# ARMA Docs

> ARMA Documentation

### Smart Account Architecture

At the core of ARMA's security framework is its self-custodial smart account architecture. Each smart account is automatically created during activation and remains under the complete control of the user's wallet. This architecture ensures that Giza never has access to private keys or funds, while enabling secure management of deposited assets and protocol interactions. The smart account serves as a secure foundation for all of ARMA's automated operations.

### Session Keys

ARMA utilizes advanced session key technology to enable automated yield optimization while maintaining robust security. These keys grant specific, limited permissions for interacting with selected protocols and operate within strict time-bound authorizations. Users maintain full control, with the ability to revoke permissions at any time. All operations are secured through smart contract permissions, ensuring that session keys can never access user funds directly.

### Execution Module

ARMA's execution module orchestrates all agent operations with maximum efficiency. This component handles the precise scheduling of transactions, optimizes timing for protocol interactions, and ensures reliable execution of all operations. The module operates as the operational backbone of ARMA, coordinating all automated actions while maintaining security and performance.


### Overview

The ARMA 15% APR Distribution System implements a proactive reward mechanism that guarantees users receive a fixed 15% Annual Percentage Rate (APR). When your wallet's performance falls below the 15% target, you automatically receive $GIZA tokens to compensate for the difference.

The system operates on a weekly schedule with distributions every Monday. Token snapshots are taken at 11:00 AM UTC, and rewards are made available at 4:00 PM UTC the same day. You can choose to receive tokens directly to your wallet or have them automatically staked on your behalf.

### APR Calculation Methodology

To calculate the APR for each wallet, we analyze the complete performance history during the analysis period, dividing it into sub-periods based on deposits made since each new deposit changes the capital base. For each sub-period, we calculate the return using:

```
Sub-period Return = (End_Value / Start_Value) - 1
```

We then compound all sub-period returns and annualize the result:

```
APR = [(1 + Total_Return)^(1/Time_Years) - 1] × 100
```

This approach ensures precise measurement of each wallet's actual performance, properly accounting for deposit timing.

### Setting the 15% APR Target

We compare each wallet's current APR against our 15% annualized target. Only active wallets at the end of each period, performing below 15% APR, are eligible for compensation tokens, ensuring all active participants have the opportunity to be part of the campaign.

### Calculating Compensation Tokens

We calculate the difference between what each wallet's value should be at 15% APR versus its actual value. This "performance deficit" is compensated with tokens at current market price:

```
Target Value = P₀ × (1 + 0.15)^t + Σ(Dᵢ × (1 + 0.15)^(tᵢ))
Tokens Needed = (target_value - actual_value) / token_price
```

Where:

* **P₀** is initial capital
* **Dᵢ** are deposits
* **t** represents time in years

### Example Calculation

A wallet starts with $1,000 on Day 1 and adds $500 on Day 3 during a 7-day analysis period (token\_price = $0.11):

1. **Initial $1,000 grows for 7 days:**
   ```
   $1,000 × (1 + 0.15)^(7/365) = $1,003
   ```

2. **Additional $500 grows for 4 days:**
   ```
   $500 × (1 + 0.15)^(4/365) = $501
   ```

3. **Target Value:**
   ```
   Target_Value = $1,003 + $501 = $1,504
   ```

4. **Compensation Calculation:**
   ```
   If Actual_Value = $1,501
   Tokens_Needed = ($1,504 - $1,501) / $0.11 = 27 tokens
   ```

### Distribution Process

#### Weekly Schedule

The distribution follows a consistent weekly timeline:

* **Monday 11:00 AM UTC**: Block snapshot is taken for calculations
* **Monday 11:00 AM - 4:00 PM UTC**: API calculations and transaction preparation
* **Monday 4:00 PM UTC**: Rewards become available for distribution

#### How You Receive Rewards

You have two options for receiving your compensation tokens:

1. **Direct Transfer**: Tokens are sent directly to your EOA wallet address
2. **Automatic Staking**: Tokens are automatically staked on your behalf for additional rewards

You can configure your preference through the ARMA interface.


### Overview

ARMA's infrastructure is built on a self-custodial smart account architecture that ensures complete user control over their funds. Using account abstraction technology, the system guarantees that Giza never has access to users' private keys or funds while enabling automated yield optimization.

The agent continuously evaluates lending rates across protocols and automatically rebalances positions to capture the highest yields. When more profitable opportunities arise in different tokens, ARMA performs automated asset swaps to maximize returns while considering all associated costs.

Security and control are maintained through session key-based authorization, allowing ARMA to execute specific operations while keeping user funds secure. The intuitive dashboard provides real-time performance monitoring, detailed transaction history, and comprehensive reporting. Users maintain complete control with one-click withdrawal available at any time.


**What protocols does ARMA interact with?**

ARMA optimizes yields across multiple lending protocols in Base.

**What tokens can I deposit?**

USDC is supported. Minimum deposit is 10 USDC in Base.

**How does ARMA make decisions?**

ARMA uses an off-chain logic to monitor lending rates across protocols and automatically moves funds to the highest-yielding opportunities when profitable. ARMA determines optimal timing for position changes and executes moves only when the yield difference justifies transaction costs.

**How safe are my funds?**

Your funds remain under your control through a smart account. ARMA never has access to your private keys or wallet, and can only interact with approved protocols. The smart account architecture ensures only you maintain control of your funds.

**What are the fees?**

10% success fee on generated yield, charged upon withdrawal. No deposit or withdrawal fees.

**Can I withdraw and deactivate ARMA anytime?**

Yes. You can deactivate ARMA at any time and receive your funds in your original deposit token.

**How do I monitor performance?**

The dashboard shows your current balance, earnings, APR, and complete transaction history.

**What happens to accrued yield?**

All accrued yield is automatically claimed, converted, and compounded to maximize returns.

**Does Giza have access to my wallet?**

No. Giza never has access to your private keys, seed phrases, or wallet permissions. We use smart account technology that delegates only specific protocol interactions for yield optimization.


### Fee Structure

ARMA operates on a performance-based model with a 10% success fee applied only to the yield generated from your position. This fee is calculated and charged upon withdrawal, with complete transparency provided through the dashboard's detailed fee calculation display.

### Protocol Rewards Management

The agent automatically handles reward collection from all integrated protocols, ensuring no yield is left unclaimed. These rewards are distributed to you upon withdrawal along with your principal and generated yield.

