Terms of Service

Last updated: April 30, 2026

These Terms of Service ("Terms") govern your use of ChatNFT ("Platform"), operated by Onchain Labs at www.chatnft.io. By connecting your wallet or using any feature, you agree to these Terms.

1. Eligibility

You must be at least 18 years old. You must not be located in, or a citizen or resident of, any jurisdiction where use of the Platform or its tokenized securities features is prohibited by law, including the United States, Cuba, Iran, North Korea, Syria, Russia, Belarus, and Myanmar. You represent and warrant that your access and use complies with all laws applicable to you.

2. NFT Transactions — Price Risk and Variability

ChatNFT facilitates buying, selling, listing, making offers, and bidding on NFTs via integrated marketplace protocols (including Reservoir). All NFT transactions are subject to significant price risk:

• The price you receive when selling or accepting an offer may differ from the price you paid or from current floor prices.
• NFT floor prices, rarity valuations, and collection values are highly volatile and can drop to zero.
• Bids and offers are non-binding until accepted; a seller may accept a different offer or delist at any time.
• Once an on-chain transaction is submitted, it is irreversible. We cannot cancel, reverse, or refund any completed transaction.
• Marketplace fees and gas fees apply to all transactions and are non-refundable.

3. Token Swaps — Slippage and Output Variability

ChatNFT integrates Li.Fi for cross-chain token swaps. You acknowledge and accept the following swap risks:

• Slippage: The amount of tokens you receive may be less than the quoted amount due to price movement between quote and execution.
• Price impact: Large swaps may move the market price, resulting in worse execution than displayed.
• Route changes: Li.Fi may route your swap through one or more protocols; the final output token amount is determined at execution time, not at quote time.
• Bridge delays: Cross-chain swaps may experience delays of minutes to hours. During this time, asset values may change.
• We display indicative quotes in good faith but make no guarantee that final executed amounts will match displayed estimates.

4. Tokenized Stocks (Ondo Global Markets)

ChatNFT provides access to tokenized equity products issued by Ondo Finance ("Ondo Global Markets"). These products are subject to strict legal requirements:

• Reg S Restriction: Ondo Global Markets are issued under SEC Regulation S and may only be purchased by non-U.S. persons. Access is blocked for users in the United States.
• Sanctioned Jurisdictions: Access is blocked for users in Cuba, Iran, North Korea, Syria, Russia, Belarus, Myanmar, and any other jurisdiction added to Ondo Finance's restricted list.
• Your Representation: By accessing Ondo Global Markets features, you represent and warrant that you are not a U.S. person, not located in a restricted jurisdiction, and are in full compliance with all applicable securities laws in your jurisdiction.
• Ondo Finance Terms: Your use of Ondo Global Markets features is also subject to Ondo Finance's terms of service and disclosure agreements, which you agree to by proceeding past the in-app disclosure screen.
• Price Risk: Ondo Global Markets prices track underlying equities but may diverge due to liquidity, oracle delays, or market conditions. You may receive less than expected upon redemption or sale.
• No Investment Advice: Nothing on this Platform constitutes investment advice. You are solely responsible for your investment decisions.

5. Collateral-Backed Loans — Default and Liquidation

ChatNFT may facilitate access to collateral-backed loan products via integrated lending protocols (including Teller). Before entering any loan, you must understand and accept the following:

