FameEX Earn Service Agreement

FameEX Earn Service Agreement 

Important Notice

This Agreement is a supplemental agreement to the FameEX Terms of Service and applies specifically to FameEX Earn products. Before subscribing to any Earn product, please read this Agreement, the applicable Product Rules, the Risk Disclosure, and the FameEX Privacy Policy in full. In particular, please carefully review the provisions highlighted in bold regarding asset usage, yield calculation, redemption restrictions, risk allocation, service suspension, limitation of liability, and dispute resolution. 

FameEX Earn products are not bank deposits and are not protected by any statutory deposit insurance or investor compensation scheme, except to the extent that such protection is mandatorily provided under applicable law. Digital assets and related yield-generating products involve various risks, including market price risk, credit risk, liquidity risk, custody risk, technical risk, third-party risk, and regulatory risk. You may not be able to redeem your assets within the expected timeframe and may lose part or all of your subscribed assets and any accrued returns. Whether the annualized yield is fixed or floating, it does not guarantee that the fiat value of the underlying digital assets will remain unchanged. 

If you do not agree to this Agreement, or if you do not fully understand the relevant products and associated risks, please do not subscribe. By clicking "I have read and agree" and submitting your subscription request, you acknowledge that you have read, understood, and agreed to be bound by this Agreement and the Product Rules applicable to your subscription order. 

Article 1 Scope and Effectiveness of the Agreement

1.1 This Agreement applies to the flexible-term Earn products, fixed-term Earn products, and other digital asset earning services specified in the applicable Product Rules provided by the FameEX Platform (collectively, the "Earn Service").

1.2 This Agreement, together with the FameEX Terms of Service, the FameEX Privacy Policy, the subscription confirmation page for the applicable product, the relevant Product Rules, the applicable Risk Disclosure, and any lawfully published announcements issued by the Platform, constitutes the entire agreement between you and FameEX governing the Earn Service.

1.3 In the event of any inconsistency among the relevant documents, the following order of precedence shall apply with respect to the relevant Earn product:

(1) The commercial product parameters and order snapshot confirmed by you at the time of subscription;

(2) This Agreement;

(3) The FameEX Terms of Service;

(4) Any other general rules or announcements.

1.4 The Platform shall electronically record the version of the Agreement applicable at the time of your subscription, the applicable product parameters, the order status, and the confirmation results. You may access the relevant key records through the product order page. Nothing in this order of precedence shall override any mandatory rights or protections available to you under applicable law.

Article 2 Definitions

2.1 "FameEX" or the "Platform" means the FameEX entity identified in the FameEX Terms of Service as the entity contracting with you and providing the relevant Earn Service from the FameEX website, mobile application, mobile web pages, and other authorized interfaces. 

2.2 "Digital Assets" means digital representations of value or rights that are supported by the Platform, specified in the applicable Product Rules, and capable of being transferred and stored through distributed ledger technology or similar technologies.

2.3 "Subscribed Assets" means the Digital Assets that you transfer to an Earn product in accordance with the applicable Product Rules.

2.4 "Flexible-Term Product" means a product that generally allows users to subscribe to or redeem the product within the time periods and limits specified in the applicable Product Rules, and for which the applicable annualized rate may be adjusted based on market conditions and product circumstances.

2.5 "Fixed-Term Product" means a product under which the Subscribed Assets are locked for the agreed term and settled on the maturity date or, where permitted under the applicable Product Rules, upon an approved early redemption date.

2.6 "Product Rules" means the specific commercial terms displayed on the product page or subscription confirmation page, including, without limitation, the product name, supported digital asset, product type, term, subscription limit, minimum subscription amount, subscription deadline, interest commencement time, annualized rate, interest calculation method, interest distribution method, reinvestment rules, redemption rules, settlement time, applicable fees, asset utilization method, and special risk disclosures.

2.7 "Fixed Annualized Rate" means the fixed annualized rate used to calculate the returns of the relevant Fixed-Term Product under normal operating conditions. A fixed rate does not mean that the principal is guaranteed or protected against loss.

2.8 "Estimated Floating Annualized Rate" means the estimated annualized rate that may be adjusted based on market interest rates, funding demand, underlying returns, third-party returns, on-chain protocol parameters, or other product-related factors.

2.9 "Third-Party Service Provider" means any external institution, protocol, validator node, custodian, payment service provider, clearing institution, or other service provider participating in asset custody, account management, lending, staking, validation, on-chain protocol execution, payment, clearing, or other related processing.

2.10 "Actual Asset Loss" means any loss whereby all or part of the relevant Subscribed Assets has become irrecoverable, as evidenced by third-party records, on-chain data, custody or banking records, actual settlement results, audit materials, or other verifiable evidence.

2.11 "Material Risk Event" means any event including, without limitation, third-party default, fraud, bankruptcy, asset freeze, insufficient liquidity, stablecoin depegging, on-chain protocol malfunction, smart contract vulnerabilities, cyberattacks, security incidents, regulatory or judicial actions, or any other event that has materially affected or may materially affect the Subscribed Assets, return calculation, redemption, or the Platform's normal provision of the Earn Service.

2.12 "T Day" means a calendar day calculated based on the UTC+8 time zone, unless otherwise expressly provided in the applicable Product Rules.

Article 3 User Eligibility 

3.1 At the time you subscribe to any Earn Product, and throughout your use of the Earn Service, you must continuously satisfy the following eligibility requirements:

(1) If you are an individual, you must be at least eighteen (18) years of age and possess full legal capacity to enter into binding contracts as required under applicable law. If you are acting on behalf of an entity, such entity must be duly organized and validly existing, and the person submitting the instruction must be duly authorized to act on its behalf.

(2) You must have registered and maintained a valid FameEX account and completed the identity verification, address verification, source of funds verification, and any other Know Your Customer (KYC) or Know Your Business (KYB) procedures required by the Platform.

(3) You must not be a sanctioned person, nor may you be located in or ordinarily reside in any jurisdiction where FameEX restricts or prohibits the provision of the relevant Earn Products.

(4) The Subscribed Assets must be lawfully owned by you, derived from lawful sources, and free from any undisclosed pledge, nominee arrangement, lien, encumbrance, or other third-party rights.

(5) Your use of the Earn Service must not violate any applicable laws, regulatory requirements, contractual obligations, or tax obligations applicable to you.

(6) You have independently determined, based on your own financial condition, knowledge and experience, investment objectives, and risk tolerance, that the relevant Earn Product is suitable for you.

3.2 The Platform may, at any time, review your eligibility as required by applicable laws, regulatory requirements, or risk management considerations, and may request that you provide additional information or documentation. If you no longer satisfy the applicable eligibility requirements, the Platform may suspend your ability to make new subscriptions, suspend related operations, require you to redeem your holdings, or impose account restrictions as permitted or required by applicable law.

Article 4 Services and Use of Assets 

4.1 Upon your submission of a subscription request, you authorize the Platform to deduct the Subscribed Assets from your designated account in accordance with the applicable Product Rules, create the corresponding Earn order, and, for the purpose of operating the relevant product, aggregate, transfer, hold, lend, stake, conduct on-chain operations with, or otherwise arrange for the Subscribed Assets to be processed by Third-Party Service Providers. 

4.2 The Subscribed Assets may be used for digital asset lending, margin funding requirements, Proof-of-Stake (PoS) staking, validator services, on-chain protocols, third-party yield arrangements, or any other purposes specified in the applicable Product Rules.

4.3 Unless the applicable Product Rules expressly provide for asset segregation on a per-order basis, the Subscribed Assets may be pooled and managed together with Digital Assets of the same type contributed by other users. The Platform shall distinguish each user's principal, returns, subscriptions, redemptions, and related adjustments through its internal accounting records.

4.4 FameEX provides subscription processing, asset transfers, return calculation, account recordkeeping, redemption processing, and related technical services for the Earn Products. The Subscribed Assets may, in accordance with the applicable Product Rules, be aggregated, lent, staked, utilized in on-chain protocol operations, used for validator services, or entrusted to Third-Party Service Providers for processing.

4.5 Unless expressly provided otherwise in the applicable Product Rules, FameEX does not act as your trustee, fiduciary, investment adviser, or financial adviser by providing the foregoing services, and does not guarantee the outcome of any underlying transactions, the performance of any Third-Party Service Provider, or the fiat value of any Digital Asset.

Article 5 Subscription

5.1 A subscription order shall be deemed established when you submit a subscription instruction, the Platform successfully deducts the relevant Subscribed Assets, and the order status on the order page is displayed as "Subscribed." Interest shall commence in accordance with the applicable Product Rules.

Routine internal processing delays or delays in deployment by Third-Party Service Providers shall not affect the commencement of interest accrual for an established order in accordance with the applicable Product Rules. However, in the event of a Material Risk Event or Actual Asset Loss, the Platform reserves the right to suspend interest accrual, delay redemption, terminate or modify the relevant product, and settle the product based on the applicable Product Rules, the actual settlement results, and any recoverable assets.

If the relevant assets have been deducted but the order is not displayed as "Subscribed," the Platform shall return the deducted assets within the normal processing period specified in the applicable Product Rules, unless otherwise required by applicable laws, regulatory requirements, judicial orders, sanctions, security reviews, or account restrictions.

5.2 A product may impose a minimum or maximum subscription amount, a maximum holding limit per user, an overall product subscription cap, user eligibility requirements, subscription periods, and supported Digital Asset restrictions. For the purpose of calculating applicable limits, the Platform may aggregate the holdings and subscription amounts of a user's primary account, sub-accounts, and any other accounts that the Platform reasonably determines to be under the common beneficial ownership or control of the same person.

5.3 Prior to subscription, the Platform shall disclose, through the product page or the subscription confirmation page, the product type, supported Digital Asset, subscription amount, term, interest commencement time, applicable annualized rate, interest calculation method, interest distribution method, whether automatic reinvestment applies, redemption rules, estimated settlement time, applicable fees, asset utilization method, and the principal risks associated with the product.

5.4 Upon a successful subscription, you may not unilaterally revoke or cancel the subscription unless otherwise expressly permitted by applicable law, the applicable Product Rules, or the Platform. This restriction shall not apply to duplicate deductions, excess deductions, or manifest system errors caused by the Platform.

Article 6 Interest Accrual and Distribution of Returns 

6.1 Unless otherwise specified in the applicable Product Rules, returns shall be calculated and distributed in the same Digital Asset used for the subscription. The annualized rate is provided solely as a basis for calculating returns and does not represent the actual rate of return for the holding period or any fiat-denominated rate of return.

6.2 Unless otherwise expressly provided in the applicable Product Rules, daily returns shall be calculated using the following formula:

Daily Return = Eligible Principal × Applicable Annualized Rate ÷ 365 

Where a product adopts hourly interest accrual, a 360-day annual basis, or any other calculation method, the applicable Product Rules shall prevail.

6.3 Where a product adopts a tiered annualized rate structure, returns shall be calculated in accordance with the applicable Product Rules. The Product Rules shall specify whether returns are calculated on a progressive tier basis or by applying a single rate to the entire principal amount based on the applicable tier. In the event of any inconsistency between the written calculation formula displayed on the product page and any return simulation, the written calculation formula recorded in the applicable order snapshot shall prevail.

6.4 For Flexible-Term Products, interest shall commence at the interest commencement time specified in the applicable Product Rules. The Estimated Floating Annualized Rate may be adjusted at any time based on market interest rates, funding demand, underlying returns, third-party returns, on-chain protocol parameters, or other product-related factors.

Any such adjustment shall apply only to future interest accrual periods after the adjustment becomes effective and shall not retroactively affect returns that have already been settled. The Platform may notify users of changes to the applicable annualized rate through the product page, internal messages, application notifications, announcements, or other reasonable means. Where immediate adjustment is necessary due to significant market volatility, immediate changes by Third-Party Service Providers, modifications to on-chain protocols, or security incidents, the Platform may implement such adjustment immediately and provide supplementary notice within a commercially reasonable time where practicable.

6.5 For Fixed-Term Products, returns shall accrue based on the Fixed Annualized Rate  confirmed when the order is established or in accordance with the floating calculation mechanism specified in the applicable Product Rules. Notwithstanding the foregoing, the provisions of this Agreement relating to Material Risk Events, Actual Asset Loss, suspension of interest accrual, and product modifications shall continue to apply.

6.6 The settlement frequency and the account to which returns from Flexible-Term Products are credited shall be determined in accordance with the applicable Product Rules. Unless otherwise specified in the Product Rules, returns shall be settled daily and credited to your Spot account. Returns from Fixed-Term Products shall, as a general rule, be settled together with the principal upon maturity. Whether returns are automatically reinvested shall be determined by your settings and the applicable Product Rules.

6.7 The Platform may round down or round to the nearest applicable decimal place in accordance with the precision requirements of the relevant Digital Asset and product. Returns below the minimum distributable unit may be accumulated until the minimum distributable threshold is reached or paid together with the redemption proceeds.

6.8 The Fixed Annualized Rate is solely a parameter used to calculate returns under normal operating conditions and does not constitute any guarantee of fiat value, deposit protection, or any unconditional guarantee of principal.

In the absence of a Material Risk Event or Actual Asset Loss, returns shall be calculated based on the Fixed Annualized Rate recorded in the applicable order snapshot. If any third-party default, bankruptcy, asset freeze, liquidity shortage, stablecoin depegging, on-chain loss, security incident, or any other Actual Asset Loss occurs, the Platform may adjust the amounts payable as principal and returns based on the applicable Product Rules, third-party records, actual settlement results, and any recoverable assets.

6.9 Historical returns, estimated returns, return simulations, promotional incentives, or subsidy programs are provided for reference only and do not represent or guarantee future performance.

Article 7 Redemption, Early Redemption, and Maturity 

7.1 Flexible-Term Products generally permit users to submit redemption requests during the redemption periods made available by the Platform. The estimated settlement time specified in the applicable Product Rules represents the expected processing time under normal market conditions, network conditions, and Third-Party Service Provider processing conditions, and does not constitute an unconditional guarantee of settlement within such time under all circumstances.

Where the estimated settlement time is exceeded due to network congestion, delays in third-party clearing, insufficient liquidity, security reviews, system maintenance, regulatory requirements, or a Material Risk Event, the Platform may defer processing the redemption request and shall, where reasonably practicable, provide information regarding the reason for the delay and the processing status.

7.2 Where redemption requests cannot be processed in a timely manner due to concentrated redemption activity, third-party liquidity constraints, network congestion, system maintenance, compliance reviews, or a Material Risk Event, the Platform may process redemption requests by queuing, batching, or applying pro rata allocation based on submission time, product size, asset availability, risk management considerations, or other reasonable factors.

7.3 Where a redemption is delayed solely due to the Platform's systems or ordinary operational processing, and no Material Risk Event or Actual Asset Loss has occurred, the Platform may continue to accrue interest for a limited period in accordance with the applicable Product Rules.

Unless otherwise expressly provided in the applicable Product Rules, such continued interest accrual shall not exceed fourteen (14) calendar days. Upon expiration of such period, the Platform may suspend any further accrual of returns.

Where a delay results from insufficient third-party liquidity, asset freezes, security incidents, blockchain network disruptions, protocol failures, or other on-chain anomalies, regulatory requirements, or any other Material Risk Event, the Platform may suspend interest accrual from the date on which the relevant risk event occurs or is confirmed and subsequently settle the relevant product based on the recoverable assets actually available.

7.4 Fixed-Term Products are, in principle, not eligible for early redemption. Where early redemption is expressly permitted under the applicable Product Rules, the amount ultimately recoverable by the user shall be calculated after taking into account the following:

(1) The original subscribed principal;

(2) Any returns that must be forfeited or refunded due to the failure to satisfy the applicable holding requirements;

(3) Any applicable early redemption fees, liquidated damages, and actual third-party charges or network fees incurred; and

(4) Any other reasonable costs disclosed in advance in the applicable Product Rules.

The Platform may deduct the foregoing amounts from the redemption proceeds payable in respect of the relevant order on a priority basis. Unless otherwise expressly provided in the applicable Product Rules, the Platform shall not deduct assets from any of the user's unrelated orders.

7.5 Upon the maturity of a Fixed-Term Product, the Platform shall credit the principal and returns available for settlement to the user's account in accordance with the applicable Product Rules. Automatic renewal shall occur only where the user has affirmatively elected automatic renewal and, at the time of renewal, continues to satisfy the applicable eligibility requirements, subscription limits, and product availability conditions.

Article 8 Auto Subscribe and Auto Renewal

8.1 The Auto Subscribe and Auto Renewal features shall be available only where you have affirmatively enabled the relevant function. The Platform shall disclose the funding account, execution frequency, applicable products, and the method for disabling the relevant feature.

8.2 An Auto Subscribe instruction shall be executed only if, at the time of execution, sufficient funds are available in the designated account, the applicable subscription limits remain available, you continue to satisfy the applicable eligibility requirements, and the relevant product remains open for subscription. Failure to execute an Auto Subscribe instruction shall not render the Platform liable for any anticipated or expected returns.

8.3 Upon your disabling the relevant feature, no further Auto Subscribe or Auto Renewal instructions shall be generated or executed. Any subscription orders that have already become effective shall continue to be governed by the applicable Product Rules in effect at the time such orders were established.

Article 9 Fees and Taxes 

9.1 The Platform may charge service fees, performance fees, early redemption fees, liquidated damages, network fees, third-party charges, or other reasonable fees, provided that such fees have been disclosed in advance in the applicable Product Rules.

9.2 Where the returns displayed on the product page are presented after deduction of applicable fees, such returns shall be identified as net returns. Where the displayed returns are presented before deduction of applicable fees, the Platform may deduct the relevant fees in accordance with the applicable Product Rules.

9.3 You are solely responsible for determining, reporting, and paying any taxes arising from or in connection with your use of the Earn Service. The Platform may withhold taxes, make required reports, or provide information to the relevant tax authorities as required by applicable law.

Article 10 Service Modification, Suspension, and Termination 

10.1 The Platform may restrict subscriptions, adjust subscription limits, suspend interest accrual or payments, delay redemptions, require mandatory redemption, freeze relevant assets, or modify or terminate a product for any of the following reasons:

(1) Compliance with applicable laws, regulatory requirements, judicial orders, sanctions, or anti-money laundering obligations;

(2) A security incident affecting the Platform, network, smart contracts, custodians, or Third-Party Service Providers;

(3) Severe market liquidity shortages, concentrated redemption requests, stablecoin depegging, or abnormalities affecting the underlying assets;

(4) System maintenance, system failures, communication interruptions, or data abnormalities;

(5) A Third-Party Service Provider defaults, suspends or terminates its services, enters bankruptcy, becomes subject to investigation, or loses any required qualification or authorization;

(6) The continued operation of the product may pose a material risk to users, the Platform, or market integrity; or

(7) The Platform reasonably suspects that you have engaged in money laundering, terrorist financing, sanctions evasion, fraud, account compromise, malicious exploitation of system vulnerabilities, multi-account arbitrage, market manipulation, or any other material violation.

10.2 In the circumstances described in Section 10.1(7), the Platform may immediately take one or more of the following measures without prior notice or any opportunity to cure:

(1) suspend subscriptions or redemptions;

(2) restrict or freeze your account;

(3) suspend the calculation or payment of returns;

(4) reverse or withhold any returns that were unlawfully or improperly obtained and have not been finally settled;

(5) require you to provide additional information or cooperate with an investigation; or

(6) take any other measures as required by applicable law or reasonably necessary for risk management purposes.

For ordinary breaches that are capable of remedy, the Platform may, at its sole discretion and where appropriate, grant a reasonable period to cure such breach.

10.3 The Platform may terminate or modify a product prior to its scheduled maturity due to business adjustments, product discontinuation, changes in funding requirements, termination of third-party services, insufficient liquidity, technical reasons, security incidents, regulatory requirements, or any other reasonable cause.

Where no Actual Asset Loss has occurred, the Platform shall return the available principal, and returns shall accrue through the interest accrual end date announced by the Platform. Where a Material Risk Event or Actual Asset Loss has occurred, settlement shall be conducted based on the recoverable assets actually available, third-party records, actual settlement results, and the applicable Product Rules.

Unless otherwise expressly provided in the applicable Product Rules, early termination of a product shall not entitle you to any anticipated returns for the remaining term, compensation for loss of opportunity, or any additional compensation.

10.4 To the extent permitted by applicable law and provided that doing so would not increase the relevant risks, the Platform shall notify users of the general circumstances of any material event and the corresponding handling arrangements through internal messages, email, application notifications, announcements, or the relevant product page.

Article 11 Third-Party Service Providers and Underlying Risks 

11.1 The Platform may engage, replace, or otherwise change Third-Party Service Providers as required for the operation of its products and services. Such Third-Party Service Providers may be located in different countries or jurisdictions and may be subject to different legal, regulatory, and operational requirements.

11.2 The applicable Product Rules or relevant Risk Disclosures may describe the categories of Third-Party Service Providers, the principal methods of asset utilization, redemption mechanisms, and the principal risks associated with the relevant product. Where disclosure is restricted by applicable laws, regulatory requirements, contractual confidentiality obligations, or security considerations, the Platform may be unable to disclose the identity of a Third-Party Service Provider or provide complete information regarding such provider.

