Scelo IDE Source-Available License Agreement
Version 1.1 — Effective Date: 27 May 2026

SPDX-License-Identifier: LicenseRef-Scelo-IDE-1.1

Copyright (c) 2026 Intelligent Actuaries (Pty) Ltd and its contributors.
All rights reserved.


────────────────────────────────────────────────────────────────────────
NOT LEGAL ADVICE. This document is the licensing instrument governing
the Scelo IDE software. It is not legal advice. Before adopting or
relying on this License, You should consult independent legal counsel
in Your jurisdiction. Intelligent Actuaries (Pty) Ltd recommends that
all parties, Licensor and Licensee alike, obtain such advice.
────────────────────────────────────────────────────────────────────────


────────────────────────────────────────────────────────────────────────
PRICING SUMMARY (non-binding; the operative text begins at Section 1)
────────────────────────────────────────────────────────────────────────

  In the interest of transparency, the pricing model is published in
  full and applies on identical terms to every licensee worldwide.

  • You may install, run, modify, fork, and use Scelo IDE for any
    purpose, including building commercial products and services.
    There is no fee for using the Software itself.

  • For each product, service, model, dataset, application, or other
    distributable artefact that You build or substantially produce
    using Scelo IDE (each, a "Licensed Product"), the first
    ZAR 1,000,000 of that Licensed Product's lifetime Gross Revenue
    is royalty-free.

  • Above that per-Product threshold, You owe Intelligent Actuaries
    a flat royalty of three percent (3%) of that Licensed Product's
    Gross Revenue in excess of ZAR 1,000,000, for the lifetime of the
    Licensed Product.

  • Nanoeconomics-for-poverty research and direct-delivery work
    conducted under the published Nanoeconomics Methodology remains
    free without revenue limit, conditional on the public annual
    report described in Section 3.

  • Misrepresentation of revenue, of affiliates, or of carve-out
    eligibility triggers retroactive back-charge plus the Licensor's
    legal costs (Section 8).

  Where this summary and the operative text below conflict, the
  operative text governs.

────────────────────────────────────────────────────────────────────────


This License governs Your use of the Scelo IDE software, including the
desktop application, its installer artefacts, its accompanying sample
workspace templates, its bundled scripts, and the source code in the
`apps/scelo-ide/` directory and `apps/web/` directory of the
Intelligent Actuaries monorepo (collectively, the "Software"). By
downloading, installing, copying, accessing, executing, embedding,
modifying, or otherwise using the Software, You agree to be bound by
these terms. If You do not agree, You must not use the Software.

This License is global in scope. The rights granted in Sections 2 and
3 are available to any natural or legal person, anywhere in the world,
on identical terms. The Licensor is incorporated in the Republic of
South Africa, and this License is governed by South African law (see
Section 13), but the License itself is intended for international use:
the per-Product royalty gate in Section 2 and Section 4 applies
worldwide via the currency conversion mechanic in Section 1.5, and the
Nanoeconomics carve-out in Section 3 is available to researchers and
practitioners in every jurisdiction.

This License is independent of the Intelligent Actuaries License v1.0
(`LICENSE` at the repository root). Where this License and IA v1.0
would both apply to the Software, this License governs. Where this
License is silent, IA v1.0 fills the gap by analogy, but only to the
extent consistent with the terms below.

It is a source-available, royalty-bearing license measured on a
per-Product basis, with a dedicated free-use carve-out for
nanoeconomics research conducted for poverty eradication. It is NOT an
Open Source Initiative–approved open-source license.


────────────────────────────────────────────────────────────────────────
1.  DEFINITIONS
────────────────────────────────────────────────────────────────────────

1.1  "Affiliate" means, with respect to any entity, any other entity
     that directly or indirectly controls, is controlled by, or is
     under common control with that entity. "Control" means ownership
     of fifty percent (50%) or more of the voting securities or the
     power to direct the management of the entity.

