Terms of Service

Last Updated: Nov 7th, 2024

Introduction

The Client agrees to abide by the following terms and conditions governing all services provided by the Company, at its discretion, to the Client. Please also refer to the "Privacy Policy" posted on the Website and the Nemo platform for detailed information.


PART A.           GENERAL TERMS

1. General Terms & Conditions

1.1 Definitions and Interpretation

In these Terms the following words and expressions shall have the following meanings: -

Account” means any Client account opened with, and maintained by, the Company in the Client’s name in connection with any related services offered by the Company;

Affiliate” means, in relation to a Person, any other Person that, directly or indirectly, is Controlling, Controlled by or under common Control with such Person;

Agreement” means the written agreement between the Client and the Company regarding the opening, maintenance and operation of the Account as amended from time to time, including but not limited to these Terms, the Rules, any document setting out the fees, costs, charges and expenses that may apply to any service provided by the Nemo platform, any Instruction and/or any Transaction, and any other rules, notifications, guidelines, terms or agreements designated by the Company to form part of the Agreement;

Airdrop” means the attempted distribution or distribution by a Virtual Asset network of any Virtual Assets to Virtual Asset addresses of a supported network;

AML/CFT Requirements” means the Anti-Money Laundering or Counter-Financing of Terrorism requirements regulated by applicable laws;

Authorized Person(s)” means individuals who have been nominated or duly authorized by the Client according to necessary corporate or other actions (supported by appropriate documentation provided to and deemed acceptable by the Company), to act on behalf of the Client in relation to these Terms.;

Client” or “you” means a user who has a valid Third-Party Account, including without limitation a Wallet, through which the user has connected to our services;

Company” or “Nemo” means BITO PTE LTD, a limited liability company incorporated in Singapore with company registration number 202235877N;

Connected Content” means any Content or personal financial data that the Client have provided to and stored in the Client’s Wallet;

Content” means any information, data, text, software, music, sound, photographs, graphics, video, messages, tags and/or other materials; 

"Control" means

i)               the power (whether directly or indirectly and whether by the ownership of share capital, the possession of voting power, contract or otherwise) to appoint and/or remove all or such number of the members of the board of directors or other governing body of an entity or partnership as are able to cast a majority of the votes capable of being cast by the members of that board or body on all, or substantially all, matters, or otherwise to control or have the power to control the policies and affairs of that person;

ii)              and the holding and/or the possession of the beneficial interest in and/or the ability to exercise the voting rights applicable to shares or other securities in any person which confer in aggregate on the holders thereof more than 50% of the total voting rights exercisable at general meetings of that person on all, or substantially all, matters and, “Controls” and “Controlled” shall be construed accordingly;

“Ecosystem Partner” means certain supported DeFi applications and projects;

“Eligible Virtual Asset” means a Virtual Asset that:

i)               has not been associated with a wallet address that is or has been blacklisted or otherwise identified by a Government Agency or relevant authority as being related to a breach or potential breach of the AML/CFT Requirements or FATF Guidelines;

ii)              is not otherwise associated with suspicious or illicit activities, including the dark web or ransomware cases;

iii)            has no restrictions on its transfer, withdrawal or deposit (e.g. including restrictions due to “time lock” features); or

iv)            is otherwise deemed by the Company to be an Eligible Virtual Asset,

in each case, as determined by the Company in its sole discretion, having regard to applicable laws, the Company’s internal policies and any other relevant considerations.

FATF Guidelines” means any official guidance published by the Financial Action Task Force as applicable to Virtual Assets and/or Virtual Asset Service Providers, including without limitation the Updated Guidance for a Risk-Based Approach to Virtual Assets and Virtual Asset Service Providers published by the Financial Action Task Force in October 2021;

Fiat” means money is a government-issued currency that is not backed by a physical commodity but rather by the government that issued it;

Forbidden Person” means a person who appears to the Company to: (i) be in breach of any AML/CFT Requirements of any jurisdiction; (ii) appear in a list of persons with whom dealings are forbidden by the United Nations or another Government Agency or a regulatory authority under applicable laws; or (iii) act on behalf, or for the benefit of, any person described in paragraph (i) or (ii);

Fork” means any change in the operating rules of the respective protocols of a Virtual Asset that may result in:

i)               more than one version of that Virtual Asset; and/or

ii)              the Company holding an amount (which may be an identical amount) of Virtual Assets associated with each forked network, in each case as determined by the Company;

Government Agency” means any governmental, semi-governmental, administrative, fiscal, judicial or quasi-judicial body, department, commission, authority, tribunal, agency or entity;

Infrastructure Participant” means any trading venue or other financial market infrastructure that facilitate trading, clearing, settlement, and recording of transactions relating to Fiat and Virtual Assets;

Instruction” means any communication which the Company deems as having been given by the Client or an Authorized Person in relation to a Transaction;

KYC” means Know Your Client;

Loss” means any and all claims, demands, proceedings, losses, damages, liabilities, deficiencies, costs, charges and expenses, including without limitation all legal and other professional fees and disbursements, interest, penalties and amounts paid in settlement whether by a third person or otherwise;

Nemo Parties” means the Company, its parents, subsidiaries, affiliates, officers, employees, agents, partners, suppliers, and licensors;

Network Event” in relation to a Virtual Asset means any event, excluding Airdrops or Forks, that occurs on the blockchain or smart contract underlying the Virtual Asset. This event is beyond the control of the Company and can result in either the loss of control or ownership of a certain amount of the Virtual Asset by the Company or a third party, or the alteration, reversal, or invalidation of Transaction records on the blockchain. Such alteration, reversal or invalidation can occur due to fraudulent acts or consensus, including but not limited to double spending attacks, 51-percent attacks, or blockchain reorganizations. In each of these instances, the Company has the sole discretion to determine whether a Network Event has occurred;

Network Participant” means a person or entity who has the ability to cause the occurrence of a Network Event, including any group of persons or entities acting in concert;

Person” means any corporation, partnership, joint venture, enterprise, association, joint-stock company, limited liability company, unincorporated organization, government or government organization or other entity and any individual;

Prohibited Address” means any blockchain address that appears in a list of addresses with which dealings are prohibited by the United Nations or another Government Agency or relevant authority under applicable laws, or is part of a group of addresses that appears in such a list; and without limiting the generality of this definition, an address stated on the United States of America Department of Treasury’s Specially Designated Nationals list;

Rules” means all of the trading and operational rules and policies of the Company, as well as conditions, rules, criteria along with any procedures and requirements relating to the Nemo platform, as amended from time to time;

Tax” or “tax” means taxes, levies, imposts, charges and duties imposed by any authority (including stamp and transaction duties) together with any related interest, penalties, fines and expenses in connection with them, except if imposed on, or calculated having regard to, the overall net income of the Company;

Terms” means these Terms of Service as may be amended from time to time;

Third-Party Account means a valid account on a third-party service provider or social networking service supported by our services, or a valid third-party Wallet compatible with our services;

Third-Party Services” means and third-party websites, applications, and advertisements for third parties accessible or otherwise connected to our services but not provided by the Company;

Transactions” means any transactions concerning the purchase, subscription, sale, exchange or other disposal and/or dealings in any and all kinds of Virtual Assets and other transactions effected under or pursuant to these Terms and any other Agreement;

Virtual Asset(s)” mean digital representations of value which may be in the form of digital tokens (such as digital currencies, utility tokens or security or asset-backed tokens), any other virtual commodities, crypto assets or other assets of essentially the same nature for use in connection with the Transactions and any services provided by the Company to the Client, irrespective of whether they amount to “securities” or “futures contracts” as defined in the applicable laws;

Virtual Asset Service Providers” means a natural or legal person that (i) meets the definition given to such term under the FATF Guidelines; (ii) complies with the FATF Guidelines; and (iii) has a digital address that has been approved by the Company;

"Wallet" means a software-based system for secure storage of cryptocurrency, crypto assets, Virtual Assets, and payment information related thereto;

We” means the Company and/or the Nemo platform; and

Website” means https://www.nemo.ceo, where the Nemo platform is operated and maintained by the Company.

Unless explicitly mentioned otherwise, in case of any conflict or inconsistency among the documents or agreements forming part of the Agreement, the following order of precedence shall be applied, but only to the extent necessary to resolve such conflict or inconsistency:

i)               terms and conditions applied to any specific products or services provided by us;

ii)              these Terms; and

iii)            any other document that comprises the Agreement.

2.         Authorization

2.1       The Client grants authorization to the Company to act as an agent for the opening and operation of an account, based on the Instructions received from the Client and/or the Authorized Person(s) in accordance with these Terms.

2.2       The Client grants full authority to the Authorized Persons (where applicable) to act as representatives on behalf of the Client in all matters pertaining to all Transactions. Any documents, Instructions, or orders provided or signed by the Authorized Persons shall be considered binding and conclusive upon the Client.

3.         Ownership & Maintenance

3.1       The Client shall explicitly acknowledge and agree that:

i)             to facilitate the provision of services related to the Transactions described herein, the Company reserves the right, at its discretion and from time to time, to engage the services of third-party service providers. These providers may include exchanges, brokers, banks, and custodians;

ii)            if appropriate third-party service providers are not available on commercially reasonable terms, the Company may be unable to offer the services associated with the Transactions as described in this Agreement; and

iii)          the Company shall not assume any responsibility for the acts, omissions, unavailability, or any Losses incurred in relation to the utilization of such third-party service providers, provided that the Company shall exercise reasonable care in the selection of these providers.

3.2       The Client acknowledges and consents to the Company's potential obligation to disclose the Client's information to Government Agencies, law enforcement authorities, or any other parties as required by court orders or statutory provisions. The Company will fulfill such requests without the need for prior notice or consent from the Client.

3.3       The Client bears full and exclusive responsibility for ensuring the security of their Wallet and Account. By confirming this responsibility, the Client agrees not to disclose their Account details to others or permit unauthorized access or usage, unless expressly authorized by the Company in writing. The Client assumes sole and complete liability for any activity occurring within their Wallet and Account, whether authorized or not, including any purchases made using their Wallet or Account. The Client acknowledges their sole responsibility for any Losses arising from any authorized or unauthorized utilization of their Wallet or Account.

3.4       The Client confirms and undertakes to ensure that all information provided during and after the account opening process (which may require periodic updates from the Client) is and will remain complete, true, and accurate. Any changes to this information will be promptly communicated to the Company by the Client. The Company is granted authorization to carry out investigations for the purpose of verifying the provided information.

