Effective Date: November 1, 2025 Last Updated: November 1, 2025

IMPORTANT — READ CAREFULLY: This End User License Agreement ("EULA") is a legal agreement between you (either an individual or a single legal entity) ("Customer" or "You") and Aloevoice.com ("Aloevoice," "Company," "We," or "Us") for the software product, platform, and associated media, printed materials, and "online" or electronic documentation (collectively, the "Platform" or "Services").

BY USING THE PLATFORM, YOU AGREE TO BE BOUND BY THE TERMS OF THIS EULA. IF YOU DO NOT AGREE TO THE TERMS OF THIS EULA, DO NOT INSTALL OR USE THE PLATFORM.

1. Grant of License Subject to your compliance with this EULA and payment of any applicable fees, Aloevoice grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform solely for your internal business operations during the term of your subscription.

2. Restrictions on Use You shall not, and shall not permit any third party to:

Reverse Engineering: Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Platform.

Modifications: Modify, translate, or create derivative works based on the Platform.

Competitive Analysis: Use the Platform for purposes of competitive analysis, benchmarking, or developing a competing product or service.

Unlawful Use: Use the Platform in any manner that violates applicable laws, including but not limited to the Telephone Consumer Protection Act (TCPA) and HIPAA.

Resale: Rent, lease, lend, sell, redistribute, or sublicense the Platform to any third party without prior written consent from Aloevoice.

3. Intellectual Property Rights

Ownership: You acknowledge that Aloevoice and its licensors own all right, title, and interest in and to the Platform, including all intellectual property rights therein. The Platform is licensed, not sold.

Feedback: If you provide any suggestions, feedback, or improvements regarding the Platform, you hereby assign all rights in such feedback to Aloevoice.

Customer Data: You retain ownership of all data, content, and information you upload or process through the Platform ("Customer Data"). You grant Aloevoice a license to use such data solely to provide the Services and as permitted by our Privacy Policy and BAA.

4. HIPAA and Data Privacy

Shared Responsibility: To the extent you use the Platform to process Protected Health Information (PHI), you agree to execute our Business Associate Agreement (BAA). You are responsible for obtaining all necessary patient consents and authorizations required by law.

Voice Recording Laws: You are solely responsible for complying with all applicable laws regarding the recording of telephone conversations, including "two-party consent" laws. You agree to configure the Platform to provide appropriate notices to call participants.

5. Updates and Maintenance Aloevoice may from time to time provide enhancements or improvements to the features/functionality of the Platform, which may include patches, bug fixes, updates, upgrades, and other modifications ("Updates"). Updates may modify or delete certain features and/or functionalities of the Platform. You agree that Aloevoice has no obligation to (i) provide any Updates, or (ii) continue to provide or enable any particular features and/or functionalities of the Platform.

6. Termination This EULA is effective until terminated. Your rights under this EULA will terminate automatically without notice from Aloevoice if you fail to comply with any term(s) of this EULA. Upon termination of the EULA, you shall cease all use of the Platform and destroy all copies, full or partial, of the Platform.

7. Disclaimer of Warranties THE PLATFORM IS PROVIDED TO YOU "AS IS" AND WITH ALL FAULTS AND DEFECTS WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, ALOEVOICE EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

8. Limitation of Liability TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ALOEVOICE OR ITS AFFILIATES BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES WHATSOEVER (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA OR OTHER INFORMATION, FOR BUSINESS INTERRUPTION, FOR PERSONAL INJURY, LOSS OF PRIVACY ARISING OUT OF OR IN ANY WAY RELATED TO THE USE OF OR INABILITY TO USE THE PLATFORM), EVEN IF ALOEVOICE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9. Governing Law and Jurisdiction This EULA shall be governed by and construed in accordance with the laws of the State of New York, excluding its conflicts of law rules. Any legal suit, action, or proceeding arising out of or related to this EULA shall be instituted exclusively in the federal or state courts located in Kings County (Brooklyn), New York.

10. Contact Information If you have any questions about this EULA, please contact us at: Golden Ratio International Inc., dba Aloevoice.com 39 Brighton 6th Ct Brooklyn, NY 11235 Email: [email protected]