FBYT TERMS OF SERVICE AND RISK DISCLOSURE

YOU MUST READ THESE TERMS AND THE RISK DISCLOSURE CAREFULLY. THESE TERMS SET FORTH LEGALLY BINDING TERMS AND CONDITIONS GOVERNING YOUR ACCESS TO AND USE OF THE FBYT INTERFACE AND ANY RELATED SERVICES. BY ACCESSING OR USING THE INTERFACE OR PROTOCOL, YOU ACCEPT THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY YOU REPRESENT) AND YOU REPRESENT AND WARRANT THAT YOU HAVE THE RIGHT, AUTHORITY, AND LEGAL CAPACITY TO ENTER INTO THESE TERMS. IF YOU DO NOT AGREE TO ALL PROVISIONS OF THESE TERMS, DO NOT ACCESS OR USE THE INTERFACE OR PROTOCOL.

THE FBYT INTERFACE IS PROVIDED AS A SOFTWARE TOOL ONLY. FBYT DOES NOT PROVIDE MONEY MANAGEMENT SERVICES, INVESTMENT ADVICE, BROKERAGE SERVICES, CUSTODY, OR ANY FINANCIAL SERVICES. FBYT DOES NOT CUSTODY OR CONTROL USER FUNDS AND DOES NOT EXECUTE TRANSACTIONS ON BEHALF OF USERS. EVERY ACTION ON THE INTERFACE REQUIRES A TRANSACTION OR AUTHORISATION SIGNED WITH YOUR OWN WALLET, AND ASSETS DEPOSITED INTO A VAULT CAN BE WITHDRAWN ONLY BY THE WALLET THAT DEPOSITED THEM. AUTOMATED TRADING IS PROVIDED SEPARATELY BY ROCKWELL TECHNOLOGIES LTD. UNDER EXECUTION RIGHTS THAT YOU DELEGATE TO IT (SEE SECTION 14).

BLOCKCHAIN TRANSACTIONS ARE IRREVERSIBLE. DIGITAL ASSETS ARE HIGHLY VOLATILE. YOU MAY LOSE SOME OR ALL OF YOUR FUNDS. YOU USE THE INTERFACE AND PROTOCOL ENTIRELY AT YOUR OWN RISK.

FBYT DISCLAIMS ANY AND ALL LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY LAW AND SUBJECT TO SECTION 11.3 FOR ANY LOSSES, DAMAGES, CLAIMS, OR REGULATORY CONSEQUENCES ARISING FROM (I) YOUR USE OF THE INTERFACE OR PROTOCOL, (II) SMART CONTRACT FAILURE OR EXPLOITS, (III) MONEY MANAGER PERFORMANCE OR CONDUCT, (IV) USER ERROR, (V) THIRD-PARTY SERVICES, OR (VI) COMPLIANCE FAILURES IN YOUR JURISDICTION.

THE INTERFACE AND PROTOCOL ARE NOT OFFERED TO, AND MAY NOT BE USED BY, (A) PERSONS OR ENTITIES WHO ARE RESTRICTED PERSONS (INCLUDING ANY PERSON SUBJECT TO SANCTIONS LISTS SUCH AS OFAC/UN/EU/UK), OR (B) PERSONS OR ENTITIES LOCATED IN, OR ORDINARILY RESIDENT IN, OR INCORPORATED IN, OR HAVING A REGISTERED OFFICE IN ANY RESTRICTED TERRITORY (INCLUDING SANCTIONED JURISDICTIONS SUCH AS IRAN, NORTH KOREA, SYRIA, CUBA, AND OTHER SANCTIONED TERRITORIES, AND ANY OTHER JURISDICTION PROHIBITED BY FBYT). YOU AGREE NOT TO USE VPNs OR OTHER TOOLS TO CIRCUMVENT ANY RESTRICTIONS.

YOU ARE SOLELY RESPONSIBLE FOR DETERMINING WHETHER YOUR ACCESS TO OR USE OF BLOCKCHAIN-BASED SOFTWARE, DIGITAL ASSETS, OR ANY “MONEY MANAGEMENT” OR “INVESTMENT”-RELATED FUNCTIONALITY IS PERMITTED IN YOUR JURISDICTION, AND FOR FULL COMPLIANCE WITH ALL APPLICABLE LAWS (INCLUDING SECURITIES, INVESTMENT ADVISORY, LICENSING, TAX, AND AML/CTF REQUIREMENTS WHERE APPLICABLE). FBYT DOES NOT PROVIDE LEGAL OR TAX ADVICE AND DOES NOT MONITOR OR ENSURE YOUR COMPLIANCE.

