Monflex Subscription Policy

This Subscription Policy explains how you pay for Monflex, how your Subscription renews and how to cancel it. Please read it before you subscribe. If anything is unclear, write to us at support@monflex.io.

The Monflex Website (https://monflex.io/en), Web App and Mobile Apps (together, the "Platform") are made available in the United States by Monflex Technology Corp., a Delaware corporation ("Monflex", "we", "us", "our"). Monflex is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC File No. 801-137665, CRD# 344854). Registration with the SEC does not imply a certain level of skill or training and is not an endorsement by the SEC. The Platform is developed by our affiliate Monflex Operations Ltd. (Cyprus), which licenses it to us. Monflex Operations does not provide investment advice and is not a party to your agreements with us.

This Subscription Policy is part of the Monflex Terms of Use and is incorporated into them by reference. Words with capital letters that are not defined here, such as Subscription, Subscription Fee, Bot, Strategy, Demo Account, Brokerage Account and Available Broker, have the meaning given to them in the Terms of Use.

Our investment advice is provided under a separate Investment Advisory Agreement between you and Monflex. Our Form ADV Part 2A ("Firm Brochure") and Form CRS explain our services, fees and conflicts of interest. You can find them in the App and at https://adviserinfo.sec.gov/firm/summary/344854.

The Services are available only to persons located in the United States who meet the eligibility rules in Section 7 of the Terms of Use.

1. What You Pay For

All Monflex Services, including the Demo Account, are available only with a paid Subscription. The Subscription gives you access to the Platform. You start receiving personalized trade setups only after you finish onboarding: complete the suitability questionnaire, accept the Investment Advisory Agreement and confirm that you received the Firm Brochure and Form CRS.

Our current plans are listed below and in Item 5 of the Firm Brochure. The price that applies to you, including any discount and the renewal price, is shown at checkout before you pay.

Our Subscription Fees:

• are charged in advance, at the start of each billing period;
• are a flat fee: they do not depend on the size of your account or your investment results, and they do not go up when you switch on live trading;
• are fixed and not negotiable;
• do not include sales tax or VAT, which is added where it applies.

The Subscription Fee is separate from the money you invest, and we never deduct it from your Brokerage Account. It also does not cover charges of our Available Broker, Alpaca Securities LLC, under your own agreements with Alpaca (for example, account, transfer or wire fees), or the internal fees and expenses of ETFs, which reduce your returns.

AI Mentor is an optional educational add-on. It is a one-time purchase with lifetime access ($99.99 before any discounts and taxes) and does not renew. You do not need it to use your Subscription, the Bots or the Demo Account, and it does not give individualized investment recommendations. What "lifetime access" means is set out in Exhibit A to the Investment Advisory Agreement. Cancelling your Subscription does not affect AI Mentor.

2. Introductory Offers and Free Trials

On the Website and Web App, we may offer a discounted first period, such as the 1-week introductory plan. When it ends, your Subscription continues automatically at the regular price and billing period shown at checkout. To avoid this charge, cancel before the introductory period ends.

In the App Store and Google Play, the weekly plan may come with a 3-day free trial. Unless you turn off auto-renewal at least 24 hours before the trial ends, Apple or Google will charge you the weekly price and your Subscription will start.

The onboarding steps in Section 1 apply during a trial or introductory period too.

3. Automatic Renewal and Payment

Your Subscription renews automatically at the end of each billing period, for the same billing interval and at the renewal price disclosed at checkout, until you cancel. Your renewal price will not be higher than the regular (non-promotional) price of your previous term, unless we tell you about a price change in advance under Section 7.

How you can pay. On the Website and Web App you can pay by credit or debit card, PayPal, bank transfer or another method shown at checkout. A payment is complete only when we, or Monflex Operations on our behalf, receive the full amount without any deductions or payment provider fees. Please make sure the details in your Account match your payment method: a mismatch may cause a failed payment or a suspended Account.

Who collects your payment. Some payments may be collected for us by Monflex Operations. Purchases in the App Store or Google Play are billed by Apple or Google under their own terms. Whoever collects the payment, Monflex remains your investment adviser and is responsible for the advisory services.

Saved payment methods and failed payments. When you add a payment method, you allow us to save it and to charge the recurring Subscription Fee to it on each renewal date. If a charge to your main card fails, for example because it has expired or there are not enough funds, we may try again or charge another payment method saved in your Account. If we still cannot collect the payment, we may suspend or cancel your Subscription, and you will remain responsible for any unpaid amount.

4. How to Cancel

You can cancel at any time, without contacting us. Use the cancellation method that was shown to you when you bought your Subscription and that matches where you subscribed:

Website or Web App. Cancel in your profile before your next renewal date. Your Account is shared between the Web App and the Mobile Apps, so you can do this from either. We will confirm the cancellation by email.

App Store. Turn off auto-renewal in your Apple ID subscription settings at least 24 hours before your current period ends. Only Apple can cancel these subscriptions. Apple's support page explains how.

Google Play. Turn off auto-renewal in your Google Play subscription settings at least 24 hours before your current period ends. Only Google can cancel these subscriptions. Google's support page explains how.

The following actions do not cancel your Subscription or stop billing: deleting a Mobile App, deselecting a Bot or Strategy, or disconnecting your Brokerage Account. Deselecting a Bot or Strategy only stops new trade setups. Exit orders already sent to Alpaca under trade setups you approved may stay active.

5. What Happens After You Cancel

Cancelling turns off renewal. Your Investment Advisory Agreement and your access to the advisory services continue until the end of the period you have already paid for. The same applies if a renewal payment fails.

When that period ends:

• the Investment Advisory Agreement ends, and we stop giving you recommendations and sending orders for you;
• positions opened through Monflex in your Brokerage Account will be liquidated (sold), and we will notify you, as described in Section 11 of the Investment Advisory Agreement and in our Firm Brochure. A sale may result in a gain or a loss and may have tax consequences for you;
• your Brokerage Account stays with Alpaca. Accessing, keeping, transferring or closing it, and withdrawing your money, follow Alpaca's own procedures. Monflex cannot move or withdraw your funds.

We recommend that you close your open positions, or arrange how they will be managed, before you cancel.

If we suspend or terminate your Subscription under Section 24 of the Terms of Use, the advisory services and your open positions are handled under Sections 10 and 11 of the Investment Advisory Agreement.

6. Refunds

Nothing in this section limits any refund rights you have under applicable law.

Unused part of a period. If you cancel, or the Investment Advisory Agreement ends, before the end of a billing period, we do not refund the unused part of the prepaid Subscription Fee. You keep the advisory services until that period ends.

App Store and Google Play purchases. Refunds for store purchases are handled by Apple or Google under their refund policies. Request them directly from the store, and we will help you through its refund process if needed.

Other requests. If you were charged twice, or charged after you cancelled, contact support@monflex.io and we will correct it. In other cases you can still ask for a refund: we review each request individually and may grant a refund at our discretion.

We suggest you save a copy or a screenshot of this page so you can check your Subscription details later.

7. Changes to Fees and to This Policy

Fees. We may change Subscription Fees. We will tell you in advance, and a new fee will apply only from a renewal date after that notice. If you do not want to pay it, cancel before it applies. Fee changes will also be reflected in our Firm Brochure and in Exhibit A to the Investment Advisory Agreement.

This Policy. We change this Subscription Policy in the same way as the Terms of Use (Section 28). Administrative or non-material changes take effect at least 5 calendar days after we notify you. Material changes apply to you only after advance notice and your affirmative acceptance; if you do not accept them, you can stop using the Services and end the agreement under Section 24 of the Terms of Use.

This Subscription Policy is written in English. Any translation is for convenience only, and the English version prevails.

Last updated: November 7, 2026

8. Contact Us

Monflex Technology Corp.

1201 Orange Street, Suite 600, Wilmington, New Castle County, Delaware 19801, United States

SEC File No. 801-137665 · CRD# 344854

Email: support@monflex.io

© Monflex Technology Corp. 2026. All rights reserved.