Public Offer Agreement

This Public Offer Agreement is an offer to enter into an agreement for access to Strum and related digital services under the terms below.

Provider

FOP Yutysh Oleksandr

7B Levka Lukyanenka Street, Apt. 11, Kyiv, 04212, Ukraine

Offer contact: strum.yuinvest@gmail.com

1. Parties

FOP Yutysh Oleksandr, address: 7B Levka Lukyanenka Street, Apt. 11, Kyiv, 04212, Ukraine, offers users to enter into an agreement for use of Strum.

A user is an individual or legal entity that creates an account, subscribes, pays for services or actually uses the service.

2. Acceptance

The offer is accepted by creating an account, clicking a payment button, making a payment, starting to use paid features or any other action confirming agreement with these terms.

3. Subject

The provider gives the user access to Strum features: portfolio, asset, transaction, budget, financial goal, broker import, analytics, rebalancing and other digital service capabilities.

Strum does not provide brokerage, investment, banking, legal or tax services and does not make investment decisions for the user.

4. Provider rights and obligations

• Provide access to paid or free features according to the selected plan.
• Maintain service availability subject to maintenance, updates and circumstances outside the provider control.
• Change functionality, prices or terms and notify users through the site or other available channels when needed.
• Restrict access in case of violations, abuse, security risk or legal requirements.

5. User rights and obligations

• Use the service according to this offer, the Terms of Service and applicable law.
• Provide accurate information, independently verify financial data and not share account access with third parties.
• Pay for selected paid plans on time if the user chooses to use them.
• Do not use the service for illegal activity, attacks, restriction bypassing or third-party rights violations.

6. Price, payment and subscriptions

Service price, available plans, trial periods and subscription term are shown on the pricing page or during checkout. Payment is made online through WayForPay or another available method.

Access to paid features may be activated after payment confirmation. The user is responsible for correct payment details and sufficient funds for subscription payment.

7. Refunds

Refund requests are reviewed individually based on the applicable plan terms, request timing, actual service use and legal requirements. To submit a request, the user should contact the support email.

8. Data, cookies and privacy

Personal data processing is governed by the Privacy Policy. Optional analytics and marketing tags, including Google Analytics, Microsoft Clarity and Meta Pixel, are used only after user consent.

9. Liability

The provider is not responsible for the user investment decisions, profits, losses, tax consequences, errors in user-entered data or data received from external sources.

The provider liability, if any, is limited to the amount actually paid by the user for the relevant service period, unless mandatory law provides otherwise.

10. Force majeure

The parties are released from liability for non-performance caused by force majeure, including war, cyberattacks, provider outages, actions of public authorities or other events outside the reasonable control of the parties.

11. Term, changes and law

This offer is effective from publication on the site. The provider may update the offer, and the current version is always available on this page. The agreement is governed by Ukrainian law.

Questions about this offer can be sent to strum.yuinvest@gmail.com.