Terms of Service

These Terms of Service (these “Terms”) govern your use of the Pointer platform, including the website located at www.joinpointer.com and all related websites, products, services, tools, mobile applications, web applications, and any other technology platforms or tools available on any Pointer websites, including any successor apps or websites thereto (the “ Services”). Throughout this document, the terms “ Pointer,” “we,” “us,” and “our” may be used interchangeably to refer to Pointer Group Inc. and its products and services. The terms “you,” “your,” or “user” refers to you, the user. If you are using the Services on behalf of a business, association, or other entity, “you,” “your,” or “user” will also refer to such business, association, or other entity, unless the context clearly dictates otherwise. You represent that you are authorized to consent to these Terms on behalf of such business, association, or other entity. Please refer to our Privacy Policy at www.joinpointer.com/privacy for information about how we collect, use, store, and disclose personal information. DISCLAIMER: THE SERVICES (INCLUDING ANY RECOMMENDATIONS, POINTER INTERACTIONS, CONVERSATIONS, OR OTHER PLATFORM CONTENT PROVIDED THROUGH THE SERVICES) ARE PROVIDED FOR PERSONAL AND INFORMATIONAL PURPOSES ONLY AND ARE NOT MEDICAL ADVICE, LEGAL ADVICE, FINANCIAL ADVICE, PSYCHOLOGICAL ADVICE, PROFESSIONAL ADVICE, OR A SUBSTITUTE FOR THE USER’S INDEPENDENT JUDGMENT OR FOR QUALIFIED PROFESSIONAL CARE. RECOMMENDATIONS PROVIDED THROUGH THE SERVICES ARE BASED ON THE PERSONAL EXPERIENCE, TASTE, AND JUDGMENT OF INDIVIDUAL POINTERS AND MAY BE INACCURATE, INCOMPLETE, OUTDATED, OR UNSUITABLE FOR YOUR PARTICULAR CIRCUMSTANCES. THE SERVICES ARE NOT A SUBSTITUTE FOR LICENSED PROFESSIONAL SERVICES AND SHOULD NOT BE USED AS SUCH. POINTER DOES NOT PROVIDE MEDICAL ADVICE, LEGAL ADVICE, DIAGNOSIS, TREATMENT, EMERGENCY GUIDANCE, OR OTHER LICENSED PROFESSIONAL SERVICES. USER ACKNOWLEDGES AND AGREES THAT USER WILL NOT RELY EXCLUSIVELY ON THE SERVICES OR ANY RECOMMENDATIONS IN MAKING ANY CRITICAL DECISION, AND THAT USER REMAINS SOLELY RESPONSIBLE FOR ALL SUCH DECISIONS AND FOR ANY ACTIONS TAKEN OR NOT TAKEN IN RELIANCE ON THE SERVICES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, POINTER DISCLAIMS ALL LIABILITY FOR, AND USER SHALL INDEMNIFY AND HOLD POINTER HARMLESS FROM, ANY CLAIMS, DAMAGES, LOSSES, LIABILITIES, COSTS, AND EXPENSES (INCLUDING REASONABLE ATTORNEYS’ FEES) ARISING OUT OF OR RELATING TO (A) USER’S USE OF OR RELIANCE ON THE SERVICES OR ANY RECOMMENDATIONS FOR ANY MEDICAL, LEGAL, FINANCIAL, OR OTHER CONSEQUENTIAL PURPOSE, OR (B) USER’S FAILURE TO COMPLY WITH APPLICABLE LAWS OR GUIDANCE REGARDING THE USE OF MARKETPLACE PLATFORMS OR RECOMMENDATION SERVICES.

Please read these Terms very carefully before accessing or using the Services. By clicking “I Agree,” checking the acceptance box, or otherwise affirmatively indicating your assent, or by using or continuing to use the Services, you acknowledge you have read and understand and agree to be bound by these Terms, including those additional terms and conditions and policies referenced herein and/or available by hyperlink. If you do not agree to all the terms and conditions of these Terms, then you may not access or use the Services.

2.1 General Eligibility To use the Services, you must meet the applicable age requirements set forth in this Section 2. You further warrant and represent that: (a) all registration information you submit will be true, accurate, current, and complete; (b) you will maintain the accuracy of such information and promptly update such registration information as necessary; (c) you have the legal capacity and you agree to comply with these Terms; (d) you will not access the Services through automated or non-human means, whether through a bot, script, or otherwise; (e) you will not use the Services for any illegal or unauthorized purpose; and (f) your use of the Services will not violate any applicable law or regulation.

2.2 Age Requirements You must be at least eighteen (18) years of age to create an account or use the Services in any capacity. Users under eighteen (18) years of age are not permitted to create an account or use the Services.

2.4 Reservation of Rights We reserve the right, but are not obligated, to limit the use of the Services to any person, geographic region, or jurisdiction. We may exercise this right on a case-by-case basis, in our sole discretion. All descriptions of the Services are subject to change at any time without notice, at our sole discretion. We reserve the right to discontinue the Services, in full or in part, at any time.

3.1 Agreement to Provide Accurate Registration Information To use the Services, you will need to register for an account on the Services (“Account”). By creating an Account, you agree to (i) provide accurate, current, and complete registration information about yourself, and (ii) maintain and promptly update as necessary your Account information. Any registration is solely for you and you may only use one single Account. You may not use the Accounts of others, or allow others to use your Account, and you are solely responsible for preventing such unauthorized use of your Account.

