Terms of Use

Last updated: June 2026

The most important things: A2B2 provides intelligence, not financial advice. We never recommend buying or selling. We earn money only from subscriptions - no commissions, no product placement. You decide what to do with everything we surface.

01 About A2B2

What A2B2 is

A2B2.ai is operated by Equora AI Limited (registered in Hong Kong SAR, company number 80313661) and Equora AI and Technologies Inc. (registered in Delaware, USA, company number 10608583), trading as A2B2.ai. References to "A2B2," "we," "us," or "our" mean Equora AI Limited, Equora AI and Technologies Inc. and any subsidiaries operating the platform.

A2B2.ai is a wealth intelligence platform combining multiple frontier AI models, agentic tools, and verified human experts across four pillars:

RESEARCH

Multi-model intelligence engine - query multiple frontier AI models simultaneously; consensus and divergence surfaced transparently

CONNECT

Expert content and community - intelligence published by verified CIOs and advisors

EXPLORE

Market and product intelligence search across asset classes and geographies

OWN

Portfolio consolidation across institutions, currencies, and asset classes

02 Acceptance

How you agree

Creating an account - or continuing to use the platform after a notified update - means you accept these Terms, our Privacy Policy, and our Acceptable Use Policy (Section 13 below). If you don't agree, don't use the platform.

03 Eligibility

Who can use A2B2

• Age: 18 only
• Geography: US and Hong Kong at MVP launch. Access from other jurisdictions is at the user's own risk
• US persons: Platform operates under the Publisher's Exclusion, Investment Advisers Act 1940 (15 U.S.C. § 80b-2(a)(11)(D))
• HK users: Platform operates under the Broadcaster/Journalist exemption, Schedule 5 SFO (Cap. 571)
• Verified professional tiers (see a2b2.ai/pricing): Access conditional on successful credential verification at onboarding. Providing false information is grounds for immediate termination and regulatory referral

04 What A2B2 provides

Intelligence, not advice

Everything on A2B2.ai is informational. Nothing constitutes personalised investment advice, a recommendation to buy or sell any financial product, or any regulated financial service.

How our AI works

We run two interrogation steps: (1) cross-examining the information or content you bring to the platform for source credibility, logical soundness, and analytical completeness; (2) cross-examining the AI models themselves to surface where they converge and where they diverge. You receive a validated synthesis. You decide what to do with it.

We never recommend. We don't form proprietary investment views or recommend specific financial products, portfolio strategies, or tax actions. Our language stays in the aggregator frame: "sources suggest," "consensus across models indicates," "market views are divided." If an output looks like a recommendation, report it immediately.

Agentic tools boundary

Our agentic tools are research tools only - organising sources, structuring comparisons, summarising and pressure-testing information within your defined parameters. They do not take discretionary investment decisions, provide suitability assessments, or execute any transaction. You retain full decision authority at all times.

Portfolio data (OWN module)

Your portfolio information is read-only aggregation for display purposes only. We cannot execute trades, move funds, withdraw assets, rebalance portfolios, or instruct any financial institution. We are not your financial institution.

No guarantee of accuracy

Market data may be delayed or incomplete. AI outputs may be incorrect. Verify material information independently before acting. Expert content in CONNECT represents the individual contributor's views - we verify credentials but do not endorse opinions.

05 User accounts

Your account

• Provide accurate information at registration and keep it current
• Credentials are personal and non-transferable; do not share them
• Notify security@a2b2.ai immediately of any suspected unauthorised access
• One account per person; creating multiple accounts to circumvent limits is prohibited

06 Fees & subscriptions

How pricing works

Revenue model: We earn revenue exclusively from subscriptions. No transaction fees, no commissions, no performance fees, and no revenue from financial product placement, distribution, or referral arrangements.

Current plans, prices, and what each tier includes are at a2b2.ai/pricing. What each office does is described at a2b2.ai. Pricing may change on at least 30 days' notice; changes do not affect your current billing period.

Credit top-ups are available on eligible tiers - see a2b2.ai/pricing for which tiers support top-ups. Prices are shown in-app at the time of purchase.

Cancellation: Cancel at any time via account settings. Access continues to the end of the paid period. To cancel, see FAQ - Account for instructions.

Auto-renewal: Subscriptions renew automatically on your billing date. You will receive a renewal reminder by email before each annual renewal charge. Cancel before the renewal date to avoid the next charge.

Refunds: Subscription fees are non-refundable unless stated otherwise in writing. If you believe you have been charged in error, contact billing@a2b2.ai within 7 days of the charge with your account email and the billing date in question.

Fair use: Use of the platform must remain within personal or professional research purposes consistent with your tier. Automated or scripted bulk queries, scraping, or any use designed to replicate the platform's output outside the platform are prohibited and may result in immediate suspension. Rate limits are enforced in-app to protect platform performance for all users. See the Acceptable Use section below.

07 Intellectual property

Who owns what

• Platform IP: All technology, design, trademarks, and platform content are owned by or licensed to Equora AI Limited. No copying, reverse engineering, or derivative works without written consent
• AI outputs generated for you: Available for personal, non-commercial use within your subscription tier. A2B2 retains rights to use anonymised, aggregated interaction data for platform improvement - see the Privacy Policy
• Your content: You retain ownership of content you submit. You grant A2B2 a limited licence to process it solely to deliver the service
• Expert content (CONNECT): Owned by contributors; A2B2 holds a hosting and distribution licence

Copyright and DMCA: A2B2 respects intellectual property rights. A formal DMCA Copyright Policy - including a registered agent and takedown procedure - will be published before the CONNECT publishing feature launches. In the meantime, direct copyright concerns to legal@a2b2.ai.

08 Third-party services

Partners we work with

A2B2 is not liable for failure, unavailability, or inaccuracy of third-party services outside our reasonable control.

08b Enterprise & CIO tiers

Enterprise and A2B2 Editor

The CIO/publishing tier (available by application, annual billing only) is described at a2b2.ai/pricing. Pricing and credit allocation are confirmed on application. All terms here apply; additional terms specific to publishing and content distribution are provided at onboarding.

Enterprise tiers (for financial institutions, wealth managers, asset managers, private banks, and similar organisations) are governed by a separate written agreement between the institution and Equora AI Limited. These Terms of Use apply to the extent not superseded by that agreement. Enterprise arrangements begin with a conversation - contact enterprise@a2b2.ai.

Enterprise administrators cannot access individual query content, session transcripts, uploaded documents, or portfolio data for users under their plan. Aggregate usage statistics are available at plan level only. Individual user privacy is maintained regardless of the enterprise arrangement.

For what each tier includes, see a2b2.ai/pricing.

09 Suspension & termination

When access ends

We may suspend or close your account (with or without notice) if you breach these Terms, we suspect fraud or illegal activity, we're required to by law, or we discontinue the service.

You can close your account at any time via account settings. On termination, access ceases at the end of the final paid period and your data is handled in accordance with our Data Retention Policy. Clauses on IP, Liability, and Governing Law survive termination.

10 Limitation of liability

What we're responsible for

Liability cap: Our total aggregate liability is limited to the subscription fees you paid in the 12 months before the event giving rise to the claim.

Excluded losses: Investment losses or missed gains; decisions made in reliance on any platform output; third-party data errors; indirect or consequential loss; loss of profits.

Nothing limits our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability that cannot be excluded under applicable law.

Not financial advice. A2B2 is not a registered investment adviser, broker-dealer, or financial planner in any jurisdiction. Platform outputs are for informational purposes only. Always consult a licensed financial professional before making investment decisions.

11 Governing law & disputes

Governing law & dispute resolution

Governing law

US users: These Terms are governed by the laws of the State of Delaware, without regard to conflict of laws principles. Equora AI Limited operates its US-facing services through Equora AI and Technologies Inc. (incorporated in Delaware, EIN/Corp ID 10608583).

Hong Kong and Asia users: These Terms are governed by the laws of the Hong Kong Special Administrative Region, without regard to conflict of laws principles. Nothing limits statutory rights available to users under applicable US federal/state or Hong Kong consumer protection law.

Dispute resolution - US users

Any dispute, claim, or controversy arising out of or relating to these Terms - including formation, interpretation, breach, or enforceability - shall be resolved by binding individual arbitration administered by JAMS in New York, New York, before a single arbitrator, under the JAMS Comprehensive Arbitration Rules in effect at filing. Judgment on the award may be entered in any court of competent jurisdiction.

Class action waiver: YOU AND A2B2 EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS-WIDE ARBITRATION. All claims must be brought individually.

Small claims: Either party may bring an individual action in a qualifying small claims court without arbitration.

Opt-out: You may opt out of mandatory arbitration by notifying us in writing at legal@a2b2.ai within 30 days of first accepting these Terms. Include your full name and state you are opting out. Opting out does not affect any other provision.

Costs: We will pay JAMS filing fees for claims under $10,000 where you are the claimant, unless the arbitrator determines your claim is frivolous.

