Terms and Condition

Explore the detailed terms and conditions governing your use of Homnifi's services. Stay informed about our policies and legal guidelines.

Last Updated: September 2025

Welcome to the Homnifi Platform (the “Platform”, referring to the domain https://homnifi.com/ and https://app.homnifi.com). These Terms and Conditions (“Terms”) constitute a legally binding agreement between Homnifi International LTD ("Homnifi", "We", "Our", "Us") and you, the user ("User", "you", "your"), governing the use of all services, content, features, and applications available through the Platform, including all domains associated with Homnifi (collectively, the "Services"). The Platform offers a suite of features designed to facilitate digital asset transactions, streamline user interactions, and ensure compliance with applicable regulatory standards.

These Terms explain how the User may use the Platform and any of its content. You shall read these Terms carefully before using our Platform. By accessing or using the Platform, you agree to abide by these Terms and explicitly acknowledge and accept the potential risks linked to digital assets and derivatives. Homnifi holds no responsibility for any adverse outcomes resulting from your Platform usage.

If you do not agree to these Terms, you must immediately cease using the Platform. These Terms incorporate, by reference, the Privacy Policy and any other policies or guidelines we provide (available at https://docs.homnifi.com/). All versions of these Terms provided in different languages are legally binding, but in case of inconsistencies, the English version shall prevail.

1. DEFINITIONS

1.1. “Account”: means the user profile and account created on the Homnifi to use the Services offered by the Platform.

1.2. “Homni Access”: refers to the Client Membership, which grants access to essential features of the Platform, subject to the payment of an annual fee. The applicable fee will be disclosed on the Partner Website at the time of subscription.

1.3. “Internal Virtual Points”: means various digital points (e.g., USDK, USDK PROMO, USDK-W, USDK-C, cLFi, cLFi-R, cLFi-W, ScLFi, mLYK, sLYK, GIFT, among others) used exclusively within the Platform for the purposes of accessing, utilising, and enhancing the array of services, products, and features available.

1.4. “Software Licence”: means a grant issued by Homnifi (as the holder of intellectual property rights) in the form of non-fungible tokens (NFTs), entitling the User to use specific products and services on the Platform. This License can be acquired exclusively using USDKtokens.

1.5. “LYK Token”: means the native token of the Platform, used for accessing services and products within the Homnifi ecosystem.

1.6. “USDK”: means a virtual point with a value of 1 (one) United States dollar, utilised for transactions within the Platform.

1.7. “Partner Websites”: means websites hosted by third parties that provide services that are accessible through links or integrations within the Platform.

2. ELIGIBILITY

2.1. To use the Platform, you must be at least 18 (eighteen) years old and legally capable of entering into binding contracts. If you are a legal entity, you must have the necessary corporate authority to agree to these Terms. By using our Platform and Services, you confirm that you meet this requirement.

2.2. Your use of the Platform must comply with the laws of your jurisdiction. Homnifi is not responsible for ensuring that the Platform is available or legal in all territories. You are solely responsible for ensuring that your use of the Platform is compliant with local laws.

2.3. Certain services or features may have additional eligibility requirements. You are solely responsible for ensuring that your use of our Platform or Services does not violate any applicable laws, including sanctions imposed by international authorities such as the Office of Foreign Assets Control (OFAC) and the Financial Action Task Force (FATF).

2.4. Homnifi reserves the right to deny access to the Platform or the Services to individuals or entities that are on restricted lists, such as those imposed by the OFAC, FATF, or other regulatory bodies.

3. ACCEPTANCE OF TERMS

3.1. These general Terms govern the decentralised Web3 services provided by Homnifi, a limited liability company incorporated and registered under the laws of the British Virgin Islands, to its Users through the Platform.

3.2. By accessing or registering on the Platform, you agree to these Terms in full. Any continued use of the Platform following modifications or updates to these Terms constitutes your acceptance of the revised terms.

3.3. If you access certain portions of the Platform or Services that are governed by additional terms, those terms shall supplement these Terms. In the event of any conflict, the additional terms will prevail concerning the specific portions of the Platform or Services they govern.

3.4. By using the Platform or continuing to engage with NodeK or CloudK services, you agree to be bound by all applicable Agreements, including (i) the CloudK Minting Agreement, (ii) the NodeK Minting Agreement, and, where applicable, (iii) the Migration Agreement. These Agreements collectively govern your rights, minting entitlements and responsibilities across the Platform. In the event of any conflict between these Terms and any such Agreement, the terms of the relevant Agreement shall prevail solely with respect to its subject matter.

