📝Terms of Use

Last modified: 16 March 2026

0. Introduction

About TWIFT

TWIFT is a blockchain-based decentralized application developed and operated by H Lab Limited (“H Lab,” “we,” “us,” or “our”), a private company incorporated in the Abu Dhabi Global Market (ADGM) under the laws of the United Arab Emirates. H Lab operates the TWIFT interface as a non-custodial technology service enabling users to interact directly with public blockchain networks through their self-custodied wallets. While incorporated within ADGM, H Lab is not licensed or authorised by the Financial Services Regulatory Authority (FSRA) to conduct any regulated financial or investment activity.

All services provided through TWIFT are technology-based and non-custodial, and do not constitute financial, brokerage, or payment services under ADGM regulations.

H Lab provides users with a decentralized interface that enables two primary on-chain functions:

• Multisend, which allows users to execute bulk token transfers to multiple recipients in a single transaction; and

• Twist Send, which provides privacy-enhanced token transfers that reduce immediate visibility between sender and recipient addresses while keeping all records permanently on-chain.

TWIFT operates as a non-custodial protocol interface. H Lab does not hold, store, or control user assets or private keys. All actions are executed directly by users through their self-custodied wallets interacting with smart contracts deployed on public blockchain networks.

The registered office of H Lab Limited is located at: Office 251, Floor 2, Wafra Square, Najmat Abu Dhabi, Al Reem Island, Abu Dhabi, United Arab Emirates.

These Terms of Use (the “Terms”) set out the terms and conditions governing access to and use of the TWIFT decentralized application, its website, and related user interfaces (collectively, the “Platform”). By connecting a wallet, accessing, or using TWIFT, each user (“User,” “you,” or “your”) agrees to be bound by these Terms and the accompanying Privacy Policy.

1. Acceptance of These Terms

These Terms of Use (the “Terms”) form a legally binding agreement between you (“User,” “you,” or “your”) and H Lab Limited (“H Lab,” “we,” “us,” or “our”). By accessing, connecting a wallet to, or otherwise using the TWIFT decentralized application, website, or related user interface (collectively, the “Platform”), you acknowledge that you have read, understood, and agreed to all of the terms contained in these Terms as well as the Privacy Policy. If you do not agree with any part of these Terms, you must immediately discontinue use of the Platform and its Services.

1.1 Definitions

For the purposes of these Terms:

• “Digital Assets” means Ethereum (ETH) or any other blockchain-based cryptocurrency, token, or asset supported by the Platform.

• “Services” means the decentralized transaction features provided through TWIFT, including but not limited to Multisend and Twist Send, together with any related user interface, contract interactions, or technical functions made available by H Lab.

• “Wallet” means a blockchain address or software interface controlled by the User through private cryptographic keys, enabling the sending and receipt of Digital Assets.

• “Smart Contract” means any self-executing code deployed on a public blockchain that automates transactions or records information without human intervention

• “Platform” means the TWIFT decentralized application, website, or any associated interfaces operated by H Lab that facilitate interaction with the Smart Contracts.

1.2 Acceptance of Terms

By accessing or using the Services in any capacity, you expressly agree to be bound by these Terms. You acknowledge that H Lab may modify or update these Terms at its discretion by posting the revised version on the Platform with an updated Last Modified date. Unless stated otherwise, modifications take effect immediately upon publication.

Your continued use of the Services constitutes acceptance of the revised Terms. If you do not agree with the updated version, you must stop using the Services.

1.3 Nature of Services

H Lab provides access to decentralized smart-contract-based utilities but does not act as a broker, exchange, financial advisor, or custodian. All transactions are executed directly on-chain through your connected Wallet, and you retain full control of your private keys and Digital Assets at all times. H Lab cannot recover, reverse, or modify any transaction once it is broadcast to a blockchain network. The Services are software tools only and do not involve H Lab receiving, transmitting, safeguarding, controlling, or intermediating Digital Assets or fiat funds on behalf of users.

1.4 No Offer or Solicitation:

The Platform provides software functionality only. Nothing on the Platform constitutes an offer, invitation, or solicitation to buy or sell any asset or to engage in any investment activity in any jurisdiction.

2. Access and Eligibility

2.1 Access to Services

You may access and use the Services by connecting a compatible blockchain wallet through the TWIFT interface. No separate registration, username, or password is required. All interactions with the Services occur directly between your wallet and the relevant blockchain networks. H Lab provides only the Platform and supporting smart contracts that enable such interactions. You are responsible for maintaining your wallet software, device security, and any browser extensions used to connect to the Services.

2.2 Eligibility Requirements

By using the Services, you represent and warrant that:

1. You are at least eighteen (18) years of age or of legal age to form a binding contract under applicable law, whichever is higher.

2. You have full legal capacity and authority to enter into these Terms.

3. You are not located in, incorporated in, or otherwise subject to the jurisdiction of any country or territory that is the subject of comprehensive sanctions or where the use of decentralized applications is prohibited by law.

4. You are not listed on any sanctions or restricted-party list administered by the United Nations, the U.S. OFAC, the U.K. HM Treasury, the European Union, or any other relevant authority.

