Terms of Use

1Operator and Group Structure

The platform and wallet layer of the Platform is operated by INCPT Wallet Wyoming LLC, a company incorporated in the State of Wyoming, United States (the “Company”), unless expressly stated otherwise for a particular service, product, or function.

Certain products, infrastructure elements, or service components available through the Platform may be provided by:

• affiliated entities of the Company;
• independent third-party providers;
• payment, card, banking, custodial, AML, KYC, KYT, compliance, liquidity, exchange, staking, technical, cloud, hosting, or infrastructure partners.

Certain staking, yield, and CeDeFi products may be provided by Crypto Invest Bank INCEPTION Delaware LLC, acting as an independent provider of yield and product services, where expressly stated in the relevant product documentation.

Certain compliance / VASP-related infrastructure elements may be operated, supported, or maintained by Inception-crypto s.r.o. in the Czech Republic, where applicable to a specific service, infrastructure component, or compliance procedure.

Certain corporate, intellectual property, branding, strategic, administrative, support, or other group functions may be carried out by CIBINCEPTION LTD, a private limited company incorporated in England and Wales under the Companies Act 2006, company number 15977923, with its registered office at Flat C, 5 Fassett Road, Kingston-Upon-Thames, United Kingdom, KT1 2TD.

2Regulatory and Infrastructure Clarification

The User understands and agrees that certain compliance, AML, KYC, KYT, and VASP-related functions of the Platform may be provided by Inception-crypto s.r.o. as part of the applicable virtual asset infrastructure.

Reference to Inception-crypto s.r.o. does not mean that all services, products, or functions of the Platform are provided exclusively by this company, nor does it mean that all elements of the Platform are subject to a single regulatory regime of one jurisdiction.

Certain products, functions, and infrastructure elements of the Platform may be provided or supported by other affiliated group entities, independent providers, and counterparties depending on the type of service, the User’s jurisdiction, the nature of the product, and applicable compliance requirements.

3Nature of the Platform

CIB INCEPTION is a digital CeDeFi platform that may provide the User with access to:

• digital wallet functionality;
• interfaces for holding, transferring, and accounting for digital assets;
• staking, yield, liquidity, and other CeDeFi products;
• AI tools for navigation and information purposes;
• payment, card, exchange, and related infrastructure;
• additional digital services available through the Platform.

The Company:

• is not a traditional bank;
• does not accept bank deposits;
• does not open bank savings or deposit accounts, unless expressly stated otherwise in separate documentation;
• is not an investment adviser, broker, asset manager, fiduciary, or financial consultant, unless expressly required by applicable law and confirmed in a separate written document.

Use of the Platform does not constitute the opening of a bank account, savings account, deposit account, or any other traditional banking product.

4Definitions

For the purposes of these Terms:

“Platform”

means the digital ecosystem of CIB INCEPTION and all related interfaces, products, and services.

“Company”

means INCPT Wallet Wyoming LLC as the operator of the platform and wallet layer.

“User”

means any individual or legal entity using the Platform.

“Account”

means a user account created within the Platform.

“Digital Assets”

means cryptocurrencies, stablecoins, tokens, and other blockchain-based units of value supported by the Platform.

“Wallet”

means the wallet functionality available through the Platform.

“Staking”

means the voluntary placement or allocation of Digital Assets into a Vault, CeDeFi protocol, liquidity product, yield strategy, or other income-generating product.

“Vault”

means a liquidity pool and/or product accounting mechanism that may operate through a smart contract and may be used for pooling, accounting, routing, and allocating Digital Assets.

“AI Router”

means the internal allocation logic, routing system, or capital distribution mechanism used to allocate capital among available strategies.

“Yield”

means any accruals, rewards, returns, profit, premiums, or other economic benefits associated with a product.

“Affiliates”

means any persons or entities directly or indirectly related to the Company through ownership, control, group structure, contractual, or operational relationships.

“Third-Party Providers”

means any persons or entities, other than the User or the Company, involved in providing specific functions, products, or infrastructure.

5Eligibility

By using the Platform, the User represents and warrants that:

• the User is at least 18 years old or has reached the age of majority in the relevant jurisdiction;
• the User has full legal capacity to enter into binding agreements;
• the User acts in their own name or has proper authority to act on behalf of a legal entity;
• the User is not located in a jurisdiction where use of the Platform is prohibited;
• the User is not acting on behalf of a person subject to sanctions, restrictions, or prohibitions;
• all information provided to the Company is true, complete, current, and not misleading;
• the Platform will not be used in violation of applicable law.

The Company may refuse access to the Platform, suspend onboarding, or deny services to any User where reasonably necessary for legal, operational, risk, security, or business reasons.

6Account and Security

To use certain functions of the Platform, the User may be required to create an Account and complete onboarding, verification, or compliance procedures.

The User must:

• keep login credentials secure and confidential;
• immediately notify the Company of any unauthorized access or suspicious activity;
• not transfer or sell access to the Account;
• not create or use an Account on behalf of another person without proper authority;
• not use false, fictitious, misleading, or nominee information.

The User is responsible for all activity carried out through their Account unless otherwise proven under applicable law.

7Verification, AML, Compliance, and Source of Funds

The Company may at any time request:

• identity verification documents;
• address verification documents;
• information regarding source of funds;
• information regarding source of wealth;
• information concerning the origin of Digital Assets;
• information regarding the purpose of transactions;
• information concerning the beneficial owner;
• any other documents, declarations, or explanations that the Company deems necessary for AML, compliance, sanctions control, security, or fraud prevention purposes.

The Company may delay, restrict, reject, suspend, or block access to the Account, transactions, withdrawals, or Platform functionality where necessary for:

• AML / CFT reviews;
• sanctions screening;
• fraud prevention;
• anti-abuse control;
• compliance with law;
• internal risk management;
• security of the Platform and its infrastructure.

The Company is not required to disclose its internal scoring, transaction monitoring rules, fraud indicators, compliance triggers, or internal investigation methods.

8Wallet and Digital Asset Operations

The Platform may provide the User with access to the Wallet for holding, accounting for, receiving, sending, and otherwise interacting with supported Digital Assets.

The User bears sole responsibility for:

• verifying wallet addresses, supported networks, and transaction parameters;
• understanding the finality and irreversibility of blockchain transactions;
• ensuring the lawful origin and lawful use of assets;
• complying with the laws of the User’s jurisdiction;
• reviewing all transaction information before confirming any operation.

Blockchain transactions may be irreversible. The Company is under no obligation to reverse, return, or amend a transaction where this is technically impossible, legally unjustified, or operationally unreasonable.

9Staking, Vault, and Yield Products

The Platform may allow the User to place Digital Assets into staking, liquidity, yield, and other CeDeFi products.

By activating such a product, the User understands and agrees that:

• Digital Assets may be transferred into a Vault;
• the Vault may operate through a smart contract;
• liquidity may be routed through an internal AI Router;
• Digital Assets may be allocated among available strategies;
• the value of the User’s position may change dynamically;
• any Yield may depend on market conditions, strategy performance, liquidity, fees, counterparties, and operational conditions.

The User also understands that any APY, APR, projected yield, return estimate, accrual rate, or similar figures displayed on the Platform:

• are indicative only;
• may change at any time;
• are not fixed or guaranteed unless expressly stated otherwise in separate product documentation;
• may be reduced, adjusted, suspended, or cancelled.

Detailed rules applicable to staking and yield products are set out in separate Staking Terms. In the event of any conflict between these Terms and the Staking Terms, the Staking Terms shall prevail with respect to staking and yield products.

10Third-Party Providers

The Platform may integrate, link to, or provide access to services operated by Third-Party Providers, including:

• payment services;
• card products;
• banking and fiat partners;
• custodial providers;
• blockchain analytics providers;
• KYC / AML / KYT vendors;
• exchange and liquidity providers;
• DeFi protocols;
• hosting, cloud, and infrastructure support;
• AI and analytics tools.

Such services may be governed by separate terms. By using such functions, the User acknowledges that:

• the Company does not fully control the acts, omissions, decisions, approvals, terms, pricing, or availability of Third-Party Providers;
• Third-Party Providers may apply their own eligibility rules, compliance checks, limits, fees, and restrictions;
• the Company does not guarantee approval, issuance, availability, merchant acceptance, continuity of service, or legal availability of any third-party service in any specific jurisdiction.