1.2  "Annual Report" means the public-facing self-attested report
     described in Section 3 (Nanoeconomics carve-out) or, in the
     context of Section 4, the annual royalty report described in
     Section 4.4. The context indicates which is meant.

1.3  "Commercial Use" means any use of the Software in the design,
     development, training, evaluation, deployment, distribution, or
     operation of a Licensed Product.

1.4  "Eligible Nanoeconomics Use" has the meaning given in Section 3.

1.5  "Gross Revenue", in respect of a Licensed Product, means all
     worldwide revenue earned by You and Your Affiliates in aggregate,
     in respect of that Licensed Product, from any source whatsoever
     and measured before any deduction (including but not limited to
     refunds, chargebacks, taxes, distribution fees, hosting costs,
     payment-processor fees, or cost of goods sold). It includes
     subscription fees, one-time purchase fees, in-app purchases,
     advertising revenue attributable to the Licensed Product,
     sponsorship revenue attributable to the Licensed Product,
     consulting or service fees where the Licensed Product is the
     subject of the engagement, license fees and royalties received
     from sub-distributors, and the fair market value of any non-cash
     consideration received in connection with the Licensed Product.
     Gross Revenue is computed in South African Rand (ZAR). Revenue
     earned in any other currency is converted to ZAR at the spot
     exchange rate published by the South African Reserve Bank on the
     last business day of the fiscal year in which that revenue was
     earned, or, if such rate is not available, the applicable
     mid-market rate published by a major international financial
     data provider on that date.

1.6  "Licensed Product" means any product, service, application,
     model, dataset, software library, simulation, report, or other
     distributable, sold, licensed, or revenue-generating artefact
     that You or Your Affiliates create, distribute, license, host,
     or otherwise commercialise, where the Software was used in the
     design, development, training, evaluation, or production of that
     artefact in any non-trivial way. Use is non-trivial if removing
     the Software from the development process would have required
     material additional work, cost, or time. Internal-only artefacts
     that are never distributed and never used to generate revenue
     are not Licensed Products.

     For the avoidance of doubt, Licensed Products are counted
     individually: separate products, services, or service-tiers
     constitute separate Licensed Products even where they share
     code, models, or branding, unless they are functionally a single
     offering distinguished only by packaging or pricing. The
     Licensor and Licensee shall, in case of doubt, resolve product
     boundaries by reference to how the Licensee presents the
     offering(s) to its customers in the ordinary course.

1.7  "Licensor" means Intelligent Actuaries (Pty) Ltd, a private
     company incorporated under the laws of the Republic of South
     Africa, and its lawful assignees.

1.8  "Nanoeconomics Methodology" means the body of work published by
     the Licensor under the name "Nanoeconomics", including its
     definitions, methods, boundary conditions, simulators, and
     reproducible artefacts, as those works exist from time to time
     on the Licensor's public research surfaces (including
     intelligentactuaries.com, the public GitHub organisation
     intelligentactuaries, and the public Hugging Face organisation
     intelligentactuaries). Where a specific publication is cited in
     an Annual Report, that publication is the governing reference
     for that report.

1.9  "Revenue Threshold" means South African Rand one million
     (ZAR 1,000,000.00) of lifetime Gross Revenue, in respect of a
     single Licensed Product, aggregated across You and Your
     Affiliates and across all fiscal years in which that Licensed
     Product has earned revenue.

1.10 "Royalty Rate" means three percent (3.00%).

1.11 "Software" has the meaning given in the opening paragraphs.

1.12 "You" (or "Your") means the individual or legal entity exercising
     rights under this License. If You exercise such rights on behalf
     of an entity, You represent that You have authority to bind that
     entity, and "You" includes that entity and its Affiliates.


