Terms of Use LAST UPDATED: April 05, 2019 PLEASE READ XRUN TERMS OF USE. BY ACCESSING XRUN WEBSITE, XRUN WALLET OR AFFILIATE WEBSITES, PRODUCTS OR SERVICES, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS DESCRIBED HEREIN AND ALL TERMS INCORPORATED BY REFERENCE. IF YOU DO NOT AGREE TO THE TERMS OUTLINED IN THIS DOCUMENT, DO NOT USE XRUN WALLET APPLICATION, XRUN WALLET, XRUN WEBSITE, PRODUCTS OR SERVICES. These Terms of Use (“Terms”) apply to your access to, and use of, the websites of XRUN (“Company”) and its subsidiaries and affiliated companies, products or services (“XRUN”, ”XRUN Wallet”, “ours, “we” or “us”), including xrun.run (collectively, the “Site”). These Terms do not alter the terms or conditions of any other agreement you may have with XRUN for products, services or otherwise. XRUN may change or alter this Terms from time to time. We will notify of any changes made by revising the Last Updated date at the top of this policy document, as well as on the cover page. XRUN will notify you via email for any changes that legally require direct communication. SECTION 1. DEFINITION AND ELIGIBILITY Definition XRUN Wallet refers to the blockchain wallet developed by XRUN based on Ethereum, as well as other blockchain systems which XRUN may support in the future, including supporting tools which are developed for the convenience of Users when transacting using blockchain based systems, applications or networks. Eligibility By accessing or using the XRUN Wallet, XRUN Website or , you represent and warrant that you have not previously been suspended or removed from the Site. You represent and warrant that you are not: (a) a Politically Exposed Persons; (b) Appear on any international sanction list or denied persons list, or (c) banned from transacting virtual currencies. You further represent and warrant that you will not use the Site if the laws of your country prohibit you from doing so in accordance with these Terms. Lawful Usage By agreeing to the terms outlined in this document you agree to; (a) comply with all applicable laws and regulations of the country or area you reside in, (b) not use the Jwallet for any unlawful purposes or by any unlawful means, (c) not use the XRUN Wallet to commit any illegal or unlawful activities, (d) fully accept responsibility for any violation of relevant and applicable laws and regulations. SECTION 2. USER REGISTRATION & ACCOUNT CREATION User Registration To access the full suite of XRUN Wallet features, you are required to have a XRUN account and provide information about yourself. You warrant that: (a) all required registration information you submit is truthful, up-to-date and accurate; (b) you will maintain the accuracy of such information. You may delete your Account at any time by following the instructions on the Site. Company may suspend or terminate your Account in accordance with Section. Account Responsibilities You are responsible for maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account. You approve to immediately notify the Company of any unauthorized use, or suspected unauthorized use of your Account. Company cannot and will not be liable for any loss or damage arising from your failure to comply with the above requirements. SECTION 3. ACCESS TO THE SITE, PRODUCTS OR SERVICES Subject to these Terms. Company grants you a non-transferable, non-exclusive, revocable, limited license to access the Site solely for your own personal, non-commercial use. Certain Restrictions The rights approved to you in these Terms are subject to the following restrictions: (a) you shall not sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Site; (b) you shall not change, make derivative works of, disassemble, reverse compile or reverse engineer any part of the Site; (c) you shall not access the Site in order to build a similar or competitive website; and (d) except as expressly stated herein, no part of the Site may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means unless otherwise indicated, any future release, update, or other addition to functionality of the Site shall be subject to these Terms. All copyright and other proprietary notices on the Site must be retained on all copies thereof. Company reserves the right to change, suspend, or cease the Site with or without notice to you. You approved that Company will not be held liable to you or any third-party for any change, interruption, or termination of the Site or any part. Excluding any User Content that you may provide, you are aware that all the intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the Site and its content are owned by Company or Company's suppliers. Note that these Terms and access to the Site do not give you any rights, title or interest in or to any intellectual property rights, except for the limited access rights expressed in Section 2.1. Company and its suppliers reserve all rights not granted in these Terms. SECTION 4. USER CONTENT User Content “User Content” means any and all information and content that a user submits to the Site. You are exclusively responsible for your User Content. You bear all risks associated with use of your User Content. You hereby certify that your User Content does not violate our Acceptable Use Policy. You may not represent or imply to others that your User Content is in any way provided, sponsored or endorsed by Company. Because you alone are responsible for your User Content, you may expose yourself to liability. Company is not obliged to backup any User Content that you post; also, your User Content may be deleted at any time without prior notice to you. You are solely responsible for making your own backup copies of your User Content if you desire. You hereby grant