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End User Licence Agreement ‘EULA’

ADDENDUM C TO GOLDWISE TERMS OF SERVICE THE END USER LICENCE AGREEMENT ‘EULA’ FOR OUR GOLDWISE APP

Last Updated: 01 June 2025

PLEASE READ THIS END USER LICENCE AGREEMENT CAREFULLY

BY ACCESSING THE GOLDWISE PLATFORM, YOU AGREE TO THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE OUR GOLDWISE PLATFORM. Who we are and what this End User Licence Agreement does EITHER IF YOU RESIDE IN OR ARE FORMED IN THE UNITED KINGDOM, YOU WILL BE CONTRACTING WITH GOLDWISE HOLDINGS LIMITED, AS FOLLOWS: (A) We, Goldwise Holdings Limited, a company limited by shares registered in England and Wales under company number 13223773 whose registered office is at Tramshed Tech, Pendyris Street, Cardiff, CF11 6BH, United Kingdom (Goldwise, we, us and our) license you to use: the mobile application software, the data supplied with the software, and any updates or supplements to it (App). any related online documentation (Documentation). the service you connect to via the App or the Website and the content we provide to you through either of them (Service). as permitted in this End User Licence Agreement. (B)            ADDENDUM A1. TO THE GOLDWISE TERMS OF SERVICE APPLIES TO CUSTOMERS IN THE UNITED KINGDOM WHO ARE CONTRACTING WITH GOLDWISE HOLDINGS LIMITED AS IF REPEATED IN THIS EULA MUTATIS MUTANDIS OR IF YOU ARE RESIDE IN OR ARE FORMED IN THE EUROPEAN UNION OR EUROPEAN ECONOMIC AREA, YOU WILL BE CONTRACTING WITH GOLDWISE EUROPE UAB AS FOLLOWS: – (A) We, Goldwise Europe UAB, a company registered in Lithuania under company number 306112468 whose principal place of business is at Didžioji g. 18, LT-01128 Vilnius, Republic of Lithuania (Goldwise, we, us and our) license you to use: the mobile application software, the data supplied with the software, and any updates or supplements to it (App). any related online documentation (Documentation). the service you connect to via the App or the Website and the content we provide to you through them (Service). as permitted in this End User Licence Agreement. (B)            ADDENDUM A2. TO THE GOLDWISE TERMS OF SERVICE APPLIES TO CUSTOMERS IN THE EU WHO ARE CONTRACTING WITH GOLDWISE EUROPE UAB AS IF REPEATED IN THIS EULA MUTATIS MUTANDIS AND (C) THE REMAINING PROVISIONS OF THIS END USER LICENCE AGREEMENT APPLY BETWEEN YOU AND US In this End User Licence Agreement (“End User Licence Agreement” or “EULA” or “Terms“), capitalised terms have the meaning given to them in the Goldwise Terms of Service or otherwise the meaning given to them above or below in this EULA. References to “Goldwise”, “we”, “our”, or “us” mean the contracting entity listed for your country above, which is the legal person with whom you contract pursuant to this EULA. References to “you” or “your” mean you, in your capacity as a Registered User and/or a Customer (as the context shall require). To the extent this End User Licence Agreement conflicts with the entity-specific Addendum to the Goldwise Terms of Service, the Website Terms of Use, this End User Licence Agreement or the Goldwise Privacy Policy, the following order of precedence shall apply:- (a) firstly, the entity-specific Addendum to the Goldwise Terms of Service, (b) secondly, the Goldwise Terms of Service, (c) thirdly, the Website Terms of Use, (d) fourthly, this End User Licence Agreement, (d) finally, the Goldwise Privacy Policy. All defined terms have the meaning provided to them in the Goldwise Terms of Service unless modified by this Addendum. Please refer to Addendum A to the Goldwise Terms of Service to confirm the Goldwise entity which you are contracting with. References to this End User Licence Agreement to “Goldwise Contract Terms” means this End User Licence Agreement, the entity-specific Addendum to the Goldwise Terms of Service, the Goldwise Terms of Service, the Website Terms of Use and the Goldwise Privacy Policy, all of which apply to your contract with us and which form the entire agreement between you and us. Each party acknowledges that in entering into the Goldwise Contract Terms it does not rely on any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in the Goldwise Contract Terms. Each party agrees that it shall have no claim for innocent or negligent misrepresentation or negligent misstatement based on any statement in the Goldwise Contract Terms.

YOUR PRIVACY

Under data protection legislation, we are required to provide you with certain information including who we are, how we process your personal data and for what purposes and your rights in relation to your personal data and how to exercise them. This information is provided in Goldwise’s Privacy Policy and it is important that you read that information.

TERMS FOR APPSTORES MAY ALSO APPLY

The ways in which you can use Goldwise Platform and Documentation may also be controlled by the appstore from which your download the App (“AppStore”)’s rules and policies will apply instead of this End User Licence Agreement where there are differences between the two.  The operating system requirements for use of Goldwise’s App are also set out on the relevant AppStore.

