# Terms and Condition

Explore the detailed terms and conditions governing your use of Homnifi's services. Stay informed about our policies and legal guidelines.

**Last Updated: August 2026**

Welcome to the Homnifi Platform (the “**Platform**”, referring to the domain <https://homnifi.com/> and <https://app.homnifi.com>). These Terms and Conditions (“**Terms**”) constitute a legally binding agreement between Homnifi International LTD ("**Homnifi**", "**We**", "**Our**", "**Us**") and you, the user ("**User**", "**you**", "**your**"), governing the use of all services, content, features, and applications available through the Platform, including all domains associated with Homnifi (collectively, the "**Services**"). The Platform offers a suite of features designed to facilitate digital asset transactions, streamline user interactions, and ensure compliance with applicable regulatory standards.

These Terms explain how the User may use the Platform and any of its content. You shall read these Terms carefully before using our Platform. By accessing or using the Platform, you agree to abide by these Terms and explicitly acknowledge and accept the potential risks linked to digital assets and derivatives. Homnifi holds no responsibility for any adverse outcomes resulting from your Platform usage.

If you do not agree to these Terms, you must immediately cease using the Platform. These Terms incorporate, by reference, the Privacy Policy and any other policies or guidelines we provide (available at <https://docs.homnifi.com/>). All versions of these Terms provided in different languages are legally binding, but in case of inconsistencies, the English version shall prevail.

## 1. DEFINITIONS

1.1. “**Account**”: means the user profile and account created on the Homnifi to use the Services offered by the Platform.

1.2. “**Access Membership**”: refers to the Client Membership, which grants access to essential features of the Platform, subject to the payment of an annual fee. The applicable fee will be disclosed on the Partner Website at the time of subscription.

1.3. “**Internal Virtual Points**”: means various digital points (e.g., USDK, USDK PROMO, USDK-W, USDK-C, mLYK, sLYK, GIFT, among others) used exclusively within the Platform for the purposes of accessing, utilising, and enhancing the array of services, products, and features available.

1.4. “**Software Licence**”: means a grant issued by Homnifi (as the holder of intellectual property rights) in the form of non-fungible tokens (NFTs), entitling the User to use specific products and services on the Platform. This License can be acquired using Card or Wallet.

1.5. “**LYK Token**”: means the native token of the Platform, used for accessing services and products within the Homnifi ecosystem.

1.6. “**USDK**”: means a virtual point with a value of 1 (one) United States dollar, utilised for transactions within the Platform.

1.7. “**Partner Websites**”: means websites hosted by third parties that provide services that are accessible through links or integrations within the Platform.

## 2. ELIGIBILITY

2.1. To use the Platform, you must be at least 18 (eighteen) years old and legally capable of entering into binding contracts. If you are a legal entity, you must have the necessary corporate authority to agree to these Terms. By using our Platform and Services, you confirm that you meet this requirement.

2.2. Your use of the Platform must comply with the laws of your jurisdiction. Homnifi is not responsible for ensuring that the Platform is available or legal in all territories. You are solely responsible for ensuring that your use of the Platform is compliant with local laws.

2.3. Certain services or features may have additional eligibility requirements. You are solely responsible for ensuring that your use of our Platform or Services does not violate any applicable laws, including sanctions imposed by international authorities such as the Office of Foreign Assets Control (OFAC) and the Financial Action Task Force (FATF).

2.4. Homnifi reserves the right to deny access to the Platform or the Services to individuals or entities that are on restricted lists, such as those imposed by the OFAC, FATF, or other regulatory bodies.

## 3. ACCEPTANCE OF TERMS

3.1. These general Terms govern the decentralised Web3 services provided by Homnifi, a limited liability company incorporated and registered under the laws of the British Virgin Islands, to its Users through the Platform.

3.2. By accessing or registering on the Platform, you agree to these Terms in full. Any continued use of the Platform following modifications or updates to these Terms constitutes your acceptance of the revised terms.

3.3. If you access certain portions of the Platform or Services that are governed by additional terms, those terms shall supplement these Terms. In the event of any conflict, the additional terms will prevail concerning the specific portions of the Platform or Services they govern.

3.4. By using the Platform or continuing to engage with NodeK or CloudK services, you agree to be bound by all applicable Agreements, including (i) the CloudK Minting Agreement, (ii) the NodeK Minting Agreement, and, where applicable, (iii) the Migration Agreement. These Agreements collectively govern your rights, linking entitlements and responsibilities across the Platform. In the event of any conflict between these Terms and any such Agreement, the terms of the relevant Agreement shall prevail solely with respect to its subject matter.

## 4. ACCOUNT REGISTRATION, SECURITY AND MEMBERSHIP

4.1. In order to be eligible to access the features and services of the Platform, you must create an account by providing accurate information, including your email address and other details required for registration. Upon registering as a User, e-mail confirmation is required to ensure the authenticity of the provided e-mail address. In order to access the Platform's full functionalities, an active Access Membership is required. You may visit the HorysMall platform to purchase the membership.

4.2. Upon log in, you must enter your registered e-mail address and password. You are solely responsible for maintaining the confidentiality of your account credentials (e.g., password, private keys). You must set up and use multi-factor authentication (MFA or 2FA) to enhance security. Homnifi will not be liable for any unauthorised transactions, and you accept all risks associated with failing to secure your account.

4.3. The Access Membership is subject to an annual fee, which is processed exclusively through the Partner Website, Horysmall. To retain uninterrupted access to the full range of Platform features, the membership must be renewed annually. Users will be notified in advance of the upcoming expiry for renewal.

Failure to renew the membership within the designated grace period may result in the suspension of the account or restricted access to certain Platform features. The scope of such limitations, as well as continued eligibility for benefits, may vary depending on the specific membership type.

In the event of a delayed renewal for memberships expiring on or before 31 October 2025, the new membership term may be deemed to commence from the original expiry date, irrespective of the actual payment date. Conversely, for memberships expiring after 31 October 2025, the renewed membership term shall commence from the actual date of renewal, unless expressly stated otherwise. In either case, access to Platform features will remain restricted until the membership fee is duly paid and the account is reinstated to active status.

Please note that any rewards, commissions, or other membership benefits missed during the inactive period will not be recoverable or retroactively applied following reactivation.

We reserve the right to revise the Access Membership pricing at our sole discretion, at any time and without prior notice. Any such revised pricing shall become effective upon its publication on the Partner Website, unless otherwise stated. Continued use of the membership or failure to cancel prior to renewal shall constitute acceptance of the updated pricing terms.

## 5. AML/KYC COMPLIANCE

5.1. Homnifi is committed to complying with all Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. To this end, Homnifi may request further information from you, including personal details and verification documents and you must provide accurate, complete, and verifiable information when requested.

5.2. Homnifi reserves the right to verify user information for compliance purposes. If you fail to provide required information or fail verification, your account may be restricted or terminated. Homnifi may, at its discretion, suspend transactions or freeze assets if it suspects illegal activities.

5.3. You authorise Homnifi to verify your identity through third-party service providers. Failure to provide required KYC documentation or to pass our verification checks may result in restrictions on your account, including the suspension of transactions or freezing of assets.

5.4. Types of Documentation (non-exhaustive list for exemplification purposes, documents and information may vary):

5.4.1. Personal Documents – for individual users, the following documents may be requested as part of the AML/KYC verification process:

5.4.1.1. Government-Issued Photo ID: passport, national identity card, or driver’s licence;

5.4.1.2. Proof of Address: utility bill, bank statement, or government correspondence (issued within the last 3 (three) months) showing the user's full name and residential address;

5.4.1.3. Selfie with ID: a photograph of the user holding their government-issued photo ID to verify identity; or Liveness Selfie;

5.4.1.4. Date of Birth Verification: document confirming the user’s date of birth, such as a birth certificate, passport, or national ID card;

5.4.1.5. Source of Funds: documentation proving the legitimate origin of the funds to be used or deposited on the Platform, such as a bank statement, pay slip, or tax return.

5.4.2. Corporate Documents – for users representing legal entities or businesses, the following corporate documentation may be requested as part of the AML/KYC verification process:

5.4.2.1. Certificate of Incorporation: official certificate proving the registration of the company with the relevant authorities;

5.4.2.2. Articles of Association/Bylaws: documentation outlining the governance structure and operating rules of the entity;

5.4.2.3. Company Extract or Registry Certificate: proof of company registration from the applicable national business registry, including the company’s directors, officers, and shareholders;

5.4.2.4. Proof of Business Address: recent utility bill, bank statement, or lease agreement issued to the company’s registered business address;

5.4.2.5. Proof of Ownership/Shareholding: documents showing the ownership structure of the company, such as share certificates or shareholder agreements;

5.4.2.6. List of Directors and Officers: a complete list of the company’s directors and officers, including their names and positions;

5.4.2.7. Ultimate Beneficial Owner (UBO) Declaration: a declaration identifying the ultimate beneficial owners of the company, i.e., individuals who own or control a significant percentage of the business;

5.4.2.8. Financial Statements: recent audited financial statements, bank statements, or tax returns that demonstrate the company's financial standing; and

5.4.2.9. Business Licence: if applicable, proof of the entity's authorization to conduct business activities in its jurisdiction.

5.5. The passing of the KYC/AML requirements is mandatory for Users to get full access to all the functionalities of the Platform and the Services.

5.6. The collection and use of personal data during the KYC/AML process is governed by the [Privacy Policy](https://docs.homnifi.com/legal-docs/privacy-and-cookies).

