DDScore.ai — Terms of Service

Effective date: 13 August 2026

2026.08.13 22:00

These Terms of Service govern your use of the DDScore.ai service. Most provisions apply to all users. Section 7 contains additional terms that apply only if you choose to use the optional public share link function described therein.

1. Professional Use Representation

The Service is intended strictly for professional and business use (B2B). By accessing the Service, you expressly represent and warrant that you are acting in a professional capacity (e.g., as an investor, business professional, or corporate entity) and not as a consumer.

2. User Responsibility and Data Rights

2.1 Source Content: You represent and warrant that you own or have the necessary legal rights, permissions, and consents to upload and process any documents you submit. You shall not upload material that infringes upon the intellectual property, trade secrets, or privacy of any third party.

Where you enable a check of an individual's professional background against public sources, you instruct us to carry out that check for that individual, and you are responsible for having the legal basis required to do so under applicable law.

2.2 Decision Responsibility: The generated report is produced using a combination of AI-powered analysis and mathematical methods, including proprietary Advanced Probabilistic Analysis. It is an informational tool only and does not constitute investment, financial, legal, or tax advice.

The report may include the following types of content, each subject to specific limitations:

(a) Legal and regulatory observations — automated risk indicators based on patterns identified in the analysis. They are not legal advice, not a regulatory determination, and not a substitute for review by qualified legal counsel.

(b) Information about individuals named in the submitted materials — the analysis compares what the materials state about a person's professional background against publicly available information, and may surface references to public sources that appear relevant. These are retrieved references and comparisons, not judgments about the person. Public sources may be inaccurate, outdated, incomplete, or refer to a different person of the same name, and you should verify anything you intend to rely on.

(c) An assessment of the team against the stated objectives — an automated view of whether the combined background and composition of the team named in the materials appears adequate for the plans, claims and objectives presented in those materials. It concerns the team as a whole and is not an assessment of the suitability of any individual. It is an interpretation by the analysis, not a statement of fact.

(d) Assessments of third parties such as competitors or comparable companies — automated comparisons based on publicly available information at the time the report was produced. They reflect the analysis's interpretation, not verified facts.

(e) Forward-looking content such as revenue projections, exit scenarios, probability estimates, and valuation comparisons — illustrative outputs of the analysis intended to support discussion, not predictions of actual outcomes.

You are solely responsible for verifying the results before making any business decisions, and we recommend consulting qualified professionals — including legal counsel, tax advisors, and financial advisors — for matters within their expertise.

2.3 AI Compliance: For the purposes of Regulation (EU) 2024/1689, Playful Pixels Oy is the provider of the DDScore AI system and you are its deployer. Each party shall comply with the requirements of that Regulation that apply to its role.

The Service is intended to support research and analysis concerning companies and markets. You must not use the Service, or its outputs, in any manner prohibited by Article 5 of that Regulation, including to evaluate or classify natural persons on the basis of social behaviour or personal characteristics in a way that leads to detrimental or unfavourable treatment in contexts unrelated to the context in which the data was collected.

You must not use the Service, or its outputs, to take or materially inform a decision concerning a natural person in any of the areas listed in Annex III to that Regulation, including employment and access to self-employment, education and vocational training, the creditworthiness or credit scoring of natural persons, access to essential private services or to essential public services and benefits, law enforcement, and the administration of justice.

3. Data Privacy and Retention Policy

3.1 Zero Trace Policy. To ensure maximum data security:

(a) Source files: All source files you upload are automatically and permanently deleted from our servers immediately upon completion of report generation.

(b) Generated reports: Generated analysis reports are automatically and permanently deleted from our servers within 24 hours after report generation is complete, regardless of whether they have been accessed or downloaded.

The exceptions to this Section 3.1 are set out in Section 3.6 (Support Requests) and in Section 7 (Public Sharing — Optional Feature).

3.2 No Training. We do not use your data, prompts, uploaded documents, or generated reports to train or fine-tune our AI models or any third-party models.

