BLOCKKOIN EARN & UBUNTU25 TERMS AND CONDITIONS

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Effective Date​​: 04/11/2025

Last Updated: 29/01/2026

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BLOCKKOIN (PTY) LTD

Authorised Financial Services Provider (FSCA): FSP 36012

Website: www.blockkoin.io

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These Terms and Conditions ("Terms") govern your participation in the Blockkoin Earn program (the "Program"), operated by Blockkoin (Pty) Ltd ("Blockkoin", "we", "us", or "our"). By creating an Account, depositing Digital Assets, allocating assets to the Program, or otherwise accessing or using the Program, you agree to be bound by these Terms, our general Platform Terms and Conditions (available at www.blockkoin.io/terms-conditions), and our Privacy Policy.

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1. Definitions

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• Account: A registered Blockkoin user account approved in accordance with applicable KYC/AML requirements.

• Digital Assets: Cryptocurrencies, stablecoins, or other blockchain-based assets supported by Blockkoin from time to time.

• Earn Program / Program: The Blockkoin Earn product allowing eligible users to earn rewards on supported Digital Assets.

• Rewards: Interest, yield, or other incentives earned through participation in the Program.

• User / You: Any individual or entity participating in the Program.

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2. Eligibility

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2.1 You must be at least 18 years old and have full legal capacity to enter into these Terms.

2.2 Participation is subject to successful completion of Blockkoin’s KYC/AML and compliance checks.

2.3 The Program may be restricted or unavailable in certain jurisdictions. You are solely responsible for ensuring that participation is lawful in your country of residence.

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3. Nature of the Program

3.1 The Program allows Users to allocate supported Digital Assets to Blockkoin in return for potential Rewards.

3.2 Digital Assets allocated to the Program may be used by Blockkoin for liquidity management, lending, staking, market-making, or other yield-generating activities.

3.3 Assets allocated to the Program are not held in custody on your behalf and may not be segregated.

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4. Rewards and Rates

4.1 Reward rates are variable unless expressly stated otherwise and may change at any time without prior notice.

4.2 Rewards accrue according to the methodology displayed on the Blockkoin platform and may be calculated daily and credited periodically.

4.3 Blockkoin does not guarantee any minimum return. Past performance is not indicative of future results.

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5. Deposits and Withdrawals

5.1 Minimum and maximum deposit amounts may apply.

5.2 Withdrawals may be subject to notice periods, lock-up terms, liquidity constraints, or processing delays.

5.3 Blockkoin reserves the right to suspend or limit withdrawals during periods of high volatility, system maintenance, or market disruption.

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6. Risks Disclosure

6.1 Participation in the Program involves significant risk, including but not limited to:

• Market volatility

• Counterparty risk

• Liquidity risk

• Smart contract or protocol risk

• Regulatory or legal risk

6.2 Digital Assets are not legal tender, are not backed by any government, and are not covered by deposit insurance schemes.

6.3 You may lose some or all of your allocated Digital Assets.

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7. No Investment Advice

7.1 Nothing in the Program or on the Blockkoin platform constitutes investment, financial, legal, or tax advice.

7.2 You are solely responsible for assessing whether participation is suitable for your circumstances.

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8. Fees

8.1 Blockkoin may charge fees related to deposits, withdrawals, or Program participation.

8.2 Applicable fees will be disclosed on the platform and may be updated from time to time.

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9. Suspension and Termination

9.1 Blockkoin may suspend or terminate your access to the Program at any time, with or without notice, including where required for compliance, security, or risk management reasons.

9.2 Upon termination, outstanding Rewards may be forfeited where permitted by law.

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10. Limitation of Liability

10.1 To the maximum extent permitted by law, Blockkoin shall not be liable for any direct or indirect loss, including loss of profits, data, or Digital Assets, arising from participation in the Program.

10.2 Blockkoin does not warrant uninterrupted or error-free operation of the Program.

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11. Indemnity

You agree to indemnify and hold harmless Blockkoin from any claims, losses, or damages arising from your participation in the Program or breach of these Terms.

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12. Regulatory Status

12.1 Blockkoin is not a bank, collective investment scheme, or regulated deposit-taking institution.

12.2 The Program should not be construed as a savings account or investment fund.

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13. Ubuntu25 Product Addendum

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13.1 Ubuntu25 Overview

Ubuntu25 is a product offered under the Blockkoin Earn framework. Ubuntu25 is a settlement liquidity programme and is not a staking product, investment product, savings account, or guaranteed return arrangement.

13.2 Express Acceptance – Ubuntu25

By allocating any eligible Fiat or Digital Assets to the Ubuntu25 programme through the Blockkoin platform, the Account Holder expressly acknowledges, confirms, and agrees that:

(a) they have read, understood, and accepted the Blockkoin Platform Terms & Conditions, the Blockkoin Earn Terms & Conditions, and this Ubuntu25 Product Addendum in full;

(b) participation in Ubuntu25 is entirely voluntary and initiated at the Account Holder’s sole discretion;

(c) Ubuntu25 is a settlement liquidity programme and not a staking product, investment product, savings account, or guaranteed return arrangement;

(d) returns are projected, variable, and not guaranteed, and capital may be partially or wholly lost;

(e) allocated assets may be utilised by Blockkoin solely for settlement liquidity, FX, and payment continuity purposes, subject to operational and compliance constraints;

(f) withdrawals are subject to operational liquidity, compliance checks, and applicable minimum allocation periods as disclosed on the Platform;

(g) any BKR Real-World Asset (RWA) incentive that may be issued is discretionary, non-guaranteed, and governed by a separate disclosure document;

(h) Blockkoin does not provide financial, legal, tax, or investment advice; and

(i) the Account Holder remains solely responsible for assessing suitability, legality, and tax consequences.

The act of allocating assets constitutes conclusive evidence of acceptance of these terms.

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14. Amendments

Blockkoin may amend these Terms at any time. Continued participation after updates constitutes acceptance of the revised Terms.

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15. Governing Law

These Terms are governed by the laws of the Republic of South Africa, unless otherwise required by applicable regulations.

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16. Contact Information

For questions regarding these Terms or the Program, contact Blockkoin support via the official platform channels.

By participating in Blockkoin Earn (including Ubuntu25), you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

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Blockkoin Earn+

Institutional-Grade Custody & Projected Yield

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Service Overview

Blockkoin Earn+ is a premier custodial service allowing users to commit digital assets for fixed or flexible periods. All assets are held in secure, institutional-grade environments, providing a professional path to asset growth.