11AI Interface and Informational Nature of Materials

The Platform may include AI interfaces, automated prompts, calculation models, informational materials, analytics modules, FAQ, articles, notifications, and other digital tools.

All such materials are provided for informational purposes only.

Nothing on the Platform constitutes:

• investment advice;
• financial advice;
• legal advice;
• tax advice;
• a personal recommendation;
• a promise of profit;
• a fiduciary recommendation;
• an offer to enter into a regulated banking or investment product.

12No Fiduciary Duty

Neither the Company, nor its Affiliates, nor any Third-Party Providers undertake fiduciary duties toward the User unless expressly required by mandatory law or confirmed in a separate written agreement.

Use of the Platform does not create a relationship of trust management, investment advisory, partnership, joint venture, agency, or any other fiduciary relationship.

13Prohibited Conduct

The User may not use the Platform for:

• money laundering;
• terrorist financing;
• sanctions evasion;
• fraud, deception, theft, or misappropriation;
• unlawful sale of goods or services;
• distribution of malicious software or cyber abuse;
• exploitation of bugs or vulnerabilities;
• unauthorized provision of financial services;
• Ponzi schemes, pyramids, or misleading investment structures;
• any other unlawful, abusive, or bad-faith conduct.

14Anti-Abuse, Multi-Accounting, and Fraud Against the Platform

The User is prohibited from engaging in any conduct aimed at obtaining an improper advantage at the expense of the Platform, its infrastructure, other Users, the referral system, staking mechanics, reward logic, accounting rules, technical delays, bugs, or operational features.

Such prohibited conduct includes, without limitation:

• multi-accounting;
• creation of fake, nominee, duplicate, technical, or related accounts;
• use of third-party accounts to increase allocation and place the User’s own funds;
• routing personal funds through friends, relatives, employees, agents, nominees, or affiliated persons in order to bypass Platform rules;
• artificial generation of referral profit;
• artificial extraction of staking yield;
• circular transfers among related accounts;
• concealment of linked ownership structures or coordinated control;
• exploitation of calculation errors, bugs, interface inconsistencies, delays, accounting mismatches, or infrastructure vulnerabilities;
• attempts to obtain payouts, bonuses, rewards, or yield in a manner contrary to the economic logic of the product;
• any other actions or omissions aimed at causing the Platform, the Company, its Affiliates, providers, or other Users material, financial, operational, reputational, technical, or other damage, or creating a substantial risk of such damage.

Where the Company identifies or reasonably suspects such conduct, it may, without prior notice:

• restrict or block the Account;
• freeze Digital Assets during the review period;
• suspend withdrawals;
• cancel improperly accrued Yield, rewards, bonuses, referral income, and any other benefits;
• recalculate balances, accruals, product results, and economic benefits;
• terminate access to the Platform;
• share relevant information with Affiliates, providers, compliance vendors, and competent authorities where legally justified.

The User agrees that any improperly obtained income, bonuses, rewards, or other economic benefits shall not be regarded as lawfully acquired and may be cancelled unilaterally by the Company.

15Fees, Limits, Yield, and Product Parameters

The Company reserves the right, at any time, to change:

• fees;
• limits;
• supported Digital Assets;
• supported networks;
• available functions;
• access conditions;
• interface parameters;
• available integrations;
• product settings and infrastructure configurations;
• staking yield;
• any bonuses;
• referral rewards;
• rules governing the accrual of Yield, rewards, bonuses, and referral income.

Where mandatory law requires otherwise, such changes shall be applied in accordance with applicable law.

16Taxes

The User is solely responsible for:

• determining the tax consequences of using the Platform;
• filing all required tax returns;
• paying taxes, duties, levies, and mandatory charges;
• obtaining independent tax advice where necessary.

The Company is under no obligation to calculate, withhold, report, or pay taxes on behalf of the User unless expressly required by law.

