1. Disclaimers and Limitations of Liability

Krown Technologies Inc. ("Krown Technologies"), the issuer of KROWN Coin, together with its subsidiaries (including Krown Network), affiliates, licensors, and their respective employees, agents, and contractors (collectively, "Krown Parties"), provides KROWN Coin and related services on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, the Krown Parties:

• Make no express warranties and disclaim all implied warranties, including but not limited to merchantability, fitness for a particular purpose, non-infringement, accuracy, or reliability, regarding KROWN Coin, associated smart contracts, blockchain technology, or third-party services (e.g., digital wallets or marketplaces).
• Are not responsible for losses arising from user error (e.g., forgotten passwords, incorrect transactions), unauthorized access (e.g., hacking, phishing), server failures, data loss, or issues with blockchain networks or digital wallets.

Key Risks You Acknowledge:

• Experimental Nature: Blockchain and smart contract technologies are evolving and experimental, with potential vulnerabilities or bugs that could affect functionality.
• Security: Online transactions carry inherent risks, including loss of funds due to hacks, theft, or compromised wallets.
• Irreversible Transactions: KROWN Coin exists solely on the blockchain; transactions are immutable, and losses (e.g., sending tokens to the wrong address) cannot be reversed.
• Volatility: Cryptocurrency values can fluctuate significantly, and you may lose all or part of your investment.

The Krown Parties shall not be liable for any indirect, incidental, special, consequential, or exemplary damages—such as loss of profits, goodwill, data, or business opportunities—arising from your use of KROWN Coin, even if advised of such possibilities. The total aggregate liability of the Krown Parties is capped at the amount you paid to Krown Technologies, if any, in the 12 months prior to your claim. Note that some jurisdictions may not allow the exclusion of certain damages (e.g., for personal injury), and these limitations will apply only to the extent permitted by law.

2. Governing Law and Jurisdiction

All matters related to KROWN Coin are governed by and construed under the laws of Malta. By using KROWN Coin, you agree that any legal actions or proceedings will be subject to the exclusive jurisdiction of Maltese courts and waive any objections to this venue or jurisdiction.

3. Arbitration

You and Krown Technologies agree to resolve any disputes related to KROWN Coin exclusively through individual arbitration, conducted under the Centre for Effective Dispute Resolution (CEDR) Model Mediation Procedures with a CEDR-nominated mediator. By accepting these terms, you waive your right to pursue claims in a court of law.

4. No Class Action

Disputes or claims must be pursued on an individual basis only. You and Krown Technologies agree that no class, collective, or representative actions are permitted.

5. Restricted Jurisdictions

The purchase, sale, or use of KROWN Coin is prohibited for individuals or entities in certain jurisdictions, including but not limited to:

• United States and its territories
• Canada
• North Korea
• Cuba
• Syria
• Iran
• Sudan
• Crimea region of Ukraine
• People’s Republic of China

It is your responsibility to ensure that using KROWN Coin complies with your local laws. Krown Technologies reserves the right to restrict access from additional jurisdictions as regulatory requirements evolve.

6. Risks of Using KROWN Coin

Cryptocurrency and blockchain technology involve significant risks, including:

• Price Volatility: The value of KROWN Coin may rise or fall sharply, potentially resulting in total loss.
• Regulatory Changes: Evolving laws may impact the legality or functionality of KROWN Coin in your jurisdiction.
• Technical Risks: Bugs in smart contracts, blockchain failures, or third-party platform issues (e.g., decentralized exchanges) could lead to losses.
• Loss of Access: Forgetting private keys or wallet credentials may render your KROWN Coin inaccessible without recourse.

By using KROWN Coin, you accept these risks and agree to conduct your own due diligence.

7. Data Privacy

Krown Technologies collects and processes personal information in accordance with its Privacy Policy [insert link]. Due to the decentralized nature of blockchain, some data (e.g., transaction records) may be publicly visible. The Krown Parties are not liable for privacy breaches resulting from blockchain transparency or third-party actions.

8. Intellectual Property

All trademarks, logos, and intellectual property related to KROWN Coin and its ecosystem are owned by Krown Technologies. Unauthorized use is prohibited without prior written consent.

9. Tax Obligations

You are solely responsible for any tax liabilities arising from your use of KROWN Coin. Cryptocurrency taxation varies by jurisdiction and can be complex. Krown Technologies does not provide tax advice; consult a qualified tax professional to understand your obligations.

10. Whitepaper Disclaimer

The KROWN Coin whitepaper is for informational purposes only and does not constitute:

• A financial prospectus
• An offer of securities or financial instruments
• Participation in a collective investment scheme

KROWN Coin is not electronic money, an asset-backed token, a transferable security, a commodity, or any regulated financial instrument under applicable laws. You should not rely on the whitepaper as legal, financial, or tax advice; seek professional guidance before engaging with KROWN Coin.

11. User Responsibility

By using KROWN Coin, you acknowledge that:

• You have evaluated the risks and merits independently.
• You assume full responsibility for securing your digital wallets and private keys.
• You will comply with all applicable laws and regulations in your jurisdiction.