> For the complete documentation index, see [llms.txt](https://pait.gitbook.io/pait/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://pait.gitbook.io/pait/legal/terms-of-service.md). # Terms of Service Welcome, and thank you for visiting our website (hereinafter – "We", "Us", "Website" or "PAiT"). PAiT offers its multi-layered cryptocurrency payment processing platform, consisting of a mobile application and a website, provided by and on behalf of PAiT (hereinafter collectively – the "Platform"). Before using any feature of the Website or services accessible via the Website, please take your time to thoroughly read and understand the following terms and conditions (hereinafter – "Terms"). These Terms will form a legally binding agreement between you (hereinafter – "You" or "User") and the operator of the Website whenever you'll be using the Website. If You have not read and/or understood the provisions of these Terms, We recommend that You stop using the Website and refrain from making any transactions or using the services via the Website. 1. AGREEMENT TO TERMS 1.1. Before becoming a User and before accessing or using the Platform, the User must agree to these Terms. Unless the User and PAiT have signed a separate agreement regarding the Platform, these Terms constitute the entire and exclusive agreement between the User and PAiT regarding the User’s access to and use of the Platform and supersede any oral or written proposals, unsigned agreements, or other communications between the User and PAiT related to the User’s access to and use of the Platform. 2. DEFINITIONS 2.1. For purposes of these Terms, the following definitions apply: 2.1.1. "Digital Assets" means any digital representation of value or rights that may be transferred and stored electronically, using distributed ledger technology or similar technology, including but not limited to cryptocurrencies, stablecoins, and tokens. 2.1.2. "Discretionary Management" means the full power and authority granted by the User to the PAiT to make all investment and allocation decisions regarding the User’s Digital Assets without obtaining prior specific consent for each transaction. 2.1.3. "Earn Service" (or "Earn Function") means an optional digital asset deployment feature made available through the Platform under which eligible users may instruct PAiT to arrange for supported Digital Assets to be deployed, re-deployed, allocated, or otherwise used in connection with supported strategies, protocols, or third-party infrastructure, subject to these Terms. 2.1.4. "KYC/AML" means "Know Your Customer" and "Anti-Money Laundering" regulations and procedures designed to verify identity and prevent financial crimes. 2.1.5. "Platform" means the PAiT Website, mobile application, and related interfaces, software, tools, content, and services made available by PAiT. 2.1.6. "Third-Party Protocols" means third-party decentralized or centralized technologies, protocols, smart contracts, validators, liquidity pools, bridges, custody providers, exchanges, execution venues, or other infrastructure not owned or controlled by PAiT. 2.1.7. "Treasury Wallets" means one or more blockchain wallets or wallet infrastructure arrangements controlled by or for PAiT for operational custody, settlement, deployment, and rebalancing purposes in connection with the Platform. 2.1.8. "Yield" (or "Return") means the rewards or profits generated from the deployment of Digital Assets, which are subject to market conditions and are not guaranteed. 3. ELIGIBILITY AND ACCOUNT REGISTRATION 3.1. To be eligible to use the Platform and our services, You represent and warrant that: 3.1.1. You are at least 18 years of age or have reached the legal age of majority in Your jurisdiction; 3.1.2. You have the full capacity and authority to enter into this legally binding agreement; 3.1.3. You are not a resident or citizen of any Restricted Jurisdiction (as defined in Section 3.5); 3.1.4. You have not been previously suspended or removed from using our Platform. 3.2. Access to some or all features of the Platform may be subject to identity verification, sanctions screening, source-of-funds checks, AML/KYC review, fraud prevention review, and other onboarding or ongoing compliance procedures. You agree to provide accurate, complete, and up-to-date information and supporting documentation upon request. 3.3. You are solely responsible for maintaining the confidentiality of Your account credentials, including passwords and private security keys. Any activity occurring under Your account will be deemed to have been authorized by You. PAiT shall not be liable for any loss or damage arising from Your failure to protect Your login information. 3.4. You agree that all information provided to Us during and after registration is accurate, complete, and up-to-date. If We suspect that any information is false or misleading, We reserve the right to suspend or terminate Your account immediately. 