## 6. WALLET AND TOKEN MANAGEMENT

6.1. Non-Custodial Nature: the Platform operates as a non-custodial wallet (“Platform Wallet”), meaning Users retain full control over their tokens, including but not limited to LYK, mLYK, and sLYK. Homnifi does not hold or store tokens on behalf of Users.

6.2. Deposits and Withdrawals: you can deposit tokens into your Platform Wallet by transferring them from external sources, and you may withdraw tokens to external wallets (following a withdrawal request on the Platform). Withdrawal requests are subject to a flat network fee and a percent-based commission. Withdrawals will be processed via smart contracts, and Homnifi is not liable for delays caused by network congestion or technical failures. The tokens Users are allowed to withdraw are USDK-W and LYK-W and HMF Promo.

6.3. Internal Transfers: you may conduct internal transfers between Users on the Platform. These transfers are instant and secure, but Homnifi does not guarantee the completion of transactions initiated by external factors (e.g., third-party networks or smart contract errors).

6.4. Additional Tokens: Homnifi reserves the right to introduce or discontinue additional tokens at any time. Any changes to the tokens in use will be posted on the Homnifi WIKI under the section “[Wallet on Homnifi](https://docs.homnifi.com/homnifi-101/wallet-on-homnifi).

6.5. Unauthorised Token Transactions: Homnifi disclaims all liability for unauthorised token transactions facilitated by third-party websites or platforms not affiliated with Homnifi. Any third-party website or service that facilitates the assignment, transfer, or sale of the Platform’s tokens, or that claims to handle transactions involving the Platform’s tokens (and is not expressly authorised by Homnifi within these Terms), is not affiliated with or endorsed by Homnifi. Homnifi disclaims any legal or commercial relationship with such third-party websites or services

6.6. By activating the GAS LYK Wallet (“**Gas Wallet**”) on the Platform, you agree to the following Terms and Conditions. Please read them carefully before proceeding.

6.6.1. Purpose of the Gas Wallet: The Gas Wallet is provided to help you seamlessly manage gas fees for blockchain-based operations performed on the Platform and its associated protocols. It is pre-configured to ensure smooth execution of your on-chain activities without requiring manual gas payments each time.

6.6.2. Automatic Gas Fee Deductions: When you initiate an on-chain action (e.g., staking, linking, claiming, governance participation), the required gas fees will be automatically deducted from your Gas Wallet balance. This automated deduction process is essential to ensure timely and uninterrupted transaction execution.

6.6.3. Refills and Balance Requirements: You are responsible for maintaining a sufficient balance in your Gas Wallet to cover the gas fees associated with your intended activities. If your balance is low or insufficient, certain features or transactions may be delayed, queued, or disabled until a refill is completed. You can top up the Gas Wallet via the Platform using supported funding options.

6.6.4. Gas Wallet Usage Conditions: The Gas Wallet is designed solely for use within the Platform. It may not be used for sending, receiving, or storing tokens beyond its intended operational scope. Gas fee usage is strictly limited to enabling protocol functions authorized by you through Platform interactions.

6.6.5. Platform Adjustments and Notifications: Homnifi may update gas fee thresholds, deduction logic, or refill mechanisms to adapt to network changes or platform improvements. Whenever possible, such changes will be reflected in the interface or communicated through platform alerts.

6.6.6. Acknowledgment and Consent: By continuing, you acknowledge and accept that gas fees will be auto-debited from your Gas Wallet as required to support your on-chain operations. You understand and agree that maintaining a sufficient balance is your responsibility to ensure successful execution of actions on the Platform.

## 7. ACCESS TO PRODUCTS AND FEATURES

7.1. Homnifi operates as an interface that facilitates the connection and visualisation of several Partner Websites products and services. Homnifi does not offer products or services of its own but acts as a platform enabling access to various applications from a single interface.

7.2. By using the Platform and these Partner Websites services, Users agree to be bound by these Terms and any applicable terms of Partner Websites (before interacting with those services). Homnifi connects Users with various third-party services, including:

#### 7.2.1. Horysmall

Homnifi facilitates the shopping features available on the Horysmall section of the Platform. Through Horysmall, Users can engage in purchasing products and making payments. Payment options include, but are not limited to, USDK Balance and USDK PROMO. Additionally, Users have the flexibility of utilizing a combination payment method, allowing multiple currencies to be used for payment. Please note that the commission points and volume points associated with combination payments may be adjusted at the sole discretion of Horysmall. For further details regarding accepted currencies, visit <http://app.homnifi.com>.

For information on payment methods and applicable commission points, refer to the Horysmall documentation website available on <https://docs.horysmall.com/horys-mall/purchasing-products>. Website: [www.horysmall.com](http://www.horysmall.com).

#### 7.2.2. Rampstarter

Rampstarter is a feature that allows users to access and support high-potential blockchain projects. With Web3 accessibility, Rampstarter provides users with tools to analyse vetted crypto and blockchain ventures. Users can support projects based on their individual goals and preferences in the Web3 space.

Website: <https://rampstarter.com/>.

#### 7.2.3. QuantWise

QuantWise is a platform providing Users with resources and tools for education and market analysis in the cryptocurrency industry. QuantWise offers live training, industry reports, and market updates. Through advanced AI-driven tools, QuantWise helps Users make smarter decisions and stay at the forefront of the evolving crypto market. Website: <https://quantwise.ai/>.

#### 7.2.4. CloudK 2.0

CloudK 2.0 is an internal feature of the Platform that provides blockchain support services through the CloudK protocol. By combining physical hardware and LYK tokens for a specified period, CloudK 2.0 supports the operations of the blockchain network. The service issues daily rewards to participants and provides an option for reallocating rewards to promote organic growth while enhancing security and decentralisation of the network.

Website: <https://layerk.com/>.&#x20;

#### 7.2.5. NodeK 2.0

NodeK 2.0 operates similarly to CloudK 2.0, offering blockchain network support via the NodeK protocol. This service involves physical hardware combined with LYK tokens and distributes daily rewards to participants. The rewards can be reallocated to foster organic growth and reinforce security and decentralisation.

Website: <https://layerk.com/>.&#x20;

7.3 Homnifi may charge a recurring maintenance fee to Users in connection with the use of certain products or services accessible through the Platform, including but not limited to fees related to hardware upkeep, infrastructure support, or associated operational expenses. The amount, frequency, and applicability of such maintenance fees shall be determined solely by Homnifi and may be revised from time to time at Homnifi’s discretion. Homnifi shall provide Users with reasonable notice, through the Platform or via other means of communication reports, of any changes to applicable maintenance fees. Continued use of the Platform and its associated services after such notice constitutes acceptance of the revised fees.

7.4. By accessing and using the third-party services and applications through the Platform, you agree to comply with these Terms and the terms and conditions of those services in their entirety. Users acknowledge that they have read, understood, and agreed to all terms and obligations contained herein, and are required to comply with all the specifications and terms set out by both Homnifi and the Partner Websites. Homnifi does not control or guarantee the performance or legality of third-party services.

7.5. In order to access all of the features and platforms mentioned above, users are required to pay the Access Membership fee. Without payment of this fee, access to full platform functionality and third-party services will be restricted. Homnifi reserves the right to suspend access to any features if the membership fee is not paid.

## 8. EXTERNAL APPS MARKETPLACE

#### **8.1. External Applications**

Homnifi facilitates access to external applications (e.g., Web3 applications). These third-party apps are not controlled by Homnifi, and Homnifi makes no representations regarding their security, reliability, or legality.

#### 8.2. Assumption of Risk

By using external apps, you acknowledge that such apps are outside of Homnifi's control. Homnifi disclaims all responsibility for any loss, damage, or security breaches arising from the use of external applications.

## 9. REFERRAL PROGRAM

9.1. From time to time, Homnifi may offer Users the opportunity to participate in referral programs or promotional campaigns (each a “**Referral Program**”). Participation in any Referral Program is subject to these Terms and any additional rules or guidelines issued by Homnifi from time to time.

9.2. By participating in a Referral Program, Users may refer new Users to the Platform ("**Referred Users**"). Each User accessing the Platform is a direct user of Homnifi. Users who introduce new Users ("**Referrer**") are eligible to receive referral rewards subject to the terms of this Section 9.

9.3. Referrers are eligible to receive referral rewards for up to 90 (ninety) days following the Referred User's registration date. After this period, the Referred User may submit a written request to <support@homnifi.com> to change their Referrer, providing a valid reason. Homnifi reserves the right to assess and approve such requests after internal review. Homnifi will respond to such requests within 30 (thirty) days of receipt.

9.4. By participating in a Referral Program, you agree that you will not, directly or indirectly, engage in, promote, or take part in any referral or promotional program provided by any business, project, or platform that offers services or products substantially similar to, or in competition with, those of Homnifi (“**Competing Referral Program**”).

9.5. Homnifi further reserves the right to interpret and determine what constitutes a Competing Referral Program and may amend the eligibility criteria at any time without prior notice.

9.6. Rewards, if any, provided under a Referral Program, are subject to change or cancellation at Homnifi’s sole discretion. Referral rewards do not represent commissions or payments for services and do not establish any agency, partnership, or employment relationship between the User and Homnifi.

9.7. Homnifi reserves the right, at its sole discretion, to monitor Referrer’s activity within the Platform.

A Referrer may be deemed inactive if they do not actively participate in, promote, or contribute to the growth of the Platform’s services or community — including, but not limited to, participation in programs, engagement with users, or maintenance of an active membership or subscription — for a continuous period of three (3) months or more.

9.8. Homnifi reserves the right, at its sole discretion, to disqualify a User from the Referral Program, revoke any rewards granted, suspend or terminate access to the Platform or Services, or reallocate Referred Users if:&#x20;

(a) The Referrer is found to be participating in a Competing Referral Program, or if such conduct is reasonably suspected;&#x20;

(b) The Referrer is determined to be inactive pursuant to Section 9.7;&#x20;

(c) The Referrer violates these Terms or any applicable policies or applicable Partner Website terms;&#x20;

(d) The Referrer fails to provide adequate support or communication to their Referred Users, as verified by Homnifi through internal review;&#x20;

(e) The Referred User requests reassignment to another Referrer or to Homnifi directly;&#x20;

(f) The reassignment is deemed necessary by Homnifi to maintain fairness, compliance, or service quality.

9.9. Without limiting Homnifi’s rights under Section 9.8, if a Referrer is disqualified or determined to be inactive, Homnifi may, with or without prior notice, take one or more of the following actions:

(a) Reallocate Referred Users to another active Referrer to ensure operational integrity and continuous user support;

(b) Adjust, reduce, or suspend rewards or benefits associated with inactive or non-compliant accounts;

(c) Suspend or terminate participation in the Referral Program or access to certain features of the Platform.

Homnifi’s determination of activity level, inactivity, or breach shall be made in good faith, based on objective criteria and internal review.

9.10. Users who receive notice under Section 9.9 may submit a written appeal to <support@homnifi.com> within 15 (fifteen) days of receiving such notice, providing evidence or explanation regarding their activity level or compliance status. Homnifi will review and respond to appeals within 30 (thirty) days of receipt.

9.11. By continuing to use the Platform and participating in the Referral Program, Users acknowledge and agree that Homnifi may review and modify account relationships, reallocate Referred Users, and adjust rewards as described in this Section 9, subject to the notice and appeals provisions herein.

## 10. PAYMENT METHODS AND TRANSACTION FEES

10.1. Payment Options: Users may use USDK and other tokens supported by the Platform to make payments for products and services. Combination payments using multiple currencies are allowed but are subject to commission adjustments at Homnifi’s discretion.

10.2. Transaction Fees: all transactions, including internal transfers and withdrawals, are subject to network fees and commission charges as applicable.

## 11. COMPUTER DEVICE ACQUISITION

11.1. Users may acquire computer devices (“**Devices**”) via the In-House method (device operated by the Platform) or the Delivery/Pick Up method (device delivered to/picked up by the User). Fees associated with these methods will be disclosed at the time of acquisition. Homnifi disclaims all liability for delays or issues arising during the shipping or setup of computer devices.

11.2. Payment of the applicable shipping or delivery fee is mandatory in order to support the LayerK decentralized network of devices, which underpins the utility and scalability of the project and its community. Users are granted a 60 (sixty) day period from the date of purchase to settle the shipping or delivery fee for their respective devices. Failure to make the required payment within this period shall result in the suspension of rewards associated with the device until the outstanding fee is paid. No retroactive or back-pay of such rewards will be made once the fee has been settled.

11.3. In addition to the payment options outlined above, Homnifi may provide Users with subsidized payment arrangements linked to device acquisition, including but not limited to the 20/80 NodeK Plan described under Clause 12 below. Participation in such arrangements shall be subject to the specific conditions of the relevant Plan, which prevail in case of conflict with this Clause.

11.4. The computer device and/or extensions provided to the Users, whether through delivery or pick-up, may differ in appearance, design, technical specifications, or quantity from the representations shown on the Homnifi platform or at the time of purchase.

11.5. Homnifi reserves the right, at its sole discretion, to substitute the acquired device with the most current version or available stock, including upgraded or different-generation models, as supported by the Platform at the time of fulfillment. Such substitutions shall not be deemed a breach of agreement and shall be considered acceptable fulfillment of the purchase.

## 12. 20/80 NODEK PLAN

12.1. Homnifi may, at its sole discretion, offer Users the option to acquire NodeK machines through a subsidized payment arrangement known as the “20/80 NodeK Plan”. Under this Plan, the User pays 20% (twenty percent) of the purchase price upfront, while the remaining 80% (eighty percent) (the “**Deferred Amount**”) is deferred.

12.2. By selecting the 20/80 NodeK Plan, the User acknowledges and agrees that:

12.2.1. the Deferred Amount shall be repaid through the automatic deduction of daily rewards generated by the respective NodeK device;

12.2.2. such deductions will continue until the full Deferred Amount has been recovered by Homnifi; and

12.2.3. during the repayment period, the User shall receive only the residual portion of rewards, if any, after applicable deductions.

12.3. Repayment is device-specific and linked to the NodeK machine purchased under this Plan. If multiple NodeK machines are acquired under the 20/80 NodeK Plan, the repayment obligation and reward deductions shall apply proportionately and independently to each corresponding device.

12.4. Homnifi reserves the right to suspend reward withdrawals or access to linking functions for any device enrolled under the 20/80 NodeK Plan if:

12.4.1. the repayment system is tampered with; or

12.4.2. the User attempts to circumvent deduction logic via fraudulent or technical means.

12.5. For transparency purposes, Homnifi may display repayment progress and current balance information on the User’s Platform dashboard. By accepting the 20/80 NodeK Plan, the User consents to such disclosure.

## 13. DISTRIBUTED RESOURCE PARTICIPATION AND DEVICE UTILIZATION

#### 13.1. Participation Model

The above-referred Devices, are designed to operate as part of a distributed digital infrastructure network.

Ownership of the Device remains with the User. However, by purchasing, activating, or using the Device, the User agrees to participate in the Homnifi’s distributed resource network under the terms set forth in this Section.

#### 13.2. Grant of Limited License

The User hereby grants Homnifi a **limited, revocable, non-exclusive, non-transferable license** to access and utilize a portion of the Device’s:

* computational power (CPU and/or GPU),
* storage capacity,
* network bandwidth and connectivity,
* operational uptime,

for the sole purpose of enabling participation in the distributed infrastructure services operated by Homnifi.

This license does not constitute a transfer of ownership or permanent control over the Device.

#### 13.3. Embedded System Software and Autonomous Functionality

The Device operates through proprietary **embedded system software** installed at system level, which is essential for its intended functionality.

The User acknowledges and accepts that:

* such embedded system software may autonomously allocate system resources,
* background processes may operate without manual initiation,
* the Device may communicate with remote servers and distributed network nodes,
* certain operations may run continuously or intermittently to support network functionality.

These operations are integral to the Device’s design and constitute a core component of the service provided.

#### 13.4. Explicit User Consent

By activating, connecting, or using the Device, the User provides **explicit, informed, and affirmative consent** to:

* the automated utilization of device resources,
* participation in distributed network activities,
* execution of software processes as described herein.

If the User does not agree with these terms, the Device must not be activated or used.

#### 13.5. Network Usage and Connectivity

The User acknowledges that participation in the distributed network may result in:

* generation of outbound and inbound internet traffic,
* use of bandwidth provided by the User’s internet service provider,
* continuous or periodic network connectivity requirements.

The User is solely responsible for any costs, limitations, or restrictions imposed by their internet provider.

#### 13.6. Remote Management and Updates

Homnifi reserves the right to:

* remotely update, patch, and upgrade the embedded system software,
* configure and optimize Device performance,
* deploy security updates and operational improvements,
* monitor system health and performance metrics.

Such actions are necessary to maintain network integrity, security, and efficiency.

#### 13.7. Compliance and Lawful Use

Homnifi represents that it does not intentionally utilize Device resources for unlawful purposes.

All operations are designed to comply with applicable laws and regulations, including but not limited to data protection, telecommunications, and digital infrastructure frameworks.

#### 13.8. Data Handling and Privacy

The Device may generate and transmit technical data, including but not limited to:

* device performance metrics,
* system logs,
* network activity data,
* anonymized operational analytics.

Such data is processed in accordance with applicable data protection laws, including GDPR where applicable. No personal data is intentionally collected beyond what is necessary for operation, maintenance, and legal compliance.

#### 13.9. Limitation of Liability

To the maximum extent permitted by law, Homnifi shall not be liable for:

* indirect or incidental damages arising from Device operation,
* network-related consequences or third-party actions,
* service interruptions or performance variations,
* any impact related to internet usage or connectivity.

#### 13.10. Opt-Out and Deactivation

The User may request to opt out of participation in the distributed network.

The User acknowledges that:

* opting out may significantly limit or disable core Device functionality,
* certain features may no longer be available,
* the Device may not operate as originally intended.

#### 13.11. No Expectation of Manual Control

The User understands that the Device is designed to operate as part of an automated infrastructure system. As such:

* full manual control over all processes may not be available,
* certain operations are system-managed and not user-configurable.

#### 13.12. Nature of the Service

The User acknowledges that the Device is part of a distributed infrastructure system and:

* does not function as a traditional personal computing device,
* is not intended for unrestricted general-purpose use,
* operates within a controlled software environment.

Participation is voluntary and based on acceptance of this operational model.

## 14. RISKS

14.1. By accessing the Platform and the Services, Users acknowledge and accept the inherent risks associated with the use of the Platform and the Services. Homnifi diligently strives to furnish state-of-the-art systems and implement robust security measures. Nonetheless, certain issues and risks are unavoidable. If such issues or problems arise in connection with your use of our Platform or the Services, resolution timelines may vary, and certain issues may remain unresolved. By agreeing to these Terms, you acknowledge that Homnifi is not responsible for the aforementioned risks and shall not be held liable for such issues or any resulting losses.

14.2. Users are solely responsible for assessing the Services prior to utilisation, and all transactions facilitated through the Services are final, irreversible, conclusive, and non-refundable. The Services may be disabled, disrupted, or adversely affected by sophisticated cyber-attacks, increases in activity, computer viruses, and/or other operational or technical challenges, among other factors. Homnifi explicitly disclaims any ongoing obligation to notify Users of all potential or emerging risks associated with the access to or use of the Platform or the Services. By utilising the Platform and the Services, Users acknowledge and accept these risks, and they agree not to hold Homnifi liable for any resulting losses or damages.

14.3. Users further acknowledge and accept that certain elements of the Platform, including the economic mechanisms underlying the LayerK ecosystem - such as its tokenomics, inflation models, and algorithms - are subject to future modifications, updates, or amendments through decisions enacted by a decentralised autonomous organisation (DAO) governance structure. Homnifi does not control such governance mechanisms and shall bear no liability for any changes, consequences, or outcomes resulting from such decentralised governance decisions, including but not limited to any adjustments impacting token supply, utility, or value.

14.4. For further information on Homnifi’s associated risks, please refer to our [Risk Disclosure Policy](https://docs.homnifi.com/legal-docs/risk-disclosure).

## 15. INTELLECTUAL PROPERTY RIGHTS

15.1. All intellectual property rights, including but not limited to copyrights, trademarks, design rights, patents, and trade secrets, in the Platform and Services are owned by Homnifi or our licensors. You are granted a limited, non-exclusive, non-transferable, and revocable software licence to use the Platform and Services for your personal, non-commercial use only.

15.2. You may not reproduce, modify, distribute, create derivative works from, reverse-engineer or use any part of the Platform for commercial purposes without prior written consent from Homnifi. Unauthorised use may result in the termination of your account and legal action.

## 16. PROHIBITED ACTIVITIES

16.1. As a condition of using the Platform and the Services, Users agree not to:

16.1.1. Use the Platform or the Services for any unlawful purposes or in violation of any applicable laws.

16.1.2. Misuse or attack the Platform by knowingly introducing viruses, trojans, worms, logic bombs, or any other material that is malicious or technologically harmful (such as but not limited to denial-of-service attack).

16.1.3. Post false, inaccurate, misleading, defamatory, unlawful, harassing, libellous, privacy-invading, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable content on our Platform or through our Services and in any other kind of social media platforms or private websites.

16.1.4. Use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, licence, sell, or otherwise exploit, for any purpose, any content of the Platform not owned by them in a way that violates someone else’s rights.

16.1.5. Impersonate another person or entity or misrepresent your affiliation with any person or entity.

16.1.6. Attempt to gain unauthorised access to our Platform, the server on which our Platform is stored, or any server, computer, or database connected to our Platform.

## 17. DATA PRIVACY

17.1. The collection and use of personal data are governed by our [Privacy and Cookies Policy](https://docs.homnifi.com/legal-docs/privacy-and-cookies). By using the Platform or the Services, you consent to our collection, processing, and use of personal data in accordance with the Privacy Policy.

17.2. Homnifi takes all necessary steps to protect your data but cannot guarantee that unauthorized third parties will not be able to circumvent our security measures.

## 18. PARTNER WEBSITES AND SERVICES

18.1. The Site contains links to Partner Websites and third-party services that are not owned or controlled by Homnifi. Homnifi is not responsible for the content, privacy policies, or practices of third-party websites or services.

18.2. Homnifi makes no representations or warranties about the reliability of Partner Websites or third-party services, and Users should review third-party terms and conditions before using such services.

## 19. WARRANTIES DISCLAIMER

19.1. Homnifi provides the Platform and the Services “as is” and “as available” and makes no warranties of any kind, express or implied, regarding its functionality, merchantability, security, reliability, fitness for a particular purpose or non-infringement. Users assume all risks associated with the use of the Platform, the Services and the Digital Assets.

19.2. Homnifi does not warrant that (i) the Platform will function uninterrupted, secure, or available at any particular time or location, or will be error-free or free of harmful components; (ii) any errors or defects will be corrected; (iii) the Platform is free of viruses or other harmful components; (iv) any content and data will be secure or not otherwise lost or damaged; (v) the results that may be obtained from the use of the Services will be accurate or reliable; or (vi) the results of using the Platform will meet your requirements or expectations. You assume all risks associated with the use of the Platform or the Services, including but not limited to the risk of data loss or exposure due to security breaches or software bugs.

## 20. ACCURACY OF INFORMATION

20.1. Homnifi endeavours to ensure the accuracy, currency, and bug-free nature of the Platform, but shall not be held responsible for any failure attributable to causes beyond its control. Homnifi does not guarantee that the Platform is suitable for any specific purpose. Users’ reliance on the information provided on the Platform is at their own risk.

20.2. Homnifi reserves the right to suspend or terminate access or operation of the Platform or the Services at its discretion. Any content on the Platform is for general informational purposes only, providing information about us, our products, news, features, services, and other Partner Websites services that may be of interest. However, this content has not been tailored to the Users specific requirements or circumstances and does not constitute technical, financial, legal advice, or any other type of advice. It should not be relied upon for any purpose. Users should exercise their independent judgement when using our Platform and its content.

20.3. Homnifi strives to keep the Platform and the Services available for Users, but it does not guarantee uninterrupted access or consistent availability.

## 21. LIMITATION OF LIABILITY

21.1. To the fullest extent permitted by law, Homnifi and its affiliates, officers, directors, employees and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or related to your use or inability to use the Platform or the Services, including but not limited to loss of revenue, profits, data or Digital Assets, even if Homnifi has been advised of the possibility of such damages.

21.2. In no event shall Homnifi’s total liability exceed the greater of the amount you have paid for the Services and the Access Membership fee in the last 12 (twelve) months regardless of the form of action, whether in contract, tort (including negligence), strict product liability or any other cause of action or legal or equitable theory.

21.3. The Company expressly disclaims all responsibility and liability for any conduct, actions, omissions, statements, representations, assurances, warranties, projections, or promises made or performed by any third parties, referrers, introducers, affiliates, collaborators, or other persons who have not been granted an explicit and prior written delegation or mandate by the Company.

Any such acts, statements, or conduct shall be deemed to fall entirely outside the scope of any authority conferred by the Company. In particular, the Company shall bear no responsibility or liability for any unauthorised representations or assurances relating to use of the Platform, its Services and operation of the Platform, whether oral or written, which may be made to Users without the Company’s prior written authorisation.

Such unauthorised persons shall be deemed to act solely in their own name and on their own behalf, and no agency, partnership, representative, or fiduciary relationship of any kind shall be deemed to exist between such persons and the Company.

Users expressly acknowledge and agree that only individuals or entities expressly authorised in writing by the Company are entitled to act on its behalf, and that the Company shall not be liable for any loss, damage, or reliance arising from any misleading, inaccurate, or unauthorised statements, warranties, or commitments made by third parties without such authorisation.

## 22. INDEMNIFICATION

22.1. Users (herein referred to as the “Indemnifying Parties”) agree to indemnify and hold harmless Homnifi and its affiliates, officers, directors, employees and agents (herein referred to as the “Indemnified Parties”) from and against any and all claims, demands, suits, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to their (i) use of the Platform or the Services, (ii) violation of applicable laws, regulations, or governmental requirements or (iii) breaches of these Terms or infringement of any rights of another.

22.2. The Indemnifying Parties indemnification obligations are contingent upon the Indemnified Parties:

22.2.1. Promptly notify the Indemnifying Party of any claim or potential claim subject to indemnification;

22.2.2. Cooperating fully with the Indemnifying Party in the defence or settlement of any such claim; and

22.2.3. Allowing the Indemnifying Party to control the defence and settlement negotiations, provided that the Indemnifying Party acts reasonably and in good faith.

22.3. This indemnification clause shall survive the termination or expiration of these Terms. The Indemnifying Parties indemnification obligations herein are not subject to any limitation of liability or exclusion of consequential damages set forth in these Terms. This clause is a material provision of these Terms, and both parties acknowledge and agree to its significance.

## 23. FORCE MAJEURE

Homnifi shall not be held liable for any failure to comply with these Terms due to circumstances beyond our reasonable control, including but not limited to governmental actions, acts of terrorism, war, fires, disruptions in telecommunications or internet services, network provider issues, software malfunctions, network-wide compromises, hacking, strikes, labour disputes, accidents, civil or military disturbances, or other catastrophic events. In no Force Majeure event shall Homnifi be responsible for inaccuracies, errors, delays, omissions, service disruptions, or interruptions in the Platform or the Services, whether in transmission or delivery of information as required by these Terms.

## 24. TERMINATION

24.1. Homnifi may, at its sole discretion and to the extent permitted by applicable law, suspend, block, restrict, deactivate, or terminate a User’s Account or access to the Platform or Services, with or without prior notice.

This may occur, including but not limited to, where:&#x20;

(a) the User breaches these Terms, any applicable agreement, policy, or Partner Website terms;&#x20;

(b) the User fails to meet KYC, AML, sanctions, security, payment, eligibility, or other compliance requirements, provides inaccurate or incomplete information;&#x20;

(c) Homnifi suspects unauthorised access, hacking, fraud, or other security concerns;&#x20;

(d) the User engages in prohibited, abusive, inappropriate, or harmful conduct, including through a connected platform;&#x20;

(e) the User requests closure of their Account;&#x20;

(f) the User’s access is no longer required in connection with their role or relationship with Homnifi; or&#x20;

(g) the User infringes or is suspected of infringing Homnifi’s or any third party’s intellectual property or other rights;

(h) action is necessary to protect Homnifi, its affiliates, Partner Websites, Users, or third parties; or

(i) Homnifi otherwise considers such action necessary for legal, compliance, security, operational, business, or reputational reasons.

