Terms and Conditions

The Terms constitute a valid, binding, and enforceable legal contract between you ("User," "You," or "Your") and ORO Labs Pte. Ltd., a company incorporated under the laws of Singapore ("ORO Labs," "We," "Us," or "Our"), including its affiliates and associated entities, unless repugnant to the context.

These Terms of Use, together with any documents, policies, and additional terms that expressly incorporate them by reference, including the Privacy Policy (available here), Risk Disclosure (available at Schedule 1) (as may be amended from time to time, the "Terms"), govern Your access to and use of the website https://oro.finance (the "Platform"), including all subdomains, web pages, applications, and content made available by ORO Labs, except where such components directly facilitate or relate to trading or other regulated activities (the "Trading Components").

For the avoidance of doubt, all Trading Components, including but not limited to the Trading Platform and any related interfaces, features, dashboards, or tools—whether embedded within or accessible via the Platform—are operated and governed solely by licensed Third-Party Service Providers and are expressly excluded from the scope of these Terms.

These Terms apply solely to the limited functionality and services provided directly by ORO Labs through the Platform, including user interface access, technical support, and non-transactional features ("Services"). They do not govern any activity conducted through or in connection with the Trading Platform or any Third-Party Service Provider. Any updates or enhancements to the Platform made by ORO Labs shall be subject to these Terms, unless explicitly stated otherwise.

For clarity, certain services related to the purchase, sale, redemption, or custody of $GOLD or other digital assets are not provided by ORO Labs. These services are offered exclusively through the Trading Platform, Such transactional and regulated activities—including but not limited to trade execution, user onboarding (e.g., know-your-customer or know-your-business verification), AML/CFT compliance, digital asset custody, and settlement processing—are governed entirely by the applicable third party's own terms, conditions, and regulatory obligations. ORO Labs does not offer or assume responsibility for any such regulated services.

ORO Labs may collect, process, or assist in verifying certain user identification or compliance information, including for the purposes of know-your-customer, know-your-business, and AML/CFT compliance. This may be done to satisfy internal access protocols, enable Platform functionality, or assist Third-Party Service Providers in their regulatory obligations. However, such involvement by ORO Labs does not constitute the provision of any regulated service and is subject to the disclaimers and limitations set forth in these Terms.

To the extent You interact with any feature or interface on the Platform that facilitates or leads to access to the Trading Platform, including embedded modules, redirects, or linked services, such interaction may be governed by the terms of the relevant Third-Party Service Provider. ORO Labs is not a party to those terms, nor does it assume any responsibility for the services, products, or outcomes associated with such third parties. In the event of any conflict between these Terms and the applicable terms of a Third-Party Service Provider, the latter shall govern solely in relation to that specific transaction or service.

Communications from ORO Labs regarding Your use of the Platform may be delivered via email, in-Platform notifications, browser pop-ups, or other accessible electronic channels ("Communication"). You consent to receiving such Communications, which may include service announcements, legal notices, administrative messages, or updates related to the Platform’s functionality.

By accessing or using the Platform, You acknowledge that You have read, understood, and agreed to be bound by these Terms. If You do not agree with these Terms, You must immediately discontinue any use of the Platform and the Services made available by ORO Labs.

You acknowledge and agree that the use of $GOLD and other digital assets carries inherent risks. The value of such assets can be volatile and may fluctuate significantly over time. By accessing or using the Platform, You accept full responsibility for evaluating the risks involved in any interaction with digital assets, and You should seek independent legal, financial, or tax advice if needed. ORO Labs does not provide investment, financial, or legal advice, and no content on the Platform should be interpreted as such.

ORO Labs does not guarantee the performance, accuracy, or reliability of any digital asset, including $GOLD. We make no promises regarding future value, liquidity, or market conditions. For further information about the risks associated with digital assets, please refer to the Risk Disclosure provided in Schedule 1.

The Platform and any connected services are not intended for access or use by individuals or entities in jurisdictions where such use is restricted, prohibited, or would require additional licensing. This includes, without limitation, users located in or ordinarily resident in the Singapore, or any country subject to international sanctions or trade restrictions. Access from such jurisdictions is strictly prohibited and may result in suspension or termination of access.

5.1 Fees Payable to ORO Labs: The User shall pay any fees or charges prescribed by ORO Labs for access to or use of the Platform (if any). All such fees are exclusive of any applicable taxes, duties, or levies, which shall be borne solely by the User. ORO Labs reserves the right to modify its fees or introduce new fees at its discretion, and will provide notice of any such changes as required by Applicable Law or these Terms.

5.2 Third-Party Fees and Charges: The User acknowledges that certain services, transactions, or activities facilitated by or referenced on the Platform, including the Trading Platform, may involve Third-Party Service Providers (including but not limited to digital asset exchanges, payment processors, or network operators) who may charge their own fees, commissions, or other amounts. ORO Labs has no control over, and assumes no responsibility for, any such third-party fees or charges. The User is solely responsible for investigating and understanding all fees and charges that may apply to their use of any third-party services or any digital asset transactions, and the User shall bear all such amounts. Any disputes or issues regarding third-party fees are strictly between the User and the relevant Third-Party Service Providers.

5.3 Taxes: The User shall be exclusively responsible for determining, collecting, reporting, and remitting any and all taxes, duties, and governmental charges that may be imposed under Applicable Laws in connection with the User's access to the Platform or any transactions or activities the User undertakes as a result of information obtained through the Platform. This includes, without limitation, any goods and services tax, value-added tax, sales tax, income tax, capital gains tax, or other taxes that may arise from the User's participation in $GOLD or other use of the Platform. ORO Labs does not provide tax advice or guidance, and nothing on the Platform shall be construed as such. The User should consult their own tax advisers to ensure compliance with all tax obligations.

5.4 No ORO Labs Responsibility for User Tax Obligations: ORO Labs has no control over the application of tax laws to the User's activities and shall have no responsibility or liability for the User's compliance (or non-compliance) with tax obligations. ORO Labs shall not be liable for any fines, penalties, sanctions, interest, or other losses incurred by the User as a result of the User's failure to comply with any tax requirements. If any tax authority or other governmental body seeks to hold ORO Labs responsible for taxes or penalties attributable to the User's use of the Platform, the User shall indemnify and hold harmless ORO Labs from and against any such liability, fine, or expense.

5.5 User's Assumption of Risk (Fees and Taxes): The User accesses and uses the Platform entirely at the User's own risk with respect to any fees and taxes. ORO Labs makes no warranty or representation that the information provided on the Platform regarding fees or tax implications is accurate, complete, or up-to-date. ORO Labs does not guarantee that any third-party fees or tax estimates shown (if any are provided) are correct or exhaustive. To the fullest extent permitted by the Applicable Law, ORO Labs disclaims all liability for any cost, expense, loss, or damage arising from fees or taxes connected to the User's use of the Platform or any third-party services.

6.1 ORO Labs shall collect, use, disclose, and otherwise process any Personal Data provided by You in accordance with its Privacy Policy and all Applicable Laws, including the PDPA. By accessing or using the Platform, You acknowledge and consent to the Privacy Policy. While ORO Labs implements reasonable technical and organisational measures to safeguard Personal Data in its possession or control, no system is completely secure, and ORO Labs provides no warranty against unauthorised access, loss, or misuse.

6.2 You acknowledge that the Platform may reference or connect to Third-Party Service Providers or external websites, including through integrations or embedded tools. Any Personal Data disclosed by You to such third parties, or collected by them through Your use of their services, is governed exclusively by their own privacy policies and terms. ORO Labs exercises no control over, and disclaims all responsibility for, the privacy practices, security safeguards, or processing activities of any Third-Party Service Provider. Your engagement with any such third party is entirely at Your own risk.

6.3 You understand that transmission of Personal Data over the internet or telecommunications networks may be subject to interception, loss, alteration, or unauthorised access. ORO Labs does not warrant the security or integrity of any data transmitted to or from the Platform outside its direct control. You are responsible for ensuring that any data shared by You is transmitted in a secure and appropriate manner.

6.4 To the fullest extent permitted by Applicable Law, ORO Labs shall not be liable for any loss, damage, unauthorised access, or misuse of Personal Data occurring outside its systems or arising from actions or omissions of Third-Party Service Providers. ORO Labs does not guarantee the accuracy, security, or legality of any third-party data practices, and shall not be responsible for any consequences arising from Your disclosure of Personal Data to such parties.

6.5 You are responsible for ensuring the accuracy, completeness, and lawfulness of any Personal Data You provide to ORO Labs or any Third-Party Service Provider via the Platform. You shall not upload or transmit the Personal Data of any other individual without proper legal authority or consent. You agree to indemnify and hold harmless ORO Labs from any claims, damages, losses, or liabilities arising out of or in connection with any breach of this clause 6 or violation of any Applicable Law relating to Personal Data.

6.6 Personal Data and usage information may be stored and processed in jurisdictions outside Your country of residence. By using the Platform, You consent to such cross-border data transfers, subject to safeguards outlined in our Privacy Policy.

6.7 ORO Labs may retain activity logs, audit trails, and user communications for legal, security, and operational purposes, including to comply with Applicable Law. By using the Platform, You consent to such retention and potential disclosure in accordance with the Privacy Policy.

7.1 You agree to maintain the confidentiality of all Confidential Information obtained in connection with Your access to or use of the Platform and not to disclose, share, or use it for any purpose other than as necessary to access and use the Platform in accordance with these Terms. Confidential Information means any non-public, proprietary, or sensitive information disclosed by or on behalf of ORO Labs, whether in written, oral, electronic, or any other form. This includes, without limitation:

7.2 The restrictions on disclosure under this clause shall not apply to:

7.3 You shall take all reasonable measures to protect ORO Labs' Confidential Information, applying at least the same degree of care as You would to safeguard Your own confidential information, but in no event less than a reasonable standard of care.

7.4 You acknowledge that any unauthorised disclosure or use of Confidential Information may cause irreparable harm to ORO Labs, and ORO Labs shall be entitled to seek injunctive relief or other equitable remedies in addition to any legal remedies available.

8.1 Unless expressly stated otherwise in writing, the Platform and all content contained therein or made available through it, including but not limited to the ORO Labs logo, branding, trademarks, designs, text, graphics, images, data, software, audiovisual materials, Intellectual Property, and the arrangement thereof (collectively, "ORO Labs Content"), are the proprietary property of ORO Labs or its licensors, as applicable.

8.2 ORO Labs and its licensors exclusively own all rights, title, and interest in and to the Platform and ORO Labs Content, including all associated Intellectual Property Rights. The Platform and its content are protected by trademark, copyright, and other Applicable Laws. The overall appearance, style, and branding of the Platform constitute the distinctive trademarks and trade dress of ORO Labs and its licensors.

8.3 Subject to Your eligibility to use the Platform and compliance with Applicable Laws and these Terms, ORO Labs grants You a limited, non-exclusive, revocable, non-transferable, non-assignable, non-sublicensable, royalty-free, personal licence to access and use the Platform and ORO Labs Content solely for informational and promotional purposes related to Your engagement with the Platform.

8.4 You must not do any of the following concerning ORO Labs Content:

8.5 If You become aware of any unauthorised use of ORO Labs Content in violation of clause 8.4, You must immediately notify ORO Labs at support@orogold.com.

8.6 If ORO Labs determines that You have violated these Terms, including any unauthorised use of ORO Labs Content, it may immediately revoke Your licence to use the Platform and take appropriate legal action. Such violations may also constitute breaches of Intellectual Property laws, communication regulations, and other applicable legal provisions.

8.7 Unless explicitly stated herein, nothing in these Terms shall be construed as granting You any rights to ORO Labs Content, whether by licence, estoppel, implication, or otherwise. ORO Labs reserves the right to revoke access to its Content at any time, with or without cause. This clause does not apply to User-generated content legally posted on the Platform, which remains subject to separate provisions under these Terms.

9.1 ORO Labs is not a trading platform, exchange, broker, dealer, financial advisor, custodian, asset manager, intermediary, or payment service provider, nor is it engaged in any other regulated or licensed activity relating to digital assets or financial products. The Platform is a non-custodial, informational user interface that enables Users to access certain technical integrations with independent third-party services, including those relating to $GOLD. ORO Labs does not promote, offer, solicit, facilitate, execute, process, or otherwise participate in any transaction, trade, or exchange involving digital assets, including but not limited to $GOLD. ORO Labs does not hold user funds or digital assets, and does not verify, settle, or supervise any transaction executed through any Trading Platform or otherwise through services provided by Third Party Service Provider.

9.2 You acknowledge and agree that ORO Labs is not licensed or regulated by the Monetary Authority of Singapore or any other financial regulatory authority in any jurisdiction, and that nothing made available through the Platform constitutes regulated financial advice, services, or activity. Use of the Platform is entirely at Your own discretion and risk.

9.3 ORO Labs acts solely as a technical interface for Your interaction with $GOLD and related services. We do not have possession, custody, or control of Your funds or digital assets at any time. ORO Labs is not involved in the execution of any transactions on Your behalf, and We do not create, issue, or hold $GOLD tokens or any other digital assets for users. Any transaction You conduct, asset You transfer, or value You hold (including in $GOLD) is entirely Your responsibility and is carried out through Third Party Service Providers.

9.4 The $GOLD tokens accessible via the Platform are issued by Third Party Service Providers. However, neither the Monetary Authority of Singapore nor any other regulatory authority has reviewed, approved, or endorsed the $GOLD tokens. $GOLD tokens are not bank deposits, legal tender, or securities qualified by a prospectus registered with Monetary Authority of Singapore, and they are not subject to any statutory compensation scheme. The Platform and the Services are not intended for distribution to, or use by, any person or entity in Singapore, or in any jurisdiction where access or use would be unlawful or require registration, licensing, or regulatory approval. ORO Labs reserves the right to restrict or terminate access in any such jurisdiction without notice.

9.5 All use of the Services and any engagement with $GOLD is at Your own risk. The Services are provided on an "as is" and "as available" basis without any warranty of any kind. ORO Labs disclaims all warranties and guarantees, express or implied, to the fullest extent permitted by Applicable Law. This disclaimer includes, without limitation, any warranties of merchantability, satisfactory quality, fitness for a particular purpose, non-infringement, and any warranties that the Services or $GOLD will meet Your requirements or expectations. ORO Labs does not warrant or guarantee that the Services will be uninterrupted, error-free, secure, or free of viruses or other harmful components, or that any information provided through the Services will be accurate, reliable, or complete. You assume full responsibility for any decisions or actions You take based on information or functionality available through the Services.

9.6 ORO Labs shall not be responsible or liable for the acts, omissions, or failures of any Third-Party Service Providers. ORO Labs does not endorse, guarantee, or assume responsibility for any services or information provided by such third parties. Your dealings with any Third-Party Service Provider are solely between You and that provider, and You engage with them at Your own risk. You bear full legal and financial responsibility for any loss, damage, or other consequences arising from You use of Third-Party Service Providers. ORO Labs hereby disclaims all liability for any issues or disputes arising from the actions or inactions of any Third-Party Service Provider, including their failure to properly execute transactions, safeguard assets, or comply with Applicable Laws.

9.7 You acknowledge and agree that digital tokens such as $GOLD carry a high degree of risk. Their value may fluctuate significantly and unpredictably over time, and may be affected by factors including, but not limited to, market volatility, trust in token mechanics, lack of liquidity, regulatory developments, and changes in macroeconomic conditions. There is no guarantee of profit, redemption, or value preservation, and You may suffer a total loss of funds. Past performance is not indicative of future results. You are solely responsible for determining whether $GOLD is suitable for You financial situation and risk tolerance. If You do not fully understand how digital assets operate, including the role of blockchain technology, smart contracts, custody mechanisms, or redemption procedures, You should not interact with such tokens.

9.8 You are solely responsible for complying with all Applicable Laws in connection with Your use of the Platform, including Applicable Law relating to digital assets, taxation, AML/CFT, securities, consumer protection, and cross-border activity. ORO Labs makes no representation that the Platform or $GOLD is appropriate, lawful, or available in any specific jurisdiction. You must not use the Platform in any jurisdiction where such use is restricted, unauthorised, or unlawful. ORO Labs shall not be liable for any claims, penalties, fines, or enforcement action brought against You as a result of any breach of Applicable Law. You are fully responsible for obtaining legal, financial, tax, and regulatory advice relevant to Your activities.

10.1 The availability, value, and use of $GOLD referenced on the Platform are subject to prevailing market conditions, the operational policies of independent Third-Party Service Providers, and Applicable Laws. ORO Labs does not issue, manage, hold, or redeem $GOLD, and makes no representations or warranties of any kind regarding its utility, stability, liquidity, price performance, legal classification, or future value.

10.2 You acknowledge and agree that the price, accessibility, and functionality of $GOLD may be significantly influenced by factors outside ORO Labs' control, including but not limited to fluctuations in market demand, shifts in economic sentiment, liquidity constraints, third-party performance, or changes in the Applicable Law or regulation. There is no assurance that $GOLD will retain any value or that it will remain tradable, transferable, or redeemable.

10.3 ORO Labs does not verify, or guarantee any claims made by Third-Party Service Providers or token issuers concerning the underlying gold backing of $GOLD, its storage, redemption terms, or regulatory treatment. Any assertions regarding $GOLD's equivalence to or exchangeability for physical gold, fiat currency, or other assets are the sole responsibility of the Third Party Service Providers.

10.4 By interacting with $GOLD, You acknowledge and accept the following risks:

10.5 ORO Labs does not provide any form of investment, legal, financial, tax, or other regulated advice. All references to $GOLD on the Platform are for general informational purposes only and shall not be construed as a recommendation, offer, or endorsement. You are solely responsible for assessing the nature, suitability, legality, and consequences of engaging with $GOLD. You should undertake Your own due diligence and consult with appropriately qualified independent advisers before making any decisions.

11.1 You agree to provide ORO Labs and/or any integrated Third-Party Service Provider with all information that may be reasonably requested for the purposes of identity verification, access control, and compliance with applicable AML/CFT, financial crime, and sanctions-related laws and regulations ("AML/CFT Requirements"). You acknowledge that You may be required to complete certain verification procedures before being permitted to access or use specific features of the Platform or services provided by Third-Party Service Providers.

11.2 You represent and warrant that all information, documents, and declarations provided during any onboarding or verification process are true, complete, and accurate, and that You have not withheld any material information that may affect ORO Labs' or any Third-Party Service Provider's assessment of Your eligibility. You shall promptly notify ORO Labs in writing of any changes to such information and shall provide any additional information or documentation as may be required under Applicable Laws or by ORO Labs or its integrated service partners.

11.3 You acknowledge that You may be required to undergo enhanced due diligence, including the submission of additional documentation, records, or information relating to Your identity, source of funds, and source of wealth. You may also be required to participate in additional verification steps or meetings as requested by ORO Labs or any relevant Third-Party Service Provider.

11.4 ORO Labs (or any service provider integrated into the Platform) is authorised to conduct, directly or through third parties, any inquiries, checks, or investigations it deems necessary to verify the accuracy and completeness of the information provided. You agree to cooperate fully with such inquiries and to furnish all requested information in a timely manner. Failure to do so may result in restricted access, suspension, or termination of Your ability to use the Platform or any Third-Party Services.

11.5 If You are unable to satisfy any applicable AML/CFT Requirements, ORO Labs reserves the right, at its sole discretion, to restrict, suspend, disable, or terminate Your access to the Platform or any integrated services, in whole or in part. ORO Labs may also deny any future attempts to access the Platform or its features.

11.6 Notwithstanding any other provision in these Terms, ORO Labs is under no obligation to permit any action, transaction, or interaction if, in its sole and reasonable opinion, doing so would result in a breach of any Applicable Law, including but not limited to AML/CFT Requirements, or expose ORO Labs to regulatory, reputational, or legal risk.

12.1 To the maximum extent permitted by Applicable Law, ORO Labs and its affiliates, founders, investors, directors, officers, employees, agents, contractors, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, exemplary, or other damages (including loss of profits, goodwill, or opportunity), whether in contract, tort (including negligence), equity, statute or otherwise, arising out of or in connection with:

12.2 Nothing in these Terms shall exclude or limit liability that cannot be lawfully excluded or limited under Applicable Law, including liability for fraud, gross negligence, or wilful misconduct. All limitations and disclaimers in these Terms are subject to this provision.

12.3 Subject to clause 12.2, and without prejudice to the disclaimers and exclusions above, ORO Labs' total aggregate liability to You, whether in contract, tort, equity, under statute, or otherwise, for any and all claims arising out of or in connection with Your use of the Platform or these Terms shall be limited to the lesser of:

12.4 These limitations of liability shall apply even if ORO Labs has been advised of the possibility of such damages or if the remedies otherwise available under these Terms fail of their essential purpose. You acknowledge and agree that these limitations are reasonable and form a material basis for ORO Labs' willingness to make the Platform available to You.

13.1 To the fullest extent permitted by Applicable Law, You agree to indemnify, defend, and hold harmless ORO Labs, its affiliates, group entities, and their respective directors, officers, employees, agents, investors, founders, successors, and assigns from and against any and all claims, liabilities, losses, damages, costs, and expenses (including, without limitation, reasonable legal fees and expenses) arising out of or related to:

13.2 Under this clause 13, You shall be fully responsible for reimbursing ORO Labs, its affiliates, parent company, subsidiaries, and their respective directors, officers, employees, contractors, agents, investors, founders, successors, and assigns (each a "Protected Party") for any and all losses, liabilities, damages, costs, and expenses incurred in connection with any matter covered by the indemnity, including legal fees and professional expenses on a full indemnity basis.

13.3 ORO Labs reserves the exclusive right, at its sole discretion and without limiting Your obligations under this clause 13, to assume the defence and control of any claim, action, or proceeding subject to indemnification. You agree to provide full cooperation and assistance to ORO Labs in connection with any such defence, and You shall not settle or compromise any claim or dispute without ORO Labs' prior written consent.

13.4 This indemnification obligation shall survive any termination or expiry of these Terms, and shall remain in effect for so long as any underlying liability, claim, or obligation may subsist.

14.1 These Terms (and any dispute or claim arising out of or in connection with them or their subject matter) shall be governed by and construed in accordance with the Applicable Laws of Singapore, without regard to its conflict of laws principles.

14.2 If the Applicable Laws of Your jurisdiction do not permit certain limitations of liability or exclusions of warranties, then such provisions shall apply only to the extent permitted by Applicable Law. Nothing in these Terms shall deprive You of any mandatory consumer protections available under local law.

15.1 Good Faith Resolution

ORO Labs and You agree to make reasonable efforts to resolve any Dispute in good faith before initiating arbitration, small claims court proceedings, or seeking equitable relief. If the parties fail to reach a resolution within the timeframes set out in clauses 15.2(b) and 15.2(c), either party may commence arbitration.

15.2 Mandatory Arbitration of Disputes

ORO Labs and You agree that any dispute, claim, or controversy arising out of or relating to these Terms—including any breach, termination, enforcement, interpretation, or validity thereof, or the use of the Services, Platform, or these Terms (collectively, "Disputes")—shall be resolved through the following dispute resolution process:

15.3 Notwithstanding the foregoing, ORO Labs reserves the right to initiate proceedings against You, including seeking injunctive or other equitable relief, in any court or venue of its choosing.

15.4 All Disputes shall be resolved on an individual basis. You and ORO Labs waive any right to bring or participate in a class, collective or representative action or arbitration. The arbitral tribunal shall have no authority to consolidate claims or grant relief on a class-wide basis.

16.1 Access Restriction: ORO Labs reserves the right, at its sole discretion, to restrict, suspend, or terminate access to the Platform for any reason, including blocking access from certain internet protocol addresses or devices.

16.2 Amendments to the Terms: Your use of the Platform is governed by the version of these Terms in effect at the time of use. ORO Labs reserves the right to update, modify, or amend these Terms at any time, without prior notice. Any changes will be posted on the Platform, and the revised Terms will take effect immediately upon posting. It is Your sole responsibility to review the Terms periodically to stay informed of any updates. In the event of material changes, ORO Labs will make reasonable efforts to notify You, such as by posting a notice on the Platform or sending an email to Your registered address. You may also be required to accept the revised Terms upon Your next login before accessing the Services. Your continued use of the Platform following any modifications constitutes Your acceptance of the revised Terms. If You do not agree with the changes, Your sole remedy is to discontinue use of the Services.

16.3 Assignment: You may not assign or transfer Your rights or obligations under these Terms without ORO Labs' prior written consent. Any attempt to do so shall be null and void. ORO Labs may freely assign or transfer its rights and obligations under these Terms without restriction.

16.4 Contact Information: For any inquiries, You may contact ORO Labs at support@orogold.com.

16.5 Entire Agreement: These Terms constitute the entire agreement between You and ORO Labs, superseding all prior oral or written agreements regarding the use of the Platform.

16.6 Force Majeure: ORO Labs shall not be liable for any failure or delay in performance due to circumstances beyond its reasonable control, including but not limited to:

16.7 Local Laws: You are solely responsible for complying with all Applicable Laws in Your jurisdiction, including those relating to tax, foreign exchange, reporting, and use of digital assets. It is Your responsibility to determine whether, and to what extent, any taxes apply to Your access to or use of the Platform or any Third-Party Services, and to withhold, collect, report, and remit the correct amounts of taxes to the appropriate tax authorities. ORO Labs does not provide tax advice and shall not be responsible for determining any User's tax obligations.

16.8 No Waiver: Failure by ORO Labs to enforce any right or provision under these Terms shall not constitute a waiver unless expressly acknowledged in writing. The exercise of any remedy under these Terms does not preclude the exercise of any other remedy available under the Applicable Law.

16.9 Notices: Unless stated otherwise, all notices under these Terms will be provided electronically via email. Notices shall be deemed received when an email delivery report or system record confirms receipt. If a notice is sent outside business hours (9:00 AM – 5:00 PM Singapore time), it will be deemed received on the next business day.

16.10 Set-Off: You acknowledge and agree that ORO Labs shall have the right, but not the obligation, to set off any amounts that You owe to ORO Labs (whether arising under these Terms or otherwise, whether present, future, actual, contingent, or prospective, and irrespective of the currency, payment method, or jurisdiction) against any amounts that ORO Labs may owe to You. You shall not have any right to set off any amounts owed by ORO Labs against any obligations You may have.

16.11 Severability: If any provision of these Terms is determined to be invalid, illegal, or unenforceable by a court or regulatory authority, such provision shall be severed, and the remaining provisions shall continue in full force and effect to the maximum extent permitted by the Applicable Law.

16.12 Survival: Any provisions of these Terms that by their nature should survive termination, including but not limited to confidentiality, limitation of liability, disclaimers, and indemnification, shall remain in full force and effect.

16.13 Third-Party Websites and Services: The Platform may contain links to third-party websites, applications, or services, which may be governed by separate terms and privacy policies. ORO Labs is not responsible for, and does not endorse, the terms, policies, or practices of any third party.

16.14 Public Statements: You shall not issue any press release, public filing or social-media statement referencing ORO Labs, the Platform or $GOLD without ORO Labs' prior written consent, except where required by law.

1.1 You acknowledge and agree that your use of the Platform, any interaction with $GOLD, and any engagement with Third-Party Service Providers (including via the Trading Platform) involve significant risks, including the potential for loss of the entire value of your digital assets.

1.2 Digital assets such as $GOLD are not legal tender, securities, or bank deposits. They are not backed by any government or central bank, and their value is determined solely by market supply and demand. There is no guarantee of stability, liquidity, or profitability.

1.3 Transactions in digital assets are highly speculative and volatile. Price swings may be extreme and sudden, and markets may be illiquid or subject to manipulation, regulatory intervention, or systemic failure. You may suffer substantial and irreversible losses, including total loss of your principal.

2.1 Volatility and Market Risk: The market value of digital assets is subject to extreme fluctuations. Even stable-value assets like $GOLD may experience significant volatility due to changing market sentiment, macroeconomic factors, or trust in the gold-backing mechanism. There is no assurance that $GOLD or any other asset accessible through the Platform will retain value over time.

2.2 Liquidity Risk: There may be limited or no active market for certain digital assets. Under adverse conditions, it may be difficult or impossible to buy, sell, or redeem assets at a desirable price or within a reasonable timeframe.

2.3 Technology and System Risk: Digital asset systems rely on blockchain technology and third-party platforms. These may suffer from bugs, security vulnerabilities, forks, outages, or cyberattacks, potentially resulting in permanent loss of access or funds. ORO Labs does not control the blockchain, smart contracts, or systems operated by Third-Party Service Providers.

2.4 Transaction Irreversibility: Blockchain transactions are final and irreversible. Incorrect wallet addresses, lost private keys, user error, or malicious activity may result in the permanent loss of your digital assets without the possibility of recovery.

2.5 Custody Risk: ORO Labs does not custody or control any fiat or digital assets directly. Custodial arrangements, if any, are provided by Third-Party Service Providers. ORO Labs does not audit or guarantee any representations made by such parties regarding the safekeeping or availability of assets.

2.6 Regulatory Risk: Digital assets may be subject to evolving regulatory frameworks. Changes in laws, regulations, enforcement policies, or regulatory interpretations could adversely impact your ability to use or redeem digital assets, or result in the suspension or termination of certain services.

2.7 Third-Party Service Dependency: ORO Labs does not provide, control, or assume responsibility for services provided by Third-Party Service Providers. Any failure, delay, fraud, insolvency, or regulatory action involving such parties may result in partial or total loss of your assets, or inability to access the Trading Platform or perform transactions.

2.8 Technological Disruption: Advancements in cryptography, computing (e.g., quantum computing), or artificial intelligence may compromise the security of blockchain protocols and digital asset infrastructures, resulting in a loss of digital assets or system failure.