LegalUpdated April 23, 2026

Terms of Use

Last Modified: April 23, 2026

**3F IS A BLOCKCHAIN-ORIENTED PROTOCOL ENABLING CERTAIN ONCHAIN FUNCTIONALITIES, SPECIFICALLY ACCESS TO LEVERAGED POSITIONS IN TOKENIZED ASSETS. USING THESE FUNCTIONALITIES (INCLUDING VIA THE INTERFACE OR THE WEBSITE) POSES SIGNIFICANT RISKS TO YOU AND YOUR DIGITAL ASSETS. THIS DOCUMENT CONTAINS VERY IMPORTANT INFORMATION REGARDING THESE RISKS AND YOUR RIGHTS AND OBLIGATIONS, AS WELL AS CONDITIONS, LIMITATIONS, AND EXCLUSIONS THAT MIGHT APPLY TO YOU AND YOUR RIGHTS. PLEASE READ IT CAREFULLY. **

**THESE TERMS REQUIRE THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS. **

BY USING THE WEBSITE, THE INTERFACE, OR ANY OF OUR SERVICES, YOU ACCEPT AND ARE BOUND BY THESE TERMS OF USE.

YOU MAY NOT USE OUR WEBSITE, INTERFACE, OR SERVICES IF YOU: (A) DO NOT AGREE TO THESE TERMS; (B) ARE NOT THE OLDER OF: (i) AT LEAST EIGHTEEN (18) YEARS OF AGE OR (ii) LEGAL AGE TO FORM A BINDING CONTRACT; OR (C) ARE PROHIBITED FROM ACCESSING OR USING THE WEBSITE OR SERVICES OR ANY ASSOCIATED FUNCTIONALITIES BY APPLICABLE LAW.

YOU REPRESENT TO US THAT YOU ARE: (1) NOT SUBJECT TO SANCTIONS OR OTHERWISE DESIGNATED ON ANY LIST OF PROHIBITED OR RESTRICTED PARTIES, INCLUDING BUT NOT LIMITED TO THE LISTS MAINTAINED BY THE UNITED NATIONS SECURITY COUNCIL, THE U.S. GOVERNMENT (I.E., THE SPECIALLY DESIGNATED NATIONALS LIST AND FOREIGN SANCTIONS EVADERS LIST OF THE U.S. DEPARTMENT OF TREASURY AND THE ENTITY LIST OF THE U.S. DEPARTMENT OF COMMERCE), THE EUROPEAN UNION OR ITS MEMBER STATES, THE UNITED KINGDOM, OR OTHER APPLICABLE GOVERNMENT AUTHORITY; AND (2) NOT LOCATED IN ANY COUNTRY SUBJECT TO A COMPREHENSIVE SANCTIONS PROGRAM IMPLEMENTED BY THE UNITED STATES.

  1. Acceptance of the Terms of Use.

These Terms of Use are entered into by and between you (“you” or the “User”) and 3F Tropical S.A. and its affiliates (collectively, “3F,” “we,” “our,” or “us”). The following Terms of Use, together with any documents they expressly incorporate by reference (collectively, this “Agreement” or these “Terms of Use”), govern Users’ access to and use of our Services (as defined below), which include any wallet software application that we may have a role in providing, whether through our website, https://3f.xyz/ (the “Website”), the website of a third party, or through our wallet software application (the “Interface”).

The User must read the Terms of Use carefully before using the Website or Interface. By using the Website or Interface, the User accepts and agrees to be bound and abide by these Terms of Use and our Privacy Policy, incorporated herein by reference. If the User does not want to agree to these Terms of Use, the Privacy Policy, or any documents that are incorporated herein by reference, the User must not access the Website or use the Interface.

