IntroductionThese
            Terms of Use ("Terms") apply to all users of the bemo platform and outline the rules and
            regulations for using our website and services. By using our platform, you agree to
            fully comply with and be bound by the following Terms and Conditions.
Please read
            these Terms carefully before using our platform. If you disagree with any part of these
            Terms, then you must not access or use bemo. Your access to and use of bemo is also
            subject to our Privacy Policy.
Please be aware that bemo does not offer or
            provide any financial, legal, tax, or other professional advice, and nothing on our
            platform should be construed as such. Before making any decision or implementing any
            strategy, you should consider obtaining advice from financial, legal, tax, and other
            professional advisors.
By using bemo, you acknowledge that you are using the
            platform at your own risk and that the risk of loss in trading or holding digital assets
            can be substantial.
Definitions
            
              - "Agreement" refers to these Terms of Use, including any amendments or updates that
                may be incorporated into them from time to time.
              
- "bemo", "we", "us", or "our" refers to the company bemo, including its
                beneficiaries, affiliates, employees and contractors.
              
- "Platform" encompasses our websites (including bemo.fi and its subdomains), mobile
                and web applications, and associated services.
              
- "User", "Users", or "You" represents any individual, entity, group, or association
                that interacts, views, or otherwise derives any benefit from our platform.
              
- "Terms" refer to these Terms of Use, along with our Privacy Policy and any
                Disclosures, all of which are incorporated by reference into these Terms.
              
- "Privacy Policy" is our statement describing how we collect, use, and disclose
                personal information of our Users.
              
- "Disclosures" are the specific disclaimers, risk disclosures, and warnings
                provided to you on our Platform or in conjunction with these Terms.
              
- "Digital Assets" refers to cryptocurrencies, tokens, digital currencies, digital
                assets, blockchain assets, or any related terms, which are used in transactions on
                our Platform.
              
- "Services" represents the functionalities, operations, or services provided by us
                through our Platform.
              
            Please note that these definitions are intended to help understand these Terms. They are
            not meant to limit or affect the meaning or interpretation of these
            Terms.
Acceptance of TermsYour access to and use of the bemo
            Platform is subject to your acceptance of, and compliance with, these Terms. By
            accessing or using the Platform, you affirm that:
            
              - You have read, understood, and agreed to be bound by these Terms, Privacy Policy,
                and Disclosures, all of which are incorporated by reference into these Terms.
              
- You are of legal age to form a binding contract with bemo, and you are not barred
                from receiving services under the laws of any applicable jurisdiction.
              
- If you are accepting these Terms on behalf of an entity, such as the company you
                work for, you represent and warrant that you have the legal authority to bind that
                entity to these Terms.
              
By continuing to access or use our Platform, you agree to be bound by these Terms,
            as they may be amended from time to time. If you do not agree with these Terms, you
            should not access or use the Platform.
We reserve the right to change or modify these
            Terms at any time and at our sole discretion. If we make changes to these Terms, we will
            provide notice of such changes by updating the date of this document and posting a
            notice on our Platform. Your continued use of the Platform will confirm your acceptance
            of the revised Terms. If you do not agree to the amended Terms, you must stop using the
            Platform.
EligibilityTo access or use our Platform, you must
            meet the following criteria:
            
              - You must be at least 18 years old, or the age of legal majority in your
                jurisdiction, if higher. If you are under the age of 18 or the legal age of majority
                in your jurisdiction, you must not access or use our Platform.
              
- You must have the capacity to enter into legally binding contracts. If you do not
                have such capacity, for example, because you are considered a minor in your place of
                residence, you must not access or use our Platform.
              
- You must not be a citizen, resident (tax or otherwise), or green card holder of
                the United States, nor should you be located in, or have a registered office or
                principal place of business in the United States.
              
- You must not be a citizen, resident, or entity in jurisdictions where the
                acquisition, offer, or sale of our token products is unauthorized, prohibited, or
                illegal.
              
- You must not be listed on any sanctions list maintained by any major
                jurisdictions, nor should you intend to transact in or with any Restricted
                Territories or Sanctions List Persons as per the list here:
                https://ofac.treasury.gov/
              
- sanctions-programs-and-country-information.
By accessing or using our Platform, you represent and warrant that you meet all of
            the above eligibility requirements. If you do not meet all of these requirements, you
            must not access or use the Platform. In our sole discretion, we may refuse to offer the
            Platform to any person or entity and change its eligibility criteria at any
            time.
User ResponsibilitiesAs a user of the bemo platform,
            you agree to the following:
            
              - Legal Compliance: Comply with all applicable laws, regulations, and rules in your
                jurisdiction, including, but not limited to, tax laws and regulatory requirements.
              
- Accuracy of Information: Provide accurate, current, and complete information
                during the registration process and update such information to keep it accurate,
                current, and complete.
              
- Account Security: Maintain the security of your account by protecting your
                password and other access credentials from unauthorized access or use.
              
- Notification of Unauthorized Use: Promptly notify us if you discover or suspect
                any security breaches related to the Platform, including any unauthorized use of
                your password or account.
              
- Prohibited Actions: Not to engage in any conduct that is prohibited by these Terms
                or that we deem inappropriate, harmful, or fraudulent.
              
- Risk Acknowledgement: Acknowledge that using our platform and the purchase, sale,
                and use of digital assets involve significant risks and potential for financial
                losses. You agree to assume all risks related to the use of the platform and the
                digital assets and hold us harmless for any losses you incur.
              
            We reserve the right to suspend or terminate your access to the Platform if we believe
            you have violated these responsibilities or any other provisions of these Terms.
Risks
              and Disclaimers
            
              - Market Risk: The value of cryptocurrencies and blockchain assets can rapidly
                fluctuate due to market dynamics. You acknowledge that the value of assets on the
                bemo platform can decrease or increase without warning, potentially leading to loss
                of your assets.
              
- Regulatory Risk: Cryptocurrencies and blockchain technology are subject to a
                regulatory environment that is uncertain and can rapidly change. Changes in laws or
                regulations can affect the use, transfer, exchange, and value of digital assets.
              
- Technology Risk: The bemo platform is based on blockchain technology, which is a
                relatively new and untested technology. The platform is subject to risks associated
                with the technology and its operational infrastructure, including potential bugs or
                vulnerabilities that could result in the loss or theft of your assets.
              
- Security Risk: You are responsible for securing your account on the bemo platform.
                This includes protecting your private keys and any other login credentials. Any loss
                or compromise of this information may lead to unauthorized access to your account
                and potential loss of your assets.
              
- Smart Contract Risk: The bemo platform utilizes smart contracts for certain
                functionalities. These smart contracts may carry risks of unintentional bugs or
                vulnerabilities. If exploited, these could lead to loss of assets or other
                unintended outcomes.
              
- No Warranty: The bemo platform is provided on an "as is" basis, without any
                warranties or representations, express or implied. We disclaim all warranties of
                merchantability, fitness for a particular purpose, title, and non-infringement.
              
- No Liability: To the maximum extent permitted by law, bemo will not be liable for
                any loss or damage of any kind incurred as a result of the use or reliance on any
                content, goods, or services available through the platform.
              
            By using the bemo platform, you acknowledge and agree that you assume these risks. You
            should conduct thorough research and, if necessary, consult with a financial advisor
            before engaging in transactions on the bemo platform.
Limitation of
              LiabilityBy engaging with the bemo platform, you acknowledge and accept
            the inherent risks linked to the use of such an Internet-based system. These risks may
            include, but are not limited to, potential hardware, software, and Internet connection
            failures. You understand that bemo cannot be held accountable for any communication
            failures, disruptions, errors, distortions, or delays you may encounter while using the
            platform, regardless of the cause.
To the maximum extent permitted by law, bemo,
            including its beneficiaries, affiliates, directors, employees, licensors, or partners,
            will not be held responsible for any direct, indirect, incidental, special,
            consequential, punitive or exemplary damages. This encompasses damages for loss of
            profits, goodwill, use, data, or other intangible losses that result from or relate to
            the use of, or the inability to use, the bemo platform. This holds true even if bemo has
            been informed about the possibility of such damages.
Privacy and
              Information CollectionThe Platform may collect and temporarily store
            personally identifiable information, both directly and indirectly, for operational
            purposes. This may include identifying blockchain addresses or IP addresses that suggest
            the use of the Platform from prohibited jurisdictions, by sanctioned individuals, or
            other Prohibited Uses. 
Except as mandated by applicable laws, the maintainers of
            the Platform are under no obligation to maintain the confidentiality of any information
            collected through the Platform. We leverage this information for the smooth functioning
            of our services and to ensure compliance with our Terms of Use.
Please note that
            your use of our Platform constitutes your acknowledgment and agreement to this
            information collection practice. If you do not agree to these terms, you should refrain
            from using our Platform. We encourage you to familiarize yourself with our data
            collection practices and to understand the potential implications of the usage of your
            personal information.
Intellectual PropertyOwnership
All
            right, title, and interest in and to the bemo platform, including our website, any
            content thereon, the technology and software used to provide it, and any trademarks,
            logos, or brand elements contained therein, are the exclusive property of bemo and its
            licensors. Your use of the bemo platform and its contents does not grant or convey any
            rights, title or interest in these properties to you, except for the limited rights
            expressly granted in these Terms.
Limited License
Subject to your
            compliance with these Terms, we grant you a limited, non-exclusive, non-sublicensable,
            non-transferable, and revocable license to access and use the bemo platform and its
            contents for your personal, non-commercial use. Any other use of the bemo platform is
            expressly prohibited. All rights not expressly granted herein are reserved by bemo and
            its licensors.
Restrictions
You agree not to copy, modify, create
            derivative works of, publicly display, publicly perform, republish, download, store, or
            transmit any of the material on our platform, except to: (a) store copies of such
            materials temporarily in RAM; (b) store files that are automatically cached by your web
            browser for display enhancement purposes; and (c) print a reasonable number of pages of
            the bemo website for a permitted use.
Termination of Servicebemo
            reserves the right to modify, suspend, or discontinue the operation of, or access to,
            the platform or any portion of the platform at any time and for any reason, with or
            without notice. At our sole discretion, we may also impose limits on certain features
            and services or restrict your access to parts or all of the platform without notice or
            liability.
In case of termination, discontinuation or cancellation of the
            platform or any service, all provisions of these Terms which by their nature should
            survive will remain in effect, including, without limitation, ownership provisions,
            warranty disclaimers, indemnity, and limitations of liability. We will not be liable to
            you or any third party for any termination or cessation of access to the
            platform.
If you breach any term of this agreement, or we suspect that you have
            not complied with these terms, we may at our discretion terminate your access to the
            platform immediately, without prior notice to you, and without any liability to you.
            Upon termination for any reason, you must cease all use of the platform.
Prohibited
              UsesIn connection with your use of the bemo platform, you must not
            directly or indirectly:
            