5. Your use of the Services complies with all applicable laws and regulations, including anti-money-laundering (“AML”) and counter-terrorist-financing (“CFT”) obligations.

2.3 Restricted Access

H Lab may, at its discretion or as required by applicable law or regulation, restrict or suspend access to the Platform in certain jurisdictions or for certain users. Such restriction does not create any liability for H Lab, and you agree not to circumvent or attempt to bypass any regional or technical limitation placed on the Services.

2.4 Wallet Connection and Control

When you connect a wallet to the Platform, you authorize the Platform to read publicly available blockchain data associated with that wallet address and to generate transaction requests that you must explicitly approve through your own wallet interface. H Lab cannot and will not access, store, or recover your private keys, seed phrases, or any Digital Assets.

You are solely responsible for safeguarding your wallet credentials and device security. If you lose access to your private keys or recovery phrase, you will permanently lose control of the associated Digital Assets. H Lab has no ability to retrieve, replace, or refund any assets in such cases. You further acknowledge and agree that any losses arising from (a) misuse or compromise of your wallet, (b) connection to an incorrect, fraudulent, or imitation website, (c) malware or phishing attacks, or (d) your failure to verify the authenticity of the Platform’s domain or smart-contract address are solely your responsibility. Under no circumstances shall H Lab be liable for any loss, damage, or unauthorized transaction resulting from such events.

3. User Responsibilities

3.1 General Conduct

You agree to use the Services only for lawful purposes and in accordance with these Terms. You are fully responsible for all activity conducted through your connected wallet and for any Digital Assets you send or receive using the Platform. By using the Services, you confirm that you understand how blockchain transactions work and that once confirmed on-chain, they are irreversible.

3.2 Prohibited Activities

You agree not to engage in any of the following activities while using the Platform or interacting with its smart contracts:

1. Illegal or fraudulent conduct including money laundering, terrorism financing, hacking, extortion, market manipulation, or any activity that violates applicable laws.

2. Interference or disruption of the Platform, blockchain networks, or any connected systems through denial-of-service attacks, excessive network calls, or code exploits.

3. Reverse engineering, copying, or modifying any part of the Platform’s source code, user interface, or smart contracts.

4. Using the Platform to harm others, including sending malicious code, spam transactions, or phishing links.

5. Attempting to bypass geographical restrictions, technical security measures, or contract logic imposed by H Lab.

6. Engaging in automated scraping or extraction of Platform data through bots or unauthorized crawlers.

7. Using the Services for commercial resale or providing access to others as a paid intermediary without H Lab’s prior written consent.

Violation of any of the above may result in suspension or restriction of access to the Platform and may be reported to competent authorities where required by law.

3.3 Verification and Accuracy

Before executing any transaction, you must carefully review and confirm all details including network selection, token type, recipient address, and transaction amount. Once broadcast to a blockchain network, the transaction cannot be reversed or cancelled. You bear sole responsibility for ensuring the accuracy of all information you provide or input through the Platform.

3.4 Compliance with Law

You agree to comply with all applicable laws, regulations, and regulatory guidance, including anti-money-laundering (AML) and counter-terrorist-financing (CFT) requirements in your jurisdiction. You understand that transactions executed through TWIFT are recorded on public blockchains and may be visible to third parties and regulators.

3.5 Security Obligations

You are responsible for implementing reasonable security measures to protect your devices, wallets, and network connections. H Lab recommends verifying the official TWIFT website domain (https://twift.xyz/), checking contract addresses before use, and avoiding any links or interfaces not published through official communication channels. H Lab will not be liable for any loss or damage resulting from your failure to follow proper security practices. You must verify that you are interacting with the official domain and with the official smart contract addresses published by H Lab. H Lab is not responsible for losses from phishing sites, spoofed interfaces, or fake contracts.

3.6 Taxes

You are solely responsible for all taxes associated with your transactions and use of Digital Assets. H Lab does not calculate, withhold, report, or remit taxes on your behalf.

4. Licensing and Intellectual Property

4.1 Limited Licence

Subject to your continuous compliance with these Terms, H Lab grants you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable licence to access and use the TWIFT Platform solely for personal or internal purposes. This licence is intended only to allow you to interact with the Platform and its underlying smart contracts in accordance with their intended use. Any other use, including commercial exploitation, resale, or redistribution, is strictly prohibited unless explicitly approved in writing by H Lab.

4.2 Ownership and Intellectual Property Rights

All intellectual property rights related to the Platform and the Services, including but not limited to the design, layout, graphics, software code, smart contracts, trademarks, trade names, text, and user interface, are owned or lawfully licensed by H Lab. Your use of the Platform does not grant you any ownership rights or other interest in the intellectual property of H Lab or its licensors. You agree not to copy, modify, reproduce, distribute, frame, republish, scrape, or create derivative works based on any content or code from the Platform, whether in whole or in part.