to Company an irreversible, nonexclusive, royalty-free and fully paid, worldwide license to reproduce, distribute, publicly display and perform, prepare derivative works of, incorporate into other works, and otherwise use and exploit your User Content, and to grant sublicenses of the foregoing rights, solely for the purposes of including your User Content in the Site. You hereby irreversibly waive any claims and assertions of moral rights or attribution with respect to your User Content. Acceptable Use Policy The following terms constitute our “Acceptable Use Policy”: You agree not to use the Site to collect, upload, transmit, display, or distribute any User Content (i) that violates any third-party right or any intellectual property or proprietary right; (ii) that is unlawful, harassing, abusive, tortious, threatening, harmful, invasive of another's privacy, vulgar, defamatory, false, intentionally misleading, trade libelous, pornographic, obscene, patently offensive, promotes racism, bigotry, hatred, or physical harm of any kind against any group or individual; (iii) that is harmful to minors in any way; or (iv) that is in violation of any law, regulation, or obligations or restrictions imposed by any third party. In addition, you agree not to: (i) upload, transmit, or distribute to or through the Site any software intended to damage or alter a computer system or data; (ii) send through the Site unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of duplicative or unsolicited messages; (iii) use the Site to harvest, collect, gather or assemble information or data regarding other users without their consent; (iv) interfere with, disrupt, or create an undue burden on servers or networks connected to the Site, or violate the regulations, policies or procedures of such networks; (v) attempt to gain unauthorized access to the Site, whether through password mining or any other means; (vi) harass or interfere with any other user's use and enjoyment of the Site; or (vi) use software or automated agents or scripts to produce multiple accounts on the Site, or to generate automated searches, requests, or queries to the Site. We reserve the right to review any User Content, and to investigate and/or take appropriate action against you in our sole discretion if you violate the Acceptable Use Policy or any other provision of these Terms or otherwise create liability for us or any other person. Such action may include removing or modifying your User Content, terminating your Account in accordance with Section 8, and/or reporting you to law enforcement authorities. If you provide Company with any feedback or suggestions regarding the Site, you hereby assign to Company all rights in such Feedback and agree that Company shall have the right to use and fully exploit such Feedback and related information in any manner it believes appropriate. Company will treat any Feedback you provide to Company as non-confidential and non-proprietary. You agree to indemnify and hold Company and its officers, employees, and agents harmless, including costs and attorneys' fees, from any claim or demand made by any third-party due to or arising out of (a) your use of the Site, (b) your violation of these Terms, (c) your violation of applicable laws or regulations or (d) your User Content. Company reserves the right to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You agree not to settle any matter without the prior written consent of Company. Company will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it. SECTION 5. THIRD PARTY LINKS & ADVERTISEMENTS The Site may contain links to third-party websites and services, and/or display advertisements for third-parties. Such Third-Party Links & Advertisements are not under the control of Company, and Company is not responsible for any Third-Party Links & Advertisements. Company provides access to these Third-Party Links & Advertisements only as a convenience to you, and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Links & Advertisements. You use all Third-Party Links & Advertisements at your own risk, and should apply a suitable level of caution and discretion in doing so. When you click on any of the Third-Party Links & Advertisements, the applicable third party's terms and policies apply, including the third party's privacy and data gathering practices. SECTION 6. OTHER USERS Each Site user is solely responsible for any and all of its own User Content. Because we do not control User Content, you acknowledge and agree that we are not responsible for any User Content, whether provided by you or by others. You agree that Company will not be responsible for any loss or damage incurred as the result of any such interactions. If there is a dispute between you and any Site user, we are under no obligation to become involved. You hereby release and forever discharge the Company and our officers, employees, agents, successors, and assigns from, and hereby waive and relinquish, each and every past, present and future dispute, claim, controversy, demand, right, obligation, liability, action and cause of action of every kind and nature, that has arisen or arises directly or indirectly out of, or that relates directly or indirectly to, the Site. SECTION 7. DISCLAIMERS & LIMITATION ON LIABILITY To the maximum extent permitted by law, in no event shall company or our suppliers be liable to you or any third-party for any lost profits, lost data, costs of procurement of substitute products, or any indirect, consequential, exemplary, incidental, special or punitive damages arising from or relating to these terms or your use of, or incapability to use the site even if company has been advised of the possibility of such