OPIN.ART / THE CODEXMASTER TERMS OF SERVICE

Effective Date: 14 April 2026

Governing Law: England and Wales

Entity: MONOLITH LABS LTD (Co. No. 17154388)

ICO Registration: ZC126753

Registered Address: 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ

BOOK I: FORMATION AND BINDING MECHANICS

Article 1. The Cryptographic Signature (Electronic Acceptance)

These Terms of Service (the "Terms" or the "Codex") constitute a legally binding agreement between you and MONOLITH LABS LTD (the "Company"). By connecting a decentralised wallet, cryptographically signing a message, clicking "I Agree", minting an NFT, or otherwise accessing or interacting with the OPIN.ART platform (the "Platform"), you execute a legally binding electronic signature pursuant to the Electronic Communications Act 2000 and expressly agree to be bound by this Codex in its entirety. This action constitutes your unconditional and irrevocable acceptance of these Terms.

Your acceptance of this Codex constitutes simultaneous acceptance of all supplementary documents forming the OPIN.ART Legal Framework, each expressly incorporated herein by reference as an indivisible part of this agreement, including without limitation: the Privacy & Data Protection Policy; the Intellectual Property Protection Statement; the Cookie & PECR Policy; and the Automated Data Access & Commercial Tariff Policy (the "Tariff Policy"), which imposes substantial commercial fees — up to £250,000 per extraction session (as defined in Article 38) — for any unauthorised automated, programmatic, or AI-assisted access to or extraction of data from the Platform. You are required to review the Tariff Policy at https://opin.art/legal/data-access before using the Platform. Proceeding constitutes your confirmation that you have read and understood that document.

Article 2. Irrevocable Acceptance

Access to the Platform or its API constitutes your unconditional acceptance of this Codex and all supplementary documents forming the OPIN.ART Legal Framework. If you do not agree to all provisions of this Codex, you are expressly prohibited from accessing or using the Platform and must discontinue use immediately.

Article 3. Right to Modify

The Company reserves the right to amend, supplement, or replace this Codex at any time, at its sole discretion. Minor, non-material changes — including formatting corrections, typographical amendments, or minor legal clarifications — shall take effect fourteen (14) days after publication. Material changes shall be indicated by an updated Effective Date and notified via an in-platform alert at least fourteen (14) days before they take effect, except where immediate amendment is required by law or for urgent security reasons, in which case notice shall be provided as soon as practicable. Where you are a consumer as defined under the Consumer Rights Act 2015, you retain the right to terminate your use of the Platform without penalty before any material change takes effect if you do not accept the amended terms. Your continued use of the Platform following the applicable notice period constitutes your acceptance of all modifications. It is your obligation to review this Codex periodically.

Article 4. Severability of Provisions

If any single Article or provision of this Codex is held to be unlawful, void, or unenforceable by a competent tribunal or court of England and Wales, that provision shall be deemed severable from this Codex and shall not affect the validity or enforceability of the remaining provisions, which shall survive with full force and effect. Where possible, any unenforceable provision shall be modified to the minimum extent necessary to render it enforceable whilst preserving the original commercial intent of the parties.

Article 5. Prevailing Language

This Codex is drafted in the English language. English is the sole authoritative and governing language of this contract. Any translation provided into any other language is for convenience only and carries no legal weight whatsoever. In the event of any discrepancy, contradiction, or dispute regarding interpretation between any translation and the English version, the English language version shall exclusively prevail.

Article 5A. Definitions

In this Codex, the following terms shall have the meanings set out below unless the context otherwise requires:

• "API" or "Game API" means the application programming interface provided by the Company for authorised developer access to Platform functions, including minting and transferring NFT assets.
• "Blockchain" means the Solana public distributed ledger network.
• "Codex" or "Terms" means this Terms of Service document in its entirety, including all incorporated documents.
• "Company" means MONOLITH LABS LTD, incorporated in England and Wales (Company No. 17154388).
• "Digital Asset" means any NFT, token, or cryptographic asset accessible through the Platform.
• "Extraction Session" has the meaning given in Article 38.
• "JWT Token" means a JSON Web Token issued by the Company to authenticated API users.
• "NFT" means a non-fungible token: a unique cryptographic token representing ownership of a digital asset on the Blockchain.
• "PDA" means a Program Derived Address: a smart-contract-controlled escrow address on the Solana Blockchain.
• "Platform" means the OPIN.ART website, application, user interface, and all associated services operated by the Company.
• "User", "you", or "your" means any individual or entity who accesses or uses the Platform.
• "Wallet" means a non-custodial cryptographic wallet used by a User to interact with the Platform.

