Terms and Conditions

Last updated:February 2026

1. Acceptance of Terms

By accessing and using www.smartemis.com, you agree to these Terms & Conditions.

If you do not agree, please discontinue use of the Website.

2. Purpose of Website

This Website provides general information about Smartemis, its business model, network, and activities.

It does not constitute investment advice, an offer to sell securities, or a solicitation to invest.

3. Intellectual Property

All content on this Website — including text, graphics, logos, design, and materials — is the property of Smartemis or its licensors and is protected under applicable intellectual property laws.

You may not reproduce, distribute, or modify any content without prior written consent.

4. No Reliance

Information provided on this Website is for general informational purposes only.

While we aim to keep information accurate and up to date, we make no warranties regarding completeness, accuracy, or reliability.

Forward-looking statements are subject to risks and uncertainties.

5. Limitation of Liability

To the fullest extent permitted by law, Smartemis shall not be liable for any direct or indirect damages arising from:

• Use or inability to use the Website

• Reliance on information provided

• Technical interruptions

6. External Links

This Website may contain links to third-party websites. Smartemis is not responsible for the content or privacy practices of such sites.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of France and Germany, without regard to conflict of law principles.

8. Changes

We reserve the right to modify these Terms at any time. Continued use of the Website constitutes acceptance of the updated Terms.