Version 1.1.0 • Last Updated: January 21, 2026
Last Updated: April 2, 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Bravex LLC a Montana limited liability company with its principal business address at 100 24th Street W Suite 1-1058 Billings Montana ("Bravex," "we," "us," or "our").
These Terms govern your access to and use of the Bravex website, mobile applications, software, and all related products and services (collectively, the "Services"). By accessing or using the Services in any manner, including by visiting the website, downloading or using our software, or connecting a digital wallet, you agree to be bound by these Terms, as well as our Privacy Policy and any other supplemental agreements, terms, or disclosures provided in connection with specific features of the Services (together, the "Agreement").
If you do not agree to the Agreement, you must immediately discontinue use of the Services. Continued access or use constitutes acceptance of these Terms and the policies incorporated herein by reference.
Defined Term - Bravex Parties. "Bravex Parties" means Bravex, its affiliates, and their respective directors, officers, employees, contractors, service providers, and agents.
Bravex provides technology infrastructure that enables Users to interact with supported digital assets through a custodial software. The Services allow Users to send, receive, store, and spend digital assets, including stablecoins and fiat-denominated balances, through integrations with regulated third-party service providers ("Partners").
Bravex itself does not:
• issue any currency or digital asset;
• hold, custody, or control user funds;
• act as a bank, broker, exchange, payment service provider, or custodian.
All financial, custodial, and regulated services (including issuance, exchange, or settlement of assets) are provided solely by Partners and subject to their own terms, policies, and applicable regulatory requirements. Bravex does not control and is not responsible for the actions, decisions, or obligations of any Partner.
The Services are provided strictly as a custodial, technology-only platform. You acknowledge and agree that Bravex's role is limited to making the software available and that all financial, transactional, or custodial relationships are exclusively between you and the applicable Partner. Bravex does not provide fraud detection on your behalf.
To access and use the Services, you must meet the following eligibility requirements:
Minimum Age: You must be at least eighteen (18) years of age, or the age of majority in your jurisdiction, whichever is greater.
Authority to Contract: If you are using the Services on behalf of a legal entity (such as a company, DAO, or trust), you represent and warrant that you have the legal authority to bind that entity to these Terms.
Legal Restrictions: You may not use the Services if (a) you are located in, or are a resident or national of, any country or territory subject to comprehensive U.S. sanctions or other trade restrictions, (b) you are listed on any sanctions or restricted-party list maintained by the United States or other applicable jurisdictions, or (c) your use of the Services would violate any applicable law or regulation.
Accurate Information: You must provide true, accurate, current, and complete information when creating or maintaining an account or otherwise interacting with the Services. You agree to promptly update such information to keep it accurate and complete at all times.
Account Responsibility: You are solely responsible for all activity conducted under your account and for maintaining the confidentiality of any login credentials, keys, or devices associated with your account. You must immediately notify Bravex if you suspect any unauthorized access, use, or security breach.
Bravex reserves the right to suspend, restrict, or terminate your access to the Services if it determines, in its sole discretion, that you have violated these eligibility requirements or any other provision of these Terms.
The Services are designed as a custodial software. You retain sole control of, and full responsibility for, your digital assets, passwords, seed phrases, devices, and any other authentication credentials you use in connection with the Services.
You are solely responsible for:
• securing your devices, credentials, and wallet access;
• ensuring the accuracy of all recipient addresses, destination tags, network selections, and related transaction data;
• managing approvals, allowances, and permissions you grant to third-party protocols or applications; and
• monitoring your accounts and transactions for unauthorized or suspicious activity.
All blockchain transactions initiated through the Services are final and irreversible once broadcast to a blockchain network. Bravex cannot cancel, modify, or reverse any transaction. You understand and agree that you bear all responsibility for the accuracy and security of each transaction you authorize.
By accessing or using the Services, you expressly acknowledge and agree that:
Volatility: Digital assets, including cryptocurrencies and stablecoins, are inherently volatile. Their value may change rapidly and unpredictably, and may decline to zero.
Finality of Transactions: Blockchain transactions are irreversible. Once you authorize and broadcast a transaction, it cannot be undone, cancelled, or refunded.
Regulatory Uncertainty: The regulatory framework for digital assets is uncertain and evolving. Laws, regulations, or policies may change at any time and may materially impact your ability to use, transfer, or hold digital assets.
Technology Risks: Digital assets, blockchains, and smart contracts carry inherent risks, including software bugs, protocol errors, vulnerabilities, and potential failures. Networks may become congested, unavailable, or compromised.
Security Risks: You may be subject to hacks, phishing, key theft, malware, or unauthorized access to your wallet, devices, or accounts. You accept all consequences of such risks.
Fraudulent Activity: Token projects, third-party applications, or protocols may engage in fraudulent or deceptive conduct, including but not limited to "rug pulls," pump-and-dump schemes, wash trading, or abandonment of projects. Bravex does not vet or endorse any such third parties.
Total Loss Possible: You understand that there is a real possibility of losing the entire value of your digital assets, whether through market volatility, technical failures, or malicious activity.
You assume all risks associated with the use of digital assets, blockchains, and the Services. Bravex disclaims any and all responsibility for losses you may incur as a result of these risks.
Certain functionality within the Services is enabled exclusively through independent third-party service providers ("Partners"). Without limitation, our current Partners include: Owlting (wallet creation/Bank transfers/Card deposit) Bravex may add, remove, or replace Partners at any time, with or without notice. References to specific Partners are informational only and do not constitute an endorsement.
6.1 Independence of Partners. Partners operate independently of Bravex and provide their services under their own terms of service, privacy policies, fee schedules, and regulatory obligations ("Partner Terms"). By accessing or using any Partner service through or alongside the Services, you: (a) form a direct relationship with the applicable Partner; (b) agree that your use of the Partner service is governed solely by the Partner Terms; and (c) acknowledge that Bravex is not a party to, and does not control, the Partner Terms, decision-making, performance, pricing, availability, support, or security of any Partner.
6.2 Scope of Partner Functions (Illustrative, Not Exhaustive). (a) Owlting (wallet creation/Bank transfers/Card deposit). Ogvio does not generate, store, recover, or have access to your private keys, seed phrases, or wallet passwords. Identity, device security, recovery options, and any related controls are provided by Privy subject to the Partner Terms.
6.3 No Custody or Financial Services by Bravex. All custody, issuance, exchange, money transmission, settlement, and payment processing are performed solely by Partners or their underlying financial institutions—not by Bravex. Bravex does not issue currency or digital assets, does not accept or hold customer funds, and does not act as a bank, broker, exchange, custodian, money transmitter, payment service provider, investment adviser, or fiduciary.
6.4 Your Obligations When Using Partners. You agree to: (a) review and accept applicable Partner Terms before use; (b) provide accurate information and complete any required KYC/AML/sanctions screening; (c) maintain sufficient balances to cover fees, gas, minimums, and any re-quotes; (d) verify all transaction details—including recipient addresses, network selection, memos/tags, and bank details—before submission; and (e) address Partner-specific issues (funding, verification, payouts, reversals) directly with the applicable Partner.
6.5 Fees. Partners may assess their own fees, spreads, FX costs, network/gas fees, processing charges, or bank fees. Bravex may charge separate platform or integration fees or other fees disclosed at the point of use. Fees are determined and collected by the charging party and are non-refundable once a transaction is submitted, authorized, or broadcast.
6.6 Data Sharing & Consents. To facilitate your requested Partner services, you authorize Ogvio to share with—and receive from—Partners the information reasonably necessary to provision or complete a transaction (e.g., wallet addresses, order parameters, routing selections, status updates, limited identity/device signals where applicable). Personal data handled by Partners is subject to the Partner's privacy notice. Bravex is not responsible for a Partner's use, security, or retention of data under that Partner's control.
6.7 Support Boundaries; Disputes. Bravex provides support for the Bravex interface and integrations we control. Onboarding decisions, payment acceptance, compliance reviews, bank payouts, swap execution, routing, or on-ramp outcomes are Partner matters and must be handled under the Partner's support processes and Partner Terms. Bravex is not responsible for, and will not adjudicate, disputes between you and any Partner.
6.8 Risks and Limitations. Partner and third-party services may be subject to downtime, throttling, maintenance, liquidity constraints, bridge failures, protocol upgrades, bank delays, returns, chargebacks, compliance holds, or adverse decisions (e.g., refusal of service, limit changes, account closure). Quotes are indicative; transactions can fail, partially fill, re-quote, or settle at different effective rates. Network/gas fees, once consumed, are not refundable—even if a transaction fails or is reverted on-chain.
6.9 No Liability for Partners. To the maximum extent permitted by law, Bravex disclaims all responsibility and liability for any act, omission, decision, delay, error, outage, fee, loss, or security incident attributable to any Partner or third-party integration, including any financial loss, loss of access, missed market opportunity, or data issue arising therefrom.
6.10 Conflicts. If there is a conflict between these Terms and any Partner Terms with respect to Partner services, the Partner Terms will govern solely for that Partner service. These Terms continue to govern your use of the Bravex Services and interface.
7.1 Technology Provider Only. Bravex provides non-custodial technology infrastructure and does not directly handle or control user funds. Bravex does not act as a money transmitter in relation to user funds and does not directly perform regulated financial services. Any regulated financial activities, including money transmission, fiat processing, settlement, or custody, are performed exclusively by licensed third-party providers (such as Owlting and its underlying financial institutions). Users interact directly with such third-party providers, and all financial relationships are established solely between the user and the respective provider.
7.2 No Advice. The Services—including any dashboards, routes, quotes, prices, token pages, "best path" indicators, risk flags, labels, rankings, research links, or similar informational materials—are provided for general information only. They do not constitute financial, investment, legal, accounting, or tax advice; a recommendation, solicitation, or endorsement; or an assessment of suitability, appropriateness, or risk. You are solely responsible for your decisions and for obtaining your own independent professional advice.
7.3 No Representations of Legality or Availability. Bravex makes no representation that the Services or any Partner service are lawful, appropriate, or available for use in every jurisdiction. Access is void where prohibited. If you access the Services from outside your home jurisdiction, you do so at your own initiative and are solely responsible for compliance with all local laws, rules, and regulations.
7.4 User Compliance Responsibilities. You are solely responsible for ensuring that your access to and use of the Services (and any Partner services) complies with all laws and regulations applicable to you, including those relating to digital assets, money transmission, consumer protection, sanctions/export controls, anti-money laundering and counter-terrorist financing, securities/commodities, taxation, and data protection. Bravex does not guarantee that your use is or will remain compliant with any particular legal or regulatory regime.
7.5 Sanctions & Export Controls. You may not use the Services if you are located in, ordinarily resident in, or a national of a jurisdiction subject to comprehensive sanctions; if you are identified on any applicable sanctions or restricted-party list; or if such use would cause Bravex or any Partner to violate sanctions or export-control laws. You must not use technologies intended to circumvent such restrictions (including certain VPN configurations or anonymizing tools). We may publish or update a non-exhaustive list of unsupported or restricted jurisdictions within the Services or on our website; access is void where prohibited.
7.6 Taxes. Bravex does not provide tax advice. You are solely responsible for determining, reporting, and paying all taxes, duties, and assessments that may apply to your activities and transactions, including those conducted through Partners.
7.7 No Fiduciary Duties. Your use of the Services does not create any fiduciary, advisory, or agency relationship between you and Bravex. Bravex owes you no duties other than those expressly set out in these Terms.
7.8 Reservation of Regulatory Changes. Regulatory frameworks governing digital assets and related services are evolving. Changes in law, policy, licensing, or Partner obligations may impact the Services, including availability of features or jurisdictions. Bravex may modify, suspend, or discontinue features where reasonably necessary for legal, regulatory, or operational reasons, without liability to you.
You agree not to, and will not permit any third party to, access or use the Services in any manner that:
8.1 Illegal or Sanctioned Activity Violates, or attempts to violate, any law or regulation, including anti-money laundering (AML), counter-terrorist financing (CTF), sanctions/export controls, anti-corruption, securities/commodities, consumer protection, or money-transmission laws. Seeks to evade sanctions or export controls, including by using mixers/tumblers, obfuscation techniques, or VPN configurations intended to circumvent geo- or legal restrictions.
8.2 Fraud, Manipulation, and Abuse Engages in or facilitates fraud, scams, phishing, social engineering, identity theft, or theft of digital assets. Engages in market abuse or manipulation (including wash trading, pump-and-dump, spoofing, layering, cornering, front-running, or any scheme designed to create artificial prices or deceptive market signals). Creates or distributes malware, wallet-drainer scripts, backdoors, or other harmful code.
8.3 Interference, Circumvention, and Automation Interferes with or degrades the operation of the Services, Partners, networks, or Third-Party Protocols (e.g., DDoS, resource exhaustion, rate-limit evasion). Accesses the Services via unauthorized automation, including bots, scrapers, spiders, crawlers, or offline readers, except as expressly permitted in writing. Scrapes pages, metadata, pricing, or route/quote outputs, or attempts to harvest user data without consent and lawful basis. Bypasses or attempts to bypass security, authentication, or rate-limiting controls.
8.4 Reverse Engineering and Misuse Copies, modifies, translates, decompiles, disassembles, reverse engineers, or creates derivative works of the Services except to the limited extent a restriction is prohibited by applicable law. Misuses APIs, SDKs, routing outputs, or integration points in a way that violates these Terms or Partner Terms.
8.5 Brand and IP Misuse Uses the Bravex name, logos, trademarks, or trade dress without prior written consent, including to suggest sponsorship, endorsement, partnership, or certification where none exists. Frames, mirrors, or hotlinks the Services in a misleading manner.
8.6 Data and Privacy Uploads or transmits content that is unlawful, infringing, defamatory, deceptive, or that violates privacy rights. Collects, processes, or discloses personal data through the Services in violation of applicable data-protection laws or our Privacy Policy.
8.7 Security Research Any testing, scanning, or research touching production systems requires prior written authorization from Bravex. Authorized testing must comply with scope, rate, and reporting requirements we specify.
8.8 Coordinated Disclosure Safe Harbor If you believe you have discovered a vulnerability, contact info@bravexkz.com with details. If you (i) follow our instructions, (ii) avoid accessing, exfiltrating, or retaining personal or confidential data, (iii) do not harm availability or integrity, and (iv) provide a reasonable remediation window, then to the maximum extent permitted by law we will not pursue legal action solely for your good-faith security research. This safe harbor does not permit violation of law or third-party rights. Bravex may suspend or terminate access, remove content, and notify applicable authorities where we reasonably believe a violation has occurred or legal obligations require action.
The Services may surface, route to, or interoperate with third-party protocols and applications (collectively, "Third-Party Protocols"), including DeFi protocols, staking contracts, DEXs, bridges, oracles, and other on-chain or off-chain services. Bravex does not operate or control Third-Party Protocols, validator/miner sets, liquidity venues, or underlying networks.
9.1 Inherent Technical Risks Smart-contract risk: Contracts may contain bugs, design flaws, admin key risks, or upgrade patterns that can be exploited. Network risk: Chains may experience reorgs, forks, congestion, MEV/front-running, censorship, outages, or parameter changes. Oracle/bridge risk: Oracles and bridges can fail, be paused, mispriced, attacked, or de-pegged. Liquidity risk: Pools and order books may be thin or vanish, causing extreme slippage or failed execution. Approval/allowance risk: Token approvals can be unlimited or misused; you are solely responsible for reviewing, setting, and revoking allowances.
9.2 Execution and Pricing Routes, quotes, and "best path" indicators are informational and indicative. Final outcomes depend on mempool conditions, validator behavior, gas prices, and venue liquidity. Transactions may re-quote, partially fill, fail, or settle at materially different effective rates; network/gas fees are consumed even when a transaction fails or is reverted.
9.3 Wallets and Access Wallet creation/connection (e.g., via Owlting) follows that provider's security model and availability. Loss or compromise of devices, credentials, passwords, seed phrases, or key shares may result in permanent loss of access and assets. Owlting cannot recover keys or reverse transactions.
9.4 Fiat Rails and On-Ramps Bank transfers and payouts (e.g., via Owlting) are subject to banking rules, cut-offs, holds, rejects, chargebacks, FX spreads, and intermediary/beneficiary bank fees. On-ramp aggregation (e.g., via Owlting) surfaces third-party providers with their own KYC/limits/pricing and discretionary acceptance.
9.A Yield Products (Aave Integration)
9.A.1 Description of Yield Services. The Services provide a user interface allowing you to interact directly with the Aave decentralized non-custodial liquidity protocol ("Aave Protocol"). By using the Yield Services, you acknowledge and agree that: Direct Relationship: Your transaction is a direct interaction between your non-custodial wallet and the Aave Protocol's smart contracts. Ogvio is not a party to this transaction, does not act as a counterparty, and does not custody your assets. Receipt Tokens (aTokens): Upon depositing assets, the Aave Protocol will mint and transfer to your wallet a corresponding interest-bearing token ("aToken," e.g., aUSDC or aWETH). You acknowledge that these aTokens represent your claim to the underlying asset. If you transfer, burn, or lose access to these aTokens, you will be unable to withdraw your deposited funds. Native Asset Wrapping: If you deposit a native blockchain asset (such as ETH or MATIC/POL), the Services utilizes a "Gateway" smart contract (e.g., WrappedTokenGateway) which automatically wraps your asset into an ERC-20 equivalent (e.g., WETH) before depositing it into the pool. You acknowledge that your yield will be denominated in this wrapped asset. Supply Only: The integration provided via Bravex is strictly for the supply of assets to earn passive yield. Bravex does not facilitate borrowing or leverage on this interface.
9.A.2 Technical Interaction & Signatures. Permit Signatures: To optimize gas costs, the Services may request you to sign an off-chain message ("Permit") rather than broadcast an on-chain approval transaction. You agree that such signatures constitute valid authorization for the Aave Protocol to interact with your wallet balance. Data Accuracy & Indexing: The APY, health factors, and liquidity data displayed in the interface are fetched via third-party indexers and SDKs (e.g., The Graph or Aave Data Providers). This data may experience latency and may not reflect the exact state of the blockchain at the precise moment of your transaction. Bravex is not responsible for discrepancies between displayed data and on-chain execution rates.
9.A.3 Specific Risks of DeFi Yield. In addition to the general risks described in Section 5 and Section 9, participating in DeFi lending pools involves specific risks for which you accept full responsibility: Smart Contract Risk: The Aave Protocol operates via public smart contracts. Bugs, exploits, or vulnerabilities in these contracts could result in the partial or total loss of your deposited assets. Bravex does not audit or control Aave smart contracts and is not liable for their failure. Protocol Solvency & Shortfall Events: In extreme market conditions or protocol failures, the Aave Protocol may experience bad debt or liquidity shortfalls. This could prevent you from withdrawing your assets immediately or result in a loss of principal if the protocol cannot cover the deficit. Variable Rates: Interest rates for supplying assets are variable and change with every block. You may earn less yield than anticipated due to sudden changes in pool utilization. Asset Availability: Withdrawals depend on available liquidity in the specific Aave pool. If a pool is highly utilized (i.e., most funds are borrowed out by other protocol users), you may be unable to withdraw your deposit until sufficient liquidity is returned to the pool.
9.A.4 User Responsibilities. Due Diligence: You are solely responsible for conducting your own due diligence on the Aave Protocol, including reviewing its documentation, terms, and audit reports before depositing funds. Monitoring: You must actively monitor your positions and the applicable APY rates. Bravex does not monitor your positions on your behalf. Unbonding/Lock-up Periods: You acknowledge that certain interactions with DeFi protocols or market conditions may effectively lock your assets for a period of time. Bravex cannot bypass protocol-level restrictions or liquidity shortages.
9.A.5 Disclaimer of Liability. Bravex makes no representation regarding the safety, solvency, or technical integrity of the Aave Protocol. To the maximum extent permitted by law, Bravex disclaims all liability for any losses arising from your use of the Yield Services, including but not limited to smart contract exploits, protocol insolvency, loss of aTokens, or the inability to withdraw funds from the Aave Protocol.
9.5 No Monitoring or Endorsement Bravex does not audit, monitor, or endorse Third-Party Protocols or tokens. Display, ranking, labels (e.g., "best," "recommended"), or availability in the interface do not represent safety, legality, suitability, or performance.
9.6 Your Sole Responsibility You assume all risks of selecting destinations, protocols, tokens, routes, bridges, networks, addresses, memos/tags, and bank details, and for maintaining sufficient balances for fees and slippage. You are responsible for verifying contracts, interfaces, domains, and permissions before signing any transaction or message.
9.7 Allocation of Risk To the maximum extent permitted by law, Bravex disclaims responsibility and liability for losses, delays, errors, fees, slippage, failed or partial executions, hacks, exploits, rug pulls, governance actions, chargebacks, reversals, or any other adverse events arising from or related to Third-Party Protocols, networks, or partners.
10.1 Bravex Fees Bravex may charge platform or integration fees for certain features. Where applicable, fees will be disclosed in-product or otherwise presented prior to your confirmation. By proceeding, you authorize Ogvio (and/or its payment processor) to charge the payment method you select or to collect fees on-chain as part of a transaction flow, where supported.
10.2 Network/Gas Fees All blockchain transactions require network ("gas") fees, which are set by the applicable network and fluctuate with congestion. Gas fees are not set, retained, or refundable by Bravex, and are consumed even if a transaction fails, is dropped, or is re-submitted.
10.3 Partner and Third-Party Fees Partners (e.g., Owlting) and other third parties may impose separate fees, including spreads, processing fees, FX costs, bank fees, and minimums. Such fees are determined and collected by the applicable provider under its own terms and are generally non-refundable once a transaction is authorized or broadcast.
10.4 Quotes, Re-quotes, and Slippage Indicative prices or quotes may change prior to confirmation due to market conditions. Your final executed price may differ due to slippage, partial fills, or network dynamics. Bravex does not guarantee execution at an indicative or previously shown rate.
10.5 Currency and Billing Fees will be charged in the currency or asset shown at the point of use. For off-chain billing, you authorize our payment processor to store and use your payment credentials for current and future Bravex fees, in accordance with its terms. If a payment is reversed, charged back, or rejected, Bravex may suspend or limit access to the applicable feature until amounts are settled.
10.6 No Refunds Except where expressly stated otherwise in writing, all Bravex fees, Partner fees, and network/gas fees are final and non-refundable once incurred.
10.7 Taxes (Summary) You are responsible for any taxes arising from your activities and transactions. Bravex does not provide tax advice and may not calculate, collect, or remit taxes on your behalf (see also the dedicated Taxes section).
10.8 Changes to Fees Bravex may modify its fee schedules prospectively. Any changes will be disclosed prior to taking effect for new transactions.
11.1 No Tax Advice. Bravex does not provide tax, accounting, or legal advice. Information presented in the Services (including dashboards, statements, or export tools) is for general information only and may not reflect your complete activity.
11.2 Your Responsibilities. You are solely responsible for determining, reporting, collecting, withholding, filing, and paying any and all taxes, duties, levies, assessments, and similar governmental charges ("Taxes") that apply to your activities and transactions conducted through or alongside the Services (including those completed with Partners). This includes, without limitation, income, gains, sales/use, value-added, withholding, stamp, excise, and any other Taxes in any jurisdiction.
11.3 Records and Reporting. You must maintain adequate records of your activity to satisfy your tax obligations. Bravex may provide generic exports or logs for your convenience, but we do not warrant their completeness or accuracy for tax purposes, nor do we agree to maintain such records on your behalf.
11.4 Withholding and Information Requests. Where required by law, Bravex or a Partner may request tax forms or information from you and may withhold Taxes from amounts otherwise payable. If you fail to provide required information, you remain responsible for any resulting Taxes, penalties, or interest. Bravex is not responsible for penalties, interest, or liabilities arising from your failure to meet your tax obligations.
11.5 Cross-Border Considerations. You are responsible for assessing and complying with tax consequences arising from cross-border transactions, currency conversions, or use of foreign service providers.
12.1 Automatic Updates. The Services may download and install updates, patches, bug fixes, feature flags, configuration changes, or new versions automatically without separate notice. By using the Services, you consent to the delivery and installation of such updates. Certain updates may be required for security or functionality; failure to install may impair or disable the Services.
12.2 Changes, Suspension, Discontinuation. We may change, suspend, restrict, or discontinue any part of the Services (including integrations, routes, UI components, or Partner connectivity) at any time for legal, security, compliance, operational, or business reasons. Bravex has no obligation to maintain, support, or continue to offer any particular feature, workflow, or integration.
12.3 Beta/Experimental Features. We may offer preview, pilot, developer, experimental, or "beta" features (collectively, "Beta Features"). Beta Features are provided as-is, may be incomplete or inaccurate, may change without notice, may not be available in all regions, and may be withdrawn at any time. Beta Features may contain errors, lack documentation or support, and may adversely affect existing functionality.
12.4 No Warranties; No SLA. To the maximum extent permitted by law, no warranties (express or implied) apply to updates or Beta Features—including warranties of merchantability, fitness for a particular purpose, non-infringement, availability, accuracy, or error-free operation—and no service levels (SLAs), uptime commitments, or support obligations apply.
12.5 Feedback on Beta Features. If you provide suggestions, bug reports, improvement requests, or other feedback relating to updates or Beta Features ("Feedback"), you grant Bravex a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, adapt, create derivative works from, and otherwise exploit the Feedback without restriction or obligation to you.
13.1 Ownership. The Services (including software, source and object code, APIs, SDKs, algorithms, routing logic, designs, text, graphics, UI, layouts, compilations, documentation, and all other content), and the Bravex name, logos, trademarks, service marks, and trade dress (collectively, "Bravex Materials") are owned by Bravex or its licensors and are protected by copyright, trademark, and other intellectual-property laws. Except for the limited license below, no rights are granted to you.
13.2 Limited License. Subject to your continued compliance with these Terms, Bravex grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your personal or internal business purposes, solely as permitted by these Terms and applicable documentation.
13.3 License Restrictions. You must not (and must not permit any third party to):
• (a) copy, modify, translate, adapt, create derivative works of, publicly display, or publicly perform the Bravex Materials, except as expressly allowed;
• (b) reverse engineer, decompile, or disassemble the Services, or attempt to discover source code or underlying ideas, except to the limited extent a restriction is prohibited by applicable law;
• (c) bypass, remove, defeat, or circumvent any security, anti-scraping, anti-automation, or rate-limiting measures;
• (d) access or use the Services via bots, scrapers, crawlers, or automated means without our prior written consent;
• (e) use any data mining, harvesting, or extraction methods on route/quote outputs, pricing, or other Service content;
• (f) use the Services to build a competing product or service or otherwise engage in benchmarking or competitive analysis except where legally permitted;
• (g) resell, lease, lend, or provide the Services to third parties as a service bureau or managed service;
• (h) remove or obscure proprietary notices, attribution, or trademarks.
13.4 Trademarks. "Bravex" and associated logos are trademarks or service marks of Bravex or its licensors. You may not use our marks without prior written consent. Any permitted use must comply with our brand guidelines and must not imply sponsorship or endorsement.
13.5 User Content. If you upload, submit, or transmit content to the Services ("User Content"), you represent and warrant that you have all rights necessary to do so and that such content does not infringe third-party rights or violate law. You grant Bravex a non-exclusive, worldwide, royalty-free license to host, process, display, and otherwise use User Content solely to operate and improve the Services. You remain responsible for your User Content.
13.6 Open-Source Software. The Services may include or interface with components subject to open-source licenses ("OSS"). Your use of OSS is governed by the applicable OSS licenses. To the extent any OSS license requires the provision of source code, Bravex will make it available as required.
13.7 Third-Party Content. The Services may display or link to third-party content, protocols, data feeds, or Partner materials. Such content is the sole responsibility of the third party, and all rights in such content are retained by their respective owners.
13.8 Feedback License. As noted in §12.5, you grant Bravex a perpetual, irrevocable, worldwide, royalty-free, transferable, and sublicensable license to use and exploit any Feedback without restriction.
13.9 Reservation of Rights; Termination. All rights not expressly granted are reserved by Bravex and its licensors. The license in §13.2 automatically terminates upon your breach of these Terms or upon our termination or suspension of the Services. Upon termination, you must cease all use of the Bravex Materials and, if applicable, delete any local copies under your control.
13.10 Injunctive Relief. Unauthorized use of the Bravex Materials may cause irreparable harm. Ogvio is entitled to seek injunctive or equitable relief to protect its intellectual-property rights, in addition to any other remedies available at law.
13.11 DMCA Notice & Repeat Infringer Policy We respect intellectual-property rights. If you believe content infringes your copyright, please send a notice to hello@ogvio.com with: (i) your contact info; (ii) a description and location (URL) of the allegedly infringing material; (iii) a statement of good-faith belief; (iv) a statement under penalty of perjury that the information is accurate and you are authorized; and (v) your signature. We may remove content and, in appropriate circumstances, terminate repeat infringers.
14.1 Program Overview Bravex may, from time to time, offer a referral program ("Program") allowing eligible users ("Referrers") to earn specified rewards ("Rewards") by referring new, eligible users ("Referred Users") to the Services, subject to these Terms and the specific conditions published on the Bravex website or application ("Program Details"). Rewards may include, without limitation, non-monetary incentives (e.g., promotional discounts), cryptocurrency (e.g., USDC), or fiat bonuses.
14.2 Eligibility and Qualified Referrals To earn Rewards, both the Referrer and the Referred User must be eligible to participate, as defined in the Program Details. A "Qualified Referral" requires the Referred User to: (a) Be a new user to Bravex and its Partners; (b) Use the Referrer's unique referral link or code; and (c) Meet all specific, current requirements as published in the Program Details, which may include, but are not limited to: completing identity verification (KYC), depositing a minimum amount, or executing a minimum transaction volume.
14.3 Rewards, Fees, and Risks (a) Nature of Rewards: Rewards are offered solely as a promotional incentive and have no monetary value outside of the specific use defined by Bravex (e.g., a "No Fee" reward is only a discount, not a cash payment). Crypto Rewards (such as BDG Bits) are subject to all the same risks disclosed in Section 5 (Assumption of Risk), including volatility and total loss. (b) Fees and Taxation: Referrers are solely responsible for all tax implications arising from the receipt of any Reward. You acknowledge and agree that Bravex will not provide any tax advice or complete any tax filings related to Rewards. (c) Non-Custodial: Rewards are processed through the same non-custodial and Partner infrastructure described in Section 4 and Section 6. Bravex is not responsible for delays, network fees, or losses incurred during the distribution or withdrawal of Rewards by Partners.
14.4 Fraud, Abuse, and Disclosures (a) Prohibited Conduct: You may not participate in the Program in a manner that is fraudulent, deceptive, or otherwise violates Section 8 (Prohibited Conduct). Prohibited conduct includes, but is not limited to: self-referral, generating fake accounts, using spam, publishing the referral code on commercial coupon sites, or paying to advertise your referral link. (b) Right to Audit and Withhold: Bravex reserves the right to audit participation and withhold, delay, or reclaim any Reward if we, in our sole discretion, suspect fraud, abuse, or violation of these Terms or the Program Details. (c) Required Disclosure: Referrers must clearly and conspicuously disclose their material connection to Bravex in any communication promoting the Program (e.g., by stating "I get a bonus when you sign up"). Failure to disclose this relationship is a violation of these Terms. Referrers must ensure all communications comply with applicable anti-spam laws (e.g., CAN-SPAM Act) and advertising regulations (e.g., FTC Guidelines). The required disclosure must be placed prominently and be immediately visible to the Referred User.
14.5 Right to Modify, Suspend, or Terminate (Liability Disclaimer) (a) Program Changes: Bravex reserves the right to change, modify, suspend, or terminate the Program, these Terms, the specific Program Details, or the value/type of Rewards offered at any time, for any reason, and without prior notice to you. (b) Discretionary Action: All decisions regarding the interpretation of these Terms, the eligibility of Referrers and Referred Users, and the issuance of Rewards are made by Bravex in its sole and absolute discretion and are final and binding. (c) No Liability: You acknowledge that Bravex shall have no liability to you or any third party for any loss, damage, expense, or inconvenience, including the loss of potential Rewards, resulting from any modification, suspension, or termination of the Program.
14.6 User Tags & Administrative Rights (a) Tags and labels assigned to users (including but not limited to status indicators, tier classifications, badges, or other designations) are provided solely for administrative and informational purposes. Such tags do not constitute property rights, contractual entitlements, or vested interests of any kind. (b) Bravex reserves the right, in its sole and absolute discretion, to change, add, remove, or modify any tags or labels assigned to your account at any time, for any reason or no reason, without prior notice to you and without compensation of any kind. (c) You acknowledge and agree that you have no right to rely on the continuity or accuracy of any tag or label, and that Bravex shall have no liability whatsoever for any modification, removal, or reassignment of tags. (d) Any benefits, features, or access rights associated with particular tags may be modified or terminated at any time in connection with tag changes, without creating any obligation to provide substitute benefits or compensation.
15.1 Ownership. As between you and Bravex, you retain all right, title, and interest in and to any data, text, images, files, code snippets, and other materials you upload, submit, or otherwise make available through the Services ("User Content"), subject to any third-party rights therein.
15.2 Limited License to Bravex (Service Operation). Solely to operate, maintain, secure, provide, and improve the Services (including troubleshooting, quality, routing, logging, analytics, abuse prevention, and support), you grant Bravex a worldwide, non-exclusive, royalty-free, transferable, and sublicensable license to host, cache, store, reproduce, process, adapt, modify (e.g., for formatting or display), translate, create derivative works of (to the extent necessary for technical operations), transmit, display, and perform your User Content. Bravex will exercise this license only as needed to provide the Services and as otherwise permitted by these Terms and our Privacy Policy.
15.3 Responsibility for User Content. You represent and warrant that you have all rights necessary to submit User Content and grant the foregoing license; that your User Content does not infringe or misappropriate any third-party rights, violate law, or contain malicious code; and that you are solely responsible for User Content and the consequences of submitting it.
15.4 Removal and Preservation. Bravex may remove, disable, or restrict access to User Content that we reasonably believe violates these Terms or law. We may preserve and disclose User Content when we reasonably believe it is required to comply with legal process or protect rights, property, safety, or the integrity of the Services.
15.5 No Sensitive Data. Unless we expressly agree in writing, you must not upload to the Services any data that is subject to special protections (e.g., regulated financial account numbers, health data, government IDs, biometric data, children's data, or other categories requiring heightened safeguards). You remain solely responsible for any such uploads.
15.6 Feedback. If you provide ideas, proposals, feature requests, suggestions, bug reports, or other feedback about the Services ("Feedback"), you grant Bravex a perpetual, irrevocable, worldwide, royalty-free, fully transferable and sublicensable license to use, copy, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display the Feedback for any purpose, without attribution, payment, or restriction. Feedback is provided "as is" without confidentiality obligations.
16.1 "AS IS" / "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES (INCLUDING ANY CONTENT, ROUTES, QUOTES, PRICES, LABELS, RISK FLAGS, DOCUMENTATION, BETA FEATURES, AND INTEGRATIONS) ARE PROVIDED "AS IS" AND "AS AVAILABLE." OGVIO AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND SUPPLIERS (COLLECTIVELY, "Bravex Parties") MAKE NO WARRANTIES OR CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, AND NON-INFRINGEMENT.
16.2 No Promises About Results. Bravex DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR COMPATIBLE WITH ANY PARTICULAR WALLET, NETWORK, TOKEN, OR DEVICE; THAT ROUTES, QUOTES, OR PRICES WILL BE AVAILABLE OR ACCURATE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR YIELD ANY PROFIT OR OUTCOME.
16.3 External Components & Volatility. Without limiting the foregoing, Bravex Parties DO NOT CONTROL AND ARE NOT RESPONSIBLE FOR: SMART CONTRACTS, VALIDATOR/MINER BEHAVIOR, NETWORK CONGESTION, MEV, REORGS, FORKS, OR PARAMETER CHANGES; DEFI/DEX/BRIDGE/ORACLE BEHAVIOR OR LIQUIDITY; PARTNER SERVICES (e.g., Owlting, and their providers); HACKS, EXPLOITS, PHISHING, MALWARE, OR OTHER SECURITY EVENTS; or ASSET VOLATILITY, SLIPPAGE, FAILED/REVERTED TRANSACTIONS, OR MISSED MARKET OPPORTUNITIES.
16.4 Information Only; No Advice. ANY INFORMATION PRESENTED VIA THE SERVICES IS FOR GENERAL INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, LEGAL, ACCOUNTING, OR TAX ADVICE; A RECOMMENDATION; OR AN ASSESSMENT OF SUITABILITY OR APPROPRIATENESS. YOU ALONE ARE RESPONSIBLE FOR YOUR DECISIONS.
16.5 Jurisdictional Limits. Some jurisdictions do not allow the exclusion of certain warranties. To the extent such laws apply, the scope and duration of any required warranty shall be the minimum permitted under applicable law.
17.1 Cap on Liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE Bravex Parties' TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS EXCEED THE GREATER OF: (A) ONE HUNDRED U.S. DOLLARS (US $100); (B) THE AMOUNT YOU PAID TO OGVIO FOR THE SERVICES THAT GAVE RISE TO THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT(S) GIVING RISE TO LIABILITY; OR (C) THE REMEDY OR PENALTY EXPRESSLY IMPOSED BY THE STATUTE UNDER WHICH SUCH CLAIM ARISES, IF APPLICABLE. THIS CAP IS AGGREGATE ACROSS ALL CLAIMS AND THEORIES.
17.2 Disclaimer of Certain Damages; Exclusions. YOU UNDERSTAND AND AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY LAW, THE Bravex Parties SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, ENHANCED, OR PUNITIVE DAMAGES; ANY LOSS OF PROFITS, REVENUE, GOODWILL, DATA, DIGITAL ASSETS (INCLUDING STABLECOINS AND OTHER CRYPTOASSETS), PRODUCTION, OR USE; BUSINESS INTERRUPTION; OR COSTS OF COVER / PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, IN EACH CASE WHETHER OR NOT OGVIO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICES, ANY COMMUNICATIONS YOU RECEIVE, OR ANY INTERACTIONS WITH THIRD PARTIES, ON ANY THEORY OF LIABILITY, RESULTING FROM OR RELATING TO, WITHOUT LIMITATION:
• (a) YOUR USE OF OR INABILITY TO USE THE SERVICES;
• (b) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, QUOTES/ROUTES, OR SERVICES PURCHASED OR OBTAINED, OR MESSAGES RECEIVED, OR TRANSACTIONS ENTERED INTO THROUGH THE SERVICES;
• (c) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS, KEYS, WALLETS, OR DATA;
• (d) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OR SURFACED THROUGH THE SERVICES (INCLUDING PARTNERS, ON-RAMPS, PROTOCOLS, OR TOKEN PROJECTS);
• (e) RUG PULLS, EXIT SCAMS, PROJECT ABANDONMENT, OR OTHER FRAUDULENT ACTIVITIES BY TOKEN CREATORS OR THIRD PARTIES;
• (f) COORDINATED ATTACKS, VOLUME/SPOOFING/LAYERING, WASH TRADING, FRONT-RUNNING/MEV, OR OTHER MARKET MANIPULATION TECHNIQUES BY THIRD PARTIES;
• (g) RELIANCE ON REPRESENTATIONS, PROMISES, "ROADMAPS," WHITEPAPERS, DISCLOSURES, OR OTHER INFORMATION PROVIDED BY TOKEN CREATORS, PARTNERS, OR THIRD PARTIES, OR THE APPARENT LEGITIMACY OF PROJECTS SURFACED IN THE INTERFACE;
• (h) FAILURE BY TOKEN CREATORS OR THIRD PARTIES TO MAINTAIN LIQUIDITY, CONTINUE DEVELOPMENT, OR FULFILL ANY COMMITMENTS, PROMISES, OR REPRESENTATIONS;
• (i) SUDDEN PRICE MOVES, DE-PEG EVENTS, LIQUIDITY DRAINS, OR OTHER VALUE DESTRUCTION IN DIGITAL ASSETS;
• (j) INABILITY TO SELL, TRANSFER, OR WITHDRAW DIGITAL ASSETS DUE TO LIQUIDITY ISSUES, SMART-CONTRACT VULNERABILITIES, BRIDGE FAILURES, NETWORK CONGESTION, REORGS, OR OTHER TECHNICAL FAILURES;
• (k) LOSSES RESULTING FROM "HONEYPOT" CONTRACTS, HIDDEN TRANSFER RESTRICTIONS, ADMIN-KEY ABUSE, PAUSABLE/UPGRADABLE CONTRACT FEATURES, OR OTHER DECEPTIVE / DANGEROUS SMART-CONTRACT FUNCTIONALITY;
• (l) ABANDONMENT OR DELETION OF SOCIAL MEDIA ACCOUNTS, WEBSITES, OR OTHER COMMUNICATIONS BY TOKEN CREATORS OR THIRD PARTIES; or
• (m) ANY OTHER MATTER RELATED TO THE SERVICES OR THIRD-PARTY INTEGRATIONS, WHETHER BASED ON WARRANTY, COPYRIGHT, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, STATUTE, OR ANY OTHER LEGAL THEORY.
17.3 Specific External Risks (Technology, Networks, Partners). WITHOUT LIMITATION, THE Bravex Parties ARE NOT LIABLE FOR LOSSES OR DAMAGES ARISING FROM OR RELATING TO: SMART-CONTRACT DEFECTS; BRIDGE/ORACLE FAILURES OR MISPRICING; NETWORK OR VALIDATOR/MINER BEHAVIOR; MEV/FRONT-RUNNING; REORGS/FORKS; CONGESTION OR OUTAGES; PARTNER OR BANK DECISIONS, OUTAGES, COMPLIANCE HOLDS, CHARGEBACKS, REVERSALS, OR FEES; SLIPPAGE OR FAILED/REVERTED TRANSACTIONS; TOKEN OR PROTOCOL "RUG PULLS"; MARKET MANIPULATION; PHISHING, MALWARE, OR SOCIAL-ENGINEERING; YOUR MIS-ADDRESSED TRANSFERS, WRONG NETWORKS, UNSUPPORTED ASSETS, OR MISCONFIGURED APPROVALS.
17.4 Carve-Outs (Non-Waivable Liability). Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law—including liability for death or personal injury caused by negligence; fraud or fraudulent misrepresentation; and, where non-excludable, gross negligence. Certain consumer rights may be non-waivable; to the extent required by law, those rights remain in effect.
17.5 Exclusion of Damages—Jurisdictional Notice. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS. WHERE REQUIRED, THE SCOPE AND DURATION OF ANY REQUIRED WARRANTY OR REMEDY SHALL BE THE MINIMUM PERMITTED BY APPLICABLE LAW.
17.6 Basis of the Bargain. THE LIMITATIONS AND EXCLUSIONS IN THIS SECTION ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN YOU AND OGVIO. THE SERVICES WOULD NOT BE PROVIDED WITHOUT THESE LIMITATIONS.
17.7 Claims Period. To the maximum extent permitted by law, any claim arising out of or relating to the Services or these Terms must be filed within one (1) year after the cause of action accrues, or such claim is permanently barred (subject to any tolling provided in §21.4(c)).
17.8 Multiple Claims; Parties. The limitations in this Section apply collectively to claims brought against any and all Bravex Parties, regardless of whether such claims are brought individually or in the aggregate, and regardless of the form of action (contract, tort—including negligence—strict liability, statute, or otherwise).
18.1 Your Indemnity. To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless Ogvio, its affiliates, and their respective directors, officers, employees, contractors, and agents (collectively, the "Bravex Parties") from and against any and all claims, demands, actions, investigations, penalties, fines, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:
• (a) your use of the Services (including interactions with Partners and Third-Party Protocols);
• (b) your breach of these Terms, Partner Terms, or any applicable law or regulation;
• (c) your User Content, including alleged infringement, misappropriation, or violation of third-party rights;
• (d) your illegal, fraudulent, deceptive, or abusive acts or omissions (including AML/CTF/sanctions-related violations, market manipulation, or data-protection violations);
• (e) any dispute between you and a Partner, on-ramp provider, DeFi/DEX protocol, bank, or other third party.
18.2 Procedure. Bravex will promptly notify you of any claim subject to indemnification (provided that failure to do so will not relieve your obligations except to the extent materially prejudiced). Bravex may, at its option, assume the exclusive defense and control of any matter at your expense; you will cooperate with our defense and settlement efforts. You may not settle any claim without Ogvio's prior written consent if the settlement (i) imposes an obligation on or admits fault by an Bravex Party, (ii) does not contain a full, unconditional release in favor of the Bravex Parties, or (iii) provides non-monetary relief.
18.3 Additional Rights. The indemnities in this Section are in addition to—not in lieu of—any other remedies available to Bravex at law, in equity, or under these Terms.
19.1 Force Majeure. Bravex will not be liable for any delay, disruption, or failure to perform resulting from events or circumstances beyond our reasonable control, including without limitation: acts of God, natural disasters, epidemics or pandemics, war, terrorism, civil unrest, governmental actions, embargoes, sanctions, labor disputes or strikes, electrical or power failures, fires, floods, extreme weather, cyberattacks, DNS or domain issues, internet or telecom failures, supply-chain failures, changes in law, or similar events.
19.2 Blockchain & Partner Dependencies. Without limiting the foregoing, you acknowledge that the Services depend on blockchain networks and independent Partners that we do not control. Ogvio is not liable for delays or failures caused by: blockchain congestion, mempool conditions, validator/miner downtime, forks/reorgs, MEV/front-running, protocol upgrades, gas price spikes, Partner or bank outages, on-ramp/off-ramp reversals or holds, KYC/AML reviews, payment processor issues, oracle/bridge failures, liquidity shortages, or third-party maintenance windows.
19.3 Availability; Maintenance. We may perform scheduled or emergency maintenance, updates, or changes at any time. We provide no SLA or uptime guarantee unless expressly agreed in a separate written agreement signed by Ogvio. Features may be modified, throttled, suspended, or discontinued where reasonably necessary for security, legal, compliance, or operational reasons.
19.4 Mitigation. Where feasible, Bravex will use commercially reasonable efforts to mitigate the impact of a Force Majeure Event and to restore affected Services. Nothing in this Section requires Bravex to incur out-of-pocket costs that are unreasonable in light of the circumstances.
20.1 Term. These Terms become effective on the earlier of: (a) the date you first access or use the Services; or (b) the date you accept them, and remain in effect until terminated as provided herein.
20.2 Suspension and Termination by Bravex. We may suspend, restrict, or terminate your access to some or all of the Services immediately, with or without notice, if we reasonably determine that:
• (a) you breached these Terms or any Partner Terms;
• (b) your use poses a security, legal, compliance, fraud, or operational risk;
• (c) we are required to do so by law, court order, or a competent authority;
• (d) doing so is necessary or prudent in light of sanctions/export-control obligations;
• (e) a Force Majeure Event or a Partner/network dependency renders continued access infeasible; or
• (f) we elect to discontinue the Services (in whole or part) for business, legal, or operational reasons.
20.3 Termination by You. You may terminate these Terms at any time by ceasing all use of—and, where applicable, uninstalling— the Services. Because Bravex is non-custodial, termination does not affect your separate relationships with Partners, your wallet(s), or any third-party services.
20.4 Effect of Suspension/Termination. Upon suspension or termination: (a) your right to use the Services ceases immediately; (b) any fees and charges already incurred remain due and payable; (c) Bravex may disable or remove access credentials, tokens, or integrations under our control; and (d) to the extent required or permitted by law, Bravex may retain certain records for legal, compliance, audit, security, or operational purposes. Bravex has no obligation to maintain or provide archives or backups of your data after termination, except as required by law.
20.5 Survival. The following provisions survive any suspension or termination: Non-Custodial Wallet & User Responsibility; Assumption of Risk / User Acknowledgements; Partner Services & Third-Party Integrations; Regulatory Disclaimers; Prohibited Conduct; Risk Disclosures - Third-Party Protocols; Fees & Payments; Taxes; Automatic Updates & Beta Features; Intellectual Property; Referral Program Terms; User Content & Feedback; Disclaimers of Warranties; Limitation of Liability; Indemnification; Force Majeure & Service Availability; Term & Termination; Governing Law & Dispute Resolution; and Miscellaneous (including assignment, severability, and notices). All accrued payment obligations also survive termination.
20.6 No Waiver; Cumulative Remedies. Any failure or delay by Bravex to enforce a right or remedy is not a waiver. Bravex's rights and remedies are cumulative and in addition to any rights and remedies available at law or in equity.
20.7 Interpretation with Partners. Termination of your access to the Bravex interface does not, by itself, terminate your separate relationships with Partners or Third-Party Protocols. You must manage those relationships under their applicable terms.
21.1 Governing Law. These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of the State of Wyoming, without regard to its conflicts-of-law rules, and consistent with the Federal Arbitration Act ("FAA"), 9 U.S.C. § 1 et seq. This Agreement evidences a transaction involving interstate commerce; the FAA governs the interpretation and enforcement of this Section.
21.2 Agreement to Arbitrate; Scope. Please read this Section carefully. It is part of your contract with Bravex and affects your rights. It contains procedures for mandatory binding arbitration and a class action waiver. Except as provided in §21.3, you and Bravex agree that any dispute, claim, or controversy arising out of or relating in any way to these Terms, the Services, any communications you receive from Bravex, or any prior versions of these Terms (each, a "Dispute") will be resolved by binding arbitration rather than in court. "Dispute" includes controversies that arose before you accepted these Terms and those that may arise after termination.
21.3 Limited Carve-Outs.
• (a) Small Claims. Either party may bring an individual claim in a court that has small-claims jurisdiction, if the matter qualifies and remains in small claims court.
• (b) Injunctive/Equitable Relief. Either party may seek temporary or preliminary injunctive or other equitable relief in court to protect intellectual-property rights, trade secrets, data-protection interests, or security, pending final resolution in arbitration.
21.4 Informal Dispute Resolution (Condition Precedent). Before commencing arbitration or initiating a small-claims case, the parties will attempt to resolve the Dispute informally.
(a) Notice. The initiating party must email a written "Notice of Dispute" to legal@ogvio.com (or to your email on file if Bravex initiates), stating: (i) the claimant's name, phone, mailing address, and account email (if any); (ii) a description of the Dispute; and (iii) the relief sought. You may also mail Notice to: Refinance Labs LLC d/b/a Ogvio, 30 N Gould St, Ste N, Sheridan, WY 82801.
(b) Conference. Within 45 days after the other party receives the Notice (unless extended by mutual agreement), the parties will personally meet and confer by phone or videoconference in a good-faith effort to resolve the Dispute (an "Informal Dispute Resolution Conference"). If represented, counsel may attend, but the party must also participate. Conferences are individualized; multiple individuals or claims do not combine unless all parties agree.
(c) Tolling. Applicable limitations periods and any AAA filing-fee deadlines are tolled from the date a complete Notice is received until the earlier of (i) the date the parties conclude the Conference, or (ii) 60 days after receipt of Notice.
(d) Condition Precedent. Completing the Conference is a condition precedent to arbitration. A court of competent jurisdiction may stay or dismiss an arbitration demand filed in breach of this §21.4.
21.5 Rules; Forum; Seat; Procedures; Fees. Arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (the "AAA Rules"), as modified by this Section.
• (a) Seat and Venue. The legal seat of arbitration is Bilings, Montana. Unless you and Bravex agree otherwise, the hearing will occur remotely (video or documents-only) or, at your election, in the county of your residence (if within the U.S.), subject to the AAA Rules.
• (b) Initiating Arbitration. A party initiating arbitration must serve a written Request for Arbitration on the other party and AAA. The Request must include: (i) the party's name, phone, mailing address, and email; (ii) a statement of legal claims and factual bases; (iii) the relief sought with a good-faith USD amount-in-controversy calculation; (iv) a certification that §21.4 was completed; and (v) proof of payment of required filing fees. If represented, counsel's contact information and signature are required. By signing, counsel certifies compliance with standards analogous to Fed. R. Civ. P. 11(b).
• (c) Discovery; Dispositive Motions. The arbitrator will allow reasonable, tailored discovery consistent with the expedited nature of arbitration, may decide dispositive motions, and will issue a reasoned written award.
• (d) Fees. AAA fees and arbitrator compensation are allocated per the AAA Rules and applicable law. If AAA is unavailable, the parties will select a comparable arbitral forum; if they cannot agree, a court of competent jurisdiction will select one.
21.6 Delegation; Authority of Arbitrator; Court-Decided Issues. The arbitrator has the exclusive authority to resolve all Disputes, including the interpretation, enforceability, revocability, scope, or validity of this arbitration agreement under the FAA, except that a court (not the arbitrator) will decide: (i) issues relating to the waiver of class, representative, or mass proceedings in §21.7; (ii) whether either party satisfied the condition precedent in §21.4; (iii) any dispute about arbitration fees allocation to the extent required by law; and (iv) which version of this arbitration agreement applies.
21.7 Waiver of Class Actions and Jury Trial; Non-Individualized Relief. YOU AND OGVIO WAIVE ANY RIGHT TO A JURY TRIAL. Claims may be brought only on an individual basis and not as a plaintiff or class member in any purported class, collective, consolidated, private-attorney-general, representative, or mass action. Only individualized relief is available; claims of more than one user may not be arbitrated together or consolidated, except as expressly permitted in §21.11 (Batch Arbitration). Subject to this Section, an arbitrator may award declaratory or injunctive relief only to the extent necessary to provide relief warranted by the individual claim. Participation in a class-wide settlement is not prohibited by this §21.7.
If a court of competent jurisdiction renders a final, non-appealable decision that this §21.7 is unenforceable as to a particular claim or request for relief (e.g., public injunctive relief), that claim or request (and only that) shall be severed from arbitration and may proceed in the state or federal courts located in Wyoming (or another court with jurisdiction and proper venue). All other Disputes remain subject to arbitration or small-claims court as applicable.
21.8 Confidentiality. All materials and documents exchanged in arbitration, and any orders, rulings, or awards, are confidential and may not be disclosed beyond the arbitration, except to the parties, their attorneys, accountants, or advisors (who must keep them confidential), as necessary to enforce the award in court, or as required by law.
21.9 Attorneys' Fees and Costs. Each party bears its own attorneys' fees and costs unless: (a) a statute provides otherwise; or (b) the arbitrator finds that a claim or relief sought was frivolous or brought for an improper purpose (measured against standards akin to Fed. R. Civ. P. 11(b)). A party that obtains a court order compelling arbitration may recover its reasonable costs, necessary disbursements, and reasonable attorneys' fees incurred in securing that order. The prevailing party in any court action solely about compliance with §21.4 (condition precedent) may recover reasonable costs and attorneys' fees.
21.10 Location, Procedures, and Fees (Supplement to §21.5). The arbitrator may direct a limited and reasonable exchange of information consistent with expedition. If AAA declines or is unavailable, the parties will use a mutually agreeable administrator applying comparable consumer rules; failing agreement, a court will select the forum. Any conflict between this §21 and the administrator's rules is resolved in favor of this §21 as permitted by law.
21.11 Batch Arbitration. To improve efficiency, if 100 or more substantially similar individual arbitration Requests are filed against Ogvio by or with the assistance of the same law firm(s) or organization(s) within 30 days (or as soon thereafter as practicable):
• (a) AAA will (1) administer the Requests in batches of up to 100 Requests each (plus any remainder as a final batch); (2) appoint one arbitrator per batch; and (3) provide for resolution of each batch as a single consolidated arbitration with one set of filing and administrative fees per side per batch, one procedural calendar, one hearing (if any), and one final award per batch ("Batch Arbitration").
• (b) Requests are "substantially similar" if they arise out of or relate to the same event or factual scenario and raise the same or similar legal issues and seek the same or similar relief.
• (c) If the parties disagree about Batch Arbitration's applicability, AAA will appoint a sole administrative arbitrator to promptly decide that issue; Ogvio will pay that administrative arbitrator's fees.
• (d) The parties will cooperate in good faith to implement batching, including use of discovery special masters and expedited calendars where appropriate.
• (e) This §21.11 does not authorize class, collective, representative, or mass arbitration beyond the batching mechanics stated here.
21.12 Authority of Arbitrator; Award; Judgment. Subject to §21.6 and §21.7, the arbitrator has authority to grant any relief available in court to remedy the individual claim, will issue a reasoned written award, and may grant dispositive motions. Judgment on the award may be entered in any court of competent jurisdiction.
21.13 30-Day Right to Opt Out (Arbitration). You may opt out of this arbitration agreement by sending a written notice to info@bravexkz.com or by mail to Bravex LLC d/b/a Bravex, 10024TH ST W STE 1-1058 BILLINGS, MT, postmarked within 30 days after the earlier of (a) your first use of the Services; or (b) the date you first agreed to these Terms. Your notice must include your name, mailing address, and the email associated with your account (if any), plus a clear statement that you wish to opt out of arbitration. If you opt out, §21.7 (jury/class waiver) still applies to the fullest extent permitted by law, and all other provisions of these Terms remain in effect.
21.14 Time to Bring Claims; Tolling. To the maximum extent permitted by law, any Dispute must be filed within one (1) year after the claim accrues; otherwise, it is permanently barred. Tolling during Informal Dispute Resolution is described in §21.4(c). Statutes of limitation otherwise apply in arbitration as they would in court.
21.15 Severability. If any part of this Section is found unenforceable as to a particular claim or request for relief, that portion shall be severed and the remainder enforced to the maximum extent permitted, except that if §21.7 (class/representative/mass waiver) is found unenforceable as to a claim, that claim must be litigated in court and not arbitrated.
21.16 Modification of Arbitration Terms. Notwithstanding §23 (Updates to Terms), if Bravex materially changes this §21, Bravex will provide notice. Unless you reject the change within 30 days after it becomes effective (by written notice to the address in §21.13), your continued use of the Services constitutes acceptance of the changes. Changes do not open a new opt-out window if you previously agreed to arbitration and did not validly opt out. If you reject a material change, the version of §21 in effect immediately before your rejection remains in force for you.
21.17 Consumer & Local Law Preservation. Nothing in this Section limits any non-waivable rights under applicable consumer-protection law. To the extent arbitration or class-waiver provisions are not permitted for certain users, those provisions will not apply to the minimum extent required by law; the remainder of this Section remains in full force.
21.18 Venue for Court Proceedings. For any judicial proceeding permitted by this Section (including the carve-outs in §21.3, severed claims under §21.7, motions to compel arbitration, enter judgment, or enforce an award), the exclusive venue will be the state or federal courts located in Wyoming, subject to personal-jurisdiction and venue rules. Each party consents to such courts.
22.1 Assignment. You may not assign, delegate, or transfer these Terms, by operation of law or otherwise, without Bravex's prior written consent. Any attempted assignment in violation of this Section is void. Bravex's may assign these Terms, in whole or part, to an affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of assets.
22.2 Relationship of the Parties. The parties are independent contractors. These Terms do not create a partnership, joint venture, employment, agency, or fiduciary relationship.
22.3 Entire Agreement. These Terms (including any documents incorporated by reference, such as the Privacy Policy and any feature-specific supplemental terms presented within the Services) constitute the entire agreement between you and Bravex regarding the subject matter and supersede all prior or contemporaneous understandings.
22.4 Waiver. No failure or delay by either party in exercising any right hereunder shall constitute a waiver of that or any other right. A waiver is effective only if in writing and signed by the waiving party.
22.5 Severability. If any provision of these Terms is held invalid or unenforceable, that provision shall be enforced to the maximum extent permissible and the remaining provisions shall remain in full force and effect.
22.6 Export & Sanctions Compliance. You represent and warrant that you are not located in, organized under the laws of, or ordinarily resident in a country or territory subject to comprehensive U.S. sanctions and are not a denied or restricted party under U.S. or other applicable export/sanctions laws. You agree to comply with all export, re-export, and sanctions laws and regulations applicable to your use of the Services and any technical data accessed through them.
22.7 Notices. We may provide notices to you via in-app messages, email, or posting within the Services. Legal notices to Bravex must be sent to compliance@bravexkz.com and by mail to: Bravex 10024TH ST W STE 1-1058 BILLINGS, MT. Monata. Notices are deemed given (a) when emailed, if sent during business hours at the recipient's location (otherwise on the next business day); (b) when posted in-app; or (c) three (3) business days after mailing via a nationally recognized courier.
22.8 Electronic Communications; Signatures. You consent to receive electronic communications and agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. Electronic acceptance or signatures shall have the same force and effect as originals.
22.9 Headings; Interpretation. Headings are for convenience only and do not affect interpretation. "Including" means "including without limitation." Any versions of these Terms in a language other than English are provided for convenience; the English version controls in case of conflict.
22.10 Third-Party Beneficiaries. Except as expressly stated, there are no third-party beneficiaries to these Terms.
22.11 Mobile Applications If you download our mobile application from the Apple App Store or use it on an iOS device, you acknowledge that these Terms are between you and Bravex only, not Apple, and Apple is not responsible for the Services or their content. Apple has no obligation to furnish any maintenance or support. To the maximum extent permitted by law, Apple has no warranty obligations and is not responsible for claims, losses, liabilities, damages, costs, or expenses attributable to the app or your use. You must comply with applicable third-party terms when using the app. Apple and its subsidiaries are third-party beneficiaries of this §22.11 and, upon your acceptance of these Terms, Apple will have the right to enforce this §22.11 against you. Similar terms apply to apps obtained via Google Play, and Google is a third-party beneficiary of the applicable portions of this §22.11.
22.12 DMCA Notice See §13.11 for our DMCA policy and takedown procedure.
22.13 California Consumer Notice Under Cal. Civ. Code §1789.3, California residents may contact the Consumer Information Center of the California Department of Consumer Affairs, 1625 North Market Blvd., Sacramento, CA 95834; (800) 952-5210.
23.1 Right to Amend. We may amend or update these Terms from time to time, in our sole discretion, to reflect changes in the Services, law, or business operations.
23.2 Effective Dates. For new users, changes take effect immediately upon posting or presentation. For existing users, material changes will become effective 30 days after we provide notice (e.g., via email, in-app notice, or by posting within the Services), unless a shorter period is required by law for security, legal, or compliance reasons.
23.3 Continued Use = Acceptance. Your continued access to or use of the Services after the effective date of updated Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the Services before the changes take effect.
23.4 Version Control. We will update the "Last Updated" date at the top of these Terms. We may maintain prior versions for reference and will provide a copy on request.