3.5       Unless otherwise stated in the Agreement with respect to custodian service, the Client expressly acknowledges and agrees that the relationship between the Company and the Client, the activities defined in the Agreement, or any other matter, do not create any fiduciary or equitable obligations on the part of the Company towards the Client. The Company is not a broker, financial institution or intermediary and is in no way the Client’s agent, advisor, or custodian. The Company cannot initiate a transfer of any of the Client’s cryptocurrency or Virtual Assets or otherwise access the Client’s Virtual Assets. The Company has no fiduciary relationship or obligation to the Client regarding any decisions or activities that the Client effect in connection with the Client’s use of the services.  Unless explicitly provided in writing, we do not host or maintain Ecosystem Partners accessible on our services, do not participate in any transactions on such Ecosystem Partners' platforms, and do not recommend, endorse, or otherwise take a position on the Client’s use of these services. Specifically, there are no obligations that would require the Company to assume responsibilities beyond those outlined in the Agreement, nor are there any obligations that would hinder or impede the Company from carrying out any of the activities specified in the Agreement.

3.6       The Company retains the right and privilege to retain the Client's information, including any information and document that uniquely identifies the Client. This retention of information is subject to the Company's Privacy Policy.

3.7       In cases where the Client is an individual or personal information is involved, the Client agrees to adhere to the Company's Privacy Policy. The Privacy Policy, which may be amended periodically, is accessible here. By agreeing to this policy, the Client consents to the utilization of their personal data in accordance with the specified terms outlined in the aforementioned policy.

3.9       The Client acknowledges that the Company reserves the right to request additional information from the Client for the purpose of KYC verification or meeting AML/CFT Requirements. In such cases, the Client is obligated to promptly provide the requested information to the Company. Failure to do so may result in the suspension of activities related to the Client's Account without prior notice, or may result in the Client being unable to open or access the Account. The Company retains sole discretion in determining whether to terminate the Client's Account.

3.12     Our services allow the Client to engage in the acquisition or disposal of Virtual Assets using their Account. The Company is not capable of performing transactions or sending transaction messages on the Client’s behalf. All transactions initiated through our services are initiated by the Client. Without limiting any provision of the Agreement, trades and transactions of Virtual Assets using such services are subject to:

i)             any directions, decisions, requirements, policy, procedures or any other rules issued by us in connection with the services provided by us; and

ii)            the applicable laws.

3.13     Regardless of any conflicting provision in the Agreement, the Company is under no obligation to perform or refrain from any action if, in its reasonable judgment, doing so would result in a violation of any AML/CFT Requirements.

3.14     Since Virtual Assets exist only by virtue of the ownership record maintained on its supporting blockchain, the Company does not store, send, or receive Virtual Assets. Any transfer of Virtual Assets occurs within the supporting blockchain and not in our services. The transaction details the Client submit via our services may not be completed, or may be substantially delayed, as a result of activity or lack thereof on the blockchain used to process the transaction. Once transaction details have been submitted through the Client’s Wallet, the Company cannot assist the Client to cancel or otherwise modify the Client’s transaction or transaction details. The Company makes no warranties or guarantees that a transfer initiated on the services will successfully transfer title or right in any Virtual Asset.

3.15     The Company has the right to terminate these Terms immediately in the event of one or more of the following occurrences:

i)               the occurrence of any of the Events of Default; or

ii)              where the Client no longer maintains an Account with the Company.

3.16     Termination of these Terms will not affect any Instructions already executed for the Client, nor will it undermine or affect any rights, powers, duties, and obligations of either party that have accrued before the termination.

3.17     Termination of these Terms under this Clause does not invalidate or affect any other provisions of these Terms and will not affect:

i)               any Transactions entered into pursuant to these Terms before the termination;

ii)              any accrued rights or liabilities of any of the parties which may already have arisen pursuant to these Terms;

iii)            any warranties, representations, undertakings and indemnities given by the Client pursuant to these Terms; and

iv)            any rights of the Company over the Client's property that is in the possession or control of the Company, whether in accordance with these Terms or otherwise, as long as there are any outstanding liabilities of the Client to the Company.

3.18    Upon termination of these Terms under this Clause, any outstanding amounts owed by the Client to the Company under these Terms will become immediately due and payable.

4.         Trading Rules

4.1       Client’s Instructions

i)               All Instructions must be provided by the Client to the Company using the designated means, including the Nemo platform or any other method specified by the Company. The Company may assume the authenticity of any Instructions given by the Client or any Authorized Person, or any person claiming to be the Client's authorized representative, without the obligation to inquire into such matters. The Company is authorized to act upon any Instruction it believes to be genuine and valid. It may rely on the Instructions conclusively, even if there are subsequent communications from the Client that differ from the original Instructions. The Client is responsible for ensuring the accuracy and completeness of the Instructions. Once an Instruction is given and acted upon by the Company, it becomes binding on the Client and cannot be revoked;

ii)              the Company is authorized to accept and act upon Instructions for any purpose related to these Terms, as per the Instructions received from the Client and/or Authorized Person(s). The Client agrees not to attempt to transfer any Virtual Assets or Fiat, or issue Instructions for such transfers, unless they are the lawful owner of the Virtual Assets or Fiat or possess the absolute right to sell, assign, convey, transfer, and deliver them. The transfers must comply with AML/CFT Requirements and FATF Guidelines, be lawful, and free from any encumbrance.;

iii)            the Company reserves the right to refuse the Client's application to use the Nemo platform at its sole discretion and without providing any reason. However, if the Company accepts the Client's application, the Client may provide Instructions through electronic means as prescribed by the Company. The Company is authorized to accept and act upon Instructions given through the Client's Account in accordance with these Terms. The Company will use reasonable efforts to execute the Instructions; however, it does not guarantee that the Instructions will be fully or partially executed or that they will be executed within a specific timeframe; and

iv)            the Company shall not be held responsible for any Losses incurred as a result of a delay in the execution of a Transaction, except in cases where the delay is caused by the Company's fraud, gross negligence, or willful misconduct.

4.2       Prefunded Account Balance

Unless otherwise specified, the Client must ensure that there are sufficient and clear funds of the relevant asset type recorded in their Account to fulfill the obligations of each Transaction, including any applicable fees and expenses. If the Company determines that the funds in the Client's Account are insufficient, the Client must provide the Company with the required funds, fully paid with valid and good title, and in deliverable form within the timeframe specified by the Company for the Transaction. The Client will be held liable for any Losses incurred by the Company as a result of their failure to settle the Transaction.

4.3       Virtual Assets Prices

If the Client has received price quotes for any Virtual Assets from the Company, the Client is prohibited from:

i)               sharing or disseminating the quotes, or any part thereof, to any other person;

ii)              using, or allowing others to use, the quotes, or any part thereof, for any illegal purposes;

iii)            using the quotes, or any part thereof, for purposes other than the Client's own use; or

iv)            using the quotes, or any part thereof, in relation to trading or dealing of Virtual Assets, except through the Nemo platform.

4.4       Controls on Transactions Limits

The Client should be aware that the Company may impose limits and controls on the Client regarding trading, positions, and transfers of Fiat and/or Virtual Assets. These limits and controls are implemented to mitigate and manage the Client's own liquidity, operational, and other risks. The Company reserves the right to impose such limits and controls at any time, without prior notice, and without providing reasons. The Client explicitly acknowledges and agrees to the following:

i)               The Client will comply with any limits and controls imposed by the Company and will refrain from taking any action that would cause a violation of these limits and controls;

ii)              The Client may be restricted from entering into a Transaction or taking certain steps if doing so would exceed the aforementioned limits. The Company reserves the right to apply filters to reject any client Instructions at its sole discretion;

iii)            Any limits and controls imposed by the Company are solely for its own protection. The Company will not be responsible for monitoring or ensuring the Client's compliance with any limits imposed by applicable laws or other parties;

iv)            The Company has the right to decline to act on Client’s Instructions, execute any Transaction, suspend the Client's Account access, require the Client to take specific actions, or take any other appropriate action to comply with applicable laws or the limits and controls outlined herein; and

v)              If the Client breaches any limits or controls imposed by the Company, provided that the Client has been notified of such limits at the time of imposition, the Client agrees to indemnify the Company against any Losses resulting from such breach.

4.5           Order Cancellation

In order to be successfully completed, any transaction involving Virtual Assets initiated by or sent to the Client’s Wallet must be confirmed by and recorded on the blockchain supporting such Virtual Asset. The Company has no control over any blockchain and therefore cannot and does not ensure that any transaction details that the Client submit or receive via our Services will be validated by or confirmed on the relevant blockchain and does not have the ability to facilitate any cancellation or modification requests. If the relevant Instruction has already been executed by the Company and the Transaction has been published to the public blockchain, the Cancellation Instruction may not be implemented. The Client accepts and acknowledges that they take full responsibility for all activities that they effect through their Wallet or Account and accept all risks, liabilities, and Losses, including Losses as a result of their Cancellation Instructions or the Company's failure to execute them, to the maximum extent permitted by the applicable laws.

4.6           Nature of High Volatility

The Client understands and accepts that, given the nature of Virtual Assets, it may not always be feasible to execute orders at the prices quoted as "at best" or "market". Notwithstanding the aforementioned, the Client agrees to be bound by Transactions according to the Instructions provided by the Client and/or Authorized Person(s).

4.7           Recordings

The Client acknowledges that emails and any other forms of communication exchanged between the Client and the Company may be recorded or electronically monitored without prior notice. These records may be used as final and conclusive evidence of the Instructions in the event of any disputes.

4.8       The Company's obligations to the Client are solely related to the provision of the services on the Nemo platform. The Company is not obligated to assist the Client in securing any rights, interests, benefits, payments, or options associated with holding the Virtual Assets. It is the Client's responsibility to examine the underlying project of the Virtual Assets and conduct due diligence on the issuer of the Virtual Assets. The Client agrees that the Company is not liable for any Losses incurred by the Client due to the Client's failure to obtain any rights, interests, benefits, payments, or options from the issuer of the Virtual Assets.

