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Last updated: July 1st, 2022


Hi! Welcome to CryptoSmartlife, a digital asset platform operated by and proprietary to Smartlife Digital Assets Pte Ltd, a company (doing business as : CryptoSmartlife Platform or Company) having registration credentials as 202129997W in Singapore. Please note that for our users in India, the CryptoSmartlife platform is operated by Smartliving Digital Technologies Private Limited, a Private limited company having registration credentials as U72200TG2021PTC155008. You agree and understand that by signing up to CryptoSmartlife and opening an account, you are agreeing to enter into this user agreement (the “User Agreement”) by and between you and CryptoSmartlife Company, and be legally bound by its terms and conditions, so please read them carefully. Please also note that there may be specific terms or conditions applicable to you as a user in a given jurisdiction, as detailed herein. If any term or condition of this User Agreement is unacceptable to you, please do not visit, access, or use CryptoSmartlife. Use of the words “we,” “us,” or “our” in this User Agreement refers to CryptoSmartlife Company, and any or all of its affliates.


PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY CLICKING THE "CREATE ACCOUNT" BUTTON OR BY ACCESSING OR USING THE SERVICES, YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS OF SERVICE AND ALL TERMS INCORPORATED BY REFERENCE.


Master Summary of Terms of Service


This summary of our Terms of Service oIers you an overview of the key terms that apply to your use of our website, transactions and other services. While we hope this summary section is helpful, you should read the complete Terms of Service below since they provide important information about how our services work. Please note that we refer to our online service where you can execute transactions and access our services as "CryptoSmartlife".

  1. Complete Terms of Service

    These Terms of Service and any terms expressly incorporated herein ("Terms") apply to your access to and use of the websites and mobile applications provided by CryptoSmartlife and its wholly owned subsidiaries, if any, (collectively, "CryptoSmartlife", "we", or "us"), and the trading, direct sale, staking and other services if any provided by CryptoSmartlife as described in these Terms. (collectively, our "Services").

    Our products and services may be provided through other operating entities that are related to CryptoSmartlife other than the entity stated above.

    1. Key Definitions

      Capitalized terms not otherwise de1ned in these Terms will have the following meaning:

      1. "External Account" means any Financial Account or Digital Asset Account: (i) from which you may load Funds (1at (if applicable) or non 1at) into your CryptoSmartlife Account, and (ii) to which you may transfer Funds from your CryptoSmartlife Account if allowed.

      2. "Financial Account" means any 1nancial account of which you are the bene1cial owner that is maintained by a third party outside of the Services, including, but not limited to third-party payment service accounts or accounts maintained by third party 1nancial institutions.

      3. "Funds" means Digital Asset and/or Legal Tender.

      4. "Legal Tender" means any national currency, such as INR or USD, that may be used when such a feature goes live, in connection with a purchase or sale of Digital Assets via the Services, and does not include any Digital Asset.

      5. "CryptoSmartlife Account" means a user account accessible via the Services where Funds may be stored by CryptoSmartlife on behalf of a user on its platform under the dashboard of the user.

        G. "Digital Asset" means bitcoins, ripples and other digital assets that may be purchased and used on the platform via the Services.

        7. "Digital Asset Account" means any Digital Asset address or account owned, controlled or operated by you that is maintained outside of the Services, and is not owned, controlled or operated by CryptoSmartlife.

    2. Eligibility

      CryptoSmartlife may not make the Services available in all markets and jurisdictions, and may restrict

      or prohibit use of the Services from certain foreign jurisdictions ("Restricted Locations"). If you are registering to use the Services on behalf of a legal entity, you represent and warrant that (i) such legal entity is duly organized and validly existing under the applicable laws of the jurisdiction of its organization; and (ii) you are duly authorized by such legal entity to act on its behalf.

      You further represent and warrant that you: (a) are of legal age to form a binding contract (at least 18 years old or the age of attaining adulthood in your jurisdiction); (b) have not previously been suspended or removed from using our Services; (c) have full power and authority to enter into this agreement and in doing so will not violate any other agreement to which you are a party; (d) are not located in, under the control of, or a national or resident of (i) any Restricted Locations, or (ii) any country to which India has embargoed goods or services; (e) are not identi1ed as a "Specially Designated National;" (f) are not placed on the Interpol's Denied Persons List; and (g) will not use our Services if any applicable laws in your country prohibit you from doing so in accordance with these Terms.

      Crypto Smartlife may condition your access or continued access to certain Services (or features of those Services), such as by imposing eligibility requirements. CryptoSmartlife will keep you informed of these on its website. CryptoSmartlife may require, on an ongoing basis, that you demonstrate to us that you continue to meet these requirements. CryptoSmartlife’s decisions with respect to eligibility are 1nal.

    3. Crypto Smartlife Account limitations per person

      1. Number of Crypto Smartlife Accounts. CryptoSmartlife may, in its sole discretion, limit the number of CryptoSmartlife Accounts that you may hold, maintain or acquire.

      2. CryptoSmartlife Account information and security. In order to engage in any trades via the Services, you must create a CryptoSmartlife Account and provide any requested information. When you create a CryptoSmartlife Account, you agree to: (a) create a strong password that you do not use for any other website or online service; (b) provide accurate and truthful information; (c) maintain and promptly update your CryptoSmartlife Account information; (d) maintain the security of your CryptoSmartlife Account by protecting your password and restricting access to your CryptoSmartlife Account; (e) promptly notify us if you discover or otherwise suspect any security breaches related to your CryptoSmartlife Account; and (f) take responsibility for all activities that occur under your CryptoSmartlife Account and accept all risks of any authorized or unauthorized access to your CryptoSmartlife Account, to the maximum extent permitted by law.

    4. Privacy Notice

      Please refer to our Privacy Notice for information about how we collect, use and share your information.

    5. General Obligations

      General Obligations applies to: (i) all transactions completed via the Services, (ii) your purchase and/or utilisation of Digital Assets directly from CryptoSmartlife via the Services, and (iii) any transaction in which you load Funds into your CryptoSmartlife Account from your External Account.

      1. Conditions and Restrictions. We may, at any time and in our sole discretion, refuse any trade submitted via the Services, impose limits on the trade amount permitted via the Services or impose any other conditions or restrictions upon your use of the Services for funding your CryptoSmartlife Account or for trading without prior notice to safeguard the interest of the platform and for fair transaction policies.

      2. Accuracy of Information. You must provide any information required when creating a CryptoSmartlife Account or when prompted by any screen displayed within the Services. You represent and warrant that any information you provide via the Services is accurate and complete.

      3. Cancellations. You may only cancel an order initiated via the Services if such cancellation occurs before CryptoSmartlife executes the transaction. Once your order has been executed, you may not change, withdraw or cancel your authorization for CryptoSmartlife to complete such a transaction. If an order has been partially completed, you may cancel the un1lled remainder if validated by CryptoSmartlife. We reserve the right to refuse any cancellation request associated with an order once you have submitted such an order. Normally all orders and transactions are irreversible once initiated. While we may, at our sole discretion, reverse a transaction, if legally possible, under certain extraordinary conditions, a customer does not have a right to a reversal of a transaction.

      4. Insu!cient Funds. If you have an insu cient amount of Funds in your CryptoSmartlife Account to complete a transaction via the Services, we may cancel the entire transaction or may ful1ll a partial transaction using the amount of Funds currently available in your CryptoSmartlife Account, less any fees owed to Crypto Smartlife in connection with our execution of the trade.

      5. Taxes. It is your complete responsibility to determine what, if any, taxes apply to the transactions you complete via the Services, and it is your responsibility to report and remit the correct tax to the appropriate tax authority. You agree that Crypto Smartlife is not responsible for determining whether taxes apply to your transactions or for collecting, reporting, withholding or remitting any taxes arising from any transactions.

      6. CryptoSmartlife Account Funds

        1. Funding your CryptoSmartlife Account. In order to complete a transaction via the Services, you must 1rst load Funds to your Crypto Smartlife Account using one of the approved External Accounts identi1ed via the Services. You may be required to verify that you control the External Account that you use to load Funds to your CryptoSmartlife Account. As further described herein, you may be charged fees by the External Account you use to fund your CryptoSmartlife Account. CryptoSmartlife is not responsible for any External Account fees or for the management and security of any External Account. You are solely responsible for your use of any External Account, and you agree to comply with all terms and conditions applicable to any External Account. The timing associated with a load transaction will depend in part upon the performance of third parties responsible for maintaining the applicable

          External Account, and CryptoSmartlife makes no guarantee regarding the amount of time it may take to load Funds into your CryptoSmartlife Account.

          About Funds Held In Your CryptoSmartlife Account - Be advised that funds held in your CryptoSmartlife account are exclusively for the purchase of Digital Assets. These funds may be utilised for the purposes of availing premium services on the platform. Note that CryptoSmartlife shall not pay interest on the balances held however if a staking policy is approved and informed to you then the same shall be applicable.

        2. Transferring Funds to an External Account. Provided that the balance of Funds in your CryptoSmartlife Account is greater than any minimum balance requirements if any needed to satisfy any of your open transactions, and subject to the restrictions set forth herein, you may transfer any amount of Funds, up to the total amount of Funds in your Crypto Smartlife Account in excess of such minimum balance requirements, from your CryptoSmartlife Account to an External Account, less any fees charged by CryptoSmartlife for such transactions when the external withdrawal feature becomes applicable on the platform. In ordinary circumstances you hold the funds in the CryptoSmartlife fund account for the purposes of availing of the services and not for any other purpose and the same shall be exclusively utilised for the same purpose only.

        3. Load/Transfer Authorization. When you request that we load Funds into your CryptoSmartlife Account from your External Account or request that we transfer Funds to your External Account from your CryptoSmartlife Account, you authorize CryptoSmartlife to execute such transactions via its allowed Services.

        4. Rejected Transactions. In some cases, the External Account may reject your Funds or may otherwise be unavailable to receive your Funds. You agree that you will not hold CryptoSmartlife liable whatsoever for any damages resulting from such rejected transactions.

      7. Services to transact Digital Assets

        This Section applies only when you use the Services to transact in Digital Assets for Legal Tender, OR to trade Digital Assets for another form of Digital Assets.

        1. Authorization. When you submit a new transaction via the Services, you authorize CryptoSmartlife to execute a transaction for oIering you premium features of the Platform.

        2. Independent relationship. You acknowledge and agree that: (a) CryptoSmartlife is not acting as your broker, intermediary, agent, or advisor or in any 1duciary capacity, and (b) no communication or information provided to you by CryptoSmartlife shall be considered or construed as legal advice. You are transacting as per your own will.

        3. Trade confirmation. Once the Services execute your transaction, a con1rmation will be electronically made available via the Services detailing the particulars of the transaction. You acknowledge and agree that the failure of the Services to provide such con1rmation shall not prejudice or invalidate the terms of such transaction of accepting the digital asset against the payment made by you to avail it and thereby use the premium services on our platform.

        4. Trade options. Please refer to the Transaction Guidelines stated in the website and / or in Terms, for information about the terminology used in connection with the transaction options made available via the Services. If you do not understand the meaning of any transaction or digital asset jargon, we strongly encourage you not to utilize any of those transaction options and refrain from using our service.

        5. Digital asset transaction rates. If you select a transaction to buy or avail digital assets, CryptoSmartlife will attempt, on a commercially reasonable basis, to execute the transaction on or close to the prevailing market exchange rate. However prior to that the digital asset price shall be available as per the digital asset platform and is a closed ended rate to be used within the platform only. You acknowledge and agree that the transaction rate information made available via our Services may diIer from prevailing external market rates if any, made available via other sources outside of the Services.

G. Market volatility . Particularly during periods of high volume, illiquidity, fast movement or volatility in the marketplace for any Digital Assets or Legal Tender, the actual market rate at which a market order or trade is executed may be diIerent from the prevailing rate indicated via the Services at the time of your order or transaction. You understand that we are not liable for any such price Ructuations. In the event of a market disruption or Force Majeure event, CryptoSmartlife may do one or more of the following: (a) suspend access to the Services; or (b) prevent you from completing any actions via the Service. Following any such event, when transaction resumes, you acknowledge that prevailing market rates may diIer signi1cantly from the rates available prior to such event.

  1. Transaction Settlement. Subject to the terms and conditions in these Terms, we will use commercially reasonable eIorts to settle transactions on a spot basis. However owing to challenges of blockchain emerging technology and other out of control situations we may make reasonable eIorts to ensure the validation of transactions however subject to limitation of blockchain and distributed ledger technology network congestion.

  2. Staking and other benefit Transactions. (not yet live but may be made live in future)

    1. In accordance with and subject to conditions herein, as part of the Services you may in future receive from CryptoSmartlife extensions of staking rewards in the form of Digital Assets (“staking and other bene1t transactions”) to avail premium and exclusive features of platform for Digital Assets on the CryptoSmartlife platform.

    2. You acknowledge, represent, warrant and agree that, prior to receiving an extension of such rewards from CryptoSmartlife, you will have read our Staking Rewards Statement when applicable mentioned in the website and general terms herein, understand the risks involved with staking rewards transactions, and have determined

      that purchasing and earning of Digital Assets with the use of staking rewards is appropriate for you.

    3. Staking Rewards and other bene1t on the CryptoSmartlife platform are made available under the following terms:

      1. Staking Credits. CryptoSmartlife agrees to establish for your bene1t and in your name a scheme for you to receive Digital Assets from CryptoSmartlife to make transactions through your CryptoSmartlife Account (your “Margin Account”). Your staking rewards credit is a component of your CryptoSmartlife Account.

      2. Staking Rewards and Transactions.

        1. Subject to the Terms, CryptoSmartlife agrees to provide to you, and you may obtain from and return to CryptoSmartlife from time to time, staking credits to support transactions (each such provision of Funds, a “staking reward”). No staking reward will occur unless you meet or exceed any minimum balance requirements imposed by CryptoSmartlife for your Account. Moreover, notwithstanding anything to the contrary herein, CryptoSmartlife is under no obligation to make any staking rewards to you and may decline a request to claim staking rewards in its sole discretion.

        2. When you use staking rewards and other bene1ts to eIectuate a transaction, you may be entering into a Digital Asset purchase transaction with one or more third-party trader(s) on the CryptoSmartlife platform (each a “Counterparty”). For example, you might use the staking rewards from Crypto Smartlife to buy more tokens from a Counterparty. In executing such transactions, CryptoSmartlife facilitates the transfer of ownership of the applicable Funds from the Counterparty to you (such Funds -- e.g., the Digital asset in the preceding example -- “Received Assets”) by registering you as the owner of the Received Assets on CryptoSmartlife’s internal blockchain based book-entry system.

        3. If you are not (or are no longer) eligible to receive staking rewards, each of your then-existing staking rewards will become due and must be terminated: (i) on or before the 30th day after such credit bene1t was made; or (ii) immediately upon loss of eligibility if such Staking reward was made earlier than 30 days prior to the date on which you were no longer eligible.

      3. Received Assets. All Received Assets are custodial assets held by Crypto Smartlife for your bene1t, as described in further detail below:

        1. Ownership. Title to Received Assets shall at all times remain with you and shall not transfer to CryptoSmartlife, except as provided herein. As the owner of the Received Assets in your CryptoSmartlife Account, you bear all risk of loss of such Received Assets. None of the Received Assets in your CryptoSmartlife Account are the property of CryptoSmartlife. Crypto Smartlife does not represent or treat Received Assets in your CryptoSmartlife Account as belonging to CryptoSmartlife. Except as required by a valid court order, or except as provided herein, CryptoSmartlife will not sell, transfer, loan, hypothecate or otherwise alienate Received Assets in your CryptoSmartlife Account unless instructed by you or as otherwise authorized by these Terms. For the avoidance of doubt, CryptoSmartlife makes no warranty that Digital Assets in your CryptoSmartlife Account (including Received Assets) are held by you free and clear of any security interest or other lien or encumbrance.

        2. Control. You control the Received Assets held in your Crypto Smartlife Account. At any time, subject to outages, downtime, and other applicable policies and the restrictions described herein, you may withdraw your Received Assets by transferring them to an External Account when such feature is live. Ordinarily it shall be used for availing premium features on the platform and for no other purpose.

      4. Terminating staking rewards Extensions. To terminate a staking rewards, you must transfer su cient Funds from your CryptoSmartlife Account to Crypto Smartlife through the Services. The Funds you use to terminate a staking rewards must be the same asset type as the denomination of the staking rewards (for example, you must terminate a digital asset-denominated staking rewards by transferring digital asset from your CryptoSmartlife Account to CryptoSmartlife through the Services). You may terminate a staking reward by either: (i) directing immediately available Funds in your CryptoSmartlife Account to CryptoSmartlife by availment of any premium service; or (ii) selling requisite Collateral Assets (as de1ned below) if any, or other assets in your CryptoSmartlife Account on the CryptoSmartlife platform and applying the proceeds to the termination of the corresponding staking rewards. Prior to satisfying the corresponding staking rewards pursuant to the preceding sentence, Received Assets and requisite Collateral Assets may not be otherwise transferred to an External Account or traded on the CryptoSmartlife platform.

      5. Restrictions on your CryptoSmartlife Account subject to satisfaction of your staking rewards obligations.

        1. You agree to maintain in your CryptoSmartlife Account, at all times during the term of a staking rewards, a speci1ed minimum amount of Funds approved by Crypto Smartlife to qualify as collateral ("Collateral Assets"). This minimum amount of Collateral Assets (the "Maintenance Requirement"). This minimum amount of Collateral Assets (the “Maintenance Requirement”) will be de1ned through the Services and you will be noti1ed of any changes to the Maintenance Requirement prior to those changes taking eIect. Such notice shall indicate the eIective date for those changes.

        2. A list of assets approved by CryptoSmartlife to be eligible as Collateral Assets will be de1ned through the Services and certain Digital Assets may only be valued as collateral on a discounted basis.

          You will be noti1ed of any changes to the list of eligible Collateral Assets or discounts applied to the valuation thereof prior to those changes taking eIect. Such notice shall indicate the eIective date for those changes.

        3. For purposes of calculating your compliance with the Maintenance Requirement, CryptoSmartlife will calculate (subject to any discounts) the market value of Collateral Assets on a continuous basis based on the prevailing value of each Digital Asset on one or more Digital Asset exchanges, including those operated by CryptoSmartlife if any. CryptoSmartlife has discretion to select Digital Asset exchanges for purposes of calculating this market value that Crypto Smartlife, in its reasonable judgment, believes oIers a reasonable valuation of a Digital Asset.

        4. You hereby authorize and instruct CryptoSmartlife, in the event the value of your Collateral Assets falls below the Maintenance Requirement, to, without further notice to you: (a) place a market order on the CryptoSmartlife platform, on your behalf, to sell your Received Assets and apply the proceeds towards terminating your staking reward Extension(s); and/or (b) liquidate such other Funds in your account in the manner and amount practicable, in Crypto Smartlife’s reasonable discretion, to terminate the staking rewards either in full, or in an amount su cient, in CryptoSmartlife’s reasonable discretion, to restore the value of your Collateral Assets to an amount equal to or exceeding the Maintenance Requirement.

G. Staking Reward Period. Is the period when the staking rewards are earned on eligibility. However, we may, in our sole discretion, modify any or all existing and/or future Staking Reward Periods (i) in accordance with any information we make available on our website or provide to you in any other manner, or

(ii) otherwise in connection with our exercise of any of our rights and obligations under these Terms. You hereby authorize and instruct Crypto

Smartlife, for (a) place a transaction on the CryptoSmartlife platform, on your behalf, to sell your Received Assets and apply the proceeds to the staking rewards credit on your standing instructions; and/or (b) liquidate such other Funds in your account, in the manner and amount practicable, in CryptoSmartlife’s reasonable discretion, to terminate the staking rewards holding collateral asset.

  1. Payment of Fees; Default.

    1. Fees charged on and in connection with any staking rewards shall be at the applicable rates and methods of computation speci1ed in the Fee Schedule (the “Staking Fees”). If at any time and for any reason, the staking Fees on any staking reward credits made under these Terms exceeds the maximum rates permitted to be charged by CryptoSmartlife to you under applicable law, the parties hereto agree that the staking Fees shall be reduced automatically to the maximum rates permitted to be charged under applicable law.

    2. Upon your failure to satisfy the Maintenance Requirement, to make any payment of fees, including staking Fees, when due or to terminate a staking reward when required, or upon otherwise materially breaching this clause, your staking rewards shall be immediately due and must be terminated (and any accrued and unpaid fees thereon and any fees and costs of collection must be paid) and, to the extent permitted by applicable law and in addition to any other remedies available to it, CryptoSmartlife, in its sole discretion, may apply the proceeds from the sale of any Digital Assets in your Account, whether such Digital Assets are considered Collateral Assets as de1ned in the Terms or not, 1rst to the payment of any outstanding fees, commissions, charges or other expenses then due to CryptoSmartlife, and then to the termination of your staking rewards. If your CryptoSmartlife Account balance becomes negative


  2. Risk Disclosure

in any case whatsoever, you agree to pay the amount of Funds owed to CryptoSmartlife within 24 hours.

  1. Discontinuance of staking rewards Services. In exercising its rights mentioned herein after, CryptoSmartlife may, irrespective of any staking rewards credit Period for any outstanding staking rewards, cease making available credit Extensions for certain Digital Assets for any or all users. You hereby authorize and instruct CryptoSmartlife, without notice to you, as of the date that CryptoSmartlife elects, to: (a) liquidate your Received Assets, in the manner practicable, in CryptoSmartlife's reasonable discretion, and apply the proceeds to the termination of the staking rewards; and/or (b) liquidate such other Funds in your account, in the manner and amount practicable, in CryptoSmartlife's reasonable discretion, to terminate the staking rewards credits in full.

    1. Transaction risks. You acknowledge and agree that you shall access and use the Services at your own risk. The risk of loss in transacting Digital Asset can be substantial. You should, therefore, carefully consider whether such transacting is suitable for you in light of your circumstances and 1nancial resources. You should be aware of the following points:

      1. You may sustain a total loss of the Funds in your CryptoSmartlife Account, and, in some cases, you may incur losses beyond such Funds.

      2. One listed, Placing contingent orders, such as "stop-loss" or "stop-limit" orders, will not necessarily limit your losses to the intended amounts, since market conditions may make it impossible to execute such orders.

      3. All Digital Asset positions involve risk, including a risk to non utilise the token for the intended purpose on the CryptoSmartlife platform.

      4. The use of leverage can work against you as well as for you and can lead to large losses as well as gains. Digital assets is in no way an assurance for the promised service though adequate safeguards for quality of service shall be put in place however the digital asset industry is highly volatile and you enter in such transactions at your own risk and for your own risk or rewards with no liability towards CryptoSmartlife.


        ALL OF THE POINTS NOTED ABOVE APPLY TO ALL DIGITAL ASSET TRANSACTIONS. THIS BRIEF STATEMENT CANNOT, OF COURSE, DISCLOSE ALL THE RISKS AND OTHER ASPECTS ASSOCIATED WITH THESE TRANSACTIONS.

    2. Internet transmission risks. You acknowledge that there are risks associated with utilizing an Internet-based trading system including, but not limited to, the failure of hardware, software, and Internet connections. You acknowledge that CryptoSmartlife shall not be responsible for any communication failures, disruptions, errors, distortions or delays you may experience when trading via the Services, however caused.

  2. Digital Asset Terms of Sale

    This Section applies only when you use the Services to purchase or utilise Digital Assets directly from CryptoSmartlife, a service available in limited jurisdictions only.

    1. Prices; Availability. All digital asset prices reRect the rates applicable to the purchase or utilisation of Digital Assets, an alternative form of Digital Assets identi1ed in your purchase order. All Digital Asset sales and purchases by CryptoSmartlife are subject to availability, and we reserve the right to discontinue the sale and purchase of Digital Assets without notice.

    2. Quotes. Prior to completing your purchase of Digital Assets from CryptoSmartlife, we will provide notice of the amount of Digital Assets you intend to purchase or utilise and the amount of Funds you will be required to pay to CryptoSmartlife to receive such Digital Assets. You agree to comply with any terms and conditions provided within such notice to complete your purchase transaction.

    3. Errors. In the event of an error, whether via our Services, in a purchase order con1rmation, in processing your purchase, or otherwise, we reserve the right to correct such error and revise your purchase transaction accordingly (including charging the correct price) or to cancel the purchase and refund any amount received. Your sole remedy in the event of an error is to cancel your purchase order transaction and obtain a refund of any amount charged if applicable.

    4. Payment Method. Only valid payment methods speci1ed by us may be used to purchase Digital Assets. By placing an order to purchase Digital Assets from CryptoSmartlife, you represent and warrant that (a) you are authorized to use the designated payment method and

      (b) you authorize us, or our payment processor, to charge your designated payment method. If the payment method you designate cannot be veri1ed, is invalid or is otherwise not acceptable, your purchase order may be suspended or cancelled automatically. You agree to resolve any problems we encounter in order to proceed with your purchase order.

    5. No Returns or Refunds. All sales and purchases of Digital Assets by CryptoSmartlife via the Services are 1nal. We do not accept any returns or provide refunds for your purchase of Digital Assets from CryptoSmartlife, except as otherwise provided in these Terms.

  3. Fees

    1. Amount of Fees. In addition to the fees speci1ed in clause 7 above, you agree to pay CryptoSmartlife the transaction fees for trades completed via our Services ("Fees") as made available via the Fees Info ("Fee Schedule") on the website, which we may change from time to time. Changes to the Fee Schedule are eIective as of the eIective date indicated in the posting of the revised Fee Schedule to the Services, and will apply prospectively to any trades that take place following the eIective date of such revised Fee Schedule.

    2. Third-Party Fees. In addition to the Fees, your External Account may impose fees in connection with your use of your designated External Account via the Services. Any fees imposed by your External Account provider will not be reRected on the transaction screens containing information regarding applicable Fees. You are solely responsible for paying any fees imposed by an External Account provider.

    3. Payment of Fees. You authorize us, or our designated payment processor, to charge or deduct your CryptoSmartlife Account Funds for any applicable Fees owed in connection with trades you complete via the Services.

    4. Collection-Related Costs. If you fail to pay Fees or any other amounts owed to CryptoSmartlife under these Terms and CryptoSmartlife refers your account(s) to a third party for collection, then CryptoSmartlife will charge you the lesser of an 18% collection fee or the maximum percentage permitted by applicable law, to cover CryptoSmartlife's collection-related costs.

  4. Electronic Notices

    1. Consent to Electronic Delivery. You agree and consent to receive electronically all communications, agreements, documents, receipts, notices and disclosures (collectively, "Communications") that CryptoSmartlife provides in connection with your CryptoSmartlife Account and/or use of the CryptoSmartlife Services. You agree that CryptoSmartlife may provide these Communications to you by posting them via the Services, by emailing them to you at the email address you provide, and/or by sending an SMS or text message to a mobile phone number that you provide. Your carrier's normal messaging, data and other rates and fees may apply to any mobile Communications. You should maintain copies of electronic Communications by printing a paper copy or saving an electronic copy. You may also contact us through email support to request additional electronic copies of Communications or, for a fee, paper copies of Communications (as described below).

    2. Hardware and Software Requirements. In order to access and retain electronic Communications, you will need a computer with an Internet connection that has a current web browser with cookies enabled and 128-bit encryption. You will also need to have a valid email address on 1le with CryptoSmartlife and have su cient storage space to save past Communications or an installed printer to print them.

    3. Withdrawal of Consent. You may withdraw your consent to receive electronic Communications by sending a withdrawal notice to support. If you decline or withdraw consent to receive electronic Communications, CryptoSmartlife may suspend or terminate your use of the Services. Unsubscribe requests submitted on general email may take up to 10 business days to process.

    4. Requesting Paper Copies. If, after you consent to receive Communications electronically, you would like a paper copy of a Communication we previously sent you, you may request a copy within 30 days after the date we provided the Communication to you by contacting support. In order for us to send paper copies to you, you must have a current street address on

      1le with CryptoSmartlife. Please note that CryptoSmartlife operates exclusively online and it is very burdensome for us to produce paper copies of Communications. Therefore, if you request paper copies, you understand and agree that CryptoSmartlife may charge you a processing fee, in the amount described in the Fee Schedule, for each page of Communication requested.

    5. Updating Contact Information. It is your responsibility to keep your email address and/or mobile phone number on 1le with CryptoSmartlife up to date so that CryptoSmartlife can communicate with you electronically. You understand and agree that if CryptoSmartlife sends you an electronic Communication but you do not receive it because your email address or mobile phone number on 1le is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, CryptoSmartlife will be deemed to have provided the Communication to you. Please note that if you use a spam 1lter that blocks or re-routes emails from senders not listed in your email address book, you must add CryptoSmartlife to your email address book so that you will be able to receive the Communications we send to you. You can update your email address, mobile phone number or street address at any time by logging into your CryptoSmartlife Account or by sending such information to support. If your email address or mobile phone number becomes invalid such that electronic Communications sent to you by CryptoSmartlife are returned, Crypto Smartlife may deem your account to be inactive, and you may not be able to complete any transaction via our Services until we receive a valid, working email address or mobile phone number from you.

  5. Unclaimed Property

    If for any reason CryptoSmartlife is holding Funds in your CryptoSmartlife Account on your behalf, and CryptoSmartlife is unable to return your Funds to your designated External Account after a period of inactivity, then CryptoSmartlife may report and remit such Funds in accordance with applicable state unclaimed property laws.

  6. Acceptable Use

    When accessing or using the Services, you agree that you will not violate any law, contract, intellectual property or other third-party right or commit a tort, and that you are solely responsible for your conduct while using our Services. Without limiting the generality of the foregoing, you agree that you will not:

    1. Use our Services in any manner that could interfere with, disrupt, negatively aIect or inhibit other users from fully enjoying our Services, or that could damage, disable, overburden or impair the functioning of our Services in any manner;

    2. Use our Services to pay for, support or otherwise engage in any illegal gambling activities; fraud; money-laundering; or terrorist activities; or other illegal activities;

    3. Use any robot, spider, crawler, scraper or other automated means or interface not provided by us to access our Services or to extract data;

    4. Use or attempt to use another user's account without authorization;

    5. Attempt to circumvent any content 1ltering techniques we employ, or attempt to access any service or area of our Services that you are not authorized to access;

      G. Develop any third-party applications that interact with our Services without our prior written consent;

      1. Provide false, inaccurate, or misleading information; and

      2. Encourage or induce any third party to engage in any of the activities prohibited under this Section.

  7. Feedback

    We will own exclusive rights, including all intellectual property rights, to any feedback, suggestions, ideas or other information or materials regarding CryptoSmartlife or our Services that you provide, whether by email, posting through our Services or otherwise ("Feedback"). Any Feedback you submit is non-con1dential and shall become the sole property of CryptoSmartlife. We will be entitled to the unrestricted use and dissemination of such Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you. You waive any rights you may have to the Feedback (including any copyrights or moral rights). Do not send us Feedback if you expect to be paid or want to continue to own or claim rights in them; your idea might be great, but we may have already had the same or a similar idea and we do not want disputes. We also have the right to disclose your identity to any third party who is claiming that any content posted by you constitutes a violation of their intellectual property rights, or of their right to privacy. We have the right to remove any posting you make on our website if, in our opinion, your post does not comply with the content standards set out in this section.

  8. Copyrights and Other Intellectual Property Rights

Unless otherwise indicated by us, all copyright and other intellectual property rights in all content and other materials contained on our website or provided in connection with the Services, including, without limitation, the CryptoSmartlife or CryptoSmartlife logo and all designs, text, graphics, pictures, information, data, software, sound 1les, other 1les and the selection and arrangement thereof (collectively, "Crypto Smartlife Materials") are the proprietary property of CryptoSmartlife or our licensors or suppliers and are protected by India and international copyright laws and other intellectual property rights laws.

We hereby grant you a limited, nonexclusive and non-sublicensable license to access and use the CryptoSmartlife Materials for your personal or internal business use. Such license is subject to these Terms and does not permit (a) any resale of the Crypto Smartlife Materials; (b) the distribution, public performance or public display of any CryptoSmartlife Materials; (c) modifying or otherwise making

any derivative uses of the CryptoSmartlife Materials, or any portion thereof; or (d) any use of the Crypto Smartlife Materials other than for their intended purposes. The license granted under this Section will automatically terminate if we suspend or terminate your access to the Services.

1G. Trademarks

"Crypto Smartlife," the CryptoSmartlife logo and any other CryptoSmartlife product or service names, logos or slogans that may appear on our Services are trademarks of CryptoSmartlife, in Singapore and in other countries, and may not be copied, imitated or used, in whole or in part, without our prior written permission. You may not use any trademark, product or service name of CryptoSmartlife without our prior written permission, including without limitation any metatags or other "hidden text" utilizing any trademark, product or service name of CryptoSmartlife. In addition, the look and feel of our Services, including all page headers, custom graphics, button icons and scripts, is the service mark, trademark and/or trade dress of CryptoSmartlife and may not be copied, imitated or used, in whole or in part, without our prior written permission. All other trademarks, registered trademarks, product names and company names or logos mentioned through our Services are the property of their respective owners. Reference to any products, services, processes or other information, by name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation by us.

  1. Third-Party Content

    In using our Services, you may view content provided by third parties, including links to web pages of such parties, including but not limited to Facebook and Twitter links ("Third-Party Content"). We do not control, endorse or adopt any Third-Party Content and shall have no responsibility for Third-Party Content, including without limitation material that may be misleading, incomplete, erroneous, oIensive, indecent or otherwise objectionable. In addition, your business dealings or correspondence with such third parties are solely between you and the third parties. We are not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings, and you understand that your use of Third-Party Content, and your interactions with third parties, is at your own risk.

  2. Suspension; Termination

    In the event of any Force Majeure Event, breach of these Terms, or any other event that would make provision of the Services commercially unreasonable for CryptoSmartlife, we may, in our discretion and without liability to you, with or without prior notice, suspend your access to all or a portion of our Services. We may terminate your access to the Services in our sole discretion, immediately and without prior notice, and delete or deactivate your CryptoSmartlife Account and all related information and 1les in such account without liability to you, including, for instance, in the event that you breach any term of these Terms. In the event of termination, CryptoSmartlife will attempt to return any Funds stored in your CryptoSmartlife Account not otherwise owed to CryptoSmartlife, unless CryptoSmartlife believes you have committed fraud, negligence or other misconduct.

  3. Discontinuance of Services

    We may, in our sole discretion and without liability to you, with or without prior notice and at any time, modify or discontinue, temporarily or permanently, any portion of our Services.

  4. Disclaimer of Warranties

    EXCEPT AS EXPRESSLY PROVIDED TO THE CONTRARY IN A WRITING BY US, OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE EXPRESSLY DISCLAIM, AND YOU WAIVE, ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT AS TO OUR SERVICES, INCLUDING THE INFORMATION, CONTENT AND MATERIALS CONTAINED THEREIN.

    YOU ACKNOWLEDGE THAT INFORMATION YOU STORE OR TRANSFER THROUGH OUR SERVICES MAY BECOME IRRETRIEVABLY LOST OR CORRUPTED OR TEMPORARILY UNAVAILABLE DUE TO A VARIETY OF CAUSES, INCLUDING SOFTWARE FAILURES, PROTOCOL CHANGES BY THIRD PARTY PROVIDERS, INTERNET OUTAGES, FORCE MAJEURE EVENT OR OTHER DISASTERS INCLUDING THIRD PARTY DDOS ATTACKS, SCHEDULED OR UNSCHEDULED MAINTENANCE, OR OTHER CAUSES EITHER WITHIN OR OUTSIDE OUR CONTROL. YOU ARE SOLELY RESPONSIBLE FOR BACKING UP AND MAINTAINING DUPLICATE COPIES OF ANY INFORMATION YOU STORE OR TRANSFER THROUGH OUR SERVICES.

    Some jurisdictions do not allow the disclaimer of implied terms in contracts with consumers, so some or all of the disclaimers in this section may not apply to you.

  5. Limitation of Liability

    1. EXCEPT AS OTHERWISE REQUIRED BY LAW, IN NO EVENT SHALL CryptoSmartlife, OUR DIRECTORS, MEMBERS, EMPLOYEES OR AGENTS BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF PROFITS OR LOSS OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE) OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF OR INABILITY TO USE OUR SERVICES OR THE CryptoSmartlife MATERIALS, INCLUDING WITHOUT LIMITATION ANY DAMAGES CAUSED BY OR RESULTING FROM RELIANCE BY ANY USER ON ANY INFORMATION OBTAINED FROM CryptoSmartlife, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAIL, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM A FORCE MAJEURE EVENT, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO Crypto Smartlife'S RECORDS, PROGRAMS OR SERVICES.


      Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the limitations of this section may not apply to you.


    2. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE AGGREGATE LIABILITY OF CryptoSmartlife (INCLUDING OUR DIRECTORS, MEMBERS, EMPLOYEES AND AGENTS), WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE, WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, CryptoSmartlife OR TO THESE TERMS EXCEED THE FEES PAID BY YOU TO CryptoSmartlife DURING THE 12 MONTHS IMMEDIATELY PRECEDING THE DATE OF ANY CLAIM GIVING RISE TO SUCH LIABILITY.

  6. Indemnity

    You agree to defend, indemnify and hold harmless CryptoSmartlife (and each of our o cers, directors, members, employees, agents and a liates) from any claim, demand, action, damage, loss, cost or expense, including without limitation reasonable attorneys’ fees, arising out or relating to (a) your use of, or conduct in connection with, our Services; (b) any Feedback you provide; (c) your violation of these Terms; or (d) your violation of any rights of any other person or entity. If you are obligated to indemnify us, we will have the right, in our sole discretion, to control any action or proceeding (at our expense) and determine whether we wish to settle it.

  7. Applicable Law; Arbitration

    PLEASE READ THE FOLLOWING PARAGRAPH CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE DISPUTES WITH US AND IT LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF.

    You and CryptoSmartlife agree to arbitrate any dispute arising from these Terms or your use of the Services, except for disputes in which either party seeks equitable and other relief for the alleged unlawful use of copyrights, trademarks, trade names, logos, trade secrets or patents. ARBITRATION PREVENTS YOU FROM SUING IN COURT. You and CryptoSmartlife agree to notify each other in writing of any dispute within thirty (30) days of when it arises. Notice to CryptoSmartlife shall be sent to social@cryptoSmartlife.com. You and CryptoSmartlife further agree: (a) to attempt informal resolution prior to any demand for arbitration; (b) that any arbitration will occur in Singapore; (c) that arbitration will be conducted con1dentially by a single arbitrator in accordance with the rules of Arbitration Conciliation Act of Singapore; and (d) that the state or federal courts in Singapore have exclusive jurisdiction over any appeals of an arbitration award and over any suit between the parties not subject to arbitration. Other than class procedures and remedies discussed below, the arbitrator has the authority to grant any remedy that would otherwise be available in court. Any dispute between the parties will be governed by these Terms and the laws of Singapore and applicable Singaporean law, without giving eIect to any conRict of laws principles that may provide for the application of the law of another jurisdiction. Whether the dispute is heard in arbitration or in court, you and Crypto Smartlife will not commence a class action, class arbitration or representative action or proceeding.

  8. Miscellaneous

    1. Entire Agreement; Order of Precedence. These Terms contain the entire agreement, and supersede all prior and contemporaneous understandings between the parties regarding the Services. These Terms do not alter the terms or conditions of any other electronic or written agreement you may have with CryptoSmartlife for the Services or for any other CryptoSmartlife product or service or otherwise. In the event of any conRict between these Terms and any other agreement you may have with CryptoSmartlife, the terms of that other agreement will control only if these Terms are speci1cally identi1ed and declared to be overridden by such other agreement.