The Website and Interface are offered and available to users who are eighteen (18) years of age or older. By using the Website or Interface, the User represents and warrants that the User is at least the higher of legal age to form a binding contract with 3F in the User’s applicable jurisdiction or eighteen (18) years of age, and meets all of the eligibility requirements set forth herein. Further, by using the Website or Interface, the User represents and warrants that the User is not a citizen or resident of, nor is located in, any country against which the United States has sanctioned or embargoed or where the use of the Website or Interface is otherwise illegal or impermissible, whether by rule, statute, regulation, bylaw, court adjudication or order, protocol, administrative statement, code, decree, or other directive, requirement or guideline, whether applicable on 3F, the Website or Interface, or on the User (or multiple of the foregoing) by an authority with valid and enforceable jurisdiction (“Applicable Laws”). If the User does not meet all of these requirements, the User must not access or use the Website or Interface.

Beta Version

3F’S PRE-RELEASE SOFTWARE IS CURRENTLY BEING MADE AVAILABLE TO USERS IN ITS BETA FOR THE PURPOSE OF PROVIDING 3F WITH FEEDBACK ON THE QUALITY AND THE USABILITY OF THE SERVICES IN ITS PRE-RELEASE FORM. THE PRE-RELEASE SOFTWARE DOES NOT SUPPORT, ENABLE, OR INVOLVE ANY REAL-WORLD ASSETS OR CURRENCIES WHETHER FIAT OR DIGITAL. FROM TIME TO TIME, 3F, AT ITS OPTION, MAY ALSO PROVIDE YOU WITH SOFTWARE OR SERVICES ALONG WITH THE PRE-RELEASE SOFTWARE, INCLUDING BUT NOT LIMITED TO SCRIPTS, CODE SNIPPETS, UTILITIES, CONFIGURATION PROFILES, SAMPLE CODE, TROUBLESHOOTING APPLICATIONS AND BUG SUBMISSION TOOLS (“SEEDING TOOLS”) AS PART OF YOUR PARTICIPATION IN THE BETA PROGRAM. BY USING THE PRE-RELEASE SOFTWARE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE AND ALL OTHER AGREEMENTS INCORPORATED BY REFERENCE HEREIN. 

YOU ACKNOWLEDGE THAT BY INSTALLING SUCH PRE-RELEASE SOFTWARE ON YOUR COMPUTERS AND/OR DEVICES, THESE COMPUTERS AND DEVICES MAY NOT BE CAPABLE OF BEING RESTORED TO THEIR ORIGINAL CONDITION AND THAT APPLICATIONS AND SERVICES MAY BE AFFECTED BY YOUR USE OF THE PRE-RELEASE SOFTWARE. FURTHER, YOU UNDERSTAND THAT DATA (INCLUDING DOCUMENTS) FROM SUCH APPLICATIONS OR SERVICES THAT YOU CREATE OR CHANGE WHILE USING THE PRE-RELEASE SOFTWARE MAY BE INCAPABLE OF BEING RESTORED OR RECOVERED. 3F SHALL NOT BE RESPONSIBLE FOR ANY COSTS, EXPENSES OR OTHER LIABILITIES YOU MAY INCUR AS A RESULT OF YOUR TESTING, INSTALLATION OR USE OF THE PRE-RELEASE SOFTWARE, INCLUDING BUT NOT LIMITED TO ANY DAMAGE TO ANY EQUIPMENT, SOFTWARE OR DATA OR ANY LOSS OF DATA OR INFORMATION ARISING FROM YOUR USE OF SUCH PRE-RELEASE SOFTWARE. 

IN ADDITION, THE PRE-RELEASE SOFTWARE MAY CONTAIN ERRORS OR INACCURACIES THAT COULD CAUSE FAILURES, CORRUPTION OR LOSS OF DATA AND/OR INFORMATION FROM YOUR COMPUTER AND/OR DEVICE OR FROM YOUR PERIPHERALS (INCLUDING, WITHOUT LIMITATION, SERVERS AND PRINTERS) CONNECTED THERETO.

Services; The Interface; Blockchain Fees.

We provide software that makes available to users a non-custodial, smart-contract governed vault that enables users to: (i) store and transact with tokens, cryptocurrencies and other blockchain-based (“onchain”) digital assets (collectively, “Digital Assets”); (ii) view addresses and information that are part of onchain networks and broadcast transactions; (iii) link to and interact with certain third-party, onchain decentralized applications, including without limitation, decentralized exchanges and other onchain applications (collectively, “dApp(s)”); and (iv) certain additional functionalities as may be added to the Interface from time to time (collectively, the “Services”).

