Terms of Service

These Terms of Service (the “Terms”) are an agreement between you and Yield Sniper, Inc., the company that builds and operates Lotvs. In these Terms, “we”, “us” and “our” mean Yield Sniper, Inc., and “you” means the person using Lotvs.

By using Lotvs — including by connecting a wallet, signing in with Google, or making a trade or a transfer — you accept these Terms. If you do not accept them, please do not use Lotvs.

Please also read our Privacy Policy, which explains what we do with your data. It forms part of this agreement.

Lotvs is a product of Yield Sniper, Inc., a Delaware C Corporation incorporated on 15 December 2025 (Delaware file number 10438325). The company is run from Poland.

Company

Yield Sniper, Inc.

Business address

131 Continental Dr, Suite 305, Newark, DE 19713, USA

Registered agent

Legalinc Corporate Services Inc., 131 Continental Dr, Suite 305, Newark, DE 19713, USA

Representative

Marcus Gomes

Email

legal@ysniper.com

Phone

(302) 601-7229

Lotvs is self-custody software. It is an interface that helps you use public blockchain networks and third-party services from one app. You can view your holdings, trade tokens through a third-party routing service, set up recurring buys, send and receive tokens, and ask questions of an AI assistant.

To be completely clear about what we are not:

• We are not a bank and we do not take deposits. No money you use with Lotvs is a deposit with us, and none of it is covered by deposit insurance or any guarantee scheme.
• We are not a broker, dealer or exchange. We do not execute orders for you, we do not match buyers and sellers, and we do not hold securities or client assets.
• We are not an investment adviser, financial adviser or portfolio manager. We do not assess whether anything is suitable for you.
• We are not a custodian, money transmitter or payment institution. Your funds never pass through our accounts.
• We are not licensed or registered with any financial regulator, and we make no claim to be. We hold no licence, authorisation or registration in any country.

You are the one who decides what to buy, sell, hold or send, and you sign every transaction yourself. Lotvs only prepares transactions for you to approve and shows you information about them.

We operate from the European Union and offer Lotvs in the European Economic Area, so it is worth stating plainly what the service is and is not in European terms.

• Lotvs is self-custody software. We do not hold, control or have access to your crypto assets or your keys at any point, and we cannot transfer them for you.
• We do not operate a trading platform, we do not execute orders on your behalf, and we do not exchange crypto assets for funds or for other crypto assets as a counterparty. Trades you make are routed to third-party protocols and signed by you.
• We do not provide investment advice, portfolio management, or any personal recommendation, and we do not assess suitability or appropriateness for you.
• The AI assistant provides general information only. It is not advice and it is not a recommendation.
• We do not hold funds, we do not issue any crypto asset, and we do not operate as a payment service.

This section describes how the service is built. It is a factual statement, not a claim to hold any authorisation, registration or exemption under EU law. As stated above, we are not licensed or registered with any financial regulator.

Lotvs is offered to people in the European Economic Area. To use it, you confirm that all of the following are true:

• You are at least 18 years old and can enter into a binding contract where you live.
• You are resident in the European Economic Area, and you are not a resident of, or located in, the United States, the United Kingdom, Canada and Australia.
• You are not a US person, wherever in the world you happen to be.
• You are using Lotvs for yourself, not on behalf of someone else without their authority.
• You are not located in, resident in, or acting on behalf of anyone in a country subject to comprehensive trade sanctions, and you are not on any sanctions or restricted-party list (for example those maintained by the European Union, the United Nations, the United States or the United Kingdom).
• Using Lotvs does not break any law that applies to you where you live.

Availability of other features also varies by country. Card top-ups depend on where our card top-up partner operates. Sanctions screening and identity checks, where they happen at all, happen inside the relevant third party’s own flow, not ours.

You are responsible for knowing and following the rules that apply to you, including tax rules and any restrictions on holding tokenized securities in your country. We may restrict or refuse access to Lotvs in any country, at any time.

