# Terms of Service

Effective Date: 05 September 2025

### 1. Welcome to OWNAI

[www.ownai.world](http://www.ownai.world) is operated by OWNAI LAB Inc. (“OWNAI”), a company incorporated under the laws of the Republic of Panama, together with its affiliates (collectively, “we,” “us,” or “our”). OWNAI is committed to building innovative technology and services that expand access to income-generating AI automated assets through a secure and transparent platform.

ARBITRATION NOTICE: THESE TERMS (“Terms”) CONTAIN AN ARBITRATION CLAUSE BELOW. EXCEPT FOR CERTAIN TYPES OF DISPUTES SPECIFICALLY MENTIONED IN THAT CLAUSE, YOU AND WE AGREE THAT ANY DISPUTES RELATING TO THE SERVICES (AS DEFINED BELOW) WILL BE RESOLVED THROUGH BINDING ARBITRATION. YOU WAIVE ANY RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS-ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. THESE TERMS FORM A LEGALLY BINDING AGREEMENT BETWEEN YOU AND OWNAI.

By accessing or using our services, which include our websites (including, without limitation, ownai.world and its subdomains), applications, platforms, and all related features, interfaces, or content (collectively, the “Services”), you agree to be bound by these Terms, together with the OWNAI Privacy Policy and any additional policies referenced herein (collectively, the “Agreement”). If you do not agree to these Terms, you must not use our Services.

To the extent there is a conflict between these Terms and any applicable supplemental terms, these Terms will control unless expressly stated otherwise. If you do not agree with these Terms, you must not use the Services and should not visit the Site or otherwise engage with the Services.

### 2. Use of the Services

#### 2.1 The Services

The Site provides access to information about OWNAI and, subject to eligibility requirements and the successful completion of OWNAI’s onboarding and verification process, certain products and tools made available by OWNAI (collectively, the “Services”).

#### 2.2 Conditions

As a condition to accessing or using the Services or the Site, you represent and warrant to OWNAI that:

2.2.1 If you are entering into these Terms as an individual, you are of legal age in your jurisdiction of residence and you have the legal capacity to enter into these Terms and be bound by them. If you are entering into these Terms on behalf of an entity, you have the legal authority to bind that entity to these Terms, and “you” will refer to that entity.

2.2.2 You are not a citizen, resident, or agent of the United States, the United Kingdom, any member state of the European Union, Switzerland, or any other jurisdiction in which access to the Services is prohibited by law, nor are you located in any country subject to international sanctions, including those administered by the United Nations, OFAC, or other relevant authorities (collectively, “Restricted Territories”).

2.2.3 You are not listed on any sanctions or watch list maintained by the United States, the United Kingdom, the European Union, the United Nations, or any other applicable government authority, and you do not intend to transact with any restricted or sanctioned person.

2.2.4 You will not use VPNs, anonymization tools, or other methods to conceal your location or identity in order to circumvent these restrictions.

2.2.5 Your access to and use of the Services is lawful under all applicable laws, rules, and regulations that apply to you, and your use of the Services does not contribute to or facilitate any illegal activity.

#### 2.3 Acknowledgments

As a condition to accessing or using the Services or the Site, you acknowledge, understand, and agree that:

2.3.1 The Site and the Services may be unavailable from time to time for reasons beyond OWNAI’s control, including equipment malfunctions, scheduled maintenance, disruptions in blockchain infrastructure, or unavailability of third-party providers.

2.3.2 OWNAI reserves the right to restrict, disable, or modify your access to the Services at any time if we reasonably believe that any of your representations or warranties are inaccurate, or if you are in breach of these Terms. OWNAI will not be liable for any losses arising from such restrictions or from unavailability of the Services.

2.3.3 The Services may evolve over time. OWNAI may modify, suspend, or discontinue any part of the Services at its discretion.

2.3.4 Information provided on the Site, including any pricing, yield estimates, or market data, is for informational purposes only and does not constitute an offer, solicitation, or recommendation.

2.3.5 OWNAI does not act as your agent, broker, or advisor, and no fiduciary relationship exists between you and OWNAI.

2.3.6 You are solely responsible for your use of the Services, including any transfers of assets, custody of assets, or participation in product offerings.

2.3.7 To the maximum extent permitted by law, OWNAI does not owe fiduciary duties to you or any other party, and you expressly disclaim and waive any such duties.

2.3.8 You are solely responsible for reporting and paying any taxes, duties, or assessments applicable to your use of the Services under the laws of your jurisdiction.

2.3.9 OWNAI has no control over or responsibility for any third-party assets, wallets, or service providers you may use in connection with the Services, and OWNAI bears no liability for their actions or omissions.

#### 2.4 Covenants

As a condition to accessing or using the Services or the Site, you covenant to OWNAI that:

2.4.1 You will only use assets that are legally obtained and belong to you.

2.4.2 You will comply with all applicable laws in connection with your use of the Services and will not use the Services if such use is prohibited under the laws of your country or any other applicable jurisdiction.

2.4.3 Any assets you use in connection with the Services are either owned by you or you are duly authorized to use them.

2.4.4 You will ensure that all information you provide in connection with your use of the Services is current, complete, and accurate, and you will maintain the security of your private keys, wallet credentials, and other account-related information.