3.3 Models and Third-Party Providers. The analysis is performed principally on our own infrastructure, using language models and other AI models that we host ourselves. Some parts of the analysis use third-party general-purpose model services. Our agreements with those providers prohibit the use of your data, prompts, uploaded documents or generated reports to train or fine-tune their models, and limit their processing to generating your report. The categories and locations of all providers are set out in our Data Processing Addendum.

3.4 Location. Data processing and servers are primarily located within the EU (Finland), governed by Finnish and EU GDPR laws. Any processing outside the EEA is subject to the safeguards described in the Privacy Policy and the Data Processing Addendum.

3.5 Anonymous Statistical Data. To develop and improve the Service, we retain anonymous, aggregated statistical data consisting of:

(a) the score of each of the 12 report sections (one numeric value per section); (b) the industry classification of the analyzed company, comprising the top two GICS levels and a free-form sub-classification at industry-level granularity; (c) the country or region; and (d) a timestamp.

This data is statistical and contains no link to your identity or to the submitted material. It is not personal data within the meaning of the GDPR. It is retained indefinitely for product development purposes only. We do not use it to train or fine-tune AI models, and we do not sell, license, or otherwise transfer this data to third parties.

3.6 Support Requests. When you submit a support request, the relevant report is automatically attached to the request. You may also voluntarily choose to attach source materials. Both the automatically attached report and any voluntarily attached source materials are retained for up to 14 days from the date of submission to allow investigation. Either party (you or Playful Pixels Oy) may request an extension to allow for longer investigations; any extension requires the mutual agreement of both parties, which may be communicated via the email address or phone number (SMS) provided in the support request. The text content of the support ticket itself is retained per our standard support-ticket retention policy as set out in our Privacy Policy.

3.7 Data Processing Addendum. Data processing is governed by our Data Processing Addendum (DPA), which is incorporated into these Terms by reference.

4. Ownership, Intellectual Property and NDA

4.1 Your materials. You retain all rights in the materials you submit. Nothing in these Terms transfers any right in them to us.

4.2 Your report. You own the report generated for you and may use, reproduce and share it for your own business purposes, subject to Section 4.3 and Section 6. However, due to our security policy, we do not keep backups. You are solely responsible for downloading and storing your report within the 24-hour window specified in Section 3.1(b), unless you have activated the share link function in accordance with Section 7, in which case the published version remains available for as long as the share link is active. You may not resell reports, or provide them as part of another product or service, without our prior written agreement.

4.3 Our intellectual property. We retain all rights in the Service, including the underlying models, the analytical and scoring methodology, the twelve-section report structure, the software, and any template or standard text reproduced in reports. Your ownership of a report does not transfer any right in these, and does not entitle you to extract or reuse them independently of the report.

4.4 Confidentiality. If a separate Non-Disclosure Agreement (NDA) is executed, its terms shall supplement or prevail over these Terms regarding confidentiality.

5. Payments and Technical Support

All payments are final and non-refundable. If a technical failure prevents report generation, we will provide a complimentary re-run of the analysis. You may also submit feedback or technical support requests via the Service; the handling and retention of materials submitted with such requests are governed by Section 3.6.

6. Suspension and Termination

We may suspend or terminate your access to the Service, including the closure of your account, with reasonable notice or, where the circumstances warrant, immediately and without prior notice, if:

(a) you have materially breached these Terms; (b) you have violated applicable law in your use of the Service; (c) you have misused the Service in a manner that risks harm to us, to other users, or to third parties, including fraudulent activity, unauthorized access, attempts to circumvent the technical or organizational measures of the Service, mass or systematic distribution of reports in a manner that risks harm to us — including harm to the integrity or commercial value of the Service — to other users or to third parties, or repeated publication of content falling within Section 7.12(a) or (b); (d) you have submitted materials in respect of which you do not have the rights or consents required by Section 2.1; (e) you have failed to pay applicable fees; or (f) we are required to do so by law or by a competent authority.