YOU MUST BE AT LEAST 18 YEARS OLD (OR THE AGE OF LEGAL MAJORITY IN YOUR JURISDICTION, WHICHEVER IS HIGHER) AND HAVE FULL LEGAL CAPACITY TO USE THE INTERFACE OR PROTOCOL.

IF YOU ARE A MONEY MANAGER, YOU ACKNOWLEDGE THAT YOU ARE AN INDEPENDENT THIRD PARTY AND NOT AN EMPLOYEE, AGENT, PARTNER, OR REPRESENTATIVE OF FBYT. YOU ARE SOLELY RESPONSIBLE FOR YOUR STRATEGIES, COMMUNICATIONS, PERFORMANCE CLAIMS, ANY LICENSING OR REGULATORY REQUIREMENTS THAT APPLY TO YOU, AND COMPLIANCE WITH THE TERMS OF EACH VAULT YOU OPERATE.

IF YOU ARE AN INVESTOR, YOU ACKNOWLEDGE THAT YOU CHOOSE WHETHER TO INTERACT WITH ANY MONEY MANAGER OR STRATEGY, AND THAT FBYT DOES NOT VERIFY, ENDORSE, OR GUARANTEE ANY MONEY MANAGER, STRATEGY, PERFORMANCE, OR OUTCOME.

THESE TERMS CONTAIN IMPORTANT PROVISIONS INCLUDING DISCLAIMERS OF WARRANTIES, AND LIMITATIONS OF LIABILITY, TO THE MAXIMUM EXTENT PERMITTED BY LAW (SEE SECTIONS 10 AND 11).

Last Modified: 30 September 2026

These Terms of Service, together with the Risk Disclosure, Privacy Policy, and any additional policies or notices published by FBYT (collectively, the “Terms”), govern your access to and use of:

(a)
the FBYT website(s), app(s), dashboard(s), and interface(s) (the “Site” / “Interface”), and
(b)
the smart contracts and related on-chain components deployed on the Solana blockchain that the Interface enables users to interact with (the “Protocol”), and
(c)
any SDK/API (if any) made available by FBYT from time to time (the “Developer Tools”).

These Terms form a binding legal agreement between each person or entity that accesses or uses the Interface or derives any benefit from it (“you”, “User”, “Investor”, “Money Manager”, collectively “Users”) and Pangea Technologies S.A. (together with affiliates, “FBYT”, “we”, “us”).

If you enter into these Terms on behalf of an entity, you represent and warrant that you have authority to bind that entity, and “you” includes that entity.

1. About FBYT, the Interface, and the Protocol

1.1

FBYT provides a software interface that enables Users to interact with smart contracts on Solana. The Interface may allow Users to:

(a)
create money management vaults (each, a “Vault”)
(b)
create or join on-chain strategies or vaults,
(c)
allocate or rebalance positions via smart contracts,
(d)
set permissions or constraints,
(e)
swap digital assets, including across other blockchains, through third-party swap aggregators and bridges integrated into the Interface, and
(f)
view data derived from public blockchains and third parties.

1.2

FBYT is not a wallet provider, broker, exchange, bank, money services business, financial institution, investment adviser, portfolio manager, or fiduciary.

1.3

FBYT does not custody digital assets. Users control their own wallets and private keys. Every action on the Interface requires a transaction or authorisation signed by the User with its own wallet. Assets deposited into a Vault may be withdrawn only by the wallet that deposited them, subject to the applicable Vault Terms (as defined in Section 2.3); neither FBYT, nor any Money Manager, nor Rockwell (as defined in Section 14) can withdraw them.

1.4

Swaps initiated through the Interface are executed by third-party protocols (including Jupiter and, for cross-chain swaps, third-party bridges). FBYT only provides the technology through which you submit your signed transaction and is not a party to, and does not execute, any swap.

1.5

The Protocol operates on-chain. To the extent permitted by law, FBYT may update, modify, restrict, disable, or discontinue the Interface at any time, without liability, but cannot guarantee the ability to alter or halt decentralized smart contract execution once transactions are submitted to the network.