              - Use the platform in any way other than for its intended purpose.
- Use the platform at any time when any representation you have made under these
                Terms is untrue or inaccurate.
              
- Rely on the platform for advice related to financial or legal decisions or
                transactions.
              
- Implement any device, scheme, or artifice to defraud or materially mislead any
                person.
              
- Engage in any activity that operates as fraud or deceit upon any person.
- Fail to comply with any applicable provision of these Terms or any other terms,
                conditions, privacy policies, or other policies governing the use of the platform.
              
- Attempt or assist in any hack or attack on the platform or any associated wallet
                application or device.
              
- Violate any applicable laws, rules, or regulations in your relevant
                jurisdiction.
              
- Transact in securities, commodities futures, trading of commodities on a
                leveraged, margined or financed basis, binary options (including prediction-market
                transactions), real estate or real estate leases, equipment leases, debt financings,
                equity financings or other similar transactions, if such transactions do not comply
                with all laws, rules and regulations applicable to the parties and assets engaged
                therein.
              
- Engage in token-based or other financings of a business, enterprise, venture, DAO,
                software development project or other initiative, including ICOs, DAICOs, IEOs, or
                other token-based fundraising events.
              
- Engage in any act, practice, or course of business that circumvents any sanctions
                or export controls targeting you or the country or territory where you are located.
              
- Infringe on or violate any copyright, trademark, service mark, patent, right of
                publicity, right of privacy, or other proprietary or intellectual property rights
                under any law.
              
- Disguise or interfere in any way with the IP address of a computer used to access
                the platform, or prevent the accurate identification of the IP address of such
                computer.
              
- Transmit, exchange, or participate in any activity supported by the direct or
                indirect proceeds of criminal or fraudulent activity.
              
- Contribute to or facilitate any of the activities listed above.
            We reserve the right to terminate your use of the platform for violating any of the
            prohibited uses.
Governing Law and JurisdictionThese Terms
            of Use, your access to, and use of the bemo platform are governed by and construed in
            accordance with the laws of the British Virgin Islands (BVI), without regard to its
            conflict of law rules or principles that would otherwise require the application of the
            laws of another jurisdiction.
Any dispute, controversy, or claim arising out of
            or relating to these Terms of Use, including their validity, breach, or termination,
            which cannot be settled amicably or in small claims court, shall be resolved exclusively
            in the courts of the British Virgin Islands. By using the Bemo platform, you consent to
            the jurisdiction of these courts.
Entire AgreementThese
            Terms of Use, alongside our Privacy Policy, represent the complete and exclusive
            understanding between you and bemo regarding the use of our platform. These terms
            supersede any previous or concurrent agreements, representations, or warranties, whether
            they are oral or written. 
This agreement does not create or imply any
            partnership, joint venture, employer-employee, agency, or franchisor-franchisee
            relationship between you and bemo.