11.3 The Platform may replace, suspend, or terminate arrangements with any Third-Party Service Provider due to business needs, security considerations, compliance requirements, liquidity conditions, or changes affecting such Third-Party Service Provider. Any resulting modification or termination of the relevant product shall be handled in accordance with Articles 10 and 18 of this Agreement.

11.4 You acknowledge and agree that any default, fraud, bankruptcy, asset freeze, liquidity shortage, cyberattack, smart contract vulnerability, on-chain penalty, stablecoin depegging, or any other event affecting a Third-Party Service Provider or the underlying assets may result in reduced returns, delayed redemption, or loss of principal.

Unless the applicable Product Rules expressly provide that the Platform will offer compensation up to a specified limit, any Actual Asset Loss arising from a Third-Party Service Provider or the underlying assets shall, as a general rule, be borne by the users participating in the relevant product.

Where any loss occurs, the Platform may determine the amount ultimately distributable to each affected user based on third-party records, on-chain data, actual settlement results, and recoverable assets. Any assets recovered thereafter shall, after deduction of reasonable recovery, legal, network, custody, and disposal costs, be distributed among the affected users in proportion to their respective account interests in the relevant product.

Nothing in this Agreement shall exclude or limit the Platform's liability where the relevant loss is directly caused by the Platform's willful misconduct, gross negligence, or unauthorized misappropriation of assets, to the extent such liability cannot be excluded under applicable law.

Article 12 User Representations and Obligations 

12.1 You represent and warrant that all information provided to the Platform is true, accurate, complete, and kept up to date. You shall safeguard your account credentials, password, and any multi-factor authentication devices or credentials associated with your account.

12.2 You shall not use the Earn Service for money laundering, terrorist financing, sanctions evasion, fraud, theft, market manipulation, multi-account arbitrage, exploitation of system vulnerabilities, or any other unlawful or prohibited activity.

12.3 Before submitting any subscription, redemption, or Auto Subscribe instruction, you are responsible for verifying the applicable Digital Asset, subscription amount, term, account details, and applicable fees. You shall be responsible for all instructions submitted through your account, except where the Platform reasonably determines that the relevant operation was unauthorized.

12.4 You shall promptly review account notifications, product status updates, and amendments to this Agreement, and shall immediately notify the Platform upon discovering any abnormal account records, duplicate deductions, unauthorized operations, or security incidents.

Article 13 Risk Disclosure 

13.1 You acknowledge and accept that the Earn Service involve risks including, but not limited to, the following:

(1) Market Risk: The market value of the Subscribed Assets and any assets distributed as returns may fluctuate significantly or become worthless.

(2) Stablecoin Risk: Stablecoins may become depegged, have redemptions suspended, be frozen by the issuer, or lose the reserve backing supporting their value.

(3) Credit Risk: The Platform, borrowers, Third-Party Service Providers, custodians, or other counterparties may default on their obligations or become insolvent.

(4) Liquidity Risk: Concentrated redemption requests or lock-up of underlying assets may result in queuing, delays, partial redemption, or an inability to redeem assets in full.

(5) Technology Risk: Systems, networks, smart contracts, validator nodes, oracles, private keys, or communication infrastructure may malfunction, be compromised, or be exploited.

(6) Staking Risk: Validator penalties, slashing events, unbonding periods, on-chain governance decisions, or changes to protocol parameters may result in losses or delays.

(7) Custody and Asset Pooling Risk: Assets may be pooled with those of other users or entrusted to Third-Party Service Providers for processing and may not be immediately recoverable in the event of insolvency, asset freezes, or similar events.

(8) Regulatory and Tax Risk: Changes in applicable laws, regulations, sanctions, or tax rules may restrict the availability of products, freeze assets, or affect returns.

(9) Operational Risk: Delays or errors may arise from data processing, asset transfers, accounting processes, or discrepancies in third-party records.

(10) Force Majeure Risk: Wars, natural disasters, governmental actions, communication failures, power outages, or other force majeure events may adversely affect the availability or operation of the Earn Service.