### Token Management

ARMA is designed to be user-friendly with no deposit or withdrawal fees. Regardless of which protocols or tokens are used during yield optimization, you'll always receive your funds back in your original deposit token upon withdrawal, providing predictability and convenience.


### Prerequisites

To begin using ARMA, you'll need a compatible Web3 wallet such as MetaMask, Rainbow, Coinbase Wallet, or Rabby. ARMA accepts deposits in USDC with a minimum amount of 10 USDC. The platform is designed to be accessible to both experienced DeFi users and newcomers to yield optimization.

### Activation

**Connecting Your Wallet**

Getting started with ARMA is straightforward. Simply click "Connect Wallet" on the platform interface, select your preferred wallet provider from the supported options, and approve the connection request

This establishes the secure connection needed for all future interactions with ARMA.

**Creating Your Smart Account**

ARMA utilizes smart account technology to enhance security and enable automated operations. When you first activate ARMA, a smart account is automatically created and configured to delegate specific protocol interactions to the agent. This wallet technology uses your existing wallet as a secure way to sign transactions.

Consider naming it "ARMA Smart Account" for easy reference.

This one-time setup process includes signing the required permissions to enable ARMA's automated features.

**Initial Deposit**

ARMA's architecture accepts deposits from any blockchain network, making it convenient to fund your position. Select your deposit token (USDC), specify the amount you wish to deposit and approve.

The platform supports direct deposits from Ethereum mainnet, streamlining the funding process.

**Setting Agent Parameters**

Once funded, you'll configure your agent's operating parameters.

This includes confirming which protocols ARMA will interact with and setting your preferred timeframe for agent operations.

**Activate Agent**

Once you set your agent parameters, you can move forward with activating your agent.

This will authorize the transfer of your tokens to your secure smart account and one-time session key creation allowing ARMA to perform yield optimization operations. Your funds will now be automatically managed by ARMA for optimal yields.

### Monitoring

ARMA provides comprehensive monitoring tools to track your position's performance. The dashboard displays your total balance and earnings, including percentage gains since activation. Performance charts offer flexible timeframe options from daily to yearly views, enabling detailed analysis of your position's growth.

Your current position details are clearly displayed, showing initial deposit amount, activation date, current protocol allocation, and APR. The platform maintains a complete transaction history, providing a chronological record of all agent actions with detailed information including transaction types, amounts, and verification status.

### Deactivation

You maintain full control over your position with a simple deactivation process. When initiated, ARMA efficiently unwinds your positions, converts assets back to your original deposit token, and revokes all session keys. The process includes automated calculation and collection of any accrued performance fees, ensuring a clean and complete withdrawal of your funds.


### Key Terms

**APR (Annual Percentage Rate):** The yearly interest rate earned from lending, not accounting for compounding effects.

**Compound Interest:** Interest earned on both initial deposit and accumulated interest, accelerating yield growth.

**Lending Protocol:** Platform where users can lend assets to earn yield.

**Liquidity Pool:** Collection of funds locked in a lending protocol available for borrowing.

**Base Network:** Layer 2 blockchain where ARMA operates.

**Yield Additional:** tokens distributed by lending protocols as incentives for participation.

**Rebalancing:** Process of moving assets between protocols to optimize returns.

**Session Keys:** Time-limited permissions that allow ARMA to interact with protocols on your behalf.

**Smart Account:** Next-generation wallet enabling automated protocol interactions through smart contracts.

**Smart Contract:** Self-executing code on the blockchain that automates and secures transactions.

**TVL (Total Value Locked):** Total amount of assets deposited in the protocols ARMA interacts with.


### Agent Strategy

ARMA employs a sophisticated optimization system that maximizes stablecoin yields through continuous monitoring and automated rebalancing. The agent analyzes real-time lending rates across protocols while considering total APR, transaction costs, and optimal timing for position changes. This comprehensive approach ensures each automated decision contributes to maximizing your returns while maintaining efficiency.

### APR Optimization

The yield optimization operates through three integrated mechanisms. The agent performs real-time rate analysis across all supported protocols, standardizing rates and accounting for supply/demand dynamics to enable accurate comparisons. This is coupled with smart rebalancing logic that continuously evaluates opportunities and executes moves only when profitable after considering all associated costs.

The integration with audited protocols enables automated lending interactions and reward token management. Based on extensive backtesting, this sophisticated optimization approach has demonstrated up to 2x yield enhancement compared to traditional static positions.

### Auto-compounding Mechanism

To maximize yield generation, ARMA implements a smart auto-compounding strategy. The agent automatically claims and reinvests accrued yields, converting all reward tokens back to your original stablecoin. The compounding frequency is dynamically optimized based on your position size, current APR, and transaction costs, ensuring maximum efficiency while minimizing unnecessary operations.


### What is ARMA?

ARMA is an autonomous yield optimization agent designed to maximize returns on stablecoin deposits across Base's leading lending protocols. ARMA continuously monitors and evaluates opportunities across protocols like AAVE, Morpho, Compound, Moonwell and more. ARMA automatically reallocates funds to the highest-yielding pools, taking into account APR, protocol rewards and ecosystem rewards while minimizing transaction costs and maintaining robust security and full user control.


Version: 1.0

This privacy policy ("**Privacy Policy**") explains the basis for our collection of personal data when you access our user interface ("**Giza UI**") for the machine learning software and algorithms ("**Agent Logic Software**" or "**Agent**"), or when you communicate with us or otherwise deal with us, and sets out how we use your personal data, the conditions under which we disclose it to others and the measures we take to keep it secure. In addition, we may inform you about the processing of your personal data separately, for example in consent forms, terms and conditions, additional privacy policies, forms, and other notices. We use the word "**data**" here interchangeably with "**personal data**".

If you provide information to us about you or any person other than yourself, you must ensure that the data is accurate and that these other people understand how their data will be used, that they have given their permission for you to disclose it to us and for you to allow us, and our service providers, to use it. You are welcome to provide them with a copy of this Privacy Policy.

### 1. Controller

The responsible person for processing your data under this Privacy Policy ("**Controller**") unless we tell you otherwise in an individual case is:

**GIZATECH Ltd**\
Bahnhofstrasse 20\
6300 Zug\
Switzerland

You may contact us regarding data protection matters and to exercise your rights at \[email address].

### 2. Data Collection and Purpose of Data Processing

We process the following data about you for the purposes outlined below:

#### 2.1 Giza UI

When you access the Giza UI, we collect data that is necessary for its functionality and security.

