Dated: 24 February 2026

These Terms of Service (the "Agreement" or the “Terms”) explain the terms and conditions by which you (“You”, “Yours” or “User”) may access and use the interfaces, which are developed and maintained by us, Polar Express Limited (referred to herein as the "Company", "we", "our", or "us") (the “Interfaces”). The Interfaces enable Users to interact with the Protocol (as defined below) and any third party platforms, not owned by the Company. The Interfaces shall include, but shall not necessarily be limited to, https://near.com/ https://near-intents.org/ a.k.a. “near-intents” https://solswap.org/ a.k.a. “solswap” https://dogecoinswap.org/ a.k.a. "Dogecoinswap", https://turboswap.org/ a.k.a. "Turboswap", https://trump-swap.org/ a.k.a. "Trumpswap", and the website-hosted user interfaces (and all features available via the Interfaces). The Interfaces provide access to the Protocol, which is not controlled or operated by the Company.

You must read this Agreement carefully as it governs Your use of the Interfaces. By accessing or using any of the Interfaces, You signify that You have read, understand, and agree to be bound by this Agreement in its entirety and to the Privacy Policy (as defined in clause 11.5). If You do not agree, You are not authorized to access or use any of the Interfaces and should not use the Interfaces.

For purposes of this Agreement, the following terms have the meanings set forth below:

1. Definitions

“1Click Service” or “1CS”: A separate integration and service that facilitates simplified routing to the Protocol for certain Intents and Confidential Intents and may interact with Third-Party bridges, known as “1Click Service”, “1Click Swap” or “1CS”. 1CS is not part of the Interfaces and is not operated by the Company. Further details can be found at: https://docs.near-intents.org/near-intents/integration/distribution-channels/1click-api.

“Chain Signatures”: A cryptographic mechanism allowing NEAR accounts and contracts to sign transactions on and across multiple external blockchains by leveraging the MPC network.

“Cross-Chain Settlement”: The process of finalizing Intent execution across multiple blockchains.

“Confidential Intent”: An Intent submitted, matched, or executed via the Confidential Intents Protocol, such that its parameters are not publicly visible on-chain prior to settlement. Confidential Intents are processed on the NEAR Private Shard by Validator Nodes and are subject to clause 2.2.

“Confidential Intents Protocol” the smart contract/protocol deployed on NEAR Private Shard which enables users to post, match, and settle Confidential Intents, to be executed by the Solver Network. The Confidential Intents Protocol does not include any frontends (including, without limitation, the Interfaces), bridges (including any of the Bridges), the 1Click Service, or any other integrations, which are components operated by third parties.

“Fiat Onramp” / “Fiat Offramp”: Services provided independently by third parties that are unaffiliated with and not controlled by the Company. These services enable users to convert fiat currency to digital assets (Fiat Onramp) or digital assets to fiat currency (Fiat Offramp). Such third-party providers are solely responsible for user identification and KYC/KYB verification, receipt and custody of fiat funds, fiat-to-digital-asset conversion (Fiat Onramp), digital-asset-to-fiat conversion (Fiat Offramp), and compliance with applicable financial services laws and regulations in connection with the fiat leg of any transaction.

“HOT Bridge”: A cross-chain bridge enabling asset transfers between NEAR Protocol and other blockchains, leveraging Chain Signatures, known as the “HOT Bridge”, further details of which are available at https://docs.hotdao.ai/white-paper/hot-bridge.

“Intent”: A User’s declarative instruction, expressed in a standardized format recognized by the Protocol, that specifies the desired outcome of a transaction or series of transactions without prescribing the method of execution. An Intent may include parameters such as asset type, quantity, timing, or other conditions, and is designed to be fulfilled by one or more Solvers through on-chain settlement.

“Intents Protocol” the smart contract/protocol deployed on NEAR Protocol which enables users to post, match, and settle Intents, to be executed by the Solver Network. The Intents Protocol does not include any frontends (including, without limitation, the Interfaces), bridges (including any of the Bridges), the 1Click Service, or any other integrations, which are components operated by third parties.

“Interface Fee” as defined in clause 2.2.

“IP Owner(s)” means the respective rights holders in the Interfaces and their proprietary elements, including, but not limited to, software, text, images, trademarks, service marks, copyrights, patents, and designs, other than open-source components.

"Liquidity Provider": An individual or legal entity that supplies digital assets to decentralized protocols to facilitate trading, swapping, or other financial operations, and may receive fees or rewards in return.

“MPC Network” means the distributed network of participants that collectively generate threshold signatures through multi-party computation in respect of Chain Signatures. Each participant holds a share of a private key, and a threshold of participants must collaborate to produce a valid signature. The MPC Network is operated by third parties and is not owned, controlled, or operated by the Company.

“NEAR”: The sharded, proof-of-stake, layer one blockchain, known as “NEAR Protocol”.

“NEAR Private Shard”: the blockchain, being a fork of NEAR, which operates to provide a restricted-visibility execution environment for Confidential Intents, known as “NEAR Private Shard” (or such other name as may be designated from time to time).

“Omni Bridge”: A cross-chain bridge enabling asset transfers between NEAR Protocol and other blockchains, leveraging Chain Signatures, known as the “Omni Bridge”, further details of which are available at https://docs.near.org/chain-abstraction/omnibridge/overview.

“Private Shard Bridge”: The cross-chain proof of authority bridge enabling asset transfers between NEAR and NEAR Private Shard, the terms of service for which are available at https://docs.google.com/document/d/1ckaY2zxh44UjQYT8LtsjQ6PpcGb7gzVv/edit.

“PoA Bridge”: The cross-chain proof of authority bridge enabling asset transfers between NEAR Protocol and other blockchains, known as the “PoA Bridge” or “Proof of Authority Bridge”, the terms of service for which are available at https://docs.google.com/document/d/1ckaY2zxh44UjQYT8LtsjQ6PpcGb7gzVv/edit

"Protocol": together, the Intents Protocol and the Confidential Intents Protocol.

“P2P Swap”: A direct peer-to-peer exchange of digital assets between two users, matched and settled via the Protocol’s smart contracts without intermediation by a Solver, the Company, or any other centralised party.

“Real World Asset” or “RWA”: A digital token representing a claim on, or economic exposure to, an underlying off-chain asset (including, without limitation, equities, commodities, fixed-income instruments, or real estate), issued by an independent third-party RWA Issuer, not by the Company.

"Relayer": A service that broadcasts transactions to the blockchain networks on behalf of users, typically to optimize for gas costs or improve transaction success rates.

“RWA Issuer”: The third-party entity responsible for issuing, backing, administering, and redeeming a Real World Asset, including maintaining reserves, processing corporate actions, and meeting applicable regulatory requirements.

“Solver”: Any service, software agent, algorithmic or artificial intelligence–assisted system, or human-operated entity that, within the Solver Network and Protocol, receives an Intent and translates such Intent into one or more executable on-chain transactions. A Solver is responsible for determining the method of execution, including sourcing liquidity, routing, or composing multiple actions, and for submitting the resulting transaction(s) for settlement on the applicable blockchain. Solvers may operate autonomously or under human supervision and may be compensated or rewarded for successful fulfillment of such intent.

“Solver Bus API”: A communication layer connecting Solvers to the Protocol.

"Solver Network": The collective framework of independent Solvers, whether software-based, algorithmic, artificial intelligence–assisted systems, or human-operated entities that participate within the Protocol to receive, compete for, and fulfill Intents or Confidential Intents. The Solver Network functions as a marketplace of execution services, where Solvers may operate autonomously or under human supervision and are compensated or rewarded for the successful settlement of Intents or Confidential Intent on the applicable blockchain.

“Slippage": The difference between the displayed estimated price of a transaction and the actual price at which the transaction is executed. Slippage can occur due to market volatility, low liquidity, other market conditions, or delays in transaction processing.

“Third-Party Bridges” or “Bridges”: Collectively, the PoA Bridge, the Private Shard Bridge, the HOT Bridge, and the Omni Bridge, and any other bridges integrated with the Protocol and/or Interface from time to time. The Bridges are provided and operated by third parties and are not operated by the Company.

“Validator Node”: An independent third-party node operator participating in the NEAR Private Shard or other cryptographic infrastructure that processes or validates Confidential Intents. Validator Nodes are not owned, controlled, or operated by the Company.

“Yield-Bearing Asset”: A digital asset that generates or distributes yield, interest, rewards, or other returns (whether through staking, lending, liquidity provision, or real-world income), issued and managed by independent third parties, not by the Company.

2. The Interfaces

The main purpose of the Interface is to provide you with access to the Protocol. We only provide the interface and software but have no control over your blockchain interactions and do not endorse any specific actions. All the transactions occur on third-party blockchains (“Blockchain Networks”) that we do not own, control, or operate. We are not responsible for the services provided by third parties, the execution of the transactions, or any other actions of such third parties. We reserve the right to make changes to the Interface, including adding, modifying, or discontinuing products or features.

Products and Features. The Interface integrates the Protocol, which in turn integrates other protocols and offers you access to numerous liquidity sources across multiple chains. The Interface may include other products and/or features added for the purposes of user experience development and improvement, including those for the informational, security, and entertainment purposes, which are not intended to affect the main purpose of the Interface described above. We only provide you with access to the relevant interface and software and neither have control over your interactions with the blockchain or the Protocol nor do we encourage you to perform any. Any interaction performed by you via the Interface remains your sole responsibility.

