Legal & Risk Disclosure.

Arvo is a business-led protocol designed to connect on-chain participation with investments into operating businesses and real-world opportunities.

$ARVO is the native token of the Arvo ecosystem and is intended to provide access to functionality including staking, rewards and defined governance participation.

The $ARVO token does not represent shares or equity in Arvo, any company within the Arvo structure, any underlying business, property or other asset.

Holding $ARVO does not give the holder any direct ownership interest in the Arvo Treasury or any business, property or investment held directly or indirectly within the Arvo structure.

Information provided through the Arvo website, application, whitepaper, social channels or other communications is provided for general information only.

Nothing provided by Arvo constitutes financial, investment, legal, tax or other professional advice, nor should it be relied upon as a recommendation to acquire, hold or dispose of any digital asset.

You are responsible for carrying out your own assessment and obtaining independent professional advice where appropriate.

Arvo products and services are not offered or made available to persons located in, resident in, or ordinarily resident in jurisdictions designated by Arvo as Restricted Jurisdictions.

The current Restricted Jurisdictions are:

North Korea, Iran, Myanmar, Angola, Bolivia, Bosnia and Herzegovina, Bulgaria, Cameroon, Côte d’Ivoire, Democratic Republic of the Congo, Haiti, Iraq, Kenya, Kuwait, Laos, Lebanon, Monaco, Nepal, Papua New Guinea, South Sudan, Syria, Venezuela, Vietnam, British Virgin Islands, Yemen, United States of America, Canada, United Kingdom, Australia, China and Russia.

This list represents Arvo's minimum internal restriction framework and may be amended at any time in response to legal, regulatory, sanctions, compliance or operational requirements.

The inclusion of a jurisdiction does not necessarily mean that all virtual asset activity is prohibited within that jurisdiction. Similarly, the absence of a jurisdiction from this list does not mean that participation in $ARVO or any Arvo product or service is necessarily lawful in that jurisdiction.

Users are responsible for determining whether their participation is permitted under the laws and regulations applicable to them.

Arvo reserves the right to restrict or refuse access based on location, residency, sanctions exposure, compliance requirements or other relevant factors.

By accessing or using Arvo products or services, you represent that:

• you are at least 18 years old and legally capable of entering into binding agreements;
• you are not located in, resident in, or ordinarily resident in a Restricted Jurisdiction;
• your participation does not breach any law or regulation applicable to you;
• you are not subject to applicable sanctions or acting on behalf of a sanctioned person or entity; and
• any funds or digital assets used in connection with Arvo are derived from lawful sources.

Arvo may implement geographic restrictions, wallet screening, identity verification, source-of-funds checks or other compliance measures where considered necessary.

$ARVO is a digital asset and participation involves significant risk.

The market value of $ARVO may increase or decrease substantially and may be affected by market conditions, liquidity, trading activity, adoption, regulatory developments, technology risks and other factors outside Arvo's control.

There is no guarantee that $ARVO will maintain any particular value or that a liquid market for $ARVO will continue to exist.

You should not acquire or hold $ARVO unless you understand the risks associated with digital assets and are able to bear the potential loss of the full value involved.

Past performance, projections, targets or examples are not guarantees of future performance.

Arvo may provide staking functionality through fixed-term or other vault structures.

Any rewards displayed through the Arvo platform are subject to the applicable vault conditions and should not be interpreted as guaranteed returns.

Reward rates, reward assets, eligibility requirements and other conditions may vary between vaults and may change over time.

Participation in staking may involve lock-up periods during which deposited assets cannot ordinarily be withdrawn. Specific terms applicable to a vault should be reviewed before participation.

Arvo's model involves deploying capital into operating businesses, acquisitions and other opportunities.

Business and investment activity carries risk. Businesses may underperform, investments may decline in value, transactions may not complete and expected returns may not materialise.

References to operating profits contributing to the Arvo Treasury describe the intended economic model and should not be interpreted as a guarantee of Treasury growth or $ARVO token performance.

$ARVO holders do not have a direct entitlement to the revenues, profits or assets of businesses within the Arvo structure unless expressly provided under the terms of a specific product.

Arvo may introduce stablecoin-only vaults associated with specific business or investment opportunities.

Stablecoin vaults may operate under separate eligibility requirements, terms, risk disclosures, participation periods and return or redemption conditions.

The availability of a stablecoin vault within the Arvo application should not be interpreted as a guarantee of return or preservation of capital.

Users must review the specific terms and disclosures applicable to each vault before participating.

Arvo uses blockchain technology and smart contracts. Participation may therefore involve technical and operational risks.

These risks may include smart-contract vulnerabilities, network disruption, blockchain congestion, wallet compromise, loss of private keys, third-party infrastructure failure and other technical events.

Blockchain transactions may be irreversible.

While Arvo may implement security reviews and other safeguards, no blockchain system or smart contract can be guaranteed to be completely free from vulnerabilities or failure.

Arvo may interact with third-party blockchain networks, wallets, exchanges, liquidity providers, technology providers and other services.

These services operate independently of Arvo and may be subject to their own terms, risks and availability.

Arvo does not control third-party services and cannot guarantee their continued availability, security or performance.

Arvo may apply know-your-customer, anti-money-laundering, sanctions, source-of-funds, wallet-screening and other compliance procedures where required or considered appropriate.

Arvo reserves the right to refuse, restrict, suspend or terminate participation where necessary to comply with applicable legal or compliance requirements or where activity presents an unacceptable risk.

$ARVO may enable participation in defined protocol governance matters.

Governance rights do not provide $ARVO holders with ownership or management rights over Arvo or its underlying operating businesses.

Core business, investment and operational decisions remain subject to the applicable corporate and management structures.

The Arvo website, whitepaper, roadmap and other materials may contain statements relating to future plans, products, acquisitions, Treasury activity, staking, rewards, token utility or other anticipated developments.

These statements reflect current intentions and expectations only. Actual developments may differ, and Arvo does not guarantee that any proposed feature, transaction, product, target or timeline will be completed as described.

Arvo may update this Legal & Risk Disclosure as the protocol develops or in response to legal, regulatory, technical or operational requirements.

The latest version published on the Arvo website will apply.

Questions relating to this Legal & Risk Disclosure or Arvo's products and services can be submitted through the Arvo contact page.

General enquiries can also be sent to team@arvoprotocol.com.

Arvo · Registered entity 3-102-066975