# Welcome to Polarise ## Our Vision Our vision is to transform social expression into on-chain value, enabling anyone to create, exchange, and earn from ideas, signals, and influence within an open SocialFi ecosystem. Polarise turns participation, insight, and community engagement into composable digital assets that can be interacted with, traded, and monetized in real-time. ## Introduction to Polarise Polarise is a full-stack SocialFi protocol that converts social interactions into programmable on-chain assets. Users can create posts, launch interactive outcome-based experiences, exchange positions, earn protocol fees, and build a verifiable on-chain reputation within a single unified environment. The platform combines social engagement, creator monetization, and decentralized financial infrastructure into a seamless user experience designed for mass participation. At the core of Polarise is ERC-1000, a new asset standard that allows each piece of content to exist as a liquid, composable NFT with embedded exchange and revenue distribution logic. This design eliminates traditional liquidity constraints, enabling continuous interaction around social content, topics, and collective sentiment. The result is a SocialFi platform that feels as intuitive as posting on X, while operating fully on-chain with transparent settlement and value flow. # Why Polarise Matters? Traditional social platforms and financial tools fail to capture the value created by social interaction: * Creation and monetization are controlled by centralized platforms * Users cannot exit or reallocate value once engagement begins * Creators do not own the economic upside of their content * Social signals, narratives, and community momentum are not represented on-chain #### How Polarise Solves This Polarise introduces a SocialFi-native system where social interaction becomes an owned, liquid on-chain asset. **Permissionless social asset creation**\ Any user can create interactive social assets instantly. Asset creation, participation rules, challenges, and resolution logic are enforced transparently at the protocol level. **Flexible participation and liquidity**\ Social assets are minted as composable NFTs that can convert into fungible positions, allowing users to exit, rebalance, or transfer exposure at any time. **True on-chain ownership**\ Creators and curators earn fees from participation activity, royalties from related content, and long-term value tied directly to asset ownership. **AI-enhanced participation**\ AI analyzes engagement patterns, sentiment, and liquidity behavior to help users structure assets, allocate attention, and optimize outcomes more effectively. Polarise enables ideas, narratives, and collective insight to become liquid, ownable social assets rather than ephemeral content. # How is Polarise Different? #### 1. Social Layer First Polarise looks and feels like a social platform. Users post topics, narratives, questions, memes, and discussions. Each post can be transformed into an interactive on-chain asset with one action. Value creation is driven by conversation and community participation, not centralized operators. #### 2. Every Post Becomes a Liquid Asset Using ERC-1000, each post can mint into a composable NFT representing ownership of participation fees and engagement value. As users interact with the asset, fees flow automatically to NFT holders. This allows creators and early curators to earn continuously without ads or sponsorships. #### 3. Built-In Liquidity by Design Polarise deploys automated liquidity routing and AI-assisted allocation to prevent inactive or illiquid assets. Liquidity is available immediately upon asset creation, enabling instant participation without requiring external capital coordination. #### 4. A Unified SocialFi Ecosystem Social interaction, asset ownership, liquidity, and monetization operate within a single system. Users express ideas, create assets, interact financially, earn fees, and build a reputation in one place. This unified design creates compounding network effects that traditional social or financial platforms cannot replicate. #### 5. A Creator-Centered Economy Creators earn from: * Participation fees * Asset ownership and royalties * Referrals and community growth * Long-term engagement performance Content becomes an economic primitive rather than an unpaid distribution. # Get Started on Polarise #### Create an Account Register at\ 👉 [https://points.polarise.org](https://points.polarise.org/)\ to begin creating and interacting with on-chain social assets. #### Acquire $RISE $RISE powers core platform utilities, including fees, advanced features, and governance participation. Holding or using $RISE unlocks the full SocialFi experience. #### Create or Join Social Assets * Launch your own interactive social asset * Participate in existing assets * Engage in discussions, challenges, and community-driven resolution flows All interactions follow transparent, protocol-defined rules. #### Mint Content as NFTs Posts, discussions, and social assets can be minted as NFTs.\ NFT owners automatically receive participation fees and content royalties. #### Trade or Exit Anytime Use ERC-1000 to: * Convert NFTs into fungible positions * Transfer ownership * Exit or rebalance exposure at any time Liquidity is continuous and permissionless. #### Earn Genesis Points Complete tasks, invite friends, and participate actively to earn points.\ Points may unlock future platform benefits and token-related utilities at TGE. # Official Links **Website** \ [https://www.polarise.org ](https://www.polarise.org/) **App** \ [https://psofi-t.polarise.org](https://www.polarise.org/) ​**Genesis Program** \ [https://points.polarise.org](https://points.polarise.org/) **ERC-1000** \ ​**Social Channels** * **X (English)**: ​ * **X (Korean)**: ​ * **Discord**: ​ * **Telegram (English)**: ​ * **Telegram (Chinese)**: ​ * **Telegram (Korean)**: ​ * **Medium**: ​ # Discussion Thread ### What Is a Discussion Thread? A **Discussion Thread** is a community-driven interaction format that allows participants to express support for different viewpoints around a topic. Rather than predicting outcomes, participants allocate support to perspectives with which they agree, contributing to a collective signal that reflects community sentiment over time. #### Can I Create My Own Discussion Thread? Yes. Any user can create a Discussion Thread without permission. Each thread must include at least two viewpoints to encourage participants to engage. #### How Do Discussion Threads Work? When a Discussion Thread is created, it is assigned a default interaction period of **30 days**. During the active period, participants may collectively vote to extend the discussion window. To extend the interaction period, the extension request must receive support equal to **20 percent of the current total allocated support** within the thread. This threshold is based on the total allocated value, not the number of participants. Each successful extension adds **7 additional days** to the discussion. There is no limit to how many extensions can occur. When the discussion period ends, the outcome is determined by **aggregate community support** across the available viewpoints. The viewpoint receiving the highest level of support is recognized as the **prevailing community perspective**. Discussion Threads are resolved entirely through on-chain community participation and do not rely on external data sources or oracles. The total allocation of support across all viewpoints always represents full participation within the thread. # Q\&A Bounties #### What Is a Q\&A Bounty? A **Q\&A Bounty** allows users to post a question and attach a reward to incentivize high-quality answers from the community. Participants contribute knowledge or insights, and the most helpful response is surfaced through community engagement. #### How Do Q\&A Bounties Work? A Q\&A Bounty is created by a user who: * Posts a question * Sets a response duration * Assigns a reward During the active period: * Any user may submit an answer * Other users can support answers by liking them When the response period ends: * The answer with the highest level of community support is selected as the **top answer** * The contributor of the top answer receives the assigned reward #### Key Characteristics * Incentivized knowledge sharing * Community-driven answer selection * No speculation, odds, or outcome betting * No external data sources or oracles # Square #### What Is Square? **Square** is Polarise’s primary social space where users create, share, and interact with content. It serves as the entry point for all social activity on the platform, including standalone content, community interactions, and contributions linked to other features. #### What Is a Post? A **Post** is the fundamental content unit published within Square. Users can create standalone posts directly in Square, and contributions made within other features, such as **Discussion Threads** and **Q\&A Bounties,** are also represented as posts at the protocol level. #### Standalone Posts in Square When creating a standalone post in Square, users may choose to restrict access by enabling **subscription-only** visibility. This setting applies only to standalone posts that are not connected to other interaction formats. #### Posts Linked to Other Features Posts created as part of **Discussion Threads** or **Q\&A Bounties** are always publicly accessible. This ensures open participation and visibility for community-driven interactions across the platform. # NFTs NFTs on Polarise represent ownership of social activity and content on the platform. Posts, Discussion Threads, Q\&A Bounties, and other interactive content can be minted as NFTs, allowing creators and contributors to hold on-chain ownership tied to engagement and participation. All NFTs on Polarise are built using **ERC-1000**, a custom standard that enables seamless conversion between NFT and fungible representations. This design allows social assets to remain flexible, composable, and liquid as activity evolves. NFTs serve as the foundation for ownership, participation, and value alignment across the Polarise SocialFi ecosystem. # What NFTs Exist in Polarise? Polarise allows users to mint NFTs from a variety of platform activities, including **Posts** and **Discussion Threads**. These NFTs represent ownership of social assets created through participation and engagement on the platform. Q\&A Bounties cannot be minted as NFTs. Once minted, NFTs can be traded directly on the **Polarise NFT Marketplace**, allowing ownership to transfer while the underlying content and engagement continue to evolve. # What NFT ownership means Owning an NFT on Polarise means owning a **social asset** created through content, interaction, or community participation on the platform. NFT ownership represents a persistent on-chain relationship with the underlying content or activity. Even as discussions evolve, posts receive new engagement, or ownership changes hands, the NFT remains linked to the ongoing participation around that asset. Ownership may entitle the holder to benefits generated through engagement, such as participation-related fees or content-based rewards, depending on the type of NFT. These benefits are tied to activity rather than one-time events, allowing value to accumulate over time as engagement continues. NFTs on Polarise are transferable, meaning ownership can change without disrupting the underlying content or community interaction. This allows social assets to remain open, dynamic, and composable, while ownership reflects alignment with meaningful participation rather than static collectibles. # Why Should I Mint NFTs? Polarise supports different types of NFTs, each representing a different form of social ownership and value capture. Every