damages. Access to and use of the site is at your own discretion and risk, and you will be solely responsible for any damage to your device or computer system, or loss of data resulting therefrom. XRUN only undertakes obligations expressly set forth in this Agreement. In addition, XRUN shall not be held liable for malfunction of the XRUN Wallet which results from the following reasons, (a) system maintenance, (b) malfunction of your mobile device hardware and software, and failure of telecommunication lines and power supply lines; (c) any other reasons not imputed to Jibrel. Furthermore, XRUN shall not be held liable under the following circumstances: (a) Users lose their mobile devices, delete the XRUN Wallet without backup, forget Wallet Passwords, Private Keys and Mnemonic Phrase without backup, which result in the loss of their Tokens; (b) Users disclose their Wallet Passwords, Private Keys or Mnemonic Phrase, or lend or transfer their XRUN Wallet to others, or use the XRUN Wallet by other insecure means, which result in the loss of their Tokens; (c) Users mishandle the XRUN Wallet (including but not limited to wrong address, failure of the node servers selected by you), which result in the loss of Tokens; (d) Users are unfamiliar with the knowledge of blockchain and their mishandling of the XRUN Wallet results in loss of their Tokens; (e) the Jwallet is unable to copy accurate transaction records due to system delay or blockchain instability etc. You acknowledge and agree that you assume full responsibility for your use of the site and service. You acknowledge and agree that any information you send or receive during your use of the site and service may not be secure and may be intercepted or later acquired by unauthorized parties. You acknowledge and agree that your use of the site and service is at your own risk. Recognizing such, you understand and agree that, to the fullest extent permitted by applicable law, XRUN will not be liable to you for any direct, indirect, incidental, special, consequential, punitive, exemplary or other damages of any kind, including without limitation damages for loss of profits, goodwill, use, data or other tangible or intangible losses or any other damages based on contract, tort, strict liability or any other theory (even if XRUN had been advised of the possibility of such damages), resulting from the site or service; the use or the inability to use the site or service; unauthorized access to or alteration of your transmissions or data; statements or conduct of any third party on the site or service; any actions we take or fail to take as a result of communications you send to us; human errors; technical malfunctions; failures, including public utility or telephone outages; omissions, interruptions, latency, deletions or defects of any device or network, providers, or software (including, but not limited to, those that do not permit participation in the service); any injury or damage to computer equipment; inability to fully access the site or service or any other website; theft, tampering, destruction, or unauthorized access to, images or other content of any kind; data that is processed late or incorrectly or is incomplete or lost; typographical, printing or other errors, or any combination thereof; or any other matter relating to the site or service. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. accordingly, some of the above limitations may not apply to you. SECTION 8. CHANGE, SUSPENSION, TERMINATION OF SERVICES You acknowledge and accept that XRUN may, at its sole discretion, provide only a part of services for the time being, suspend certain services or provide new services in the future. When we change our services, your continuous use of the XRUN Wallet is deemed as your acceptance of this Agreement and revisions of this Agreement. You understand that XRUN may suspend services under the following circumstances; (a) due to the maintenance, upgrading, failure of equipment and blockchain system and the interruption of communications etc., which lead to the suspension of the operation of the XRUN Wallet; (b) due to other events which XRUN cannot control or reasonably predicate. XRUN reserves the right to unilaterally suspend or terminate all or part of the function of the XRUN Wallet under the following circumstances; (a) if you use Trust Wallet to commit illegal or criminal activities; (b) if you hinder the normal use of the XRUN Wallet by other Users; (c) if you pretend to be staff or management personnel of XRUN; (d) if you threaten the normal operation of XRUN computer system by attack, invasion, alternation or any other means; (e) if you use the XRUN Wallet to send spams; (f) if you conduct any illegal activities, under which XRUN reasonably considers necessary to suspend services. You are entitled to export your wallets within a reasonable amount of time if XRUN changes, suspends or terminates its services. SECTION 9. RISKS You understand and acknowledge that the blockchain technology is a field of innovation where the laws and regulations are not fully established. You may be faced with material risks including instability of technology or failure of Tokens redemption. You also understand that Tokens have much higher volatility comparing to other financial assets. You shall make investment decisions and hold or dispose of the Tokens in a reasonable way and corresponding to your financial status and risk preferences. If you or your counterparty fails to comply with this Agreement or fails to follow the instructions, tips or rules on the website or on the page of the transaction or payment, the XRUN Wallet does not guarantee successful transfer of the Tokens and the XRUN Wallet shall