The Interfaces may also provide access to: (i) the Confidential Intents Protocol, which utilises the NEAR Private Shard to execute Intents (Confidential Intents) confidentially; (ii) Real World Assets issued by third-party RWA Issuers; (iii) fiat-to-crypto and crypto-to-fiat conversion via integrated third-party Fiat Onramps and Fiat Offramps; (iv) Yield-Bearing Assets that generate returns through third-party protocols or instruments; (v) Peer-to-Peer Swaps between users and (vi) yield-generating opportunities, such as through an “Earn” or “1ClickEarn” feature. Each is subject to the additional terms in Clauses 2A through 2E.

The Interfaces are non-custodial tools that enable users to interact with the Protocol by providing web or mobile-based access. Through the Interfaces, users can declare desired outcomes (Intents) on various public blockchains, including but not limited to NEAR, Bitcoin, Ethereum, Arbitrum, Base, Solana. These Intents are broadcasted to the Solver Network that independently analyze and compete to execute the Intents through optimal pathways across supported blockchains.

The Interfaces are designed to simplify blockchain interactions by allowing users, services, or AI agents to declare high-level outcomes they wish to achieve, rather than specifying the technical steps required.

The Interfaces revolve around the concept of "intents," which are structured declarations containing key details such as the initiator's NEAR account ID, the type of intent (e.g., token swap, transfer), source assets and amounts, desired outcomes, unique identifiers for tracking, and optional constraints like deadlines or minimum outputs. These intents are broadcasted to a Solver Network, where Solvers analyze and compete to provide an execution plan. Once a user approves a Solver's quote, the Intent is executed via a smart contract on NEAR (intents.near) (being the Intents Protocol), which handles the transaction - including cross-chain operations if necessary - while ensuring state changes are verified and reported back to the originator. This abstraction streamlines complex blockchain processes into an intuitive and efficient user experience. The operation of the Confidential Intents Protocol is described in clause 2.2 below.

The Interfaces are distinct from the Protocol and are one, but not the exclusive, means of accessing the Protocol. The Company does not control or operate any version of the Protocol on any Blockchain Network. By using the Interfaces, you understand that you are not buying or selling digital assets from us and that we do not operate any liquidity pools on the Protocol or control trade execution on the Protocol. When users pay fees for trades, and/or any Slippage, those fees may accrue to Solvers, Liquidity Providers and Relayers for the Protocol. As a general matter, Solvers, Liquidity providers and Relayers are independent third parties. We may charge an Interface Fee (as described below in clause 2.2).

The Protocol is maintained via a multi-signature governance mechanism involving multiple independent participants. Participation in this governance does not create any duty or obligation to users. No individual participant can unilaterally upgrade or otherwise control the Protocol. The Company is not the operator of the Protocol.

As the Protocol is deployed on the NEAR and the NEAR Private Shard, it is integrated with the Third-Party Bridges to enable cross-chain functionality. The Third-Party Bridges facilitate asset transfers between NEAR and supported networks (including, by way of example, Bitcoin, Ethereum, Arbitrum, Base, Solana, the NEAR Private Shard, and others). This allows non-NEAR-native assets to be bridged onto NEAR for settlement by the Protocol, and assets to be withdrawn from NEAR to a non-NEAR destination chain post-settlement.

The Third-Party Bridges are integrated with, but are not part of, the Protocol. They are operated by independent third parties, not the Company. Your relationship with any Third-Party Bridge operator is governed by the applicable terms of service of that operator. We do not have custody or control over any Third-Party Bridge. You are solely responsible for evaluating and accepting the risks of using any Third-Party Bridge, including risks of software vulnerabilities, governance failures, hacks, or loss of assets.

In addition, the 1Click Service is a separate service that provides a simplified user experience for interacting with the Protocol. The 1Click Service handles routing of intents, bridging, and settlement steps in a streamlined fashion, abstracting away the technical steps from the user.

The 1Click Service is an integration with the Protocol but is not itself part of the Protocol or the Interfaces, and it is not operated by the Company. It is operated by third parties. Your use of the 1Click Service may be subject to its own terms of service and risks. We do not have custody or control over the 1Click Service. You are solely responsible for evaluating and accepting the risks of using the 1Click Service, including any risks of downtime, misconfiguration, or loss of assets.

To access the Interfaces, you must use a non-custodial wallet software, which allows you to interact with public blockchains. Your relationship with that non-custodial wallet provider is governed by the applicable terms of service of that wallet provider. We do not have custody or control over the contents of your wallet and have no ability to retrieve or transfer its contents. By connecting your wallet to the Interfaces, you agree to be bound by this Agreement and all of the terms incorporated herein by reference.

Solvers are independent actors, and Company does not:

(a) Guarantee optimal pricing or execution;

(b) Assess Solvers’ reliability or security;

(c) Insure against losses from Solver errors, collusion, or malicious acts.

The Solver Network includes AI-driven, algorithmic-driven and human-operated Solvers. AI Solvers may exhibit limitations including algorithmic biases, unpredictable behaviors under certain conditions, or optimization approaches that prioritize different factors than you might expect. The Company does not develop, control, or validate the decision-making processes of individual Solvers and assumes no responsibility for their performance or outcomes.

To the extent that you elect to conduct transactions in connection with the Interfaces, all transactions are conducted between you and the relevant third party (Solver Network) and the Company is not a party to them. The Company is not responsible for the quality, safety, accuracy, or any aspect of the transaction (regardless of whether such transaction is made available by the Interfaces) save where expressly indicated.

2.2 Fees

2.2.1 Interface Fee: In consideration for providing, operating, and improving the Interfaces, we may charge a fee on certain transactions routed through the Interfaces (the “Interface Fee”). The applicability, amount, or rate of any Interface Fee may vary depending on transaction type or other factors and may change from time to time at our discretion. The Interface Fee applies solely to use of the Interfaces and does not alter or affect execution of the Protocol. The applicable Interface Fee will be disclosed through the Interface at or before the time you authorise a transaction. You are solely responsible for paying any Interface Fee associated with your transactions. Interface Fees are generally non-refundable once a transaction is submitted and may not be refundable if a transaction fails, is reverted, or does not complete as expected, except where required by applicable law.

2.2.2 Protocol and Solver Fees: Transactions routed through Protocol may also be subject to additional protocol-level charges, including (i) solver incentives, (ii) protocol fees, (iii) liquidity pool or liquidity provider (LP) fees, (iv) 1Click Service fees, (v) fees for withdrawing or bridging out of Confidential Intents / the NEAR Private Shard, (vi) fees for accessing on-chain yield opportunities, such as through an “Earn” or “1ClickEarn” feature, and (vii) any other protocol-level or execution-related fees. These fees are not retained by us and form part of the protocol-driven execution costs.

2.2.3 Gas / Network Fees. All blockchain transactions require network transaction fees (e.g., “gas”) paid to the applicable network. You are solely responsible for gas and related network costs. Gas is set by the network and is non-refundable, including for transactions that fail or are reverted by the network or smart contract.

2.2.4 Slippage: Where the Interface presents a pre-transaction summary, it will show the estimated total amount payable or receivable, inclusive of all applicable Interface Fees, protocol fees, solver fees, and other execution-related fees, but exclusive of slippage. You acknowledge and agree that the final execution price may differ from the pre-transaction quote due to market conditions and slippage (whether higher or lower). You accept full responsibility for any slippage and acknowledge that neither we nor the Interface can guarantee execution at the quoted price.

2.2.5 Third-Party Fees: Your use of third-party services (aggregators, bridges, wallets, payment processors, custodians) may be subject to their separate fees, spreads, and terms. You are responsible for all such amounts; we do not control those fees.

2.2.6 Changes to Fees: We may change, add, discount, suspend, or waive the Interface Fee prospectively at any time. Where a pre-transaction summary is shown, changes will apply to transactions authorized after the change is effective; you will see the applicable Interface Fee at preview/confirmation. We may also run promotions (including zero-fee or reduced-fee offers) from time to time.

2.2.7 Taxes: You are solely responsible for determining and paying any taxes (including VAT/GST, sales, use, income, or similar) arising from your use of the Interfaces or any transactions you initiate.

2.2.8 No Fee-Avoidance: You agree not to circumvent, disable, or interfere with any fee-calculation, metering, or collection mechanism of the Interfaces (for example, by spoofing requests, replaying signatures, or using unauthorized tools to strip or divert the Interface Fee). We may limit, suspend, or terminate access for fee-avoidance or attempted evasion. Nothing in this clause restricts your ability to interact with the Protocol independently of the Interfaces.

2.2.9 Rounding and Minimums. For operational reasons, we may apply rounding to the nearest display unit supported by the relevant token or network and set minimum fee amounts; any such rules will be reflected in the quote or post-trade details where applicable. (This section does not affect your separate obligation to pay network gas.)

2.3 Confidential Intents

2.3.1 Nature of Protocol. The Interfaces may enable you to submit Confidential Intents. Use of Confidential Intents is optional and user-directed. Confidential Intents operate on a separate execution environment known as the NEAR Private Shard. The standard Intents Protocol runs on NEAR, a public blockchain, where transactions are publicly visible on-chain. When you elect to use Confidential Intents, assets are transferred from NEAR Protocol to the NEAR Private Shard via the Private Shard Bridge, and execution occurs on the NEAR Private Shard rather than on the public NEAR Protocol. Transactions processed on the NEAR Private Shard are not publicly viewable in the same manner as transactions on NEAR. However, they remain visible to the validator nodes operating the NEAR Private Shard and may be subject to compliance screening, lawful disclosure requirements, or protocol-level restrictions implemented in accordance with applicable law or governance processes. The Company does not own, operate, or control any of the Validator Nodes and does not determine validator participation in any specific transaction. The Company makes no representations regarding the reliability, uptime, security, or performance of any Validator Node. Confidential Intents may be subject to additional latency, execution constraints, liquidity limitations, or operational dependencies (including bridging dependencies) compared to standard Intents. The NEAR Private Shard is an experimental execution environment and may be modified, restricted, suspended, or discontinued at any time without notice.

