1. GENERAL PROVISIONS

1.1 Purpose and Parties

These Terms and Conditions (the “Terms”) govern the access to and use of the Sbarter mobile application (the “Sbarter App”) and of the underlying Sbarter Protocol — a decentralised set of smart contracts, oracles, and related digital interfaces deployed on the Solana blockchain (together with the Sbarter App and any related website, the “Sbarter Protocol”) — made available by Sbarter Limited, a company incorporated in Malta under company number C114163, and a fully owned subsidiary of Association Sbarter, with registered office at Quantum House, 75, Abate Rigord Street, Ta’ Xbiex XBX 1120, Malta (“Sbarter”, “We”, “Us”).

These Terms form a legally binding agreement between Sbarter and any natural person (“User”, “You”) who accesses, registers, or uses the Sbarter Protocol. By using the Sbarter Protocol, You acknowledge that You understand the nature of the Services, accept these Terms without reservation, and agree to comply with all eligibility, technical, and legal requirements set out herein.

1.2 Services Provided

The Sbarter Protocol provides technological tools that allow Users to:

• create or participate in skill-based events with stakes attached, in the form of Challenges and Tournaments (together, “Events”);
• lock Entry Amounts in SBT Tokens into Smart Contracts;
• have Event outcomes executed automatically through blockchain-based Smart Contracts, with results determined by Oracle data, by matching User submissions, or by the Community Dispute Resolution mechanism described in Section 10.3;
• use a non-custodial cryptocurrency wallet (the “Sbarter Wallet”) for SBT transactions;
• access community features such as Integrity Scores, leaderboards, follow/following, game stats and chat; and
• browse lists of Third-Party Video Games eligible for Events.

1.3 Nature of Sbarter

Sbarter acts solely as a neutral technical facilitator. Sbarter does not host, operate, modify or influence any Third-Party Video Game; does not determine or verify the outcome of any Event; does not adjudicate disputes between Users; does not hold, store, or safeguard digital assets; does not convert fiat currency into tokens or vice versa; does not provide gambling services, games of chance, or betting activities; and does not provide investment, financial, or regulated services.

Nothing in these Terms creates a partnership, joint venture, agency, employment relationship or fiduciary duty between Sbarter and any User. Users act entirely on their own behalf. Certain intellectual-property elements used in the Protocol may be licensed to Sbarter Limited by Association Sbarter (Switzerland) or other rights holders; such licences do not create any contractual relationship between Users and those licensors.

1.4 App Store Distribution

Use of the Sbarter App is also subject to the terms of the digital distribution platform through which it is made available (e.g., Apple App Store, Google Play Store). In case of conflict between these Terms and applicable App Store rules, the App Store rules prevail for matters relating to distribution, consumer rights, and in-app payments. Additional App Store-specific provisions are set out in Section 21.

1.5 Updates

Sbarter may update these Terms from time to time. The process and legal effects of such updates are described in Section 20.

1.6 Contact

For inquiries related to these Terms or the Sbarter Protocol, Sbarter can be contacted at support@sbarter.com.

2. ACCEPTANCE

2.1 Formation of the Agreement

By accessing, registering, or using any component of the Sbarter Protocol, You confirm that You have read these Terms in full, understand their legal consequences, agree to be bound by them without reservation, and consent to the use of blockchain-based Smart Contracts to process all Events and Entry Amounts. During onboarding, You will be required to expressly accept these Terms (for example, by selecting a checkbox or pressing an “Accept” button); such confirmation is a mandatory prerequisite to accessing the Sbarter Protocol. If You do not agree to these Terms, You must immediately discontinue use of the Sbarter Protocol and uninstall the Sbarter App.

2.2 Continuing Acceptance

Your continued access to or use of the Sbarter Protocol constitutes ongoing acceptance of these Terms, including any amendments made in accordance with Section 20. If You do not agree with an updated version, Your sole remedy is to cease use of the Protocol and request closure of Your User Account.

2.3 Smart-Contract Execution and Finality

By using the Sbarter Protocol, You acknowledge and agree that:

• Events are executed autonomously by Smart Contracts deployed on the Solana blockchain;
• Entry Amounts are locked and released exclusively according to Smart-Contract logic;
• Smart-Contract operations are irreversible and Sbarter cannot modify, cancel, reverse, or override any blockchain transaction;
• Protocol Transaction Fees are fixed, automatically applied, and non-refundable;
• result validation depends exclusively on Oracle data (where available), on matching User submissions, or on the outcome of the Community Dispute Resolution mechanism embedded in the Protocol;
• Sbarter does not, at any stage, participate in, supervise, or influence Event outcomes or dispute resolution;
• where You grant a Session Authorization in accordance with Section 9.3, You authorize the execution of multiple pre-defined related operations within that session without further individual signature prompts.

By locking an Entry Amount into a Smart Contract, You expressly request the immediate performance of the contract and waive Your right of withdrawal from the moment the Smart Contract is executed, as the service has been fully performed.

2.4 User Representations and Warranties

By accepting these Terms, You represent and warrant, on an ongoing basis throughout Your use of the Sbarter Protocol, that:

• You are at least 18 years old, or the higher age of majority required in Your jurisdiction, and have full legal capacity to enter into these Terms;
• all information provided during registration and KYC is true, accurate, current, and complete;
• You meet all Eligibility Requirements set out in Section 7 and will not circumvent geographic restrictions using VPNs, proxies, or similar tools;
• You understand that Sbarter does not store or recover Private Keys;
• You understand that Events take place entirely within Third-Party Video Games and that You will comply with their rules;
• You will not engage in cheating, collusion, manipulation, or other conduct prohibited under the Fair-Play Policy or Section 15;
• Your use of the Sbarter Protocol, holding of SBT Tokens, and participation in Events comply with all laws and regulations applicable to You; and
• You have read and understood the Risk Warning in Section 4 and the limitations of liability in Section 18.

2.5 Priority and Mandatory Law

In case of conflict:

• these Terms prevail over any other information published within the Sbarter App or in connection with the Protocol;
• App Store rules prevail for matters related to distribution, consumer rights, and in-app behaviour;
• applicable mandatory consumer-protection laws of Your jurisdiction prevail in case of inconsistency with these Terms.

3. DEFINITIONS

The following terms, when used with capital initials in these Terms, shall have the meanings set out below. Definitions apply equally to singular and plural uses.

“Accessible Event”: an Event that the User is permitted to join based on geographic location, classification of the relevant Third-Party Video Game, Eligibility Requirements, the User’s Integrity Score, and any restrictions imposed by the Event creator.

“Accessible Third-Party Video Game”: a Third-Party Video Game which, based on the User’s jurisdiction and applicable legal requirements, is approved by Sbarter for the creation of and participation in skill-based Events. The game itself remains entirely external to Sbarter.

“App Store”: any digital distribution platform through which the Sbarter App is made available, including Apple App Store, Google Play Store, or other equivalent platforms.

“Blockchain”: a decentralised digital ledger (e.g., Solana) used to record and verify transactions, including the deployment and execution of Smart Contracts used within the Sbarter Protocol.

“Challenge”: a skill-based Event between two or more Users created through the Sbarter App, defining the Third-Party Video Game, game mode, winning condition, required Entry Amount of SBT Tokens, any minimum Integrity Score, and the timeframe for participation and result submission. A Challenge is executed exclusively via a Smart Contract.

“Community Dispute Resolution”: an automated, decentralised dispute resolution mechanism embedded in the Sbarter Protocol pursuant to which an Event outcome that cannot be determined automatically by Oracle data or by matching User submissions is referred to a panel of independent Users, selected algorithmically by the Protocol, who review the evidence submitted by the participants and decide the outcome. Decisions are executed automatically by the Smart Contract and are final and binding on Users. Sbarter does not participate in, supervise, or influence the Community Dispute Resolution process. The detailed rules of the Community Dispute Resolution mechanism, including resolver selection, evidence submission, voting weights, applicable timeframes and any related incentives or penalties, are set out in the Fair-Play Policy and may be updated in accordance with Section 20.