24.2. Upon suspension, blocking, restriction, deactivation, or termination, the User’s access to and right to use the affected Account, Platform, Services, features, or functionality shall immediately cease or be limited to the extent determined by Homnifi.

24.3. Users acknowledge and agree that having their access to the Platform and Services terminated for any reason may lead to loss of assets without any rights and/or reparations against the Homnifi, its shareholders, directors, employees, partners or any associated entity.

24.4. Homnifi retains the right to report individuals to the appropriate authorities, and invoke remedies as permitted by applicable laws in cases prohibited activities are identified

24.5. A suspended, blocked, restricted, deactivated, or terminated Account may remain in Homnifi’s systems and may be reactivated at Homnifi’s discretion. The Account’s status does not by itself determine eligibility for any rewards, benefits, Internal Virtual Points, commissions, or other entitlements, which shall remain subject to the applicable product terms, eligibility requirements, and Homnifi’s rights under these Terms.

24.6. Homnifi may, at its sole discretion, periodically permanently terminate and delete an Account and its associated data from the Platform and active Homnifi systems where the Account is inactive, no longer required, unsuitable for continued retention, or where Homnifi otherwise considers permanent deletion appropriate for legal, compliance, security, operational, business, or data-management reasons. A permanently deleted Account cannot be restored or reactivated.

## 25. SEVERABILITY

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.

## 26. ENTIRE AGREEMENT

These Terms, together with all Homnifi’s policies and any additional terms, constitute the entire agreement between you and Homnifi concerning the use of the Platform and the Services. Any prior agreements or understandings, whether oral or written, are superseded by these Terms.

## 27. MODIFICATIONS TO TERMS

27.1. Homnifi is consistently engaged in the ongoing development and improvement of the Platform and the Services and reserves the right to unilaterally amend or update these Terms at any time. We will post any updates of the Terms to the Platform. Continued use of the Platform and the Services constitutes acceptance of the modified Terms.

27.2. Amendments to these Terms will take effect immediately upon posting on the Platform. It is your responsibility to review these Terms regularly to ensure you are aware of any changes.

## 28. DECENTRALIZED AUTONOMOUS ORGANIZATION (DAO) GOVERNANCE

#### 28.1 Governance Scope

The LayerK Protocol and Homnifi Protocol are governed by a Decentralized Autonomous Organization (“**DAO**”). The DAO serves as the ultimate decision-making authority for all matters related to the development, evolution, implementation, and operation of the protocols, including but not limited to reward models, tokenomics, fee structures, validator requirements, ecosystem incentives, and platform upgrades. The DAO is not a legal entity, partnership, joint venture, or agency. Decisions are made collectively by governance token holders, and Homnifi does not unilaterally control governance outcomes.

#### 28.2 Binding Nature of DAO Proposals

Any proposal duly passed through the DAO’s governance process via community voting shall be considered final, conclusive, and binding on all stakeholders, including token holders, platform users, contributors, and any affiliated parties upon execution via the relevant smart contract, as governed by the DAO parameters. No individual, entity, regulator, or stakeholder shall have the right to contest, override, or seek recourse against a duly enacted DAO resolution.

#### 28.3 Participation and Voting Rights

Governance rights are granted to eligible participants holding governance tokens (GLYK) or other qualifying assets as defined by the DAO's operating framework. Voting mechanisms may include token-weighted voting, quadratic voting, or staking-based participation, as specified in the protocol’s governance documentation. Participation in voting is entirely voluntary but irrespective of participation, users acknowledge and agree to be bound by the results. These governance tokens, such as GLYK, do not confer ownership, dividends, revenue share, or profit expectations, and are not a financial product, security, or investment instrument.

#### 28.4 Non-Liability and No Fiduciary Duty

The DAO, its contributors, developers, and affiliated platforms (including but not limited to Homnifi and LayerK), do not owe any fiduciary or legal duty to participants, voters, or stakeholders. All decisions are made on a best-effort, community-driven basis. Users participate at their own risk, and the DAO assumes no liability for outcomes of decisions made via the governance process.

#### 28.5 User-Generated Content Disclaimer&#x20;

All proposals submitted to the DAO, including draft proposals, discussion topics, voting items, and related commentary (collectively, "DAO Proposals"), constitute user-generated content created solely by individual participants or community members. DAO Proposals do not represent, reflect, or express the views, opinions, positions, endorsements, recommendations, or policies of Homnifi, its directors, officers, employees, affiliates, or any associated entities. Homnifi expressly disclaims any responsibility, liability, or association with the content, accuracy, legality, any references to third-party projects, protocols, platforms, tokens, or services, any incorrect, misleading, or fraudulent statements or consequences arising from or related to DAO Proposals, regardless of whether such proposal is submitted, voted upon, approved, or executed. Users acknowledge that participation in governance is entirely at their own risk and discretion. Users shall conduct their own independent review, due diligence, and assessment before relying on any DAO Proposal.

To the fullest extent permitted by applicable law, Homnifi shall not be liable for any direct, indirect, incidental, consequential, special, regulatory, financial, or reputational losses arising out of or in connection with any DAO Proposal or user participation in governance activities.

#### 28.6 Dispute Waiver

By interacting with or participating in the Homnifi or LayerK ecosystem, users expressly waive any right to challenge the DAOs’ decisions, raise claims, or seek judicial, administrative, or arbitral review of DAO proposals, regardless of perceived fairness, impact, or correctness.

#### 28.7 DAO Framework Updates

The governance framework, eligibility rules, quorum thresholds, proposal formats, and voting windows are subject to change via the same governance process. It is the responsibility of users to stay informed of such updates by monitoring official governance channels and documentation.

## 29. GOVERNING LAW AND DISPUTE RESOLUTION

29.1. These Terms are governed by and construed in accordance with the laws of the British Virgin Islands without regard to conflict of law principles.

29.2. Homnifi strives to expeditiously and effectively address any disputes with Users. If the User wishes to file a complaint, kindly contact us at <support@homnifi.com>.

29.3. Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of the British Virgin Islands.

## 30. CONTACT INFORMATION

For any questions or concerns regarding these Terms, please contact Homnifi at <https://support.homnifi.com/support/tickets/new> .

## General Disclaimer

Homnifi is a unified platform designed to facilitate access to Web3 through decentralized technologies.

Homnifi is not a custodial platform, financial intermediary, or investment platform. All wallets used on the Platform are non-custodial, meaning users have full and exclusive control over their private keys and digital assets at all times. Homnifi does not hold or manage any cryptocurrencies, private keys, or digital assets on behalf of users. No exchange, custody, or financial services are provided. Homnifi does not perform currency conversions, offer lending or asset management, provide financial or investment advice, facilitate capital raising or returns generation or any form of regulated financial services.&#x20;

By using the Platform, users expressly acknowledge and agree that they are solely responsible for the custody, security, and management of their wallets, private keys and tokens, including any risks associated with decentralized technologies and blockchain-based transactions.

All content provided on this platform is for informational purposes only and does not constitute financial, investment, legal, or tax advice. Use of the Platform may involve significant risks. Users should conduct their own due diligence and consult with independent advisors before engaging in any activity. Homnifi does not issue, prepare, or provide any documents, statements, or certifications for tax filing or compliance purposes, including but not limited to official tax forms, income summaries, or other documentation required by tax authorities.

Use of the Platform is subject to our Terms and Conditions and Privacy Policy. Homnifi makes no representations or warranties as to the accuracy or completeness, or availability of any information or services provided and shall not be held liable for any direct or indirect loss or damage arising from reliance on the platform or its content.&#x20;

Availability and functionality of services may vary by jurisdiction and are subject to applicable laws and regulations.


# Terms and Condition In-House Node

Explore the detailed terms and conditions governing your use of Homnifi's In-House Node. Stay informed about hardware policies and legal guidelines.

### 1. INTRODUCTION

These Terms and Conditions ("**Terms**") govern the use of the In-House Node (“**Computer Device**”) manufactured and provided by Horys Technologies LTD ("**Company**", "**we**", "**us**" or "**our**") and the connected services (“**Services**”) and made available through the Homnifi Platform (“**Platform**”, referring to the domain <https://homnifi.com/>), a web platform offered by Homnifi International LTD (“**Homnifi**”). By purchasing or renting our hardware, you ("**User**") agree to comply with these Terms. If you do not agree, you must immediately cease using the Computer Device and Service.

These Terms explain how the User may use the Computer Device and the Services. The User shall read these Terms carefully before using the Computer Device and the Services. By accessing or using the Computer Device and the Services, Users agree to abide by these Terms and explicitly acknowledge and accept the potential risks linked to the use of the Computer Device. The Company holds no responsibility for any adverse outcomes resulting from the Users Computer Device and Services usage.

These Terms apply in conjunction with Homnifi's Terms and Conditions, Privacy Policy and remaining relevant documentation available at <https://docs.homnifi.com/>. These Terms are governed by the laws of the British Virgin Islands.

**Last Updated: August 2025**

### 2. USER ACCESS AND COMPUTER DEVICE MANAGEMENT

**2.1. Computer Device Access**

Users will have access to their In-House Node through a virtual private server (“**VPS**”) environment. This access will be restricted to a secure shell environment that allows Users to view the status and technical information of their assigned Computer Device. Users will not have the ability to perform any administrative operations or changes to the root-level infrastructure.

**2.2. Root Access Restrictions**

For security reasons, root access to the Computer Device will not be provided. This measure ensures the protection and integrity of the system’s architecture and prevents any unauthorised alterations that may affect the operation of the Computer Device or the entire network.