NFT type is tied to activity and engagement on the platform rather than static collectibles. #### 1. Interactive Asset NFTs When a user creates an interactive on-chain experience around a topic, they may choose to mint it as an NFT. This NFT represents on-chain ownership of the interactive asset. As other users participate, a portion of participation-related fees is distributed to the NFT holder. If the asset is not minted as an NFT, these fees instead flow directly to the creator. If posts created within the interactive asset are later minted and traded as Post NFTs, royalties generated from those posts also flow to the Interactive Asset NFT holder. If no such NFT exists, royalties are paid to the original creator. Even after active participation ends, the NFT holder (or the creator, if no NFT exists) may continue to receive royalties generated from ongoing engagement. This makes Interactive Asset NFTs long-lived, yield-generating social assets that can be freely traded. #### 2. Discussion Thread NFTs Discussion Threads can also be minted as NFTs. When minted, the Discussion Thread NFT represents ownership of the discussion itself. The NFT holder receives participation fee shares and royalties generated from the thread and related posts. If the discussion is not minted as an NFT, these rewards instead flow to the original creator. This allows high-quality discussions to become ownable assets that continue to generate value as engagement grows over time. #### 3. Post NFTs High-quality standalone posts can be minted into Post NFTs. When a post attracts sustained engagement, subscriptions, or reposts, it may generate ongoing value. If other users repost the content and mint those reposts as new Post NFTs, the original Post NFT holder (or the original creator, if no NFT exists) receives recurring royalties. In this way, valuable content can continue generating income long after it is first published. #### 4. Community NFTs When a community is created on Polarise, it is always minted as an NFT. Community NFTs represent ownership and stewardship of the community. When content is distributed into a community, a portion of the revenue generated by that content flows into the community treasury. Community NFT holders act as community stewards and participate in governance decisions related to treasury usage, incentives, and long-term community development. # NFT Marketplace Polarise includes a built-in NFT marketplace that allows users to buy and sell content-based NFTs directly within the platform. The marketplace is designed specifically for social assets, enabling ownership of posts, discussions, interactive assets, and communities to be transferred seamlessly while the underlying content and engagement continue to evolve. This native integration ensures a smooth experience without requiring external marketplaces or manual asset handling. # ERC-1000 EIP ### ERC-1000 Overview ERC-1000 is Polarise Protocol’s advanced token standard that unifies NFTs and fungible tokens into a single, convertible asset model. Built on top of ERC-721 and ERC-20, ERC-1000 allows assets to move seamlessly between NFT and fungible representations depending on how they are used within the ecosystem. This design enables social and content-based assets to remain flexible, liquid, and composable without fragmentation. At its core, ERC-1000 introduces a **new liquidity facilitation mechanism** that enables what Polarise defines as *standardized fragmentation*. By combining the ERC-1000 standard with Polarise’s proprietary protocol tools, non-homogeneous assets such as NFTs and other non-standard content assets can be securely and efficiently converted into standardized token forms. This allows previously illiquid or hard-to-use assets to participate in broader on-chain applications without losing their original identity. Through this mechanism, ERC-1000 addresses long-standing limitations of NFTs in financial and composable systems by improving liquidity while preserving ownership continuity and functional flexibility. ERC-1000 powers Polarise’s **P-Token system**, **fractionalization framework**, and core liquidity modules, including **Flash Trade**, **NFT Leverage**, and **Consignment**. Together, these components allow content assets to be traded, reused, and integrated across posts, discussion threads, and communities. ### ERC-1000 Capabilities ERC-1000 supports the following core capabilities: * Convert an ERC-721 NFT into a fixed supply of ERC-20 tokens, and convert ERC-20 tokens back into NFTs * Receive ERC-20 tokens by depositing NFTs into the ERC-1000 contract * Convert ERC-20 tokens into either random or specific NFTs * Use NFTs as collateral to obtain ERC-20 tokens through **leverage** or **consignment** mechanisms * Repurchase or redeem NFTs that are placed in **Flash Trade**, collateral, or consignment positions These capabilities allow assets on Polarise to remain liquid, adaptable, and usable across multiple social and on-chain contexts without breaking ownership continuity. For the complete technical specification, please refer to the full [**ERC-1000 EIP**](https://erc1000-docs.polarise.org/) documentation. # Flash Trade Make NFT trade interchangeably in ERC-20 format Polarise's Flash Trade feature allows users to instantly swap between NFTs and P-Token at a ratio of 1:1,000, facilitating seamless and efficient buying and selling of NFTs. For instance, a user may exchange N x mNFT for N x 1,000 x P-mNFT through the Flash Trade platform. This allows users to obtain P-Token exposure or liquidate NFT assets quickly and flexibly. In addition, Flash Trade's 1:1,000 ratio provides users with ample liquidity and transactional capacity, enabling them to optimize their NFT portfolios while maximizing their returns. Only supported collections in [P-Token List](broken://pages/NHTvDx1KkOjkHeoncG70) are Flash Trade compatible.
## How to swap NFTs for P-Tokens? Here is a step-by-step guide on how users can get P-Tokens with their NFTs: 1. Go to "Flash Trade" page, and select an NFT collection (our front-end will be displaying only supported collections). In this example, the user select "Bored Ape Yacht Club" 2. Choose the NFTs that you wish to swap P-Tokens with. 3. Based on the amount of NFTs, user will receive N x 1,000 P-BAYC in this example. 4. After execution, user will see N x 1,000 P-BAYC in his/ her wallet. 5. User's original NFTs will flow into corresponding NFT vault (in this case, BAYC vault). {% hint style="info" %} There will be no extra fee charged when swapping NFTs for P-Token. {% endhint %} ## How to swap P-Tokens for NFTs? Here is a step-by-step guide on how users can get NFTs with P-Tokens: 1. Go to "Flash Trade" page, and select an NFT collection (our front-end will be displaying only supported collections). In this example, the user selects "Bored Ape Yacht Club". 2. If there are available NFTs in BAYC vault, user can either 1. Swap random BAYCs 2. Swap specific BAYCs 3. Service fee will be charged based on different cases. 1. In this example, if user swaps 1 BAYC randomly, he/ she will need to pay 0.5% service fee. That is, 1,005 P-BAYC 2. If user swaps 1 specific BAYC, he/ she will need to pay 0.5% service fee and 1% designation fee. That is, 1,015 P-BAYC 4. Afterwards, BAYCs will be automatically sent to user wallet. 5. Please note that service fee and designation fee might be changed due to market condition or through a successful Polarise Governance proposal. {% hint style="info" %} Users must have P-Token specific to certain collection in their wallet to swap for corresponding NFTs of that collection. {% endhint %} # NFT Leverage Obtain loan instantly without liquidation risk While Flash Trade offers users the ability to buy and sell NFTs instantly, it does not guarantee that users can repurchase the same NFT, as other users from the vault may acquire it. To cater to the market demand of users seeking P-Token exposure without forfeiting their original NFT, Polarise introduces "NFT Leverage." By pledging their NFTs as collateral, users can borrow corresponding P-Tokens, with a nearly 100% LTV. Notably, users are guaranteed to receive their original NFT back as soon as they repay the P-Tokens, which will be safeguarded in our audited and verified smart contract by PeckShield. NFT Leverage provides a secure and efficient means of obtaining P-Token exposure while retaining ownership of NFT assets. Please note, Polarise's leverage mirrors the isolated margin lending structure - each NFT borrowing instance initiates a unique loan order, where interest and loan duration are calculated separately. So, for instance, if you aim to borrow against 10 NFTs, you need to open 10 individual leverage orders.
## How to borrow out P-Tokens with NFTs? Here is a step-by-step guide on how users can get short-term P-Tokens with their NFTs: 1. Go to "NFT Leverage" page, and select an NFT user would like to borrow against (our front-end will be displaying only supported collections). In this example, the user select one of his "Bored Ape Yacht Club" 2. Select a duration in which user wishes to hold this position. In this case, 30 days. 3. There will be a 10% annual margin rate deducted from the leverage amount, which is 1,000 P-BAYC, as an upfront interest. That is, user will receive 1,000 x (1 - 10% x 30/365) = 991.78 P-BAYC 4. After approval, 991.78 P-BAYC will be sent to user's wallet, and the BAYC will be locked in the Leverage Contract. 5. To get back user's leveraged BAYC after N days, he/ she needs to pay back 991.78 +1,000 x (10% x N/365) 6. After approval, the original BAYC will be sent back to user wallet. 7. Please note that margin rate might be changed due to market condition or through a successful Polarise Governance proposal. {% hint style="info" %} As the interest is calculated every block, the final amount will be slightly different from our example. {% endhint %} ## Is there any benefit to borrow out P-Tokens with NFTs? Of course! There are two main reasons borrowers should obtain liquidity through Polarise's leverage module: nearly 100% LTV and 0 risks of mid-term liquidation. ### 100% LTV Even though the loan amount is calculated in P-Token, you can quickly settle in ETH through our smart router. Imagine borrowing 15 ETH against your Bored Ape with a 14 ETH floor price - this is an everyday use case in Polarise! ### 0 risk of mid-term liquidation When borrowing P-Token against NFT in Polarise NFT Leverage module, borrowers will not be vulnerable to any liquidation risk due to price volatility during loan period. As long as borrowers pay back the calculated P-Token amount before expiration, they will be able to get back their NFT. Unlike normal NFT lending platforms where borrowers are exposed to both ETH and NFT price volatility, Polarise will keep risk more manageable as the only exposure will be P-Token amount. ## What if I did not pay back on time? A default will happen when borrowers fail to repay the debt according to the above agreement. Please see more details in [NFT Leverage Liquidation](broken://pages/mRFyLUHVOA3iZmd9k8pO#nft-leverage). # Consignment Receive upfront payment when selling NFTs Polarise's P-Token mechanism eliminates the need for NFT holders to lowball their listings to achieve faster matches for cash flow. The P-Token design allows Polarise to offer upfront payment to NFT holders when selling their NFTs. Consigning NFTs on Polarise requires locking the NFT in a smart contract rather than just providing a signature and authorization, as with standard listings. However, users need not worry, as this smart contract has been audited and verified by PeckShield and can securely handle the selling process. By utilizing smart contracts, Polarise provides users with increased security and transparency, as well as faster and more efficient transaction processing.