────────────────────────────────────────────────────────────────────────
2.  GRANT OF LICENSE
────────────────────────────────────────────────────────────────────────

2.1  The Licensor grants You a worldwide, non-exclusive, royalty-free,
     non-transferable, revocable license to:

     (a)  install, execute, and use the Software for any lawful
          purpose, including Commercial Use and including the design,
          development, training, evaluation, and operation of
          Licensed Products;

     (b)  modify, fork, and create derivative works of the Software
          for Your own internal use; and

     (c)  copy and redistribute the Software, in source or binary
          form, with or without modification, provided that every
          copy preserves this License in full, the copyright notice,
          and the attribution required by Section 6.

2.2  The rights in Section 2.1 are royalty-free with respect to use
     of the Software itself. They are conditional on Your continued
     compliance with this License, including the per-Product royalty
     obligation in Section 4 where a Licensed Product crosses the
     Revenue Threshold.

2.3  Nothing in this Section terminates the license merely because a
     Licensed Product earns revenue. The license continues; a royalty
     obligation under Section 4 attaches in addition.


────────────────────────────────────────────────────────────────────────
3.  ELIGIBLE NANOECONOMICS USE — FREE WITHOUT REVENUE LIMIT
────────────────────────────────────────────────────────────────────────

3.1  Notwithstanding Section 4, You may use the Software for any
     "Eligible Nanoeconomics Use" without regard to the Revenue
     Threshold, and at no royalty, provided that every condition in
     Sections 3.2 through 3.4 is met and remains met.

3.2  "Eligible Nanoeconomics Use" means use of the Software:

     (a)  for research, simulation, policy design, programme
          delivery, or other activity directed at the eradication of
          poverty;

     (b)  conducted in substantial reliance on the Nanoeconomics
          Methodology, including its published definitions, methods,
          boundary conditions, and reproducibility requirements as
          they appear on the Licensor's public research surfaces from
          time to time; and

     (c)  not used as a wrapper around a commercial product or
          service whose primary purpose is something other than the
          Eligible Nanoeconomics Use described above. The carve-out
          covers research and direct-delivery work; it does not cover
          ordinary commercial activity that incidentally cites the
          Nanoeconomics Methodology.

3.3  You shall publish, no later than sixty (60) days after the end of
     each calendar year in which You exercised the rights granted by
     this Section, an Annual Report that:

     (a)  identifies You and any Affiliates relying on this carve-out;

     (b)  identifies the specific Nanoeconomics Methodology
          publication(s) on which the work is based, by title, version
          or revision identifier, and URL;

     (c)  summarises the work undertaken, including its scope,
          population reached, geography, period covered, and the
          outcome metrics You used to evaluate it;

     (d)  states honestly any departures from the Nanoeconomics
          Methodology and the reasons for them; and

     (e)  is published in full on a public web surface under Your
          control, or, where that is not possible, attached to the
          submission described in Section 3.4.

3.4  You shall submit the Annual Report by electronic mail to BOTH of
     the following addresses simultaneously:

          scelo@intelligentactuaries.com
          nanoeconomics@scelo.ai

     Submission is by transmission. The Licensor is not required to
     review, approve, or acknowledge the Annual Report. The Licensor
     reserves the right to publish the list of submitting parties on
     its public research surfaces.

3.5  The carve-out lapses, with respect to a given calendar year, if
     no Annual Report meeting the requirements above has been
     submitted within the deadline. A lapse does not retroactively
     invalidate prior years' compliance, but it does revert You to
     the Section 4 royalty regime for the year of lapse and every
     subsequent year, until a fresh Annual Report restores Eligible
     Nanoeconomics Use status.


────────────────────────────────────────────────────────────────────────
4.  ROYALTY OBLIGATION ON LICENSED PRODUCTS
────────────────────────────────────────────────────────────────────────

4.1  The first ZAR 1,000,000 of lifetime Gross Revenue earned in
     respect of any single Licensed Product is royalty-free.