4.3 Feedback

You may voluntarily submit suggestions, ideas, or feedback regarding the Platform or its Services (“Feedback”). By providing such Feedback, you acknowledge that H Lab may use it without obligation, compensation, or attribution, and you transfer all rights, ownership, and interests in that Feedback to H Lab. H Lab may freely use, modify, or incorporate such Feedback to improve its Services.

4.4 Termination of Licence

The licence granted under this section automatically terminates if you breach any provision of these Terms or if H Lab suspends or discontinues your access to the Platform. Upon termination, you must immediately cease all access to and use of the Platform and destroy any materials you may have obtained related to the Services.

4.5 Open Source Components

The Services may include open source or third-party software subject to separate licences. To the extent of any conflict, those licences govern your use of such components.

5. TWIFT Services

5.1 Overview

TWIFT provides decentralized transaction tools designed to improve user efficiency and privacy when interacting with blockchain networks. The Platform enables two primary functions:

1. Multisend: Allows users to transfer tokens to multiple addresses within a single on-chain transaction, reducing network cost and simplifying distribution.

2. Twist Send: Enables privacy-enhanced transfers that obscure the immediate linkage between sender and recipient addresses while ensuring all records remain permanently verifiable on public blockchains.

All transactions occur directly between users and blockchain networks through smart contracts. H Lab operates the Platform interface and may provide limited technical infrastructure to facilitate or monitor transaction status, but H Lab does not control, custody, or intermediate user assets. Security note. Verify all recipient addresses carefully. Transactions are irreversible. Centralised providers, including exchanges, may change deposit address formats or require memos or tags. Misrouted assets may be permanently lost.

5.2 Operational Model

The TWIFT Services primarily operate through smart contracts deployed on supported blockchain networks. Users interact with these contracts by approving transactions from their own wallets. At no time does H Lab have access to private keys, nor can it reverse, cancel, or alter any executed transaction. To support reliability, efficiency, or error recovery, H Lab may operate off-chain systems (“Backend Support”) to assist in the following functions:

1. Transaction Relay or Session Handling – Queuing, caching, or coordinating transaction broadcasts between wallet and network.

2. Temporary Metadata Storage – Maintaining non-sensitive session data such as network ID, gas estimate, or refund flag that is automatically deleted once no longer required.

3. Refund Automation Trigger – Initiating a public smart contract call to return funds if predefined on-chain error conditions are detected.

4. Aggregated Analytics – Collecting anonymized and aggregated usage statistics solely for performance optimization and regulatory reporting consistency.

These functions are purely technical and non-custodial. They do not provide H Lab with any discretionary power over Digital Assets.

5.3 User Control

Users maintain full and exclusive control over their assets at all times. All transactions must be signed and confirmed directly from the user’s connected wallet. H Lab cannot approve, modify, or broadcast a transaction without explicit on-chain authorization from the user. The Platform interface merely provides the transaction data to be verified and approved by the wallet.

5.4 Privacy and Data Handling

H Lab may temporarily process limited technical information such as transaction hashes, network types, or error logs to maintain service stability. No personal data, wallet keys, or seed phrases are ever collected or stored. Any operational data that is temporarily recorded is automatically deleted after the transaction or session completes. Aggregated analytics data is anonymized and used only to enhance product performance and security.

5.5 Traceability and Transparency

All transactions facilitated through TWIFT remain permanently visible on the blockchain. While Twist Send reduces immediate visibility between sender and recipient addresses, each transfer is recorded on-chain and can be verified through contract-level data. H Lab does not perform active tracing or transaction analysis, but all data remains publicly auditable using blockchain explorers or compliance tools.

5.6 Compliance Statement

H Lab maintains operational and technical safeguards to ensure that no Backend Support activity constitutes custody, control, or discretionary management of user funds under ADGM regulations. All processing is transparent, verifiable, and compliant with applicable laws. Users retain full ownership and authority over their assets at all times.

5.7 Security Disclosure

If you believe you have discovered a vulnerability, you agree to notify H Lab at [e-mail] and to refrain from public disclosure for a reasonable period to allow remediation. Coordinated disclosure does not create any obligation to reward or compensate you.

6. Fees

6.1 Service Fees

Certain transactions executed through the TWIFT Platform may incur a service fee charged by H Lab. All applicable fees will be clearly displayed on the user interface before you confirm a transaction. By approving a transaction through your connected wallet, you agree to pay the indicated service fee.

Service fees are automatically processed on-chain and deducted from the transaction value or paid as a separate transaction, depending on the network configuration. Fees are non-refundable once the transaction is broadcast to the blockchain, even if the transaction later fails or is reverted by the network.

6.2 Network Gas Fees

Each transaction on the blockchain requires the payment of a network gas fee to the miners or validators of that network. Gas fees are determined entirely by blockchain network conditions and are not set, received, or controlled by H Lab. You are responsible for ensuring that your wallet contains sufficient balance to cover the required gas fee. H Lab does not profit from or retain any portion of these network gas fees.

6.3 Notice of Fee Changes

H Lab reserves the right to modify service fees or introduce new fees at its discretion. If fee structures are updated, such changes will be posted on the Platform or reflected in the transaction preview interface. Your continued use of the Services after such notice constitutes your acceptance of the revised fee structure.

6.4 No Hidden Charges

H Lab does not impose hidden fees, withdrawal fees, or subscription charges. All fees associated with your transactions are transparently displayed prior to execution and are processed directly on-chain.

7. Disclaimer of Warranties

7.1 General Disclaimer

To the maximum extent permitted by applicable law, the TWIFT Platform and all Services, features, and information provided through it are made available “as is” and “as available.” H Lab makes no representations or warranties, express or implied, regarding the reliability, accuracy, functionality, or suitability of the Platform for any particular purpose. Your use of the Platform and interaction with blockchain networks are entirely at your own risk. You understand that blockchain technology, by its nature, carries inherent risks such as smart contract vulnerabilities, network congestion, token volatility, or transaction failure.

7.2 No Guarantee of Performance

H Lab does not guarantee that:

1. The Services will be uninterrupted, timely, or error-free.

2. Any transaction will be successfully executed, recorded, or confirmed by the blockchain.

3. The Platform will be free from viruses, malicious code, or security vulnerabilities.

4. The privacy-enhancing features of Twist Send will fully conceal sender or recipient identity beyond the technical design of its smart contracts.

The obfuscation achieved by Twist Send is limited to removing immediate address visibility and does not provide full anonymity. All transactions remain traceable and auditable on-chain.

7.3 No Legal, Financial, or Investment Advice

H Lab provides a technical interface to interact with decentralized smart contracts. Nothing on the Platform or in the Services constitutes financial, legal, tax, or investment advice. You are solely responsible for evaluating the risks of any transaction or interaction with Digital Assets.

7.4 Third-Party Systems

The Platform may rely on external systems such as wallet connectors, RPC nodes, blockchain networks, or analytics providers. H Lab does not warrant the accuracy, integrity, or availability of any third-party service and disclaims responsibility for any failure or loss arising from their use.

7.5 Network and Security Risks

You acknowledge that:

• Blockchain networks may experience congestion, forks, failures, or attacks.

• Smart contracts may contain undetected vulnerabilities.

• Your connection to the Platform may be disrupted by network or device issues beyond H Lab’s control.

• Unauthorized third parties may attempt to impersonate TWIFT or interfere with transactions.

H Lab disclaims all liability for any losses resulting from such conditions.

7.6 No Guarantee of Refunds or Reversals

All transactions executed through TWIFT are final once confirmed on-chain. H Lab cannot reverse, modify, or refund any transaction, including those resulting from user error, incorrect addresses, or malicious activity.

8. Limitation of Liability

8.1 Scope of Limitation

To the maximum extent permitted under applicable law, in no event shall H Lab Limited, its affiliates, directors, officers, employees, contractors, or agents be liable for any indirect, incidental, special, punitive, exemplary, or consequential losses or damages. This includes, without limitation, loss of profits, loss of data, loss of goodwill, loss of opportunity, business interruption, or any other financial or commercial harm arising out of or in connection with your access to or use of the Platform or Services.

8.2 Specific Exclusions

Without limiting the generality of the foregoing, H Lab shall not be liable for any loss or damage arising from:

1. User error, including sending tokens to the wrong address or selecting an incorrect network.

2. The loss or compromise of private keys, seed phrases, or device access credentials.

3. Blockchain failures, forks, congestion, or network-level malfunctions.

4. Smart contract bugs, defects, vulnerabilities, or exploits, including but not limited to flaws in H Lab’s contracts, third-party contracts, or underlying protocol code that result in theft, loss, or misallocation of Digital Assets.

5. Malicious attacks, hacks, security breaches, ransomware, or other cyber security incidents that result in loss, theft, unauthorized access, or corruption of Digital Assets or data.

6. Gas fee fluctuations or failed transactions due to insufficient balance or network delay.

7. Unauthorized access, phishing, or imitation websites impersonating TWIFT.

8. Interruptions or suspension of the Services resulting from maintenance, regulatory action, or force majeure events.

9. Any third-party API, relay service, or external system failure, including delayed or incorrect blockchain data transmission.

10. Any exploit, bug, or vulnerability discovered after deployment of the TWIFT smart contracts, regardless of whether such defect originated from H Lab or third-party code.

All blockchain transactions are irreversible once confirmed, and you acknowledge that H Lab has no technical ability to recover, modify, or reverse them.

8.3 No Duty to Monitor or Respond

H Lab has no duty to monitor blockchain activity or to respond to any hacks, exploits, or unauthorized transactions affecting user assets. H Lab may, at its sole discretion, take reasonable actions to mitigate technical risks or publish security notices, but such actions do not create any obligation or liability to you or any third party.

8.4 Maximum Aggregate Liability

Notwithstanding any other provision of these Terms, the total cumulative liability of H Lab and its affiliates for any claims, damages, or losses arising from or related to these Terms, whether in contract, tort, or otherwise, shall not exceed one hundred United States dollars (USD 100). If no service fees have been paid by the User, H Lab’s aggregate liability shall be zero. This limitation applies collectively to H Lab and its affiliates and shall not be increased by the existence of multiple claims, proceedings, or parties.

