Effective Date: 14 April 2026

Governing Law: England and Wales

MONOLITH LABS LTD, a private limited company incorporated in England and Wales (Company Number: 17154388), officially registered with the UK Information Commissioner's Office (ICO Registration: ZC126753).

Registered Address: 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ

IMPORTANT NOTICE: BY DOWNLOADING, INSTALLING, UPDATING, OR CONTINUING TO USE THE OPINCUR HUB APPLICATION AFTER THE EFFECTIVE DATE, YOU EXPRESSLY AND UNCONDITIONALLY AGREE TO THESE TERMS IN THEIR ENTIRETY. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU MUST IMMEDIATELY CEASE USE OF AND UNINSTALL THE APPLICATION.

1. Acceptance of Terms

These Terms of Service and End User License Agreement (the "Terms" or "Agreement") constitute a legally binding agreement between you and MONOLITH LABS LTD (the "Company"). By downloading, installing, accessing, or using the OPINCUR HUB application (the "Application"), you expressly agree to be bound by these Terms. This action constitutes a legally binding electronic acceptance. If you do not agree to all of these Terms, you are expressly prohibited from using the Application and must immediately cease use and uninstall it.

2. Nature of the Application

2.1. Community and Information Platform. OPINCUR HUB is a Web3 community engagement platform, news aggregator, and loyalty assessment system. The Application provides access to ecosystem news, community interaction features, a social gamification layer, and connectivity to the broader OPINCUR ecosystem.

2.2. Not a Financial Product. The Application is not, and does not function as, a cryptocurrency wallet, exchange, broker, custodian, payment processor, or financial intermediary of any kind. The Application does not execute, sign, or broadcast blockchain transactions. The Application does not constitute a Regulated Activity as defined under the Financial Services and Markets Act 2000 (FSMA 2000).

2.3. Ecosystem Gateway. The Application serves as an informational and community gateway to the broader OPINCUR ecosystem, including the OPINDEX wallet application. OPINDEX is a separate product governed by its own terms and privacy policy.

3. Eligibility and Access

3.1. Age Requirement. Use of the Application is strictly restricted to individuals who are at least eighteen (18) years of age and have the legal capacity to enter into a binding contract. By using the Application, you represent and warrant that you satisfy this requirement.

3.2. Sanctions Compliance. By using the Application, you represent and warrant on a continuing basis that you are not located in, resident in, or a national of any jurisdiction subject to comprehensive economic sanctions by the UK (OFSI), USA (OFAC), EU, or UN, and that you are not listed on any applicable sanctions register.

3.3. Device Integrity. Use of the Application on devices with compromised security systems — including jailbroken or rooted devices — is strictly prohibited. The Company reserves the right to deny access to any device it reasonably determines to be operating in a compromised security environment, without notice and without liability.

4. Onboarding — Invite System and Nickname Protocol

4.1. Invite-Only Access. Registration within the Application is available exclusively via a valid invite code issued by an existing ecosystem participant. The Company reserves the right to modify, suspend, or discontinue the invite system at any time at its sole discretion.

4.2. Nickname as Unique Identifier. Upon successful onboarding, each user creates a unique nickname. This nickname serves as the user's permanent and unique identifier within the OPINCUR ecosystem and simultaneously functions as that user's referral code for the purpose of inviting new participants. The user accepts full responsibility for their chosen nickname and its compliance with Section 5 of these Terms.

4.3. Account Security. Your account is personal and non-transferable. You are solely responsible for maintaining the security of your login credentials and for all activity that occurs under your account. The Company bears no liability for unauthorised access to your account resulting from your failure to maintain adequate security.

5. CIO Points — Ecosystem Loyalty Index

5.1. Nature of CIO Points. CIO Points are internal ecosystem gamification units that represent a user's activity level, community contribution, and status within the OPINCUR ecosystem. CIO Points function exclusively as an internal loyalty and engagement metric.

5.2. No Financial Value. CIO Points are not, and are not intended to be, electronic money, securities, investment contracts, financial instruments, or any other regulated financial product. CIO Points have no fixed or guaranteed monetary value, no peg to any fiat currency or cryptocurrency, and no guaranteed liquidity or exchangeability. The Company makes no representation, warranty, or guarantee that CIO Points will ever have any external monetary value.

5.3. Accrual of CIO Points. Users accrue CIO Points through eligible ecosystem activities including viewing partner content, expanding their community network through the invite system, and other activities designated by the Company from time to time. The Company reserves the right to modify the accrual formula, rates, and eligible activities at any time at its sole discretion without notice or liability.

5.4. Algorithmic Variation. The rate of CIO Points accrual may vary algorithmically based on activity patterns, network depth, and ecosystem parameters determined by the Company. Such variation constitutes gamification of engagement and does not constitute gambling, betting, or any form of lottery under the Gambling Act 2005 or any other applicable law.

5.5. Expiry — Inactive Accounts. If a user fails to log into the Application for six (6) consecutive calendar months, the Company reserves the right to permanently zero the CIO Points balance of that account. This mechanism is designed to maintain the relevance and integrity of the ecosystem loyalty index.

6. Five-Tier Community Network

6.1. Network Structure. The Application operates a five-tier community referral structure. Users may earn CIO Points based on the eligible activity of participants within their community network up to five (5) generations deep. This structure constitutes a social gamification and community engagement mechanic and does not constitute a multi-level marketing scheme, pyramid scheme, financial investment structure, or any regulated financial arrangement.

6.2. Network Integrity Responsibility. You accept personal responsibility for the integrity of your community network. You are prohibited from knowingly permitting, facilitating, or encouraging Sybil attacks, bot activity, fake account creation, or any other form of manipulation within your network. The Company reserves the right — upon detection of manipulation within any branch of a user's network — to immediately suspend and permanently void the CIO Points of all accounts within the affected branch, without prior notice and without liability.

6.3. No Earnings Guarantee. The Company makes no guarantee, representation, or warranty that participation in the community network will result in any specific accumulation of CIO Points or any financial benefit of any kind.

7. P2P Social Tips — Appchain Transfers

7.1. Social Tip Functionality. The Application allows users to transfer CIO Points to other users by nickname, free of charge. This functionality is a social interaction and gamification feature designed to enable users to recognise and reward community contributions.

7.2. Gratuitous Transfer. All P2P transfers of CIO Points are gratuitous acts of social interaction. They do not constitute payment transactions, money transfers, or any regulated payment service. The Company is not a payment processor, money service business, or financial institution in respect of this functionality.

7.3. No Reversal. CIO Points transfers made via the P2P tip functionality are final and cannot be reversed or disputed. The Company bears no liability for mistaken transfers.

8. Anti-OTC and Account Integrity

8.1. Prohibited Conduct. The following conduct is strictly prohibited and constitutes a material breach of these Terms:

• Using CIO Points transfers to pay for real-world goods or services outside the Platform.
• Exchanging CIO Points for fiat currency or cryptocurrency through any channel outside the Platform.
• Selling, transferring, or otherwise disposing of your OPINCUR HUB account to any third party.
• Creating multiple accounts for the purpose of accumulating CIO Points across accounts.

8.2. Consequences. Upon detection of any prohibited conduct described in Section 8.1, the Company reserves the right to immediately and permanently suspend and delete the offending account and void all associated CIO Points, without prior notice, without liability, and without any obligation to provide a refund or compensation of any kind.

9. Future Ecosystem Development — No Promises

9.1. Evolving Ecosystem. The OPINCUR ecosystem is under active development. The Company may, entirely at its own discretion and as an act of goodwill, explore future integrations between the ecosystem's loyalty mechanics and Web3 technologies. Any such development will be subject to applicable regulatory requirements at the time and will be conducted in a manner the Company determines to be legally compliant.

9.2. No Commitment. Nothing in these Terms, in any marketing material, in any community communication, or in the Application itself constitutes a promise, representation, guarantee, or legally binding commitment by the Company to: conduct any token generation event; issue any cryptocurrency or digital asset; provide any mechanism for converting CIO Points into any external asset of monetary value; or list any token on any exchange.

