Last updated: January 4, 2025

These Terms of Use (together with any documents they reference, the “Agreement”) govern your access to and use of Pandemic Labs’ website and services (the “Website,” “we,” “our,” or “us”). By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.

1. Eligibility

By using the Website, you represent and warrant that:

• You are at least 18 years old (or the age of majority in your jurisdiction).
• You have not been previously suspended or removed from the Website.
• You have full authority to enter into this Agreement.

If you register on behalf of an organization, you further represent that the organization is duly formed and that you have authority to bind it to this Agreement.

2. No Professional Advice

All content on the Website is for informational purposes only and does not constitute investment, financial, legal, tax, or any other professional advice. You should consult qualified advisors regarding your specific circumstances. We disclaim all liability for actions taken based on the Website’s content.

3. Restricted Jurisdictions

You must not access or use the Website from any jurisdiction where doing so would violate applicable law or regulations. Prohibited locations include, but are not limited to, countries subject to comprehensive OFAC sanctions (e.g., North Korea, Iran, Syria, Venezuela), and any other jurisdiction we designate from time to time.

4. Risk Disclosures

• Usage Risks: You assume all risks related to user error (e.g., sending funds to incorrect addresses), technical failures, security breaches, or third‑party actions.
• Investment Risks: Cryptocurrency investments are inherently risky and volatile. You alone are responsible for understanding these risks, conducting due diligence, and making your own decisions.

5. Fees and Calculations

You agree to pay any fees, commissions, or charges outlined at the time of your transaction. All fee calculations performed by the Website are final and binding, except in cases of manifest error. We may modify our fees at any time.

6. Taxes

You are solely responsible for determining and paying any taxes owed in connection with your cryptocurrency transactions. We do not provide tax advice or withhold taxes on your behalf.