8.5 Regulatory and Jurisdictional Limits

Nothing in these Terms shall exclude or limit any liability to the extent that such exclusion or limitation is prohibited under the applicable laws of the Abu Dhabi Global Market (ADGM) or any mandatory direction of a competent ADGM authority. In all other cases, the exclusions and limitations set forth herein apply to the fullest extent permitted by law.

Some jurisdictions do not allow the exclusion or limitation of liability for certain types of damages. In such cases, the above exclusions and limitations apply only to the fullest extent permitted by law. Nothing in these Terms excludes liability for gross negligence, fraud, or willful misconduct by H Lab where such exclusion is prohibited by applicable law.

For clarification, H Lab Limited is incorporated in the Abu Dhabi Global Market but is not authorised or regulated by the Financial Services Regulatory Authority (FSRA). All activities provided through the TWIFT Platform are technology services and do not constitute regulated financial activities under ADGM law.

9. Indemnification

9.1 User Obligation to Indemnify

You agree to indemnify, defend, and hold harmless H Lab Limited, its affiliates, directors, officers, employees, contractors, and agents from and against any and all claims, demands, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees and regulatory penalties, arising out of or related to:

1. Your access to or use of the Platform or Services;

2. Your breach or alleged breach of these Terms or any applicable law;

3. Your violation of the rights of any third party, including intellectual property, privacy, or data protection rights;

4. Your misuse of any blockchain network, smart contract, or digital asset facilitated through the Platform;

5. Any act, omission, negligence, or willful misconduct by you that results in loss or damage to another user, third party, or H Lab.

9.2 H Lab’s Right to Control Defense

In the event of any claim subject to indemnification under this section, H Lab reserves the right, at its sole discretion, to assume exclusive control over the defense and settlement of such claim. You agree to cooperate fully with H Lab in defending any such claim and to provide all relevant information or assistance as reasonably requested. You may not settle or compromise any claim that results in liability or obligation on H Lab without H Lab’s prior written consent.

9.3 Continuing Obligation

Your indemnification obligations under this section shall survive the termination or expiration of these Terms and continue to apply to any claims or proceedings arising from your prior use of the Services.

10. Third-Party Integrations

10.1 Use of External Services

The Platform may include, link to, or depend on third-party software, APIs, or services such as wallet connection libraries, blockchain network providers, data feeds, and analytics tools. These third-party systems are not operated or controlled by H Lab, and H Lab makes no representation or warranty regarding their performance, security, accuracy, or availability.

10.2 User Responsibility

Your interaction with any third-party service is entirely at your own risk. You are responsible for reviewing and understanding the applicable terms, privacy policies, and security measures of any third-party provider you choose to use. H Lab is not responsible for any disclosure of data, loss of funds, or service interruption resulting from the actions or omissions of such third parties.

10.3 No Endorsement or Affiliation

References or links to third-party products or services do not constitute an endorsement, partnership, or affiliation between H Lab and those entities. Any use of names, logos, or branding of third-party providers on the Platform is for descriptive purposes only and does not imply sponsorship or approval.

10.4 Third-Party Failures and Delays

H Lab shall not be liable for any loss, delay, or malfunction caused by:

• Failures of third-party systems or network infrastructure;

• Incorrect or delayed data feeds from external APIs or RPC nodes;

• Wallet-connector downtime, chain re-orgs, or third-party maintenance; or

• Any act or omission of such third-party providers beyond H Lab’s reasonable control.

Your sole remedy for any issue arising from a third-party integration is to cease using the affected service.

10.5 User Grant of Permission to Third Parties

If you explicitly grant a third-party application permission to access or interact with your wallet or TWIFT activity, you acknowledge that such authorization is entirely at your own discretion. Granting permission to a third party does not transfer any liability to H Lab, and you agree to indemnify and hold H Lab harmless from any losses arising from that authorization.

11. Force Majeure

11.1 Definition

H Lab shall not be liable or deemed to be in breach of these Terms for any delay, failure, or interruption in performing its obligations that results directly or indirectly from circumstances beyond its reasonable control (“Force Majeure Events”). Force Majeure Events include, but are not limited to:

• Acts of God such as earthquakes, floods, storms, fires, or other natural disasters;

• War, terrorism, armed conflict, embargoes, or civil unrest;

• Acts of government, regulatory restrictions, or orders of court or competent authority;

• Labor disputes, strikes, or shortages of materials or power;

• Failures or interruptions of telecommunication, Internet, or hosting services;

• Blockchain-specific disruptions, including network congestion, chain forks, validator downtime, node attacks, or critical protocol vulnerabilities;

• Cyber incidents, including denial-of-service attacks, smart-contract exploits, or other malicious activities beyond H Lab’s control;

• Failures of third-party systems such as RPC providers, wallet connectors, or data feeds essential to Platform operation.

11.2 Suspension of Services

In the event of a Force Majeure Event, H Lab may temporarily suspend, delay, or disable part or all of the Services without prior notice. Such suspension shall not constitute a breach of these Terms, and H Lab will resume operations as soon as reasonably practicable once the Force Majeure Event is resolved.