Article 5B. Entire Agreement

This Codex, together with all documents expressly incorporated by reference, constitutes the entire agreement between you and the Company with respect to your use of the Platform and supersedes all prior agreements, representations, warranties, and understandings of any kind, whether written or oral. No failure or delay by the Company in exercising any right, power, or remedy under this Codex shall constitute a waiver of that right, power, or remedy. The Company may assign its rights and obligations under this Codex without notice to you. You may not assign, transfer, or sub-licence your rights under this Codex without the prior written consent of the Company.

BOOK II: JURISDICTIONAL SHIELDS & ELIGIBILITY

Article 6. Absolute Jurisdictional Prohibition (USA & UK)

Access to and use of the Platform is strictly prohibited for and denied to: (i) citizens, residents, or tax-residents of the United States of America; (ii) citizens, residents, or tax-residents of the United Kingdom; and (iii) any legal entity incorporated, domiciled, or operating in either of the foregoing jurisdictions. The Company’s incorporation in England and Wales is maintained solely for the purposes of intellectual property governance, corporate administration, and international arbitration venue selection, and does not constitute an invitation to access the Platform by persons within the United Kingdom. By accessing the Platform, you represent and warrant, as a continuing obligation, that you do not fall within any of the prohibited categories set out in this Article.

Notwithstanding the foregoing prohibition, the Company acknowledges that mandatory consumer protection rights applicable in your actual jurisdiction of residence may not be capable of exclusion by contract, and such rights are expressly preserved to the extent required by applicable mandatory law, as further set out in Articles 50A and 50B.

Article 7. Global Sanctions Compliance

You represent, warrant, and covenant on a continuing basis that: (i) you are not listed on any sanctions register maintained by the Office of Financial Sanctions Implementation (OFSI), the United States Office of Foreign Assets Control (OFAC), the United Nations Security Council, the European Union, or any equivalent governmental or regulatory authority; (ii) you are not resident in, organised under the laws of, or located in any jurisdiction subject to comprehensive economic sanctions or trade embargoes; and (iii) your use of the Platform will not cause the Company or any of its affiliates to violate any applicable sanctions regime. The Company reserves the right to block or terminate access to any wallet address or IP address it reasonably suspects of sanctions non-compliance, without notice and without liability.

Article 8. Circumvention of Geo-Restrictions (VPN & Proxy Clause)

The use of virtual private networks (VPNs), Tor, proxy servers, or any other method of IP obfuscation or geographic masking to circumvent the Company’s geo-blocking or jurisdictional restrictions constitutes a deliberate misrepresentation of a material fact upon which the Company has relied in permitting access to the Platform, and constitutes a material breach of a licence condition. In such circumstances: (i) the Company may immediately terminate your access without liability; and (ii) any claim you bring against the Company shall be subject to the principle of ex turpi causa non oritur actio to the maximum extent permitted by applicable law — you may not derive legal rights or benefits from conduct that constitutes deliberate misrepresentation of your jurisdiction of residence.

Nothing in this Article is intended to, or shall operate to, exclude or limit any rights that cannot lawfully be waived under the Consumer Rights Act 2015, the Unfair Contract Terms Act 1977, or other mandatory statutory protections applicable in your jurisdiction of residence. Such rights are expressly preserved in accordance with Articles 50A and 50B.

Article 9. Minimum Age and Legal Capacity

You must be of the legal age of majority in your jurisdiction of residence (being a minimum of eighteen (18) years of age) to access the Platform, connect a wallet, interact with smart contracts, or participate in any transaction. By accessing the Platform, you represent and warrant that you satisfy this requirement and that you possess the full legal capacity to enter into a binding contract.

Article 10. Jurisdictional Burden of Proof

In the event of any dispute arising regarding your jurisdiction of residence, nationality, or eligibility, the burden of proof lies entirely and exclusively with you to demonstrate, to the Company’s reasonable satisfaction, that you are not a resident, citizen, or tax-resident of any prohibited jurisdiction as defined in Articles 6 and 7. The Company’s reasonable determination as to your eligibility shall be final and binding in the first instance, subject to challenge only through the dispute resolution procedure set out in Book X.