4.9       In case any Virtual Assets are deposited with the Company, if the Company incurs any loss or expense due to the Instructions provided by the Client, the corresponding Account(s) may be debited. Alternatively, the Client may be required to make a payment as agreed upon. The amount debited or payable by the Client will be proportional to the portion of the Virtual Assets held on behalf of the Client in relation to the total number or amount of the Virtual Assets in the Nemo platform.4.9    The Client acknowledges that the Virtual Assets held in the Client’s Wallet are entirely at the Client's risk. To the maximum extent permitted by the applicable laws, the Company is not responsible for and shall not be held liable for any Loss suffered by the Client in connection herewith.

4.10     Return of Virtual Assets

The Company, at its discretion and in accordance with applicable laws, FATF Guidelines, or the Company's internal policies, may choose to return any Virtual Assets recorded in the Client’s Account to a designated external address that can hold the relevant Virtual Assets and is under the Client’s control, as last notified by the Client to the Company, if the return to such Account or address complies with applicable laws, FATF Guidelines and any of the Company internal policies. Under applicable laws, the Company retains the right to deduct any fees related to the return of Virtual Assets, as long as it is permissible to do so.

We reserve the right to refuse, in good faith and in a commercially reasonable manner, the acceptance or delivery of Fiat and/or Virtual Assets from or to the Client. We may also determine the terms under which we accept or make such transactions. If allowed by applicable law, we will provide notice of any refusal as soon as reasonably possible. Specifically, we may decline to accept any delivery of Virtual Assets that do not meet the criteria of Eligible Virtual Assets. The Client cannot use such Virtual Assets to settle any Transaction with us.

4.11     Events of Default

The following events shall be Events of Default (each an “Event of Default”) for the purposes of these Terms:

i)               the Client fails to duly and punctually observe or perform any of the undertakings, duties and obligations in these Terms or otherwise any provision of the Agreement;

ii)              any failure by the Client to pay sums of whatever nature when due under the Agreement;

iii)            the Client’s insolvency or liquidation, the filing of a petition in winding up or the commencement of any analogous proceedings against the Client;

iv)            the levying of any attachment against the Client’s Wallet, the Client’s Account or the Client’s other property;

v)             without the prior written consent of the Company, a debit balance on any Account of the Client;

vi)            any representation, warranty or undertaking made by the Client to the Company in the Agreement being incorrect or misleading;

vii)           any dispute or proceedings against the Client or (if a body corporate) its directors or shareholders in connection with the Company; or

viii)         any other matter or event including any regulatory requirement which in the Company’s opinion renders termination of all or any part of the Agreement necessary or advisable in the Company’s interests.

4.12     The Client acknowledges and agrees to promptly notify the Company in the event of an occurrence of an Event of Default.

4.13     Consequences of any Event of Default

Upon the occurrence of an Event of Default, the Company reserves the absolute discretion, without the need for notice or demand, and without prejudice to any other rights or remedies available to the Company, to immediately:

i)               suspend, freeze or terminate any Account;

ii)              terminate all or any part of the Agreement;

iii)            cancel any or all outstanding orders, Instructions or any other commitments made on behalf of the Client;

iv)            suspend the performance of any of its obligations to the Client. This includes the suspension of Virtual Asset deposits, payment of any outstanding sums of money, and the cancellation of any outstanding orders or contracts. The suspension will remain in effect until such time as the Client has fulfilled all of their obligations to the Company, or the Event of Default has been resolved to the satisfaction of the Company;

v)             subject to applicable laws, sell or realize all or any part of the Virtual Assets or property held by the Company for the Account (if any) in such manner and upon such terms as the Company may conclusively decide to satisfy the Client’s obligations and indebtedness towards the Company or any of the Company’s nominees or Affiliates out of the net sale proceeds (with fees, expenses and costs deducted) thereof; and

vi)            exercise any of the Company’s rights under these Terms.

4.14     In the event of any sale activities:

i)               the Company shall not be responsible for any Loss occasioned thereby howsoever arising if the Company sells or disposes of the Virtual Assets or any part thereof at the then available market price;

ii)              to the extent permitted by applicable laws, the Company shall be entitled to keep for itself or sell or dispose of the Virtual Assets or any part thereof at the available market price to any person at its discretion without being in any way responsible for Loss occasioned thereby howsoever arising and without being accountable for any profit made by the Company; and

iii)            the Client agrees to pay to the Company any shortfall if the net proceeds of sale shall be insufficient to cover all the outstanding balances owing by the Client to the Company or any of the Company’s nominees or Affiliates.

5.         Fees

5.1       The Client agrees to pay all applicable fees, costs, charges, expenses, and commissions as determined by the Company. This includes costs related to the networks or blockchains underlying a Virtual Asset and may involve engaging third-party service providers (such as legal advisers, trustees, or any agent, delegate, nominee or custodian appointed by the Company). The Client is responsible for covering these expenses on a full indemnity basis. Furthermore, the Company is authorized to solicit, accept, and retain any rebate, brokerage, commission, fee, benefit, discount, or other advantages from any person arising from any Transaction. The Company is not obligated to disclose such arrangements to the Client and may retain these benefits for its own benefit.

5.2       The Client acknowledges that any amounts owed by the Client to the Company may be subject to interest charges. The specific interest rate(s) will be notified by the Company from time to time. The interest will accrue on a daily basis and will be payable either on the last day of each calendar month or upon demand by the Company.

5.3       The Client acknowledges and agrees that the Company has the right to change the applicable fee rates at its discretion. It is the responsibility of the Client to refer to the relevant page on the Company's Website for up-to-date information on fees and charges.

6.         Virtual Assets Safeguarded in Custodian

6.1       The Client acknowledges and agrees that the Company may hold all Virtual Assets deposited by the Client. The Company has the right to place any or all of the Virtual Assets with any third-party service provider as a custodian, subject to the terms and conditions agreed upon by the Company. Additionally, the Client understands that the Company may commingle the Virtual Assets held on behalf of the Client (if any) with other Virtual Assets held by the Company or a third-party service provider custodian for other clients. Subject to any applicable laws, any Virtual Assets held by the Company on behalf of the Client (if any) may:

i)               (in the case of registrable securities or futures contracts) be registered in the Client’s name or in the name of a nominee appointed by the Company;

ii)             be deposited in safe custody in a designated account with a third-party service provider custodian; or

iii)            where Virtual Assets are held by the Company or a third-party service provider custodian on the Client’s behalf:

a)              the Company or any Associated Entity, without assuming any obligation or liability whatsoever, may exercise any rights or take any actions that are exercisable in relation to the Virtual Assets held for the Account. This can be done if the Client has provided the necessary Instructions and executed any required authorizations to the Company or the third-party service provider custodian;

b)             the Company will not have any obligation to investigate, participate in, or take affirmative action regarding attendance at meetings, voting, or other rights associated with or derived from the Virtual Assets;

c)              the Company will not have any duty or responsibility to receive any proxy, circular, or other document related to the Virtual Assets, nor will it be obliged to send any proxy, circular, or other document or provide notice of receiving such documents to the Client;

d)             in the event that the Company does not receive any Instructions from the Client within a reasonable time, as determined by the Company, the Company reserves the right to take or refrain from taking any action it deems appropriate;

e)             the Client acknowledges and agrees that they will be held liable for any unpaid calls or any other sums, costs, or expenses associated with the Virtual Assets held by the Company on behalf of the Client. The Company will not be responsible for any such liabilities arising in connection with the Client's Virtual Assets;

f)               to the extent allowed by applicable laws, the Company shall not be held liable for the acts, omissions, or insolvency of any custodian chosen by the Company in good faith. The Company's sole obligation to the Client regarding the same is, at the Client's cost and expense, to assign any assignable rights of recourse to the Client in relation to the custodians, as permitted by applicable laws; and

g)              The Company reserves the right to close any custody Account(s) held in the Client's name or on the Client's behalf at any time, without the obligation to provide a reason for such closure.

6.2       The Client acknowledges that their Virtual Assets may not have the same level of protection as "securities" or "futures contracts" defined in the applicable laws.

6.3       The Client acknowledges and understands that they are solely responsible for managing and maintaining the security of their account login credentials and any other required forms of authentication. The Client agrees that they will not hold the Company responsible for any such losses and acknowledges their responsibility in safeguarding their account information.

 

7.         Client’s Obligations and Responsibilities

7.1       The Client hereby warrants, represents and undertakes to the Company that:

i)               the Client is entering into these Terms as the principal and are not trading on behalf of any other individual or entity, unless the Company is specifically notified and provides written agreement. In the event that the Client is trading on behalf of another person or entity with the Company's written consent, the Client warrants that they are explicitly authorized by the principal to carry out all Transactions in accordance with these Terms. The Client acknowledges that their principal will fulfill all obligations and assume all liabilities arising from these Terms. In the event that the Client's principal fails to fulfill such obligations or liabilities, the Client will be held liable to the Company as if they were the principal with respect to the said obligations and liabilities;

ii)             (if the Client is a natural person) the Client is of legal age to enter into a binding contract; or (if the Client is a body corporate) the Client is duly incorporated and existing under the laws of its place of incorporation, with full power and capacity to enter into and perform its obligations under these Terms;

iii)            (if the Client is a body corporate) the Client’s entry into of these Terms has been duly authorized by their governing body and is in compliance with the Client's Articles of Association (or Memorandum of Association, if applicable) or other constitutional documents;

iv)            in the event that the Client provides an electronic signature, the Client agrees to do so in good faith and with the full intention that such electronic signature will be legally binding. The Client represents and warrants that the electronic signature affixed by them will be considered as valid as a signature under hand, in accordance with the applicable laws. The Client further agrees to be bound by these Terms, regardless of any potential challenges to the validity of electronic signatures under any applicable laws and regulations, even if such challenges are substantiated or valid;

v)             all information provided by the Client to the Company through the Nemo platform or any other means, both presently and in the future, must be true, accurate, and complete in all respects. This includes, but is not limited to, any information pertaining to the Client's financial circumstances that could potentially have a material adverse effect on the Client's ability to fulfill their obligations under the Agreement. The Client is responsible for ensuring the accuracy and completeness of the information provided to the Company;

vi)            the Client has not withheld any information that could have influenced the Company's decision to enter into the Agreement or any Transaction;

vii)          without limiting any other provision of the Agreement, the Client acknowledges and agrees that the information and documents contemplated by this clause may be transferred to and processed and/or stored by the Company, any of the Company’s nominees, Affiliates and/or any other persons engaged by us (whether within or outside Singapore) within Singapore and to jurisdictions outside Singapore. Such information and documents may be released or disclosed in accordance with the local laws or practice of the jurisdiction to which the data is transferred;

