TERMS OF SERVICE (PUBLIC ADHESION AGREEMENT)

For access to the SaaS platform of IT-analytical services «Mirkaso»

Version: 2026-05-15
Effective Date: May 15, 2026
Document Language: Ukrainian (prevailing), English (alternative)

Section 1. General Provisions

1.1. This document constitutes a public adhesion agreement (public offer) of the Provider, entered into in accordance with Article 633 of the Civil Code of Ukraine.

1.2. This public offer defines the terms and conditions under which the Provider grants Users access to the SaaS platform of IT-analytical tools «Mirkaso» (hereinafter referred to as the "Platform").

1.3. Acceptance of this public offer is effected by the User registering on the Platform and checking the box agreeing to the terms of this Agreement. From the moment of acceptance, the public offer is deemed concluded and acquires the status of an adhesion agreement within the meaning of Article 633 of the Civil Code of Ukraine.

1.4. The Provider reserves the right to amend this Agreement unilaterally. Amendments become effective from the moment of their publication on the website https://mirkaso.com/terms or from such other date specified in the revised version. Users will be notified of material changes via email or through the Platform interface at least 7 (seven) calendar days before the amendments take effect.

1.5. In the event of any discrepancies between the Ukrainian and English versions of this Agreement, the Ukrainian version shall prevail.

1.6. This Agreement does not require bilateral signing and is stored by the Provider in electronic form. The fact of acceptance is recorded by the Platform's technical means, capturing the User's IP address, timestamp, and the version of the Agreement.

1.7. All annexes and documents referenced in this Agreement constitute an integral part hereof:

Privacy Policy: https://mirkaso.com/privacy
Cookie Policy: https://mirkaso.com/cookies
Refund Policy: https://mirkaso.com/refund-policy
Acceptable Use Policy (AUP): https://mirkaso.com/compliance

Section 2. Definitions

For the purposes of this Agreement, the following terms shall have the meanings set forth below:

2.1. "Provider" — the sole proprietor Hryhorii (Kyrilo) Oleksandrovych Haitan (FOP), the owner and administrator of the Platform.

2.2. "User" — a natural or legal person who has reached the age of 18 (or aged 16–17 with written parental/legal guardian consent) and has accepted this Agreement by registering on the Platform.

2.3. "Platform" — the SaaS platform "Mirkaso", hosted at https://mirkaso.com, providing access to IT-analytical tools, market analytics, data analytics, and market research tools.

2.4. "Content" — any data, analytical reports, charts, dashboards, and informational materials made available to the User through the Platform.

2.5. "Subscription" — a conditional perpetual access granted to the User to the Platform's functionality under the terms of the selected pricing plan, billed periodically and subject to automatic renewal.

2.6. "Auto-Renewal" — the automatic extension of the Subscription for the next billing period (1 month) through automatic charge of the User's payment method without requiring additional consent.

2.7. "Payment Provider" — a third party that processes payments: Payoneer (primary payment processor), PayPal (reserve payment processor), or Stripe (payment processing).

2.8. "AUP" (Acceptable Use Policy) — the rules of acceptable use of the Platform, available at https://mirkaso.com/compliance.

2.9. "Force Majeure" — circumstances beyond the parties' control as defined by the laws of Ukraine, including but not limited to: martial law, cyberattacks, service provider actions, strikes, natural disasters, and government authority actions.

Section 3. Subject Matter of the Agreement

3.1. The subject matter of this Agreement is the provision by the Provider to the User of access to the "Mirkaso" SaaS platform for the purpose of using IT-analytical tools, market analytics, data analytics, market research tools, and related services (hereinafter — "Services").

3.2. The Provider grants the User the right to access the Platform under the terms of the selected pricing plan by providing login credentials (user account) through the Platform's web interface.

3.3. Services are provided under the following NACE (KVED) codes:

62.01 — Computer programming;
63.11 — Data processing, web hosting, and related activities;
73.11 — Advertising agencies.

3.4. THE PLATFORM IS NOT A FINANCIAL INSTITUTION, BROKER, INVESTMENT ADVISOR, OR ENTITY PROVIDING FINANCIAL SERVICES. The Platform does not conduct cryptocurrency transactions, does not store Users' funds, and does not engage in brokerage activities.

3.5. THE CONTENT PROVIDED THROUGH THE PLATFORM IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE INVESTMENT RECOMMENDATIONS, FINANCIAL ADVICE, OR GUIDANCE FOR MAKING INVESTMENT DECISIONS. The User bears sole responsibility for any decisions made based on information obtained through the Platform.

3.6. The Provider does not guarantee the accuracy, completeness, or timeliness of data sourced from public sources and aggregated by the Platform.

