General Terms and Conditions

Version 1.0

1. About BARK

BARK provides AI-powered software and services designed to support financial institutions and other professional users in regulatory research, regulatory knowledge management, quantitative analysis, reporting and decision support.

BARK may be accessed through BARK-operated interfaces or through supported third-party platforms, integrations, plugins, APIs or AI environments. These Terms apply to your use of BARK regardless of the interface or technical environment through which the Service is accessed.

BARK is a developing technology platform. Features, functionality, integrations, regulatory coverage, content and service configurations may evolve over time as the platform is improved.

BARK is currently intended primarily for customers operating within Europe and the Nordic region. Availability in other jurisdictions may be introduced separately.

2. Agreement and Order of Precedence

By creating an account, purchasing or subscribing to a BARK service, accepting an Order Form or otherwise using the Service, the customer (“Customer”) agrees to these Terms.

Additional terms may apply through an Order Form, subscription, service description, Data Processing Agreement (“DPA”) or other written agreement between BARK and the Customer.

In the event of a conflict, the following order of precedence applies:

1. an individually negotiated and signed Order Form or agreement;
2. the applicable DPA, solely with respect to the processing of Personal Data on behalf of the Customer;
3. these Terms;
4. other service descriptions or documentation incorporated into the Agreement.

Where BARK processes Personal Data on behalf of the Customer, such processing is governed by the applicable DPA. In matters relating to such processing, the DPA shall prevail over conflicting provisions in these Terms.

3. Subscriptions, Plans and Research Credits

BARK may offer subscriptions, trials, usage-based services, Research Credits or other commercial plans.

The features, usage allowances, Research Credits, subscription periods and prices applicable to a particular plan are those presented at the time of purchase or otherwise agreed with the Customer.

Research Credits represent usage rights within the relevant BARK service. They have no monetary value, cannot be redeemed for cash and are not transferable unless expressly stated otherwise.

BARK may change the structure, pricing or included usage of future plans. Such changes do not retroactively alter a Customer's current paid subscription period unless agreed with the Customer.

Unless otherwise stated, subscriptions renew according to the terms presented at purchase or in the applicable Order Form.

4. Accounts and Authorised Use

Customers must provide accurate account information and keep account credentials secure.

Accounts may only be used by authorised users within the Customer's organisation unless otherwise agreed.

The Customer is responsible for managing its authorised users and for activities carried out through its accounts where such activities result from the Customer's acts, omissions or failure to protect its credentials.

Nothing in this section limits BARK's own responsibilities regarding the operation and security of the Service.

The Customer must promptly notify BARK if it becomes aware of unauthorised access to its account.

5. Trials and Beta Features

BARK may offer free trials, previews, experimental features, beta functionality or early-access services.

Such services may be changed, suspended or discontinued and may contain errors or incomplete functionality.

Unless otherwise expressly agreed, trials and beta features are provided for evaluation purposes and without any commitment that they will become generally available.

6. Payment and Taxes

Prices are stated exclusive of VAT and other applicable taxes unless expressly stated otherwise.

The Customer is responsible for paying applicable taxes, charges and fees associated with its purchase.

Payments are processed according to the payment method presented at checkout, in an Order Form or otherwise agreed with BARK.

Unless required by applicable law or expressly agreed otherwise, fees already paid are non-refundable.

Failure to pay amounts when due may result in suspension or termination of access to the Service.

7. AI-Generated and Regulatory Information

BARK uses artificial intelligence and other computational technologies to analyse information and generate research, explanations, calculations, reports and other outputs.

AI-generated output may contain errors, omissions, outdated information or incorrect interpretations.

Where available, BARK may provide citations, source references, traceability or other supporting information. Such functionality is intended to help users evaluate the basis of an output but does not constitute a guarantee that the output is complete or correct.

BARK does not provide legal, regulatory, accounting, investment or other professional advice.

The Customer remains responsible for reviewing BARK output and for decisions, regulatory submissions, actions or omissions based on use of the Service.

8. Customer Responsibilities

The Customer is responsible for ensuring that its use of BARK complies with applicable laws, regulations, internal policies and contractual obligations.

The Customer must not use BARK:

• for unlawful or fraudulent purposes;
• to infringe intellectual property, confidentiality, privacy or other rights;
• to introduce malicious code or attempt unauthorised access;
• to interfere with the operation or security of the Service;
• to reverse engineer, extract or reproduce protected elements of BARK except where expressly permitted by mandatory law; or
• to provide BARK with information or content that the Customer does not have the right to process or disclose.

9. Customer Data

For purposes of these Terms:

“Customer Content” means prompts, questions, documents, datasets, reports, financial or institutional information and other content submitted to or processed through BARK by or on behalf of the Customer.

“Account Data” means information used to establish and administer the Customer's relationship with BARK, such as name, work email address, organisation, account identifiers and subscription information.

“Usage Data” means technical and operational information relating to the use, performance and security of the Service, such as feature usage, activity events, performance information, error information and service diagnostics.

“Feedback” means suggestions, comments or other feedback voluntarily provided to BARK regarding the Service.

The Customer retains its rights in Customer Content.

The Customer grants BARK the limited rights necessary to host, transmit, process and otherwise handle Customer Content for the purposes of providing, operating, securing, maintaining, supporting and troubleshooting the Service and fulfilling BARK's contractual and legal obligations.

BARK does not use Customer Content to train its own general-purpose AI models.

BARK may use Usage Data, Feedback and aggregated or de-identified information to understand, maintain, secure and improve the Service, provided such use is consistent with applicable law and does not identify the Customer or individual users where information is represented as aggregated or de-identified.

Where BARK processes Personal Data contained in Customer Content on behalf of the Customer, such processing is subject to the applicable DPA.

The Customer is responsible for ensuring that it has the necessary rights, permissions and lawful basis to provide Customer Content to BARK for processing.

10. Confidentiality and Access

Each party shall protect confidential information received from the other party using reasonable measures and shall use such information only for purposes connected with the Agreement.

BARK may permit appropriately authorised personnel to access Customer Content where reasonably necessary to provide, support, maintain, troubleshoot or secure the Service, investigate failures or incidents, or comply with applicable legal obligations.

Such access does not grant BARK ownership of Customer Content.

Confidentiality obligations do not apply to information that:

• is or becomes publicly available without breach of the Agreement;
• was lawfully known to the receiving party without confidentiality obligations;
• is independently developed without use of the other party's confidential information; or
• is lawfully received from a third party without confidentiality restrictions.

Where disclosure is required by law, regulation, court order or competent authority, the receiving party may make the required disclosure and, where legally permitted and reasonably practicable, shall limit the disclosure to what is required.

11. Intellectual Property

BARK and its licensors retain all rights, title and interest in the BARK platform, software, technology, models, architecture, interfaces, methodologies, designs, trademarks, documentation and other intellectual property associated with the Service.

Except for the limited right to use the Service under the Agreement, no intellectual property rights are transferred to the Customer.

Unauthorised copying, extraction, reproduction, reverse engineering, distribution or commercial exploitation of BARK intellectual property may result in suspension or termination and may lead to legal action.

12. Third-Party Services and Integrations

BARK may use third-party service providers and subprocessors as part of delivering the Service, including infrastructure, AI, data-processing and other technology providers.

Where such providers process Personal Data on behalf of BARK in connection with BARK's provision of the Service, their use is governed by the applicable data protection arrangements, including the DPA where applicable.

BARK may also allow the Customer to access or use BARK through third-party platforms, integrations, plugins, APIs or AI environments selected or controlled by the Customer.

Where the Customer chooses to use such an external service, the Customer's use of that service may be subject to the third party's own terms, privacy practices, fees, technical requirements and availability.