3.2 Account Roles The Services support two primary user roles:

(i)Pointer Account: A Pointer is an approved user who shares recommendations based on their personal knowledge, experience, and judgment. Pointer Accounts are available only to users who are at least eighteen (18) years old, have completed the applicable onboarding and approval process, and meet all eligibility requirements. Pointers may earn money by responding to recommendation requests from Pointees.

(ii)Pointee Account: A Pointee is a user seeking recommendations. Pointees use the Services to connect with approved Pointers who may have relevant, personal, or experience-based insight. Pointee Accounts are available to users who are at least eighteen (18) years old and meet all other applicable eligibility requirements. Users who meet all applicable eligibility requirements may use the Services as both a Pointer and a Pointee.

3.3 Account Security You acknowledge that you shall be held solely responsible and solely liable for anything that occurs in your Account and any activity resulting from your Account. You are responsible for maintaining the confidentiality and security of your Account credentials and for all activities that occur under your Account. You shall notify us immediately if you suspect or become aware that your Account is being used without authorization or of any other breach of security. You agree that you shall use our Services only on a device with current OS security patches and appropriate security measures enabled. You shall not enable screen recording, screenshots, or other unauthorized capture of Services content except as permitted by these Terms or applicable platform rules. We may implement additional security measures from time to time, including CAPTCHA, rate limiting, two-factor authentication, and session invalidation, to protect the Services and Accounts. If you wish to change your login credentials associated with your Account, or cancel and remove your Account, please send us an email of your request to hello@joinpointer.com or utilize the relevant functionality located on the Services.

3.4 Consent to Receive Electronic Communications By creating an Account, you consent to receive electronic communications from Pointer (e.g., via email, texts, mobile push notifications, etc.). These communications may include notices about your Account (e.g., login confirmations, security notifications, payment confirmations, and other transactional information) and are part of your relationship with us. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including, but not limited to, that such communications be in writing. We may also send you promotional communications via email, including, but not limited to, newsletters, special offers, surveys, and other news and information we think will be of interest to you. You may opt out of receiving these promotional emails at any time by following the unsubscribe instructions provided therein.

(i) Opting Out. If at any time you wish to stop receiving SMS messages from us, simply reply to the text with “STOP.” You may receive an SMS message confirming your opt out.

(ii) Message and Data Rates. Please be aware that message and data rates may apply to any SMS messages sent or received. The rates are determined by your carrier and the specifics of your mobile plan.

3.5 We May Suspend or Terminate Accounts Pointer reserves the right to terminate, suspend, or restrict your access to any Account(s) if (i) we discover you have created multiple Accounts in violation of these Terms, (ii) we suspect that the Account(s) have been or will be used for any illegal, fraudulent, or otherwise unauthorized purposes, (iii) we determine that you have violated the age eligibility requirements set forth in Section 2, (iv) we determine that you have violated the Community Standards set forth in Section 10, (v) you fail to comply with any term or provision of these Terms, or (vi) in Pointer’s reasonable judgment, your use of the Services threatens the security, stability, integrity, or availability of the Services, or otherwise harms Pointer, other users, or third parties. Under no circumstances shall Pointer be responsible or liable for any direct, indirect, consequential, or other losses (including lost revenue, lost profits, lost business opportunities, loss of goodwill, or reputational harm), damages, or costs suffered by you or any other person or entity due to any such termination, suspension, or restriction of access to any Account(s).

4.1 Restrictions on Use You agree to use the Services only for purposes that are legal, proper, and in accordance with these Terms and any applicable laws or regulations. You may not, and may not allow any third party to:

(i) undertake any unlawful activity which would violate, or assist in violation of, any law, statute, ordinance, or regulation, sanctions program administered in any relevant country, or which would otherwise be illegal or unauthorized;

(ii) impersonate another person (via the use of an email address or otherwise), misrepresent your identity, age, qualifications, experience, or affiliation with any person or entity, or create an Account under false or fraudulent pretenses;

(iii) upload, post, transmit, or otherwise make available through the Services any content that infringes the intellectual or proprietary rights of any party;

(iv) operate to defraud Pointer, other users, or any other person, or engage in any scheme to defraud or deceive;

(v) knowingly provide false, inaccurate, or misleading information, including false attestations of qualifications, experience, or expertise;

(vi) use the Services to violate the legal rights (such as rights of privacy and publicity) of others;

(vii) engage in, promote, or encourage illegal activity or unsafe behavior;

(viii) harvest or otherwise collect information from the Services about others, including email addresses, without proper consent;

(ix) exploit the Services for any unauthorized or commercial purpose not contemplated by these Terms;

(x) modify, adapt, translate, or reverse engineer any portion of the Services;

(xi) remove any copyright, trademark, or other proprietary rights notices contained in or on the Services or any part of it;

(xii)use any robot, spider, site search/retrieval application, or other device to retrieve or index any portion of the Services or the content posted on the Services, or to collect information about its users for any unauthorized purpose;

(xiii)create user accounts by automated means, or under false or fraudulent pretenses;

(xiv)access or use the Services for the purpose of creating a product or service that is competitive with any of our products or Services;

