Terms of Use

EdvardWo AB operates an independent thematic research platform focused on business and macroeconomic developments affecting public markets. The platform provides: • Thematic Intelligence • Business Theme Research • Macroeconomic Theme Research • Company Research • Research Models • Portfolio Research • Proprietary Research Outputs • Educational Content The platform exists to support research and education regarding thematic investing and public markets. Nothing on the platform constitutes personalised financial advice.

Research Membership provides access to proprietary research outputs including: • Theme Database • Theme Monitoring • Company Research • Research Metrics • Research Development • Ongoing Research Updates Membership is personal and non-transferable. Access may be suspended or terminated if these Terms are violated.

Professional Membership provides access to portfolio-level research and additional research outputs. This may include: • Research Models • Portfolio Research • Model Holdings • Portfolio Commentary • Research Updates • Additional Professional Research Materials Professional Membership remains subject to these Terms. Nothing provided through Professional Membership constitutes discretionary portfolio management or investment management services.

The platform is built around independent research, proprietary survey observations, thematic intelligence, and public market analysis. Research outputs reflect the views, methodologies, and observations of EdvardWo AB. Research outputs should not be interpreted as facts, guarantees, forecasts, or promises of future market outcomes.

All information provided through the platform is for informational and educational purposes only. Nothing on the platform constitutes: • Investment advice • Financial advice • Legal advice • Tax advice • A recommendation to buy or sell securities • Portfolio management services Users remain solely responsible for their own investment decisions. Users should perform independent research and seek professional advice where appropriate.

Financial markets involve risk. Past performance, historical observations, forward-testing results, research outcomes, model results, thematic developments, rankings, classifications, and research metrics do not guarantee future results. No representation is made that any research output will be profitable or suitable for any particular user. Investing may result in partial or total loss of capital.

All content on the platform is the intellectual property of EdvardWo AB unless otherwise stated. This includes: • Research reports • Theme databases • Research metrics • Company mappings • Portfolio research • Research models • Proprietary methodologies • Written content • Visual content Members may not reproduce, redistribute, sell, publish, or commercially exploit platform content without prior written permission.

Certain research outputs are restricted to members. Members agree not to: • Share member-only content • Redistribute research reports • Publish research outputs • Disclose proprietary metrics • Copy substantial portions of research materials Violation may result in immediate termination of membership.

Membership fees are billed according to the selected membership plan. Unless otherwise stated: • Membership renews automatically • Cancellation may be completed at any time • Access remains active until the end of the current billing period Membership fees are generally non-refundable except where required by law.

We may modify, update, suspend, or discontinue any portion of the platform at any time. Research outputs, metrics, themes, models, and research materials may change without notice. We do not guarantee uninterrupted access to the platform.

To the fullest extent permitted by law: EdvardWo AB shall not be liable for any direct, indirect, incidental, special, consequential, or investment-related losses arising from use of the platform. Users assume full responsibility for all investment decisions and financial outcomes. Total liability shall not exceed the amount paid by the user during the preceding twelve months.

We reserve the right to suspend or terminate access if: • These Terms are violated • Membership fees remain unpaid • Platform content is redistributed • Platform services are misused Termination may occur without prior notice where necessary to protect the platform or its members.

These Terms may be updated from time to time. Continued use of the platform following publication of revised Terms constitutes acceptance of those changes.

These Terms shall be governed by and interpreted under the laws of Sweden. Any disputes shall be subject to the jurisdiction of Swedish courts unless otherwise required by applicable law.

EdvardWo AB For membership, research, legal, or compliance inquiries: edvardwo.com@gmail.com