End User License Agreement
& Terms of Service

1 Acceptance of Terms

This End User License Agreement and Terms of Service ("Agreement") is a legally binding contract between you ("User", "you") and Bulisolio LLC ("Company", "we", "us", "our"), governing your use of the Bulisolio mobile and desktop application and all associated services (collectively, the "Service").

By downloading, installing, creating an account in, or using the App in any way, you confirm that you:

• Are at least 18 years of age (or the age of majority in your jurisdiction)
• Have read, understood, and agree to be bound by this Agreement
• Have read and understood our Privacy Policy
• If using loan features, have read our Truth in Lending disclosure
• If using delegated loan or LALoC features, have read and accepted the additional terms in Sections 9A, 9B, and 9C of this Agreement

If you do not agree to these terms, do not install, access, or use the App.

2 App Description

Bulisolio is a cryptocurrency portfolio tracking and wealth management application available on iOS, Android, Windows, and macOS. Core features include:

• Multi-wallet portfolio aggregation across 22+ blockchains
• Real-time price tracking and portfolio valuation
• Yield Vector™ analysis (Pro/Premium)
• Tax Sentinel™ and capital gains calculation (Premium)
• Collateralized crypto loans (Premium)
• AI-powered Concierge Voice assistant
• Whale Radar™ and Price Pulse™ alerts (Pro/Premium)

For complete feature descriptions, see Features on our website. For loan-specific details, see our Truth in Lending and How Smart Contracts Work documentation.

3 License Grant

Subject to your compliance with this Agreement, Bulisolio LLC grants you a limited, non-exclusive, non-transferable, revocable licence to download, install, and use the App on devices that you own or control, solely for your personal, non-commercial use.

This licence does not include any right to:

• Use the App for commercial purposes or on behalf of third parties
• Modify, reverse engineer, decompile, or disassemble the App
• Remove or alter proprietary notices
• Distribute, sublicence, or transfer the App to others

4 Restrictions

You must not:

• Use the App in violation of any applicable law or regulation
• Attempt to gain unauthorised access to any part of the Service
• Transmit viruses, malware, or harmful code
• Interfere with or disrupt the Service or its servers
• Harvest user data or use automated tools (bots, scrapers) without permission
• Impersonate others or misrepresent your affiliation with any entity
• Use the App to engage in money laundering, terrorist financing, or other financial crimes

5 Accounts & Registration

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your password confidential and not share account access
• Notify us immediately of any unauthorised use of your account

You are responsible for all activity that occurs under your account. We reserve the right to refuse service, terminate accounts, or remove content at our discretion.

KYC Requirements (Pro, Premium, Affiliate Users)

Users who subscribe to Pro or Premium tiers, or who join the Affiliate Program, must complete Know Your Customer (KYC) verification. This may include providing:

• Government-issued photo ID
• Proof of address (utility bill, bank statement)
• Tax identification number or equivalent

Failure to complete KYC within the required timeframe will result in suspension of loan features and affiliate payouts.

6 Subscriptions & Billing

Bulisolio offers three subscription tiers: Free, Pro ($6.99/month US or $58.99/year US), and Premium ($16.99/month or $143.99/year US). See Pricing for full details.

Recurring Billing

• Subscriptions renew automatically at the end of each billing period
• We will charge your payment method on the renewal date
• Prices are subject to change with 30 days' notice
• You may cancel at any time via the App or by contacting support

Refunds

Monthly subscriptions are non-refundable, except as required by law. Annual subscriptions may receive a pro-rata refund if cancelled within the first 30 days. Refund requests must be submitted to billing@bulisolio.com.

Cancellation

If you cancel, your subscription remains active until the end of the current billing period. You will not be charged for subsequent periods. Upon cancellation, you lose access to Pro/Premium features immediately at the end of the paid period.

7 Free Tier

The Free tier provides basic portfolio tracking features at no cost. Free tier users:

• May have access to fewer blockchain integrations
• Do not have access to Yield Vector™, Tax Sentinel™, or loan features
• May see occasional in-app suggestions to upgrade

We reserve the right to modify or discontinue Free tier features at any time.

8 Cryptocurrency & Wallets

Non-Custodial: Bulisolio is primarily a read-only portfolio tracker. You provide wallet addresses, and we display balances and transaction data. We do not control, hold, or have access to your private keys or funds in tracked wallets.

Security: You are solely responsible for the security of your private keys and wallet credentials. Loss or theft of your private keys is not our responsibility and we cannot recover lost funds.

Accuracy: Portfolio values and balances are derived from third-party blockchain explorers and price APIs (e.g. CoinGecko). We make reasonable efforts to ensure accuracy but do not guarantee real-time precision.

9 Crypto Loans (Premium Only)

Premium tier users may access collateralized crypto loan features. By using loan features, you acknowledge and agree that:

• Loans are facilitated through third-party smart contracts on the Base network
• Bulisolio acts as a facilitator and charges a concierge commission (see Truth in Lending)
• Your crypto collateral is locked in smart contracts and may be liquidated if terms are breached
• You are responsible for managing loan health, making payments, and avoiding liquidation
• Loans carry inherent risks including market volatility, smart contract risk, and oracle failure

Loan Requirements

To qualify for loans, you must:

• Be a Premium subscriber in good standing
• Complete KYC verification
• Have sufficient eligible collateral (ETH or cbBTC on Base)
• Meet minimum loan-to-value (LTV) requirements determined by the Loan Underwriting Engine

For complete loan terms, underwriting criteria, and risk disclosures, see our Truth in Lending disclosure and How Smart Contracts Work guide.

Loan Proceeds

Loan proceeds (USDC) are deposited into your secure vault wallet. You may:

• Spend via non-custodial Visa card (Gnosis Pay / Holyheld)
• Transfer externally via WalletConnect

All loan disbursements and repayments are subject to blockchain gas fees and network congestion.

Loan Classes

Bulisolio offers four loan classes with different capital sources, eligibility requirements, commission structures, and payment obligations. Understanding which class applies to your loan is essential before proceeding:

• Class 1 — Standard Self-Collateralized (SC): You provide all collateral; voluntary payment schedule; lowest Concierge commission floor (0.25%). Available to all Premium users meeting underwriting criteria.
• Class 2 — Margin-Boost Hybrid (MB): Bulisolio supplements your collateral from the Delegation Reserve; mandatory monthly minimum payments; 3.0% commission floor. Requires Spectral Finance score ≥ 550.
• Class 3 — Full Delegation (FD): Bulisolio provides all capital from the Delegation Reserve; capped at $1,000 USD; mandatory monthly minimum payments; 3.0% commission floor. Requires Spectral Finance score ≥ 650 and EAS Coinbase Verified attestation.
• Class 4 — LALoC (Legend Affiliate Line of Credit): Revolving USDC credit facility up to $50,000; exclusively for Legend-tier affiliates with active Premium subscriptions; mandatory monthly minimum payments per draw; 3.0%+ dynamic commission. Full terms in Section 9C.

Full loan class eligibility requirements, LTV calculations, mandatory payment formulas, and risk disclosures are detailed in our Truth in Lending disclosure. See Sections 9A, 9B, and 9C below for the binding legal terms governing these products.

9A Delegated Loan Classes — Additional Terms

Classes 2, 3, and 4 are Delegated Loan Products in which Bulisolio LLC contributes capital from its Delegation Reserve (a treasury wallet on the Base network) to supplement or fully fund your loan. By requesting or accepting any Class 2, 3, or 4 loan, you agree to the following additional terms, which supplement and do not replace Section 9.

Delegation Reserve Availability

All Class 2, 3, and 4 loan draws — including new LALoC draws — are funded from the Bulisolio Delegation Reserve. Bulisolio makes no guarantee that the Delegation Reserve will be available, fully funded, or above its minimum operating threshold at any given time. If the Reserve falls below its operating minimum:

• All new delegated loan draws are suspended system-wide until the Reserve is replenished
• Existing open loans and their payment obligations continue unaffected
• You will receive in-app notification when the Reserve is restored

Reserve suspension is not a breach of this Agreement. Bulisolio is not liable for any damages, losses, or missed opportunities resulting from Reserve suspension.