By using the Services, you represent and warrant that you meet these requirements and that your access does not violate any laws or regulations applicable to you. If you do not meet the requirements, you must not access or use the Site or the Services.

### 3. Services

The following Service Terms apply in addition to the Terms above. These Service Terms are incorporated by reference and form part of the Terms. Any capitalized terms not defined in these Service Terms have the meanings set forth in the Terms. In the event of any conflict between the General Terms and the Service Terms, the Service Terms shall govern.

#### 3.1 Eligibility and KYC/AML Requirements

3.1.1 Access to the Services is strictly limited to users who have successfully completed OWNAI’s onboarding process, including Know-Your-Customer (KYC) and Anti-Money Laundering (AML) verification conducted through third-party service providers.

3.1.2 The Services are not available to:

(a) Citizens or residents of the United States, the United Kingdom, any member state of the European Union, Switzerland, or any jurisdiction in which access to the Services is unlawful;

(b) Persons or entities located in or affiliated with countries subject to international trade restrictions or sanctions administered by the United Nations, the U.S. Office of Foreign Assets Control (OFAC), the European Union, or other applicable authorities;

(c) Persons or entities listed on any applicable sanctions list; or

(d) Any “U.S. Person” as defined in Rule 902(k) of Regulation S under the United States Securities Act of 1933, as amended.

3.1.3 By accessing the Services, you represent and warrant that you are not a Restricted Person, that you have complied with all applicable eligibility requirements, and that your use of the Services does not violate any applicable law or regulation.

3.1.4 Any attempt to circumvent these restrictions, including by using VPNs, falsifying information, or engaging third-party intermediaries, is strictly prohibited. OWNAI reserves the right to revoke access to the Services, suspend accounts, or nullify any transactions in the event of violations.

#### 3.2 Wallet Connection and Third-Party Services

3.2.1 In order to access or use certain features of the Services, you may be required to connect a compatible digital wallet or otherwise interface with third-party services. OWNAI does not operate or control such third-party wallets or services and is not responsible for their performance, security, or availability.

3.2.2 By connecting a wallet or using third-party integrations, you grant OWNAI and applicable service providers the right to interact with your wallet and related information as necessary to enable the functionality of the Services.

3.2.3 YOU ACKNOWLEDGE THAT YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING CONTROL AND SECURITY OVER YOUR WALLETS, PRIVATE KEYS, SEED PHRASES, AND OTHER CREDENTIALS. OWNAI DOES NOT HAVE ACCESS TO SUCH INFORMATION AND CANNOT RECOVER LOST KEYS OR REVERSE TRANSACTIONS.

#### 3.3 Service Fees

3.3.1 Certain transactions or interactions with the Services may require the payment of network fees (for example, blockchain “gas fees”) or other applicable service fees. Such fees are your sole responsibility and are not refundable.

3.3.2 OWNAI does not guarantee the accuracy of any fee estimate provided and actual fees may differ from estimates at the time of execution.

#### 3.4 Disclaimers Specific to the Services

3.4.1 Without limiting Section 13 (Disclaimers) and Section 14 (Limitation of Liability), OWNAI expressly disclaims any liability for:

(a) User error, including forgotten passwords, lost private keys, incorrectly constructed transactions, or other operational mistakes;

(b) Server failures, data loss, corrupted files, or software malfunctions;

(c) Unauthorized access, hacks, viruses, phishing, brute-forcing, or other third-party attacks against wallets or the Services;

(d) Any changes in law, regulation, or government policy that impact the legality or availability of the Services; or

(e) Any loss of value or market price of $OAN tokens or any other digital assets associated with the Services.

3.4.2 YOU EXPRESSLY RELIEVE OWNAI FROM ANY AND ALL LIABILITY ARISING FROM NONCOMPLIANCE WITH ELIGIBILITY REQUIREMENTS, KYC/AML OBLIGATIONS, OR RESTRICTED JURISDICTION RESTRICTIONS.

#### 3.5 Payments, Rewards, and Risks.&#x20;

You acknowledge and agree that OWNAI may, in its sole and absolute discretion, determine, modify, or discontinue the payment methods available for participation in the Services, including without limitation payments in supported digital assets, stablecoins, or through supported fiat payment methods (for example, card payments). All payments and transfers are final and non-refundable unless otherwise required by Applicable Law. Any rewards, yields, or distributions made available through the Services will be calculated and provided, if at all, net of all operational, administrative, management, insurance, maintenance, regulatory, or other fees, costs, or expenses as determined by OWNAI in its sole discretion, and may be withheld, adjusted, delayed, or modified in accordance with procedures or policies established by OWNAI from time to time. You further acknowledge that participation in the Services may involve significant risks, including but not limited to: the potential partial or total loss of funds; fluctuations in the value of digital assets or fiat currency; operational or business expenses; smart contract or technical failures; cybersecurity threats; interruptions in service; legal, regulatory, or policy changes; adverse market conditions; or other unforeseen events or circumstances beyond OWNAI’s control. OWNAI disclaims any and all liability for such losses, delays, or interruptions, whether direct, indirect, incidental, consequential, or otherwise, to the maximum extent permitted by Applicable Law. Your sole remedies are those expressly provided under these Terms. Additional or product-specific terms, conditions, and risk disclosures may apply to certain offerings, product lines, or Services. Such additional terms will supplement these Terms and, in the event of a conflict, will control with respect to the applicable product or Service. OWNAI reserves the right to amend, suspend, or terminate any product or Service at any time without notice or liability.