• Collateral at Risk: When you take out a loan, you deposit digital assets as collateral. If you fail to repay the loan in full — including principal, accrued interest, and any applicable fees — by the due date, your entire collateral deposit may be seized, liquidated, or otherwise forfeited. You may lose all collateral regardless of its value at the time of default.
• No Partial Recovery: In the event of default, the lending protocol may liquidate your collateral at market price without notice. If the collateral's market value at liquidation is less than the outstanding loan amount, you remain liable for any remaining deficit. If its value exceeds the loan amount, any surplus may or may not be returned depending on the protocol's terms; ChatNFT makes no guarantee of surplus recovery.
• APY and Interest Rate Accuracy: Any annual percentage yield (APY), annual percentage rate (APR), or interest rate displayed on the Platform is provided for informational purposes only and is sourced from third-party lending protocols. These rates are variable and may change at any time without notice. The rate displayed at the time you initiate a loan may differ from the rate actually applied during the loan term. ChatNFT makes no representation or warranty as to the accuracy, completeness, or current validity of any displayed rate. You are solely responsible for verifying the applicable rate directly with the lending protocol before proceeding.
• Due Date Accuracy: Loan due dates, repayment schedules, and maturity dates displayed on the Platform are sourced from third-party protocols and are provided as estimates only. Actual due dates are determined by the on-chain smart contract, not by any display on this Platform. ChatNFT does not guarantee that displayed due dates are accurate or up to date. You are solely responsible for monitoring your loan's actual on-chain repayment deadline and ensuring timely repayment.
• No Reminders or Notifications: ChatNFT does not guarantee delivery of repayment reminders, due date alerts, or liquidation warnings. You must independently monitor your loan status and repayment obligations. Failure to receive a notification does not excuse a default.
• Smart Contract Risk: Loan terms are enforced by third-party smart contracts that ChatNFT does not control. Bugs, exploits, oracle failures, or protocol-level decisions may affect your loan, collateral, or repayment in ways ChatNFT cannot prevent or reverse.
• No Liability for Default Consequences: ChatNFT and Onchain Labs are not responsible for any loss of collateral, liquidation events, or financial harm resulting from your failure to repay a loan on time or in full, regardless of the cause of default.

6. Fiat On-Ramp Services

ChatNFT may display or link to third-party fiat on-ramp services that allow you to purchase cryptocurrency using traditional payment methods (such as credit or debit cards, bank transfers, or other payment rails). You acknowledge and accept the following:

• Third-Party Services: On-ramp services are provided by independent third-party providers, not by ChatNFT or Onchain Labs. ChatNFT does not process payments, hold fiat funds, or execute on-ramp transactions. We are not a party to any transaction between you and an on-ramp provider.
• No Guarantee of Availability or Rates: Exchange rates, fees, and availability of on-ramp services are determined solely by the third-party provider and may change without notice. The rate displayed before initiating a transaction may differ from the rate applied at execution. ChatNFT makes no representation as to the accuracy of any displayed rate or fee.
• Regulatory Compliance: On-ramp providers are subject to their own KYC (Know Your Customer), AML (Anti-Money Laundering), and regulatory requirements. You may be required to provide identity verification, and your transaction may be declined, delayed, or reversed by the provider at their discretion. ChatNFT has no control over and accepts no liability for such decisions.
• Payment Failures and Chargebacks: ChatNFT is not responsible for failed payments, chargebacks, or disputes between you and an on-ramp provider or your payment institution. If a payment is reversed after cryptocurrency has been delivered to your wallet, you remain solely liable for any resulting deficit.
• No Refunds via ChatNFT: ChatNFT cannot issue refunds for purchases made through third-party on-ramp providers. All refund or dispute requests must be directed to the on-ramp provider directly.
• Jurisdiction Restrictions: On-ramp services may not be available in all jurisdictions. It is your responsibility to ensure that your use of on-ramp services complies with all laws applicable in your jurisdiction.
• No Liability: ChatNFT and Onchain Labs shall not be liable for any loss, including financial loss, arising from your use of or inability to use any third-party on-ramp service, including but not limited to losses resulting from rate changes, failed transactions, provider insolvency, or regulatory action.

7. Self-Custody

ChatNFT is a non-custodial platform. We never hold, control, or have access to your private keys or assets. You are solely responsible for the security of your wallet. Loss of your seed phrase or private key means permanent loss of access to your assets.

8. No Warranties

THE PLATFORM IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY TRANSACTION WILL EXECUTE AT THE DISPLAYED PRICE OR COMPLETE SUCCESSFULLY.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CHATNFT AND ONCHAIN LABS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR DIGITAL ASSETS, ARISING FROM YOUR USE OF THE PLATFORM.

10. Prohibited Uses

You may not use ChatNFT for money laundering, sanctions evasion, market manipulation, or any activity prohibited by applicable law.

11. Changes

We may modify these Terms at any time. Continued use constitutes acceptance of updated Terms.

12. Contact

Questions: [email protected]