ARROWFARM TERMS AND CONDITIONS

You have read, understood, and agree to be legally bound by all terms, conditions, disclaimers, and covenants set forth herein;

You have evaluated and knowingly assumed all substantial risks inherent to digital assets, smart contracts, automated compounding, lending, borrowing, collateral liquidation, and decentralized finance (DeFi) protocols;

You may lose some or all of the digital assets deposited, interacted with, or routed through the Platform;

You possess the requisite technical and financial sophistication to evaluate the legal, regulatory, tax, operational, and cryptographic risks of using the Platform; and

You are bound by the dispute resolution, governing law, arbitration, class-action waiver, and liability limitation provisions contained in these Terms.

"Affiliate" means any entity that directly or indirectly controls, is controlled by, or is under common control with Arrowfarm Ltd., including parent companies, subsidiaries, sister corporations, and strategic holdings.

"Aggregate Liability Cap" means the maximum cumulative monetary recovery available to a User for any and all claims, losses, or actions arising out of or related to the Platform, fixed strictly at USD $5,000.

"Automated Compounding Strategy" means smart-contract logic, keeper-bot triggers, or off-chain scripts designed to automatically claim reward tokens, exchange them for base tokens, pair or rebalance liquidity, and redeposit the proceeds into underlying strategies.

"Digital Assets" means cryptocurrencies, stablecoins, non-fungible tokens (NFTs), liquid staking tokens (LSTs), liquidity provider (LP) tokens, yield-bearing assets, or any cryptographic tokens operating on public blockchain networks.

"Keeper / Bot" means automated software agents, off-chain services, or third-party decentralized networks that trigger smart contract functions (such as harvest, compound, rebalance, or liquidate functions).

"Incidental Assets" means airdrops, forked tokens, secondary governance tokens, fee distributions, or unexpected assets transferred to or accrued by Platform smart contracts.

"Platform" has the meaning assigned to it in the Preamble, encompassing both front-end software interfaces and underlying cryptographic protocols deployed by Arrowfarm.

"Third-Party Protocol" means any external dApp, automated market maker (AMM), liquidity pool, lending or borrowing market, externally curated vault, yield aggregator, adapter, bridge, price oracle, validator network, or cross-chain messaging protocol accessible through or interacting with the Platform, including Morpho and vaults curated by independent third parties such as Steakhouse.

"Vault" means an Arrowfarm or third-party smart contract deployment on a supported blockchain network that accepts user deposits and deploys assets into a designated strategy, including liquidity provision or lending, and may issue Receipt Tokens. An underlying third-party vault does not become an Arrowfarm-owned or Arrowfarm-managed vault merely because it is accessible through the Platform.

"Lending Vault" means a Vault that supplies Digital Assets, directly or through intermediate vaults or adapters, to one or more lending markets to seek interest or other rewards.

"Borrowing Position" means a position through which Digital Assets are borrowed, including a collateralized or leveraged position established directly by a User or through a supported Strategy. References to borrowing apply only where that functionality is supported; depositing into a Lending Vault does not by itself mean the User has personally taken out a loan.

"Strategy" means the smart-contract arrangements and operational rules through which a Vault deploys, reallocates, lends, borrows, compounds, or withdraws Digital Assets. A Strategy may rely on third-party curators, allocators, adapters, and other privileged roles.

"Third-Party Curator" means an independent person or entity that configures or influences an underlying vault's risk parameters, eligible markets, collateral exposure, allocations, adapters, or other settings, subject to the permissions of that vault.

Capacity: You represent and warrant that you are a natural person at least 18 years of age (or the legal age of majority in your jurisdiction) with full contractual capacity to execute these Terms.

Lawful Purpose: Your use of the Platform must comply with all applicable local, national, and international laws, regulations, rules, and guidance.