4. ACCOUNT REGISTRATION, SECURITY AND MEMBERSHIP

4.1. In order to be eligible to access the features and services of the Platform, you must create an account by providing accurate information, including your email address and other details required for registration. You must pay the Homni Access membership fee upon registration to access the Platform's full functionalities (payment due from the signing up). Upon registering as a User, e-mail confirmation is required to ensure the authenticity of the provided e-mail address.

4.2. Upon log in, you must enter your registered e-mail address and password. You are solely responsible for maintaining the confidentiality of your account credentials (e.g., password, private keys). You must set up and use multi-factor authentication (MFA or 2FA) to enhance security. Homnifi will not be liable for any unauthorised transactions, and you accept all risks associated with failing to secure your account.

4.3. The Homni Access membership is subject to an annual fee, which is processed exclusively through the Partner Website, Horysmall. To retain uninterrupted access to the full range of Platform features, the membership must be renewed annually. Users will be notified in advance of the upcoming expiry for renewal.

Failure to renew the membership within the designated grace period may result in the suspension of the account or restricted access to certain Platform features. The scope of such limitations, as well as continued eligibility for benefits, may vary depending on the specific membership type.

In the event of a delayed renewal for memberships expiring on or before 31 May 2025, the new membership term may be deemed to commence from the original expiry date, irrespective of the actual payment date. Conversely, for memberships expiring after 31 May 2025, the renewed membership term shall commence from the actual date of renewal, unless expressly stated otherwise. In either case, access to Platform features will remain restricted until the membership fee is duly paid and the account is reinstated to active status.

Please note that any rewards, commissions, or other membership benefits missed during the inactive period will not be recoverable or retroactively applied following reactivation.

We reserve the right to revise the Homni Access membership pricing at our sole discretion, at any time and without prior notice. Any such revised pricing shall become effective upon its publication on the Partner Website, unless otherwise stated. Continued use of the membership or failure to cancel prior to renewal shall constitute acceptance of the updated pricing terms.

5. AML/KYC COMPLIANCE

5.1. Homnifi is committed to complying with all Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. To this end, Homnifi may request further information from you, including personal details and verification documents and you must provide accurate, complete, and verifiable information when requested.

5.2. Homnifi reserves the right to verify user information for compliance purposes. If you fail to provide required information or fail verification, your account may be restricted or terminated. Homnifi may, at its discretion, suspend transactions or freeze assets if it suspects illegal activities.

5.3. You authorise Homnifi to verify your identity through third-party service providers. Failure to provide required KYC documentation or to pass our verification checks may result in restrictions on your account, including the suspension of transactions or freezing of assets.

5.4. Types of Documentation (non-exhaustive list for exemplification purposes, documents and information may vary):

5.4.1. Personal Documents – for individual users, the following documents may be requested as part of the AML/KYC verification process:

5.4.1.1. Government-Issued Photo ID: passport, national identity card, or driver’s licence;

5.4.1.2. Proof of Address: utility bill, bank statement, or government correspondence (issued within the last 3 (three) months) showing the user's full name and residential address;

5.4.1.3. Selfie with ID: a photograph of the user holding their government-issued photo ID to verify identity;

5.4.1.4. Date of Birth Verification: document confirming the user’s date of birth, such as a birth certificate, passport, or national ID card;

5.4.1.5. Source of Funds: documentation proving the legitimate origin of the funds to be used or deposited on the Platform, such as a bank statement, pay slip, or tax return.

5.4.2. Corporate Documents – for users representing legal entities or businesses, the following corporate documentation may be requested as part of the AML/KYC verification process:

5.4.2.1. Certificate of Incorporation: official certificate proving the registration of the company with the relevant authorities;

5.4.2.2. Articles of Association/Bylaws: documentation outlining the governance structure and operating rules of the entity;

5.4.2.3. Company Extract or Registry Certificate: proof of company registration from the applicable national business registry, including the company’s directors, officers, and shareholders;

5.4.2.4. Proof of Business Address: recent utility bill, bank statement, or lease agreement issued to the company’s registered business address;

5.4.2.5. Proof of Ownership/Shareholding: documents showing the ownership structure of the company, such as share certificates or shareholder agreements;

5.4.2.6. List of Directors and Officers: a complete list of the company’s directors and officers, including their names and positions;

5.4.2.7. Ultimate Beneficial Owner (UBO) Declaration: a declaration identifying the ultimate beneficial owners of the company, i.e., individuals who own or control a significant percentage of the business;

5.4.2.8. Financial Statements: recent audited financial statements, bank statements, or tax returns that demonstrate the company's financial standing; and

5.4.2.9. Business Licence: if applicable, proof of the entity's authorization to conduct business activities in its jurisdiction.

5.5. The passing of the KYC/AML requirements is mandatory for Users to get full access to all the functionalities of the Platform and the Services.

5.6. The collection and use of personal data during the KYC/AML process is governed by the Privacy Policy, available at https://docs.homnifi.com/legal-docs/privacy-and-cookies.

6. WALLET AND TOKEN MANAGEMENT

6.1. Non-Custodial Nature: the Platform operates as a non-custodial wallet (“Platform Wallet”), meaning Users retain full control over their tokens, including but not limited to LYK, mLYK, and sLYK. Homnifi does not hold or store tokens on behalf of Users.

6.2. Deposits and Withdrawals: you can deposit tokens into your Platform Wallet by transferring them from external sources, and you may withdraw tokens to external wallets (following a withdrawal request on the Platform). Withdrawal requests are subject to a flat network fee and a percent-based commission. Withdrawals will be processed via smart contracts, and Homnifi is not liable for delays caused by network congestion or technical failures. The tokens Users are allowed to withdraw are USDK-W, sLYK and LYK-W.

6.3. Internal Transfers: you may conduct internal transfers between Users on the Platform. These transfers are instant and secure, but Homnifi does not guarantee the completion of transactions initiated by external factors (e.g., third-party networks or smart contract errors).

6.4. Additional Tokens: Homnifi reserves the right to introduce or discontinue additional tokens at any time. Any changes to the tokens in use will be posted on the Homnifi website under the section “Wallet on Homnifi” (available at https://homnifi.com/).

6.5. Unauthorised Token Transactions: Homnifi disclaims all liability for unauthorised token transactions facilitated by third-party websites or platforms not affiliated with Homnifi. Any third-party website or service that facilitates the assignment, transfer, or sale of the Platform’s tokens, or that claims to handle transactions involving the Platform’s tokens (and is not expressly authorised by Homnifi within these Terms), is not affiliated with or endorsed by Homnifi. Homnifi disclaims any legal or commercial relationship with such third-party websites or services

6.6. By activating the GAS LYK Wallet (“Gas Wallet”) on the Platform, you agree to the following Terms and Conditions. Please read them carefully before proceeding.

6.6.1. Purpose of the Gas Wallet: The Gas Wallet is provided to help you seamlessly manage gas fees for blockchain-based operations performed on the Platform and its associated protocols. It is pre-configured to ensure smooth execution of your on-chain activities without requiring manual gas payments each time.

6.6.2. Automatic Gas Fee Deductions: When you initiate an on-chain action (e.g., staking, linking, claiming, governance participation), the required gas fees will be automatically deducted from your Gas Wallet balance. This automated deduction process is essential to ensure timely and uninterrupted transaction execution.

6.6.3. Refills and Balance Requirements: You are responsible for maintaining a sufficient balance in your Gas Wallet to cover the gas fees associated with your intended activities. If your balance is low or insufficient, certain features or transactions may be delayed, queued, or disabled until a refill is completed. You can top up the Gas Wallet via the Platform using supported funding options.

6.6.4. Gas Wallet Usage Conditions: The Gas Wallet is designed solely for use within the Platform. It may not be used for sending, receiving, or storing tokens beyond its intended operational scope. Gas fee usage is strictly limited to enabling protocol functions authorized by you through Platform interactions.

6.6.5. Platform Adjustments and Notifications: Homnifi may update gas fee thresholds, deduction logic, or refill mechanisms to adapt to network changes or platform improvements. Whenever possible, such changes will be reflected in the interface or communicated through platform alerts.

6.6.6. Acknowledgment and Consent: By continuing, you acknowledge and accept that gas fees will be auto-debited from your Gas Wallet as required to support your on-chain operations. You understand and agree that maintaining a sufficient balance is your responsibility to ensure successful execution of actions on the Platform.

7. ACCESS TO PRODUCTS AND FEATURES

7.1. Homnifi operates as an interface that facilitates the connection and visualisation of several Partner Websites products and services. Homnifi does not offer products or services of its own but acts as a platform enabling access to various applications from a single interface.

