Service Agreement

Effective Date: August 1, 2022

Welcome to access and use the APP, PC client software, websites or other online

products and its accompanying products or services (collectively, the “Services”) of

Valuable Capital Financial Company (“VCF” , “We” or “Us”).

Before accessing or using the Services, please read carefully the terms and conditions of

this Service Agreement, the Privacy Policy, and any other agreements, terms, rules,

announcements, notices, and other documents released separately by us applicable to

the Services (collectively, the "Agreement"), and particularly for the terms prominently

identified in bold in this Agreement.

You confirm that you are eligible to access or use the Services and agree to be

bound by this Agreement and that you have had full knowledge of the possible risks

and agreed to undertake all the potential risks that may arise from accessing or

using the Services and its relevant products. If you do not agree to these terms of

use, please do not access or use the Services.

Please note that these terms of this Agreement are subject to change periodically without

notice and at VCF’s sole discretion. Any modified or amended terms shall take effect

upon the effective date agreed in the Agreement or the date of release. Your continued

access to or use of the Service after the amendment or modification of this Agreement

constitutes your consent and agreement to abide by these amended or modified terms.

Article 1 Definitions

1.1 “User” or “You” means any natural person, legal person or other organization

accessing to or using the Services under the Agreement.

1.2 “Access” or “Accessing” means any behavior including but not limited to download,

install, apply, visit and any other means of making use of the Services.

1.3 “Use” or “Using” means any time a User, directly or indirectly, does or attempts to

access, interact with, display, view, print or copy from the Services, transmit, receive

information or exchange data or communicate with the Service, or in any way utilizes,

benefits, takes advantage of or interacts with any function, product, or feature of the

Services.

1.4 “Account” means one or more of account(s) held in the name of the User with VCF for

the purposes of accessing to or using the Services.

Article 2 Register for an Account

4.1You may open an Account on VCF’s app, client software or website in order to use

certain areas and features of our Services. When registering for an Account, you agree toprovide your valid personal mobile phone number, type in the instant valid verification

code for authentication and create a unique password, then you can have an Account.

Once you have registered an Account, it shall be deemed as that you have agreed to

authorize VCF to send your mobile phone number a variety of text messages including

but not limited to the account security prompt message, mobile phone log-in verification

code, password modification prompt message, and you further agree to (a) ensure the

information provided is accurate, truthful, current and complete; (b) maintain and

promptly update your Account information upon any changes; (c) maintain the security of

your Account by protecting your password and restricting access to your Account; (d)

use the Account and password by yourself rather than transfer or lent to any other

person in any way and promptly notify VCF if you discover or otherwise suspect any

security breaches related to the Services; and (e) take responsibility for all activities that

occur under your Account and accept all risks of any authorized or unauthorized access

and assume all the relevant consequences and liabilities incurred from your failure to

comply with the above-mentioned terms, and VCF shall assume no responsibilities.

Please note that successful log in with your own Account and password will be deemed

to have been logged in by yourself. You shall bear all the relevant liabilities in relation to

your Account. If the Account and password is illegally used, VCF shall have the right to

suspend or cease the User qualification of said account without assuming any liabilities.

Article 3 User Conduct and Management

3.1 User Conduct Permission. The Services include interactive areas where you or other

users can post, download, store or transmit content, messages, materials, data,

information, text, music, sound, photos, videos, graphics or other items or materials on

the Services (collectively,“User Content”) or interact with other Users. You may use the

Services for non-commercial purpose and post, download, store or transmit User

Content in accordance with this Agreement. VCF makes no warranties or representations

as to, and has no responsibility or liability with respect to any communications,

transactions, interactions, disputes or any relations whatsoever between you and any

other Users. You understand that VCF cannot and do not endorse or verify any User’s

information, conduct, background, morality and agree that your use of the Services is at

your own risk and you are solely responsible for your use of the Services and such

interactive areas. We may, in our sole discretion, refuse, remove or delete any User

Content without notice. If you become aware of any use of the Service or User Content

that violates these terms of the Agreement, you may notify us by using the reporting tools

provided on our Services.

3.2 User Conduct Restriction. To use the Services, you agree to abide by the terms with

respect to User Conduct Restriction and undertake as below to VCF:

(1) to comply with the applicable laws, regulations, rules, international conventions and

the terms of this Agreement;(2) not to use the Services for any illegal purpose or by any illegal method, including

promoting or encouraging any illegal activity;

(3) not to conduct any actions that is illegal or infringing the rights and interests of any

third party, including without limitation, intellectual property, privacy, publicity or

contractual rights;

(4) not to use the Services in any manner that could interfere with, disrupt, negatively

affect or inhibit other Users from fully enjoying the Services or that could damage,

disable, overburden or impair the functioning of the Services in any manner;

(5) not to publish, transmit or disseminate any User Content that, (a) is unlawful, libelous,

defamatory, harassing, threatening, invasive of privacy or publicity rights, or that would

otherwise create liability or violate any applicable laws and regulations; (b) contains

nudity, sexually explicit content or is otherwise obscene, pornographic, indecent, lewd,

suggestive or sexually exploitative of minors; (c) may disparage any ethnic, racial or

religious group by stereotypical depiction or is otherwise abusive or inflammatory; (d)

contains offensive language or images or is otherwise objectionable; (e) incites violence

or characterizes violence as acceptable, glamorous or desirable; (f) contains unsolicited

promotions, political campaigning, advertising or solicitations, without our prior written

consent; (g) contains private or personal information about another person, unless such

person has agreed to the disclosure of this information; (h)contains viruses, corrupted

data or other harmful, disruptive or destructive file viruses, cancel bots, Trojan horses,

harmful code, flood pings, denial-of-service attacks, packet or IP spoofing, forged

routing or electronic mail address information or similar methods or technology; (i) may

infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary

right of any party; (j) would constitute, encourage or provide instructions for a criminal

offense or violate the rights of any third party; or (k)carry out, abet or assist any other

person to conduct the above or other behaviors that is prohibited by law.

In case that you violates any of the undertakings above, VCF shall have the right to

terminate or suspend the Services immediately such as cutting off the transmitted

content, saving the transmission records, closing the Account or deleting the link of

infringement, and may report the same to the competent supervision authority if

necessary.

3.3 User Content License. You own all of the User Content that you post to our Services.

If you post User Content to our Services, you hereby grant us a perpetual, worldwide,

irrevocable, non-exclusive, royalty-free and fully sublicensable license to use, reproduce,

display, perform, adapt, modify, create derivative works from, distribute, have distributed

and promote such User Content in any form, in all platforms now known or hereinafter

created to administer, operate, develop and otherwise provide VCF’s Services. You

represent and warrant that (a) you own and control all of the rights to the User Contentthat you post or you otherwise have the right to post such User Content to the Services;

(b) the User Content is accurate, non-confidential, not misleading or harmful in any

manner; and (c) the use and posting of the User Content you provide does not violate the

terms of the Agreement, the applicable laws or rules and will not violate any rights of or

cause injury to any person or entity. If the User Content contains personal data about you,

our Privacy Policy will apply, and we encourage you to review our Privacy Policy for

information about how we will use and share such data upon your consent.

Article 4 Third Party Service

In using our Services, you may have access to products or services provided by the third

parties (“Third-Party Service”), either directly on our Services or through links to

third-party websites, and in some circumstances, we may need to utilize Third-Party

Service to support the Services or provide certain services upon you request. You

acknowledge that in case of accessing or using Third-Party Service, you shall refer to

and agree to be bound by the applicable third party’s terms of use and privacy policy.

VCF will try best to protect your data and privacy from infringement to the greatest extent

possible through the relevant agreements signed with the Third Party Service provider.

However, VCF does not guarantee the security, accuracy, effectiveness and other

potential risks of the products or services provided by any Third Party Service provider.

For any disputes and damages arising therefrom, you shall be solely responsible for the

relevant consequences and liabilities, and VCF shall not assume any responsibilities.

