TERMS OF SERVICE Effective Date: July 6, 2026 Beta Disclaimer: Please note that Stook is currently in its beta testing phase. The platform is continually evolving. During this phase, you are fully aware of its initial state and take full responsibility for any information you submit to us. As we refine and enhance the platform and its services, we may update these Terms accordingly. We encourage you to review these Terms regularly for any changes. These Terms of Service ("Terms") apply to your access to and use of Stook (the "Platform"), including mobile apps and other online services (the "Services"), provided and operated by Streetwise N.Z. Ltd. ("we," "us," or "our"), available at stookapp.com. In order to use the Services, you must have accepted these Terms, which are presented to you when you create an Account and are available at all times when you access the Services. If you do not accept them, you may not access or use our Services. 1. Description of Service Stook is a speaker practice and cue card application designed to help individuals and teams prepare, rehearse, and deliver better presentations, speeches, and pitches. The Platform is available as a mobile application and web-based service at stookapp.com. Access to the Services is currently provided free of charge. We plan to introduce paid subscription tiers in the coming weeks, which may include a free trial period. Any pricing changes will be communicated with at least 30 days' advance notice as described in Section 9. 2. Your Access to the Services By using the Services, you state that: You are at least 18 years old and over the minimum age required by the laws of your country of residence to access and use the Services; You can form a binding contract with us, or, if you are over 18 but under the age of majority in your jurisdiction, that your legal guardian has reviewed and agrees to these Terms; You are not barred from using the Services under all applicable laws; and You have not been permanently suspended or removed from the Services. If you are accepting these Terms on behalf of a legal entity, including a business or team, you represent that you have full legal authority to bind such entity to these Terms. 3. Privacy Our Privacy Policy explains how and why we collect, use, and share information about you when you access or use our Services. You understand that through your use of the Services, you consent to the collection and use of this information as set forth in the Privacy Policy. 4. Your Use of the Services Subject to your complete and ongoing compliance with these Terms, we grant you a personal, non-transferable, non-exclusive, revocable, limited license to: (a) install and/or use a copy of the Platform on a mobile device owned or controlled by you; and (b) access and use the Services. We reserve all rights not expressly granted to you by these Terms. Except and solely to the extent such a restriction is impermissible under applicable law, you may not, without our written agreement: license, sell, transfer, assign, distribute, host, or otherwise commercially exploit the Services or Content; modify, prepare derivative works of, disassemble, decompile, or reverse engineer any part of the Services or Content; or access the Services or Content in order to build a similar or competitive website, product, or service. We do not guarantee that the Services will always be available or uninterrupted. We are always improving our Services. This means we may add or remove features, products, or functionalities; we will try to notify you beforehand, but that will not always be possible. We reserve the right to modify, suspend, or discontinue the Services (in whole or in part) at any time, with or without notice to you. Any future release, update, or other addition to functionality of the Services will be subject to these Terms. You agree that we will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Services or any part thereof. 5. Your Account and Account Security To use certain features of our Services, you may be required to create an account (an "Account") and provide us with a username, password, and certain other information about yourself as set forth in the Privacy Policy. You are solely responsible for the information associated with your Account and anything that happens related to your Account. You must maintain the security of your Account and immediately notify us if you discover or suspect that someone has accessed your Account without your permission. We recommend that you use a strong password that is used only with your Account and enable two-factor authentication. You will not license, sell, or transfer your Account without our prior written approval. 6. Your Content The Services may contain information, text, links, graphics, photos, videos, audio, streams, or other materials ("Content"), including Content created with or submitted to the Services by you or through your Account ("Your Content"). We take no responsibility for, and we do not expressly or implicitly endorse, support, or guarantee the completeness, truthfulness, accuracy, or reliability of any of Your Content. By submitting Your Content to the Services, you represent and warrant that you have all rights, power, and authority necessary to grant the rights to Your Content contained within these Terms. You retain full ownership of Your Content. We do not read, sell, or monetize your cue cards, scripts, notes, or practice materials. By submitting Your Content, you grant us a worldwide, royalty-free, perpetual, irrevocable, non-exclusive, transferable, and sublicensable license solely to the extent necessary to store, display, and deliver Your Content back to you, and to operate and improve the Services. Any ideas, suggestions, and feedback about us or our Services that you provide to us are entirely voluntary, and you agree that we may use such ideas, suggestions, and feedback without compensation or obligation to you. Although we reserve the right to review, screen, edit, or monitor Your Content, we do not necessarily review all of it. We may, in our sole discretion, delete or remove Your Content at any time and for any reason, including for violating these Terms or any content policy we may publish from time to time. 7. Third-Party Content, Advertisements, and Promotions The Services may contain links to third-party websites, products, or services ("Third-Party Content"). Third-Party Content is not under our control, and we are not responsible for any third party's websites, products, or services. Your use of Third-Party Content is at your own risk, and you should make any investigation you feel necessary before proceeding with any transaction in connection with such Third-Party Content. If you choose to use the Services to conduct a promotion, including a contest or sweepstakes ("Promotion"), you alone are responsible for conducting the Promotion in compliance with all applicable laws and regulations. Your Promotion must state that the Promotion is not sponsored by, endorsed by, or associated with us. 8. Things You Cannot Do When using or accessing the Platform, you must comply with these Terms and all applicable laws, rules, and regulations. You may not do any of the following: Use the Services in any manner that could