(xv)license, sublicense, transfer, sell, resell, rent, lease, distribute, time share, assign, share, or otherwise commercially exploit or make the Services available to any third party;

(xvi)use the Services to send spam or otherwise duplicative or unsolicited messages in violation of applicable laws;

(xvii)use the Services to send or store viruses, worms, time bombs, trojan horses, or other harmful or malicious code, files, scripts, agents, or programs;

(xviii)interfere with or disrupt the integrity or performance of the Services or the data contained therein;

(xix)attempt to gain unauthorized access to the Services or related systems or networks;

(xx)access the Services for purposes of monitoring their availability, performance, or functionality or for any other benchmarking or competitive purposes;

(xxi)provide recommendations that constitute medical advice, legal advice, financial advice, diagnosis, treatment, emergency guidance, or other licensed professional services;

(xxii)attempt to manipulate ratings, reviews, feedback, Pointer Status, platform visibility, or any other platform metric or feature;

(xxiii)attempt to circumvent platform rules regarding pricing, payments, fees, or payouts;

(xxiv)screenshot, record, copy, or improperly capture, distribute, or misuse conversation threads or other platform content in violation of platform rules;

(xxv)use the Services for harassment, threats, bullying, intimidation, hate speech, discrimination, sexual harassment, inappropriate sexual content, stalking, or any other abusive, harmful, or exploitative purpose.

5.1 Pointer Responsibilities If you use the Services as a Pointer, you agree to the following:

(i) You will provide recommendations based on your genuine personal knowledge, experience, taste, and judgment.

(ii) You will respond to recommendation requests within the applicable response window as shown in the product experience or platform rules.

(iii) You will keep all conversations focused on the recommendation requested and comply with all applicable platform rules.

(iv) You will not rely on AI to create recommendations you cannot personally stand behind. AI may be used as a writing or formatting aid only if the final recommendation reflects your actual knowledge, taste, and experience.

(v) You will disclose any material relationship, sponsorship, ownership, employment, commission, referral arrangement, or other conflict of interest that could affect a recommendation.

(vi) You will not provide recommendations that constitute medical advice, legal advice, financial advice, diagnosis, treatment, emergency guidance, or other licensed professional services.

(vii) You will not recommend illegal, unsafe, harmful, exploitative, or deceptive activity.

(viii) You will not use the Services to spam, mislead, or disguise advertising as a recommendation.

(ix) You will comply with all applicable tax, reporting, and legal requirements associated with earning money through the Services.

5.2 Pointee Responsibilities If you use the Services as a Pointee, you agree to the following:

(i) You will provide accurate and relevant context in your recommendation requests to help Pointers provide useful recommendations.

(ii) You understand that recommendations are based on the personal experience, taste, and judgment of individual Pointers and are not guaranteed to be accurate, complete, or suitable for your particular circumstances.

(iii) You will not use the Services for any illegal or unauthorized purpose, including to harass, threaten, or abuse Pointers.

(iv) You will not abuse the payment or refund system, including by submitting fraudulent refund requests or disputing legitimate charges without first attempting to resolve the matter with Pointer.

(v) You acknowledge that Pointer does not provide medical advice, legal advice, financial advice, diagnosis, treatment, emergency guidance, or other licensed professional services, and you will not rely on recommendations as a substitute for qualified professional care.

5.3 Relationship Between Users and Pointer Pointer is a marketplace platform that facilitates connections between Pointers and Pointees. Pointer does not employ Pointers, and no agency, partnership, joint venture, employee- employer, or franchiser-franchisee relationship is intended or created by these Terms. Pointers are independent participants on the platform and are solely responsible for the content of their recommendations. Pointer does not endorse, guarantee, or verify the accuracy, quality, safety, legality, or suitability of any recommendation provided through the Services.

6.1 Intellectual Property Ownership All content on the Services (including, for example, text, designs, graphics, logos, icons, images, audio clips, downloads, interfaces, information, code, and software, and the selection and manner of compilation and presentation) (collectively, the “Platform Content”), is owned by Pointer, our content providers, or our licensors (as applicable), and may be protected by copyright, trademark, and other applicable laws. For the avoidance of doubt, “Platform Content” does not include User Content (which is owned by you as set forth in Section 7.1). Your access to and use of the Services does not grant you any license or right to use any copyrighted Platform Content or any trademark, logo, or service mark displayed on the Services. Pointer, our content providers, or our licensors (as applicable) retain full and complete title to and reserve all rights in the Platform Content on the Services, including all associated intellectual property rights. Pointer neither warrants nor represents that your use of Platform Content on the Services will not infringe rights of third parties. You may access the Services only for your permitted use under these Terms, and you may not modify or delete any copyright, trademark, or other proprietary notice relating to any Platform Content you access. You agree not to display or use in any manner the Pointer marks without Pointer’s advance written permission. All software used on the Services is the property of Pointer or our licensors and protected by United States and international copyright laws, and subject to separate license terms, in which case those license terms will govern such software. You agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of the Services, use of the Services, or access to the Services or any contact on the website through which the Services are provided, without express written permission by us. All rights not expressly granted herein are reserved by Pointer, our affiliates, and licensors.