4.2  Once a Licensed Product's lifetime Gross Revenue, aggregated
     across You and Your Affiliates and across all fiscal years,
     equals or exceeds the Revenue Threshold, You shall pay to the
     Licensor a royalty equal to the Royalty Rate (three percent,
     3.00%) of every additional ZAR of Gross Revenue earned by that
     Licensed Product, for the lifetime of the Licensed Product. The
     royalty applies only to Gross Revenue in excess of ZAR 1,000,000;
     the first ZAR 1,000,000 remains royalty-free in perpetuity.

4.3  Royalties accrue at the moment Gross Revenue is earned. They are
     due and payable annually in arrears, no later than ninety (90)
     days after the end of Your fiscal year in which the relevant
     Gross Revenue was earned. Payment shall be made in ZAR by
     electronic transfer to bank-account details provided by the
     Licensor on written request to legal@intelligentactuaries.com.

4.4  Within the same ninety (90) day window, You shall submit a
     royalty report to legal@intelligentactuaries.com (with a courtesy
     copy to scelo@intelligentactuaries.com) that, for each Licensed
     Product that has crossed the Revenue Threshold:

     (a)  identifies the Licensed Product by name and description;

     (b)  states the fiscal year covered;

     (c)  states the Gross Revenue earned by that Licensed Product in
          the fiscal year, in its original currency or currencies,
          and the ZAR-equivalent amount computed under Section 1.5;

     (d)  states the cumulative lifetime Gross Revenue of the
          Licensed Product through the end of that fiscal year;

     (e)  states the royalty amount due in respect of that fiscal
          year (3% of the portion of Gross Revenue in excess of
          ZAR 1,000,000); and

     (f)  identifies the Affiliates whose revenue is included.

     The royalty report shall be self-attested by an officer or
     equivalent authorised representative of the Licensee.

4.5  The Licensor may, no more than once per Licensed Product per
     fiscal year, request reasonable supporting documentation of the
     figures in a royalty report. You shall provide such documentation
     within thirty (30) days of the request, redacted only to the
     extent necessary to protect customer-identifying information or
     other lawfully confidential material.

4.6  Affiliate aggregation is mandatory. Revenue earned in respect of
     a Licensed Product by any of Your Affiliates is included in that
     Licensed Product's Gross Revenue, regardless of contractual,
     accounting, or legal structuring. The Licensee that first
     adopted this License in respect of a Licensed Product is jointly
     and severally liable, with its Affiliates, for the royalty due
     on that Licensed Product.

4.7  An election to enter into a Commercial License under Section 5
     supersedes the royalty obligation in this Section for the
     Licensed Product(s) covered by that Commercial License, for the
     term of that Commercial License.


────────────────────────────────────────────────────────────────────────
5.  COMMERCIAL LICENSE (OPTIONAL ALTERNATIVE)
────────────────────────────────────────────────────────────────────────

5.1  The royalty regime in Section 4 is the default and applies to
     all Licensees by operation of this License. As an alternative,
     You may, at Your election, negotiate a Commercial License with
     the Licensor that supersedes Section 4 for the Licensed
     Product(s) and term agreed in writing. Typical reasons to
     negotiate a Commercial License include: preferring a fixed
     annual fee over a variable royalty, requesting expanded rights
     (for example, sublicensing or rebranding rights not otherwise
     granted), or requesting a support and service level.

5.2  Commercial Licenses are granted on negotiated, written terms.
     Pricing, scope, term, support level, and any other commercial
     matters are agreed between the Licensor and the Commercial
     Licensee, and supersede this License for the duration of the
     Commercial Licence, with respect to the Licensed Product(s)
     covered.

5.3  Enquiries: legal@intelligentactuaries.com.


────────────────────────────────────────────────────────────────────────
6.  ATTRIBUTION
────────────────────────────────────────────────────────────────────────

6.1  Every copy of the Software, in source or binary form, shall
     include a clearly visible attribution to "Scelo IDE, Intelligent
     Actuaries (Pty) Ltd" together with a URL pointing to the
     Licensor's public repository (currently
     https://github.com/intelligentactuaries/intelligentactuaries).