not be held liable for any of the consequences of such failure. If you or your counterparty has already received the payment in the XRUN Wallet wallet or third-party wallet, you understand that transactions on blockchain are irreversible and irrevocable. You and your counterparty shall assume the liabilities and consequences of your transactions. It is your sole responsibility to make sure that your counterparty is a person with full capacity for civil acts and decide whether you shall transact with him/her. You understand that after you create or import wallet on the XRUN Wallet, your Private Key and Mnemonic Phrase are only stored on your mobile device and will not be stored in the XRUN Wallet or on the servers of XRUN. If your Wallet Password, Private Key or Mnemonic Phrase is disclosed, hacked or attacked, you may lose your Tokens and XRUN is unable to restore them. You shall bear the foregoing losses on your own. SECTION 10. INTELLECTUAL PROPERTY The XRUN Wallet is an application developed and owned by XRUN. The intellectual property rights of any contents displayed in the XRUN Wallet (including this Agreement, announcements, articles, videos, audios, images, archives, information, materials, trademarks or logos) are owned by XRUN. Users can only use the XRUN Wallet and its contents for the purpose of holding and managing their Tokens. SECTION 11. GOVERNING LAW & DISPUTE RESOLUTION The validity, interpretation, alternation, enforcement, dispute resolution of this Agreement and its revised versions shall be governed and construed in accordance with Singapore laws and regulation. Where there is no applicable law, this Agreement shall be interpreted by applicable commercial and/or industrial practices. If any dispute or claim in connection with this Agreement arises between you and XRUN, the parties shall first attempt to resolve the dispute or claim through amicable negotiations in good faith. If the parties cannot reach an agreement, either party may sue the other party at the competent court where XRUN is located. SECTION 12. COPYRIGHT Content and other materials on the XRUN Wallet website, including, but not limited to, the XRUN logo and all designs, text, graphics, logos, icons, images, photographs, audio clips, digital downloads, data compilations, software and the selection and arrangement thereof (collectively, the “Materials”) are our property or are licensed to us and are protected by United States and/or international copyright laws. Except as otherwise provided in these terms, you are not permitted to copy, modify, display, license, create derivative works of, or otherwise exploit our Materials without written permission of the copyright holder. If you have any feedback, questions, or complaints, contact us via our Customer Support webpage. When you contact us please provide us with your name, address, and any other information we may need to identify you, your XRUN Wallet Account, and the transaction on which you have feedback, questions, or complaints. SECTION 13. CONTACT US If you have any questions or concerns regarding these terms, you may contact us through XRUN Support at support@xrun.run or via mail: XRUN PTE. LTD. Attention: Legal & Compliance Dept. 16 Raffles Quay #16-05 Hong Leong Building Singapore 048581

XRUN Privacy Policy EFFECTIVE DATE: April 18, 2019 OVERVIEW XRUN and its affiliated companies (“XRUN Wallet”, “we”, “our”, “us”, “Company”) are dedicated to the highest levels of privacy and safe storage of personal information. This document outlines the Company’s approach to data collection, storage and sharing. WHAT IS COVERED IN THIS POLICY? The XRUN Privacy Policy outlines how and what data the XRUN Wallet collects, uses, stores, shares, and protects whenever you use xrun.run or any other XRUN Service. By using the XRUN Website and Services, you consent to the data practices prescribed in this document. Throughout this document, we use the term "personal information" or “personally identifiable information” (PII) to describe information that can be associated with a specific individual and can be used to identify the individual. This Privacy Policy does not apply to personal information that has been anonymized in such a way that it can no longer be used to identify a specific user. XRUN takes reasonable precautions, as described herein, to protect your personal information from misuse, unauthorized access, disclosure, alteration, loss, and or destruction. This Privacy Policy will be updated periodically. It is the responsibility of the user to review any changes in this policy. We will notify you of any changes to this policy in accordance with relevant laws, rules and regulations. Last Updated: April 18th, 2019 APPLICABILITY: WHEN IS THIS POLICY APPLICABLE? This policy is applicable to all Information collected through our websites, applications and services (including www.xrun.run, wallet.xrun.run) and when you interact with us through the use of XRUN products as described in their respective Terms and Conditions. This Privacy Policy does not apply to third-party integrations or implementations of XRUN software. TABLE OF CONTENTS The text below described what elements are covered by this document: 1. Understanding your Rights 2. Private Key Management 3. Personal Information Collection, Processing & Storage 4. Legal Basis (EEA) 5. Information Retention & Protection 6. Changes to Privacy Policy 7. Contact Us SECTION 1. UNDERSTANDING YOUR RIGHTS Privacy is a fundamental human right and is protected by law. You have the right to request a copy of your information, to object to our use of your information (including for marketing purposes), where applicable, to correct your information, to request the deletion or restriction of your information, or to request your information in a structured, electronic format. XRUN Wallet adheres to the EU-US Privacy Shield Framework Principles as defined by the US Department of Commerce. Please note that we may retain certain information as required by law or for legitimate business purposes. If you would like to exercise any of these rights, please contact xrun@lifegood.com. SECTION 2. PRIVATE KEY MANAGEMENT Your private keys will always remain on your local device and will never be shared with XRUN. SECTION 3. PERSONAL INFORMATION COLLECTION, PROCESSING & STORAGE This section outlines the different types of Personal Information and how XRUN collects, processes and stores them. A. INFORMATION COLLECTION Information You share with Us We collect and store information you provide to XRUN through our website, applications, sign-ups, support requests, promotions, sweepstakes, contests, interactive features or feedback surveys. This information may include your name, email address, username, password, location and any other information you choose to provide. Information We collect automatically through Trackers & Cookies When you visit XRUN's website, or the XRUN Wallet website, we obtain certain information through automated tools and means, these include but are not limited to cookies, web beacons, server logs, trackers and other related technologies. “Cookies” are small files which are stored on a user's computer. They are designed to hold a modest amount of data specific to a particular client and website, and can be accessed either by the web server or the client computer. This allows the server to deliver a page tailored to a particular user, or the page itself can contain some script which is aware of the data in the cookie and so is able to carry information from one visit to the website (or related site) to the next. This information is captured to assist us in (a) remembering your information to simplify the user experience, (b) better understand the user experience and journey and (c) measure the effectiveness of our website and overall communication. Your browser or third-party plugins may notify you of the cookies we use and how to disable them. We recommend browsing our products and services with cookies enabled, to ensure you are able to use all the features of our Websites. B. INFORMATION PROCESSING Personally Identifiable Information (PII) Sensitive personal data will be used as intended and will remain on your device. E.g. Camera Data will only be used for reading QR codes. Camera images will never leave your device. Physical Location Data Your physical location will never be communicated to us, unless you provide prior specific consent. Blockchain Transaction Data Your blockchain transactions may be relayed through servers (“nodes”) and will be publicly visible due to the public nature of distributed ledger systems. Aggregate Usage Statistics We may collect usage information in order to improve functionality and User Experience. This information will be used in an aggregated, anonymized fashion, and never in association with your name, email, or other personally identifying information (Personally Identifying Information). Voluntary Personally Identifiable Information You may choose to provide us with personally identifying information in order to participate in certain programs, activate features, or obtain other benefits but you will always be able to use the basic features of the XRUN Wallet without providing personally identifying information. If you provide us with personally identifying information then, notwithstanding any part of this policy, we may use that information in order to provide you with services or to improve the functioning or UI of the XRUN Wallet. C. INFORMATION TRANSMISSION & STORAGE Data Confidentiality Your personally identifying information will be kept strictly confidential and never provided to third parties. Communication with Third-Party Servers Exchange rates, balances, transactions and other blockchain information may be read from, or related to, third-party servers. We cannot guarantee the privacy of your Internet connection. User Support Requests If you contact support then as part of the support request we may incidentally collect your personally identifying information but we will endeavor to keep that information secure and confidential. Support information may be managed using a third-party service and further terms of that service may apply to your support request. SECTION 5. INFORMATION RETENTION & PROTECTION Information Retention Data is retained for as long as necessary to deliver products and services to you, as well as other legitimate business purposes. In addition, data is retained in accordance with relevant laws and legislation. Information Protection XRUN is committed to protecting your personal information. XRUN has in place policies and procedures to ensure user data is protected from breach or misuse. XRUN is dedicated towards preventing the accidental, unlawful or unauthorized disclosure, loss, alteration, access, or use of your personal data. SECTION 6. CHANGES TO THIS PRIVACY POLICY XRUN may change or alter this Privacy Policy from time to time. We will notify of any changes made by revising the Effective Date at the top of this policy document, as well as on the cover page. XRUN will notify you via email for any changes that legally require direct communication. SECTION 7. CONTACT US If you have any questions or concerns regarding this privacy policy, you may contact us through XRUN Support at xrun@lifegood.com or via mail: XRUN PTE. LTD. Attention: Legal & Compliance Dept. 16 Raffles Quay #16-05 Hong Leong Building Singapore 048581