Terms & Conditions

These Terms & Conditions ("Terms") govern your access to and use of the XA platform ("XA", the "Platform"), operated by Upside Technologies Limited ("Upside", "we", "us"), a company registered in England and Wales. By creating an account you accept these Terms. If you do not accept them, do not use the Platform.

1.What XA is

XA is a crowd-intelligence platform on which users ("Analysts") submit investment ideas and predictions, stake platform credits on them, and build a scored, timestamped track record. XA is currently operating as a beta service: features, scoring methods and these Terms may change as the Platform develops, and availability is not guaranteed.

2.Scoring and machine learning — a condition of the service

Scoring is performed against market data and our published methodologies as they evolve. Scores, ranks and derived skill measures are determined by the Platform and, save for manifest error, are final.

3.Eligibility and accounts

• You must be at least 18 years old to use XA.
• You must provide accurate registration information and keep your credentials secure. You are responsible for activity on your account.
• Account approval is at our discretion; during the beta, new accounts are reviewed manually. One account per person — duplicate, automated or coordinated accounts may be removed and their balances forfeited.
• If you join through a university cohort link or code, you may be associated with that cohort for rankings, cohort features and ambassador programmes.

4.UPC platform credits

• UPC is the Platform's internal credit used for staking, rewards and platform features. UPC is not money, electronic money, or an investment, and holding it confers no ownership, dividend, or governance right in Upside.
• UPC balances may go down as well as up through staking outcomes, fees, and the Platform's published economic mechanics (including settlement charges and, where applicable, burns).
• Purchases of UPC (where offered) are purchases of platform credits for use on the Platform, and are non-refundable except where required by law.
• Certain UPC (for example, gifted or promotional credits) may carry restrictions — such as being usable for staking but not redeemable — as described on the Platform.

5.Your content, our data products — stated plainly

Transparency about this is part of XA's design, so we state it directly:

• You retain ownership of the ideas and analysis you submit. You grant Upside a worldwide, non-exclusive, royalty-free licence to host, process, score, analyse, aggregate and display your submissions for the purposes of operating and developing the Platform.
• Upside (together with its related entity Higher Park) creates and sells aggregated, skill-weighted data products derived from the crowd's submissions — for example, consensus signals and performance analytics sold to institutional buyers. This is the Platform's stated business model, not a side effect: the value of your ideas is what funds the rewards the Platform pays.
• Data products are constructed from submissions in aggregated and/or pseudonymised form. We do not sell your name, contact details, or account information to data buyers.
• Your sharing setting (private / cohort / public) controls which other users can see your ideas inside the Platform. It does not remove your submissions from the scoring engine or from aggregated data products, which operate on the crowd as a whole (Section 2).

6.Privacy

We process personal data in accordance with UK data-protection law. In summary: account data is used to operate the Platform; submission data is processed as described in Sections 2 and 5 as necessary to perform this contract; we never display your UPC balance to other users; and we do not send marketing without consent. A fuller privacy notice will be published as the Platform develops; questions in the meantime can be sent to the contact in Section 12.

7.Not investment advice

Nothing on XA — including ideas, scores, rankings, consensus lines or any data product — is investment advice, a personal recommendation, or an invitation to deal in any investment. Ideas are the opinions of their authors. Upside is not authorised by the Financial Conduct Authority and XA does not arrange deals in investments. Do not make investment decisions in reliance on Platform content.

8.Acceptable use

• No market abuse: do not submit ideas based on inside information, and do not use the Platform to manipulate any market or the Platform's own scoring.
• No gaming: coordinated staking rings, sybil accounts, plagiarised or machine-spammed submissions, and attempts to reverse-engineer or extract the Platform's data products are prohibited.
• No unlawful, infringing or abusive content.
• We may remove content, suspend or terminate accounts, and void or claw back UPC obtained through breach of this section.

9.Intellectual property

The Platform, its software, scoring methodologies, branding and data products are owned by Upside or its licensors. Except for your own submissions, you may not copy, scrape, or redistribute Platform content without our written permission.

10.Termination

You may stop using XA at any time and may request account deletion. We may suspend or terminate accounts for breach of these Terms, for legal or security reasons, or on reasonable notice as part of winding down or changing the beta. Sections 2, 5, 6, 7, 9, 11 and 12 survive termination; data already incorporated into aggregated data products or model training prior to deletion is not extracted retrospectively.

11.Liability

XA is provided "as is" during the beta. To the fullest extent permitted by law, Upside excludes all implied warranties and is not liable for trading or investment losses, loss of profits, or loss of data arising from use of the Platform. Nothing in these Terms excludes liability that cannot lawfully be excluded, including for fraud or for death or personal injury caused by negligence. Our total aggregate liability to you in connection with the Platform is limited to the greater of £100 and the amounts you have paid us in the 12 months before the claim.

12.General

• These Terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.
• We may update these Terms; material changes will be notified on the Platform, and continued use after notice constitutes acceptance. The version and date above identify the Terms you accepted.
• If any provision is found unenforceable, the remainder continues in effect.
• Contact: william@upsidetechnology.co · Upside Technologies Limited, England.

// End of Terms — v1.0, 18 July 2026