Token Terms & Conditions

Last Updated: February 1, 2026

This website is managed by InSoBlok Ltd. ("InSoBlok," "Company," "we," "us," or "our"). These Token Terms and Conditions (the "Token Terms" or "Token Agreement") govern all aspects related to the Digital Assets (as defined below) available through www.insoblokai.io (the "Site") and any mobile applications and services offered by InSoBlok (collectively referred to as the "Services"). The terms "You" or "User" refer to any individual who views, uses, accesses, browses, or submits content to the Services.

These Token Terms are integrated with the InSoBlok Terms of Use, which are incorporated by reference. Any capitalized terms not defined in these Token Terms will have the meanings assigned to them in the Terms of Use.

PLEASE READ THESE TOKEN TERMS CAREFULLY. IF YOU DO NOT AGREE WITH THESE TERMS (AS DEFINED HEREIN), DO NOT PURCHASE (DIRECTLY OR INDIRECTLY) OR CONTINUE TO HOLD OR USE THE TOKENS (AS DEFINED BELOW). THESE TERMS DO NOT CONSTITUTE A PROSPECTUS OR OFFERING DOCUMENT, AND DO NOT REPRESENT AN OFFER TO SELL, NOR A SOLICITATION OF AN OFFER TO PURCHASE ANY INVESTMENT, FINANCIAL INSTRUMENT, OR SECURITY IN ANY JURISDICTION.

BY CONTRIBUTING TO A SELLER (AS DEFINED IN THESE TOKEN TERMS) OR ANY INTERMEDIARY FOR THE PURCHASE OF TOKENS, OR BY CONTINUING TO HOLD OR USE TOKENS ACQUIRED THROUGH ANY MEANS, YOU AGREE TO BE BOUND BY THESE TERMS AND ALL TERMS INCORPORATED HEREIN BY REFERENCE. ACCEPTING THESE TERMS MEANS YOU ENTER INTO A BINDING AGREEMENT WITH THE SELLER, WHICH INCLUDES PROVISIONS AFFECTING YOUR LEGAL RIGHTS. THE ACQUISITION, HOLDING, AND USE OF DIGITAL TOKENS INVOLVE VARIOUS RISKS (INCLUDING FINANCIAL RISKS), SOME OF WHICH THE SELLER HAS OUTLINED IN THESE TERMS. IF YOU HAVE ANY QUESTIONS ABOUT THE APPROPRIATENESS OF PURCHASING, HOLDING, OR USING THE DIGITAL TOKENS MENTIONED HEREIN, WE RECOMMEND SEEKING PROFESSIONAL ADVICE.

THIS DOCUMENT DOES NOT CONSTITUTE LEGAL, FINANCIAL, BUSINESS, OR TAX ADVICE, AND YOU SHOULD CONSULT WITH YOUR OWN LEGAL, FINANCIAL, TAX, OR OTHER PROFESSIONAL ADVISOR BEFORE ENGAGING IN ANY RELATED ACTIVITIES.

1. Ownership and Rights to Digital Assets and NFTs

You hold ownership of your Digital Assets. In this Agreement, "Digital Asset" refers to any digital item, including virtual currencies, tokens, NFTs, or virtual commodities, which represent value based on a cryptographic protocol within a computer network, whether existing now or developed in the future. Each Digital Asset is recorded on the blockchain. A "Seller" can be the Company, its affiliates, a user, an intermediary, an exchange, or any other party involved in the sale of Digital Assets. Upon purchasing a Digital Asset, you acquire rights to it according to the terms of the purchase and sale agreement. Ownership is governed entirely by the smart contract and blockchain where the purchase occurred. We will not seize, freeze, or alter the ownership of any Digital Assets you possess, and you acknowledge that we are not responsible for any issues related to your purchase and receipt of Digital Assets acquired through our Services and Offerings.

(a) Usage

All licenses and terms related to the use and publication of Digital Assets you own or purchase via our Services are dictated by the specific terms associated with those Digital Assets. Any display, sharing, communication, or transmission of images or content related to your Digital Assets through our Services is subject to the provisions of these Token Terms and our Policies.

