Last Updated: 8 September 2025

1. Introduction

Welcome to Warren, a mobile application (the "App") provided by Warren BV ("Warren", "we", "us", "our"), a private limited liability company (besloten vennootschap or BV) incorporated, organized, and existing under the laws of Belgium, with registered seat at Lierenhoek 5, 9572 Lierde (Belgium).

These Terms and Conditions ("Terms") govern Members’ access to and use of the App and all related services, including our AI-based wealth advisory features and pension fund management tools (collectively, the "Services"). By installing, accessing, or using our App, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use the App.

2. Definitions

In these Terms, the following definitions apply:

• "Account": Your registered account on the App.
• "Customer": The company or entity that has entered into an agreement with Warren for the provision of the Services as specified thereunder.
• "Member": means one individual natural person, whether an employee of Customer or a contractor providing services to Customer, or dependents of the employee or contractor of Customer or its affiliates, who is designated by Customer to use the App and/or Services.
• "Personal Data": Any information relating to an identified or identifiable natural person as defined under the GDPR.
• "User": Any individual who downloads, installs, registers with, or uses the App (including Members).

3. Eligibility and Registration

3.1 Eligibility

To use the App, you must:

• Be at least 18 years old
• Have full legal capacity to enter into these Terms
• Be allowed to benefit from the Services as per the General Terms & Conditions of Warren entered into between Warren and the Customer, or otherwise be authorized by Warren to use the App.

Failure to qualify and continuously comply with the above requirements constitutes a violation of these Terms and may result in the termination of your Account and permission to use the App.

3.2 Account Registration

To access the Services, Warren will invite you to create an Account by downloading the App. You will be asked to (i) provide certain registration details or other information, and (ii) set up your Account specific to you. All information you provide to us during your registration process for the purpose of establishing your Account will be true and correct and you will promptly notify us of any changes to such information.