# Terms of Service These Terms of Service (“Terms”) constitute a legally binding agreement between **SIVAX** (“SIVAX,” “Company,” “we,” “us,” or “our”) and the person or entity accessing or using our website, applications, platform, interfaces, and related services (collectively, the “Services”). The Services are designed to provide access to SIVAX’s wallet-based, XRPL-related structured income and related product functionality. By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Services. ### 1. Eligibility By using the Services, you represent and warrant that: * you are at least the age of legal majority in your jurisdiction * you have the legal capacity to enter into a binding agreement * you are not located in, organized in, ordinarily resident in, or otherwise subject to any jurisdiction where access to or use of the Services would be prohibited by applicable law * you are not a person or entity subject to applicable sanctions, embargoes, blocked-person restrictions, or other legal prohibitions administered by Panama, the United States, the United Nations, or any other relevant authority * your access to and use of the Services complies with all applicable laws and regulations, including applicable anti-money laundering, sanctions, consumer protection, tax, and data protection laws SIVAX may restrict, suspend, or refuse access to the Services where required for legal, compliance, security, or risk-management reasons. Panama’s data protection and AML frameworks include Law 81 of 2019 and Law 23 of 2015. ### 2. Nature of the Services SIVAX is presented in its current product materials as a **structured income platform on XRPL**, with wallet-based access, deposit and withdrawal flows, and structured product functionality rather than a generic custodial investment service. The Services may include, without limitation: * website and application interfaces * wallet connection functionality * product information, dashboards, notifications, and reporting tools * access to deposit, withdrawal, subscription, redemption, settlement, or lifecycle-related functionality * integrations, APIs, and related digital tools made available by SIVAX The Services may evolve over time, and not all features may be available in all jurisdictions or to all users. ### 3. Non-Custodial Access; Wallet Responsibility Certain Services require you to use a third-party wallet. SIVAX’s current user documentation describes the platform as operating through external wallet connection, including user-confirmed wallet actions. You acknowledge and agree that: * SIVAX does not hold, store, or control your private keys, seed phrases, or wallet credentials * you are solely responsible for the security of your wallet, devices, credentials, and transaction approvals * blockchain transactions may be irreversible * SIVAX cannot recover digital assets, private keys, or transactions lost due to user error, wallet compromise, incorrect addresses, protocol conditions, or third-party failures ### 4. No Investment, Legal, or Tax Advice Information provided through the Services is for general informational purposes only and does not constitute investment advice, legal advice, tax advice, accounting advice, or a recommendation to enter into any transaction. You are solely responsible for evaluating the suitability, legality, and risks of any transaction, product, or strategy. SIVAX’s existing risk disclosure language already states that no financial outcomes are guaranteed and that users should not rely solely on platform statements when deciding whether to use the Services. ### 5. Risk Disclosure By using the Services, you acknowledge and accept significant risks associated with blockchain-based products and digital assets, including: * price volatility and market risk * liquidity risk * smart contract, protocol, or oracle failure * wallet or key compromise * network congestion, forks, or technical malfunctions * inaccurate, delayed, or unavailable third-party data * regulatory or legal uncertainty * the risk of partial or total loss Where the Services involve structured income, note-like, vault-based, or other defined-outcome product flows, you acknowledge that such products may involve product-specific conditions, payout rules, timing constraints, eligibility requirements, or redemption mechanics. SIVAX materials describe product flows involving subscription, payout, redemption, monitoring, and lifecycle events. Nothing in the Services guarantees yield, returns, principal preservation, profitability, or availability. ### 6. Third-Party Services and Dependencies The Services may rely on or interoperate with third-party services, including wallets, blockchain networks, custodians, exchanges, bridges, analytics providers, communications providers, and data or infrastructure vendors. SIVAX does not own or control such third-party services and is not responsible for their availability, performance, security, legality, or policies. Your use of third-party services is governed by their separate terms and policies. ### 7. User Responsibilities and Prohibited Conduct You agree that you will not, directly or indirectly: * violate any applicable law, regulation, sanctions regime, or court order * use the Services for fraud, market abuse, money laundering, terrorist financing, sanctions evasion, or other unlawful activity * interfere with, disrupt, attack, overload, or compromise the integrity or security of the Services or related systems * attempt unauthorized access to accounts, wallets, networks, APIs, or infrastructure * upload or distribute