On-Chain Credit Scoring — Spectral Finance

Class 2, 3, and 4 loans require an on-chain credit score from Spectral Finance assessed from your wallet's blockchain transaction history. By applying for a delegated loan, you authorise Bulisolio to query your wallet address against the Spectral Finance scoring API. You acknowledge that:

• Spectral Finance's scoring methodology is proprietary and outside Bulisolio's control
• A score below the minimum threshold for your requested loan class will result in denial
• Bulisolio is not responsible for inaccuracies in Spectral Finance scores
• Your score is re-evaluated at each new draw request

EAS Coinbase Verified Identity Attestation

Class 3 and Class 4 loans require an Ethereum Attestation Service (EAS) Coinbase Verified identity attestation, linking your real-world identity to your on-chain wallet address. By completing this attestation you:

• Consent to Bulisolio verifying your EAS attestation on-chain as a condition of loan approval
• Acknowledge that EAS attestation is provided by Coinbase under Coinbase's own terms
• Accept that loss or revocation of your EAS attestation may disqualify you from Class 3/4 loans

Mandatory Minimum Payments (Classes 2, 3, and 4)

Unlike Class 1 (voluntary payments), Classes 2, 3, and 4 require mandatory monthly minimum payments. By accepting a Class 2, 3, or 4 loan, you irrevocably agree that:

• A minimum payment is due each month on the anniversary date of each draw (the "Due Date")
• The minimum payment equals monthly interest accrued plus the Loan Underwriting Engine's amortized principal component for that period
• A 5-calendar-day cure window follows the Due Date before delinquency is formally declared
• Failure to pay within the cure window results in: (i) a −200 point deduction from your Trust Score, (ii) an immediate delinquency flag on your account, (iii) suspension of new draw access while delinquent, and (iv) escalated Concierge Voice monitoring
• Draws reaching 90 days of delinquency may trigger unilateral escrow contract close and collateral liquidation to satisfy the outstanding balance

Loan Underwriting Engine (LUE)

All loan approvals, class assignments, LTV calculations, and commission rates are determined by Bulisolio's proprietary Loan Underwriting Engine (LUE). You acknowledge that:

• Underwriting decisions are binding and final for each loan request
• Underwriting parameters — including Trust Score thresholds, LTV limits, commission rate floors, and collateral requirements — are subject to change by Bulisolio at any time based on market conditions and business policy
• The general methodology of underwriting is disclosed in our Truth in Lending document, but specific internal parameters are proprietary
• No loan amount, LTV, or commission rate shown in illustrations or examples constitutes a guarantee of the terms you will receive

HODL Index

The HODL Index is a component of your Trust Score that measures the long-term holding behavior of your crypto assets. It rewards low churn and penalises frequent trading of collateral assets. Active loan repayments and open loan contract lifetimes positively contribute to your HODL Index. Bulisolio reserves the right to modify the HODL Index calculation methodology at any time.

Delegated Loan Risk Acknowledgement

In addition to the risks disclosed in Section 9, by using any Class 2, 3, or 4 delegated loan product you specifically acknowledge:

• Capital risk to Bulisolio: Bulisolio bears financial risk by contributing Delegation Reserve capital. Underwriting , commission structures, and LTV buffers are designed to manage this risk, but cannot eliminate it. Adverse market events may cause losses to both you and Bulisolio.
• No guaranteed availability: Delegation Reserve funding is not guaranteed. Bulisolio may discontinue delegated loan products at any time with reasonable notice. Existing open draws are not affected by discontinuation.
• Audit requirement: Escrow contracts used for Class 2, 3, and 4 loans must pass a professional third-party security audit before production deployment. By accepting a delegated loan, you represent that you have reviewed the publicly available audit report on BaseScan.