BARK is not responsible for the operation, security, availability, functionality or data handling of a third-party platform independently selected or controlled by the Customer, to the extent such matters are outside BARK's reasonable control.

Changes made by third-party providers may affect how BARK integrates with or operates through those environments.

13. Feedback and Product Improvement

Customers may voluntarily provide ideas, suggestions and feedback regarding BARK.

BARK may use such Feedback to develop and improve its products and services without restriction or obligation to compensate the Customer, provided that BARK does not publicly identify the Customer as the source without permission.

BARK may also use aggregated or de-identified Usage Data to understand service performance, usage patterns and opportunities for product improvement in accordance with Section 9.

Nothing in this section grants BARK additional rights to use Customer Content beyond those described in Section 9 or the applicable DPA.

14. Customer Indemnification

The Customer shall indemnify BARK against third-party claims arising directly from Customer Content or the Customer's use of the Service in violation of applicable law, third-party rights or these Terms, to the extent the claim results from the Customer's acts or omissions.

This obligation does not apply to the extent a claim results from BARK's breach of the Agreement or applicable law.

15. Limitation of Liability

To the maximum extent permitted by applicable law, neither party shall be liable for indirect, incidental, special or consequential damages, including loss of profit, revenue, business opportunity or goodwill.

Unless otherwise agreed in writing, BARK's aggregate liability arising out of or relating to the Service shall not exceed the fees paid or payable by the Customer to BARK during the twelve months preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

Additional or different liability arrangements may be agreed in an Order Form or other written agreement.

16. Availability and Changes to the Service

BARK aims to provide a reliable Service but does not guarantee uninterrupted or error-free availability.

Maintenance, technical issues, security requirements, regulatory developments or changes to third-party services may result in temporary interruptions or changes.

BARK may modify the Service as it develops, including features, interfaces, models, regulatory coverage and integrations.

BARK will not materially reduce paid core functionality during a current subscription period without reasonable cause or an appropriate alternative, except where required for security, legal, regulatory or third-party dependency reasons.

17. Suspension and Termination

BARK may suspend or terminate access where reasonably necessary due to:

• material breach of the Agreement;
• non-payment;
• unlawful or abusive use;
• security risks;
• infringement of BARK's or third-party rights; or
• legal or regulatory requirements.

Where reasonably practicable, BARK will provide notice and an opportunity to remedy a remediable breach before termination.

Termination or expiry of the Agreement does not automatically require immediate deletion of all Customer Data.

Customer Content and Personal Data following termination will be handled in accordance with the applicable DPA, Privacy Policy, Order Form or other written agreement, including any applicable provisions concerning return, export, retention or deletion.

Termination does not affect payment obligations accrued before termination.

Provisions which by their nature are intended to survive termination, including confidentiality, intellectual property, accrued payment obligations, limitations of liability and applicable data protection obligations, shall survive.

18. Changes to These Terms

BARK may update these Terms to reflect changes to the Service, applicable law, regulatory requirements or BARK's business operations.

For material changes that adversely affect Customers with an active paid subscription, BARK will provide reasonable prior notice.

Unless a different date is stated, updated Terms apply from the effective date communicated by BARK.

Changes will not override individually negotiated terms, an applicable Order Form or DPA except in accordance with their respective amendment provisions.

If a material change substantially and adversely affects a Customer's current subscription and the parties cannot reasonably resolve the issue, any termination rights will be determined by the applicable Order Form or other agreement.

19. Governing Law and Disputes

These Terms and the Agreement are governed by Swedish law, without regard to conflict-of-law principles.

Any dispute arising out of or relating to the Agreement shall be subject to the jurisdiction of the Swedish courts, with Stockholm District Court as the court of first instance, unless otherwise agreed in writing.

20. Contact

Regulatory Knowledge Europe AB
Registration number: 559536-9876
Birger Jarlsgatan 57
113 56 Stockholm
Sweden

Email: info@barktechnologies.se