6.2  Derivative works shall further include a notice identifying the
     changes made and the date thereof, and shall not represent
     themselves as the unmodified Scelo IDE.


────────────────────────────────────────────────────────────────────────
7.  PROHIBITED ACTS
────────────────────────────────────────────────────────────────────────

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

(a)  remove, obscure, or alter any copyright, attribution, or
     licensing notice in the Software;

(b)  represent that the Software, or any derivative thereof, is
     endorsed or certified by the Licensor unless a separate written
     agreement says so;

(c)  use the Software in a manner that violates applicable law,
     regulatory requirements, or third-party rights;

(d)  use the Software to design, train, evaluate, or deploy any system
     intended to cause physical or psychological harm, or to evade
     consumer-protection, anti-discrimination, or actuarial-
     soundness requirements that would otherwise apply to a regulated
     product;

(e)  reverse-engineer or circumvent any technical protection measure
     embedded in the Software, except to the extent applicable law
     expressly prohibits such restriction;

(f)  misrepresent the Gross Revenue of any Licensed Product, the
     identity or scope of Your Affiliates, the boundaries between
     Licensed Products, the Eligible Nanoeconomics Use claimed, the
     contents of an Annual Report or royalty report, or any other
     fact material to Your rights or obligations under this License;
     or

(g)  structure Your operations, Your contractual relationships, Your
     product packaging, or Your reporting practices for the purpose
     of avoiding the Revenue Threshold, depressing reported per-
     Product Gross Revenue, fragmenting one functional Licensed
     Product into multiple nominal ones, or otherwise defeating the
     royalty mechanic in Section 4 or the conditions in Section 3.


────────────────────────────────────────────────────────────────────────
8.  ABUSE — REMEDIES AND BACK-CHARGE
────────────────────────────────────────────────────────────────────────

8.1  If You materially breach this License, including without
     limitation by failing to pay royalties due under Section 4, by
     failing to submit a royalty report by its deadline, by claiming
     Eligible Nanoeconomics Use without meeting its conditions, or by
     committing any act in Section 7, this License terminates
     automatically and without notice with respect to the Licensed
     Product(s) in breach.

8.2  Upon termination under Section 8.1, in addition to any cessation
     of use that follows from termination, You shall pay to the
     Licensor the unpaid royalties due under Section 4 in respect of
     the Licensed Product(s) in breach, computed retroactively from
     the date the Licensed Product first crossed the Revenue
     Threshold (or, in cases involving misrepresentation, from the
     date the misrepresentation began), together with compound
     interest at the prevailing prime lending rate published by the
     South African Reserve Bank plus three percentage points,
     accruing from the date each unpaid royalty fell due.

     You shall additionally pay the Licensor's reasonable legal
     costs, including attorneys' fees and disbursements, incurred in
     connection with detecting, documenting, and enforcing the
     breach.

8.3  The remedies in Section 8.2 are cumulative with any other remedy
     available to the Licensor at law or in equity, including
     injunctive relief and damages for misrepresentation. Nothing in
     this License limits the Licensor's right to seek specific
     performance, to seek criminal sanctions where applicable
     (including for fraud, theft, or misrepresentation under the laws
     of the Republic of South Africa), or to publish the fact of the
     breach.

8.4  Inadvertent or de minimis breaches, including a late royalty
     report, a clerical error in revenue reporting, a late Nanoeconomics
     Annual Report, or a good-faith misunderstanding of these terms,
     may, at the Licensor's sole discretion, be cured by the breaching
     party within thirty (30) days of written notice from the Licensor,
     in which case Sections 8.1 and 8.2 do not apply.