17Risk Disclosure

Use of the Platform involves significant risks, including, without limitation:

• market risk;
• volatility of Digital Assets;
• depeg risk of stablecoins;
• smart contract risk;
• blockchain failure or congestion risk;
• liquidity risk;
• withdrawal delay risk;
• oracle / protocol failure risk;
• cybersecurity incidents;
• risks associated with Third-Party Providers;
• legal and regulatory change risk;
• sanctions risk;
• partial or total loss of Digital Assets;
• partial or total loss of Yield.

The User uses the Platform entirely at the User’s own risk.

18Limitation of Liability

To the maximum extent permitted by law, the Company, its Affiliates, officers, directors, employees, contractors, providers, and partners shall not be liable for:

• indirect losses;
• loss of profit;
• loss of business opportunity;
• loss of data;
• decrease in value of Digital Assets;
• loss of Yield;
• acts or omissions of Third-Party Providers;
• unavailability of blockchain networks, protocols, smart contracts, providers, or infrastructure;
• User errors;
• force majeure events;
• restrictions, freezes, or delays applied as part of compliance, AML, sanctions, fraud, or security reviews.

To the fullest extent permitted by law, the Company shall not be liable for any losses, loss of assets, decrease in asset value, loss of yield, lack of available liquidity, delay or inability to withdraw, or any other adverse consequences arising in connection with the placement of Digital Assets in Staking Products, except where such liability cannot be excluded under applicable law.

19Indemnification

The User agrees to indemnify and hold harmless the Company, its Affiliates, officers, directors, employees, contractors, and partners from and against any losses, liabilities, claims, sanctions, fines, damages, expenses, and reasonable legal fees arising out of or relating to:

• the User’s breach of these Terms;
• infringement of third-party rights;
• unlawful use of the Platform;
• false, misleading, or incomplete information provided by the User;
• fraudulent, abusive, or anti-abuse conduct;
• violation of applicable law.

20Suspension and Termination of Access

The Company may at any time, in whole or in part:

• suspend access to the Platform;
• restrict the use of any function;
• block an Account;
• terminate services to a User;
• discontinue a product;
• terminate an integration with a provider.

Such measures may be taken for legal, technical, business, compliance, anti-fraud, security, operational, or reputational reasons.

21Force Majeure

The Company shall not be liable for any delay, interruption, or failure to perform caused by circumstances beyond its reasonable control, including:

• war;
• terrorism;
• civil unrest;
• natural disasters;
• epidemics or pandemics;
• governmental actions;
• sanctions;
• communications failures;
• data center outages;
• blockchain failures;
• mass cyberattacks;
• failures of Third-Party Providers;
• other extraordinary circumstances.

22Intellectual Property

All rights, title, and interest in and to the Platform, including:

• software;
• interface structure;
• branding;
• trademarks;
• texts;
• design;
• graphics;
• databases;
• content;
• documentation,

belong to the Company, its Affiliates, or the respective right holders.

The User may not copy, modify, decompile, distribute, license, sell, or otherwise use such materials without the prior written permission of the relevant right holder.

23Amendments to the Terms

The Company may amend these Terms at any time. The updated version becomes effective upon publication unless stated otherwise.

Continued use of the Platform after the amendments take effect constitutes the User’s acceptance of the revised Terms.

24Governing Law and Dispute Resolution

These Terms shall be governed by the laws of England and Wales, unless mandatory law provides otherwise.

Any dispute, controversy, or claim arising out of or in connection with these Terms or the use of the Platform shall be subject to the courts of England and Wales, unless mandatory law requires otherwise.

Before initiating formal proceedings, the parties shall use reasonable efforts to resolve the matter through written notice and pre-dispute communication using the contact details published by the Company.

25Waiver of Collective Actions

To the extent permitted by applicable law, the User agrees that any claim against the Company may be brought only on an individual basis and not as part of any class action, collective action, representative action, or similar proceeding.

If this provision is found unenforceable in a relevant jurisdiction, it shall apply to the maximum extent permitted by law.

26Severability

If any provision of these Terms is held invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect.

27No Waiver

Failure or delay by the Company in exercising any right or remedy under these Terms shall not constitute a waiver of such right or remedy.

28Entire Agreement

These Terms, together with all documents expressly incorporated by reference, constitute the entire agreement between the User and the Company regarding the use of the Platform.