The Services allow you to deposit Digital Assets and receive synthetic digital assets designed to reference the leveraged positions and respective strategies. By using the Services, you authorize the Protocol to deploy your Digital Assets across various strategies, which may include arbitrage, lending, providing liquidity, or other activities. These strategies may involve the redeployment of capital or other mechanisms intended to improve capital efficiency. You acknowledge that the synthetic digital asset does not guarantee returns and participation in these activities involves risk, including the potential loss of your Digital Assets.

3F or one of its affiliates may charge fees for some or part of the Services available to you. We reserve the right to change those fees at its discretion. The amount of fees that will be charged to you for the applicable Services will be displayed through the Interface at the time that you access the Services (which may or may not include charges from third parties, including without limitation, Blockchain Fees, as defined below). You may incur charges from third parties for use of linked services. For example, you may be charged fees via the dApps and/or other onchain protocols that you may access via the Services. Under no circumstances shall 3F incur any liability of any kind to you arising from or relating to fees charged to you by any blockchain networks, dApps, or other third parties for any Third-Party Service (as defined below) linked to or accessed through the Services.

Your full use and enjoyment of the Services may require you to pay “gas” or transaction fees required by the underlying blockchain or distributed ledger service or that are used to encourage intended use among the underlying blockchain’s participants (“Blockchain Fees”). These Blockchain Fees are not levied directly by 3F, but rather are determined by your use of the Services and the rules placed by corresponding blockchain communities at large. 3F may provide quotes for estimated Blockchain Fees, which may be greater than or less than the actual Blockchain Fees required to execute the desired transaction. Alternatively, you may be prompted to bypass 3F’s quoted Blockchain Fees and pay the Blockchain Fees directly through the Interface. A transaction which is presented to you as “gasless” may still require you to pay a Blockchain Fee to process the transaction on the particular blockchain network if you do not have the blockchain network’s native tokens used for Blockchain Fees. You acknowledge that 3F has no control over Blockchain Fees, (including without limitation their applicability, payment, amounts, transmission, intended operation, and effectiveness) whether related to your use of the Services or otherwise, and agree that in no event will 3F be responsible to you or any other party for the payment, repayment, refund, disbursement, indemnity, or for any other aspect of your use or transmission of Blockchain Fees. For further information regarding blockchain technology, Digital Assets, and the associated risks, see the Section below entitled Nature of Blockchain; Assumption of Risk; Waiver of Claims.

Prohibited Uses.

The User may access or use the Website, the Interface, and the Services only for lawful purposes and in accordance with these Terms of Use. The User represents and warrants that the User agrees not to use or access the Website, the Interface, or the Services, including through the use of the User’s Wallet or 3F Account:

Additionally, the User agrees not to:

Monitoring & Enforcement; Termination

We have the right to:

Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website, the Interface, or the Services. YOU WAIVE AND HOLD HARMLESS 3F AND ITS AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY 3F OR ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.

However, we cannot review interactions or activities before they are executed through the Interface, and, given the nature of blockchain and functionalities like those offered via the Services, cannot ensure prompt removal or rectification of objectionable interactions or activities after they have been executed. Accordingly, the User agrees that we assume no liability for any action or inaction regarding transmissions, communications, transactions, blockchain operations, or content provided by any User or third party, including any that may cause a malfunction or inaccuracy on the Website or among the Services. We have no liability or responsibility to anyone for any other party’s performance or nonperformance of the activities described in this Section, nor for any harms or damages created by others’ interactions with any blockchain underlying the Services or reliance on the information or content presented on the Website.

Changes to the Terms of Use.

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. However, any changes to the dispute resolution provisions set out in* *the Section below entitled Governing Law & Jurisdiction will not apply to any disputes for which the parties have actual notice before the date the change is posted on the Website or the Interface.