Article 5 User Privacy Protection

VCF respects and protect the Users’ privacy. VCF will protect your personal privacy

strictly in accordance with the requirements of relevant laws and regulations. Please read

our Privacy Policy carefully for more details about the protection of users’ personal data.

Article 6 Intellectual Property

6.1 Unless explicitly specified herein, the software, logos, trademarks, Service structures

and designs, pictures, videos, information, market data, files and other related materials

presented or used on the Services or provided by VCF shall be the proprietary property

of VCF or VCF’s licensors. No rights to such Services or portions thereof, regardless of

the form it appears, are conveyed by the Services or by the accessing thereof by any

User, shall constitute an assignment of right.

6.2 Subject to your compliance with these terms of the Agreement, you are granted a

limited, non-exclusive, non-sublicensable, non-assignable, non-transferable and

revocable license to your personally access to and use of the Services, including but not

limited to download or install VCF’s App on your mobile phone, install the client software

on personal computer or view the market data, all of which shall be for non-commercial

use. Without prior written approval of VCF and relevant right holders, such license doesnot include: (a) any resale or commercial use of the Services; (b) modifying, archiving,

copying, reproducing, distributing, publishing, transmitting, translating or otherwise

making any derivative uses of the Services or any portion thereof, unless expressly

permitted under applicable law or this Agreement; (c) reverse compiling the Service or

extracting the essential parts of the Service for other application; (d) use of any data

mining, robots or similar data gathering or extraction methods to intended to extract data

or information from the Services; (e) make use of the aforesaid information and content to

charge any improper fees from any other person; or (f) any use of the Services other than

for their intended purposes. Any unauthorized use of the Services is strictly prohibited

and VCF will terminate the license granted herein. Such unauthorized use may also

violate the applicable laws, including without limitation copyright and trademark laws.

You shall be solely responsible for any unauthorized use of the Services and assume all

the liabilities thus incurred.

Article 7 Risk Disclosure

7.1 The content and information provided by VCF is analyzed and interpreted based on

publicly available information collected from public sources or is posted or provided by

other Users, partners or other third parties. VCF will endeavor to ensure the accuracy and

reliability of the content and information provided, however, VCF cannot and does not

guarantee its absolute accuracy and reliability, and shall not be liable for any loss or

damage (whether tort or contractual or otherwise) arising out of any inaccuracies or

omissions. You acknowledge and agree that you have to cautiously judge the accuracy

of such content and information, which shall only be used for reference.

7.2 Where you access or use any service platform or pages to obtain relevant services or

carry out relevant operation with reference to the content or information provided by VCF,

you shall assume all the risks and losses by yourself, and VCF shall not bear any liabilities

of breach, infringement or any other civil responsibilities for the risks or losses that may

be incurred from your conducts.

7.3 Under no circumstances should you trust any information about borrowing money,

asking for a password or other property. You should be independent, sober and

objective about the aforementioned information and be cautious about fraud.

ARTICLE 8 DISCLAIMER

THE SERVICES IS PROVIDED ON AN “AS IS”, “AS AVAILABLE ” BASIS. VCF

EXPRESSLY DISCLAIM ANY AND ALL LIABILITIES OF THE SERVICES AND MAKE

NO WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS OR

IMPLIED, AS TO THE ACCURACY, ADEQUACY, COMPLETENESS, TIMELINESS,

AVALIBILITY, OR NON-INFRINGEMENT OF ANY INFORMATION, CONTENTS,

MATERIALS, PRODUCTS OR ANY OTHER SERVICES WHETHER THROUGH VCF’S

SERVICES OR IN RESPECT OF ANY OTHER THIRD PARTY SITE LINKED TO VCF’SSERVICES.

WITHOUT THE GENERALITY OF FOREGOING, VCF DOES NOT REPRESENT OR

WARRANT THAT THE SERVICES PROVIDED WILL MEET YOUR REQUIREMENTS,

THAT ACCESS WILL BE UNINTERRUPTED, THAT THERE WILL BE NO DELAYS,

FAILURES, ERRORS OR OMISSIONS OR LOSS OF TRANSMITTED INFORMATION,

THAT NO VIRUSES OR OTHER CONTAMINATING OR DESTRUCTIVE PROPERTIES

WILL BE TRANSMITTED OR THAT NO DAMAGE WILL OCCUR TO YOUR

COMPUTER SYSTEM. YOU HAVE SOLE RESPONSIBILITY FOR ADEQUATE

PROTECTION AND BACK UP OF DATA AND/OR EQUIPMENT AND FOR

UNDERTAKING REASONABLE AND APPROPRIATE PRECAUTIONS TO SCAN FOR

COMPUTER VIRUSES OR OTHER DESTRUCTIVE PROPERTIES.

ARTICLE 9 LIMITATION OF LIABILITY

IN NO EVENT SHALL VCF BE LIABLE FOR ANY DAMAGES, LOSSES OR

LIABILITIES INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL,

INCIDENTAL, CONSEQUENTIAL DAMAGES, LOSSES OR LIABILITIES, INCLUDING,

BUT NOT LIMITED TO, LOSS OF USE, LOSS OF PROFITS OR LOSS OF DATA,

WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED

TO, NEGLIGENCE) OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH

YOUR USE OF THE SERVICES OR YOUR RELIANCE ON OR USE OR INABILITY TO

USE THE INFORMATION, MATERIALS, PRODUCTS THROUGH THE SERVICES

PROVIDED BY VCF, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE,

ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR

TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF YOU

ADVISE US OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

Article 10 Applicable Laws and Jurisdiction

10.1 The execution, effectiveness, performance, termination and dispute settlement of

the Agreement shall be governed by the laws of the Kingdom of Saudi Arabia.

10.2 Any dispute arising in the execution, effectiveness, performance and termination of

the Agreement, VCF expects to settle through friendly consultation with you; in case that

the consultation fails or the consultation result is not satisfactory to you, either you or

VCF shall have the right to file a lawsuit to the courts located in Riyadh, Kingdom of

Saudi Arabia.

Article 11 Termination

11.1 The Agreement shall be terminated in the event that,:

(1) You close your Account, discontinue your use of the Services and provide VCF with anotice of termination.

(2) You refuse to accept the modified or amended terms of the Agreement, or uninstall

the Services actively or no longer use the Product and relevant services as shown by any

other ways;

(3) You violate the Agreement; VCF shall be entitled to terminate this Agreement

immediately without notice and terminate your right to use the Service or any portion

thereof, and to block or prevent your future access to and use the Services without

assuming any liabilities of breach;

(4) Force Majeure occurs and results in impossibility to perform the Agreement or

continue to provide the Services; Either you or VCF shall have the right to terminate the

Agreement and Services without assuming any liabilities of breach. “Force Majeure” shall

mean forces beyond reasonable control of any party, including, without limitation, fire,

flood, acts of God, labor disputes, accidents, acts of war or terrorism, interruptions of

transportation or communications and supply shortages.

11.2 In case of termination of the Agreement, regardless of the reasons, your

qualification of User shall become invalid upon the date of such termination and your

right to use this Service immediately ceases. You acknowledge and agree that you shall

immediately deactivate or uninstall the App and all related information and files on your

device and/or bar any further access to such files or this Service, and VCF shall not be

liable to you or any third party for any claims or damages arising out of any termination or

in connection with such termination.

Article 12 Miscellaneous

12.1 Assignment. You may not assign any of your rights or obligations under this

Agreement without prior written consent from VCF. VCF may assign any or all of its rights

under this Agreement, in whole or in part, without obtaining your consent or approval.

12.2 Waiver. Our failure or delay in exercising any right, power or privilege under this

Agreement shall not be construed as a waiver thereof.

12.3 Severability. If any term of this Agreement is deemed unlawful, void, or

unenforceable for any reason, such term shall not affect the validity or enforceability of

any other terms of this Agreement, all of which shall remain in full force and effect.

12.4 Survival. Article 6 (Intellectual Property), 8 (Disclaimer), 9 (Limitation of Liability), 10

(Applicable Laws and Jurisdiction),11 (Termination) will survive any termination of this

Agreement or use of Services.