“Crypto-Asset”: a digital asset recorded on a Blockchain, which includes SBT Tokens.

“Eligibility Requirements”: the mandatory conditions a User must satisfy to access the Services, including age, jurisdictional restrictions, KYC completion, technical requirements, and compliance with these Terms and the Fair-Play Policy. Eligibility Requirements may vary by region and type of Third-Party Video Game.

“Entry Amount”: the amount of SBT Tokens locked by each Participant into the Smart Contract governing an Event. Entry Amounts are released exclusively according to Smart-Contract rules and constitute a peer-to-peer transfer locked in escrow, not a fee paid to Sbarter.

“Event”: a collective reference to Challenges and Tournaments. Events are skill-based and executed entirely through Smart Contracts, with outcomes determined by User performance inside Third-Party Video Games. Any User may create an Event (acting as Event creator) or participate in an Event created by another User; no distinct category of User exists for the creation of Events.

“Fair-Play Policy”: the binding rules governing acceptable behaviour, integrity, and fair conduct within Events, including the detailed rules applicable to the Community Dispute Resolution mechanism. The Fair-Play Policy forms an integral part of these Terms.

“Force Majeure”: any event or circumstance beyond Sbarter’s reasonable control, including natural disasters, war, terrorism, civil unrest, regulatory or government action, App Store removals, blockchain outages, Oracle unavailability, major cyber-attacks, and large-scale power or Internet failures.

“Integrity Score”: a dynamic score automatically assigned and updated by the Sbarter Protocol, reflecting a User’s historical reliability in Events, including in connection with the Community Dispute Resolution mechanism. The Integrity Score is automatically generated and governed by algorithmic rules, is used by Event creators to filter participants, may be reduced when the User submits dishonest results, participates in Non-Validated Events, votes in bad faith as a community resolver, or otherwise breaches the Fair-Play Policy, and is not subject to manual adjustment or appeal.

“KYC Process / KYC Services Provider”: the identity-verification process conducted directly between the User’s Wallet and an independent, third-party provider. Sbarter does not receive or store identity documents or personal information; verification is confirmed solely by the presence of a cryptographic credential issued to the User’s Wallet.

“Non-Validated Event”: an Event that cannot be resolved by Oracle data, by matching User submissions, or by the Community Dispute Resolution mechanism (for example, due to insufficient evidence, lack of resolver participation, or expiry of the applicable timeframe), and is therefore automatically voided by the Smart Contract. In a Non-Validated Event no winner is declared, Entry Amounts are returned to all Participants, and the Integrity Score of one or more Users may be reduced. Sbarter does not intervene or review such outcomes.

“Oracle”: a technical integration, provided by a Video Game Publisher or authorised third party, enabling the Smart Contract to receive verified gameplay data. Where Oracle data is available and unambiguous, it exclusively determines the result of an Event.

“Personal Data”: any information relating to an identified or identifiable natural person within the meaning of Article 4(1) GDPR.

“Private Keys”: the cryptographic keys that authorise transactions from the non-custodial Sbarter Wallet. Private Keys are exclusively controlled by the User. Sbarter never generates, stores, accesses, or recovers Private Keys.

“Prohibited Countries”: countries where access to the Sbarter Protocol or participation in Events is restricted by local regulations, international sanctions, or Sbarter’s internal compliance policies. The list may be updated periodically.

“Protocol Transaction Fee”: the fixed, non-variable interaction cost required by the Smart Contract to execute Event logic, including any network execution cost intrinsic to Smart-Contract operation. Protocol Transaction Fees are automatically deducted and non-refundable. They are distinct from, and may be charged in addition to, the native blockchain gas fee.

“Sbarter Wallet”: a non-custodial wallet generated at User onboarding enabling Users to hold, send, receive, and lock SBT Tokens. The User retains exclusive control of the Private Keys.

“SBT Token”: a blockchain-based utility token used within the Sbarter Protocol exclusively as an Entry Amount in Events, for transfers between Users, and for future ecosystem features that may be introduced. SBT is not fiat currency, not e-money, not a financial instrument, not redeemable for cash, and not purchasable in-app. Sbarter does not issue, sell or redeem SBT Tokens; details on the token are set out in the SBT Whitepaper available at https://sbarter.com.

“Services”: all tools, features, and functionalities made available through the Sbarter Protocol, including creation and participation in Events, Smart-Contract interactions, the Community Dispute Resolution mechanism, use of the Sbarter Wallet, Protocol Transaction Fee processing, Integrity Score mechanisms, and social and communication features.

“Session Authorization”: a single, scoped, time-limited authorization granted by the User through the Sbarter Wallet that enables a defined sequence of related on-chain operations to be executed within one session without requesting an individual signature for each operation. Each Session Authorization is presented to the User in advance and clearly specifies the operations covered (for example, the receipt of USDC via a fiat on-ramp followed by the automatic swap of such USDC into SBT Tokens), the maximum duration, and, where applicable, the maximum amount or number of operations covered. Session Authorizations do not transfer custody of the User’s Private Keys or assets to Sbarter, are revocable by the User at any time as to future operations, and do not affect operations already executed.

“Smart Contract”: a self-executing piece of code deployed on the Blockchain, used to record Event parameters, lock Entry Amounts, validate results (via Oracle data, matching User submissions, or the Community Dispute Resolution mechanism), distribute Entry Amounts, and charge Protocol Transaction Fees. Smart Contracts operate independently of Sbarter and cannot be manually altered once deployed.

“Third-Party Provider”: any external platform not controlled by Sbarter, including cryptocurrency exchanges, wallet applications, KYC Services Providers, fiat on-ramp providers, and Third-Party Video Game operators. Sbarter is not responsible for their performance.

“Third-Party Video Game”: any video game developed, owned, or operated by an independent Video Game Publisher (“VGP”), in which Events occur. Third-Party Video Games remain fully external to Sbarter.

“Tournament”: a multi-stage or multi-round Event involving more than two Users or multiple individual Challenges, executed exclusively through Smart Contracts.

“User”: any natural person who accesses the Sbarter Protocol in any capacity, whether as a creator of an Event, a participant in an Event, or as a community resolver under the Community Dispute Resolution mechanism. All Users are subject to these Terms on the same conditions, regardless of the activity they perform within the Protocol.

“User Account”: the personal account registered by the User, granting access to the Services, including the Sbarter Wallet and Integrity Score.

“User-Generated Content (UGC)”: any data or content submitted by Users through the Sbarter App or the Sbarter Protocol, including result submissions, profile information, messages, media, and gameplay screenshots or recordings used in connection with self-validation or the Community Dispute Resolution mechanism.

“Video Game Publisher (VGP)”: the legal entity that owns and/or operates a Third-Party Video Game. Sbarter is independent of all VGPs unless expressly stated otherwise.

4. RISK WARNING

Use of the Sbarter Protocol, the Sbarter Wallet, Smart Contracts and any blockchain-based technology carries inherent risks. By accepting these Terms, You acknowledge and accept these risks, which include but are not limited to:

• General risks: user error, connectivity issues, smart-contract vulnerabilities, token volatility, limited liquidity, and failures of third-party providers.
• Wallet and key management: the Sbarter Wallet is non-custodial. Loss or compromise of Your Private Keys or Recovery Phrase will result in irreversible loss of access to SBT Tokens and any other assets held in the Wallet.
• Events and gameplay: Events may be voided automatically if results are not submitted correctly, do not match, or if Oracle data is unavailable, and if the Community Dispute Resolution mechanism cannot reach an outcome. Sbarter does not resolve gameplay disputes and has no control over Third-Party Video Games.
• Community Dispute Resolution: outcomes are decided by independent Users in an automated, decentralised process. Decisions are final and binding and cannot be appealed to Sbarter. Sbarter does not guarantee the correctness, speed or completeness of any such decision.
• Session Authorizations: where You grant a Session Authorization, multiple related on-chain operations may be executed within the scope and duration of that authorization without further individual signature prompts. You are responsible for carefully reviewing the operations, duration and any value or volume limits set out in each Session Authorization before granting it. All transactions executed under a Session Authorization remain final and irreversible, and revocation of a Session Authorization does not affect operations already executed.
• Blockchain and network: all Smart-Contract transactions are final, irreversible, and dependent on external blockchain networks such as Solana. Network congestion, failures, or vulnerabilities may delay or prevent execution.
• Token and market: SBT Tokens may be subject to significant price volatility, limited liquidity, and regulatory changes. Sbarter does not guarantee the value, availability, or tradability of SBT Tokens and does not provide any financial or investment service.

These risks are not exhaustive. You are solely responsible for assessing whether the Services are appropriate in light of Your personal circumstances, technical ability, and risk tolerance.

5. LIMITED LICENCE

5.1 Grant of Licence

Subject to continuous compliance with these Terms, Sbarter grants the User a personal, limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to download, install, and use the Sbarter App and to access and use the Sbarter Protocol solely for the purposes expressly permitted under these Terms, namely: creating and participating in skill-based Events, interacting with Smart Contracts using SBT Tokens, using the Sbarter Wallet, taking part in the Community Dispute Resolution mechanism, and accessing available social features.

5.2 Intellectual Property

This licence does not transfer to the User any ownership rights in the Sbarter Protocol or App, the Sbarter Wallet code or backend infrastructure, the Smart Contracts authored by the Sbarter ecosystem, the Sbarter brand, logos, trademarks or trade dress, any documentation or proprietary systems, or any content or materials owned by Sbarter or third parties. All rights not expressly granted remain the exclusive property of Sbarter or its licensors. All implied licences are expressly disclaimed.

5.3 SBT Token Limitations

This licence governs only the use of the Sbarter App and the Sbarter Protocol. It does not create any right to acquire SBT Tokens through the App, to redeem SBT Tokens for fiat or other currency, or to receive any guarantee regarding the availability, value, liquidity, or performance of SBT Tokens. Restrictions on Token use are further described in Sections 8 and 12.

6. USER ACCOUNT

6.1 Account Creation

To use any part of the Sbarter Protocol, the User must create a User Account by following the onboarding process in the Sbarter App. This requires providing a valid email address or phone number for authentication, completing the tokenised KYC Process with the designated KYC Services Provider, accepting these Terms, generating a non-custodial Sbarter Wallet, and enabling location-based features necessary to enforce geographic restrictions. The User Account is active only after the User’s Wallet holds the required verification credential. Sbarter collects only the User’s login credentials (email or phone number) and does not collect, store or process personal identity documents or other KYC data.

6.2 Single Account and Accuracy

Each natural person may create only one User Account. Creating multiple accounts, using false or misleading information, using disposable identifiers, sharing accounts, or accessing accounts of others is strictly prohibited. The User warrants that all information provided is accurate, truthful, current and complete and must promptly update it in case of changes.

6.3 Authentication and Wallet Security

The User is solely responsible for maintaining the confidentiality and security of login credentials, device access, and Private Keys associated with the Sbarter Wallet. Sbarter does not have access to, and cannot recover or reset, Private Keys, recovery phrases, or any cryptographic material used for wallet access. Loss of Private Keys results in permanent loss of access to SBT Tokens and any other assets associated with the Wallet.

6.4 Anti-Fraud and Integrity Measures

Sbarter may deploy automated and manual systems to detect multi-accounting, collusion, coordinated manipulation of Events or of the Community Dispute Resolution mechanism, location spoofing, use of bots or automation, repeated Non-Validated Events indicating misconduct, bad-faith resolver voting, and suspicious transfers of SBT Tokens. Users must cooperate with reasonable verification requests; failure to cooperate may result in suspension or termination.

6.5 Identity Verification Updates

Sbarter may require Users to complete identity reconfirmation or additional verification when laws or regulations require, when suspicious activity is detected, when the User moves to another jurisdiction, or when there are changes in Prohibited Countries lists. Failure to complete additional verification may result in restricted access.

6.6 Prohibited Persons

Persons under the age of 18 (or higher local legal age), individuals located in Prohibited Countries, individuals previously banned by Sbarter, individuals failing the KYC Process, and individuals using VPNs or proxies to obfuscate their location are prohibited from creating or using a User Account.

6.7 Account Recovery

Because the Sbarter Wallet is non-custodial, Sbarter cannot recover Private Keys, retrieve assets, or reassign or reset a Wallet. Account recovery is limited to re-establishing access to Sbarter App features and does not extend to assets held in the Wallet.

7. ELIGIBILITY REQUIREMENTS

7.1 Age and Capacity

You must be at least 18 years old, or the higher age of majority required in Your country of residence, and have full legal capacity. Users must also meet the minimum age rating required by the applicable App Store, which may be higher than local legal rules.

7.2 Residency and Geographic Restrictions

You may not access or use the Sbarter Protocol if You reside in, or are physically located in, a Prohibited Country, or if You use VPNs, proxies, or other tools to conceal or falsify Your location. Sbarter may use geolocation and other checks to enforce geographic restrictions, in accordance with applicable exemptions under the EU Geo-blocking Regulation for digital services, regulatory compliance and restricted-service categories. Users in the United States are solely responsible for ensuring that participation in skill-based Events is lawful in their state of residence. Sbarter may restrict or disable access to Events in particular EU Member States where regulatory authorities consider peer-to-peer skill-based contests with Entry Amounts to constitute gambling or a regulated activity.

7.3 Zero-Knowledge KYC

Access to the Sbarter Protocol is subject to successful completion of the KYC Process. This process is conducted directly between Your Wallet and the independent KYC Services Provider. Sbarter does not collect, access, view, or retain Your identity documents or personal information at any time. Your eligibility is determined exclusively by the presence of a valid, anonymised identity credential held in Your Wallet. If You lose access to Your Wallet, You lose the associated verification status.

7.4 Compliance With Laws and Game Rules

You are solely responsible for ensuring that Your use of the Sbarter Protocol, the holding and use of SBT Tokens, and Your participation in Events comply with all laws and regulations applicable to You, as well as with the terms of any relevant Third-Party Video Game. Sbarter does not provide legal or tax advice.

7.5 Continuous Compliance

Eligibility Requirements apply on an ongoing basis. If You cease to meet them at any time, You must stop using the Sbarter Protocol. Sbarter may suspend or terminate Your User Account, or restrict access to Events, where eligibility is not satisfied or cannot be verified.

8. SBT TOKEN

8.1 Nature and Purpose

SBT is a blockchain-based utility token used solely within the Sbarter Protocol for locking in skill-based Events, paying Protocol Transaction Fees, and interacting with Smart Contracts. SBT Tokens do not represent equity, ownership, voting rights, profit-sharing, or any financial instrument, deposit or e-money, and are not intended for investment purposes. Further details on the SBT Token are set out in the SBT Whitepaper.

8.2 Acquisition and Redemption

SBT Tokens cannot be purchased, sold, or exchanged through the Sbarter App or the Sbarter Protocol. Sbarter does not sell, redeem, or buy back SBT Tokens and does not provide any mechanism to convert SBT Tokens into fiat currency or other assets. Any acquisition, exchange, or sale of SBT Tokens takes place exclusively through independent third-party services outside the Sbarter App and is governed solely by those providers’ terms.

8.3 Use Within the Protocol

Within the Sbarter Protocol, SBT Tokens may be used only to pay Entry Amounts in Events, pay Protocol Transaction Fees, and participate in other expressly supported in-Protocol functionalities. SBT Tokens are not used to unlock features, content or functionality of the Sbarter App itself; the App functions independently of token ownership. SBT Tokens cannot be used for gambling, games of chance, in-app purchases of fiat-denominated goods or services, or speculative trading within the Sbarter Protocol.

8.4 User Responsibility and Risks

You are fully responsible for managing Your SBT Tokens, verifying transaction details, and ensuring You hold sufficient SBT Tokens for Entry Amounts and fees. Sbarter cannot reverse transactions, compensate for losses, or guarantee any future value, liquidity, or availability of SBT Tokens.

9. SBARTER WALLET

9.1 Non-Custodial Wallet

The Sbarter Wallet is a non-custodial blockchain wallet generated when You create a User Account. It enables You to hold, transfer and lock SBT Tokens and interact with Smart Contracts. Sbarter never has access to, and does not store, Your Private Keys or Recovery Phrase. You are solely responsible for securely storing and backing up Your credentials and for protecting Your device against loss, theft, malware, and unauthorised access.

9.2 Transactions and Finality

All Wallet transactions, including Entry Amounts and transfers, are executed on the Blockchain and are irreversible once confirmed. Sbarter cannot reverse, modify, or cancel any transaction, even in case of user error.

9.3 Session Authorizations

To improve the User experience and reduce friction associated with multi-step on-chain operations, the Sbarter Wallet may offer the User the possibility to grant Session Authorizations. A Session Authorization is a single, scoped and time-limited authorization that enables a defined sequence of related operations to be executed within one session without an individual signature being requested for each operation.

Before any Session Authorization is granted, the Sbarter App or the Sbarter Wallet will present to the User, in a clear and reasonably accessible manner: (i) the operations covered by the Session Authorization; (ii) the maximum duration of the session; (iii) where applicable, the maximum amount or number of operations covered; and (iv) any associated fees, charges or third-party services involved. By granting a Session Authorization, the User expressly consents to the execution, within its scope, of each of the operations described, without further signature prompts.

Session Authorizations are used in particular, but not exclusively, to enable smooth multi-step flows such as the receipt of stablecoins (e.g., USDC) through a third-party fiat on-ramp followed by their automatic swap into SBT Tokens, or other combinations of preparatory and confirmatory on-chain steps necessary to participate in Events. Each operation executed under a Session Authorization is recorded on-chain in the same manner as any other Smart-Contract transaction and is final and irreversible.

The User may revoke a Session Authorization at any time through the controls made available in the Sbarter App or in the Sbarter Wallet. Revocation takes effect only with respect to operations not yet executed; operations already executed under the Session Authorization remain valid and cannot be reversed. Session Authorizations do not transfer custody of the User’s Private Keys or assets to Sbarter; the Sbarter Wallet remains at all times a non-custodial wallet as described in Section 9.1, and Sbarter does not gain signing authority, control over assets, or any ability to initiate operations outside the scope expressly authorized by the User.

The User is solely responsible for reviewing each Session Authorization before granting it and for promptly revoking any Session Authorization that no longer corresponds to their intended use. Sbarter is not liable for the consequences of operations executed within the scope of a Session Authorization validly granted by the User, including in respect of operations involving Third-Party Providers (such as fiat on-ramp services or token swap services) that are governed by the terms of those providers.

9.4 Restrictions and Prohibited Uses

Sbarter may restrict Wallet-related functionality on the Sbarter App where required by law, sanctions, or security reasons; such restrictions affect only the App and do not give Sbarter control over on-chain assets. You must not use the Sbarter Wallet or any Session Authorization for illegal activities, including money laundering, sanctions evasion, fraud, or to manipulate Smart Contracts, the Community Dispute Resolution mechanism or other Users, and You must not grant Session Authorizations for purposes other than those expressly described in the Sbarter App.

10. EVENTS (CHALLENGES AND TOURNAMENTS)

The Sbarter Protocol enables Users to create and participate in skill-based Events (Challenges and Tournaments) that take place entirely within Third-Party Video Games and are executed using Smart Contracts deployed on the Solana blockchain. Sbarter does not host or operate gameplay, determine winners or verify results, adjudicate disputes, or intervene in Smart-Contract execution.

10.1 Creation of Events

Any User who meets all Eligibility Requirements may create an Event through the Sbarter App. All Users are equal under these Terms; no separate category of “event creator”, “organiser” or similar is recognised. The User who creates an Event is exclusively responsible for defining its parameters and must select an Accessible Third-Party Video Game from the list displayed within the Sbarter App. The selection is for identification purposes only and does not imply partnership, endorsement, or authorisation by the VGP, does not provide access to the game, does not modify the game, and does not grant rights to use game IP beyond fair-use identification. Gameplay occurs entirely outside the Sbarter Protocol.

The User creating the Event must define the specific game mode, the winning criteria, the required Entry Amount of SBT Tokens, any minimum Integrity Score required for entry, any participant limitations or conditions, and the submission timeframe. Upon confirmation, a Smart Contract is automatically generated and deployed on Solana, all parameters become immutable, and the User who created the Event cannot modify or cancel it once another User joins.

10.2 Participation

To participate in an Event, the User must satisfy all Eligibility Requirements, have a sufficient balance of SBT Tokens, have a sufficient Integrity Score if required, authorise the locking of the Entry Amount into the Smart Contract, and agree to the Event parameters and the Fair-Play Policy. Once a User joins, their Entry Amount is automatically locked, locked Entry Amounts cannot be withdrawn or altered, and participation becomes final.

10.3 Results and Resolution

The Smart Contract determines the outcome of each Event through a three-tier mechanism, applied in sequence:

(a) Oracle resolution. Where the Third-Party Video Game provides an Oracle, the Oracle automatically feeds gameplay data to the Smart Contract and the Smart Contract determines the winner exclusively on the basis of such Oracle data. Sbarter does not verify Oracle accuracy. The availability of Oracle data does not imply any partnership, endorsement, or approval by any VGP.

(b) Matching User submissions. Where no Oracle is available, each Participant must submit the result through the Sbarter App within the allowed timeframe. If all Participants submit identical results, the Smart Contract confirms the result and Entry Amounts are distributed automatically to the winning User(s).

(c) Community Dispute Resolution. Where Oracle data is unavailable, inconsistent, or unusable, or where User submissions do not match, the Event is automatically referred to the Community Dispute Resolution mechanism embedded in the Sbarter Protocol. Under this mechanism, a panel of independent Users is selected algorithmically by the Protocol from the pool of eligible community resolvers. Each Participant may submit evidence supporting their claim (such as gameplay screenshots, video clips or other UGC), in accordance with the procedural and evidentiary rules set out in the Fair-Play Policy. The community resolvers review the evidence and vote on the outcome. The Smart Contract executes the outcome corresponding to the result determined under the Community Dispute Resolution rules; that outcome is final and binding on all Users. By participating in an Event, You expressly consent to the application of the Community Dispute Resolution mechanism to any dispute arising in relation to that Event.

Sbarter does not verify or review gameplay, decide which User is correct, collect evidence, adjudicate disputes, override Smart-Contract determinations, restore Entry Amounts, or participate in any way in the Community Dispute Resolution mechanism. Where the Community Dispute Resolution mechanism cannot reach an outcome — for example, due to insufficient resolver participation, expiry of applicable timeframes, or absence of usable evidence — the Event is automatically classified as a Non-Validated Event, Entry Amounts are returned to all Participants, and the Integrity Score of one or more Users may be reduced in accordance with protocol rules.

10.4 Integrity Score and Fair Competition

The Integrity Score is used to promote fair play and identify reliable participants. Integrity Scores cannot be purchased, traded, or transferred. The Integrity Score may be lowered automatically if a User submits incorrect or fraudulent results, repeatedly participates in Non-Validated Events, votes in bad faith or in a manner inconsistent with the evidence as a community resolver under the Community Dispute Resolution mechanism, or otherwise behaves in ways inconsistent with the Fair-Play Policy. Users who create Events may set minimum Integrity Score thresholds; Users below such thresholds may be automatically excluded. Integrity Score adjustments follow algorithmic rules, are final, are not reviewed manually, and cannot be appealed.

10.5 Fair-Play Policy

All Users must comply with the Fair-Play Policy, which forms an integral part of these Terms and sets out the rules applicable to gameplay conduct, result submission, evidence and the Community Dispute Resolution mechanism. Prohibited behaviour includes cheating or using unauthorised tools, falsifying results or evidence, manipulating network latency, multi-accounting, collusion, exploiting bugs or unintended mechanics, circumventing geographic restrictions, using automation or bots, voting in bad faith as a community resolver, and violating the terms of the Third-Party Video Game. Violations may result in Integrity Score reduction, suspension under Section 6, or termination of the User Account.