    2. Amendment. We reserve the right to make changes or modi1cations to these Terms from time to time, in our sole discretion, by posting the amended Terms via the applicable Crypto Smartlife websites and mobile applications or by communicating these changes through any written or other contact method we have established with you and updating the "Last Updated" date at the top of these Terms. The amended Terms will be eIective immediately thereafter and your use of the Services following the date on which such amended Terms are published will constitute consent to such amendments.

    3. Waiver. Our failure or delay in exercising any right, power or privilege under these Terms shall not operate as a waiver thereof.

    4. Severability. The invalidity or unenforceability of any of these Terms shall not aIect the validity or enforceability of any other of these Terms, all of which shall remain in full force and eIect.

    5. Force Majeure Events. CryptoSmartlife shall not be liable for (1) any inaccuracy, error, delay in, or omission of (i) any information, or (ii) the transmission or delivery of information; (2) any loss or damage arising from any event beyond CryptoSmartlife's reasonable control, including but not limited to Rood, extraordinary weather conditions, Covid19, earthquake, or other act of God, 1re, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction or any other cause beyond CryptoSmartlife's reasonable control (each, a "Force Majeure Event").

    G. Assignment. You may not assign or transfer any of your rights or obligations under these Terms without prior written consent from CryptoSmartlife, including by operation of law or in connection with any change of control. CryptoSmartlife may assign or transfer any or all of its rights under these Terms, in whole or in part, without obtaining your consent or approval.

    1. Headings. Headings of sections are for convenience only and shall not be used to limit or construe such sections.

    2. Survival. Clauses - (Eligibility), (CryptoSmartlife Account), (Risk Disclosure), (Fees), (Unclaimed Property), (Feedback), (Copyrights), (Trademarks), (Third-Party Content), (Disclaimer of Warranties), (Limitation of Liability); (Indemnity), (Applicable Law; Arbitration) and this clause (Miscellaneous) shall survive any termination or expiration of these Terms.

  9. Jurisdiction-specific Legal Disclosures

Crypto Smartlife maintains licenses and registrations in certain jurisdictions to provide you our Services. These licenses or registrations may impact our provision and your use of our services depending on where you live or are domiciled. Information regarding certain of CryptoSmartlife’s licenses and registrations, or lack thereof, and corresponding disclosures can be found on the CryptoSmartlife website pages, which is incorporated into these Terms by reference. By creating a CryptoSmartlife account, you acknowledge that you have read, understand and agree to those disclosures that are applicable to you.

Disclosure Statement


We are furnishing this document to you to provide some basic facts about purchasing digital assets and to alert you to the risks involved with trading digital assets. Before trading assets, you should carefully review this disclosure statement. Please contact us through support regarding any questions or concerns you may have with your margin accounts.


When you purchase new digital assets for existing digital asset or vice versa, you may pay in full with your own funds or by posting assets in your account as collateral, with funds (stakes) provided by CryptoSmartlife to you. If the collateral supporting your transaction declines in value by an amount speci1ed by CryptoSmartlife, you authorize Crypto Smartlife to issue a margin call and/or sell assets in your account, in order to maintain equity in the account that meets or exceeds the minimum margin requirement.


It is important that you fully understand the unique risks involved in transacting in digital assets before determining whether such trading is appropriate for you. These risks include the following:


  • Using digital asset to support spot transactions poses a high degree of financial risk and is not suitable for everyone. The use of leverage can work against you as well as for you and can lead to large losses as well as gains. You should examine your 1nancial objectives, 1nancial resources and risk tolerance to determine whether receiving digital assets against the assets in your CryptoSmartlife Account is appropriate for you.

  • You can rapidly lose all of the funds you deposit for trading and may lose more funds than you deposit in your Crypto Smartlife account. The prices of digital assets are highly volatile and a decline in the value of assets that are purchased or sold may require you to provide additional funds to us, on short notice or with no notice, to avoid the automatic liquidation of assets in your account(s).

  • You authorize us to sell assets in your account without further notice to you. If the equity in your account falls below our margin requirements to oIer you digital assets, you authorize CryptoSmartlife to sell assets in your account to cover the de1ciency. You will be responsible for any shortfall in

    the account after such a sale. As Digital Asset markets are open 24 hours a day, 7 days a week, calls and liquidations may occur at any time, including outside of normal business hours.

  • You authorize us to sell your assets without contacting you. Do not mistakenly believe that we must contact you for a transaction call to be valid, and that we may not liquidate assets in your account unless we have contacted you 1rst. This is not the case. We will attempt to notify you of transaction calls, but we are not required to do so speci1cally other than what is shown to you on screen during the transaction of the digital asset. Moreover, even if we have contacted you and provided a speci1c date by which you must meet a transaction balance, we may still immediately sell assets in your account without notice to you and without waiting for the speci1c date to meet a requirement.

  • We can increase maintenance requirements with advance notice. The maintenance requirements may result in the issuance of a maintenance call. Your failure to satisfy the call may cause us to liquidate or sell assets in your account(s). We are not responsible for delays in the release of funds intended to satisfy the call, including but not limited to internal holds on funds exceeding veri1cation limits, delays in the transfer of funds from external accounts maintained by third-party 1nancial institutions, and failure of proper routing of funds through 1nancial networks. The funds will not count towards meeting the maintenance requirements until the funds are released. These are most applicable in case of staking rewards and locking of funds during the staking period or during the period the oIer of premium services under the CryptoSmartlife platform are oIered against utilising digital asset tokens.

ADDENDUM: STANDARD THIRD PARTY TERMS


Electronic Fund Transfers ("EFTs") and Account Balances. By creating a CryptoSmartlife Account and initiating deposits or withdrawals (i.e., EFTs), you agree to the terms of service and privacy policy of our third party providers, if any, whose terms may be incorporated herein by reference. Terms not de1ned in this section shall be de1ned in third party providers, if any, own’s website on redirect or upon using of third party service.


Our Company may partner with third party or other service providers or a 1nancial services software company, to oIer you EFTs. When you create a CryptoSmartlife Account, you may also be prompted to sign up for such a User Account if any. You authorize our Company to share your identity and banking information with such third parties to open and support your CryptoSmartlife Account as further detailed in our Privacy Policy and third party’s Privacy Policy. It is your responsibility to make sure the data you provide us is accurate and complete. Additionally, you are responsible for complying with such third party terms when using your User Account. IT IS YOUR RESPONSIBILITY TO READ AND UNDERSTAND THE THIRD PARTY TERMS, AS IT CONTAINS TERMS AND CONDITIONS RELATING TO YOUR ETF USER ACCOUNT, INCLUDING BUT NOT LIMITED TO YOUR RIGHTS, LIMITATIONS, REVERSAL AND OTHER LIABILITIES, LIMITATION OF LIABILITY AND BINDING ARBITRATION PROVISIONS.

ADDENDUM: Staking Services ("Staking Addendum")


    1. General. The Staking Services may be made available by CryptoSmartlife to users that ful1ll the eligibility criteria in the Terms of Service. By using the Staking Services, you agree that you have read, understand, and accept all of the terms in this Staking Addendum. You further agree and understand that this Staking Addendum is subject to the terms and conditions set forth in the Terms of Service.


    2. Staking Services. When you buy or hold one of the Digital Assets eligible for staking (the “Supported Coins”), you are consenting to such Supported Coins being staked in part or in entirety by CryptoSmartlife, or a third party on behalf of CryptoSmartlife, in CryptoSmartlife’s sole discretion (the “Staking Services”). Please refer to your CryptoSmartlife Account for further information regarding the Staking Services.


    3. Opting into Staking Services & Staking Reward Terms. In order to use the Staking Services, you must opt-in by selecting the Supported Coins to stake from your CryptoSmartlife Account. By opting-in a portion or your entire balance of Supported Coins, we shall remit to you the applicable percentage of staking rewards attributable to your staked Supported Coins (“Staking Rewards”) as detailed in your CryptoSmartlife Account. The percentage and timing of such remittances will: (i) be determined by CryptoSmartlife in its sole discretion;

      (ii) be subject to CryptoSmartlife’s staking fee; (iii) vary by the Supported Protocol; and (iv) be further detailed in your CryptoSmartlife Account. You agree and understand that CryptoSmartlife does not guarantee that you will receive Staking Rewards and that the applicable percentage of Staking Rewards (i) is an estimate only and not guaranteed, (ii) may change at any time in Crypto Smartlife’s sole discretion, and (iii) may be more or less than the actual Staking Rewards CryptoSmartlife receives from the Supported Protocol.