3.5. You acknowledge that the legal and regulatory environment for Digital Assets is rapidly evolving and remains highly uncertain. Future changes in laws, government policies, judicial interpretations, regulatory expectations, sanctions regimes, or licensing requirements may significantly affect the Platform, the availability of certain services, and the treatment or value of Your Digital Assets. The availability of PAiT’s services is subject to the acquisition and maintenance of any licenses, registrations, approvals, consents, banking relationships, vendor relationships, or other permissions that PAiT may consider necessary or appropriate in relevant jurisdictions. If PAiT is unable to obtain, maintain, renew, or rely on such arrangements, or if PAiT is required or reasonably considers it necessary to suspend or restrict services for legal, regulatory, compliance, fraud prevention, or security reasons, PAiT may limit, suspend, or terminate access to the Platform or particular services, and may temporarily restrict account activity or withdrawals for so long as reasonably necessary and as permitted or required by applicable law. PAiT does not provide services to Users located in, resident in, or citizens of jurisdictions where the relevant services are prohibited or materially restricted. We reserve the right to restrict access to the Platform in certain jurisdictions at our sole discretion and, where legally permitted, without prior notice. It is Your responsibility to ensure that Your use of the Platform is lawful in Your jurisdiction. If You are uncertain about the legal status of the Platform or Digital Assets in Your jurisdiction, You should seek independent legal advice. 4. SUBSCRIPTION 4.1. Access to the Platform and its features, including the Earn Service, is subject to a recurring annual fee (the "Subscription Fee"). The specific amount and payment options for the Subscription Fee are as displayed within the mobile application at the time of purchase. 4.2. The Subscription Fee is a flat charge for the use of the Platform’s software and interface. PAiT does not charge separate management fees, performance fees, or transaction commissions for the discretionary management of Digital Assets within the Earn Service. All costs related to the management of assets are covered by the Subscription Fee, unless otherwise specified. 4.3. Subscription Fees are payable in advance. By subscribing, You authorize PAiT to charge the applicable fee to Your designated payment method. Your Subscription will automatically renew for successive annual periods unless You disable the auto-renewal feature in Your account settings before the current term expires. 4.4. You may cancel Your Subscription at any time. Upon cancellation, You will continue to have access to the Platform until the end of Your current prepaid billing period. To the maximum extent permitted by law, all payments are non-refundable, and PAiT does not provide refunds or credits for any partial-year subscription periods or unused features. 4.5. PAiT reserves the right to adjust Subscription Fees from time to time. Any price changes will apply only to subsequent renewal periods, and You will be notified of such changes in advance. 5. DESCRIPTION OF SERVICES AND PLATFORM FUNCTIONALITY 5.1. The Platform serves as a multi-functional gateway to the digital asset economy. Through the mobile application and Website, PAiT provides Users with an interface to manage digital asset transactions, monitor portfolio performance, and access specialized asset management tools. 5.2. The core functionality of the Platform is the "Earn Service", a custodial and discretionary asset management program. By activating the "Earn Function" and transferring Digital Assets into the designated environment, the User enters into a custodial relationship with PAiT. 5.3. By activating the Earn Service, you expressly authorize PAiT, on a discretionary basis and without requiring further instruction or consent from you in relation to each individual transaction, to manage, transfer, allocate, reallocate, rebalance, convert, deploy, withdraw, and otherwise use the Digital Assets associated with your participation in the Earn Service, as PAiT considers appropriate under its internal operational, liquidity, treasury, compliance, and risk-management policies. 5.4. You acknowledge that, while your Digital Assets are allocated to the Earn Service, you will not retain direct technical control over the relevant wallet infrastructure or private keys, and PAiT may take all actions it reasonably considers necessary to operate the Earn Service without obtaining separate approval from you for each action. 5.5. PAiT operates a sophisticated, multi-layered allocation model designed to generate yield while managing systemic risk: 5.5.1. PAiT manages assets through approximately six (6) primary investment strategies. These strategies may involve providing liquidity, staking, yield farming, or other market-neutral and directional activities within the digital asset space; 5.5.2. To mitigate the risk of individual protocol failure, PAiT exercises its absolute discretion to distribute and rebalance User funds across a diversified portfolio of approximately 40 to 100 distinct Third-Party Protocols and liquidity pools. 5.5.3. PAiT retains the right to modify, add, or remove investment strategies and specific protocol allocations at any time without prior notice or specific User consent. All allocation decisions are made based on the Company’s internal risk assessment and market analysis. 5.6. The Earn Service is designed to seek variable Yield opportunities, and PAiT may display within the Platform an indicative annualized Yield rate of up to twenty percent (20%) and/or an informational index, accrual metric, or similar performance indicator based on the then-current operating assumptions, strategy mix, protocol conditions, liquidity environment, and broader market conditions. Any such displayed rate, index value, accrual, projected annualized return, or similar performance metric is provided for informational and illustrative purposes only, may fluctuate over time, may slow, stop, or reverse, and does not constitute a guaranteed rate of return, fixed interest obligation, debt claim, insured product, or promise that any particular yield, index growth rate, or annualized return will be achieved. In normal or favorable market conditions, the indicative rate or index growth may be higher; in stressed, disrupted, illiquid, adverse, or default-like market conditions, the rate of index growth or accrual may materially decrease, pause, or become negative, which may result in a lower annualized return than previously indicated, no return at all, or loss of principal. Any value, accrual, or performance information displayed in the Platform may be updated frequently, including on a near real-time basis, but such display remains informational only and does not alter the risk profile of the Earn Service or create any obligation on PAiT to deliver a minimum or specific return. 5.7. PAiT is committed to providing high liquidity for its Users: 5.7.1. You may submit a request to withdraw Digital Assets allocated to the Earn Service at any time through the Platform, subject to applicable security checks, compliance requirements, and operational conditions. You acknowledge that withdrawal requests are not processed instantaneously and may require a settlement, unbonding, or de-allocation period depending on the underlying strategies, Third-Party Protocols, liquidity conditions, and network constraints. Because assets are diversified across up to 100 different locations, this process may require a "settlement period" (typically up to 24 hours) to ensure orderly de-allocation and to minimize slippage or network costs. Please be noted that PAiT does not guarantee that withdrawals will be processed immediately or within any fixed timeframe, and delays may occur where reasonably necessary to manage liquidity, execute protocol exits, comply with Applicable Law, or protect the integrity of the Platform. 5.7.2. The final amount returned to Your wallet upon withdrawal will be the net value of Your principal and accumulated yield. PAiT reserves the right to deduct any applicable third-party network fees required to execute the transaction on the blockchain. PAiT may, at its sole discretion, choose to waive or subsidize these fees as part of its promotional offers or subscription benefits, but is under no legal obligation to do so. 5.7.3. Please be aware that the amount returned to you upon withdrawal may differ from the amount initially allocated to the Earn Service and may reflect gains or losses, fees, slippage, protocol performance, and market conditions. 6. CUSTODY AND OWNERSHIP OF DIGITAL ASSETS 6.1. PAiT may hold or arrange for the holding of Your Digital Assets in one or more digital wallets, omnibus wallets, settlement wallets, custody arrangements, or other operational structures under PAiT’s control or maintained for PAiT’s benefit in connection with the Platform and the Earn Service. PAiT will maintain internal books and records intended to reflect the Digital Assets attributed to Your account and will seek to operationally separate client asset balances from PAiT’s own corporate treasury to the extent consistent with the design of the Platform, the Earn Service, and applicable law. However, unless expressly stated otherwise in writing, no specific wallet is required to be uniquely assigned to You. 6.2. As between You and PAiT, and subject to these Terms, PAiT does not claim beneficial ownership of the Digital Assets attributed to Your account solely by reason of providing the Platform or the Earn Service. However, You acknowledge and agree that the legal characterization, custody treatment, segregation status, tracing, recoverability, and treatment of Digital Assets may vary depending on the relevant jurisdiction, the operational structure used, the involvement of Third-Party Protocols or service providers, and applicable law, including insolvency law. Nothing in these Terms shall be interpreted as creating a bank deposit, trust, fiduciary account, bankruptcy-remote structure, or other protected arrangement unless expressly required by applicable law or expressly stated by PAiT in writing. 