Additional Important Information

You are accountable for ensuring that all individuals who access our website or application through your connection adhere to these terms. Additionally, you must guarantee that your access and utilization of our Services conform to relevant laws and regulations.

• The information provided on our site is intended for general informational purposes only and should not be construed as professional advice.
• It is advisable to consult with a qualified financial advisor prior to making any financial decisions.
• We do not provide any assurances regarding the accuracy, completeness, or timeliness of the information available on our site.
• • You are responsible for implementing your own virus protection measures when accessing our site.
• • You must refrain from misusing our site by introducing viruses, trojans, or any other harmful software.

Nature of OYF Tokens:

OYF Tokens are a type of digital token and a form of digital currency that operates on the Ethereum Blockchain. Within the OYOFI Finance ecosystem, these tokens serve multiple functions, including but not limited to accessing various services, products, or features provided by OYOFI Finance.

As utility tokens, OYF Tokens are integral to the Platform and Services. They are specifically designed for use within the Platform and do not confer any rights, whether explicit or implied, beyond the ability to engage in Projects and Services as intended.

These tokens, along with any related benefits, are not meant to serve as digital currency, securities, commodities, or any other financial instruments. They do not provide holders with corporate rights or ownership stakes, nor do they grant entitlement to future revenue shares, intellectual property rights, or any other form of involvement with the Company. Holders of OYF Tokens are not entitled to dividends, revenue rights, or voting rights within the Company. Their rights are strictly limited to those associated with the Platform and Services, as specified in these Terms.

It is recognized and agreed that the Platform is currently in its initial developmental phase and may experience substantial modifications over time. Users must comprehend and accept that updates to OYF Tokens may be required. Opting out of these updates may lead to an inability to utilize OYF Tokens, with non-upgraded tokens potentially losing all functionality.

Users further acknowledge and consent to the following risks related to accessing, purchasing, selling, using, or holding OYF Tokens:

• 1. Legal restrictions in certain jurisdictions may hinder or eliminate the Company's capacity to offer OYF Tokens.
• 2. Regulatory measures that could affect the use, transfer, exchange, and valuation of OYF Tokens.
• 3. Risks associated with theft, hacking, or other malicious activities.
• 4. Security weaknesses within the Platform, its code, or related software and infrastructure.
• 5. The possibility of a complete loss of value or purchase price of OYF Tokens.
• 6. Risks stemming from blockchain failures, internet transmission issues, and other unforeseen challenges.
• 7. The irreversibility of transactions.

Users recognize that the price and liquidity of blockchain assets, including utility tokens such as OYF Tokens, can be extremely volatile and subject to significant changes. Furthermore, OYF Tokens do not constitute legal tender and are not supported by any government.

By accepting these Terms and acquiring OYF Tokens, users explicitly acknowledge, accept, and assume all risks detailed herein. The responsibility for any loss transfers to the user upon the purchase of OYF Tokens. Users are solely accountable for assessing the risks associated with OYF Tokens and agree that the Company shall not be held liable for any damages arising from such risks.

The acquisition and utilization of OYF Tokens are governed by the following terms

During specified periods on the Platform, OYF Tokens may be obtained exclusively for the purpose of utilizing Platform features, Services, and engaging in Projects, with a complete understanding of the inherent risks. It is acknowledged that OYF Tokens are not intended for investment, speculative, or financial objectives.

Users can acquire OYF Tokens directly from the Company via the Platform. To enable these purchases, users must have a compatible Wallet linked to the supported blockchain network, authenticate it, and provide the necessary address. The Company retains the right to offer further instructions regarding specific Wallet requirements. Users explicitly relinquish the right to request reimbursement for any lost or misplaced payments or receipts related to OYF Tokens due to non-adherence to these guidelines. The Company shall not be liable for any delays, losses, expenses, non-deliveries, or other complications resulting from the failure to provide or the incorrect provision of a Wallet address.

Payments for OYF Tokens will be accepted in native coins (ETH, BNB) or USDT, with the exchange rate set solely by the Company. The Company does not have visibility or control over blockchain payments or transactions and cannot reverse any transactions, thereby releasing itself from liability for any resulting claims or damages.

OYF Tokens acquired through the Platform will be distributed and delivered as outlined on the Platform. Nevertheless, the Company reserves the right to extend delivery timelines by up to 72 hours to accommodate unforeseen technical challenges or security concerns.

The acquisition cost of OYF Tokens does not include any applicable taxes. It is the responsibility of users to identify and meet any tax obligations related to their purchase, which may encompass sales, use, value-added, or similar taxes. The Company will not be responsible for withholding, collecting, reporting, or remitting any such taxes, and users agree to indemnify the Company against any tax liabilities that may arise from transactions involving OYF Tokens.

All purchases of OYF Tokens are final, with no options for refunds or cancellations, except as mandated by relevant laws or regulations. Users forfeit any statutory or contractual rights to withdraw from or annul their purchases. The Company retains the authority to refuse or cancel requests for the purchase of OYF Tokens at its discretion.

In cases where OYF Tokens are being purchased on behalf of a legal entity, users affirm and guarantee that the entity is properly organized and authorized to act on its behalf. Users also affirm that they have a sufficient understanding of utility tokens, have acquired adequate information regarding OYF Tokens, comply with applicable laws, and waive their right to engage in class action lawsuits against any parties involved in the distribution of OYF Tokens.

OYF Tokens provide access to tiered Projects, in accordance with the specific terms established for each Project. The Company may introduce special programs that offer rewards, such as complimentary OYF Tokens, as incentives for user contributions to the Platform ecosystem and engagement in Projects.

Ownership and Transfer:

The possession of OYF Tokens does not confer any ownership rights or equity in OYOFI Finance. You recognize and accept that the Tokens are non-refundable, non-exchangeable, and non-transferable, unless explicitly allowed by these Token Terms or as otherwise indicated by OYOFI Finance.

The allocation of OYF Tokens may be governed by particular regulations and protocols established by OYOFI Finance. Such regulations may encompass involvement in token sales, airdrops, or other specified methods. By obtaining Tokens, you consent to adhere to the relevant regulations and protocols.

Token Risks:

You recognize and comprehend the potential risks involved in the acquisition, possession, or utilization of OYF Tokens. Such risks may encompass, but are not restricted to, price volatility and market fluctuations that could impact the value of the Tokens, as well as technological and regulatory risks. It is essential to thoroughly evaluate these risks prior to participating in activities related to OYF Tokens.

Compliance and Prohibited Activities:

You consent to adhere to all relevant laws, regulations, and guidelines when obtaining, holding, or utilizing OYF Tokens. You shall refrain from participating in any activities that are prohibited, which include, but are not limited to, infringing upon any laws, regulations, or the rights of third parties.

Token Events and Modifications:

We retain the authority to alter, pause, or terminate the functionality, distribution, or utilization of OYF Tokens at any moment, with or without prior notification. Additionally, we may conduct token-related activities, including but not limited to token burns or token swaps, to sustain or modify the token economy. You acknowledge and accept that such activities or changes may affect the value, availability, or functionality of the Tokens.

Limitation of Liability:

To the fullest extent allowed by applicable law, we shall not be held responsible for any direct, indirect, incidental, consequential, or punitive damages that may arise from or relate to the acquisition, possession, or utilization of OYF Tokens. This encompasses any damages resulting from errors, omissions, interruptions, or delays within the Token ecosystem.

Under no circumstances shall the total liability of the company and its affiliates, whether arising from contract, warranty, tort (including negligence), or any other legal theory, related to these terms or the use or inability to use OYF Tokens, exceed the amount you have paid to us for the OYF Tokens.

Furthermore, we disclaim responsibility for the following types of loss or damage that may occur:

1. Access to your Account by unauthorized individuals, including minors or other unauthorized third parties.

2. Loss or liability you may incur due to an accidental purchase.

3. Users are encouraged to exercise caution when interacting with any social media accounts claiming to represent OYF. We strongly advise users to take care when sharing information and to verify the authenticity of the source. If there is any uncertainty, please reach out to support@oyofi.finance. We strive to keep our users informed through our social media channels about any individuals or entities that may be impersonating us or potential scams.

Registration and Representations

To gain access to the Platform and utilize the Services, it is essential to register for an Account. By creating an Account, you agree to provide complete and accurate information as requested. Furthermore, you are obligated to keep your information up to date to maintain its integrity and accuracy. Should you submit any information that is false, misleading, outdated, or incomplete, we reserve the right to suspend or terminate your Account and deny any current or future access to the Platform and the Services (or any part thereof).

The Company maintains the right, at its sole discretion and without any liability to you, to refuse the registration of an Account if the information provided is deemed outdated, incomplete, or incorrect. The creation of multiple Accounts is strictly prohibited. The Company also reserves the right to block Users who are found to possess two or more Accounts.

