Invix User Agreement

The Platform is operated by Shenzhen Invix Technology Co., Ltd. and provides registered users with the following principal services:

• Fund and ETF information lookup and display;
• AI-assisted questions, answers, and analysis based on public data and on preference, holding, transaction, and portfolio information that users actively save or provide in the app;
• Saving and tracking funds selected by the user;
• Simulated fund portfolio allocation, which is not a personalized investment advisory service.

These services rely on public information and user interaction records. The Platform does not guarantee that the information is accurate, complete, or current, and the services do not constitute investment advice or securities trading advice.

When a user actively enables a relevant feature and provides the corresponding data, the Platform may read preference, holding, transaction, and portfolio information related to the user's question to generate more relevant AI responses and auxiliary analysis. These features remain information services and supporting tools only. They do not constitute personalized investment advice, an earnings promise, or a securities recommendation.

1. Before using the Platform, users must register, sign in, and complete verification using their own valid mobile phone number.
2. Users are responsible for safeguarding their account and verification codes and are legally responsible for activity conducted through their account.
3. Users must provide truthful, lawful, and accurate information and update it promptly when it changes.

Users must not engage in any of the following conduct while using the Platform:

• Violating applicable laws, regulations, public morality, or public order;
• Uploading, distributing, or generating unlawful or inappropriate content involving violence, pornography, discrimination, or gambling;
• Using technical means to interfere with normal operation, including server attacks or automated data scraping;
• Impersonating the Platform or another person, fabricating facts, or misleading others;
• Any other conduct that may impair Platform security or the lawful rights and interests of users.

If a user violates these standards, the Platform may suspend or permanently disable the relevant account and cooperate with competent authorities as required by law.

1. All interface designs, text, graphics, data structures, algorithmic logic, marks, and other content displayed on the Platform are protected intellectual property of Shenzhen Invix Technology Co., Ltd. or the relevant rights holders.
2. Without authorization, users may not copy, scrape, distribute, modify, resell, or commercially exploit such content in any form.
3. Users retain rights in lawful original content they upload, while granting the Platform permission to use that content reasonably to provide the services.

1. Fund, ETF, and other product data displayed by the Platform comes from public sources and may be inaccurate because of delays or errors in third-party sources.
2. AI-generated content is based on user input and language-model inference. It does not constitute investment advice, a securities recommendation, or legal advice. Users must make decisions using their own independent judgment.
3. To the extent permitted by applicable law, the Platform is not responsible for direct or indirect losses arising from use of the services, including investment losses or unmet return expectations.

1. The Platform may adjust, change, suspend, or discontinue some or all service features as its business develops and will provide advance notice through in-app announcements or similar means where appropriate.
2. If a user violates applicable law or this Agreement, the Platform may suspend or terminate service at any time without liability, to the extent permitted by law.

Alipay plans are CNY 18 per month or CNY 198 per year, subject to availability shown in the app. After authorization, subscriptions renew automatically at the agreed interval. Users can stop future charges through subscription management in the app or Alipay. Cancelling renewal alone does not request a refund; paid access continues until the current period ends.

Daily refund policy, 26 October 2026 edition. It applies only to new Alipay subscriptions for which this rule was displayed and accepted at purchase, and their renewals. Earlier subscriptions and their renewals retain their original exact-unused-time policy without a one-day minimum. Existing refund quotes and confirmed requests retain their original rules.

Each paid period is calculated separately. Starting at that period’s activation time, each started 24-hour block counts as one day, with a one-day minimum after activation. Blocks do not reset at midnight. A paid period that has not started has no minimum deduction. Charged time cannot exceed the actual paid period.

The refund equals the amount actually paid for the period multiplied by the remaining time after the daily deduction, divided by the actual period duration. Only the final result is rounded to the nearest fen, half up, and capped at the unrefunded paid balance. Monthly and annual plans use the periods confirmed by Alipay. Annual plans retain their actual annual price and are not repriced at the monthly rate. No separate fixed service fee is deducted.

Example: for CNY 18 paid for exactly 30 days, a refund within or at 24 hours after activation deducts CNY 0.60 for one day and returns CNY 17.40. After 24 hours and up to 48 hours, two days are deducted and CNY 16.80 is returned. Actual quotes use the specific order’s confirmed period.

In the Android app, open Subscription Management → Manage Subscription → Check Unused-Time Refund. Quotes are valid for five minutes. Requesting a quote does not initiate a refund or end access. Confirmation stops renewal, ends the quoted paid entitlements, and returns the confirmed refund through the original payment channel. Arrival time depends on the payment channel. Check an existing pending request rather than submitting a duplicate.

For duplicate charges or failure to provide the purchased service, contact service@invix.site for verification and a full refund. These self-service calculation rules do not restrict statutory rights. Apple App Store purchases are reviewed and refunded by Apple under its rules; the Alipay daily policy does not apply.

1. The Platform may revise this Agreement in response to legal, regulatory, or operational needs and will notify users through announcements, pop-ups, or similar means;
2. A revised Agreement takes effect on its stated update date. Users who do not agree should stop using the Platform; continued use constitutes acceptance of the revised terms.

1. The formation, performance, interpretation, and dispute resolution of this Agreement are governed by the laws of the People's Republic of China;
2. Any dispute arising from or relating to this Agreement should first be resolved through consultation. If consultation fails, either party may submit the dispute to the People's Court of Nanshan District, Shenzhen.

For questions, suggestions, comments, or complaints about this Agreement or the Platform, contact us using the details below:

• Email: service@invix.site

© Shenzhen Invix Technology Co., Ltd.