The User’s continued use of the Website, the Interface, or the Services following the posting of revised Terms of Use means that the User accepts and agrees to the changes. The User is expected to check this page each time it accesses this Website, the Interface, or the Services so it is aware of any changes, as they are binding on the User.

Accessing the Website or the Interface & User Security.

We reserve the right to withdraw or amend the Website or the Interface, and any other Services or material we provide on the Website or the Interface, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website, the Interface, the public blockchains underlying the Services, or any of the Services are unavailable at any time or for any period. From time to time, we may restrict access to some parts of or all of the Website or the Interface to Users.

The User is responsible for both:

To access certain Services or some of the resources offered on the Website or the Interface, the User may be asked to provide certain registration details or other information. Other Services or resources offered on the Website or Interface may require the User to utilize certain Web3 capabilities, such a Digital Asset wallet capable of interacting with the User’s web browser or relevant blockchain nodes (“Web3 Utilities”). It is a condition of the User’s use of the Website, the Interface, and the Services that the User only operate such Web3 Utilities with a private key(s) that the User created or has the direct, explicit permission of the party who created the relevant private key(s). The User agrees that all information it provides to interact with the Website, Interface, Services, or otherwise, including, but not limited to, through the use of any interactive features on the Website (such as registration information) is correct, current, and complete, and is governed by our Privacy Policy. The User consents to all actions we take with respect to the User’s information as is consistent with our Privacy Policy.

If the User utilizes a Web3 Utility that relies on a separate username, password, private key, or any other piece of information as part of its security procedures, the User must treat such information as confidential, and the User must not disclose that information to any other person or entity. The User also acknowledges that any identity linked to its Web3 Utility is personal to the User and agrees not to provide any other person with access to such identity. The User also agrees to ensure that it will lock or otherwise prevent its Web3 Utility from unauthorized use on the Website, the Interface, or the Services at the end of each session. The User should use particular caution when accessing the Website, the Interface, or the Services from a public or shared computer so that others are not able to view or record the User’s username, password, private key, or other personal information. For further information regarding Magic Keys, Safe Words, and Wallet security, see the Section below entitled Nature of Blockchain; Assumption of Risk; Waiver of Claims.

We have the right to disable the User’s access, including those associated with a Web3 Utility (such as that represented by a public address), to the Website, the Interface, or the Services, or to block any IP address from accessing the Website, the Interface, or the Services at any time in our sole discretion for any or no reason, including if, in our opinion, the User or that identity has violated any provision of these Terms of Use.

Intellectual Property Rights.

Except any open-source software, or other material incorporated in the Website, the Interface, or the Services, the Website and the Interface and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by 3F, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. The User must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on the Website or the Interface, except as follows:

The User must not:

If the User wishes to make any use of material on the Website or the Interface other than that set out in this Section, it should address its request to: inquiries@3f.xyz.

If the User prints, copies, modifies, downloads, or otherwise uses or provides any other person with access to any part of the Website or the Interface in breach of these Terms of Use, the User’s right to access the Website and the Interface will stop immediately and the User must, at our option, return or destroy any copies of the materials the User has made. No right, title, or interest in or to the Website, the Interface, or any content on either is transferred to the User, and all rights not expressly granted are reserved by 3F.

Notwithstanding anything to the contrary in these Terms of Use, the User may freely use any open-sourced materials up to the limits provided, but in accordance with any requirements placed, by those materials’ or properties’ applicable licenses.

Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.

Trademarks.

The 3F name and all related names, logos, product and service names, designs, and slogans are trademarks of 3F or its affiliates or licensors. You must not use such marks without the prior written permission of 3F; provided, however, User is hereby granted a limited, revocable, non-transferable permission and license to use the term “3F” and any related names (excluding the 3F name), logos (excluding the Company logo), product and service names, designs, and slogans in any way that they desire so long as such usage is not done in a way that: (1) is deceitful, fraudulent, or manipulative; (2) implies any relationship between User and 3F beyond that reasonably typical of the administrator of a website and its users; or (3) to cause confusion in any way to gain Digital Assets of, or personal information about, another party other than that intended by the Services, the Wallet, the Interface or any related or interacting functionality (for example, you may not use the foregoing marks to execute phishing attacks, spearphishing attacks, social engineering, or in any way that may cause a party to transmit Digital Assets to an unintended recipient or to reveal private information, like a private key or password). All other names, logos, product and service names, designs, and slogans on the Website and the Interface are the trademarks of their respective owners, if applicable.

