⚠️ IMPORTANT DISCLAIMERS - PLEASE READ CAREFULLY

CatReads is strictly a technology platform that provides automated trading tools. We are NOT:

• Financial advisors, brokers, or investment professionals
• Registered with any financial regulatory authority
• Providing investment advice, recommendations, or financial guidance
• Endorsing any trading strategy or token
• Responsible for your trading decisions or outcomes

ALL INFORMATION PROVIDED BY CATREADS IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. This includes but is not limited to:

• Trading statistics and leaderboards
• Historical performance data
• Squad trading signals
• Market data and price information
• Any content in our Discord server or platform

By using CatReads, you explicitly acknowledge and agree that:

• You are solely responsible for all trading decisions
• Past performance does not indicate or guarantee future results
• You should conduct your own research before trading
• You may lose all funds deposited in your vault
• Cryptocurrency trading is highly speculative and volatile
• You should never trade with funds you cannot afford to lose
• You are responsible for your own tax obligations

1. Non-Custodial DeFi Protocol Nature

Fundamental Architecture:

• CatReads operates as a non-custodial, decentralized finance (DeFi) protocol
• We provide software interfaces to interact with smart contracts on the Solana blockchain
• We are NOT a Virtual Asset Service Provider (VASP) or Crypto Asset Service Provider (CASP)
• We do NOT fall under MiCA regulations as we do not provide custodial services
• Users maintain complete control over their digital assets at all times

What This Means For You:

• Self-Custody: You hold your own private keys and control your funds entirely
• Direct Blockchain Interaction: Your trades execute directly on-chain via smart contracts
• No Intermediation: We never take possession, custody, or control of your assets
• Vault Ownership: Your trading vault is a smart contract YOU control with YOUR wallet
• Irreversible Actions: All blockchain transactions are final and cannot be reversed by us
• No Account Recovery: Lost private keys mean permanent loss of access - we CANNOT help

Regulatory Exemptions: As a non-custodial DeFi protocol, CatReads is specifically designed to operate outside the scope of:

• MiCA (Markets in Crypto-Assets) regulations
• CASP (Crypto Asset Service Provider) requirements
• Traditional KYC/AML requirements for custodial services
• VASP (Virtual Asset Service Provider) registration requirements

You acknowledge that using a non-custodial protocol means:

• You are your own bank and bear full responsibility
• No entity can help recover lost funds or reverse transactions
• You must secure your own wallet and private keys
• You interact directly with blockchain smart contracts at your own risk

2. Acceptance of Terms

By accessing or using CatReads ("Service", "Platform", "Bot"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

Age Requirement: You must be at least 18 years old and legally capable of entering into contracts in your jurisdiction.

Jurisdiction: You are responsible for ensuring that your use of CatReads complies with all laws in your jurisdiction. We make no representation that the Service is appropriate or available in all locations.

3. Service Description

CatReads provides:

• Non-custodial cryptocurrency trading vaults on Solana
• Discord bot for trade execution and monitoring
• Copy trading functionality (squad trading)
• Trading statistics and leaderboards
• Integration with decentralized exchanges via Jupiter

4. Fees, Commissions, and Refund Policy

Fee Structure

The Platform charges the following fees:

• Trading Commission: 1.42% per trade (buy or sell)
• Vault Creation: 0.005 SOL one-time fee
• Network fees: Variable based on Solana network congestion
• No deposit or withdrawal fees

Refund Policy

No Refunds Policy: Due to the decentralized and automated nature of our service:

• Trading commissions are automatically deducted by smart contracts and CANNOT be refunded
• Vault creation fees are blockchain transactions and CANNOT be reversed
• Network fees go to Solana validators, not CatReads, and CANNOT be refunded
• Failed transactions due to slippage, network issues, or user error are NOT refundable
• Losses from trading, including copy trading, are NOT refundable

Exceptional Circumstances:

• In the rare event of a proven platform error that directly caused fees to be charged incorrectly, we may, at our sole discretion, provide account credits (not refunds)
• Any credits or compensations are provided as goodwill gestures and do not constitute an admission of liability
• We have no obligation to provide refunds, credits, or compensation under any circumstances

Chargebacks: Initiating a chargeback or payment dispute for blockchain services may result in immediate account termination and permanent ban from the platform.

5. Comprehensive Risk Disclosure

Technology Risks

• Smart Contract Status: Our smart contracts may be unaudited and could contain vulnerabilities
• Platform Stage: CatReads is experimental software that may contain bugs
• Network Dependencies: Solana network issues can affect trading execution
• Third-Party Risks: We rely on external services (Jupiter, RPCs) that may fail
• Oracle Risks: Price feed inaccuracies could affect trade execution

Trading Risks

• Total Loss Risk: You can lose 100% of deposited funds
• Memecoin Volatility: Extreme price swings of 50-90% are common
• Liquidity Risk: Low liquidity can result in significant slippage
• Rug Pull Risk: Projects may be scams or abandoned
• MEV/Sandwich Attacks: Your trades may be front-run by bots
• Impermanent Loss: Providing liquidity carries additional risks

Platform-Specific Risks

• Copy Trading: Following others means trusting their judgment completely
• Automated Execution: Trades execute automatically without confirmation
• Discord Dependency: Service disruptions affect trading ability
• No Stop Losses: Positions remain open until manually closed
• Slippage: Actual execution prices may differ significantly from expected

6. Prohibited Activities

You may not:

• Use the Service for any illegal activities or money laundering
• Manipulate or attempt to manipulate markets
• Exploit bugs or vulnerabilities in the platform
• Reverse engineer, hack, or attack the platform infrastructure
• Create multiple accounts to circumvent limits or restrictions
• Use the Service if you are under 18 years old
• Trade sanctioned tokens or interact with sanctioned addresses
• Use the Service from prohibited jurisdictions
• Engage in wash trading or other deceptive practices
• Impersonate CatReads staff or other users
• Use automated scripts or bots without authorization

Violation Consequences: Any violation may result in immediate account termination, vault closure, and reporting to relevant authorities.