viii)         the Client will enter into Transactions based solely on their own judgement and investigations regarding the Virtual Assets, which shall mean that the Client:

a)             has received, read and understood all relevant documents that comprise the Agreement;

b)             has received, and/or solicited sufficient information in relation to the Virtual Assets and the Transactions;

c)             acknowledges that, unless specifically stated by the Company, they are not relying on any written or verbal communication from the Company as advice. The Client understands and agrees that the Company is not and shall not be considered as an advisor to the Client in relation to the Agreement or any Transaction; and

d)             has independently made the decision to enter into the Agreement and the Transaction, relying on their own judgment. Furthermore, the Client acknowledges that they have sought advice from independent advisers as they deemed necessary in order to make an informed decision;

ix)            the Agreement constitutes a valid and legally binding agreement between the Company and the Client enforceable in accordance with its terms;

x)             these Terms and performance of the Client’s obligations contained herein do not and will not:

a)             contravene any existing applicable law, statute, ordinance, rule or regulation or any judgment, decree or permit to which the Client is subject;

b)             violate any public interests, public ethics or other legitimate interests and will not constitute evasion of payable Taxes or fees; or

c)              conflict with, or result in any breach of, the terms of, or constitute any default under, any agreement or other instrument to which the Client is a party or subject, or by which any of the Client’s property is bound;

xi)            unless otherwise agreed upon by the Company, the Client confirms that they are the rightful owner of the Virtual Assets held in their Wallet and Account, free from any lien, charge, equity, or encumbrance, except as explicitly created by these Terms. The Client agrees not to create any additional charges, pledges, or encumbrances over the Virtual Assets or funds in their Wallet and Account, nor grant or attempt to grant an option over any Virtual Assets or funds in their Wallet and Account, without obtaining the prior written consent of the Company;

xii)          unless otherwise agreed upon by the Company, the Client acknowledges that they are the Person ultimately responsible for initiating the Instruction for each Transaction in the Account. The Client further acknowledges that they will stand to gain the commercial or economic benefits of such Transactions and will bear the associated commercial or economic risks;

xiii)         the Client bears full and exclusive responsibility for ensuring the security of their Wallet and Account and they have not disclosed any login credentials, including email address and/or passwords, associated with the Wallet and Account to any unauthorized individuals. The Client acknowledges that all activities carried out through the Wallet and Account are authorized by the Client;

xiv)         the Client possesses sufficient experience and knowledge in trading Virtual Assets and have obtained all necessary legal and financial advice before engaging in Transactions involving the purchase, acquisition, holding, sale, or disposal of any Virtual Assets;

xv)          the Client complies with all applicable laws in their jurisdiction regarding the handling of Virtual Assets when creating an Account and when engaging in any activities on the Nemo platform. Furthermore, the Client has supplied all required information and documents to the Company in order for their qualification status to be evaluated;

xvi)         the Client does not hold citizenship or residency, and is not situated within countries, regions, or jurisdictions that have prohibited the trading of Virtual Assets;

xvii)       the Client has obtained all required authorizations and consents, and taken all necessary corporate actions to make all payments and deliveries stipulated in the Agreement;

xviii)      if the Client is representing one or more businesses or franchises, that the Client is acting as their authorized representative. Furthermore, both the Client and the entity it represents shall be obligated to comply with these Terms;

xix)         the Client and their assets are not entitled to immunity from the jurisdiction of any court or legal process in any place;

xx)          the Client has not engaged in or been found guilty of any Tax or other criminal or illegal activity in any jurisdiction;

xxi)         the registration and use of the Nemo platform by the Client shall conform with the representations, covenants and restrictions stipulated herein;

xxii)       there are no pending or threatened legal actions, lawsuits, or proceedings in any court, tribunal, Government Agency, or arbitration body that are likely to impact the legality, validity, or enforceability of the Agreement against the Client or hinder the Client's ability to fulfill their obligations under the Agreement;

xxiii)      no Event of Default has occurred, and there has been no occurrence that, with the provision of notice, passage of time, or fulfillment of any condition, could develop into an Event of Default; and

xxiv)      the Client provides their consent for us to conduct regular checks on the Client's credit status with any credit bureau, credit reference agency, or similar Virtual Asset Service Provider in any applicable jurisdiction.

7.2       The Client further undertakes that:

i)               any changes to the information provided by the Client must be promptly communicated to the Company in writing;

ii)             when engaging in the purchase or transaction of any Virtual Assets, the Client will take measures to ensure that they are not a Forbidden Person, and that they are not acting on behalf of any person who is a Forbidden Person;

iii)            in the event of any changes concerning the Client's qualification status to use the Nemo platform, the Client is required to promptly inform the Company and discontinue trading on the Nemo platform. The Client must also furnish all requested information or documents to the Company for the purpose of evaluating their qualification status;

iv)            The Client must comply with all restrictions and prohibitions related to the usage of the Nemo platform.

v)             the Client shall not disrupt the operation of the Nemo platform or impede the usage of the Nemo platform by other clients through technical or any other methods;

vi)            the Client shall not utilize the Website, the Nemo platform or our service or any part thereof for the purpose of engaging in any activities related to money laundering, smuggling, commercial bribery, gambling, gaming or any other form of activities that are illegal under any applicable laws;

vii)          the Client is not subject to any applicable laws or regulations preventing them from complying with these Terms or performance of the Client’s obligations contained herein. In this regard, the Client is not a resident of the Prohibited Jurisdictions or any other jurisdiction where it may be unlawful to access or use our services;

viii)         if the Client is subject to prohibitions or restrictions as set forth in clause 11.9, they must not access the Website or the Nemo platform or use any of our services utilizing any virtual private network, proxy service, or any other third party service, network, or product with the effect of disguising their IP address or location, or access the Website or the Nemo platform or use any of our services using a Virtual Asset address in or subject to the jurisdiction of any Prohibited Jurisdiction or Government Agency thereof;

ix)            the Client is prohibited from using any automated methods or interfaces not provided by the Company to access the Nemo platform or extract data from the Nemo platform without obtaining prior written consent from the Company;

x)             the Client is prohibited from trying to bypass any content filtering techniques implemented by the Nemo platform. Additionally, the Client shall not attempt to access any areas of the Nemo platform or the Website that they are not authorized to access;

xi)            the Client is not permitted to create any third-party applications that interact with or disrupt the functioning of the Nemo platform without obtaining the prior written consent of the Company;

xii)          the Client is prohibited from using or attempting to use the accounts or wallets belonging to other clients of the Company without obtaining their explicit authorization;

xiii)         the Client is required to obtain prior written consent from the Company before granting, lending, leasing, transferring, disposing, or providing access to their Account to any other individuals or entities;

xiv)         the Client shall refrain from engaging in any activities that could harm or defame the goodwill or reputation of the Company;

xv)          the Client shall not encourage or induce any third party to engage in any of the activities prohibited under these Terms; and

xvi)         the Client shall comply at all times with all of the requirements of the Agreement.

7.3       Instructions from Other Persons

Notwithstanding the Client having informed the Company that they are trading on behalf of other individuals, the Company is not obligated to act upon any instructions except for the Instructions. The Company will not be held liable for refusing to act on unverified instructions given by any person claiming to be the Client's principal, nor for acting on the Client's Instructions despite receiving unverified notice of the revocation, withdrawal, or alteration of the Client's authority to act on behalf of their principal.

7.4       The Client agrees and understands that the Company reserves the right to declare a Transaction null and void, either in its entirety or partially, even if the Client or any other party involved does not consent to its cancellation or modification. In assessing whether a Transaction qualifies as a clearly erroneous transaction, the Company may take into account the following:

i)               suspicious trading activities;

ii)             violations of the Rules in the Nemo platform;

iii)            in situations where there was an obvious error in any term, including, but not limited to, price, amount of Virtual Assets, or other unit of trading;

iv)            in situations where there was a disruption or malfunction in the operation of any trading system or component of the Nemo platform, or any other relevant Virtual Asset network; and

v)             in situations where there were extraordinary market conditions or other circumstances that require in which the maintenance of a fair and orderly market by nullifying or modifying the Transactions.

8.         Indemnity & Exclusion of Liability

8.1       The Client hereby agrees to fully indemnify the Company and the other Nemo Parties, the Company’s and the other Nemo Parties’ directors, officers, employees, nominees and Affiliates and keep all such persons indemnified against all claims, actions, demands and proceedings against any such persons and bear Losses which they may suffer in connection with or as a result of (i) their carrying out of obligations or services, or exercising of rights, powers or discretions under, or in connection with these Terms save to the extent that such Losses arise directly as a result of the Company’s gross negligence, fraud, or willful default; and (ii) any representation, warranty or undertaking made by the Client to the Company in the Agreement being incorrect or misleading.

8.2       The Client acknowledges and agrees that all decisions about the purchase, holding or sale of Virtual Assets, or the entry into any Transaction are made solely by the Client. The Company and the other Nemo Parties shall not be responsible for any decision made by the Client to enter into the Agreement or any Transaction, to use any of the services provided by the Company, or for any fees or costs payable in connection with such Virtual Assets.

8.3       Although certain employees and agents of the Company may be authorized to provide the Client with information regarding Virtual Assets, other products, or services, neither the Company's employees nor its agents have the authority to make representations or warranties pertaining to any aspect of the Agreement. Consequently, and in accordance with applicable laws, the Company shall not be held liable for any Losses incurred due to actions taken by its employees or agents without proper authorization from the Company.

8.4       To the maximum extent permitted under applicable laws, the Company and the other Nemo Parties shall not be liable for any Losses suffered by the Client as a result of, or in connection with, the Client’s use of the Nemo platform or in connection with these Terms or arising from any act or omission of the Company and the other Nemo Parties, other than Losses arising directly as a result of any gross negligence, fraud, or willful default on the Company’s or the other Nemo Parties’ part. The Company and the other Nemo Parties shall in no event be liable for any loss of profit, indirect, special or consequential damages of any kind or the default of the Company’s and the other Nemo Parties’ directors, officers, employees, nominees or Affiliates or any person, firm or company through, or with whom, Transactions are effected for the Account. This Clause shall be applicable where the Loss arises for any reason and even if the Loss was reasonably foreseeable or the Company and the other Nemo Parties had been advised of the possibility of the Loss.

