End User License Agreement — Bank Reconciliation Engine

This End User License Agreement (“Agreement”) is a legal agreement between you, either an individual or the entity on whose behalf you are acting (“You” or “User”), and Fahmy Project Solutions LLC, an Illinois limited liability company (“Fahmy Project Solutions,” “we,” “us,” or “our”), governing your use of the Bank Reconciliation Engine software, including any associated executable files, documentation, and updates provided by Fahmy Project Solutions (the “Software”).

By installing, launching, or otherwise using the Software, You agree to be bound by this Agreement. If You do not agree to this Agreement, do not install or use the Software.

If You are using the Software during a pre-release, evaluation, or beta period, that use may also be governed by a separate Beta Testing Agreement between You and Fahmy Project Solutions. In the event of a conflict between that agreement and this one regarding the beta period specifically, the Beta Testing Agreement controls.

1. License Grant

Subject to Your compliance with this Agreement, Fahmy Project Solutions grants You a limited, non-exclusive, non-transferable, revocable license to install and run the Software on computers You own or control, solely for Your own internal business or personal use in reconciling Your own financial records or those of a client for whom You are authorized to act.

2. Ownership

The Software is licensed, not sold. Fahmy Project Solutions and its licensors retain all right, title, and interest in and to the Software, including all associated intellectual property rights. This Agreement grants You only the limited rights expressly stated in Section 1; all rights not expressly granted are reserved by Fahmy Project Solutions.

3. Restrictions

You agree not to: (a) copy, distribute, sell, rent, lease, sublicense, or otherwise transfer the Software to any third party; (b) reverse engineer, decompile, or disassemble the Software, except to the extent such restriction is prohibited by applicable law; (c) modify or create derivative works based on the Software; (d) remove or obscure any proprietary notices on the Software; (e) use the Software for any unlawful purpose or in a manner that violates the rights of any third party; or (f) represent the output of the Software as independently verified, audited, or certified without disclosing that it was generated using the Software and requires review as described in Section 4.

4. Description of the Software and Required Review

The Software is a decision-support tool. It reads financial records that You provide and proposes matches between transactions, each assigned a confidence tier. Where the Software cannot resolve a match with confidence, it flags the case with a plain-language reason rather than resolving it automatically.

The Software does not make final accounting, financial, tax, or legal determinations, and its output is not a substitute for review by a qualified professional. You are solely responsible for reviewing every match and flagged item the Software produces, and for independently verifying the accuracy of any result before relying on it or applying it to Your financial records or those of a client. The Software is not a substitute for the advice of a qualified accountant, bookkeeper, tax professional, or attorney.

5. Data Handling

The Software processes data locally on Your machine and does not transmit Your data to Fahmy Project Solutions or any third party. A detailed description of the Software’s data handling, local storage, and network behavior is provided in the separate Data Handling and Security Policy for the Bank Reconciliation Engine, which is incorporated into this Agreement by reference. You are responsible for the security of the machine on which You run the Software and for maintaining independent backups of Your source financial data.

6. Fees

As of the Effective Date, Fahmy Project Solutions is not charging a fee for use of the Software. Fahmy Project Solutions reserves the right to introduce fees for future versions, tiers, or continued use of the Software, which will be presented to You separately and will not apply retroactively without Your consent.

7. DISCLAIMER OF WARRANTIES

THE SOFTWARE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. FAHMY PROJECT SOLUTIONS DOES NOT WARRANT THAT THE SOFTWARE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY MATCH, CONFIDENCE TIER, OR OTHER OUTPUT PRODUCED BY THE SOFTWARE WILL BE ACCURATE, COMPLETE, OR SUITABLE FOR YOUR PARTICULAR CIRCUMSTANCES. YOU ASSUME ALL RISK ARISING FROM YOUR USE OF THE SOFTWARE, INCLUDING ANY DECISION MADE OR ACTION TAKEN IN RELIANCE ON ITS OUTPUT.

8. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, FAHMY PROJECT SOLUTIONS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SOFTWARE, EVEN IF FAHMY PROJECT SOLUTIONS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

FAHMY PROJECT SOLUTIONS’ TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE SOFTWARE, WHETHER IN CONTRACT, TORT, OR OTHERWISE, SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID FAHMY PROJECT SOLUTIONS FOR THE SOFTWARE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES OR IMPLIED WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU IN FULL. IN SUCH CASES, FAHMY PROJECT SOLUTIONS’ LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

9. Indemnification

You agree to indemnify and hold harmless Fahmy Project Solutions from any third-party claim, loss, or expense, including reasonable attorneys’ fees, arising out of Your use of the Software in violation of this Agreement or applicable law.

10. Term and Termination

This Agreement remains in effect until terminated. You may terminate it at any time by ceasing use of the Software and deleting all copies in Your possession. Fahmy Project Solutions may terminate this Agreement immediately if You breach any term of it. Sections 2, 3, 4, 5, 7, 8, 9, and 13 survive termination.

11. Compliance with Laws

You are responsible for using the Software in compliance with all laws and regulations applicable to You, including any applicable to the financial data You process using the Software.

12. Changes to This Agreement

Fahmy Project Solutions may update this Agreement from time to time, including to reflect changes in the Software. Continued use of the Software after a change becomes effective constitutes acceptance of the updated Agreement. The Effective Date above reflects the most recent revision.

13. Governing Law

This Agreement is governed by the laws of the State of Illinois, without regard to conflict-of-law principles.

14. Miscellaneous

This Agreement constitutes the entire agreement between You and Fahmy Project Solutions regarding the Software and supersedes any prior agreements on that subject, except for any separate Beta Testing Agreement as described above. If any provision of this Agreement is found unenforceable, the remaining provisions remain in full force and effect. Fahmy Project Solutions’ failure to enforce any provision is not a waiver of that provision. You may not assign this Agreement without Fahmy Project Solutions’ prior written consent; Fahmy Project Solutions may assign this Agreement in connection with a merger, acquisition, or sale of assets.

15. Contact

Questions about this Agreement can be sent to the contact address listed on fahmyprojectsolutions.com.