2. User Roles and Relationship of the Parties

2.1

FBYT supports three roles:

(a)
Protocol. Smart contracts deployed on Solana that execute user-signed transactions according to code. The Protocol may be open-source or publicly accessible independent of the Interface.
(b)
Investors. Users who choose to allocate funds into on-chain strategies, vaults, or flows managed by their own decisions and/or by smart-contract logic associated with Money Managers.
(c)
Money Managers. Users who publish, configure, or operate strategies that Investors may choose to follow or allocate to, as implemented by smart contracts.

2.2

Money Managers are independent third parties and are not employees, agents, partners, or representatives of FBYT. FBYT does not supervise, endorse, or verify Money Managers.

2.3

Each Vault is governed by the terms set by its Money Manager and displayed in the Interface before any deposit, including its fees, type (open-ended or closed-end), lock-up periods and withdrawal conditions (the “Vault Terms”), which are enforced by the Protocol. The Vault Terms apply between the Money Manager and the Investors of that Vault; FBYT is not a party to them. A Money Manager must operate its Vault honestly and in accordance with its Vault Terms.

3. Eligibility and Capacity (18+ Requirement)

3.1

You may access or use the Interface and Protocol only if:

(a)
You are at least 18 years old (or the age of legal majority where you live, whichever is higher) and have full legal capacity to enter into these Terms;
(b)
You are not a Restricted Person and are not located in a Restricted Territory;
(c)
Your use is permitted by Applicable Law; and
(d)
You are not using the Interface on behalf of an undisclosed third party.

3.2

You represent and warrant these conditions are true each time you access or use the Interface.

4. Restricted Persons and Restricted Territories

4.1

Restricted Persons. You are a “Restricted Person” if you are:

(a)
listed on any sanctions list (including the U.S. Treasury Department Office of Foreign Assets Control “OFAC” SDN list), or any equivalent list maintained by the UN, EU, UK (HMT), or any relevant authority; or
(b)
owned or controlled (directly or indirectly) by such persons; or
(c)
acting on behalf of, or for the benefit of, any such person.

4.2

Restricted Territories. You may not access or use the Interface if you are located in, ordinarily resident in, incorporated in, or have a registered office in any Restricted Territory, including:

(a)
Sanctioned / embargoed territories (minimum baseline):
1. (i)
  Iran
2. (ii)
  North Korea
3. (iii)
  Syria
4. (iv)
  Cuba
5. (v)
  Crimea / Sevastopol
6. (vi)
  Donetsk & Luhansk regions
7. (vii)
  Any territory subject to comprehensive sanctions or embargoes by OFAC / EU / UK / UN
(b)
FBYT is not supported in the following countries:
1. (i)
  United States
2. (ii)
  Canada
3. (iii)
  United Kingdom

4.3

No circumvention. You agree not to use VPNs, proxies, or other tools to bypass geo-blocking or restrictions. FBYT may block access based on location signals.

5. Compliance With Laws; No Legal/Tax Advice

5.1

You are solely responsible for compliance with all laws and regulations applicable to you, including but not limited to:

(a)
securities and derivatives rules
(b)
investment management licensing
(c)
marketing/solicitation rules
(d)
AML/CTF obligations (where applicable)
(e)
tax reporting
(f)
reporting obligations to regulators

5.2

FBYT does not provide legal, tax, or regulatory advice. You should consult independent professionals.

6. Non-Custodial; Wallet and Key Security

6.1

You are solely responsible for:

(a)
securing wallet credentials and private keys
(b)
verifying transaction details before signing
(c)
ensuring correct addresses, assets, and parameters
(d)
monitoring positions and smart-contract states

6.2

FBYT cannot recover keys, reverse transactions, or restore assets.

7. Fees; Network Costs

7.1

Smart contracts may charge fees or route fees to designated addresses according to on-chain logic. Network transaction fees (“gas”) are paid to the blockchain/network and not controlled by FBYT. All fees applicable to a transaction, including any Vault management, performance, creation and trading fees and any Interface fees, are displayed in the Interface before you sign that transaction.

7.2

FBYT may change Interface-related pricing (if any) at any time. A change does not apply to transactions signed before it is published.

