TERMS AND CONDITIONS OF SERVICE

TERMS AND CONDITIONS OF SERVICE

Last Updated: April 2026

Project: Catalyst Finance (the "Protocol")

Model: Peer-to-Company (P2C) Liquidity Bridge

1. ACCEPTANCE OF TERMS

By accessing the Catalyst Finance dashboard, connecting a digital wallet, or depositing assets into the liquidity pool, you ("the Lender") acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. If you do not agree to these terms, you must cease all use of the Protocol immediately.

1. ELIGIBILITY AND COMPLIANCE

2.1. Age Requirement: You must be at least 16 years of age or the legal age of majority in your jurisdiction to use this Protocol.

2.2. Jurisdictional Restrictions: The Protocol is not intended for use by persons in jurisdictions where the offer of such services is prohibited by law. It is the Lender’s sole responsibility to ensure compliance with local regulations, including tax obligations and securities laws.

2.3. Identity Verification: While Catalyst Finance operates on decentralized principles, the Protocol reserves the right to implement "Know Your Customer" (KYC) or "Anti-Money Laundering" (AML) checks at its discretion to maintain regulatory standing.

1. THE LENDING MODEL AND MATURITY

3.1. P2C Nature: Catalyst Finance operates as a Peer-to-Company lending bridge. Funds deposited are not "investments" in a traditional security but are "loans" provided to the Protocol for active capital deployment.

3.2. The 90-Day Lock-up: By depositing funds, the Lender agrees to a strict 90-day fixed maturity period for the first cycle.

3.3. No Early Withdrawal: Lenders acknowledge that capital is deployed into illiquid or high-velocity assets (Real Estate Bridge Loans, HFT cycles). Therefore, liquidity cannot be recalled, withdrawn, or cancelled prior to the 90th day of the first cycle.

3.4. ROI Target: The 45% ROI is a performance target based on proprietary trading and lending models. While the Protocol strives to meet this benchmark, it does not constitute a guaranteed legal debt if market conditions render the target unattainable.

1. RISK DISCLOSURE (IMPORTANT)

4.1. Capital Risk: Participation in DeFi and high-yield lending involves a high degree of risk. There is a possibility of a partial loss of principal.

4.2. Market Volatility: High-Frequency Trading (HFT) and DeFi Yield Farming are subject to extreme market fluctuations. Digital asset prices can drop to zero.

4.3. Smart Contract Risk: Despite audits, smart contracts may contain vulnerabilities. The Protocol is not liable for losses resulting from hacks, exploits, or "flash loan" attacks.

4.4. Real Estate Liquidity: Real estate bridge loans depend on the ability of third-party developers to repay. Delays in the physical property market may impact the timing of liquidity availability.

1. TOKENOMICS AND REWARD SYSTEM

5.1. $CATALYST Token: The $CATALYST token is a utility asset with a fixed supply (NAN). It holds no inherent value outside the ecosystem and should not be purchased with the expectation of profit.

5.2. Points Allocation: Catalyst Points are a loyalty metric used to determine internal tier rankings. Points have no monetary value, are non-transferable, and can be revoked by the Protocol if fraudulent activity (e.g., "sybil" referral attacks) is detected.

1. REFERRAL PROGRAM PROTOCOL

6.1. Commission Structure: Referrers receive a 5% commission on the initial deposit of a new Lender.

6.2. Anti-Abuse: Self-referral (creating multiple accounts to refer oneself) is strictly prohibited. The Protocol reserves the right to freeze accounts and forfeit all accrued ROI and referral commissions if such behavior is identified.

1. FEES AND TAXATION

7.1. Protocol Fees: Catalyst Finance may deduct operational fees or "gas fees" from the final payout to cover network costs.

7.2. Tax Responsibility: The Lender is solely responsible for determining, reporting, and paying any taxes applicable to the 45% ROI or referral commissions earned through the Protocol.

8. INTELLECTUAL PROPERTY AND PROPRIETARY DATA

8.1. Proprietary Algorithms: The AI HFT bots and allocation strategies used by Catalyst Finance are trade secrets. Lenders do not gain any right to inspect, copy, or reverse-engineer the proprietary code or trading logic.

8.2. Branding: All logos, whitepapers, and dashboard interfaces are the exclusive property of the Protocol.

9. LIMITATION OF LIABILITY

To the maximum extent permitted by law, Catalyst Finance and its developers, officers, and affiliates shall not be liable for any indirect, incidental, special, or consequential damages, including loss of profits, data, or use, arising out of or in connection with the use of the Protocol. The services are provided on an "AS IS" and "AS AVAILABLE" basis.

10. TERMINATION AND AMENDMENTS

10.1. Modification of Terms: The Protocol reserves the right to modify these terms at any time. Continued use of the platform after updates constitutes acceptance of the new terms.

10.2. Protocol Dissolution: In the event of catastrophic market failure or regulatory intervention, the Protocol will prioritize the return of principal to Lenders from the 10% Liquidity Buffer. BY PROCEEDING WITH A DEPOSIT, YOU AGREE TO BE LEGALLY BOUND BY THE TERMS ABOVE. PROCEED WITH CAUTION AND ONLY LEND CAPITAL YOU CAN AFFORD TO LOSE.