### 4. Fees and Price Estimates

In connection with your use of the Services, you are responsible for paying all applicable fees, including but not limited to blockchain network fees (commonly known as “gas fees”), transaction costs, and any other charges reflected on the Site at the time of your use of the Services. While OWNAI may provide estimates of fees, such information is for reference only and may not reflect the actual fees incurred. Actual fees are determined by the applicable blockchain network and may vary from any estimates provided. All fees are final and non-refundable.

### 5. No Professional Advice or Fiduciary Duties

Unless expressly stated otherwise, all information provided in connection with your access to and use of the Site and the Services is for informational purposes only. Such information should not be interpreted as legal, financial, tax, or investment advice. You should refrain from taking, or not take, any action based on information available through the Site, including but not limited to articles, blog posts, data, links to third-party content, community discussions, news feeds, tutorials, or other materials. Before making any financial, legal, or technical decisions involving the Services, you should consult independent professional advisors who are licensed and qualified in the relevant field. These Terms are not intended to, and do not, create or impose any fiduciary duties on OWNAI. To the maximum extent permitted by applicable law, you agree that the only duties and obligations OWNAI owes you are those expressly set out in these Terms, and all other duties or obligations are expressly disclaimed and waived.

### 6. Prohibited Activity

You may not use the Services to engage in the categories of activity set forth below (“Prohibited Uses”). The activities described below are representative but not exhaustive. If you are unsure whether your use of the Services constitutes a Prohibited Use, you should discontinue use and contact us at <support@ownai.world> for clarification. By accessing or using the Services, you confirm that you will not use the Site or Services to do any of the following:

#### 6.1 Violation of Laws

Use the Services in violation of any applicable law or regulation, including but not limited to Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), anti-corruption, anti-bribery, tax compliance, financial crime prevention, or economic sanctions laws under the laws of Panama or any other applicable jurisdiction

#### 6.2 Intellectual Property Infringement

Engage in transactions or activities that infringe or violate any intellectual property rights, proprietary rights, or rights of publicity or privacy under applicable law. This includes but is not limited to copying, distributing, or using without authorization any copyrighted materials, trademarks, service marks, logos, trade dress, branding, domain names, patents, trade secrets, source code, design, data, or other proprietary content belonging to OWNAI or any third party. You may not use OWNAI’s name, logo, trademarks, or branding, or any intellectual property associated with the Services, without OWNAI’s prior written consent, nor may you imply any false affiliation, sponsorship, or endorsement by OWNAI.

#### 6.3 Harmful or Disruptive Conduct

Use the Services in any way that could interfere with, disrupt, or negatively affect the functioning of the Services or prevent other users from fully enjoying them. This includes attempts to introduce malicious code (such as malware, viruses, worms, or Trojan horses) or attempts to gain unauthorized access to the Services, systems, or networks.

#### 6.4 Market Misconduct

Engage in market manipulation or other misconduct that undermines the integrity of digital asset markets, including spoofing, wash trading, or similar abusive practices.

#### 6.5 Circumvention of Controls

Attempt to bypass or disable any access controls, content filters, or security measures implemented by OWNAI, including through the use of VPNs or anonymization tools intended to circumvent jurisdictional restrictions.

#### 6.6 Fraud and Misrepresentation

Provide false, inaccurate, or misleading information to OWNAI, other users, or third parties, or engage in activity intended to defraud, mislead, or manipulate.

#### 6.7 Criminal Proceeds

Use or access the Services to transmit, store, or exchange assets that are the proceeds of criminal or fraudulent activity, including terrorism financing, narcotics trafficking, tax evasion, corruption, or other illicit conduct.

#### 6.8 Abusive or Objectionable Content

Use the Services to transmit or publish content that is unlawful, defamatory, obscene, harassing, threatening, discriminatory, or otherwise objectionable. You may not use the Services to incite violence, promote hate speech, or encourage criminal behavior.

#### 6.9 Restricted Territories and Sanctions Lists

Access or use the Services if you are located in, incorporated in, or a resident of a Restricted Territory, or if you are a person or entity subject to sanctions. This includes persons identified on any sanctions list administered by the United Nations, the United States (including OFAC), the European Union, the United Kingdom, or any other relevant authority, as well as jurisdictions designated as high-risk or sanctioned under Panama’s obligations as a member of the Financial Action Task Force (FATF).

#### 6.10 Exploits and Attacks

Engage in hacking, denial-of-service attacks, exploits of smart contracts or system vulnerabilities, or any other conduct that compromises the integrity, availability, or security of the Services or related systems.

#### 6.11 Unauthorized Commercial Use

Exploit the Services for any unauthorized commercial purpose, including reselling access or data, or otherwise using the Services in a manner not expressly permitted under these Terms.

#### 6.12 Encouraging Prohibited Activity

Encourage, facilitate, or assist any third party in engaging in any Prohibited Use.

