Terms of Service

Dear User, Thank you for choosing YouWallet. This YouWallet Terms of Service (“Agreement”) is made between you (“you” or “User”) and YouWallet. (”we”) and is legally binding between you and YOUWALLET. YouWallet hereby reminds you that you must carefully read the full content of this Agreement and other documents mentioned in this Agreement before using YouWallet (“YouWallet” or “App”). Particularly, you must carefully read the section of “Disclaimer and Limitation of Liability” and other sections which are displayed in bold. You must make sure that you fully understand the whole Agreement and evaluate the risks of using YouWallet on your own. In addition, YouWallet can be downloaded on mobile application platforms, including but not limited to Google Play and App Store.

I. Confirmation and Acceptance of this Agreement

1.1 You understand that this Agreement and other relevant documents apply to YouWallet and the Decentralized Applications (“DApps”) which are developed and owned independently by YouWallet on YouWallet (and excluding DApps developed by third parties). 1.2 After you download YouWallet and start to create or import wallet, you are deemed as having read and accepted this Agreement, which shall cause this Agreement to become effective and legally binding on both you and YouWallet immediately. 1.3 YouWallet may, at its sole discretion, modify or replace this Agreement at any time. The modified Agreement will automatically take effect once it is posted on YouWallet and you will not be notified separately. If you do not agree with the modifications, you shall cease to use YouWallet immediately. Use of YouWallet by you after any modification to this Agreement constitutes your acceptance of this Agreement as modified. 1.4 If you are under 18 years old or you are a person of no capacity for civil acts or a person of limited capacity for civil acts, please use YouWallet under the guidance of your parents or guardians.

II. Definition

2.1 YouWallet: The blockchain wallet developed by YouWallet based on BTC/ETH/BSC/HECO/TRON/Polkadot/Kusama/EOS/COSMOS/BOS/ENU/MOAC/IOST and other blockchain systems which YouWallet may support in the future, and other supporting tools which are developed for the convenience of the Users when using blockchain systems. 2.2 User: a) a User must be a natural person who possesses full capacity for civil acts; b) if you are under 18 years old, please use YouWallet under the guidance of your parents or guardians. If any person of no capacity for civil acts conducts any transactions on YouWallet or any person of limited capacity for civil acts conducts any transaction which does not commensurate his/her civil rights or act capacity, the parents or guardians of the User shall be liable for the consequences of such transactions. 2.3 Excluded Person: a) except for natural persons, persons who have the legal and consciousness ability to conclude this Agreement; or b) users who are prohibited, restricted, unauthorized or unqualified to use the service (as defined in this Agreement) ) in any form or method (in whole or in part) due to this Agreement, laws, regulatory requirements, or the provisions of the jurisdiction applicable to the user. For the avoidance of doubt, Chinese Users are also regarded as "Excluded Person". 2.4 Terms: a) Create or import wallet: Using YouWallet to create or import wallet after you accept this Agreement. b) Wallet Password: The password you set when you create the wallet. The Wallet Password will be used to encrypt and protect your Private Key. YouWallet, as a decentralized application, will not store your Wallet Password on our servers, nor will your Wallet Password be stored in your own mobile devices. If you lose or forget your Wallet Password, you will have to reset the Wallet Password with your Private Key or Mnemonic Words. Reminder: It is recommended that Users follow the relevant steps for the information prompts involved in the YouWallet operating interface. c) Specific Users: Users who should cooperate with YouWalletand disclose Personal Information in order to comply with the laws, regulations and policies of Singapore. d) Private Key: Consists of 256 random bits. Private Key is the core for the User to hold and use the Tokens. e) Public Key: Public key is derived from the Private Key based on cryptography and is used to generate wallet addresses. A wallet address is a public address for reception of Tokens. f) Mnemonic Words: Consists of 12 (or 15/18/21/24) words which are randomly generated, and it is based on BIP39, the industry standard of blockchain. It is a human readable format of words to back up your Private Key for recovery. g) Keystore: A file that is encrypted by Private Key or Mnemonic Words and protected by the User’s Wallet Password. Keystore is stored only in Users’ mobile device and will not be synchronized to YouWallet servers. h) Tokens: The tokens which are supported by YouWallet currently, including but not limited to ETH, EOS and so on. i) Materials: Contents in the columns of “News”, etc. on YouWallet. The Materials are YOUWALLET’ proprietary properties. User shall not reproduce or distribute the materials without YOUWALLET’ permission and authorization. j) Personal Information: Means information recorded in electronic or any other form which may identify a natural person when used alone or in combination with other information, including but not limited to name, date of birth, identification card number, personal biological identification information, address, telephone number, bank card number, email address, wallet address, mobile device information, operation record, transaction record, but excluding Wallet Password, Private Key, Mnemonic Words and Keystore. k) PRC: The People’s Republic of China, including Hong Kong, Macau and Taiwan. l) Third-party services: Products and services provided by third parties such as third-party DApps, third-party DeFi, third-party smart contracts, third-party open source agreements, third-party web pages, third-party hardware wallets, third-party online web wallets, third-party exchanges, etc.