6.3. Subject to these Terms, You authorize PAiT to exercise control over, transfer, deploy, allocate, reallocate, rebalance, convert, withdraw, and otherwise use the Digital Assets associated with Your participation in the Earn Service as reasonably necessary for the operation of the Earn Service and the execution of PAiT’s discretionary management decisions. 7. PLATFORM USAGE AND ACCEPTABLE CONDUCT 7.1. You agree to comply with all Applicable Laws, these Terms, and all guidelines issued by PAiT. You shall not use the Platform or its content for any illegal or unauthorized purposes. 7.2. You are solely responsible for obtaining the data network access necessary to use the Website. If You access the Platform via a wireless device, Your network provider's data rates and fees may apply, and You are responsible for such costs. 7.3. You are responsible for acquiring and updating compatible hardware or devices required to access the Website and any subsequent updates. 7.4. You acknowledge that the Website may experience malfunctions, maintenance periods, or delays inherent in the use of the internet and electronic communications. 7.5. You are prohibited from uploading any images, graphics, photos, videos, or other content that is deemed illegal, offensive, harmful, threatening, defamatory, obscene, or otherwise objectionable, or that violates the intellectual property rights of any party. 7.6. You are exclusively responsible for the secure protection of Your login credentials, including Your username and password, used to access Your PAiT account. 7.7. You shall not abuse, harass, threaten, impersonate, or intimidate other users of the Platform. You remain fully responsible for Your conduct and any content You submit, post, or display on the Platform. 7.8. You are prohibited from modifying, adapting, or hacking the Platform. You must not modify another website so as to falsely imply that it is associated with PAiT. 7.9. You shall not crawl, scrape, or otherwise cache any content from the Platform, including but not limited to user profiles, images, and graphics. You agree not to use any automated data collection methods, bots, spiders, or extraction tools on the Platform. 7.10. You shall not create or provide unsolicited comments or content (spam) to any users of the Platform. You are prohibited from transmitting any malware, worms, viruses, or any code of a destructive or malicious nature. 7.11. You shall not use the Website or its content for advertising, solicitation, or any other commercial, political, or religious purposes, nor shall You use the Platform to directly or indirectly compete with PAiT. 7.12. If PAiT has reasonable grounds to believe that You have violated any provision of this Section, PAiT may, at its sole discretion, take appropriate action. Such sanctions may include, but are not limited to: (i) reporting the violation to governmental, law enforcement, or other authorities without prior notice to You; (ii) suspending or terminating Your access to PAiT services; (iii) taking any action deemed necessary to comply with applicable laws. 8. PLATFORM AVAILABILITY AND ACCESS 8.1. Since the provision of electronic services may be subject to interference or disruption, access to the Platform is offered strictly on an "as is" and "as available" basis. PAiT does not guarantee that the Platform will always be functional, secure, or free from errors. 8.2. We reserve the right, at any time and at our sole discretion, to restrict the availability of the Website and / or Platform to any person, geographic area, or jurisdiction. Furthermore, We may impose limits on Your use of the Website or terminate Your access and / or use of the Platform without prior notice. 8.3. PAiT may, at its sole discretion and without notice, terminate the operation of the Website or Your individual access to it for any of the following reasons: 8.3.1. decisions regarding the business model or service offerings; 8.3.2. maintenance, updates, or hardware/software failures; 8.3.3. to protect the Platform or User assets from potential threats; 8.3.4. to comply with applicable laws or orders from authorities; 8.3.5. any violation of these Terms or the terms and conditions of our third-party service providers. 