8.5       The Nemo Parties will not be liable for any Loss that is caused by any malfunction of a third-party application programming interface or other related interactions of any third-party software with the Nemo platform.  Moreover, none of the Nemo Parties, the Nemo Parties’ nominees or Affiliates shall be held responsible for any consequences resulting whether directly or indirectly from any events not within their control including without limitation restrictions by Government Agencies, impositions of emergency procedures, exchange rulings, third party conduct, suspensions of trading, adverse market conditions, or force majeure events, including wars, strikes, civil disorder, acts or threatened acts of terrorism, natural disasters, or any other circumstances beyond their control whatsoever.

8.6       The Nemo Parties shall not be responsible for, does not endorse, and makes no representation or warranty in connection with, any hyperlinked internet sites on the Website or on the Nemo platform, other internet sites to which the Client may be referred or any third party content displayed on the Website or the Nemo platform. Such internet sites may contain information that has not been devised, verified or tested by the Nemo Parties or its officers, employees or agents. The Nemo Parties neither endorses the accuracy or completeness of such information, nor guarantees that such information, or the provision of any hyperlinks to the Client, do not infringe third party rights. The Nemo Parties shall not be responsible for any Loss incurred by the Client in connection with those sites.

8.7       Our services may contain or in some cases, integrate with our services, certain Third-Party Services. When the Client clicks on a link to or access or use a Third-Party Service, we will not warn the Client that they have left our services and are subject to the terms and conditions (including privacy policies) of another website or destination. Such Third-Party Services are not under the control of the Nemo Parties.  The Nemo Parties is not responsible for any Third-Party Services. The Company provides these Third-Party Services only as a convenience and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Services, or any product or service provided in connection therewith. The Client uses all links in Third-Party Services at their own risk. When the Client leave our services, this Agreement and our policies no longer govern. The Client should review applicable terms and policies, including privacy and data gathering practices, of any Third-Party Services, and make whatever investigation the Client feel necessary or appropriate before proceeding with any transaction with any third party.

8.8       Our services rely on, and the Company makes no guarantee or warranties as to the functionality of or access to, any third-party Wallet and Ecosystem Partners to perform any Transactions.

9.         Incidents, Network Events & Suspension

9.1       Cyberattacks

While the Company makes every effort to manage and oversee the design, development, deployment, and operation of the Nemo platform in line with industry best practices and international standards to ensure adequate protection against cyberattacks, misuse, and unauthorized access, it does not guarantee the ability to prevent or fully mitigate all such incidents on blockchain networks. In the event of a cyberattack or modifications to the blockchain networks, the Client grants the Company authorization to take commercially reasonable actions. If the Company determines that the Virtual Assets on the Nemo platform have been compromised, the Client hereby authorizes the Company to temporarily halt or suspend trading, deposits, and withdrawals for those specific Virtual Assets.

9.2       Suspension

i)               The Company retains the authority to temporarily halt or suspend the Nemo platform trading, deposits, and withdrawals at its absolute discretion. This may occur during emergency market closures, system upgrades or maintenance, node upgrades, or in situations where, in the Company's judgment, such activities could potentially associate the Company with a Forbidden Person or Prohibited Address. The duration of such halts or suspensions will be solely determined by the Company.

ii)             In the event of a Fork that may result in multiple Virtual Assets, the Company maintains the right to determine which blockchain represents the original blockchain. If such a situation arises, the Client acknowledges and agrees that the Company may temporarily suspend the Client's deposit and withdrawal requests at its sole discretion. The Company may then, based on commercially reasonable efforts, either:

a)             configure or reconfigure the systems and/or the Nemo platform to accommodate the Fork; or

b)             choose not to support (or cease supporting) the branch derived from the forked protocol.

9.3       Network Events

i)               Infrastructure Participant, Network Participant and Network Event

In the event that:

a)             an Infrastructure Participant or Network Participant issues an Instruction, direction, decision, or election that affects a Transaction;

b)             an Infrastructure Participant or Network Participant becomes insolvent or is suspended from operations; or

c)             a Network Event occurs,

the Company is authorized to take any necessary action, at its sole discretion, to align with the Instruction, direction, decision, election, or event, or to mitigate any incurred or potential Loss or effect resulting from such action or event. In accordance with applicable laws, such action may involve the temporary suspension of access to the Client's Account or adjustment of the Account balance. The Client is bound by any such action taken by the Company, including any decisions or elections made regarding a Network Event;

ii)             Cooperation and Inquiries

If an Infrastructure Participant, Network Participant, or Government Agency makes an inquiry regarding any service or Transaction conducted under the Agreement, the Client agrees to cooperate with the Company and provide the requested information. The Client also acknowledges that any relevant information pertaining to the inquiry may be shared with the Company's nominees, Affiliates, Infrastructure Participants, Network Participants, or Government Agencies, as it deems appropriate;

iii)            Notification

In the event that the Company becomes aware of an Airdrop, Fork, or Network Event, it will, if relevant, notify the Client and provide the necessary information as early as reasonably practicable.

9.4       Property in Information

The Client acknowledges and agrees that the information and materials accessible to them through the Nemo platform may originate from the Company or other individuals and/or entities. The Client acknowledges that such information is the property of the individuals and/or entities providing it and is safeguarded by copyright or contractual limitations pertaining to its usage. The Client agrees to refrain from reproducing, retransmitting, disseminating, selling, distributing, publishing, broadcasting, circulating, or commercially exploiting such information without obtaining prior written consent from the Company.

9.5       By entering into the Agreement, the Company will grant a non-exclusive, non-transferrable personal right to access and utilize the service offered by the Company through the Nemo platform for the purpose of trading Virtual Assets. The Client is permitted to utilize the service, their Account, and associated information and materials solely for their own requirements and needs.

9.6       The Client acknowledges and agrees that if they access or use the online trading service or their Account while outside their jurisdiction of residency, they are responsible for ensuring compliance with any applicable laws, rules, or regulations in the jurisdiction where they are located.

9.7       Interruption

The Client acknowledges that Transactions conducted over the Internet may be susceptible to interruptions, transmission blackouts, delays caused by Internet traffic, or incorrect data transmissions due to the public nature of the Internet.

10.       Market Misconduct

The Client acknowledges that the Company maintains a commitment to the highest standards with the aim of preventing the use of the Nemo platform for market manipulation, abusive activities, or market misconduct. The Client agrees to adhere to these standards and refrain from engaging in activities that constitute market misconduct under the applicable laws. Such activities include, but are not limited to, insider dealing, false trading, price rigging, disclosure of information about prohibited Transactions, disclosure of false or misleading information to induce Transactions, and market manipulation. If the Company observes or suspects any instances of market misconduct, the Client acknowledges that their Account(s) may be suspended and/or terminated. Additionally, the Company reserves the right to report the relevant activities to the appropriate Government Agencies.

11.       General Provision

11.1     Variation

These Terms are subject to change by the Company in its sole discretion at any time. When changes are made, the Company will make the revised Terms available at the Website and the Nemo platform. We will also update the "Last Updated" date at the top of the Terms. Any changes to the Terms will be effective immediately for new clients, and will be effective thirty (30) days after posting notice of such changes on the Website and/or the Nemo platform for existing clients. The Company may require the Client to provide consent to the updated Terms in a specified manner before further use of the Website, the Nemo platform and/or our services is permitted. If the Client do not agree to any change(s) after receiving the notice, the Client shall stop using the Website, the Nemo platform and/or our services. Otherwise, the Client's continued use of the Website, the Nemo platform and/or our services constitutes their acceptance of such change(s). Please regularly check the Website and the Nemo platform to view the then- current terms.

The Client acknowledges and agrees that, in accordance with the Agreement and applicable laws, the Company reserves the right to modify various aspects of the activities outlined in the Agreement at any time. This includes, but is not limited to, any associated costs that may be applicable.

11.2     Non-Waiver

The failure or delay on the part of the Company to exercise any right, power, or privilege under these Terms does not constitute a waiver of that right, power, or privilege. Furthermore, the exercise, enforcement, or waiver of any such right, power, or privilege on a single or partial occasion does not prevent the Company from exercising, enforcing, or waiving it in the future, or from exercising or enforcing any other right, power, or privilege as outlined in these Terms.

11.3     Material Change

Both parties agree to promptly notify each other in the event of any material changes to the information contained in these Terms or provided to the other party as provided in these Terms. The Company, specifically, will provide written notification to the Client regarding any material changes to the Rules, or any other changes that may have a significant impact on the Client's Account. In this clause, a "material change" refers to any change that is likely to have a significant impact on the rights or obligations of the other party under these Terms.

11.4     Third Party Services

Subject to other provisions in the Agreement and applicable laws, the Company has the right to engage independent contractors, agents (including correspondents), or utilize the services of its Affiliates, or other third parties to fulfill certain functions or provide information to the Client. This is to ensure the effective provision of services as provided in the Agreement on terms deemed appropriate by the Company. These individuals or entities may be located in jurisdictions outside of Singapore. Furthermore, the Company reserves the right to change any service provider without prior notice. The Client acknowledges and agrees that, in addition to the Agreement, their use of services provided under the Agreement may be subject to the terms and conditions imposed by relevant third parties. These terms and conditions will be communicated to the Client from time to time.

11.5     Time of the Essence

Time shall in every respect be of the essence under these Terms.

11.6     Approvals and Consents

The Company does not provide any warranty or representation concerning any circumstance related to the subject matter of the consent or approval solely by virtue of having given its approval or consent.

11.7     Complying with an Order from a Court or Government Agency

The Client agrees not to initiate any legal proceedings against the Company in relation to its actions if the Company is acting in accordance with orders issued by a court or a Government Agency.

11.8     Severability

If there is a situation where an applicable law conflicts with the Agreement, rendering a provision of the Agreement illegal, void, unenforceable, or in violation of any requirement set forth by the applicable laws, or imposes an obligation or liability that is prohibited by such applicable law, then the applicable laws will prevail over the Agreement to the extent of the inconsistency. In such cases, the Agreement will be interpreted as if the conflicting provision were modified to the extent required to comply with the applicable laws and avoid their effects, or if necessary, omitted.

11.9     Eligibility

Clients who are ordinarily resident of the countries or regions below are not permitted to use our services or access the Website and/or the Nemo platform in any form:

[People’s Republic of China, Region of Crimea, Cuba, North Korea, Iran, Myanmar, Syria, Qatar, Egypt, Oman, Nepal, Bangladesh, Algeria, Bolivia, Tunisia, Libya, Morocco, Afghanistan, Iraq, Venezuela, Belarus, Russia, Turkey, Algeria, Bolivia, Ecuador, Kyrgyzstan] (“Prohibited Jurisdictions”). The Company may adjust the scope of Prohibited Jurisdictions from time to time by adding or removing jurisdictions, at its sole discretion. None of the Company, any Nemo Parties or any of their respective officers, directors, agents, representatives or employees shall be liable for any damage, claim or Loss incurred by the Client in connection with or arising from the Company’s refusal to provide services to the Client.

 

12.       Risk Disclosure & Disclaimer

12.1     The Client represents, warrants and undertakes to the Company that:

i)               the Client possesses a full understanding of the characteristics, nature, and risks associated with Virtual Assets and willingly assumes those risks;

ii)             the Client possesses adequate net worth to bear the risks and potential Losses associated with trading in Virtual Assets; and

iii)            the Client has conducted a thorough and independent evaluation of the risks involved, their investment objectives, financial requirements and commitments, as well as their personal circumstances, before issuing the Instructions, regardless of whether the Client has prior experience in trading Virtual Assets or similar instruments.

12.2     The Client explicitly acknowledges and agrees that their use of the Nemo platform, the Website, and any services provided by the Nemo platform is solely at their own risk. The trading interface, information, and all aspects of the Nemo platform are provided "as is," without any warranty of any kind, whether express or implied. This includes but is not limited to warranties of title or implied warranties of merchantability or fitness for a particular purpose. The Client understands and agrees that no oral advice or written information provided by the Nemo platform, its Affiliates, or any information providers shall create a warranty. The Client acknowledges that they should not rely on any such information or advice.

12.3     The Client acknowledges and agrees that Nemo Parties are not liable, and the Client agrees not to seek to hold Nemo Parties liable, for the conduct of third parties, including operators of external sites, and that the risk of injury from such third parties rests entirely with the Client. The Company makes no warranty that the goods or services provided by third parties will meet the Client’s requirements or be available on an uninterrupted, secure, or error-free basis. The Company makes no warranty regarding the quality of any such goods or services, or the accuracy, timeliness, truthfulness, completeness or reliability of any Connected Content obtained through the services.

12.4     Notwithstanding anything to the contrary in these Terms, the Company shall be under no obligation to inquire into and shall not be liable for any damages, other liabilities or harm to any person or entity relating to (i) the ownership, validity or genuineness of any Virtual Asset; (ii) the collectability, insurability, effectiveness, marketability or suitability of any Virtual Asset; or (iii) any losses, delays, failures, errors, interruptions or loss of data occurring directly or indirectly by reason of circumstances beyond the Company’s control, including without limitation the failure of a blockchain, third-party services provider, or Ecosystem Partner.

12.5     The Client acknowledges, understands and agrees that:

i)               virtual assets are highly risky, and investors should exercise caution when dealing with such products;

ii)             the classification of a virtual asset as "property" under the law may vary, and there can be legal uncertainty regarding the nature and enforceability of a client's interest in such a virtual asset;

iii)            the offering documents or product information provided by the issuer of virtual assets may not have undergone scrutiny or review by any regulatory body;

iv)            transactions involving virtual assets, regardless of the nature of the tokens, are not covered by the protection offered by any fund set up for making compensation to investors who suffer losses due to an intermediary default;

v)             virtual assets do not hold the status of legal tender and are not supported or backed by any government or authoritative bodies;

vi)            transactions involving virtual assets may be irreversible. Once a transaction is conducted on a blockchain or distributed ledger system, it is unable to be reversed or undone, which means that losses due to fraudulent or accidental transactions may not be recoverable;

vii)          the value of a virtual asset is reliant on the ongoing willingness of market participants to exchange fiat currency for that particular virtual asset. This means that if the market for a specific virtual asset ceases to exist, the value of that asset may be entirely and irreversibly lost. There is no guarantee that individuals or entities who currently accept a virtual asset as payment will continue to do so in the future;

viii)         the price of a virtual asset is known for its extreme volatility and unpredictability when compared to fiat currencies. This characteristic can lead to a complete and rapid loss of the investment in a short period of time;

ix)            changes in legislation and regulations have the potential to have a negative impact on the utilization, transfer, exchange, and value of virtual assets;

x)             the timing of certain virtual asset transactions may be determined based on when they are recorded and confirmed by the Nemo platform, which may not necessarily align with the time at which the Client initiates the transaction;

xi)            the inherent nature of virtual assets exposes them to a heightened risk of fraudulent activities or cyberattacks; and

xii)          due to the characteristics of virtual assets, clients may encounter difficulties accessing their virtual assets if the Nemo platform experiences any technological issues.

If the Client have any inquiries, please do not hesitate to contact Nemo at support@nemo.ceo.


 

PART B.           RISK DISCLOSURE STATEMENT

The use of our Services and trading in Virtual Assets involves risks. We set out below a non‐exhaustive list of risks which could result in the Loss, failure or destruction of the Client’s assets, the inability to access available benefits, or other Losses and termination of our Services. These factors are contingencies that may or may not occur, and we are not in a position to express a view on the likelihood of any such contingency occurring. Additional risks and uncertainties not set out below, or not expressed or implied below, could also harm the Client’s assets, the Client’s business and the Client’s financial condition.

The Client should consider carefully whether the risks set out below, as well as any other relevant risks, are acceptable to the Client before using our Services and trading in Virtual Assets. We recommend that the Client seek independent professional advice tailored to the Client’s specific circumstances before trading in Virtual Assets or using our Services.

The Client should determine if the transactions align with the Client’s investment goals, financial situation, risk tolerance, and investment experience by themselves. The Client should also be prepared to absorb a total Loss of the funds invested due to or in relation to any Virtual Asset Transaction, as well as any additional Losses beyond the initial amounts traded or invested that the Client may be liable for. When deciding whether to trade or invest, the Client should educate themselves about the general risks and specifically consider the following risk factors that may apply to each Virtual Asset Transaction.

Unless otherwise defined in this document, capitalized terms shall have the same meaning as the “Terms of Service”.

If the Client wish to trade Virtual Assets (irrespective of whether they amount to “securities” or “futures contracts” as defined under the applicable laws), the Client should carefully read and understand fully the relevant risks associated with the products as mentioned herein.

1.         Trading Risks

1.1     High-risk nature of Virtual Assets

(a)           Virtual Assets are not considered legal tender and are not backed or guaranteed by any Government Authority. Virtual Assets may or may not be considered as “property” under the applicable laws. Such legal uncertainty may affect the nature and enforceability of the Client’s interest in Virtual Assets.

(b)           Virtual Assets may not be backed by physical assets and may not have an intrinsic value.

(c)            Virtual Assets are considered a high-risk asset class and may or may not be considered securities. Some Virtual Assets may not circulate freely or widely, and may not be listed on any secondary markets.

1.2     Risk of Virtual Assets trading

(a)           Virtual Assets are highly risky and the Client should exercise caution in relation to Virtual Assets.

(b)           The prices of Virtual Assets may be highly volatile and subject to unpredictable fluctuations, sometimes dramatically. The price of a Virtual Asset may move up or down, or may become valueless.

(c)            The volatility and unpredictability of Virtual Assets may result in significant Losses over a short period of time.

(d)           Technical advancements, as well as broader economic and political factors, may also result in significant changes to the value of Virtual Assets in a short period of time.

(e)           Transactions involving Virtual Assets are irrevocable and irreversible, and lost or stolen Virtual Assets may not be recoverable. Once a transaction has been verified and recorded on a blockchain, Losses due to steal, fraudulent or accidental transactions will not be reversed or recoverable.

(f)            Once the steps described in these Terms are completed, a Virtual Asset Transaction becomes binding and cannot be reversed. However, some Virtual Asset Transactions may be deemed to be executed only when recorded and confirmed by us, which may not necessarily be the time at which the Client initiate the transaction or not executed at all. This delay could result in Losses for the Client if the Virtual Asset Transaction is not executed at the desired time.

(g)           Virtual Assets are relatively untested products and there is considerable uncertainty about their value and long‐term viability which could be affected by a variety of factors including, among others, discovery of wrongful conduct, market manipulation, change to the nature or properties of the Virtual Asset, governmental or regulatory activity, legislative and regulatory changes, suspension or cessation of support for a Virtual Asset or other exchanges or service providers, public opinions, or other factors beyond our control.

1.3     Virtual Assets may be complex products

Virtual Assets may be complex products by virtue that the terms, features and/or risk are not understood due to the complex structure, novelty and reliance on technological features.

1.4     Not a bank deposit

Neither us nor the entities associated with us is regulated, and any Fiat currencies or Virtual Assets held by us are not considered "deposits" within the meaning of any applicable laws or any other regulated product or service under any applicable laws.

1.5     Inflation risk

Due to the design of Virtual Assets or events such as Forks, Airdrops, or Network Events, the supply of Virtual Assets may not be fixed. When new Virtual Assets are created, the increased supply may cause a decline in their price due to inflationary effects resulting from the greater total number of Virtual Assets available.

1.6     Market, liquidity and conversion risk

The value of Virtual Assets may be derived from the continued willingness of market participants to exchange Fiat currency for the Virtual Assets which may result in the potential for permanent and total Loss of value of the Virtual Assets should the market for them disappear. There is no assurance that a person who accepts a Virtual Asset as payment will continue to do so in the future. Liquidity risk may be caused by a lack of liquidity in a particular market due to the absence of buyers, limited buy/sell activity or underdeveloped secondary markets for certain Virtual Assets. This risk could result in infrequent but significant changes in the underlying market price, making it difficult or impossible to unwind or transfer a particular Virtual Asset in a timely manner, at the expected price, or at all. There is no assurance that a person who accepts a Virtual Asset as payment will continue to do so in the future.

1.7     Certain events may impact Virtual Asset Transactions

The trading of Virtual Assets may be suspended, preventing investors and potential investors from buying or selling. The Nemo platform may suspend trading when necessary to ensure a fair and orderly market that protects investors’ interests. If trading is suspended, the subscription and redemption of Virtual Assets may also be suspended, and liquidating a position in the Virtual Assets may be challenging or impossible in certain circumstances.

