Terms of Service

1. Acceptance of Terms

By accessing or using the PazaLabs website at pazalabs.io or any associated platform services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree, you must not access or use our Services.

These Terms apply to all visitors, prospective clients, institutional partners, and registered platform participants. Additional terms may apply to specific products or regulated services offered through the platform.

2. About PazaLabs

PazaLabs provides institutional-grade infrastructure for the tokenization of real-world assets ("RWAs") on blockchain networks. Our services include Mortgage-Backed Loan Pools, Hard Asset Tokenization, Evergreen Short-Term Asset Pools, and associated DeFi liquidity mechanisms. We operate in compliance with applicable securities laws and financial regulations, including SEC Regulation D and ESMA frameworks where applicable.

3. Eligibility

Access to PazaLabs' financial products and investment-related services is restricted to:

• Accredited investors as defined under applicable securities laws (e.g., SEC Rule 501 in the United States)
• Institutional investors, qualified purchasers, and professional clients as defined under relevant jurisdiction-specific regulations
• Entities that have completed PazaLabs' KYC/AML onboarding process
• Individuals and entities not subject to sanctions lists or located in prohibited jurisdictions

Use of the informational website (pazalabs.io) does not require accreditation, but access to regulated platform features does. By submitting a demo request or onboarding application, you represent that you meet applicable eligibility criteria.

4. No Investment Advice

Nothing on this website or within our platform communications constitutes investment advice, financial advice, trading advice, or any other type of advice. All content is for informational and marketing purposes only. PazaLabs does not act as an investment adviser, broker-dealer, or fiduciary. You should consult qualified legal, financial, and tax advisers before making any investment decision.

5. Risk Disclosure

Participation in tokenized real-world asset products involves material risks, including but not limited to:

• Loss of principal and investment risk associated with the underlying assets
• Liquidity risk — secondary market availability may be limited
• Regulatory risk — changes in law could affect the validity, transferability, or value of tokens
• Smart contract risk — blockchain-based systems may contain vulnerabilities
• Counterparty risk — originator or servicer default could affect cash flows
• Operational and technology risk — platform outages, hacks, or failures
• Valuation risk — independently valued assets may not reflect realizable value

Past performance of similar products is not indicative of future results. You should only participate with capital you can afford to lose.

6. Intellectual Property

All content on the PazaLabs website and platform — including text, graphics, logos, product names, architecture diagrams, software, and the PazaLabs brand identity — is the property of PazaLabs or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

PAZA token, PazaLabs, the PazaLabs cube mark, and associated brand elements are trademarks of PazaLabs. Unauthorized use is strictly prohibited.

7. Platform Use and Acceptable Conduct

When using our Services, you agree not to:

• Provide false, misleading, or fraudulent information during onboarding or in communications
• Attempt to circumvent KYC/AML controls, transfer restrictions, or access controls
• Use the platform for money laundering, terrorist financing, or any illegal purpose
• Reverse engineer, decompile, or extract source code from any part of our platform
• Interfere with or disrupt the platform's security or functionality
• Scrape, harvest, or systematically collect data from our platform without authorisation

8. Third-Party Services and Links

Our platform may integrate with or link to third-party services, blockchain networks, DeFi protocols, and external websites. PazaLabs does not control these third-party services and is not responsible for their content, accuracy, security, or availability. Your use of third-party services is governed by their respective terms and policies.

9. Limitation of Liability

To the fullest extent permitted by applicable law, PazaLabs and its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, loss of data, or loss of goodwill — arising from your use of or inability to use the Services, even if we have been advised of the possibility of such damages.

Our total aggregate liability for any claims arising out of these Terms or the Services shall not exceed the greater of (a) the fees paid by you to PazaLabs in the 12 months preceding the claim, or (b) USD $1,000.

10. Indemnification

You agree to indemnify and hold harmless PazaLabs and its affiliates, directors, officers, and employees from any claims, losses, liabilities, damages, costs, and expenses (including legal fees) arising from your violation of these Terms, your use of the Services, or your violation of any applicable law or third-party right.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page with a revised "last updated" date. Continued use of the Services after changes constitutes your acceptance of the updated Terms.

12. Governing Law and Dispute Resolution

These Terms are governed by applicable law in the jurisdiction where PazaLabs is registered. Any disputes arising from these Terms or the Services shall be subject to binding arbitration or the exclusive jurisdiction of competent courts in the applicable jurisdiction, as determined by PazaLabs at its sole discretion. Nothing in these Terms limits PazaLabs' right to seek injunctive or equitable relief.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions will continue in full force and effect.

14. Contact

For legal enquiries related to these Terms:

• Email: legal@pazalabs.io
• General: hello@pazalabs.io