Limitation period: Any claim must be brought within one year of the event giving rise to it, to the extent permitted by law.

Dispute resolution - HK and Asia users

Each party submits to the non-exclusive jurisdiction of the courts of Hong Kong SAR to hear and determine any dispute arising out of or in connection with these Terms.

12 Changes to terms

When this agreement changes

• Material changes (data use, fees, liability, user rights) come with at least 30 days' notice via email and in-app banner before they take effect
• Non-material changes (corrections, clarifications) take effect on publication with the version date updated

Continuing to use the platform after a material change takes effect counts as acceptance. If you don't accept, close your account before the effective date.

Material changes include: changes to data collection, use, or sharing; new third-party processors; pricing changes; liability changes; governing law changes; new eligibility requirements.

13 Founding Member Programme

Founding member terms

The Founding Member Programme application ends on 30 September 2026. Members who subscribe during this window receive founding member status. This status is permanent once conferred and does not lapse while the subscription remains active.

What founding membership includes

• Launch rate locked for three years - your subscription price is held at the rate in effect when you joined. If A2B2 raises prices after launch, founding members are protected for the duration of the three-year lock
• Welcome discount - a founding-member rate reduction applies to your first billing period, on top of the locked rate. Exact amount is shown at checkout
• Permanent early access - founding members receive access to new features before general release, in perpetuity
• Founding badge - a permanent mark on your account identifying you as a founding member
• Member-only events - invitations applicable to qualifying tiers - see a2b2.ai/pricing

Conditions and limits

• The founding window is time- and quota-limited. When spots for a given tier close, they do not reopen
• The locked rate applies to the base subscription. It does not cover credit top-ups, add-ons, applicable taxes, or price changes to those items
• The three-year lock requires continuous subscription. If you cancel and resubscribe, the current price at resubscription applies
• Founding member status may be revoked for material breach of these Terms
• The lock period runs three years from the date of your first founding-member subscription payment

For pricing details and the full feature comparison for each tier, see a2b2.ai/pricing. For FAQs on the programme, see FAQ - Account.

14 Acceptable use

What you must not do

Permitted use: personal research and intelligence gathering within your subscription tier; professional client preparation (applicable advisor tiers); attributable content publishing at tiers that include it.

• 01Misrepresent outputs - do not present any A2B2 output as regulated financial advice or a personal recommendation to any third party
• 02Scrape or harvest - do not use bots, scrapers, or automated tools to extract content at scale without written consent
• 03Reverse engineer - do not attempt to decompile or extract platform source code or AI model logic
• 04Share or resell access - do not share credentials or commercialise platform access without written consent
• 05Elicit investment advice - do not attempt to use the platform to generate personalised buy/sell recommendations or portfolio management instructions
• 06Submit automated bulk queries - scripted bulk queries designed to replicate outputs or overload infrastructure are prohibited
• 07Upload harmful content - no unlawful, defamatory, misleading, or IP-infringing content
• 08Impersonate - do not create false identities or misrepresent credentials, professional status, or institutional affiliation
• 09Publish non-compliant content (A2B2 Decoder tier) - content must not constitute unlicensed financial advice or contain false or misleading statements
• 10Circumvent access controls - do not attempt to access tiers, features, or data you are not subscribed to or authorised for

Consequences of breach: Account suspension pending investigation; permanent termination; content removal; regulatory referral; legal action. Action may be taken without notice where necessary to protect the platform or users.

Report misuse: support@a2b2.ai - reports are treated confidentially.

15 Contact & complaints

Reach us

General support

support@a2b2.ai

Legal

legal@a2b2.ai

Compliance / misuse

support@a2b2.ai

Privacy

privacy@a2b2.ai

Billing

billing@a2b2.ai

Complaints

If something has gone wrong, we want to know. Complaints can be submitted:

• In-app: Help → Contact Us → Make a Complaint
• By email: support@a2b2.ai

Please include: your name and account email; a description of what went wrong and when; the outcome you are seeking. For AI output complaints, include the specific output text, the query context, why you believe it was wrong or harmful, and its effect on you.

AI output complaints are a priority category - escalated to human review as a matter of policy. Initial substantive response within 10 business days.

Escalation

If you are not satisfied with our response:

• HK - privacy: Office of the PCPD - pcpd.org.hk
• US - privacy: FTC or relevant state Attorney General
• US - federal: Federal Trade Commission - ftc.gov

All complaints and investigation records are retained for 5 years from the complaint date.