2.3.2 No Guarantee of Confidentiality. THE COMPANY MAKES NO WARRANTY THAT THE CONFIDENTIAL INTENTS PROTOCOL WILL PROVIDE COMPLETE OR UNINTERRUPTED CONFIDENTIALITY. Confidentiality depends on technical assumptions and the correct operation of Validator Nodes, and may be compromised by advances in cryptography, node failures or collusion, software vulnerabilities, on-chain settlement analysis, regulatory disclosure requirements, or other factors outside the Company’s control.

2.3.3 Validator Node Risks. Validator Nodes are third-party operators. The Company does not select, vet, supervise, or control them; makes no representations regarding their legal compliance, operational security, or solvency; bears no responsibility for any loss arising from their acts or omissions (including collusion, downtime, disclosure, or key compromise); and has no obligation to monitor or audit their operations.

2.3.4 Bridging Risks. Transfers between NEAR and the NEAR Private Shard via the Private Shard Bridge may be subject to delays, failures, or technical errors. The Company makes no guarantee that assets transferred into or out of the NEAR Private Shard will settle within any particular timeframe or without interruption.

2.3.5 Market Risks. The Company does not guarantee the absence of Maximal Extractable Value (MEV), frontrunning, or other adverse trading dynamics. Execution outcomes may vary based on network conditions, validator behavior, or other external factors.

2.3.6 Compliance and Screening. You are solely responsible for determining whether submitting or receiving Confidential Intents is lawful in your jurisdiction. Certain jurisdictions may restrict privacy-enhancing or restricted-visibility financial transactions. Confidential Intents and the Confidential Intents Protocol remain subject to applicable transaction screening, sanctions compliance, and KYT controls; confidential execution does not exempt transactions from legal requirements. Nothing in these Terms constitutes legal, regulatory, or compliance advice.

2.3.7 Modification. The Confidential Intents Protocol may be modified, restricted, or suspended at any time due to regulatory, security, or operational considerations.

2.4 Real World Assets (RWAs)

2.4.1 Third-Party Issuance. The Interfaces may provide access to Real World Assets issued, structured, backed, and administered by independent third-party RWA Issuers. The Company does not issue, back, guarantee, underwrite, or sponsor any RWA, and does not verify or audit any RWA Issuer’s asset backing, reserves, collateralisation, or redemption mechanisms. The Company does not act as a broker, dealer, investment adviser, custodian, or distributor of any RWA. The Company’s role is limited to providing technical access to on-chain interfaces and routing functionality.

2.4.2 Regulatory Classification. RWAs may be classified as securities, asset-referenced tokens, derivatives, or other regulated instruments in one or more jurisdictions. You are solely responsible for determining the regulatory treatment of any RWA in your jurisdiction before transacting. The Company makes no representation that any RWA is lawfully available in your jurisdiction. Access to an RWA through the Interfaces does not constitute an offer, solicitation, or distribution by the Company in any jurisdiction. Nothing in the Interfaces constitutes an offer, public offering, financial promotion, invitation to participate in an investment, or arrangement of transactions by the Company.

2.4.3 Issuer Risk. The value, redeemability, and liquidity of any RWA depends entirely on the RWA Issuer’s solvency and operational integrity. The RWA Issuer may become insolvent, face regulatory enforcement, or fail to honour its obligations. The RWA Issuer may freeze, claw back, blacklist, or restrict transfer of RWA tokens – including tokens in your wallet – without notice to the Company. Certain RWAs may be subject to transfer restrictions, eligibility requirements, or compliance controls that are enforced by the RWA Issuer on-chain or off-chain. The Company does not guarantee that such restrictions will be visible through the Interfaces prior to a transaction or that any transfer will remain valid following execution. The Company has no ability to intervene in any issuer-level action and, in the event of issuer insolvency, your recourse (if any) is against the RWA Issuer, not the Company. The Company does not guarantee that any redemption right will be honoured or that underlying reserves are sufficient.

2.4.4 Corporate Actions and Endorsement. Dividends, stock splits, mergers, tax withholding, delisting, and other corporate actions are administered by the RWA Issuer; the Company does not process or guarantee any corporate action. The availability of any RWA through the Interfaces does not constitute a recommendation, endorsement, solicitation, or investment advice of any kind. Certain RWAs may be subject to jurisdictional restrictions (including accredited investor requirements or transfer restrictions) imposed by the RWA Issuer, and the Interfaces may restrict access accordingly. You are solely responsible for compliance. Nothing in these Terms constitutes financial, legal, tax, or investment advice. The Company reserves the right, in its sole discretion, to suspend, restrict, remove, or de-prioritise any RWA from the Interfaces at any time without prior notice due to legal, regulatory, compliance, risk, or operational considerations.

2.5 Fiat Onramps and Offramps

2.5.1 Third-Party Services. The Interfaces may facilitate access to fiat-to-crypto and crypto-to-fiat conversion via independent third-party Fiat Onramps and Fiat Offramps. All fiat conversion, fiat custody, identity verification (KYC/KYB), and regulatory compliance for fiat transactions are performed solely by the relevant third-party provider, not by the Company. The Company does not handle, hold, transmit, or access fiat funds at any point in connection with fiat conversion and does not act as a money transmitter, payment service provider, broker, or financial intermediary with respect to fiat services provided by third parties. Your relationship with any Fiat Onramp or Fiat Offramp is governed by that third-party provider’s own terms of service and applicable regulatory requirements. The Company does not endorse, recommend, or guarantee any Fiat Onramp or Fiat Offramp. Integration does not imply approval, sponsorship, or regulatory status validation.

2.5.2 Separation of Fiat and Crypto Legs. Where the Interfaces present a fiat-to-crypto or crypto-to-fiat flow as a single experience, the transaction comprises two distinct legs: (a) a fiat leg, performed entirely by the third-party provider; and (b) a crypto leg, routed through the Protocol for on-chain execution and settlement. The Company’s role is limited to the crypto leg and the Company has no visibility into, control over, or responsibility for the fiat leg beyond routing instructions initiated by the user.

2.5.3 Fiat-Side Risks and Disclaimers. The Company disclaims all liability in connection with: delays, failures, reversals, chargebacks, or freezes of fiat transactions; fiat pricing, exchange rates, or fees charged by the provider; account restrictions or closures imposed by the provider or any banking institution; and any regulatory action taken against or by the provider. Fiat Onramps and Fiat Offramps may impose transfer limits, redemption conditions, enhanced due diligence requirements, transaction monitoring, or account-level restrictions at their discretion or as required by law. Fiat services may not be available in all jurisdictions or to all users; availability depends on the provider’s eligibility requirements, geographic coverage, and supported currencies. The Company does not represent that any fiat flow complies with foreign exchange controls, capital controls, or payment licensing requirements in any jurisdiction. You are solely responsible for determining whether your use of any Fiat Onramp or Fiat Offramp complies with applicable foreign exchange, money transmission, tax reporting, and anti-money laundering requirements.

2.5.4 No Agency or Joint Activity. Nothing in the Interfaces or these Terms creates a partnership, joint venture, agency, or other joint activity between the Company and any Fiat Onramp or Fiat Offramp. The Company does not act on behalf of, or under the direction of, any fiat service provider, and fiat providers do not act on behalf of the Company.

2.6 Yield-Bearing Assets

2.6.1 Third-Party Products. The Interfaces may provide access to Yield-Bearing Assets, including tokens that generate yield through staking, lending, liquidity provision, or real-world income. All Yield-Bearing Assets are created, issued, and managed by independent third parties. The Company does not issue, manage, guarantee, or underwrite any Yield-Bearing Asset or the yield generated thereby, and does not operate any staking, lending, or yield-generation protocol. The availability of a Yield-Bearing Asset through the Interfaces does not constitute a recommendation, endorsement, or representation regarding its suitability, safety, or regulatory status. Yield-Bearing Assets may rely on complex strategies, underlying assets, derivatives, or off-chain arrangements. The Company does not verify or audit the structure or backing of such arrangements. The Company does not owe any fiduciary or advisory duty in connection with any yield-generating feature.

2.6.2 No Guarantee of Yield. THE COMPANY MAKES NO WARRANTY OR GUARANTEE REGARDING THE RATE, AMOUNT, TIMING, OR CONTINUITY OF ANY YIELD; THE PRESERVATION OF PRINCIPAL; THE SOLVENCY OR COMPLIANCE OF ANY THIRD-PARTY YIELD PROVIDER; OR THE ACCURACY OF ANY DISPLAYED YIELD RATES, WHICH ARE FOR INFORMATIONAL PURPOSES ONLY AND MAY DIFFER MATERIALLY FROM ACTUAL RESULTS. DISPLAYED YIELD RATES MAY BE VARIABLE, ESTIMATED, PROJECTED, OR BASED ON HISTORICAL DATA AND MAY NOT REFLECT CURRENT OR FUTURE PERFORMANCE.

2.6.3 Yield Risks. You acknowledge the following risks: (a) smart contract risk — yield mechanisms may contain bugs or vulnerabilities resulting in loss of assets; (b) protocol risk — the underlying protocol may be modified, paused, exploited, or become insolvent; (c) regulatory risk — Yield-Bearing Assets may be classified as securities, collective investment schemes, or deposit products in certain jurisdictions; (d) slashing and lock-up risk — assets may be subject to penalties or withdrawal delays; (e) impermanent loss — where yield involves liquidity provision, asset values may decline relative to holding; (f) counterparty risk — where yield depends on off-chain income, it depends entirely on the obligor’s ability to pay; (g) liquidity and redemption risk — withdrawal, redemption, or exit may be restricted, delayed, suspended, or subject to conditions imposed by the underlying protocol or issuer; and (h) platform risk — the Company may remove, restrict, or de-prioritise access to any Yield-Bearing Asset at any time due to regulatory, security, commercial, or operational considerations. The display of yield rates or related information does not constitute investment advice, financial promotion, or an endorsement. Past performance does not guarantee future results.

2.6.4 Platform Discretion. The Company may suspend, restrict, remove, or limit access to any Yield-Bearing Asset at any time without prior notice, including where the Company determines that legal, regulatory, security, liquidity, or risk considerations warrant such action. The Company is under no obligation to continue supporting any Yield-Bearing Asset.

2.7 Peer-to-Peer (P2P) Swaps

2.7.1 Nature of P2P Swaps. The Interfaces may enable P2P Swaps — direct exchanges of digital assets between users, matched and settled via the Protocol’s smart contracts. The Company does not act as counterparty, intermediary, escrow agent, broker, dealer, agent, or market-maker in any P2P Swap, and does not match, recommend, or curate counterparties. Where the Interfaces generate or share a swap link or structured transaction, such functionality is automated and user-initiated; the Company does not negotiate, structure, or advise on the terms of any P2P Swap.

2.7.2 Counterparty Risk and Settlement Finality. You bear all risk arising from your counterparty’s actions or inactions. The Company does not verify or screen counterparties (beyond certain KYT or sanctions screening applied at applicable ingress or egress points), does not guarantee fulfilment, and bears no responsibility for loss from counterparty fraud, default, insolvency, misrepresentation, or failure to deliver assets. P2P Swaps settled on-chain are final and irreversible; the Company cannot reverse, cancel, unwind, or modify any settled P2P Swap. The Company does not guarantee the availability, enforceability, or continued functionality of any smart contract used to facilitate a P2P Swap.

2.7.3 Compliance and Pricing. You are solely responsible for determining whether entering into a P2P Swap is lawful in your jurisdiction, including compliance with applicable securities laws, commodities laws, derivatives regulations, money transmission regulations, tax reporting obligations, sanctions restrictions, and any licensing requirements. The Company does not provide pricing, quotes, price discovery, investment advice, or recommendations in connection with P2P Swaps; any pricing displayed is indicative only and derived from third-party sources or user-submitted parameters. Nothing in the Interfaces constitutes an offer, solicitation, or distribution of any financial instrument by the Company.

2.8 Yield Access (including “Earn” or 1ClickEarn”)

2.8.1 Nature of Feature. The Interfaces may enable access to yield-generating opportunities through a feature currently referred to as “Earn” or “1ClickEarn” (or any successor name or similar functionality). This feature provides technical access to third-party on-chain protocols, smart contracts, or financial arrangements that may generate returns through staking, lending, liquidity provision, validator participation, or other mechanisms. The Company does not create, manage, operate, guarantee, or underwrite any yield-generating protocol or opportunity, and does not provide investment advice, recommendations, or endorsements. All yield mechanisms are implemented and administered by independent third parties. The Company’s role is limited to providing user interface access and routing functionality, and does not include discretionary management, or investment decision-making on your behalf.

2.8.2 No Guarantee of Yield. THE COMPANY MAKES NO WARRANTY OR GUARANTEE REGARDING (A) THE RATE, AMOUNT, TIMING, OR CONTINUITY OF ANY YIELD; (B) THE PRESERVATION OR RETURN OF PRINCIPAL; (C) THE SOLVENCY, PERFORMANCE, OR COMPLIANCE OF ANY THIRD-PARTY PROTOCOL OR COUNTERPARTY; (D) THE ACCURACY OF DISPLAYED YIELD RATES OR PROJECTIONS, WHICH ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND MAY BE ESTIMATED, VARIABLE, OR SUBJECT TO CHANGE WITHOUT NOTICE; OR (E) THE ABILITY TO WITHDRAW ASSETS AT ANY PARTICULAR TIME. YIELD RATES MAY FLUCTUATE, DECREASE TO ZERO, OR BECOME NEGATIVE, AND PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS.

2.8.3 Yield Risks. Participation in yield-generating opportunities involves significant risks, including but not limited to (a) smart contract bugs, exploits, or vulnerabilities; (b) protocol failure, pause, governance intervention, or insolvency; (c) slashing penalties or validator misconduct; (d) lock-up periods or withdrawal delays; (e) impermanent loss in liquidity-based strategies; (f) oracle or pricing failures; (g) changes to reward schedules or protocol parameters; (h) regulatory intervention; and (i) total loss of assets. The Company has no control over and assumes no responsibility for the operation, security, governance, or financial condition of any third-party protocol or any actions taken by such protocol, including modification, suspension, or termination of yield mechanisms.

2.8.4 Regulatory Risk. Yield-bearing assets or protocols may be classified in certain jurisdictions as securities, collective investment schemes, deposit products, derivatives, or other regulated financial instruments. The Company makes no representation that any yield opportunity is lawfully available in your jurisdiction. You are solely responsible for determining the regulatory treatment and suitability of your participation and for ensuring compliance with any applicable licensing, registration, tax, or reporting obligations.

2.8.5 Modification and Availability. Access to this feature, including “Earn” or “1ClickEarn” or any successor yield functionality, may be modified, restricted, or discontinued at any time due to security, liquidity, operational, or regulatory considerations without prior notice.

2.9 Third Party Services and Content

When you use any of the Interfaces, you may also be using the interfaces, services or content of one or more third parties. Your use of such third party interfaces, services or content may be subject to separate policies, terms of use and fees of these third parties, and you agree to abide by and be responsible for such policies, terms of use and fees, as applicable.

2.10 Other Interfaces

We may from time to time in the future offer additional Interfaces or products, and such additional Interfaces shall be considered a product as used herein, regardless of whether such product is specifically defined in this Agreement.

3. Eligibility

Our Interface is NOT offered to persons or entities who reside in, are citizens of, are incorporated in, or have a registered office in any Prohibited Localities, namely Restricted Persons, as defined below. We do not make exceptions. If you are a Restricted Person, then do not attempt to access or use the Interface. Use of a virtual private network (e.g., a VPN) or other means by Restricted Persons to access or use the Interface is prohibited. If you use the Interface you state that you (a) are at least 18; (b) are not acting in contravention of the laws of your jurisdiction by using the Interface; (c) are not located, established or registered in any of the jurisdictions enlisted below titled “Prohibited Localities”, and (d) are not a “Restricted Person” as defined below.

General. You may not use the Interface if you are otherwise barred from using the Interface under applicable law.

Legality. You are solely responsible for adhering to all laws and regulations applicable to you and your use or access to the Interface. You shall not use the Interface in any manner that would violate or facilitate the violation of any applicable laws or regulations, or contribute to or facilitate any illegal activity.

By using or accessing the Interface, you represent to us that you are not subject to the Sanction Lists and you are not a Restricted Person, as defined below.

“Sanction Lists” means any sanctions designations listed on economic/trade embargo lists and/or specially designated persons/blocked persons lists published by the international organisations, as well as any state and governmental authorities of any jurisdiction, including, but not limited to the lists of United Nations, European Union and its Member States, United States and United Kingdom sanctions lists.

We make no representations or warranties that the information, products, or services provided through our Interface, are appropriate for access or use in other jurisdictions. You are not permitted to access or use our Interface in any jurisdiction or country if it would be contrary to the law or regulation of that jurisdiction or if it would subject us to the laws of, or any registration requirement with, such jurisdiction.

We reserve the right to limit the availability of our Interface to any person, geographic area, or jurisdiction, at any time and at our sole and absolute discretion.

Prohibited Localities. We do not interact with digital wallets or users located in, established in, or a resident of Afghanistan, Belarus, Central African Republic, Cuba, Democratic Republic of Congo, Guinea-Bissau, Haiti, Iran, Libya, Mali, Myanmar (Burma), Nicaragua, North Korea (DPRK), Russia, the Crimea, Donetsk, Luhansk, Zaporizhzhia, and Kherson regions of Ukraine, Somalia, South Sudan, Sudan, Syria, Venezuela (including certain Specifically Designated Nationals connected with the Maduro regime), Yemen, or Zimbabwe or any other state, country or region that is included in the Sanction Lists.

You must not use any software or networking techniques, including use of a Virtual Private Network (VPN) to modify your internet protocol address or otherwise circumvent or attempt to circumvent this prohibition.

Restricted Persons. We do not interact with digital wallets or users, which have been previously classified or otherwise identified by international organizations or any state and governmental authorities of any jurisdiction, as belonging or affiliated with the persons specially designated or otherwise included in the Sanction Lists (“Restricted Persons”). For the purposes of these Terms, Restricted Persons shall also include all persons or entities who reside in, are citizens of, are incorporated in, or have a registered office in the Prohibited Localities.

Third-Party Restrictions. As mentioned above, our Interface may include the third-party services. Your interaction with and use of the third-party services is governed by the respective terms and conditions of the third-party providers, including but not limited to their eligibility requirements, restrictions on certain localities, restricted persons or any other eligibility-related terms. As a result, based on those terms set by the third-party providers, your access to certain products and/or features of the Interface may be restricted by those providers. Please note that we only facilitate your interaction with these third-party services and we bear no liability for any such restrictions thereof. It is your own responsibility to review those terms and conditions, and ensure that you meet the requirements set forth therein.

Non-Circumvention. You agree not to access the Interface using any technology for the purposes of circumventing these Terms.

4. Modifications of this Agreement or the Interfaces

4.1 Modifications of this Agreement

We reserve the right, in our sole discretion, to modify this Agreement from time to time. If we make any material modifications, we will notify you by updating the date at the top of the Agreement and by maintaining a current version of the Agreement at the website.

All modifications will be effective when they are posted, and your continued accessing or use of any of the Interfaces will serve as confirmation of your acceptance of those modifications. If you do not agree with any modifications to this Agreement, you must immediately stop accessing and using all of the Interfaces.

4.2 Modifications of the Interfaces

We reserve the following rights, which do not constitute obligations of ours: (a) with or without notice to you, to modify, substitute, eliminate, restrict or add to any of the Interfaces; (b) to review, modify, filter, disable, delete and remove any and all content and information from any of the Interfaces; (c) to disable or modify access to the Interfaces at any time in the event of any breach of these Terms. You acknowledge. understand, and agree that, from time to time, the Interfaces may be inaccessible or inoperable for any reason, including: (a) equipment or technology or other infrastructure delay, inaccessibility, or malfunctions; (b) periodic maintenance procedures or repairs that Company or any of our suppliers or contractors may undertake from time to time; (c) causes beyond Company’s control or that Company could not reasonably foresee; (d) disruptions and temporary or permanent unavailability of underlying blockchain infrastructure; or (e) unavailability of third-party service providers or external partners for any reason.

Without limitation of any other provision of these Terms, and as set forth below, Company has no responsibility or liability for any losses or other injuries resulting from any such events.

The Protocol may undergo changes, updates, or modifications through technical upgrades, community governance decisions, or other processes outside the Company's control. Such changes could affect functionality, compatibility, or availability of features accessible through the Interfaces, and the Company provides no guarantee of continued compatibility between the Interfaces and all Protocol versions. You acknowledge that certain changes to the Protocol may require corresponding updates to the Interfaces or significantly alter the user experience, and accept this as an inherent risk of interacting with evolving blockchain technology.

5. Intellectual Property Rights

5.1 IP Rights Generally

As between you and us, the Interfaces and their proprietary elements, including, but not limited to, software, text, images, trademarks, service marks, copyrights, patents, and designs, other than open-source components, are owned by our licensors and are licensed to us. Accessing or using our Interfaces do not grant you any proprietary intellectual property or other rights in our Interfaces or their contents.

While the software code powering the Interfaces is open-source and available under the MIT License (accessible here: https://github.com/defuse-protocol/defuse-frontend), the IP Owners retain all intellectual property rights in and to the Interfaces, including (without limitation) the software code, visual design, trademarks, logos, and any other branding, design features, or content. Users may fork and modify the open-source code in accordance with the MIT License, but may not use the Company's trademarks or branding in derivative works without permission. Your use of the hosted Interfaces provided by the Company is governed by these Terms, while any independent deployment of the open-source code is governed by the applicable open-source license. You will retain ownership of all intellectual property and other rights in any information and materials you submit through the Interface. However, by uploading such information or materials, you grant us a worldwide, royalty-free, irrevocable license to use, copy, distribute, publish and send this data in any manner in accordance with applicable laws and regulations. This license terminates upon deletion of your data in accordance with our Privacy Policy.

You agree that you will not use, modify, distribute, tamper with, reverse engineer, disassemble or decompile any of the Interfaces for any purpose other than as expressly permitted pursuant to this Agreement. Except as set forth in this Agreement, we grant you no right, title or interest in or to any of the Interfaces, including any intellectual property rights. You understand and acknowledge that the Protocol is not an Interface and we do not own, control, or operate, the Protocol, 1CS, or any Third-Party Bridge.

If (i) you satisfy all of the eligibility requirements set forth in the Terms, and (ii) your access to and use of the Interface complies with the Terms, you hereby are granted a single, personal, limited license to access and use the Interface. This license is non-exclusive, non-transferable, and freely revocable by us at any time without notice or cause in our sole discretion. Use of the Interface for any purpose not expressly permitted by the Terms is strictly prohibited. Unlike the Interface, the Protocol is composed entirely of open-source software running on the NEAR and the NEAR Private Shard and is not our proprietary property. The Protocol may also run on the other blockchains to which the same clause applies.

5.2 Third-Party Resources and Promotions

The Interfaces may contain references or links to third-party resources, including, but not limited to, information, materials, products, or services, that we do not own or control. In addition, third parties may offer promotions related to your access and use of the Interfaces. We do not approve, monitor, or endorse, and we do not assume any responsibility for, any such resources or promotions. If you access any such resources or participate in any such promotions, you do so at your own risk, and you understand that this Agreement does not apply to your dealings or relationships with any third parties. You expressly relieve us of any and all liability arising from your use of any such resources or participation in any such promotions, and you shall not use the Interfaces in combination with any third party products or services in any manner that would infringe or otherwise violate the intellectual property rights of any third party or violate any applicable law.

5.3 Additional Rights

We reserve the right to, where required by applicable law or where we reasonably determine it necessary to comply with legal obligations or protect the security, integrity, or lawful operation of the Interfaces and the Protocol, cooperate with law enforcement authorities, courts, or governmental agencies by disclosing wallet addresses, transaction data, and associated metadata where (a) legally compelled by valid legal process, or (b) reasonably necessary to protect the security or lawful operation of the Interfaces or related protocol infrastructure. The Company may also restrict or suspend access to the Interfaces in connection with such cooperation. The Company is under no obligation to provide individual notice of such actions except where required by applicable law.

6. Your Responsibilities

6.1 Prohibited Activity

You agree not to engage in, or attempt to engage in, any of the following categories of prohibited activity in relation to your access and use of the Interfaces:

(a) Intellectual Property Infringement. Activity that infringes on or violates any copyright, trademark, service mark, patent, right of publicity, right of privacy, or other proprietary or intellectual property rights under applicable law in any jurisdiction in the world.

(b) Data Privacy. Activity that violates any applicable laws, and contractual and fiduciary obligations relating to the collection, storage, use, transfer and any other processing of any personal information or any other sensitive or confidential information.

(c) Cyberattack. Activity that seeks to interfere with or compromise the integrity, security, or proper functioning of any computer, server, network, personal device, or other information technology system, including, but not limited to, the deployment of viruses and denial of service attacks. Activity that uses any robot, spider, crawler, scraper or other automated means or interface not provided by us to access the Interfaces to introduce any malware, virus, Trojan horse, worm, logic bomb, drop-dead device, backdoor, shutdown mechanism or other harmful material into the Interface or the Interfaces.

(d) Fraud and Misrepresentation. Activity that seeks to defraud us or any other person or entity, including, but not limited to, providing any false, inaccurate, or misleading information in order to unlawfully obtain the property of another, or to defraud Company, other users of the Interfaces or any other person.

(e) Market Manipulation. Activity that violates any applicable law, rule, or regulation concerning the integrity of trading markets, including, but not limited to: the manipulative tactics commonly known as "rug pulls"; pumping and dumping; wash trading; front-running; accommodation trading; fictitious transactions; pre-arranged or non-competitive transactions; cornering or attempting cornering of digital assets; violations of bids or offers; spoofing; knowingly making any bid or offer for the purpose of making a market price that does not reflect the true state of the market; entering orders for the purpose of entering into transactions without a net change in either party’s open positions but a resulting profit to one party and a loss to the other party, commonly known as a “money pass”; any other manipulation or fraudulent act or scheme to defraud, deceive, trick or mislead; or any other trading activity that, in the reasonable judgment of Company, is abusive, improper or disruptive to the operation of the Interfaces.

(f) Securities and Derivatives Violations. Activity that violates any applicable law, rule, or regulation concerning the trading of securities or derivatives, including, but not limited to, the unregistered offering of securities and the offering of leveraged and margined commodity products to retail customers in the United States.

(g) Sale of Stolen Property. Buying, selling, or transferring of stolen items, fraudulently obtained items, items taken without authorization, and/or any other illegally obtained items. Using or accessing the Interfaces to transmit or exchange digital assets that are the direct or indirect proceeds of any criminal or fraudulent activity, including terrorism or tax evasion.

(h) Data Mining or Scraping. Activity that involves data mining, robots, scraping, or similar data gathering or extraction methods of content or information from any of the Interfaces.

(i) Objectionable Content. Activity that involves soliciting information from anyone under the age of 18 or that is otherwise harmful, threatening, abusive, harassing, tortious, excessively violent, defamatory, vulgar, obscene, pornographic, libelous, invasive of another's privacy, hateful, discriminatory, or otherwise objectionable.

(j) Disruptive Content. Activity that could interfere with, disrupt, negatively affect, or inhibit other users from fully enjoying the Interfaces, or that could damage, disable, overburden, or impair the functioning of the Interfaces in any manner

(k) Intent Manipulation: Submitting Intents or Confidential Intents with falsified parameters or spam, or submitting Intents designed to disrupt the operation of the Solver Network or Protocol rather than to achieve a genuine transactional outcome.

(l) Solver Abuse: Interfering with Solver operations (e.g., front-running, quote spamming).

(m) Cross-Chain Exploits: Leveraging settlement delays or bridge vulnerabilities for arbitrage.

(n) RWA-Related Conduct: Misrepresenting your identity, jurisdiction, regulatory status, investor classification, or eligibility in connection with any Real World Asset. Accessing or attempting to access any RWA in violation of jurisdictional restrictions, transfer limitations, accreditation requirements, or other issuer-imposed conditions. Engaging in any conduct intended to interfere with or circumvent issuer-level controls, including blacklisting, freezing, or redemption restrictions.

