Terms of Sale & Licence Agreement — DFM Professional Packs

These Terms of Sale & Licence ("Terms") govern the purchase and use of the downloadable professional documentation packs ("Packs") offered under the "DFM Professional Packs" line on platform.defencefinancemonitor.com (the "Platform").

1. Seller

The Packs are sold by STRONCATURE S.R.L., registered office Via Garibaldi 169, 84061 Ogliastro Cilento (SA), Italy, VAT/Tax ID IT05960160652 (REA SA-486919), e-mail packs@defencefinancemonitor.com (the "Seller", "DFM", "we"). Defence Finance Monitor ("DFM") is a product of the Seller.

2. Definitions

"Pack" means a downloadable set of editable documentation files (spreadsheets, text documents, guidance notes) identified on its product page. "Licence Tier" means the scope of use purchased (Single User, Company, Advisory, Enterprise (Prime/Institutional)). Licence tiers are based on permitted use, not buyer identity. "Consumer" means a natural person acting for purposes outside their trade, business, craft or profession. "Business Customer" means any purchaser who is not a Consumer.

3. Nature of the Packs — no advice

3.1 Each Pack is an editable documentation and preliminary-screening tool for internal governance and preparation. Packs produce structured information, questions and preliminary flags only.

3.2 The Packs are not, and do not replace: legal advice; an export-control classification or determination; foreign-direct-investment (FDI) screening advice or any filing conclusion; investment, financial, accounting or tax advice; procurement advice; or any certification, determination or guarantee of eligibility under EDIP, SAFE, EDF or any other programme. Outputs are not conclusions and must not be relied upon as such.

3.3 Content is a point-in-time snapshot: each Pack states its version and source-check date. Laws, programmes and official documents change; you must verify against the current official texts and consult qualified advisors before any legal, regulatory, investment, procurement or export decision.

3.4 The Packs are designed for professional and business use. They are made available in English only.

4. Ordering and conclusion of the contract

4.1 To purchase you need a Platform account with a verified e-mail address. Steps: select Pack and Licence Tier → review the order summary → accept these Terms and, where applicable, give the express consent described in Section 8 → pay. The contract is concluded when we send the order confirmation e-mail.

4.2 We store the essential contract data (order, Licence Tier, consents with timestamps) and send confirmation on a durable medium (e-mail). Input errors can be corrected up to the payment step by amending the selection.

5. Prices, taxes and payment

5.1 Prices are stated per Pack and per Licence Tier in euro. Unless stated otherwise on the product page, prices are exclusive of VAT; applicable VAT (or reverse charge for eligible business customers providing a valid VAT ID) is calculated at checkout.

5.2 Payment is processed by Stripe (Stripe Payments Europe, Ltd. and affiliates). Card and payment data are provided directly to Stripe; we never receive or store full card numbers. Stripe processes personal data as described in its own privacy notices (see our Privacy Policy).

5.3 We may issue invoices/receipts through our payment provider. Business Customers must enter accurate billing data including VAT ID where relevant.

6. Delivery and re-download

6.1 Delivery is digital only: after successful payment the files become available for download in your account area ("My purchases"). No physical medium is supplied.

6.2 Re-download of the purchased version remains available through your account for at least 12 months from purchase. We may retire download availability of superseded versions after that period with reasonable notice.

6.3 You are responsible for maintaining access to your account e-mail. Delivery to the account is delivery to you.

7. Licence

7.1 Grant. Upon full payment, the Seller grants you a non-exclusive, non-transferable, worldwide licence to use the purchased Pack for your internal purposes, within the purchased Licence Tier:

• Single User — use by one (1) named individual user; the licence may not be shared, pooled or used on behalf of clients. Internal use only.
• Company — use within one (1) legal entity (company, fund or SME team) by its employees. Internal use only.
• Advisory — use by one (1) consultancy or law firm to support client engagements: you may complete, adapt and share work products derived from the Pack with your clients, provided the original Pack files are not delivered, sold or sublicensed to clients.
• Enterprise (Prime/Institutional) — use within one (1) larger organisation (prime contractor, institution, fund group) by its employees across teams; up to the number of users agreed at purchase.

7.2 Permitted modifications. You may complete, edit and adapt the files for your internal use (or, under the Advisory tier, for client work products).

7.3 Restrictions. Except as expressly allowed above, you may not: redistribute, resell, rent, sublicense, publish or make the Pack (or substantial portions of it) available to any third party; remove notices, disclaimers or source anchors; use the Pack to build a competing product for sale; or represent Pack outputs as legal, regulatory or investment conclusions.

7.4 IP. The Packs, their structure, texts and design are the intellectual property of the Seller. Statutory quotations of EU legal texts remain subject to their own reuse rules. All rights not granted are reserved.

