Terms of Service

Last Updated: October 16, 2025

These Terms of Use (“Terms”) govern your access to and use of the website, web interfaces, and related content provided by Hann Finance (collectively, the “Services”). By accessing or using the Services, you agree to these Terms and our Privacy Policy (incorporated by reference).

1) Introduction & Acceptance

Hann Finance provides non-custodial web interfaces that help users interact with autonomous smart contracts deployed on public blockchains (the “Protocol”). Some components may derive from open-source code (e.g., Liquity v2-style CDP mechanics). We do not custody assets or hold private keys and will never ask for seed phrases. You control your wallet and transactions.

2) Eligibility

• Age. You must be 18+ (or the age of legal capacity in your jurisdiction, if higher).

• Compliance. You are not a Restricted Person and your use is not prohibited under applicable law or these Terms.

• Retail access. Individuals and institutions may use the Services; however, certain core features require completion of the risk acknowledgment flow in Section 8.

3) Nature of the Services

The Services help you prepare and submit transactions from your wallet to the Protocol. Execution occurs on-chain under Protocol rules. We do not execute, control, reverse, guarantee, or recover on-chain outcomes, keys, or assets. Any educational content or metrics shown in the UI are not investment advice.

4) Testnet Scope

Unless stated otherwise, current deployments may operate on testnet using valueless test tokens. Logs/analytics may be processed to improve quality and security. Testnet records may be reset without notice. We expect to support Kaia mainnet in a future release; we will update these Terms and provide legally required notices before material changes take effect.

5) Prohibited Uses

You must not: (i) violate law; (ii) launder funds or evade sanctions; (iii) bypass geoblocking or access controls (e.g., via VPN/proxy); (iv) manipulate markets; (v) exploit bugs or vulnerabilities; (vi) interfere with or overload the Services; (vii) reverse-engineer non-OSS parts of the UI; or (viii) use the Services where prohibited.

Sanctions & Restricted Access. The Services are not offered to, and access is prohibited by:

• Sanctioned Persons: any person or entity (or any person/entity owned or controlled, as interpreted under applicable sanctions laws, by such persons) designated on sanctions lists administered by the United Nations, U.S. OFAC (including the SDN List and other OFAC lists), the European Union/EU Member States, the UK HM Treasury, or the Monetary Authority of Singapore (MAS);

• Comprehensively sanctioned jurisdictions/regions: any jurisdiction or region that is the subject of comprehensive sanctions, territorial embargo, or comparable measures under the regimes above;

• Prohibited end-use: any use that would cause Hann Finance to breach export controls or sanctions laws, including facilitation of evasion or circumvention.

These restrictions are dynamic and incorporate by reference updates to the cited sanctions lists/regimes. We may, in our discretion and without notice, extend restrictions to additional persons, entities, IP ranges, or jurisdictions where we reasonably assess legal or risk concerns. You agree not to circumvent any control measures.

6) Third-Party Services & Links

Wallets, RPCs, bridges, price oracles, analytics, hosting/CDN, and other third-party services are not controlled by Hann Finance. We are not responsible for third-party acts, omissions, availability, security, or accuracy. Your use of third-party services is subject to their terms and policies.

7) Fees, On-Chain Costs & Taxes

You are responsible for all on-chain gas fees and any Protocol fees encoded by the Protocol. The UI may show indicative fees or link to documentation; however, on-chain rules prevail. You are responsible for any taxes arising from your activities.

8) Risk Disclosure & In-Product Acknowledgment

Digital assets/DeFi carry significant risks. Liquidations, redemptions, oracle delay/error, MEV, slippage and volatility, gas spikes, network reorgs/outages, client/node failures, smart-contract vulnerabilities, parameter/governance changes, and bridge/cross-chain risks may result in partial or total loss. Before accessing core features, you must complete a short risk acknowledgment in the UI (e.g., checkbox/quiz). A separate Risk Disclosure, if published, is incorporated by reference. In case of conflict, on-chain code and parameters control.