(o) Fiat Onramp and Offramp Circumvention: Using the Interfaces to evade or attempt to evade KYC, KYB, sanctions screening, geolocation restrictions, eligibility controls, transaction monitoring, or other compliance requirements imposed by any Fiat Onramp, Fiat Offramp, banking partner, or payment service provider. Structuring transactions to avoid provider-level thresholds, monitoring triggers, or reporting requirements.

(p) Yield and Earn Abuse: Engaging in any activity designed to manipulate, distort, or misrepresent displayed yield rates, reward calculations, performance metrics, or pricing information. Exploiting smart contract logic, latency, oracle inputs, validator timing, or other technical characteristics to obtain unfair yield advantages. Using Yield features in a manner inconsistent with their intended economic purpose or to create artificial performance signals.

(q) Confidential Intents Misuse: Using Confidential Intents or any restricted-visibility functionality to evade sanctions, law enforcement requests, regulatory obligations, transaction screening controls, or other applicable legal requirements. Attempting to compromise, probe, reverse-engineer, interfere with, or otherwise exploit the confidentiality mechanisms, validator coordination, bridging infrastructure, or compliance controls associated with Confidential Intents.

(r) Protocol and Infrastructure: Exploitation Attempting to exploit bridge timing differences, settlement mechanics, cross-chain latency, validator coordination gaps, or other technical features of the Protocol for unfair advantage or to the detriment of other users. Interfering with or attempting to disable any security, screening, monitoring, rate-limiting, or risk control mechanisms implemented within the Interfaces.

(s) P2P Swap Misuse: Using Peer-to-Peer Swaps to facilitate fraud, wash trading, layering, structuring, sanctions evasion, market manipulation, or other deceptive or unlawful conduct.

As a further condition to accessing or using the Interfaces, you affirm that you will only transfer legally-obtained digital assets that belong to you and that any digital assets you use in connection with the Interfaces are either owned by you or you are validly authorized to carry out actions using such digital assets.

6.2 Trading “ Swaps”

You agree and understand that: (a) all trades you submit through any of the Interfaces are considered unsolicited, which means that they are solely initiated by you; (b) you have not received any investment advice from us in connection with any trades; and (c) you have not obtained any service or contractual commitment from any participant of the Interfaces; and (d) with us we do not conduct a suitability review of any trades you submit.

6.3 Non-Custodial and No Fiduciary Duties

Each of the Interfaces is a purely non-custodial application, meaning we do not ever have custody, possession, or control of your digital assets at any time. It further means you are solely responsible for the custody of the cryptographic private keys to the digital asset wallets you hold and you should never share your wallet credentials or seed phrase with anyone. We accept no responsibility for, or liability to you, in connection with your use of a wallet and make no representations or warranties regarding how any of the Interfaces will operate with any specific wallet. The Company has no control over, or liability for, the delivery, quality, safety, legality, or any other aspect of any digital assets that you may transfer to or from a third party, and we are not responsible for ensuring that an entity with whom you transact completes the transaction or is authorized to do so, and if you experience a problem with any transactions in digital assets using the Interfaces, then you bear the entire risk.

Likewise, you are solely responsible for any associated wallet and we are not liable for any acts or omissions by you in connection with or as a result of your wallet being compromised. The Company does not act as an agent for you or any other user of the Interfaces and you are solely responsible for your use of the Interfaces, including all your transfers of digital assets.

This Agreement is not intended to, and does not, create or impose any fiduciary duties on us. To the fullest extent permitted by law, you acknowledge and agree that we owe no fiduciary duties or liabilities to you or any other party, and that to the extent any such duties or liabilities may exist at law or in equity, those duties and liabilities are hereby irrevocably disclaimed, waived, and eliminated. You further agree that the only duties and obligations that we owe you are those set out expressly in this Agreement.

By using the Interfaces, you acknowledge and accept that the Company’s operational role may, depending on jurisdiction and interpretation, be treated by authorities as subject to licensing, registration, or other regulatory requirements. You bear the risk of such treatment. To the maximum extent permitted by law, you waive, release, and covenant not to sue for, any and all claims against the Company, and any other person or entity involved in developing, deploying, maintaining, or providing access to the the Interfaces , for any losses, liabilities, or regulatory actions arising from such treatment. You further acknowledge that the Company is not responsible for, and shall have no liability in connection with, any claims relating to the Protocol, 1CS, or the Third-Party Bridges, their operators, or any such persons or entities.

6.4 Compliance and Tax Obligations

One or more of the Interfaces may not be available for use in your jurisdiction. By accessing or using any of the Interfaces, you agree that you are solely and entirely responsible for compliance with all laws and regulations that may apply to you. The cross-border nature of blockchain technology means transactions may implicate laws from multiple jurisdictions simultaneously. The Company makes no representations regarding the legality of the Protocol or Interfaces in any specific jurisdiction.

Specifically, your use of the Interfaces or the Protocol may result in various tax consequences, such as income or capital gains tax, value-added tax, goods and services tax, or sales tax in certain jurisdictions. It is your responsibility to determine whether taxes apply to any transactions you initiate or receive and, if so, to report and/or remit the correct tax to the appropriate tax authority. It is recommended that you consult a tax professional to understand the tax implications of your transactions, as cryptocurrency and cross-chain transactions can be complex and vary by jurisdiction.

You expressly agree that you assume all risks in connection with your access to and use of the Interface. Additionally, you expressly waive and release us from any and all liability, claims, causes of action, or damages arising from or in any way relating to your access to and use of the Interface. Your Compliance Obligations. The Interface may not be available or appropriate for use in all jurisdictions. By accessing or using the Interface, you agree that you are solely and entirely responsible for compliance with all laws and regulations that may apply to you. You further agree that we have no obligation to inform you of any potential liabilities or violations of law or regulation that may arise in connection with your access and use of the Interface and that we are not liable in any respect for any failure by you to comply with any applicable laws or regulations.

Compliance Assessment. The Company reserves the right, but has no obligation, to use publicly available and accessible information and engage third-party providers to monitor and assess your and/or other users’ wallet addresses, third-party links, domain names, virtual currencies, smart contracts, and any other content available via the Interface for the risks of money laundering, terrorism financing, fraud and/or any other illicit or non-compliant activities. No additional personal data is collected to perform such compliance assessment.

6.5 Gas Fees, Price Estimates, and Slippage

Blockchain transactions require the payment of transaction fees to the appropriate network ("Gas Fees"). Except as otherwise expressly set forth in the terms of another offer by the Company, you will be solely responsible to pay the Gas Fees for any transaction that you initiate via any of the Interfaces. Although we attempt to provide accurate fee information, this information reflects our estimates of fees, which may vary from the actual fees paid to use the Interfaces and interact with the NEAR, the NEAR Private Shard, Bitcoin, Ethereum, Arbitrum, Base, Solana, and other blockchains.

When executing trades through the Interfaces, you may experience Slippage – the difference between the quoted price and the execution price. Slippage may be more pronounced in cross-chain transactions where market conditions may change during the settlement period. You acknowledge that the final execution price may differ from the initially displayed quote, and that neither the Company nor the Protocol guarantees execution at the quoted price.

6.6 Release of Claims

You expressly agree that you assume all risks in connection with your access and use of any of the Interfaces. You further expressly waive and release us from any and all liability, claims, causes of action, or damages arising from or in any way relating to your use of any of the Interfaces. If you are a California resident, you waive the benefits and protections of California Civil Code § 1542, which provides: "[a] general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."

7. Disclaimers

7.1 Assumption of Risk -- Generally

The Company is a developer of software. The Company does not operate a digital asset or derivatives exchange platform or offer trade execution or clearing services and has no oversight, involvement, or control concerning your transactions using the Interfaces. All transactions between users of the Interface are executed peer-to-peer directly between the users’ addresses through smart contracts and the Protocol. You are responsible for complying with all applicable laws that govern your digital assets.

By accessing and using any of the Interfaces, you represent that you are financially and technically sophisticated enough to understand the inherent risks associated with using cryptographic and blockchain-based systems, and that you have a working knowledge of the usage and intricacies of digital assets such as NEAR (NEAR), Ether (ETH), Bitcoin (BTC), Solana (SOL), Arbitrum (ARB) and TON (this list is non-exhaustive), so-called stablecoins, and other digital tokens such as those following the Ethereum token standard (ERC-20) or any other token standard, including NEP-141, for example.

You acknowledge and understand the inherent risks associated with cryptographic systems and blockchain-based networks. The Company does not own or control any of the underlying software through which Blockchain Networks are formed. In general, the software underlying Blockchain Networks, including the NEAR, Bitcoin, Ethereum, Arbitrum, Base, Solana, and TON blockchains (this list is non-exhaustive and includes any and all open-source blockchains), is open-source, such that anyone can use, copy, modify, and distribute it. By using the Interfaces, you acknowledge and agree (a) that the Company is not responsible for the operation of the blockchain-based software and networks underlying the Interfaces, (b) that there exists no guarantee of the functionality, security, or availability of that software and networks, and (c) that the underlying blockchain-based networks are subject to sudden changes in operating rules, such as those commonly referred to as “forks,” which may materially affect the Interfaces. Blockchain networks use public and private key cryptography. You alone are responsible for securing your private key(s). We do not have access to your private key(s). Losing control of your private key(s) will permanently and irreversibly deny you access to digital assets on NEAR, the NEAR Private Shard, Bitcoin, Ethereum, Arbitrum, Base, Solana, and TON blockchains or other blockchain-based networks. Neither the Company, the Protocol nor any other person or entity will be able to retrieve or protect your digital assets. If your private key(s) are lost, then you will not be able to transfer your digital assets to any other blockchain address or wallet. If this occurs, then you will not be able to realize any value or utility from the digital assets that you may hold.