**2.3. Information Access Limitations**

Certain system settings and configurations will be restricted from User access to maintain the security and operational stability of the server environment.

**2.4. User Eligibility and Legal Capacity**

To use the Computer Device and the Services, Users must be at least 18 (eighteen) years old and legally capable of entering into binding contracts. If you are a legal entity, you must have the necessary corporate authority to agree to these Terms. By using our Computer Device and Services, Users confirm that they meet this requirement.

### 3. HOSTING, MAINTENANCE, AND TECHNICAL SUPPORT

**3.1. Hosting Service**

The Company will provide the necessary infrastructure and support to ensure continuous operation of the Computer Devices and the Services with a target of 24/7 uptime. This uptime commitment applies solely to the Cloud Computing Service- and the associated operating environment and excludes, among others, any disruptions caused by external factors or third-party services, as well any Platform related support, Platform’s outages and Platform’s maintenance.

**3.2. Third-Party Service Interference**

The Company is not liable for any third-party services connected to the Computer Device or the Services. If any third-party services affect the performance or require manual intervention (such as restarting or reinstallation of the Computer Device), the Company will not be held responsible for any resulting downtime or Service disruptions.

**3.3. Maintenance and System Outages**

Regular system maintenance, software updates, and preventative measures will be implemented to minimise downtime. Users acknowledge and accept that technical disruptions, including system outages, may occur due to routine maintenance, technical faults, or force majeure events. The Company will make reasonable efforts to minimise the impact of such disruptions.

### 4.  COMPUTER DEVICE AND SERVICE FEES

4.1. Users of the In-House Node Service are responsible for covering the costs associated with the ongoing maintenance, operational support, and usage of the Computer Device and related Services provided by the Company.

4.2. All In-House Computer Devices are subject to annual service fees starting from the second year after purchase. These fees cover ongoing maintenance, operational support, and the provision of services necessary for continued functionality of the device.

4.3. The applicable service fees may vary depending on the device category and are subject to change at the Company’s discretion. Current fees and related cost information can be consulted at any time on the Platform.

4.4. The first year of service is included with the purchase of the device.

### 5. PUBLIC IP ALLOCATION AND USAGE

**5.1. IP Address Allocation**

Each Computer Device will be assigned a unique public IP address for the duration of the rental period. The IP address remains the property of the Company, and Users are responsible for managing their allocated IP address in compliance with these Terms and applicable laws.

**5.2. Lawful Usage**

Users must ensure that their use of the public IP address complies with all applicable local and international laws, including but not limited to data protection, anti-spam, and intellectual property laws.

### 6. SECURITY AND PRIVACY

**6.1. Security Measures**

The Company is committed to providing a secure environment for all VPS services. This includes implementing firewalls, intrusion detection systems, encryption, and periodic security audits. However, Users are also responsible for ensuring that they follow best security practices, including using strong passwords and safeguarding their access credentials.

**6.2. Reporting Security Breaches**

Users are required to promptly report any suspicious activity or potential security breaches to the Company at <support@horystech.com>. Any delays in reporting could affect the Company's ability to mitigate risks and address the issue efficiently.

### 7. ACCEPTABLE USE POLICY

**7.1. Compliance with Laws**

Users must adhere to all applicable laws and regulations when using the VPS services provided with the Computer Device. This includes complying with intellectual property, data protection, anti-fraud, and anti-spam regulations.

**7.2. Prohibited Uses**

The use of the Computer Device for unlawful purposes, including but not limited to hacking, spamming, distributing malware, or any unauthorised activities, is strictly prohibited. The Company reserves the right to investigate and take action against Users engaged in prohibited activities, including suspension or termination of Services.

### 8. SERVICE LIMITATIONS AND LIABILITY

**8.1. Service Limitations**

While every effort will be made to ensure the reliability and uptime of the Computer Device, disruptions may occur due to maintenance, technical faults, or factors beyond the Company’s control. The Company shall not be liable for any data loss, downtime, or damages resulting from user actions, misuse, or third-party interference.

**8.2. Third-Party Connections**

The Company is responsible for ensuring the functioning of the Computer Device but is not liable for any connections or configurations made by third-party providers on the Computer Device. Users acknowledge that external connections may introduce risks or complications beyond the Company’s control.

### 9. COMPUTER DEVICE RELOCATION POLICY

**9.1. Warehouse Access Restrictions**

For security and safety reasons, Users are not permitted to physically visit the warehouse facilities where the Computer Devices are housed. These facilities operate within a highly advanced and secure environment, and access is restricted to authorised personnel only.

**9.2. Computer Device Relocation Requests**

Users who wish to relocate their Computer Device from the warehouse to their home or another location must initiate a formal relocation request via the Horysmall Platform. Upon approval, an identical version of the Computer Device in operation will be provided for relocation purposes.

Users may select either (i) to pick up the Computer Device in person or (ii) to have it shipped to a designated location. In either case, the user shall bear all associated costs, including but not limited to shipping, handling, and any applicable insurance or logistical charges. Full details of these costs and terms shall be made available upon request.

**9.3. Complimentary Hosting Period and Maintenance Fees**

Users will be entitled to complimentary in-house hosting and support services for a period of 90 (ninety) calendar days from the date of device allocation. After the expiry of this 90-day period, continued access to such services shall be contingent on the user either (i) relocating the Computer Device at their own expense in accordance with this clause, or (ii) accepting and paying for ongoing storage and service charges as per the applicable terms.

In addition, a recurring maintenance fee shall apply to all devices that (a) remain in in-house hosting beyond the initial 90-day period or (b) are provisioned as virtual machines. This fee will be charged on a monthly basis and shall continue to apply until the physical device has been shipped to the user, where applicable. The maintenance fee will be applied prospectively only and shall not be charged for any prior periods.

**9.4. Failure to Provide Shipping Information**

In the event that a user elects to have the Computer Device shipped but fails to provide a complete and valid shipping address, the Company shall issue at least 3 (three) written reminders over a period of 60 (sixty) calendar days requesting the necessary shipping details. If the user fails to furnish the required information within this period, the Computer Device shall be marked as no longer eligible for shipping and will remain hosted in-house by the Company. From that point onward, the user shall continue to be subject to any applicable hosting and maintenance fees as per the terms of this Agreement. Horysmall shall have no further obligation to initiate or facilitate shipment of the device thereafter.

### 10. DATA PRIVACY

The collection and use of Users’ personal data is governed by the Privacy Policy available at[ https://docs.homnifi.com/legal-docs/privacy](https://docs.homnifi.com/legal-docs/privacy-and-cookies). By using the Computer Device and the Services, Users consent to our collection, processing, and use of personal data in accordance with the aforementioned Privacy Policy. The Company takes all necessary steps to protect User data but cannot guarantee that unauthorised third parties will not be able to circumvent our security measures.

### 11. WARRANTIES DISCLAIMER

11.1. The Company provides the Computer Device and the Services “as is” and “as available” and makes no warranties of any kind, express or implied, regarding its functionality, merchantability, security, reliability, fitness for a particular purpose or non-infringement. Users assume all risks associated with the use of the Computer Device and the Services.

11.2. The Company does not warrant that (i) the Computer Device will function uninterrupted, secure, or available at any particular time or location, or will be error-free or free of harmful components; (ii) any errors or defects will be corrected; (iii) the Computer Device is free of viruses or other harmful components; (iv) any content and data will be secure or not otherwise lost or damaged; (v) the results that may be obtained from the use of the Computer Device and the Services will be accurate or reliable; or (vi) the results of using the Computer Device and the Services will meet Users’ requirements or expectations. Users assume all risks associated with the use of the Computer Device or the Services, including but not limited to the risk of data loss or exposure due to security breaches or software bugs.

### 12. LIMITATION OF LIABILITY

12.1. To the fullest extent permitted by law, the Company and its affiliates, officers, directors, employees and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or related to Users use or inability to use the Computer Device or the Services, including but not limited to loss of revenue, profits, data or assets, even if the Company has been advised of the possibility of such damages.

12.2. In no event shall the Company’s total liability exceed the greater of the amount of fees a User has paid for the Computer Device and the Services in the last 12 (twelve) months regardless of the form of action, whether in contract, tort (including negligence), strict product liability or any other cause of action or legal or equitable theory.

### 13. INDEMNIFICATION

13.1. Users (herein referred to as the “Indemnifying Parties”) agree to indemnify and hold harmless the Company and its affiliates, officers, directors, employees and agents (herein referred to as the “Indemnified Parties”) from and against any and all claims, demands, suits, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to their (i) use of the Computer Device or the Services, (ii) violation of applicable laws, regulations, or governmental requirements or (iii) breaches of these Terms or infringement of any rights of another.

13.2. The Indemnifying Parties indemnification obligations are contingent upon the Indemnified Parties:

13.2.1. Promptly notify the Indemnifying Party of any claim or potential claim subject to indemnification;

13.2.2. Cooperating fully with the Indemnifying Party in the defence or settlement of any such claim; and

13.2.3. Allowing the Indemnifying Party to control the defence and settlement negotiations, provided that the Indemnifying Party acts reasonably and in good faith.

13.3. This indemnification clause shall survive the termination or expiration of these Terms. The Indemnifying Parties indemnification obligations herein are not subject to any limitation of liability or exclusion of consequential damages set forth in these Terms. This clause is a material provision of these Terms, and both parties acknowledge and agree to its significance.

