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DISCLAIMER

RATELGRID IS A GAME. TREAT IT AS SUCH.

By using our Services, you acknowledge and agree to the following:

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1. No Investment Advice

1.1 Not Financial Advice

NOTHING on our website, app, or communications is financial advice. We are NOT: • Financial advisors • Investment advisors • Tax advisors • Legal advisors We don't provide: • Investment recommendations • Financial planning • Tax guidance • Legal counsel Always consult licensed professionals before making financial decisions.

1.2 $RATEL is Not an Investment

$RATEL token is a utility token for in-game use. It is NOT: • A security • An investment contract • A promise of profits • A store of value It IS: • A virtual item for gameplay • Subject to change in value (or become worthless) • Not backed by any assets • Not regulated by securities laws Do not buy $RATEL expecting profits.
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2. Risk Acknowledgment

2.1 Cryptocurrency Risks

Crypto is extremely risky. You could lose everything: • $RATEL could go to $0 • AVAX could crash • Avalanche network could fail • Smart contracts could have bugs • Exchanges could be hacked • Regulations could change Only invest what you can afford to lose completely.

2.2 Gaming Risks

You could lose in-game: • Virtual currency ($RATEL) • Tournament entry fees • Time and effort • Competitive rankings No guarantees of: • Winning • Earning rewards • Maintaining value • Service continuity

2.3 Technical Risks

Technology can fail: • Servers crash • Bugs cause issues • Blockchain networks congest • Wallets get hacked (if you're careless) • Data breaches occur We do our best, but perfection is impossible.

3. No Guarantees

3.1 Service Availability

We don't guarantee: • 24/7 uptime • Uninterrupted service • Error-free operation • Compatibility with all devices • Permanent existence of the game We may shut down at any time.

3.2 Economic Guarantees

We don't guarantee: • $RATEL will have value • You'll make money • Prices will remain stable • Rewards will continue • Game economy will work as intended Economics are unpredictable.

3.3 Outcome Guarantees

We don't guarantee: • Fair token outcomes (they're random) • Winning tournaments • Earning specific amounts • Tournament prize pools (we guarantee minimums, not maximums) Skill and luck both play a role.
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4. Forward-Looking Statements

4.1 Roadmap is Not a Promise

Our roadmap is aspirational, not binding. We may: • Delay features • Cancel plans • Change direction • Fail to deliver Don't rely on roadmap as fact.

4.2 Projections are Estimates

All financial projections are estimates: • User growth targets • Revenue projections • Token price predictions • Market cap goals These are educated guesses, not guarantees.
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5. Jurisdiction-Specific

5.1 United States

If you're in the US: • $RATEL is not registered with SEC • Our game may be considered skill-based gaming • State laws vary (check yours) • We don't operate in restricted states • Tax implications apply (consult CPA)

5.2 European Union

If you're in EU/EEA: • GDPR applies (see Privacy Policy) • MiCA regulations may apply to $RATEL • Online gaming laws vary by country • We comply with applicable laws

5.3 Other Jurisdictions

Check your local laws: • Online gaming legality • Cryptocurrency regulations • Tax obligations • Age restrictions You're responsible for compliance.
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6. Third-Party Disclaimer

6.1 Avalanche Network

We build on Avalanche, but: • We don't control the network • Network risks exist • Ava Labs is separate entity • Check their disclaimers

6.2 Other Partners

Any partners, affiliates, or integrations: • Are independent • Have their own terms • Carry their own risks • Are not our responsibility
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7. Tax Implications

7.1 You're Responsible

Crypto and gaming winnings may be taxable. You must: • Track your earnings • Report to tax authorities • Pay applicable taxes • Consult a tax professional We provide: • Transaction history exports • Annual summaries (if required) • Fair market value estimates We don't provide: • Tax advice • Tax preparation • Tax filing

7.2 Reporting Thresholds

In the US: • We report winnings >$600 (1099 forms) • You're responsible for reporting all winnings Other countries: Check local laws.
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8. Limitation of Liability

8.1 Maximum Liability

Our maximum liability to you: Lesser of: • Amount you paid us in last 12 months • $100 USD This applies to: • All claims • All damages • All theories of liability

8.2 Excluded Damages

We're not liable for: • Lost profits • Lost data • Lost opportunities • Consequential damages • Indirect damages • Punitive damages • Emotional distress Even if we knew they were possible.

8.3 Exceptions

This limitation doesn't apply to: • Gross negligence • Willful misconduct • Fraud • Where prohibited by law
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9. Indemnification

9.1 Your Responsibility

You agree to indemnify us for: • Your violations of Terms • Your violations of law • Your negligence or misconduct • Third-party claims arising from your use If you get us sued, you pay.
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10. Accuracy of Information

10.1 No Warranty of Accuracy

We strive for accuracy, but: • Information may be outdated • Errors may occur • Third-party data may be wrong • Blockchain data could be misinterpreted Verify important information independently.

10.2 External Links

Links to external sites: • Are for convenience only • We don't endorse content • We're not responsible for accuracy • Use at your own risk

17. ACKNOWLEDGMENT

You've read this entire disclaimer

You understand the risks

You accept all terms and limitations

You're not relying on our statements as advice

You're making informed decisions

You won't hold us liable beyond stated limits

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PLEASE READ ALL SECTIONS

Check the boxes as you read each section (0/10 completed)

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FINAL STATEMENT

THIS IS A GAME ABOUT SPOTTING SCAMS.

Ironically, the best way to avoid getting scammed is to read disclaimers like this.

You did that. Good job.

Now go play responsibly.

CONTACT FOR LEGAL MATTERS

Email: legal@ratelgrid.io

Last Updated: January 21, 2026 | Version: 1.0

We're not your financial advisor. We're not your lawyer.

We're just trying to build a fun game.

Play smart. Don't bet the farm. Read the fine print.