### 7. Content

By submitting, posting, or making available any content through the Services, you hereby grant to OWNAI a royalty-free, fully paid-up, sublicensable, transferable, perpetual, irrevocable, non-exclusive, worldwide license to use, copy, modify, create derivative works of, display, perform, publish, and distribute such content (“Your Content”) in any form, medium, or manner, including, without limitation, for operating and improving the Services, for security and compliance purposes, and for promoting OWNAI, its affiliates, and the Services.

You represent and warrant that:

(a) you own Your Content or have all necessary rights to grant the license described above; and

(b) Your Content and OWNAI’s use of Your Content as licensed hereunder does not and will not infringe, misappropriate, or violate any third-party rights, including intellectual property rights, proprietary rights, or rights of privacy or publicity.

### 8. Proprietary Rights

All names, logos, trade dress, service marks, and other brand identifiers used on the Site or in connection with the Services are the exclusive property of OWNAI, its affiliates, or its licensors. You may not copy, imitate, or use them without the prior written consent of OWNAI or the applicable rights holder. The Services, including but not limited to software, source code, databases, data, content, text, graphics, user interfaces, designs, trade secrets, and other materials, are owned by or licensed to OWNAI and are protected under applicable intellectual property and proprietary rights laws. These Terms do not grant you any ownership rights or licenses in the Services except the limited right to access and use them as expressly permitted herein. You may not remove, obscure, or alter any copyright, trademark, or other legal notices displayed in or with the Services.

### 9.Third-Party Services

The Services may allow you to access, link to, or interact with websites, applications, content, products, or services provided by third parties, including but not limited to crypto wallet providers, blockchain networks, analytics tools, cloud platforms, or other external resources that are not owned, operated, or controlled by OWNAI (collectively, “Third-Party Services”). Certain functionality of the Services may require you to register for, connect to, or otherwise use such Third-Party Services. You acknowledge and agree that OWNAI has no control over the availability, accuracy, legality, or functionality of Third-Party Services and does not endorse, warrant, or assume responsibility for any content, goods, services, or other materials made available through them. You further acknowledge and agree that OWNAI will not be responsible or liable, directly or indirectly, for any damage, loss, liability, or claim arising out of or in connection with your access to, use of, or reliance on any Third-Party Services, including but not limited to any transaction, data exchange, or communication conducted through such services. Your access to and use of any Third-Party Service is governed solely by the terms, conditions, and policies of the applicable third party. By choosing to use or interact with a Third-Party Service, you do so at your own risk. These Terms do not apply to your use of Third-Party Services, and you expressly release and hold OWNAI harmless from any and all liability arising from such use.

### 10. Assumption of Risks

#### 10.1 Blockchain and Private Keys

By using the Services or interacting with the Site, you represent and warrant that you understand the inherent risks associated with cryptographic systems, blockchain networks, and digital assets, including the usage and intricacies of native assets such as BNB or other blockchain-based tokens and protocols. OWNAI does not own or control any of the underlying software or networks on which digital assets operate. Such software is generally open source, and anyone may use, copy, modify, or distribute it.

You acknowledge and agree that:

(a) OWNAI is not responsible for the operation or security of the software and networks underlying the Services,

(b) there is no guarantee of the functionality, security, or continued availability of such networks, and

(c) blockchain networks are subject to sudden changes in operating rules (including forks) that may materially affect the Services.

You are solely responsible for securing your private keys, seed phrases, and credentials. OWNAI does not have access to them and cannot recover them. If you lose them, you will permanently lose access to your digital assets.

#### 10.2 Regulatory Risks

Your use of the Services and digital assets may be impacted by regulatory inquiries, enforcement actions, or changes in law in one or more jurisdictions, including Panama. Such events could impede or limit OWNAI’s ability to make the Services available and could restrict your ability to access or use the Services.

#### 10.3 Technological Risks

Cryptography is an evolving field. Advances in code-breaking, quantum computing, or other unforeseen technologies may present risks to digital assets and the Services, potentially resulting in theft or loss. OWNAI may update its software to address such risks but cannot guarantee complete protection.

#### 10.4 Network Development Risks

Blockchain networks, including those supported by OWNAI, remain under development and may involve security flaws, functional limitations, or unexpected behaviors. Transaction costs on these networks may be variable and increase without warning, affecting your use of the Services.

#### 10.5 Service Flaws

You acknowledge that the Services may contain defects or flaws and that you are solely responsible for evaluating the information and code provided. OWNAI has no ongoing obligation to alert you to all potential risks.

#### 10.6 Accuracy of Information

Although OWNAI intends to provide accurate and timely information, the Site or Services may contain errors, inaccuracies, or outdated information. Information, including policies and pricing, may change at any time without notice. You are solely responsible for verifying information before relying on it, and OWNAI makes no warranties regarding accuracy or completeness.

#### 10.7 Knowledge Requirement

Your use of the Services requires a sufficient understanding of cryptography, blockchain technology, and computer science. You represent and warrant that you possess such knowledge. References to digital assets on the Site do not constitute approval or disapproval of those assets, and you are solely responsible for understanding the risks associated with each.

#### 10.8 Financial Risks

Digital assets and blockchain protocols are experimental, volatile, and risky. All blockchain transactions are generally irreversible and immutable. Once confirmed, they cannot be undone or reversed by OWNAI or any other party. All transactions in the Services are final and irreversible, and there are no refunds. You represent that you have sufficient knowledge, financial resources, and professional advice to evaluate the risks of transactions. You accept all consequences of using the Services, including the risk of total loss of your digital assets or permanent loss of access to them. All transaction decisions are made solely by you, and OWNAI accepts no responsibility or liability for them.

#### 10.9 Legal Compliance

OWNAI must comply with applicable laws and regulations, which may require OWNAI to disclose information to regulators or authorities or take other actions without prior notice to you, even if such actions are not in your best interest.

#### 10.10 Operational Risks

The Services may be subject to operational failures, such as downtime, delays, incorrect data display, or rollback of transactions due to errors. These risks may prevent transactions from being completed as intended.

#### 10.11 Assumption of Risks and Waiver

You assume all risks described in this Section 10. OWNAI disclaims all responsibility or liability for such risks. You irrevocably waive, release, and discharge any claims, whether known or unknown, against OWNAI, its affiliates, and their respective officers, directors, employees, agents, service providers, and contractors arising out of or related to these risks.

### 11. Modification of Services and Termination

We may update the Services, the Agreement, and any part of these Terms at any time, for any reason, at our sole discretion. Once any update becomes effective, your continued use of the Services, including access to the Site, constitutes your acceptance of the revised Terms. We may, without prior notice and without liability to you, modify, suspend, restrict, or discontinue all or part of the Services, including access through third-party links or integrations, or terminate your access to the Services entirely. Upon termination, your right to use the Services will immediately cease. We will not be responsible or liable for any losses, damages, or claims resulting from any modification, suspension, or termination of the Services or your access to them. Certain provisions of these Terms will continue to apply even after termination of your access to the Services, including but not limited to Sections 8 through 16, and any other provisions which by law or their nature should survive termination. If you contact us regarding your use of the Services, including through email or our official communication channels, you consent to receive communications from us electronically. You are responsible for reviewing these Terms periodically to ensure you understand the conditions that apply to your access and use of the Services.

### 12. Indemnification

You agree to defend, indemnify, and hold harmless OWNAI LAB Inc., its affiliates, and their respective shareholders, members, directors, officers, managers, employees, attorneys, agents, representatives, suppliers, and contractors (collectively, the “Indemnified Parties”) from and against any and all claims, demands, actions, proceedings, investigations, liabilities, damages, losses, costs, or expenses (including, without limitation, reasonable attorneys’ fees and court costs) arising out of or relating to:

(a) your access to or use of the Site or the Services;

(b) any digital assets associated with your blockchain address or wallet;

(c) any content, feedback, or materials you submit to OWNAI in connection with the Site or the Services;

(d) your violation of these Terms or any applicable law or regulation; or

(e) your infringement, misappropriation, or violation of the rights of any person or entity, including intellectual property rights, proprietary rights, or rights of privacy.

If you are obligated to indemnify any Indemnified Party, OWNAI (or, at its discretion, the applicable Indemnified Party) will have the right, at its sole discretion, to control the defense of any claim or action, including the right to determine whether to settle and on what terms. You agree to cooperate fully with OWNAI in the defense of any such matter.

### 13. Disclosures; Disclaimers

OWNAI IS A DEVELOPER AND PROVIDER OF TECHNOLOGY SOLUTIONS. OWNAI DOES NOT OPERATE A DIGITAL ASSET OR DERIVATIVES EXCHANGE, DOES NOT PROVIDE TRADE EXECUTION OR CLEARING SERVICES, AND DOES NOT ACT AS A BROKER, DEALER, INVESTMENT ADVISER, OR FINANCIAL INSTITUTION. OWNAI HAS NO OVERSIGHT, INVOLVEMENT, OR CONTROL CONCERNING PEER-TO-PEER TRANSACTIONS THAT MAY OCCUR BETWEEN USERS OF THE SERVICES. ANY SECONDARY TRANSACTIONS BETWEEN USERS ARE EXECUTED DIRECTLY, PEER-TO-PEER, THROUGH APPLICABLE BLOCKCHAIN ADDRESSES AND SUPPORTED SMART CONTRACTS.

YOU ARE SOLELY RESPONSIBLE FOR COMPLYING WITH ALL LAWS AND REGULATIONS APPLICABLE TO YOUR USE OF THE SERVICES, INCLUDING, WITHOUT LIMITATION, THE U.S. COMMODITY EXCHANGE ACT AND THE REGULATIONS PROMULGATED THEREUNDER BY THE U.S. COMMODITY FUTURES TRADING COMMISSION (CFTC), THE U.S. FEDERAL SECURITIES LAWS AND THE REGULATIONS PROMULGATED THEREUNDER BY THE U.S. SECURITIES AND EXCHANGE COMMISSION (SEC), AND ALL OTHER APPLICABLE DOMESTIC AND FOREIGN LAWS, INCLUDING THOSE OF THE REPUBLIC OF PANAMA AND JURISDICTIONS IN WHICH YOU RESIDE OR ACCESS THE SERVICES.