### 14. FORCE MAJEURE

The Company shall not be held liable for any failure to comply with these Terms due to circumstances beyond its reasonable control, including but not limited to governmental actions, acts of terrorism, war, fires, disruptions in telecommunications or internet services, network provider issues, software malfunctions, network-wide compromises, hacking, strikes, labour disputes, accidents, civil or military disturbances, or other catastrophic events. In no Force Majeure event shall the Company be responsible for inaccuracies, errors, delays, omissions, service disruptions, or interruptions in the Computer Device or the Services, whether in transmission or delivery of information as required by these Terms.

### 15. TERMINATION OF SERVICE

15.1. User-Initiated Discontinuation

If the Computer Device is disconnected or is not able to communicate with the main servers, then the Computer Device will not receive the benefits for the days that it has been disconnected.

15.2. Company-Initiated Termination

The Company reserves the right to terminate Services for Users found in violation of these Terms or engaging in illegal or unauthorised activities. Termination will result in the suspension of access to the Computer Device and any associated Services.

### 16. AMENDMENTS TO TERMS

16.1. Amendments and Updates to Terms

The Company is consistently engaged in the ongoing development and improvement of the Computer Device and the Services and reserves the right to unilaterally amend or update these Terms at any time. We will post any updates of the Terms to the Platform. Continued use of the Computer Device and the Services constitutes acceptance of the modified Terms.

16.2. Effective Date of Amendments and User Responsibility

Amendments to these Terms will take effect immediately upon posting on the Platform. It is the Users’ responsibility to review these Terms regularly to ensure they are aware of any changes.

### 17. GOVERNING LAW AND DISPUTE RESOLUTION

**17.1. Governing Law**

These Terms are governed by and construed in accordance with the laws of the British Virgin Islands without regard to conflict of law principles.

**17.2. Jurisdiction**

Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of the British Virgin Islands.

### 18. CONTACT INFORMATION

For any questions or concerns related to these Terms or the use of the Computer Device or the Services, please contact <support@homnifi.com>.


# Privacy and Cookies

Explore Homnifi's Privacy and Cookies Policy to understand how we protect your data and use cookies to enhance your experience. Stay informed with our transparent practices.

### Introduction

Homnifi is committed to protecting your privacy. This Privacy Policy outlines the types of personal information we collect from our users when you access the Homnifi Platform (hereinafter “**Platform**”), how we use it, and the steps we take to ensure it remains secure. By using the Platform, you agree to the terms of this Privacy Policy.

**Last Updated: March 2026**

### 1. Personal Data we collect and how we use it

| Types of personal data                                                                                                                | Purposes of processing                                                                                                                                    | Legal basis                                                                                                       | How long the data is stored |
| ------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------- | --------------------------- |
| First name, last name, email address and phone number provided during account registration or communication with us.                  | Creating an account for the user. Contacting the user in case this is necessary for account-related issues.                                               | Art 6(1)(b) in the GDPR                                                                                           | 3 Years                     |
| First name, last name, email address.                                                                                                 | To communicate with you regarding account-related updates.                                                                                                | Art 6(1)(a) in the GDPR.                                                                                          | 3 Years                     |
| First name, last name, email address.                                                                                                 | To communicate with you regarding promotional offers.                                                                                                     | Art 6(1)(a) in the GDPR.                                                                                          | 3 Years                     |
| Your username, password, other authentication credentials.                                                                            | Allowing the user the access their account to use the service offered by Homnifi.                                                                         | Art 6(1)(b) in the GDPR                                                                                           | 3 Years                     |
| Information related to your transactions on the Platform, such as token conversions, deposits and withdrawals.                        | Providing the service to the user.                                                                                                                        | Art 6(1)(b) in the GDPR                                                                                           | 3 Years                     |
| Information about your interactions with Homnifi, including browsing activity and preferences.                                        | To analyse the user’s behavior on the Platform and the usage of its features, in order to make modifications to the Platform and improve user experience. | Art 6(1)(f) – the legitimate interest of Homnifi to improve user experience on the Platform.                      | 3 Years                     |
| Data related to KYC & AML verification: your address, date of birth, ID number, proof of address, business name, registration number. | To ensure compliance with regulatory authorities’ instructions and international legislation.                                                             | Art 6(1)(c) – the legitimate interest of Homnifi to ensure compliance with AML and KYC related legal obligations. | 5 Years                     |

### 2. Information Sharing

2.1. We may share your personal information with third parties under the following circumstances:

2.1.1. With service providers: to assist in the operation of Homnifi and provide services on our behalf and ensure KYC/AML verification, payment and wallet management services, analytics and customer support. The legal basis for the processing of your personal data in this case is either Art 6(1)(b) or legitimate interest under Art 6(1)(f) in the GDPR.

2.1.2. With affiliates: for business purposes, including but not limited to marketing and advertising. The legal basis for disclosing your personal data in this case is either Art 6(1)(a) or Art 6(1)(f) in the GDPR.

2.1.3. With legal authorities: in response to legal requests, court orders, or as required by applicable law. The legal basis for disclosing your personal data in this case is the legitimate interest of Homnifi to process personal data for the establishment, exercise or defence of legal claims under Art 6(1)(f) in the GDPR.

2.1.4. With other companies or platforms: to enable them to comply with regulatory obligations, anti-money laundering (AML), fraud prevention, and other legal obligations. The legal basis for this processing is, as applicable, art. 6(1)(b) GDPR (performance of a contract), Article 6(1)(c) GDPR (legal obligation), or art. 6(1)(f) GDPR (legitimate interest).

2.2. In cases where the third parties are in the role of a data processor pursuant to the GDPR, we share your personal data with third parties only if Homnifi has signed a data processing agreement with the third party, according to Art 28(3) in the GDPR.

2.3. Where your personal data is shared with another company acting as a separate data controller, we will ensure that a formal data sharing agreement or similar arrangement is in place.

### 3. Data Security

3.1. We implement appropriate technical and organizational measures to safeguard your personal information against unauthorized access, disclosure, alteration, or destruction.

3.2. Sensitive data is encrypted during transmission and storage, access to your information is restricted to authorized personnel only, and regular security audits and assessments are conducted to maintain high security standards.

### 4. Your rights

4.1. You have the following rights regarding your personal information:

4.1.1. to request access to and obtain a copy of your personal information;

4.1.2. to request the correction of inaccurate or incomplete personal information;

4.1.3. to request the deletion of your personal information under certain circumstances;

4.1.4. to request that Homnifi restricts personal data processing pursuant to Art 18(1) in the GDPR;

4.1.5. to object to the processing of your personal information for specific purposes;

4.1.6. to request the transfer of your personal information to another data controller;

4.1.7. to access and update your personal information;

4.1.8. to file a complaint with the relevant data protection supervisory authority.

4.2. Please note that the data subject can exercise his or her rights, taking into account relevant restrictions in the GDPR and other applicable data protection related legal acts.

### 5. Third-Party Links

5.1. The Platform may contain links to third-party or featured websites or services. We are not responsible for the privacy practices or content of these third parties. Please review the privacy policies of these websites or services before providing any personal information.

### 6. Changes to This Policy

6.1. We reserve the right to update or modify this Privacy Policy at any time. Any updates or modifications will be posted on the website and continued use of the Platform constitutes acceptance of the updated or modified Privacy Policy.

6.2. An up-to-date version of the Privacy Policy will always be available on the Platform.

### 7. Contact information

If you have any questions or concerns regarding this Privacy Policy, please raise a ticket within the Platform and our support team will take care of you.

{% embed url="<https://support.homnifi.com/support/home>" %}


# Risk Disclosure

Review the Homnifi Risk Disclosure to understand risks related to digital assets, security, regulations, and platform use, including LYK, sLYK, and mLYK. Engage responsibly.

### 1. INTRODUCTION

This is the Risk Disclosure Policy ("**Policy**") of Homnifi International LTD, a company incorporated in the British Virgin Islands ("**Homnifi**"). This Policy informs users of the potential risks involved in the use of the Homnifi Platform (the "**Platform**", available at <https://homnifi.com/>) and the engagement in transactions involving digital assets, including but not limited to LYK, sLYK, and mLYK (collectively, "**Digital** **Assets**"). This Policy provides important information about the nature, risks, and responsibilities associated with participating in the Platform.

It is important to carefully review this document to fully understand the limitations, liabilities, and uncertainties that may arise. By accessing and using the Platform, you acknowledge and agree that you have read, understood, and accepted all risks outlined herein and accept full responsibility for all related consequences.

It is critical that you fully understand and consider the following risks before using the Platform. This Policy does not, and cannot, disclose all risks or other significant aspects of using the Platform and the Digital Assets. You are urged to seek independent advice from a qualified professional before engaging in any transaction on the Platform.

**Last Updated: August 2025**

### 2. GENERAL RISKS OF DIGITAL ASSETS

**2.1. Volatility and Price Fluctuations**

Digital Assets, including but not limited to LYK, sLYK, and mLYK, are subject to extreme volatility. The value of Digital Assets may fluctuate rapidly and unpredictably, both upwards and downwards, due to factors such as market demand, regulatory developments, technological advancements, liquidity constraints, and general macroeconomic conditions. You should be prepared for the possibility of significant or total loss of your Digital Assets.

**2.2. Market Risk**

Market risk refers to the possibility that the overall market conditions could negatively impact the price of Digital Assets. Events such as market illiquidity, sudden withdrawal of buyers, or systemic failures could severely affect your ability to sell or transfer Digital Assets at favorable prices, or at all. There is no assurance that any Digital Asset will maintain or increase its value.