10.6 Cancellation

An Event may be cancelled by the User who created it only if no other User has yet joined. Once a Participant joins, the Event becomes immutable. Events may be automatically cancelled in cases including Smart-Contract execution failure, exhaustion of all resolution mechanisms (Oracle, matching submissions, and Community Dispute Resolution) without an outcome, or protocol-level errors; in such cases Entry Amounts are automatically returned and no compensation is due. Sbarter may cause an Event to be flagged for cancellation only when required by law or regulation, necessary for protocol security, required by App Store rules, or requested by competent authorities. Sbarter does not cancel Events based on disputes between Users.

10.7 Peer-to-Peer, Recreational Use

Events are intended to be peer-to-peer, skill-based and recreational. Each User uses the Sbarter Protocol on their own behalf. Sbarter does not run, operate, sponsor or supervise Events, does not pay any prize, does not retain any portion of Entry Amounts other than the Protocol Transaction Fee, and does not provide real-money gaming, lotteries, prize draws or any form of gambling. All outcomes are strictly limited to User-funded, skill-based Events executed through Smart Contracts.

10.8 User Responsibility for Gameplay

The User is solely responsible for playing the Third-Party Video Game, having legitimate access to the game, ensuring their gameplay is fair and compliant with game rules, avoiding cheats, mods and prohibited conduct, and ensuring adequate connectivity and device performance. Sbarter has no influence on gameplay and bears no responsibility for in-game performance or issues.

10.9 Transparency and No Guarantee

Before joining an Event, the User may view the Entry Amount, Protocol Transaction Fees, rules and conditions, Integrity Score requirements, and the time window. Joining constitutes acceptance of all parameters and Smart-Contract conditions, including the application of the Community Dispute Resolution mechanism. Sbarter does not guarantee that a created Event will be joined by others, that suitable Users will be available, that gameplay conditions will be optimal, that the Community Dispute Resolution mechanism will produce a particular outcome, or that all Third-Party Video Games will remain accessible.

11. USER ACTIVITIES OUTSIDE THE SBARTER PROTOCOL

11.1 Neutral Protocol; Independent User Activity

The Sbarter Protocol is a neutral technological infrastructure. Users may choose, on their own initiative and at their own risk, to engage in activities outside the Sbarter Protocol that relate to their use of the Services — including, without limitation, promoting or communicating about Events on social media or in their own communities, livestreaming Events, building audiences around Events, offering or accepting side-prizes, rewards or benefits outside the Smart Contract, entering into sponsorships, partnerships or any other commercial arrangement with third parties, or otherwise monetising their participation. Such activities are carried out by the User in their own name and on their own behalf and fall entirely outside the scope of these Terms and of the Services.

11.2 No Endorsement, No Control

Sbarter does not co-organise, supervise, endorse, sponsor, advertise, finance, control or in any way participate in such off-Protocol activities. The fact that a User uses the Sbarter Protocol to create or participate in Events does not make Sbarter a party to, or responsible for, any communication, promotion, agreement, transaction, or arrangement made by the User outside the Sbarter Protocol. Sbarter reserves the right, without obligation, to require Users to refrain from communications that misrepresent Sbarter, the Services, or the legal nature of the Sbarter Protocol.

11.3 User Compliance with Applicable Laws

Users engaging in off-Protocol activities are solely responsible for ensuring full compliance with all applicable laws and regulations, including those concerning advertising and consumer protection, influencer marketing disclosure and transparency, gambling, lottery and prize-promotion laws, tax and reporting obligations, anti-money-laundering and sanctions, data protection and privacy of community members, and intellectual property and the terms of service of any third-party platform used (e.g., Twitch, YouTube, X, Discord, Telegram, Instagram, TikTok).

11.4 Side-Prizes and Off-Chain Rewards

Where a User offers or distributes side-prizes, rewards, or any other benefit outside the Smart Contract — whether in cash, crypto-assets, goods, services or otherwise — such offer and distribution are entirely separate from the Sbarter Protocol, are the exclusive responsibility of the User, and create no obligation, liability or warranty on the part of Sbarter towards any other User, recipient, third party or authority.

11.5 Disclaimer and Indemnity

Sbarter expressly disclaims any liability arising out of or in connection with Users’ off-Protocol activities. The User agrees to indemnify and hold Sbarter harmless from and against any claim, demand, fine, penalty, loss or expense arising out of or in connection with such activities, in accordance with Section 17.

12. NO REGULATED SERVICES

12.1 No Gambling, Betting, or Games of Chance

Sbarter does not provide gambling services, betting services, games of chance, lotteries, prize draws, jackpots, raffles or any activity where outcomes depend wholly or partly on luck or random events. All Events available through the Sbarter Protocol are predominantly skill-based, and outcomes depend exclusively on the User’s performance inside the relevant Third-Party Video Game, on the evaluation criteria defined by the User who created the Event, on game-based Oracle data where applicable, and on the Community Dispute Resolution mechanism where applicable. Sbarter does not influence, randomise, or intervene in outcomes. For the avoidance of doubt, the Sbarter App does not constitute real-money gaming under any applicable App Store policy and does not provide any in-app purchase mechanism to obtain credit or currency for use in real-money gaming.

12.2 No Custodial Services or Management of Digital Assets

Sbarter provides non-custodial wallet infrastructure only and does not hold, store, control, freeze, block, release or transfer User digital assets, Private Keys or SBT Tokens on behalf of Users, nor does it offer wallet recovery services. All assets and Private Keys remain under the sole control and responsibility of the User.

12.3 No Financial, Investment, or Payment Services

Sbarter does not provide investment services, portfolio management, brokerage, advisory services, execution of orders in financial instruments, payment processing, remittance, currency conversion, issuance of e-money, or redemption or cash-out services. SBT Tokens are not fiat currency, not e-money, not a financial instrument, have no guaranteed value, and cannot be redeemed for fiat through Sbarter. Any purchase, sale or exchange of SBT Tokens is carried out exclusively through third-party services outside Sbarter’s control.

12.4 No Exchange, Marketplace, or Trading Venue

Sbarter is not a crypto-asset exchange, a trading platform, a marketplace, an order-matching engine, a multilateral trading facility or organised trading facility, a dark pool, or a liquidity provider. Sbarter does not match buyers and sellers, facilitate trades, determine prices, maintain order books, provide market access, or execute trades. Sbarter does not provide money transmission services as defined under U.S. federal or state law and does not at any time receive, hold, or transmit funds or digital assets on behalf of Users.

12.5 No Guarantee of Earnings or Returns

Participation in Events is solely for recreational, skill-based purposes. Sbarter does not guarantee winnings, outcomes, financial return or profit, does not represent that SBT Tokens will increase in value, and does not guarantee liquidity, availability, or market demand for SBT Tokens. Users assume all risks associated with the acquisition, transfer or use of SBT Tokens.

12.6 No Role in Third-Party Video Games or User Disputes

Events occur entirely inside independent Third-Party Video Games operated by VGPs; Sbarter has no control over gameplay, servers, game mechanics, moderation, or enforcement of game rules. Sbarter does not provide dispute resolution, arbitration, adjudication, evaluation of evidence, gameplay review, or decisions regarding Event results. Where a dispute cannot be resolved automatically by Oracle data or by matching User submissions, the dispute is referred to the Community Dispute Resolution mechanism embedded in the Sbarter Protocol, as described in Section 10.3; Sbarter does not participate in, supervise or influence that process. Decisions of the Community Dispute Resolution mechanism are final, binding on all Users, and cannot be appealed to Sbarter.

12.7 No Professional Sports or Esports Services

Sbarter does not operate professional tournaments, conduct esports events, act as an organiser or promoter of competitions, provide refereeing services, or verify competitive integrity beyond the automated Integrity Score and Community Dispute Resolution mechanisms. Events are peer-to-peer, informal, and decentralised.

13. USER-GENERATED CONTENT

13.1 Ownership and Licence

You remain the owner of Your UGC. By submitting UGC, You grant Sbarter and the Sbarter Protocol a worldwide, non-exclusive, royalty-free licence to store, use, display, process and make available such UGC as necessary to operate, secure and improve the Sbarter Protocol, enforce the Fair-Play Policy, comply with legal obligations, and make UGC available to other Users for the purposes of the Community Dispute Resolution mechanism. Sbarter does not use UGC for advertising without Your separate consent.

13.2 UGC Standards

You must ensure that all UGC is accurate, lawful and respectful and does not violate any law or third-party rights (including IP and privacy), contain hate speech, harassment or sexually explicit content, promote fraud, cheating or manipulation of Events or the Community Dispute Resolution mechanism, or contain spam, malware or harmful code. UGC submitted as evidence in the Community Dispute Resolution mechanism must accurately reflect the User’s gameplay and may not be staged, edited or falsified.

13.3 Moderation

Sbarter may review, restrict or remove UGC that appears to violate these Terms, the Fair-Play Policy, or legal obligations, but is not obliged to monitor all UGC and is not liable for UGC posted by Users. Users may contact Sbarter at support@sbarter.com to contest any restriction or removal of content.

13.4 Event Results and Evidence as UGC

Result submissions and related evidentiary data used for Events and for the Community Dispute Resolution mechanism are treated as UGC. Sbarter does not verify or arbitrate result submissions or evidence. Where result data does not match or is not submitted as required, the Event is referred to the Community Dispute Resolution mechanism in accordance with Section 10.3, or, as the case may be, treated as a Non-Validated Event.

14. THIRD-PARTY SERVICES

The Sbarter Protocol integrates or relies on independent third-party services, including Third-Party Video Games, KYC Services Providers, blockchain networks, wallet tools, exchanges, fiat on-ramp providers, App Stores, and cloud infrastructure. These services are not owned or controlled by Sbarter and are governed by their own terms and conditions.

Events take place entirely within Third-Party Video Games selected by Users. Sbarter does not create, operate or control these games and does not guarantee their availability, performance, or rules. Selection of a game in the Sbarter App is for identification only and does not imply endorsement or partnership. You must comply with each game’s terms of service and accept all risks arising from its use.

The Sbarter Protocol depends on external blockchain networks (such as Solana). Sbarter does not operate these networks and is not responsible for congestion, failures, forks, or other issues that may affect transactions or Smart-Contract execution. Identity verification, token acquisition, fiat on-ramp services and other ancillary services are provided by independent third parties under their own terms; Sbarter is not responsible for their performance, availability or security and does not guarantee the ability to acquire, trade, or exchange SBT Tokens.

15. PROHIBITED CONDUCT

Users must use the Sbarter Protocol lawfully, fairly and responsibly. The conduct listed in this Section is strictly prohibited and may result in Integrity Score reduction, suspension or termination of the User Account, restriction from Events, and reporting to competent authorities where required by law.

15.1 Illegal or Unlawful Conduct

• engaging in any activity that violates applicable law or regulation;
• facilitating fraud, money laundering, or terrorist financing;
• using the Sbarter Protocol in connection with illegal gambling or betting;
• accessing the Sbarter Protocol from a Prohibited Country or any jurisdiction where skill-based gaming with Entry Amounts is restricted or unlawful;
• circumventing geographic restrictions through VPNs, proxies, or other location-masking tools.

15.2 Misrepresentation and False Information

• providing false, misleading or incomplete information during registration or KYC;
• impersonating another person or entity;
• misrepresenting identity, age, residency or location;
• falsifying, forging, or manipulating any documentation, submission or evidence in the Community Dispute Resolution mechanism.

15.3 Cheating, Manipulation, and Integrity Violations

• using hacks, mods, cheats, scripts, macros, or bots;
• exploiting bugs, glitches, or unintended mechanics;
• falsifying, staging, or fabricating result submissions or evidence;
• colluding with other Users to predetermine outcomes, trigger Non-Validated Events, or influence Community Dispute Resolution decisions;
• participating in Events without personally playing the underlying game;
• voting in bad faith, in a manner inconsistent with the evidence, or in collusion with other resolvers as a community resolver under the Community Dispute Resolution mechanism;
• artificially inflating or suppressing Integrity Scores;
• deliberately failing to confirm results.

15.4 Technical Manipulation and System Abuse

• reverse engineering, decompiling, or disassembling the Sbarter App or the Sbarter Protocol;
• bypassing, modifying, disabling or interfering with Smart Contracts, the Community Dispute Resolution mechanism, Session Authorizations, or security measures;
• attempting unauthorised access to the Sbarter Protocol;
• introducing malware, viruses or harmful code;
• disrupting or overloading servers, APIs, or network operations.

15.5 Multi-Accounting and Account Abuse

• creating more than one User Account;
• sharing, transferring, loaning or selling Your Account;
• accessing or controlling accounts of others;
• coordinating multiple accounts to manipulate Events or Community Dispute Resolution outcomes.

15.6 Misuse of SBT Tokens and the Wallet

• using SBT Tokens for illegal activities;
• advertising or facilitating token sales within the Sbarter Protocol;
• conducting wash trading, circular transfers, or other fraudulent on-chain transactions;
• misrepresenting the nature or legal status of SBT Tokens;
• attempting to bypass or manipulate Protocol Transaction Fees or Entry-Amount locking/release.

15.7 Harmful, Offensive or Abusive Content

• hate speech, harassment, abusive, defamatory, discriminatory or violent content;
• pornographic or sexually explicit material;
• content encouraging harm or illegal activity, threats, blackmail or personal attacks.

15.8 Privacy and Third-Party Rights

• sharing personal data of others without consent;
• scraping, harvesting, or unauthorised data collection;
• uploading screenshots or recordings revealing sensitive information without permission;
• violating the terms of any Third-Party Video Game or third-party platform.

16. PERSONAL DATA

Sbarter Limited acts as data controller for the limited Personal Data it processes in connection with the Services, namely the User’s authentication credentials (email or phone number) and technical, log, transactional and behavioural data necessary to operate the Sbarter Protocol, ensure security and integrity, support the Community Dispute Resolution mechanism, and comply with legal obligations. Sbarter does not collect, view or store the identity documents or personal information processed during KYC, which are handled exclusively by the independent KYC Services Provider.

Details of the categories of data processed, legal bases, retention periods, recipients, international transfers, and User rights under applicable data-protection law (including the EU General Data Protection Regulation, where applicable) are set out in the Sbarter Privacy Policy, which forms an integral part of these Terms and is available at https://sbarter.com. The Privacy Policy describes how Users can exercise rights of access, rectification, erasure, restriction, portability and objection, and how to contact Sbarter’s designated contact for data-protection matters.

17. INDEMNIFICATION

To the maximum extent permitted by applicable law, the User agrees to indemnify, defend and hold harmless Sbarter Limited, its directors, officers, founders, employees, contractors and agents, and any affiliates involved in the operation of the Sbarter Protocol, from and against any and all claims, demands, damages, losses, liabilities, penalties, fines, costs and expenses (including reasonable legal fees) arising out of or related to: (i) breach by the User of these Terms or the Fair-Play Policy; (ii) violation of law by the User, whether intentional or negligent; (iii) misrepresentation by the User regarding age, location, KYC information, identity, results or evidence; (iv) UGC that violates third-party rights or applicable law; (v) misconduct in Events or in the Community Dispute Resolution mechanism, including cheating, collusion, bad-faith voting or manipulation; (vi) unauthorised use of the Sbarter Protocol or Smart Contracts; (vii) improper use of SBT Tokens or the Sbarter Wallet; (viii) interaction with Third-Party Services outside Sbarter’s control; (ix) claims by other Users based on disputes, interactions or damages caused by the User; (x) regulatory, consumer-protection or enforcement actions resulting from User behaviour; (xi) any off-Protocol activity carried out by the User in connection with the Services, as described in Section 11; and (xii) security breaches resulting from the User’s failure to secure their device, Private Keys or Recovery Phrase.

