Effective Date: March 27, 2022

Hello and welcome to BNFTS! Thank you for signing up to use the Services. Please read these End User Terms of Use ("Terms" or "Terms of Use") carefully before using the www.bnfts.app website, and the BNFTS mobile application (together, or individually, the "Services") operated by Bnfts, Inc. ("BNFTS", "us", "we", and "our"). For purposes of these Terms, “you” and “your” means you as the user of the Service. Some specific definitions for capitalized terms are set out in Exhibit A of these Terms.

You acknowledge that these Terms, along with our Privacy Policy, govern your access and use of the Services. By accessing or using the Services you agree to be bound by these Terms. If you disagree with any part of these Terms, then you do not have permission to access the Services.

Table of Contents

1. Changes to these Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Services.

2. Service Terms

Your Relationship to Subscriber. Your access and use of the Services is conditioned upon the Subscriber’s granting you such access and use rights under their subscription to the Services and such Subscriber’s compliance with its agreements with us, including payment obligations. You acknowledge and agree that upon termination of the applicable Subscriber’s rights to use the Services, your use of the Services will automatically terminate. You hereby grant such Subscriber and its Administrator(s) permission to access, use, download, export, disclose, share, restrict and/or remove your User Content. You acknowledge and agree that Subscriber and its Administrator(s) may restrict or terminate your access to or use of all or part of the Services.

Third-Party Services & Partners. The Services may contain links to, integrate with, or provide the ability for you to access third-party services (for example, financial data providers). Your use of or reliance on any third-party services are at your own risk. We are not responsible for and we do not make any promises, endorsements, representations or warranties regarding such third-party services. We may stop making any third-party services available at any time with or without advance notice to you.

Compliance with Law. You will comply with applicable laws and regulations in connection with your use of the Services.

3. Rights & Restrictions

Your Account. You must register for a BNFTS account in order to use the Services. In registering for or opening an account, you agree to provide accurate and complete registration information and to keep such information up to date. You will take reasonable steps to prevent unauthorized use of your account and to keep your password(s) secure and confidential, even if you are an Administrator(s). We encourage you to use “strong” passwords with your account (for example, passwords that use a combination of upper and lowercase letters, numbers and symbols, with a minimum of eight characters). BNFTS will not be liable for any losses caused by any unauthorized use of your account. You must notify us immediately of any breach of security or unauthorized use of your account.

Your Responsibility. You are responsible for all activities that occur under your account.

Your Rights. Subject to your full and ongoing compliance with these Terms and the Subscriber’s full and ongoing compliance with applicable agreements and obligations, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable right, during the applicable Subscriber’s subscription term to access and use the Services.

Your Restrictions. The User rights granted are limited and subject to the restrictions outlined below. You will not (and will not permit any third party) to: