Expert Contributor Agreement

This Expert Contributor Agreement ("Agreement") is entered into between Temenal ("Platform", "we", "us") and you, the individual applying to contribute expert content ("Expert", "you"). By submitting your first answer on the Temenal platform, you agree to be bound by this Agreement in full.

You own all content you submit to Temenal ("Expert Content"). This Agreement does not transfer ownership of that content to us. You retain full intellectual property rights over every answer, response, and written contribution you make.

You represent that: (a) you are the sole author of all content you submit; (b) your content does not infringe any third-party intellectual property rights; and (c) you have the legal right to grant the licence described below.

You grant Temenal a perpetual, worldwide, non-exclusive, royalty-bearing, sublicensable licence to host, store, index, reproduce, display, and distribute your Expert Content to subscribers of the Temenal platform, including through AI-powered search and retrieval systems.

This licence continues for so long as your content remains on the platform. If content is removed at your request or by Temenal, the licence terminates for that specific content only, subject to Section 9 (Royalty Clawback).

We will not sell, license, or distribute your Expert Content to third parties outside the Temenal platform without your explicit written consent. Subscriber access to your content is governed by their own Terms of Service, which restricts redistribution and resale.

You agree not to disclose any of the following through the Temenal platform:

• Material non-public information (MNPI) — information about a public company that is not yet publicly disclosed and that a reasonable investor would consider significant to an investment decision, including undisclosed earnings, mergers and acquisitions, regulatory decisions, or management changes;
• Confidential information belonging to any current or former employer, client, or counterparty, including trade secrets, proprietary processes, internal pricing, and non-public business strategies;
• Any information covered by a non-disclosure agreement (NDA), employment agreement, or other contractual confidentiality obligation you are subject to;
• Any information obtained in breach of a duty of confidence, whether arising from contract, equity, or employment.

You represent that your answers are based solely on: (a) your own professional experience and judgment; (b) publicly available information; and (c) general industry knowledge you developed during your career, without reference to non-public information obtained in a confidential capacity.

Former employers only. You may only submit answers about companies where you are no longer employed. Contributing answers about a current employer — including any company where you hold an active employment, contractor, advisory, or board relationship — is strictly prohibited, regardless of the nature of the information shared. If you are uncertain whether a relationship qualifies, treat it as current and do not submit.

Temenal is not liable for any MNPI violations by Expert contributors. However, a violation of this clause constitutes an immediate ground for account termination, removal of the offending content, and recovery of any royalties paid in connection with that content. We will cooperate with any regulatory or law enforcement investigation arising from such violations.

You represent and warrant that contributing content to Temenal does not: (a) breach any employment agreement, contractor agreement, or non-compete obligation you are subject to; (b) breach any NDA or confidentiality agreement; (c) create a conflict of interest with any duty you owe to a current or former employer, client, or fiduciary; or (d) concern any company where you currently hold an employment, contractor, advisory, or board relationship (see Section 4).

If you become aware of any actual or potential conflict during your time as an Expert contributor, you must notify us promptly at legal@temenal.com and refrain from submitting content in that area until the matter is resolved.

Rate. For each retrieval unlock — where a subscriber pays tokens to access your answer — you earn 70% of the token value attributed to that unlock, at a fixed rate of USD 0.50 per token, subject to periodic revision with 30 days' notice.

For commissioned answers — where a subscriber pays 10 tokens to commission a new answer from you — you earn 70% of the commission value, totalling USD 3.50 per completed commission.

Payment schedule. Royalties accrue monthly. We process payments on or before the 14th business day of the following calendar month. Payments are made via Stripe Connect to your registered bank account. A minimum balance of USD 20.00 must be accumulated before a payment is processed; any balance below this threshold rolls over to the next month.

Tax. You are responsible for all taxes applicable to royalty income in your jurisdiction. We will provide earnings statements upon request for tax reporting purposes. We do not withhold tax from royalty payments unless required by applicable law.

Disputes. Any dispute regarding royalty calculations must be raised within 60 days of the payment date. We will review the dispute and provide a written response within 14 business days.

All Expert Content must: (a) be truthful and based on genuine professional experience; (b) be written in English; (c) be substantive and useful to a knowledgeable reader; and (d) comply with this Agreement and Temenal's Content Policy.

You must not submit content that: (a) is false, misleading, or fabricated; (b) constitutes investment advice (i.e. a recommendation to buy, sell, or hold a specific security); (c) disparages named individuals or makes defamatory statements; (d) infringes any intellectual property right; or (e) violates any applicable law.

Temenal does not provide legal advice on the permissibility of specific disclosures. If you are uncertain whether a piece of information may be disclosed, do not include it and seek your own legal advice.

We reserve the right to: (a) review any Expert Content before or after publication; (b) edit content for formatting, grammar, or clarity, without altering the substantive meaning; (c) temporarily suspend publication of content pending legal or compliance review; and (d) permanently remove content that violates this Agreement, our Content Policy, or any applicable law.

We will notify you by email if content is removed, along with the reason. You may dispute a removal decision within 14 days of notification. Our Content Policy describes the review and appeal process in full.

If content is removed due to a violation of Section 4 (MNPI or confidentiality breach) or Section 7 (content standards breach), Temenal reserves the right to recover any royalties paid in connection with that content, up to a maximum of 12 months of royalty earnings attributable to the removed content.

Clawback will be by written notice. You will have 30 days to dispute the clawback in writing. If unresolved, we may set off the clawback amount against future royalty payments.

No clawback applies to content removed at your own request or for reasons unrelated to a breach by you.

Either party may terminate this Agreement at any time on written notice. Termination does not affect: (a) royalties already earned and not yet paid, which will be paid at the next scheduled payment date; or (b) the licence granted under Section 3 for content that remains on the platform at termination (if you request content removal, the licence terminates for that content).

We may suspend or terminate your account immediately, without notice, in the event of a breach of Section 4 (MNPI) or any other material breach of this Agreement.

Nothing you submit to Temenal constitutes investment advice. You are not a registered investment adviser for purposes of the Temenal platform. Your Expert Content is professional insight and practitioner perspective — not a recommendation to buy, sell, or hold any security. You agree not to frame your answers as investment recommendations.

To the maximum extent permitted by law, Temenal's total liability to you under this Agreement is limited to royalties earned in the 12 months preceding the claim. We are not liable for any indirect, consequential, or incidental loss arising from this Agreement or your use of the platform. This limitation does not apply to liability arising from fraud, wilful misconduct, or death or personal injury caused by our negligence.

This Agreement is governed by applicable law. Any dispute arising from or in connection with this Agreement that cannot be resolved informally shall be submitted to binding arbitration. We will always attempt to resolve disputes informally first — contact legal@temenal.com before initiating proceedings.

We may amend this Agreement from time to time. We will notify all active Expert contributors by email at least 30 days before any material change takes effect. Continued contribution after the effective date constitutes acceptance of the amended Agreement. If you do not accept the amendment, you may terminate your account without penalty before the effective date.