Uponregisteringan Account,youaffirmthe following:

1. You have not previously been prohibited or suspended from using the Platform.

2. Your use of the Platform and Services adheres to all relevant laws and regulations.

3. You recognize the inherent risk of potential loss associated with Cryptocurrency or other valuable assets, for which the Company assumes no responsibility. Your choice to access the Platform and utilize the Services is made entirely at your own risk and discretion. You explicitly accept full responsibility for any consequences that may arise and acknowledge that the Company holds no liability in this regard.

4. You are fully responsible for any taxes that may apply to Cryptocurrency transactions conducted via the Platform.

5. You are of legal age, being 18 years or older.

6. You possess the necessary legal authority and capacity to access the Platform in accordance with these Terms.

7. You are not a citizen or resident of any Prohibited Jurisdictions, nor do you have any affiliations with such areas.

8. You acknowledge that projects related to cryptographic tokens, blockchain technology, or distributed ledger technology are relatively new and untested, and their performance may be influenced by various factors beyond the control of both us and our Users. We accept no responsibility for any negative changes in market conditions, technology, or regulatory environments that may affect our performance under these Terms.

9. You are solely accountable for all actions taken on or through your Account.

10. You agree not to disclose your Account credentials to any other person or permit unauthorized use. Any actions taken using your credentials will be considered authorized by you. We reserve the right to suspend or terminate your Account access if unauthorized access or use is suspected, without incurring any liability.

11. If we determine, at our discretion, that your Account is being misused, we reserve the right to suspend or terminate your Account access without liability.

12. You have carefully reviewed, comprehended, and accepted these Terms and the related documentation.

The Company maintains a strict policy against participation in illegal activities, which encompasses, but is not limited to, money laundering, financing of terrorism, and breaches of trade sanctions, in compliance with the laws, regulations, and standards applicable in various jurisdictions. As a result, access to the Platform and Services is denied to individuals or entities identified on any Politically Exposed Persons ("PEP") lists, as well as those subject to sanctions or watch lists established by the United States, the European Union, or other international bodies. By registering for an account, you affirm that you are not included on any such watchlists.

In cases where we do not authenticate the identities of individuals utilizing an Account, we cannot assume responsibility for any unauthorized access or use of the Account by third parties. If you become aware of any unauthorized actions associated with your Account, it is crucial to inform us without delay. Please note that we may require you to verify your identity and confirm your ownership of the Account.

Identification and Verification

We retain the authority, at our sole discretion, to gather specific personal information from you to ensure adherence to various laws, regulations, and policies, including those related to Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT) requirements. It is imperative that you provide the requested information in a timely manner; failure to do so may lead to restrictions on your Account.

The Know Your Customer (KYC) process is crucial for accessing the Platform, utilizing our Services, and engaging in certain Projects. Therefore, we assert the following rights:

1. To request any pertinent information and documentation necessary for conducting KYC in compliance with AML/CFT regulations or applicable laws.

2. To temporarily restrict an Account until the KYC procedures are completed.

3. To deny access to the Platform, the use of our Services, or participation in Projects if there are legitimate concerns regarding a User's inclusion on sanctions lists or violations of relevant AML/CFT regulations or applicable laws. We also reserve the right to collaborate with competent authorities or investigations in accordance with lawful court orders.

4. To disclose KYC information to governmental agencies or regulators as required by valid requests or court orders.

In situations where there are reasonable grounds to suspect that User transactions or Service usage may be linked to questionable or illegal activities, we reserve the right to suspend, restrict, or terminate Accounts as deemed necessary. Please be aware that any damages or losses incurred by Users in such circumstances shall not be the responsibility of the Company.

Intellectual Property Rights

The information presented on the Platform is intended solely for personal use and should not be considered as financial or investment guidance. It is crucial to consult with a professional or specialist before making any decisions based on this information.

We and our affiliates maintain exclusive ownership of all rights, titles, and interests in the Platform, its associated software, and the Content, which includes all related intellectual property rights. This ownership extends to source and object code, trademarks, logos, graphics, photographs, videos, animations, copyrightable gameplay, and written materials. Specifically, any components featuring "CoinLock Protector" or "OYF" are solely our property. These Terms do not convey any intellectual property rights unless explicitly stated. Unauthorized use of any intellectual property is strictly forbidden without our prior written consent.

You are granted a non-exclusive, non-transferable, non-assignable, and revocable license to access and use the Platform and its related software in strict compliance with these Terms. The use of any Content is permitted only as expressly outlined in these Terms or with our explicit authorization. Any form of reverse engineering, decompiling, disassembling, or modification of the Platform is strictly prohibited.