6.2 Feedback By sending us any feedback, comments, questions, ideas, proposals, or suggestions concerning Pointer or any of our Services whether online, by email, by postal mail, or otherwise (collectively, “Feedback”), you represent and warrant (i) that you have the right to disclose the Feedback, (ii) that the Feedback does not violate the rights of any other person or entity, including, but not limited to, intellectual property rights, and (iii) that your Feedback does not contain the confidential or proprietary information of any third party. By sending us any Feedback, you further (a) agree that we are under no obligation of confidentiality, express or implied, with respect to the Feedback, (b) acknowledge that we may have something similar to the Feedback already under consideration or in development, and (c) grant us an irrevocable, non-exclusive, royalty-free, perpetual, worldwide license, under all intellectual property rights, to use, make, have made, incorporate into our Services, modify, copy, display, perform, distribute, prepare derivative works, publish, distribute, and sublicense the Feedback, without any credit or compensation to you. This Feedback section shall survive any termination of your Account or any aspect of the Services.

6.3 Third-Party Websites and Services Certain content, products, and services available via the Services may include materials from third parties or provide you with access to third-party tools, products, and resources, including without limitation, payment processors and other service providers. Further, third-party links on our Services may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy of any third-party materials or websites, or for any other materials, products, or services of third parties. You acknowledge and agree that we provide access to such materials, products, websites, tools, and resources “AS IS” and “AS AVAILABLE” without any warranties, representations, or conditions of any kind and without any endorsement. We do not warrant and will not have any liability or responsibility arising from or relating to third-party materials, websites, tools, products, and resources. Any use by you of third-party materials, tools, products, services, and resources offered through the Services is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which such items are provided by the relevant third-party provider(s).

6.4 Statistical Information We may derive and compile, either manually or automatically, anonymized and aggregated data related to the performance, operation, and use of the Services (“ Statistical Information”), including by you, and use such Statistical Information for our business purposes, including for operations management, research and development, and sharing with relevant parties. We own the rights in and to such Statistical Information.

7.1 Ownership of User Content You retain all rights and ownership in any content you submit, post, or transmit through the Services, including recommendation requests, recommendations, profile information, feedback, messages, and other materials (collectively, “User Content”). Except for the license granted to us below, nothing in these Terms transfers ownership of your User Content to Pointer.

7.2 License to Use User Content By submitting User Content to the Services, you grant Pointer and its affiliates a non-exclusive, worldwide, sublicensable, transferable, fully paid up, royalty-free license to host, store, process, transmit, display, reproduce, and use your User Content to provide, maintain, and improve the Services and to fulfill your instructions or requests. This license enables us to, for example, back up your information, display it to you and those you authorize, facilitate recommendation interactions, and modify its format as needed for performance. We will not access or use your User Content for any other purposes except as permitted by these Terms, our Privacy Policy, or as required by law. You represent and warrant that you have all necessary rights and permissions to provide the User Content to Pointer and to grant the above license.

7.3 User Content Standards You are solely responsible for all User Content you submit through the Services. You represent and warrant that your User Content does not: (a) infringe, misappropriate, or violate the intellectual property rights or other rights of any third party; (b) contain any material that is defamatory, obscene, threatening, harassing, or otherwise unlawful; (c) contain any false, misleading, or deceptive statements or claims; (d) violate any applicable law or regulation; or (e) violate these Terms or the Community Standards set forth in Section 10.

8.1 Fees and Pricing Pointees pay for recommendation requests from Pointers. Pricing may vary by Pointer, as Pointers may set their own prices for recommendation requests, subject to platform rules and applicable terms. Pointer does not require every Pointer in the same category to charge the same amount. Pointer may charge platform fees, processing fees, commissions, or other applicable fees (collectively, “Fees”) from completed transactions. Any applicable Fees will be disclosed in the product experience, payment flow, or applicable terms. All Fees and applicable taxes, if any, are payable in United States dollars unless otherwise specified.

8.2 Payment Processors Pointer uses third-party providers (such as Stripe) to securely process payments, manage payouts, store payment information, handle identity verification, and process related financial services (“Payment Processors”). When you make a payment through the Services (a “Transaction”), our Payment Processors may ask you to supply additional information relevant to your Transaction, including your credit card number, the expiration date of your credit card, and your email and postal addresses for billing and notification (such information, “Payment Information”). You will provide all Payment Information directly to our Payment Processors. You represent and warrant that you have the legal right to use all payment method(s) represented by any such Payment Information. The amounts due and payable by you for a Transaction will be presented to you before you place your order. When you initiate a Transaction through the Services, you authorize our Payment Processors to complete your Transaction and to charge your payment method for the Transaction (plus any applicable taxes and other charges). By initiating a Transaction, you agree to the pricing, payment, and billing policies applicable to such fees and charges, as posted or otherwise communicated to you.

8.3 Pointer Earnings and Payouts Pointers may earn money by completing paid recommendation requests. Earnings may vary based on price, demand, activity, completion rate, quality, category, repeat trust, and tips. Pointer does NOT guarantee any specific earnings, income, demand, request volume, or payout amount. Payout timing may depend on the payment processor, transaction status, refund window, account verification, tax requirements, and Pointer payout schedule. Pointer may deduct platform fees, commissions, processing fees, or other applicable fees from Pointer earnings before payout.

