LEGAL DISCLOSURES

Companies:

The "re" brand and website located at re.xyz (the "Site") are operated by Resilience Foundation Company ("Resilience Foundation"), an Exempted Limited Guarantee Foundation Company incorporated in the Cayman Islands with Limited Liability with registered number IC-414560. The Site provides access to a decentralized technology protocol and information regarding the blockchain-based reinsurance ecosystem.

Resilience (BVI) Ltd ("Resilience BVI"), a company incorporated in the British Virgin Islands, is an affiliate of the Resilience Foundation and may provide specific administrative, operational, or token-related services as described in the Platform Agreement.

Resilience Inv SPC ("Resilience SPC"), is a Segregated Portfolio Company incorporated in the Cayman Islands with Limited Liability, is an affiliate of Resilience Foundation and Resilience BVI. Resilience SPC maintains segregated portfolios of digital assets on behalf of Resilience Foundation.

All regulated reinsurance activities, including the underwriting of risks and the issuance of reinsurance contracts, are conducted exclusively by Cover Reinsurance SPC Ltd. ("Cover Re SPC"). Cover Re SPC is a Class B(iii) licensed exempted segregated portfolio company incorporated in the Cayman Islands. For details on Re's reinsurance business, click here.

The Resilience Foundation, Resilience BVI, and Resilience SPC do not provide insurance or reinsurance services, do not act as an insurance broker or agent, and do not hold a license to conduct insurance business.

Access to Tokens:

The digital assets reUSD and reUSDe (the "Tokens") are available exclusively to non-U.S. persons (as defined in Regulation S under the Securities Act of 1933, as amended) in specific permitted jurisdictions. Use of the Resilience Foundation platform is strictly prohibited for persons or entities located in, or residents of, the United States, its territories, or any jurisdiction where such access would be contrary to local law.

KYC/AML:

Access to and participation in the re protocol and Token ecosystem is contingent upon the successful completion of mandatory Know Your Customer (KYC) and Anti-Money Laundering (AML) screening. Resilience Foundation maintains a robust compliance program in accordance with regulatory requirements and international standards. We reserve the right to block, freeze, or terminate access for any user who fails to meet these requirements or is identified as a sanctioned individual or entity.

No Investment or Financial Advice:

All content, information, and materials provided on the Site, including but not limited to blog posts, social media content, whitepapers, newsletters, and marketing materials (collectively, "Content"), are provided for informational and educational purposes only. Nothing contained in the Content constitutes, or should be construed as, investment, financial, legal, tax, or other professional advice. No Content on this Site should be interpreted as a recommendation, endorsement, or solicitation to buy, sell, or hold any digital asset, including reUSD and reUSDe, or to engage in any specific investment strategy or transaction.

Independent Assessment Required:

Users of the Site and the re protocol must not rely on the Content as a substitute for independent financial research or professional advice. You are solely responsible for conducting your own thorough "due diligence" and evaluating the merits and risks associated with the use of the re protocol and any associated digital assets. You should consult with qualified legal, tax, and financial advisors in your jurisdiction before making any financial decisions or interacting with the protocol.

Assumption of Risk:

By accessing the Site or utilizing the re protocol, you acknowledge and agree that digital assets and decentralized finance (DeFi) involve significant inherent risks, including but not limited to market volatility, regulatory uncertainty, and technical vulnerabilities (such as smart contract exploits). You hereby assume all risks associated with your use of the Site, Content, and the protocol, including the risk of a total and permanent loss of principal.

"As-Is" Basis & Limitation of Liability:

All Content is provided on an "as-is" and "as-available" basis without warranties of any kind. Resilience Foundation, its affiliates, and their respective directors, officers, and employees disclaim all liability for any loss or damage arising directly or indirectly from your reliance on the Content or your use of the re protocol. Your interaction with the Site and protocol is strictly at your own risk.

Risk of Loss:

Purchasing, holding, or utilizing reUSD and reUSDe involves significant risk, including the potential for total loss of principal. These Tokens are not bank deposits and are not insured by any governmental agency.

No Guarantee:

Any historical performance data or "yield" figures presented are for informational purposes only; past performance is not a reliable indicator of future results. The stability and value of reUSD/reUSDe are subject to market volatility, smart contract vulnerabilities, and the underlying collateral's performance.

Technological Risk:

The re protocol is a decentralized technology suite. While we strive for high security, the protocol remains subject to technical risks, including software bugs, smart contract exploits, and attacks. Furthermore, any interaction with third-party DeFi platforms (e.g., liquidity pools or lending markets) is at the user's sole risk. Resilience Foundation does not control, and is not responsible for, the security or operation of external protocols.