8. Third-Party Services and Data

8.1

The Interface may display or integrate third-party services (RPC providers, indexers, oracles, bridges, swap aggregators, token lists, analytics, wallets). Such components are not controlled by FBYT and may fail, be inaccurate, or become unavailable.

8.2

You use third-party services at your own risk.

9. Prohibited Uses

9.1

You agree not to:

(a)
violate sanctions or facilitate transactions with Restricted Persons
(b)
use the Interface for money laundering, terrorist financing, or illicit activity
(c)
hack, attack, scrape, overload, or disrupt the Interface
(d)
misrepresent affiliation with FBYT
(e)
publish deceptive performance claims (Money Managers)
(f)
offer unregistered securities where prohibited by Applicable Law
(g)
use the Interface to facilitate illegal gambling where prohibited by Applicable Law

9.2

FBYT may block or restrict access for suspected violations.

10. Disclaimers (As-Is; No Warranties)

10.1

THE INTERFACE, PROTOCOL, AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE MAXIMUM EXTENT PERMITTED BY LAW, FBYT DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

10.2

FBYT DOES NOT WARRANT THAT:

(a)
the Interface will be uninterrupted, secure, or error-free
(b)
data will be accurate or complete
(c)
the Protocol will perform as intended in all market conditions

11. Limitation of Liability

11.1

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FBYT SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO YOUR USE OF THE INTERFACE OR PROTOCOL, EVEN IF ADVISED OF THE POSSIBILITY.

11.2

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FBYT’S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF:

(a)
USD $100, OR
(b)
THE AMOUNT YOU PAID DIRECTLY TO FBYT (IF ANY) IN THE SIX MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM.

11.3

Nothing in these Terms excludes or limits liability for fraud, wilful misconduct or gross negligence, for death or personal injury caused by negligence, or any other liability or consumer right that cannot be excluded or limited under Applicable Law.

12. Indemnification

12.1

To the extent permitted by law, you agree to indemnify, defend, and hold harmless FBYT and its affiliates, officers, directors, employees, contractors, and agents from and against any claims, damages, losses, liabilities, penalties, and expenses (including attorneys’ fees) arising from or related to:

(a)
your use or misuse of the Interface or Protocol
(b)
your violation of these Terms
(c)
your violation of Applicable Law
(d)
your interaction with a Money Manager or Investor
(e)
any content or claims you publish (including performance claims),

excluding any losses caused by FBYT’s own breach of these Terms, fraud, wilful misconduct or gross negligence.

13. Termination; Suspension

13.1

FBYT may suspend or terminate your access to the Interface at any time for any reason, including suspected violation of these Terms, sanctions risk, or legal risk.

13.2

Termination of Interface access does not necessarily prevent interaction with public smart contracts directly. In particular, suspension or termination does not affect your right to withdraw assets you have deposited into a Vault in accordance with the applicable Vault Terms.

14. Automated Trading, Conditional Orders and API

14.1

Conditional Orders, Bot Services and API trading are supplied by Rockwell Technologies Ltd. (“Rockwell”), a separate legal entity from the operator of this interface. They are governed by Rockwell’s separate Automated Trading, Conditional Orders and API Terms and Conditions, which you accept before activating any automated trading. FBYT is not a party to those terms and does not provide, operate or execute any automated trading.

14.2

When you activate automated trading, you delegate to Rockwell, by signing with your own wallet, the right to execute trades within the parameters you set. You do not transfer to Rockwell or to FBYT custody of, or any right to withdraw, your assets. Those terms cover delegated execution through a Gas Fee Execution Wallet, the absence of any execution or price guarantee, your responsibility for parameters and for any Custom Bot you connect, and how to stop automated trading.

15. Changes to the Terms

15.1

FBYT may update these Terms at any time by posting a revised version. Material changes will be notified through the Interface at least fifteen (15) days before they take effect, unless a shorter period is required for legal, regulatory or security reasons. Your continued use of the Interface after a change takes effect constitutes acceptance of it; if you do not agree, you may stop using the Interface and withdraw your assets in accordance with the applicable Vault Terms.

16. Rewards and Referrals

16.1

FBYT may allocate points for activity on the Interface (“Points”). Points have no monetary value, are not transferable, are not a digital asset and do not confer any right to tokens, profits, revenue or any other payment. Any future conversion of Points into FBYT tokens, if offered, will be subject to separate terms and to Applicable Law.

16.2

FBYT may operate a referral programme on the terms displayed in the Interface. When referring others, you must not make any statement about returns or performance or hold yourself out as acting on behalf of FBYT.

16.3

FBYT may amend, suspend or terminate the rewards or referral programme at any time.

17. Governing Law and Disputes

17.1

These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of Panama.

17.2

The courts of Panama city have exclusive jurisdiction over any dispute arising out of or in connection with these Terms. If you are a consumer, this does not deprive you of the protection of the mandatory laws of, or of your right to bring proceedings in, your country of residence.

Appendix A — FBYT Comprehensive Risk Disclosure (Detailed)

A1. Summary

Using blockchain protocols involves significant risk, including total loss. You should not use the Interface unless you understand and accept these risks.

A2. No Custody; No Fiduciary; No Advice

FBYT does not custody funds and does not act as an adviser, broker, or fiduciary. Any information displayed is informational and may be incomplete or inaccurate.

A3. Smart Contract Risk

Smart contracts may contain vulnerabilities, errors, or design limitations that may cause:

(a)
loss of funds
(b)
incorrect execution
(c)
inability to withdraw
(d)
unexpected fees
(e)
irreversible outcomes

Audits do not guarantee safety. Exploits can happen even to audited systems.

A4. Blockchain and Network Risk (Solana)

Risks include:

(a)
network congestion and transaction failure
(b)
chain halts or degraded performance
(c)
validator / consensus issues
(d)
forks, reorgs (where applicable)
(e)
RPC outages, indexing failures
(f)
changes to Solana protocol or dependencies

Transactions may fail, be delayed, or execute under adverse conditions.

A5. Wallet / Key Compromise Risk

If your private key, seed phrase, device, or signing method is compromised, assets may be stolen. FBYT cannot recover them.

A6. Market Risk and Volatility

Digital asset prices can fluctuate significantly. Risks include:

(a)
extreme volatility
(b)
illiquidity and slippage
(c)
market manipulation
(d)
stablecoin de-pegs
(e)
liquidation or forced rebalancing triggered by market conditions

Your investment may lose all value.

A7. Strategy Risk (Investor & Money Manager)

For Investors

(a)
You may choose strategies unsuitable for your risk tolerance.
(b)
Money Manager decisions may be poor, negligent, or based on incorrect assumptions.
(c)
Performance shown may not reflect real future performance.

For Money Managers

(d)
Strategies may behave differently in live market conditions.
(e)
You may be subject to local licensing or marketing restrictions.
(f)
You are solely responsible for claims you publish and compliance obligations.

FBYT does not verify qualifications or performance claims.

A8. Counterparty / Dependency Risks

The Protocol may interact with third-party programs or tokens. Risks include:

(a)
token contract risk
(b)
oracle risk
(c)
DEX / liquidity pool risk
(d)
bridge risk (if used)
(e)
third-party protocol insolvency / governance risk

Failures of dependencies can cause loss.

A9. Data Accuracy Risk

Information shown in the Interface may be derived from:

(a)
public blockchain data
(b)
indexers
(c)
third-party APIs
(d)
oracles

Such data may be delayed, wrong, manipulated, or unavailable. You must verify independently.

A10. Regulatory, Sanctions, and Legal Risks

Laws around crypto and “money management” differ by country and may change. You are responsible for compliance.

FBYT may restrict access to reduce exposure, but makes no guarantee that using the Protocol is legal for you.

Use in sanctioned jurisdictions is prohibited. Interacting with sanctioned persons may result in enforcement actions.

A11. Tax Risk

Blockchain activity may create taxable events. You are solely responsible for tax reporting and payment.

A12. No Guarantee of Availability

The Interface may be modified, disabled, or unavailable. Smart contracts may remain accessible on-chain, but without UI support.

A13. Acknowledgements

By clicking “I Agree” (and/or signing a message), you confirm:

(a)
you are 18+ and have legal capacity
(b)
you are not a Restricted Person and not in a Restricted Territory
(c)
you understand non-custodial operation
(d)
you accept smart contract and market risks
(e)
you accept responsibility for compliance and taxes
(f)
you accept possibility of total loss
(g)
you accept the allocation of risk and the limitations of liability set out in these Terms