Terms of Service

1. Agreement to These Terms

These Terms of Service (the "Terms") are a binding agreement between you ("you", "User") and INNOBLOCK LABS, LLC, a Wyoming limited liability company ("Company", "we", "us"). They govern your access to and use of the JUBAKO website, application, and any other interface we operate (together, the "Interface"), and your interaction, through the Interface or otherwise, with the JUBAKO smart-contract system deployed on the Robinhood Chain (the "Protocol").

By accessing or using the Interface or the Protocol, you agree to these Terms. If you do not agree, do not access or use the Interface or the Protocol. Your continued use following any change to these Terms constitutes acceptance of the change.

The Interface is one means of accessing the Protocol; it is not the Protocol. The Protocol is autonomous, permissionless smart-contract code. You may be able to interact with the Protocol without the Interface, and third parties may build their own interfaces to it. These Terms govern your use of the Interface and your decision to interact with the Protocol; they do not, and cannot, alter the behavior of on-chain code.

2. Eligibility

You represent and warrant that you:

• are at least 18 years old and have full legal capacity to enter into these Terms;
• are not a resident, citizen, national, or agent of, and are not located in or accessing the Interface from, any Prohibited Jurisdiction — meaning Cuba, Iran, North Korea (the Democratic People's Republic of Korea), Syria, the Crimea, Donetsk, Luhansk, Kherson, and Zaporizhzhia regions of Ukraine, and any other country, territory, or region subject to comprehensive U.S. (OFAC), U.N., E.U., or U.K. sanctions;
• are not a Sanctioned Person, are not owned or controlled by a Sanctioned Person, and are not acting on behalf of one ("Sanctioned Person" means any person listed on, or owned or controlled by a person listed on, any sanctions list maintained by the U.S. Office of Foreign Assets Control (OFAC), the U.N., the E.U., the U.K., or any comparable authority);
• will not use a VPN, proxy, or any other technique to circumvent the restrictions in these Terms; and
• will use the Interface and Protocol in compliance with all laws applicable to you.

We may restrict or deny access to the Interface to any person or from any jurisdiction at any time, in our sole discretion. Access restrictions on the Interface do not restrict the Protocol, which is autonomous.

3. Nature of JUBAKO — What You Are and Are Not Getting

3.1 What the Protocol does. The Protocol is a set of smart contracts that (a) collect transaction fees generated by trading of the JUBAKO token on third-party decentralized exchanges and liquidity venues, and (b) periodically use those collected fees to purchase a rotating basket of tokenized stocks on the Robinhood Chain, which the Protocol holds. A separate, optional staking layer (the "Ager") lets holders who stake JUBAKO ("Jōren") share, on a periodic basis, in a reserve funded by a portion of those fees. All of this is executed by autonomous code.

3.2 The JUBAKO token is not a security, share, or ownership interest. The JUBAKO token does not represent, and is not intended to represent: equity, shares, or any ownership interest in the Company or in any company; a debt, deposit, or other obligation of the Company; a claim on, or any right to, the tokenized stocks or any other assets held by the Protocol; a right to dividends, distributions, interest, or profit; voting or governance rights; or any right to demand redemption for cash, stock, or any other asset. You are not entering into an investment contract, partnership, joint venture, or agency relationship with the Company by acquiring, holding, or staking JUBAKO.

3.3 No claim on the stock tokens; no redemption. You have no contractual right to, or claim on, any stock token or other asset the Protocol holds, and no ability to demand, withdraw, or redeem any such asset from the Company. The Protocol's autonomous code may distribute stock tokens to eligible holders, but any such distribution is not a promise, is variable, may decrease, pause, stop, or be zero, and creates no entitlement enforceable against the Company. Stock tokens are issued and administered by third parties the Company does not control, and you are solely responsible for your own eligibility to receive or hold them under the laws applicable to you. The value of JUBAKO, if any, is determined solely by the open market, and may bear no relationship to the value of assets held by the Protocol.

3.4 The tokenized stocks are third-party assets. Tokenized stocks are issued, custodied, and administered by third parties over whom the Company has no control. They carry their own risks — including issuer, custody, smart-contract, market, liquidity, "peg" / tracking, trading-halt, and corporate-action risk — for which the Company is not responsible. A tokenized stock may trade at a price materially different from the reference equity, may become illiquid, may be paused or delisted, or may fail. The Company does not guarantee the availability, accuracy, tradeability, or continued existence of any tokenized stock.

3.5 The Ager / staking is not a yield product. Any reserve served to Jōren is variable and not guaranteed. It is a share of a fluctuating, fee-funded reserve, not interest, a fixed return, or an "APY," and may be zero. Eligibility follows the rules encoded in the staking contract (including seating windows and forfeiture-by-snapshot when you unstake). Staking is non-custodial: your ability to withdraw your staked principal is defined by, and limited to, the behavior of the smart contract. We do not custody, control, or guarantee staked funds.

3.6 Non-custodial. At no point does the Company take custody of your tokens, your private keys, or your wallet. You alone are responsible for your wallet, your keys, and every transaction you sign. Transactions on the Robinhood Chain are irreversible. We cannot reverse, cancel, or recover a transaction, and we cannot recover lost keys.

3.7 No advice. Nothing on the Interface or in these Terms is investment, financial, legal, accounting, or tax advice, or a recommendation to buy, sell, hold, or stake any asset. Content is informational only. You are solely responsible for your own decisions and should consult your own professional advisers.

3.8 Who may hold the token vs. who may receive rewards. The JUBAKO token itself may be acquired, held, and transferred by anyone permitted to use the Interface under Section 2, including U.S. persons. The rewards, however — the periodic tokenized-stock distributions from the counter, and any rewards from the Ager staking layer — are not available to U.S. persons or to persons located in a restricted jurisdiction. To become eligible to receive rewards, a holder must complete a one-time eligibility confirmation ("taking a seat") attesting that they are not a U.S. person and are not located in a restricted jurisdiction; staking in the Ager is likewise unavailable from those locations. A wallet that has not completed this confirmation does not receive, and does not accrue, any rewards, and the rewards it would otherwise have received are distributed among eligible holders. You are solely responsible for the accuracy of your confirmation and for your own eligibility under the laws applicable to you.

4. Assumption of Risk

You acknowledge and accept that using the Interface and Protocol involves significant risk, including the following, and you assume all such risk:

• Total loss. The JUBAKO token and any tokenized stock may lose all value. You may lose everything you commit. Only commit what you can afford to lose entirely.
• Volatility and market risk. Digital-asset and tokenized-equity prices are highly volatile.
• Smart-contract risk. The Protocol is experimental software. Despite testing and any audits, it may contain bugs, vulnerabilities, or economic flaws that could result in loss, freezing, or theft of funds. An audit is not a guarantee of safety.
• No backing / no floor. As stated in Section 3, JUBAKO is not a claim on the Protocol's assets; there is no redemption and no price floor.
• Fee-mechanism risk. The fee collection, the buying of tokenized stocks, and the Ager reserve depend on trading volume, venue behavior, third-party contracts, and keeper operations, any of which may reduce, interrupt, or stop the mechanism. Nothing about the mechanism is guaranteed to continue.
• Third-party / venue risk. The Protocol relies on third-party decentralized exchanges, liquidity venues, routers, price oracles, bridges, custodians, and tokenized-stock issuers. Any of them may fail, change, pause, deny service, or act adversely.
• Network risk. The Robinhood Chain may experience congestion, reorganization, downtime, forks, or changes to its rules or fees; RPC and node providers may return stale or incorrect data.
• Regulatory risk. The legal and regulatory treatment of digital assets and tokenized securities is uncertain and evolving. Laws may change, and regulators may take action that restricts, penalizes, or prohibits the Protocol, the Interface, tokenized stocks, or your ability to use any of them. Access may be withdrawn from you or from your jurisdiction at any time.
• Tax risk. You are solely responsible for determining and paying any taxes that apply to your activity. We do not withhold or report on your behalf.
• Key-management and security risk. Loss or compromise of your wallet or keys will result in loss of your assets. Phishing, malware, and fraudulent copies of the Interface exist; verify you are using the official Interface.
• Irreversibility. On-chain transactions cannot be undone.