YOU ACKNOWLEDGE AND AGREE THAT OWNAI IS NOT REGISTERED OR LICENSED BY THE PANAMANIAN SUPERINTENDENCIA DEL MERCADO DE VALORES (SMV), THE U.S. CFTC, THE U.S. SEC, THE BVI FINANCIAL SERVICES COMMISSION, OR ANY OTHER FINANCIAL REGULATORY AUTHORITY IN ANY JURISDICTION. OWNAI DOES NOT OWN OR CONTROL THE UNDERLYING BLOCKCHAIN PROTOCOLS USED IN CONNECTION WITH THE SERVICES. IN GENERAL, BLOCKCHAIN PROTOCOLS ARE OPEN SOURCE AND ANYONE CAN USE, COPY, MODIFY, AND DISTRIBUTE THEM. OWNAI IS NOT RESPONSIBLE FOR THE OPERATION OF SUCH PROTOCOLS AND MAKES NO GUARANTEES AS TO THEIR FUNCTIONALITY, SECURITY, OR AVAILABILITY.

TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, THE SITE AND THE SERVICES (INCLUDING ALL CONTENT, DATA, AND FUNCTIONALITY) ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. OWNAI EXPRESSLY DISCLAIMS, AND YOU HEREBY WAIVE, ALL WARRANTIES, CONDITIONS, OR REPRESENTATIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, LEGAL, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AVAILABILITY, RELIABILITY, ACCURACY, NON-INFRINGEMENT, AND QUIET ENJOYMENT. OWNAI DOES NOT REPRESENT OR WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR THAT ANY DEFECTS WILL BE CORRECTED.

INFORMATION MADE AVAILABLE THROUGH THE SITE OR THE SERVICES IS PROVIDED FOR GENERAL INFORMATION PURPOSES ONLY AND SHOULD NOT BE RELIED UPON OR USED AS THE SOLE BASIS FOR MAKING DECISIONS. ANY RELIANCE ON SUCH INFORMATION IS AT YOUR OWN RISK.

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT OWNAI IS NOT RESPONSIBLE FOR USER ERRORS, INCLUDING WITHOUT LIMITATION FORGOTTEN PASSWORDS, LOST PRIVATE KEYS OR SEED PHRASES, INCORRECTLY CONSTRUCTED SMART CONTRACTS, OR OTHER ERRORS IN TRANSACTIONS THAT YOU INITIATE.

YOU ACKNOWLEDGE THAT DATA OR CONTENT MADE AVAILABLE THROUGH THE SITE MAY BECOME IRRETRIEVABLY LOST, CORRUPTED, OR TEMPORARILY UNAVAILABLE DUE TO CAUSES WITHIN OR OUTSIDE OF OWNAI’S CONTROL, INCLUDING BUT NOT LIMITED TO DENIAL-OF-SERVICE ATTACKS, SOFTWARE FAILURES, MALICIOUS CODE, PROTOCOL CHANGES BY THIRD PARTIES, INTERNET OUTAGES, FORCE MAJEURE EVENTS, DISASTERS, SCHEDULED OR UNSCHEDULED MAINTENANCE, OR OTHER INTERRUPTIONS. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, OWNAI WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM SUCH EVENTS.

THE DISCLAIMER OF IMPLIED WARRANTIES CONTAINED HEREIN MAY NOT APPLY TO YOU IF, AND ONLY TO THE EXTENT THAT, SUCH DISCLAIMERS ARE PROHIBITED OR RESTRICTED BY THE APPLICABLE LAW OF THE JURISDICTION IN WHICH YOU RESIDE.

### 14. Limitation of Liability

IN NO EVENT SHALL OWNAI LAB INC. (TOGETHER WITH ITS AFFILIATES, AND ITS AND THEIR RESPECTIVE SHAREHOLDERS, MEMBERS, DIRECTORS, MANAGERS, OFFICERS, EMPLOYEES, ATTORNEYS, AGENTS, REPRESENTATIVES, SUPPLIERS, OR CONTRACTORS) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, BUSINESS, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THE SITE OR THE SERVICES (INCLUDING THEIR CONTENT OR FUNCTIONALITY), ANY PERFORMANCE OR NON-PERFORMANCE OF THE SERVICES, YOUR DIGITAL ASSETS, OR ANY TOOL, PRODUCT, OR SERVICE MADE AVAILABLE BY OR ON BEHALF OF OWNAI, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, CIVIL LIABILITY, STATUTE, STRICT LIABILITY, OR ANY OTHER THEORY OF LIABILITY.&#x20;

WITHOUT LIMITING THE FOREGOING, OWNAI EXPRESSLY DISCLAIMS ANY LIABILITY FOR LOSSES OR DAMAGES ARISING FROM: (A) BLOCKCHAIN-RELATED RISKS, INCLUDING WITHOUT LIMITATION FORKS, REPLAY ATTACKS, SYBIL OR 51% ATTACKS, CONSENSUS FAILURES, GOVERNANCE DISPUTES, OR CHANGES IN CRYPTOGRAPHY OR CONSENSUS RULES; (B) ANY CHANGE IN THE VALUE OR MARKET PRICE OF ANY DIGITAL ASSET; (C) ANY CHANGE IN LAW, REGULATION, OR POLICY THAT IMPACTS THE SERVICES OR DIGITAL ASSETS; OR (D) ANY ERRORS, FAILURES, OR ACTIONS OF THIRD PARTIES, INCLUDING WALLETS, BLOCKCHAIN NETWORKS, OR SERVICE PROVIDERS.

IN NO EVENT SHALL OWNAI’S AGGREGATE LIABILITY (TOGETHER WITH ITS AFFILIATES AND REPRESENTATIVES) EXCEED THE LESSER OF: (A) FIFTY U.S. DOLLARS (US $50), OR (B) THE TOTAL AMOUNT OF FEES PAID BY YOU TO OWNAI UNDER THESE TERMS IN THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.&#x20;

UNDER NO CIRCUMSTANCES SHALL OWNAI OR ANY OF ITS AFFILIATES BE REQUIRED TO DELIVER TO YOU ANY DIGITAL ASSET AS DAMAGES, PROVIDE SPECIFIC PERFORMANCE, OR ANY OTHER EQUITABLE RELIEF. IF DAMAGES ARE CALCULATED IN CONNECTION WITH DIGITAL ASSETS, THE VALUE SHALL BE BASED ON THE LOWEST VALUE OF SUCH DIGITAL ASSET DURING THE PERIOD BETWEEN THE EVENT GIVING RISE TO THE CLAIM AND THE FINAL RESOLUTION OF SUCH CLAIM.

THE FOREGOING LIMITATIONS SHALL APPLY EXCEPT TO THE EXTENT OF A FINAL JUDICIAL DETERMINATION THAT DAMAGES RESULTED DIRECTLY FROM OWNAI’S GROSS NEGLIGENCE, FRAUD, WILLFUL MISCONDUCT, OR INTENTIONAL VIOLATION OF LAW.

### 15. Dispute Resolution & Arbitration

#### 15.1 Agreement to Arbitrate

PLEASE READ THIS SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS WITH OWNAI AND LIMITS HOW YOU CAN SEEK RELIEF FROM US.

This Section 15 (this “Arbitration Provision”) applies to and governs any dispute, controversy, or claim between you and OWNAI that arises out of or relates to, directly or indirectly:

(a) these Terms, including the formation, existence, breach, termination, enforcement, interpretation, validity, and enforceability thereof;

(b) your access to or use of the Site or the Services;

(c) any transactions made through, by, or in connection with the Site or the Services; or

(d) any other aspect of your relationship or transactions with OWNAI, directly or indirectly, as a visitor to or user of the Site or the Services (each, a “Claim,” and collectively, “Claims”).

This Arbitration Provision applies, without limitation, to all Claims that arose or were asserted before or after your consent to these Terms. You and OWNAI agree that any dispute arising out of or relating to these Terms, the Site, or the Services is personal to you and OWNAI, and that any such dispute will be resolved solely through individual action, and will not be brought as a class arbitration, class action, or any other type of representative proceeding.

Except as otherwise set forth in these Terms, arbitration shall be conducted under the Singapore International Arbitration Centre (SIAC) Rules, as in effect at the time the arbitration is initiated (the “Rules”). In the event of a conflict between the Rules and this Arbitration Provision, this Arbitration Provision shall control. The seat of arbitration shall be Singapore and the language of arbitration shall be English.

#### 15.2 Right to Opt Out

You have the right to opt out of this Arbitration Provision by sending written notice of your decision to opt out to <support@ownai.world> within thirty (30) days after you first accept these Terms. Your notice must include your full legal name, address, and a clear statement of your intention to opt out.

Opting out of this Arbitration Provision does not affect:

(a) the binding nature of any other part of these Terms, including provisions regarding governing law or jurisdiction; or

(b) any other arbitration agreements you may have with OWNAI.

#### 15.3 Dispute Resolution Process

For any Claim, you agree to first contact us at <support@ownai.world> and attempt to resolve the Claim informally. If a Claim is not resolved within sixty (60) days of your initial notice, either you or OWNAI may initiate arbitration under SIAC Rules. The arbitration shall be conducted by a single arbitrator appointed in accordance with the Rules. The arbitrator shall have exclusive authority to resolve all disputes regarding the interpretation, applicability, enforceability, or formation of this Arbitration Provision. The arbitrator’s award of damages must be consistent with the limitations of liability set forth in Section 13 of these Terms, including any caps on damages and exclusions of certain types of damages. Judgment upon the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Each party shall bear its own attorneys’ fees and costs, and the arbitrator shall not apply any rule that requires reimbursement of attorneys’ fees or costs to the prevailing party. In the event of a conflict between the Rules and this Arbitration Provision, this Arbitration Provision shall control. Each party irrevocably and unconditionally waives any objection to the seat of arbitration in Singapore, to the language of the arbitration, or to the enforcement of any arbitral award in any competent jurisdiction. All arbitration proceedings, including without limitation the existence of the arbitration, any submissions made, evidence presented, and the award rendered, shall be kept strictly confidential by both parties, except as may be required by law or for purposes of enforcement of an arbitral award.