Further, you acknowledge and understand that the markets for these digital assets are nascent and highly volatile due to risk factors including, but not limited to, adoption, speculation, technology, security, and regulation. You understand that anyone can create a token, including fake versions of existing tokens and tokens that falsely claim to represent projects, and acknowledge and understand the risk that you may mistakenly trade those or other tokens. So-called stablecoins may not be as stable as they purport to be, may not be fully or adequately collateralized, and may be subject to panics and runs.

The information displayed through the Interface and information about prices or other are provided by third parties and/or calculated for informational purposes and we do not provide any warranties for such information.

Further, you acknowledge and understand that smart contract transactions automatically execute and settle, and that blockchain-based transactions are irreversible when confirmed. You acknowledge and understand that you are responsible for all trades you place, including any erroneous orders that may be filled. We do not take any action to resolve erroneous trades that result from your errors. You acknowledge and understand that the cost and speed of transacting with cryptographic and blockchain-based systems such as NEAR, Bitcoin, Ethereum, Arbitrum, Base, Solana, TON and others are variable and may increase dramatically at any time. You further acknowledge and understand the risk of selecting to trade in expert modes, which can expose you to potentially significant price slippage and higher costs.

Further, you acknowledge and understand that the Interfaces and your digital assets could be impacted by one or more regulatory inquiries or regulatory actions, which could impede or limit the ability of the Company to continue to make available our proprietary software and could impede or limit your ability to access or use the Interfaces.

Further, you acknowledge and understand that cryptography is a progressing field with advances in code cracking or other technical advancements, such as the development of quantum computers, which may present risks to digital assets and the Interfaces, and could result in the theft or loss of your digital assets. To the extent possible, the smart contracts available on the interface will be updated to account for any advances in cryptography and to incorporate additional security measures necessary to address risks presented from technological advancements, but that intention does not guarantee or otherwise ensure full security of the Interfaces.

Further, you understand that NEAR, the NEAR Private Shard, Bitcoin, Ethereum, Arbitrum, Base, Solana, TON and other blockchain-based networks remain under development, which creates technological and security risks when using the Interfaces in addition to uncertainty relating to digital assets and transactions therein. You acknowledge that the cost of transacting on the NEAR, Bitcoin, Ethereum, Arbitrum, Base, Solana, TON and other blockchain-based networks is variable and may increase at any time causing impact to any activities taking place on NEAR, Bitcoin, Ethereum, Arbitrum, Base, Solana, TON or other blockchain-based networks, which may result in price fluctuations or increased costs when using the Interfaces.

Further, you acknowledge and understand that the Interfaces are subject to flaws and that you are solely responsible for evaluating any code provided relating to the Interfaces. This warning and other warnings that the Company provides in these terms are in no way evidence or represent an on-going duty to alert you to all of the potential risks of utilizing the Interfaces. Although we intend to provide accurate and timely information and data, information available when using the Interfaces may not always be entirely accurate, complete, or current and may also include technical inaccuracies or typographical errors. To continue to provide you with as complete and accurate information as possible, information may be changed or updated from time to time without notice, including information regarding our policies. Accordingly, you acknowledge and understand that you should verify all information before relying on it, and all decisions based on information listed on the Interfaces are your sole responsibility. No representation is made as to the accuracy, completeness, or appropriateness for any particular purpose of any pricing information distributed via the site or otherwise when using the Interfaces. Prices and pricing information may be higher or lower than prices available on platforms providing similar services.

We must comply with applicable laws, which may require us to, upon request by government agencies, take certain actions or provide information. You acknowledge and understand that the Company may in its sole discretion take any action it deems appropriate to cooperate with government agencies or comply with applicable laws.

The users acknowledge that transactions executed through the Interfaces may experience Slippage, resulting in a final execution price different from the initially displayed price. Slippage is inherent to cross chain transactions due to factors such as market volatility, liquidity fluctuations, and blockchain transaction delays. The Company and the Protocol do not control or influence the price at which transactions are executed and are not responsible for any financial losses resulting from slippage.

Furthermore, the Interfaces, by providing access to the Protocol, facilitate cross-chain transactions through Third-Party Bridges which are integrated with, but separate to, the Protocol. These Third-Party Bridges carry inherent risks, including but not limited to smart contract vulnerabilities, governance risks, and the potential for asset loss due to bridge failures or exploits. In particular, the Omni Bridge and HOT Bridge leverage Chain Signatures, which depend on cryptographic assumptions vulnerable to technological advances (e.g., quantum computing). Compromised signatures may result in irreversible asset loss. The company does not control any of the Third-Party Bridges or Chain Signatures and disclaims any liability for any losses or damages resulting from their respective use.

You further acknowledge and understand the risks specific to: (a) Confidential Intents — including that confidentiality depends on technical and operational assumptions; validator nodes may be compromised, fail, or collude; transactions may be disclosed pursuant to legal or regulatory requirements; and functionality may be modified, restricted, or suspended due to security or compliance considerations; (b) Real World Assets — including issuer insolvency, failure or insufficiency of asset backing or reserves, redemption suspension or denial, token freezing, clawback, or blacklisting by the issuer, regulatory enforcement or reclassification, transfer restrictions, and risks arising from corporate actions or off-chain administrative decisions; (c) Fiat Onramps and Offramps — including conversion failure, settlement delays, payment reversals or chargebacks, banking restrictions, account suspension or closure, eligibility limitations, and regulatory or enforcement action affecting the provider or your access to fiat services; (d) Yield and Earn Features — including smart contract vulnerabilities, protocol governance changes, slashing penalties, withdrawal delays or lock-ups, impermanent loss, counterparty default, yield variability or cessation (including reduction to zero), inaccurate or stale yield displays, regulatory reclassification of the product or underlying activity, and total loss of principal; and (e) P2P Swaps — including counterparty default, fraud, misrepresentation, irreversibility of settled transactions, pricing errors, and the absence of any intermediary, escrow, custodian, guarantor, or dispute resolution mechanism.

In summary, you acknowledge that We are not responsible for any of these variables or risks, do not own or control the Protocol, the 1Click Service, or the Third-Party Bridges, and cannot be held liable for any resulting losses that you experience while accessing or using any of the Interfaces. Accordingly, you understand and agree to assume full responsibility for all of the risks of accessing and using the Interfaces to interact with the Protocol. You hereby irrevocably waive, release and discharge all claims, whether known or unknown to you, against the Company and Our shareholders, members, directors, officers, employees, agents, and representatives, suppliers, and contractors related to any of the risks set forth in this Section 7 or elsewhere in these terms.

7.2 No Warranties

Each of the Interfaces are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, We disclaim any representations and warranties of any kind, whether express, implied, or statutory, including, but not limited to, the warranties of merchantability and fitness for a particular purpose. You acknowledge and understand that your use of each Interface is at your own risk. We do not represent or warrant that access to any of the Interfaces will be continuous, uninterrupted, timely, or secure; that the information contained in any of the Interfaces will be accurate, reliable, complete, or current; or that any of the Interfaces will be free from errors, defects, viruses, or other harmful elements, or that use of the Interfaces does not and will not infringe or otherwise violate the intellectual property of any third party. No advice, information, or statement that we make should be treated as creating any warranty concerning any of the Interfaces. We do not endorse, guarantee, or assume responsibility for any advertisements, offers, or statements made by third parties concerning any of the Interfaces.

Similarly, the Protocol is provided "as is", at your own risk, and without warranties of any kind. We do not provide, own, or control the Protocol. We do not accept any liability for any claims or damages whatsoever associated with your use, inability to use, or your interaction with other users of, the Protocol, including any direct, indirect, incidental, special, exemplary, punitive or consequential damages, or loss of profits, cryptocurrencies, tokens, or anything else of value. We do not endorse, guarantee, or assume responsibility for any advertisements, offers, or statements made by third parties concerning any of the Interfaces.

You acknowledge and understand that data you provide while accessing or using the Interfaces may become irretrievably lost or corrupted or temporarily unavailable due to a variety of causes, and agree that, to the maximum extent permitted under applicable law, we will not be liable for any loss or damage caused by denial-of-service attacks, software failures, viruses or other technologically harmful materials (including those which may infect your computer equipment), protocol changes by third-party providers, internet outages, force majeure events or other disasters, scheduled or unscheduled maintenance, or other causes either within or outside of our control.

By accessing and using the Interface, you represent that you understand (a) the Interface facilitates access to the Protocol, the use of which has many inherent risks, and (b) the cryptographic and blockchain-based systems have inherent risks to which you are exposed when using the Interface. You further represent that you have a working knowledge of the usage and intricacies of blockchain-based digital assets, including, without limitation, ERC-20 token standard available on the Ethereum, Ethereum layer 2 solutions or other blockchain networks. You further understand that the markets for these blockchain-based digital assets are highly volatile due to factors that include, but are not limited to, adoption, speculation, technology, security, and regulation. You acknowledge that the cost and speed of transacting with blockchain-based systems, such as Ethereum, are variable and may increase or decrease, respectively, drastically at any time. You hereby acknowledge and agree that we are not responsible for any of these variables or risks associated with the Protocol and cannot be held liable for any resulting losses that you experience while accessing or using the Interface. Accordingly, you understand and agree to assume full responsibility for all of the risks of accessing and using the Interface to interact with the Protocol.

Any payments or financial transactions that you engage in will be processed via automated smart contracts. Once initiated, we have no control over these payments or transactions, nor do we have the ability to reverse any payments or transactions.

7.3 No Investment Advice

All information provided by any of the Interfaces is for informational purposes only and should not be construed as investment advice or a recommendation that a particular token is a safe or sound investment. You should not take, or refrain from taking, any action based on any information contained in any of the Interfaces. By providing token information for your convenience, we do not make any trading, financial or investment recommendations to you or opine on the merits of any transaction or opportunity. You alone are responsible for determining whether any trading is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. You should seek professional advice before submitting a transaction.

8. Indemnification

You agree to hold harmless, release, defend, and indemnify us and our officers, directors, employees, contractors, agents, affiliates, and subsidiaries (collectively “Indemnified Parties”) from and against all claims, damages, obligations, losses, liabilities, costs, and expenses arising from: (a) your access and use of any of the Interfaces; (b) your violation of any term or condition of this Agreement, the right of any third party, or any other applicable law, rule, or regulation; (c) any other party's access and use of any of the Interfaces with your assistance or using any device or account that you own or control; (d) digital assets associated with your wallet; (e) your infringement, misappropriation, or other violation of the intellectual property or other proprietary rights of any other person or entity; and (f) any dispute between you and (i) any other user of any of the Interfaces or (ii) any of your own customers or users. If you are obligated to indemnify any Indemnified Party, the Company (or, at our sole discretion, the applicable Indemnified Party) will have the right, in our or its sole discretion, to control any action or proceeding and to determine whether the Company wishes to settle, and if so, on what terms, and you agree to cooperate with the Company in the defense.

9. Limitation of Damages and Liability

To the maximum extent permitted by applicable law, under no circumstances shall We or any of our officers, directors, employees, contractors, agents, affiliates, or subsidiaries be liable to you for any indirect, punitive, incidental, special, consequential, or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data, fiat, revenue, opportunities, or other intangible property, arising out of or relating to any access or use of or inability to access or use any of the Interfaces, the Protocol, the 1Click Service, or any Third-Party Bridge, nor will we be responsible for any damage, loss, or injury resulting from hacking, tampering, or other unauthorized access or use of any of the Interfaces, the Protocol, the 1Click Service, or any Third-Party Bridge, or any information contained within any of the foregoing, whether such damages are based in contract, tort, negligence, strict liability, or otherwise, even if an authorized representative of the Company has been advised of or knew or should have known of the possibility of such damages. We assume no liability or responsibility for any: (a) errors, mistakes, or inaccuracies of content; (b) personal injury or property damage, of any nature whatsoever, resulting from any access or use of the Interfaces; (c) unauthorized access or use of any secure server or database in our control, or the use of any information or data stored therein; (d) interruption or cessation of function related to any of the Interfaces; (e) bugs, viruses, trojan horses, or the like that may be transmitted to or through the Interfaces; (f) errors or omissions in, or loss or damage incurred as a result of the use of, any content made available through any of the Interfaces; (g) the defamatory, offensive, or illegal conduct of any third party and (h) causes beyond Company’s control or that the Company could not reasonably foresee.

We have no liability to you or to any third party for any claims or damages that may arise as a result of any payments or transactions that you engage in via any of the Interfaces, or any other payment or transactions that you conduct via any of the Interfaces. Except as expressly provided for herein, we do not provide refunds for any purchases that you might make on or through any of the Interfaces.

We make no warranties or representations, express or implied, about linked third party services, the third parties they are owned and operated by, the information contained on them, assets available through them, or the suitability, privacy, or security of their Interfaces or services. You acknowledge sole responsibility for and assume all risk arising from your use of third-party services, third-party websites, applications, or resources. We shall not be liable under any circumstances for damages arising out of or in any way related to software, Interfaces, services, and/or information offered or provided by third-parties and accessed through any of the Interfaces.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud, wilful misconduct, or death or personal injury caused by negligence. In such cases, our liability is limited to the minimum extent required by law. Subject to the foregoing, in no event shall our total aggregate liability to you for all damages arising out of or relating to these Terms exceed one hundred U.S. dollars (USD 100) or its equivalent in the local currency of the applicable jurisdiction.

10. Governing Law, Dispute Resolution and Class Action Waivers

10.1 Governing Law

All matters relating to the Interfaces and these Terms of Service, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the law of Seychelles.

10.2 Dispute Resolution; Arbitration

Before initiating arbitration, the parties agree to use reasonable good-faith efforts to resolve any dispute informally. You must first send a written notice of the dispute to legal@polarexpress.dev. If we are unable to resolve the dispute within sixty (60) days of receipt of such notice, either party may commence arbitration in accordance with this section.

ANY DISPUTE, CONTROVERSY OR CLAIM ARISING OUT OF, RELATING TO OR IN CONNECTION WITH THESE TERMS, THE INTERFACES (OR ANY PORTION OR ALL OF THE FOREGOING), INCLUDING THE BREACH, TERMINATION OR VALIDITY OF THESE TERMS, SHALL BE FINALLY RESOLVED BY ARBITRATION. THE ARBITRATION SHALL BE CONDUCTED IN ACCORDANCE WITH THE UNCITRAL ARBITRATION RULES IN FORCE AT THE TIME OF THE DISPUTE. THE SEAT OF ARBITRATION SHALL BE SEYCHELLES. THE TRIBUNAL SHALL CONSIST OF A SINGLE ARBITRATOR. THE LANGUAGE OF THE ARBITRATION SHALL BE ENGLISH. THE APPOINTING AUTHORITY SHALL BE THE SECRETARY-GENERAL OF THE PERMANENT COURT OF ARBITRATION AT THE HAGUE. THE TRIBUNAL SHALL HAVE THE POWER TO RULE ON ANY CHALLENGE TO ITS OWN JURISDICTION OR TO THE VALIDITY OR ENFORCEABILITY OF ANY PORTION OF THE AGREEMENT TO ARBITRATE. THE PARTIES AGREE TO ARBITRATE SOLELY ON AN INDIVIDUAL BASIS, AND THAT THIS AGREEMENT DOES NOT PERMIT CLASS ARBITRATION OR ANY CLAIMS BROUGHT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ARBITRATION PROCEEDING. THE ARBITRAL TRIBUNAL MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. BY AGREEING TO ARBITRATION, YOU AND THE COMPANY WAIVE ANY RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

10.3 Limited Court Carve-Out

NOTWITHSTANDING THE FOREGOING, EITHER PARTY MAY SEEK INTERIM OR INJUNCTIVE RELIEF FROM A COURT OF COMPETENT JURISDICTION (INCLUDING, WITHOUT LIMITATION, THE COURTS OF SEYCHELLES) WHERE NECESSARY TO PREVENT IMMINENT HARM, PRESERVE THE STATUS QUO, OR PROTECT INTELLECTUAL PROPERTY OR CONFIDENTIAL INFORMATION, PENDING FINAL RESOLUTION BY ARBITRATION. IN ADDITION, THE COMPANY MAY BRING PROCEEDINGS IN A COURT OF COMPETENT JURISDICTION SOLELY FOR: (I) CLAIMS INVOLVING FRAUD OR UNAUTHORISED ACCESS OR MISUSE OF THE INTERFACES; OR (II) ENFORCEMENT OF AN ARBITRAL AWARD. EXCEPT FOR THE LIMITED PURPOSES SET OUT ABOVE, ARBITRATION SHALL BE THE EXCLUSIVE METHOD FOR RESOLVING DISPUTES.

10.4 Limitation on Time to File Claims

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE INTERFACES MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

11. Miscellaneous

11.1 Force Majeure

The Company shall not be liable for any failure or delay in performing its obligations under these Terms to the extent that such failure or delay results from circumstances beyond the Company's reasonable control, including but not limited to: blockchain network outages, congestion, or forks; failure or compromise of Third-Party Bridges, the MPC Network, Validator Nodes, or other third-party infrastructure; smart contract bugs or exploits; regulatory action; sanctions designations; natural disasters; pandemics; acts of war or terrorism; power or internet failures; or denial-of-service attacks. For the avoidance of doubt, this clause does not limit or excuse the Company's obligation to resume performance within a reasonable time after the force majeure event ceases.

11.2 Assignment

You may not assign or transfer this Agreement, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer this Agreement without our prior written consent shall be null and void. We may freely assign or transfer this Agreement. Subject to the foregoing, this Agreement will bind and inure to the benefit of the parties, their successors and permitted assigns.

11.3 Waiver and Severability

No waiver by the Company of any term or condition set out in these Terms of Service shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Company to assert a right or provision under these Terms of Service shall not constitute a waiver of such right or provision.

If any provision of these Terms of Service is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Service will continue in full force and effect.

11.4 Entire Agreement

These terms constitute the entire agreement between you and Us with respect to the subject matter hereof. This Agreement supersedes any and all prior or contemporaneous written and oral agreements, communications and other understandings (if any) relating to the subject matter of the Terms.

11.5 Notice

We may provide any notice to you under this Agreement using commercially reasonable means, including using public communication channels. Notices we provide by using public communication channels will be effective upon posting.

If you have any questions about these Terms, please contact us at legal@polarexpress.dev.

11.6 Rights and Remedies

Any right or remedy of the Company set forth in these Terms is in addition to, and not in lieu of, any other right or remedy whether described in these Terms, under applicable laws, at law, or in equity. The failure or delay of Company in exercising any right, power, or privilege under these Terms will not operate as a waiver thereof.

11.7 Privacy Policy

Your use of the Interfaces is subject to our privacy policy, available at Privacy Policy (“Privacy Policy”). We may collect limited data, such as wallet addresses or usage analytics, to operate and improve the Interfaces. We do not store private keys or personal financial information, as the Interfaces are non-custodial. You acknowledge that blockchain transactions are inherently public and not controlled by the Company.​​