Lotvs is non-custodial. Your assets live in a blockchain wallet that you control, not with us. You can either connect a wallet you already have (such as Phantom, Solflare or Backpack) or sign in with Google, in which case an embedded wallet is created and its keys are managed by Web3Auth.

We never hold your funds and we never hold your private keys. We cannot move, freeze, reverse or recover your assets, and we cannot make a transaction on your behalf. Every transaction is signed by you and is final once the network confirms it.

You are responsible for:

• Keeping your sign-in account, device, recovery methods and any seed phrase secure.
• Checking every transaction before you approve it, including the recipient address and the amount.
• Keeping enough SOL in your wallet to pay network fees. Without it, transactions will not go through.
• Sending to the right address. Blockchain transfers cannot be reversed or cancelled, and funds sent to a wrong or incompatible address are usually lost permanently.

Creating an account and using Lotvs is free. When you trade one token for another through Lotvs, we take a platform fee of 0.2% of the trade amount (20 basis points). The fee is collected automatically as part of the trade by the routing service, and it is shown to you before you confirm.

Other costs are not ours and are not set by us:

• Network fees. Every Solana transaction costs a small network fee, paid in SOL. It usually amounts to a fraction of a cent, but we do not control it.
• Price impact and slippage. The amount you actually receive on a trade depends on market liquidity at that moment and may differ from the quote you were shown.
• Third-party fees. Card top-ups carry the fees and exchange rates of whichever card top-up partner we use at the time. Recurring orders are executed through Jupiter, which may apply its own fees. Token issuers may charge their own fees under their terms.

We may change our platform fee. If we do, the new fee will be shown in the app before you confirm a trade, and the fee you see at that moment is the fee that applies.

Lotvs depends on services and tokens built by other companies. We do not control them, we do not guarantee them, and we are not responsible for what they do. Using Lotvs means your activity also passes through some of them, under their own terms and privacy policies.

• Web3Auth — creates and manages the keys for the embedded wallet when you sign in with Google.
• Jupiter — finds the route for your trades and builds the transactions, including recurring orders.
• Ankr — the Solana node service we use to read balances and broadcast transactions.
• Our card top-up partner — currently MoonPay — for adding funds with a card. Any identity verification happens in that provider’s own flow, under its own terms. We may change or add providers, and the provider in use is shown to you when you start a top-up.
• Google (Gemini) — the AI model behind the assistant. See no advice, and the AI assistant.
• Circle — issuer of USDC, the token that holds your dollar balance.
• Backed — issuer of the xStocks tokenized stock and index products.
• DexScreener and CoinGecko — the sources for the prices shown in the app.
• Phantom, Solflare and Backpack — the external wallets you can connect.

Company names, tickers and logos shown in Lotvs belong to their owners and are used to identify the underlying asset. They do not imply any endorsement of, or affiliation with, Lotvs.

Nothing in Lotvs — no screen, list, basket, price, label, notification or piece of content — is investment, financial, legal, accounting or tax advice, and none of it is a recommendation or solicitation to buy or sell anything. We do not know your circumstances and we do not assess whether anything is suitable for you.

The way assets are grouped or presented — for example curated lists, categories, or baskets such as “Magnificent 7” — is a convenience for browsing. It is not a view on what is a good investment, and it is not portfolio management.

The AI assistant gives general information only. It is powered by a third-party AI model and it can be wrong, out of date, incomplete or misleading. It may state things with confidence that are simply false. Treat its answers as a starting point for your own research, never as advice, and never as a reason to make a trade on its own. Any action it suggests still has to be reviewed and approved by you.

You are responsible for your own decisions and for your own tax reporting. If you need advice, please speak to a qualified professional in your country.

Please read this section carefully. By using Lotvs you confirm that you understand and accept these risks.

You can lose money. Investing involves risk, including the possible loss of everything you put in. Prices of tokenized stocks, index products, gold and crypto can move sharply and without warning. Past performance tells you nothing about future results. Lotvs never promises a return. Only commit what you can afford to lose.

Self-custody means no safety net. Because only you hold the keys, mistakes are permanent. Lost access, a wrong address, an approved malicious transaction, a compromised device or a phishing attack can cost you everything in the wallet. We cannot freeze, reverse, restore or refund any of it.

Your dollar balance is a stablecoin, not a bank deposit. Dollar balances are held in USDC, a token issued by Circle and designed to keep a value of one US dollar. It is not a deposit, it is not covered by deposit insurance or any guarantee scheme, and it depends on Circle staying solvent and maintaining the peg. A stablecoin can lose its peg.

Tokenized stocks are not shares. xStocks are tokens issued by Backed that track the price of an underlying security. You do not own the share itself. You get no voting rights, no direct claim on the company, and none of the protections that come with holding a real security through a regulated broker. You take credit risk on the issuer and on whoever holds the underlying assets. The legal and tax treatment of these tokens is unsettled in many countries, including yours.

Market and liquidity risk. Trades happen against on-chain liquidity pools, not a regulated exchange. In thin markets you may get a materially worse price than quoted, or a trade may fail. Tokenized stock prices can drift from the price of the underlying share, especially when the underlying market is closed.

Technology risk. Blockchains, smart contracts, wallets, routing protocols and bridges can contain bugs or be exploited. Networks can congest, stall or fork. Wrapped assets such as wrapped Bitcoin depend on whoever holds the underlying asset. Any of this can cause partial or total loss, and none of it is within our control.

Third-party and issuer risk. Services we rely on can fail, change their terms, or stop serving your country. Token issuers can freeze or seize their own tokens, as explained under third-party services and token issuers.

Prices shown are indicative. Prices, balances and performance figures come from third-party sources and public blockchain data. They may be delayed, wrong or unavailable, and they are not a valuation or a statement of account. Illustrative screens shown on our website use sample data, not real accounts.

Regulatory risk. The rules covering crypto assets and tokenized securities are changing in many countries. A change in the law could restrict or end your ability to use Lotvs, or to hold or sell what you have bought.

You agree not to use Lotvs:

• To break any law, or to help anyone else break one.
• To launder money, finance terrorism, evade sanctions, or handle the proceeds of crime or funds that are not lawfully yours.
• To manipulate a market, or to trade on information you should not have.
• If you are a US person, to buy tokenized stocks or index products, or to get around any restriction on who may hold them.
• To get around geographic restrictions, for example by hiding your location or misrepresenting who you are.
• To attack, overload, probe, scrape or reverse-engineer the service, or to access it with bots or automated tools in a way that harms it or other users.
• To interfere with anyone else’s use of the service, or to impersonate anyone.
• To use our names, logos or branding in a way that suggests we endorse you.

Because Lotvs is non-custodial, enforcement is limited to the software: we can block your access to our interface, but we cannot touch your wallet or your funds.

Our website mentions ideas we are considering — for example local currency payments, earning on idle cash, or a card. Anything labelled “coming soon” or shown on a roadmap does not exist and is not available to you.

These are plans, not promises. They may change completely, be delayed indefinitely, launch only in some countries, or never launch at all. They may require separate terms, separate providers and separate eligibility checks. Do not sign up, keep funds, or make any decision on the basis of a feature that has not shipped.

We are a small team and Lotvs is offered as it is, without a service level commitment. We may change, suspend, limit or discontinue any part of the service — including supported assets, countries and features — at any time, with or without notice.

The service can also be unavailable for reasons outside our control, such as network congestion, an outage at a third-party provider, or maintenance. We do not guarantee that you will be able to trade or transfer at any particular moment, or at any particular price.

Because your assets are in your own wallet, you keep control of them even if Lotvs is unavailable or shuts down. You can always use your wallet with other software that supports Solana.

We own, or are licensed to use, Lotvs and everything in it: the software, the interface, the design, the text, the graphics and the Lotvs name and logo. You may use the service for your own personal, non-commercial use, and nothing more.

You may not copy, modify, distribute, sell or lease any part of the service, or reverse-engineer it, except where the law says you may and we cannot restrict it.

Third-party names, tickers and logos remain the property of their owners. Blockchain data is public and belongs to no one.

If you send us feedback or suggestions, we may use them freely and without owing you anything for them.