3.7. Services are provided in electronic form by granting access to the Platform's web interface and/or API (if included in the selected pricing plan).

Section 4. Procedure for Concluding the Agreement

4.1. This Agreement is a public adhesion agreement within the meaning of Article 633 of the Civil Code of Ukraine and is concluded without bilateral signing.

4.2. The offer to enter into this agreement is publicly made by the Provider by publishing this Agreement at https://mirkaso.com/terms.

4.3. Acceptance of the offer consists of the following actions by the User: (a) completing the registration form on the Platform with a valid email address; (b) checking the box "I agree to the Terms of Service and Privacy Policy"; (c) clicking the "Register" / "Continue" button.

4.4. The moment of conclusion of this Agreement is deemed to be the moment the Provider receives information about the acceptance — the recording of the User's IP address, timestamp (date and time of registration), and the version of the Agreement presented at the time of registration.

4.5. The User confirms that: (a) they have read the terms of this Agreement prior to acceptance; (b) they fully understand and accept all terms of this Agreement without any reservations; (c) they have full civil legal capacity (have reached the age of 18) or, in the case of being aged 16–17, have obtained written parental/legal guardian consent.

4.6. The Provider reserves the right to refuse registration and conclusion of this Agreement without explanation, including but not limited to cases where the User has previously violated the terms of this Agreement or the Acceptable Use Policy.

Section 5. Payment and Pricing

5.1. Services are provided on a paid basis. The fee is determined by the pricing plan selected by the User, as specified at https://mirkaso.com/pricing.

5.2. Currency: United States Dollars (USD).

5.3. Payment Providers: (a) Payoneer — primary payment processor; (b) PayPal — reserve payment processor; (c) Stripe — payment processing via payment cards.

5.4. The User grants the Provider (through the Payment Provider) consent to regular (recurring) charges from the selected payment method.

5.5. Auto-Renewal: The Subscription automatically renews on a monthly basis without additional consent from the User. Payment for the next billing period (1 calendar month) is automatically charged from the User's payment method no later than 1 day before the end of the current period.

5.6. The User may cancel the auto-renewal of the Subscription at any time through the account interface ("Billing" / "Subscription" section). Cancellation of auto-renewal takes effect from the next billing period. Access to the Platform is retained until the end of the paid period.

5.7. Statement Descriptor: MIRKASO. The User agrees that charges will appear on their statement with the descriptor MIRKASO or Mirkaso (SaaS).

5.8. In the event that payment for the next period cannot be processed (insufficient funds, expired card, etc.), the Platform may suspend the User's access to Services. Access is restored within 24 hours after successful payment.

5.9. The Provider reserves the right to change pricing, notifying the User at least 30 calendar days before the new prices take effect. If the User does not agree to the changes, they have the right to cancel the Subscription before the changes take effect.

5.10. Prices displayed on the Platform do not include taxes that may apply under the laws of the User's country of residence. The obligation to pay such taxes rests with the User.

Section 6. Rights and Obligations of the Parties

6.1. The Provider has the right to:

(a) suspend or restrict the User's access to the Platform in case of violation of this Agreement or the Acceptable Use Policy (AUP);

(b) make changes to the Platform's functionality, add new features, or discontinue support for certain features with prior notice;

(d) use User data (in anonymized form) for analytics, Platform improvement, and marketing purposes in accordance with the Privacy Policy;

(e) transfer personal data processing to subprocessors as specified in the Privacy Policy;

(f) refuse to provide Services to a User who provided false information during registration or violated the terms of this Agreement.

6.2. The Provider is obligated to:

(a) grant the User access to the Platform according to the selected pricing plan within 24 hours of payment confirmation;

(b) ensure the functioning of the Platform in the scope provided by the selected pricing plan;

(c) comply with the requirements of Ukrainian legislation on personal data protection, including the Law of Ukraine "On Protection of Personal Data" No. 2297-VI;

(d) notify the User of material changes to the terms of Service provision;

(e) respond to User inquiries within 5 business days.

6.3. The User has the right to:

(a) use the Platform within the selected pricing plan;

(b) cancel the Subscription at any time through the account interface;

(d) receive information about the status of their account and Subscription;

(e) receive a refund in accordance with the Refund Policy at https://mirkaso.com/refund-policy.

6.4. The User is obligated to:

(a) provide accurate information during registration and maintain it in an up-to-date state;

(b) not share their account credentials (login, password) or Platform access with third parties;

(d) not attempt unauthorized access to the Platform's systems, and not use automated means (bots, scrapers) without the Provider's written consent;

(e) not distribute, copy, or transfer Platform Content to third parties without the Provider's written consent;

(f) not use the Platform to create a competing product;

(g) strictly comply with the terms of this Agreement, the Privacy Policy, and the Acceptable Use Policy.