Support for Goldwise Platform and how to tell us about problems

Support. If you want to learn more about the Goldwise Platform or have any problems using it, please take a look at our support resources at https://www.goldwise.com/support Contacting us (including with complaints). If you think the Goldwise Platform is faulty or misdescribed or wish to contact us for any other reason, please email our customer service team at [email protected] or call us on +44 (29) 2105 5383. How we will communicate with you. If we have to contact you, you accept that we may send information to you by Comms. It is your responsibility to ensure you have up-to-date and in-service means to receive communications made via these Comms.  We are entitled to rely on the assumption that a communication was received in the absence of clear evidence to the contrary. To the extent permitted by law, we are not responsible for losses you incur as a result of any such Comms not being delivered due to circumstances beyond our control. How you may use the Goldwise platform, including how many devices you may use In return for your agreeing to comply with this End User Licence Agreement you may:
  • download or stream a copy of the App onto your chosen devices and view, use and display the Goldwise Platform and the Service on such devices for your personal purposes only. .
  • for corporate customers, use and display the App and the Service on such corporate devices for use by those of your employees, sub-contractors or workers who are authorised to use the App and the Service on your behalf (“End Users”) and permit your End Users to and view, use and display the Goldwise Platform and the Service on such devices for business purposes.
  • use any Documentation to support your permitted use of the Goldwise Platform and the Service.
  • provided you comply with the Goldwise Contract Terms, make up to 2 copies of the App and the Documentation for back-up purposes; and
  • receive and use any free supplementary software code or update of the App incorporating “patches” and corrections of errors as we may provide to you.
YOU MUST BE 18 TO ACCEPT THIS END USER LICENCE AGREEMENT AND USE THE GOLDWISE PLATFORM YOU MAY NOT TRANSFER THE GOLDWISE PLATFORM TO SOMEONE ELSE We are giving you personally the right to use the Goldwise Platform and the Service as set out above. Whilst you may have sharing rights as set out above, you may not otherwise transfer the Goldwise Platform or the Service to someone else, whether for money, for anything else or for free. If you sell any device on which the App is installed, you must remove the App from it. You are responsible for the security of your devices and must adequately secure them at all times and use our security features to protect your Account, including but not limited to passwords, pin codes, biometrics and two-factor authentication.

Changes to this End User Licence Agreement

We may need to change this End User Licence Agreement to reflect changes in law or best practice or to deal with additional features which we introduce. We will post any changes to this EULA on the Goldwise Platform from time to time and it is your responsibility to regularly review it. If you do not accept the notified changes you will have to stop using the Goldwise Services and must close down your Account in accordance with our Goldwise Terms of Service. Update to the Goldwise Platform and changes to the Service From time to time we may automatically update the Goldwise Platform and change the Service to improve performance, enhance functionality, reflect changes to the operating system or address security issues. Alternatively we may ask you to update the App for these reasons. If you choose not to install such updates or if you opt out of automatic updates you may not be able to continue using the App and the Services. The App will always work with the current or previous version of the operating system (as it may be updated from time to time) and match the description of it provided to you when you bought it. If someone else owns the phone or device you are using If you download or stream the App onto any phone or other device not owned by you, you must have the owner’s permission to do so. Our Customer will be responsible for complying with this End User Licence Agreement, whether or not our Customer owns the phone or other device and our Customer is responsible for the acts and omissions of its End Users. We are not responsible for other websites you link to The Goldwise Platform or any Service may contain links to other independent websites which are not provided by us. Such independent sites are not under our control, and we are not responsible for and have not checked and approved their content or their privacy policies (if any). You will need to make your own independent judgement about whether to use any such independent sites, including whether to buy any products or services offered by them.