7.2. By using the Platform and these Partner Websites services, Users agree to be bound by these Terms and any applicable terms of Partner Websites (before interacting with those services). Homnifi connects Users with various third-party services, including:

7.2.1. Horysmall

Homnifi facilitates the shopping features available on the Horysmall section of the Platform. Through Horysmall, Users can engage in purchasing products and making payments. Payment options include, but are not limited to, USDK Balance and USDK PROMO. Additionally, Users have the flexibility of utilizing a combination payment method, allowing multiple currencies to be used for payment. Please note that the commission points and volume points associated with combination payments may be adjusted at the sole discretion of Horysmall. For further details regarding accepted currencies, visit http://app.homnifi.com.

For information on payment methods and applicable commission points, refer to the Horysmall documentation website available on https://docs.horysmall.com/horys-mall/purchasing-products. Website: www.horysmall.com.

7.2.3. Rampstarter

Rampstarter is a feature that allows users to access and support high-potential blockchain projects. With Web3 accessibility, Rampstarter provides users with tools to analyse vetted crypto and blockchain ventures. Users can support projects based on their individual goals and preferences in the Web3 space.

Website: https://rampstarter.com/.

7.2.4. QuantWise

QuantWise is a platform providing Users with resources and tools for education and market analysis in the cryptocurrency industry. QuantWise offers live training, industry reports, and market updates. Through advanced AI-driven tools, QuantWise helps Users make smarter decisions and stay at the forefront of the evolving crypto market. Website: https://quantwise.ai/.

7.2.5. CloudK 2.0

CloudK 2.0 is an internal feature of the Platform that provides blockchain support services through the CloudK protocol. By combining physical hardware and LYK tokens for a specified period, CloudK 2.0 supports the operations of the blockchain network. The service issues daily minting rewards to participants and provides an option for reallocating rewards to promote organic growth while enhancing security and decentralisation of the network.

Website: https://layerk.com/.

7.2.6. NodeK 2.0

NodeK 2.0 operates similarly to CloudK 2.0, offering blockchain network support via the NodeK protocol. This service involves physical hardware combined with LYK tokens and distributes daily minting rewards to participants. The rewards can be reallocated to foster organic growth and reinforce security and decentralisation.

Website: https://layerk.com/.

7.3 Homnifi may charge a recurring maintenance fee to Users in connection with the use of certain products or services accessible through the Platform, including but not limited to fees related to hardware upkeep, infrastructure support, or associated operational expenses. The amount, frequency, and applicability of such maintenance fees shall be determined solely by Homnifi and may be revised from time to time at Homnifi’s discretion. Homnifi shall provide Users with reasonable notice, through the Platform or via other means of communication reports, of any changes to applicable maintenance fees. Continued use of the Platform and its associated services after such notice constitutes acceptance of the revised fees.

7.4. By accessing and using the third-party services and applications through the Platform, you agree to comply with these Terms and the terms and conditions of those services in their entirety. Users acknowledge that they have read, understood, and agreed to all terms and obligations contained herein, and are required to comply with all the specifications and terms set out by both Homnifi and the Partner Websites. Homnifi does not control or guarantee the performance or legality of third-party services.

7.5. In order to access all of the features and platforms mentioned above, users are required to pay the Homni Access membership fee. Without payment of this fee, access to full platform functionality and third-party services will be restricted. Homnifi reserves the right to suspend access to any features if the membership fee is not paid.

8. EXTERNAL APPS MARKETPLACE

8.1. External Applications

Homnifi facilitates access to external applications (e.g., Web3 applications). These third-party apps are not controlled by Homnifi, and Homnifi makes no representations regarding their security, reliability, or legality.

8.2. Assumption of Risk

By using external apps, you acknowledge that such apps are outside of Homnifi's control. Homnifi disclaims all responsibility for any loss, damage, or security breaches arising from the use of external applications.

9. REFERRAL PROGRAM

9.1. From time to time, Homnifi may offer Users the opportunity to participate in referral programs or promotional campaigns (each a “Referral Program”). Participation in any Referral Program is subject to these Terms and any additional rules or guidelines issued by Homnifi from time to time.

9.2. By participating in a Referral Program, you agree that you will not, directly or indirectly, engage in, promote, or take part in any referral or promotional program provided by any business, project, or platform that offers services or products substantially similar to, or in competition with, those of Homnifi (“Competing Referral Program”).

9.3. Homnifi reserves the right, at its sole discretion, to disqualify you from the Referral Program, revoke any rewards granted, and suspend or terminate your access to the Platform or Services if you are found to be participating in a Competing Referral Program, or if such conduct is reasonably suspected.

