Effective Date: December 25, 2025

These Terms of Service (the "Agreement") govern the use of the OPINCUR App mobile application (the "Application"), provided by the OPINCUR team.

By using the Application, the user confirms that they have read, understood, and fully accepted the terms of this Agreement.

1. General Provisions

1.1. OPINCUR App is an informational and community hub designed to unite users, developers, and participants of the OPINCUR ecosystem, as well as to provide news, updates, content, and access to external services.

1.2. The Application is not a wallet, does not store digital assets, and does not execute transactions.

1.3. To interact with decentralized services, users may connect OPINDEX Wallet. Such wallet is separate product and is governed by their own terms of use.

1.4. OPINCUR App is not a financial service, investment platform, payment intermediary, exchange, broker, or custodial service.

2. Application Functionality

2.1. OPINCUR App provides users with access to:

• information about the OPINCUR ecosystem;
• news, updates, and announcements;
• content and community features;
• links to external Web3 services, websites, and applications.

2.2. All actions performed by the user via external links or third-party services occur outside of OPINCUR App and are not controlled by the Application's developers.

3. Wallets, Assets, and Security

3.1. OPINCUR App does not store or process:

• private keys;
• seed phrases;
• passwords;
• digital assets.

3.2. The Application has no access to user funds and cannot initiate or reverse transactions.

3.3. Responsibility for the security of wallets, seed phrases, and funds lies entirely with the user and/or the third-party wallets they choose to use.

4. No Financial or Investment Advice

4.1. All information provided within OPINCUR App is for informational and educational purposes only.

4.2. The content of the Application does not constitute:

• investment advice;
• financial, tax, or legal advice;
• an offer to buy, sell, or otherwise use digital assets.

5. Digital Rewards and Future Features

5.1. Within the Application, users may receive internal digital rewards for participating in activities, including interacting with content or viewing advertising materials.

5.2. Such rewards:

• are provided free of charge;
• are promotional and non-financial in nature;
• do not constitute a payment method, security, or obligation.

5.3. Use of the Application does not create any obligation to provide tokens, guarantee token listing, or ensure any market value.

5.4. Any future features involving blockchain technology or digital tokens may be implemented separately and under terms published additionally.

6. Advertising and Third-Party Content

6.1. OPINCUR App may display advertisements and content from third parties.

6.2. OPINCUR is not responsible for:

• the content of advertisements;
• the actions or products of third parties;
• any consequences arising from user interaction with such materials.

7. Limitation of Liability

7.1. The Application is provided "as is", without warranties of any kind.

7.2. OPINCUR shall not be liable for:

• interruptions or technical issues in the Application;
• changes to or removal of features;
• losses resulting from the use of third-party services;
• user expectations not explicitly stated in this Agreement.

7.3. Use of the Application is at the user's own risk.

8. Age Restrictions

8.1. The user confirms that they have reached the legal age required by the laws of their country to use such applications.

9. Changes to the Agreement

9.1. OPINCUR reserves the right to modify this Agreement at any time.

9.2. Continued use of the Application constitutes acceptance of the current version of the Agreement.

10. Contact Information

For any questions related to the use of the Application, users may contact OPINCUR through official communication channels.

Conclusion

OPINCUR App is a community hub and informational platform, not a financial or investment product.

By using the Application, the user acknowledges that they are participating in the development of a digital ecosystem of the future.

OPINCUR. TOMORROW, TOGETHER.