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StellARB : Stella's ARB Short Term Incentive Program is now live!

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Doc

Audit

Media Kit

Effective Date: May 15, 2023

Stellaxyz.io is brought to you by Alpha Finance Lab (“AFL”) and its affiliates
(collectively, “we,” “us,” or “our”) committed to creating open-source software
that empowers users' financial, social and cultural independence. Stellaxyz.io
provides information and resources about the fundamentals of the decentralized
non-custodial protocol called the Stella Protocol (the “Protocol”). Stellaxyz.io
is not one of the available access points to the Protocol.

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

LAWSUIT OR CLASS-WIDE ARBITRATION. You are entering into a binding Agreement.

BY ACCESSING OR USING OUR SERVICES, WHICH INCLUDE OUR VARIOUS WEBSITES,
INCLUDING, WITHOUT LIMITATION, STELLAXYZ.IO (AND ANY RESPECTIVE SUBDOMAINS);
APPLICATIONS (COLLECTIVELY WITH ANY MATERIALS AND SERVICES AVAILABLE THEREIN,
AND SUCCESSOR WEBSITE(S) OR APPLICATION(S) THERETO, THE “SITE”), AND OTHER
SERVICES THAT LINK TO THESE TERMS, AS WELL AS ANY INFORMATION, TEXT, LINKS,
GRAPHICS, PHOTOS, AUDIO, VIDEO, OR OTHER MATERIALS STORED, RETRIEVED OR
APPEARING THEREON, WHETHER ACCESSED THROUGH THE SITE OR OTHERWISE (COLLECTIVELY,
THE “SERVICES”), YOU ARE ENTERING INTO A BINDING AGREEMENT WITH US THAT INCLUDES
THESE TERMS, AND OTHER POLICIES REFERENCED HEREIN (COLLECTIVELY, THE
“AGREEMENT”).

To the extent that there is a conflict between these Terms and any applicable
additional terms, these Terms will control unless expressly stated otherwise. If
you don't agree with these Terms, you may not use the Services and should not
visit the Site or otherwise engage with the Services.

1. USE OF THE SERVICES

To use the Services, you must legally be able to enter into the Agreement.
By using the Services, you represent and warrant that you meet the
eligibility requirement. If you do not meet the requirement, you must not
access or use the Site or the Services.

We may update the Services and the Terms.

We may update the Services, the Agreement, and any part of the Terms at any
time, for any reason, at our sole discretion. Once any part of the
Agreement is updated and in effect, you will be bound by the Terms if you
continue to use the Services, including by accessing the Site. We may, at
any time, and without liability to you, modify or discontinue all or part
of the Services (including access to the Services via any third-party
links). You may contact us with questions about your use of the Services at
contact@stellaxyz.io. When you communicate with us electronically, you
consent to receive communications from us electronically. You should review
the Terms from time to time to ensure that you understand the terms and
conditions that apply to you when you access or use the Site.

2. SERVICES

STELLAXYZ.IO IS PROVIDED AS AN INFORMATIONAL RESOURCE.

Stellaxyz.io provides resources about the Protocol, which is a fully
decentralized, community governed protocol deployed on multiple blockchain
networks and systems, and provides information about the wider Stella
ecosystem, governance, community, and various interfaces and integrations
to the Protocol. All information provided in connection with your access
and use of the Site and the Services is for informational purposes only.
You should not take, or refrain from taking, any action based on any
information contained on the Site or any other information that we make
available at any time, including blog posts, data, articles, links to
third-party content, discord content, news feeds, tutorials, tweets, and
videos. Before you make any financial, legal, technical, or other decisions
involving the Services, you should seek independent professional advice
from a licensed and qualified individual in the area for which such advice
would be appropriate. The Services provide, or third parties may provide,
links to other sites, applications, or resources. You acknowledge and agree
that we are not responsible for the availability of such external sites,
applications or resources, and do not endorse and are not responsible or
liable for any content, advertising, products, or other materials on or
available from such sites or resources. You further acknowledge and agree
that we will not be responsible or liable, directly or indirectly, for any
damage or loss caused or alleged to be caused by or in connection with use
of or reliance on any such content, goods, or services available on or
through any such site or resource. Because the Site provides information
about the Protocol, these Terms also provide some information about the use
of the Protocol. This information is not intended to be comprehensive or
address all aspects of the Protocol. There is additional documentation on
the Site about the functioning of the Protocol or its ecosystem or
community.

WE ARE SOFTWARE DEVELOPERS IN THE PROTOCOL ECOSYSTEM.

It is important to understand that neither we nor any affiliated entity is
a party to any transaction on the blockchain networks underlying the
Protocol; we do not have possession, custody or control over any
cryptoassets appearing on the Services; and we do not have possession,
custody, or control over any user’s funds. Further, we do not store, send,
or receive any cryptoassets. You understand that when you interact with any
Protocol smart contracts, you retain control over your cryptoassets at all
times. The private key associated with the wallet address from which you
transfer cryptoassets or the private key associated is the only private key
that can control the cryptoassets you transfer into the smart contracts.
You alone are responsible for securing your private keys. We do not have
access to your private keys. Due to the non-custodial and decentralized
nature of the technology, we are not intermediaries, agents, advisors, or
custodians, and we do not have a fiduciary relationship or obligation to
you regarding any other decisions or activities that you affect when using
our Services. You acknowledge that we, for the avoidance of doubt, do not
have any information regarding any users, users’ identities, or services
beyond what is available or obtainable publicly via the blockchain. We are
not responsible for any activities you engage in when using Services, and
you should understand the risks associated with cryptoassets, blockchain
technology generally, and our Services.

THE PROTOCOL IS DEPLOYED ON MULTIPLE BLOCKCHAIN-BASED NETWORKS, AND WE ARE
NOT RESPONSIBLE FOR THE OPERATION OF SUCH NETWORKS.

The software underlying blockchain networks on which the Protocol is
deployed, including, for example, the Ethereum blockchain, is open source,
which means that anyone can use, utilize, and build on top of it. By using
the Services, you acknowledge and agree (i) that we are not responsible for
the operation of the blockchain-based software and networks underlying the
Protocol, (ii) that there exists no guarantee of the functionality,
security, or availability of that

software and networks, and (iii) that the underlying blockchain-based
networks are subject to

sudden changes in operating rules, such as those commonly referred to as
“forks”.

THIRD PROTOCOLS INTEGRATED WITH THE PROTOCOL.

Certain Services are integrated with third party protocols for lending,
borrowing, staking and other decentralized services and operations. You are
responsible or understanding all risks associated with using the Services
where integration with a third party protocol is used (e.g., C.R.E.A.M. and
Iron Bank).

TRANSACTIONS ON THE BLOCKCHAIN ARE NOT ANONYMOUS.

A widespread belief is that transactions involving blockchains are
anonymous. In fact, a central feature of blockchains and thus,
blockchain-based transactions, are that they are transparent. Your public
key and your wallet address, which you need to buy or sell items on the
blockchain, are visible to anyone. To the extent your public key or wallet
address can be linked back to you, it would be possible for someone to
determine your identity and the cryptoassets you own.

THERE MAY BE ASSOCIATED BLOCKCHAIN FEES.

All transactions using blockchains require the payment of gas fees, which
are essentially transaction fees paid on every transaction that occurs on
the selected blockchain network. Please note that gas fees are
non-refundable. We do not provide any services to users or deliver, hold,
and/or receive payment for cryptoassets. We do not receive any fees for any
transactions, the Services, or the Site.

STELLA ECOSYSTEM AND COMMUNITY CONTRIBUTORS ARE INDEPENDENT. ALL COMMUNITY
CONTRIBUTORS TO THE ECOSYSTEM AROUND THE PROTOCOL ARE INDEPENDENT OF US,
AND WE WILL NOT HAVE AND DO NOT ASSUME ANY LIABILITY OR RESPONSIBILITY FOR
THEIR ACTIONS OR OMISSIONS.

3. ASSUMPTION OF RISK

YOU ASSUME THE RISKS OF ENGAGING IN TRANSACTIONS THAT RELY ON SMART
CONTRACTS AND OTHER EXPERIMENTAL TECHNOLOGY.

Transactions on the Protocol rely on smart contracts stored on various
blockchains, cryptographic tokens generated by the smart contracts, and
other nascent software, applications and systems that interact with
blockchain-based networks. These technologies are experimental,
speculative, inherently risky, and subject to change. Among other risks,
bugs, malfunctions, cyberattacks, or changes to the applicable blockchain
(e.g., forks) could disrupt these technologies and even result in a total
loss of cryptoassets, their market value, or digital funds. You are solely
responsible for the safekeeping of the private key associated with the
blockchain address used to interact with the Protocol. We assume no
liability or responsibility for any such risks. If you are not comfortable
assuming these risks, you should not access or engage in transactions using
blockchain-based technology.

One of the other defining features of blockchain technology is that its
entries are immutable, which means, as a technical matter, they generally
cannot be deleted or modified by anyone. This includes smart contracts and
cryptoassets generated and programmed by smart contracts. THUS,
TRANSACTIONS RECORDED ON THE BLOCKCHAIN, INCLUDING TRANSFERS OF
CRYPTOASSETS AND DATA PROGRAMMED INTO THESE ASSETS (SUCH AS REVENUE

AND INTEREST ALLOCATIONS), MUST BE TREATED AS PERMANENT AND CANNOT BE
UNDONE BY US OR BY ANYONE. YOU MUST BE VERY CAREFUL WHEN YOU FINALIZE ANY
TRANSACTION THAT WILL BE RECORDED ON THE BLOCKCHAIN.

WE ARE NOT LIABLE FOR ANY THIRD-PARTY SERVICES OR LINKS.

We are not responsible for the content or services of any third-party,
including, without limitation, any network, or apps like Discord, or
MetaMask, and we make no representations regarding the content or accuracy
of any third-party services or materials.

You agree to the automated collection and disbursement of proceeds by smart
contracts. You acknowledge and agree that all transactions accessed through
the Services will be automatically processed using one or more
blockchain-based smart contracts. By engaging in transactions using the
Services, you acknowledge and consent to the automatic processing of all
transactions in connection with using the Services. You further acknowledge
and agree that the applicable smart contract will dictate how the funds of
a transaction and ownership of cryptoassets are distributed.

You acknowledge the risks of using the Services. You bear sole
responsibility for evaluating the Services before using them, and all
transactions accessed through the Services are irreversible, final, and
without refunds. The Services may be disabled, disrupted or adversely
impacted as a result of sophisticated cyber-attacks, surges in activity,
computer viruses, and/or other operational or technical challenges, among
other things. We disclaim any ongoing obligation to notify you of all of
the potential risks of using and accessing our Services. You agree to
(defined below) accept these risks and agree that you will not seek to hold
any AFL Indemnified Party responsible for any consequent losses.

YOU ARE SOLELY RESPONSIBLE FOR THE SECURITY OF YOUR WALLET.

You understand and agree that you are solely responsible for maintaining
the security of your wallet. Any unauthorized access to your wallet by
third parties could result in the loss or theft of any cryptoasset, or any
funds held in your account and any associated accounts. You understand and
agree that we have no involvement in, and you will not hold us responsible
for managing and maintaining the security of your wallet. You further
understand and agree that we are not responsible, and you will not hold us
accountable, for any unauthorized access to your wallet. It is your
responsibility to monitor your wallet.

WE RESERVE THE RIGHT TO RESTRICT YOUR ACCESS FROM ENGAGING WITH THE
SERVICES.

You agree that we have the right to restrict your access to the Services
via any technically available methods if we suspect, in our sole
discretion, that (a) you are using the Services for money laundering or any
illegal activity; (b) you have engaged in fraudulent activity; (c) you have
acquired cryptoassets using inappropriate methods, including the use of
stolen funds to purchase such assets; (d) you are the target of any
sanctions administered or enforced by the U.S. Department of the Treasury’s
Office of Foreign Assets Control (“OFAC”), the United Nations Security
Council, the European Union, Her Majesty’s Treasury, or any other legal or
regulatory authority in any applicable jurisdiction; (e) either you, as an
individual or an entity, or your wallet address is listed on the Specially
Designated Nationals and Blocked Persons List (“SDN List”), Consolidated
Sanctions List (“Non-SDN Lists), or any other sanctions lists administered
by OFAC;

(f) you are located, organized, or resident in a country or territory that
is, or whose government is,

the subject of sanctions, including but not limited to Côte d’Ivoire, Cuba,
Belarus, Iran, Iraq,

Liberia, North Korea, Sudan, and Syria; or (g) you have otherwise acted in
violation of these Terms. If we have a reasonable suspicion that you are
utilizing the Site for illegal purposes, we reserve the right to take
whatever action we deem appropriate.

WE DO NOT GUARANTEE THE QUALITY OR ACCESSIBILITY OF THE SERVICES.

As a condition to accessing or using the Services or the Site, you
acknowledge, understand, and agree that from time to time, the Site and the
Services may be inaccessible or inoperable for any reason, including, but
not limited to equipment malfunctions, periodic maintenance procedures or
repairs, causes beyond our control or that we could not reasonably foresee,
disruptions and temporary or permanent unavailability of underlying
blockchain infrastructure or unavailability of third-party service
providers or external partners for any reason.

You acknowledge and agree that you will access and use the Services,
including, without limitation, the Site at your own risk. You should not
engage in blockchain-based transactions unless it is suitable given your
circumstances and financial resources. By using the Services, you represent
that you have been, are and will be solely responsible for conducting your
own due diligence into the risks of a transaction and the underlying smart
contracts and cryptoassets.

4. TAXES

YOU ARE RESPONSIBLE FOR YOUR TAXES AND DUTIES.

Users bear sole responsibility for paying any and all taxes, duties, and
assessments now or hereafter claimed or imposed by any governmental
authority associated with their use of the Services, and/or payable as the
result of using and/or exploiting any cryptoassets and interacting with
smart contracts. Blockchain-based transactions are novel, and their tax
treatment is uncertain.

5. THE SERVICES

WE GRANT YOU A LICENSE TO USE OUR SERVICES.

Contingent upon your ongoing compliance with the Agreement, we grant you a
personal, worldwide, revocable, non-exclusive and non-assignable license to
use the software provided to you as part of our Services. The only purpose
of this license is to allow you to use and enjoy the Services solely as
permitted by these Terms.

WE MAY USE AND SHARE YOUR FEEDBACK.

Any comments, bug reports, ideas, or other feedback that you may provide
about our Services, including suggestions about how we might improve our
Services, are entirely voluntary. You agree that we are free to use or not
use any feedback that we receive from you as we see fit, including copying
and sharing such feedback with third parties, without any obligation to
you.

6. PROHIBITED CONTENT

You may only use the Services if you comply with this Agreement (including,
without limitation, these Terms), applicable third-party policies, and all
applicable laws, rules, regulations and related guidance. The following
conduct is prohibited:

* using the Services for, or to promote or facilitate, illegal activity
(including, without limitation, money laundering, financing terrorism,
tax evasion, buying or selling illegal drugs, contraband, counterfeit
goods, or illegal weapons);

* exploiting the Services for any unauthorized commercial purpose;

* uploading or transmitting viruses, worms, Trojan horses, time bombs,
cancel bots, spiders, malware or any other type of malicious code that
will or may be used in any way that will affect the functionality or
operation of the Services;

* attempting to or actually copying or making unauthorized use of all or
any portion of the Services, including by attempting to reverse compile,
reformatting or framing, disassemble, reverse engineer any part of the
Services;

* harvesting or otherwise collecting information from the Services for any
unauthorized purpose;

* using the Services under false or fraudulent pretenses or otherwise being
deceitful;

* interfering with other users’ access to or use of the Services;

* interfering with or circumventing of the security features of the
Services or any third party’s

systems, networks or resources used in the provision of Services;

* engaging in any attack, hack, denial-of-service attack, interference, or
exploit of any smart contract in connection with use of the Service (and
operations performed by a user that are technically permitted by a smart
contract may nevertheless be a violation of our Agreement, including
these Terms, and the law); or

* engaging in any anticompetitive behavior or other misconduct.

VIOLATING OUR RULES MAY RESULT IN OUR INTERVENTION. YOU AGREE AND
ACKNOWLEDGE THAT IF YOU USE THE SERVICES TO ENGAGE IN CONDUCT PROHIBITED
BY APPLICABLE LAW, PERMANENTLY RESERVE THE RIGHT TO COMPLETELY OR
PARTIALLY RESTRICT OR REVOKE YOUR ACCESS TO THE SERVICES, EITHER
COMPLETELY OR FOR A PERIOD OF TIME, AT OUR SOLE DISCRETION. WE RESERVE
THE RIGHT TO AMEND, RECTIFY, EDIT, OR OTHERWISE ALTER TRANSACTION DATA TO
REMEDIATE OR MITIGATE ANY DAMAGE CAUSED EITHER TO US OR TO ANY OTHER
PERSON AS A RESULT OF A USER’S VIOLATION OF THIS AGREEMENT OR APPLICABLE
LAW.

WE RESERVE THE RIGHT TO INVESTIGATE VIOLATIONS. WE RESERVE THE RIGHT TO
INVESTIGATE AND PROSECUTE ANY SUSPECTED BREACHES OF THIS AGREEMENT,
INCLUDING THE TERMS. WE MAY DISCLOSE ANY INFORMATION AS NECESSARY TO
SATISFY ANY LAW, REGULATION, LEGAL PROCESS, OR GOVERNMENTAL REQUEST.

7. DISCLAIMERS AND LIMITATIONS OF LIABILITY

WE MAKE NO REPRESENTATIONS OR WARRANTIES. THE SERVICES ARE PROVIDED ON AN
“AS IS” AND “AS AVAILABLE” BASIS. WE AND OUR PARENTS, SUBSIDIARIES,
AFFILIATES, RELATED COMPANIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS,
REPRESENTATIVES, PARTNERS, AND LICENSORS (COLLECTIVELY, THE “AFL
INDEMNIFIED PARTIES”) MAKE NO GUARANTEES OF ANY KIND IN CONNECTION WITH THE
SERVICES. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, THE AFL
INDEMNIFIED PARTIES DISCLAIM ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS
OR IMPLIED, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR
NON-INFRINGEMENT AND DISCLAIM ALL RESPONSIBILITY AND LIABILITY FOR:

* THE SERVICES BEING ACCURATE, COMPLETE, CURRENT, RELIABLE, UNINTERRUPTED,
TIMELY, SECURE, OR ERROR-FREE. INFORMATION (INCLUDING, WITHOUT
LIMITATION, THE VALUE OR OUTCOME OF ANY TRANSACTION) AVAILABLE THROUGH
THE SERVICE IS PROVIDED FOR GENERAL INFORMATION ONLY AND SHOULD NOT BE
RELIED UPON OR USED AS THE SOLE

BASIS FOR MAKING DECISIONS. ANY RELIANCE ON THE SERVICES IS AT YOUR OWN
RISK.

* INJURY OR DAMAGE RESULTING FROM THE SERVICES. FOR EXAMPLE, YOU EXPRESSLY
ACKNOWLEDGE, UNDERSTAND, AND AGREE THAT THE SERVICES MAY CONTAIN
AUDIO-VISUAL EFFECTS, STROBE LIGHTS OR OTHER MATERIALS THAT MAY AFFECT
YOUR PHYSICAL SENSES AND/OR PHYSICAL CONDITION. FURTHER, YOU EXPRESSLY
ACKNOWLEDGE THAT THE AFL INDEMNIFIED PARTIES ARE NOT RESPONSIBLE FOR LOSS
OR DAMAGE CAUSED BY ANOTHER USER’S CONDUCT, UNAUTHORIZED ACTORS, OR ANY
UNAUTHORIZED ACCESS TO OR USE OF THE SERVICES.

* VIRUSES, WORMS, TROJAN HORSES, TIME BOMBS, CANCEL BOTS, SPIDERS, MALWARE
OR OTHER TYPE OF MALICIOUS CODE THAT MAY BE USED IN ANY WAY TO AFFECT THE
FUNCTIONALITY OR OPERATION OF THE SERVICES.

LIMITATION OF LIABILITY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO
EVENT SHALL ANY AFL INDEMNIFIED PARTY BE LIABLE TO YOU FOR ANY LOSS,
DAMAGE, OR INJURY OF ANY KIND INCLUDING ANY DIRECT, INDIRECT, SPECIAL,
INCIDENTAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE LOSSES OR DAMAGES, OR
DAMAGES FOR SYSTEM FAILURE OR MALFUNCTION OR LOSS OF PROFITS, DATA, USE,
BUSINESS OR GOOD-WILL OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN
CONNECTION WITH: (A) THE SERVICES OR YOUR INABILITY TO USE OR ACCESS THE
SERVICES; (B) MISUSE OF THE SERVICES (INCLUDING WITHOUT LIMITATION,
UNAUTHORIZED ACCESS OF THE SERVICES); (C) ANY USER CONDUCT ON THE
SERVICES; OR (D) TERMINATION, SUSPENSION OR RESTRICTION OF ACCESS TO ANY
THE SERVICES.

IN ADDITION TO THE FOREGOING, NO AFL INDEMNIFIED PARTY SHALL BE LIABLE
FOR ANY DAMAGES CAUSED IN WHOLE OR IN PART BY: (A) USER ERROR, SUCH AS
FORGOTTEN PASSWORDS OR INCORRECTLY CONSTRUCTED SMART CONTRACTS OR OTHER
TRANSACTIONS; (B) SERVER FAILURE OR DATA LOSS; (C) THE MALFUNCTION,
UNEXPECTED FUNCTION OR UNINTENDED FUNCTION OF THE BLOCKCHAIN, ANY
COMPUTER OR CRYPTOASSET NETWORK (INCLUDING ANY WALLET PROVIDER),
INCLUDING WITHOUT LIMITATION LOSSES ASSOCIATED WITH NETWORK FORKS, REPLAY
ATTACKS, DOUBLE-SPEND ATTACKS, SYBIL ATTACKS, 51% ATTACKS, GOVERNANCE
DISPUTES, MINING DIFFICULTY, CHANGES IN CRYPTOGRAPHY OR CONSENSUS RULES,
HACKING, OR CYBERSECURITY BREACHES; (D) ANY CHANGE IN VALUE OF ANY
CRYPTOASSET; (E) ANY CHANGE IN LAW, REGULATION, OR POLICY; (VI) EVENTS OF
FORCE MAJEURE; OR (F) ANY THIRD PARTY.

THIS LIMITATION OF LIABILITY IS INTENDED TO APPLY WITHOUT REGARD TO
WHETHER OTHER PROVISIONS OF THESE TERMS HAVE BEEN BREACHED OR HAVE PROVEN
INEFFECTIVE. THE LIMITATIONS SET FORTH IN THIS SECTION SHALL APPLY
REGARDLESS OF THE FORM OF ACTION, WHETHER THE ASSERTED LIABILITY OR
DAMAGES ARE BASED ON CONTRACT, INDEMNIFICATION, TORT, STRICT LIABILITY,
STATUTE, OR ANY OTHER LEGAL OR EQUITABLE THEORY, AND WHETHER OR NOT THE
AFL INDEMNIFIED PARTIES HAVE BEEN INFORMED OF THE POSSIBILITY OF ANY SUCH
DAMAGE.

IN NO EVENT WILL THE AFL INDEMNIFIED PARTIES’ CUMULATIVE LIABILITY TO YOU
OR ANY OTHER USER, FROM ALL CAUSES OF ACTION AND ALL THEORIES OF
LIABILITY EXCEED ONE HUNDRED U.S. DOLLARS (U.S. $100.00).

UNDER NO CIRCUMSTANCES SHALL ANY AFL INDEMNIFIED PARTY BE REQUIRED TO
DELIVER TO YOU ANY VIRTUAL CURRENCY AS DAMAGES, MAKE SPECIFIC
PERFORMANCE, OR ANY OTHER REMEDY. IF YOU WOULD BASE YOUR CALCULATIONS OF
DAMAGES IN ANY WAY ON THE VALUE OF VIRTUAL CURRENCY, YOU AND WE AGREE
THAT THE CALCULATION SHALL BE BASED ON THE LOWEST VALUE OF THE VIRTUAL
CURRENCY DURING THE PERIOD BETWEEN THE ACCRUAL OF THE CLAIM AND THE AWARD
OF DAMAGES.

Some jurisdictions do not allow the exclusion or limitation of certain
warranties and liabilities provided in this section; accordingly, some of
the above limitations and disclaimers may not apply to you. To the extent
applicable law does not permit AFL Indemnified Parties to disclaim
certain warranties or limit certain liabilities, the extent of AFL
Indemnified Parties’ liability and the scope of any such warranties will
be as permitted under applicable law.

8. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless the AFL Indemnified
Parties from any claim

or demand, including reasonable attorneys’ fees, made by any third party
due to or arising out of:

1. your breach or alleged breach of the Agreement (including, without
limitation, these Terms);

2. anything you contribute to the Services; (c) your misuse of the
Services, or any smart contract and/or script related thereto; (d) your
violation of any laws, rules, regulations, codes, statutes, ordinances,
or orders of any governmental or quasi-governmental authorities; (e)
your violation of the rights of any third party, including any
intellectual property right, publicity, confidentiality, property, or
privacy right; (f) your use of a third-party product, service, and/or
website; or (g) any misrepresentation made by you. We reserve the right
to assume, at your expense, the exclusive defense and control of any
matter subject to indemnification by you. You agree to cooperate with
our defense of any claim. You will not in any event settle any claim
without our prior written consent.

9. ARBITRATION AGREEMENT AND WAIVER OF RIGHTS, INCLUDING CLASS ACTIONS.

PLEASE READ THIS SECTION CAREFULLY: IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL
RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY
HEAR YOUR CLAIMS. IT CONTAINS PROCEDURES FOR MANDATORY BINDING ARBITRATION
AND A CLASS ACTION WAIVER.

AGREEMENT TO ATTEMPT TO RESOLVE DISPUTES THROUGH GOOD FAITH NEGOTIATIONS

Prior to commencing any legal proceeding against us of any kind, including
an arbitration as set forth below, you and we agree that we will attempt to
resolve any dispute, claim, or controversy between us arising out of or
relating to the agreement or the Services (each, a “Dispute” and,
collectively, “Disputes”) by engaging in good faith negotiations. Such good
faith negotiations require, at a minimum, that the aggrieved party provide
a written notice to the other party specifying the nature and details of
the Dispute. The party receiving such notice shall have thirty

(30) days to respond to the notice. Within sixty (60) days after the
aggrieved party sent the initial notice, the parties shall meet and confer
in good faith by videoconference, or by telephone, to try to resolve the
Dispute. If the parties are unable to resolve the Dispute within ninety
(90) days after the aggrieved party sent the initial notice, the parties
may agree to mediate their Dispute, or either party may submit the Dispute
to arbitration as set forth below.

AGREEMENT TO ARBITRATE

You and we agree that any Dispute that cannot be resolved through the
procedures set forth above will be resolved through binding arbitration in
accordance with the International Arbitration Rules of the International
Centre for Dispute Resolution. The place of arbitration shall be the
British Virgin Islands. The language of the arbitration shall be English.
The arbitrator(s) shall have experience adjudicating matters involving
Internet technology, software applications, financial transactions and,
ideally, blockchain technology. The arbitrator’s award of damages must be
consistent with the terms of the “Limitation of Liability” subsection of
these Terms as to the types and amounts of damages for which a party may be
held liable. The prevailing party will be entitled to an award of their
reasonable attorney’s fees and costs. Except as may be required by law,
neither a party nor its representatives may disclose the existence,
content, or results of any arbitration hereunder without the prior written
consent of (all/both) parties.

UNLESS YOU TIMELY PROVIDE US WITH AN ARBITRATION OPT-OUT NOTICE (AS DEFINED
BELOW IN THE SUBSECTION TITLED “YOUR CHOICES”), YOU ACKNOWLEDGE AND AGREE
THAT YOU AND WE ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO
PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR
REPRESENTATIVE PROCEEDING. FURTHER, UNLESS BOTH YOU AND WE OTHERWISE AGREE
IN WRITING, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S
CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF ANY CLASS OR
REPRESENTATIVE PROCEEDING.

10. CHANGES

By rejecting any changes to these Terms, you agree that you will arbitrate
any Dispute between you and us in accordance with the provisions of this
section as of the date you first accepted these Terms (or accepted any
subsequent changes to these Terms).

11. WAIVER OF INJUNCTIVE OR OTHER EQUITABLE RELIEF.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT YOU WILL NOT BE
PERMITTED TO OBTAIN AN INJUNCTION OR OTHER EQUITABLE RELIEF OF ANY KIND,
SUCH AS ANY COURT OR OTHER ACTION THAT MAY INTERFERE WITH OR PREVENT THE
DEVELOPMENT OR EXPLOITATION OF THE SERVICES, OR ANY OTHER WEBSITE,
APPLICATION, CONTENT, SUBMISSION, PRODUCT, SERVICE, OR INTELLECTUAL
PROPERTY OWNED, LICENSED, USED OR CONTROLLED BY ANY AFL INDEMNIFIED PARTY.

12. TERMINATION; CANCELLATION

This Agreement is effective unless and until terminated by either you or
us. You may terminate your Agreement with us at any time by ceasing all
access to the Site or the Services. If, in our sole judgment, you fail, or
we suspect that you have failed, to comply with any term or provision of
the Agreement (including without limitation any provision of these Terms),
we reserve the right to terminate our Agreement with you and deny you
access to the Services. We further reserve the right to restrict your
access to the Site or to stop providing you with all or a part of the
Services at any time and for no reason, including, without limitation, if
we reasonably believe: (a) your use of the Services exposes us to risk or
liability; (b) you are using the Services for unlawful purposes; or (c) it
is not commercially viable to continue providing you with our Services. All
of these are in addition to any other rights and remedies that may be
available to us, whether in equity or at law, all of which we expressly
reserve.

WE RESERVE THE RIGHT TO MODIFY THE SERVICES AT ANY TIME, BUT WE HAVE NO
OBLIGATION TO UPDATE THE SERVICES. YOU AGREE THAT IT IS YOUR RESPONSIBILITY
TO MONITOR CHANGES TO THE SERVICES THAT MAY AFFECT YOU. YOU AGREE THAT WE
MAY REMOVE THE SERVICES AND/OR ANY CONTENT THEREON FOR INDEFINITE PERIODS
OF TIME OR CANCEL THE SERVICES AT ANY TIME, WITHOUT NOTICE TO YOU.

13. SEVERABILITY

If any provision of the Agreement (including, without limitation, these
Terms) is determined to be unlawful, void, or unenforceable, such provision
shall nonetheless be enforceable to the fullest extent permitted by
applicable law, and the unenforceable portion shall be deemed to be severed
from the Agreement. Such determination shall not affect the validity and
enforceability of any other remaining provisions.

14. ASSIGNMENT

The Agreement (including, without limitation, these Terms) may be assigned
without your prior consent to any AFL Indemnified Party, or to its
successors in the interest of any business associated with the Services
provided by us. You may not assign or transfer any rights or obligations
under the Agreement without our prior written consent.

15. ENTIRE AGREEMENT

The Agreement (including, without limitation, these Terms) and any policies
or operating rules posted by us on the Services constitute the entire
agreement and understanding between you and us and govern your use of the
Services, superseding any prior or contemporaneous agreements,
communications, and proposals, whether oral or written, between you and us
(including, but not limited to, any prior versions of these Terms). Any
failure by us to exercise or enforce any right or provision of the
Agreement (including, without limitation, these Terms) shall not constitute
a waiver of such right or provision.

16. GOVERNING LAW

These Terms and any separate agreements whereby we provide you Services shall be
governed by and construed in accordance with the laws of the British Virgin
Islands.

I agree to the Terms of Use, which apply to my use of Stella and its complete
set of features.

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