8.4. You acknowledge that PAiT shall not be liable for any losses, damages, or inconvenience caused by the inability to access the Platform or the temporary or permanent suspension of its services. 9. RISK DISCLOSURES 9.1. You acknowledge that investing in blockchain protocols involves significant and inherent risks. PAiT makes no promise, representation, or warranty of profit. The value of Your Digital Assets is subject to extreme market volatility and could decrease significantly, potentially dropping to zero. You agree that You are prepared to bear the full economic risk of Your participation in the Earn Service. 9.2. By using the Platform, You expressly acknowledge that the market value of Digital Assets is not guaranteed and is subject to extreme volatility. The valuation of assets held within the Earn Service is influenced by a complex array of global factors, including but not limited to: the total supply and demand dynamics, market participants' willingness to exchange fiat for digital assets, and shifting expectations regarding inflation or deflation rates. Furthermore, prices may be drastically affected by interest rate fluctuations, government monetary policies, currency devaluations, and the trading activities of large-scale investors. You understand that news regarding cyber-thefts, regulatory crackdowns, or regional political instability can cause the value of Your assets to drop significantly or vanish entirely within a short period. PAiT does not guarantee the liquidity or any specific market price for assets committed to the Earn Service. 9.3. Cryptocurrencies and blockchain-based protocols represent a relatively new and insufficiently tested technology. Beyond the risks explicitly discussed in these Terms, there are inherent dangers associated with the purchase, holding, and management of Digital Assets that neither You nor PAiT can fully anticipate. These may manifest as unanticipated variations or combinations of technical failures, network congestion, or systemic market collapses. You agree that You are using the Platform and its underlying software at Your sole risk, fully aware that the technological landscape is experimental. 9.4. The Earn Service operates by deploying funds across a diversified portfolio of approximately 40 to 100 Third-Party Protocols. This broad exposure, while intended to manage risk, introduces significant smart contract risk. You acknowledge that a bug, exploit, or "hack" in the code of any single third-party protocol, or a failure in external data feeds ("Oracles"), could lead to the permanent loss of Your funds. In the event of such a failure, PAiT reserves the right to allocate these losses proportionally among all affected Users. You agree that PAiT is not an insurer and shall not be held responsible for the financial impact of failures occurring within external decentralized ecosystems. 9.5. PAiT does not provide personal legal, personal tax, or personalized financial advice or individualized recommendations through the Platform unless expressly agreed in a separate written agreement. Nothing contained on the Website, the Platform, or within any of our communications, including social media, should be construed as personalized investment advice, a recommendation tailored to Your personal circumstances, or a guarantee of financial outcome. Any information provided by PAiT is for general informational purposes only. You remain solely responsible for evaluating whether the Platform, the Earn Service, and any Digital Asset activity is suitable for You in light of Your own objectives, financial circumstances, liquidity needs, and risk tolerance. We strongly recommend that You consult qualified independent legal, tax, accounting, and financial advisers before making decisions in relation to the Platform or the Earn Service. Nothing in these Terms excludes, limits, or overrides any duty, obligation, or standard of conduct imposed on PAiT by Applicable Law to the extent such duty, obligation, or standard cannot lawfully be excluded or limited. 9.6. The tax treatment of Digital Assets is uncertain and varies by jurisdiction. It is Your exclusive responsibility to determine what taxes apply to the gains generated through the Earn Service and to report and remit those taxes to the appropriate authorities. You acknowledge that PAiT may be legally compelled by applicable laws to share information regarding Your transactions, payments, or distributions with governmental or tax bodies without prior notice to You. Furthermore, PAiT reserves the right to withhold or add taxes to Your transactions if required by law. 9.7. You acknowledge that PAiT is not a bank. The Digital Assets allocated to the Earn Service are not "deposits" in the traditional legal sense and are not protected by any government-backed insurance or deposit guarantee schemes. You should only commit funds to the Platform that You are prepared to lose in their entirety. You expressly agree that You use the Platform and the Earn Service at Your sole risk. 10. LIMITATION OF LIABILITY 10.1. Nothing in these Terms excludes or limits liability to the extent such liability cannot be excluded or limited under Applicable Law, including liability for fraud, fraudulent misrepresentation, willful misconduct, or any other liability which cannot lawfully be excluded or limited. 