9B Escrow Smart Contracts

Each Class 2, 3, and 4 delegated loan draw is governed by a dedicated Bulisolio Escrow Contract deployed on the Base network. Class 1 loans use standard third-party lending pool contracts and are not subject to this section. By accepting any Class 2, 3, or 4 draw, you agree to the following:

What the Escrow Contract Does

The Bulisolio Escrow Contract is a second smart contract deployed alongside the lending pool contract for each delegated loan. It:

• Records delegation: Stores the Delegation Reserve contribution amount, draw date, and loan class on-chain for full auditability
• Tracks mandatory payments: Records payment timestamps and amounts; monitors for delinquency relative to the Due Date
• Manages the cure window: Enforces the 5-day cure period before triggering delinquency state
• Enables unilateral close: After 90 days of confirmed delinquency, activates a timelock that allows Bulisolio to unilaterally close the contract, liquidate collateral, and recover the outstanding balance plus accrued fees

Your Rights Under the Escrow Contract

• You may repay the draw in full at any time to close the escrow contract before maturity
• You may make payments in excess of the monthly minimum to reduce principal faster
• All escrow contract interactions (draws, payments, closures) are transparent and visible on BaseScan
• If Bulisolio's systems fail to record a payment you have made on-chain, BaseScan transaction data is the authoritative record; contact support@bulisolio.com immediately with your transaction hash

Bulisolio's Rights Under the Escrow Contract

• Upon 90 days of confirmed delinquency (post-cure-window), Bulisolio may trigger the escrow timelock and initiate unilateral contract close
• Unilateral close liquidates your collateral assets to recover the outstanding principal, accrued interest, and any unpaid Concierge commission
• Any surplus collateral remaining after full recovery is returned to your secure vault wallet
• Bulisolio is not required to provide additional notice before triggering the timelock once the 90-day delinquency threshold is reached

Audit Requirement

Smart Contract Risk (Escrow-Specific)

In addition to the general smart contract risks disclosed in Section 12, escrow contracts carry the following specific risks:

• A bug in the escrow contract's delinquency detection or timelock logic could incorrectly trigger unilateral close on a current account. Bulisolio will investigate and remediate such incidents, but on-chain transactions may be irreversible.
• Gas price spikes on Base could delay payment transactions submitted close to the Due Date. You are responsible for submitting payments with sufficient lead time to account for network congestion.
• Bulisolio cannot reverse or modify a deployed escrow contract. In the event of a critical bug, a new contract version would be deployed and you would be asked to migrate.

Bulisolio's aggregate liability for escrow contract failures is limited as set forth in Section 15.

Escrow Contract Transparency

The escrow contract source code, deployment address, and all on-chain interactions are publicly verifiable on BaseScan. Bulisolio commits to:

• Publishing verified source code for all production escrow contract versions
• Linking audit reports from the App's secure vault wallet interface
• Notifying users via in-app notification and email of any new escrow contract version deployments

9C Legend Affiliate Line of Credit (LALoC) — Specific Terms LEGEND AFFILIATES ONLY

This section contains additional binding terms that apply exclusively to the Legend Affiliate Line of Credit (LALoC) product. LALoC is a Class 4 Delegated Loan product. Sections 9, 9A, and 9B all apply to LALoC in addition to this section.

LALoC Eligibility Conditions (All Must Be Met)

You may only access LALoC draws if all of the following are true at the time of each draw request:

• You hold Legend-tier affiliate status with 500 or more active referred subscribers
• You maintain an active Bulisolio Premium-tier subscription
• Your standard KYC verification is complete and current
• You hold a valid EAS Coinbase Verified attestation linked to your on-chain wallet address
• Your Spectral Finance score is ≥ 650 at time of draw (re-checked per draw)
• Your Trust Score's HODL Index component meets underwriting minimum threshold
• The Bulisolio Delegation Reserve is at or above its minimum operating threshold
• You have no open delinquent draw on any existing LALoC escrow contract

Failure to meet any single condition results in draw denial. Bulisolio is not required to explain which specific condition failed.

Revolving Credit Structure

LALoC operates as a revolving line. Each draw is individually underwritten and, if approved, creates a new escrow contract. You acknowledge and agree that:

• The aggregate outstanding balance across all open LALoC escrow contracts may not exceed your approved revolving limit (up to $50,000 USDC)
• Your revolving limit is determined by underwriting at time of each draw and is not guaranteed to remain constant
• Bulisolio may reduce your revolving limit at any time based on changes to your Trust Score, market conditions, or Delegation Reserve health, with in-app notice
• Each draw creates a separate, independent escrow contract with its own payment schedule, Due Date, and delinquency tracking

LALoC Concierge Commission

The Concierge commission on each LALoC draw is calculated at draw time using the Class 4 dynamic formula (3.0% floor + Fear & Greed premium + volatility premium). You must review and explicitly confirm the Concierge commission rate shown on the draw confirmation screen before the draw is executed. Confirmation constitutes your acceptance of the specific commission rate for that draw. No draw will be executed without your explicit confirmation.

LALoC Top-Tier LTV Benefit

As a Legend-tier affiliate, underwriting grants you top-tier LTV terms minus a 5% safety buffer off the applicable smart contract pool's maximum LTV. This benefit is:

• Subject to change if your Legend affiliate status lapses
• Applied automatically by underwriting at draw time — no manual activation required
• Not transferable to non-LALoC loan classes
• Separate from and in addition to the 10% Premium Affiliate commission boost

Conditions That Immediately Suspend New LALoC Draws

Your access to new draws is suspended immediately and without further notice if any of the following occur:

• Your active subscriber count drops below 500 (exit from Legend tier)
• Your Premium subscription lapses, is canceled, or is downgraded
• Your Spectral Finance score drops below 650 (detected at next draw attempt)
• Your Trust Score falls below underwriting minimum for Class 4
• Any open LALoC draw becomes delinquent (suspension continues until delinquency is cured)
• Your affiliate account is suspended or terminated for any reason
• The Delegation Reserve falls below its minimum operating threshold

LALoC Proceeds and Permitted Use

LALoC draw proceeds (net of Concierge commission) are deposited into your Bulisolio secure vault wallet in USDC on the Base network. Proceeds may be used for any lawful purpose, subject to the restrictions in Section 4. You must not use LALoC proceeds for:

• Funding prohibited activities as defined in Section 4
• Paying subscription fees to Bulisolio (creates self-dealing conflicts)
• Funding accounts controlled by sanctioned persons or entities

LALoC and Affiliate Commission Independence

LALoC draws are financial transactions separate from your affiliate commission earnings. Draws do not constitute commission income and are not offset against commission payouts. Your affiliate commission continues to accumulate and pay out per the Affiliate Program Rules regardless of LALoC activity. However, nothing in this section prevents you from voluntarily using commission USDC received in your secure vault wallet to make LALoC payments.

LALoC Account Closure

If you wish to close your LALoC facility entirely, you must repay all outstanding draw balances on all open escrow contracts in full. Bulisolio will not close your LALoC facility while any escrow contract has an outstanding balance. Upon full repayment of all draws, the escrow contracts are automatically closed on-chain and your LALoC facility is deactivated.

10 Your Data

Data you provide (wallet addresses, labels, notes) is stored locally on your device and optionally backed up to our encrypted cloud storage (if enabled). See our Privacy Policy for details on how we collect, use, and protect your data.

You retain ownership of your data. You may export or delete your data at any time via the App settings.

11 Security

We implement industry-standard security measures including:

• AES-256 encryption for local and cloud-stored data
• TLS 1.3+ for network communications
• Certificate pinning to prevent man-in-the-middle attacks
• Multi-Party Computation (MPC) for secure vault wallets
• Regular security audits and penetration testing

However, no system is perfectly secure. You agree that we are not liable for unauthorised access resulting from third-party hacks, device compromise, or user error.

If you discover a security vulnerability, please report it to security@bulisolio.com. Eligible reports may qualify for bug bounty rewards.

11A Device Integrity & Remote Revocation

Bulisolio relies on your device’s hardware security features (Secure Enclave on iOS, StrongBox on Android, TPM on Windows) to protect your Secure Vault wallet and cryptographic key shards. Modification of your device’s security posture — including but not limited to jailbreaking, rooting, bootloader unlocking, disabling System Integrity Protection (SIP), or installing unauthorized firmware — may compromise these protections. By using the App, you acknowledge and agree to the following:

Device Attestation

The App uses platform-provided device integrity attestation services (Apple App Attest, Google Play Integrity API, or equivalent) to verify that your device has not been modified in a way that compromises security. Attestation tokens are verified by our servers on a per-transaction basis for all financial operations, including but not limited to: loan origination, loan repayment, vault transfers, WalletConnect transactions, affiliate payout requests, and non-custodial Visa card funding.

• If your device fails attestation, financial features will be suspended until the issue is resolved
• Attestation is verified server-side — the App cannot override or bypass this check
• Portfolio viewing and read-only features may continue on devices that fail attestation, at your own risk

Tiered Enforcement

If the App or our servers detect that your device’s security has been compromised, the following enforcement tiers apply:

• Tier 1 — Portfolio Features (Free/Pro without Secure Vault): You will receive a warning that your device security has been modified and that Bulisolio cannot guarantee data protection. You may continue using read-only portfolio features at your own risk.
• Tier 2 — Secure Vault and Financial Features (Premium with Secure Vault): Vault creation is refused on compromised devices. If you already have a Secure Vault, all financial operations (loan origination, repayment, transfers, card funding) are suspended. Your existing loans, payment obligations, and escrow contracts continue unaffected on-chain.
• Tier 3 — Post-Compromise Detection (existing vault, device subsequently modified): If your device passes attestation at vault creation but subsequently fails (for example, after a jailbreak or root), all vault operations are locked at the next financial transaction attempt. You will be prompted to migrate your Secure Vault to a device with unmodified security using the 2-of-3 MPC recovery process. Loan payment obligations do not pause during migration.

Remote Device Revocation

If your device is lost, stolen, or compromised, you may remotely revoke the device’s access to your Secure Vault using any of the following methods:

• Recover your account on a new device using 2-of-3 MPC shard recovery (Identity Shard + Recovery Phrase), then revoke the old device through the App’s Settings menu
• Contact Bulisolio support at support@bulisolio.com and request an emergency device revocation
• Use Concierge Voice on a new device after recovery to issue the revocation command

Once a device is revoked:

• Its attestation credentials are permanently blocklisted on our servers
• All active sessions associated with that device are immediately invalidated
• No financial transactions can be initiated from the revoked device, even if the attacker has extracted cryptographic material from it
• A new Hardware Shard (Shard 2) is generated on the replacement device during recovery, and the old Hardware Shard is cryptographically rotated out of the 2-of-3 signing set

Desktop Verification (macOS & Windows)

macOS and Windows do not provide hardware-backed remote attestation APIs equivalent to Apple App Attest (iOS) or Google Play Integrity (Android). To maintain comparable security on desktop platforms, Bulisolio uses an alternative multi-layer verification model:

• Hardware security baseline: The App checks that your device’s hardware security features are active — Secure Enclave and System Integrity Protection (SIP) on macOS; TPM 2.0 and Secure Boot on Windows. If these features are disabled or unavailable, financial features may be restricted.
• App binary integrity: At startup, the App computes a cryptographic hash of its own executable and reports it to our servers. Our servers maintain a list of known-good hashes for each released version. If the hash does not match, the App may have been tampered with, and financial features will be suspended.
• Environment fingerprinting: When you first register a desktop device, the App records a non-personally-identifiable hardware profile (for example, whether a TPM is present, whether the App is running in a virtual machine). If this profile changes significantly between sessions, financial features will require re-verification.
• Step-up authentication for financial operations: Because desktop devices cannot provide silent hardware attestation, each financial transaction on macOS or Windows requires an explicit authentication step: biometric confirmation (Touch ID on Mac, Windows Hello) or a one-time passcode from an authenticator app or hardware security key. This replaces the silent per-transaction attestation that mobile devices perform automatically.

Your Responsibilities

You are solely responsible for:

• Maintaining your device in an unmodified, manufacturer-supported security state
• Promptly reporting lost or stolen devices by revoking access through the methods described above
• Keeping your Apple ID / Google Account credentials secure, as they protect the Identity Shard
• Safeguarding your 12-word Recovery Phrase in a secure, offline location

Bulisolio is not liable for losses resulting from the use of modified or compromised devices, delayed device revocation, or failure to secure your identity credentials. Loan payment obligations continue regardless of device status, and failure to make mandatory minimum payments due to device suspension may trigger the delinquency and escrow enforcement provisions described in Sections 9A and 9B.

12 Third-Party Services

The App integrates with third-party services including but not limited to:

• CoinGecko: Price data and market information
• Blockchain explorers: Balance and transaction data per chain
• Base network: Smart contracts for loans
• Chainlink oracles: Price feeds for loan liquidation thresholds
• Spectral Finance: On-chain credit scoring for Class 2, 3, and 4 delegated loans
• Coinbase / Ethereum Attestation Service (EAS): Identity attestation for Class 3 and 4 loans
• WalletConnect: Crypto transfers
• Gnosis Pay / Holyheld: Non-custodial Visa card spending
• OneSignal: Push notifications
• Payment processors: Subscription billing
• Apple App Attest / Google Play Integrity: Device security attestation for financial transaction authorization (see Section 11A)
• Touch ID (macOS) / Windows Hello: Biometric step-up authentication for desktop financial operations (see Section 11A)

These services are governed by their own terms of service and privacy policies. We are not responsible for the availability, accuracy, or conduct of third-party services. Disruption to a third-party service may affect App functionality.

13 Intellectual Property

The Bulisolio App, including its design, code, graphics, brand assets, and content, is owned by Bulisolio LLC and is protected by copyright, trademark, and other intellectual property laws. Nothing in this Agreement transfers any intellectual property rights to you.

The Bulisolio CLI tool is open source under the MIT licence. Its licence terms are contained in the GitHub repository.

You retain all rights to your own data (wallet addresses, notes, custom labels) that you input into the App.

14 Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP AND SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, RELIABILITY, OR NON-INFRINGEMENT.

We do not warrant that:

• The App will be uninterrupted, error-free, or secure at all times
• Price or balance data will be accurate, complete, or up to date
• Loan proceeds will be disbursed without delay
• Smart contracts will function as expected
• The App will meet your specific requirements
• Any defects will be corrected

DELEGATED LOAN AND ESCROW DISCLAIMER: Bulisolio does not guarantee the availability of the Delegation Reserve, the approval of any delegated loan draw, the continuity of escrow contract functionality, or the accuracy of Spectral Finance credit scores. Smart contract audits reduce but do not eliminate the risk of contract bugs. On-chain transactions executed by escrow contracts may be irreversible. Collateral liquidation resulting from escrow delinquency is an automated on-chain process that may occur without additional human review.

FINANCIAL DISCLAIMER: Bulisolio is not a financial advisor. Nothing in the App constitutes investment, tax, or legal advice. Cryptocurrency investments carry substantial risk. Loans may result in loss of collateral. Consult qualified professionals before making financial decisions.

15 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL BULISOLIO LLC, ITS OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, CRYPTOCURRENCY ASSETS, COLLATERAL LIQUIDATION, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP OR LOAN FEATURES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

In jurisdictions that do not allow the exclusion or limitation of certain damages, our liability is limited to the maximum extent permitted by law.

ESCROW AND DELEGATED LOAN SPECIFIC LIMITATION: Bulisolio's liability arising from escrow smart contract failures, incorrect delinquency determinations, unilateral contract close errors, Spectral Finance score inaccuracies, EAS attestation failures, or Delegation Reserve suspension is expressly excluded from general liability to the maximum extent permitted by law. Where such liability cannot be fully excluded, it is limited to the return of any Concierge commission charged on the affected draw.

Our total aggregate liability to you for any claims arising under this Agreement shall not exceed the greater of (a) $100 USD or (b) the total subscription fees you paid to us in the 12 months preceding the claim.

16 Indemnification

You agree to indemnify, defend, and hold harmless Bulisolio LLC and its officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the App in violation of this Agreement
• Your violation of any applicable law or regulation
• Your violation of any third party's rights
• Any content you submit through the App (feature requests, coin requests, bug reports)
• Your use of loan features and collateral liquidation
• Failure to repay loans or maintain loan health
• Failure to make mandatory minimum payments on Class 2, 3, or 4 delegated loans
• Collateral liquidation resulting from your delinquency on escrow smart contracts
• Any claims by third parties arising from your use of LALoC proceeds
• Misrepresentation of your LALoC eligibility status (Legend tier, Premium subscription, EAS attestation)

17 Termination

By you: You may terminate this Agreement at any time by deleting your account and uninstalling the App. You may request deletion of your account using the in-App cancellation features or alternatively, contact us at cancellation@bulisolio.com.

By us: We may suspend or terminate your access to the App at any time, with or without notice, for any reason including violation of this Agreement, suspected fraud, device integrity failure (see Section 11A), or discontinuation of the Service. In the event we terminate your paid subscription without cause, we will provide a pro-rata refund for the unused portion of your current billing period.

Active Loans: If you have active loans at termination, you remain obligated to repay them. Failure to do so may result in collateral liquidation.

Device Revocation on Termination: Upon account termination, all devices associated with your account are automatically revoked. No financial transactions can be initiated from any previously authorized device. If you have a Secure Vault, you retain access to your funds through direct blockchain interaction using your MPC shards, but Bulisolio’s platform will no longer facilitate transactions on your behalf.

Open Delegated Loan Draws (Classes 2, 3, 4): If you have open Class 2, 3, or 4 escrow contracts at the time of termination — regardless of whether termination is voluntary or by the Company — all outstanding draw balances remain due and payable per their original escrow contract terms. Mandatory minimum payment obligations continue unaffected by account termination. Delinquency on open draws after termination will trigger the escrow contract's automated timelock and collateral liquidation as described in Section 9B. Bulisolio is not required to provide additional notice or opportunity to cure after the cure window expires, even if your account has been terminated.

LALoC Facility Termination: Upon termination of your affiliate account or Premium subscription, your LALoC facility is immediately suspended for new draws. All open LALoC escrow contracts remain active and must be repaid in full. Repayment of all open draws is a condition precedent to complete account closure.

Upon termination, all licences granted to you under this Agreement immediately cease. Sections 14, 15, 16, and 18 survive termination.

18 Governing Law & Disputes

This Agreement is governed by the laws of the State of Utah, United States of America (U.S.A.), without regard to its conflict of law provisions. You consent to the exclusive jurisdiction of the state and federal courts located in Salt Lake County, Utah, U.S.A. for any disputes arising under this Agreement.

Informal resolution: Before initiating any legal proceeding, you agree to first contact us at legal@bulisolio.com and provide a written description of your dispute. We will attempt to resolve it informally within 30 days.

Class action waiver: To the extent permitted by law, you waive your right to participate in a class action lawsuit or class-wide arbitration against the Company.

19 Changes to These Terms

We may update this Agreement from time to time. When we do, we will:

• Update the "Effective Date" at the top of this page
• Send an in-app notification and email to registered users
• Provide at least 14 days' notice before material changes take effect

Your continued use of the App after the effective date of revised terms constitutes your acceptance of those terms. If you do not agree, you must stop using the App and may request account deletion.

20 Contact Information

Questions about these terms? Contact us:

• General: support@bulisolio.com
• Legal: legal@bulisolio.com
• Security: security@bulisolio.com
• Billing: billing@bulisolio.com
• U.S. Snail Mail: Bulisolio LLC, Salt Lake City, Utah, U.S.A.