8.4 Tips Tips are optional. Pointees may choose to tip a Pointer when the Pointer provides a thoughtful, detailed, or especially helpful recommendation. Tips are non-refundable once processed.

8.5 Non-Response If a Pointer does not respond within the applicable response window, the Pointee generally will not be charged for a completed recommendation request, subject to payment processing timelines, authorization holds, platform rules, and the terms that apply to the transaction.

8.6 Refunds A Pointee may request a refund if there is an issue with a recommendation request. Refund requests will be reviewed by Pointer based on the details of the interaction, applicable platform rules, payment status, and the terms that apply to the transaction. A refund may be considered if:

(i) The Pointer responded but did not actually provide a recommendation;

(ii) The response was incomplete or clearly unrelated to the request;

(iii) The interaction violated Pointer platform rules;

(iv) There was a payment or technical issue; or

(v) Pointer determines a refund is appropriate after review. Refunds are not automatic. Refunds may be reviewed according to Pointer’s refund practices, payment processor rules, applicable platform policies, and the details of each situation. Refunded requests may not count toward Pointer Status or completed recommendation totals.

8.7 Identity Verification Pointer reserves the right, in its sole discretion, to take steps to verify your identity in connection with your Transaction or other use of the Services. You may need to provide additional information to verify your identity before completing your Transaction or receiving payouts (such information is included within the definition of Payment Information).

8.8 Transaction Cancellation Pointer reserves the right to not process or to cancel your Transaction in certain circumstances; for example, if your credit card is declined, if we suspect the request or Transaction is fraudulent, if we determine that you have provided false or misleading information in connection with your Transaction or your use of the Services, or in other circumstances Pointer deems appropriate in its sole discretion. Pointer will either not charge you or refund the charges for Transactions that we do not process or cancel.

8.9 Fee Disputes If you have any concerns or objections regarding charges, you agree to raise them with us first and you agree not to cancel or reject any credit card or third-party payment processing charges unless you have made a reasonable attempt at resolving the matter directly with Pointer.

8.10 Chargebacks Between you and us, you are solely responsible for any chargebacks, disputes, reversals, returns, or similar payment claims relating to your transactions, and any associated fees, fines, penalties, assessments, retrieval fees, or other amounts imposed by card networks, ACH operators, banks, or our Payment Processors (“Chargeback Liabilities”). To cover or mitigate any actual or anticipated Chargeback Liabilities, we may, in our sole discretion, (a) net, set off, withhold, delay, reverse, or adjust any current or future payouts to you; (b) debit any payment method or bank account on file; (c) require, fund, and maintain a reserve in an amount we determine necessary; and/or (d) suspend, limit, or terminate your access to the Services.

8.11 Future Functionality You agree that your purchases are not contingent on the delivery of any future functionality or features, or dependent on any oral or written public comments made by Pointer regarding future functionality or features unless specifically agreed upon in writing by Pointer.

8.12 Account Status Following Cancellation If you choose to deactivate your Account, deactivation will immediately remove your access to the Services. Following deactivation, we will retain your Account data for ninety (90) days, during which you may reactivate your Account through the Services; if you do not reactivate within that 90-day period, we will permanently delete your Account data. If you request permanent deletion of your Account, you will be asked to confirm your request, and upon confirmation we will immediately terminate your access and permanently delete your Account data, subject to any legal, financial, fraud-prevention, dispute-resolution, safety, or recordkeeping requirements.

8.13 Pricing Upon Reactivation If your Account is deactivated and later reactivated, any reactivation will be subject to the then- current pricing and terms in effect at the time of reactivation.

9.1 Overview Pointer Status levels recognize Pointers who consistently provide helpful recommendations, respond reliably, maintain strong feedback, and build trust with Pointees over time. Every approved Pointer starts as a Standard Pointer. As Pointers complete more recommendation requests and maintain strong performance, they may become eligible for higher status levels.

9.2 Status Levels Current Pointer Status levels are, in ascending order:

(i) Standard: The starting level for all approved Pointers who have completed onboarding and are eligible to receive recommendation requests.

(ii) Pro: An earned status level for Pointers who have shown consistent responsiveness and quality.

(iii) Legend: An earned status level for highly trusted Pointers who have shown strong consistency, quality, and demand over time.

(iv) Icon: An earned status level for standout Pointers who consistently deliver exceptional recommendations and build meaningful trust on the platform.

(v) Platinum: The highest and most selective Pointer Status level, reserved for Pointers who demonstrate rare consistency, exceptional quality, strong repeat demand, and long-term trust on the platform. Platinum is not awarded automatically based on numbers alone and may be subject to internal review by the Pointer team.

9.3 Eligibility Criteria Eligibility for higher Pointer Status levels may depend on completed recommendation requests, response rate, internal quality ratings, user feedback, repeat interactions, account activity, and trust and safety review. The specific criteria for each level may be updated by Pointer from time to time.

9.4 Loss of Status Pointer Status is based on ongoing performance. A Pointer may lose or be moved down from a status level if they no longer meet the applicable requirements, stop being active, receive repeated complaints, miss too many responses, or violate Pointer community standards, quality expectations, or trust and safety standards.

9.5 Modification of Status Levels Pointer may update, rename, add, remove, or modify status levels, eligibility criteria, and associated benefits at any time in its sole discretion. Pointer may also selectively grant special ambassador status, badges, or designations as part of approved partnerships, campaigns, or growth programs, which may be reviewed separately from standard earned Pointer Status.

10.1 Platform Culture Pointer is built to support a kind, respectful, and trustworthy culture. Users are expected to communicate respectfully, act in good faith, and help create a platform where people can exchange recommendations without harassment, intimidation, discrimination, threats, exploitation, or abuse. Pointer is designed around trust. Users who undermine that trust may lose access to the platform.

10.2 Prohibited Conduct The following conduct is prohibited on the Services and may result in immediate suspension or termination of your Account:

(i) Harassment, including unwanted sexual comments, repeated unwanted contact, or abusive language;

(ii) Sexual harassment or inappropriate sexual content;

(iii) Hate speech, discriminatory remarks, or content that promotes hatred based on race, ethnicity, national origin, religion, gender, gender identity, sexual orientation, disability, or any other protected characteristic;

(iv) Threats, bullying, intimidation, or coercion;

(v) Fraud, deception, or impersonation;

(vi) Spam, including sending duplicative, unsolicited, or irrelevant messages;

(vii) Misleading recommendations, including undisclosed paid promotions or disguising advertising as genuine recommendations;

(viii) Illegal activity, including recommending illegal, unsafe, or harmful activity;

(ix) Unsafe recommendations that could result in physical harm, injury, or danger;

(x) Abuse of the payment or refund system, including submitting fraudulent refund requests or manipulating transactions;

(xi) Attempts to manipulate ratings, reviews, feedback, Pointer Status, or platform visibility;

(xii)Attempts to improperly capture, copy, screenshot, record, distribute, or misuse conversation threads or other platform content;

(xiii)Off-platform communication that creates safety, payment, fraud, or trust issues in violation of platform rules; and

(xiv)Any behavior that creates an unsafe, hostile, deceptive, or exploitative experience for other users.

10.3 Reporting and Enforcement Users may submit reports through the platform or contact Pointer support regarding missed responses, inappropriate behavior, low-quality recommendations, misleading information, safety concerns, payment issues, or other violations of platform rules. Pointer may review reports and take action where appropriate, including but not limited to issuing warnings, limiting account features, suspending accounts, removing Pointer Status, or permanently terminating access to the Services.

10.4 Ratings and Feedback To help protect user reputations and encourage honest feedback, star ratings are NOT publicly displayed. Pointer may use ratings and feedback internally to evaluate quality, trust, safety, and Pointer Status eligibility. Pointee feedback helps Pointer maintain quality, identify issues, improve the platform, and support a better experience for both Pointees and Pointers.

Your privacy is important to us. Please refer to our Privacy Policy at www.joinpointer.com/ privacy for detailed information about how we collect, use, store, and disclose personal information. By using the Services, you consent to the collection, use, and disclosure of your personal information in accordance with the Privacy Policy. Conversation threads between Pointees and Pointers are not public by default. However, Pointer may review platform activity, including messages and interactions, when necessary to operate the service, enforce policies, resolve disputes, investigate safety concerns, maintain platform quality, or comply with legal obligations, subject to the Pointer Privacy Policy and these Terms. Screenshotting, recording, copying, or improperly capturing Pointer conversations may be restricted or prohibited under Pointer platform rules. Pointer may use technical, policy, or enforcement measures designed to protect privacy and platform trust; however, users should not treat any platform communication as impossible to capture by other parties.

POINTER DOES NOT PROVIDE MEDICAL ADVICE, LEGAL ADVICE, FINANCIAL ADVICE, DIAGNOSIS, TREATMENT, EMERGENCY GUIDANCE, OR OTHER LICENSED PROFESSIONAL SERVICES. Recommendations provided through the Services are based on the personal experience, taste, and judgment of individual Pointers. No recommendation provided through the Services should be construed as professional advice, and users should consult an appropriately licensed professional for legal, medical, financial, or other regulated advice. Pointer makes no representations or warranties regarding the qualifications, credentials, licensing, or professional standing of any Pointer. If Pointer adds legal, medical, or other professional-adjacent categories in the future, those categories may be limited to general information, experience-based recommendations, or referrals to appropriately licensed professionals, subject to applicable law and Pointer platform rules.

13.1 Indemnification by User You agree to indemnify, defend, and hold harmless Pointer and its subsidiaries, af filiates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees, harmless from and against any and all losses, claims, damages, judgments, demands, actions, proceedings, investigations (whether formal or informal), or expenses (including reasonable attorneys’ fees), or threats thereof, due to, arising out of, or relating to (a) your breach of these Terms or the documents they incorporate by reference; (b) your violation of (i) any law or (ii) the rights of a third party; (c) your use of the Services (including any personal injury, death, or damage to real or tangible personal property arising from or connected with your use of the Services); (d) your violation of the rights of a third party, including but not limited to intellectual property rights, right to privacy, or right of publicity; (e) any overt harmful act toward any other user of the Services with whom you connected via the Services; (f) any recommendation you provide through the Services that causes harm, loss, or damage to any third party; or (g) your failure to comply with applicable tax, reporting, or legal requirements associated with your use of the Services.