**2.3. Speculative Nature**

Digital Assets are speculative by nature. Holding or using these assets carries high risk and should not be considered as a traditional or guaranteed return. The potential to lose all of your Digital Assets exists. Homnifi does not provide any warranties or guarantees with respect to the future performance or value of Digital Assets.

**2.4. Liquidity Risks**

Digital Assets may have limited liquidity, making it difficult to buy or sell them in the market. There may also be a risk of the Digital Assets delisted from third-party exchanges or trading platforms, making it difficult to trade or exchange such tokens.

### 3. TECHNOLOGY AND OPERATIONAL RISKS

**3.1. Technological Dependencies**

The Platform relies on blockchain technology, smart contracts, cryptographic protocols, and other technical infrastructures that may experience disruptions or malfunctions. System failures, such as network congestion, data corruption, or the malfunctioning of smart contracts, may result in delays, loss of funds, or failure to execute transactions.

**3.2. Cybersecurity Threats**

Despite employing advanced security protocols, the Platform is exposed to cybersecurity threats, including but not limited to hacking, phishing, malware, and Distributed Denial of Service (DDoS) attacks. Unauthorized third parties may gain access to users' accounts or Digital Assets, resulting in theft, loss, or corruption of funds or data. You are responsible for maintaining the security of your login credentials, private keys, and devices used to access the Platform.

**3.3. Software Vulnerabilities**

Homnifi and the Digital Assets on the Platform are reliant on various software systems, which may contain undiscovered vulnerabilities or bugs. Such vulnerabilities may be exploited to cause malfunction, resulting in unexpected consequences, including loss of assets. Homnifi cannot guarantee the reliability, functionality, or continued development of third-party software applications, and assumes no liability for losses resulting from such risks.

**3.4. Software Compatibility**

Users should ensure their devices, operating systems, and software are compatible with the Platform. Any failure to meet these technical requirements could result in service disruption or failure to access services. Use of outdated software or failure to keep software updated may expose users to security vulnerabilities and reduce functionality.

**3.5. Operational Risk**

Operational risks, including the risk of human error, mismanagement, or third-party service disruptions, could negatively affect the performance of the Platform. These risks include potential failures in the operational processes of trading, transfers, and custody of Digital Assets. Incorrect wallet addresses, transaction parameters, or other data inputs by users may lead to irreversible losses. Homnifi is not liable for any errors caused by users when interacting with the Platform.

### 4. REGULATORY AND LEGAL RISKS

**4.1. Regulatory Uncertainty**

Digital Assets are subject to rapidly evolving regulatory environments. Laws, rules, and regulations governing the use, transfer, taxation, and classification of Digital Assets may change or be introduced without notice, potentially impacting the legality or viability of transactions conducted on the Platform. Regulatory measures in different jurisdictions could restrict your ability to access or utilize the Platform and may affect the value or security of your Digital Assets.

**4.2. Compliance with Laws**

Users of the Platform are responsible for ensuring that their activities comply with all applicable laws and regulations, including but not limited to anti-money laundering (AML), know-your-customer (KYC), know-your-business (KYB) and counter-terrorist financing (CTF) laws. Failure to comply may result in penalties, account suspension, termination, or legal action. Homnifi reserves the right to suspend or terminate accounts that do not meet regulatory requirements.

**4.3. Local Jurisdiction Risk**

Homnifi operates globally, but users are responsible for ensuring that their use of the Platform is legal in their jurisdiction. Accessing or using the Platform in violation of local laws or regulations may result in the suspension or termination of your account. Homnifi does not guarantee that the Platform is available in all jurisdictions or that it complies with all local laws.

**4.4. Taxation**

Digital Assets may be subject to tax reporting, capital gains, or other taxation requirements under your local or international laws. It is your responsibility to consult with tax professionals to ensure compliance with applicable tax laws. Homnifi does not provide tax advice and shall not be liable for any tax-related obligations incurred by users.

#### 4.5. Cross-Border Considerations

Using the Platform may subject users to cross-border legal and regulatory challenges. Digital Asset transactions across jurisdictions may be restricted or subject to conflicting laws, which could impede your ability to complete or enforce transactions. You are responsible for understanding the legal implications of participating in cross-border Digital Asset transactions.

### 5. PRODUCT SPECIFIC RISKS

#### 5.1. Risks Associated with NodeK, Cloudk 2.0, Journey Bridge, QWise and Rampstarter.

Homnifi offers various services and platforms such as Rampstarter, QWise, and Cloudk 2.0, each of which carries inherent risks. Participating in or using these services may expose users to financial, technological, and project-specific risks. These risks include, but are not limited to, the total loss of tokens, project failure, liquidity issues, or other unforeseen circumstances.

#### 5.2. Staking and Liquidity Risks

Staking, providing liquidity, or engaging in yield-generating activities through the Platform involves a risk of loss. These activities are speculative in nature, and there is no guarantee that you will receive the returns projected or anticipated. Liquidity provision, in particular, may result in "impermanent loss" or lower-than-expected yields.

#### 5.3. Due Diligence

While Homnifi conducts due diligence on the projects listed or promoted on the Platform, users should also perform their own research and risk assessments. Homnifi disclaims all responsibility for any project failure or other negative outcomes associated with third-party platforms.

### 6. RISKS IN THE EXTERNAL APPS MARKETPLACE

The External Apps Marketplace provides access to third-party applications that are independent of Homnifi. These third-party applications are not under the control of Homnifi, and their functionality, security, and legal compliance cannot be guaranteed by Homnifi. Use of third-party applications is entirely at your own risk, and Homnifi shall bear no responsibility for any loss arising from such usage.

### 7. USER RESPONSIBILITIES

#### 7.1. Security Responsibilities

Users are responsible for ensuring that their personal information, passwords, private keys, and security credentials are kept confidential and secure. You must implement appropriate security practices, such as using multi-factor authentication, regularly updating passwords, and protecting devices from malware.

#### 7.2. Financial Responsibility

You are solely responsible for any financial decisions made in relation to Digital Assets, including, but not limited to, the decision to deposit, trade, transfer, or stake Digital Assets. Homnifi does not provide financial advice, and all transactions on the Platform are executed at your own risk.

### 8. NO GUARANTEES OF RETURNS

#### 8.1. Market Uncertainty

Homnifi makes no guarantees regarding the profitability of Digital Assets. The value of Digital Assets can fluctuate significantly, and there is no assurance that the value of your holdings will increase or be maintained. You are fully responsible for any losses incurred due to market fluctuations or adverse conditions.

#### 8.2. Limitation of Liability

Homnifi assumes no liability for any losses, damages, or other adverse outcomes related to the use of the Platform or Digital Assets. The Platform and its services are provided "as is," and Homnifi disclaims all warranties, express or implied, including, but not limited to, warranties of fitness for a particular purpose and merchantability.

### 9. TAX DECLARATION AND DISCLAIMER

#### 9.1. Tax Obligations

By accessing and using the Platform, users acknowledge that any purchases, commissions, or compensation received may be subject to taxation according to the laws and regulations of their jurisdiction. Users are solely responsible for understanding and complying with applicable local tax obligations.

#### 9.2. No Liability for Taxes

Homnifi does not assume any liability or responsibility for users' tax payments arising from rewards or benefits obtained through the products and services provided. Users are responsible for determining tax liabilities with a qualified tax professional or financial advisor and fulfilling any necessary tax reporting and payment obligations.

#### 9.3. Change in Tax Residency

Users moving to a new jurisdiction should assess how this may affect their tax liabilities related to digital assets, as different regions may have varying rules regarding crypto taxation.

#### 9.4. Professional Advice Recommendation

Homnifi strongly recommends seeking advice from a qualified tax professional or financial advisor to accurately ascertain tax liabilities. Tax regulations and obligations vary by region and country. Users must ensure fulfillment of all applicable requirements.

#### 9.5. Regulatory Changes

Tax laws and regulations are subject to change. Users are responsible for staying informed about any changes that may affect their tax liability. Homnifi is not responsible for notifying users about alterations in tax laws.

#### 9.6. Disclaimer

The information provided on the Homnifi platform is strictly for informational purposes only and does not constitute legal, financial or tax advice. Homnifi does not provide , and users should not rely on, any information on the Platform as a substitute for advice from qualified legal, financial or tax professionals.&#x20;

Users are solely responsible for ensuring compliance with the tax regulations applicable in their jurisdiction and are strongly advised to consult with qualified advisors regarding their individual tax obligations and reporting requirements.

Homnifi does not issue, prepare, or provide any documents, statements, or certifications for tax filing or compliance purposes, including but not limited to official tax forms, income summaries, or other documentation required by tax authorities.

To the maximum extent permitted by law, Homnifi disclaims all liability for any losses, claims, penalties, or damages arising from the use of information provided on the Platform or from users’ interpretation of tax laws.

This disclaimer shall be governed by and construed in accordance with the laws of the British Virgin Islands, and any disputes arising out of or in connection with this disclaimer shall be subject to the exclusive jurisdiction of the courts of the British Virgin Islands.

By accessing or using the Platform, users acknowledge and agree to the above-stated terms regarding their tax obligations and responsibilities and accept full responsibility for their own tax affairs, filings, and compliance obligations.

### 10. CONCLUSION

By using the Platform, you acknowledge that you have read, understood, and accepted this Risk Disclosure Policy in its entirety. You accept the inherent risks associated with Digital Assets and agree to use the Platform at your own risk. We reserve the right to update or modify this Policy at any time. Any updates or modifications will be posted on the website and continued use of the Platform constitutes acceptance of the updated or modified Policy.

For any questions or concerns regarding this Policy, please contact our support team through the Platform’s support ticket system.