7. Squad Trading Rules and Disclaimers

When participating in squad trading:

• You acknowledge trades are executed automatically based on Discord signals
• You understand that following traders' calls is entirely at your own risk
• Squad leaders ("cattraders") are NOT financial advisors or professionals
• Historical performance data is NOT indicative of future results
• You can opt-out of squad trading at any time via Discord commands
• Signal providers have no fiduciary duty to you
• You may experience significant losses from copy trading
• Delays in signal execution may result in worse prices

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE EXPLICITLY DISCLAIM ALL WARRANTIES INCLUDING:

• Merchantability and fitness for a particular purpose
• Continuous, uninterrupted, or error-free service
• Accuracy of price information or trade execution
• Profitability of any trades or strategies
• Security of smart contracts or third-party services
• Compatibility with your systems or requirements
• Protection against losses, hacks, or exploits

You accept the Service with all faults and assume total responsibility for your use.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

CATREADS, ITS DEVELOPERS, AFFILIATES, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR:

• Any trading losses or missed opportunities
• Smart contract failures, hacks, or exploits
• Third-party service failures or interruptions
• Network congestion or failed transactions
• Loss of private keys or wallet access
• Incorrect trade execution or slippage
• Acts of God, war, terrorism, or other force majeure events
• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities

Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless CatReads, its developers, employees, affiliates, and service providers from and against all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any laws or regulations
• Your trading activities and their outcomes
• Your negligence or willful misconduct
• Any third-party claims related to your actions

11. Privacy and Data Protection

Your use of our Service is governed by our Privacy Policy. Key points:

• We collect minimal data necessary for service operation
• We never request or store private keys
• Blockchain transactions are public and permanent
• We may share data when legally required

GDPR Rights: EU users have rights to access, correct, and delete personal data as outlined in our Privacy Policy.

12. Regulatory Compliance and User Responsibilities

Your Compliance Obligations

As a user, you are solely responsible for:

• Complying with all applicable laws in your jurisdiction
• Determining whether crypto trading is legal in your location
• Reporting and paying taxes on all trading gains
• Maintaining records for tax purposes
• Ensuring you are not a restricted person under sanctions

Restricted Jurisdictions

The Service is not available in jurisdictions where it may be prohibited, including but not limited to:

• Countries under international sanctions
• Jurisdictions where cryptocurrency trading is illegal
• Any location where our Service would violate local laws

No Regulatory Approval

CatReads is not registered with or approved by any financial regulatory authority. We operate as a decentralized technology provider only.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes become effective immediately upon posting unless otherwise stated.

• Material changes will be announced via Discord or platform notification
• Continued use after changes constitutes acceptance
• If you disagree with changes, you must stop using the Service
• We are not obligated to maintain previous versions of Terms

14. Termination

By CatReads: We may suspend or terminate your access for:

• Violation of these Terms
• Suspected fraudulent or illegal activity
• Risk to the platform or other users
• Legal or regulatory requirements
• Extended inactivity

By You: You may terminate by:

• Closing your vault and withdrawing funds
• Deleting your account through Discord
• Ceasing use of the Service

Effect of Termination: Upon termination, you must withdraw funds immediately. We are not responsible for assets left in vaults after termination.

15. Dispute Resolution

Arbitration Agreement

Any disputes shall be resolved through binding arbitration under the rules of the International Chamber of Commerce (ICC), except where prohibited by law.

Class Action Waiver

You waive any right to bring claims as a class representative or participate in class actions against CatReads.

Governing Law

These Terms are governed by the laws of [Jurisdiction], without regard to conflict of law principles.

Limitation Period

Any claims must be brought within one (1) year of the event giving rise to the claim.

16. Force Majeure

CatReads is not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to:

• Acts of God, natural disasters, or pandemic
• War, terrorism, or civil unrest
• Government actions or regulatory changes
• Blockchain network failures or attacks
• Internet or power outages

17. Miscellaneous

Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and CatReads.

Severability

If any provision is found unenforceable, the remaining provisions continue in full force.

No Waiver

Failure to enforce any right or provision does not constitute a waiver of that right.

Assignment

You may not assign your rights under these Terms. We may assign our rights to any successor or affiliate.

Survival

Provisions regarding liability, indemnification, and dispute resolution survive termination.

18. Contact Information

For questions about these Terms or the Service:

• Discord: Join our support server https://discord.com/invite/ePz3NmwEAC
• Email: support@catreads.io
• Response Time: We aim to respond within 48-72 hours

19. Acknowledgment and Consent

BY USING CATREADS, YOU ACKNOWLEDGE THAT:

• You have read and understood these Terms in their entirety
• You accept all risks associated with cryptocurrency trading
• You are not relying on CatReads for financial advice
• You understand the non-custodial nature of the Service
• You will not hold CatReads liable for any losses
• You are legally permitted to use the Service in your jurisdiction
• You understand that all trades and transactions are final
• You accept that fees are non-refundable