10.2. Subject to Section 10.1, PAiT, its affiliates, directors, employees, agents, contractors, licensors, and service providers shall not be liable to You or any third party for any indirect, incidental, special, consequential, exemplary, or punitive damages, including any loss of profits, loss of opportunity, loss of goodwill, loss of anticipated savings, loss of data, or other intangible losses arising out of or in connection with Your use of, or inability to use, the Platform or the Earn Service. 10.3. Subject to Section 10.1, PAiT shall not be liable for losses or damages arising out of or in connection with: 10.3.1. any loss of Digital Assets or value resulting from the failure, exploit, hack, insolvency, suspension, misconduct, depegging, slashing event, bridge failure, oracle failure, smart contract failure, or other malfunction of any Third-Party Protocol, liquidity pool, validator, service provider, or related infrastructure; 10.3.2. any interruption, malfunction, degradation, delay, congestion, or cessation of the Platform, the Website, supported blockchain networks, communications systems, custody infrastructure, or related third-party systems; 10.3.3. market volatility, liquidity shortages, market dislocation, forced deleveraging, default-like market conditions, or the performance or non-performance of Digital Assets, strategies, or Third-Party Protocols used in connection with the Earn Service; 10.3.4. taxes, duties, levies, withholding obligations, reporting obligations, or similar liabilities applicable to You; 10.3.5. unauthorized access to Your account, device, credentials, email account, recovery method, SIM card, or related environment, except to the extent directly caused by PAiT’s breach of a duty that cannot lawfully be excluded; 10.3.6. events beyond PAiT’s reasonable control, including government restrictions, regulatory changes, cyber incidents affecting third parties, war, civil unrest, natural disasters, pandemic-related disruption, or failures of utilities or communications networks. 10.4. Subject to Section 10.1, the total aggregate liability of PAiT arising out of or in connection with these Terms, the Platform, or the Earn Service, whether in contract, tort, breach of statutory duty, or otherwise, shall not exceed the greater of the total amount of Subscription Fees actually paid by You to PAiT during the twelve (12) months immediately preceding the event giving rise to the claim. 10.5. You agree to indemnify, defend, and hold harmless PAiT and its officers from any claims, liabilities, damages, and expenses (including legal fees) arising from Your breach of these Terms, Your violation of any applicable laws, or Your infringement of any third-party rights while using the Platform. 11. INDEMNIFICATION 11.1. You agree to indemnify, defend, and hold harmless PAiT, its parent company, subsidiaries, affiliates, and their respective strategic partners, directors, officers, employees, and agents (collectively, the "Indemnified Parties") from and against any and all claims, demands, actions, liabilities, losses, costs, and expenses, including reasonable legal and accounting fees arising out of or in any way connected with: 11.1.1. Your access to or use of the Platform and Earn Service; 11.1.2. Your breach or alleged breach of these Terms; 11.1.3. Your violation of any applicable laws, including but not limited to AML, counter-terrorist financing (CTF), or tax regulations; 11.1.4. Your infringement of any intellectual property or other rights of any third party. 11.2. Your obligation to indemnify covers all types of damages incurred by PAiT, including: 11.2.1. any funds lost or stolen due to Your fraudulent activity or negligence; 11.2.2. any penalties or fines imposed on PAiT by financial regulators or governmental bodies resulting from Your non-compliance with law; 11.2.3. all costs associated with defending a claim, including attorney fees, court costs, and settlement amounts; 11.2.4. costs associated with mitigating damage to PAiT’s brand or business operations caused by Your actions. 