interfere with, disable, disrupt, overburden, or otherwise impair the Services; Gain access to (or attempt to gain access to) another user's Account or any non-public portions of the Services, including the computer systems or networks connected to or used together with the Services; Upload, transmit, or distribute to or through the Services any viruses, worms, malicious code, or other software intended to interfere with the Services, including its security-related features; Use the Services to violate applicable law or infringe any person's or entity's intellectual property rights or any other proprietary rights; Access, search, or collect data from the Platform by any means (automated or otherwise) except as permitted in these Terms or in a separate agreement with us; or Use the Services in any manner that we reasonably believe to be an abuse of or fraud on us. To report a security issue, please contact us at hello@stookapp.com. 9. Paid Services and Payment Information The Services are currently provided free of charge. We plan to introduce paid subscription tiers ("Paid Services") in the coming weeks, which may include a free trial period. We will notify you of any fees or changes to the fee structure with at least 30 days' advance notice. Any price changes will take effect no earlier than 30 days following such notice. When Paid Services are introduced, you may submit your debit card, credit card, or other payment information ("Payment Information") via our Services to purchase a subscription. We may use third-party service providers to process your Payment Information. If you submit your Payment Information, you agree to pay all costs that you incur, and you give us permission to charge you when payment is due for an amount that includes these costs and any applicable taxes and fees. 10. Intellectual Property The Services are owned and operated by us. The visual interfaces, graphics, design, compilation, information, data, computer code, products, services, trademarks, and all other elements of the Services ("Materials") provided by us are protected by intellectual property and other laws. All Materials included in the Services are our property or our third-party licensors. Except as expressly authorized by us, you may not make use of the Materials. We reserve all rights to the Materials not granted expressly in these Terms. 11. Copyright, Trademark, and Takedowns We respect the intellectual property of others and require that users of our Services do the same. If you believe that anything on our Services infringes a copyright or a trademark that you own or control, you may notify us at hello@stookapp.com. If we remove Your Content in response to a copyright or trademark notice, we will notify you via email or private messaging. If you believe Your Content was wrongly removed due to a mistake or misidentification, you may notify us at hello@stookapp.com. 12. Indemnity Except to the extent prohibited by law, you agree to defend, indemnify, and hold us, our affiliates, and their respective directors, officers, employees, affiliates, agents, contractors, third-party service providers, and licensors (the "Indemnified Entities") harmless from and against any claim or demand made by any third party, and any related liability, damage, loss, and expense (including costs and attorneys' fees) due to, arising out of, or in connection with: (a) your use of the Services, (b) your violation of these Terms, (c) your violation of applicable laws or regulations, or (d) Your Content. We reserve the right to control the defense of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. 13. Limitation of Liability By using the Services, you agree that the Indemnified Entities' liability is limited to the maximum extent permissible in your country of residence. Liability will be limited to foreseeable damages arising due to a breach of material contractual obligations typical for this type of contract. We are not liable for damages that result from a non-material breach of any other applicable duty of care. This limitation of liability will not apply to any statutory liability that cannot be limited, to liability for death or personal injury caused by our negligence or wilful misconduct, or if and to exclude our responsibility for something we have specifically promised to you. 14. Changes to These Terms We may make changes to these Terms from time to time. If we make changes, we will post the revised Terms and update the Effective Date above. If the changes, in our reasonable discretion, are material, we will notify you by sending an email to the address associated with your Account (if you have chosen to provide an email address) or by otherwise providing you with notice through our Services at least 30 days before the date they become effective. By continuing to access or use the Services on or after the Effective Date of the revised Terms, you agree to be bound by the revised Terms. If you do not agree to the revised Terms, you must stop accessing and using our Services before the changes become effective. 15. Additional Terms Because we may offer a variety of Services, you may be asked to agree to additional terms, policies, guidelines, or rules before using a specific product or service offered by us ("Additional Terms"). All Additional Terms are incorporated by this reference into, and made a part of, these Terms, and to the extent any Additional Terms conflict with these Terms, the Additional Terms govern with respect to your use of the corresponding Services. 16. Termination You may terminate these Terms at any time and for any reason by deleting your Account and discontinuing the use of all Services. If you stop using the Services without deactivating your Account, your Account may be deactivated due to prolonged inactivity. To the fullest extent permitted by applicable law, we may suspend or terminate your Account, or ability to access or use the Services at any time for any or no reason, including for violating these Terms. The following sections will survive any termination of these Terms or of your Account: 6 (Your Content), 8 (Things You Cannot Do), 12 (Indemnity), 13 (Limitation of Liability), 16 (Termination), and 17 (Miscellaneous). 17. Miscellaneous These Terms, together with the Privacy Policy and any other agreements expressly incorporated by reference into these Terms, constitute the entire agreement between you and us regarding your access to and use of the Services. Our failure to exercise or enforce any right or provision of these Terms will not operate as a waiver of such right or provision. If any part of these Terms is held to be invalid or unenforceable, the unenforceable part will be given effect to the greatest extent possible, and the remaining parts will remain in full force and effect. You may not assign or transfer any rights or obligations under these Terms without our prior written consent. We may, without restriction, assign any of our rights and obligations under these Terms, at our sole discretion, with 30 days' prior notice. Your right to terminate these Terms at any time pursuant to Section 16 remains unaffected. These Terms are a legally binding agreement between you and us. If you have any questions, please contact us at hello@stookapp.com.