Terms of Service Agreement

Last Updated: February 18, 2026

1. Nature of Services

BlockApps, Inc., a Delaware registered company provides technology platforms to businesses ("BlockApps," "we," or "us"). We provide the user interface, dashboard, and software tools (the "Platform") that allow users to interact with digital representations of Real World Assets (“RWAs”), including, but not limited to, precious metals and other digital assets managed by STRATO, Inc., a BVI company ("BVI Entity"). BlockApps, acts solely as an asset-backed software provider and administrative agent for the BVI Entity; it is not a custodian, broker-dealer, money transmitter, or financial advisor. The term “asset-backed” refers specifically to the technical functionality of our software, which creates digital representations of physical property for the purpose of title transparency and operational efficiency. At no time does BlockApps, Inc. take physical or legal possession of, or exercise control over, any physical assets or the funds used to purchase them. All custodial and storage responsibilities are held exclusively by the BVI Entity or its designated third-party vaulting partners.

2. Relationship to BVI Entity

All transactions involving the storage, purchase, and physical redemption of precious metals are governed by separate agreements with the BVI Entity. BlockApps provides the technical interface to facilitate these interactions but is not a party to the underlying storage or purchase agreements. No agency, partnership, joint venture, or employment relationship is created between BlockApps and the User as a result of these Terms. User acknowledges and agrees that the BVI Entity is the sole Merchant of Record for all purchases, sales, and storage of RWAs. All payment processing for such physical assets is handled by third-party processors on behalf of the BVI Entity. BlockApps only processes payments for its own Platform subscription and interface fees.

3. Eligibility and Compliance

  • Age & Sanctions: You represent that you are at least 18 years old and are not (a) located in, under the control of, or a national or resident of any country to which the United States has embargoed goods or services; or (b) identified on the Office of Foreign Assets Control's (“OFAC”) Specially Designated Nationals (“SDN”) List. Use of our platform is strictly prohibited for any individual or entity listed on the US treasury department's OFAC SDN list, the UK sanctions list, or the EU consolidated financial sanctions list.
  • KYC/AML: Access to certain features is contingent upon successful completion of identity verification. We reserve the right to share this data with authorized third-party providers (e.g., Stripe Identity) to comply with Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations.

4. No Investment Advice or Solicitation

The Platform provides tools for the tracking and management of digital representations of precious metals. Nothing on the Platform should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any asset. Users are solely responsible for determining whether any transaction is appropriate based on their personal objectives.

5. Fees, Refunds, and Chargebacks

  • Non-Refundable Fees: Subscription or interface fees paid to BlockApps are for Platform access and are non-refundable unless otherwise required by law.
  • Chargeback Policy: Any disputes regarding the underlying value or delivery of physical precious metals are governed by the agreement with the BVI Entity and shall not be subject to a credit card or payment processor chargeback against BlockApps.
  • Chargeback Indemnification: Any attempt to initiate a chargeback against BlockApps for funds paid to the BVI Entity for physical assets shall be considered a breach of these Terms.

6. Platform Security and Risks

  • User Responsibility: You are responsible for maintaining the confidentiality of your login credentials and private keys.
  • Technical Risks: The Platform is provided on an "as-is" basis. We do not guarantee that the Platform will be free from cyber-attacks, malicious code, computer viruses, or technical interruptions.
  • Software Maintenance: BlockApps shall use commercially reasonable efforts to ensure Platform availability. As a software provider, our sole obligation is the maintenance of the digital interface; any failure regarding physical asset redemption or vaulting is the sole responsibility of the BVI Entity.

7. Limitation of Liability

To the maximum extent permitted by Delaware law, BlockApps shall not be liable for any indirect, incidental, or consequential damages arising out of your use of the Platform. Our total liability shall not exceed the fees paid by you to BlockApps in the six months preceding the claim.

8. Privacy and Data

We hold personal information in confidence and only use it as necessary to provide the Platform services and comply with legal requirements.

9. Governing Law and Jurisdiction

These Terms shall be governed by the laws of the State of Delaware. Any dispute arising from these Terms shall be resolved exclusively in the state or federal courts located in Delaware.

10. Dispute Resolution: Arbitrations; Waiver of Jury Trial and Class Action

  • Binding Arbitration: Any dispute, claim, or controversy arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration in Wilmington, Delaware. The arbitration shall be administered by JAMS pursuant to its Streamlined Arbitration Rules and Procedures then in effect, in the English language, and with limited discovery. The tribunal will consist of one arbitrator. The prevailing party in any action or proceeding to enforce these terms shall be entitled to costs and attorney fees. Judgment on the Award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction.
  • Confidentiality. The parties shall maintain the confidential nature of the arbitration proceeding and the award, including the hearing, except as may be necessary to prepare for or conduct the arbitration hearing on the merits, in connection with a court application for a preliminary remedy or in connection with a judicial challenge to an arbitration award or its enforcement, or to the extent that disclosure is otherwise required by law or judicial decision.
  • Waiver of Jury Trial. EACH PARTY HEREBY IRREVOCABLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY (WHETHER BASED ON CONTRACT, TORT, OR ANY OTHER THEORY).
  • Waiver of Class Action. WE EACH AGREE THAT ANY AND ALL DISPUTES, WHETHER SUBMITTED TO ARBITRATION OR DECIDED BY A COURT, MUST BE BROUGHT IN THE PARTY'S INDIVIDUAL CAPACITY AND NOT AS A CLASS ACTION PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. YOU AGREE TO WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR LITIGATE ON A CLASS-WIDE BASIS. UNLESS BOTH YOU AND BLOCKAPPS AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the Platform after such changes constitutes your acceptance of the new Terms.