Reliance on Information Posted.

The information presented on or through the Website and the Interface is made available solely for general information and education purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any information posted to the Website, the Interface, or through the Services should not be construed as an intention to form a contract, and in no case should any information be construed as 3F’s offer to buy, sell, or exchange Digital Assets. Any reliance the User places on such information is strictly at the User’s own risk, and as is common in the blockchain space, the User is assuming a high amount of risk related to others or technical harms when operating via the Website, the Interface, and the Services. We disclaim all liability and responsibility arising from any reliance placed on such materials by the User or any other User, by anyone who may be informed of any of the Website’s or the Services’ contents, or by the actions or omissions of others interacting with the Wallet or any underlying blockchain.

The Website, the Interface, and the Services may include content provided by third parties, including without limitation materials provided by other Users, bloggers, and third-party licensors, syndicators, blockchain users, decentralized applications, aggregators, and/or reporting services. All statements, alleged facts, and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by 3F, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of 3F or even the factual status of reality. We are not responsible, or liable to the User or any third party, for the content or accuracy of any materials provided by any third parties, and User agrees that it bears sole and absolute responsibility to evaluate and select any third-party functionality with which it interacts via the Services.

Changes to the Website, the Interface, & the Services.

We may update the content on, design of, or functionalities available through the Website or the Interface, or through the Services from time to time, but the Website, the Interface, and the Services are not necessarily complete or up-to-date. Any of the material on the Website or the Interface, or provided through the Services may be out of date at any given time, and we are under no obligation to update such material.

We may make changes to the Services from time to time. In the event that we make changes to the Services, you may have the option to either: (i) opt in to the upgraded version of the Services; or (ii) opt out of the upgraded version of the Services and eject any Digital Assets in your 3F Account and into your Funds Recovery Address. Old versions of the Services following any upgrades will be deprecated and will not be maintained.

Information About the User & The User’s Visits to the Website and the Interface.

All information we collect on the Website or through the Interface or the Services is subject to our Privacy Policy. By using the Website, the Interface, and the Services, the User consents to all actions taken by us with respect to the User’s information in compliance with the Privacy Policy.

WARRANTY DISCLAIMER.

3F is a developer of software and does not unilaterally offer, operate, or administer any blockchain networks, Digital Assets, or dApps. The Services merely attempt to assist Users in more easily participating in blockchain networks generally. Nonetheless, 3F has no oversight on or control over any particular Digital Asset, dApps, or blockchain network.

The User is responsible for its use of the Services, the functionalities they enable, transactions engaged through the Website or the Interface, and the use of the information derived thereof. The User is solely responsible for complying with all Applicable Laws related to its transactions and activities that directly or indirectly incorporate our provision of the Services. The User acknowledges its understanding that 3F is not registered or licensed with, nor have our Website, Interface, or Services (or the software contained therein) been reviewed by, any financial or banking regulator.

3F may link to or offer “Third-Party Services” on the Website or otherwise through the Services, including without limitation, dApps, Passkeys, or “Sign In with Apple” and “Google Sign-In” Access Credential services. Any purchase, enabling, or engagement of Third-Party Services, including but not limited to implementation, customization, consulting services, and any exchange of data between the User and any Third-Party Service, is solely between you and the applicable Third-Party Service provider and is subject to the terms and conditions of such Third-Party Service provider. 3F does not warrant, endorse or support Third-Party Services and is not responsible or liable for such Services or any losses or issues that result from the User’s use of such services. If the User purchases, enables or engages any Third-Party Service for use in connection with the Services, the User acknowledges that 3F may allow providers of those Third-Party Services to access your data used in connection with the Services as required for the interoperation of such Third-Party Services with the Services. The User represents and warrants that use of any Third-Party Service signifies independent consent to the access and use of your data by the Third-Party Service provider, and that such consent, use, and access is outside of 3F’s control. 3F will not be responsible or liable for any disclosure, modification or deletion of data resulting from any such access by Third-Party Service providers.