The data collected includes: IP address; information about the operating system of your end device; cookies; referrer URL; amount of data transferred; date, region, and time of the server request; location data; websites accessed or from which access is made; browser type and version; name of your Internet provider; protocols; etc.

#### 2.2 Blog

We publish a blog on the Giza UI and offer you the opportunity to publish blog posts and to comment on other blog posts. The data collected from you in this context is collected by us to ensure the functionality of the blog function.

The data collected includes: name; first name; email address; blog post content; etc.

#### 2.3 Communication

When you contact us by email, letter, telephone, or other means of communication, we collect the data exchanged between you and us for the purposes of communicating with you and providing our services to you, in particular to respond to your enquiries. By providing us with this data, you acknowledge that we use your data in accordance with this Privacy Policy.

The data collected includes: contact details; type, manner, place and time of communication; content of communication; etc.

#### 2.4 Marketing and Innovation

We process your data for marketing and business activities in relation to the Giza UI and the Agent, in particular to further develop the Agent, the Giza UI, and other platforms on which we operate. In addition, we and selected third parties may use your data to show you personalised content or advertising if and to the extent that you give us your consent, provided this is required by applicable law. You can object to such marketing activities or withdraw your consent at any time (see also Section 11 below).

#### 2.5 Safety or Security Reasons

We process your data to protect our IT and other infrastructure. For example, we process data for monitoring, analysis and testing of our networks and IT infrastructures including access controls.

#### 2.6 Compliance with Law and Legal Procedures

We process your data to comply with legal requirements, to fulfil tax obligations, etc., and we might have to request further information from you to comply with such requirements or as otherwise required by law and legal authorities. Furthermore, we may process your data for the enforcement of legal claims and for the defence in legal disputes and official proceedings.

#### 2.7 Risk Management, Corporate Governance and Business Development

We process your data as part of our risk management and corporate government in order to protect us from criminal or abusive activity. As part of our business development, we might sell businesses, parts of businesses or companies to others or acquire them from others or enter into partnerships and this might result in the exchange and processing of data based on your consent, if necessary.

#### 2.8 Cookies

The Giza UI uses cookies, and we may also allow certain third parties to do so. Cookies are text files that are stored on your device (computer, laptop, smartphone, etc.) and that are necessary for the use of the Giza UI as such or certain functions or that enable the analysis of the use of our Giza UI.

You can configure your browser in such a way that no cookies are stored on your computer or a message always appears before a cookie is installed. Please note that deactivation of cookies may result in the Giza UI not functioning or not functioning completely.

#### 2.9 Third-Party Offerings

The Giza UI may contain third-party offerings. Please note that when you use such link, your data such as IP address, personal browser settings, etc., are transmitted to these third parties. We have no control over, do not review and cannot be responsible for these third-party websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these third-party websites or their content, or to any collection of your data after you click on links to such third-party websites. We encourage you to read the privacy policies of every website you visit. Any links to third-party websites or locations are for your convenience and do not signify our endorsement of such third parties or their products, content, or websites.

#### 2.10 Plug-Ins

We do not use plug-ins on the Giza UI. If the Giza UI contains icons from other third-party providers (e.g. Twitter/X, Discord), we only use theses for passive linking to the pages of the respective providers.

#### 2.11 Third-Party Platforms

We operate accounts on third-party platforms like Twitter/X, Discord. If you communicate with us via our accounts or otherwise interact with our accounts on these third-party platforms, your data will also be processed according to the privacy policies of the respective platform. Please find further information on the purpose and scope of data collection and processing by the third-party providers in their respective privacy policies.

### 3. Legal Basis for Data Processing

Where we asked for your consent, we process your data based on such consent. Where we did not ask for your consent and where required under applicable law, we process your data on other legal grounds, such as:

* a contractual obligation;
* a legal obligation;
* a vital interest of the data subject or of another natural person;
* to perform a public task;
* our legitimate interest.

### 4. Transfer of Data to Third Parties

As part of our data processing, we may share your data with third parties, in particular to the following categories of recipients:

#### Service Providers

We may share your information with service providers and business partners around the world with whom we collaborate to fulfil the above purposes (e.g. IT provider, advertising service provider, security companies, telecommunication companies, lawyers) or who we engage to process data for any of the purposes listed above on our behalf and in accordance with our instructions only.

#### Contractual Partners

If required by the respective contract, we will pass on your data to other contractual partners (e.g. third-party offerings in the user engagement system; third-party vouchers and gift cards), dealers, subcontractors, etc.

#### Acquirers of Business

We may disclose your data to acquirers or parties interested in acquiring business units, companies, or other parts of GIZATECH Ltd.

#### Legal Authorities

We may pass on data to offices, courts, and other authorities if we are legally obliged or entitled to do so or if this appears necessary to protect our interests. The authorities are responsible for processing data about you that they receive from us.

### 5. Disclosure of Data Abroad

The data that we collect from you may be transferred to, processed, and stored in, a country outside the European Economic Area (EEA) or Switzerland. In view of the EEA or Switzerland the law in some of those countries may not offer an adequate level of data protection. We only transfer data to these countries when it is necessary for the performance of a contract or for the exercise or defence of legal claims, or if such transfer is based on your explicit consent or subject to safeguards that assure the protection of your data, such as the US-EU Data Privacy Framework, the US-CH Data Privacy Framework and/or the Standard Contractual Clauses approved by the European Commission (SCCs), adjusted according to Swiss law, all of the aforementioned if applicable and required.

### 6. Profiling and Automated Decision Taking

We analyse aspects of your individual's personality, behaviour, interest and habits make predictions or decisions about them for the purposes laid out in Section 2, e.g. to perform statistical analysis or to prevent misuse and security risks. This analysis identifies correlations between different behaviours and characteristics to create profiles for individuals. For example, we may use profiling to determine in which services you might be interested. We may also use profiling to assess your creditworthiness. We do not use profiling that can produce legal effects concerning you or similarly significantly affect you without human review.

### 7. On-Chain Data

When you use blockchains, you acknowledge that your wallet address and other data/information provided by your transactions, which are considered personal data if relating to an identified or identifiable natural person, are permanently and publicly stored on-chain, which means such data is publicly available to anyone. Neither we, nor any third party, has any power to delete such data published by its users to the blockchain. If you want to ensure that your privacy rights are not affected in any way, you should not transact on blockchains as certain rights may not be available or exercisable by you or us due to the technological infrastructure of the blockchain.