#### 15.4 Class Action and Jury Trial Waiver

WITH RESPECT TO ALL PERSONS AND ENTITIES, REGARDLESS OF WHETHER THEY HAVE OBTAINED OR USED THE SITE OR SERVICES FOR PERSONAL, COMMERCIAL, OR OTHER PURPOSES, ALL CLAIMS MUST BE BROUGHT IN THE PARTIES’ INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THIS WAIVER APPLIES TO CLASS ARBITRATION, AND UNLESS OWNAI AGREES OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OR PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING. YOU AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND OWNAI ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR OTHER REPRESENTATIVE PROCEEDING OF ANY KIND.

#### 15.5 Equitable Relief

Nothing in this Arbitration Provision shall prevent OWNAI from seeking injunctive relief, specific performance, or other equitable remedies in any court of competent jurisdiction where necessary to prevent actual or threatened infringement, misappropriation, or violation of OWNAI’s intellectual property rights, confidential information, or data security. You may also assert claims in a small claims court if they qualify, provided that the matter remains in such court and proceeds only on an individual (non-class, non-collective, and non-representative) basis. To the maximum extent permitted by law, you agree that you will not seek any injunctive relief, provisional relief, or other equitable relief that may interfere with or prevent OWNAI’s Services, development, operations, or intellectual property.

#### 15.6 Severability

If any provision of this Section 15 is found to be unenforceable or unlawful:

(a) that provision shall be severed from these Terms;

(b) severance shall have no impact on the remainder of this Section 15; and

(c) any remaining Claims must proceed individually in arbitration.

To the extent that any Claims must therefore proceed on a class, consolidated, or representative basis, such Claims shall be litigated only in the courts of Singapore, and not in arbitration, and such litigation shall be stayed pending resolution of individual claims in arbitration. If any part of this Section 15 is found to prohibit an individual claim for public injunctive relief, then that provision will be unenforceable only to the extent necessary to allow such relief outside of arbitration, and the remainder of this Section 15 shall remain in force.

#### 15.7 Changes

If you reject any changes to these Terms, you agree that any dispute between you and OWNAI shall be governed by this Arbitration Provision as in effect on the date you first accepted these Terms (or the date you accepted any subsequent modifications to this Arbitration Provision).

### 16. General Information

#### 16.1 Privacy Policy

Please refer to our Privacy Policy for information about how we collect, use, share, and otherwise process information about you.

#### 16.2 Consent to Electronic Delivery

You consent to receive all communications, agreements, documents, receipts, notices, and disclosures electronically (collectively, our "Communications") that we provide in connection with these Terms or any Services. You agree that we may provide our Communications to you by posting them on the Site or by emailing them to you at the email address you provide in connection with using the Services. You should maintain copies of our Communications by printing a paper copy or saving an electronic copy. You may also contact us with questions, complaints, or claims concerning the Services at <support@ownai.world>.

#### 16.3 Remedies&#x20;

Any right or remedy of OWNAI set forth in these Terms is in addition to, and not in lieu of, any other right or remedy whether described in these Terms, under Applicable Law, at law, or in equity. The failure or delay of OWNAI in exercising any right, power, or privilege under these Terms shall not operate as a waiver thereof.

#### 16.4 Severability

The invalidity or unenforceability of any of these Terms shall not affect the validity or enforceability of any other provision, all of which shall remain in full force and effect.

#### 16.5 Force Majeure

OWNAI will have no responsibility or liability for any failure or delay in performance of the Site or any of the Services, or any loss or damage that you may incur, due to any circumstance or event beyond our control, including without limitation any flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications or power failure, or equipment or software malfunction.

#### 16.6 Assignment

You may not assign or transfer any right to use the Site or the Services, or any of your rights or obligations under these Terms, without our express prior written consent, including by operation of law or in connection with any change of control. We may assign or transfer any or all of our rights or obligations under these Terms, in whole or in part, without notice or obtaining your consent or approval.

#### 16.7 Governing Law

The interpretation and enforcement of these Terms, and any dispute related to these Terms, the Site, or the Services, will be governed by and construed in accordance with the laws of the Republic of Panama, without regard to conflict of laws principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded. You agree that OWNAI may initiate a proceeding related to the enforcement or validity of its intellectual property rights or other proprietary rights, including any provisional relief required to prevent irreparable harm, in any court having jurisdiction. For any other proceeding that is not subject to arbitration under these Terms, the courts of Singapore shall have exclusive jurisdiction, and you waive any objection to venue in such courts.

#### 16.8 Headings

Headings of sections are for convenience only and shall not be used to limit or construe such sections.

#### 16.9 Entire Agreement

These Terms contain the entire agreement between you and OWNAI, and supersede all prior and contemporaneous understandings regarding the Site and the Services. For clarity, these Terms apply regardless of any separate agreements you may have entered into in connection with the acquisition or use of tokens or products made available by OWNAI, and such other agreements shall remain in full force and effect.

#### 16.10 Interpretation

In the event of any conflict between these Terms and any other agreement you may have with us, these Terms will control unless the other agreement specifically identifies these Terms and expressly declares that it supersedes them.

#### 16.11 No Third Parties

Except as otherwise expressly provided in these Terms, there shall be no third-party beneficiaries to these Terms other than the Indemnified Parties.

\\