Section 7. Liability of the Parties

7.1. The Provider is liable for improper provision of Services in accordance with the terms of this Agreement and applicable Ukrainian law.

7.2. Disclaimer of Warranties: Services are provided on an "as is" and "as available" basis. The Provider does not warrant that: (a) the Platform will operate uninterrupted, error-free, or without downtime; (b) the results obtained through the Platform will be accurate, reliable, or meet the User's expectations; (c) any errors in the Platform's operation will be corrected.

7.3. Limitation of Liability: To the maximum extent permitted by law, the Provider's total aggregate liability to the User for any claims arising from this Agreement or the use of the Platform shall not exceed the amount of payments made by the User to the Provider during the last 3 (three) calendar months preceding the event that gave rise to the claim.

7.4. The Provider shall not be liable for: (a) direct or indirect damages, lost profits, or loss of User data; (b) decisions made by the User based on Platform Content; (c) actions of third parties, including but not limited to Payment Providers and internet service providers; (d) technical failures, cyberattacks, or disruptions in the operation of subprocessors that are beyond the Provider's control.

7.5. The User bears full responsibility for: (a) the accuracy of information provided during registration; (b) maintaining the confidentiality of their account credentials; (c) all actions performed using their account; (d) consequences of violating this Agreement and the Acceptable Use Policy.

7.6. The Provider shall not be liable for any investment losses incurred by the User as a result of using information obtained through the Platform. The User bears sole responsibility for their investment decisions.

Section 8. Termination Procedure

8.1. User-Initiated Termination

8.1.1. The User may terminate this Agreement at any time by: (a) canceling the Subscription in the account interface ("Billing" / "Subscription" section); (b) deleting the account ("Settings" / "Account" / "Delete Account").

8.1.2. Upon termination by the User, access to the Platform is retained until the end of the paid billing period.

8.1.3. No refund is provided for the current period, except as specified in the Refund Policy at https://mirkaso.com/refund-policy.

8.2. Provider-Initiated Termination

8.2.1. The Provider may terminate this Agreement in case of: (a) material breach by the User of this Agreement or the Acceptable Use Policy (AUP); (b) use of the Platform for illegal activities; (c) attempts of unauthorized access to the Platform's systems; (d) sharing account credentials with third parties; (e) creating multiple accounts to circumvent pricing plan limitations.

8.2.2. Upon termination by the Provider, access to the Platform may be immediately suspended or terminated without the right to a refund.

8.2.3. The Provider will notify the User of the intention to terminate this Agreement (where possible), except in cases where delay may cause harm to the Provider or third parties.

8.3. Refunds

8.3.1. The User is entitled to a refund within 14 (fourteen) calendar days from the date of payment, provided that the Services have not been substantially used (as evidenced by the Platform's technical logs).

8.3.2. Refunds are made using the same payment method as the original payment, within 14 business days from the date the Provider processes the request.

8.3.3. Detailed refund conditions are set forth in the Refund Policy at https://mirkaso.com/refund-policy.

8.4. Consequences of Termination

8.4.1. Upon termination of this Agreement: (a) the User's access to the Platform is terminated; (b) the account may be deleted or deactivated; (c) User data is retained for the periods specified in the Privacy Policy and applicable law.

Section 9. Force Majeure

9.1. The Parties are released from liability for partial or complete non-performance of obligations under this Agreement if such non-performance results from Force Majeure circumstances.

9.2. Force Majeure circumstances include, but are not limited to: (a) martial law, armed conflict, mobilization; (b) cyberattacks, large-scale DDoS attacks, failure of critical internet infrastructure; (c) actions of service providers (hosting, CDN, DNS) resulting in Platform unavailability; (d) natural disasters, epidemics, pandemics; (e) government authority actions that make Service provision impossible; (f) general internet or telecommunications network outages.

9.3. The Party for whom performance of obligations becomes impossible due to Force Majeure shall notify the other Party in writing (by email) within 5 (five) calendar days of the occurrence and cessation of such circumstances.

9.4. Upon the occurrence of Force Majeure circumstances, the time for performance of obligations is extended for a period equal to the duration of such circumstances. If Force Majeure circumstances persist for more than 60 (sixty) calendar days, either Party has the right to terminate this Agreement by sending written notice to the other Party.

9.5. During the period of martial law in Ukraine, the Provider shall make all reasonable efforts to maintain the Platform's operation but does not guarantee continuous and stable functioning.

Section 10. Confidentiality and Personal Data Protection

10.1. The Provider processes the User's personal data in accordance with the Law of Ukraine "On Protection of Personal Data" No. 2297-VI and the Privacy Policy at https://mirkaso.com/privacy.