Nothing in this Section requires the User to indemnify Sbarter for fraud, gross negligence or intentional misconduct committed directly by Sbarter. If a claim arises, Sbarter will notify the User when reasonably feasible; the User must cooperate fully with Sbarter’s defence and reimburse Sbarter for related costs. Sbarter retains full control over the legal defence, settlement or resolution. The User’s indemnification obligations survive account termination, cessation of access to the Sbarter Protocol, and expiration or modification of these Terms.

18. LIABILITY

18.1 Service Provided “As Is”

To the maximum extent permitted by applicable law, the Sbarter Protocol is provided on an “as is” and “as available” basis, without warranties of any kind, express or implied. Sbarter expressly disclaims any implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising out of course of dealing or usage of trade, and does not warrant that the Services will be uninterrupted, secure or error-free.

18.2 Scope of Exclusion

Subject to Section 18.5, Sbarter shall not be liable for any damages arising out of or related to: (i) outcomes of Events, gameplay performance, result submissions, decisions of the Community Dispute Resolution mechanism, Non-Validated Events, or Integrity Score changes; (ii) Smart-Contract automation, irreversible on-chain transactions, parameters defined by Users, user mistakes in authorising transactions, including the granting of Session Authorizations or the failure to revoke them in due time, bugs or vulnerabilities in third-party libraries, or incorrect or unavailable Oracle data; (iii) the operation of, or interruption to, the Solana blockchain or any other network, including congestion, downtime, reorganisations, forks, validator failures, or protocol-level exploits; (iv) fluctuations in the value of SBT Tokens, liquidity issues, delisting, or financial losses resulting from token acquisition or disposal; (v) loss of Private Keys or Recovery Phrases, unauthorised access caused by User negligence, malware, hacking or theft affecting the User’s device, or user error in backing up credentials; (vi) acts or omissions of Third-Party Providers, including Third-Party Video Games, KYC Services Providers, exchanges, fiat on-ramp providers, token swap services, App Stores, cloud infrastructure, APIs, SDKs, wallet connectors or libraries; (vii) downtime, outages, maintenance, delays, latency, or temporary unavailability of the Sbarter Protocol; (viii) cheating, manipulation, collusion or misconduct by other Users, including bad-faith voting in the Community Dispute Resolution mechanism or the sending of assets to incorrect wallet addresses; (ix) loss or corruption of UGC, cached data or device storage; (x) consequences of the User’s off-Protocol activities, as described in Section 11; and (xi) any Force Majeure event.

18.3 Aggregate Liability Cap

Subject to Section 18.5, Sbarter’s total aggregate liability arising out of or related to the User’s use of the Sbarter Protocol, whether in contract, tort, statute or otherwise, shall not exceed the greater of one thousand Euro (€1,000) or the total amount of Protocol Transaction Fees paid by the User to Sbarter in the six (6) months preceding the event giving rise to liability.

18.4 Exclusion of Indirect Damages

To the maximum extent permitted by law, Sbarter shall not be liable for any indirect, incidental, consequential, punitive, exemplary, special or enhanced damages, including loss of profits, revenue, business opportunity, expected winnings, data or content, replacement costs, goodwill or reputation, digital assets (including SBT Tokens), or losses arising from token volatility or market fluctuations, even if Sbarter has been advised of the possibility of such damages or such damages were reasonably foreseeable.

18.5 Mandatory Law and Consumer Rights

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by gross negligence, fraud or fraudulent misrepresentation, or any other statutory consumer protections that cannot be waived. If any provision of this Section is found invalid by a competent authority, the remainder shall continue to apply to the fullest extent permitted.

18.6 Allocation of Risk and Survival

The User acknowledges that participation in blockchain-based Events involves inherent risks, that the Sbarter Protocol depends on multiple external systems outside Sbarter’s control, that decisions of the Community Dispute Resolution mechanism are inherently dependent on the participation and good faith of independent Users, and that this allocation of risk is an essential element of the agreement between the User and Sbarter. The limitations set forth in this Section survive account termination, deletion of the Sbarter App, loss of access to the Sbarter Protocol, and expiration or modification of these Terms.

19. TERMINATION

19.1 Termination by Sbarter

Sbarter may, at its sole discretion and at any time, with or without notice, suspend or terminate the User Account and access to the Sbarter Protocol if the User breaches these Terms or the Fair-Play Policy, fails to maintain Eligibility Requirements, engages in fraudulent, abusive, cheating or manipulative conduct, repeatedly triggers Non-Validated Events, repeatedly votes in bad faith in the Community Dispute Resolution mechanism, violates third-party terms, attempts to bypass geographic restrictions, or where required by a lawful request from authorities, by App Store obligations, or by the need to protect the integrity, security or proper functioning of the Sbarter Protocol. Sbarter may terminate the User Account immediately and permanently without prior warning in cases of severe misconduct (e.g., cheating, automation, manipulation of Smart Contracts or the Community Dispute Resolution mechanism, multi-accounting, identity fraud, or unlawful use of the Sbarter Protocol).

19.2 Suspension

Before termination, Sbarter may suspend the User Account temporarily for investigation, in response to suspicious conduct, on failure to respond to verification requests, or to address technical or security issues. Suspension may include blocking access to Events, restricting in-App Wallet interactions, disabling social features, or temporarily preventing result submissions and resolver participation. Suspension does not affect Smart Contracts already executed on-chain.

19.3 Termination by the User

The User may terminate their Account at any time through the Sbarter App, provided there are no active or pending Events, no Entry Amounts remain locked in any Smart Contract, the User has removed or transferred all assets from the Sbarter Wallet, and the User is not under investigation for misconduct.

19.4 Effects

Upon termination, the User loses access to their profile, UGC, Integrity Score, and all related Sbarter App features; ongoing Events involving the User may be voided at Smart-Contract level where supported by the rules; the User may not create a new Account unless explicitly permitted by Sbarter; and the User remains responsible for all obligations incurred prior to termination. Indemnification, liability limitations, disclaimers and other protective provisions continue to apply. Termination does not delete blockchain records, reverse Smart-Contract executions, or recover or restore lost Private Keys, assets or tokens, and does not entitle the User to any compensation, refund (including of Protocol Transaction Fees), restoration of Integrity Score, or token reimbursement.

19.5 Data Retention upon Termination

Sbarter retains only the User’s authentication credentials necessary to maintain the User Account. Sbarter does not possess, and therefore cannot retain or delete, personal identity data used for KYC, which is handled exclusively by the third-party provider and tokenised on the User’s Wallet. Upon termination, Sbarter will delete the User’s authentication credentials in accordance with applicable privacy laws, as further described in the Privacy Policy. On-chain transaction history associated with the User’s Wallet remains immutable.

19.6 Reinstatement

Sbarter may, but is not obligated to, reinstate a suspended or terminated Account; reinstatement is rare, requires Sbarter’s explicit written approval, may require renewed KYC and may require rebuilding the Integrity Score from zero. Users previously suspended for misconduct, multi-accounting, cheating, bad-faith resolver voting or fraud will not be reinstated.

20. CHANGES TO THE SERVICES AND THESE TERMS

20.1 Changes to the Services

Sbarter may modify, update, enhance, suspend or discontinue any part of the Sbarter Protocol at any time, including features and interfaces, Events and supported game modes, integrations with Third-Party Video Games, the rules of the Community Dispute Resolution mechanism (subject to the Fair-Play Policy), technical components and Smart Contracts, Protocol Transaction Fees, interoperability with third-party wallets or tools, and availability of the Sbarter App in certain jurisdictions or App Stores. Such changes may be implemented temporarily or permanently, with or without notice, at Sbarter’s sole discretion. The User acknowledges that the Sbarter Protocol evolves continuously and that Sbarter is not obligated to maintain any specific feature or functionality.

20.2 Updates to the App

Sbarter may release Sbarter App updates including bug fixes, security enhancements, performance improvements, new or removed features, UI/UX changes, and compliance adjustments. The User may be required to install the latest version of the Sbarter App to continue using the Sbarter Protocol. Sbarter is not responsible for incompatibility with outdated devices or OS versions, failure to install updates, or loss of access due to non-updated software.