Licence restrictions

You agree that you will: except in the course of permitted sharing as outlined above, not rent, lease, sub-license, loan, provide, or otherwise make available, the Goldwise Platform or the Services in any form, in whole or in part to any person without prior written consent from us; not copy the Goldwise Platform, Documentation or Services, except as part of the normal use of the Goldwise Platform or where it is necessary for the purpose of back-up or operational security; not translate, merge, adapt, vary, alter or modify, the whole or any part of the Goldwise Platform, Documentation or Services nor permit the Goldwise Platform or the Services or any part of them to be combined with, or become incorporated in, any other programs, except as necessary to use the Goldwise Platform and the Services on devices as permitted in this End User Licence Agreement; not disassemble, de-compile, reverse engineer or create derivative works based on the whole or any part of the Goldwise Platform nor attempt to do any such things, except to the extent that (by virtue of sections 50B and 296A of the Copyright, Designs and Patents Act 1988) such actions cannot be prohibited because they are necessary to decompile the Goldwise Platform to obtain the information necessary to create an independent program that can be operated with the Goldwise Platform or with another program (“Permitted Objective”), and provided that the information obtained by you during such activities: is not disclosed or communicated without the Licensor’s prior written consent to any third party to whom it is not necessary to disclose or communicate it in order to achieve the Permitted Objective; and is not used to create any software that is substantially similar in its expression to the Goldwise Platform; is kept secure; and is used only for the Permitted Objective; comply with all applicable technology control or export laws and regulations that apply to the technology used or supported by the Goldwise Platform or any Service. Acceptable use restrictions You must: not use the Goldwise Platform or any Service in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with this End User Licence Agreement, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, such as viruses, or harmful data, into the Goldwise Platform, any Service or any operating system; not infringe our intellectual property rights or those of any third party in relation to your use of the Goldwise Platform or any Service (to the extent that such use is not licensed by this End User Licence Agreement); not transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the Goldwise Platform or any Service; not use the Goldwise Platform or any Service in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users; and not collect or harvest any information or data from any Service or our systems or attempt to decipher any transmissions to or from the servers running any Service. Intellectual property rights All intellectual property rights in the Goldwise Platform, the Documentation and the Services throughout the world belong to us (or our licensors) and the rights in the Goldwise Platform and the Services are licensed (not sold) to you. You have no intellectual property rights in, or to, the Goldwise Platform, the Documentation or the Services other than the right to use them in accordance with this End User Licence Agreement. Limitations to the Goldwise Platform and the Services. The Goldwise Platform and the Services are provided for general information, investing and trading purposes only. They do not offer advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of information obtained from the Goldwise Platform or the Service. Although we make reasonable efforts to update the information provided by the Goldwise Platform and the Service, we make no representations, warranties or guarantees, whether express or implied, that such information is accurate, complete or up to date. Check that the Goldwise Platform and the Services are suitable for you. The Goldwise Platform and the Services have not been developed to meet your individual requirements. Please check that the facilities and functions of the Goldwise Platform and the Services (as described on the Appstore site and in the Documentation) meet your requirements. We are not responsible for events outside our control. If our provision of the Services or support for the Goldwise Platform or the Services is delayed by an event outside our control then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay. Provided we do this we will not be liable for delays caused by the event but if there is a risk of substantial delay you may contact us to end your contract with us and Section 20 of the Goldwise Terms of Service will apply. We may end your rights to use the Goldwise Platform and the Services if you break this End User Licence Agreement We may end your rights to use the Goldwise Platform and Services at any time by contacting you if you fail to satisfy our AML/CTF requirements or if you have broken this End User Licence Agreement in a serious way. If we end your rights to use the Goldwise Platform and Services: You must stop all activities authorised by this End User Licence Agreement, including your use of the Goldwise Platform and any Services and section 9 of the Goldwise Terms of Service shall be implemented to close down your Account. You must delete or remove the Goldwise Platform from all devices in your possession and immediately destroy all copies of the Goldwise Platform which you have and confirm to us that you have done this. We may remotely access your devices and remove the App from them and cease providing you with access to the Services.

We may transfer this End User Licence Agreement to someone else

We may transfer our rights and obligations under this End User Licence Agreement to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

You need our consent to transfer your rights to someone else

You are not permitted to transfer your rights or your obligations under this End User Licence Agreement to another person unless we agree in writing.

No rights for third parties

This End User Licence Agreement does not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this End User Licence Agreement.

If a court finds part of this End User Licence Agreement illegal, the rest will continue in force

Each of the paragraphs of this End User Licence Agreement operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

Even if we delay in enforcing this End User Licence Agreement, we can still enforce it later

Even if we delay in enforcing this End User Licence Agreement, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under this End User Licence Agreement, or if we delay in taking steps against you in respect of your breaking this End User Licence Agreement, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.

Which country’s laws apply to any disputes?

The law governing this End User Licence Agreement are governed by the substantive law of the jurisdiction referenced in your applicable Addendum A which is appended to the Goldwise Terms of Service. Unless required by applicable law, you may not initiate or otherwise participate in class action lawsuits, class-wide arbitrations, private regulatory actions, and any other proceeding where you or someone seeking to proceed on your behalf acts in a representative capacity. You agree to engage in good faith negotiations to resolve any dispute arising out of or in connection with this End User Licence Agreement. Any such negotiation may be initiated via any of the Comms (as defined in the Goldwise Terms of Service). Should any such dispute not be resolved via good faith negotiations, it shall be referred by us to and finally resolved by arbitration under the jurisdiction in which you reside with the contracting entity listed in Section 1 of the Goldwise Terms of Service. Please see your applicable Addendum A which is appended to the Goldwise Terms of Service for the complete arbitration agreement. You agree to comply with all applicable laws for the jurisdiction in which you use the Services (as defined in the Goldwise Terms of Service).