicable law, including but not limited to monetary damages, declaratory relief, and injunctive relief, but shall not have authority to award class-wide, consolidated, or representative relief.

19.5 Carve-Outs

Notwithstanding the foregoing, either party may bring an action in any court of competent jurisdiction for: (a) injunctive or other equitable relief to protect Intellectual Property, Confidential Information, or to enforce Sections 10, 11, or 12; (b) collection of undisputed amounts owed; or (c) any claim that, by applicable law, cannot be subjected to mandatory arbitration.

19.6 Consumer Protection Carve-Out

Nothing in this Section 19 limits any mandatory consumer protection right that Licensee may have under the law of Licensee's country of habitual residence, where such rights cannot be lawfully excluded or limited by contract. Where applicable law in Licensee's jurisdiction prohibits pre-dispute mandatory arbitration of consumer claims, this Section 19 shall not apply to those claims to the extent of the prohibition.

19.7 Survival

This Section 19 survives termination of these Terms and Licensee's use of the Services.

20 · Governing Law and Jurisdiction

These Terms and any Dispute shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict-of-law principles.

Subject to Section 19 (Mandatory Binding Arbitration), the state and federal courts located in Sheridan, Wyoming shall have exclusive jurisdiction to hear and determine any matter not subject to arbitration.

Nothing in this Section 20 limits any mandatory consumer protection right that Licensee may have under the law of Licensee's country of habitual residence, where such rights cannot be lawfully excluded or limited by contract.

21 · Notices and Communications

All formal legal notices to SCT shall be in writing and delivered to:

SCT Consulting LLC

Attention: Legal — Terms of Service Notices

30 N Gould St Ste R

Sheridan, Wyoming 82801

United States

Email: support@sctsuite.com

Notices to Licensee shall be delivered to the email address associated with Licensee's account, or to such other address as Licensee may designate in writing.

Operational, support, and account communications may be delivered through the dashboard, the SCT Suite app, email, or any other channel reasonably designated by SCT. Licensee is responsible for keeping Licensee's contact information accurate and current.

22 · Force Majeure

Neither SCT nor Licensee shall be liable for any failure or delay in performance of any obligation under these Terms to the extent caused by an event beyond the reasonable control of that party, including but not limited to: acts of God; natural disasters; pandemics or public health emergencies; war, terrorism, or civil unrest; cyber attacks, ransomware, denial-of-service attacks; failures of internet service providers, hosting providers, payment processors, brokers, third-party capital platforms, exchanges, or other Third-Party Platforms; governmental orders, sanctions, or regulatory action; and labour disputes.

The affected party shall use commercially reasonable efforts to resume performance promptly upon resolution of the force majeure event.

23 · Severability and Entire Agreement

If any provision of these Terms is held invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to render it valid and enforceable while preserving the original intent of the parties to the maximum extent possible.

These Terms, together with the Related Documents, constitute the entire agreement between Licensee and SCT with respect to the Services and supersede all prior agreements, understandings, and communications, whether written or oral, regarding the subject matter hereof. In the event of any conflict between these Terms and a signed Client Software Access Agreement or Package Selection Form, the order of precedence set out in the Client Software Access Agreement controls.

No waiver of any provision of these Terms shall be effective unless in writing and signed by SCT. No failure or delay by SCT in exercising any right under these Terms shall operate as a waiver of that right.

24 · Changes to These Terms

SCT may update these Terms from time to time. The updated Terms shall be effective when posted on the SCT website or otherwise made available to Licensee, unless a later effective date is specified.

Where changes are material, SCT may provide additional notice through the dashboard, the SCT Suite app, email, or another reasonable method. Continued use of the Services after the effective date of an update constitutes acceptance of the updated Terms. If Licensee does not agree to the updated Terms, Licensee must cease using the Services.

25 · Contact Information

For questions regarding these Terms, please contact:

SCT Consulting LLC

30 N Gould St Ste R, Sheridan, Wyoming 82801, United States

Email: support@sctsuite.com

Website: sctsuite.com