Where a suspension or termination relates to content you published under Section 7, the statement-of-reasons and contest procedure in Section 7.12 applies.

Upon suspension or termination, your right to access and use the Service ceases. The provisions of these Terms that by their nature should survive — including Section 2 (User Responsibility), Section 3 (Data Privacy and Retention Policy), Section 4 (Ownership, Intellectual Property and NDA), Section 8 (Limitation of Liability), and Section 10 (Governing Law) — survive termination.

7. Public Sharing (Share Link Function) — Optional Feature

This Section 7 applies only if you choose to use the optional in-service share link function described below. It supplements the rest of these Terms and applies in addition to them whenever you use the share link function. If you do not use the share link function, this Section 7 does not apply to you.

7.1 Optional, per-report feature. The Service offers a voluntary feature allowing you to publish a generated report or its main image (showing the 12 section scores and the overall score) via an in-service share link. This feature is activated on a per-report basis, at your sole discretion. This Section 7 applies only to use of the in-service share link function. It does not apply to, or restrict in any way, your independent sharing of reports outside the Service (e.g., downloading a PDF and forwarding it). Such independent sharing is under your own control, subject only to Section 4 and Section 6, and outside the scope of this Section 7.

7.2 What publishing does. When you activate the share link function, the Service creates a publicly accessible link that points to a hosted version of the report or main image on our servers. The hosted version is accessible via the public Internet.

7.3 Anonymization. The published version is produced by a rule-based anonymization designed to remove all personal data. It removes from the published version: (i) the entire team section of the report, and (ii) any other personal data appearing elsewhere in the report. The company name and the general analytical content of the report remain visible. Anonymization is applied on a best-practices basis. While our internal pre-check is designed to ensure that personal data appears only within the team section, no automated system is infallible, and you remain responsible for the verification described in Section 7.4.

7.4 Pre-publication verification. Before you activate a share link, you are reminded by the user interface to verify (i) that the report contains no personal data you do not have the right to share, and (ii) that the report contains no other content you do not have the right to share. You retain ultimate responsibility for verifying the published content before activation, and you represent and warrant that you have the legal right to publish the content, including the company name and analytical content appearing in the published version.

7.5 Source materials remain subject to immediate deletion. Notwithstanding the share function, source files are deleted immediately upon report completion as set out in Section 3.1(a). The Service does not retain source materials for the share function.

7.6 Retention while the share link is active. The published version and the corresponding generated report are retained on our servers for as long as the share link is active. This is an exception to the 24-hour deletion rule in Section 3.1(b).

7.7 Disclaimer, timestamp, and version. Each published report and main image carries a visible disclaimer indicating that the content is AI-generated by DDScore.ai and is not investment, financial, legal, or tax advice, together with a timestamp and the service version identifier corresponding to the time of publication.

7.8 Deletion of the share link. You may delete the share link at any time via the user interface. Upon deletion, the published version is immediately removed from our servers. The corresponding stored report is then subject to the standard 24-hour deletion rule under Section 3.1(b), starting from the moment the share link is deleted. This gives you a final window to download or save the report before it is permanently removed from the Service.

7.9 Cache and third-party indexing. Our undertaking is limited to removing the published content from our own Service when you delete the share link. We apply industry best-practice measures designed to reduce the likelihood of share links being indexed by search engines or stored in web archives. However, because the published content is hosted on the public Internet, we cannot guarantee that it will not be indexed, archived, or cached by parties outside our control, and we cannot cause its removal from such third-party systems. The likelihood of indexing, archiving, or caching increases substantially if you distribute the link via third-party platforms (e.g., social media, online forums). You acknowledge these risks when using the share link function and when distributing the link outside the Service.

7.10 Account closure. When you close your account, all active share links are automatically deactivated and the corresponding published versions are removed from our Service. Anonymous statistical data described in Section 3.5 is not removed, as it is not personal data.