────────────────────────────────────────────────────────────────────────
9.  INBOUND = OUTBOUND (CONTRIBUTOR TERMS)
────────────────────────────────────────────────────────────────────────

By submitting any contribution to the Software (whether by pull
request, patch, issue attachment, or otherwise), You agree that the
contribution is licensed to the Licensor and to all subsequent
licensees under this License. You grant the Licensor a perpetual,
worldwide, non-exclusive, royalty-free, irrevocable license to
reproduce, prepare derivative works of, sublicense (including under a
Commercial License), publicly display, publicly perform, and
distribute the contribution. You represent that You have the legal
right to make the contribution under these terms.


────────────────────────────────────────────────────────────────────────
10. DISCLAIMER OF WARRANTY
────────────────────────────────────────────────────────────────────────

THE SOFTWARE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY
OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY
WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE,
NON-INFRINGEMENT, ACCURACY, OR ABSENCE OF ERRORS. WITHOUT LIMITING THE
GENERALITY OF THE FOREGOING, THE LICENSOR DOES NOT WARRANT THAT THE
SOFTWARE WILL MEET YOUR REQUIREMENTS, THAT ITS OPERATION WILL BE
UNINTERRUPTED OR ERROR-FREE, OR THAT ANY OUTPUT IT PRODUCES WILL BE
ACTUARIALLY SOUND, REGULATORILY COMPLIANT, OR FIT FOR ANY PARTICULAR
DECISION. You assume the entire risk arising out of Your use of the
Software.


────────────────────────────────────────────────────────────────────────
11. LIMITATION OF LIABILITY
────────────────────────────────────────────────────────────────────────

11.1 To the maximum extent permitted by applicable law, the Licensor
     shall not be liable for any indirect, incidental, special,
     consequential, exemplary, or punitive damages, or for any loss
     of profits, revenue, data, business, goodwill, or use, arising
     out of or in connection with this License or the Software,
     regardless of the cause of action and regardless of whether the
     Licensor has been advised of the possibility of such damages.

11.2 The Licensor's aggregate liability arising out of or in
     connection with this License shall not exceed the greater of
     (i) the royalties actually paid by You to the Licensor under
     Section 4, or the amounts actually paid by You to the Licensor
     under any applicable Commercial License, during the twelve (12)
     months preceding the event giving rise to the claim, or
     (ii) one thousand South African Rand (ZAR 1,000.00), or its
     equivalent in any other currency at the spot rate referenced in
     Section 1.5 on the date the claim arises.

11.3 Nothing in this License excludes or limits liability to the
     extent that exclusion or limitation is prohibited by applicable
     law (including liability for gross negligence, wilful misconduct,
     or death or personal injury caused by negligence).


────────────────────────────────────────────────────────────────────────
12. INDEMNIFICATION
────────────────────────────────────────────────────────────────────────

You shall indemnify, defend, and hold harmless the Licensor and its
officers, directors, employees, and contractors from and against any
and all third-party claims, liabilities, losses, damages, and expenses
(including reasonable attorneys' fees) arising out of or relating to
(a) Your use of the Software, (b) Your breach of this License,
(c) Your violation of any law or regulation, or (d) Your infringement
of any third-party right.


────────────────────────────────────────────────────────────────────────
13. GOVERNING LAW AND DISPUTE RESOLUTION
────────────────────────────────────────────────────────────────────────

13.1 Governing Law. This License is governed by and construed in
     accordance with the laws of the Republic of South Africa, without
     regard to its conflict-of-laws principles. The choice of South
     African law is administrative: the Licensor is incorporated
     there. It is not intended to and does not restrict the global
     scope of the rights granted in Sections 2 and 3, which are
     available to any person worldwide on identical terms.

13.2 International Arbitration (default). Any dispute, controversy,
     or claim arising out of or in connection with this License shall
     be finally resolved by arbitration under the Rules of Arbitration
     of the International Chamber of Commerce (ICC) by one or more
     arbitrators appointed in accordance with those Rules. The seat
     of arbitration shall be Johannesburg, South Africa, unless the
     parties agree in writing on another seat. The language of the
     arbitration shall be English. The arbitral award shall be final
     and binding on the parties and may be enforced in any court of
     competent jurisdiction.