9.4. Homnifi further reserves the right to interpret and determine what constitutes a Competing Referral Program and may amend the eligibility criteria at any time without prior notice.

9.5. Rewards, if any, provided under a Referral Program, are subject to change or cancellation at Homnifi’s sole discretion.

10. PAYMENT METHODS AND TRANSACTION FEES

10.1. Payment Options: Users may use USDK and other tokens supported by the Platform to make payments for products and services. Combination payments using multiple currencies are allowed but are subject to commission adjustments at Homnifi’s discretion.

10.2. Transaction Fees: all transactions, including internal transfers and withdrawals, are subject to network fees and commission charges as applicable.

11. COMPUTER DEVICE ACQUISITION

11.1. Users may acquire computer devices via the In-House method (device operated by the Platform) or the Delivery/Pick Up method (device delivered to/picked up by the User). Fees associated with these methods will be disclosed at the time of acquisition. Homnifi disclaims all liability for delays or issues arising during the shipping or setup of computer devices.

11.2. Payment of the applicable shipping or delivery fee is mandatory in order to support the LayerK decentralized network of devices, which underpins the utility and scalability of the project and its community. Users are granted a 60 (sixty) day period from the date of purchase to settle the shipping or delivery fee for their respective devices. Failure to make the required payment within this period shall result in the suspension of minting rewards associated with the device until the outstanding fee is paid. No retroactive or back-pay of such rewards will be made once the fee has been settled.

11.3. In addition to the payment options outlined above, Homnifi may provide Users with subsidized payment arrangements linked to device acquisition, including but not limited to the 20/80 NodeK Plan described under Clause 12 below. Participation in such arrangements shall be subject to the specific conditions of the relevant Plan, which prevail in case of conflict with this Clause.

11.4. The computer device and/or extensions provided to the Users, whether through delivery or pick-up, may differ in appearance, design, technical specifications, or quantity from the representations shown on the Homnifi platform or at the time of purchase.

11.5. Homnifi reserves the right, at its sole discretion, to substitute the acquired device with the most current version or available stock, including upgraded or different-generation models, as supported by the Platform at the time of fulfillment. Such substitutions shall not be deemed a breach of agreement and shall be considered acceptable fulfillment of the purchase.

12. 20/80 NODEK PLAN

12.1. Homnifi may, at its sole discretion, offer Users the option to acquire NodeK minting machines through a subsidized payment arrangement known as the “20/80 NodeK Plan”. Under this Plan, the User pays 20% (twenty percent) of the purchase price upfront, while the remaining 80% (eighty percent) (the “Deferred Amount”) is deferred.

12.2. By selecting the 20/80 NodeK Plan, the User acknowledges and agrees that:

12.2.1. the Deferred Amount shall be repaid through the automatic deduction of daily minting rewards generated by the respective NodeK device;

12.2.2. such deductions will continue until the full Deferred Amount has been recovered by Homnifi; and

12.2.3. during the repayment period, the User shall receive only the residual portion of rewards, if any, after applicable deductions.

12.3. Repayment is device-specific and linked to the NodeK machine purchased under this Plan. If multiple NodeK machines are acquired under the 20/80 NodeK Plan, the repayment obligation and reward deductions shall apply proportionately and independently to each corresponding device.

12.4. Homnifi reserves the right to suspend reward withdrawals or access to minting functions for any device enrolled under the 20/80 NodeK Plan if:

12.4.1. the repayment system is tampered with; or

12.4.2. the User attempts to circumvent deduction logic via fraudulent or technical means.

12.5. For transparency purposes, Homnifi may display repayment progress and current balance information on the User’s Platform dashboard. By accepting the 20/80 NodeK Plan, the User consents to such disclosure.

12. RISKS

12.1. By accessing the Platform and the Services, Users acknowledge and accept the inherent risks associated with the use of the Platform and the Services. Homnifi diligently strives to furnish state-of-the-art systems and implement robust security measures. Nonetheless, certain issues and risks are unavoidable. If such issues or problems arise in connection with your use of our Platform or the Services, resolution timelines may vary, and certain issues may remain unresolved. By agreeing to these Terms, you acknowledge that Homnifi is not responsible for the aforementioned risks and shall not be held liable for such issues or any resulting losses.

12.2. Users are solely responsible for assessing the Services prior to utilisation, and all transactions facilitated through the Services are final, irreversible, conclusive, and non-refundable. The Services may be disabled, disrupted, or adversely affected by sophisticated cyber-attacks, increases in activity, computer viruses, and/or other operational or technical challenges, among other factors. Homnifi explicitly disclaims any ongoing obligation to notify Users of all potential or emerging risks associated with the access to or use of the Platform or the Services. By utilising the Platform and the Services, Users acknowledge and accept these risks, and they agree not to hold Homnifi liable for any resulting losses or damages.

12.3. Users further acknowledge and accept that certain elements of the Platform, including the economic mechanisms underlying the LayerK ecosystem - such as its tokenomics, inflation models, and minting algorithms - are subject to future modifications, updates, or amendments through decisions enacted by a decentralised autonomous organisation (DAO) governance structure. Homnifi does not control such governance mechanisms and shall bear no liability for any changes, consequences, or outcomes resulting from such decentralised governance decisions, including but not limited to any adjustments impacting token supply, utility, or value.

12.4. For further information on Homnifi’s associated risks, please refer to our Risk Disclosure Policy available at https://docs.homnifi.com/legal-docs/risk-disclosure.

13. INTELLECTUAL PROPERTY RIGHTS

13.1. All intellectual property rights, including but not limited to copyrights, trademarks, design rights, patents, and trade secrets, in the Platform and Services are owned by Homnifi or our licensors. You are granted a limited, non-exclusive, non-transferable, and revocable software licence to use the Platform and Services for your personal, non-commercial use only.

13.2. You may not reproduce, modify, distribute, create derivative works from, reverse-engineer or use any part of the Platform for commercial purposes without prior written consent from Homnifi. Unauthorised use may result in the termination of your account and legal action.

14. PROHIBITED ACTIVITIES

14.1. As a condition of using the Platform and the Services, Users agree not to:

14.1.1. Use the Platform or the Services for any unlawful purposes or in violation of any applicable laws.

14.1.2. Misuse or attack the Platform by knowingly introducing viruses, trojans, worms, logic bombs, or any other material that is malicious or technologically harmful (such as but not limited to denial-of-service attack).

14.1.3. Post false, inaccurate, misleading, defamatory, unlawful, harassing, libellous, privacy-invading, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable content on our Platform or through our Services and in any other kind of social media platforms or private websites.

14.1.4. Use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, licence, sell, or otherwise exploit, for any purpose, any content of the Platform not owned by them in a way that violates someone else’s rights.

14.1.5. Impersonate another person or entity or misrepresent your affiliation with any person or entity.

14.1.6. Attempt to gain unauthorised access to our Platform, the server on which our Platform is stored, or any server, computer, or database connected to our Platform.

15. DATA PRIVACY

15.1. The collection and use of personal data are governed by our Privacy Policy available at https://docs.homnifi.com/legal-docs/privacy-and-cookies. By using the Platform or the Services, you consent to our collection, processing, and use of personal data in accordance with the Privacy Policy.

15.2. Homnifi takes all necessary steps to protect your data but cannot guarantee that unauthorized third parties will not be able to circumvent our security measures.

16. PARTNER WEBSITES AND SERVICES

16.1. The Site contains links to Partner Websites and third-party services that are not owned or controlled by Homnifi. Homnifi is not responsible for the content, privacy policies, or practices of third-party websites or services.

16.2. Homnifi makes no representations or warranties about the reliability of Partner Websites or third-party services, and Users should review third-party terms and conditions before using such services.

17. WARRANTIES DISCLAIMER

17.1. Homnifi provides the Platform and the Services “as is” and “as available” and makes no warranties of any kind, express or implied, regarding its functionality, merchantability, security, reliability, fitness for a particular purpose or non-infringement. Users assume all risks associated with the use of the Platform, the Services and the Digital Assets.

17.2. Homnifi does not warrant that (i) the Platform will function uninterrupted, secure, or available at any particular time or location, or will be error-free or free of harmful components; (ii) any errors or defects will be corrected; (iii) the Platform is free of viruses or other harmful components; (iv) any content and data will be secure or not otherwise lost or damaged; (v) the results that may be obtained from the use of the Services will be accurate or reliable; or (vi) the results of using the Platform will meet your requirements or expectations. You assume all risks associated with the use of the Platform or the Services, including but not limited to the risk of data loss or exposure due to security breaches or software bugs.

18. ACCURACY OF INFORMATION

18.1. Homnifi endeavours to ensure the accuracy, currency, and bug-free nature of the Platform, but shall not be held responsible for any failure attributable to causes beyond its control. Homnifi does not guarantee that the Platform is suitable for any specific purpose. Users’ reliance on the information provided on the Platform is at their own risk.

18.2. Homnifi reserves the right to suspend or terminate access or operation of the Platform or the Services at its discretion. Any content on the Platform is for general informational purposes only, providing information about us, our products, news, features, services, and other Partner Websites services that may be of interest. However, this content has not been tailored to the Users specific requirements or circumstances and does not constitute technical, financial, legal advice, or any other type of advice. It should not be relied upon for any purpose. Users should exercise their independent judgement when using our Platform and its content.

18.3. Homnifi strives to keep the Platform and the Services available for Users, but it does not guarantee uninterrupted access or consistent availability.

19. LIMITATION OF LIABILITY

19.1. To the fullest extent permitted by law, Homnifi and its affiliates, officers, directors, employees and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or related to your use or inability to use the Platform or the Services, including but not limited to loss of revenue, profits, data or Digital Assets, even if Homnifi has been advised of the possibility of such damages.

19.2. In no event shall Homnifi’s total liability exceed the greater of the amount you have paid for the Services and the Homni Access membership fee in the last 12 (twelve) months regardless of the form of action, whether in contract, tort (including negligence), strict product liability or any other cause of action or legal or equitable theory.

20. INDEMNIFICATION

20.1. Users (herein referred to as the “Indemnifying Parties”) agree to indemnify and hold harmless Homnifi and its affiliates, officers, directors, employees and agents (herein referred to as the “Indemnified Parties”) from and against any and all claims, demands, suits, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to their (i) use of the Platform or the Services, (ii) violation of applicable laws, regulations, or governmental requirements or (iii) breaches of these Terms or infringement of any rights of another.

20.2. The Indemnifying Parties indemnification obligations are contingent upon the Indemnified Parties:

20.2.1. Promptly notify the Indemnifying Party of any claim or potential claim subject to indemnification;

20.2.2. Cooperating fully with the Indemnifying Party in the defence or settlement of any such claim; and

20.2.3. Allowing the Indemnifying Party to control the defence and settlement negotiations, provided that the Indemnifying Party acts reasonably and in good faith.

20.3. This indemnification clause shall survive the termination or expiration of these Terms. The Indemnifying Parties indemnification obligations herein are not subject to any limitation of liability or exclusion of consequential damages set forth in these Terms. This clause is a material provision of these Terms, and both parties acknowledge and agree to its significance.

21. FORCE MAJEURE

Homnifi shall not be held liable for any failure to comply with these Terms due to circumstances beyond our reasonable control, including but not limited to governmental actions, acts of terrorism, war, fires, disruptions in telecommunications or internet services, network provider issues, software malfunctions, network-wide compromises, hacking, strikes, labour disputes, accidents, civil or military disturbances, or other catastrophic events. In no Force Majeure event shall Homnifi be responsible for inaccuracies, errors, delays, omissions, service disruptions, or interruptions in the Platform or the Services, whether in transmission or delivery of information as required by these Terms.

22. TERMINATION

22.1. Homnifi reserves the right, at its sole discretion, to suspend or terminate your access to the Platform or the Services at any time, for any reason, including but not limited to a violation of these Terms or to ensure compliance with applicable law or protection of third-party rights and interests.

22.2. Users acknowledge and agree that having their access to the Platform and Services terminated for any reason may lead to loss of assets without any rights and/or reparations against the Homnifi, its shareholders, directors, employees, partners or any associated entity.

22.3. Homnifi retains the right to report individuals to the appropriate authorities, and invoke remedies as permitted by applicable laws in cases prohibited activities are identified

22.4. Upon termination, your right to use the Platform and the Services will immediately cease.

23. SEVERABILITY

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.

24. ENTIRE AGREEMENT

These Terms, together with all Homnifi’s policies and any additional terms, constitute the entire agreement between you and Homnifi concerning the use of the Platform and the Services. Any prior agreements or understandings, whether oral or written, are superseded by these Terms.

25. MODIFICATIONS TO TERMS

25.1. Homnifi is consistently engaged in the ongoing development and improvement of the Platform and the Services and reserves the right to unilaterally amend or update these Terms at any time. We will post any updates of the Terms to the Platform. Continued use of the Platform and the Services constitutes acceptance of the modified Terms.

25.2. Amendments to these Terms will take effect immediately upon posting on the Platform. It is your responsibility to review these Terms regularly to ensure you are aware of any changes.

26 DECENTRALIZED AUTONOMOUS ORGANIZATION (DAO) GOVERNANCE

26.1 Governance Scope

The LayerK Protocol and Homnifi Protocol are governed by a Decentralized Autonomous Organization (“DAO”). The DAO serves as the ultimate decision-making authority for all matters related to the development, evolution, implementation, and operation of the protocols, including but not limited to reward models, tokenomics, fee structures, validator requirements, ecosystem incentives, and platform upgrades. The DAO is not a legal entity, partnership, joint venture, or agency. Decisions are made collectively by governance token holders, and Homnifi does not unilaterally control governance outcomes.

26.2 Binding Nature of DAO Proposals

Any proposal duly passed through the DAO’s governance process via community voting shall be considered final, conclusive, and binding on all stakeholders, including token holders, platform users, contributors, and any affiliated parties upon execution via the relevant smart contract, as governed by the DAO parameters. No individual, entity, regulator, or stakeholder shall have the right to contest, override, or seek recourse against a duly enacted DAO resolution.

26.3 Participation and Voting Rights

Governance rights are granted to eligible participants holding governance tokens (GLYK) or other qualifying assets as defined by the DAO's operating framework. Voting mechanisms may include token-weighted voting, quadratic voting, or staking-based participation, as specified in the protocol’s governance documentation. Participation in voting is entirely voluntary but irrespective of participation, users acknowledge and agree to be bound by the results. These governance tokens, such as GLYK, do not confer ownership, dividends, revenue share, or profit expectations, and are not a financial product, security, or investment instrument.

26.4 Non-Liability and No Fiduciary Duty

The DAO, its contributors, developers, and affiliated platforms (including but not limited to Homnifi and LayerK), do not owe any fiduciary or legal duty to participants, voters, or stakeholders. All decisions are made on a best-effort, community-driven basis. Users participate at their own risk, and the DAO assumes no liability for outcomes of decisions made via the governance process.

26.5 Dispute Waiver

By interacting with or participating in the Homnifi or LayerK ecosystem, users expressly waive any right to challenge the DAOs’ decisions, raise claims, or seek judicial, administrative, or arbitral review of DAO proposals, regardless of perceived fairness, impact, or correctness.

26.6 DAO Framework Updates

The governance framework, eligibility rules, quorum thresholds, proposal formats, and voting windows are subject to change via the same governance process. It is the responsibility of users to stay informed of such updates by monitoring official governance channels and documentation.

27. GOVERNING LAW AND DISPUTE RESOLUTION

27.1. These Terms are governed by and construed in accordance with the laws of the British Virgin Islands without regard to conflict of law principles.

27.2. Homnifi strives to expeditiously and effectively address any disputes with Users. If the User wishes to file a complaint, kindly contact us at [email protected].

27.3. Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of the British Virgin Islands.

28. CONTACT INFORMATION

For any questions or concerns regarding these Terms, please contact Homnifi at [email protected].

General Disclaimer

Homnifi is a unified platform designed to facilitate access to Web3 through decentralized technologies.

Homnifi is not a custodial platform, financial intermediary, or investment platform. All wallets used on the Platform are non-custodial, meaning users have full and exclusive control over their private keys and digital assets at all times. Homnifi does not hold or manage any cryptocurrencies, private keys, or digital assets on behalf of users. No exchange, custody, or financial services are provided. Homnifi does not perform currency conversions, offer lending or asset management, provide financial or investment advice, facilitate capital raising or returns generation or any form of regulated financial services.

By using the Platform, users expressly acknowledge and agree that they are solely responsible for the custody, security, and management of their wallets, private keys and tokens, including any risks associated with decentralized technologies and blockchain-based transactions.

All content provided on this platform is for informational purposes only and does not constitute financial, investment, legal, or tax advice. Use of the Platform may involve significant risks. Users should conduct their own due diligence and consult with independent advisors before engaging in any activity. Homnifi does not issue, prepare, or provide any documents, statements, or certifications for tax filing or compliance purposes, including but not limited to official tax forms, income summaries, or other documentation required by tax authorities.

Use of the Platform is subject to our Terms and Conditions and Privacy Policy. Homnifi makes no representations or warranties as to the accuracy or completeness, or availability of any information or services provided and shall not be held liable for any direct or indirect loss or damage arising from reliance on the platform or its content.

Availability and functionality of services may vary by jurisdiction and are subject to applicable laws and regulations.