Financial Management User Agreement

1. Overview

1.1 The Financial Management Service (the "Service") is an investment service offered by B9 Crypto that allows users to earn returns on digital assets through collateralized lending, quantitative trading, or DeFi mining. Redemption is permitted under certain terms and conditions.B9 Crypto is responsible for product design and management, as well as the operation of this service. To use this service, you must read and abide by this Financial Management User Agreement ("Agreement"). Please carefully read, fully understand, and agree to all terms and conditions.

1.2 Unless you have read and accepted all terms of this Agreement, you are not authorized to use the Service. Your acceptance of this Agreement and your use of the Service constitute your reading, understanding, and agreement to this Agreement, which is legally binding on you.

1.3 This Agreement shall supplement the B9 Crypto Terms of Service. If any conflict or inconsistency arises between any term or provision set forth in this Agreement and the B9 Crypto Terms of Service, such conflict or inconsistency shall be resolved by giving precedence to this Agreement. All other provisions of the B9 Crypto Terms of Service not modified by this Agreement shall remain in full force and effect.

2. Definitions

2.1. Financial management refers to the practice of entrusting digital assets to B9 Crypto for investment management, with B9 Crypto acting as an agent to invest digital assets and earn returns. Financial management may encompass various blockchain networks and technologies.

2.2 This service provides a digital asset investment solution applicable to blockchain networks, involving on-chain staking, mortgage lending, quantitative trading, and other investment methods to obtain rewards. The main investment methods and risk descriptions are as follows:

Profit logic	Profit logic	Risk Statement
mortgage loan	By collecting excess collateral to lend digital assets, a certain amount of interest is collected	Collect excess BTC and ETH as collateral, with low risk and almost no risk of principal loss
Quantitative trading	Gain profits through arbitrage through neutral quantitative trading strategies	Only invest in neutral arbitrage quantitative strategies, low risk and almost no risk of principal loss
Earn coins on the chain	Invest in various leading DeFi protocols and interest rate trading protocols on the blockchain to earn income	Invest only in on-chain protocols with TVL exceeding $1 billion. They have good liquidity and high security, but due to the characteristics of blockchain, there is a certain risk of uncontrollable principal loss.

2.3 Other definitions related to the Service include:

Principal: The amount of digital assets deposited into a User's account to use the Service.

Redemption: The amount of digital assets pledged must be withdrawn to the User's account within a reasonable period of time.

Reward Calculation Date: has the meaning set forth in Section 4.4(a).

Service Fee: refers to the fees payable to B9 Crypto by Users when subscribing to or participating in the Service, including but not limited to validator node commissions, on-chain and off-chain mining gas fees, project operation service fees, etc. The actual fees are subject to the product description.

Subscription: In connection with this Service, B9 Crypto will freeze a certain amount of a User's digital assets. After freezing, Users will be unable to redeem or withdraw their assets before the Redemption Period.

T-Day: A calendar day calculated based on Hong Kong Time (UTC+8).

3. Eligibility for the Service

3.1 You agree and acknowledge that: a. B9 Crypto will invest your digital assets, in whole or in part, on your behalf; b. B9 Crypto will act as your principal on the applicable network; c. You will delegate any voting rights associated with your staked digital assets to B9 Crypto; d. B9 Crypto may, from time to time, specify the following in connection with the Service:

● The minimum amount of staked digital assets required to subscribe to the Service;

● Any redemption period;

● Any redemption restrictions; and/or any subscription restrictions.

3.2 You also understand and acknowledge that:

● You have agreed to abide by the B9 Crypto Terms of Service and you are eligible and not prohibited from using the “Services” defined therein;

● If you are registering to use this service as an individual, in order to effectively accept this Agreement, you must be at least 18 years old, an individual with full civil rights and capacity for civil conduct, and have all necessary powers and abilities to sign this Agreement. This Agreement will be binding on you once signed;

● If you are registering to use the Service on behalf of a legal entity, in order to effectively accept this Agreement, you represent and warrant that (i) such legal entity is legally established and validly exists under applicable laws; and (ii) you are duly authorized by such legal entity and have the right to act on its behalf.

● You have the ability to identify and tolerate the risks associated with using this service, and have experience and relevant knowledge in investing in non-principal-guaranteed digital asset products;

● To use this service, you must be able to perform corresponding operations on the Internet;

● This Agreement does not conflict with the laws of your country or region, and you guarantee that you will comply with the laws of your country or region;

● You are the legal owner of the digital assets in your B9 Crypto platform account and guarantee that the source of these digital assets is legal.

3.3 You also agree and promise:

● You will not use this service for any illegal purpose, conduct, initiate or promote any form of market manipulation, price manipulation, insider trading, market distortion, any other malicious market behavior or other forms of illegal activities, including but not limited to illegal gambling, money laundering, fraud, extortion, racketeering, data leakage, terrorist financing, other violent activities or any commercial activities prohibited by law.

3.4 You understand and accept the risks that may arise from using the Service and the related losses that you may suffer as a result, including but not limited to:

● You are willing to bear the financial risks and possible economic losses arising from the pledge of your digital assets due to the risk of non-tradability caused by your inability to trade or perform other operations on such frozen digital assets;

● The expected returns displayed by B9 Crypto on the page are expected theoretical returns, not the actual returns guaranteed or promised by B9 Crypto. The actual returns may not be consistent with the expected returns. Your final returns will be based on the actual returns you receive. B9 Crypto will deduct the cost of B9 Crypto's investment-related operations on behalf of users from the actual returns generated by investment-related operations.The actual returns of users are calculated by deducting the staking related fees charged by B9 Crypto from the fees and expenses (including but not limited to server fees, electricity fees, etc.). B9 Crypto does not make any guarantees or promises about the actual returns you may receive;

● High price fluctuations of digital assets and their derivatives may cause significant or total losses in a short period of time;

● Technical anomalies may occur, which may delay or prevent you from using the Service or conducting related transactions, which may result in the loss of your digital assets;

● Market anomalies may occur, which may result in losses of your digital assets;

● In order to maintain the overall health of the market, B9 Crypto may need to add, delete or change policies, terms of this Agreement or other relevant service agreements or terms from time to time. Such actions may benefit or harm individual customers like you.

4. Use of the Service

4.1 You can place subscription, redemption, and other orders through the B9 Crypto client. Once an order is placed, you cannot cancel, revoke, or modify it.

4.2 After the subscription is successful, you will automatically entrust and authorize B9 Crypto to perform certain actions on the digital assets in the locked account, including but not limited to voting and digital asset gains.

4.3 Once the Digital Assets are invested or locked, B9 Crypto will issue Digital Assets as rewards. The form of rewards will depend on the specific project in which the Digital Assets are invested. The use of the Digital Assets shall be subject to the rules and terms published from time to time by B9 Crypto on the B9 Crypto Platform. B9 Crypto reserves the right to allow, consider, modify, or cancel any use of the Digital Assets on the B9 Crypto Platform for any purpose at any time at its sole discretion.

4.4 Rewards a. Rewards will accrue starting from the lockup period following your subscription. Rewards will be calculated based on the number of days that have passed in a 365-day year. Please note that you will not receive any rewards during the subscription period.b. Rewards will be distributed to your account according to the project's planned distribution schedule, which may vary depending on the staking blockchain or network the project participates in. Please note that the timing of distribution is subject to the rules and guidelines established by the project's participating on-chain protocol;

4.5 Redemption Rules a. The arrival of redeemed digital assets into the user's account is subject to the exchange rules of the on-chain protocol, and the specific time may vary. Please note that the redemption time may vary depending on the type of digital asset.You understand and agree that you will not be able to return, transfer, or otherwise instruct the redeemed digital assets between the time of redemption and the actual arrival of the digital assets. b. Redemption rules refer to the specific project's redemption rules. Early redemption is not available for projects that do not support it.c. Depending on the specifics of each project, you should be able to receive the Digital Assets within a reasonable time after submitting a redemption request. d. B9 Crypto reserves the right to charge a service fee for processing Digital Asset redemptions. Such service fee shall be published on the B9 Crypto Platform and may be modified by B9 Crypto from time to time.

4.6 You will be able to review your account history on the B9 Crypto Platform. You must review your account history carefully and notify B9 Crypto as soon as possible if you find any entries or transactions that you do not recognize or that you believe are incorrect. B9 Crypto may correct any errors in your account history at any time and reserves the right to cancel or reverse any transaction:a. involves or results from a manifest error (i.e. any obvious error, omission or misquote (whether by B9 Crypto or any third party),including any erroneous quote by any representative of B9 Crypto taking into account current market and currently advertised quotes, or any error in any information, source, authority, official results or otherwise); or b. reflect transaction details that we reasonably believe to be correct or fair.

4.7 B9 Crypto may need to share information about your account and use of the B9 Crypto platform with third parties in accordance with applicable laws and regulations. You acknowledge, agree, and permit us to disclose such information.

4.8 Service Fees a. B9 Crypto may charge a service fee for providing you with the Services. Unless otherwise specified on the B9 Crypto Platform, the service fee charged by B9 Crypto will be a specified percentage of your actual earnings (including interest and rewards) under the Services. B9 Crypto will deduct the applicable service fee from your actual earnings as payment for the service fee.b. You agree and authorize B9 Crypto to deduct the payable service fees from the assets in your account. Otherwise, B9 Crypto reserves the right not to provide you with the services under this Agreement.

5. Suspending or Cancelling Your Subscription

5.1. Pursuant to the B9 Crypto Terms of Service, B9 Crypto may stop, suspend, or cancel your access to the B9 Crypto Platform, impose restrictions on any B9 Crypto Account, suspend or cancel your ability to subscribe to the Service, or delay certain transactions:a. you fail to provide additional information as requested by B9 Crypto to verify your identity or source of funds; b. B9 Crypto is required by a court order to comply with any applicable laws and regulations (including anti-money laundering or sanctions laws); c. B9 Crypto is required to comply with any instructions or directions from any government department or agency;d. B9 Crypto reasonably determines that any information you provide to B9 Crypto is incorrect, untrue, outdated or incomplete; e. You fail to provide B9 Crypto with additional information that is reasonably satisfactory or requested in a timely manner.

6. Limitation of Liability

6.1 You agree and accept that the expected returns displayed on B9 Crypto's website are theoretical returns and not actual returns guaranteed or promised by B9 Crypto. Your actual returns may not match or be lower than the expected returns. Your final returns will be subject to your actual returns. B9 Crypto makes no promises or guarantees regarding expected returns or the actual returns you may receive.

6.2 You agree and accept that the arrival time of some items may be different when you redeem. Please refer to the item page for details. B9 Crypto is not responsible for any losses caused by the existence or difference in arrival time.

6.3 You agree and accept that B9 Crypto has the right to amend this Agreement at any time at its sole discretion. If you have any misunderstanding of this Agreement or any changes to it or fail to read the amendments to this Agreement in a timely manner, B9 Crypto will not be liable for any losses incurred by you as a result.

6.4 You agree and accept that B9 Crypto will not be liable for damages if the B9 Crypto system platform fails to operate normally or causes service interruption due to the following circumstances, which makes it impossible for you to use the services or place instructions or conduct related transactions normally, including but not limited to failure, delay, interruption, stoppage, system unresponsiveness, slow system response or other circumstances that prevent you from using the services normally. Such circumstances include but are not limited to:

● System downtime and maintenance as announced by the B9 Crypto platform;

● Telecommunications equipment failure that prevents data transmission;

● System failure and inability to perform business on the B9 Crypto platform due to force majeure or other unexpected events such as typhoons, earthquakes, tsunamis, floods, epidemics, power outages, wars, unrest, government actions, terrorist attacks, etc.;

● Service interruption or delay caused by hacker attacks, computer virus intrusion or outbreak, telecommunications department technical adjustments or failures, website upgrades, banking problems, temporary closures due to government regulations, and other reasons that affect the normal operation of the network;

● Service interruptions or delays caused by computer system damage, breakdown, or malfunction of the B9 Crypto platform;

● Losses caused by technical problems that are unforeseen or unsolvable by existing industry technology;

● Losses caused to you or other third parties due to the fault or delay of a third party;

● Losses caused to you or other third parties due to changes in laws, regulations, or government, regulatory, or law enforcement directives;

● Losses caused to you or other third parties due to other unforeseeable, unavoidable, and insurmountable force majeure or unexpected events. You agree and accept that abnormal transactions, market interruptions, and other possible abnormal situations caused by the above reasons may not be covered by the agreement.

B9 Crypto reserves the right not to execute your instructions based on actual circumstances. You understand and agree that B9 Crypto will not be liable for any losses (including but not limited to any direct or indirect losses, actual losses or loss of profits) caused to you by the above circumstances.