13.3 Small-Claims Carve-Out. Notwithstanding Section 13.2, either
     party may bring an action in the small-claims (or equivalent
     lowest-jurisdiction) court of the defending party's principal
     place of business for matters within that court's monetary and
     subject-matter jurisdiction.

13.4 Licensor's IP-Enforcement Carve-Out. Notwithstanding the
     foregoing, the Licensor may, at its sole election, bring
     proceedings in any court of competent jurisdiction anywhere in
     the world to (i) enforce its intellectual-property rights,
     (ii) obtain interim or injunctive relief, or (iii) pursue
     remedies for breaches of Sections 7 (Prohibited Acts) or 8
     (Abuse). For these purposes, "court of competent jurisdiction"
     includes the courts of the country in which You reside, are
     domiciled, do business, host infringing copies of the Software,
     or hold assets.

13.5 Recognition of Awards. The parties acknowledge and rely on the
     Convention on the Recognition and Enforcement of Foreign
     Arbitral Awards (New York, 1958) for the cross-border
     enforcement of any arbitral award rendered under Section 13.2.

13.6 No Forum Selection Against Consumers. Where applicable consumer-
     protection law (in any jurisdiction) grants a natural-person
     user the right to bring proceedings in the courts of that user's
     country of residence, nothing in this Section restricts that
     right.


────────────────────────────────────────────────────────────────────────
14. MISCELLANEOUS
────────────────────────────────────────────────────────────────────────

14.1 Severability. If any provision of this License is held invalid
     or unenforceable, the remaining provisions remain in full force
     and effect, and the invalid provision shall be replaced with a
     valid one that most closely approximates the original intent.

14.2 No Waiver. No failure or delay by the Licensor in exercising any
     right under this License shall operate as a waiver of that right.

14.3 Entire Agreement. This License, together with any Commercial
     License agreed in writing between the parties, constitutes the
     entire agreement between the parties with respect to the
     Software and supersedes all prior or contemporaneous
     communications and proposals with respect to its subject matter.

14.4 Amendment. The Licensor may publish revised versions of this
     License from time to time. New downloads or installations of the
     Software shall be governed by the version in effect at the time
     of acquisition. Existing licensees may continue to operate under
     the version in effect at the time they first accepted these
     terms, or migrate to the current version at their election.

14.5 Notices. All notices to the Licensor under this License shall be
     sent to legal@intelligentactuaries.com, with a courtesy copy to
     scelo@intelligentactuaries.com. Notices are effective upon
     transmission and a confirmation read-receipt or acknowledgement.

14.6 Assignment. You may not assign or transfer this License or any
     rights or obligations under it without the Licensor's prior
     written consent. The Licensor may assign this License freely.

14.7 Language. The English-language version of this License is the
     controlling version. Translations into other languages may be
     made available for convenience, but in the event of any conflict
     the English version shall prevail.

14.8 Partial Enforceability by Jurisdiction. If a court or arbitral
     tribunal of competent jurisdiction holds that any provision of
     this License is unenforceable in that jurisdiction, Your rights
     in that jurisdiction shall continue to the maximum extent
     permitted by local law, and the unenforceability shall not
     affect Your rights or the Licensor's rights in any other
     jurisdiction.


────────────────────────────────────────────────────────────────────────
15. CONTACT
────────────────────────────────────────────────────────────────────────

  Commercial enquiries          legal@intelligentactuaries.com
  Royalty reports & payment     legal@intelligentactuaries.com
  General Scelo enquiries       scelo@intelligentactuaries.com
  Nanoeconomics carve-out       nanoeconomics@scelo.ai
                                scelo@intelligentactuaries.com
  Public surfaces               https://intelligentactuaries.com
                                https://github.com/intelligentactuaries
                                https://huggingface.co/intelligentactuaries

────────────────────────────────────────────────────────────────────────
END OF LICENSE
────────────────────────────────────────────────────────────────────────