The User understands that we cannot and do not guarantee or warrant that files available for download from the Website, the Interface, or through the Services will be free of viruses or other destructive code. The User is responsible for implementing sufficient procedures and checkpoints to satisfy the User’s particular requirements for: (1) an appropriate Web3 Utility; (2) anti-virus protection and accuracy of data input and output; (3) its participation in and use of the Wallet and any of the Services’ underlying blockchain and related technologies; and (4) maintaining a means external to our site to reconstruct any lost data.

TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, MAN-IN-THE-MIDDLE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT THE USER’S COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO THE USER’S USE OF THE WEBSITE, THE INTERFACE, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR THE INTERFACE, OR DUE TO THE USER’S DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

THE USER’S USE OF THE WEBSITE AND THE INTERFACE, THEIR CONTENT, AND ANY OF THE SERVICES IS AT THE USER’S SOLE RISK. THE WEBSITE, THE INTERFACE, AND THE SERVICES ARE PROVIDED ON AN “AS IS’’ AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT LEGALLY PERMISSIBLE, WE, NOR ANY PERSON ASSOCIATED WITH 3F, MAKE, AND WE EXPLICITLY DISCLAIM, ANY AND ALL REPRESENTATIONS OR WARRANTIES OF ANY KIND RELATED TO THE WEBSITE, THE INTERFACE, AND THE SERVICES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING (WITHOUT LIMITATION) THE WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE. NEITHER 3FNOR ANY PERSON ASSOCIATED WITH 3FMAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE, THE INTERFACE, OR THE SERVICES. 3FAND ANY PERSON ASSOCIATED WITH 3F NOT REPRESENT OR WARRANT THAT: (1) ACCESS TO THE WEBSITE, THE INTERFACE, OR THE SERVICES WILL BE CONTINUOUS, UNINTERRUPTED, TIMELY, WITHOUT DELAY, ERROR-FREE, SECURE, OR FREE FROM DEFECTS; (2) THAT THE INFORMATION CONTAINED OR PRESENTED ON THE WEBSITE OR VIA THE SERVICES IS ACCURATE, RELIABLE, COMPLETE, CONCISE, CURRENT, OR RELEVANT; (3) THAT THE WEBSITE, THE INTERFACE, THE SERVICES, OR ANY SOFTWARE CONTAINED THEREIN WILL BE FREE FROM DEFECTS, MALICIOUS SOFTWARE, ERRORS, OR ANY OTHER HARMFUL ELEMENTS, OR THAT ANY OF SUCH WILL BE CORRECTED; OR (4) THAT THE WEBSITE, THE INTERFACE, OR THE SERVICES WILL MEET THE USER’S EXPECTATIONS. NO INFORMATION OR STATEMENT THAT WE MAKE, INCLUDING DOCUMENTATION OR OUR PRIVATE COMMUNICATIONS, SHOULD BE TREATED AS OFFERING ANY WARRANTY CONCERNING THE WEBSITE, THE INTERFACE, OR THE SERVICES. WE DO NOT ENDORSE, GUARANTEE, OR ASSUME ANY LIABILITY OR RESPONSIBILITY FOR ANY CONTENT, ADVERTISEMENTS, OFFERS, STATEMENTS, OR ACTIONS BY ANY THIRD PARTY EITHER REGARDING THE WEBSITE OR THE SERVICES.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

LIMITATION OF LIABILITY.