9.3. Ex Gratia Only. Any future event in which CIO Points may interact with Web3 mechanisms — if it occurs at all — will be an entirely discretionary act of goodwill by the Company. The Company reserves the right to modify, delay, cancel, or restructure any such initiative at any time without notice, without liability, and without any obligation to compensate users for any expectation created.

9.4. Tax Responsibility. In the event of any future ecosystem development involving Web3 interactions, you are solely responsible for determining, declaring, and paying any applicable taxes in your jurisdiction. The Company does not provide tax advice and makes no representation regarding the tax treatment of CIO Points or any future ecosystem event.

10. Advertising

10.1. Third-Party Ad Networks. The Application integrates third-party advertising network APIs to support free access to the Service. The Company acts as a technical integration layer only and categorically disclaims all liability for the accuracy, safety, ethics, legality, or content of any advertisement served through third-party networks.

10.2. Proprietary Ad Network. The Company reserves the right to disable third-party advertising networks and deploy its own proprietary advertising service within the Application at any time. The Company may directly sell advertising inventory to third parties, startups, and Web3 projects, and may promote its own products within the Application's advertising infrastructure.

10.3. No Endorsement. The display of any advertisement — whether served via a third-party algorithm or placed directly by the Company — does not constitute a recommendation, financial advice, endorsement, or approval by the Company of any product, service, or investment opportunity.

10.4. User Risk. Any click on advertising links, transfer of personal data to advertisers, download of third-party applications, or financial interaction with any advertiser is done entirely at your own risk. The Company bears no liability for any financial, technical, or other loss arising from your interaction with any advertisement or advertiser.

11. OAuth Authentication and Third-Party Login

11.1. Login to the Application is executed exclusively via OAuth providers (Apple, Google, Facebook). The Company bears no liability for loss of access to your account or your CIO Points balance resulting from: a third-party provider suspending or terminating your account; changes to a third-party provider's API or authentication protocols; or your failure to maintain access to your third-party login credentials.

11.2. Apple Inc., Google LLC, and Meta Platforms Inc. are not sponsors of the Application, do not manage or endorse the CIO Points system, and bear no responsibility for any activities, promotions, or events within the ecosystem.

12. Anti-Sybil and Ecosystem Integrity

12.1. The following conduct is strictly prohibited: use of bots, automated scripts, emulators, autoclickers, account farms, Sybil attacks, or any technical exploit designed to artificially inflate CIO Points balances or manipulate ecosystem metrics.

12.2. The Company reserves the right to immediately block any account it reasonably suspects of prohibited conduct and permanently void all associated CIO Points, without prior notice and without liability.

13. User Content

13.1. You bear sole and absolute personal liability for all content you create within the Application, including nicknames, referral codes, and uploaded avatars. You represent and warrant that your content does not infringe any third-party intellectual property rights, does not constitute defamatory or unlawful material, and complies with all applicable laws.

13.2. The Company acts as a neutral technical platform and is not the author of your content. The Company bears no liability for any content created by users.

14. Intellectual Property

14.1. All rights, title, and interest in and to the OPINCUR HUB Application — including its source code, UI/UX design, visual branding, the OPINCUR brand, and all associated intellectual property — are the exclusive property of MONOLITH LABS LTD, protected pursuant to the Copyright, Designs and Patents Act 1988 and all applicable intellectual property law. Any unauthorised copying, reverse engineering, cloning, or commercial exploitation of the Application or its intellectual property will be pursued to the fullest extent of applicable law.

14.2. Any feedback, ideas, or suggestions you submit to the Company regarding the Application automatically become the sole property of MONOLITH LABS LTD. You waive any claim to royalties or compensation for such submissions.

15. Disclaimer of Warranties

THE APPLICATION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY UK LAW, MONOLITH LABS LTD DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE COMPANY DOES NOT GUARANTEE UNINTERRUPTED OR ERROR-FREE OPERATION OF THE APPLICATION.