13.2 Indemnification Procedure In the event of such a claim, suit, or action, we will attempt to provide you notice of the claim, suit, or action at the contact information we have for your Account (provided that failure to deliver such notice shall not eliminate or reduce your indemnification obligations hereunder). Pointer reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Pointer in asserting any available defenses. You agree that the provisions in this section will survive any termination of your Account, these Terms, or your access to the Services.

14.1 Pointer Makes No Representations or Warranties; Disclaimer YOU EXPRESSLY AGREE THAT THE USE OF, OR INABILITY TO USE, THE SERVICES IS AT YOUR SOLE RISK. TO THE EXTENT PERMITTED BY APPLICABLE LAW, POINTER AND ITS OFFICERS, EMPLOYEES, DIRECTORS, SHAREHOLDERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, AND LICENSORS DISCLAIM ALL WARRANTIES, CONDITIONS, AND REPRESENTATIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, THOSE RELATED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND THOSE ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” POINTER PROVIDES THE SERVICES AND ANY RECOMMENDATIONS OR DATA CONTAINED THEREIN FOR PERSONAL AND INFORMATIONAL PURPOSES ONLY. TO THE EXTENT PERMITTED BY APPLICABLE LAW, POINTER AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, CURRENCY, OR SUITABILITY OF CONTENT AVAILABLE ON OR THROUGH THE SERVICES, OR THE CONTENT OF ANY THIRD-PARTY WEBSITES OR SERVICES LINKED TO OR INTEGRATED WITH OUR SERVICES. WE DO NOT REPRESENT OR WARRANT THAT (I) YOUR USE OF OUR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (II) ANY ERRORS IN THE SERVICE WILL BE CORRECTED, (III) THE QUALITY OF THE SERVICES, RECOMMENDATIONS, OR OTHER MATERIAL OBTAINED BY YOU WILL MEET YOUR EXPECTATIONS, (IV) THE SERVICES WILL BE FREE OF ANY WORMS OR VIRUSES OR ANY CODE OF A MALICIOUS OR DESTRUCTIVE NATURE, (V) THE RESULTS THAT MAY B E O B TA I N E D F R O M T H E U S E O F T H E S E RV I C E S , I N C L U D I N G A N Y RECOMMENDATIONS, WILL BE ACCURATE, RELIABLE, COMPLETE, OR SUITABLE FOR YOUR PARTICULAR CIRCUMSTANCES, OR (VI) ANY RECOMMENDATION PROVIDED THROUGH THE SERVICES CONSTITUTES PROFESSIONAL ADVICE OF ANY KIND. POINTER AND ITS AFFILIATES WILL HAVE NO LIABILITY FOR ANY: (i) ERRORS, MISTAKES, OR INACCURACIES IN ANY RECOMMENDATION OR OTHER CONTENT; (ii) PERSONAL INJURY, EMOTIONAL DISTRESS, OR PROPERTY DAMAGE RESULTING FROM YOUR ACCESS TO OR USE OF THE SERVICES OR RELIANCE ON ANY RECOMMENDATION PROVIDED THROUGH THE SERVICES; (iii) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS OR OF ANY PERSONAL INFORMATION OR USER CONTENT; (iv) ANY INTERRUPTION OF TRANSMISSION TO OR FROM THE SERVICES; (v) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED ON OR THROUGH THE SERVICES; (vi) ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF, RELIANCE UPON, OR MISUSE OF ANY RECOMMENDATION OR CONTENT POSTED OR SHARED THROUGH THE SERVICES; (vii) LOSS OR DAMAGE CAUSED BY ANOTHER USER’S VIOLATION OF THESE TERMS; OR

(viii) ANY CLAIM ARISING FROM THE ACTIONS, OMISSIONS, RECOMMENDATIONS, OR CONDUCT OF ANY POINTER OR POINTEE ON THE PLATFORM.

14.2 Limitation of Liability TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL POINTER AND ITS AFFILIATES, OFFICERS, DIRECTORS, AGENTS, CONTRACTORS, REPRESENTATIVES, INTERNS, SUPPLIERS, SERVICE PROVIDERS, OR LICENSORS BE RESPONSIBLE FOR ANY LOSS INCLUDING, WITHOUT LIMITATION, LOST PROFITS, REVENUES, OR FINANCIAL LOSSES, OR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM THESE TERMS OR THE SERVICES, OR FOR ANY DAMAGES RELATED TO THE LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, LOSS OF USER CONTENT, OR EMOTIONAL DISTRESS, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE AND EVEN IF POINTER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WITHOUT LIMITING THE FOREGOING, POINTER SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM: (A) YOUR RELIANCE ON ANY RECOMMENDATION PROVIDED THROUGH THE SERVICES; (B) ANY INTERRUPTION, SUSPENSION, OR TERMINATION OF THE SERVICES OR ACCESS TO YOUR ACCOUNT OR USER CONTENT; (C) ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR USER CONTENT; OR (D) THE CONDUCT, RECOMMENDATIONS, OR CONTENT OF ANY OTHER USER OR THIRD PARTY IN CONNECTION WITH THE SERVICES. NOTWITHSTANDING ANYTHING TO THE CONTRARY HEREIN, IN NO EVENT SHALL THE MAXIMUM TOTAL LIABILITY OF POINTER AND ITS AFFILIATES, FOR ANY CLAIMS ARISING OUT OF OR IN ANY WAY RELATED TO THESE TERMS OF SERVICE OR THE ACCESS TO AND USE OF THE SERVICES, EXCEED THE GREATER OF (i) ONE HUNDRED DOLLARS ($100) OR (ii) THE TOTAL AMOUNT YOU PAID TO POINTER IN FEES OVER THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE CLAIM. Some jurisdictions do not allow the exclusion of certain warranties and limitations of liability provided in this section. If you are in such a jurisdiction, some of the above limitations and disclaimers may not apply to you. To the extent we may not, as a matter of applicable law, disclaim any implied warranty or limit our liabilities, the scope and duration of such warranty and the extent of our liability will be the minimum permitted by applicable law.

15.1 Mandatory Arbitration of Disputes We each agree that any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or the use of the Services (collectively, “Disputes”) will be resolved solely by binding, individual arbitration and not in a class, representative, or consolidated action or proceeding. You and Pointer agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of these Terms, and that you and Pointer are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of these Terms. Any Disputes arising out of or relating to these Terms or the Services will be governed by the laws of the State of California, and shall be resolved in Los Angeles County, California.

15.2 Exceptions As limited exceptions to Section 15.1 above: (i) we both may seek to resolve a Dispute in small claims court if it qualifies; and (ii) we each retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our respective intellectual property rights.

15.3 Conducting Arbitration and Arbitration Rules The arbitration will be conducted by the American Arbitration Association (“ AAA”) under its Consumer Arbitration Rules (the “AAA Rules”) then in effect, except as modified by these Terms. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules. The AAA provides a form Demand for Arbitration at www.adr.org. The arbitration will be conducted in English, and the arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction.

15.4 Arbitration Costs Payment of all filing, administration, and arbitrator fees will be governed by the AAA Rules, and each party shall bear its own costs and expenses of arbitration, including legal fees.

15.5 Injunctive and Declaratory Relief Except as provided in Section 15.2 above, the arbitrator shall determine all issues of liability on the merits of any claim asserted by either party and may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. To the extent that you or we prevail on a claim and seek public injunctive relief (that is, injunctive relief that has the primary purpose and effect of prohibiting unlawful acts that threaten future injury to the public), the entitlement to and extent of such relief must be litigated in a civil court of competent jurisdiction and not in arbitration. The parties agree that litigation of any issues of public injunctive relief shall be stayed pending the outcome of the merits of any individual claims in arbitration.

15.6 Class Action Waiver YOU AND POINTER AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if the parties’ Dispute is resolved through arbitration, the arbitrator may not consolidate another person’s claims with your claims and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this Dispute Resolution section shall be null and void.

15.7 Opt-Out You may opt out of this arbitration agreement within thirty (30) days of first accepting these Terms by emailing hello@joinpointer.com with your name and a statement that you wish to decline this arbitration agreement.

16.1 These Terms May Change We reserve the right, at our sole discretion, to update, change, modify, or replace any part of these Terms by posting updates and changes to the Services. We may elect to notify you of such changes by mail, email, posting of modi fied Terms, or some other similar manner. However, it is your responsibility to check the Services regularly for changes to these Terms. Your continued use of or access to the Services following the posting of any changes to these Terms constitutes acceptance of those changes.

16.2 Severability In the event that any provision of these Terms is determined to be unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms. Such determination shall not affect the validity and enforceability of any other remaining provisions.

16.3 Termination These Terms are effective unless and until terminated by either you or us. You may terminate these Terms at any time by notifying us that you no longer wish to use the Services, or when you cease using our Services. We are free to terminate (or suspend access to) your use of the Services (or any part thereof) or your Account, if (i) you fail, or we suspect that you have failed, to comply with any term or provision of these Terms, or (ii) for any other reason in our sole discretion. We also may terminate these Terms at any time without notice. Even after your right to use the Services is terminated, the obligations and liabilities of the parties incurred prior to the termination date shall survive the termination and the Terms will remain enforceable against you. Provisions that, by their nature, should survive termination of these Terms shall survive termination.

16.4 No Assignment of the Terms You may not assign these Terms to any other party. We may assign these Terms or delegate any or all of our rights and responsibilities under these Terms to any third parties, without notice to you.

16.5 Governing Law These Terms and all Disputes arising out of or relating to the Terms shall be governed by, construed, and enforced in accordance with the laws of the State of California in the United States, without regard to its conflict of laws principles.

16.6 Waiver No delay or omission by us in exercising any rights or remedies thereunder shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise of a right or remedy by us shall not preclude further exercise of any right or remedy by us. No waiver by us shall be valid unless in writing signed by us.

16.7 Headings The headings used in these Terms are included for convenience only and will not limit or otherwise affect these Terms.

16.8 California Users and Residents If any complaint with us is not satisfactorily resolved, you can contact the California Department of Consumer Affairs, Consumer Information Center in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210.

16.9 Entire Agreement These Terms, our Privacy Policy, and any other policies or operating rules posted by us on the Services or in respect to the Services constitute the complete and exclusive agreement and understanding between you and us related to the Services, and supersede any prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of these Terms). Any ambiguities in the interpretation of these Terms shall not be construed against the drafting party.

16.10 Contact Information Questions about these Terms and legal inquiries should be sent to us at hello@joinpointer.com.