Sanctions & Geographic Restrictions: You explicitly represent and warrant that you are not:

• A citizen, resident, incorporated entity, or located within Cuba, Iran, North Korea, Syria, the Crimea, Donetsk, or Luhansk regions of Ukraine, or any other jurisdiction targeted by comprehensive economic sanctions enforced by the United States (OFAC), the United Kingdom, the European Union, the United Nations Security Council, or the British Virgin Islands (collectively, "Prohibited Jurisdictions");
• Listed on any sanctions or restricted parties list (e.g., OFAC's Specially Designated Nationals (SDN) List, Sectoral Sanctions Identifications List, or equivalent foreign registries);
• or Acting for, on behalf of, or transferring assets derived from any entity or individual subject to international sanctions or criminal investigation.

Evasion Prohibition: You agree not to utilize Virtual Private Networks (VPNs), IP-spoofing software, proxy servers, or alternative technical mechanisms to bypass geographic access restrictions or wallet screening systems maintained by Arrowfarm. Arrowfarm reserves the right to terminate access instantly upon detecting prohibited access patterns.

Non-Custodial Status: Arrowfarm operates on a strictly non-custodial basis. Arrowfarm never takes possession, custody, ownership, or control of your self-custodial wallet, private keys, seed phrases, or un-deposited Digital Assets.

Private Key Control: You are solely and exclusively responsible for the protection, backup, security, and integrity of your digital wallet, private keys, passwords, and multi-factor credentials. Arrowfarm has no technical capacity to retrieve, reset, or recover lost private keys or seed phrases.

Transaction Verification: Blockchain transactions are immediate, autonomous, and irreversible. Before signing any message, token approval, or contract execution through your wallet, you are solely responsible for verifying contract addresses, transaction data, network details, token quantities, and gas limits.

Token Approvals & Allowance Revocation: You acknowledge that approving smart contracts to spend or transfer tokens from your wallet creates ongoing cryptographic authorization. You are solely responsible for auditing, managing, limiting, and revoking token allowances via tools like Etherscan or Revoke.cash. Arrowfarm accepts no responsibility for losses resulting from unlimited token approvals granted by you.

Receipt Token Function: Certain Vaults may issue a receipt token, share token, LP receipt, or similar cryptographic token (a "Receipt Token") representing the holder's proportional claim on assets deposited into or attributable to that Vault. A Receipt Token is not merely a display item. Depending on the applicable smart-contract mechanics, possession or control of the Receipt Token may be required to redeem, withdraw, transfer, or otherwise exercise rights in respect of the underlying Vault position.

Transfer of Redemption Rights: If you sell, transfer, send, bridge, burn, pledge, approve, deposit into another protocol, or otherwise dispose of a Receipt Token, you may transfer or permanently lose some or all of your ability to redeem the corresponding underlying assets. A transfer of the Receipt Token may, depending on the smart-contract design, transfer the associated economic or redemption rights to the recipient.

Irreversibility and Misdirected Transfers: Transfers of Receipt Tokens are blockchain transactions and may be irreversible. Arrowfarm has no obligation and may have no technical ability to reverse a transfer, recover a Receipt Token sent to an incorrect address, retrieve a token sent to an unsupported smart contract, or restore redemption rights after a Receipt Token has been lost, destroyed, transferred, or otherwise disposed of.

Wallet and Approval Risk: You are solely responsible for securing any wallet that holds Receipt Tokens and for reviewing approvals or permissions granted over those tokens. Theft, phishing, malware, compromised private keys, malicious approvals, wallet-drainer transactions, or unauthorized transfers may result in the loss of both the Receipt Token and the ability to redeem the associated Vault assets.

Third-Party Market and Integration Risk: Arrowfarm does not represent or warrant that Receipt Tokens are suitable for sale, transfer, trading, collateralization, bridging, wrapping, lending, or use through any third-party marketplace, wallet, protocol, or smart contract. Third-party interfaces may display Receipt Tokens incorrectly, fail to recognize their redemption mechanics, or expose Users to additional smart-contract, liquidity, pricing, or transfer risks.

Value and Redemption Risk: The quantity of underlying assets represented by a Receipt Token, and the market value of those assets, may increase or decrease over time as a result of yield, fees, impermanent loss, market movements, strategy performance, smart-contract behavior, third-party protocol events, or other risks described in these Terms. No Receipt Token has a guaranteed market value, redemption value, or minimum return.

