Disclaimer — “We’re Not Your Bank”

Last Updated: March 1, 2026  |  Effective Immediately Upon Download, Installation, or Use

Part I — We’re Not Your Bank

1. No Financial Services

SynergyX Project (“we,” “us,” “our”) does not provide banking services, investment services, custodial services, exchange services, lending services, insurance services, payment processing services, or any other financial service of any kind. We are not registered, licensed, or authorized as a financial institution in any jurisdiction on this planet or off it.

The SynergyX Wallet is closed-source (until block height 200K), self-custodial software. It generates cryptographic keys on your device, signs transactions on your device, and broadcasts those transactions to a decentralized peer-to-peer network. At no point does any server, employee, contractor, or entity affiliated with SynergyX have access to, custody of, or control over your funds.

We do not hold your money. We cannot hold your money. The architecture makes it impossible.

2. No FDIC, No Insurance, No Safety Net

SYNX tokens are not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC), any national deposit guarantee scheme, or any insurance policy of any kind. There is no government backstop. There is no recovery fund. There is no bailout mechanism.

If you lose your private keys, your funds are gone. If you send SYNX to the wrong address, the transaction is irreversible. If your seed phrase is compromised because you stored it in a text file on your desktop, that is not our problem. The blockchain does not have a customer service department.

You chose self-sovereignty. This is what self-sovereignty looks like.

3. No Fiduciary Duty

We owe you no fiduciary duty, duty of care, duty of loyalty, or duty of good faith under any legal framework. We are not your financial advisor. We are not your investment manager. We are not your broker. We do not provide, and have never provided, investment advice, tax advice, legal advice, or any other form of professional guidance.

If you bought SYNX expecting it to go up in price, that was your decision based on your own analysis. If you staked SYNX expecting a particular yield, you read the protocol documentation and made a choice. If you traded on the Synergy Sea expecting liquidity, you understood the risks of decentralized markets. None of these decisions were made on our recommendation, under our direction, or with our encouragement.

You are an autonomous economic actor. We treat you like one.

4. No Guarantees of Value

SYNX has no guaranteed value. It is not pegged to any fiat currency, commodity, security, or asset. Its market price—if a market exists—is determined entirely by supply, demand, and whatever chaos the free market delivers. The price could go to zero. The price could go to a million. We make no representation either way.

Past performance is not indicative of future results. Current performance is not indicative of future results. Nothing is indicative of future results. The future is unknown. That’s why they call it the future.

5. Software Provided “As-Is”

The SynergyX Wallet, daemon, libraries, utilities, and all associated software are provided “AS-IS” and “AS-AVAILABLE” without warranty of any kind, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the software will be uninterrupted, error-free, secure, accurate, reliable, or free of viruses, bugs, or vulnerabilities. We do not warrant that any defects will be corrected. We do not warrant that the software will meet your requirements, your expectations, or your hopes and dreams.

You compile it, you run it, you own the outcome.

6. Assumption of Risk

By using SynergyX, you expressly acknowledge and accept the following risks:

• Key Loss — Loss of private keys or seed phrases results in permanent, irrecoverable loss of all associated SYNX tokens. No entity can recover them for you.
• Protocol Risk — Undiscovered bugs, vulnerabilities, or protocol-level flaws could result in loss of funds, network disruption, or consensus failure.
• Regulatory Risk — Governments may enact laws that restrict, prohibit, or regulate cryptocurrency usage. Compliance is your responsibility.
• Market Risk — The value of SYNX may fluctuate wildly or collapse entirely. Cryptocurrency markets are volatile by nature.
• Network Risk — The SynergyX network is decentralized and depends on voluntary node operators. Network availability is not guaranteed.
• Quantum Risk — While SynergyX implements NIST-standardized post-quantum cryptography (Kyber-768, SPHINCS+), no cryptographic system can provide an absolute guarantee against all future attacks, including advances in quantum computing beyond current models.
• Operational Risk — User error, hardware failure, malware, phishing, social engineering, or physical theft may result in loss of funds.
• Counterparty Risk — Peer-to-peer transactions involve counterparty risk. SynergyX does not vet, verify, underwrite, or guarantee any counterparty.

You accept all of these risks voluntarily. You do not hold SynergyX, its contributors, its node operators, its miners, or any affiliated party liable for any loss arising from any of these risks.

7. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall SynergyX Project, its developers, contributors, maintainers, node operators, miners, or any affiliated party be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to damages for loss of profits, loss of data, loss of tokens, loss of revenue, business interruption, personal injury, or loss of privacy, arising out of or in any way connected with your use of, or inability to use, the SynergyX software.

This limitation applies regardless of the legal theory under which such liability is asserted—whether in contract, tort, negligence, strict liability, warranty, or otherwise—even if SynergyX has been advised of the possibility of such damages.

Maximum aggregate liability: $0.00 USD.

8. Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless SynergyX Project, its developers, contributors, and affiliated parties from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses arising from: (a) your use of the software; (b) your violation of any applicable law or regulation; (c) your violation of any third-party rights; or (d) any dispute between you and any third party arising from transactions conducted using SynergyX.

Part II — Shadow Marketplace Disclaimer

The Shadow Marketplace is a decentralized, peer-to-peer listing board. It is not a store. It is not a platform. It is not a marketplace operated by SynergyX. It is a protocol-level feature that allows individual users to broadcast listings and execute trades directly with other individual users, wallet-to-wallet, without intermediary involvement of any kind.

SynergyX does not operate the Shadow Marketplace. We wrote the code. The code runs on your machine. You interact with other users through cryptographic protocols. We are not in the middle. We are not on the side. We are not watching. We are not there.

Specifically:

• No Escrow — SynergyX does not hold funds in escrow for Marketplace transactions. Smart escrow, if enabled, is executed by protocol-level code running locally on participants’ devices. No SynergyX entity controls escrowed funds at any time.
• No Mediation — We do not mediate disputes between buyers and sellers. If a trade goes wrong, you resolve it with your counterparty. We have no mechanism, authority, or inclination to intervene.
• No Refunds — Blockchain transactions are irreversible by design. There is no chargeback. There is no refund button. There is no customer service representative who can reverse a transaction. Once SYNX leaves your wallet, it is gone unless the recipient voluntarily sends it back.
• No Chargebacks — This is not a credit card. This is not PayPal. This is a bearer-instrument settlement network. Finality is absolute.
• No Vetting — SynergyX does not verify the identity, reputation, credibility, solvency, or intentions of any Marketplace participant. Every user is a pseudonymous cryptographic identity. You are responsible for evaluating your counterparty before committing to any trade.
• No Listing Review — We do not review, approve, moderate, curate, or endorse any listing posted on the Marketplace. Listings are user-generated content broadcast over a decentralized network. We cannot remove them even if we wanted to.
• No Involvement — SynergyX has no involvement whatsoever in any transaction conducted through the Marketplace. We do not facilitate, broker, recommend, or profit from any trade.

You are smart enough to vet sellers. You are smart enough to verify goods. You are smart enough to assess risk. That’s why you’re here instead of on a centralized exchange that holds your hand and sells your data.

The Shadow Marketplace exists because privacy-respecting commerce should be possible without corporate gatekeepers, KYC theater, and surveillance capitalism. It is a tool. Like any tool, it can be used well or used poorly. The responsibility for how you use it falls entirely on you.

Final Provisions

Governing Law & Dispute Resolution

This Disclaimer shall be governed by and construed in accordance with the laws of the jurisdiction in which the user resides, without regard to conflict-of-laws principles.

Any dispute, controversy, or claim arising out of or relating to this Disclaimer, the SynergyX software, or any transaction conducted using the SynergyX Protocol shall be resolved exclusively through binding individual arbitration administered under the Rules of Arbitration of the International Chamber of Commerce (ICC), conducted by a sole arbitrator in the user’s jurisdiction of residence. The arbitrator’s award shall be final and binding. Judgment on the award may be entered in any court of competent jurisdiction.

CLASS ACTION WAIVER: You expressly waive any right to participate in a class action, collective action, representative action, or consolidated proceeding of any kind. All claims must be brought in your individual capacity. If this waiver is found unenforceable, the entirety of this arbitration provision shall be void and any dispute shall proceed in a court of competent jurisdiction in the user’s jurisdiction of residence—but the class action waiver shall survive to the maximum extent permitted by law.

Severability

If any provision of this Disclaimer is held invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

Entire Understanding

This Disclaimer, together with the Terms of Service and the Privacy Policy, constitutes the entire understanding between you and SynergyX regarding the use of the software and protocol. No oral or written communication from any SynergyX contributor, forum post, social media message, or community discussion shall modify, extend, or contradict the terms contained herein.

Contact

If you have questions about this Disclaimer that are not answered by reading it again more carefully, you may reach us at legal@synxcrypto.com. We will respond as time and interest permit.