11.3. PAiT reserves the right, at Your expense, to assume the exclusive defense and control of any matter for which You are required to indemnify us. You agree to cooperate fully with PAiT’s defense of these claims. You shall not settle any claim without the prior written consent of PAiT. 11.4. To the extent permitted by applicable law, PAiT may set off amounts that are due, payable, and not reasonably disputed by You against balances otherwise available to Your account, provided that PAiT may, where reasonably practicable and legally permitted, give notice of such set-off. PAiT shall not exercise set-off in respect of disputed claims unless permitted by Applicable Law, ordered by a court or tribunal of competent jurisdiction, or otherwise finally determined through binding dispute resolution. 12. INTELLECTUAL PROPERTY RIGHTS 12.1. The Platform and all its constituent elements, including but not limited to the Mobile Application, Website, source code, object code, software, proprietary algorithms, database rights, user interface (UI) designs, graphics, "look and feel", branding, trademarks (including the name "PAiT"), and any documentation, are the sole and exclusive property of the Company or its licensors. These assets are protected by international copyright, design, trademark, patent, and trade secret laws. 12.2. Subject to Your strict compliance with these Terms and the payment of any applicable Subscription Fees, PAiT grants You a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Platform solely for Your personal, non-commercial use. This license does not constitute a sale of the software or any of its components. 12.3. You are strictly prohibited from, and shall not allow any third party to: 12.3.1. decompile, disassemble, or attempt to derive the source code, underlying ideas, or algorithms of the Platform; 12.3.2. reproduce, duplicate, or create derivative works based on the Platform’s design, functionality, or content; 12.3.3. remove, obscure, or alter any copyright, trademark, or other proprietary rights notices attached to or contained within the Platform; 12.3.4. use any "robot", "spider", "scraper" or other automated means to access the Platform for the purpose of extracting data or competitive intelligence; 12.3.5. use PAiT’s intellectual property for any commercial or competitive purpose without a separate written agreement from PAiT. 12.4. We welcome Your suggestions and ideas regarding the Platform ("Feedback"). However, by submitting Feedback, You agree that: 12.4.1. Your Feedback automatically becomes the property of PAiT without any compensation to You; 12.4.2. PAiT may use, distribute, and implement the Feedback for any purpose and in any way it deems fit; 12.4.3. You waive all "moral rights" in such Feedback. 12.5. You acknowledge that any unauthorized use of PAiT’s intellectual property may cause irreparable harm to PAiT for which monetary damages alone would be inadequate. In the event of such a breach, PAiT reserves the right to seek injunctive relief, account termination, and full recovery of legal costs, in addition to any other remedies available at applicable laws. 13. CONFIDENTIALITY 13.1. In connection with Your use of the Platform and the Earn Service, You may receive or gain access to non-public, proprietary, or sensitive information belonging to PAiT (the "Confidential Information"). This includes, but is not limited to: specific details regarding the 6 core investment strategies; the precise list and weighting of the 40 to 100 Third-Party Protocols used by PAiT; proprietary algorithms, technical specifications, and software architecture; non-public business plans, financial projections, and security protocols; any communication from PAiT support or management marked as confidential. 13.2. You agree to maintain the Confidential Information in strict confidence. You shall not disclose, publish, or disseminate any Confidential Information to any third party (including on social media, public forums, or to competitors) without the express prior written consent of PAiT. 13.3. You may use the Confidential Information solely for the purpose of managing Your own account and evaluating Your participation in the Earn Service. You are strictly prohibited from using this information to: 13.3.1. directly or indirectly compete with PAiT; 13.3.2. reverse engineer or replicate PAiT’s investment models; 13.3.3. create a similar service or product based on PAiT’s proprietary methodology. 13.4. The obligations of confidentiality shall not apply to information that: 13.4.1. is or becomes publicly known through no fault of Your own; 13.4.2. was already in Your possession before using the Platform without an obligation of confidentiality; 13.4.3. is independently developed by You without reference to PAiT’s Confidential Information. 13.5. If You are legally required by a court order or a governmental authority to disclose any Confidential Information, You must, to the extent legally permitted, provide PAiT with prompt written notice so that we may seek a protective order or other appropriate remedy to prevent the disclosure. 