You hereby release and indemnify us of any liability associated with data that you transferred to the blockchain.

### 8. Blockchain

When accessing the Giza UI, you acknowledge that neither the DeFi protocol nor any decentralized automated smart agreement applications deployed thereon are controlled and/or operated by us. We do not act as an administrator or operator of the DeFi protocols, decentralized automated smart agreement applications, and do not have access to the digital assets that are held in your third-party wallet, decentralized automated smart agreement applications and/or in the smart contracts of the DeFi Protocols.

### 9. Connected Wallets

The Giza UI uses "thirdweb", a service created by Non-Fungible Labs, Inc. (with registered offices in the US). Thirdweb allows you to connect third-party wallets to the Giza UI in order to use the Agent. Non-Fungible Labs, Inc. is solely responsible for processing the data associated with connecting your third-party wallet with the Giza UI. No personal data or wallet information is collected or processed by us during the connection of your third-party wallet and we have no access to or involvement in the data processing carried out by Non-Fungible Labs, Inc. We are therefore not responsible for any data processing activities undertaken by Non-Fungible Labs, Inc. For further information on the purpose and scope of data collection and processing by Non-Fungible Labs, please refer to the respective privacy policy of Non-Fungible Labs, Inc.

### 10. Retention and Storage of Data

We only process your data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of complying with legal retention requirements and where required to assert or defend against legal claims, until the end of the relevant retention period or until the claims in question have been settled. Upon expiry of the applicable retention period, we will securely destroy your data in accordance with applicable laws and regulations.

### 11. Data Security

We take appropriate organizational and technical security measures to prevent your data from being accidentally lost, used, or accessed in an unauthorized way, altered, or disclosed. However, we and your data can still become victims of cyber-attacks, cybercrime, brute force, hacker attacks and further fraudulent and malicious activity including but not limited to viruses, forgeries, malfunctions, and interruptions which is out of our control and responsibility. We have also put in place procedures to deal with any suspected data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

### 12. Your Rights

To the extent provided for by applicable law, you may request information free of charge about the data processed relating to you, its origin and recipients and the purpose of the data processing. You may also have the right to correction, deletion, restriction, or objection to processing, as well as to the transfer of the data to another controller. Furthermore, you can revoke your consent at any time with effect for the future. All you need to do is send us an informal email to the above address.

Please note that the foregoing rights are subject to legal restrictions and may interfere with or make impossible the provision of our services.

### 13. Amendment of this Privacy Policy

Due to continuous development of the Giza UI and the contents thereof, changes in law or regulatory requirements, we might need to change this Privacy Policy from time to time. Our current Privacy Policy can be found on the Giza UI.

October 30, 2024


### Smart Account Security

ARMA's security foundation is built on a self-custodial architecture that ensures users maintain exclusive control over their funds. The system is designed so that Giza never stores or has access to private keys, while session keys operate under strict time and protocol limitations. All smart contracts undergo rigorous audits, and users can instantly revoke permissions, providing an additional layer of security and control.

### Access Controls

The platform implements a sophisticated wallet-to-wallet authentication system where admin rights are exclusively restricted to the user's wallet. Session keys operate under carefully defined parameters, limiting interactions to specifically approved protocols, predetermined timeframes, and predefined actions with maximum transaction limits. The system is designed to prevent catch-all permissions ensuring robust security at every level.

### Risk Management

ARMA employs a comprehensive risk management framework that starts with limiting protocol exposure to carefully selected platforms. All operations maintain complete transparency through detailed transaction histories and status tracking. The platform focuses on stable lending yields and ensures users can always return to their original token upon withdrawal. Regular security audits and comprehensive system monitoring create a secure operational environment with full traceability of all actions.


## Privacy Policy

Version: 1.0

This privacy policy ("**Privacy Policy**") explains the basis for our collection of personal data when you access our user interface ("**Giza UI**") for the machine learning software and algorithms ("**Agent Logic Software**" or "**Agent**"), or when you communicate with us or otherwise deal with us, and sets out how we use your personal data, the conditions under which we disclose it to others and the measures we take to keep it secure. In addition, we may inform you about the processing of your personal data separately, for example in consent forms, terms and conditions, additional privacy policies, forms, and other notices. We use the word "**data**" here interchangeably with "**personal data**".

If you provide information to us about you or any person other than yourself, you must ensure that the data is accurate and that these other people understand how their data will be used, that they have given their permission for you to disclose it to us and for you to allow us, and our service providers, to use it. You are welcome to provide them with a copy of this Privacy Policy.

### 1. Controller

The responsible person for processing your data under this Privacy Policy ("**Controller**") unless we tell you otherwise in an individual case is:

**GIZATECH Ltd**\
Bahnhofstrasse 20\
6300 Zug\
Switzerland

You may contact us regarding data protection matters and to exercise your rights at \[email address].

### 2. Data Collection and Purpose of Data Processing

We process the following data about you for the purposes outlined below:

#### 2.1 Giza UI

When you access the Giza UI, we collect data that is necessary for its functionality and security.

The data collected includes: IP address; information about the operating system of your end device; cookies; referrer URL; amount of data transferred; date, region, and time of the server request; location data; websites accessed or from which access is made; browser type and version; name of your Internet provider; protocols; etc.

#### 2.2 Blog

We publish a blog on the Giza UI and offer you the opportunity to publish blog posts and to comment on other blog posts. The data collected from you in this context is collected by us to ensure the functionality of the blog function.

The data collected includes: name; first name; email address; blog post content; etc.

#### 2.3 Communication

When you contact us by email, letter, telephone, or other means of communication, we collect the data exchanged between you and us for the purposes of communicating with you and providing our services to you, in particular to respond to your enquiries. By providing us with this data, you acknowledge that we use your data in accordance with this Privacy Policy.

The data collected includes: contact details; type, manner, place and time of communication; content of communication; etc.

#### 2.4 Marketing and Innovation

We process your data for marketing and business activities in relation to the Giza UI and the Agent, in particular to further develop the Agent, the Giza UI, and other platforms on which we operate. In addition, we and selected third parties may use your data to show you personalised content or advertising if and to the extent that you give us your consent, provided this is required by applicable law. You can object to such marketing activities or withdraw your consent at any time (see also Section 11 below).

#### 2.5 Safety or Security Reasons

We process your data to protect our IT and other infrastructure. For example, we process data for monitoring, analysis and testing of our networks and IT infrastructures including access controls.

#### 2.6 Compliance with Law and Legal Procedures

We process your data to comply with legal requirements, to fulfil tax obligations, etc., and we might have to request further information from you to comply with such requirements or as otherwise required by law and legal authorities. Furthermore, we may process your data for the enforcement of legal claims and for the defence in legal disputes and official proceedings.

#### 2.7 Risk Management, Corporate Governance and Business Development

We process your data as part of our risk management and corporate government in order to protect us from criminal or abusive activity. As part of our business development, we might sell businesses, parts of businesses or companies to others or acquire them from others or enter into partnerships and this might result in the exchange and processing of data based on your consent, if necessary.

#### 2.8 Cookies

The Giza UI uses cookies, and we may also allow certain third parties to do so. Cookies are text files that are stored on your device (computer, laptop, smartphone, etc.) and that are necessary for the use of the Giza UI as such or certain functions or that enable the analysis of the use of our Giza UI.

You can configure your browser in such a way that no cookies are stored on your computer or a message always appears before a cookie is installed. Please note that deactivation of cookies may result in the Giza UI not functioning or not functioning completely.

#### 2.9 Third-Party Offerings

The Giza UI may contain third-party offerings. Please note that when you use such link, your data such as IP address, personal browser settings, etc., are transmitted to these third parties. We have no control over, do not review and cannot be responsible for these third-party websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these third-party websites or their content, or to any collection of your data after you click on links to such third-party websites. We encourage you to read the privacy policies of every website you visit. Any links to third-party websites or locations are for your convenience and do not signify our endorsement of such third parties or their products, content, or websites.

#### 2.10 Plug-Ins

We do not use plug-ins on the Giza UI. If the Giza UI contains icons from other third-party providers (e.g. Twitter/X, Discord), we only use theses for passive linking to the pages of the respective providers.

#### 2.11 Third-Party Platforms

We operate accounts on third-party platforms like Twitter/X, Discord. If you communicate with us via our accounts or otherwise interact with our accounts on these third-party platforms, your data will also be processed according to the privacy policies of the respective platform. Please find further information on the purpose and scope of data collection and processing by the third-party providers in their respective privacy policies.

### 3. Legal Basis for Data Processing

Where we asked for your consent, we process your data based on such consent. Where we did not ask for your consent and where required under applicable law, we process your data on other legal grounds, such as:

* a contractual obligation;
* a legal obligation;
* a vital interest of the data subject or of another natural person;
* to perform a public task;
* our legitimate interest.

### 4. Transfer of Data to Third Parties

As part of our data processing, we may share your data with third parties, in particular to the following categories of recipients:

#### Service Providers

We may share your information with service providers and business partners around the world with whom we collaborate to fulfil the above purposes (e.g. IT provider, advertising service provider, security companies, telecommunication companies, lawyers) or who we engage to process data for any of the purposes listed above on our behalf and in accordance with our instructions only.

#### Contractual Partners

If required by the respective contract, we will pass on your data to other contractual partners (e.g. third-party offerings in the user engagement system; third-party vouchers and gift cards), dealers, subcontractors, etc.

#### Acquirers of Business

We may disclose your data to acquirers or parties interested in acquiring business units, companies, or other parts of GIZATECH Ltd.

#### Legal Authorities

We may pass on data to offices, courts, and other authorities if we are legally obliged or entitled to do so or if this appears necessary to protect our interests. The authorities are responsible for processing data about you that they receive from us.

### 5. Disclosure of Data Abroad

The data that we collect from you may be transferred to, processed, and stored in, a country outside the European Economic Area (EEA) or Switzerland. In view of the EEA or Switzerland the law in some of those countries may not offer an adequate level of data protection. We only transfer data to these countries when it is necessary for the performance of a contract or for the exercise or defence of legal claims, or if such transfer is based on your explicit consent or subject to safeguards that assure the protection of your data, such as the US-EU Data Privacy Framework, the US-CH Data Privacy Framework and/or the Standard Contractual Clauses approved by the European Commission (SCCs), adjusted according to Swiss law, all of the aforementioned if applicable and required.

### 6. Profiling and Automated Decision Taking

We analyse aspects of your individual's personality, behaviour, interest and habits make predictions or decisions about them for the purposes laid out in Section 2, e.g. to perform statistical analysis or to prevent misuse and security risks. This analysis identifies correlations between different behaviours and characteristics to create profiles for individuals. For example, we may use profiling to determine in which services you might be interested. We may also use profiling to assess your creditworthiness. We do not use profiling that can produce legal effects concerning you or similarly significantly affect you without human review.

### 7. On-Chain Data

When you use blockchains, you acknowledge that your wallet address and other data/information provided by your transactions, which are considered personal data if relating to an identified or identifiable natural person, are permanently and publicly stored on-chain, which means such data is publicly available to anyone. Neither we, nor any third party, has any power to delete such data published by its users to the blockchain. If you want to ensure that your privacy rights are not affected in any way, you should not transact on blockchains as certain rights may not be available or exercisable by you or us due to the technological infrastructure of the blockchain.

You hereby release and indemnify us of any liability associated with data that you transferred to the blockchain.

### 8. Blockchain

When accessing the Giza UI, you acknowledge that neither the DeFi protocol nor any decentralized automated smart agreement applications deployed thereon are controlled and/or operated by us. We do not act as an administrator or operator of the DeFi protocols, decentralized automated smart agreement applications, and do not have access to the digital assets that are held in your third-party wallet, decentralized automated smart agreement applications and/or in the smart contracts of the DeFi Protocols.

### 9. Connected Wallets

The Giza UI uses "thirdweb", a service created by Non-Fungible Labs, Inc. (with registered offices in the US). Thirdweb allows you to connect third-party wallets to the Giza UI in order to use the Agent. Non-Fungible Labs, Inc. is solely responsible for processing the data associated with connecting your third-party wallet with the Giza UI. No personal data or wallet information is collected or processed by us during the connection of your third-party wallet and we have no access to or involvement in the data processing carried out by Non-Fungible Labs, Inc. We are therefore not responsible for any data processing activities undertaken by Non-Fungible Labs, Inc. For further information on the purpose and scope of data collection and processing by Non-Fungible Labs, please refer to the respective privacy policy of Non-Fungible Labs, Inc.

### 10. Retention and Storage of Data

We only process your data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of complying with legal retention requirements and where required to assert or defend against legal claims, until the end of the relevant retention period or until the claims in question have been settled. Upon expiry of the applicable retention period, we will securely destroy your data in accordance with applicable laws and regulations.

### 11. Data Security

We take appropriate organizational and technical security measures to prevent your data from being accidentally lost, used, or accessed in an unauthorized way, altered, or disclosed. However, we and your data can still become victims of cyber-attacks, cybercrime, brute force, hacker attacks and further fraudulent and malicious activity including but not limited to viruses, forgeries, malfunctions, and interruptions which is out of our control and responsibility. We have also put in place procedures to deal with any suspected data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

### 12. Your Rights

To the extent provided for by applicable law, you may request information free of charge about the data processed relating to you, its origin and recipients and the purpose of the data processing. You may also have the right to correction, deletion, restriction, or objection to processing, as well as to the transfer of the data to another controller. Furthermore, you can revoke your consent at any time with effect for the future. All you need to do is send us an informal email to the above address.

Please note that the foregoing rights are subject to legal restrictions and may interfere with or make impossible the provision of our services.

### 13. Amendment of this Privacy Policy

Due to continuous development of the Giza UI and the contents thereof, changes in law or regulatory requirements, we might need to change this Privacy Policy from time to time. Our current Privacy Policy can be found on the Giza UI.

October 30, 2024


## Terms & Conditions

Version: 1.0

These terms of use ("**Terms**") are entered into between Gizatech Ltd, a company limited by shares established under the laws of Switzerland and domiciled in Zug, Switzerland ("**Gizatech**", "**we**" or "**us**") and the users ("**User**", "**you**" or "**your**").

The following Terms together with any documents incorporated by reference herein, govern your access to the machine learning software and algorithms ("**Agent Logic Software**" or "**Agent**") for your automated smart contract applications ("**Smart Accounts**") that interact with decentralized finance (DeFi) protocols and the use of our user interface ("**Giza UI**") for the Agent.

By accessing or using the Agent Logic Software and the Giza UI (including any Updates), you agree to be bound by the terms and conditions set forth below. We reserve the right to modify these Terms at any time at its sole discretion. In this case, we will provide notice by changing the "last updated" date above. By continuing to access or use the Agent Logic Software and/or the Giza UI, you confirm that you accept these updated Terms and all documents incorporated therein by reference. If you do not agree with these Terms, please immediately cease all use of the Agent Logic Software and the Giza UI.

Other terms outside of these Terms may apply to you (vis-à-vis the respective third-parties) if you use and access other websites linked on the Giza UI. Such other terms apply separately or in addition to these Terms (vis-à-vis the respective third-parties). The same applies for user interfaces and agent logic software offered by third parties. We are not responsible and/or liable for any aspect of and/or for any damages arising out of or related to any kind of products or services provided by third-parties.

The accuracy, completeness, or usefulness of information presented on our Giza UI is not guaranteed and we disclaim any liability and warranty with respect to the same.

### 1. Eligibility and Restricted Jurisdictions

By accessing or using the Agent Logic Software and the Giza UI, you represent and warrant that you:

* have the right, authority, and legal capacity to accept these Terms and that you are of the legal majority age in your country or jurisdiction of residence;
* will not access and/or use the Agent Logic Software and the Giza UI if the laws of your countries of residency and/or citizenship prohibit you from doing so in accordance with these Terms;
* are not subject to personal sanctions issued by the UN, US, EU or Switzerland;
* only access or use the Agent Logic Software and the Giza UI for your own personal use; and
* are not accessing or using the Agent Logic Software and the Giza UI from one of the countries embargoed or restricted by the Swiss State Secretariat for Economic Affairs (SECO) (if your country is embargoed or restricted can be found out under the following [link](https://www.seco.admin.ch/seco/de/home/Aussenwirtschaftspolitik_Wirtschaftliche_Zusammenarbeit/Wirtschaftsbeziehungen/exportkontrollen-und-sanktionen/sanktionen-embargos/sanktionsmassnahmen.html)) ("**Restricted Jurisdictions**").

We reserve the right to technically restrict the access to the Agent Logic Software and the Giza UI including the content provided on the Giza UI based on your geographical location.

### 2. Agent Logic Software

#### 2.1 Overview

The use of the Agent Logic Software enables you to automate the execution of your trading strategies ("**Strategies**") in relation to third-party DeFi protocols ("**DeFi Protocols**") by enabling your Smart Accounts (as defined in Section 3) to query and process data generated by the Agent Logic Software.

#### 2.2 Agent Logic Software and Strategies

The Agent Logic Software is an off-chain software that generates data and standardized transaction messages ("**Sign Requests**") in relation to the Strategies. Sign Requests are sent to the connected Smart Accounts for signature and execution (see Section 8). The Sign Requests are generated in accordance with the pre-defined Strategies in relation to the DeFi Protocols accepted by you.

By using the Agent Logic Software, you understand and accept that we make no representations, warranties or covenants with respect to the quality, purpose, result or performance of any Sign Requests and/or data generated by the Agent Logic Software.

### 3. Smart Accounts

#### 3.1 Overview

Smart Accounts are smart contracts that sign and trigger the execution of the Sign Requests. The Smart Accounts are deployed and controlled by your external owned account ("**EOA**" or "**Wallet**") and are able to access, hold and interact with your digital assets associated with your EOA within your defined permissions ("**Permissions**") by using the session keys ("**Session Keys**") generated by your EOA. Session Keys enable the Smart Accounts to sign Sign Requests in an automated manner, thereby triggering the execution of on-chain transactions. You acknowledge and understand that transactions that are signed by your Smart Accounts are executed on the underlying blockchain networks without our involvement. We do not execute transactions on your behalf, we do not control the execution of transactions initiated by you and we do not take any responsibility and shall not be liable regarding said transactions.

The Smart Contacts and the Session Keys will always remain under the control of your EOA and you will be able to redefine and/or revoke Permissions at any time.

#### 3.2 Smart Accounts and DeFi Protocols not Operated by Gizatech

Neither the Smart Accounts nor the DeFi Protocols are controlled and/or operated by us. We do not act as an administrator or operator of the DeFi Protocols, Smart Accounts and/or Sessions Keys, and do not have access to the digital assets that are held in your EOA, Smart Accounts and/or in the smart contracts of the DeFi Protocols.

You understand and acknowledge that when your Smart Account is signing a Sign Request (i.e., providing liquidity, swapping, or depositing digital assets on DeFi Protocols), you are not interacting with us, but directly with the DeFi Protocols. Furthermore, we do not store, send, support you in the transfer of, or receive your digital assets when your Smart Account is signing Sign Requests.

We do not assume any responsibility or liability for the functioning and operation of the Smart Accounts, DeFi Protocols, their individual components, or for any of your digital assets.

We further make no representations, warranties or covenants with respect to the Smart Accounts and DeFi Protocols (or any implementations and/or components thereof), including, but not limited to, with regard to their technical properties and/or characteristics or performance, or their actual or potential usefulness or suitability for any particular purpose.

### 4. Use of Agent Logic Software and the Giza UI

#### 4.1 Right of Use

Subject to your compliance with the terms of these Terms and for the Term as set forth herein, we grant you a personal, limited, non-exclusive, non-transferable, non-assignable right to access and use the Agent Logic Software through the Giza UI (including Updates – see section 5 below) solely for the Designated Purpose as described in Section 4.2 below.

#### 4.2 Designated Purpose

You have the right to use the Agent Logic Software through the Giza UI for the sole purpose of deploying and using your own Smart Account ("**Designated Purpose**").

#### 4.3 Agent Fees

The access of the Giza UI is free of charge. By using the Agent Logic Software, you may be required to pay a usage fee ("**Agent Fee**") to us. The specific structure may vary depending on the specific Agent Logic Software used and the chosen Strategies, as each Agent Logic Software is subject to its own fee model. The applicable Agent Fees will be visible and reflected on the Giza UI.

By accessing the Giza UI and using Agent Logic Software, you acknowledge and agree that the Agent Fee is non-refundable under any circumstances.

#### 4.4 Restrictions

You must not access or use the Agent Logic Software or the Giza UI except as permitted by the terms of the Terms, in particular, but without limitation, the Designated Purpose, and must not do or authorise the commission of any act that would or might invalidate or be inconsistent with Gizatech's intellectual property rights in the Agent Logic Software or the Giza UI. Without limiting the foregoing provisions, you agree and acknowledge that you must not and will not permit any person to:

* resell, assign, transfer, distribute or provide others with access to the Agent Logic Software or the Giza UI;
* "frame", "mirror" or serve Agent Logic Software or the Giza UI on any web server or other computer server over the internet or any other network;
* copy, alter, modify, create derivative works from, reproduce, resell, transfer to a third party, reverse assemble, reverse engineer, reverse compile or enhance the Agent Logic Software or the Giza UI;
* alter, remove or tamper with any trademarks, any patent or copyright notices, or any confidentiality legend or notice, or any numbers, or other means of identification used on or in relation to Agent Logic Software or the Giza UI.

### 5. Updates and Upgrades

We may update or upgrade the Agent Logic Software and/or the Giza UI at any time, in our sole discretion. Upgrades or update ("**Updates**") may involve improvements or enhancements of the current versions as well as adding new or discontinuing current features.

We will notify you prior to the implementation of an Update (pop-up or other way of notification we deem appropriate) along with information regarding the particular Update. Every implementation of an Update is subject to your prior consent. If you chose not to consent to an Update, you will be able to continue using the current version.

It is solely your responsibility to keep your hardware as well as software (that may be required) updated to ensure compatibility with the Agent Logic Software and the Giza UI.

### 6. User Responsibilities, further Acknowledgements and Obligations

The responsibility for the use of the Agent Logic Software and the Giza UI, rests entirely with you. You shall ensure compliance with any applicable laws and regulations.

You are responsible for the selection, use, and maintenance of the computer systems on which the Agent Logic Software is accessed through the Giza UI as well as for additional programs, data systems, and related services.

You acknowledge and understand that you may at any time stop using or accessing the Agent Logic Software and the Giza UI.

You acknowledge and understand that you may only access the Agent Logic Software through the Giza UI. We will not share any software code with you.

You acknowledge and agree that you are responsible for all users using the Giza UI and the Agent Logic Software in the context of the usage rights granted under the Terms;

You must not use the Smart Account, the Agent Logic Software and the Giza UI in any way which is in breach of any applicable statute, regulation, law or legal right of any person.

You must not introduce malicious programs into the Agent Logic Software or the Giza UI;

### 7. Intellectual Property Rights

You are only entitled to the rights of use defined in these Terms. All other rights, in particular intellectual property rights (such as copyrights, trademarks, designs, patents, in each case whether registered or not) as well as all other rights that are not expressly granted to you hereunder, (in particular, regarding the Giza UI and the Agent Logic Software) shall remain exclusively with us. The Agent Logic Software and the Giza UI contain information, ideas, concepts and processes, in particular with regard to the processing of data for particular applications, which are our sole property.

You shall use the Agent Logic Software only for the Designated Purpose and shall, except with our prior written consent, not provide access to or otherwise make the Agent Logic Software or the underlying source available to any third parties, whether in whole or in part.

### 8. Access to the Giza UI: Connecting Your EOA to the Giza UI and Smart Accounts

In order to deploy and interact with your Smart Accounts via the Giza UI, you must first connect one of the third-party EOA listed under the "Connect" tab to the Giza UI. EOA or Wallets store and manage the private keys to the blockchain addresses that were created with the Wallet or manually imported into the EOA. As these EOA store the private keys which are required to sign transactions on-chain, they can be used to execute transactions and publish them to the underlying blockchain networks.

When you connect your EOA, the Giza UI will ask for permission to deploy Smart Accounts. During this process, you will be able to define the Permissions and your EOA will generate the Session Keys. You can modify these Permissions at any time in the settings of your EOA or via the Giza UI. Please note that you can only interact with Smart Accounts that are both managed by your EOA and connected to the Giza UI.

The use of EOA is subject to the terms and conditions of the respective provider. We have no control over the blockchain addresses that are managed by your EOA and connected to the Giza UI and no ability to access any assets that are held thereon. You are solely responsible for the security of the EOA, your Smart Accounts and Session Keys as well as the corresponding private keys and passwords. We do not assume any responsibility for the connected EOA, regardless of whether or not they are used to effectuate transactions and shall not be liable for any damages arising out of or related to your use of the EOA or your inability to connect or use the EOA and/or Smart Accounts to execute transactions.

Your interactions with the Smart Accounts and DeFi Protocols may be subject to the payment of the following fees ("**Blockchain Fees**"):

* **Gas Fees**: All interactions with the underlying blockchain networks require the payment of a network transaction fee ("**Gas Fee**") which is paid to the validators of the underlying blockchain networks. The Gas Fee required to execute a transaction depends on the activity on the underlying blockchain networks and is entirely outside of our control.