20.3 Changes to These Terms

Sbarter may modify these Terms at any time to reflect changes in laws or regulations, App Store or third-party requirements, product updates, security or technical improvements, clarifications, or new or removed features. When changes are made, Sbarter may provide notice via the Sbarter App, send an in-Protocol notification, or publish the updated Terms at the same location where these Terms are hosted. The updated Terms become effective as stated in the notification or publication. Where required by law, Sbarter will notify Users of material changes (including modifications affecting User rights or obligations, eligibility rules, fees, or policies affecting privacy or wallet interactions), which may require renewed acceptance via the Sbarter App or continued use to indicate acceptance, depending on applicable law. Non-material or technical changes may be implemented without direct notification unless required by law.

20.4 Continued Use as Acceptance

Except where prohibited by law, the User’s continued access to or use of the Sbarter Protocol after changes take effect constitutes acceptance of the updated Terms. If the User disagrees with the updated Terms, their sole remedy is to stop using the Sbarter Protocol and terminate their Account under Section 19.

20.5 Smart Contract Upgrades

Sbarter may deploy updated or new Smart Contracts for security, functional, compliance or bug-fix purposes, including in relation to the Community Dispute Resolution mechanism. Where Smart Contracts include an upgrade authority, Sbarter may exercise it in accordance with disclosed policies; such upgrades do not entitle Users to refunds or compensation and do not alter completed blockchain transactions.

21. APP STORE PROVISIONS

21.1 Acknowledgement

The User acknowledges that these Terms are concluded between the User and Sbarter only, and not with Apple Inc., Google LLC, or any other App Store operator (each, an “App Store Operator”). Sbarter, and not the relevant App Store Operator, is solely responsible for the Sbarter App and the content thereof, except as otherwise provided in this Section.

21.2 Scope of Licence

The licence granted to the User under Section 5 is limited to a non-transferable licence to use the Sbarter App on any device that the User owns or controls, in accordance with the usage rules set out in the applicable App Store Operator’s terms of service.

21.3 Maintenance and Support

Sbarter is solely responsible for providing any maintenance and support services with respect to the Sbarter App, as required under applicable law. The App Store Operator has no obligation whatsoever to furnish any maintenance and support services.

21.4 Warranties and Product Claims

In the event of any failure of the Sbarter App to conform to any applicable warranty, the User may notify the relevant App Store Operator, and that Operator may refund the purchase price for the App (if any). To the maximum extent permitted by applicable law, the App Store Operator will have no other warranty obligation whatsoever with respect to the App. Any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be Sbarter’s sole responsibility. Sbarter, not the App Store Operator, is responsible for addressing any claims by the User or any third party relating to the App or to the User’s possession and/or use of the App, including (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.

21.5 Intellectual Property

In the event of any third-party claim that the App or the User’s possession and use of the App infringes that third party’s intellectual property rights, Sbarter, and not the App Store Operator, will be solely responsible for the investigation, defence, settlement and discharge of any such claim, to the extent required by these Terms.

21.6 Legal Compliance

The User represents and warrants that (i) they are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country, and (ii) they are not listed on any U.S. Government list of prohibited or restricted parties.

21.7 Third-Party Beneficiary

The User acknowledges and agrees that the relevant App Store Operator and its subsidiaries are third-party beneficiaries of these Terms, and that, upon the User’s acceptance of these Terms, the relevant App Store Operator will have the right (and will be deemed to have accepted the right) to enforce these Terms against the User as a third-party beneficiary thereof.

21.8 Conflict

In case of conflict between these Terms and the applicable App Store Operator’s terms of service or usage rules, the App Store Operator’s terms prevail solely with respect to matters relating to distribution, in-app purchases, consumer protection and user rights mandated by the App Store Operator. All other matters remain governed by these Terms.

22. GOVERNING LAW AND JURISDICTION

22.1 Governing Law

These Terms, and any contractual or non-contractual obligations arising out of or relating to them, shall be governed by and construed in accordance with the laws of Malta, without regard to conflict-of-law principles.

22.2 Jurisdiction

Subject to Section 22.3, any dispute arising out of or relating to these Terms, the User’s access to or use of the Sbarter Protocol, the Sbarter Wallet or Smart-Contract interactions, Events and related activities (including the Community Dispute Resolution mechanism), or the acquisition or use of SBT Tokens, shall be submitted to the exclusive jurisdiction of the courts of Malta.

22.3 Mandatory Consumer Protections

If, and only to the extent that, the User qualifies as a consumer under applicable law and such law mandatorily requires application of local consumer-jurisdiction rules, the User may bring claims before the courts of their country of habitual residence. To the extent legally permissible, Sbarter may nonetheless require that matters relating to Smart-Contract execution, blockchain events or protocol operation be governed exclusively by Maltese courts.

22.4 Interim Relief and Class Action Waiver

Nothing prevents Sbarter from seeking interim measures, emergency relief or injunctions before any competent court to protect the integrity or security of the Sbarter Protocol, the Smart Contracts, its intellectual property, or Users from imminent harm or fraud. To the maximum extent permitted by applicable law, the User agrees that disputes shall be resolved individually and that the User shall not bring or participate in any class action, collective claim or representative proceeding against Sbarter. If such limitation is not enforceable under applicable consumer law, it applies only to the extent legally allowed.

22.5 Smart-Contract Finality

Smart-Contract execution and blockchain transactions — including outcomes of the Community Dispute Resolution mechanism executed on-chain — are autonomous and irreversible and cannot be reversed or modified by Sbarter or by any court. Any legal remedies available are limited to off-chain obligations and do not affect completed on-chain transactions.

22.6 Language

These Terms are drafted in English. Any translation is provided for convenience only. In case of discrepancy between the English version and any translation, the English version prevails, subject to mandatory consumer-protection rules in the User’s jurisdiction.

23. MISCELLANEOUS

23.1 Entire Agreement

These Terms, together with the Fair-Play Policy and the Privacy Policy, constitute the entire agreement between the User and Sbarter regarding the access to and use of the Sbarter Protocol, and supersede all prior or contemporaneous understandings on the same subject matter.

23.2 No Waiver and Severability

Failure by Sbarter to exercise or enforce any right or provision shall not constitute a waiver; any waiver must be expressly made in writing to be valid. If any provision is held invalid, unlawful or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remainder shall remain in full force and effect.

23.3 Assignment

The User may not assign, transfer or delegate any rights or obligations under these Terms without Sbarter’s prior written consent. Sbarter may freely assign or transfer these Terms, in whole or in part, including to affiliates, successors in connection with mergers, acquisitions or corporate reorganisations, or third parties assuming responsibility for operating the Sbarter Protocol. Any permitted assignment shall remain binding on the User.

23.4 Force Majeure

Sbarter shall not be liable for any failure or delay in performance caused by Force Majeure events. Such events do not entitle the User to compensation.

23.5 Notices and Electronic Agreement

Notices to the User may be provided through in-App notifications, email to the address associated with the User Account, messages within the Sbarter Protocol, or publication within the Sbarter App or on the official Sbarter website. Notices to Sbarter must be sent to the contact channels indicated in the Sbarter App. Electronic communications satisfy any legal requirement for written communication. By using the Sbarter Protocol, the User agrees that these Terms constitute a legally binding electronic contract, that no physical signature is required, and that acceptance through digital means is legally valid and enforceable.

23.6 Survival

Any provisions that, by their nature, are intended to survive termination shall survive, including Sections 4 (Risk Warning), 8 (SBT Token), 9 (Sbarter Wallet), 11 (User Activities Outside the Sbarter Protocol), 13 (UGC), 16 (Personal Data), 17 (Indemnification), 18 (Liability), 19 (Termination), 20 (Changes), 21 (App Store Provisions), 22 (Governing Law) and 23 (Miscellaneous).

23.7 Interpretation

Headings are for convenience only and do not affect interpretation. Any ambiguity shall not be construed against Sbarter solely on the basis that Sbarter drafted these Terms.

23.8 Contact

For questions about these Terms, Users may contact Sbarter through the official support channels indicated in the Sbarter App or on the Sbarter website.