(b) Risks

You acknowledge and accept the following:

(i) If you choose to sell your Digital Assets, be aware that their prices are highly volatile, influenced by fluctuations in the market that can affect their value both positively and negatively. Due to this volatility, Digital Assets should not be viewed as traditional investments. You assume all associated risks.
(ii) Ownership of a Digital Asset grants you ownership of the associated digital Asset only. Therefore, no information provided on this Site (or in any referenced documents) should be interpreted as investment advice or an invitation to enter into any investment agreement. Furthermore, nothing on this Site constitutes an offering of securities in any jurisdiction, nor does it serve as an offer or invitation to purchase shares, securities, or other financial products. Given the nature of this project, Digital Assets have only been registered and approved by one jurisdiction, the British Virgin Island authority, it is your responsibility to ensure that your purchase of the Digital Asset with all applicable laws and regulations in your area.
(iii) You accept all risks related to the use of an Internet-based currency, which include, but are not limited to, risks associated with hardware, software, and Internet connectivity, the potential introduction of malicious software, and the risk that unauthorized third parties may gain access to information stored in your wallet.
(iv) Digital Assets, cryptocurrencies, and blockchain technology are emerging fields, and the regulatory environment is still evolving. New regulations could adversely affect these technologies and, consequently, the value of your Digital Asset. You acknowledge and accept all associated risks.
(v) You accept full responsibility for any negative impacts resulting from disruptions or issues related to the Ethereum platform. InSoBlok is not obligated to monitor any content or transactions. You are solely accountable for any adverse consequences arising from submitting or sharing content or engaging with other users through our Services.

(c) Fees and Payments

When you choose to purchase a Digital Asset through our Services, all financial transactions will occur across various blockchain networks. We do not have visibility into or control over these payments and cannot reverse any transactions. InSoBlok is not liable to you or any third party for any claims or damages that may arise from transactions you conduct or engage in through the blockchain networks. Most blockchain networks impose transaction fees for each operation conducted. These fees support the network of computers that maintain the blockchain and facilitate your purchase, sale, or transfer of Digital Assets. Consequently, you will be responsible for paying these fees for every transaction.

2. Tokens – Digital Wallets, Token Purchases, and Token Usage

Your purchase of InSoBlok's Tokens, INSO Tokens, or any other tokens that the Company may issue (collectively referred to as "Tokens"), whether through an intermediary or directly, as well as your continued holding or use of these Tokens, is governed by the terms outlined in these Token Terms. By accessing or using our Services, purchasing Tokens, or maintaining possession of Tokens, you agree to comply with these terms. It is important that you read this document thoroughly before agreeing to the Token Terms. If you disagree with any part of these terms or do not wish to be bound by them, you should refrain from accessing our Services or participating in our offerings and will not be permitted to purchase or continue using the Tokens. The Company, its affiliated entities, and/or Sellers are not obligated to keep a copy of these Terms available on the website following the sale of the Tokens, so you are encouraged to print or download these Token Terms for your own records. "Affiliated Parties" refer to the Company's subsidiaries, parent companies, and related entities, including their past, present, and future directors, officers, employees, agents, Sellers, shareholders, contractors, advisors, members, the DAO, suppliers, vendors, licensors, predecessors, successors, and assigns.

(a) Purpose of the Tokens

INSO Tokens are utility tokens based on cryptographic technology. Their primary role is to enable participation in the InSoBlok ecosystem (the "Platform"). Once fully launched, this Web3 community and marketplace will democratize the fashion industry, allowing creators to showcase and promote their projects while users can support them by staking or donating INSO Tokens.

Users will also have the opportunity to create, showcase, market, sell, and distribute their favorite NFTs, utilize various Web3 tools, and engage with one another. INSO Tokens will be the exclusive means for users to access specific products and services on InSoBlok and other associated platforms once they are developed. They are not meant to be used as a public medium of exchange for goods or services, nor for settling debts.

Transactions involving services or products on InSoBlok will be valued in INSO Tokens, either paid to the Platform or the service provider. The introduction of these tokens aims to create a secure and efficient payment method for interactions within InSoBlok. Additionally, INSO Tokens may serve as incentives and rewards for users and participants.

The INSO Tokens can be utilized in the following ways on InSoBlok:

(i) to promote community engagement by staking and donating to vote for and support creative projects,
(ii) to purchase items such as ClosetChain unveil events, voting yay nay, instant purchase, NFTs, memorabilia, streaming rights, and download rights, and
(iii) to earn INSO Governance Rewards for staking and contributing to the Platform.

Additional services and offerings from InSoBlok will be announced upon finalization. The following features are planned for the Tokens:

(A) Token holders will have the ability to propose and vote on on-chain governance initiatives to shape future functionalities and parameters of the InSoBlok ecosystem. However, voting rights are limited to features related specifically to the Platform and do not grant token holders any influence over the Company's operations, management, or asset disposition, nor do they confer rights to select directors or determine development strategies. This arrangement does not represent any equity interest or collective investment scheme and is not intended as a joint venture or partnership.
(B) Holders will gain access to tools for creating, showcasing, marketing, selling, and transferring their NFTs.
(C) They may also be able to play or utilize exclusive in-game content, providing opportunities to earn Tokens or other NFTs.
(D) Furthermore, token holders may be eligible for rewards based on the success of the projects they support.
(E) Lastly, they may receive access to exclusive VIP communities, events, and opportunities.

