These Terms of Use (the "Terms") govern your access to and use of the website(s), platform(s), portals, systems, applications, APIs, and related services made available by Liquidity Fintech FZE (the "Company", "LTP UAE", "we", "us", or "our") (collectively, the "Services").

Liquidity Fintech FZE is a company incorporated in the Dubai World Trade Centre, and is authorised and regulated by the Virtual Assets Regulatory Authority ("VARA") in the Emirate of Dubai to conduct certain Virtual Asset activities within the scope of its licence and applicable VARA Rulebooks.

By accessing or using the Services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not access or use the Services.

The Services are intended solely for Qualified Investors and Institutional Clients, as defined under VARA regulations and applicable rulebooks.

By accessing or using the Services, you represent and warrant that:

• you are a Qualified Investor or an Institutional Client (as applicable);
• you have the legal capacity and authority to enter into binding agreements (and, if acting on behalf of an entity, you are duly authorised to do so);
• you are not located in, incorporated in, or acting on behalf of any person or entity in a jurisdiction where access to the Services would be unlawful or would require licences/approvals not held by the Company;
• you are not a sanctioned or prohibited person, and you will not use the Services in violation of applicable sanctions, AML/CFT laws, or other applicable laws and regulations.

We may require you to provide information or documentation to verify eligibility and may restrict, suspend, or refuse access at our discretion where required by law, regulation, or internal controls.

Liquidity Fintech FZE provides Virtual Asset services only to the extent authorised under its licence issued by VARA and in accordance with the applicable VARA Rulebooks, as amended from time to time (the "Authorised Services").

The Authorised Services may include, where permitted under the Company's licence and subject to applicable regulatory approvals, onboarding requirements, and contractual arrangements:

• Broker-Dealer Virtual Asset services, including trade execution and over-the-counter (OTC) transactions; and
• any additional Virtual Asset services that the Company may be authorised to provide by VARA from time to time.

The availability, scope, and features of any Authorised Service are subject to:

• the Company's prevailing licence permissions;
• successful client onboarding, classification, and (where required) suitability assessments;
• applicable legal, regulatory, and internal risk management requirements; and
• any additional terms, disclosures, policies, or service-specific agreements notified to you.

For the avoidance of doubt, no service shall be deemed to be offered unless and until the Company is expressly authorised to provide such service by VARA and has made it available in accordance with applicable regulatory requirements.

Any information made available through the Services (including market information, commentary, educational materials, or operational guidance) is provided for general informational purposes only.

Unless expressly agreed otherwise in a separate written agreement with you (and only where permitted by applicable law and regulation):

• we do not provide investment advice, legal advice, tax advice, or accounting advice;
• we do not make recommendations regarding specific Virtual Assets, strategies, or transactions; and
• you must not rely on any information in the Services as the basis for any investment decision.

Where you access an Authorised Service that is governed by additional terms (including service schedules, product terms, account terms, or platform rules), those additional terms will apply in addition to these Terms. In the event of a conflict, the service-specific terms will prevail only with respect to that service.

5.1 Client responsibility

You are solely responsible for:

• the legality, accuracy, completeness, and authenticity of any instruction, order, request, or information you submit;
• ensuring that any wallet addresses, account identifiers, beneficiary details, and transaction parameters are correct; and
• all decisions to transact, including assessing suitability and risks.

You acknowledge that Virtual Asset transactions may be irreversible once executed or recorded on a distributed ledger, and errors may result in loss with limited or no recourse.

5.2 Receipt and processing

We may receive and process instructions through the channels we designate from time to time (including online interfaces, APIs, or authorised personnel). We may reject, delay, suspend, or request further verification for any instruction or activity where:

• required by applicable laws, regulations, VARA rulebooks, sanctions, or AML/CFT obligations;
• we identify operational, cyber, fraud, or security risks;
• the instruction originates from unauthorised channels, domains, IPs, devices, credentials, or users;
• there are discrepancies, insufficient information, or concerns regarding the source of funds/wealth; or
• we determine, in our discretion, that processing the instruction may expose the Company or clients to undue risk.

Where appropriate, we may record the relevant activity, apply enhanced review, and report matters to competent authorities as required by law.

5.3 No guarantee of execution

We do not guarantee that any instruction will be executed, filled, routed, or settled, in whole or in part. Execution outcomes may be affected by market conditions, volatility, liquidity, network congestion, third-party outages, and other factors beyond our control.

You acknowledge that Virtual Assets and related transactions involve significant risk, including:

• extreme price volatility and potential total loss of value;
• liquidity constraints and inability to sell or transfer at desired times or prices;
• irreversibility of transactions and operational errors;
• technological, cybersecurity, and fraud risks (including hacks, phishing, and targeted attacks);
• legal and regulatory risks, including changes in law and enforcement action; and
• limited protections compared to traditional financial products, including the absence of deposit insurance or compensation schemes.

You agree that you will review our published risk disclosures and that you assume full responsibility for risks arising from your use of the Services.

Fees, commissions, spreads, mark-ups, or other charges (where applicable to an Authorised Service) will be disclosed to you through the Services and/or in service-specific terms prior to execution or use.

We may amend fees from time to time in accordance with applicable law and our contractual arrangements with you.

We comply with applicable UAE AML/CFT laws, sanctions requirements, and VARA rulebooks. You agree to provide information and documentation as reasonably requested for compliance purposes, including onboarding, KYC/KYB, ongoing monitoring, source of funds/wealth, and transaction screening.

We may monitor usage of the Services and take such actions as we consider necessary to comply with our legal and regulatory obligations.

All intellectual property rights in the Services, including software, code, text, graphics, logos, and other materials, are owned by or licensed to us. You may not copy, modify, translate, distribute, reverse engineer, decompile, disassemble, or create derivative works from the Services except to the extent permitted by applicable law.

We process personal data in accordance with applicable UAE data protection laws (including the UAE Federal Personal Data Protection Law, as applicable) and our Privacy Notice, which forms part of these Terms by reference. Please review the Privacy Notice for details on our data collection, use, sharing, and retention practices, as well as your rights.

You must maintain the confidentiality of any credentials, keys, passwords, tokens, or access mechanisms associated with your use of the Services and promptly notify us of any suspected unauthorised access or security incident.

We may implement security controls (including multi-factor authentication, device checks, and session limits) and may change them from time to time.

We may suspend, restrict, or terminate your access to the Services (in whole or in part) without liability where:

• required by law, regulation, or competent authority;
• you breach these Terms or any service-specific terms;
• we identify fraud, security, AML/CFT, sanctions, or other compliance risks; or
• continued access may expose the Company, clients, or third parties to undue risk.

The Services may rely on or integrate third-party infrastructure, platforms, or service providers. We are not responsible for third-party services, outages, or acts/omissions, except to the extent required by applicable law.

Links to third-party sites are provided for convenience only and do not constitute endorsement.

The Services are provided on an "as is" and "as available" basis, to the fullest extent permitted by law. We disclaim all warranties, express or implied, including any warranties of merchantability, fitness for a particular purpose, and non-infringement, except to the extent such disclaimers are not permitted by applicable law.

To the maximum extent permitted by law, we will not be liable for any indirect, consequential, special, punitive, or exemplary damages, or any loss of profits, revenue, business, goodwill, opportunity, or data arising from or related to your use of the Services.

Nothing in these Terms excludes or limits liability for fraud or wilful misconduct, or any liability that cannot be excluded under applicable law.

You agree to indemnify and hold harmless the Company and its directors, officers, employees, and agents from and against any claims, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• your breach of these Terms or any service-specific terms;
• your violation of applicable laws or regulations;
• your misuse of the Services; or
• your instructions, transactions, or interactions with third parties through the Services.

These Terms are governed by the laws of the Emirate of Dubai and the applicable federal laws of the United Arab Emirates.

Subject to any mandatory legal requirements, the courts of Dubai shall have exclusive jurisdiction over disputes arising out of or in connection with these Terms.

We may amend these Terms from time to time. Updated versions will be published on the website and take effect upon publication (or such later date as stated). Your continued use of the Services after such changes constitutes acceptance of the updated Terms.

Liquidity Fintech FZE

Floor 23, Unit EO44 SRT, Sheikh Rashid Tower Dubai World Trade Centre, Sheikh Zayed Road, Dubai, United Arab Emirates

Email: [[email protected]]