7.5 Feedback. Suggestions you send us may be used to improve the products without obligation.

8. Right of withdrawal (Consumers only)

8.1 Consumers in the EU/EEA normally have 14 days to withdraw from distance contracts. However, for digital content supplied without a tangible medium, Article 16(m) of Directive 2011/83/EU applies: the right of withdrawal is lost where performance has begun with the Consumer's prior express consent and acknowledgement that the right of withdrawal is thereby lost, and we have provided confirmation of that consent on a durable medium.

8.2 Our checkout therefore asks you, before payment, to tick: "I expressly request immediate performance and delivery of the digital content, and I acknowledge that I thereby lose my right of withdrawal once delivery has begun." If you do not give this consent, we will not deliver the download immediately; delivery will occur after the 14-day withdrawal period, or you may withdraw in the meantime.

8.3 Where the right of withdrawal applies (e.g. consent not given and content not yet delivered), you may withdraw within 14 days of contract conclusion without giving reasons, using the model form in the Annex or any unequivocal statement to packs@defencefinancemonitor.com. We will reimburse all payments received within 14 days using the original means of payment.

8.4 Business Customers have no right of withdrawal.

9. Conformity, defects and remedies

9.1 Consumers benefit from the statutory conformity rights for digital content (Directive (EU) 2019/770 and national implementing law, in Italy the Consumer Code): if the supplied files are defective (e.g. corrupted, materially not as described), you are entitled to have them brought into conformity, or to a proportionate price reduction or termination as provided by law. Nothing in these Terms limits Consumers' mandatory statutory rights.

9.2 All customers: if a downloaded file is corrupted or does not match its product-page description, contact packs@defencefinancemonitor.com within 30 days and we will supply a corrected file or replacement version free of charge; if we cannot, we will refund the purchase.

9.3 Business Customers: except as stated in 9.2 and to the maximum extent permitted by law, the Packs are provided "as is" and all implied warranties (merchantability, fitness for a particular purpose, non-infringement) are excluded.

9.4 No accuracy warranty for decisions. Given Section 3, we do not warrant that use of a Pack will achieve any regulatory, funding, procurement or investment outcome, nor that its point-in-time content reflects the law at the moment of your decision.

10. Liability

10.1 Nothing in these Terms excludes or limits liability for intent (dolo) or gross negligence (colpa grave), for death or personal injury caused by negligence, or for any liability that cannot be excluded under applicable law (including Consumers' mandatory rights).

10.2 Subject to 10.1, the Seller's total aggregate liability arising out of or in connection with a Pack is limited to the price paid for that Pack, and the Seller is not liable for indirect or consequential losses, loss of profits, loss of business, loss of opportunity, or decisions taken (or not taken) in reliance on Pack outputs.

10.3 You remain solely responsible for the information you enter into the files and for obtaining qualified professional advice.

11. Versions and updates

11.1 Each Pack is sold as the version stated on its product page (with its source-check date). New versions may be released and sold separately; purchase does not include future versions unless expressly stated. Statutory update obligations owed to Consumers under conformity law remain unaffected.

12. Account, misuse and termination

12.1 We may suspend downloads or terminate the licence in case of material breach (in particular redistribution or resale), without prejudice to other remedies. Fees are not refunded in case of termination for breach.

13. Data protection

Personal data are processed as described in the Privacy Policy (linked in the footer and at checkout), which forms part of the pre-contractual information.

14. Complaints and dispute resolution

14.1 Complaints: packs@defencefinancemonitor.com — we aim to respond within 14 days.

14.2 Consumers may have recourse to alternative dispute resolution bodies under national law. (The former EU ODR platform was discontinued on 20 July 2025 and is no longer available.)

15. General

15.1 If a provision is invalid, the remainder stays effective. These Terms are the entire agreement for the purchase. We may update the Terms for future purchases; the version accepted at checkout applies to your order. Assignment by the customer requires our consent.

16. Governing law and jurisdiction

16.1 These Terms are governed by Italian law, without prejudice to mandatory consumer protections of the Consumer's country of habitual residence.

16.2 For Business Customers, the courts of Salerno, Italy have exclusive jurisdiction. For Consumers, statutory consumer fora apply.

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Annex — Model withdrawal form (Consumers, where applicable)

To: STRONCATURE S.R.L., Via Garibaldi 169, 84061 Ogliastro Cilento (SA), Italy, packs@defencefinancemonitor.com
I/We (*) hereby give notice that I/we (*) withdraw from my/our (*) contract for the supply of the following digital content: [Pack name, order number]
Ordered on: [date] — Name of consumer(s): — Address of consumer(s): — Signature (only if on paper) — Date
(*) Delete as appropriate.