    4. Slashing Penalty. A determination by the Supported Protocol that the Staking Service has been erroneously operated may result in a “slashing penalty” and non-payment of the speci1ed Staking Rewards. CryptoSmartlife agrees to compensate you for any slashing penalties to the extent such penalties are not a result

      of (i) your acts or omissions, (ii) Supported Protocol maintenance, bugs, or errors, (iii) acts by a hacker or other malicious actor, or (iv) Force Majeure Events.


    5. No Guarantee of Staking Services. While CryptoSmartlife employs measures to ensure that the Staking Services are accessible 24 hours a day and 7 days a week, CryptoSmartlife cannot guarantee uninterrupted or error-free operation of the Staking Services or that CryptoSmartlife will correct all defects or prevent third-party disruptions or unauthorized third party access. In the event of such disruptions, any staked Supported Coins may not be generating the Staking Rewards.

Annex D


ADDENDUM: O -chain Staking Services


CryptoSmartlife Pte Ltd, a Singaporean company (“CryptoSmartlife” and, together with any other CryptoSmartlife entities providing you Services under the Terms (as de1ned herein), “CryptoSmartlife,” “we” or “us”) provides you the option to contribute and earn rewards on eligible, available and idle account balances you otherwise maintain in your CryptoSmartlife Account (the “OI-chain Staking Program”) subject to the terms and conditions of this Annex (this “Addendum”).


This Addendum incorporates by reference and supplements the Terms of Service (the “Terms”). Capitalized terms used but not de1ned herein shall have the meanings given to them in the Terms. In the event of a conRict between the Terms and this Addendum with respect to the OI-chain Staking Program, the terms of this Addendum will control.


NO CryptoSmartlife ENTITY IS A BANK OR OTHER DEPOSITORY INSTITUTION. YOUR CryptoSmartlife ACCOUNT IS NOT A DEPOSIT ACCOUNT OR A BANK ACCOUNT. THE OFF-CHAIN STAKING PROGRAM IS NOT A DEPOSITORY OR BANK PROGRAM. NEITHER YOUR CryptoSmartlife ACCOUNT NOR STAKED ASSETS (AS DEFINED HEREIN) ARE COVERED BY INSURANCE AGAINST LOSSES OR SUBJECT TO FEDERAL DEPOSIT INSURANCE CORPORATION (“FDIC”) OR SECURITIES INVESTOR PROTECTION CORPORATION (“SIPC”) PROTECTIONS OR THE PROTECTIONS OF ANY COMPARABLE ORGANIZATION ANYWHERE IN THE WORLD.


  1. The O -chain Staking Program.


    1. The Off-chain Staking Program is a separate service from the Staking Services described in Annex above to the Terms. The Staking Services allow (i) CryptoSmartlife or a third party acting on CryptoSmartlife’s behalf to use Supported Coins as collateral in connection with validating transactions on applicable Proof-of-Stake

      networks and (ii) eligible CryptoSmartlife clients to opt-in to receive a portion of the rewards generated by these transaction validation activities. The OI-chain Staking Program allows you to contribute Available Assets (as de1ned herein) to us in exchange for the opportunity to earn Rewards (as de1ned herein).


    2. Eligible Assets. A list of assets that are currently eligible for use in the OI-chain Staking Program is available at request to the CryptoSmartlife by email (each an “Eligible Asset” and collectively, “Eligible Assets”). We may decide to add or remove assets from the list of Eligible Assets at any time in our sole discretion.


    3. Eligible participants. The OI-chain Staking Program may be made available by CryptoSmartlife to users who ful1l the eligibility criteria of the Terms; provided, however, that you may not use the OI-chain Staking Program if you are located in or a national or resident of: (i) any Restricted Location; (ii) the United Kingdom or the USA; (iii) any jurisdiction in which CryptoSmartlife is not authorized to provide the OI-chain Staking Program; or (iv) any jurisdiction where your use of the OI-chain Staking Program would be illegal or otherwise violate any applicable law or regulation of that jurisdiction (each of the above locations, a “Restricted Jurisdiction”).


    CryptoSmartlife MAKES NO REPRESENTATION OR WARRANTY THAT THE OFF-CHAIN STAKING PROGRAM IS APPROPRIATE FOR USE IN ALL LOCATIONS, OR THAT THE TRANSACTIONS AND SERVICES DESCRIBED HEREIN ARE AVAILABLE OR APPROPRIATE FOR ENTRY INTO OR USE IN ALL JURISDICTIONS OR BY ALL PARTIES. YOU SHOULD INFORM YOURSELF AS TO THE LEGAL REQUIREMENTS AND TAX CONSEQUENCES OF USING THE OFF-CHAIN STAKING PROGRAM WITHIN ALL JURISDICTIONS APPLICABLE TO YOU. CryptoSmartlife IS NOT RESPONSIBLE FOR TAX CONSEQUENCES TO YOU OF PARTICIPATING IN THE OFF-CHAIN STAKING PROGRAM.

  2. Contributions.


    1. You may contribute Available Assets to the OI-chain Staking Program by selecting the amount and type of Available Assets you wish to “stake” from your CryptoSmartlife Account.


    2. You agree to only contribute Eligible Assets to the OI-chain Staking Program that comprise available and idle account balances that you initially deposited into your CryptoSmartlife Account for the purpose of trading Legal Tender and Digital Assets on the CryptoSmartlife platform and not for participation in the OI-chain Staking Program (such Eligible Assets, “Available Assets”).


    3. Assets you contribute to the OI-chain Staking Program (“Staked Assets”) will be treated as received when displayed as such on the CryptoSmartlife website; provided, that we reserve the right to: (i) reject or remove any contribution from the program; (ii) establish minimum or maximum contribution amounts; or (iii) return any Staked Assets, at any time and in our sole discretion. In the event we elect to return Staked Assets to you pursuant to this Section 2(c) above, you agree to promptly Un-stake (as de1ned herein) the assets and to undertake any other actions we reasonably request in order to facilitate that return. You may not transfer Staked Assets or any interest in Staked Assets prior to Un-staking those assets.


    4. You remain the lawful and bene1cial owner of Staked Assets and the bene1cial owner of additional assets resulting from any applicable (i) network fork that is supported by CryptoSmartlife and (ii) airdrop or similar distribution of Digital Assets that is supported by CryptoSmartlife; provided, that CryptoSmartlife retains sole discretion and has no obligation to support any particular forks, airdrops or similar distribution and such support remains in all instances subject to the Terms.


  3. Rewards.


    1. You may earn rewards on Staked Assets (“Rewards”). Rewards are not guaranteed and the rates and timing of Rewards may vary.

    2. Rewards, if any, will be paid to you by CryptoSmartlife Trading, and shall be subject to tax withholding and reporting as required by applicable law.


    3. Reward rates will be determined in our sole discretion based on the type of Staked Asset, market conditions and risk factors. Such rates have no relationship to and may not be competitive with benchmark interest rates observed in the market for bank deposit accounts.


    4. We may make available anticipated Reward rates and payment schedules from time to time on or through the Services (“Anticipated Rates”). Anticipated Rates are forward-looking statements that reRect current expectations regarding future events, involve signi1cant risks and uncertainties, should not be read as guarantees of future performance or results and will not necessarily be accurate indications of whether or not such performance or results will be achieved. Forward-looking statements are in no way a form of advice, solicitation or oIering of or for the OI-chain Staking Program and should not be interpreted as such.


    5. All Rewards will be (i) paid to your CryptoSmartlife Account in the same asset as the applicable Staked Asset, then (ii) automatically contributed to the OI-chain Staking Program, whereupon they will be eligible to earn Rewards. In this manner, Rewards may be described as “compounding.”


    6. Rewards will be calculated and paid with the decimal precision described at, as may be updated by us from time to time in our sole discretion.


