TERMS OF SERVICE

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OVERVIEW

This website is operated by FinDaS Ltd. Throughout the site, the terms “we”, “us” and “our” refer to FinDaS Ltd. FinDaS Ltd offers this website, including all information, tools and Services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

By visiting our site and/ or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any Services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

Any new features or tools which are added to the current store shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

Our store is hosted on Shopify Inc. They provide us with the online e-commerce platform that allows us to sell our products and Services to you.

ONLINE SALES TERMS

By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

You must not transmit any worms or viruses or any code of a destructive nature.

A breach or violation of any of the Terms will result in an immediate termination of your Services.

FIXED TERM, FIXED SCOPE, FIXED PRICE. Please note that if you choose ANY of our packages they are delivered on a fixed term/fixed price/fixed scope basis as per our services page. The implications of each of those are:

Fixed-term: At the start of each project, it will be given a development slot with a start and end date. In case the project suffers a significant delay for reasons outside of the control of FinDaS Ltd (slow client response times, inability of client to provide project information), the project might be delayed for a later time slot (the next available one). The next available time slot is not necessarily the following month! At times our development queue is 2-3 months long and in case such delay occurs during times of big workload, the project deliverables might be delayed for several months.

Fixed-price: Proper analytics, research, and financial/economic modeling normally take hundreds of hours. The deliverables provided by us are done in only a fraction of this time and a fraction of the cost, using out-of-the-box templates and a standardized approach. While we do our best to deliver the best quality possible, please be aware that it is not possible to compress a hundred hours of analytics in just a few hours. If you have any concerns regarding this, please contact us and we can discuss an alternative approach.

Fixed-scope: The scope of the project is defined within the token economy one-pager which you will receive based on the token economy questionnaire and the first several calls that we have. After this scope is set any significant change in the scope, assumptions, structure, or timeliness of the project is going to have an impact on the development time, as well as on the delivery price. Examples of what you will receive are detailed in our services page. All of the examples listed here are representative of your final deliverables. Any additional work (such as consulting services) is paid separately on per hour basis.

50% of the agreed-upon FIAT price is required for booking a slot for the project and adding you to our development queue (down payment). The development queue works on a first-come-first-serve basis - whatever timelines are agreed, they are fixed only after you make the 50% downpayment. In case another project makes the downpayment before you, your timelines might shift. The remaining 50% (+ any token allocation agreed) is due only after all work is accepted by you. We issue invoices for any work delivered, and as such, I will need the following information from you:

UIC/EIN (Alphanumeric company registration number)

VAT Number (if available)

Company Name

Full address

All payments are denominated in USD (apart from project token allocations), regardless of the currency in which you paid. For example, if we have agreed on a 3000 USD payment and you chose to pay it in BTC, then BTC doubles in value on the next day, this payment is still considered only 3000 USD. To avoid any issues in this regard, if you pay in crypto, we recommend that you use stable coins.

Please note that for any of the models quoted here, you will get access to the model’s outputs. However, you will NOT get the whole model file unlocked under any circumstance or the possibility to modify the figures yourself. The reasons for this are that:

We need to ensure that the models are functioning properly as it has our name attached to it and

The model templates listed here have been developed over hundreds of hours, you are paying only a fraction of this time and namely to produce outputs relevant to your project, but not the templates themselves. For any of the papers – you will get full, unrestricted access. Thank you for your understanding.

Everything which we deliver for your project is 100% our own work, with external sources and references provided where appropriate. Some parts of the documents, pertaining to non-project-specific texts, charts, graphics, and formulas, might be identical (as text and/or formatting) with other documents produced by me for other projects. These include, but are not limited to the explanation of some formulas, modeling techniques, economic theories, and policies. This is due to the fact that we use templates, which significantly reduce the development time for all deliverables. If you need all of your content to be 100% unique, please let us know, but also keep in mind that this would substantially increase the cost.

GENERAL CONDITIONS

We reserve the right to refuse service to anyone for any reason at any time.

You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.

The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

Please read this section carefully. Consult legal, financial, tax, or other professional advisors; if you are in any doubt about the action, you should take it. The information in the products and services offered by FinDaS Ltd may not be exhaustive and does not imply any elements of a contractual relationship or obligations. While we make every effort to ensure that any material in the products and services offered by FinDaS Ltd is accurate and up to date, such material in no way constitutes professional advice. We do not guarantee nor accept any legal liability arising from the accuracy, reliability, currency, or completeness of any material contained in the products and services offered by FinDaS Ltd. No part of this document is legally binding or enforceable, nor is it meant to be.

The products and services offered by FinDaS Ltd do not constitute a prospectus or financial service offering document and is not an offer to sell or solicitation of an offer to buy any security, investment products, regulated products, or financial instruments in any jurisdiction. Furthermore, any tokens listed in the products and services offered by FinDaS Ltd are not fiat currency, nor are they intended to represent or link to any fiat currency.

References in the products and services offered by FinDaS Ltd to specific companies, networks, and/or potential use cases are for illustrative purposes only. The use of any company and/or platform names and trademarks does not imply any affiliation with, or recommendation, or endorsement of/by, any of those parties.

All graphics included in the products and services offered by FinDaS Ltd are for illustrative purposes only. In particular, graphics with price references do not translate into actual pricing information.

