DISCLAIMER

TABLE OF CONTENTS

1. GENERAL DISCLAIMER

NO FINANCIAL ADVICE: The information provided on the Interface, in the Whitepaper, and through our social media channels is for informational purposes only. It does not constitute investment advice, financial advice, trading advice, or any other sort of advice. You should not treat any of the content as such. We do not recommend that any cryptoasset should be bought, sold, or held by you. You must conduct your own due diligence and consult your financial advisor before making any investment decisions.

TAX OBLIGATIONS: You are solely responsible for determining what, if any, taxes apply to your transactions. The nature of “bridging,” “staking,” or “swapping” assets via the Protocol may be treated as a taxable event (e.g., disposal of assets) in your jurisdiction. We do not provide tax advice and are not responsible for withholding, collecting, reporting, or remitting any taxes arising from your use of the Protocol.

NO OFFER OF SECURITIES: Nothing in the Interface or the Protocol documentation constitutes an offer to sell or a solicitation of an offer to buy any securities in any jurisdiction. The $MONO token is a utility token designed for the operation of the MonoProtocol network (e.g., for staking, governance, and gas payments) and is not intended to be a security, stock, or investment contract.

2. PROTOCOL AND TECHNICAL RISKS

The MonoProtocol (the “Protocol”) is experimental software. While we may have undergone security audits, these do not guarantee that the code is free of bugs, vulnerabilities, or exploits:

• no warranty: The Protocol is provided on an “AS IS” and “AS AVAILABLE” basis;
• immutable code: Once deployed, smart contracts often cannot be modified. If a critical bug is discovered, funds locked in those contracts may be irretrievably lost.

b. The “Mono Balance” displayed on the Interface is a unified visualization of assets that may physically reside on multiple distinct blockchains:

• display vs. reality: In the event of an oracle failure, API downtime, or indexing lag, the balance displayed may not accurately reflect your on-chain solvency;
• bridge dependency: The Protocol relies on third-party messaging layers (e.g., LayerZero, Axelar, CCIP) to move assets. If these third-party bridges are hacked or paused, your assets may become stuck or lost, even if MonoProtocol itself is functioning correctly;

The Protocol may utilize “wrapped” assets or stablecoins to facilitate cross-chain transfers. You acknowledge that these assets are subject to “de-pegging” risks, where the asset loses its value relative to the underlying collateral or fiat currency. We are not responsible for any losses arising from the failure, insolvency, or de-pegging of any third-party stablecoin (e.g., USDT, USDC) or wrapped asset issuer.

c. MonoProtocol utilizes an “Intent-centric” architecture where transactions are executed by third-party agents known as “Solvers” or “Fillers.”

• counterparty Risk: although Solvers may post bonds, there is a risk that a Solver may fail to execute your intent after you have signed it, potentially leading to missed market opportunities;
• slippage: We do not guarantee execution at the exact quoted price. Market conditions may change between the time you sign an intent and the time it is executed on-chain.

3. TOKEN SALE & PRESALE RISKS

a. If you participate in the presale or early acquisition of $MONO tokens:

• volatility: The price of $MONO may be extremely volatile. Early adoption does not guarantee future value;
• liquidity: There is no guarantee that a secondary market (DEX or CEX) will develop for $MONO, or that you will be able to sell your tokens easily;
• lock-up Periods: Presale tokens may be subject to vesting schedules. You are responsible for understanding these restrictions before purchasing;
• regulatory Action: Regulators in the UK (FCA), USA (SEC), or other jurisdictions may view the token sale as an unregistered securities offering, which could negatively impact the utility and value of the token.

4. LIMITATION OF LIABILITY

a. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE, ITS AFFILIATES, SHAREHOLDERS, DIRECTORS, OR EMPLOYEES BE LIABLE FOR ANY DAMAGES OF ANY KIND (INCLUDING BUT NOT LIMITED TO LOSS OF REVENUE, INCOME, OR PROFITS, AND LOSS OF USE OR DATA) ARISING OUT OF OR IN ANY WAY RELATED TO:

• YOUR USE OF THE INTERFACE OR PROTOCOL;
• ANY ERRORS OR VULNERABILITIES IN THE SMART CONTRACT CODE;
• THE ACTS OR OMISSIONS OF ANY THIRD PARTY (INCLUDING SOLVERS, BRIDGES, OR WALLET PROVIDERS);
• ANY UNAUTHORIZED ACCESS TO YOUR WALLET OR PRIVATE KEYS.

5. FORWARD-LOOKING STATEMENTS

a. The Interface and Whitepaper may contain forward-looking statements (e.g., “Roadmap,” “Future Features,” “Expected APY”). These statements are based on current expectations and assumptions that are subject to risks and uncertainties. Actual results could differ materially from those anticipated. We undertake no obligation to update any forward-looking statements.

b. By connecting your wallet to the Interface, you acknowledge that you have read, understood, and accepted the risks outlined in this Disclaimer.