9) Privacy

Our processing of personal data is described in the Privacy Policy (incorporated by reference). As of the Effective Date, we do not set any non-essential cookies. We use cookieless analytics (Vercel Web Analytics and Speed Insights) for aggregate traffic and performance measurement. If we later introduce any cookie-based analytics (e.g., GA4), we will update the Policy and request your consent before use.

10) Intellectual Property

UI, brand, docs. The Services (including the user interface, site/content, designs, and documentation) and all associated IP rights are owned by or licensed to Hann Finance and protected by law. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services as provided. No other rights (including to source code) are granted, whether by implication, estoppel, or otherwise.

No reverse engineering. Except to the extent a restriction is prohibited by applicable law, you must not copy, modify, adapt, translate, decompile, disassemble, reverse engineer, or create derivative works of the Services or any part of them, nor remove or alter proprietary notices.

Trademarks. Hann Finance names, logos, and marks are our trademarks or service marks. No license to use them is granted except as necessary to identify the Services; any other use requires our prior written consent.

Feedback. If you provide feedback, ideas, or suggestions, you grant us a worldwide, perpetual, irrevocable, royalty-free license to use and exploit them without restriction or attribution.

11) Changes

We may modify, suspend, or discontinue any part of the Services at any time. For material changes to these Terms, we will provide notices as required by law. We do not guarantee availability of any feature or compatibility with any third-party service.

12) Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” To the maximum extent permitted by law, we disclaim all warranties, express, implied, or statutory, including merchantability, fitness for a particular purpose, quiet enjoyment, non-infringement, and those arising from course of dealing or usage. Data/prices/metrics may be delayed or inaccurate.

13) Limitation of Liability

To the maximum extent permitted by law, Hann Finance and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising out of or relating to the Services. Where liability cannot be excluded, our liability is limited to direct damages only. Nothing in this Section limits liability for fraud, willful misconduct, or any other liability that cannot be limited under applicable law.

14) Indemnification

You agree to indemnify, defend, and hold harmless Hann Finance and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from or related to: (a) your use of the Services; (b) your violation of these Terms or law; or (c) your violation of any third-party right.

15) Consumer-Specific Terms

Nothing in these Terms limits non-waivable consumer rights under laws that apply to you (e.g., mandatory notices, withdrawal rights, statutory warranties, information duties). Where such mandatory rules apply, they prevail over these Terms. To the extent possible, these Terms will be interpreted to coexist with those rules.

16) Governing Law

These Terms (including any non-contractual obligations) are governed by the laws of Singapore. Any dispute arising out of or in connection with these Terms shall be finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) under the SIAC Rules in force at the time of commencement of the arbitration, which are incorporated by reference. The seat (legal place) of arbitration is Singapore, the tribunal shall consist of one arbitrator, and the language shall be English; the substantive law governing these Terms is Singapore law.

To the maximum extent permitted by law, class, collective, and representative actions are waived, and the arbitrator may not consolidate claims of more than one person without the parties’ consent. Either party may seek interim or conservatory measures from any court of competent jurisdiction (including the Singapore courts) before or during arbitration. The arbitration and all related filings and evidence are confidential, except as required to enforce or challenge an award. Service by email shall suffice for all notices in the arbitration.

If you qualify as a consumer and the mandatory law of your jurisdiction (a) does not permit mandatory arbitration, (b) does not permit class-action waivers, or (c) allows filing in small-claims court, then, to that extent only, you may file in small-claims court where permitted and the mandatory arbitration and/or class-action waiver terms do not apply or apply as modified by such mandatory law. The arbitration agreement is separable from the rest of these Terms.

17) Termination

We may suspend or terminate your access immediately for any violation of these Terms or where required by law. Upon termination, Sections 10–19 survive.

18) Business Transfers

We may assign or transfer these Terms, or any rights and obligations hereunder, in connection with a merger, acquisition, reorganization, or asset transfer. Where required, we will take reasonable steps to safeguard users’ rights.

19) Contact Us

We may provide notices via the Services or email. Legal notices and data-rights requests: [e-mail].