To the fullest extent the law allows, Lotvs is provided “as is” and “as available”, with no warranties of any kind, whether express or implied. We specifically disclaim any implied warranty of merchantability, fitness for a particular purpose, non-infringement, accuracy or quiet enjoyment.

We do not warrant that:

• The service will be uninterrupted, timely, secure or error-free.
• Any price, balance, quote or other information shown is accurate, complete or current.
• Any output of the AI assistant is accurate or reliable.
• Any third-party service, token or issuer will perform as expected, or will remain available.
• Any transaction will confirm, or will confirm at the price or in the time you expected.

We are not responsible for losses caused by your own decisions, by your loss of access to your wallet, by anything a third-party service or token issuer does or fails to do, or by the behaviour of a blockchain network.

Some countries do not allow certain warranties to be excluded. If that is the case where you live, this section applies to you only as far as the law permits, and your mandatory legal rights as a consumer are not affected.

To the fullest extent the law allows, neither Yield Sniper, Inc. nor its directors, officers, employees or contractors will be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, data, goodwill, or lost or diminished value of any asset, however caused, even if we were told such damages were possible.

Our total liability to you for all claims relating to Lotvs, taken together, is limited to the greater of (a) the total platform fees you actually paid us in the three months before the event that gave rise to the claim, and (b) one hundred US dollars (US$100).

We are not liable for the value of any asset you buy, sell, hold or send. We never held it and we could never control it.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited — for example liability for fraud, or for death or personal injury caused by negligence. If you are a consumer, your mandatory rights under the consumer law of your country of residence continue to apply in full and are not affected by this section.

If someone brings a claim against us because of how you used Lotvs — because you broke these Terms, broke the law, infringed someone’s rights, or misused the service — you agree to defend us and to cover the resulting losses, damages and reasonable legal costs. We will tell you about any such claim and give you a fair chance to take it over, and we will not settle it in a way that binds you without asking you first. This does not apply to anything caused by our own wrongdoing, and it applies only as far as the law of your country allows.

You can stop using Lotvs at any time. Simply disconnect your wallet or stop using the app. Because custody is yours, nothing has to be withdrawn from us and there is nothing to close.

We may suspend or end your access to our interface at any time, with or without notice, if we reasonably believe you have broken these Terms, if we are required to do so by law, or if we stop offering the service in your country.

Ending access to the interface does not affect your wallet or your assets. They stay yours, and you can continue to use them with other Solana software. Sections that by their nature should survive — including fees already incurred, disclaimers, limitation of liability, indemnity and governing law — continue to apply after this agreement ends.

We may update these Terms as the product and the law change. When we do, we will change the “Last updated” date at the top of this page, and for significant changes we will give notice in the app or by other reasonable means before they take effect. If you keep using Lotvs after a change takes effect, you accept the updated Terms. If you do not accept them, please stop using the service.

These Terms, and any dispute arising out of them or out of your use of Lotvs, are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules.

Let us try to fix it first. If you have a problem, please email us at legal@ysniper.com and describe it. Most issues can be sorted out quickly, and we ask that you give us 30 days to resolve it informally before starting formal proceedings.

If that does not work, disputes will be brought before the state or federal courts located in the State of Delaware, and you and we each agree to the jurisdiction of those courts.

Whole agreement. These Terms and the Privacy Policy are the entire agreement between you and us about Lotvs, and they replace anything said before.

If part of it fails. If a court finds any part of these Terms unenforceable, the rest stays in force.

No waiver. If we do not enforce something straight away, we have not given up the right to enforce it later.

Transfer. You may not transfer your rights under these Terms. We may transfer ours to an affiliate or in connection with a merger, acquisition or sale of assets.

Language. These Terms are written in English. Any translation is provided for convenience, and the English version governs, except where the law of your country requires otherwise.

Questions about these Terms? Please get in touch.

Email

legal@ysniper.com

Company

Yield Sniper, Inc.

Address

131 Continental Dr, Suite 305, Newark, DE 19713, USA

Phone

(302) 601-7229