16. Limitation of Liability

16.1. Exclusion of Indirect Damages. To the maximum extent permitted by the laws of England and Wales, MONOLITH LABS LTD, its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of CIO Points, loss of data, loss of business, or reputational damage — arising from your use of or inability to use the Application.

16.2. Liability Cap. To the maximum extent permitted by law, the Company's total aggregate liability to you for all claims arising out of or related to these Terms or the Application is strictly capped at £100 (One Hundred British Pounds), reflecting the free-of-charge nature of the Application and the non-monetary nature of CIO Points.

16.3. Statutory Rights. Nothing in these Terms excludes liability for death or personal injury caused by the Company's negligence, or for fraud or fraudulent misrepresentation, as such liabilities cannot be legally excluded under the Unfair Contract Terms Act 1977 or the Consumer Rights Act 2015.

17. Indemnification

You agree to indemnify, defend, and hold harmless MONOLITH LABS LTD, its directors, officers, and affiliates from any claims, damages, liabilities, costs, or legal fees arising out of: your use of the Application; your violation of these Terms; your user content; your violation of any applicable law or third-party right; or any manipulation of your community network in breach of Section 6.

18. Service Modification and Termination

18.1. The Company reserves the right to modify, suspend, or discontinue the Application or any of its features at any time, with or without notice, and without liability to you.

18.2. The Company reserves the right to terminate or suspend your account immediately and without notice if it reasonably suspects you have breached these Terms.

19. Force Majeure

The Company shall not be liable for any delay or failure to operate the Application resulting from causes beyond its reasonable control, including acts of God, power outages, telecommunications failures, cyberattacks, or acts of government.

20. Privacy

Data processing is conducted in accordance with the OPINCUR HUB Privacy Policy, which forms an inseparable part of these Terms and is available at /policy. By accepting these Terms, you also accept the Privacy Policy.

21. General Provisions

21.1. Severability. If any provision of these Terms is found unenforceable, it shall be severable and shall not affect the remaining provisions.

21.2. No Waiver. Failure to enforce any provision shall not constitute a waiver of the right to enforce it in future.

21.3. Assignment. You may not assign your rights under these Terms. The Company may assign its rights and obligations at any time without notice to you.

21.4. Prevailing Language. The English language version of these Terms shall exclusively prevail in the event of any discrepancy in translation.

21.5. Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company regarding the Application.

22. Modifications to These Terms

The Company reserves the right to update these Terms at any time. Changes will be indicated by updating the Effective Date. Continued use of the Application after any update constitutes your binding acceptance of the revised Terms.

23. Governing Law and Dispute Resolution

23.1. Governing Law. These Terms shall be governed by and construed in accordance with the laws of England and Wales.

23.2. Arbitration. Any dispute arising out of or relating to these Terms or the Application shall be finally resolved by binding arbitration under the Rules of the London Court of International Arbitration (LCIA), with the seat of arbitration in London, England. The language of arbitration shall be English. Nothing in this clause prevents either party from seeking urgent interim injunctive relief from a court of competent jurisdiction.

23.3. Class Action Waiver. You unconditionally waive any right to participate in any class action, collective, or representative proceeding against the Company. All claims must be brought on an individual basis.

23.4. Time Limitation. Any claim must be filed within one (1) year of the date on which the claim arose, or be permanently time-barred.

23.5. Legal Fees. The arbitral tribunal may award the prevailing party its reasonable legal fees and costs. Particular weight shall be given to awarding costs against any party bringing a claim that is frivolous or without merit.

23.6. Consumer Rights. Nothing in this Section excludes any rights you may have under mandatory consumer protection law to bring proceedings before a competent court or regulatory authority. Where such rights cannot lawfully be excluded, they are expressly preserved.

© 2026 MONOLITH LABS LTD. All rights reserved. Company Number: 17154388. ICO Registration: ZC126753. Registered in England and Wales.

Contact: info@monolithlabs.uk