BOOK III: THE NON-CUSTODIAL & AGGREGATOR DOCTRINE

Article 11. Neutral Routing Operator

OPIN.ART is strictly a software router, visual interface, and technical aggregation layer. The Company does not broker, curate, solicit, or recommend any trade, transaction, or investment. Nothing within the Platform constitutes a Regulated Activity as defined under the Financial Services and Markets Act 2000 (FSMA 2000) as amended by the Financial Services and Markets Act 2023 (FSMA 2023), including the expanded cryptoasset regulatory perimeter introduced by FSMA 2023. The Company is not currently authorised or regulated by the Financial Conduct Authority (FCA) in respect of the activities conducted through the Platform. The Platform’s user interface is a software rendering layer only. Any displayed figures — including NFT valuations, floor prices, exchange rates, gas estimates, and transaction statuses — are retrieved from independent third-party nodes, APIs, and protocols over which the Company exercises no control and for which the Company makes no warranty of accuracy, completeness, or timeliness.

The Company monitors the evolving regulatory landscape under FSMA 2023 and associated FCA rules relating to cryptoassets. The Company reserves the right to modify, suspend, or terminate Platform services at any time to ensure continued compliance with applicable financial services regulation.

Article 12. Aggregation Disclaimer

The Platform displays data fetched from independent third-party marketplace protocols including, without limitation, Magic Eden and Tensor. The Company is not liable for delayed, inaccurate, duplicated, stale, or "ghost" listings originating from external APIs or third-party smart contracts. The blockchain ledger constitutes the sole definitive record of any transaction. Any discrepancy between the Platform’s visual representation and actual on-chain data is your sole responsibility to verify immediately prior to cryptographic signature.

Article 13. Zero-Custody Affirmation

The Company does not hold, control, manage, or possess your digital assets, SOL, NFTs, or cryptographic credentials at any time. The Company never has access to your private keys, seed phrases, or recovery phrases. You are the sole custodian of your digital assets.

Article 14. PDA Escrow Autonomy

All transactions facilitated through the Platform utilise Program Derived Addresses (PDAs) governed by on-chain smart contract logic. The Company has zero access to the private keys governing these escrow addresses. The release of funds from any PDA escrow is determined exclusively by the logic of the on-chain smart contract and the cryptographic actions of the transacting parties. The Company bears no liability whatsoever for the operation, failure, or exploitation of any PDA escrow mechanism, to the maximum extent permitted by the laws of England and Wales.

Article 15. No Fiduciary Duty

The Company is not your broker, dealer, agent, investment manager, financial advisor, or commodity trading adviser. No fiduciary, agency, or advisory relationship of any kind exists between you and MONOLITH LABS LTD. All decisions to transact are made solely by you, based on your own independent appraisal and due diligence.

Article 15A. Third-Party Services Disclaimer

The Platform may display links to, or integrated content from, third-party platforms, protocols, marketplaces, or services (including Magic Eden, Tensor, and Solana RPC providers). The Company does not endorse, control, or assume responsibility for any third-party services, their content, security practices, or terms of use. Your use of any third-party service is entirely at your own risk and subject to the terms of that third party. The Company makes no representation that third-party data, APIs, or smart contracts are accurate, current, or free from errors or security vulnerabilities.

BOOK IV: GAME API & DEVELOPER INTEGRATIONS

Article 16. API Licence Scope

The Game API is provided strictly on an "As Is" and "As Available" basis under a revocable, non-exclusive, non-transferable, non-sublicensable licence. The Company grants you a limited technical right to access the Game API solely for the purposes of minting and transferring NFT assets in connection with your authorised application or game. This licence may be revoked by the Company at any time, with or without cause, without prior notice and without liability.

Article 17. Client-Side Finality and Transaction Liability

The Game API constructs unsigned base64-encoded transaction payloads for client-side processing only. The Company never signs, broadcasts, or authorises transactions on your behalf. You assume full, absolute, and irrevocable liability for all consequences arising from your application of any private key to any payload constructed by the Game API. The final and definitive record of any transaction is the data confirmed on-chain at the moment of cryptographic authorisation by the end user or integrating developer.

Article 18. B2B Economic Disclaimer

If you integrate the Game API into your application, game, or service, the Company is not liable under any circumstances for: your lost profits, revenue, or goodwill; user churn, reputational damage, or business interruption; or any economic, consequential, or indirect damages resulting from API downtime, endpoint changes, smart contract upgrades, or service discontinuation. Your integration of the Game API is entirely at your own commercial risk.

Article 19. Rate Limiting and Abuse Prevention

The Company imposes rate-limiting controls on API access. Current limits (which may be updated in the API documentation without amendment to this Codex) are: five (5) write requests and twenty (20) read requests per minute per authenticated JWT token. Any attempt to circumvent, bypass, or exploit these throttling mechanisms — including through token rotation, distributed request patterns, or automated scripting — constitutes a material breach of this Codex and will result in permanent JWT token revocation and blacklisting of associated wallet addresses, without notice and without liability to you.

Article 20. API Deprecation and Modification

The Company reserves the absolute right to alter, deprecate, or permanently discontinue any API endpoint, upgrade or replace smart contracts, modify authentication protocols, or terminate the Game API service entirely, at any time, with or without prior notice and without liability to you or any third-party developer who has integrated the API into their product. It is your sole responsibility to monitor official Company communications and maintain technical compatibility.

Article 21. No Gambling Facilitation

You represent, warrant, and covenant on a continuing basis that your use of the Game API will not, directly or indirectly, facilitate, enable, or support illegal online gambling, unregulated lotteries, chance-based prize draws, NFT-based loot box mechanics that may constitute gambling under applicable law, or any other activity that constitutes a licensable gambling activity under the Gambling Act 2005, the Gambling Commission’s published guidance on NFTs and loot boxes, or equivalent legislation in your jurisdiction. Any breach of this warranty constitutes an immediate material breach of this Codex and entitles the Company to terminate your API access without liability and to pursue all available legal remedies.

Article 21A. Wallet Security and User Responsibility

You are solely responsible for the security of your Wallet, private keys, seed phrases, and any credentials used to access the Platform. The Company will never request your private key, seed phrase, or recovery phrase through any communication channel. You acknowledge that:

• Phishing attacks, social engineering, and malicious smart contract interactions are inherent risks of blockchain ecosystems;
• The Company does not guarantee the security of any third-party wallet software or browser extension;
• Any loss of Digital Assets resulting from compromise of your private keys, seed phrases, or wallet credentials is your sole responsibility and the Company shall bear no liability whatsoever in such circumstances;
• You should independently verify all transaction details — including recipient address, asset quantity, and fee — before cryptographically signing any transaction.

If you suspect your Wallet has been compromised, you should immediately cease all Platform activity and contact your wallet provider.

BOOK V: BLOCKCHAIN REALITIES & RISKS

Article 22. Transaction Irreversibility

You acknowledge and accept that all transactions broadcasted to the Solana blockchain are cryptographically final and irreversible. Once a transaction has been confirmed on-chain, it cannot be cancelled, frozen, reversed, or recalled by the Company under any circumstances. You are solely responsible for verifying the complete contents of every transaction — including recipient address, asset type, quantity, and associated fees — immediately prior to cryptographic authorisation.

Article 23. Network Failure and Validator Risk

The Company is not liable for any losses, delays, or failures caused by: Solana network congestion or outages; validator downtime or misbehaviour; failed transaction broadcasts due to insufficient gas or network conditions; blockchain forks or protocol upgrades; or any other event affecting the underlying network infrastructure beyond the Company’s reasonable control.

Article 24. Airdrops, Forks, and Supported Assets

The Company retains absolute and sole discretion over which digital assets, blockchain networks, airdropped tokens, and forked assets are displayed or supported within the Platform’s interface. The Company has no obligation whatsoever to support any specific token, airdrop, or fork. To the maximum extent permitted by applicable law, the Company shall have no liability for any financial loss or missed opportunity resulting from your inability to access unsupported, forked, or airdropped assets through the Platform.

Article 25. Smart Contract Vulnerabilities

You acknowledge and accept that all blockchain code — including third-party smart contracts accessible through the Platform and the Company’s own Game API contracts — may contain undiscovered exploits, logic errors, backdoors, or economic vulnerabilities that are not visible to the Company or to you at the time of interaction. You interact with all smart contracts at your own absolute and irrevocable risk. To the maximum extent permitted by the laws of England and Wales, the Company bears no liability for losses arising from smart contract vulnerabilities, whether known or unknown at the time of your interaction.

Article 26. Decentralised Storage Decay

The Company is not responsible for the degradation, loss, or unavailability of NFT metadata, images, or associated digital content stored on decentralised storage protocols including, without limitation, IPFS and Arweave. The permanence of off-chain content is outside the Company’s control and is not warranted or guaranteed.

Article 26A. Force Majeure

The Company shall not be liable for any delay in performance or non-performance of its obligations under this Codex to the extent that such delay or non-performance is caused by circumstances beyond its reasonable control, including without limitation: acts of God, natural disasters, pandemics or epidemics, war, terrorism, civil unrest, government action or regulation, power outages, internet infrastructure failures, cyberattacks on the Company’s systems, failure of third-party hosting or cloud services, or any event affecting the Solana blockchain or its validator network. Where such circumstances persist for more than thirty (30) consecutive days, either party may terminate access under this Codex upon written notice, without liability to the other.

BOOK VI: INTELLECTUAL PROPERTY & CONTENT

Article 27. Platform Intellectual Property

All rights, title, and interest in and to the OPIN.ART Platform — including its user interface, user experience architecture, source code, proprietary smart contract logic, database schemas, data compilations, visual design language, trade dress, and the "Anfisa" digital persona — are the exclusive and unencumbered property of MONOLITH LABS LTD, protected pursuant to the Copyright, Designs and Patents Act 1988, the Trade Secrets (Enforcement, etc.) Regulations 2018, and all applicable international intellectual property treaties. You are granted a limited, personal, non-exclusive, non-transferable, revocable licence to access the Platform solely for lawful personal use in accordance with this Codex.

Article 28. User Content Warranty and Licence Grant

By minting, uploading, listing, or otherwise submitting any digital asset or content to the Platform ("User Content"), you:

(a) Represent and warrant that: (i) you are the sole and exclusive legal and beneficial owner of all intellectual property rights subsisting in that content; (ii) you have obtained all necessary licences, consents, and clearances from all relevant third parties; (iii) the content does not infringe any copyright, trademark, design right, trade secret, or other proprietary right of any third party; and (iv) the content does not constitute defamatory, obscene, or unlawful material. These warranties are given on a continuing basis for so long as the content remains accessible through the Platform; and

(b) Grant to MONOLITH LABS LTD a worldwide, royalty-free, non-exclusive, sub-licensable licence to host, display, reproduce, and facilitate the transaction of your User Content through the Platform for the purposes of operating the Platform and delivering the services described in this Codex. This licence terminates upon the removal of your User Content from the Platform, subject to any retention obligations under applicable law.

Article 29. Copyright Indemnity

You assume absolute, unlimited, and sole liability for any and all third-party intellectual property claims arising from content you have minted, uploaded, or listed on the Platform. You agree to fully indemnify, defend, and hold harmless MONOLITH LABS LTD, its directors, officers, employees, and legal representatives on a full indemnity basis against all claims, damages, losses, costs, legal fees, and expenses — including barristers’ fees and court costs — arising from any actual or alleged infringement of third-party intellectual property rights in connection with your content.

Article 30. Notice and Takedown Right

The Company reserves the absolute and unconditional right to de-list, obscure, or remove any NFT or content from the Platform’s frontend interface at any time, at its sole discretion and without prior notice, upon receipt of a credible intellectual property complaint or upon the Company’s own reasonable determination that the content may infringe third-party rights. Such de-listing shall be without liability to you or to any third party. You acknowledge that de-listing from the Platform’s interface does not constitute deletion from the underlying blockchain.

Article 31. On-Chain Immutability Acknowledgment

You acknowledge and accept that the de-listing or removal of an NFT from the Platform’s frontend interface does not erase, alter, or affect the NFT’s existence on the public Solana blockchain, which is cryptographically immutable. The Company has no technical ability to delete, modify, or reverse any on-chain record.

BOOK VII: PROHIBITED CONDUCT & MARKET INTEGRITY

Article 32. Anti-Wash Trading

You are strictly prohibited from engaging in wash trading — that is, entering into transactions with yourself, with affiliated wallet addresses, or with any other party acting in concert with you — for the purpose of artificially inflating trading volume, manipulating floor prices, or triggering any reward, loyalty, or incentive mechanism. Any such conduct constitutes a material breach of this Codex and may constitute market manipulation under applicable law.

Article 33. Anti-Spoofing and Order Manipulation

You are strictly prohibited from placing bids, offers, or listings on the Platform with the intent to cancel them prior to execution for the purpose of manipulating market prices, deceiving other users, or creating a false impression of market depth or liquidity. The Company reserves the right to permanently blacklist any wallet address exhibiting spoofing behaviour, without prior notice and without liability.

Article 34. Malicious Code and Exploit Injection

The uploading, embedding, or transmission of malicious code, wallet-drainer scripts, phishing links, exploit payloads, or any other harmful or deceptive content — whether via the API, NFT metadata, or any other vector — constitutes a material breach of this Codex and may constitute a criminal offence under the Computer Misuse Act 1990. The Company reserves the right to report such conduct to the National Cyber Security Centre (NCSC) and relevant law enforcement authorities without prior notice to you.

Article 35. Wallet Blacklisting

The Company reserves the unconditional right to restrict, suspend, or permanently blacklist any specific wallet address from interacting with the Platform’s frontend interface or API, at its sole discretion and without prior notice, where the Company reasonably suspects a breach of any provision of this Codex or any applicable law. No compensation shall be payable to any blacklisted party.

BOOK VIII: COMMERCIAL TARIFFS & ANTI-SCRAPING

Article 36. Database Rights Assertion

Pursuant to Regulation 16 of the Copyright and Rights in Databases Regulations 1997 (SI 1997/3032), as retained in UK domestic law following the European Union (Withdrawal) Act 2018, the Company asserts its exclusive sui generis database right over the aggregated NFT indexes, pricing data, listing data, transaction histories, and all other structured datasets comprised within or generated by the Platform. The Company has made and continues to make a substantial investment in the obtaining, verification, and presentation of the contents of these databases. Any extraction or re-utilisation of the whole or a substantial part of these databases, or the repeated or systematic extraction of insubstantial parts in a manner that conflicts with the normal exploitation of the database or unreasonably prejudices the legitimate interests of the Company, is strictly prohibited without the Company’s express prior written consent.

Article 37. Unauthorised Scraping and Data Extraction Prohibition

Automated extraction of data, web scraping, API harvesting, or the use of any programmatic tools to collect, copy, or systematically access the Platform’s data — including for the purpose of training artificial intelligence models, machine learning systems, or large language models — without an explicit written commercial licence from the Company is strictly prohibited. This prohibition applies to both direct and indirect use of Platform data, regardless of the technical method employed.

Article 38. The Commercial Tariff

For the purposes of this Article, an "Extraction Session" means any continuous or intermittent period of automated or programmatic access to Platform data originating from a single IP address, user agent, authenticated credential, or coordinated set of the same, regardless of the number of individual requests made within that period.

Any unauthorised programmatic extraction of data from the Platform — excluding authorised Game API access conducted pursuant to a valid JWT token issued by the Company — immediately and automatically triggers a commercial licensing fee of £250,000 (Two Hundred and Fifty Thousand British Pounds) per Extraction Session. The parties acknowledge that this sum represents a genuine pre-estimate of the commercial value of the data accessed, calculated by reference to the Company’s cumulative intellectual investment, research and development expenditure, and the unique commercial value of the aggregated dataset. This is a commercial price for access, not a contractual penalty, and the parties confirm that it represents a legitimate interest of the Company proportionate to the loss that would flow from unauthorised commercial exploitation of its database, in accordance with the principles established in Cavendish Square Holding BV v Makdessi [2015] UKSC 67. The Company additionally reserves the right to seek an account of all profits derived from any commercial product built using unlicensed Platform data, pursuant to section 96 of the Copyright, Designs and Patents Act 1988.

Article 39. Software Routing Fees

The Company collects automated software routing fees for certain transaction types facilitated through the Platform interface. The applicable fee shall be clearly displayed within the Platform’s UI prior to your execution of any transaction. By cryptographically signing any transaction through the Platform, you irrevocably consent to the routing fee displayed at the time of signing. This fee is strictly for the use of the software interface and does not constitute a fee for financial advice, brokerage, or any Regulated Activity under FSMA 2000 or FSMA 2023.

BOOK IX: DISCLAIMERS & LIMITATIONS OF LIABILITY

Article 40. Caveat Emptor (NFT Verification)

The Company does not verify, authenticate, warrant, or represent the rarity, provenance, authenticity, value, or legitimacy of any NFT displayed or transacted on the Platform. All NFT purchases are made strictly on a caveat emptor basis. You are solely responsible for conducting your own due diligence prior to any transaction. The display of an NFT on the Platform does not constitute an endorsement, valuation, or financial promotion.

Article 41. No Tax Advice

Nothing within the Platform or this Codex constitutes tax, financial, legal, or investment advice. You are solely responsible for calculating, reporting, and paying all taxes arising from your use of the Platform and any transactions you conduct, including to HM Revenue & Customs (HMRC) or your local tax authority. The Company does not issue tax forms and does not report your transactions to any tax authority unless legally compelled by a valid court order or binding legal instrument.

Article 42. Persona Disclaimer

Any statements, communications, or content made by or attributed to "Anfisa", any other AI-driven digital persona, or any automated system associated with the Platform are for entertainment and informational purposes only. They do not constitute investment advice, financial promotion, or any representation of the Company’s views. You must not act upon any such content as a basis for any financial or commercial decision. AI-generated content may be inaccurate, incomplete, or outdated. The Company accepts no liability for any loss or damage arising from reliance on AI-generated content.