Furthermore, certain events such as Network Events, Airdrops or Forks may occur rapidly and impact the Client’s ability to conduct a Virtual Asset Transaction. Information in respect of such events may be difficult to ascertain ahead of time and may be subject to limited oversight by any third party capable of intervening to stabilize the network.

1.8     Foreign exchange and foreign exchange control risk

(a)           Where a Virtual Asset Transaction is denominated in a particular Fiat currency other than the Client’s primary reference asset or when Virtual Assets are converted during the Virtual Asset Transaction, there is a risk that if the exchange market moves against the Client, then prior to, or upon the closing of the position, the net proceeds may be significantly less than the initial amount in the Client’s primary reference asset, and any income or gains may be entirely negated.

(b)           The Client may suffer Loss as a result of depreciation of the value of the Fiat currency paid as a result of foreign exchange controls. Repayment or payment of amounts due to the Client may be delayed or prevented by exchange controls or other actions imposed by Government Authority over the Fiat currency which they control or regulate.

1.9     Commissions, fees and other costs

All Virtual Asset Transactions executed in pursuance of the Client’s Instructions are subject to a transaction fee and any other fees, charges, commissions, and costs that we from time to time may impose. Before the Client begin to trade on the Nemo platform, the Client should obtain a clear explanation of all fees and other costs for which the Client will be liable. These costs will affect the Client’s net profit (if any) or increase the Client’s Loss. If any of these fees and costs are unclear, the Client should request specific monetary terms before entering into the Virtual Asset Transaction. The applicable fees and costs will depend on various factors, including the nature of the Client’s relationship with us, the size and complexity of the transaction, and the type of asset involved. Fees and costs may include execution charges, such as commissions, commission equivalents, markups, markdowns, and dealer spreads, as well as administrative costs. Commission equivalents refer to the amount charged by us for purchasing or selling Virtual Assets in certain riskless principal transactions, while markups or markdowns are the difference between the price charged to the Client and the prevailing market price. The spread refers to the difference between the current purchase or bid price and the current ask or offer price, which may fluctuate based on the supply and demand levels of the Virtual Assets.

1.10  No right under statutory protection schemes

(a)           Virtual Asset Transactions are not covered by the protection offered by the fund set up for making compensation to investors who suffer losses due to an intermediary default (irrespective of the nature of the Virtual Assets).

(b)           Virtual Asset Transactions and Virtual Assets may not enjoy the same protection as that conferred on other products and asset classes governed by the applicable securities laws.

(c)            any Virtual Assets or Fiat currency held in an Account are not protected deposits, and are not protected by any deposit protection scheme in any jurisdictions.

1.11  Risks of the Client’s assets received or held outside Singapore

Virtual Assets and Fiat currencies received or held by the licensed or registered person outside Singapore are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the local laws and regulations. Consequently, such assets may not enjoy the same protection as that conferred on other assets received or held in Singapore.

2.         Specific OTC Trading Risks

2.1 OTC Transactions (if applicable)

OTC Transactions are involved in the services, which may carry increased risks since it may be difficult to liquidate an existing position, determine a fair price or assess exposure to risk.

OTC Transactions are less transparent than those carried out on recognized exchanges.

2.2 Counterparty risk (if applicable)

The Client is subject to our counterparty risk under an OTC Transaction. The Client should note that we are not regulated by any financial regulator and as such, the Client may not receive any regulatory protection at all. The Client should cautiously consider whether it would be in their best interest to enter into OTC transactions with us, conduct appropriate due diligence on us and the relevant product to assess comparative credit risk before proceeding with the OTC Transaction, and seek independent professional advice if in doubt.

3.         Virtual Asset Issuer Risks

3.1 Offering documents or product information

Virtual Assets are not issued by us but by third parties. Therefore, the Client should be careful when considering any issuance or offer of such Virtual Assets. Any applicable terms and information should be carefully read, along with the risk disclosures provided by the issuers before entering into a Virtual Asset Transaction.

The offering documents or product information provided by the issuer of a Virtual Asset have not been subject to scrutiny by any Government Authority, unless expressly stated otherwise. For any Virtual Assets that have been authorized by a regulator, authorization does not imply any official recommendation or endorsement of the asset by the regulator, nor does it guarantee the commercial merits of the asset or its performance.

3.2 Issuer insolvency and default

In the unfortunate event that a Virtual Asset issuer becomes insolvent and defaults on their issued products, investors will not have any preferential claims to any assets held by the issuer and will be considered as unsecured creditors. Therefore, the Client should closely assess the financial strength and creditworthiness of Virtual Asset issuers and their project potential. Since Virtual Assets are not legal tender and not backed by assets or any Government Authorities, their tokens may no longer have any value in the event of issuer bankruptcy or cessation of operations, and the Client may lose the Client’s entire investment. It should be noted that we do not make any representations or warranties about whether any Virtual Asset will always continue to be available for trading in the Nemo platform, and any Virtual Asset is subject to delisting without prior notice in our sole discretion. Thus, it is advisable for the Client to seek independent professional advice before making any investment decision.

4.         Cybersecurity and Technology‐Related Risks

4.1 Distributed Ledger Technology (“DLT”)

The Nemo platform is designed to support various un-permissioned distributed ledger systems that can be accessed and used by anyone. To ensure the utility and integrity of the Nemo Platform, we plan to utilize supporting technologies that also operate on decentralized ledgers. Stability, security, and popularity of these decentralized ledgers are crucial for the success of the Nemo platform.

However, the DLT used in Virtual Assets is a relatively new, untested and evolving technology. Such experimental technology poses risks including (but not limited to) technical flaws in technology and development, consensus-based or other mining attacks, changes in the consensus protocol or algorithms, instability in future viability, decreased community or miner support, mining attacks, majority‐mining, targeting by malicious persons, rapid fluctuations in the value of relevant Virtual Assets, the emergence of competing networks, platforms, and assets, flaws in the scripting language, disputes between developers, miners, and/or users, and/or regulatory action.

4.2 Disruption to Services as a result of reliance on the internet and other technologies

The nature of Virtual Assets means that any technological difficulties experienced by us may prevent the Client from accessing the Client’s Virtual Assets.

Virtual Asset Transactions rely heavily on the internet and other technologies. Any significant disruption in our information technology systems, or any of the DLT networks we support, could adversely impact on the Client’s ability to use our services. As a result, the Client’s Virtual Asset Transaction may not be executed according to the Client’s Instructions, at the desired time, or not at all.

Our systems, that of our third‐party service providers and partners, and certain Virtual Asset and DLT networks may experience service interruptions or degradation because of reasons such as hardware and software defects or malfunctions, distributed denial‐of‐service and other cyberattacks, insider threats or other events. In addition, extraordinary trading volumes or site usage could cause our computer systems to operate at a slow speed or even fail. If any of our systems, or those of our third‐party service providers, are disrupted for any reason, our Services may fail resulting in, amongst others, unanticipated disruptions, slower response times, delays and failures in the execution of the Client’s Virtual Asset Transaction.

In addition, the public nature of the internet means that parts of the internet or the entire internet may be unreliable or unavailable at any given time. Transmitting data via the internet and/or other technologies can result in interruption, delay, corruption, or loss of data, loss of confidentiality, or transmission of malware. No authentication, verification or computer security technology is completely secure or safe. The internet or other electronic media are an inherently unreliable form of communication, and such unreliability maybe beyond our control. Any information transmitted, or communication or transaction made, over the internet or through other electronic media may be subject to security breaches. In case security is compromised, the information transmitted, communication or transaction may be exposed and result in reputational, monetary and other harm. Reliance on the internet also means that the information transmitted, communication and transaction may be vulnerable to interruption, transmission blackout, delayed transmission due to data volume, internet traffic, market volatility or incorrect data transmission or stoppage of price data feed.

4.3 Cyberattacks and fraudulent activity.

The nature of Virtual Asset Transactions and the reliance on internet technology by our services means that they may be the target of malicious cyberattacks and exposes them to an increased risk of fraud and cyberattacks. Malicious individuals may attempt to steal Virtual Assets or Fiat currency, or interfere with Virtual Asset Transactions or our services, which may lead to risks including (but not limited to) distributed denial of service, sybil attacks, phishing, social engineering, hacking, smurfing, malware, double spending, majority‐mining, consensus-based or other mining attacks, misinformation campaigns, forks, and spoofing.

Smart contracts and other code vulnerabilities, as well as human error, may also leave Virtual Assets, the Client’s Wallet, the Client’s Account, our service, our Website or the Nemo platform open to exploitation. A limited amount of Virtual Assets may be stored in Hot Wallets, which are online environments that can be vulnerable to hacking or cyberattacks. Hackers frequently target Virtual Asset trading platforms, and victims may struggle to recover Losses. This could result in significant Loss or other impacts that may materially affect the Client’s interests. These events may affect the features, functions, operation, use, access, or other properties of Virtual Assets, the Client’s Wallet, the Client’s Account, our Website, the Nemo platform, or our services. Although we have developed systems and processes designed to protect the data we manage, prevent data loss and other security breaches, there can be no assurance that these security measures will provide absolute security or prevent breaches or attacks. Any fraudulent activity, cyberattack or technological difficulty may affect have an adverse impact on the Client’s Virtual Assets or information relating to the Client.

4.4 Forks

Many cryptographic tokens are built on the Ethereum blockchain, which is an open-source protocol. Once the source code is released to the community, anyone can develop a patch or upgrade for Ethereum without prior permission. If a significant percentage of Ethereum holders accept these patches or upgrades, it could result in a “Fork” in the blockchain, which could adversely affect the operation of the trading platform. Forks can undermine the sustainability of the trading platform ecosystem and may even destroy or frustrate the trading platform. While attempts to re-merge the two separate branches may be made through community-led efforts, success is not guaranteed and could take an undetermined amount of time.

Virtual Assets may be subject to Forks or attacks on the security, integrity or operation of the networks including Network Events. Such events may affect the features, functions, operation, use or other properties of any Virtual Asset, network or platform.

The events may severely impact the price or value, function and/or the name of any Virtual Assets, or even result in the shutdown of the network or platform associated with the Virtual Asset.

4.5 Concentration risk

At any point in time, one or more persons may directly or indirectly control significant portions of the total supply of any particular Virtual Asset. Acting individually or in concert, these holders may have significant influence, and may be able to influence or cause Forks or Network Events which may have a detrimental effect on price, value or functionality of the Virtual Assets. Network Participants may make decisions that are not in the Client’s best interest as a holder of Virtual Assets.

4.6 Fraudulent transactions in Virtual Assets are not recoverable

Malicious entities may target the Client in an attempt to steal or to claim any asset the Client may hold. This may involve unauthorized access by third parties to the Client’s Wallet or Account or any Wallet or Account‐related details to conduct Virtual Asset Transactions without the Client’s knowledge or consent, as well as unauthorized access to the Client’s computer or other devices that the Client may use. This could happen through various means, such as gaining control over another device, Wallet or Account used by the Client. The Client alone is responsible for protecting themselves against such actions. Transactions involving Virtual Assets are irrevocable. Lost or stolen Virtual Assets generally will not be retrievable.

4.7 Risk related to Authorized Persons

Allowing another person to trade or operate an Account carries significant risks, including the possibility of unauthorized individuals providing Instructions. By granting such permission, the Client acknowledges and accepts all associated risks and release us from any liabilities that may arise from or be connected to these Instructions.

4.8 Claims by bad-faith persons

If someone gains access to the Client’s Wallet, email, or Accounts registered with us, they may claim the Virtual Assets in bad faith. This can happen due to password deciphering or cracking, phishing scams, or other hacking methods. Once they obtain the assets, they can send them to anyone, and the transfer cannot be revoked or reversed. To protect the Client’s Wallet, email, and Accounts, it is recommended that the Client take appropriate security measures. The Client is responsible for maintaining the security of their Wallet, email, and Account on the Nemo platform at all times.

4.9 Losing control of private key

The Client alone is responsible for securing the Client’s private key in respect of any address with respect to Virtual Assets not received nor held by us and/or the custodian (if any) in an Account. Losing control of the Client’s private key will permanently and irreversibly deny the Client access to the Client’s Virtual Assets. Neither we nor any other person will be able to retrieve or protect the Client’s Virtual Assets not held by us and/or the custodian in an Account. Once lost, the Client will not be able to transfer the Client’s Virtual Asset to any other address or wallet. The Client will not be able to realize any value or utility that the Virtual Asset may hold now or in future.

4.10 Cryptographic technology advancements

Developments in cryptographic technologies and techniques, such as artificial intelligence and quantum computing, pose security risks to all cryptography based systems including the Virtual Assets, the Client’s Wallet, the Client’s Account, the Nemo platform, our Website and our services. Applying these technologies and techniques may result in theft, Loss, disappearance, destruction, devaluation or other compromises of the Virtual Assets, the Client’s Wallet, the Account, our Services, the Nemo platform or the Client’s data (as applicable).

4.11 Short in processing power

As the Nemo platform scales up, there may be a sharp rise in transaction volumes and demand for processing power. If the demand for processing power exceeds what was predicted, it could destabilize or stagnate the platform's network. This could create opportunities for fraudulent activities, including unauthorized or false transactions, such as “double-spending”. All of these factors could negatively affect the usability, stability, and security of the Nemo platform.

4.11 Source code defects

We implement quality assurance protocols to ensure that the source codes reflect their intended functions as accurately as possible. However, flaws in the source codes, including those that are open source, cannot be entirely eliminated. These codes may contain bugs, inconsistencies, errors, flaws, or defects that can disable functionality, create vulnerabilities, or cause instability. Such issues may compromise the predictability, usability, stability, and/or security of the Nemo platform.

5.         Tax Risks

The tax treatment of Virtual Asset Transactions is uncertain and may be subject to the tax laws and regulations the relevant jurisdiction. However, the tax treatment and accounting of Virtual Assets is an area of law and practice that is largely untested and subject to change, and may vary among different jurisdictions. As a result, we may receive queries, notices, requests, or summons from tax authorities and may be required to provide information about Virtual Asset Transactions. The accounting profession has not established agreed upon standards and practices for auditors to obtain sufficient evidence for the existence and ownership of Virtual Assets or to determine the reasonableness of valuations. Therefore, if the Client is uncertain about the tax implications of the Client’s Virtual Asset Transactions, the Client should seek independent professional advice in case of uncertainty.

6.         Regulatory Risks

6.1 Restrictions in certain jurisdictions

Residents, Tax residents or persons having a relevant connection with certain jurisdictions may be excluded from carrying out Virtual Asset Transactions. Changes in the applicable law may adversely affect the use, transfer, exchange and value of Virtual Assets or result in the Client violating any legal or regulatory requirements of the Client’s applicable jurisdiction.

The Client is responsible for ensuring that any Virtual Asset Transaction is, and remains, lawful in case of changes to the applicable law, the Client’s circumstances, or residence.

6.2 Regulatory uncertainty

The regulatory regimes that govern DLT and Virtual Assets are uncertain and new regulations or policies may materially affect the development and value of the Virtual Assets. Legal and documentation risks associated with Virtual Asset Transactions include the possibility that transactions and/or their related framework arrangements may not be legally enforceable, or that the parties’ conduct violates applicable laws and regulations. There is legal uncertainty regarding whether Virtual Assets can be considered “property” under the law, potentially affecting the nature and enforcement ability of the Client’s interest in such assets. Laws and regulations are also likely to evolve rapidly depending on the interest of Government Authorities and the rigor of regulations varies significantly among jurisdictions, which may also have negative impacts on the use, transfer, exchange of the Virtual Assets, and the value of the Virtual Asset may decrease or lose due to such legislative or regulatory change.

It is the Client’s responsibility as an investor to understand and comply with the laws applicable to the Client or the Client’s property, rights, or assets, including any tax implications related to the Virtual Assets the Client trades or the leverage the Client provides.

6.3 Regulatory oversight from various jurisdictions

Securities are subject to legal and regulatory oversight from authorities in various jurisdictions around the world. We may receive notices, queries, warnings, requests, or rulings from one or more authorities on short notice. In some cases, we may even be ordered to suspend or terminate any action related to securities as a whole without prior notice. Many aspects of securities involve untested areas of law and regulation that could be subject to new laws or regulations. As a result, it is impossible to predict the legal and regulatory outcomes of securities in all relevant jurisdictions. This could seriously affect the planning, development, marketing, promotion, execution, or other aspects of Virtual Assets. Regulatory policies can change with or without prior notice, and any existing regulatory permissions or tolerance of Virtual Assets in any jurisdiction may be withdrawn suddenly. Cryptographic tokens and cryptocurrencies may be deemed a commodity or virtual commodity, digital asset, or even money, securities, or currency in various jurisdictions, potentially leading to prohibitions on entering into, trading, or holding securities in certain locations. This could result in Virtual Assets being considered a regulated or restricted product. It is worth noting that there is no guarantee that Virtual Assets will maintain any particular legal or regulatory status in any jurisdiction at any time.

6.4 Transactions in other jurisdictions

When conducting transactions involving Virtual Assets issued by parties subject to foreign laws or on markets in other jurisdictions, recovery of the invested sums and any profits or gains may be reduced, delayed, or prevented by exchange controls, debt moratorium, or other actions imposed by the Government Authority or other official bodies. Therefore, before undertaking any Virtual Asset Transactions, the Client should ensure that they are familiar with the relevant rules or laws. It is worth noting that the Client’s local regulatory authority will not be able to enforce the rules of regulatory authorities or markets in other jurisdictions where the Client’s Virtual Assets Transactions take place. Before trading, the Client should seek independent advice on the different types of redress available in the Client’s home jurisdiction and other relevant jurisdictions. If the Client’s country of residence imposes restrictions on Virtual Asset Transactions, we may be required to discontinue the Client’s access to the Account and may not be able to transfer Virtual Assets back to the Client or allow the Client to transfer Virtual Assets from the Account to themselves or others until the regulatory environment permits.

7.         Abandonment or Development Failure

As the Nemo platform is technically complex, we may encounter unforeseeable and unresolvable difficulties. Consequently, there is a possibility that the development of the Nemo platform could fail, terminate, or face delays at any time, for various reasons including insufficient funds. In the event of development failure or termination, the Virtual Asset may become non-transferable, non-exercisable, or even obsolete.

8.         Conflicts of Interest

To the extent permitted under applicable laws, we or other Virtual Asset Service Providers (subject to the terms agreed between the Client and such Virtual Asset Service Providers) may be acting as agents for the Client as well as principals against the Client. We or other relevant Virtual Asset Service Providers may facilitate the initial distribution of Virtual Assets, secondary market trading, or both, in manners similar to a traditional exchange, alternative trading system or securities broker. If these operations are not under the purview of any Government Authority, it would be difficult to detect, monitor and manage conflicts of interest.

9.         Disclaimer

9.1 No Investment Advice

This document may not disclose all risks and features of the Virtual Assets mentioned herein which are traded on the Nemo platform. This document has been issued by the Nemo platform for reference and information purposes only. The Client should not rely on this document alone to make any investment decision but should carefully read the related offering documentation and any other relevant documentation, in particular, detailed risks relating to each product contained in such documents. We do not recommend that any Virtual Assets should be bought, sold, or held by the Client.

The Client should not deal in Virtual Assets unless the Client conduct the Client’s own due diligence and understand the nature of the product and the extent of the exposure to risk. The Nemo platform will not be responsible or liable for any Loss caused by the investment in any products mentioned herein. The Client should not only consider the information contained either in this document or in the offering documentation but should also consider the Client’s own financial position and particular circumstances before making any investment decision. In case of doubt, the Client is strongly advised to obtain independent professional advice. In conducting any relevant activities, if the Nemo platform solicits the sale of or recommend any product including any virtual assets to the Client, the product must be reasonably suitable for the Client having regard to the Client’s financial situation, investment experience and investment objectives. No other provision of this agreement or any other document we may ask the Client to sign and no statement we may ask the Client to make derogates from this clause.

9.2 Accuracy of Information

We will endeavour to ensure accuracy of all information contained in this document although it will not hold any responsibility for any missing or wrong information. We provide all information as is. The contents of this material have not been reviewed by any regulatory authority. The Client understands that they are using any and all information contained in this document at their own risk.

This document does not constitute, nor is it intended to be, nor should it be construed as offer or solicitation to invest in any of the products mentioned herein. This document is not intended to be distributed to persons in the jurisdiction or countries that will violate the law or regulation, and it is not intended to be used by such persons.