11.3 No Liability for Resulting Losses

H Lab shall not be responsible or liable for any loss, damage, delay, or failure in performance arising directly or indirectly from a Force Majeure Event, including loss of access to the Platform, failed transactions, or inability to retrieve transaction history or analytics data.

11.4 Notification and Mitigation

If practicable, H Lab will post a public notice through its official channels to inform users of a Force Majeure Event. H Lab will take commercially reasonable measures to mitigate the effects of such an event, but such measures shall not imply or create any legal obligation or liability to users.

12. Amendments

12.1 Right to Modify

H Lab reserves the right, at its sole discretion, to amend, update, or replace any portion of these Terms at any time. Amendments may reflect changes in applicable laws, regulatory guidance, product functionality, or internal policies. Unless stated otherwise, such amendments shall become effective immediately upon being published on the Platform or official documentation site.

12.2 Notice of Changes

If material changes are made to these Terms, H Lab will provide notice through one or more of the following methods:

• Posting an updated version of these Terms with a revised “Last Modified” date at the top;

• Displaying a notice or pop-up within the Platform interface; or

• Publishing an announcement through official communication channels, including the TWIFT website or verified social media accounts.

H Lab is not required to provide individual notice to each user, and it remains the responsibility of the user to review these Terms periodically for updates.

12.3 Acceptance of Amendments

By continuing to access or use the Platform or Services after the effective date of any amendment, you acknowledge and agree to be bound by the revised terms. If you do not agree with the updated Terms, your sole and exclusive remedy is to discontinue use of the Services and disconnect your wallet from the Platform.

12.4 Non-Waiver of Rights

Failure by H Lab to enforce any provision of these Terms or to require your compliance at any time shall not be construed as a waiver of H Lab’s rights to enforce that provision or any other provision in the future.

13. Governing Law and Jurisdiction

13.1 Governing Law

These Terms, and any dispute or claim arising out of or in connection with them or their subject matter, formation, or performance, shall be governed by and construed in accordance with the laws of the Abu Dhabi Global Market (ADGM), without regard to conflict-of-laws principles.

13.2 Exclusive Jurisdiction

You agree that the courts of the Abu Dhabi Global Market shall have exclusive jurisdiction to hear and determine any dispute, claim, or proceeding arising from or relating to these Terms, the use of the Platform, or the Services. You further agree that you will not object to such jurisdiction on the grounds of forum non conveniens or any similar argument.

13.3 Compliance with ADGM Laws

H Lab operates as a private company incorporated under the laws of the Abu Dhabi Global Market (ADGM). Nothing in these Terms implies or represents that H Lab is authorised or regulated by the Financial Services Regulatory Authority (FSRA). H Lab complies with all applicable laws, directives, and requirements issued by the ADGM Registration Authority and other competent ADGM bodies governing registered entities. Where legally required, H Lab will cooperate with ADGM authorities or other lawful bodies to the minimum extent necessary to satisfy its legal obligations.

13.4 Language of Proceedings

These Terms are drafted in the English language. In the event of any translation of these Terms, the English version shall prevail and be binding for purposes of interpretation and enforcement in the ADGM courts.

14. Privacy

14.1 Data-Minimal Design

TWIFT is designed to operate on a non-custodial and privacy-preserving basis. H Lab does not require account registration, identity verification, or personal information to access or use the Platform. All interactions occur directly through your connected wallet and the relevant blockchain networks.

14.2 Information Collected

H Lab does not collect or store personally identifiable information such as names, addresses, emails, wallet seed phrases, or private keys. Limited technical data may be processed automatically, including:

• Public blockchain addresses and transaction hashes;

• Network identifiers, device type, and browser information;

• Aggregated analytics such as feature usage or performance metrics.

This information is used only to maintain, secure, and improve the Services and is not used to identify individual users.

14.3 Temporary and Aggregated Data

Any operational data temporarily stored for caching, session handling, or error logs is automatically deleted once it is no longer required for the transaction or system stability. Aggregated analytics are anonymized and retained solely for performance optimization, security monitoring, or compliance reporting.

14.4 No Sale or Sharing of Personal Data

H Lab does not sell, lease, or otherwise share any user data with third parties for marketing or commercial purposes. Access to internal operational data is restricted to authorized personnel and service providers bound by confidentiality obligations.

14.5 Third-Party Services

When using wallet connectors, RPC providers, or other third-party integrations, you acknowledge that those services may collect data in accordance with their own privacy policies. H Lab has no control over such third-party data handling and is not responsible for their privacy or security practices.

14.6 Compliance with ADGM Data Protection Regulations

H Lab complies with the ADGM Data Protection Regulations 2021 and implements appropriate technical and organizational measures to safeguard data processed through or on behalf of the Platform. If required by applicable law or regulatory directive, H Lab may disclose limited information to competent authorities, but only to the minimum extent necessary to comply with legal obligations.

14.7 User Control

You may disconnect your wallet or stop using the Platform at any time. Disconnecting your wallet immediately ends H Lab’s technical access to any on-chain interactions. On-chain data related to your transactions will remain permanently visible on the blockchain, outside H Lab’s control.

14.8 Regulatory and Law Enforcement Requests

H Lab may respond to lawful requests from competent authorities and may provide publicly available on-chain information or internal operational logs to the minimum extent required by law. H Lab has no ongoing obligation to monitor user activity.

14.9 Contact for Privacy Matters

For any questions or concerns regarding privacy or data handling, you may contact [e-mail]. H Lab will respond within a reasonable period and in accordance with ADGM data-protection requirements.

15. Digital Asset Disclaimer

15.1 Nature of Digital Assets

Digital assets transacted through the TWIFT Platform, including but not limited to cryptocurrencies and tokens, are not legal tender, not backed by any government, and not guaranteed in value. Their price and liquidity may fluctuate significantly due to market volatility, technological changes, or regulatory developments.

15.2 No Custody or Guarantee

H Lab does not hold, manage, or have access to any digital assets owned or controlled by users. All assets are managed exclusively by users through their own wallets. H Lab does not provide custody services and does not guarantee the performance, security, or continued existence of any blockchain network or token.

15.3 No Financial, Legal, or Tax Advice

All content and functionality available through TWIFT are provided solely for technical transaction facilitation. Nothing on the Platform constitutes or should be construed as:

• Investment advice;

• Financial or trading recommendations;

• Legal, tax, or accounting guidance; or

• A solicitation or offer to buy, sell, or hold any asset.

Users should obtain independent professional advice before making any decisions related to digital assets or blockchain activities.

15.4 Not a Securities Offering

The digital assets accessible or transacted through TWIFT are not securities, derivatives, or collective investment schemes under ADGM law or any other applicable jurisdiction. H Lab does not issue or sell tokens, nor does it participate in any capital-raising or investment scheme via the Platform.

15.5 User Risk Acknowledgment

By using TWIFT, you acknowledge and agree that:

• The value of digital assets can change rapidly and may result in total loss;

• You are solely responsible for evaluating and assuming all risks associated with digital asset transfers;

• H Lab is not responsible for any market losses, failed transactions, or loss of value resulting from your use of the Platform.

15.6 Regulatory Disclosure

H Lab Limited is incorporated in the Abu Dhabi Global Market (ADGM) as a private limited company. H Lab provides access to the TWIFT Platform solely as a technology provider and does not engage in any regulated financial, brokerage, or investment services under ADGM regulations. The Financial Services Regulatory Authority (FSRA) does not regulate digital asset transfers, prices, or blockchain transactions. Users interact directly with blockchain networks at their own discretion and assume full responsibility for any associated risks.

16. Complaints

16.1 Submitting a Complaint

If you wish to raise a concern or complaint regarding the Platform or Services, you may contact H Lab by email at [e-mail]. You should include your wallet address, a clear description of the issue, and any relevant transaction details. Complaints must be submitted in English and should be as specific as possible to allow efficient handling.

16.2 Acknowledgment and Response

H Lab will acknowledge receipt of your complaint within seven (7) business days of receiving it. After acknowledgment, H Lab will review the complaint internally and seek to provide a response or resolution within thirty (30) business days. If further investigation is required, H Lab will inform you of the expected timeframe for completion.

16.3 Resolution and Remedies

Where appropriate, H Lab may offer clarification, correction, or other reasonable remedies within its technical and operational capacity. You acknowledge that, due to TWIFT’s non-custodial design, H Lab cannot reverse, refund, or modify any on-chain transaction and that such limitations will apply to all complaint outcomes.

16.4 Escalation

If you are not satisfied with the outcome or handling of your complaint, you may raise general corporate or regulatory inquiries with the relevant ADGM authority where appropriate. However, H Lab is not a FSRA-authorised financial services firm, and ADGM authorities may not adjudicate private disputes.

Information on the Registration Authority’s contact procedures is available at www.adgm.com.

16.5 Good Faith Cooperation

You agree to cooperate in good faith with H Lab during the complaint-handling process by providing all relevant details, correspondence, and evidence to enable timely resolution. Unreasonable, abusive, or repeated submissions may result in delayed or discontinued processing.

17. Entire Terms and Severability

17.1 Entire Terms

These Terms, together with the Privacy Policy and any other documents or notices expressly incorporated by reference, constitute the entire understanding between you and H Lab concerning your access to and use of the Platform and Services. It supersedes all prior discussions, agreements, communications, or understandings, whether written or oral, relating to the same subject matter.No statement, representation, or warranty not expressly contained in these Terms shall be binding on H Lab.

17.2 Severability

If any provision of these Terms is determined by a competent court or regulatory authority to be invalid, illegal, or unenforceable, such provision shall be enforced to the maximum extent permitted by law, and the remaining provisions shall continue in full force and effect. The invalid or unenforceable portion shall be interpreted, where possible, in a manner consistent with the original intent of the parties.

17.3 Survival of Obligations

All provisions of these Terms which by their nature are intended to survive termination — including but not limited to Sections 7 (Disclaimer of Warranties), 8 (Limitation of Liability), 9 (Indemnification), 13 (Governing Law and Jurisdiction), and 16 (Complaints) — shall remain in effect following the discontinuation or termination of your use of the Platform.