13.2 The foregoing Risk Disclosure is not intended to be exhaustive and does not identify all risks associated with the Earn Service. You should subscribe only with assets that you can afford to lose and, where appropriate, obtain independent legal, tax, financial, or other professional advice before using the Earn Service.

Article 14 Records, Disputes, and Error Correction 

14.1 The Platform's system records, order snapshots, accounting records, third-party statements, and on-chain records shall constitute primary evidence, unless shown to be manifestly incorrect or inconsistent with other reliable evidence. 

If you dispute any ordinary accounting record, return calculation, or asset transfer, you must submit your claim within thirty (30) calendar days from the date of the relevant transaction or distribution of returns and provide reasonable supporting evidence. If you fail to raise an objection within such period, the relevant records shall be deemed confirmed by you, except in cases involving unauthorized transactions, willful concealment by the Platform, or any rights that cannot be limited under applicable law.

The Platform may, taking into account the complexity of the matter, provide the results of its investigation or an update on the handling progress within a reasonable period.

14.2 Where any discrepancy exists between the Platform's records and the records of a Third-Party Service Provider, the Platform may review the relevant orders, asset transfers, interest calculations, fees, redemptions, and settlement records, and make appropriate adjustments based on the results of such review.

14.3 Where any overpayment or underpayment results from an obvious calculation error, duplicate credit, system error, or correction of third-party data, the Platform may correct the relevant records based on the available evidence and shall, where reasonably practicable, provide you with an explanation of such correction.

Article 15 Data and Privacy 

15.1 The Platform shall collect, use, process, store, and otherwise handle your identity, account, transaction, financial, device, communication, and compliance information as necessary to provide the Earn Service, in accordance with the FameEX Privacy Policy and applicable law.

15.2 To the extent necessary for identity verification, asset processing, third-party services, interest calculation, redemption processing, reconciliation, auditing, tax compliance, or the fulfillment of regulatory obligations, the Platform may disclose relevant information to its affiliates and Third-Party Service Providers.

15.3 Where cross-border transfers of personal information are involved, or where personal information is to be processed for any new purpose, the Platform shall comply with the applicable legal and regulatory requirements governing such processing.

Article 16 Limitation of Liability 

16.1 To the fullest extent permitted by applicable law, the Platform shall not be liable for any indirect, incidental, special, punitive, exemplary, or consequential damages, including any loss of anticipated returns, trading opportunities, price appreciation, business profits, goodwill, reputation, or data.

16.2 The Platform shall not be liable for any events or circumstances beyond its reasonable control, including those arising from networks, blockchain protocols, market conditions, regulatory or judicial actions, Third-Party Service Providers, or force majeure events.

16.3 Nothing in this Agreement shall exclude or limit the Platform's liability for fraud, willful misconduct, gross negligence, unauthorized misappropriation of user assets, or any other liability that cannot be excluded or limited under applicable law.

16.4 Except in the circumstances set out in Section 16.3, the Platform's aggregate liability for direct damages arising out of or in connection with any single event shall not exceed the Account Equity Value of the affected order at the time the relevant event occurred. The Account Equity Value shall be determined based on the Platform's records relating to the relevant assets and the reasonable valuation methodology adopted by the Platform at the time of the relevant event.

16.5 You shall not be entitled to recover compensation more than once in respect of the same event or the same loss.

Article 17 Indemnification 

If, as a result of your intentional misconduct or negligence, your breach of this Agreement, your unlawful use of the Earn Service, your infringement of any third-party rights, or your provision of false or misleading information, the Platform, its affiliates, employees, or service providers becomes subject to any third-party claim, suffers any loss, or incurs any reasonable costs or expenses that are recoverable from you under applicable law, you shall indemnify and hold them harmless to the extent proportionate to your fault and the causal relationship between your conduct and the resulting damage.

You shall not be responsible for any loss or liability arising from the fault of the Platform, its affiliates, or its service providers, nor for any regulatory fines or penalties that may not be transferred under applicable law. The Platform shall not be entitled to recover compensation more than once in respect of the same loss.

Article 18 Amendments to this Agreement and the Product Rules 

18.1 The Platform may amend this Agreement and the applicable Product Rules as required by applicable laws, regulatory requirements, security considerations, technological developments, product enhancements, changes to third-party services, or business needs.

As a general rule, users will be notified of any material adverse amendments at least seven (7) days in advance through internal messages, email, application notifications, or Platform announcements. Where immediate effectiveness is required due to legal requirements, material security incidents, third-party defaults, liquidity risks, on-chain abnormalities, or other emergency circumstances, the Platform may implement the relevant amendments immediately and provide supplementary notice as soon as reasonably practicable thereafter.

18.2 As a general rule, amendments shall apply only to new subscriptions made after the effective date of the amendments and to future interest accrual periods for Flexible-Term Products. However, amendments relating to security, compliance, third-party risks, redemption procedures, suspension of interest accrual, or asset disposal may, to the extent reasonably necessary, apply to existing orders that have not yet been fully settled.

18.3 If you do not agree to any amendment, you may refrain from making any new subscriptions and may apply for redemption in accordance with the Product Rules then in effect. Fixed-Term Products and products affected by a Material Risk Event shall remain subject to the applicable lock-up periods, suspensions, delays, and risk management procedures governing such products.

Article 19 Termination of this Agreement and Remaining Assets 

19.1 Your discontinuation of the Earn Service shall not affect any subscription orders that have already been established and have not yet matured or been fully redeemed. This Agreement shall continue to apply to such orders until the relevant settlement has been completed.

19.2 Where the Platform terminates the provision of the Earn Service to you, it shall settle the available principal and returns to the extent permitted by applicable laws, regulatory requirements, and risk management considerations. Where judicial freezes, compliance investigations, third-party losses, Material Risk Events, or outstanding fees or charges exist, the Platform may defer or adjust the relevant settlement accordingly.

19.3 If the Platform permanently discontinues the Earn Service, it may announce the arrangements for the suspension of new subscriptions, cessation of interest accrual, redemption procedures, and the handling of any remaining assets through a public announcement or other appropriate notice.

Article 20 Notices, Customer Support, and Complaints

20.1 The Platform may provide notices through internal messages, email, SMS, application notifications, the relevant product page, or the Platform's announcement center. Any such notice shall be deemed delivered upon dispatch or publication in accordance with the FameEX Terms of Service and applicable law.

20.2 You may submit inquiries or complaints through FameEX online customer support or the customer service email address published by the Platform. As a general rule, the Platform will acknowledge receipt within one (1) Business Day and will use commercially reasonable efforts to provide a substantive response within fifteen (15) Business Days. More complex matters may require additional time, in which case the Platform will, where reasonably practicable, provide updates on the handling progress.

20.3 A complaint should include your UID, the relevant product name and order number, the date and time of the relevant event, the amount in dispute, a description of the issue, and any supporting evidence. The Platform will never request your account password or private keys through its customer support channels.

Article 21 Dispute Resolution 

21.1 If you have any dispute regarding the Earn Service, account records, or product settlement, you should first submit a complaint through the Platform's customer support channels and provide the relevant order information and supporting evidence.

21.2 The Platform shall investigate and handle the matter based on its system records, third-party information, on-chain records, and any other verifiable evidence.

21.3 If the dispute cannot be resolved through good faith negotiations, either party may submit the dispute to a court, arbitral tribunal, or other dispute resolution body having jurisdiction in accordance with the applicable law. Any valid dispute resolution provisions applicable to your account under the FameEX Terms of Service shall continue to govern any dispute arising out of or in connection with this Agreement.

21.4 This Article shall survive the termination or expiration of this Agreement.

Article 22 Miscellaneous 

22.1 You may not assign or transfer any of your rights or obligations under this Agreement without the Platform's prior written consent. The Platform may assign or transfer all or part of its rights and obligations under this Agreement to an affiliate or to any entity succeeding to the relevant business in connection with a corporate restructuring, merger, business transfer, or compliance-related operational arrangement, and shall provide notice in accordance with applicable law.

22.2 If any provision of this Agreement is held to be invalid, illegal, or unenforceable, such invalidity, illegality, or unenforceability shall not affect the validity or enforceability of the remaining provisions. The invalid, illegal, or unenforceable provision shall be enforced to the maximum extent permitted by applicable law.

22.3 The Platform's failure or delay in exercising any right or remedy under this Agreement shall not constitute a waiver of such right or remedy.

22.4 The Chinese version of this Agreement shall prevail. Any version in another language is provided for convenience only. Where applicable law requires another language version to prevail, such language version shall govern to the extent required by applicable law.

22.5 The headings in this Agreement are included for convenience only and shall not affect the interpretation of any provision of this Agreement.