13.6. Your duty to protect PAiT’s Confidential Information survives the termination of Your Subscription and the closure of Your account for a period of two (2) years from the date of Your last access to the Platform. 13.7. You acknowledge that any unauthorized disclosure of Confidential Information could cause irreparable harm to PAiT’s competitive position. In the event of a breach, PAiT shall be entitled to seek immediate injunctive relief and to recover full damages, including any lost profits resulting from the disclosure. 14. GOVERNING LAW AND DISPUTE RESOLUTION 14.1. These Terms, and any non-contractual obligations arising out of or in connection with them, shall be governed by and construed in accordance with the laws of England and Wales. 14.2. Before commencing formal proceedings, each party will use reasonable efforts to resolve the dispute by written notice and good-faith discussions for at least 30 days, unless urgent injunctive or regulatory relief is required. If the dispute is not resolved within this period, either party may initiate formal proceedings. 14.3. Any dispute, controversy, or claim arising out of or relating to these Terms, including any question regarding their existence, validity, or termination, shall be referred to and finally resolved by arbitration under the LCIA Rules (London Court of International Arbitration), which Rules are deemed to be incorporated by reference into this clause. The number of arbitrators shall be one. The seat, or legal place, of arbitration shall be London, England. The language to be used in the arbitral proceedings shall be English. 14.4. To the maximum extent permitted by Applicable Laws, You agree that any proceedings to resolve or litigate any dispute will be conducted solely on an individual basis. You explicitly waive the right to participate in a class-action lawsuit, class-wide arbitration, or any other representative proceeding. 14.5. You agree that any claim or cause of action arising out of or related to the use of the Platform or these Terms must be filed within one (1) year after such claim or cause of action arose, or be forever barred. 15. AMENDMENTS AND MODIFICATIONS 15.1. We reserve the right to change or amend these Terms, the Website, or any content of the Platform from time to time, including for security, legal, or regulatory reasons, to reflect updates or changes to the Platform’s services or functionality. 15.2. PAiT may notify You of changes to these Terms through the Website, mobile application, email, or other reasonable means. Where a change is material, PAiT will use reasonable efforts to provide notice before the change takes effect, unless an immediate change is required for legal, regulatory, fraud-prevention, or security reasons. 15.3. Unless immediate effectiveness is required for legal, regulatory, fraud-prevention, or security reasons, material changes to these Terms will take effect on the date specified in the relevant notice. Your continued use of the Platform after the effective date of the updated Terms constitutes Your acceptance of those updated Terms. If You do not agree to a material change, You must stop using the affected services before the updated Terms take effect. 16. MISCELLANEOUS PROVISIONS 16.1. This Agreement and the Privacy Policy, along with any other applicable policies or legal notices published by PAiT on the Website or within the Platform, set forth the entire understanding and agreement between You and Us with respect to the subject matter hereof. This Agreement supersedes any and all prior discussions, agreements, and understandings of any kind (including any prior versions of this Agreement) and every nature between and among You and PAiT. 16.2. If any provision of these Terms is held by a court or tribunal of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be eliminated or limited to the minimum extent necessary. The remaining provisions of the Terms shall continue in full force and effect. 16.3. All provisions of these Terms which by their nature should survive the termination of this Agreement shall continue to bind the Parties. This includes, without limitation, sections regarding Intellectual Property Rights, Confidentiality, Risk Disclosures, Indemnification and Damages, Limitation of Liability, and Governing Law and Dispute Resolution. 16.4. No failure or delay by PAiT in exercising any right, power, or remedy under these Terms shall operate as a waiver of that right. A waiver of any breach of these Terms shall not be deemed a waiver of any subsequent breach. 16.5. PAiT shall not be liable for any delays, failure in performance, or interruption of service which result directly or indirectly from any cause or condition beyond our reasonable control. This includes, but is not limited to: significant market disturbances, blockchain network failures, cyber-attacks on third-party protocols, acts of civil or military authorities, or changes in government regulatory requirements.