5. Prohibited Conduct

You agree not to, and not to attempt to:

• use the Interface or Protocol for any unlawful purpose, or in violation of any law applicable to you, including securities, commodities, sanctions, anti-money-laundering, and tax laws;
• use the Interface or Protocol if you are a Sanctioned Person or located in a Prohibited Jurisdiction;
• engage in market manipulation (including spoofing, wash trading, or pump-and-dump activity) in JUBAKO or any tokenized stock;
• interfere with, disrupt, exploit, or gain unauthorized access to the Interface, the Protocol, or their infrastructure, including via exploit, malware, or denial-of-service;
• impersonate the Company or misrepresent your affiliation, or deploy interfaces or materials that impersonate JUBAKO or the Company; or
• use the Interface or Protocol on behalf of anyone who is barred under these Terms.

6. Intellectual Property

The Interface, including its name, logos, "JUBAKO", "Jōren", "The Ager", copy, design, and non-open-source code, is owned by the Company or its licensors and is protected by law. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Interface for its intended purpose. You may not copy, modify, distribute, or create derivative works of our proprietary materials without permission. Smart-contract code released under an open-source license is governed by that license. Nothing here grants rights in third-party marks (including those of any tokenized-stock issuer or reference company), and JUBAKO is not endorsed by or affiliated with any such company.

7. Third-Party Services and Links

The Interface may reference or link to third-party services (wallets, exchanges, venues, oracles, custodians, explorers, and tokenized-stock issuers). We do not control and are not responsible for them, their availability, or their terms, and their inclusion is not an endorsement. Your use of a third-party service is governed by that third party's terms and is at your own risk.

8. Forward-Looking Statements; No Reliance

The Interface and related materials may contain forward-looking or aspirational statements about plans, mechanisms, features (including the buying of tokenized stocks and the Ager), or roadmap. These are not promises or guarantees. Actual outcomes may differ materially, plans may change or be abandoned, and features may never ship or may be removed. You should not rely on any such statement, and you accept the risk that expected functionality may not exist or may not perform as described.

9. Disclaimers

10. Limitation of Liability

Some jurisdictions do not allow certain limitations; to that extent they may not apply to you.

11. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its members, managers, officers, employees, contractors, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Interface or Protocol; (b) your violation of these Terms; (c) your violation of any law or the rights of any third party; or (d) your tax obligations. We may assume the exclusive defense of any matter subject to indemnification, and you agree to cooperate.

12. Dispute Resolution; Arbitration; Class-Action Waiver

12.1 Informal resolution first. Before starting any formal proceeding, you agree to contact us in writing at the mailing address in Section 16 and attempt in good faith to resolve the dispute informally for at least 30 days.

12.2 Binding arbitration. Except as provided below, any dispute arising out of or relating to these Terms, the Interface, or the Protocol will be resolved by final and binding arbitration administered in Cheyenne, Wyoming by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small-claims court.

12.3 Class-action and jury-trial waiver. To the maximum extent permitted by law, disputes will be brought only in an individual capacity and not as a plaintiff or class member in any class, collective, or representative proceeding, and each party waives any right to a jury trial.

12.4 Opt-out. You may opt out of this arbitration agreement by notifying us in writing at the mailing address in Section 16 within 30 days of first accepting these Terms.

13. Governing Law

These Terms and any dispute are governed by the laws of the State of Wyoming, and, where applicable, the U.S. Federal Arbitration Act, without regard to conflict-of-laws rules. Subject to Section 12, the state and federal courts located in Cheyenne, Wyoming have exclusive jurisdiction over any matter not subject to arbitration, and you consent to their jurisdiction and venue.

14. Changes to the Terms, Interface, and Protocol

We may modify these Terms at any time by posting the updated version with a new Effective Date. Material changes take effect when posted (or as stated in the notice); your continued use constitutes acceptance. We may also modify, suspend, or discontinue the Interface, in whole or in part, at any time. The Protocol is autonomous code and may itself be updated, paused (where the code permits), migrated, or deprecated in accordance with its own logic and any admin functions disclosed in its documentation.

15. General

• Entire agreement. These Terms (with any policy referenced herein, including any Privacy Policy and Risk Disclosure) are the entire agreement between you and the Company regarding the Interface and Protocol.
• Severability. If any provision is held unenforceable, the rest remains in effect and the unenforceable provision is limited to the minimum extent necessary.
• No waiver. Our failure to enforce any right is not a waiver of it.
• Assignment. You may not assign these Terms; we may assign them freely.
• No third-party beneficiaries, except the indemnified parties named in Section 11.
• Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including chain outages, third-party failures, or governmental action.
• Headings are for convenience only.

16. Contact

Questions or notices under these Terms may be sent by mail to: