Create an Account or Sign in Email Password Confirm Password Username First Name Last Name I have read and agree to the Terms of Use and Privacy Policy. Terms of Use Last updated: August 17, 2026 · Effective: August 17, 2026 1. Acceptance of Terms By accessing or using the Capopedia platform at capopedia.com (the “Platform”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree, do not use the Platform. These Terms should be read together with our Privacy Policy. In these Terms, “Capopedia,” “we,” “our,” and “us” refer to the operator of the Platform. These Terms apply to all access to and use of the Platform, whether or not you register an account. 2. Eligibility and Registration 2.1 The Platform is intended for personal, business, and professional use by individuals aged 18 or older. By registering, you confirm you meet this requirement. 2.2 To access certain features, you must register for a free account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. 2.3 We reserve the right to refuse registration, suspend, or terminate accounts at our sole discretion, including where we believe a user has violated these Terms. 2.4 At this stage, access to the Platform is provided free of charge to registered users. We reserve the right to introduce paid subscription tiers in the future. If and when paid tiers are introduced, separate subscription terms will apply and will be presented to you for acceptance before any payment is required. 3. Platform Description and Permitted Use 3.1 Capopedia provides automated, model-generated financial analyses, including estimated intrinsic values for publicly listed companies, together with company profiles, peer comparisons, research tools, and related features for informational and research purposes. 3.2 You may access and use Platform content solely for your own personal, internal business, or research purposes. You must not: Reproduce, distribute, resell, sublicense, or commercially exploit any Platform content without our prior written consent Use automated tools, bots, scrapers, or crawlers to extract data from the Platform Share your account credentials with others or allow third parties to access the Platform through your account Use the Platform to advertise, sell, or promote goods or services Transfer or sell your account or profile to any third party Attempt to reverse-engineer, decompile, or otherwise access the underlying technology of the Platform Use the Platform or any Platform content to develop, benchmark, or train a competing product, service, or dataset, or any artificial intelligence or machine learning model 3.3 Feedback, suggestions, and error reports you submit are non-confidential, and we may use them without restriction or obligation to you. 4. Informational Purpose: Not Financial or Professional Advice 4.1 All content on the Platform, including intrinsic value estimates, financial data, company profiles, and research summaries, is provided for informational purposes only. 4.2 Nothing on the Platform constitutes financial, investment, legal, procurement, or professional advice of any kind. Capopedia is not a licensed financial adviser, broker, or investment manager under any applicable law. Nothing on the Platform constitutes an offer, solicitation, or recommendation to buy, sell, or hold any security or other financial instrument, and no fiduciary, advisory, or client relationship is created by your use of the Platform. 4.3 You are solely responsible for any decisions made based on content accessed through the Platform. We strongly recommend you independently verify all material information before acting on it. Past performance does not guarantee future results, and all investments carry a risk of loss, including loss of principal. 4.4 Intrinsic values and other figures published on the Platform are outputs of quantitative models and depend on assumptions, estimates, and third-party data. They are estimates only, not price targets, forecasts, or guarantees, and may differ materially from prevailing market prices or actual outcomes. No representation is made that any security will reach or trade at any published value. 4.5 Watchlists, alerts, and peer comparisons reflect your own selections and settings. An alert is an automated notification that conditions you set have been met; it is not a recommendation, and the availability of any feature for a particular security is not an endorsement of that security. 5. Automated and AI-Assisted Content 5.1 Platform content is produced by automated data processing and quantitative valuation models. Artificial intelligence, including large language models, is used to extract and organise information from source filings and data feeds, and certain content may be prepared with AI assistance. While we take reasonable steps to ensure accuracy, content produced or prepared in this way may contain errors, omissions, or outdated information. 5.2 We make no warranties, express or implied, as to the accuracy, completeness, reliability, or timeliness of any Platform content. 5.3 You acknowledge that automatically generated content is not a substitute for independent professional research and verification. 5.4 Charts and visualisations on the Platform are simplified presentations. They may aggregate, omit, scale, or otherwise transform underlying data, and should not be read as complete representations of that data. 6. Intellectual Property 6.1 All content, dossiers, rankings, data, software, and materials on the Platform are the exclusive intellectual property of Capopedia and are protected by applicable copyright and intellectual property laws. 6.2 You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use Platform content solely for your own internal purposes during the period your account remains active. 6.3 This licence does not permit reproduction, redistribution, sublicensing, or commercial exploitation of any Platform content. 7. Third-Party Data and Links The Platform may contain links to third-party websites for reference and citation purposes. We do not own, control, or endorse those websites and are not responsible for their content, accuracy, or availability. You access third-party sites at your own risk. Platform content also incorporates data obtained from government and commercial third-party sources. Such data is provided on an as-is basis; we do not guarantee its accuracy, completeness, or timeliness, and the relevant providers make no warranties and accept no liability to you in respect of it. Your licence to use Platform content does not include any right to extract, redistribute, or commercially exploit third-party data incorporated in the Platform. 8. Prohibited Activities In addition to the restrictions in Section 3, you must not: Use the Platform for any unlawful purpose or in violation of any applicable law or regulation Attempt to gain unauthorized access to any part of the Platform or its underlying systems Circumvent or attempt to circumvent any access restriction, rate limit, or other technical protection measure on the Platform Interfere with or disrupt the integrity or performance of the Platform Impersonate any person or entity or misrepresent your affiliation with any person or entity Use Platform content in any way that infringes the intellectual property rights of Capopedia or any third party Use Platform content in connection with market manipulation, insider trading, or any other activity that violates applicable securities laws or regulations 9. Copyright Infringement Notification If you believe any content on the Platform infringes your copyright, please notify us at [email protected] with the following information: a description of the copyrighted work, the location of the allegedly infringing content on the Platform, your contact details, and a statement of good faith belief that the use is not authorized. We will review and respond to valid notices in accordance with applicable law. 10. Disclaimer of Warranties The Platform is provided on an “as is” and “as available” basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Platform will be uninterrupted, error-free, or free of harmful components. 11. Limitation of Liability 11.1 To the fullest extent permitted by applicable law, Capopedia shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, loss of data, or losses arising from reliance on Platform content. 11.2 To the fullest extent permitted by applicable law, our total aggregate liability to you for any and all claims arising from your use of the Platform shall not exceed SGD 100. Where you have paid us fees in the preceding 12 months, our liability shall not exceed the greater of SGD 100 or the total fees paid by you in that period. 11.3 Nothing in these Terms limits our liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation. 11.4 Your sole and exclusive remedy for any dissatisfaction with the Platform is to stop using it. 12. Indemnification You agree to indemnify and hold harmless Capopedia and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Platform, your violation of these Terms, or your infringement of any third-party rights. 13. Governing Law and Dispute Resolution 13.1 These Terms are governed by the laws of Singapore. If you are a consumer, nothing in these Terms excludes or limits any rights or protections that you cannot waive under the mandatory laws of the country in which you reside. 13.2 Any dispute arising out of or in connection with these Terms shall first be submitted to informal resolution by contacting us at [email protected]. If not resolved within 30 days, the dispute shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) in accordance with its rules, with the seat of arbitration in Singapore, conducted in English. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction in respect of any infringement or misuse of our intellectual property or Platform content, including unauthorised access, extraction, or redistribution. 13.3 You agree to bring any claim against Capopedia solely in your individual capacity and not as a plaintiff or class member in any class action proceeding. 14. Regulatory Notices 14.1 The Platform is subject to Singapore’s Personal Data Protection Act 2012. Users outside Singapore may have additional rights under the data protection laws of their place of residence, as described in our Privacy Policy. 14.2 Platform content does not constitute regulated financial advice under the Financial Advisers Act 2001 or the Securities and Futures Act 2001 of Singapore, or equivalent legislation in any other jurisdiction. 15. Future Paid Services We may introduce paid subscription tiers in the future. When we do, separate subscription and payment terms will be presented to you for your explicit acceptance before any charges are incurred. The introduction of paid tiers will not, by itself, result in any charge to you; you will never be charged unless you have explicitly accepted separate subscription terms. The scope of features included in the free tier may change over time in accordance with Section 16. 16. Modifications to the Platform and these Terms 16.1 Changes to the Platform. The Platform will evolve over time. We may add, change, suspend, discontinue, remove, or reorganise features or content, and may move features between the open, registered, and any future paid tiers, at any time. Where reasonably practicable, we will give registered users advance notice of material reductions in the features available to them. 16.2 Changes to these Terms. We reserve the right to modify these Terms at any time. Material changes will be notified via the Platform or email at least 14 days before taking effect. Non-material changes, and changes required for legal, regulatory, or security reasons, may take effect immediately upon posting. Continued use of the Platform after changes take effect constitutes acceptance of the updated Terms. 17. Termination We may suspend or terminate your access to the Platform at any time without notice if we reasonably believe you have violated these Terms. You may close your account at any time by contacting us at [email protected]. Upon termination or closure of your account, we may delete your account data, including watchlists and alert settings, and we are not obliged to retain it or provide copies. 18. General If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect. These Terms, together with the Privacy Policy and any subscription terms you accept, constitute the entire agreement between you and Capopedia regarding the Platform. Our failure to enforce any provision is not a waiver of it. You may not assign or transfer your rights or obligations under these Terms without our prior written consent; we may assign ours in connection with a merger, acquisition, or corporate reorganisation. We are not liable for any delay or failure to perform caused by events beyond our reasonable control. A person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of these Terms. Sections 3, 4, 5, 6, 7, 8, 10, 11, 12 and 13, and this section, survive termination. 19. Contact [email protected] × Privacy Policy Last updated: August 17, 2026 · Effective: August 17, 2026 1. Introduction Capopedia (“Capopedia,” “we,” “our,” or “us”), the operator of the Platform, is committed to protecting your personal data. This Privacy Policy explains what data we collect, how we use it, who we share it with, and the rights you have over it, in connection with your use of the Capopedia platform at capopedia.com (the “Platform”). This Policy should be read together with our Terms of Use. By using the Platform, you agree to the collection and use of your information as described in this Policy. If you do not agree, please do not use the Platform. 2. Governing Framework 2.1 This Policy is governed by Singapore’s Personal Data Protection Act 2012 (“PDPA”). Users outside Singapore may have additional rights under the data protection laws of their place of residence. 2.2 This Policy applies to visitors to our website, guest users of features available without an account, registered users of Capopedia, and users of related services we operate where data is shared across our network (see Section 6). 3. Data We Collect 3.1 Account information. When you register, we collect your username, first and last name, email address, and password (stored in hashed form only). If you sign up using a third-party sign-in service, we receive your name and email address from that service. 3.2 Usage data. Pages visited, dossiers viewed, searches performed, features used, session duration, and click patterns, collected via analytics tooling. 3.3 Device and technical data. IP address, browser type, operating system, device identifiers, and cookie data (see Section 9). 3.4 User-submitted data. If you create watchlist entries, set alerts, select peer companies for comparison, or submit feedback or flags for review, we collect and store this content to provide the service. 3.5 Guest use. If you use features available without an account, we collect the queries you submit and session data (such as IP address and usage counts) needed to operate the feature and enforce usage limits. 3.6 Communications. Records of support requests, feedback, and any correspondence you send us. 3.7 Payment information. Currently not collected. If paid subscription tiers are introduced, billing details will be handled by our payment processor. We will not store full card numbers. We do not intentionally collect sensitive personal data such as health information, biometric data, or third-party financial account credentials as part of normal Platform use. 4. How We Use Your Data We use your data to: Provide and maintain the Platform, including generating and displaying Company Dossiers and research tools Authenticate your account and maintain security Send service notifications you have enabled, such as valuation threshold alerts and earnings date reminders Send marketing communications, only where you have separately opted in (see Section 12) Improve the Platform through aggregated and anonymised usage analysis Detect, prevent, and respond to fraud, abuse, or security incidents Comply with applicable legal obligations 5. Legal Basis for Processing Under the PDPA, we process your data on the following bases: Consent: for account registration, optional marketing communications, and non-essential cookies Deemed consent or contractual necessity: to provide the Platform features you have signed up for Legitimate interests: for security, fraud prevention, and service improvement, balanced against your rights Legal obligation: where required by applicable law, including regulatory or law enforcement requests Where we rely on consent, you may withdraw it at any time (see Section 10). Withdrawal may limit access to certain features. 