6.5 You agree and accept that B9 Crypto shall not be liable for any losses you suffer as a result of the risks described in Section 3.3 of this Agreement (including but not limited to any direct or indirect losses, actual losses or loss of profits, etc.).

7. Technical Disclaimer

7.1 B9 Crypto may, from time to time, suspend your access to your B9 Crypto account, the B9 Crypto Platform, the Services, and/or any other B9 Crypto services for scheduled and emergency maintenance. B9 Crypto will make reasonable efforts to ensure timely processing of transactions on the B9 Crypto Platform. However, B9 Crypto makes no representations or warranties regarding the time required to complete processing, which depends on many factors beyond B9 Crypto's control.

7.2 Although B9 Crypto makes reasonable efforts to update the information on the B9 Crypto Platform, B9 Crypto makes no representations, warranties or guarantees, whether express or implied, that the content on the B9 Crypto Platform, including information related to the Service and any other B9 Crypto services, is accurate, complete or up-to-date.

7.3 You are responsible for obtaining the data network access necessary to use the Service or any other B9 Crypto Service. You are responsible for obtaining and updating compatible hardware or devices necessary to access and use the Service, any B9 Crypto Service, the B9 Crypto Platform, and any updates thereto. B9 Crypto does not guarantee that any B9 Crypto Service or any portion thereof will operate on any specific hardware or device. B9 Crypto Services may be subject to failures and delays due to the use of the internet and electronic communications.

8. Enforcement Measures

You agree and accept that B9 Crypto strictly prohibits unfair trading practices. B9 Crypto reserves the right, at its sole discretion, to exercise executive control over your account or terminate it if you engage in the following conduct:

● Engage in market manipulation, price manipulation, insider trading, market distortion, or any other malicious market behavior;

● May harm other users or B9 Crypto by exploiting vulnerabilities in the Service or other unreasonable means;

● Engage in any other activities that B9 Crypto deems harmful to the market;

● Engage in activities that violate any laws or regulations;

● In order to eliminate any adverse effects on the overall health of the market, B9 Crypto reserves the right to take the following measures at its sole discretion, including but not limited to closing your account, restricting or canceling orders. You understand and agree that B9 Crypto shall not be liable for any losses (including but not limited to any direct or indirect losses, actual losses or loss of profits, etc.) caused by taking the above measures.

9. Indemnification

9.1 You must take all reasonable steps to indemnify B9 Crypto from any and all damages resulting from your use of the Service or any other conduct related to your B9 Crypto account. Failure to do so will result in compensation to B9 Crypto.

9.2 You hereby acknowledge and agree that B9 Crypto will not be held liable for any breach of this Agreement, improper use of B9 Crypto's services, or violation of any laws, regulations, or third-party rights.With your authorization to use your B9 Crypto account or log in to the B9 Crypto website, client, system (including the network and server used to provide any B9 Crypto service, and whether such website, client and system is operated by B9 Crypto or for B9 Crypto),You will defend, indemnify, and hold B9 Crypto harmless from any claim, demand, or action (including all reasonable legal fees or other expenses or expenses) arising out of or related to any act or omission of any third party (or for the purpose of providing the B9 Crypto Services to you).

10. Other

10.1 This Agreement also includes B9 Crypto's various regulations, other agreements or rules attached to this Agreement, and other relevant agreements and rules regarding this Service that B9 Crypto may publish from time to time.Once officially released, the above content will become an integral part of this Agreement. You agree to carefully read and comply with such agreements or rules, and agree that they are legally binding on you. In the event of any conflict between the above content and this Agreement, this Agreement shall prevail.

10.2 If necessary, B9 Crypto reserves the right to unilaterally change the terms of this Agreement at any time at its sole discretion without prior notice to you. If B9 Crypto unilaterally changes the terms of this Agreement, the changes will be immediately published on B9 Crypto's website. Please check and carefully read the latest information on the website in a timely manner. After the above changes are announced,You understand and agree that if you continue to use the Service, you will be deemed to have agreed to the changes to this Agreement and that such changes will be legally binding on you. If you do not agree to the changes to this Agreement, you should stop using the Service.

10.3 You should carefully read this Agreement and any other relevant agreements, rules, etc. referred to in Sections 10.1 and 10.2 of this Agreement that constitute the content of this Agreement. If you have any questions about the foregoing, please contact our customer service staff through online customer service, and B9 Crypto will provide reasonable and necessary explanations.Unless B9 Crypto otherwise directs you, you should contact B9 Crypto by email and transfer documents between you and B9 Crypto by email ("Formal Communications"). You may also contact B9 Crypto informally by telephone ("Informal Communications").Unless otherwise agreed upon by the parties, all formal communications shall be conducted in English. In the event of any inconsistency between the English and non-English versions of any communication, the English version shall prevail. In the event of any inconsistency between any formal or informal communication and this Agreement, this Agreement shall prevail.

10.4 If any provision of this Agreement is held to be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions of this Agreement shall not be affected or impaired in any way. However, if any provision of this Agreement is invalid, illegal or unenforceable under any applicable law of any jurisdiction, then, with respect to that jurisdiction, such provision shall be deemed modified accordingly to conform to the minimum requirements of such law.Alternatively, if for any reason such provision is not deemed modified, then such provision shall be invalid, illegal or unenforceable only to the extent of such invalidity, illegality or limitation on enforceability, and the legality, validity or enforceability of the remaining provisions of this Agreement or the legality, validity or enforceability of such provision under the laws of any other jurisdiction shall not be affected in any way.

10.5 Any failure or delay by B9 Crypto in exercising any right or remedy under this Agreement shall not operate as a waiver of such right or remedy or constitute an acknowledgment of this Agreement. Any acknowledgment of this Agreement by B9 Crypto must be in writing and shall not be effective otherwise.Any single or partial exercise of any right or remedy will not preclude the further or other exercise of that right or the exercise of any other right or remedy. The rights and remedies provided under this Agreement are additional and not exclusive of any rights or remedies provided by law.

10.6 These Terms, your use of the Services, and any claim, counterclaim or dispute of any kind or nature arising directly or indirectly out of these Terms shall be governed by and construed in accordance with the laws of England and Wales without regard to its conflict of law provisions.

10.7 Jurisdiction and Dispute Resolution a. You acknowledge and agree that in the event of any dispute, controversy, difference or claim, including the existence, validity, interpretation, performance, breach or termination of these Terms or any dispute arising out of or in connection with these Terms (a "Dispute"), the parties shall first submit the Dispute to the Hong Kong International Arbitration Centre ("HKIAC") in accordance with the Hong Kong International Arbitration Centre Mediation Rules then in effect.b. If the Dispute is not settled by a Settlement Agreement within ninety (90) days of the submission of the Request for Mediation as provided for in Article 8.7(i) above, the Dispute shall be submitted to HKIAC for final settlement by arbitration in accordance with the Hong Kong International Arbitration Centre Administered Arbitration Rules in effect at the time the Notice of Arbitration is submitted.The law applicable to this arbitration clause shall be the laws of the Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong"). c. You agree that the seat of arbitration shall be Hong Kong. The number of arbitrators shall be three (3). B9 Crypto shall appoint one (1) arbitrator and you shall appoint one (1) arbitrator. The third arbitrator shall be appointed by the President of HKIAC.Such arbitrators shall be freely selected, and the parties shall not be limited to any designated list in selecting an arbitrator. The arbitration proceedings shall be conducted in English. d. You agree that B9 Crypto shall not be required to produce general discovery of documents, but may only be required to produce specific, identified documents that are relevant to and material to the outcome of the dispute. e. Any arbitration award shall be final and binding upon the parties and may be enforced in any court of competent jurisdiction.

10.8 You may not transfer, novate or assign this Agreement and the rights and obligations under it, in whole or in part, without B9 Crypto’s prior written consent. B9 Crypto may transfer, novate or assign any rights or obligations under this Agreement by giving you written notice, which will be effective upon delivery of such notice.

10.9 The headings of all clauses in this Agreement are for convenience only and have no actual meaning. They should not be used to interpret the meaning of this Agreement.

10.10 If there is any conflict between this Agreement and any translated version in other languages, the Chinese version of this Agreement shall prevail.

10.11 B9 Crypto reserves the right of final interpretation of this Agreement.

B9 Crypto will continue to provide you with better products and better services! We reserve the right to modify, change, or cancel this announcement at any time, at our sole discretion, for any reason, without prior notice.

Thank you for your support of B9Crypto!
B9Crypto Operations Team