7.11 License grant. By choosing to publish via the in-service share link function, you grant Playful Pixels Oy a non-exclusive, revocable, worldwide license to host, store, display, and distribute the published content for as long as the share link is active. The license terminates automatically when you delete the share link. This license applies exclusively to the in-service share link function. It does not apply to, or restrict in any way, your independent sharing of reports outside the Service, subject only to Section 4 and Section 6.

7.12 Moderation. We may restrict or remove published content and deactivate the corresponding share link where we reasonably consider that the content:

(a) is unlawful, including content that is defamatory, that infringes intellectual property rights or trade secrets, or that discloses personal data unlawfully; (b) breaches these Terms, including Section 7.4; or (c) is the subject of a substantiated notice under Section 7.13 or an order from a competent authority.

Decisions to restrict or remove content are taken by a person.

Where we restrict or remove content you published, we will inform you without undue delay and give you a statement of reasons setting out the facts and circumstances relied on, the legal or contractual ground for the decision, whether automated means were used in detecting or deciding the matter, and the redress available to you — including how to contest the decision with us and your right to pursue judicial redress. We will not provide a statement of reasons where we are legally prohibited from doing so.

If you disagree with a decision, you may contest it by replying to the statement of reasons. We will review the matter and respond within a reasonable period.

7.13 Reporting unlawful content (notice and action). Any person or entity may notify us of content published through the share-link function that they consider unlawful, by email to [email protected].

To allow us to assess the notice, please include: (a) a sufficiently substantiated explanation of why you consider the content unlawful; (b) the exact URL of the content, and any further information needed to locate it; (c) your name and email address, except where the notice concerns an offence referred to in Articles 3 to 7 of Directive 2011/93/EU; and (d) a statement confirming your good-faith belief that the information in the notice is accurate and complete.

We will send confirmation of receipt without undue delay. We will process notices in a timely, diligent, non-arbitrary and objective manner, and we will notify you of our decision, of whether automated means were used in processing the notice or reaching the decision, and of the redress available to you against that decision.

This Section 7.13 implements Article 16 of Regulation (EU) 2022/2065. It does not replace any other legal remedy available to you, and it is separate from requests to exercise data protection rights, which are handled as described in our Privacy Policy.

8. Limitation of Liability

To the extent permitted by Finnish law, our total aggregate liability for any claim arising out of or relating to the Service is limited to the fee actually paid by the User for the individual report in question. We are not liable for any indirect, incidental, special, or consequential damages, or for any loss of profits, revenue, data, or investment capital.

9. General Provisions

9.1 Service Availability. We strive to maintain high availability of the Service, but we do not guarantee that it will be uninterrupted, error-free, or available at all times. The Service may be temporarily unavailable due to maintenance, upgrades, technical issues, or circumstances described in Section 9.2 (Force Majeure). We will use commercially reasonable efforts to minimize disruption and, where practicable, communicate planned maintenance in advance.

9.2 Force Majeure. Neither party shall be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including natural disasters, war, civil unrest, governmental actions, labor disputes, internet outages, or significant third-party infrastructure failures.

9.3 Modification of Terms. We may update these Terms from time to time. We will notify you of material changes at least 14 days in advance via email or in-app notification. Continued use of the Service after the effective date of the updated Terms constitutes your acceptance of the changes.

9.4 Severability and Entire Agreement. If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full effect. These Terms, together with the DPA, the Privacy Policy and any supplemental Campaign Terms expressly accepted by you, constitute the entire agreement between you and Playful Pixels Oy regarding the Service and supersede all prior or contemporaneous agreements.

10. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Finland. Any dispute, controversy, or claim arising out of or relating to these Terms shall be finally settled by the District Court of Helsinki, Finland (Helsingin käräjäoikeus) as the court of first instance.

Contact

Playful Pixels Oy | Business ID 2410516-5 | Espoo, Finland | [email protected]

Support enquiries, notices of unlawful content under Section 7.13, and requests to exercise data protection rights: [email protected]. This address also serves as our point of contact for recipients of the Service under Article 12 of Regulation (EU) 2022/2065.