III. Services

3.1 Create or import wallet. You may use YouWallet to create a new wallet or import wallets generated by other wallet application. You may only import wallets with Tokens which are supported by YouWallet. 3.2 Transfer and receive Tokens. You may manage your digital Tokens by using the transfer and reception functions of YouWallet, i.e., you may revise the blockchain ledger by signing with your Private Key. Tokens Transfer means the payer transfer the Token to the blockchain address of the payee. The actual transfer of Tokens happens on the blockchain system (instead of on YouWallet). 3.3 Observe the market. You may use YouWallet to observe the market of the Tokens supported by YouWallet. The quotation of each Token is captured by YouWallet from corresponding exchange and is displayed in the “Markets” column on YouWallet. 3.4 Manage Tokens. You may use YouWallet to add, manage or delete the Tokens supported by YouWallet. Browse DApps. Users may use YouWallet to visit and use the services provided by DApps (including DApps developed by YouWallet and DApps developed by third parties). 3.5 Browse the DApp. Users can link to the DApp and use the services provided by the DApp (including YouWallet own DApps and third-party DApps) through the link on YouWallet. 3.6 Transaction records. We will copy all or part of your transaction records from the blockchain system. However, Users shall refer to the blockchain system for the latest transaction records. 3.7 Suspension of service. You understand that we are not able to reverse or cancel the transaction because transactions based on blockchain technologies are irrevocable. However, under certain circumstances, we may suspend or limit the function of YouWallet used by a particular User. 3.8 The mobile phone number, email address, and the added Owner’s authority required in the registration of YouWallet (the effective decentralized solution under the EOS system) belong to YOUWALLET. We will issue you a special note when the registration begins. If you choose to use the function, you are treated as having agreed to and recognized all terms. During the registration using the YouWallet mobile phone number and email address (the effective decentralized solution under the EOS system), your mobile phone or email address will be collected as a voucher. The multiple-signature authority of Owner will be added by default to facilitate the retrieval of the private key. In the registration method using the mobile phone and email address (the effective decentralized solution under the EOS system), we will impose the multiple-signature setting to YOUWALLET’s Owner authority to safeguard users’ authority security to the greatest extent. Additionally, the block information is traceable, which enables the largest openness and transparency. The initiator of every operation on the account can be checked. 3.9 Token exchange. Users can exchange tokens with third-party smart contracts or third-party DEXs. As an interface tool, YouWallet is used to help users interact with third parties and display the corresponding results of the token exchange. 3.10 Other services that YouWallet would like to provide.

IV. Users who use YouWallet must understand that:

4.1 In order to keep the decentralization feature of blockchain and to protect the security of your digital Tokens, YouWallet offers decentralized service which is largely different from the banking and financial institutions. Users shall understand that YouWallet(the decentralized solution) DOES NOT provide the following services: a) store Users’ Wallet Password (the password Users set when creating or importing wallets), Private Key, Mnemonic Words or Keystore; b) restore Users’ Wallet Password, Private Key, Mnemonic Words or Keystore; c) freeze the wallet; d) report the loss of wallet; e) restore the wallet; f) rollback transactions. 4.2 Users shall take care of their mobile devices, back up the YouWallet App, and back up the Wallet Password, Mnemonic Words, Private Key and Keystore by themselves. If your mobile device is lost, your YouWallet App or your wallet is deleted and not backed up, your wallet is stolen or you forget your Wallet Password, Private Key, Mnemonic Words or Keystore, YouWallet is not able to recover the wallet or restore Wallet Password, Private Key, Mnemonic Words or Keystore. Nor can YouWallet cancel transactions for the mishandling of Users (such as typing in wrong addresses for transactions). 4.3 YouWallet does not support all existing Tokens. Do not use YouWallet to handle any non-supported Tokens. 4.4 YouWallet is only a tool for Users to manage their Tokens and is not an exchange or a trading platform. For the purpose of this Agreement, the word “transactions” only means transferring and receiving Tokens, which is substantially different from transactions on the exchanges and trading platforms. 4.5 The DApps integrated into YouWallet include those developed independently by YouWallet and those developed by third parties. YouWallet only acts as a blockchain browser for those third-party-developed DApps. Users shall, at their sole discretion, decide whether there would be any risks to accept the services provided by or to conduct transactions on the third-party-developed DApps.

V. Your Rights and Obligations

5.1 Create or Import Wallet a) Create or import wallet: you are entitled to use YouWallet on your mobile device to create and/or import wallet, set Wallet Password and use your wallet on YouWallet to transfer and receive Tokens on blockchain. b) Identification verification: Specific Users will be asked to complete identification verification before using YouWallet to comply with related laws and regulations, according to the notification of YouWallet. Specific Users may be asked to provide Personal Information including but not limited to name, identification card number, cell phone number, bank card information, etc., without which the Specific Users will not be able to use certain services and the Specific Users alone shall be responsible for the loss caused by their delay in completing the verification. c) YouWalletmay develop different versions of YouWallet for different terminal devices. You shall download and install applicable version. If you download and install YouWallet or other application with the same name as “YouWallet” from any unauthorized third party, YouWalletcannot guarantee the normal operation or security of such application. Any loss caused by using such application shall be borne by you. d) A previous version of YouWallet may stop to operate after a new version is released. YouWallet cannot guarantee the security, continuous operation or customer services for the previous version. Users shall download and use the latest version. 5.2 Use of YouWallet a) Users shall take care of their mobile devices, Wallet Password, Private Key, Mnemonic Words and Keystore by themselves. YouWallet does not store or hold the above information for Users. You shall be responsible for any risks, liabilities, losses and expenses which result from frauds, you losing your mobile device, disclosing (whether actively or passively) or forgetting Wallet Password, Private Key, Mnemonic Words or Keystore, or your wallet being attacked. b) Follow the Alert. You understand and agree to follow the Alert pushed by YouWallet. You shall be responsible for any risks, liabilities, losses and expenses which result from your failure to comply with the Alert. c) You understand that YouWallet undertakes no responsibility to conduct due diligence on the services or transactions provided by third-party-developed DApps. You shall make investment decisions rationally and assume the risks by yourself. d) Complete the identification verification. If YouWallet reasonably deems your operation or transactions to be abnormal, or considers your identification to be doubtful, or YouWallet considers it necessary to verify your identification documents or other necessary documents, you shall cooperate with YouWallet and provide your valid identification documents or other necessary documents and complete the identification verification in time. e) With the registration method using YouWallet mobile phone number and email address (the effective decentralized solution under the EOS system), you can choose to export the private key functions to better manage your account. You are also informed that you can delete the multiple-signature Owner authority added by default and that YouWalletcan no longer help you recover the private key if the authority aforementioned is deleted. 5.3 Transfer of Tokens a) You understand that you may be subject to daily limits on the amount and times of transfers according to your location, regulatory requirements, transferring purposes, risk control by YouWallet, or identification verification. b) You understand that blockchain operations are “irrevocable”. When you use YouWallet to transfer Tokens, you shall be responsible for the consequences of your mishandling of the transfer (including but not limited to wrong address, problems of the node servers selected by you). c) You understand that the following reasons may result in “transfer failed” or “mining overtime” a. insufficient balance in wallet; b. insufficient gas for transaction; c. blockchain’s failure to execute the code of smart contracts; d. the transfer amount exceeds the transfer limits imposed by authorities, YouWallet or laws or regulations; e. technical failure of the network or equipment; f. abandoned transactions result from blockchain network congestion or failure; g. the wallet address of yours or your counterparty’s is identified as special addresses, such as high-risk address, exchange address, ICO address, Token address etc. d) You understand that YouWallet is only a tool for transfer of Tokens. YouWalletshall be deemed to have fulfilled its obligations once you have finished the transfer and shall not be held liable for any other disputes. e) Compliance. You understand that you shall abide by relevant laws, regulations and policies when you use YouWallet or the DApps on YouWallet. f) Notifications. YouWallet may send notifications to you by web announcements, e-mails, text messages, phone calls, Notification Centre information, popup tips or client-end notices (e.g., information about your transfer or suggestions on certain operations) which you shall be aware of timely. 5.4 Service fees and taxes. a) YouWallet does not charge you any service fees or handling fees for the time being. YouWallet may reach an agreement with you or announce rules regarding service fees in the future; b) You need to pay gas when you transfer Tokens, the amount of which would be on your sole discretion and would be collected by certain blockchain system; c) You understand that under some specific circumstances, your transfer of Tokens may fail due to instable network, but you may still be charged gas by certain blockchain system; d) You shall bear all the applicable taxes and other expenses occurred due to your transactions on YouWallet.

VI. Risks

6.1 You understand and acknowledge that the blockchain technology is a field of innovation where the laws and regulations are not fully established. You may be faced with material risks including instability of technology or failure of Tokens redemption. You also understand that Tokens have much higher volatility comparing to other financial assets. You shall make investment decisions and hold or dispose of the Tokens in a reasonable way and corresponding to your financial status and risk preferences. You also acknowledge that the market information is captured from exchanges by YouWallet and may not represent the latest or the best quotation of each Token. 6.2 If you or your counterparty fails to comply with this Agreement or fails to follow the instructions, tips or rules on the website or on the page of the transaction or payment, YouWallet does not guarantee successful transfer of the Tokens and YouWallet shall not be held liable for any of the consequences of such failure. If you or your counterparty has already received the payment in YouWallet wallet or third-party wallet, you understand that transactions on blockchain are irreversible and irrevocable. You and your counterparty shall assume the liabilities and consequences of your transactions. 6.3 You understand that blockchain operations and related transactions are irreversible. YouWallet shall not be held liable for the corresponding risks and consequences. 6.4 When you use third-party-developed DApps integrated in YouWallet, YouWallet strongly suggest you read this Agreement and YouWallet’s Alert carefully, get familiar with the counterparty and the product information and evaluate the risks before you make transactions on such DApps. 6.5 You understand that such transactions and corresponding contractual relationship are between you and your counterparty. YouWallet shall not be held liable for any risks, responsibilities, losses or expenses occurred due to such transactions. 6.6 It is your sole responsibility to make sure that your counterparty is a person with full capacity for civil acts and decide whether you shall transact with him/her. 6.7 You shall check the official blockchain system or other blockchain tools when you receive Alert such as “transaction failed” or “mining overtime” in order to avoid repetitive transfer. If you fail to follow this instruction, you shall bear the losses and expenses occurred due to such repetitive transfer. 6.8 You understand that after you create or import wallet on YouWallet, your Keystore, Private Key and Mnemonic Words are only stored on your mobile device and will not be stored in YouWallet or on the servers of YOUWALLET. You may change another mobile device to use YouWallet after you follow the instructions on YouWallet to backup your wallet. If you lose your mobile device before you could write down or backup your Wallet Password, Private Key, Mnemonic Words or Keystore, you may lose your Tokens and YouWallet is unable to restore them. If your Wallet Password, Private Key, Mnemonic Words or Keystore is disclosed or the device which stores or holds your Wallet Password, Private Key, Mnemonic Words or Keystore is hacked or attacked, you may lose your Tokens and YouWalletis unable to restore them. You shall bear the foregoing losses on your own. 6.9 We suggest you backup your Wallet Password, Private Key, Mnemonic Words and Keystore when you create or import wallet by writing them down on papers or backup them in password management apps. Please do not use electronic methods such as screenshots, e-mails, note-taking apps in cell phones, text messages, WeChat or QQ to backup any of the above information. 6.10 In order to avoid potential security risks, we suggest you use YouWallet in a secured network environment. Please do not use a jailbreak or Rooted mobile device. 6.11 Please be alert to frauds when you use YouWallet. If you find any suspicious conducts, we encourage you to inform us immediately.