## How to consign NFTs? Here is a step-by-step guide on how users can get an upfront payment by consigning NFTs on Polarise: 1. Go to "Consign" page, and select an NFT user would like to sell (our front-end will be displaying only supported collections). In this example, the user select one of his "Bored Ape Yacht Club" 2. Select a duration in which user wishes to consign. In this case, 30 days. 3. A 10% annual interest rate will be deducted from the base income, which is 1,000 P-BAYC, as Custody Fee. Therefore, the user will receive 1,000 x (1 - 10% x 30/365) = 991.78 P-BAYC as an upfront payment. 4. User needs to set the sale price (denoted in P-Token). In this case, 2,000 P-BAYC. 5. After approval, the user will receive and see 991.78 P-BAYC in their wallet, and the BAYC will be locked in the Consign Contract and listed for sale in the market. 6. If this BAYC is sold on the 20th day, Polarise will charge a 1% capital gain as a service fee. The remaining amount and unspent custody fee will be sent to the user's wallet. In this case, (2,000 - 1,000) x 99% + 1,000 x (10% x 10/365) = 992.74 P-BAYC. The upfront payment is not required to be returned. 7. If the user decides an early termination after N days, to get back user's consigned BAYC, he/ she needs to pay back 991.78 + 1,000 x (10% x N/365) 8. If eventually no one purchases this BAYC within 30 days, to get back the user's consigned BAYC, they need to pay back 1,000 P-BAYC. 9. After approval, user will receive and see the original BAYC in his/ her wallet. 10. Please note that interest rate and service fee might be changed due to market conditions or through a successful Polarise Governance proposal. {% hint style="info" %} As the custody fee is calculated for every block, the final amount will differ slightly from our example. {% endhint %} # Trading NFTs When trading on the NFT Marketplace, users buy NFTs at the listing price set by the seller. If you have NFTs minted on Polarise, you can manage them under Profile → My NFTs, where you can list or delist your items.\ Once an NFT is listed, it becomes visible on the marketplace.\ When another user purchases your listed NFT, you receive the full sale price, and the NFT is transferred to the buyer’s address. ### Are There Trading Limits on Polarise? There are no trading limits in Polarise discussion threads or Q\&A bounties.\ Users may trade with any amount of capital they choose. # Wat is a Community? A **Community** is a user-driven organizational group within Polarise, formed around shared interests, topics, creators, or identities. Communities act as social coordination layers that help organize content, participation, and value creation across the platform. Any user can create a community, and users may join multiple communities at the same time. #### Content Distribution & Visibility When creating content such as **Posts**, **Discussion Threads**, or **Q\&A Bounties**, users can choose to distribute their content into one or more communities they belong to. Publishing content within a community: * Increases visibility among users with aligned interests * Improves the discovery of relevant discussions and contributions * Strengthens engagement signals at the community level The same content can be shared across multiple communities without duplication or fragmentation. #### Community Participation & Identity Communities are shaped organically through participation rather than centralized moderation. Members influence the community by: * Creating and curating content * Supporting discussions and contributions * Driving engagement and reputation through consistent participation Over time, communities develop their own social identity, engagement patterns, and internal reputation signals on-chain. #### Communities as Social Coordination Units Communities on Polarise are more than content groups. They serve as coordination hubs where creators, contributors, and active members align attention and incentives. As the platform evolves, communities can become the foundation for: * Creator collectives * Interest-based social graphs * Community-led initiatives and incentives * On-chain reputation and contribution tracking This design reflects Polarise’s broader goal of transforming social participation into structured, composable SocialFi primitives #### Why Communities Matter Communities enable Polarise to scale socially without fragmenting users or content. They provide: * Better content discovery * Stronger social signals * More meaningful participation * Sustainable community-driven growth Rather than isolating users into separate platforms, Polarise communities connect people, content, and incentives within a unified SocialFi ecosystem. # Community Governance ### Community Governance Communities on Polarise can collectively manage and allocate revenue generated from activity within their space. Governance enables members to decide how shared value is distributed, including funding initiatives, rewarding contributors, or supporting long-term community growth. These decisions are made through transparent, on-chain processes that allow communities to coordinate without relying on centralized control. Governance mechanisms are designed to be flexible, allowing each community to adopt structures that match its size, activity level, and goals. By giving communities direct control over how value is used, Polarise ensures that governance remains aligned with contribution and participation, reinforcing sustainable and community-led growth across the platform. # Trading Fees Certain interactions on Polarise generate trading fees as users allocate participation across different options within interactive assets. Trading fees are collected automatically by the protocol and distributed according to ownership and creation rules defined at the time the activity occurs. Fee allocation is continuous and does not require manual settlement. #### Who Receives Trading Fees By default, trading fees generated within an interactive asset are assigned to the asset’s creator. If the asset is minted as an NFT, the trading fees are instead directed to the current NFT holder at the time the activity occurs. This allows ownership of future fee streams to be transferred while preserving continuity of the underlying content and interaction. If an asset is not minted as an NFT, trading fees continue to flow directly to the original creator. #### Fee Ownership and Transfer Timing Trading fees are distributed based on **ownership at the moment the fee is generated**. When an NFT is transferred or sold: * Any trading fees generated **before** the transfer remain with the **previous NFT holder** * Any trading fees generated **after** the transfer belong to the **new NFT holder** Previously accrued fees are not reassigned or retroactively redistributed when ownership changes. Each NFT holder receives fees only for the period during which they hold the NFT. This ensures clear ownership boundaries and predictable fee accounting for all participants. #### Ongoing Fee Generation Trading fees may continue to be generated for as long as participation occurs within the asset, regardless of when it was created or minted. This model allows creators and NFT holders to remain aligned with long-term engagement while maintaining transparent and time-based ownership of fee flows. #### Transparency and Settlement All trading fees are calculated and distributed on-chain using protocol-defined logic. Fee flows are deterministic, verifiable, and visible to participants at all times. No manual intervention is required for fee settlement, and ownership transitions do not interrupt fee distribution. # AMM Trading ### AMM-Based Trading Polarise uses an **Automated Market Maker (AMM)** mechanism to enable real-time participation, liquidity, and dynamic weighting within interactive assets such as **Discussion Threads** and other option-based social interactions. Instead of relying on an order book, Polarise uses the **Logarithmic Market Scoring Rule (LMSR)** to automatically adjust pricing and weighting based on participant activity. This allows users to allocate support to different options according to their views, while the system continuously updates relative weights as activity changes. Because LMSR does not require a counterparty, participation can occur at any time. Even the first participant in a thread can allocate support immediately, with the system providing a quoted price and instant execution. This design ensures **continuous liquidity**, similar to how AMM-based decentralized exchanges operate. ### How LMSR Works LMSR determines prices based on the total amount of participation allocated to each option. Rather than fixed values, option weights evolve dynamically as users interact, reflecting collective sentiment in real time. The pricing mechanism is defined by the following components:
* **C(…):** The cost function representing the total cost required for the market maker to maintain the current distribution of shares. * **n:** Total number of possible outcomes in the market (for Yes/No markets, n = 2). * **qi:** The number of shares purchased for option i (can be interpreted as “vote weight” or “stake amount”). * **b:** The liquidity parameter. A higher b makes the market more stable, meaning prices react less sharply to new trades. * **C(q):** The cost of moving the market from the current state to a new state q.
### Key Property of LMSR A core property of LMSR is that the **sum of all option weights always equals 1** (∑Pᵢ = 1). When additional support is allocated to one option, its relative weight increases, while the weights of other options adjust downward proportionally. This preserves a consistent total distribution and ensures that changes always reflect relative, not absolute, shifts in participation. This mechanism allows Polarise to maintain real-time responsiveness, continuous liquidity, and transparent weighting across interactive social assets without relying on centralized matching or external counterparties. # How Is Pricing Determined? Another key property of LMSR is that the price of each option **pi** is the marginal derivative of the cost function.
This means pi represents the marginal cost the user must pay to buy one more unit of that option. This implies the following: * As more users buy shares of a particular option, its price rises gradually. * Over time, the price approaches the market’s collective subjective probability of that outcome. * Regardless of liquidity conditions, the cost curve is always upward sloping.\ Buying more shares always results in increasing marginal costs. # Liquidity Depth Explained ### The Role of the Liquidity Parameter b The value of **b** directly determines how steep or flat the cost curve is, which defines the market’s liquidity or “depth.” #### **High liquidity (b = 100)** * The curve is flatter * Even large purchases move the price only slightly * The market can absorb large trades without strong price swings
#### **Low liquidity (b = 20)** * The curve is steep * Even small purchases cause sharp price increases * The market is highly sensitive and less liquid
In summary: * A **large b** acts like a “buffer,” allowing heavy buy pressure without major price impact. * A **small b** makes the market extremely reactive to trade volume. # Subscriptions Subscriptions allow creators to control access to their content and build ongoing relationships with their audience. When a creator enables subscriptions, they may choose to restrict certain posts so that only subscribed users can view the full content. Users who are not subscribed will not be able to access subscription-only posts unless they choose to subscribe. Creators have full control over their subscription settings through their profile. This includes the ability to determine whether subscriptions are **free or paid**, as well as setting the **subscription price** if paid subscriptions are enabled. Pricing decisions are made entirely by the creator and can be adjusted over time. Subscriptions apply at the creator level rather than on a per-post basis. Once a user subscribes to a creator, they gain access to all content that the creator has designated as subscription-only during the active subscription period. This system allows creators to monetize high-value content, offer exclusive access to their supporters, and maintain flexibility over how their work is shared, while users can choose which creators they wish to support based on their interests. # Tipping Tipping allows users to directly support creators as a gesture of appreciation for high-quality content. Users may send a tip to a creator at any time. Tips are voluntary and do not grant special access or ownership rights unless otherwise specified. The full-tipped amount is transferred directly to the creator, and **100 percent of the tip is received by the creator**. Tipping provides a simple way for users to reward valuable contributions and enables creators to receive direct support from their audience without intermediaries. # Risk Framework As decentralized, open protocols continue to scale globally, operating across multiple jurisdictions and user contexts introduces new security and risk considerations. Polarise is designed with these realities in mind and adopts a comprehensive, protocol-level approach to risk management across its SocialFi infrastructure. Beyond external security audits conducted by reputable firms such as PeckShield, Polarise implements an internal risk assessment framework to continuously monitor system behavior, identify abnormal patterns, and mitigate potential abuse or extreme edge cases. This framework is informed by empirical data, on-chain activity analysis, and protocol-specific risk modeling. Polarise also applies carefully designed risk parameters across its core modules to balance openness with protection. These parameters are used to safeguard users, preserve system integrity, and ensure that interactions remain predictable and resilient as participation scales. The following documentation outlines the key risk considerations relevant to Polarise’s current platform architecture and explains how the protocol addresses them through design, monitoring, and on-chain safeguards. # Liquidation ## NFT Leverage At Polarise, we understand that borrowers may be vulnerable to liquidation risks caused by price volatility during the loan period. That's why we designed our NFT Leverage module to eliminate this risk. As a result, when borrowers borrow P-Token against their NFT, they can rest assured that they won't be liquidated due to market fluctuations during the loan period. If borrowers repay the calculated P-Token amount before the loan expiration date, they can retrieve their NFT. However, if they miss the deadline, they will enter a grace period before liquidation. The grace period is equal to the loan duration multiplied by 0.2 (there is no grace period for ERC-1000 standard collections). For example, if the loan duration is 30 days, the borrower has until the 36th day to repay the loan before liquidation occurs. Please note that interest will still accrue during the grace period. At Polarise, we prioritize the security and convenience of our users. Our NFT Leverage module offers flexible loan terms and eliminates the risk of liquidation, making it a reliable option for borrowers looking to leverage their NFTs. The liquidated NFT will be directly sent to "NFT Vault" for trading. See [Flash Trade](broken://pages/JiaYj99nA9d75BdEEjpo) for more details. ## Consignment Consignment has the same liquidation logic as NFT Leverage. Sellers must pay back the upfront payment and custody fee before the grace period ends. The consigned NFT will also be liquidated if the seller does not pay back on time, and it will be directly sent to "NFT Vault" for trading.
## ### # Audit Reports At Polarise, we prioritize the security and reliability of our protocol. To ensure this, our development team works closely with third-party auditors and consultants in addition to our in-house design efforts. Our commitment to transparency is reflected in our practice of making all contract codes and balances publicly verifiable and subjecting them to rigorous review and audits by reputable firms such as PeckShield. As we evolve and enhance our platform, introducing new features, we acknowledge that potential vulnerabilities could emerge. Hence, we pledge to engage additional reputable audit firms to conduct fresh audits for every significant update, ensuring any changes to our codebase are diligently scrutinized and vetted, thereby maintaining the security standards on which our platform is built.
AuditorScopeDateStatusLink
PeckShieldProtocol2023 Q1CompletedPeckShield-Audit-Report-PawnFi-v1.1.pdf
PeckShieldApe Staking2023 Q2CompletedPeckShield-Audit-Report-PawnFi-ApeStaking-v1.2.pdf
PeckShieldERC-10002024 Q2CompletedPeckShield-Audit-Report-ERC1000-vF.pdf
# Privacy Policy Last Updated: December 22, 2025 ### INTRODUCTION Pawnfi Ltd. (the "**Company**," "**we**," "**us**" or "**our**") respects your privacy and is committed to protecting it through our compliance with this Policy. This Privacy Policy (the "**Policy**") describes how we process personal information that we collect through our digital or online properties or services that link to this Policy (including, as applicable, the Polarise platform, our website polarise.app, mobile applications, social media pages, marketing activities, live events, etc.) and other activities described in this Policy (collectively, the "**Services**"). Capitalized terms not defined in this Policy are defined in our Terms of Use. This Privacy Policy does not apply to personal data about the Company's employees and candidates, and certain contractors and agents acting in similar roles. Please read carefully and fully this Policy before using or continuing to use our Services and, if necessary, make appropriate choices in accordance with the guidelines in this Policy. If you do not provide certain personal data to us, we may not be able to provide the Services to you, or the use of the Services may be restricted, or the Services may not function to achieve the results we intend to provide. #### Changes We may update this Policy from time-to-time to reflect changes in legal, regulatory, operational requirements, our practices, and other factors. Please check this Policy periodically for updates. **If any of the changes are unacceptable to you, you should cease interacting with us.** When required under applicable law, we will notify you of any changes to this Policy. Any modifications to this Policy will be effective upon our posting the modified version (or as otherwise indicated at the time of posting). **In all cases, your use of the Services after the effective date of any modified Privacy Policy indicates you're acknowledging that the modified Privacy Policy applies to your interactions with the Services and our business.** *** ### INFORMATION WE COLLECT #### Information you provide to us Certain features of our Services may necessitate the provision of specific information. While you have the option not to provide this information, doing so might restrict your ability to use or access these features. The types of information you may directly provide to us through the Services or other means include: * **Contact information**: such as your first and last name, email address, billing and mailing addresses, and phone number. * **Demographic information**: such as your city, state, country of residence, postal code, and age. * **Profile information**: such as the username and password you create to register an Account on our Services, the date of Account registration, wallet addresses, biographical details, photographs or pictures, links to your social media profiles, interests, preferences, information about your participation in our contests, promotions, or surveys, and any other details you add to your Account profile. * **Communication information**: based on our exchanges with you, including when you contact us through the Services or communicate with us via social media or otherwise. * **Marketing data**: such as your preferences for receiving our marketing communications and details about your engagement with them. * **Networks and connections**: such as information about the people and accounts you are connected to and how you interact with them on the Services, such as the accounts of other users that you follow, content you engage with, and social interactions on the platform. * **Content you create**: such as posts, comments, polls, surveys, media uploads, and other user-generated content you share on the Services. * **Payment and subscription information**: necessary to complete transactions and process your subscription, such as your payment card or bank account information (collected by our payment processors on our behalf) and transaction history. * **Financial Information**: If applicable to your use of the Services, in order for us to process payments of any fees owed to us in connection with your use of the Services, you will be required to provide certain wallet connection information, cryptocurrency addresses, and other data related to your payment method. You authorize our third-party payment vendors and wallet providers to collect, process, and store your financial information in accordance with their respective privacy policies. For this Policy, an "account connection" with such a third party is a connection you authorize or enable between your account and a payment instrument, wallet, or platform that you lawfully control or own. When you authorize such a connection, we may exchange your personal information and other information directly with such a third party. Examples of account connections include linking your account to a social media account, connecting your account to a cryptocurrency wallet, or connecting your account to a third-party data provider. If you connect your account to other wallets or accounts, directly or through a third-party Services provider, we may have access to your wallet balance and transaction information. If you choose to create an account connection, we may receive information from the third party about you and your use of the third-party's Services. For example, if you connect your account to a social media account, we will receive personal information from the social media provider via the account connection. We will use all such information that we receive from a third-party via an account connection in a manner consistent with this Policy. * **Other information**: any additional data you provide to us, which we will use as described in this Policy or as otherwise disclosed at the time of collection. #### Third-party sources We may collect or receive personal information from sources other than you directly, including: * **Marketing and event partners**: such as joint marketing partners and event co-sponsors. * **Login integration partners**: when you choose to access our Services through third-party platforms, these partners may provide us with data like your name, username, email address, profile picture, and other publicly accessible account information. * **Blockchain data**: publicly available information from blockchain networks, including wallet addresses, transaction histories, and on-chain activity. * **Other sources**: such as social media services, public records, service providers, and other publicly available sources. #### Automatic data collection We, along with our service providers and business partners, may automatically gather information about you, your computer or mobile device, and your interactions over time with our Services, communications, and other online services. This includes: * **Device information**: This includes details about your computer or mobile device, such as the operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., Wi-Fi, LTE, 3G/4G/5G), and approximate location information like city, state, or geographic area. * **Online activity information**: This includes information about your interactions with our Services, such as the pages or screens you viewed, the duration of your visits to each page or screen, the website you visited before coming to our Services, navigation paths between pages or screens, details about your activities on a page or screen (including content interactions, voting patterns, social connections made), access times and duration, and whether you have opened our emails or clicked on links within them. * **Communication interaction data**: This includes information about your interactions with our emails, texts, or other communications, such as whether you open and/or forward emails. #### Cookies and similar technologies Some of the automatic collections described above are facilitated by the following technologies: * **Cookies**: These are small text files that websites store on user devices. They allow web servers to record users' web browsing activities and remember their submissions, preferences, and login status as they navigate a site. The cookies used on our sites include: "session cookies" that are deleted when a session ends, "persistent cookies" that remain longer, "first-party" cookies that we place, and "third-party" cookies that our third-party business partners and service providers place. * **Local storage technologies**: Technologies like HTML5 provide functionality similar to cookies but can store larger amounts of data on your device outside of your browser, in connection with specific applications. * **Web beacons**: Also known as pixel tags or clear GIFs, these are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked. #### Data about others We may provide features that allow users to invite others to use the Services. In such cases, we may collect contact information about the invitees to send them the invitations. Please ensure that you have obtained the invitee's permission before referring them to us or sharing their contact details with us. *** ### HOW WE USE YOUR PERSONAL INFORMATION We may use your personal information for the following purposes or as otherwise described at the time of collection: #### Services delivery and operations We may use your personal information to: * Compare information for accuracy and verify it with third parties. * Compile anonymous statistical data and analysis for our use internally or with third parties. * Provide, operate, and improve the Services (including training our artificial intelligence models) and our business. * Personalize our products and services, such as remembering the devices you have previously logged in from and retaining your selections and preferences as you navigate the Services. * Establish and maintain your user profile on the Services. * Enable user-to-user communications and social interactions. * Facilitate your invitations to contacts you wish to invite to join the Services and enable you to connect with and interact with content posted by other users. * Communicate with you about the Services, including sending service-related announcements, updates, security alerts, and support and administrative messages. * Enable security features, for example, by sending you security codes via email or SMS and remembering devices from which you have previously logged in. * Inform you about events, contests, polls, or surveys in which you participate. * Provide support for the Services and respond to your requests, questions, and feedback. * Process transactions and manage your participation in platform features. #### Research and development We may use your personal information for research and development purposes, including to analyze and improve the Services and our business and to develop new products and services. #### Marketing and advertising We, our service providers, and our third-party advertising partners may collect, receive and use your personal information for marketing and advertising purposes. * **Direct marketing**: We may send you direct marketing communications, which may be personalized based on your needs and interests. You have the option to opt-out of our marketing communications, as described in the Opt-out of communications section below. * **Interest-based advertising**: Our third-party advertising partners may use cookies and similar technologies to collect information about your interactions with the Services, our communications, and other online services over time (including the data described in the Automatic data collection section). They use this information to serve online ads that they believe will interest you. This practice is known as interest-based or targeted advertising. Additionally, we may share information about our users with these companies to facilitate interest-based advertising to those or similar users on other online platforms. #### Improvement and analytics We may utilize your personal information to conduct analyses on your usage of the Services. This helps us enhance the Services and other aspects of our business. Specifically, it enables us to gain insights into user activity, such as identifying which features are most and least used, understanding how users navigate through the Services, and examining user interactions with our content and communications. Additionally, this information is instrumental in aiding us to develop new products and services. #### Compliance and protection We may use your personal information to: * **Comply with applicable laws, lawful requests, and legal processes**: This includes responding to subpoenas, investigations, or requests from government authorities. * **Protect rights, privacy, safety, or property**: This extends to safeguarding the rights, privacy, safety, or property of ourselves, you, or others (including by making and defending legal claims). * **Audit internal processes**: To ensure compliance with legal and contractual requirements or our internal policies. * **Enforce terms and conditions**: To enforce the terms and conditions that govern the Services. * **Prevent, identify, investigate, and deter fraudulent or harmful activities**: This includes addressing unauthorized, unethical, or illegal activities, such as cyberattacks and identity theft. #### To create aggregated, de-identified, and/or anonymized data We may also aggregate, de-identify and/or anonymize your personal information so that it no longer identifies you and use this information for the purposes described above, such as to analyze the way our Services are being used, to improve and add features to them, to train our proprietary algorithms and other machine learning purposes, to promote our business, and to conduct research. We will maintain and use de-identified information in de-identified form and not attempt to reidentify the information, unless required by law. #### Cookies and similar technologies In addition to the other uses included in this section, we may use the Cookies and similar technologies described above for the following purposes: * **Technical operation**: To facilitate the technical operation of the Services, such as remembering your selections and preferences as you navigate the site, and to determine whether you are logged in when you visit password-protected areas of the Services. * **Functionality**: To enhance the performance and functionality of our Services. * **Advertising**: To assist our third-party advertising partners in showing you ads on other online services that they believe will interest you, and to measure and analyze the performance of these ads. * **Analytics**: To help us understand user activity, including which features are most and least utilized, how users move around the Services, and user interactions with our content. #### Retention We generally retain personal information for as long as necessary to fulfill the purposes for which it was collected. This includes meeting any legal, accounting, or reporting requirements, establishing or defending legal claims, and preventing fraud. When determining the appropriate retention period for personal information, we consider several factors, such as: (i) the amount, nature, and sensitivity of the personal information; (ii) the potential risk of harm from unauthorized use or disclosure of your personal information; (iii) the purposes for which we process your personal information and whether we can achieve those purposes through other means; (iv) the applicable legal requirements. We may store aggregated, de-identified, and/or anonymized data for as long as needed to support our lawful business purposes. *** ### HOW WE DISCLOSE YOUR PERSONAL INFORMATION We may disclose your personal information with the following parties and as otherwise described in this Policy, in other applicable notices, or at the time of collection. #### Affiliates Our corporate parent, subsidiaries, and affiliates. #### Services providers Third parties that provide services on our behalf or help us operate the Services or our business (such as artificial intelligence providers, hosting, information technology, customer support, email delivery, marketing, consumer research, cookie providers, and website analytics). #### Payment processors Any payment card information or cryptocurrency wallet information you use to make a transaction on the Services is collected and processed directly by our payment processors and wallet providers. #### Advertising partners Third-party advertising companies for the interest-based advertising purposes described above. #### Third parties designated by you Where you have instructed us or provided your consent or authorization to do so, or as otherwise necessary to provide the Services. We will disclose personal information that is needed for these third parties to provide the services that you have requested. #### Business and marketing partners Third parties with whom we co-sponsor events or promotions, with whom we jointly offer products or services, or whose products or services may be of interest to you. #### Other users of the Services Information you choose to share publicly on the Services (such as your profile information, posts, comments, and social connections) may be visible to other users of the platform. #### Professional advisors Professional advisors, such as lawyers, auditors, bankers, and insurers, where necessary in the course of the professional services that they render to us. #### Authorities and others for legal, compliance and security purposes Law enforcement, government authorities, and private parties, as we believe in good faith to be necessary or appropriate for the compliance and protection purposes described above. We may also disclose information for fraud detection or prevention. #### Business transferees In the context of actual or prospective business transactions (e.g., investments in or financings of the Company, public stock offerings, the sale, acquisition, transfer or merger of all or part of our business, assets or shares, or similar transactions) and/or in the event of an insolvency, bankruptcy, or receivership in which personal information is transferred to one or more third parties as one of our business assets). For example, we may need to share certain personal information with prospective counterparties and their advisers, an acquirer, successor, or assignee of the Company. *** ### OTHER SITES AND SERVICES Our Services may include links to websites, mobile applications, and other online services operated by third parties. Additionally, our content may be integrated into web pages or other online services that are not associated with us. These links and integrations do not imply endorsement or affiliation with any third party. We do not control third-party websites, mobile applications, or online services, and we are not responsible for their actions or content. We encourage you to review the privacy policies of any third-party websites, mobile applications, or online services you use to understand their data practices and how they protect your information. *** ### SECURITY We implement a variety of commercially reasonable technical, administrative, and organizational measures designed to protect personal information we collect from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or electronic storage is ever fully secure or error-free. Therefore, you should take special care in deciding what information you provide to the Services. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. In addition, we are not responsible for circumvention of any privacy settings or security measures contained on the Services or third-party websites. *** ### INTERNATIONAL DATA TRANSFER Your personal information may be transferred to locations where privacy laws may not be as protective as those in your state, province, or country. *** ### CHILDREN Our Services do not address anyone under the age of 18. If you are under the age of 18, please do not use any of the Services and do not provide any information, including without limitation, your name, address, contact information, email address, user name, etc., to us. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with personal data in a manner prohibited by law, please contact us. If we learn that we have unknowingly collected personal information through the Services from a minor under the age of 18, we will comply with applicable legal requirements and make commercially reasonable efforts to delete their personal information. If we need to rely on consent as a legal basis for processing your information and your country requires consent from a parent, we may require your parent's consent before we collect and use that information. *** ### RESIDENTS OF CERTAIN U.S. STATES This section applies if you are a resident of California, Colorado or another U.S. state that has passed a privacy law similar to the California Consumer Privacy Act, as amended ("**CCPA**") and requires specific privacy notice disclosures. For purposes of this section, references to "personal information" shall also include "sensitive personal information" as those terms are defined under the CCPA. We collect, and, in the preceding 12 months we collected, the following categories of personal information and sensitive personal information (denoted by *): (1) identifiers, such as name, email address, IP address, wallet addresses, other device identifiers; (2) personal information listed in the California Customer Records statute such as name and billing address; (3) commercial information, such as subscription status, transaction history, and engagement with platform features; (4) Internet and similar network activity information, such as information regarding your interaction with the Services; (5) geolocation information, such as IP address and billing address; (6) visual information such as images that you upload to the Services; and (7) Account access credentials, such as username and password*. For details on the purposes for collecting and disclosing your information, and the sources from which we collect it, refer to the "How we use your personal information" and "How we disclose your personal information" sections. Our personal information retention practices are outlined in the "Retention" section. We handle sensitive personal information as specified by the CCPA or with your consent. We do not "sell" or "share" (as those terms are defined under the CCPA) personal information, nor have we done so in the preceding 12 months. Further, we do not have actual knowledge that we sell or share personal information of residents under 18 years of age. California residents under the age of 18 who have registered and posted content to the Services can request its removal by contacting us. They must verify their authorship of the content and specify where it is posted. We will make reasonably good faith efforts to remove or anonymize the content so the minor is not individually identifiable in relation to the content, but we cannot guarantee complete or comprehensive removal. For instance, third parties may have copied or republished the content (and any user output generated as a result), and it may remain in archives beyond our control. *** ### YOUR CHOICES In this section, we describe the choices available to all users of the Services. * **Opt-out of communications**: You can opt-out of marketing-related emails by following the opt-out or unsubscribe instructions provided at the bottom of the email, or by contacting us directly. Please be aware that opting out of marketing emails will not affect the receipt of service-related and other non-marketing communications. * **Cookies and web beacons**: Most browsers are set to accept cookies by default, but you can remove or reject cookies by following the instructions in your browser settings. However, please note that disabling cookies may affect the proper functioning of the Services. For more information on cookies, including how to view, manage, and delete them, you can visit [www.allaboutcookies.org](http://www.allaboutcookies.org). Additionally, you can configure your device to prevent images from loading, which can help prevent web beacons from functioning. Some internet browsers allow you to send "Do Not Track" signals to the online services you visit. Please be aware that we currently do not respond to "Do Not Track" signals. * **Advertising choices**: You may be able to limit the use of your information for interest-based advertising through the following settings, options, and tools: * **Browser Settings and Privacy Browsers/Plug-ins**: Block third-party cookies via your web browser settings or by using privacy-focused browsers or ad-blocking plugins. * **Mobile Settings**: Adjust your mobile device settings to restrict the use of your advertising ID. * You will need to apply these opt-out settings on each device and browser from which you wish to limit the use of your information for interest-based advertising purposes. We cannot offer any assurances as to whether the companies we work with participate in the opt-out programs described above. * **Linked third-party platforms**: If you choose to connect to the Services through your social media account or other third-party platform, you may be able to use your settings in your account with that platform to limit the information we receive from it. If you revoke our ability to access information from a third-party platform, that choice will not apply to information that we have already received from that