6. Data Sharing 6.1 Within our group. Certain account and usage data may be shared across other services we operate where you use more than one, to provide a consistent experience. We do not share your data with unaffiliated third parties for their own marketing purposes. 6.2 Service providers. We share data with third-party processors who help us operate the Platform, including: Artificial intelligence and machine-learning service providers for automated content processing and analysis Cloud hosting and infrastructure providers Analytics providers Email and communications providers for sending notifications 6.3 Legal disclosures. We may disclose data where required by law, court order, or regulatory authority, or where necessary to protect the rights, property, or safety of Capopedia, our users, or the public. 6.4 Business transfers. If Capopedia is involved in a merger, acquisition, or asset sale, your data may be transferred as part of that transaction, subject to equivalent privacy protections. 6.5 No sale of personal data. We do not sell your personal data to any third party. 7. International Data Transfers Some of our service providers process data outside Singapore. Where we transfer personal data overseas, we take steps required under the PDPA to ensure recipients provide a standard of protection comparable to the PDPA, including through contractual safeguards. By using the Platform, you consent to such transfers as necessary to provide the service. 8. AI-Generated Content and Your Data When you use AI-powered or interactive features, your queries and submitted content may be processed by third-party AI providers (see Section 6.2) to generate responses. 9. Cookies and Tracking Technologies We use cookies and similar technologies to: Keep you logged in and remember your preferences (essential cookies, which cannot be disabled as they are necessary for the Platform to function) Understand usage patterns via analytics tools (non-essential cookies, which require your consent where legally required) Support features such as saved watchlists You may also manage cookies through your browser settings at any time. 10. Your Rights Subject to applicable law, you may have the right to: Access the personal data we hold about you Correct inaccurate or incomplete data Withdraw consent for processing based on consent, such as marketing emails or non-essential cookies Request deletion of your account and associated personal data, subject to legal retention requirements Object to or restrict certain types of processing, such as profiling for marketing Data portability where technically feasible To exercise any of these rights, contact us at [email protected]. We will respond within the timeframe required by applicable law (under the PDPA, generally within 30 days). As permitted by the PDPA, we may charge a reasonable fee for processing access requests. 11. Data Retention We retain personal data for as long as your account is active and for a reasonable period afterward to comply with legal, accounting, or reporting obligations, resolve disputes, and enforce our agreements. Usage analytics may be retained in aggregated or anonymised form indefinitely. 12. Marketing and Service Communications 12.1 Service notifications are alerts related to your use of the Platform, such as valuation alerts and earnings date reminders. These form part of the core service and can be managed in your account notification settings. 12.2 Marketing communications, including newsletters, product announcements, and promotional content, are sent only where you have separately opted in. You may withdraw this consent at any time via the unsubscribe link in any marketing email or through your account settings. We will not bundle marketing consent with your acceptance of this Policy or our Terms of Use. 13. Data Security We implement appropriate technical and organisational measures to protect your data, including encryption in transit, access controls, and infrastructure security. However, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security and are not liable for unauthorised access beyond our reasonable control. 14. Children’s Privacy The Platform is intended for users aged 18 or older and is not directed at individuals under 18. We do not knowingly collect personal data from minors. If we become aware that we have done so, we will delete it promptly. 15. Changes to This Policy We may update this Policy from time to time. Material changes will be communicated via the Platform or by email at least 14 days before they take effect. Non-material changes, and changes required for legal, regulatory, or security reasons, may take effect immediately upon posting. Continued use of the Platform after changes take effect constitutes acceptance of the revised Policy. 16. Contact and Data Protection Officer For privacy questions, data access or correction requests, or to withdraw consent: Email: [email protected] × I'd like to receive product updates, news, and offers from Capopedia. 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