MEMEFI — TERMS AND CONDITIONS OF USE

Last updated: May 2026 · Effective immediately upon publication

1. ACCEPTANCE OF TERMS

By accessing, registering, or using the Memefi platform (the "Platform"), including its website, mobile applications, smart contracts, APIs, and all related services and features (collectively, the "Services"), you ("User", "you", "your") agree to be legally bound by these Terms and Conditions of Use ("Terms"), together with our Privacy Policy, which is incorporated by reference. If you do not agree with any provision herein, you must immediately cease using the Platform.

These Terms constitute a binding agreement between you and Memefi (the "Company", "we", "us", "our"). Continued use of the Platform after publication of any update constitutes automatic acceptance of the modified Terms.

2. ELIGIBILITY AND RESTRICTED JURISDICTIONS

To use the Platform, you must:

• Be at least eighteen (18) years of age or the legal age of majority in your jurisdiction, whichever is greater;
• Have full legal capacity to enter into binding agreements;
• Not be a resident, citizen, or otherwise located in any Restricted Jurisdiction (defined below);
• Not be subject to economic sanctions, trade embargoes, or appear on any government watchlist (including OFAC, UN Security Council Sanctions, EU Consolidated List);
• Use the Platform only for lawful, personal, non-commercial purposes (unless explicitly authorized otherwise).

Restricted Jurisdictions: The Platform is not available to, and may not be used by, persons in the United States of America (and its territories), Iran, North Korea, Syria, Cuba, the Crimea region, Donetsk and Luhansk regions of Ukraine, or any other jurisdiction where access to the Services would violate local law or our compliance obligations. We reserve the right to update this list at our sole discretion. It is your sole responsibility to ensure your use of the Platform is permitted under the laws of your jurisdiction.

3. NO INVESTMENT ADVICE / NO SECURITIES OFFERING

Nothing on the Platform constitutes investment, financial, legal, tax, or any other professional advice. Information presented (including but not limited to yield rates, package descriptions, simulators, projections, dashboards, marketing materials, and engine displays) is provided for informational and operational purposes only and does not represent a recommendation or solicitation to buy, sell, or hold any asset.

The Services do not constitute an offer or solicitation of securities, investment contracts, derivatives, or regulated financial instruments under the laws of any jurisdiction. Memefi makes no representation that the Services qualify as, or are exempt from registration as, securities or financial products. Users are solely responsible for determining whether their use of the Platform complies with applicable laws in their jurisdiction.

You should consult independent qualified professionals (legal, tax, financial) before making any decision involving the Platform.

4. DEFINITIONS

• Platform: the Memefi system, accessible via website (memefi.online) and applications, including all digital yield services, games, network features, and associated functionality.
• Yield: the Platform's digital yield module in which the User allocates funds to a Package and receives daily proportional credits up to a defined cap.
• Package: an operational unit (e.g., Pepe, Doge, Shiba, Diamond) corresponding to a value range that determines the daily yield rate and total payout cap applicable to that allocation.
• Daily Yield: the configured daily percentage credited to the User's wallet for each active Package, subject to the maximum payout cap.
• Cap / Maximum Payout: the total cumulative amount a Package will pay out before being marked as completed ("Final Payout"), typically 200% of the entry value or as configured at the time of allocation.
• Wallet: the User's internal virtual ledger account on the Platform.
• Network Bonus / Unilevel: a referral commission system where Users may receive percentages on qualifying activity of direct and indirect referrals, subject to qualification rules and depth limits.
• PvP / Games: competitive features where Users compete with mechanics defined by the Platform.
• Engine / Bots: the operational and narrative framework presented by the Platform, including any automated processes, algorithms, marketing themes, and operational mechanisms used internally to manage yield distribution. References to "bots", "trading", "automated engines", or similar language are used as part of the Platform's narrative theme and operational identity. The Platform makes no representation that any specific external trading or arbitrage activity is performed on User funds, and Users should not assume the existence of any specific operational model beyond what is explicitly disclosed.
• Subscription Plan: the access level (Free, Basic, Pro, VIP, or as offered) which may grant additional features.

5. ACCOUNT REGISTRATION

You must register an account to use most features. You agree to:

• Provide accurate, current, and complete information and keep it updated;
• Maintain the confidentiality of your credentials and any two-factor authentication;
• Be solely responsible for all activity occurring under your account, including unauthorized access caused by your negligence;
• Notify us immediately of any suspected breach;
• Not create multiple accounts, share your account, or transfer it without prior written consent.

We reserve the right to suspend, restrict, or terminate any account at our sole discretion, including for violations, suspicious activity, regulatory requirements, or any reason we deem necessary.

6. KYC / AML / COMPLIANCE — RESERVATION OF RIGHTS

The Platform reserves the right, at its sole discretion and at any time, to require Users to complete identity verification ("KYC"), source-of-funds documentation, anti-money-laundering ("AML") checks, sanctions screening, or any other compliance verification, regardless of whether such verification was required at registration.

Failure or refusal to provide requested documentation, or providing fraudulent or misleading documentation, may result in:

• Suspension or termination of your account;
• Withholding, freezing, or forfeiture of funds in your Wallet;
• Cancellation of pending withdrawals;
• Disclosure to relevant authorities where required by law.

The Platform may apply enhanced due diligence to high-volume Users, suspicious patterns, or transactions of significant value.

7. DESCRIPTION OF SERVICES

7.1 Yield Module

The Yield module allows the User to allocate funds to a Package and receive daily yield credits over time, until the configured Maximum Payout cap is reached. Yield rates, cap percentages, package values, and timing are defined by the Platform and may be modified at any time, provided that modifications do not retroactively alter the configuration of Packages already active at the time of the change.

7.2 Yield Generation Disclaimer

The mechanism by which yield is generated and distributed is part of the Platform's internal operational and treasury model. The Platform employs narrative and thematic language ("engine", "bots", "trading", "automation") as part of its brand identity. Users should not interpret such language as a representation that specific external trading, arbitrage, or investment activities are conducted with User funds. The Platform's actual operational and treasury arrangements are proprietary and may be modified at any time without notice. Users should not rely on any specific operational model beyond what is explicitly stated in these Terms.

7.3 Network Bonus (Unilevel)

Users who refer new members may receive bonuses on qualifying activity of their direct and indirect referrals, subject to depth limits, qualifying volume requirements, and percentage rates defined by the Platform. Receiving bonuses is conditional on the referring User maintaining minimum activity criteria. Bonus structures may be modified at any time. The Platform expressly prohibits Users from making representations to prospective referrals regarding guaranteed income, fixed returns, or investment outcomes.

7.4 PvP Games

The Platform offers competitive games (Player vs Player) with rules, prizes, and mechanics defined by the Platform. Game outcomes are determined by mechanics that may include skill, chance, or both. Participation in games may be subject to additional terms posted in connection with each game.

7.5 Subscription Plans

Subscription Plans grant additional features (such as participation slots, access to specific tiers, or other benefits). Subscriptions have defined validity periods. Upon expiration, the User automatically returns to the free tier. Active allocations at the time of plan expiration continue under the rules in effect at the time of acquisition.

7.6 Native Token (Future)

The Platform may, in the future, develop or launch a native digital token. The terms, conditions, utility, and regulations of such token will be communicated separately when applicable. Nothing in these Terms or on the Platform constitutes a promise, guarantee, or offer of any future token.

8. WALLET, DEPOSITS, WITHDRAWALS, AND TRANSFERS

8.1 Deposits

Deposits are made through available payment methods, including third-party gateways and cryptocurrency networks (such as USDT BEP20). Deposited values are converted to the Platform's internal accounting unit (USD-equivalent) and credited to the User's Wallet after confirmation by the gateway and required network confirmations.

8.2 Withdrawals

Withdrawals are subject to a processing fee of five percent (5%) on the requested amount (or as displayed at the time of the request). The minimum withdrawal amount is USD 10.00. Withdrawals require administrative approval and may take up to forty-eight (48) hours, or longer in cases of compliance review, network congestion, or unusual volume.

The Platform reserves the right to:

• Request identity verification or source-of-funds documentation before processing any withdrawal;
• Postpone, decline, or partially process withdrawals at its sole discretion when there are reasonable indicators of fraud, abuse, regulatory concern, or technical limitation;
• Modify withdrawal fees, minimums, processing times, or methods at any time.

8.3 Internal Transfers

Transfers between Platform Users are permitted, subject to a minimum value of USD 0.50. Self-transfers between accounts of the same User are not permitted. Internal transfers carry no fee unless otherwise indicated.

8.4 Currency and Conversions

The Platform's internal accounting unit is USD-equivalent. Cryptocurrency deposits are converted at the rate determined by our pricing source at the time of confirmation. Local-currency deposits (e.g., PIX) are converted at the rate determined by the Platform at the time of confirmation. Conversion rates may include a spread.

9. FEES AND CHARGES

The Platform may apply the following fees, among others:

• Withdrawal processing fee (currently 5% of withdrawal amount);
• Package entry fees (where applicable, disclosed before confirmation);
• Network/gas fees for cryptocurrency transactions (passed through to the User);
• Gateway fees (where applicable);
• Subscription Plan fees.

All fees are disclosed before confirmation of the relevant action. The Platform may modify fees at any time with reasonable notice.

10. RISK ACKNOWLEDGEMENT

By using the Platform, you expressly acknowledge and accept that:

• Risk of Loss: Allocations to digital yield Packages, participation in games, and any other Platform activity involve significant risk, including the possibility of partial or total loss of allocated capital;
• No Guarantees: Yield rates, caps, and projections are operational targets, not contractual guarantees. Past performance does not predict future results;
• No Insurance: The Platform is not a regulated financial institution. Funds held are not insured by any government deposit insurance scheme;
• Operational Risk: Technical failures, security incidents, third-party gateway failures, blockchain disruptions, or regulatory actions may affect the availability, performance, or value of the Services;
• Market and Liquidity Risk: The value of cryptocurrency deposits and withdrawals may fluctuate. Liquidity may be limited at any given moment;
• Regulatory Risk: Cryptocurrency, digital yield products, and similar services are subject to evolving regulation worldwide. Future regulatory action could affect or terminate the Services;
• Discontinuation Risk: The Platform may cease operations, discontinue features, or suspend services at any time, including for reasons beyond its control;
• Counterparty Risk: You are exposed to the operational and financial integrity of the Platform itself and of third parties used by the Platform;
• Tax Risk: You are solely responsible for determining and complying with your tax obligations.

You should only allocate funds you can afford to lose entirely without compromising your basic financial needs or wellbeing.

11. NO GUARANTEES

The Platform is provided "as is" and "as available." To the maximum extent permitted by applicable law, Memefi makes no warranty, express or implied, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement;
• That the Platform will be uninterrupted, error-free, or secure;
• That any specific financial outcome will be achieved;
• That information displayed (including yields, projections, dashboards, and notifications) is accurate, complete, or timely;
• That third-party services (gateways, networks, blockchains) will function as expected.

12. DISCONTINUATION OF SERVICES

The Platform may, at its sole discretion and at any time, modify, suspend, or permanently discontinue any feature or the Platform as a whole, including for reasons of operational necessity, regulatory requirement, financial sustainability, or any other reason it deems appropriate.

In the event of discontinuation:

• The Platform will use commercially reasonable efforts to notify Users in advance and process pending withdrawals where feasible;
• Withdrawals during a winding-down period may be subject to additional verification, reduced amounts, scheduled processing, or proportional distribution depending on available resources;
• The Platform makes no guarantee that all Wallet balances will be recoverable in case of insolvency, regulatory shutdown, force majeure, or other discontinuation events.

You acknowledge this risk and accept that you have no claim against Memefi, its officers, directors, employees, or affiliates beyond the recoverable balance available at the time of discontinuation.

13. TAX RESPONSIBILITY

You are solely responsible for determining what taxes apply to your use of the Platform (including income, capital gains, value-added, or transaction taxes) and for reporting and paying such taxes to the relevant authorities. The Platform does not withhold taxes on your behalf and does not provide tax advice. You are responsible for keeping records of your transactions for tax purposes.

14. PROHIBITED CONDUCT

You agree not to:

• Use multiple accounts to circumvent limits or obtain undue advantages;
• Reverse engineer, hack, exploit vulnerabilities, or interfere with Platform operation;
• Use bots, scripts, or automation not explicitly authorized;
• Use the Platform for money laundering, terrorism financing, sanctions evasion, fraud, or any illegal activity;
• Make false, misleading, or deceptive representations to prospective Users (including guaranteed returns, fixed income promises, or characterizing Memefi as a regulated financial product);
• Violate intellectual property rights of the Platform or third parties;
• Harass, abuse, or threaten other Users or Platform staff;
• Provide false KYC information or use third-party identity;
• Engage in any activity that disrupts or impairs the Platform's operation, security, or reputation.

Violation may result in immediate suspension or permanent termination of your account, withholding or forfeiture of funds, disclosure to authorities, and legal action.

15. SUSPENSION AND TERMINATION

We may suspend, restrict, or terminate your access to the Platform, immediately and without prior notice, for any reason including but not limited to: violation of these Terms, suspected fraud, regulatory requirement, security concern, dormancy, or operational necessity. We may also terminate your account upon reasonable notice for any other reason at our sole discretion.

Upon termination, you remain liable for any obligations accrued before termination. Sections of these Terms that by their nature survive termination (including limitations of liability, indemnification, intellectual property, and dispute resolution) shall remain in effect.

16. INTELLECTUAL PROPERTY

All content, software, designs, trademarks, logos, text, graphics, animations, mascots, brand identity, game mechanics, algorithms, and operational models on the Memefi Platform are the exclusive property of Memefi or its licensors and are protected by intellectual property laws.

You receive a limited, non-exclusive, non-transferable, revocable license to use the Platform in accordance with these Terms. No intellectual property rights are transferred to you. Any unauthorized use, reproduction, or distribution is prohibited and may result in legal action.

17. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, in no event shall Memefi, its officers, directors, employees, agents, affiliates, licensors, or service providers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, loss of data, loss of business opportunity, loss of goodwill, or any other intangible loss, arising out of or related to your use of (or inability to use) the Platform, even if Memefi has been advised of the possibility of such damages.

To the maximum extent permitted by law, the aggregate liability of Memefi to any User for all claims arising out of or related to the Platform shall not exceed the lesser of (i) the total fees paid by the User to Memefi in the twelve (12) months preceding the claim, or (ii) USD 100.00.

This limitation applies regardless of the legal theory of liability (contract, tort, negligence, statute, or otherwise) and survives termination of these Terms.

Some jurisdictions do not allow exclusion or limitation of certain damages. In those jurisdictions, the limitations above apply to the maximum extent permitted by law.

18. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Memefi, its officers, directors, employees, agents, affiliates, and service providers from and against any claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of, or inability to use, the Platform;
• Your violation of these Terms;
• Your violation of any third-party right (including intellectual property, privacy, or contractual rights);
• Any false or misleading statement you make about Memefi to prospective Users;
• Any tax obligation arising from your activity;
• Any claim that your activity violates any applicable law.

19. MAINTENANCE, UPDATES, AND MODIFICATIONS

The Platform may perform scheduled or emergency maintenance resulting in temporary unavailability. Memefi reserves the right to modify, suspend, or discontinue any feature, including yield rates, caps, available Packages, fee schedules, and game mechanics, at any time without prior notice. Active timers and cycles in progress during maintenance may have deadlines adjusted as appropriate.

20. COMMUNICATIONS

You consent to receive communications from us via email, in-Platform notifications, or on-screen notices ("Warning system"). Such communications are an essential part of the Services. You may not opt out of operational and security-related communications, but may opt out of marketing communications where applicable.

21. PRIVACY

Your use of the Platform is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to the collection, use, and processing of your data as described in the Privacy Policy.

22. CHANGES TO TERMS

We reserve the right to modify these Terms at any time. Material changes will be notified through the Platform with reasonable advance notice. Continued use of the Services after changes take effect constitutes acceptance of the updated Terms. If you do not agree, you must cease using the Platform.

23. FORCE MAJEURE

Memefi shall not be liable for any failure or delay in performance caused by events beyond its reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, civil unrest, government action, regulatory shutdown, blockchain network failure, third-party service failure, cyberattack, pandemic, or labor disruption.

24. DISPUTE RESOLUTION AND ARBITRATION

24.1 Informal Resolution

If you have a dispute, you agree to first contact us at talkto@memefi.online and attempt in good faith to resolve the dispute informally. We will respond in a reasonable timeframe.

24.2 Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration, conducted by a single arbitrator under rules of an internationally recognized arbitration body (such as the ICC, LCIA, or the arbitration rules of the jurisdiction designated below). Arbitration shall be conducted in English.

24.3 Class Action Waiver

You agree that any dispute will be resolved on an individual basis only. You waive any right to participate in a class action, collective action, or representative proceeding. The arbitrator may not consolidate claims of multiple users.

24.4 Exceptions

Notwithstanding the above, either party may seek injunctive relief in a court of competent jurisdiction to protect intellectual property rights or prevent unauthorized use of the Platform.

25. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the Memefi operating entity is registered, without regard to conflict-of-law principles. Where mandatory consumer protection laws of the User's residence apply, those laws shall prevail to the extent of any conflict.

26. CONSUMER RIGHTS (BRAZILIAN USERS — CDC)

If you are a consumer resident in Brazil, the Brazilian Consumer Defense Code (Código de Defesa do Consumidor — Lei 8.078/1990) applies to your use of the Platform to the extent it cannot be derogated by contract. Provisions in these Terms that conflict with mandatory consumer protection rules will be interpreted to the maximum extent permitted by law and, where unenforceable, will be replaced by the closest enforceable provision.

27. SEVERABILITY AND GENERAL

• Entirety: These Terms, together with the Privacy Policy, constitute the entire agreement between you and Memefi regarding the Services.
• Severability: If any provision is found invalid or unenforceable, the remaining provisions remain in full force.
• Waiver: Failure to enforce any right does not constitute a waiver.
• Assignment: You may not assign your rights without our prior written consent. We may assign our rights freely.
• Headings: Section headings are for convenience and do not affect interpretation.
• Language: The English version of these Terms prevails in case of any conflict with translations.

28. CONTACT

For questions, complaints, or notices, contact us at:

• Email: talkto@memefi.online
• Website: https://memefi.online

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Memefi — Digital Yield Platform · Terms version: May 2026
By using the Platform, you confirm that you have read, understood, and agreed to these Terms in full.