10.2. By accepting this Agreement, the User grants the Provider consent to process their personal data necessary for the provision of Services, by checking the separate consent box during registration.

10.3. Personal data processing includes collection, registration, accumulation, storage, adaptation, modification, updating, use, dissemination, anonymization, and destruction of personal data.

10.4. The User has all the rights of a data subject provided by the Law of Ukraine "On Protection of Personal Data" No. 2297-VI, namely: (a) the right of access to their personal data; (b) the right to rectification of personal data; (c) the right to erasure ("right to be forgotten"); (d) the right to restriction of processing; (e) the right to data portability; (f) the right to object to processing; (g) the right to withdraw consent to processing; (h) the right to lodge a complaint with the Ukrainian Parliament Commissioner for Human Rights; (i) the right to seek judicial remedy.

10.5. The Provider transfers personal data processing to subprocessors as listed in the Privacy Policy, including but not limited to: Payoneer, PayPal, Stripe, PostHog, Google Analytics 4, Microsoft Clarity, OpenRouter, Railway, Vercel, and Resend.

10.6. The Provider uses cookies in accordance with the Cookie Policy at https://mirkaso.com/cookies.

10.7. Personal data retention periods are determined by the Privacy Policy and applicable Ukrainian law, in particular: (a) account data — until account deletion; (b) payment data — 7 years (in accordance with the Tax Code of Ukraine); (c) activity logs — 1 year (in accordance with Law No. 2297-VI); (d) backups (after account deletion) — 30 days.

10.8. The Provider complies with the requirements of Law of Ukraine No. 524-IX dated March 4, 2020, on adaptation of legislation to GDPR standards for Users who are residents of the European Union.

Section 11. Dispute Resolution

11.1. This Agreement is concluded and interpreted in accordance with the laws of Ukraine.

11.2. All disputes arising from this Agreement or in connection with its performance shall be resolved through negotiation between the Parties within 30 (thirty) calendar days from the date the dispute arises.

11.3. If an agreement cannot be reached through negotiation, the dispute shall be submitted to a competent court of Ukraine at the location of the Provider (FOP Haitan K.O.).

11.4. Dispute Resolution for EU Consumers: If the User is a consumer and a resident of the European Union, they have the right to resolve disputes through the ODR (Online Dispute Resolution) platform of the European Commission, accessible at https://ec.europa.eu/consumers/odr/.

11.5. Pre-Claim Procedure: Before filing a lawsuit, the User is required to send a written claim to the Provider at support@mirkaso.com. The Provider will review the claim within 10 business days of receipt.

11.6. Claims not exceeding 500 (five hundred) subsistence minimums for able-bodied persons may be considered under simplified proceedings.

Section 12. Provider's Details

| Parameter | Value | |-----------|-------| | Full Name | FOP Haitan Kyrilo Oleksandrovych (ФОП Гайтан Кирило Олександрович) | | Individual Taxpayer Number (ITN) | 3097700915 | | Registration Number of Taxpayer's Record Card | 3097700915 | | Registration Address | Ukraine, 65037, Odeska obl., Odeskyi r-n, s. Lymanka, vul. Malynova, bud. 20A | | Country of Registration | Ukraine | | NACE (KVED) Codes | 62.01 — Computer programming; 62.02 — IT consulting; 62.09 — Other IT and computer systems activities; 63.11 — Data processing, web hosting, and related activities; 63.12 — Web portals | | Email | support@mirkaso.com | | Website | https://mirkaso.com | | Bank Statement Descriptor | MIRKASO |

Section 13. User Consent

13.1. Upon registration on the Platform, the User checks a box with the following text:

"I agree to the Terms of Service, Privacy Policy, Cookie Policy, Acceptable Use Policy, and Refund Policy. I am 18 years of age or older, or I am aged 16–17 with written parental/legal guardian consent. I understand that the Platform provides analytical data for informational purposes only, and such data does not constitute investment recommendations. I consent to the processing of my personal data in accordance with the Privacy Policy."

13.2. The fact of acceptance is recorded by the Platform's technical means with the following parameters: (a) User's IP address; (b) date and time of registration (UTC timestamp); (c) version of the Terms of Service to which the User agreed; (d) confirmation of agreement with the Privacy Policy; (e) confirmation of having reached the required age.

13.3. Technical acceptance data is retained by the Provider for the entire duration of the Agreement and for at least 1 (one) year after its termination.

13.4. The User has the right to obtain a copy of their acceptance data by contacting the Provider at support@mirkaso.com.

13.5. Service provision to a User who has declined acceptance or has not provided required consents is not possible.

This document becomes effective on May 15, 2026.