None of the information or analyses in the products and services offered by FinDaS Ltd is intended to provide a basis for an investment decision, and no specific investment recommendation is made. The products and services offered by FinDaS Ltd do not constitute investment advice or an invitation to invest in any security or financial instrument. No regulatory authority has examined or approved any of the information set out in the products and services offered by FinDaS Ltd. No such action has been or will be taken under any jurisdiction’s laws, regulatory requirements, or rules. You acknowledge and agree that you are not using the information in the products and services offered by FinDaS Ltd for purposes of investment, speculation, as some type of arbitrage strategy, for immediate resale, or other financial purposes.

Some of the statements in the products and services offered by FinDaS Ltd include forward-looking statements that reflect our current views concerning execution roadmap, financial performance, business strategy, and plans. All forward-looking statements address matters that involve risks and uncertainties and do not guarantee that these results will be achieved and may lead the actual results to differ materially from those indicated in these statements. Any forward-looking statement speaks only as of the date of which such statement is made, the authors undertake no obligation to update any forward-looking statements to reflect events or circumstances after the date on which such statement is made or to reflect the occurrence of unanticipated events. No statement made in the products and services offered by FinDaS Ltd is intended as a profit forecast.

The products and services offered by FinDaS Ltd contain data and references obtained from third-party sources. Whilst the authors believe that these data are accurate and reliable, they have not been subject to independent audit, verification, or analysis by any professional legal, accounting, engineering, or financial advisors. There is no assurance as to the accuracy, reliability, or completeness of the data.

Given that the “regulations” for cryptocurrency in most countries at best are highly ambiguous or completely non-existent, each buyer is strongly advised to carry out a legal and tax analysis concerning the purchase and ownership of cryptocurrency and tokens according to their nationality and place of residence. The regulatory status of cryptocurrencies and digital assets is currently unsettled in many jurisdictions, varies among jurisdictions, and can be subject to significant uncertainty. It is possible that in the future, certain laws, regulations, policies, or rules relating to cryptocurrencies, digital assets, blockchain technology, or blockchain applications may be implemented which may directly or indirectly affect or restrict cryptocurrency token holders' right to acquire, own, hold, sell, convert, trade, or use cryptocurrencies.

The products and services offered by FinDaS Ltd must not be taken or transmitted to any jurisdiction where distribution or dissemination of this document is prohibited or restricted.

We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.

We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.

You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.

You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

In no case shall FinDaS Ltd, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility.

Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

We are not responsible if information made available on this site and in our products is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.

This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

MODIFICATIONS TO THE SERVICE AND PRICES

Prices for our products are subject to change without notice.

We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.

We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

PRODUCTS OR SERVICES REFUND POLICY

Since your purchase is a digital product, it is deemed “used” after download or opening, and all purchases made on this website are non-refundable or exchangeable. Since the products made available here are intangible, there is a strict no refund policy.

FinDaS Ltd reserves the right to amend any information, including but not limited to prices, technical specifications, terms of purchase and product or service offerings without prior notice.

The 50% down payment is not refundable. It is used to save a slot for you in our development queue and to review the project / provide initial feedback. The only scenario under which the 50% down payment is refundable is if we are unable to complete the project due to an issue on our end (e.g. conflict of interest, we are physically incapable of completing the project in time).

If you are not happy with the work done, we will of course do everything in our power to make the deliverables good enough for you. If in the end, you are still not happy with the result, you can choose to not pay the remaining 50% of the amount due. Please note that should this be the case, you will also lose access to all deliverables which we prepared for you.

Refunds are ALWAYS done in the currency of the original payment but ONLY denominated in the USD value of the original payment. This means: if you paid 3000 USD in BTC, then BTC doubled in value and you request a refund, you will get back 3000 USD in BTC (essentially half the original BTC amount). You will NOT get back the original BTC amount. The same is valued in the opposite direction, If you paid 2000 USD in ETH and then ETH drops in value, if you request a refund you will get more ETH back - the equivalent of 2000 USD.

ACCURACY OF BILLING AND ACCOUNT INFORMATION

We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

You agree to provide current, complete and accurate purchase and account information for all purchases made at our store. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

OPTIONAL TOOLS

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.

You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.

Any use by you of the optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).

We may also, in the future, offer new Services and/or features through the website (including, the release of new tools and resources). Such new features and/or Services shall also be subject to these Terms of Service.

THIRD-PARTY LINKS

Certain content, products and Services available via our Service may include materials from third-parties.

Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or Services of third-parties.

We are not liable for any harm or damages related to the purchase or use of goods, Services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'comments'), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion to be unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.

You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

ERRORS, INACCURACIES AND OMISSIONS

Occasionally there may be information on our site or in the service/products that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).

We undertake no obligation to update, amend or clarify information in the service/product or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.

PROHIBITED USES

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content:

(a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information;

(g) to upload or transmit viruses 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 Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

INDEMNIFICATION

You agree to indemnify, defend and hold harmless FinDaS Ltd and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

SEVERABILITY

In the event that any provision of these Terms of Service 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 these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

TERMINATION

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.

These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.

If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).

ENTIRE AGREEMENT

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, 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 the Terms of Service).

Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

GOVERNING LAW

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

CHANGES TO TERMS OF SERVICE

You can review the most current version of the Terms of Service at any time at this page.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

RELATED WEBSITES

FinDaS Ltd operates the following websites:

www.FinDaS.org

www.tokenomics-calculator.com

www.business-valuation.co

CONTACT INFORMATION

Questions about the Terms of Service should be sent to us at hristo@findas.org.

Our contact information is posted below:

FinDaS Ltd

hristo@findas.org

Lagera, 41A, Sofia, Bulgaria

206266006

BG206266006