malicious code, malware, spyware, or harmful material * misrepresent your identity, eligibility, jurisdiction, or authority * infringe any intellectual property, privacy, publicity, or contractual rights * use the Services in a manner that could expose SIVAX, its users, or counterparties to legal, regulatory, reputational, or security risk You are also solely responsible for determining and paying any taxes arising from your use of the Services. ### 8. Compliance, Monitoring, and Restrictions SIVAX may implement compliance, security, and operational controls, including wallet screening, sanctions checks, geofencing, transaction monitoring, account restrictions, or access limitations where appropriate. SIVAX’s product and roadmap materials explicitly refer to compliant distribution paths, permissioned issuance, KYC-enabled or whitelisted distribution, and audit-ready reporting. Accordingly, SIVAX may, in its sole discretion and to the extent permitted by law: * monitor use of the Services * request information reasonably necessary for compliance review * deny, suspend, restrict, or terminate access * report relevant activity to authorities or counterparties where legally required ### 9. Intellectual Property Unless otherwise stated, the Services, including their software, design, text, graphics, trademarks, logos, branding, interfaces, and related content, are owned by SIVAX or its licensors and are protected by applicable intellectual property laws. Subject to your compliance with these Terms, SIVAX grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Services for their intended purpose. You may not copy, modify, distribute, sell, lease, reverse engineer, decompile, scrape, mirror, or otherwise exploit the Services except as expressly permitted by law or by SIVAX in writing. ### 10. No Warranty TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. SIVAX DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, OR THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. ### 11. Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SIVAX AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, DIGITAL ASSETS, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SERVICES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF SIVAX FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED UNITED STATES DOLLARS (USD $100). Some jurisdictions do not permit certain liability exclusions or limitations, so some of the above may not apply to you. ### 12. Indemnification You agree to defend, indemnify, and hold harmless SIVAX and its affiliates, officers, directors, employees, contractors, agents, licensors, and service providers from and against any claims, liabilities, damages, losses, judgments, costs, and expenses, including reasonable legal fees, arising out of or related to: * your breach of these Terms * your misuse of the Services * your violation of applicable law or third-party rights * your fraud, negligence, misconduct, or unauthorized use of wallets, credentials, or blockchain infrastructure ### 13. Modifications to the Services or Terms SIVAX may modify, suspend, discontinue, or update any part of the Services at any time, with or without notice, subject to applicable law. We may also revise these Terms from time to time. When we do, we will update the “Last Modified” date above. Your continued use of the Services after revised Terms become effective constitutes your acceptance of the updated Terms, to the extent permitted by law. ### 14. Suspension and Termination SIVAX may suspend or terminate your access to the Services at any time, temporarily or permanently, if: * we believe you have violated these Terms * we are required to do so for legal or regulatory reasons * your use presents fraud, sanctions, AML, security, reputational, or operational risk * providing the Services is no longer commercially or technically feasible Termination or suspension does not limit any rights or remedies available to SIVAX under law or equity. ### 15. Governing Law and Dispute Resolution These Terms and any non-contractual obligations arising out of or in connection with them shall be governed by the laws of the Republic of Panama, without regard to conflict-of-law principles. Any dispute, controversy, or claim arising out of or relating to these Terms or the Services shall be resolved by arbitration in Panama City, Panama, administered by the **Center for Conciliation and Arbitration of Panama (CeCAP)** in accordance with its applicable rules. CeCAP publicly states that arbitration proceedings are governed by its arbitration regulation and Panama’s arbitration law framework, including Law 131 of 2013. The language of the arbitration shall be English, unless otherwise required by applicable law or agreed by the parties. Judgment on the arbitral award may be entered in any court of competent jurisdiction. ### 16. Miscellaneous If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect. These Terms constitute the entire agreement between you and SIVAX regarding the Services, except where additional terms expressly apply. No waiver of any provision shall be deemed a further or continuing waiver of that provision or any other provision. Nothing in these Terms creates any partnership, joint venture, agency, fiduciary, or employment relationship between you and SIVAX. ### 17. Contact Us If you have any questions about these Terms or the Services, please contact: [**sivax@sivax.io**](mailto:sivax@sivax.io) --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. 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