Terms of Service

1. Introduction and Acceptance

These Terms of Service (the "Terms") are entered into between you ("you," "your," or "User") and Predifi Labs ("the Company," "we," "us," or "our") and govern your access to and use of:

• The predifi.com marketing site and all informational content available thereon (the "Site");
• The app.predifi.com decentralized prediction market application and associated software (the "Platform"); and
• All other features, tooling, APIs, documentation, and services that link to or incorporate these Terms (collectively, the "Services").

These Terms, together with our Privacy Policy and any supplemental terms or policies that expressly incorporate these Terms, constitute the entire and binding agreement between you and the Company.

BY ACCESSING, INTERACTING WITH, OR USING ANY PART OF THE SERVICES — INCLUDING BY CONNECTING A WALLET, JOINING THE WAITLIST, OR VISITING THE SITE — YOU CONFIRM THAT YOU ARE OF LEGAL AGE, HAVE READ AND UNDERSTOOD THESE TERMS, AND AGREE TO BE LEGALLY BOUND BY THEM. IF YOU DO NOT AGREE, YOU ARE NOT AUTHORIZED TO USE THE SERVICES.

2. Description of Services

Predifi is a decentralized prediction market protocol built on the Hedera network. The Platform enables eligible users to participate in prediction markets by staking cryptocurrency on the outcomes of real-world events ("Prediction Markets"). All Prediction Markets are based on objectively verifiable events resolved through designated third-party oracle sources ("Oracle Sources").

The Company reserves the sole discretion to determine which Oracle Sources are used for market resolution, which event categories are permissible, and when to modify, suspend, or terminate any market. Once a market outcome is determined from the designated Oracle Source, that outcome is final and binding.

The Site primarily provides informational content — including the Predifi World Index ("PWI"), blog content, and product information. Informational content is not financial advice, and the Company is not acting as an investment adviser, trading adviser, tax adviser, legal adviser, or fiduciary in any capacity.

You acknowledge that: (a) the Company does not control, transmit to, or have access to any blockchain network; (b) the Company has no custody of your cryptoassets at any time; (c) the Company cannot reverse, modify, or recover any on-chain transaction; and (d) you are solely responsible for all wallet configuration, private key management, and transaction review before submission.

From time to time the Services may be unavailable due to maintenance, technical issues, third-party service disruptions, blockchain infrastructure downtime, or events beyond our control. The Company will not be liable for any losses resulting from such unavailability.

3. Modifications

To the Terms: We reserve the right to modify these Terms at any time at our sole discretion. Modified Terms will be posted with an updated "Last Updated" date. Your continued use of the Services after any modification constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

To the Services: We reserve the right to modify, add, remove, restrict, or discontinue any feature, content, or part of the Services at any time, with or without notice. We are not liable for any losses resulting from modifications, suspensions, or discontinuations of the Services or your access thereto.

4. Eligibility, Representations, and Restricted Persons

Age and Authority

The Services are intended solely for users who are 18 years of age or older. If you are accessing the Services on behalf of an entity, you represent that you have the legal authority to bind that entity to these Terms.

Restricted Jurisdictions

ACCESS TO AND USE OF THE PLATFORM AND TECHNOLOGY FEATURES IS NOT PERMITTED AND IS EXPRESSLY PROHIBITED FOR ANY PERSON OR ENTITY ("RESTRICTED PERSON") WHO:

• Resides in, is located in, is incorporated in, or has a registered office or principal place of business in any Restricted Jurisdiction; or
• Is using the Services on behalf of, at the direction of, or for the benefit of any Restricted Person.

"Restricted Jurisdictions" include: the United States of America (including all its territories and possessions, and any U.S. Person as defined under applicable U.S. law); the United Kingdom; the Cayman Islands; any jurisdiction subject to comprehensive economic sanctions administered by the United States, the United Nations, or the European Union (including Iran, Syria, Cuba, North Korea, Russia, and the Crimea, Donetsk, and Luhansk regions of Ukraine); and any other jurisdiction where the use of the Platform would violate Applicable Laws (as defined below) or as otherwise designated by the Company at its sole discretion.

USE OF A VPN OR ANY TOOL TO CIRCUMVENT GEOGRAPHIC RESTRICTIONS IS STRICTLY PROHIBITED. VIOLATIONS MAY RESULT IN PERMANENT SUSPENSION OF ACCESS.

Sanctions Compliance

You represent and warrant that you are not, and will not become during your use of the Services: (i) subject to any economic or trade sanctions; (ii) listed on OFAC's SDN list or any equivalent EU, UK, or UN sanctions list; or (iii) acting for or on behalf of any sanctioned party.

Additional Representations

By using the Services, you represent and warrant that:

• Your use of the Services does not violate any Applicable Laws in your jurisdiction;
• You possess sufficient knowledge, sophistication, and experience to understand blockchain technology, cryptoassets, and the risks of participation in prediction markets;
• You are solely responsible for configuring and securing your wallet, private keys, and credentials;
• You will not use a VPN or similar tool to circumvent any restriction applicable to the Services; and
• All information you provide to us is accurate and not misleading.

5. Financial Risks and Market Participation

PARTICIPATION IN PREDICTION MARKETS INVOLVES SUBSTANTIAL FINANCIAL RISK. YOU MAY LOSE UP TO THE ENTIRE AMOUNT OF CRYPTOASSETS YOU COMMIT TO ANY PREDICTION MARKET. Past performance of any market is not indicative of future results.

• All on-chain transactions are irreversible, final, and there are no refunds;
• Cryptoasset values are highly volatile;
• The Company does not guarantee the accuracy of Oracle Sources or the outcome of any Prediction Market;
• Technical delays, smart contract bugs, network congestion, or oracle failures may affect market resolution;
• The Company is not responsible for the resolution of any Prediction Market or any disputes related thereto;
• All transaction fees (including network fees on Hedera) are your sole responsibility and are non-refundable; and
• The Company has no fiduciary relationship with you and owes you only the obligations expressly stated in these Terms.

You acknowledge that you are solely responsible for conducting your own due diligence and risk assessment before participating in any market. Nothing on the Site or Platform constitutes investment, trading, legal, or tax advice.

6. Prohibited Conduct

You agree that you will not, in connection with the Services:

• Violate any Applicable Laws or regulations;
• Engage in market manipulation, wash trading, spoofing, front-running, fictitious transactions, or any form of abusive, improper, or disruptive trading activity;
• Use the Services for money laundering, terrorist financing, sanctions evasion, or any other illicit financial activity;
• Exploit bugs, vulnerabilities, or unintended behaviors in the smart contracts or the Platform;
• Circumvent geographic restrictions or access controls using VPNs, proxies, or similar tools;
• Reverse engineer, decompile, or disassemble any part of the Services;
• Introduce malware, viruses, or other harmful code into the Services;
• Conduct denial-of-service attacks or attempt to interfere with the proper operation of the Services;
• Scrape, harvest, or extract data from the Services without our prior written consent;
• Create or participate in markets relating to illegal activities, personal violence, terrorism, exploitation of minors, or other prohibited subjects as determined by the Company; or
• Provide false, misleading, or deceptive information when using the Services.

Violations of this section may result in immediate suspension or permanent termination of your access to the Services, exclusion from reward or incentive programs, and referral to law enforcement authorities where appropriate. You hereby acknowledge that tax consequences may arise from your use of the Services, and you are solely responsible for compliance with applicable tax laws.

7. Intellectual Property

The Company or its licensors own all right, title, and interest in and to the Services — including the Site, Platform, content, software, design, and trademarks — unless otherwise indicated. Subject to these Terms, the Company grants you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Services for their intended purposes only.

By submitting content or feedback through the Services, you grant the Company a royalty-free, sublicensable, transferable, perpetual, irrevocable, worldwide license to use, copy, modify, display, perform, and distribute such content for any business purpose, including promotion of the Services. You represent that you have the rights to grant this license and that your content does not infringe any third-party rights.

Third-party services integrated into the Platform may be subject to separate license terms. You agree to comply with all applicable third-party terms.

8. Third-Party Services

The Services may contain links to or integrations with third-party websites, applications, or services ("Third-Party Services") that are not controlled by the Company. The Company has no responsibility for the content, privacy practices, availability, or accuracy of any Third-Party Service. Your use of any Third-Party Service is at your own risk and subject to the terms of that third party. Links or integrations do not imply endorsement or affiliation.

9. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its affiliates, officers, directors, employees, and licensors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with: (i) your access to or use of the Services; (ii) your breach of these Terms or violation of any Applicable Law; (iii) any dispute between you and any third party; (iv) your alleged infringement of any third-party intellectual property or other rights; or (v) content or feedback you submit. We reserve the right to assume exclusive control of any defense of a matter subject to indemnification by you, and you agree to cooperate fully.

10. Disclaimers and Limitation of Liability

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR QUIET ENJOYMENT.

THE COMPANY MAKES NO WARRANTY THAT: (I) THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; (II) ANY RESULTS OR INFORMATION OBTAINED THROUGH THE SERVICES WILL BE ACCURATE OR RELIABLE; OR (III) ANY DEFECTS WILL BE CORRECTED.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY OR ANY OF ITS AFFILIATES, SERVICE PROVIDERS, EMPLOYEES, OFFICERS, DIRECTORS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES — INCLUDING LOST PROFITS, LOSS OF DATA, OR LOSS OF CRYPTOASSETS — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE COMPANY'S AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY; IN SUCH CASES, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

11. Governing Law and Dispute Resolution

Governing Law

These Terms are governed by applicable law without regard to conflict of law principles. Except as required to be resolved by arbitration, any dispute that is not subject to arbitration shall be resolved in a venue of our choosing, and you consent to such jurisdiction.

Informal Resolution

Before initiating any formal proceeding, you agree to provide us written notice of the dispute with a description of the claim and your desired resolution ("Initial Notice"). We will respond within 20 days, and the parties will attempt to resolve the matter in good faith within 45 days of the Initial Notice.

Binding Arbitration

If informal resolution fails, all disputes, claims, or controversies arising out of or relating to these Terms, the Services, or your use thereof shall be resolved by binding individual arbitration. The arbitrator will have exclusive authority to resolve all issues relating to the interpretation, applicability, enforceability, and scope of these Terms and of the arbitration agreement itself.

Class Action Waiver

YOU AND THE COMPANY EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS ACTION, CLASS ARBITRATION, CONSOLIDATED PROCEEDING, OR REPRESENTATIVE ACTION. ALL ARBITRATIONS WILL BE CONDUCTED ON AN INDIVIDUAL BASIS ONLY.

12. General Provisions

• Entire Agreement: These Terms, together with our Privacy Policy and other incorporated policies, constitute the entire agreement between you and us regarding the Services and supersede all prior agreements or understandings.
• Assignment: You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may freely assign these Terms without restriction.
• Waiver: Our failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce it later. All waivers must be in writing to be effective.
• Severability: If any provision of these Terms is found to be invalid or unenforceable, that provision will be limited to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
• No Relationship: Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and us.
• Survival: Sections 5, 7, 9, 10, 11, and 12 survive any termination or expiration of these Terms.
• Taxes: You are solely responsible for determining and complying with any tax obligations arising from your use of the Services.

13. Contact Us

For questions, complaints, or claims regarding these Terms or the Services, please contact us at: