TERMS OF USE Effective Date: 25/2/2026 These Terms of Use ("Terms") govern your access to and use of the Jarnazi platform and services (the "Service") operated by JARNAZI OU. Company Name: JARNAZI OU Legal Address: Ahtri tn 12, 10151 Tallinn, Estonia Contact Email: contact@jarnazi.com By accessing or using the Service, you agree to be legally bound by these Terms. 1. ELIGIBILITY You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you meet this requirement. 2. ACCOUNT RESPONSIBILITY You are responsible for maintaining confidentiality of your account credentials and for all activities under your account. We may suspend or terminate accounts at our discretion. 3. TOKEN SYSTEM The Service operates using a digital token system. - Tokens are required to access certain features. - Token pricing and consumption rates may change at any time. - Tokens are non-transferable. - Except where required by law, tokens are non-refundable. - Tokens have no monetary value outside the Service. 4. PAYMENTS Payments are processed by third-party providers. We do not store full payment card details. Anti-Chargeback Policy: You agree not to initiate fraudulent chargebacks. In case of chargebacks or payment disputes, we reserve the right to: - Suspend or terminate your account - Remove credited tokens - Recover outstanding balances - Report fraudulent behavior - Pursue legal remedies 5. ACCEPTABLE USE You agree not to: - Violate any applicable laws - Attempt to exploit or manipulate the token system - Interfere with system operations - Upload malicious code - Reverse engineer the Service - Use the Service for unlawful or harmful purposes 6. AI DISCLAIMER The Service may generate AI-based outputs. AI outputs: - May be inaccurate or incomplete - Are provided "as is" - Should not be relied upon as professional advice You assume full responsibility for how you use generated content. 7. INTELLECTUAL PROPERTY All intellectual property rights in the Service remain the property of JARNAZI OU. No rights are granted except as expressly stated. 8. SERVICE MODIFICATIONS We may modify, suspend, or discontinue the Service at any time without liability. 9. DISCLAIMER OF WARRANTIES The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind. 10. LIMITATION OF LIABILITY To the maximum extent permitted by law, JARNAZI OU shall not be liable for indirect, incidental, special, consequential, or punitive damages. Total liability shall not exceed the amount paid by you in the three (3) months preceding the claim. 11. INDEMNIFICATION You agree to indemnify and hold harmless JARNAZI OU from claims arising from your misuse of the Service or violation of these Terms. 12. TERMINATION We may suspend or terminate access without prior notice for violations or risk exposure. 13. GOVERNING LAW These Terms shall be governed by the laws of Estonia, without regard to conflict of law principles. 14. ARBITRATION AGREEMENT Any dispute arising from or relating to these Terms shall be resolved through binding arbitration conducted on an individual basis. You waive the right to: - Participate in class actions - Participate in class arbitration - Act as a representative plaintiff Arbitration shall be conducted in Estonia under applicable arbitration rules. 15. FORCE MAJEURE We are not liable for delays or failures caused by events beyond reasonable control. 16. CHANGES TO TERMS We may update these Terms at any time. Continued use of the Service constitutes acceptance of updated Terms. 17. CONTACT INFORMATION JARNAZI OU Ahtri tn 12, 10151 Tallinn, Estonia Email: contact@jarnazi.com