By accessing or using the Kloudream website located at kloudream.com (the "Site"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site.

These Terms apply to all visitors, users, and others who access or use the Site. We reserve the right to update these Terms at any time. Continued use of the Site after any changes constitutes your acceptance of the new Terms.

Kloudream is a holding company incorporated in Florida, United States. This Site serves as a corporate presence and informational portal for Kloudream and its subsidiaries, including Kloudream Financial. The Site does not constitute an offer to sell securities, investment advice, or financial services of any kind.

You may use the Site for lawful purposes only. You agree not to:

• Use the Site in any way that violates applicable federal, state, local, or international law
• Transmit any unsolicited or unauthorized advertising or promotional material
• Attempt to gain unauthorized access to any part of the Site or its related systems
• Use automated tools to scrape, crawl, or harvest content from the Site
• Impersonate Kloudream, its employees, or any other person or entity
• Upload or transmit viruses or any other malicious code
• Interfere with or disrupt the integrity or performance of the Site

All content on the Site — including but not limited to text, graphics, logos, icons, images, design elements, and the "Kloudream" name and brand — is the exclusive property of Kloudream and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content from this Site without our prior written consent.

The information provided on this Site is for general informational purposes only. Nothing on this Site constitutes financial, investment, legal, tax, or professional advice of any kind. You should consult a qualified professional before making any financial or legal decisions.

References to Kloudream Financial or any other subsidiary are for informational purposes only and do not constitute an offer of services.

The Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Kloudream does not warrant that:

• The Site will be uninterrupted, error-free, or secure
• The information on the Site is accurate, complete, or current
• Any defects will be corrected

To the fullest extent permitted by law, Kloudream disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

To the fullest extent permitted by applicable law, Kloudream and its officers, directors, employees, subsidiaries, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Site, including but not limited to:

• Loss of profits, revenue, or data
• Business interruption
• Personal injury
• Unauthorized access to or alteration of your data

This limitation applies regardless of whether the claim is based on warranty, contract, tort, or any other legal theory, even if Kloudream has been advised of the possibility of such damages.

The Site may contain links to third-party websites or services. These links are provided for your convenience only. Kloudream has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them. We encourage you to review the privacy policies of any third-party sites you visit.

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Florida, United States. By using the Site, you consent to the personal jurisdiction of such courts.

You agree to defend, indemnify, and hold harmless Kloudream and its subsidiaries, officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or expenses arising from your use of the Site, your violation of these Terms, or your violation of any third-party rights.

If any provision of these Terms is found to be unenforceable or invalid under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, or if not possible, shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

If you have any questions about these Terms of Use, please contact us:

• Email: info@kloudream.com
• Website: kloudream.com
• State of incorporation: Florida, United States