Effective Date: July 1, 2026

These Terms and Conditions govern your access to and use of the Hedgehog website at www.hedgehog.tech (“Website”).

By accessing or using the Website, you agree to these Terms and Conditions. If you do not agree to these Terms and Conditions, please do not use the Website.

Use of the Website

The Website provides general information about Hedgehog and its financial modeling, forecasting, scenario analysis, asset-liability management, and risk-analysis technology.

You may use the Website only for lawful purposes. You agree not to misuse, disrupt, damage, interfere with, or attempt to gain unauthorized access to the Website, its systems, or its content.

You may not use automated methods to scrape, copy, or extract Website content except as permitted by applicable law or with Hedgehog’s prior written consent.

Website and Platform Agreements

These Terms and Conditions apply to the public Website. Access to or use of Hedgehog’s software platform, products, demonstrations, subscriptions, professional services, or other offerings may be governed by a separate agreement.

If these Terms and Conditions conflict with a separate written agreement between you or your organization and Hedgehog, the separate agreement will control with respect to the products or services covered by that agreement.

Submitting a form, requesting a demonstration, subscribing to communications, or contacting Hedgehog does not by itself create a client, advisory, fiduciary, or contractual relationship.

No Financial, Investment, Legal, Tax, or Accounting Advice

Content available on the Website is provided for general informational purposes only. It does not constitute financial, investment, banking, legal, tax, accounting, regulatory, or other professional advice and should not be relied upon as a substitute for advice from qualified professionals.

Nothing on the Website constitutes an offer to sell, a solicitation to buy, or a recommendation regarding any security, investment product, financial instrument, transaction, or strategy.

Hedgehog is a technology provider and does not act as your financial adviser, investment adviser, attorney, accountant, auditor, or fiduciary through your use of the Website.

Models, Forecasts, and Decision Support

Descriptions of models, forecasts, scenarios, simulations, assumptions, analytics, or potential outcomes are illustrative and informational. These tools and materials are intended to support analysis and professional judgment, not replace them.

Actual outcomes may differ materially from modeled or projected results. Financial institutions and other users remain responsible for reviewing assumptions, validating inputs and outputs, applying appropriate professional judgment, and making their own business, financial, risk-management, and regulatory decisions.

No Guarantee of Results

Hedgehog does not guarantee that any model, forecast, scenario, analysis, strategy, or other information will produce a particular result.

Past performance, examples, estimates, projections, or hypothetical outcomes do not guarantee future performance or results.

Financial and business decisions involve risk, including changes in interest rates, market conditions, liquidity, credit conditions, operations, data quality, laws, regulations, and other factors that may not be reflected in Website content.

Website Content

Hedgehog aims to provide useful and current information but does not warrant that Website content is complete, accurate, error-free, or up to date.

Hedgehog may modify, suspend, remove, or update Website content or functionality at any time without notice.

Any statistics, performance statements, product capabilities, examples, or other claims presented on the Website may be based on assumptions, selected use cases, or information available at the time of publication.

Results may vary depending on the institution, data, configuration, implementation, and other circumstances.

Intellectual Property

The Website and its content—including text, software, graphics, images, videos, logos, trademarks, design elements, models, documentation, and other materials—are owned by or licensed to Hedgehog and are protected by applicable intellectual-property laws.

Hedgehog grants you a limited, revocable, non-exclusive, and non-transferable right to access and use the Website for your internal informational purposes.

Except as permitted by applicable law, you may not copy, reproduce, modify, distribute, publish, sell, license, reverse engineer, create derivative works from, or otherwise exploit Website content without Hedgehog’s prior written permission.

“Hedgehog” and its associated names, logos, and branding are trademarks or service marks of Hedgehog. No license to use them is granted except as expressly stated in these Terms and Conditions.

Third-Party Links and Services

The Website may contain links to third-party websites, platforms, tools, or services. These links are provided for convenience only.

Hedgehog does not control and is not responsible for third-party content, availability, security, privacy policies, terms, or practices. Your use of third-party services is governed by their respective terms and policies.

Information You Submit

If you submit information through a Website form, newsletter signup, demonstration request, or another contact method, you represent that the information is accurate and that you have the right to provide it.

Hedgehog may use the information to respond to your request, communicate with you, provide requested materials, and conduct related business activities in accordance with its Privacy Policy.

Do not submit confidential, sensitive, regulated, or proprietary financial information through public Website forms unless Hedgehog has expressly instructed you to use an approved secure method.

Privacy

Hedgehog’s collection and use of personal information through the Website are described in its Privacy Policy.

By using the Website, you acknowledge that you have reviewed the Privacy Policy.

Disclaimer of Warranties

To the fullest extent permitted by law, the Website and its content are provided “as is” and “as available,” without warranties of any kind, whether express, implied, statutory, or otherwise.

Hedgehog disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, and uninterrupted operation.

Hedgehog does not warrant that the Website will always be available, secure, free from errors or harmful components, or suitable for your specific needs.

Limitation of Liability

To the fullest extent permitted by applicable law, Hedgehog and its affiliates, officers, directors, employees, contractors, agents, licensors, and representatives will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages.

This includes any loss of profits, revenue, data, business opportunities, goodwill, or anticipated savings arising out of or relating to your access to, use of, inability to use, or reliance on the Website or its content.

To the fullest extent permitted by applicable law, Hedgehog’s total liability for claims arising out of or relating to the Website or these Terms and Conditions will not exceed one hundred U.S. dollars (US $100).

Some jurisdictions do not allow certain warranty disclaimers or limitations of liability, so some provisions above may not apply to you.

Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Hedgehog and its affiliates, officers, directors, employees, contractors, agents, and representatives from claims, liabilities, damages, judgments, losses, costs, and expenses, including reasonable legal fees, arising out of or relating to:

• Your unlawful misuse of the Website
• Your violation of these Terms and Conditions
• Your violation of applicable law
• Your violation of another party’s rights

Changes to These Terms and Conditions

Hedgehog may update these Terms and Conditions from time to time. When changes are made, the revised Terms and Conditions will be posted on this page and the Effective Date will be updated.

Your continued use of the Website after revised Terms and Conditions are posted constitutes acceptance of the updated Terms and Conditions.

Governing Law

These Terms and Conditions are governed by the laws of the State of [confirm state], without regard to its conflict-of-law principles.

Any dispute arising out of or relating to these Terms and Conditions or the Website will be brought in the state or federal courts located in [confirm county and state], and you consent to the jurisdiction of those courts.

Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms and Conditions constitute the entire agreement between you and Hedgehog regarding your use of the public Website and supersede prior communications concerning that use.

Separate written agreements may apply to Hedgehog’s software platform, products, or services.

Contact Us

If you have questions about these Terms and Conditions, please contact:

Hedgehog
Austin, Texas
Website: www.hedgehog.tech