* **DeFi Protocol Fees**: You may be required to pay fees ("**DeFi Protocol Fees**") for interactions with the DeFi Protocols. The DeFi Protocol Fees are entirely outside of our control.

By interacting with your Smart Accounts through the Giza UI and using the Agent Logic Software for the generation of Sign Requests, you acknowledge and agree that the Blockchain Fees are non-refundable under any circumstances. You also understand and accept that the Blockchain Fees required to execute transactions are subject to circumstances beyond our control.

### 9. Term and Termination

These Terms enters into force upon your use of the Agent Logic Software and/or access to the Agent UI for an indefinite period of time until terminated by one of the Parties as set forth below ("**Term**").

We have the right to terminate these Terms at any time with immediate effect (without prior notice).

You have the right to terminate these Terms at any time with immediate effect (without prior notice) by revoking the Permissions of your Smart Accounts.

If we terminate these Terms, we may cease your access and use of the Agent Logic Software and the Giza UI right away, without prior notice. In this case, you will no longer be able to use the Agent Logic Software and you will no longer need to pay Agent Fees. In any case, in the event of termination, you shall have no claim against us.

### 10. Risks

By accessing or using Giza UI, the Agent Logic Software and/or interacting with your Smart Accounts, you understand and accept the risks connected to Agent Logic Software, the Giza UI, and the Smart Accounts. In particular, but not exhaustively, you understand the inherent risks listed hereinafter:

* We do neither control the public blockchains that you are interacting with, nor any smart contracts and protocols, including but not limited to Smart Accounts, EOA, and the DeFi Protocols, that may be integral to your ability to complete transactions on these public blockchains. On-chain transactions may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable. Some transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that you have initiated the transaction;

* You acknowledge and accept that we do not control any of the output generated by the Agent Logic Software (including, but without limitation, Sign Requests) as well as the transactions that are signed and executed by your Smart Accounts and that we make no representations, warranties or covenants with respect to the quality, purpose, result or performance of any Sign Requests and/or data generated by the Agent Logic Software and subsequent transactions.

* You understand and accept that we reserve the right to stop the Agent Logic Software and/or Giza UI at any time for any reason, at our sole discretion (see Section 9 above).

### 11. General Disclaimers and Disclaimed Warranty

We do not guarantee that the Agent Logic Software, the Giza UI, including but not limited to its individual components such as the Sign Requests and Strategies, are free from defects, errors, bugs, and security vulnerabilities or that it will be available at any time. The access to and use of Agent Logic Software and the Giza UI as well as the Smart Accounts is made at your own risk. We give no assurance that any features and functionalities of the Agent Logic Software, the Giza UI will satisfy your requirements, provide the intended results, meet any security, performance or reliability standards. You understand and agree that the Agent Logic Software, the Giza UI are provided on an "as is" and "as available" basis and that we expressly disclaim all warranties or conditions of any kind, whether express, implied, statutory or otherwise. The Agent Logic Software and the Giza UI and its individual components may contain bugs, defects or errors. We may discontinue the development of the Agent Logic Software and the Giza UI at any time for regulatory, commercial, or other reasons, in any case, at our sole discretion.

### 12. Limitation of Liability

Our liability is limited to direct damages arising out of acts of intent and gross negligence. Any liability for indirect damages or consequential damages, including loss of profit, and/or damages arising out of negligent conduct, to the maximum extent permitted by applicable law, is expressly excluded. We do not assume any responsibility for the use of the Giza UI and Agent Logic Software and Smart Accounts, and interactions with the Agent Logic Software and the Smart Accounts and shall not be liable for any damages arising out of or related to your access and/use of the Agent Logic Software, the Smart Accounts and the Giza UI.

### 13. Indemnification

You agree to indemnify, and hold us harmless, against all liabilities, damages, costs, expenses and claims (including third party claims) arising out of or in connection with your breach of the Terms, in particular, but without limitation, breach or non-compliance with your obligations and warranties set out in Section 6 above.

### 14. Personal Data

For information about how we handle your personal information, please see our privacy policy at \[link].

### 15. Miscellaneous

#### 15.1 User Feedback

We appreciate and encourage you to provide feedback to the Agent Logic Software and the Giza UI. If you provide feedback, you agree that we are free to use it and may permit others to use it without any restriction or compensation to you.

#### 15.2 Taxes

It is your sole responsibility to seek relevant tax advice to comply with any applicable tax obligations in whichever jurisdiction and to measure the tax impact of the use of the Agent Logic Software, the Smart Accounts and the use of any features offered thereon.

If any taxes, fees, or other charges are levied in connection with the use of the Agent Logic Software, the Agents and the use of any features offered thereon in any jurisdiction, it is your solely responsible for bearing and paying such taxes, fees, or charges. You agree to comply with all applicable tax laws and regulations related to the use of the Agent Logic Software, the Smart Accounts and the use of any features offered thereon and to indemnify and hold us harmless from any liability arising from its failure to pay such taxes, fees, or charges.

The Agent Fees mentioned in Section 4.3 are exclusive of VAT. It is within the full discretion of us or any party levying the Agent Fees to decide whether VAT is due on such payment and whether VAT is added to the corresponding Agent Fee.

#### 15.3 No Assignment

You shall not assign, transfer or otherwise deal with all or any of its rights or obligations under this Agreement without our prior written consent.

#### 15.4 Entire Agreement and Severability

These Terms contain the entire agreement between us and you regarding the subject matter hereof and supersedes all understandings and agreements whether written or oral. If any provision of these Terms is invalid, illegal, or unenforceable in any jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other provision of these Terms or invalidate or render unenforceable such provision in any other jurisdiction. Upon such determination that any provision is invalid, illegal, or unenforceable, these Terms shall be modified to effectuate the original intent of the parties as closely as possible.

#### 15.5 Governing Law and Jurisdiction

These Terms shall be governed and construed in accordance with the substantive laws of Switzerland excluding the Swiss conflict of law rules. The application of the United Nations Convention on Contracts for the International Sale of Goods shall be excluded. Any dispute arising out of or in conjunction with these Terms shall be submitted to the exclusive jurisdiction of the ordinary courts of Zug, Switzerland.

#### 15.6 Class Action Waiver

To the fullest extent permitted by any applicable law, you waive your right to participate in a class action lawsuit or a class-wide arbitration against us or any individual or entity involved in the provision of the Agent Logic Software, the operation of the Giza UI and the use of Smart Accounts.

October 30, 2024