Terms & Conditions: nvlope.app, Nvlope, Inc.

Effective Date: June 16, 2025
Last Updated: June 16, 2025

1. Acceptance of Terms

By accessing or using nvlope.app (the "Service"), you agree to be bound by these Terms & Conditions ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Description of Service

nvlope.app provides educational tools, assessments, calculators, and information resources related to stablecoin compliance, digital assets, and blockchain technology. Our Service includes:

• Educational assessment tools
• ROI calculators and comparison tools
• Legislative tracking information
• Implementation guides and resources
• Subscription-based advisory content

3. Important Disclaimers

3.1 Not Financial Advice

THE INFORMATION PROVIDED ON NVLOPE.APP IS FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. IT DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, LEGAL, OR TAX ADVICE.

• We are not a registered investment advisor, financial planner, or licensed financial professional
• All tools, calculations, and assessments are educational in nature
• Users should consult with qualified professionals before making financial decisions
• Past performance does not guarantee future results

3.2 No Guarantees

nvlope.app makes no representations or warranties regarding:

• Future market behavior or performance
• Returns on any investments or financial products
• The accuracy of third-party information or market data
• Outcomes from following any guidance or using our tools

3.3 Regulatory Compliance

• Users are responsible for ensuring compliance with all applicable laws and regulations
• Regulatory landscapes change frequently; information may become outdated
• We do not provide legal advice regarding compliance matters

4. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• nvlope.app SHALL NOT BE LIABLE for any direct, indirect, incidental, special, consequential, or punitive damages
• This includes damages resulting from use of our tools, reliance on our information, or any financial losses
• Users assume all risks associated with their financial and business decisions
• Our total liability shall not exceed the amount paid for our services in the preceding 12 months

5. User Responsibilities

5.1 Appropriate Use

You agree to:

• Use the Service for lawful purposes only
• Not rely solely on our tools for financial decisions
• Seek professional advice when appropriate
• Verify all information independently

5.2 Account Security

If you create an account:

• You are responsible for maintaining password security
• You must notify us immediately of any unauthorized access
• You are liable for all activities under your account

6. Intellectual Property

6.1 Our Content

All content on nvlope.app, including text, graphics, logos, software, and design, is owned by nvlope.app or our licensors and protected by copyright and other intellectual property laws.

6.2 User License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal or business purposes, subject to these Terms.

7. Subscription Terms

7.1 Billing

• Subscription fees are billed in advance
• All fees are non-refundable except as required by law
• We may change pricing with 30 days' notice

7.2 Cancellation

• You may cancel your subscription at any time
• Cancellation takes effect at the end of the current billing period
• Access to premium content ends upon cancellation

8. Third-Party Services

nvlope.app may contain links to third-party websites or integrate with third-party services. We are not responsible for:

• The content or practices of third-party sites
• Any damages arising from third-party services
• The privacy policies of external sites

9. Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service.

10. Prohibited Uses

You may not use nvlope.app to:

• Violate any laws or regulations
• Infringe on intellectual property rights
• Transmit harmful or malicious code
• Attempt to gain unauthorized access to our systems
• Use automated systems to access the Service without permission

11. Modification of Service

We reserve the right to:

• Modify or discontinue the Service at any time
• Update these Terms with reasonable notice
• Change features, pricing, or availability of tools

12. Termination

We may terminate or suspend your access immediately, without prior notice, for conduct that we believe:

• Violates these Terms
• Is harmful to other users or third parties
• Is harmful to our business interests

13. Digital Assets and Blockchain Disclaimer

13.1 Volatile Markets

Digital assets and cryptocurrencies are highly volatile and speculative investments. Values can fluctuate dramatically and unpredictably.

13.2 Regulatory Risk

Cryptocurrency regulations are evolving rapidly. Future regulations may significantly impact the value and utility of digital assets.

13.3 Technology Risks

Blockchain technology involves risks including but not limited to:

• Smart contract vulnerabilities
• Network congestion or failures
• Loss of private keys
• Irreversible transactions

14. Compliance and Legal

14.1 GENIUS Act Information

Information regarding the GENIUS Act and other regulations is provided for educational purposes. Regulatory interpretations may vary, and laws are subject to change.

14.2 Banking Information

Information about banking products and LP pools is general in nature. Terms and availability vary by institution and are subject to change.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Missouri, United States, without regard to conflict of law principles.

16. Dispute Resolution

16.1 Informal Resolution

Before filing any formal dispute, you agree to contact us to seek informal resolution of any concerns.

16.2 Arbitration

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the American Arbitration Association's Commercial Arbitration Rules.

17. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms constitute the entire agreement between you and nvlope.app regarding the Service and supersede all prior communications and proposals.

19. Contact Information

For questions about these Terms, please contact us at:

• Email: support@nvlope.app
• Website: nvlope.app

20. Acknowledgment

By using nvlope.app, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

IMPORTANT REMINDER: nvlope.app provides educational tools and information only. We do not provide financial, investment, legal, or tax advice. Always consult with qualified professionals before making financial decisions. Cryptocurrency and digital asset investments carry significant risks and may result in substantial losses.