Master Terms of Service & End User License Agreement (EULA)

Volkov Intelligence Systems L.L.C. · Sandy, Utah, USA · Last updated July 26, 2026

Master Legal Infrastructure · Revision 2026.4 · Effective July 26, 2026 · Sandy, Utah, USA · Version 2026.4-global-unified

1. Acceptance of Terms

By accessing Clarity (exchange.clarity-fintech.com), Universal Search (⌘K), or Spark Rails, you agree to this Agreement with Volkov Intelligence Systems L.L.C. (Sandy, Utah, USA). If you do not agree, do not use the Platform.

2. Eligibility & Restricted Jurisdictions

You are at least 18 (or age of majority) and not located in, resident of, or organized under comprehensive OFAC, EU, UN, or HM Treasury sanctions. You are not on SDN or equivalent embargo lists.

3. Pre-Launch Network Rules & Settlement Notice

Pre-Launch Status: CLRTY-1 mainnet TGE, native staking priority mesh, and 1-tap auto-node rewards remain frozen pending institutional funding and TGE triggers.

Pre-Launch Circuit Breakers: Native CLRTY mint, stake, and transfer may be halted automatically when launch guards trip (including HTTP 423 pre-launch freeze responses). Spark and partner banking rails may invoke operational circuit breakers during fraud spikes, liquidity stress, or acquirer downtime — checkout may pause without notice.

Pre-Launch Settlement: Fiat on-ramp/off-ramp via Spark settles in active liquid assets (USDC, USDT, ETH, SOL, BTC) — not native CLRTY until formal network launch. Pre-TGE use confers no immediate native token rights.

4. Non-Custodial Responsibility & Key Loss

You maintain sole responsibility for your seed phrase and password. Lost recovery phrases cannot be restored by Clarity or Volkov Intelligence Systems L.L.C. You release Clarity from liability for lost access, compromised clients, or unauthorized imports.

5. Prohibited Conduct

You shall not launder funds, manipulate markets, front-run, scrape unauthorized APIs, wash trade, or conduct card testing. High-frequency abuse outside documented API limits is prohibited.

6. End User License & Intellectual Property

Clarity grants a limited, non-exclusive, non-transferable license for lawful personal or institutional treasury use. Software, algorithms, smart contracts, and trademarks remain Company property. No reverse engineering or resale of Spark access without written authorization.

7. Spark Rails, Fees & Chargebacks

Spark supports FedNow, ACH, SEPA, Apple Pay, and Google Pay via regulated Clarity Spark partners. Protocol fees route 100% to treasury:clrty-1 operational utility (zero profit-sharing). See Spark disclosure.

Chargebacks, ACH returns (including $25 USD recovery fee where permitted), and bank reversals may suspend checkout, freeze pending dispatch, or trigger recovery debits.

8. Disclaimer of Warranties & Limitation of Liability

"AS IS" AND "AS AVAILABLE" DISCLAIMER: THE PLATFORM, APIS, AND DIGITAL UTILITIES ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SYSTEM RESILIENCE, OR NON-INFRINGEMENT.

+-----------------------------------------------------------------------------------+
|                            LIMITATION OF LIABILITY CLAUSE                         |
+-----------------------------------------------------------------------------------+
| TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL VOLKOV        |
| INTELLIGENCE SYSTEMS L.L.C., ITS DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE    |
| LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES   |
| (INCLUDING LOSS OF PROFITS, DATA, CRYPTOGRAPHIC ASSETS, OR NETWORK DOWNTIME),     |
| ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE PLATFORM.                    |
|                                                                                   |
| MAXIMUM AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF $100.00 USD OR THE    |
| TOTAL FEES PAID BY YOU TO THE COMPANY IN THE PRECEDING THREE (3) MONTHS.          |
+-----------------------------------------------------------------------------------+

9. Dispute Resolution & Binding Arbitration

Parties will attempt informal resolution for 30 days before arbitration. Disputes shall be settled by binding arbitration under ICDR / AAA International Arbitration Rules. The seat of arbitration is Sandy, Utah, USA. Language: English. Class action waiver: claims must be brought individually, not as a class or representative action.