Article 43. The Aggregate Liability Cap

To the maximum extent permitted by the laws of England and Wales, the Company’s total aggregate liability to you arising out of or in connection with this Codex, the Platform, or the Game API — whether in contract, tort (including negligence), breach of statutory duty, or otherwise — is strictly capped at £500 (Five Hundred British Pounds). This cap reflects the following objectively reasonable factors, assessed having regard to Schedule 2 of the Unfair Contract Terms Act 1977 and the reasonableness test under the Consumer Rights Act 2015: (i) the Platform is strictly non-custodial and the Company has no access to, control over, or ability to recover your digital assets at any time; (ii) the Company derives no direct economic benefit from the value of your transactions or the assets you choose to manage; any fees received by the Company arise solely from fixed software routing arrangements and are entirely independent of your asset values; (iii) the Company has no ability to foresee or quantify the value of assets you choose to manage through the interface; (iv) commercially reasonable alternative interfaces are readily available to you at no cost; and (v) you have been expressly warned of all material risks prior to acceptance of this Codex.

This cap does not apply to: (a) liability for death or personal injury caused by the Company’s negligence; (b) liability for fraud or fraudulent misrepresentation; or (c) any other liability that cannot lawfully be excluded or limited under applicable mandatory law, as further set out in Article 50B.

Article 44. UCTA 1977 Reasonableness Affirmation

You acknowledge and confirm that the £500 aggregate liability cap set out in Article 43 is fair and reasonable having regard to the circumstances known to the parties at the time of contracting, and in particular having regard to: the non-custodial and zero-cost nature of the Platform; the availability of alternative services; the impossibility of the Company forecasting the value of assets under the user’s sole control; and the express risk warnings provided prior to acceptance. You confirm that you are not relying on any representation by the Company as to the safety, value, or performance of any digital asset.

Article 45. Exclusion of Indirect and Consequential Damages

To the maximum extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including without limitation loss of profits, loss of revenue, loss of data, loss of goodwill, business interruption, or loss of commercial opportunity — arising out of or in connection with your use of or inability to use the Platform or the Game API, howsoever caused and regardless of the theory of liability.

Article 45A. Data Protection and Privacy

The Company processes personal data in accordance with the UK General Data Protection Regulation (UK GDPR) as incorporated into UK law by the European Union (Withdrawal) Act 2018, and the Data Protection Act 2018. Full details of the Company’s data processing activities, legal bases, retention periods, and your rights as a data subject are set out in the Company’s Privacy & Data Protection Policy, available at https://opin.art/legal/privacy.

In summary, you have the right to: (i) access personal data held about you; (ii) rectify inaccurate personal data; (iii) erasure of personal data in certain circumstances; (iv) restriction of processing; (v) data portability; and (vi) object to processing. You also have the right to lodge a complaint with the Information Commissioner’s Office (ICO) at ico.org.uk if you believe your data protection rights have been infringed. The Company’s ICO registration number is ZC126753.

Article 45B. Cookies and PECR Compliance

The Platform uses cookies and similar tracking technologies in accordance with the Privacy and Electronic Communications Regulations 2003 (PECR) and UK GDPR. The Company’s Cookie & PECR Policy, available at https://opin.art/legal/cookies, provides full details of the cookies used, their purposes, and how you can manage your cookie preferences. By continuing to use the Platform after being presented with the cookie consent mechanism, you consent to the use of non-essential cookies as described in the Cookie Policy. Essential cookies required for the Platform’s technical operation are placed without consent on the basis of legitimate necessity.

Article 45C. Complaints Procedure

The Company is committed to resolving complaints promptly and fairly. If you have a complaint about the Platform or the Company’s services, please contact the Company in the first instance by email at info@monolithlabs.uk, setting out the nature of your complaint and the outcome you seek. The Company will acknowledge your complaint within five (5) business days and provide a substantive response within thirty (30) days.

If you are dissatisfied with the Company’s response, and if you are a consumer resident in the United Kingdom or European Union, you may be entitled to refer your complaint to an alternative dispute resolution ("ADR") scheme or relevant regulatory authority in your jurisdiction. Nothing in this Article limits your right to commence arbitration proceedings under Article 46 or to exercise any mandatory legal rights under applicable consumer protection law.

Article 45D. Account Suspension and Termination Procedure

Where the Company suspends or terminates your access to the Platform or API (including wallet blacklisting under Article 35), the following provisions apply:

• Where practicable and where doing so would not compromise security, legal compliance, or an ongoing investigation, the Company will provide you with notice of suspension or termination and the reasons therefor.
• In cases of suspected fraud, market manipulation, AML/CTF concerns, sanctions breaches, or security incidents, the Company may act immediately without prior notice.
• Any in-flight transactions that have been cryptographically signed and broadcast to the Blockchain at the time of suspension will be processed in accordance with on-chain logic and cannot be recalled by the Company.
• PDA escrow positions existing at the time of termination remain governed exclusively by the relevant on-chain smart contract logic. The Company has no technical ability to release or recover assets held in PDA escrow.
• If you believe your access has been suspended or terminated in error, you may submit a formal challenge in writing to info@monolithlabs.uk within thirty (30) days of the suspension notice. The Company will review such challenges in good faith and respond within fifteen (15) business days.

