Version: v1.2

END USER LICENSE AGREEMENT

Decision Governance™

Effective Date: July 22, 2026 — Version 1.2

This End User License Agreement (“Agreement”) is a binding legal contract between you, either an individual or the entity you represent (“You” or “Customer”), and Data Visuals LLC, a Wisconsin limited liability company (“DataVisuals,” “we,” “us,” or “our”), governing Your access to and use of the Decision Governance™ software-as-a-service platform and any related services, documentation, APIs, and updates (collectively, the “Service”).

BY CLICKING “I ACCEPT,” CREATING AN ACCOUNT, OR ACCESSING OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THIS AGREEMENT. IF YOU DO NOT AGREE, DO NOT ACCESS OR USE THE SERVICE.

If You are accepting this Agreement on behalf of an entity, You represent that You have the authority to bind that entity, and “You” refers to that entity.

1. License Grant

1.1 Grant. Subject to Your compliance with this Agreement and timely payment of all applicable fees, DataVisuals grants You a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service during the Subscription Term solely for Your internal business or personal purposes.

1.2 Users. You may permit authorized employees, contractors, or individuals (“Users”) to access the Service under Your account, provided each User complies with this Agreement. You are responsible for all activity under Your account.

1.3 Reservation of Rights. All rights not expressly granted are reserved by DataVisuals. No ownership rights are transferred under this Agreement.

2. Restrictions

You shall not, and shall not permit any third party to:

• reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service;

• copy, modify, translate, or create derivative works of the Service;

• rent, lease, lend, sell, sublicense, distribute, or otherwise transfer the Service to any third party;

• use the Service to build a competing product or service, or to benchmark without prior written consent;

• circumvent or disable security, authentication, rate-limiting, or usage-tracking features;

• upload or transmit malware, harmful code, or content that is unlawful, infringing, defamatory, or violates third-party rights;

• use the Service in violation of any applicable law, regulation, or third-party right; or

• remove or obscure any proprietary notices on the Service.

3. Accounts and Security

3.1 Registration. You must provide accurate, current, and complete information when creating Your account and keep it updated.

3.2 Credentials. You are responsible for safeguarding account credentials and for all activity occurring under Your account. Notify DataVisuals promptly of any unauthorized access or security breach.

4. Fees and Payment

4.1 Fees. You agree to pay all fees associated with Your subscription as set forth in the applicable order, sign-up page, or quote. All fees are non-refundable except as expressly stated.

4.2 Taxes. Fees are exclusive of taxes. You are responsible for all sales, use, VAT, GST, and similar taxes, excluding taxes on DataVisuals’ net income.

4.3 Late Payment. Overdue amounts accrue interest at 1.5% per month or the maximum rate permitted by law, whichever is lower. DataVisuals may suspend the Service for non-payment after written notice.

5. Customer Data and Privacy

5.1 Ownership. As between the parties, You retain all rights, title, and interest in data, content, or information You or Your Users submit to the Service (“Customer Data”).

5.2 License to DataVisuals. You grant DataVisuals a worldwide, non-exclusive license to host, copy, process, transmit, and display Customer Data solely as necessary to provide and improve the Service and to comply with law.

5.3 Aggregated Data. DataVisuals may collect and use de-identified, aggregated data derived from use of the Service for analytics, product improvement, and benchmarking, provided such data does not identify You or any individual.

5.4 Privacy. DataVisuals’ processing of personal data is governed by its Privacy Policy, incorporated by reference.

5.5 Backup. You are responsible for maintaining Your own backups of Customer Data. DataVisuals is not liable for loss or corruption of data.

5.6 DGMM Self-Assessment and Decision Governance Index Participation.

1. The DGMM and the Decision Governance Index. DataVisuals maintains the Decision Governance Maturity Model (the “DGMM”), a methodology for assessing the maturity of decision-governance practices in financial institutions, and publishes the Decision Governance Index (the “Index”), a periodic public benchmark that reports aggregated DGMM maturity distributions across a cohort of participating institutions. The DGMM methodology paper and the Index are published openly at datavisuals.com and are versioned for citation.

2. Platform telemetry. Your access to and use of the Service generates structured records of decision-governance activity. DataVisuals may derive from those records, and from the in-Service DGMM Self-Assessment instrument made available to Your designated respondent, de-identified observational measurements of DGMM facet maturity (“Telemetry”). Telemetry is aggregated into cohort cells (defined by attributes such as charter type and asset-size band) and the resulting aggregate distributions are included in the Index.

3. What Telemetry includes and excludes. Telemetry consists solely of per-facet maturity placements, cohort segmentation attributes, methodology version stamps, and measurement timestamps. Telemetry does not include the identity of Your designated respondent, Your tenant identifier, free-text rationale or comment fields, calibration responses to the DGMM Self-Assessment, or forward-looking responses to the DGMM Self-Assessment, and Telemetry is not used to identify You or any individual.

4. Anonymization and cohort-cell suppression. No individual institution is identified in the Index. Cohort cells containing fewer than fifteen (15) contributing institutions are suppressed from publication. Individual institutional content is not quoted in the Index; aggregate findings only.

5. Opt-out. You may withdraw Your institution from publication aggregate at any time by toggling the publication opt-out setting in the in-Service tenant settings. The opt-out applies prospectively from the time it is set and is honored at the point Telemetry is aggregated; it does not retroactively redact aggregates already published. Your withdrawal under this Section 5.6(e) does not affect Your continued access to and use of the Service or Your access to Your own institutional report under Section 5.6(f).

6. Institutional report. Your designated respondent receives a private institutional report containing Your own DGMM placement, peer cohort distribution context where cells meet the publication threshold, and gap analysis. The institutional report is not published and is visible only to users within Your tenancy with appropriate authority.

7. Methodology updates. DataVisuals may revise the DGMM methodology from time to time. Methodology revisions are versioned and disclosed in the published methodology paper. Telemetry is computed and aggregated under the methodology version in effect at the time of measurement; methodology revisions do not retroactively recompute prior published aggregates.

8. Relationship to Section 5.3. This Section 5.6 is the specific application of Section 5.3 (Aggregated Data) to the DGMM and the Index. In the event of conflict between Section 5.3 and this Section 5.6 with respect to DGMM-derived Telemetry, this Section 5.6 controls.

6. Intellectual Property

The Service, including all software, designs, trademarks (including “DataVisuals™” and “Decision Governance™”), documentation, and related materials, is the exclusive property of DataVisuals and its licensors and is protected by U.S. and international intellectual property laws. Any feedback or suggestions You provide may be used by DataVisuals without restriction or compensation.

7. Third-Party Services

The Service may interoperate with or be hosted on third-party platforms (e.g., cloud infrastructure providers). DataVisuals is not responsible for third-party services, and Your use of them is subject to their terms.

8. Term and Termination

8.1 Term. This Agreement begins when You accept it and continues for the Subscription Term, renewing automatically unless either party gives notice of non-renewal in accordance with the order.

8.2 Termination for Cause. Either party may terminate for material breach not cured within thirty (30) days of written notice. DataVisuals may suspend or terminate immediately for breach of Section 2 (Restrictions) or non-payment.

8.3 Effect of Termination. Upon termination, Your right to access the Service ceases. Customer Data may be deleted thirty (30) days after termination unless retention is required by law. Sections that by their nature should survive (including Sections 2, 5, 6, 9, 10, 11, and 12) shall survive.

8.4 Free Tier Accounts. Accounts on the Free tier of the Service (collectively, “Free Accounts”) are subject to the following in addition to the other provisions of this Agreement:

1. No fixed term. Free Accounts have no fixed term and do not expire based on the passage of time. Free Accounts include full functionality to create, modify, and finalize decisions, subject to any usage limits stated on the applicable sign-up or pricing page, together with access to a sandbox environment seeded with synthetic demonstration data. The sandbox is provided solely for evaluation; it does not constitute Customer Data.

2. Inactivity measured from last sign-in. The account lifecycle described in subsections (c) and (d) is triggered solely by inactivity, measured as the number of consecutive days since Your most recent successful sign-in to Your Free Account. The passage of calendar time alone does not trigger it.

3. Archival and notice. After ninety (90) consecutive days without a successful sign-in to Your Free Account, the Free Account is placed in an archived state and DataVisuals will send You an email notification informing You that Your Free Account is scheduled for deletion in thirty (30) days. While archived, Your account and its data are retained and can be restored by signing in. This notice is the sole notice DataVisuals is required to provide before deletion.

4. Deletion. After one hundred twenty (120) consecutive days without a successful sign-in to Your Free Account (that is, thirty (30) days after archival), DataVisuals will permanently delete Your Free Account and all data associated with it, including the sandbox environment and any decision records, attachments, comments, and audit history You have generated. Deletion is irreversible at the application layer.

5. Reactivation. Each successful sign-in to Your Free Account, including while archived, restores the account and resets the inactivity period to zero as of the date of that sign-in. A Free Account that is signed in to at least once every ninety (90) days will not be archived or deleted under this Section 8.4.

6. Upgrade exit. If You upgrade Your Free Account to a paid subscription tier at any time, the lifecycle described in this Section 8.4 ceases to apply to Your account. From that point forward, Sections 8.1 through 8.3 govern Your account’s term and termination.

7. Recovery. DataVisuals does not retain backup copies of Free Account data beyond standard infrastructure backup windows (typically seven (7) days following deletion). After that window, deleted Free Account data is not recoverable.

8. Audit record. DataVisuals retains a non-personal audit record of each deletion under this Section 8.4 (including the deleted account identifier, the date of deletion, and the categories of data removed) for compliance and operational reasons. This audit record contains no Customer Data and does not enable reconstruction of the deleted account.

9. Application. This Section 8.4 applies solely to Free Accounts. Paid subscription accounts are governed by Sections 8.1 through 8.3 and are not subject to the cleanup lifecycle described above.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. DATAVISUALS DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

10. Limitation of Liability

10.1 Exclusion of Damages. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUES, DATA, OR GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY.

10.2 Cap. DATAVISUALS’ TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT SHALL NOT EXCEED THE FEES PAID BY YOU TO DATAVISUALS FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED U.S. DOLLARS ($100), WHICHEVER IS GREATER.

10.3 Basis of the Bargain. The parties agree that these limitations are an essential basis of the bargain.

11. Indemnification

You agree to defend, indemnify, and hold harmless DataVisuals and its officers, directors, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising from (a) Your Customer Data; (b) Your use of the Service in violation of this Agreement or applicable law; or (c) Your infringement of any third-party right.

12. Governing Law and Dispute Resolution

12.1 Governing Law. This Agreement is governed by the laws of the State of Wisconsin, without regard to conflict-of-law principles. The U.N. Convention on Contracts for the International Sale of Goods does not apply.

12.2 Venue. The state and federal courts located in Milwaukee County, Wisconsin shall have exclusive jurisdiction, and the parties consent to personal jurisdiction and venue therein.

12.3 Equitable Relief. Either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

13. General Provisions

13.1 Modifications. DataVisuals may update this Agreement from time to time. Material changes will be communicated by email or in-Service notice. Continued use after the effective date constitutes acceptance.

13.2 Assignment. You may not assign this Agreement without DataVisuals’ prior written consent. DataVisuals may assign this Agreement in connection with a merger, acquisition, or sale of assets.

13.3 Force Majeure. Neither party is liable for delays or failures due to causes beyond its reasonable control.

13.4 Notices. Notices to DataVisuals must be sent to the address listed at datavisuals.com (or successor URL). Notices to You may be delivered via email or in-Service notification.

13.5 Severability; Waiver. If any provision is held unenforceable, the remainder shall remain in effect. Failure to enforce any right is not a waiver.

13.6 Entire Agreement. This Agreement, together with any order form or supplemental terms, constitutes the entire agreement between the parties regarding the Service and supersedes all prior agreements on the subject.

13.7 Export Compliance. You agree to comply with all applicable export laws and not to use the Service in any prohibited jurisdiction or by any prohibited person.

13.8 U.S. Government Rights. The Service is “commercial computer software” under FAR 12.212 and DFARS 227.7202. Government use is subject to this Agreement.

14. Contact

Questions about this Agreement should be directed to:

Data Visuals LLC

Wisconsin, USA

[email protected]

© 2026 Data Visuals LLC. All rights reserved. DataVisuals™ and Decision Governance™ are trademarks of Data Visuals LLC.

Revision history

Acceptance

This EULA is accepted at signup to the Decision Governance™ platform at dg.datavisuals.com/signup. The signup form includes a required checkbox linked to this page; submitting the form captures acceptance with timestamp, EULA version, and an audit-trail entry tied to the user record. There is no separate acceptance step on the trust center — this page publishes the canonical text only.

To review what you previously accepted (or to re-accept after a version revision), see your account settings inside the platform. Counsel and procurement reviewers can read this page without acceptance — nothing is captured by viewing the text alone.