17.4 No Waiver

Failure or delay by H Lab to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver shall be effective unless expressly made in writing and signed by an authorized representative of H Lab.

18. Independent Relationship

18.1 No Agency or Fiduciary Duty

Your relationship with H Lab Limited is strictly that of an independent user accessing a decentralized software interface. Nothing in these Terms shall be construed to create any partnership, joint venture, agency, employment, fiduciary, or similar relationship between you and H Lab. H Lab does not act as your broker, agent, intermediary, or advisor in connection with any transaction conducted through the Platform.

18.2 No Advisory Role

H Lab does not provide investment, financial, legal, or tax advice and does not owe you any fiduciary duty, suitability obligation, or duty of care beyond that expressly set forth in these Terms. You are solely responsible for your decisions when interacting with the Platform and executing transactions through your own wallet.

18.3 User Autonomy

All actions taken on the Platform are initiated and executed by you directly through your wallet. H Lab cannot and does not execute or approve transactions on your behalf. You acknowledge that all blockchain interactions facilitated by TWIFT are user-directed, and that H Lab merely provides the technical infrastructure enabling those interactions.

18.4 No Representation or Guarantee

You acknowledge that no oral or written information, statement, or representation made by H Lab, its employees, or affiliates shall be construed as a guarantee, commitment, or assurance of any outcome, profit, or benefit arising from your use of the Platform.

19. Termination and Suspension

19.1 Our right to suspend or terminate

H Lab may suspend, restrict, or terminate your access to all or part of the Services at any time, with or without notice, if H Lab reasonably believes that you have breached these Terms, violated applicable law, created risk or possible legal exposure for H Lab or other users, engaged in abusive, fraudulent, or harmful conduct, interfered with the operation or security of the Platform, or where required by a competent authority.

19.2 Actions we may take

H Lab may, without liability, disable features, throttle requests, geo-block access, delist or disable smart contract interactions in the interface, place rate limits, or take any other reasonable technical or legal measures to protect users, the Platform, or third parties.

19.3 Your right to stop using the Services

You may stop using the Services at any time by disconnecting your wallet. Because the Platform is non-custodial, H Lab cannot reverse on-chain actions or retrieve Digital Assets.

19.4 Effect of termination

Termination or suspension will not affect transactions already broadcast to a blockchain. Provisions that by their nature should survive will continue in effect, including Sections 4, 6, 7, 8, 9, 12, 13, 14, 15, 17, 18, 20, and 21.

19.5 No refunds

Service fees already paid or payable in connection with on-chain transactions are non-refundable. Network gas fees are outside H Lab’s control and are not refundable.

19.6 Notice

Where practicable, H Lab will provide a general notice through official channels. H Lab has no obligation to provide individual notice.

20. Assignment

20.1 By H Lab

H Lab may assign, transfer, novate, or delegate these Terms, in whole or in part, including any rights and obligations hereunder, to any affiliate or to a successor in interest in connection with a merger, acquisition, corporate reorganisation, asset transfer, or by operation of law. H Lab may give notice of any assignment by posting an update to these Terms. Your continued use of the Services after such posting constitutes acceptance.

20.2 By you

You may not assign, transfer, or delegate these Terms or any rights or obligations hereunder without H Lab’s prior written consent. Any attempted assignment in violation of this clause is void.

20.3 Binding effect

Subject to the foregoing, these Terms bind and benefit the parties and their respective permitted successors and assigns.

21. Waiver of Collective Actions

21.1 Individual claims only

To the maximum extent permitted by applicable law, you agree to bring any claim or dispute against H Lab only in your individual capacity. You waive any right to participate in a class, collective, consolidated, representative, or private attorney general action or proceeding.

21.2 No consolidation

Claims of different users may not be joined or consolidated in a single proceeding without H Lab’s prior written consent.

21.3 Severability

If any part of this Section 21 is found unenforceable, the remaining parts will remain in effect and the unenforceable portion will be enforced to the maximum extent permitted by law. This Section does not prevent you from seeking individual injunctive or declaratory relief where available under applicable law.

22. Contact Information

22.1 General Inquiries

For any questions about these Terms, the Platform, or the Services, you may contact: [e-mail]

H Lab will use reasonable efforts to respond to inquiries within a commercially reasonable period of time.

22.2 Privacy and Data Matters

For inquiries specifically related to data protection or privacy practices under the ADGM Data Protection Regulations 2021, please contact: [e-mail]

22.3 Official Announcements

All official communications, updates, and notices from H Lab, including amendments to these Terms, will be published through:

• The official website (www.twift.xyz)

• The official documentation site (docs.twift.xyz)

• Verified social media accounts operated by H Lab

Users are responsible for verifying that any communication claiming to represent H Lab originates from these official channels.

22.4 Language of Communication

All correspondence with H Lab shall be conducted in English. Communications in any other language may be translated for convenience, but the English version shall prevail in case of any inconsistency or dispute.