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL 3F, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH THE USER’S USE, OR INABILITY TO USE, THE WEBSITE, THE INTERFACE, THE SERVICES, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. THIS DISCLAIMER OF LIABILITY EXTENDS TO ANY AND ALL DAMAGES CAUSED BY ANY THIRD PARTY (INCLUDING, WITHOUT LIMITATION, THOSE CAUSED BY FRAUD, DECEIT, OR MANIPULATION), WHETHER OR NOT A USER, OR ANY FAILURE, EXPLOIT, OR VULNERABILITY OF THE WEBSITE, SERVICES, THE APIS, THE USER’S WEB3 UTILITIES, OR THE UNDERLYING BLOCKCHAINS OR RELATED BLOCKCHAIN FUNCTIONALITIES. TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF 3F AND ITS SUBSIDIARIES AND AFFILIATES, AND THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS, TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID DIRECTLY TO 3F (NOT INCLUDING DIGITAL ASSET DEPOSITS INTO YOUR NON-CUSTODIAL WALLET OR 3F ACCOUNT) FOR THE APPLICABLE CONTENT OR SERVICES IN THE LAST SIX MONTHS OUT OF WHICH LIABILITY AROSE.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Nature of Blockchain; Assumption of Risk; Waiver of Claims.

Blockchains, Digital Assets, the Wallet, Smart Accounts, dApps, Web3 Utilities, and their related technologies and functionalities are still emerging innovations that carry a relatively high amount of foreseeable and unforeseeable risk from security, financial, technical, political, social, and personal safety standpoints. The mere access to and interaction with blockchains requires high degrees of skill and knowledge to operate with a relative degree of safety and proficiency. Digital Assets are highly volatile in nature due to many diverse factors, including without limitation use and adoption, speculation, manipulation, technology, security, and legal and regulatory developments and application. Further, the speed and cost of transacting with cryptographic technologies, such as blockchains like those underlying the Wallet, is variable and highly volatile. Moreover, the transparent nature of many blockchains means that any interactions the User has with any blockchain may be publicly visible and readable in human form.

By accessing and using the Website, the Interface, or the Services, the User acknowledges the foregoing, and agrees and represents that it understands such and other risks involved with blockchains, the Wallet, and related technologies (including without limitation any specific technical language used in this Agreement). The User further represents that it has all knowledge sufficient to work, and is informed of all foreseeable risks, and the possibility of unforeseeable risks, associated with blockchains, Digital Assets, Web3 Utilities, smart contracts, the Interface, the Wallet, and the Services. The User further acknowledges, and assumes all risk related to the possibility, that any information presented via the Website, Interface, or Services may be inaccurate, possibly due to another party’s malicious activities and possibly to the User’s severe harm or detriment. The User agrees that we are not responsible for any of these or related risks, do not own or control any blockchain and cannot guarantee the safe or accurate functioning of the Services, and shall not be held liable for any resulting harms, damages, or losses incurred by or against the User experiences while accessing or using the Website or the Services. **Accordingly, the User acknowledges the foregoing, represents its understanding of the foregoing, and agrees to assume full responsibility for all of the risks of accessing and using the Website and interacting with the Services, whether mentioned in this Section or otherwise. The User further expressly waives and releases us from any and all liability, claims, causes of action, or damages arising from or in any way relating to the User’s use of the Website and the Interface, and the User’s interaction with the Services. **

If the User is a California resident, the User expressly and explicitly waives the benefits and protections of California Civil Code § 1542, which states: “[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.”

No Professional Advice.

All information or content provided or displayed by the Website (including without limitation, on the Interface) is for informational purposes only and should not be construed as professional advice (including, without limitation, tax, legal, or financial advice). The User should not take, or refrain from taking, any action based on any information or content displayed or provided on the Website, on the Interface, or through the Services. The User should seek independent professional advice from an individual licensed and qualified in the area appropriate for such before the User makes any financial, legal, or other decisions where such is considered prudent. The User acknowledges and agrees that, to the fullest extent permissible by law, it has not relied on 3F, the content on the Website, the Interface, or the Services for any professional advice related to its financial or legal behaviors.