User Responsibility and No Reimbursement: You are solely responsible for maintaining custody of Receipt Tokens required to redeem your Vault position and for verifying the consequences of any transfer or approval before signing a transaction. To the maximum extent permitted by applicable law, Arrowfarm shall have no liability and no obligation to reimburse, replace, restore, or compensate you for losses arising from the sale, transfer, loss, theft, destruction, misdirection, approval, pledge, bridging, or other disposition of a Receipt Token.

Assumption of Risk: By depositing into a Vault that issues a Receipt Token, you expressly acknowledge that you understand the function of the Receipt Token and assume the risks described in this Section. This Section forms part of, and is subject to, the risk assumptions, disclaimers, limitations of liability, indemnification provisions, and dispute-resolution provisions contained elsewhere in these Terms. This Section survives termination of your use of the Platform.

Vault Operations: Vaults accept designated Digital Assets and deploy them into underlying Strategies under the applicable smart-contract rules. Some Vaults issue Receipt Tokens. Depending on the selected Vault, assets may be supplied to lending markets or third-party vaults rather than liquidity pools. Borrowing, collateralization, or leverage may be available only for certain features or Strategies and must be evaluated separately from ordinary lending deposits.

Compounding Mechanics: Autocompounding involves automated sequence actions: claiming yield/reward tokens, swapping reward assets on DEXs, pairing tokens, adding liquidity, and redepositing the liquidity back into the strategy.

Frequency Disclaimer: References to "auto-compounding," "automated," or "real-time compounding" do not imply continuous, block-by-block execution. Compounding triggers depend on gas price feasibility, reward thresholds, liquidity depth, and keeper bot schedules.

Strategy Parameters & Privileged Roles: Strategies operate under their applicable smart-contract logic and permissions, which may include upgrades, allocation changes, migrations, pauses, or other administrative actions. Some components may be immutable while others may be changed by authorized roles. Third-Party Curators and allocators may actively select markets or reallocate assets. Users must review the actual permissions of each Arrowfarm and underlying third-party contract. Automation and non-custodial wallet access do not eliminate administrative, management, or governance risks.

Scope and Arrowfarm's Role: The Platform may provide access to Lending Vaults, lending markets, and, where supported, Borrowing Positions, directly or through Arrowfarm contracts, routers, wrappers, or adapters. These features may integrate Third-Party Protocols and independently curated vaults, including vaults on Morpho curated by Steakhouse. Access through Arrowfarm does not make Arrowfarm the operator or curator of an underlying third-party vault or market, the issuer of its assets, or a guarantor of its performance. Arrowfarm remains responsible for any duties that applicable law imposes on Arrowfarm in respect of its actual activities.

No Principal Protection or Credit Guarantee: Assets supplied through a Lending Vault are exposed to lending and credit risk. Neither collateralization, automated liquidation, third-party curation, an audit, a stablecoin denomination, nor a positive displayed yield ensures repayment or protects principal. To the maximum extent permitted by applicable law, Arrowfarm does not guarantee any borrower's repayment, the sufficiency or enforceability of collateral, or the solvency or performance of a Third-Party Protocol or Third-Party Curator. The Platform does not itself provide deposit insurance or an Arrowfarm-funded compensation scheme. Do not assume that a Vault deposit has the protections of a bank deposit.

Borrower Default and Bad Debt: Borrowers may fail to repay principal or interest. Collateral may decline in value, become illiquid, lose its peg, be frozen, or prove insufficient before liquidation can occur. Liquidations may fail, be delayed, or produce insufficient proceeds because of market conditions, oracle errors, network outages, inadequate liquidator incentives, or other causes. Resulting bad debt or shortfalls may be allocated to lenders or Vault depositors under the applicable protocol's rules, reducing or eliminating principal, accrued interest, or redemption value. A User who only lends may suffer these losses even without personally borrowing or having collateral liquidated. Losses may be recognized with a delay, so displayed balances or share prices may overstate recoverable assets.

Shared Liquidity and Withdrawal Restrictions: Supplied assets may be borrowed or committed to underlying markets, vaults, or strategies. Withdrawals depend on available liquidity, borrower repayments, reallocation capacity, and applicable protocol rules. Users accessing the same underlying vault or market through Arrowfarm, another interface, or directly may draw on the same available liquidity. Arrowfarm does not provide separate or reserved liquidity or priority withdrawal rights merely because a deposit was made through the Platform. A withdrawal request may fail, execute only in part, enter a queue, or remain unavailable for an indefinite period. A Vault described as having no lock-up or no withdrawal fee is not a guarantee of immediate redemption. Arrowfarm cannot guarantee that it can unlock, recover, or accelerate withdrawals or compel borrower repayment.

Curator, Allocator, and Governance Risk: Independent vault owners, curators, allocators, guardians, sentinels, adapter operators, and governance participants may influence eligible markets, collateral exposure, risk limits, asset allocations, fees, withdrawal routes, permissions, upgrades, or emergency actions, depending on the applicable contracts. Errors, conflicts of interest, compromised keys, malicious acts, inappropriate allocations, or parameter changes may cause losses or prevent withdrawals. A third-party name, listing, integration, audit, or risk description is not an Arrowfarm warranty that the party's decisions are safe, suitable, or continuously monitored.

Variable Interest, Fees, and Incentives: Lending yields and borrowing costs may change rapidly with utilization, demand, interest-rate models, fees, or incentive programs. Borrowing interest may accrue even when the Platform is unavailable or an exit transaction fails. Borrowing costs and fees may exceed lending returns or rewards, and net returns may be negative. Displayed APYs, APRs, accrued interest, rewards, and portfolio values may be delayed, incomplete, denominated in volatile tokens, or calculated using assumptions that do not reflect a User's realized return. Bonus emissions do not insure or compensate for credit losses or create a guaranteed return.

Borrower Collateral and Liquidation: Where a User opens or authorizes a Borrowing Position, the User is responsible for reviewing and monitoring outstanding debt, accrued interest, collateral value, loan-to-value ratios, liquidation thresholds, repayment conditions, and applicable fees. A position may become liquidatable through price movements, interest accrual, oracle behavior, or permitted parameter changes. Collateral may be seized or sold, in whole or in part, without advance notice, with liquidation incentives, penalties, slippage, and costs. An attempted repayment or collateral top-up may not execute in time. Closing the website, disconnecting a wallet, or losing access to the Platform does not close a position or stop interest accrual. Any remaining repayment obligations are determined by the applicable arrangement and law. Arrowfarm does not guarantee alerts, margin calls, automatic repayment, collateral top-ups, or liquidation prevention.

Leverage and Recursive Strategies: Where supported and authorized, borrowing to reinvest, loop, or otherwise increase exposure can magnify losses, borrowing costs, and liquidation risk. Correlated collateral and loan assets may diverge, and several positions or protocols may fail together. Unwinding may require several transactions and depend on liquidity at multiple layers. The inability to complete any step may leave a User exposed to debt, changing rates, slippage, or liquidation.

Underlying Asset and Integration Risks: Lending and borrowing may depend on tokens, collateral issuers, custodians, reserves, redemption mechanisms, oracles, adapters, wrappers, receipt tokens, routers, and other linked contracts. Blacklisting, transfer restrictions, issuer insolvency, redemption failure, share-price manipulation, incorrect accounting, donation attacks, rounding errors, incompatible token behavior, or failures in any linked component may cause losses or block deposits, repayment, liquidation, or withdrawal. An underlying protocol audit does not establish that Arrowfarm's integration, an intermediate contract, or the complete transaction path has been audited or is secure.

User Review and Third-Party Terms: Before transacting, you must review the applicable Vault information, contract addresses, asset and collateral exposures, curator identity, permissions, fees, withdrawal conditions, and available third-party risk disclosures and terms. Third-party terms govern your dealings with those parties to the extent applicable and legally binding; they do not replace these Terms or create an Arrowfarm guarantee. Information linked or displayed by Arrowfarm may change or become outdated. Arrowfarm does not undertake to monitor your position, verify every third-party statement, recover losses, or enforce third-party obligations on your behalf, except where required by law or expressly agreed in writing.