third party. * **Close your account**: If you wish to request to close your account, please contact us. *** ### YOUR RIGHTS Depending on your location, you may have certain rights in relation to your personal information. These rights may not be absolute and may only apply in specific circumstances. The rights you may have include: * **Right to Know/Access Your Personal Information**: You may have the right to request access to the personal information we hold about you. This includes details about how we use and share your personal information, as well as how it has been or may be used or disclosed in the past. * **Right to Delete Your Personal Information**: You may have the right to request that we delete the personal information we maintain about you. * **Right to Correct Your Personal Information**: You may have the right to request that we correct any inaccurate personal information we hold about you. * **Right to Object to Targeted Advertising**: You have the right to opt out of the processing of your personal information for targeted advertising, as defined under applicable law. To exercise any of these rights, you can email us or delete your Account through the platform. We will not discriminate against you for exercising these rights. #### Verification and Authorized Agents To protect your privacy and security, we may need additional information to verify your identity before we can process your request. This may include the email addresses or wallet addresses used for Account registration on our platform. You may designate an authorized agent to make requests on your behalf. To do this, you must provide written authorization or a power of attorney document. Before we accept a request from an agent, we will require proof that the agent is authorized to act on your behalf. We may also need you to verify your identity directly with us. #### Appeals If we deny your request, you have the right to appeal our decision. You can contact us to initiate the appeal process. *** ### CHANGES TO THIS PRIVACY POLICY We may update this Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. When we make updates, we will post the revised Privacy Policy on this page and update the "Last updated" date at the top of the policy. We may also notify you of material changes via email and/or a prominent notice on our Services, prior to the change becoming effective. We encourage you to review this Policy periodically to stay informed about how we are protecting the personal information we collect. Changes to this Policy are effective when they are posted on this page or otherwise indicated in this Policy. *** ### HOW TO CONTACT US If you have any questions about our practices or this Policy, please email us at # Terms of Use Last Updated: December 22, 2025 ### 1. Introduction These Terms of Use provide the terms and conditions under which you, whether personally or on behalf of an entity ("**you**" or "**your**"), are permitted to use, interact with or otherwise access the platform and services provided by Polarise Ltd. (the "**Company**," "**we**," "**us**," or "**our**"). These Terms of Use, together with any documents and additional terms or policies that are appended hereto or that expressly incorporate these Terms of Use by reference as well as our Privacy Policy (collectively, the "**Terms**"), constitute a binding agreement between you and us. These Terms apply to (i) all content, informational functionality, and information features (the "**Content Features**") available on polarise.app (the "**Site**"), our mobile applications, and any other site or application to which the Terms are posted (each, as applicable, an "**Interface**") and (ii) software and services, including but not limited to our social finance platform with polling, discussion, and community engagement features (the "**Platform**"), that may be available to users by connecting their self-hosted wallets via an Interface (the "**Technology Features**" and together with the Content Features, the "**Features**"). PLEASE REVIEW THE TERMS CAREFULLY. BY ACCESSING, INTERACTING WITH OR USING THE SITE OR ANY OTHER INTERFACE (INCLUDING BY LINKING YOUR WALLET, OR OTHERWISE CREATING AN IDENTIFIER ON THE SITE), ANY INTERFACE OR ANY FEATURE, YOU AGREE THAT YOU CAN ENTER INTO A BINDING AGREEMENT AND, AS SUCH, HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THE TERMS, INCLUDING THE BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER BELOW. IF YOU DO NOT AGREE TO ALL OF THE TERMS, YOU ARE NOT AUTHORIZED TO INTERACT WITH, ACCESS, OR USE ANY INTERFACE OR FEATURE. USE OF CERTAIN FEATURES OF THE SITE, PLATFORM, OR TECHNOLOGY FEATURES MAY BE RESTRICTED OR PROHIBITED FOR PERSONS OR ENTITIES WHO RESIDE IN, ARE LOCATED IN, ARE INCORPORATED IN, HAVE A REGISTERED OFFICE IN, OR HAVE THEIR PRINCIPAL PLACE OF BUSINESS IN CERTAIN JURISDICTIONS AS DEFINED BELOW (ANY SUCH PERSON OR ENTITY FROM THESE JURISDICTIONS, A "**RESTRICTED PERSON**"). ADDITIONALLY, CERTAIN FEATURES MAY NOT BE AVAILABLE TO PERSONS OR ENTITIES (I) ON BEHALF OF ANY RESTRICTED PERSON(S) OR (II) DIRECTED, COORDINATED, OR CONTROLLED BY ANY RESTRICTED PERSON (ANY SUCH PERSON OR ENTITY ALSO SHALL BE CONSIDERED A RESTRICTED PERSON FOR PURPOSES OF THE RESTRICTED FEATURES). USE OF A VIRTUAL PRIVATE NETWORK ("**VPN**") OR ANY SIMILAR TOOL TO ATTEMPT TO OR TO CIRCUMVENT THE RESTRICTIONS SET FORTH HEREIN IS STRICTLY PROHIBITED. ANY PERSON IN VIOLATION OF THESE TERMS MAY HAVE THEIR ACCOUNTS PLACED IN CLOSE-ONLY MODE, BE PROHIBITED FROM ACCESSING CERTAIN FEATURES, OR HAVE THEIR ACCESS TO THE PLATFORM TERMINATED IN OUR SOLE DISCRETION. *** ### 2. The Site and Features #### Description of the Site and Features The Platform is a social finance (SocialFi) platform that enables users to engage in social interactions, community discussions, polls, surveys, and various forms of content creation and sharing. The Platform combines social networking features with blockchain technology to create a unique digital community experience. Key features of the Platform may include, but are not limited to: * **Social Networking**: Connect with other users, follow accounts, and build your social network within the platform. * **Content Creation and Sharing**: Create, share, and engage with various types of content, including posts, comments, images, videos, and other media. * **Polling and Surveys**: Participate in community polls and surveys on various topics, and create your own polls for community engagement. * **Discussion Forums**: Engage in threaded discussions on topics of interest within the community. * **User Profiles**: Maintain a customizable user profile showcasing your activity, connections, and interests. * **Community Governance**: In certain cases, participate in platform governance through voting and proposal mechanisms. * **Token-Based Features**: Certain features may involve the use of digital tokens or cryptocurrencies for enhanced engagement, tipping, or other platform-specific utilities. **Restricted Features**: Certain advanced features of the Platform may not be available to users in specific jurisdictions due to regulatory requirements. These restrictions are detailed in Section 2.3 below. The pricing or value information provided on the Site relating to any tokenized features or digital assets does not represent an offer, a solicitation of an offer, or any advice regarding, or recommendation to enter into, a transaction with the Company. Even when the Site appears to be dynamic (*e.g.*, updating or providing new displays when you – on your own accord – provide certain information), at no time is the Company acting directed by you or on your behalf. In addition, if you connect a wallet on the Site such that your self-hosted cryptocurrency wallet ("**Wallet**") can provide information to be transmitted to a blockchain network or other blockchain-based application, you should note that the Company (i) is *not* involved in providing or transmitting any such information to networks, (ii) *cannot* transmit any information to networks or otherwise assist in any transaction, (iii) *never* has access to and cannot control or provide guarantees relating to your Wallet and (iv) has *no authority* over and does *not* take possession or custody of your cryptoassets at any time. This also means that the Company is unable to assist with transactions: please be vigilant in interacting with any immutable blockchain technology. You are solely responsible for familiarizing yourself with your Wallet and its safety and security features, including any private keys and passwords associated therewith. We will not and cannot access your private key, password, or any cryptoassets held within your Wallet, nor can we reverse any transactions you initiate with your Wallet (or otherwise). We cannot be responsible or liable in any way for how you use your Wallet. You should also familiarize yourself with the risks associated with transacting on blockchain networks, including but not limited to smart contract vulnerabilities, front-end vulnerabilities, hacks, phishing attacks, social engineering attacks, cryptoasset volatility, and transaction irreversibility. The Company is not responsible for the operation of any blockchain network, and the Company does not make any guarantee of the network's functionality, security, or availability. The Company is not responsible for the activities of persons or entities who develop or use applications or who validate or verify transactions or other operations related to blockchain networks operated by third parties. The Company cannot control how blockchain networks operated by third parties market their blockchain networks, and users should not assume any blockchain networks operated by third parties are affiliated with the Company. All transactions broadcast to the applicable blockchain network via your Wallet may require the payment of non-refundable network transaction fees, which shall be borne entirely by you. We do not effectuate, facilitate, or control any transactions initiated via the Platform, and the Company will not be responsible for the result of any transactions, including but not limited to failed, inadvertent, or fraudulent transactions that may result in loss of funds or transaction fees or any other loss or harm to you. #### Your Acknowledgement Relating to the Site and Information on the Site You hereby acknowledge and agree that all information provided as part of the Content Features in connection with your access and use of the Site is intended for informational and entertainment purposes only. The Site strives to provide accurate information, but there is no guarantee or warranty that the information is updated, complete, or timely. For this reason, you acknowledge and agree that you are not relying on any of the information on the Site or any other Interface for any purpose and expressly (i) disclaim any reliance on any information on the Site or within the Features, and (ii) acknowledge that the Company will not be liable for any such information provided. From time to time the Site, any other Interface or the Features may be inaccessible or inoperable for any reason, including, without limitation: (A) equipment malfunctions; (B) periodic maintenance procedures or repairs that the Company or any of its suppliers or contractors may undertake from time to time; (C) causes beyond the Company's control or that the Company could not reasonably foresee; (D) disruptions and temporary or permanent unavailability of underlying blockchain infrastructure; or (E) unavailability of third-party service providers or external partners for any reason. You should take all steps to independently verify any information on the Site and any Interface on which you intend to rely and should not take action based solely on any information contained on any Interfaces, including blog posts, data, articles, links to third-party content, social media content, news feeds, tutorials, and videos. None of the information provided on the Site, any other Interface, or through the Features should be construed as professional, financial, investment, legal, or tax advice, and the Company does not owe any duties and does not have any obligations to you based on the information provided on the Site, any other Interface, or through the Features. You acknowledge and agree that all information provided in connection with your access and use of the Site, any other Interface, and the Features is for informational purposes only and should not be construed as professional advice. You should not take, or refrain from taking, any action based on any information contained on the Site or any other Interface, or any other information that we make available at any time, including, without limitation, blog posts, articles, links to third-party content, community content, news feeds, tutorials, social media content, and videos. Before you make any financial, legal, or other decisions involving the Features, you should seek independent professional advice from an individual who is licensed and qualified in the area for which such advice would be appropriate. The Terms are not intended to, and do not, create or impose any fiduciary duties on us. You further agree that the only duties and obligations that we owe you are those set out expressly in these Terms. The Company is not acting as an investment adviser, financial adviser, trading adviser, tax adviser, legal adviser, or other professional adviser to any person or entity. #### Geographic Restrictions and Feature Availability **Overview**: The Company is committed to complying with applicable laws and regulations in all jurisdictions. As a result, certain features of the Platform may not be available to users in specific countries or regions due to regulatory requirements, compliance obligations, and international sanctions. **Restricted Jurisdictions**: Users located in the following jurisdictions (collectively, the "**Restricted Jurisdictions**") may have limited access to certain Platform features: **Completely Restricted Jurisdictions** The following jurisdictions are subject to comprehensive restrictions where certain advanced features may not be available: * **OFAC-Sanctioned Countries**: Any jurisdiction or territory that is the subject of comprehensive country-wide, territory-wide, or regional economic sanctions by the United States Office of Foreign Assets Control (OFAC), including but not limited to: Iran, Syria, Cuba, North Korea, and the Crimea, Donetsk, and Luhansk regions of Ukraine * **Additional Restricted Regions**: Certain regions, as determined by the Company from time to time, based on regulatory requirements and compliance considerations **Feature-Specific Restrictions** Certain Platform features may be restricted for users in the following jurisdictions: **Restricted Countries for Advanced Features**: * United States * United Kingdom * European Union member states (including but not limited to France, Germany, Italy, Belgium, and Poland) * Singapore * People's Republic of China * Hong Kong Special Administrative Region * Taiwan * Thailand * South Korea * Australia * Ontario, Canada **Close-Only Access**: Users in certain jurisdictions may be placed in "close-only" mode for specific features, meaning they can: * ✅ Access existing positions or content * ✅ Close out existing positions or participation * ✅ Withdraw funds or assets * ❌ Initiate new positions or participate in new restricted activities **Restricted Features**: The following Platform features may be restricted in certain jurisdictions: * Advanced tokenized engagement features * Certain governance participation rights * Specific community rewards programs * Token-gated content or features * Financial instrument-related functionality * Certain peer-to-peer transaction capabilities **General Access**: Users in Restricted Jurisdictions typically retain access to: * Basic social networking features * Content viewing and consumption * Standard profile management * Non-financial polling and survey participation * Discussion forum participation * General community engagement The Company reserves the right to modify the list of Restricted Jurisdictions and restricted features at any time based on evolving regulatory requirements and compliance considerations. The Company may implement technical measures, including IP address detection and wallet address analysis, to enforce these geographic restrictions. **Why These Restrictions?**: Geographic and feature restrictions are implemented to ensure compliance with: * International sanctions and embargoes * Local financial services regulations * Securities and commodities laws * Gaming and wagering regulations * Anti-money laundering (AML) requirements * Know Your Customer (KYC) regulations * Data protection and privacy laws * Consumer protection requirements *** ### 3. Modifications #### To The Terms We reserve the right, in our sole discretion, to modify the Terms at any time or from time to time. The modified Terms will be posted on the Site and any other Interface and will provide the last updated date at the top. Any modified Terms will become effective upon posting. By continuing to access, use or otherwise interact with any Interface or Feature after the effective date of any modification to the Terms, you are providing your explicit agreement to be bound by the Terms as modified. If you do not agree to be bound by any updated Terms, you are prohibited from using, accessing, or otherwise interacting with the Interfaces or Features. It is your responsibility to check any Interface you use regularly for modifications to the Terms. #### To the Site, any other Interface, or the Features We reserve the right, in our sole discretion, to modify, substitute, eliminate, restrict access to, or add to the Site, any other Interface, or any Feature at any time and from time to time, with or without notice to you, including deleting or otherwise materially modifying content and information. We may, at our sole discretion, from time to time and with or without prior notice to you, modify, suspend, or disable (temporarily or permanently) the Site, any other Interface, or the Features, in whole or in part, for any reason whatsoever. Upon termination of your access, your right to use the Site, any other Interface, or the Features will immediately cease. We will not be liable for any losses suffered by you resulting from any modification to any Site, any other Interface, or Feature,s or from any modification, suspension, or termination, for any reason, of your access to all or any portion of the Site, any other Interface, or the Features. The Site, any other Interface, and the Features may evolve, which means the Company may apply changes, replace, or discontinue (temporarily or permanently) the Site, any other Interface, or the Features at any time in its sole discretion. The following sections of these Terms will survive any termination of your access to the Site, any other Interface, or the Features, regardless of the reasons for its expiration or termination, in addition to any other provision which by law or by its nature should survive: Sections 5, 7-12. *** ### 4. Your Responsibilities, Representations & Prohibited Conduct #### Your Representations As a condition to accessing or using the Site or the Features, you represent and warrant to the Company the following: **Of Age and Legal Authority**: The Site, any other Interface, and Features are intended only for users who are 18 years of age or older. If you are entering into the Terms on behalf of an entity, such as the company you work for, you represent to us that you have the legal authority to bind such an entity. If you do not meet these requirements, you are prohibited from accessing, using, or otherwise interacting with the Site, any other Interface, or Features. **Sanctions**: You represent and warrant that you are not, and for the duration of the time you use the Site, any other Interface, and Features, will not be (i) the subject of economic or trade sanctions administered or enforced by any governmental authority or otherwise designated on any list of prohibited or restricted parties; (ii) in contravention of any laws and regulations pertaining to anti-money laundering or terrorist financing; (iii) included on the List of Specially Designated Nationals and Blocked Persons maintained by the US Treasury Department's Office of Foreign Assets Control (OFAC) or on any list pursuant to European Union (EU) and/or United Kingdom (UK) regulations; or (iv) operationally based or domiciled in a country or territory in which sanctions imposed by the United Nations (whether through the Security Council or otherwise), OFAC, the EU and/or the UK apply, or otherwise pursuant to sanctions imposed by the United Nations, OFAC, EU, or UK. If at any point the above is no longer true, then you must immediately cease using the Site, any other Interface, and Features. **Geographic Restrictions**: You acknowledge and agree that certain features of the Platform are restricted based on your geographic location as detailed in Section 2.3. You represent that you will comply with all applicable geographic restrictions and will not attempt to circumvent these restrictions through VPNs or other means. **Wallet Configuration**: You represent and warrant that you – and only you – are responsible for properly configuring, as applicable, and using the Site, any other Interface, or the Features or incorporating the Features into your applications or Wallet and for taking appropriate action to secure your data, including, without limitation, financial or token information and private keys. **No VPN To Circumvent or Attempt to Circumvent**: You do not, and will not, use VPN software or any other privacy or anonymization tools or techniques to circumvent, or attempt to circumvent, any restrictions that apply to the Site, any other Interface, or the Features. **Sophistication**: You represent and warrant that you possess sufficient knowledge, market sophistication, professional advice, experience, and skills to engage with the Site, any other Interface, and the Features, including an understanding of blockchain technology, digital assets, and social media platforms. **Applicable Law**: Your access to the Site, any other Interface, and Features is not (i) prohibited by and does not otherwise violate or assist you to violate any domestic or foreign law, rule, statute, regulation, by-law, order, protocol, code, decree, or another directive, requirement, or guideline, published or in force that applies to or is otherwise intended to govern or regulate any person, property, transaction, activity, event or other matter, including any rule, order, judgment, directive or other requirement or guideline issued by any domestic or foreign federal, provincial or state, municipal, local or other governmental, regulatory, judicial or administrative authority having jurisdiction over the Company, you, the Site, any other Interface, or the Features, or as otherwise duly enacted, enforceable by law, the common law or equity (collectively, "**Applicable Laws**"); or (ii) contribute to or facilitate any illegal activity. You represent and warrant that you will comply with all Applicable Laws, and you will not use the Site, any other Interface, or the Features if the laws of your country, or any Applicable Law, prohibit you from doing so. **Content Responsibilities**: You represent and warrant that any content you create, share, or upload to the Platform (i) is owned by you or you have the necessary rights and permissions to share it, (ii) does not violate any third party's intellectual property rights, privacy rights, or other legal rights, (iii) does not contain malicious code or harmful content, and (iv) complies with all applicable laws and these Terms. *** ### 5. Your Responsibilities & Prohibited Conduct You agree to access, use, or otherwise interact with the Site, any other Interface, and Features only in an authorized, proper, and appropriate manner and in accordance with these Terms and with all Applicable Laws. You agree that you will not: * Violate any applicable laws or regulations through your access to or use of the Site, any other Interface, or the Features; * Violate the Terms; * Engage in any activity that violates Applicable Laws; * Exploit the Site, any other Interface, or Features for any unauthorized purpose; * Circumvent or attempt to circumvent any content-filtering techniques, security measures, geographic restrictions, or access controls that the Company employs on the Site, including, without limitation, through the use of a VPN or similar measures; * Provide false, inaccurate, or misleading information while using the Site, any other Interface, or the Features, or engage in activity that operates to defraud the Company, other users of the Features, or any other person; * Harvest or otherwise collect information from the Site, any other Interface, or the Features for any unauthorized purpose; * Create multiple accounts to manipulate platform features, evade restrictions, or engage in fraudulent activity. * Engage in activity that violates any Applicable Laws, including but not limited to: (i) any fraudulent act or scheme to defraud, deceive, trick or mislead; (ii) manipulation of polls, surveys, or voting mechanisms; (iii) coordinated inauthentic behavior; (iv) spam or automated posting; (v) impersonation of other users or entities; (vi) harassment, bullying, or threatening behavior; (vii) market manipulation or coordinated trading activities; (viii) wash trading or fictitious engagement; or (ix) any other activity that, in the reasonable judgment of the Company, is abusive, improper, or disruptive; * Use the Site, any other Interface, or Features in any manner that could disable, overburden, damage, or impair the Site, any other Interface, or Features, or interfere with any other party's use or enjoyment of the Site, any other Interface, or Features; * Use the Site, any other Interface, or the Features, in any way that is, in our sole discretion, libelous, defamatory, profane, obscene, pornographic, sexually explicit, indecent, lewd, vulgar, suggestive, harassing, stalking, hateful, threatening, offensive, discriminatory, bigoted, abusive, inflammatory, fraudulent, deceptive, or otherwise objectionable or likely or intended to incite, threaten, facilitate, promote, or encourage hate, racial intolerance, or violent acts against others; * Post, upload, or share content that contains child sexual abuse material (CSAM) or exploits minors in any way; * Post, upload, or share content that infringes on the intellectual property rights, privacy rights, or other legal rights of third parties; * Use the Site, any other Interface, or the Features to engage in or promote illegal activities, including money laundering, terrorist financing, or securities fraud; * Use the Site, any other Interface, or the Features for or on behalf of any person residing in a Restricted Jurisdiction with respect to features that are restricted in that jurisdiction; * Reverse engineer, disassemble, or decompile the Interfaces or Features or apply any other process or procedure to derive the source code of any software included in the Interfaces or Features, except to the extent applicable law does not allow this restriction or such rights have been expressly granted to you under a separate license; * Sublicense, sell, or otherwise distribute the Interfaces or Features, or any portion thereof; * Use any data mining tools, robots, crawlers, or similar data gathering and extraction tools to scrape or otherwise remove data from the Site, any other Interface, or Features; * Use any manual process to monitor or copy any of the material on the Site, any other Interface, or Features, or for any other unauthorized purpose without our prior written consent; * Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful to the Site, any other Interface, or Features; * Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, any other Interface, or Features, the server(s) on which the Site, any other Interface, or Features are stored, or any server, compute,r or database connected to the Site, any other Interface, or Features; * Attack the Site, any other Interface, or Features via a denial-of-service attack or a distributed denial-of-service attack or otherwise attempt to interfere with the proper working of the Site, any other Interface, or Features; * Use automated systems or software to extract data from the Site or Interfaces ("screen scraping") without our prior written permission; or * Engage in any behavior that, in the Company's sole discretion, restricts or inhibits any other user from using or enjoying the Platform. You acknowledge and agree that if you use the Site, any other Interface, or Feature in a potentially prohibited manner, we may investigate and we reserve the right, in our sole discretion, to (i) terminate your access to the Site, any other Interface, and/or Features, (ii) prohibit you from participating in any reward or incentive programs or product launches, (iii) remove any content you have posted, and (iv) take any other action the Company deems reasonable or necessary, including cooperating with law enforcement or bringing claims against you if they result in harm or damage to the Company, to rectify the prohibited conduct or any consequences resulting therefrom. You hereby acknowledge and agree that using the Site, any other Interface, and/or Features may result in tax consequences. It is your sole responsibility to determine whether there are any tax consequences from any transactions or activities you engage in using the Site, any other Interface, or Features, and you are solely responsible for ensuring compliance with applicable tax laws in your tax resident jurisdiction. *** ### 6. Additional Information and Compliance The Company or a third party acting on behalf of the Company may, from time to time, request additional information from you, including, but not limited to, information to confirm your identity, verify your geographic location, confirm that you are not a Restricted Person with respect to restricted features, or to comply with applicable laws and regulations. If you do not provide such information within the time period set by the Company or if the Company determines, in its sole discretion, that such information is not adequate, the Company may, in its sole discretion, (i) terminate your access to the Site, any other Interface, and/or Features, (ii) limit your access to certain features of the Platform, (iii) prohibit you from participating in any reward or incentive programs or product launches and (iv) take any other action the Company deems reasonable or necessary in its sole discretion. *** ### 7. Your Feedback You may provide feedback to us or otherwise submit questions and inquiries through some of the Interfaces ("**Feedback**"). We welcome Feedback relating to improvements or updates to the Interfaces or Features, or inquiries about the same. We will try to review your Feedback but we are not obligated to do so, nor are we obligated to release any modifications or improvements you submit to us based on your Feedback. You acknowledge and agree that we will own all right, title, and interest in and to all Feedback you submit. You represent and warrant that (i) you and your licensors own all right, title, and interest in and to your Feedback; and (ii) you will not violate any intellectual property or other rights of third parties in providing Feedback to us. *** ### 8. Intellectual Property Rights #### Ownership & License The Company or its licensors own all right, title, and interest, including all intellectual property rights, in and to the Site, any other Interface, and Features, including any related content and technology, unless otherwise indicated. Subject to the Terms, the Company hereby grants you a personal, limited, revocable, non-exclusive, non-sublicensable, non-transferable license to use, copy, and distribute in connection with such use the Site, any other Interface, and Features. This license is solely intended to allow you to access, use, or otherwise interact with the Site, any other Interface, and Features. You acknowledge and agree that you do not receive any other rights to the Site, any other Interface, or Features other than those specified in the Terms. Certain Features may be provided to you under a separate license; third-party features or applications integrated into the Site or Features may be subject to other or additional intellectual property licenses, and thus, you must review any terms relevant to those third-party features or applications to determine the relevant license applicable thereto. You agree you will not violate the terms of any such separate license. #### Reciprocal License By using the Site, any other Interface, or any Feature, you grant us a limited, non-exclusive, sublicensable, worldwide, royalty free license to use, copy, modify, create derivative works of, and display any content or Feedback you provide to us or that you post on or through the Site, any other Interface, or any Features solely for our business purposes, including but not limited to the purpose of providing the Site, any other Interface, or Features for so long as is necessary to do so. By providing any Feedback or providing any information on or through the Site, any other Interface, or via the Features (collectively, the "**Content**"), you hereby grant to us a royalty-free, fully paid-up, sublicensable, transferable, perpetual, irrevocable, non-exclusive, worldwide license to use, copy, modify, create derivative works of, display, perform, publish and distribute, in any form, medium, or manner, any Content, including, without limitation, for promoting the Platform, its affiliates, the Features, the Site or any other Interface. You represent and warrant that (a) you own your Content or have the right to grant the rights and licenses in these Terms; and (b) your Content and our use of your Content, as licensed herein, do not and will not violate, misappropriate, or infringe on any third party's rights. #### Third Party Information or Services As discussed throughout the Terms, the Site, any other Interface, and Features may be integrated with or otherwise give access to applications, services, sites, technology, data, operations, features, and resources that are provided or otherwise made available by third parties ("**Third Party Services**"). If the Site, any other Interface, or Features may contain links to Third Party Services, then they are provided for your convenience only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access a third-party service integrated with or linked to any Interface or Feature, you do so entirely at your own risk and subject to the terms and conditions of use for such websites. We reserve the right to withdraw linking permission without notice. As further noted throughout these Terms, your access and use of Third Party Services may be subject to additional terms and conditions, privacy policies, or other agreements with those third parties, which we do not control and otherwise may have no relationship with. The Company also has no control over and is not responsible for such Third Party Services, including for the accuracy, availability, reliability, verification, or completeness of information or content shared by or available through Third Party Services, or the privacy practices of Third Party Services. Your use of any Third Party Services is directly between you and that third party, and you 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 Third Party Services. You, and not we, will be responsible for all costs and charges associated with your use of any Third Party Services. You acknowledge and agree that the Company is not responsible for the availability of such external sites, applications or resources, and does not endorse and is 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 Company shall 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. Please review any applicable terms, privacy policies or agreements of Third Party Services prior to using such services. The integration or inclusion of such Third Party Services does not imply an endorsement or recommendation of such Third Party Services. *** ### 9. User Content and Community Standards #### User-Generated Content The Platform allows you to create, upload, post, send, receive, and store content, including but not limited to text, photos, videos, audio, polls, and other materials (collectively, "**User Content**"). You retain ownership of your User Content, but by posting User Content to the Platform, you grant the Company the licenses described in Section 8.2. #### Content Standards All User Content must comply with the following standards: * **Lawful**: User Content must comply with all applicable laws and regulations. * **Truthful**: User Content must not contain false, misleading, or deceptive information. * **Respectful**: User Content must not be abusive, threatening, defamatory, or harassing toward others. * **Appropriate**: User Content must not contain obscene, pornographic, or sexually explicit material (except in designated adult-only sections, if applicable). * **Safe**: User Content must not contain malware, viruses, or other harmful code. * **Original**: User Content must not infringe on the intellectual property rights of others. * **Non-Exploitative**: User Content must not exploit, harm, or attempt to exploit or harm minors in any way. #### Content Moderation The Company reserves the right, but has no obligation, to: * Monitor, review, and moderate User Content; * Remove or refuse to post any User Content that violates these Terms or is otherwise objectionable; * Suspend or terminate accounts that repeatedly violate these Terms; * Cooperate with law enforcement regarding User Content that may violate applicable laws. The Company's decision to monitor, remove, or allow User Content does not constitute an endorsement of such content or a waiver of any rights. #### Reporting Violations If you believe that any User Content violates these Terms or applicable laws, please report it to us at . We will investigate and take appropriate action in accordance with these Terms and applicable law. *** ### 10. Indemnification You agree to defend, indemnify, and hold harmless us and our licensors, and each of their respective employees, officers, directors, and representatives (collectively, the "**Company Parties**") from and against all liability for monetary damages, contractual claims of any nature, economic loss (including direct, incidental or consequential damages), loss of income or profits, fines, penalties, exemplary or punitive damages, and any other injury, damage, or harm, including reasonable attorney's fees ("**Damages**") that relate in any way to any demand, claim, regulatory action, proceeding or lawsuit, regardless of the cause or alleged cause, whether the allegations are groundless, fraudulent, false, or lack merit and regardless of the theory of recovery ("**Claim(s)**") arising out of or relating to: (i) your use of the Interfaces or Features (including any use by your authorized users, and any User Content you post); (ii) breach of the Terms or violation of applicable law by you; (iii) a dispute between you and any third party, including other users; (iv) your alleged or actual infringement or misappropriation of any third party's intellectual property or other rights; (v) your Feedback; and (vi) your violation of any third party's rights. In the event we receive any third-party subpoena or other compulsory legal order or process associated with Claims described in (i) through (vi) above, then, in addition to the indemnification set forth above, you will reimburse us for our employees' and contractors' time and materials spent responding to such matters at our then-current hourly rates