Additionally, it is your sole responsibility to determine whether, and to what extent, any taxes apply to any transactions you conduct through the Website, the Interface, the Wallet and/or the Services, and to withhold, collect, report, and remit the correct amounts of taxes to the appropriate tax authorities.

No Fiduciary Duties.

These Terms of Use, and the provision of the Website, the Interface, and the Services, are not intended to create any fiduciary duties between us and the User or any third party. To the fullest extent permissible by law, the User agrees that neither the User’s use of the Website or the Interface, or of the Services causes us or any User to owe fiduciary duties or liabilities to the User or any third party. Further, the User acknowledges and agrees to the fullest extent such duties or liabilities are afforded by law or by equity, those duties and liabilities are hereby irrevocably disclaimed, waived, and eliminated, and that we and any other User shall be held completely harmless in relation thereof. The User further agrees that the only duties and obligations that we or any User owes the User, and the only rights the User has related to this Agreement or the User’s use of the Website, the Interface, or the Services, are those set out expressly in this Agreement or that cannot be waived by law.

No Insurance.

Your Wallet and Digital Asset balances contained therein are not checking or savings accounts, and we do not provide any kind of insurance to you against any type of loss, including (without limitation) losses due to decrease in value of assets, assets lost due to a cybersecurity failure, or from your or other individuals’ errors or malfeasance. In most jurisdictions Digital Assets are not legal tender, and most Digital Assets are not backed by any government. Your Digital Asset balances are not covered by Federal Deposit Insurance Corporation (“FDIC”) or Securities Investor Protection Corporation (“SIPC”) protections.

The Website or the Interface may contain links to other sites and resources provided by third parties; these links are provided for convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and the User acknowledges and agrees that we do not and will not accept any responsibility for them or for any loss or damage that may arise from the User’s use of them. If the User decides to access any of the third-party websites linked to the Website, the User does so entirely at its own risk and subject to the terms and conditions of use for such websites.

Indemnification.

The User agrees to defend, indemnify, and hold harmless 3F, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to: (1) the User’s violation of these Terms of Use; (2) the User’s use of the Website, the Interface, or the Services, including but not limited to the User’s interactions with the Interface or other features which incorporate the Services, use of or reliance on the content on the Website or the Interface, services, and products other than as expressly authorized in these Terms of Use; (3) the User’s use or reliance on of any information obtained from the Website or the Interface; or (4) any other party’s access and use of the Website, the Interface, or the Services with the User’s assistance or by using any device or account that the User owns or control.

Governing Law & Jurisdiction.

All matters relating to the Website, the Interface, the Services, and these Terms of Use, 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 internal laws of Panama without giving effect to any choice or conflict of law provision or rule (whether of Panama or any other jurisdiction).

Arbitration; Class Arbitration Waiver.

In the event of a dispute between you, the User, and 3F (each a “Party” and collectively, the “Parties”) related to these Terms of Use or the breach thereof, the Parties shall participate in at least one (1) live or teleconferenced (i.e., using Zoom or a similar videoconferencing software that allows the Parties to communicate in real time) mediation session with the Panama Conciliation and Arbitration Centre (“CECAP”) in accordance with its procedural rules. The Parties agree to participate in mediation in good faith. The number of arbitrators shall be one. The seat, or legal place, of arbitration shall be Panama City. The language to be used in the arbitral proceedings shall be in English. The arbitral award shall be final for the Parties.

Limitation on Time to File Claims.

ANY CAUSE OF ACTION OR CLAIM EITHER 3F OR THE USER MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR ITS USE OF THE WEBSITE, THE INTERFACE, OR ANY OF THE SERVICES, MUST BE COMMENCED WITHIN SIX (6) MONTHS AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Waiver & Severability.

No waiver by 3F of any term or condition set out in these Terms of Use 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 3F to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use 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 Use will continue in full force and effect.

Entire Agreement.

The Terms of Use, the Privacy Policy, and any other document incorporated by reference herein constitute the sole and entire agreement between the User and 3F regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

Comments & Concerns.

All other feedback, comments, requests for technical support, and other communications relating to the Website should be directed to: inquiries@3f.xyz.