You agree not to copy, rent, lease, sublicense, loan, translate, merge, adapt, vary, alter, modify, or integrate the Platform or its related software with other programs, and to comply with the stipulations set forth in these Terms. ServiceAvailability

The Company does not guarantee that the Platform will consistently be available, uninterrupted, timely, secure, or devoid of bugs, viruses, errors, or omissions. There may be instances when the Platform becomes inaccessible due to

maintenance or technical difficulties. Furthermore, we retain the right to modify, suspend, or terminate specific Services without prior notification.

Although we strive to provide access to the Platform and Services, we shall not be held liable for any failure to fulfill our obligations under these Terms if such failure is caused by circumstances beyond our reasonable control.

We will make efforts to ensure that the Platform and associated software are free from viruses and malicious software; however, we advise the use of suitable anti-virus software as a precautionary measure.

External Links and Third-Party Services

On certain pages, you may find links to external websites and advertisements. These links are provided by third parties and are not under our control. Although we do not endorse any external website, we offer links to our trusted third-party services for users interested in purchasing OYF Tokens or completing KYC procedures.

In accordance with applicable law, we disclaim any responsibility or liability for any events that may affect you or your data when you access these external websites or utilize third-party services.

Should you visit any external website, please be advised that it may have its own terms of use, licensing agreements, and privacy policies that you should carefully review.

Identification

To the fullest extent allowed by relevant law, you consent to indemnify, defend, and protect the Company and its affiliates from any and all actual or potential claims, lawsuits, demands, actions, investigations, liabilities, judgments, damages, penalties, interests, fees, losses, expenses (including legal fees and costs), and other costs that arise from or are connected to:

1. Your purchase, acquisition, or utilization of the OYF Token or the Platform.

2. Your fulfillment or failure to fulfill responsibilities or obligations as outlined in these Terms.

3. Your violation or infringement of these Terms.

4. Any inaccuracies in the representations or warranties you have made.

5. Your infringement of the rights (including intellectual property rights) of any individual or entity.

6. Any negligent, unlawful, or willfully wrongful acts or omissions on your part.

This indemnification is supplementary to, and does not replace, any other remedies available under applicable law. Should the Company or its affiliates be compelled to respond to a third-party subpoena or other mandatory legal directive, you will also cover reasonable attorney fees and costs incurred in such responses. You agree to promptly inform the Company of any third-party claims, actions, or proceedings involving the Company that arise from these Terms. The Company reserves the right to participate in such proceedings with legal counsel of its choice.

Force Majeure

We shall not be deemed in violation of these Terms, nor shall we be held responsible for any delays or failures in fulfilling our obligations under these Terms, if such delays or failures arise from events, circumstances, or causes that are beyond our reasonable control. The Parties acknowledge that, given the unique characteristics of the blockchain sector, instances of force majeure shall encompass, but are not limited to, cyberattacks, market fluctuations, alterations in laws or regulations, unfavorable regulatory or enforcement actions by public authorities, technical malfunctions, and similar occurrences.

Governing Law, Jurisdiction and Disputes Resolution

These Terms, along with your access to the Platform, utilization of the Services, and other associated activities, shall be governed by and interpreted in accordance with the laws of Malta. Any disputes, claims, or controversies that arise from or relate to these Terms, including their existence, breach, termination, enforcement, interpretation, or validity, as well as your access to the Platform and use of the Services—regardless of whether such matters arise before or after your acceptance of the Terms—will be resolved by the courts of Malta. This stipulation prohibits you from initiating any class, collective, or representative action against us, and it also prevents you from participating in or obtaining relief through any existing or future class, collective, consolidated, or representative actions initiated by others against us. Before submitting any claims under this provision, you agree to send such a claim or request directly to the Company via email. You acknowledge that you will not file any claims under this provision until at least 30 (thirty) days have passed since you sent the claim or request to the Company as specified.

Any claim submitted to the court that does not adhere to the stipulations outlined in this provision shall be dismissed by the tribunal as premature.

Consumer rights

.By utilizing the Services, acquiring OYF Tokens, and engaging in the Projects, you relinquish any consumer protection rights and distance selling rights that may be afforded to you under any Applicable Law. Furthermore, you acknowledge that the Company shall not be held responsible for any damages, losses, or other liabilities that may arise in connection with these activities. As a user of the Services, a purchaser of OYF Tokens, and a participant in the Projects, you affirm to the Company that you are not acting in the capacity of a consumer, and that the provisions of any relevant consumer protection regulations, including those pertaining to distance selling, shall be excluded to the maximum extent allowed by applicable law.

Assignment.

The Company reserves the right to assign or transfer any or all of its rights under these Terms, either in full or in part, without the need for your consent or approval. Conversely, you are prohibited from assigning or transferring any of your rights or obligations under these Terms without obtaining prior written consent from the Company.

No waiver

The Company's inability to enforce any right or provision outlined in these Terms shall not be interpreted as a waiver of that right or provision. Furthermore, no waiver shall be deemed a subsequent or ongoing waiver of that term or any other term.

No partnership or agency.

The terms of our agreement do not establish any type of partnership, joint venture, or comparable relationship between the Parties. Unless explicitly stated otherwise in this document, these Terms are designed exclusively for the benefit of the Parties and do not aim to grant third-party beneficiary rights to any other individual or entity

Severability

Should any provision of these Terms be determined to be invalid or unenforceable for any reason, the remaining provisions shall remain unaffected. The invalid or unenforceable provision will be considered amended to ensure its validity and enforceability to the fullest extent allowed by Applicable Law.

Notices and Communication.

We may deliver any notifications to you in accordance with these Terms by either posting a notice on the Platform or by sending an email to the address associated with your account. Notifications posted on the Platform will take effect immediately upon posting, while those sent via email will be effective at the time of transmission. All communications and notifications made under these Terms must be in the English language. You acknowledge and agree that all agreements, notices, disclosures, and other communications we provide to you, including these Terms, will be in electronic format. For any inquiries, you may reach us via email at support@oyofi.finance.

Disclaimer

To the maximum extent allowed by applicable law, and unless otherwise stated in writing by us:

the platform, oyf tokens, and the services are offered on an "as is" and "as available" basis, without any warranties or representations of any kind. We explicitly disclaim all warranties and representations concerning the tokens, whether express or implied, including but not limited to any implied warranties of merchantability, suitability for a particular purpose, ownership, and non-infringement.

We do not guarantee or warrant that the platform, OYF tokens, and the services are dependable, up-to-date, free from errors, devoid of defects, or that they will fulfill your needs, nor can we assure that any defects will be rectified. Furthermore, we cannot and do not guarantee or warrant that the platform, OYF tokens, and the services, or the delivery mechanism for OYF tokens, are free from viruses or other harmful elements.

Definitions

“Account” A virtual account on the Platform refers to an account that exists in a digital format..

Anti-Money Laundering and Countering the Financing of Terrorism.

“Applicable Law” Any actions, laws, regulations, ordinances, treaties, guidelines, or policies established by governmental entities or regulatory agencies.

“OYFToken” A cryptographic digital token, referred to as the OYF Token, is a software product developed and issued by the Company. This token provides users with access to the services and features available on the Platform.

“Content” The term encompasses all materials present on the Platform, which includes logos, identifying symbols, images, illustrations, designs, icons, photographs, videos, text, and other written and multimedia content. Additionally, it covers requirements, products, services, advertising materials, software, code, as well as any data, files, archives, folders, or downloads accessible on the Platform.

“Know Your Customer or KYC” The term refers to the procedure of gathering and validating the information and documentation of the User as mandated by AML/CFT regulations and relevant legal requirements.

“Platform”A computer program, along with pertinent user interfaces, is accessible on the website https://oyofi.finance, as well as any associated software provided for the purpose of utilizing the Services.

“Projects”IDO projects are those that are hosted on the Platform, allowing Users to engage in them provided that specific conditions are satisfied.

“ProhibitedJurisdictions” The term refers to the Democratic People’s Republic of Korea, Iran, Myanmar, the United States, Syria, the Central African Republic, the Democratic Republic of Congo, Eritrea, Guinea-Bissau, Iraq, Lebanon, Libya, Mali, Somalia, South Sudan, Sudan, Yemen, or any other nation or territory that is listed under the OFAC or any relevant sanctions list from the UN, EU, or other applicable authorities.

“Services” Services offered on the Platform as outlined in these Terms

“User”A person who has registered for an Account on the Platform.

“Wallet”A service designed for the purposes of maintaining, storing, and transferring cryptocurrency and various tokens.

“Cryptocurrency” A virtual asset refers to a digital representation of value that is capable of being traded or transferred electronically and can serve purposes related to payment or investment. It is important to note that virtual assets do not encompass digital representations of fiat currencies, securities, or other similar financial instruments