Terms and conditions.

Numo Solutions, Unipessoal Lda is a Portuguese company registered at Rua Camilo Castelo Branco 2, 4º Esq, 1150-084 Lisboa, with NIPC 519220536. Numo is a tied agent of Sixty Degrees - Sociedade Gestora de Organismos de Investimento Coletivo, S.A., registered with the CMVM. Contact is available at hello@usenumo.com.

• "Customer" means the business that registers for and uses the Numo Platform.
• "User" means an individual authorised by the Customer to access the Numo Platform.
• "Workspace" means the Customer's tenant within the Numo Platform; every action is scoped to a Workspace.
• "Connected Account" means a bank account the Customer links through Numo's regulated open banking provider.
• "Transfer" means an instruction by the Customer to move its own funds, executed by the Customer's bank.
• "Subscription" means an instruction to subscribe to or redeem units in an investment fund.
• "Asset Manager" means the management company of an investment fund available through the Numo Platform.
• "KYC / KYB" means the customer and business due diligence collected during onboarding.

1.1. Numo makes available an online platform through which Customers can connect their bank accounts to view balances and transactions and subscribe to regulated investment funds managed by the Asset Manager.

1.2. Numo is a technology provider and a tied agent of Sixty Degrees. Numo is not a bank, does not hold or take custody of Customer funds, does not execute Transfers itself, and is not the manager of any investment fund. Account connectivity is provided through a regulated open banking provider; Transfers are executed by the Customer's bank; investment funds are managed by the Asset Manager.

1.3. Numo does not provide investment advice, portfolio management or personal recommendations. Any figures, forecasts or risk profiling shown on the Numo Platform are informational. The Customer is solely responsible for its treasury and investment decisions.

2.1. The Numo Platform is offered to businesses and their authorised representatives, not to consumers. By accepting these Terms, the User represents and warrants that: (a) they are at least 18 years old; (b) they are authorised to act for and bind the Customer; (c) the information provided is accurate, current and complete and will be kept up to date; and (d) the use of the Numo Platform complies with all laws applicable to the Customer and the User.

2.2. By registering for, accessing or using the Numo Platform, the Customer and the User agree to these Terms. In case of disagreement, the Numo Platform must not be used.

2.3. Access is organised into Workspaces with role based permissions (owner, operator, viewer). The Customer is responsible for assigning roles appropriately, for the activity in its Workspaces, and for promptly removing Users who should no longer have access.

2.4. Login is provided through a third party identity provider; Numo does not store passwords. The User must keep their credentials confidential, use multi factor authentication where available, and notify Numo immediately at hello@usenumo.com in case of suspected unauthorised access.

3.1. Before using the Numo Platform, the Customer must complete onboarding, including customer KYC (identification, residence, tax, professional and Politically Exposed Person information, and a risk profile) and business KYB (company details, registration identifiers, beneficial ownership and supporting documents), as required by anti money laundering law (Lei n.º 83/2017).

3.2. The Customer must provide truthful, accurate and complete information and documents and update them promptly when they change. Numo may re verify at any time and may restrict or suspend access pending verification. Numo may refuse or discontinue registration where verification cannot be completed or where required by law or by Numo's risk and compliance policies.

3.3. How personal data collected during onboarding is handled is described in Numo's Privacy Policy, which forms part of these Terms.

4.1. The Numo Platform connects to the Customer's bank accounts through a regulated open banking provider to retrieve balances and transaction data, on the basis of the Customer's consent granted at its bank. Consents are time limited and may be revoked; the Customer can disconnect an account at any time.

4.2. Where a User instructs a Transfer, the Transfer is executed by the Customer's bank. Each Transfer must be authorised by the Customer directly at its bank, including any strong customer authentication the bank requires. Numo does not move money itself. The Customer is responsible for the accuracy of Transfer details and for having sufficient funds and authority.

4.3. Use of banking connectivity is also subject to the terms of the Customer's bank and of the open banking provider. Numo is not responsible for the availability, decisions or errors of either.

5.1. The Numo Platform lets the Customer subscribe to and redeem units in investment funds managed by the Asset Manager. Acting as tied agent of Sixty Degrees, Numo prepares and routes the order forms and supporting documents to the Asset Manager and coordinates the settlement instruction.

5.2. Orders are filled in units. Any amount shown at order time is indicative: the final number of units and the amount are determined by the settlement day net asset value (NAV) and confirmed on the order form.

5.3. Investments carry risk. Investment funds do not guarantee capital, and the value of holdings can go down as well as up. Past performance and indicative figures are not a guarantee of future results. The Customer is responsible for assessing suitability for its own circumstances.

5.4. Subscriptions are governed by the Asset Manager's fund documentation (prospectus, key information document, order forms and terms), which prevails over these Terms in respect of the investment itself.

Certain onboarding and order documents are signed electronically through Numo's electronic signature provider, in app or via an emailed link. By completing a signature, the signatory accepts that the electronic signature is legally binding and that signed records may be relied on as evidence. The Customer must ensure the person signing is duly authorised.

Access to the Numo Platform is currently provided without a platform fee. Fund fees set by the Asset Manager apply to investments and are reflected in the fund documentation. The Customer remains responsible for any charges of its own bank. If Numo introduces platform fees, the Customer will be informed in advance and any fees will only apply going forward.

The Customer and its Users must not: (a) use the Numo Platform for any unlawful purpose, including money laundering, terrorist financing, fraud, sanctions evasion or tax evasion; (b) provide false or misleading information; (c) access Workspaces or data they are not authorised to access, or attempt to circumvent permissions or tenant isolation; (d) probe, scan, overload, disrupt or reverse engineer the Numo Platform, or bypass security or rate limits; (e) upload malware or unlawful content; or (f) resell or sublicense the Numo Platform except as expressly permitted. Numo may investigate suspected breaches and take action under Section 11.

9.1. Subject to compliance with these Terms, Numo grants the Customer a limited, non exclusive, non transferable, revocable licence to access and use the Numo Platform for its internal business purposes during the term. No other rights are granted.

9.2. The Numo Platform, including its software, design, content and trademarks, is owned by Numo or its licensees and protected by law.

9.3. The Customer retains ownership of the data and documents it submits ("Customer Data") and grants Numo the rights needed to operate on the Numo Platform, including sharing with the providers and recipients described in the Privacy Policy.

9.4. If the Customer or the User provides feedback or suggestions, Numo may use them without restriction or compensation.

10.1. Numo processes personal data as described in the Privacy Policy, which forms part of these Terms. Each party will comply with applicable data protection law (GDPR and Lei n.º 58/2019).

10.2. Each party may receive confidential information of the other. The receiving party will use it only to perform under these Terms, protect it with reasonable care, and not disclose it except to personnel and providers bound by confidentiality or as required by law. This does not apply to information that is public, independently developed, or lawfully received from a third party.

11.1. These Terms are effective from the moment the Customer first accesses or uses the Numo Platform and remain in effect until terminated.

11.2. The Customer may terminate at any time by contacting Numo at hello@usenumo.com. Numo may terminate on 30 days notice, or immediately and without prior notice if: (a) the Customer materially breaches these Terms; (b) required by law, a regulator or Numo's risk and compliance policies; or (c) necessary to protect the security of the Numo Platform or third parties.

11.3. Numo may suspend or restrict access, in whole or part, where required by law or a regulator, where verification or anti money laundering checks are outstanding, where there is reasonable suspicion of fraud, a security risk or a breach of these Terms, or where a third party provider or the Customer's bank requires it.

11.4. Upon termination, the Customer's right to use the Numo Platform ends and any amounts due remain payable. Numo will handle Customer Data in accordance with the Privacy Policy and with its legal retention obligations, including anti money laundering record keeping. Provisions that by their nature should survive termination (including Sections 9, 10, 12, 13, 14 and 16) survive.

To the fullest extent permitted by law, the Numo Platform is provided "as is" and "as available", and all implied warranties are disclaimed, including merchantability, fitness for a particular purpose and non infringement. Numo does not warrant that the Numo Platform will be uninterrupted or error free, that data retrieved from third parties (such as bank balances, transactions or NAV) is accurate or complete, or that outputs shown on the platform are suitable for any decision. Numo may modify, add or remove features and perform maintenance. Nothing in these Terms excludes liability that cannot be excluded by law.

To the fullest extent permitted by law: (a) neither party is liable for indirect, incidental, special or consequential loss, or for loss of profits, revenue, data or goodwill; and (b) Numo's total aggregate liability arising out of or in connection with the Numo Platform is limited to €2,500 (two thousand five hundred euros). This limitation does not apply to liability arising from wilful misconduct or gross negligence, nor to any liability that cannot be limited or excluded by law. Numo is not liable for the acts, omissions, decisions or availability of the Customer's bank, the open banking provider, the Asset Manager or any other third party, nor for the Customer's own instructions and treasury or investment decisions.

To the maximum extent permitted by law, the Customer will defend and indemnify Numo and its officers, directors, employees and agents against third party claims and related losses and expenses (including reasonable legal fees) arising out of or connected with: (a) the Customer's use or misuse of the Numo Platform; (b) its breach of these Terms or applicable law; (c) its Customer Data; or (d) its instructions.

15.1. Communications. Numo may send the Customer service and regulatory communications electronically, including by email. The Customer accepts that electronic communications satisfy any legal requirement that communications be in writing.

15.2. Modifications of these Terms. Numo may change these Terms from time to time. Material changes will be notified at least 30 days before they become effective and, where required, explicit acceptance of the revised Terms will be requested. Continued use after the effective date constitutes acceptance. Disputes are resolved under the version in effect when the dispute arose.

15.3. Assignment. The Customer may not assign these Terms without Numo's prior written consent. Numo may assign them to an affiliate or successor.

15.4. Entire agreement. These Terms, the Privacy Policy and any order form are the entire agreement between the parties on their subject matter and supersede prior understandings.

15.5. Severability and no waiver. If any provision is held invalid, the remainder stays in effect. Failure to enforce a provision is not a waiver.

15.6. Force majeure. Neither party is liable for delay or failure due to events beyond its reasonable control.

15.7. Language. The Numo Platform is provided in English and Portuguese. In case of divergence, the Portuguese version prevails.

These Terms are governed by and construed in accordance with Portuguese law, and the parties submit to the exclusive jurisdiction of the courts of the judicial district (Comarca) of Lisbon, without prejudice to mandatory protections under applicable law.