VIl. Change, Suspension, Termination of YouWallet Service

7.1 You acknowledge and accept that YouWallet may, at its sole discretion, provide only a part of services for the time being, suspend certain services or provide new services in the future. When we change our services, your continuous use of YouWallet is deemed as your acceptance of this Agreement and revisions of this Agreement. 7.2 You understand that YouWallet may suspend services under the following circumstances: a) due to the maintenance, upgrading, failure of equipment and blockchain system and the interruption of communications etc., which lead to the suspension of the operation of YouWallet; b) due to force majeure events including but not limited to typhoon, earthquake, tsunami, flood, power outage, war, or terrorist attacks, or computer viruses, Trojan Horse, hacker attacks, system instability or government behaviors and other reasons, YouWallet is unable to provide services or in YOUWALLET’ reasonable opinion, continuous provision of services would result in significant risks; c) due to other events which YouWalletca nnot control or reasonably predicate. d) YouWalletre serves the right to unilaterally suspend or terminate all or part of the function of YouWallet under the following circumstances: a. death of Users; b. if you steal others’ wallets information or mobile devices; c. if you provide false Personal Information on YouWallet or cheat on Questionnaire; d. if you refuse to allow mandatory update of YouWallet; e. if you use YouWallet to commit illegal or criminal activities; f. if you hinder the normal use of YouWallet by other Users; g. if you pretend to be staff or management personnel of YOUWALLET; h. if you threaten the normal operation of YouWallet computer system by attack, invasion, alternation or any other means; i. if you use YouWallet to send spams; j. if you spread rumors which endanger the goodwill of YouWalletand YouWallet; k. if you conduct any illegal activities, breach this Agreement etc. or other circumstances under which YouWallet reasonably considers necessary to suspend services. 7.3 You are entitled to export your wallets within a reasonable amount of time if YouWallet changes, suspends or terminates its services.

VIIl. Your Representations and Warranties

8.1 You shall comply with all applicable laws and regulations of the country or area you reside in. You shall not use YouWallet for any unlawful purposes or by any unlawful means. 8.2 You shall not use YouWallet to commit any illegal or unlawful activities, including but not limited to: a) activities opposing the basic principles set forth in the constitution, endangering national security, disclosing state secrets, overturning the government or undermining national unity; b) any illegal conducts, such as money laundering, illegal fund raising etc.; c) accessing YouWallet services, collecting or processing the content provided by YOUWALLET, intervening or attempting to intervene any Users, by the employment of any automated programs, software, network engines, web crawlers, web analytics tools, data mining tools or similar tools etc.; d) providing gambling information or inducing others to engage in gambling; e) invading into others’ YouWallet wallets to steal Tokens; f) engaging in any inaccurate or false transactions with the counterparty; g) committing any activities which harms or attempts to harm YouWallet service system and data; h) other activities which YouWallethas reason to believe are inappropriate. 8.3 You understand and accept that you shall be responsible for any violation of law (including but not limited to the regulations of the Customs and Tax) or for breach of this Agreement by you and shall indemnify YouWallet against the losses, the third-party claims or administrative penalties against YouWallet incurred by such violation or breach, including reasonable attorney’s fees. 8.4 You are not an Excluded Person who is eligible to use the YouWallet service. 8.5 You confirm that you will pay the service fees charged by YouWalletin time (if applicable). YouWallet reserves the right to suspend the services when the User fails to pay service fees (if applicable).

IX. Privacy Policy

Your privacy is of utmost importance for YOUWALLET. Please refer to YouWallet Privacy Policy as updated by us from time to time for relevant privacy protection policies.

X. Disclaimer and Limitation of Liability

10.1 YouWallet only undertakes obligations expressly set forth in this Agreement. 10.2 YOU ACKNOWLEDGE AND ACCEPT THAT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YouWallet IS PROVIDED ON AN “AS IS”, “AS AVAILABLE” AND “WITH ALL FAULTS” BASIS. YouWallet shall not be held liable for malfunction of YouWallet which results from the following reasons: a) system maintenance or upgrading of YouWallet; b) force majeure, such as typhoon, earthquake, flood, lightning or terrorist attack etc.; c) malfunction of your mobile device hardware and software, and failure of telecommunication lines and power supply lines; d) your improper, unauthorized or unrecognized use of YouWalletse rvices; e) computer viruses, Trojan Horse, malicious program attacks, network congestion, system instability, system or equipment failure, telecommunication failure, power failure, banking issues, government acts etc.; f) any other reasons not imputed to YOUWALLET. 10.3 YouWallet shall not be held liable under the following circumstances: a) Users lose their mobile devices, delete YouWallet applications and wallets without back-up, forget Wallet Passwords, Private Keys, Mnemonic Words, Keystores without back-up, which result in the loss of their Tokens; b) Users disclose their Wallet Passwords, Private Keys, Mnemonic Words, Keystores, or lend or transfer their YouWallet wallets to others, or authorize others to use their mobile devices or YouWallet wallets, or download YouWallet applications through unofficial channels, or use YouWallet applications by other insecure means, which result in the loss of their Tokens; c) Users mishandle YouWallet (including but not limited to wrong address, failure of the node servers selected by you), which result in the loss of Tokens; d) Users are unfamiliar with the knowledge of blockchain and their mishandling of YouWallet results in loss of their Tokens; e) YouWallet is unable to copy accurate transaction records due to system delay or blockchain instability etc.; 10.4 Under the registration method using YouWallet mobile phone number and email address (the effective decentralized solution under the EOS system), users can choose to export the private key. The property damage arising from loss or stolen private key after the user changes the authority of Owner and Active shall not be borne by YouWallet in any way. 10.5 Under the default mode of the registration method using YouWallet mobile phone number and email address (the effective decentralized solution under the EOS system), if the private key cannot be retrieved through mobile phone number due to the user’s causes (such as the user cannot gain a new SIM card), YouWallet will not provide the service to retrieve the private key. 10.6 Property loss caused by users themselves (including but not limited to loss of mobile phone number, email address, the disclosure of the verification code, publication of the private key by the user, and the user’s personal information being hacked) shall not be borne by YouWalletin any way. 10.7 Users shall undertake the risks and consequences of their transactions on the third-party-developed DApps.You understand that YouWallet is only an management tool for Tokens which is incapable to control the quality, security and legitimacy of products and services provided by the third-party-developed DApps, or the authenticity and accuracy of their information and their capabilities to fulfill the obligations under the agreements with you. You, at your sole discretion, decide whether to transact on the third-party-developed DApps. It is the third-party-developed DApps, instead of YouWallet, that transact with you. We kindly remind you to carefully review the authenticity, legitimacy, and effectiveness of related information provided by the third-party-developed DApps before you decide to use the DApps. In addition, you shall also assume all the risks arising from the transactions between you and any third party exchanges. You acknowledge that YouWallet may provide services to you and your counterparties simultaneously and you agree to waive any actual or potential conflicts of interests and will not claim against YouWallet on such base or burden YouWallet with more responsibilities or duty of care.

XI. YouWallet does not warrant that:

a) services provided by YouWallet would satisfy all your needs; b) all techniques, products, services, information or other materials from YouWallet would meet your expectations; c) all the transaction information in digital tokens markets captured from the third party exchanges are prompt, accurate, complete, and reliable; d) your counterparties on YouWallet will perform their obligations in the transaction agreements with you timely. e) in any case, the total liability for YouWallet under this Agreement shall not exceed the greater of: a. 0.1 Ether; or b. 500 SGD, higher value shall prevail. 11.1 You are aware that YouWallet is only a tool for Users to manage their Tokens and to display transaction information. YouWallet does not provide legal, tax or investment advice. You shall seek advice from professional legal, tax, and investment advisors. In addition, YouWallet shall not be liable for any investment loss, data loss etc. during your use of our service. 11.2 You understand that we may change our entry standards, limit the range and ways to provide services for specific Users etc. at any time in accordance with relevant laws and regulations.

XII. Entire Agreement

12.1 This Agreement incorporates YouWallet Terms of Service, YouWallet Privacy Policy, and other rules (including contents in the “Support” column) posted by YouWallet from time to time. 12.2 If any provision of this Agreement is found by a court with competent jurisdiction to be invalid, the other provisions of this Agreement remain in full force and effect. 12.3 This English version and other translated version of this Agreement (if any) are provided for the convenience of Users, and are not intended to revise the Chinese version of this Agreement. If there is any discrepancy between the Chinese version and non-Chinese version of this Agreement, the Chinese version shall prevail.

XIll. Intellectual Property Rights Protection

YouWallet is an application developed and owned by YOUWALLET. The intellectual property rights of any contents displayed in YouWallet (including this Agreement, announcements, articles, videos, audios, images, archives, information, materials, trademarks or logos) are owned by YouWallet or the third party licensors. Users can only use the YouWallet applications and its contents for the purpose of holding and managing their Tokens. In particular, without prior written consent from YouWallet or the third party licensors, no one shall use, modify, decompile, reproduce, publicly disseminate, alter, distribute, issue or publicly publish the abovementioned applications and contents.

XIV. Governing Law and Dispute Resolution

14.1 The validity, interpretation, alternation, enforcement, dispute resolution of this Agreement and its revised versions shall be governed and construed in accordance with the YOUWALLET's national laws. Where there is no applicable law, this Agreement shall be interpreted by applicable commercial and/or industrial practices. 14.2 If any dispute or claim in connection with this Agreement arises between you and YOUWALLET, the parties shall first attempt to resolve the dispute or claim through amicable negotiations in good faith. If the parties cannot reach an agreement, either party may sue the other party at the competent court where YouWalletis located.

XV. Miscellaneous

15.1 If you live outside of Singapore, you shall fully understand and conform to the laws, regulations and rules in your jurisdictions which are relevant to use of YouWallet services. 15.2 During your use of YouWallet services, if you come across any problems, you can contact us through the submission of your feedbacks on YouWallet. 15.3 This Agreement is accessible for all Users on YouWallet. We encourage you to read this Agreement each time you log onto YouWallet. This Agreement shall become effective on July15th, 2021. As for any issues not covered in this Agreement, you shall comply with the announcements and relevant rules as updated by YouWallet from time to time. YouWallet.