Article 45E. Notices

Notices from the Company to you under this Codex shall be given by: (i) in-platform notification; (ii) email to the address associated with your account or wallet registration (where provided); or (iii) posting of an updated version of this Codex to the Platform’s website. Notices shall be deemed received: immediately upon in-platform display; within twenty-four (24) hours of email transmission (unless a delivery failure notification is received); or upon posting to the website, whichever is earliest. Notices from you to the Company must be sent in writing to info@monolithlabs.uk or to the registered address set out at the head of this Codex.

BOOK X: DISPUTE RESOLUTION & FINALITY

Article 46. LCIA Arbitration

Subject to Articles 50A and 50B below, any dispute, controversy, or claim arising out of or relating to this Codex, the Platform, or the Game API — including any question regarding its existence, validity, or termination — shall be referred to and finally resolved by binding arbitration under the Rules of the London Court of International Arbitration (LCIA), as those Rules are in force at the date of commencement of the arbitration. The seat of arbitration shall be London, England. The language of arbitration shall be English. The tribunal shall consist of a sole arbitrator, unless either party requests a three-member panel on grounds of complexity. Nothing in this Article prevents either party from seeking urgent interim injunctive or other equitable relief from the High Court of Justice of England and Wales where necessary to prevent irreparable harm pending the constitution of the arbitral tribunal.

Article 47. Security for Costs

In any arbitral proceedings commenced against the Company, the Company reserves the right to apply to the tribunal for a Security for Costs order requiring you to deposit a sum determined by the tribunal as reasonable security for the Company’s legal costs before the arbitration proceeds. The tribunal shall give particular weight to granting such an order where the claimant is resident outside England and Wales or where the claim appears, on its face, to be of low merit or brought for an improper purpose. The tribunal retains full discretion as to whether to grant any security for costs application in accordance with the LCIA Rules.

Article 48. Class Action and GLO Waiver

You irrevocably waive any right to participate in, commence, or join any class action, group action, collective arbitration, or Group Litigation Order (GLO) against the Company, to the fullest extent permitted by the laws of England and Wales. All claims against the Company must be brought strictly on an individual basis. This waiver does not apply where it is prohibited by mandatory applicable law.

Article 49. Time Limitation on Claims

Without prejudice to any shorter limitation period that may apply under applicable law, you agree that any claim or cause of action arising out of or related to your use of the Platform or this Codex must be formally commenced within six (6) months of the date on which you knew or ought reasonably to have known of the facts giving rise to the claim. Any claim not commenced within this period shall be permanently time-barred. Nothing in this Article operates to shorten any limitation period that cannot lawfully be contracted out of under mandatory consumer protection law applicable to you, including the Limitation Act 1980.

Article 50. Indemnification of the Company

You agree to fully indemnify, defend, and hold harmless MONOLITH LABS LTD, its directors, officers, employees, contractors, and legal representatives on a full indemnity basis against any and all claims, demands, damages, losses, liabilities, costs, and expenses — including reasonable barristers’ fees and court costs — arising out of or in connection with: (i) your use of or access to the Platform or the Game API; (ii) your violation of any provision of this Codex; (iii) your misrepresentation of your jurisdiction of residence; (iv) any content you have minted, uploaded, or listed on the Platform; or (v) your violation of any applicable law or the rights of any third party.

Article 50A. Consumer Rights Preservation

Nothing in this Book X is intended to, or shall operate to, exclude or restrict any rights you may have under mandatory applicable consumer protection law — including the Consumer Rights Act 2015 — to bring proceedings before a competent court or regulatory authority in your jurisdiction of residence. Where such rights exist and cannot lawfully be excluded or limited by contract, they are expressly preserved. This carve-out applies solely to the extent required by mandatory law and does not constitute a general submission to any court jurisdiction beyond England and Wales.

Article 50B. Statutory Rights (Death, Personal Injury, Fraud)

Nothing in this Codex excludes or limits the Company’s liability for: (i) death or personal injury caused by the Company’s negligence; (ii) fraud or fraudulent misrepresentation; or (iii) any other liability that cannot lawfully be excluded or limited under the Unfair Contract Terms Act 1977, the Consumer Rights Act 2015, or any other applicable mandatory law.