Assumption of Risk and Specific Liability Exclusion: You acknowledge and assume the risks described in this Section when using the relevant features. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ARROWFARM AND THE PARTIES PROTECTED UNDER SECTIONS 13–15 SHALL NOT BE LIABLE FOR LOSSES ARISING FROM BORROWER DEFAULT, BAD DEBT, INSUFFICIENT COLLATERAL, LIQUIDATION, VARIABLE INTEREST, LEVERAGE, WITHDRAWAL ILLIQUIDITY, THIRD-PARTY CURATOR OR ALLOCATOR DECISIONS, OR FAILURES OF UNDERLYING THIRD-PARTY VAULTS, MARKETS, OR PROTOCOLS. ARROWFARM HAS NO OBLIGATION TO REPLACE LOST ASSETS, COVER SHORTFALLS, ADVANCE WITHDRAWAL LIQUIDITY, REPAY A USER'S DEBT, OR MAKE A USER WHOLE FOR THOSE EVENTS, EXCEPT TO THE EXTENT SUCH AN OBLIGATION CANNOT LAWFULLY BE EXCLUDED. This provision applies together with, and is subject to, Sections 12–16 and the mandatory-law safeguard in Section 14. It is not a guarantee of immunity from legal responsibility.

Privileged Roles: Certain Vault contracts contain administrative functions, multisig access controls, pause mechanics, or upgradeable proxy pointers. These roles exist to mitigate emergencies, freeze exploited strategies, or adjust operational parameters.

Multisig & Security Councils: Admin keys may be held by core developers, community multisigs, or security councils. You acknowledge that administrative privileges introduce human operational risk, key compromise risk, or governance execution risk.

Automated Keeper Dependency: Strategies depend on off-chain keepers, relayers, or bots to trigger execution functions. Arrowfarm does not guarantee the continuous availability, accuracy, or timing of keeper bots. Unexecuted triggers do not give rise to any legal claim against Arrowfarm.

Interface Convenience Layer: The Platform web interface (e.g., website, UI components, dashboard) is provided solely as a visual convenience layer to interact with underlying smart contracts.

Interface Outages & Fallbacks: Front-end interfaces may become temporarily or permanently offline, degraded, blocked, or altered due to hosting provider failures, DNS attacks, cloud outages, or legal actions.

Direct Blockchain Access: In the event of a front-end interface outage, your assets remain deployed on public blockchains. You acknowledge that you can interact directly with the open-source smart contracts via blockchain explorers (e.g., Etherscan, BscScan), CLI tools, or alternative secondary UIs. Direct interaction may require technical expertise and does not guarantee a successful withdrawal, repayment, collateral adjustment, or other transaction. Front-end outages do not suspend interest accrual, liquidation eligibility, or underlying protocol restrictions.

Platform Fees: Applicable fees vary by Vault and feature and may include performance fees on generated yield, deposit fees, withdrawal fees, swap fees, or execution fees, as disclosed for the relevant transaction or Vault. Any performance fee is a fee under the disclosed Vault arrangements and is not a guarantee of positive performance or principal protection. Some Vaults may have no deposit or withdrawal fee; that does not eliminate network costs, underlying protocol charges, borrowing costs, or withdrawal liquidity restrictions.

Dynamic Fee Schedule: The current applicable fee rates are displayed dynamically within the user interface before transaction execution and are detailed in official documentation. Arrowfarm may adjust applicable fees prospectively in accordance with disclosed contract permissions, applicable notice requirements, and law. Third-party fees may change independently.

Programmatic Collection: Fees may be collected programmatically through asset deductions, share issuance or dilution, or other disclosed smart-contract mechanisms, including on accrual, harvest, compounding, deposit, withdrawal, or other specified events.

Third-Party & Network Fees: You remain responsible for all third-party DEX swap fees, bridge fees, lending pool spread costs, and underlying network transaction fees ("gas"). Gas fees paid for failed transactions are non-refundable.

Independent Third Parties: The Platform may interact with independent protocols and vaults, including Morpho and third-party vaults curated by Steakhouse, as well as other lending markets and liquidity protocols. Integration, branding, listing, or fee collection does not by itself mean Arrowfarm owns, operates, curates, audits, guarantees, or controls an underlying third-party vault or protocol. An Arrowfarm wrapper or integration may add a separate layer of smart-contract and operational risk.

Interoperability Risk: Malfunctions, hacks, illiquidity, price manipulation, or administrative pauses initiated by Third-Party Protocols will directly impact your Vault positions. To the maximum extent permitted by applicable law and subject to Section 14, Arrowfarm excludes liability for damage, loss, or operational failure resulting from Third-Party Protocols or their curators, allocators, administrators, borrowers, or collateral providers. The specific risks and allocation of responsibility in Section 5A also apply.

No Right to Incidental Assets: Vault smart contracts may receive unprompted airdrops, governance tokens, forked assets, or fee distributions ("Incidental Assets").

Platform Ownership: You expressly agree that holding Vault share tokens gives you no legal ownership, claim, entitlement, or right to extract Incidental Assets accumulated by Vault contracts unless expressly programmed into the strategy. Arrowfarm reserves full discretion to claim, ignore, burn, or convert Incidental Assets for protocol operational needs.

Proprietary Rights: Arrowfarm retains all right, title, and interest in and to the Platform, interface designs, logos, trademarks, branding, trade names, graphics, text, custom software, and underlying proprietary code, excluding third-party software.

Open-Source Software: Certain smart contract code or developer repositories may be made available under open-source licenses (e.g., MIT, GNU General Public License). Where an explicit open-source license applies to specific source code, the terms of that open-source license shall govern with respect to that specific code snippet.

IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT;

WARRANTIES THAT THE PLATFORM WILL OPERATE UNINTERRUPTED, SECURELY, ERROR-FREE, OR WITHOUT MALWARE OR DEFECTS;

WARRANTIES REGARDING THE ACCURACY, TIMELINESS, COMPLETENESS, OR RELIABILITY OF ANY DISPLAYED DATA, APY, APR, PRICES, OR PORTFOLIO VALUES; AND

WARRANTIES THAT SMART CONTRACTS ARE IMMUNE FROM HACKS, VULNERABILITIES, RE-ENTRANCY ATTACKS, OR EXPLOITS.

Is entirely discretionary and gratuitous;

Does not constitute an admission of legal liability or wrongdoing;

Does not establish any legal precedent; and

Creates no future obligation to compensate users under any circumstances.

Written Notice of Claim:

• You must send a written notice of dispute containing: Your full legal name, physical address, and contact information;
• The cryptographic wallet address(es) involved;
• A detailed factual summary of the dispute and dates of activity;
• and The specific financial remedy requested.

Delivery: The Notice must be emailed to arrowdotfarm@proton.me.

30-Day Negotiation Period: You and Arrowfarm agree to attempt in good faith to resolve the claim for 30 calendar days following receipt of the Notice. During this period, all applicable statutes of limitations shall be tolled.

Prerequisite to Arbitration: Satisfying this informal process is an express condition precedent to commencing arbitration. An arbitrator shall dismiss any arbitration filed prior to completing this 30-day negotiation period.

Agreement to Arbitrate: Except for claims eligible for small claims court or urgent injunctive relief regarding intellectual property, any dispute, controversy, or claim arising out of or relating to these Terms, the Platform, Vaults, Smart Contracts, or transactions shall be settled exclusively by final and binding individual arbitration.

Arbitration Rules & Provider: The arbitration shall be administered by JAMS International in accordance with the JAMS International Arbitration Rules in effect at the time of filing.

Seat and Location of Arbitration: The legal seat and location of arbitration shall be Road Town, Tortola, British Virgin Islands. All hearings may be conducted virtually or via video conference at the request of either party.

Single Neutral Arbitrator: The dispute shall be decided by a single neutral arbitrator appointed in accordance with JAMS International Rules. The arbitrator shall issue a reasoned written award.

Language: The arbitration shall be conducted in the English language.

Enforceability of Award: The arbitral award shall be final, binding, and non-appealable, and judgment upon the award may be entered in any court of competent jurisdiction under the New York Convention on the Recognition and Enforcement of Foreign Arbitral Awards.

Class Action Waiver: YOU AND ARROWFARM EXPRESSLY AGREE THAT NEITHER PARTY MAY BRING A CLAIM AS A PLAINTIFF, CLASS REPRESENTATIVE, OR CLASS MEMBER IN ANY CLASS ACTION, COLLECTIVE ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE PROCEEDING.

No Class Arbitrations: The arbitrator shall have no power or authority to consolidate claims, conduct class arbitrations, or award relief to any person other than the individual claimant.

Jury Trial Waiver: YOU AND ARROWFARM KNOWINGLY, VOLUNTARILY, AND IRREVOCABLY WAIVE ALL RIGHTS TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM.

Batching: Counsel for claimants and counsel for Arrowfarm shall select 10 claims (5 per side) to proceed as initial "Bellwether Arbitrations".

Stay of Remaining Claims: All remaining claims shall be stayed, and no arbitration administrative fees shall be assessed or collected regarding the stayed claims during this period.

Global Mediation: Following the resolution of the 10 Bellwether Arbitrations, the parties shall engage in a 60-day global mediation before a retired judge to negotiate settlement of all remaining claims.

Severability: If this mass arbitration section is held invalid or unenforceable with respect to a specific claim, that claim shall proceed individually in BVI arbitration subject to Section 18.

Your breach of any provision of these Terms;

Your access to or use/misuse of the Platform, Vaults, or Strategies;

Transactions executed through your self-custodial digital asset wallet;

Your violation of any local or international law, sanction, or third-party intellectual property right; or

Any tax liability or filing requirement attributable to your usage of the Platform.

Governing Law: These Terms, any dispute or claim arising out of them, and your relationship with Arrowfarm shall be governed by, construed, and enforced in accordance with the laws of the British Virgin Islands, without giving effect to any conflict-of-laws or choice-of-law principles.

Forum for Non-Arbitrable Disputes: In the event that any dispute is held by an arbitrator or court not to be subject to binding arbitration, you and Arrowfarm agree that such dispute shall be brought exclusively in the commercial courts of the British Virgin Islands. You irrevocably consent to personal jurisdiction and venue in such courts.

Electronic Notices: You consent to receive communications, disclosures, and legal notices electronically through the Platform interface, official documentation, social channels, or cryptographic messages.

Unilateral Updates: Arrowfarm reserves the right to amend or modify these Terms at any time by posting the updated version on the Platform with a revised "Last Updated" date. Your continued use of the Platform after changes become effective constitutes affirmative acceptance of the revised Terms.

YOU HAVE READ AND UNDERSTOOD THESE TERMS IN FULL, INCLUDING SECTION 5A WHERE YOU USE LENDING OR BORROWING FEATURES.

YOU ACCEPT THE DISCLOSED RISKS AND UNDERSTAND THAT DIGITAL ASSETS CAN DROP TO ZERO VALUE, LENDERS MAY BEAR BAD DEBT, WITHDRAWALS MAY BE UNAVAILABLE, AND BORROWERS MAY LOSE COLLATERAL THROUGH LIQUIDATION. ACCESS THROUGH ARROWFARM DOES NOT MAKE AN UNDERLYING THIRD-PARTY VAULT AN ARROWFARM-OWNED OR ARROWFARM-MANAGED VAULT.

YOU AGREE TO THE LIABILITY EXCLUSIONS AND USD $5,000 AGGREGATE CAP, SUBJECT TO THE MANDATORY-LAW SAFEGUARD IN SECTION 14.

YOU ACCEPT THE PROTECTIONS FOR INDIVIDUALS IN SECTION 15 TO THE EXTENT PERMITTED BY APPLICABLE LAW.

YOU AGREE TO RESOLVE ALL DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION IN THE BRITISH VIRGIN ISLANDS. YOU WAIVE YOUR RIGHT TO A TRIAL BY JURY AND TO PARTICIPATE IN CLASS ACTIONS.