Once the token sale phase concludes, INSO Tokens will be equipped with the functionalities mentioned above. As the development of InSoBlok progresses, various features of the INSO Tokens will be implemented gradually and made available over time.

The Tokens are a vital component of InSoBlok, as their absence would eliminate a unified means of exchange for goods, services, and incentives, thereby hindering the Platform's effectiveness in achieving its goals. Ownership of the Tokens grants no rights, either express or implied, in the Company or its Affiliates, aside from the ability to use the INSO Tokens to interact with and utilize InSoBlok. The INSO Tokens are offered as usable virtual goods and have no utility outside the InSoBlok ecosystem; thus, they are not guaranteed to be merchantable or hold any additional value.

The InSoBlok ecosystem operates as a "closed system" concerning Token usage. Additionally, the Tokens are not classified as consumer products, and to the fullest extent allowed by law, holders acknowledge and agree that they are not protected by consumer protection regulations in any jurisdiction.

(b) Character and Utilization of the Tokens

You acknowledge and agree that the Tokens:

(i) may only be used within InSoBlok and other services provided by the Company; they are non-refundable and cannot be converted into cash or any equivalent value by the Company or its Affiliates.
(ii) The Tokens do not grant you any ownership rights, shares, participation interests, debt obligations, royalties, or any other rights, titles, or interests regarding the Company, its Affiliates, or any other entity. This includes, but is not limited to, any rights to receive future revenue, dividends, shares, debt payments, royalties, ownership stakes, voting rights, or any proprietary interests (including intellectual property). You will not have the right to access financial statements, participate in shareholder meetings, nominate directors, or exercise any financial or legal rights, nor will you have any intellectual property rights or similar forms of participation related to the Company or its Affiliates or service providers.
(iii) The Tokens are not intended to function as currency or money (whether fiat, virtual, or any electronic form), nor as securities, commodities, bonds, debt instruments, collective investment units, or any other type of financial instrument or investment.
(iv) The Tokens do not represent any rights under contracts for differences or any other agreements aimed at securing profit or mitigating loss.
(v) The Tokens do not represent a loan to the Company or any Affiliate and are not intended to signify any debt owed by the Company or its Affiliates. There is no expectation of profit or interest income associated with them.
(vi) The Tokens do not grant you any ownership or interest in the Company or any Affiliates.
(vii) They are not classified as any type of financial derivative.
(viii) The Tokens are not considered commercial paper or negotiable instruments.
(ix) Token holders are not entitled to any promises of fees, dividends, revenue, profits, or investment returns, nor should there be any expectation of such.
(x) The Tokens do not represent notes, debentures, warrants, or any certificates that confer rights to interest, dividends, or returns from any Affiliate or individual.
(xi) They are not commodities or assets that anyone is obligated to redeem or purchase.
(xii) The Tokens are not intended for speculative investment.
(xiii) They are not meant to be classified as securities in the United States or any relevant jurisdiction.
(xiv) There are no mutual agreements or covenants formed between you and other Token holders regarding rights and obligations.
(xv) The Tokens are subject to the limitations and conditions outlined in these Terms, as well as any applicable policies that may be published periodically on InSoBlok.
(xvi) The Tokens lack any tangible or physical form and do not possess intrinsic value (nor do any Affiliates or other parties make representations or guarantees regarding their value).
(xvii) The Tokens do not represent the provision of any goods or services, except for those that the Company may offer at its discretion.

(c) Modification of Terms

Unless otherwise specified, your purchase of Tokens (whether through a digital exchange, centralized exchange, peer-to-peer transaction, or other means), as well as your ongoing holding and use of the Tokens, is governed exclusively by the terms outlined in these Token Terms. By agreeing to these terms, you accept them as a condition for accessing and using our Services and Offerings. The Company retains the right, at its sole discretion and without prior notice, to modify, update, delete, or add to any terms in these Token Terms, including those related to the purchase, usage, sale, and other transactions concerning the Tokens, as well as our Privacy Policy, Cookie Policy, and other related Policies. Any updated terms will take effect once posted on InSoBlok or any of our other Services and properties. In case of any conflict between the terms in these Token Terms and our Policies, or any newly published terms, the latest updates will prevail.

(d) Process for Purchasing Tokens and Digital Assets

The Company reserves the right to request your personal information, which may include but is not limited to:

(i) Your full legal name, date of birth, address, and contact details;
(ii) Information about the digital wallet from which you have made the payment to acquire Tokens and Digital Assets, including the wallet address used for the transaction and the destination wallet for the Tokens and Digital Assets.
(iii) Government-issued identification, such as a passport, driver's license, or ID card, may be required. We may also ask you to take a photo holding this identification to verify your identity.
(iv) Your taxpayer identification, as well as details regarding your income and/or net asset value.

It is your responsibility to ensure that the information you provide is accurate. Failure to submit this information when requested may hinder or delay the transfer of Tokens and Digital Assets to your digital wallet.

(e) Cancellation, Refunds, Refusal, and Replacement Policy

Your purchase, receipt, and use of Tokens and Digital Assets—whether from the Company, its Affiliates, peer-to-peer transactions, intermediaries, exchanges, or other sources (collectively referred to as "Sellers")—are final. Refunds or cancellations are not permitted, except as mandated by applicable law or regulation. You waive any rights to refunds for amounts paid to the Company, its Affiliates, or Sellers in exchange for Tokens and Digital Assets.

You understand and agree that the Company and/or its Affiliates are not obligated to replace Tokens or Digital Assets under any circumstances, including but not limited to situations where a private key is lost, stolen, malfunctioning, destroyed, or otherwise rendered inaccessible. You are fully responsible for providing the correct digital wallet address and ensuring the security and functionality of your digital wallet.

The Company, each Affiliate, and/or Sellers reserve the right to refuse or cancel any purchase requests for Tokens and Digital Assets at their sole discretion, with or without cause, and without obligation to provide reasons for such cancellations or refusals. This includes, but is not limited to:

(i) Failures to complete necessary know-your-customer, anti-money laundering, and/or counter-terrorism financing checks as required by the Company, its Affiliates, and/or Sellers.
(ii) A modification to the business or development strategy of the Company, its Affiliates, or Sellers; and/or
(iii) A negative shift in the regulatory landscape.

To clarify, the Company, its Affiliates, and/or the Seller are not obligated to inform you of the results of any customer identification, due diligence, or anti-money laundering checks, nor are they required to provide explanations for any unfavorable outcomes based on these evaluations. If the Company, its Affiliates, or the Seller declines or cancels any purchase request for Tokens and Digital Assets, the amount you paid may be either rejected or refunded according to their internal policies. This refund will be adjusted by (A) any amounts required to be confiscated by law, (B) fees and expenses related to the canceled transaction, including but not limited to blockchain network fees, (C) The Seller's administrative fees for processing the transfer (capped at 5% of the refund amount), and (D) any Tokens or Digital Assets that have already been delivered to you.

No interest, yield, value differences, or additional compensation will be accrued on any fund transfer, nor will there be any interest on refusals, cancellations, or refunds. At any point during the sale of Tokens or Digital Assets, the Company, its Affiliates, and/or the Seller may choose to temporarily halt or permanently terminate transactions (whether in the private or public sale phase) at their discretion, without the need to provide reasons. During any suspension period or if the transaction is aborted (in either the private or public sale phase), Tokens and Digital Assets will not be available for purchase.

(f) Acknowledgment and Acceptance of Risks

By engaging with InSoBlok's services and offerings, you recognize and accept the various risks involved in purchasing, holding, using, selling, and transferring Tokens and Digital Assets. This includes, but is not limited to, participation in platforms like InSoBlok and any associated parties. If you have questions or need further clarification regarding these risks, please send an email to info@InSoBlok.ai.

You confirm that you understand that blockchain technology and virtual currencies—such as Tokens (including but not limited to ETH, BTC, USDT, USDC), Digital Assets, and NFTs—are emerging and unverified technologies, which are not controlled by InSoBlok or its affiliates.

Additionally, you acknowledge that you assume full responsibility for any risks arising from your purchase, holding, or use of Tokens and Digital Assets, including, but not limited to, the following:

Changes in Functionality

The Tokens are defined solely by the specific attributes and functionalities outlined in these Terms, which may be subject to change.

Non-Refundable

InSoBlok and the Seller are not obligated to provide refunds to Token holders under any circumstances. Token holders acknowledge and accept that they will not receive refunds, including any money, tokens, Digital Assets, NFTs, or alternative forms of compensation. There are no assurances regarding the future performance or value of the Tokens; this includes no guarantee of inherent value, ongoing payments, or that the Tokens will maintain any specific value. As a result, recovering any funds spent may be impossible or subject to international laws or regulations.

Uncertain Regulatory Environment

The regulatory landscape surrounding Tokens and distributed ledger technology remains ambiguous and varies across jurisdictions. Regulatory authorities have expressed intentions to implement frameworks governing virtual currencies and their markets. It is unpredictable how, when, or if these agencies will enforce existing regulations or introduce new ones concerning such technologies and their applications, including those related to InSoBlok and our services. Regulatory actions could adversely affect the Tokens and/or InSoBlok in several ways. In response to regulatory changes or legal constraints, the Company, Seller, or any Affiliate may halt operations in jurisdictions where compliance becomes infeasible. InSoBlok may cease operations in specific jurisdictions if obtaining the necessary regulatory approvals becomes impractical or commercially unfavorable.

Blockchain Protocol Risks

As the Tokens, InSoBlok, and other InSoBlok services are built on blockchain technology, any issues such as malfunctions, disruptions, or abandonment of the underlying blockchain could significantly impact the Tokens and associated services. Additionally, advancements in cryptography or emerging technologies—like quantum computing—could introduce unforeseen risks that compromise the effectiveness of the cryptographic mechanisms that support the blockchain. The future landscape of cryptography and security innovations is inherently uncertain.

Security Responsibility

You are responsible for taking appropriate measures to secure your digital wallet, vault, or other storage solutions used to receive and hold the Tokens you have purchased or received. This includes safeguarding any necessary passwords, tokens, private keys, or other access credentials. If you lose these credentials, you risk losing access to your Tokens. InSoBlok, its affiliates, and Sellers cannot recover any such losses.

Additionally, there is a possibility that hackers or malicious entities may attempt to compromise the Tokens and/or InSoBlok's services through various methods, including malware attacks, denial-of-service attacks, consensus-based attacks, Sybil attacks, smurfing, and spoofing. Moreover, there is a risk that a user, third party, or an affiliate member could unintentionally or intentionally introduce vulnerabilities into the core infrastructure of the Tokens and/or InSoBlok's services, potentially impacting their performance and security.

Limited Information Availability

InSoBlok expects that its algorithms, code, consensus mechanisms, and various technical specifications will be frequently updated and modified. While the marketing materials and Whitepaper related to InSoBlok have been created based on the information available at the time of publication, including certain forecasts and assumptions, these documents are subject to continuous change. As such, they should not be considered comprehensive, and updates, edits, and modifications may occur over time.

The Seller is not obligated to provide you with detailed updates on the development of the Company's Services and Offerings, including progress and any rescheduled milestones. Consequently, you may not receive timely or complete access to all information regarding these Services and Offerings. You acknowledge that this limitation in information disclosure is a natural and reasonable aspect of the Company's operations.

Market Risk

The market for InSoBlok's Services, Offerings, and Tokens is still in its early stage and there is no assurance that a liquid or active market for the Tokens will develop. The Tokens are designed for use exclusively within the InSoBlok network and other future Services and Offerings, which may introduce liquidity risks for any Tokens you hold.

The Tokens are not recognized as currency by any central bank or governmental entity, nor are they backed by any physical assets or credit. They do not qualify as a "commodity" in the traditional sense. InSoBlok, the Seller, and affiliated parties do not assume responsibility for the liquidity, circulation, trading, exchange, or market conditions of the Tokens.

The value and demand for the Tokens rely on the consensus of market participants. There is no obligation for anyone to purchase Tokens from holders, and there are no guarantees regarding liquidity or market pricing at any time. Additionally, Tokens cannot be sold to individuals from Restricted Countries, or in cases where such transactions would breach applicable laws. Therefore, the Seller cannot guarantee demand or market presence for the Tokens, nor that the price you pay reflects any true market value.

Secondary Market and Trading

Any secondary market or exchange for trading Tokens will operate independently of InSoBlok, its affiliates, and the Seller. InSoBlok does not plan to establish any secondary markets or act as an exchange for Tokens. While third-party exchanges may facilitate secondary trading, these platforms could be relatively new and may lack adequate regulatory oversight, increasing the risk of fraud or market manipulation. Furthermore, if third parties assign an external value to the Tokens (e.g., in virtual or fiat currency), that value may be highly volatile, potentially dropping below your purchase price or even diminishing to zero.

Uninsured Loss

Tokens are not insured unless you obtain private insurance specifically for them. In the event of loss or loss of utility, there is no public or private insurance provided by InSoBlok to offer you recourse.

Tax Characterization

The tax treatment of Tokens is uncertain. InSoBlok and its affiliates plan to classify the Tokens as utility tokens intended for consumptive use, not as equity or debt interests for tax purposes. However, this classification may be subject to challenge, potentially resulting in different tax consequences for purchasers, InSoBlok, its affiliates, and the Seller than those described in our materials. It is advisable for you to seek independent tax advice regarding the Tokens.

The acquisition, retention, or use of Tokens may lead to unfavorable tax implications for you, such as withholding taxes, income taxes, and related tax reporting obligations.

XI. Competition

There's a possibility that other networks may emerge, utilizing similar code and protocols that underpin the Tokens and the Company's services. These alternative networks could seek to replicate the functionalities offered by the Company, leading to competition that might adversely affect the value of the Tokens and our services.

XII. Insufficient Interest

There's a risk that the Company's services may not attract a sufficient number of users, including individuals and businesses, or that public interest in developing distributed ecosystems (like InSoBlok) may be limited. This lack of engagement could hinder the growth of our services and diminish the potential utility and value of the Tokens.

XIII. Dissolution of the Company and Affiliates

Start-up companies often face unexpected challenges related to securing funding, attracting talent, developing products, marketing, and overall management. These issues can sometimes prove insurmountable. The financial, market, and operational risks inherent in start-ups are considerable, and the Company and its affiliates are not exempt from these risks. Factors such as unfavorable fluctuations in virtual or fiat currency values, a decline in the utility of the Tokens, breakdowns in business partnerships, or disputes over intellectual property could potentially lead to insolvency, cessation of operations, or dissolution of the Company, its affiliates, and sellers.

The Company aims to establish and empower a decentralized autonomous organization (DAO) to gradually oversee and govern the Services and Offerings of the InSoBlok platform, ensuring quality control and a seamless transition at the appropriate times.

The Company may reduce its direct involvement in the administration, management, and governance of the InSoBlok platform. The Tokens do not provide any governance rights regarding the Company, its affiliates, or sellers. However, they can be utilized to access the Company's services and offerings and to engage in the DAO. The intention is for the Tokens to be increasingly employed by the DAO for voting on governance, operations, and strategic direction related to InSoBlok and the Tokens themselves. Importantly, the Tokens do not grant holders any claims against the Company or its affiliates, including rights to equity, appreciation, first refusal, warrants, options, debt obligations, or any decisions typically reserved for the management or board of directors, such as discontinuation of services.

The Company or its affiliates may decide to alter their services, offerings, websites, or ecosystem, which could involve dissolving or selling assets, entering into contracts, assuming debt, settling claims, or facing judgments and other liabilities. They may also file for bankruptcy or make assignments for the benefit of creditors, as well as create additional Tokens for use within the InSoBlok ecosystem. Such decisions could negatively impact InSoBlok and the value of your Tokens. This clause is separate and does not affect any rights or responsibilities associated with the decentralized autonomous organization.

XIV. Loss of Talent

The ongoing development and enhancement of the Company's services and offerings rely heavily on the sustained collaboration of key personnel. The Company relies on its current technical team and expert consultants, who possess extensive knowledge and experience in their fields. The departure of any key member could negatively impact the Company's services and future development. Additionally, maintaining stability and unity within the team is essential for advancing the Company's offerings on InSoBlok. Conflicts within the team or the exit of key personnel could adversely affect the services, leading to diminished utility, value, and demand for the Tokens.

XV. Failure to Develop

There is a risk that our services and offerings may not be developed or implemented as intended due to various factors. These may include declines in the value of digital assets, virtual currencies, or Tokens, unexpected technical challenges, and a lack of funding for development activities.

XVI. Other Risks

Beyond the risks previously mentioned, there are additional risks linked to your purchase, holding, and use of the Tokens, as well as staking them. These include unforeseen events that the Seller may not predict, which could arise from force majeure. Such risks might also emerge as unexpected variations or combinations of the previously outlined risks.

3. Know Your Customer (KYC) and Anti-Money Laundering (AML) Regulations

You acknowledge and accept that the Company, its affiliates, and/or sellers may be obligated to take the following actions:

Perform customer identification, due diligence, and anti-money laundering checks on all Token purchasers in accordance with relevant laws and regulations. The Seller reserves the right to request specific information from you to fulfill these legal obligations. You agree to provide this information promptly upon request, acknowledging that the Seller may withhold the sale of Tokens until you supply the required information and it is deemed permissible to proceed with the sale under applicable laws or regulations.
Request information and documentation to ensure that your identification records and profile information are fully up to date. The Seller retains the right to periodically verify the accuracy and adequacy of your identification data. For clarity, the Seller is not obligated to inform you of the results of any customer identification, due diligence, or anti-money laundering checks, nor to provide reasons for any unsatisfactory outcomes.
Take necessary measures to obtain any missing information (either from you or third parties) to update and complete your profile as deemed necessary by the Company, its affiliates, and Sellers. If you fail to provide the required identification information within a reasonable timeframe, resulting in the Seller's inability to comply with applicable laws and regulations regarding customer identification, the Seller will be unable to sell Tokens or maintain its relationship with you. Additionally, the Seller may be required to report any suspicious transactions or activities to the relevant authorities.

4. Taxes

The amount you pay for Tokens and Digital Assets does not include any applicable taxes, such as value-added tax, sales tax, use tax, withholding tax, income tax, or similar taxes (collectively referred to as "Taxes"). You are solely responsible for determining the Taxes related to your purchase, holding, and use of Tokens, Digital Assets, and other items acquired through the Company's services and offerings. It is also your responsibility to fulfill all relevant tax reporting obligations associated with your transactions involving the Tokens. The Seller, the Company, and its affiliates are not liable for withholding, collecting, reporting, or remitting any Taxes incurred from your purchase, holding, or usage of the Tokens. The Seller does not offer tax advice, and it is recommended that you consult a qualified professional if needed. The tax implications of transactions involving Digital Assets and Tokens are uncertain, and it is your duty to assess any potential tax liabilities.

You are responsible for reporting and paying any applicable taxes related to transactions made through our Services and Offerings under these Token Terms. You acknowledge that we do not offer investment, legal, or tax advice regarding these transactions. You understand that, as required by law, we will report relevant information about transactions, payments, transfers, or distributions involving your activities using our Services and Offerings to tax or governmental authorities. Additionally, we may withhold taxes applicable to your transactions or payments to you, as mandated by law. Occasionally, we may request tax documentation or verification of your taxpayer status as required by applicable law. Failure to provide this information within the specified timeframe may lead to withholding and/or remittance of taxes to the appropriate tax authority. It is advisable to conduct your own due diligence and consult with your tax advisors before engaging in transactions involving Digital Assets and Tokens.

5. Appointing a Fiduciary

To ensure security, if we obtain reliable legal documentation indicating your passing or receive credible information suggesting that you may have died, we will temporarily freeze your Account. During this period, no transactions will be permitted until either (i) your appointed fiduciary creates a new Account, as outlined below, and all assets from your Account are transferred to this new Account, or (ii) we receive satisfactory evidence confirming that you are alive. We will determine who is entitled to inherit your account based on the documentation we consider necessary, which may include, but is not limited to, a will, living trust, or small estate affidavit. Alternatively, we may require a court order designating a fiduciary with jurisdiction over your estate. If we have any doubts regarding the validity of the fiduciary designation, we reserve the right to seek a court order to clarify this before taking any action on your account.

Additionally, if we hold funds (either fiat or digital assets) in your account and have not seen activity from you for several years, and are unable to reach you, applicable law may require us to transfer these funds to the relevant state or jurisdiction as unclaimed property.

6. Representations and Warranties

By purchasing, holding, or using Digital Assets and/or Tokens, including but not limited to those offered by the Company, its Affiliates, or Sellers, you represent and warrant the following:

(a) You have thoroughly read and understood these Terms. You possess the necessary authority to enter into these Terms, participate in the Token sale, and purchase, hold, and utilize the Tokens, fulfilling your obligations as specified herein.
(b) If you are an individual, you affirm that you are at least 18 years old, or of the appropriate legal age to purchase, hold, and use Digital Assets and Tokens. If you represent an incorporated entity or another legal entity, you confirm that you are properly organized, validly existing, and in good standing under the laws of your residence and any jurisdiction where you operate or hold assets. You are not acquiring, holding, or using Tokens or Digital Assets on behalf of any other individual or entity.
(c) Your execution, delivery, and adherence to these Token Terms will not lead to any violation, conflict, or default regarding: (i) any aspect of your constitutional documents (if applicable), (ii) any judgment, decree, or order, or any agreement or obligation to which you are a party or bound, or which pertains to any of your significant assets, (iii) any applicable laws, regulations, or rules, (iv) any foreign exchange or regulatory limitations concerning the purchase, holding, or use of the Tokens, (v) any necessary governmental or other approvals, (vi) the rights of third parties, or (vii) any contractual rights or obligations.
(d) The execution, delivery, and fulfillment of these Token Terms do not require approval or action from any governmental authority or individual. You agree to ensure, at your own expense, compliance with all applicable laws, regulations, and restrictions relevant to you.
(e) Your acquisition of Tokens and Digital Assets will be conducted in full accordance with any applicable tax, regulatory, and legal obligations in your relevant jurisdictions.
(f) You possess a solid understanding of business and financial concepts, including a thorough comprehension of the functionality, usage, storage, and transmission of blockchain technology, blockchain-like systems, and related technologies.
(g) You have gathered sufficient information regarding Tokens and Digital Assets, allowing you to make an informed decision about purchasing, holding, selling, and using them.
(h) The currency you use to purchase Tokens and Digital Assets is obtained through legal means and is not associated with any illegal activities, such as money laundering or terrorist financing.
(i) Neither you, nor any of your subsidiaries, directors, officers, employees, agents, or affiliates, nor any individual with a direct or indirect beneficial interest in you or being acquired by you, is subject to any sanctions imposed or enforced by any government, country, or international authority.
(j) Neither you, nor any of your subsidiaries, directors, officers, employees, agents, or affiliates is a citizen or resident of, or located in, any area or country classified as "High-risk and other monitored jurisdictions" by the Financial Action Task Force, or is a Politically Exposed Person.
(k) You are not a citizen, national, resident, domiciliary, or green card holder of any Restricted Country.
(l) You acknowledge and agree that you are aware of all relevant regulations in your jurisdiction, and that acquiring Tokens and Digital Assets is not prohibited, restricted, or subject to additional conditions in that jurisdiction.
(m) The currency you use to purchase Tokens and Digital Assets will be made solely in your name, from a digital wallet that is not based in a Restricted Country.
(n) You are acquiring, holding, and/or using the Tokens to engage with InSoBlok and other services provided by the Company. You are not purchasing, holding, or using the Tokens for any other purposes, including investment or speculative financial activities.
(o) You understand that the Tokens lack intrinsic value and are not intended as an investment with profit expectations.
(p) You acknowledge and agree that the Seller may set eligibility requirements for accessing certain features related to Tokens and Digital Assets.
(q) You agree not to sell, transfer, or attempt to sell or transfer any Tokens and Digital Assets if they are subject to transfer restrictions.
(r) You acknowledge that any currency or other consideration paid for purchasing Tokens and Digital Assets will be owned and retained by us after the sale.
(s) You agree to provide the Company, its Affiliates, and/or Sellers with any information deemed necessary to ensure compliance with applicable laws.
(t) You acknowledge that the Company, its Affiliates, and/or Sellers may need to modify the functionality of Tokens and Digital Assets at any time to ensure compliance with legal or regulatory requirements.
(u) You acknowledge that the Company, its Affiliates, and/or Sellers have entered into these Token Terms based on your representations and warranties being true, accurate, complete, and not misleading.

7. Disclaimers and Release

(a) You acknowledge and accept full responsibility for your use of the Services and Offerings and any associated risks. You agree to release and hold harmless the Company, along with its affiliates and sellers, from any and all claims, actions, proceedings, obligations, liabilities, awards, settlements, or judgments. You understand that any information you transmit or receive while using the Services and Offerings may not be secure and could potentially be intercepted or accessed by unauthorized individuals. Your use of the Services and Offerings is at your own risk. You acknowledge and agree that the Services and Offerings are provided on an 'as is' and 'as available' basis, without any warranties, whether express or implied.

With this understanding, you agree that, to the fullest extent allowed by applicable law, the Company and its Affiliates shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or other damages, including but not limited to loss of profits, goodwill, use, data, or any other tangible or intangible losses.

(b) The Company explicitly disclaims all warranties, whether express or implied, including, but not limited to, warranties of merchantability, fitness for a specific purpose, title, or non-infringement. Specifically, the Company does not guarantee that: (i) your access to or use of the Services or Offerings will fulfill your needs, (ii) your access to or use of the Services or Offerings will be uninterrupted, timely, secure, or error-free, (iii) any usage data provided will be accurate, (iv) the Services or Offerings are free from viruses or harmful components, or (v) any data you share while using the Services or Offerings will be secure.

(c) You fully acknowledge and agree that your engagement in any offers, purchases, holdings, use, sales, or transfers of Tokens and Digital Assets is solely at your own risk and discretion. These transactions are conducted on an "AS IS" and "AS AVAILABLE" basis, without any representations, warranties, or guarantees from the Company, its Affiliated Parties, or Sellers.

(d) Any changes in applicable laws and regulations in the jurisdictions where we operate will be considered a force majeure, and the Seller will not be liable for any consequences resulting from such legal changes.

(e) The Company, along with its Affiliated Parties and Sellers, does not make and explicitly disclaims any and all representations and warranties, whether express, implied, or statutory, regarding the Services, Offerings, and transactions involving Tokens and Digital Assets.

(f) Our Services and Offerings, including transactions involving Tokens and Digital Assets, are not structured or marketed as securities or any type of investment product. Therefore, there are no representations or warranties regarding value, returns, or profits from any transactions involving our Services or Offerings. The information provided in our materials, content, and media is not intended to serve as the basis for any investment decisions, and no specific investment recommendations are made.

(g) To clarify, nothing in these Token Terms reduces your legal obligation to minimize any losses related to any claims you may have. You will not be eligible to recover damages for any claim if you have not taken steps to mitigate your damages or if you have already received compensation for the same issue or subject matter.

(h) You and your affiliates, including officers, directors, employees, accountants, legal advisors, consultants, and agents, agree to maintain the confidentiality of all documents, information, and communications related to the offer, purchase, use, transfer, and/or sale of any Tokens and/or Digital Assets provided to you or your affiliates. This obligation encompasses all matters connected to these Token Terms, as well as any negotiations that occur before or after the contract, including commercial details such as sale prices, quantities of tokens sold, any applicable discounts, and delivery schedules.