  4. Un-staking.


    1. You may request a complete or partial return of your Staked Assets (“Un-stake”) at any time. Upon receipt of your request, we will initiate the Un-staking process instantly when practicable; provided, that we may require up to seven days after you submit your request to Un-stake to process the transaction. Un-staking limits based on frequency or volume may apply from time to time and will be described on or through the Services.


    2. You must Un-stake Staked Assets before you will be able to push those Funds to an External Account.

  5. Our use of Staked Assets.


    You grant us the right, to the fullest extent that we may eIectively do so under applicable law and without further notice to you, to utilize Staked Assets in our discretion; provided, that the quantity and type of your Staked Assets will be returned to you when you Un-stake in accordance with the terms of this Addendum.


  6. Risks.


    The OI-chain Staking Program is risky. Before participating in the OI-chain Staking Program, it is important to understand its speci1c and unique risks. The Staking Program is not for everyone. You should examine your objectives, 1nancial resources and risk tolerance to determine whether contributing Funds to the OI-chain Staking Program is appropriate for you. Some, but not all, of the risks and uncertainties associated with the OI-chain Staking Program are:


    1. No Crypto Smartlife entity is or is regulated as a bank or other depository institution. Your Crypto Smartlife Account is not a deposit account or a bank account. The OI-chain Staking Program is not a depository or bank program. Staked Assets are not covered by insurance against losses or insurance protections or the protections of any comparable organization anywhere in the world.


    2. Crypto Smartlife does not oIer securities services, is not registered under the securities laws of any jurisdiction and the provision of the OI-chain Staking Program has not been and will not be registered under the securities laws of any jurisdiction or otherwise approved by securities regulators in any jurisdiction.


    3. Legislative and regulatory changes or actions at the state, federal or international level may adversely aIect:

      (i) the use, transfer, and value of Staked Assets; (ii) the operations and pro1tability of the OI-chain Staking Program; (iii) the tax treatment of the OI-chain Staking Program; and (iv) your ability to Un-stake Staked Assets in a timely manner or at all.

    4. Rewards for Staked Assets are not guaranteed and we reserve the right to adjust Reward rates in our sole discretion.


  7. Fees.


    We reserve the right to charge you fees in connection with your participation in the OI-chain Staking Program. A schedule of these fees, if any, will be made available on or through the Services (“Fees”). Fees are subject to change, at our sole discretion, and you are solely responsible for accessing the fee schedule prior to participating in the OI-chain Staking Program.


  8. Representations and Warranties.


    You represent and warrant that, as of the EIective Date and as of any date thereafter that you contribute Funds to the OI-chain Staking Program:


    1. You have full power and authority to agree to this Addendum and, in doing so, will not violate any other agreement to which you are a party;


    2. The provisions of this Addendum constitute legal, valid and binding obligations enforceable against you in accordance with its terms;


    3. You are eligible to participate in the OI-chain Staking Program as provided in Section 1(c);


    4. You do not reside in and are not a citizen of a Restricted Jurisdiction;


    5. You were not, in any manner or form, solicited to participate in the OI-chain Staking Program prior to (i) your creation of a CryptoSmartlife Account or (ii) your election to participate in the OI-chain Staking Program;


    6. All assets you will contribute to the OI-chain Staking Program are Available Assets;

    7. You: (i) have read and understand this Addendum in its entirety; (ii) acknowledge and accept the risks associated with participating in the OI-chain Staking Program, including those risks described above; and (iii) were given the opportunity to ask questions of and receive answers from us concerning the terms and conditions of the OI-chain Staking Program prior to participating or agreeing to participate; and


    8. All representations and warranties you made upon your acceptance of the Terms were and remain true and complete.


  9. No advice; Independent relationship.


  1. Without limiting anything in the Terms, CryptoSmartlife makes no representation or warranty, express or implied, to the full extent not prohibited by applicable law, regarding the advisability of your participation in the OI-chain Staking Program. Neither CryptoSmartlife, nor any of its respective o cers, directors, employees and a liates is providing advice, including legal, 1nancial, investment or tax advice, in connection with the OI-chain Staking Program or your determination to participate in it.


  2. Nothing in this Addendum shall be deemed or is intended to be deemed, nor shall it cause you and CryptoSmartlife to be treated as partners, joint venturers, or otherwise as joint associates for pro1t. CryptoSmartlife in no way acts in any 1duciary capacity or advisory capacity to you and nothing in this Addendum shall be deemed or is intended to be deemed, nor shall it cause, any 1duciary or advisory relationship between you and us to exist.

ADDENDUM: Instant Buy/Sell Services (“Instant Buy/Sell Addendum”)


    1. General. CryptoSmartlife may make Instant Buy/Sell Services to users that meet the eligibility criteria in the Terms of Service. Your use of the Instant Buy/Sell Services, con1rms that you have read, understand, and accept all of the terms in this Instant Buy/Sell Addendum. This Instant Buy/Sell Addendum is subject to the terms and conditions, as they may be updated from time to time, set forth in the Terms of Service.


    2. Instant Buy/Sell Services. You may use the Instant Buy/Sell Services to buy, sell Digital Assets. Your use of the Instant Buy/Sell Services must comply with the relevant instructions on the CryptoSmartlife platform. If CryptoSmartlife cannot complete your transaction for any reason (such as price movement, failure of the CryptoSmartlife Exchange to respond, or an order exceeding the minimum or maximum order size), CryptoSmartlife may reject the order and notify you of such rejection. CryptoSmartlife bears no liability for rejecting an Instant Buy/Sell transaction.


    3. Transaction Price. You will be presented with a price valid only during a speci1c time period when initiating a transaction. CryptoSmartlife may cancel any transaction not con1rmed by you within the time period.


    4. Fees. Transactions using the Instant Buy/Sell Services are subject to fees. You are presented with the applicable fees before entering into the transaction. Your con1rmation of the transaction constitutes agreement to pay all such applicable fees. You will not be charged any such fees in the unlikely event your transaction is rejected.


    5. No Guarantee of Instant Buy/Sell Services. While CryptoSmartlife employs measures to ensure that the Instant Buy/Sell Services are accessible 24 hours a day and 7 days a week, CryptoSmartlife cannot guarantee uninterrupted or error-free operation of the Instant Buy/Sell Services or that CryptoSmartlife will correct all defects or prevent third-party disruptions or unauthorized third party access. CryptoSmartlife may at its sole

discretion reject any pending transaction, whether con1rmed by the user or not, in the event of such disruptions. CryptoSmartlife bears no liability for rejecting an Instant Buy/Sell transaction.

ADDENDUM: Funding Methods


    1. "Verified External Account" means any account other than your CryptoSmartlife Account(s) of which you are the bene1cial owner. This includes, but is not limited to, payment service accounts,deposit or checking accounts maintained by 1nancial institutions, or Digital Asset Accounts, of which you are the owner. Veri1ed External Accounts may be used to make deposits into your CryptoSmartlife Account, or to withdraw Funds from your CryptoSmartlife Account. Periodically, we may require you to verify that your account complies with any and all Crypto Smartlife AML/KYC requirements.


    2. General. CryptoSmartlife may permit you to fund your CryptoSmartlife Account using other Digital Assets. Your funding of your CryptoSmartlife Account con1rms that you have read, understand, and accept all of the terms in this Addendum. This Addendum is subject to the terms and conditions, as they may be updated from time to time, set forth in the Terms of Service.


1.2 Funding Method. You may fund your CryptoSmartlife Account from a Veri1ed External Account. Your use of the funding method must comply with any instructions presented to you on the CryptoSmartlife platform. Your linked account will be debited when you initiate payment. Your CryptoSmartlife Account may not, however, reRect credit immediately after you initiate payment.


Transfers may be delayed. A contracted third party processor or CryptoSmartlife may reject the transfer. CryptoSmartlife is not liable for any delayed or rejected transfer. Funding by Digital Asset is subject to all terms and conditions set forth by your 1nancial institution or holding Wallet issuer, and you may incur fees that are charged by your 1nancial institution or holding Wallet issuer in conjunction with such funding.

As per the 194S in the Income-Tax Act, 1961, 1% TDS will deducted on any crypto sell transactions.