Disclaimer

1. General Website Disclaimer

The information provided by Macroblocs Limited ('we', 'us', or 'our') on https://www.cash-in.app (the 'Site'), our mobile application, our WhatsApp chatbot, our Telegram chatbot (@cashin_app_bot), and our blog (https://cash-in.app/blog) is for general informational purposes only. All information on these channels is provided in good faith; however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site, our mobile application, our chatbots, or our blog.

UNDER NO CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SITE, OUR MOBILE APPLICATION, OUR WHATSAPP OR TELEGRAM CHATBOTS, OR OUR BLOG, OR RELIANCE ON ANY INFORMATION PROVIDED THEREIN. YOUR USE OF THESE CHANNELS AND YOUR RELIANCE ON ANY INFORMATION PROVIDED IS SOLELY AT YOUR OWN RISK.

2. Cryptocurrency Market Risk Disclaimer

Cryptocurrency markets are highly volatile and subject to rapid price fluctuations. The value of cryptocurrencies can increase or decrease significantly within short periods, and you may experience substantial financial losses. By using Cash-in App, you acknowledge and accept that:

• Cryptocurrency prices are determined by market forces and can be influenced by various factors including regulatory changes, market sentiment, technological developments, and global economic conditions.
• Past performance of cryptocurrencies does not guarantee future results.
• There is no guarantee that you will profit from using our services, and you may lose the entire value of your cryptocurrency.
• Macroblocs Limited does not provide investment advice, and nothing on our platform should be construed as a recommendation to buy, sell, or hold any cryptocurrency.

YOU ASSUME FULL RESPONSIBILITY FOR ALL RISKS ASSOCIATED WITH CRYPTOCURRENCY TRANSACTIONS AND ACKNOWLEDGE THAT MACROBLOCS LIMITED SHALL NOT BE LIABLE FOR ANY LOSSES RESULTING FROM MARKET VOLATILITY OR PRICE FLUCTUATIONS.

3. Exchange Rate Disclaimer

Exchange rates displayed on Cash-in App are determined from prevailing market rates. We operate an arbitrage model and maintain a spread from market rates, which is determined solely by Macroblocs Limited. You acknowledge and accept that:

• Exchange rates are subject to change at any time without prior notice.
• We reserve the right to modify the spread applied to exchange rates at any time, both in size and timing, without notification to users.
• Different spreads may apply to different transaction volumes, with higher volume trades potentially receiving better rates.
• Rates displayed on the app homepage are updated in real-time but may differ from the rate applied at the time of transaction confirmation.
• Exchange rates may fluctuate between the time you initiate a transaction and when it is processed, and you will be bound by the rate at the time of transaction confirmation.

MACROBLOCCS LIMITED SHALL NOT BE LIABLE FOR ANY LOSSES RESULTING FROM EXCHANGE RATE FLUCTUATIONS OR CHANGES IN SPREADS.

4. Regulatory Risk Disclaimer

The regulatory environment for cryptocurrency services is evolving and subject to change. Regulatory changes in Nigeria or internationally may affect the availability, legality, or operation of Cash-in App services. You acknowledge and accept that:

• Regulatory authorities may introduce new laws, regulations, or restrictions that could impact our services.
• We may be required to suspend, modify, or terminate services in response to regulatory changes.
• Compliance with regulatory requirements may result in additional verification procedures, transaction limits, or service restrictions.
• Macroblocs Limited operates in compliance with applicable Nigerian laws, including the Money Laundering (Prevention and Prohibition) Act 2022 and SCUML regulations, and may be required to report transactions or restrict services as mandated by law.

MACROBLOCS LIMITED SHALL NOT BE LIABLE FOR ANY LOSSES OR INCONVENIENCES RESULTING FROM REGULATORY CHANGES OR COMPLIANCE REQUIREMENTS.

5. Blockchain Network Risk Disclaimer

Cryptocurrency transactions rely on blockchain networks, which are subject to various technical risks. You acknowledge and accept that:

• Blockchain networks may experience congestion, delays, or temporary outages that could affect transaction processing times.
• Network fees (gas fees) may vary significantly and are determined by network conditions, not by Cash-in App.
• Blockchain networks may undergo forks, upgrades, or other technical changes that could affect transactions.
• Transactions sent to incorrect addresses or unsupported tokens may result in permanent loss of funds, for which Macroblocs Limited shall not be liable.
• Network delays or failures may result in transaction delays or failures, and we will retry failed payments until successful or until you provide an alternate bank account.

MACROBLOCS LIMITED SHALL NOT BE LIABLE FOR ANY LOSSES RESULTING FROM BLOCKCHAIN NETWORK ISSUES, DELAYS, OR FAILURES.

From time to time, and entirely at our discretion, Cash-in App may offer goodwill credits or rewards in connection with delayed payouts. Any such credit or reward is promotional and discretionary, is not an admission of fault or liability, is not guaranteed, and does not create any entitlement or ongoing obligation. We may modify, limit, or discontinue any such goodwill or delay-compensation arrangement at any time without prior notice, and this does not affect or limit the disclaimers set out above regarding delays caused by blockchain networks, third parties, banking systems, or market conditions.

6. Rewards, Referrals, and Promotions Disclaimer

Cash-in App may operate promotional reward programs, including (without limitation) referral KYC rewards, referral transaction/commission rewards, leaderboard or competition prizes, and other discretionary promotional or goodwill credits. You acknowledge and accept that:

• All rewards are promotional only. They are not wages, interest, investment returns, guaranteed income, or stored-value balances, and they create no contractual entitlement beyond what we expressly credit under our Terms of Use and prevailing program rules.
• Reward amounts shown in the app, on our website, or in notifications are indicative only and may change. Actual earning and withdrawal amounts depend on eligibility, program rules, and available promotional inventory at the relevant time.
• Rewards are valid only while stocks last. We may cap, pause, reduce, or exhaust any reward category, bonus pool, or prize inventory at any time without prior notice.
• Your promotional reward balance can and may be reset (including reduced to zero) at or around each calendar year end, or at such other periodic reset date as we determine, without prior notice and without compensation for any unwithdrawn balance.
• Participation in referral, leaderboard, or other promotional programs is optional and may be restricted to KYC-verified accounts. We may withhold, reverse, forfeit, expire, or refuse rewards where we detect abuse or ineligibility.
• We may modify, suspend, restructure, or discontinue any reward or referral program at any time without prior notice.

MACROBLOCS LIMITED SHALL NOT BE LIABLE FOR ANY LOSS OF ACTUAL OR EXPECTED REWARDS, INCLUDING LOSS ARISING FROM PROGRAM CHANGES, INVENTORY EXHAUSTION, INELIGIBILITY, FORFEITURE, OR YEAR-END OR OTHER REWARD-BALANCE RESETS. Further details are set out in our Terms of Use.

7. Service Availability Disclaimer

Cash-in App services are provided on an "as-is" and "as-available" basis. We make no guarantees regarding service availability, uptime, or uninterrupted access. You acknowledge and accept that:

• Scheduled maintenance occurs every Monday between 00:00 (midnight) and 02:00 (2:00 AM) West Africa Time, during which services may be temporarily unavailable.
• Unscheduled technical issues may result in service downtime, with a maximum downtime period of 48 hours.
• Service interruptions may occur due to factors beyond our control, including but not limited to technical failures, third-party service provider issues, regulatory actions, or force majeure events.
• We reserve the right to suspend, modify, or terminate services at any time without prior notice.
• Services are only available to users located in Nigeria, and access may be restricted based on regulatory requirements or our business decisions.

MACROBLOCS LIMITED SHALL NOT BE LIABLE FOR ANY LOSSES OR INCONVENIENCES RESULTING FROM SERVICE INTERRUPTIONS, DOWNTIME, OR UNAVAILABILITY.

8. Third-Party Payment Processor Disclaimer

Cash-in App utilizes third-party payment fulfillers to process fiat payments to your bank account. You acknowledge and accept that:

• We are not responsible for the actions, errors, or failures of third-party payment fulfillers.
• Payment processing times may vary depending on the third-party processor and banking network.
• If bank details are incorrect, payments will be held until valid bank account information is provided.
• Third-party payment processors may be subject to their own terms and conditions, regulatory requirements, and operational limitations.
• Macroblocs Limited shall not be liable for delays, failures, or errors in payment processing caused by third-party payment fulfillers.

MACROBLOCS LIMITED SHALL NOT BE LIABLE FOR ANY LOSSES RESULTING FROM THE ACTIONS, ERRORS, OR FAILURES OF THIRD-PARTY PAYMENT FULFILLERS.

9. No Investment Advice Disclaimer

Cash-in App is a cryptocurrency-to-Naira conversion service and does not provide investment, financial, or trading advice. The information provided on our platform is for informational purposes only and should not be construed as:

• Investment advice or recommendations to buy, sell, or hold any cryptocurrency.
• Financial planning or advisory services.
• Guarantees of profit or returns.
• Predictions or forecasts of cryptocurrency prices or market movements.

You should consult with qualified financial advisors before making any investment decisions. THE USE OR RELIANCE OF ANY INFORMATION CONTAINED ON THE SITE OR OUR MOBILE APPLICATION FOR INVESTMENT PURPOSES IS SOLELY AT YOUR OWN RISK.

10. No Storage Service Disclaimer

Cash-in App provides wallet addresses exclusively for receiving cryptocurrency for conversion to Naira. You acknowledge and accept that:

• Cash-in App wallet addresses are not intended for asset storage or holding purposes.
• Any cryptocurrency sent to a Cash-in wallet address is automatically processed for conversion to Naira.
• We do not support cryptocurrency withdrawals from Cash-in wallet addresses.
• Macroblocs Limited does not provide asset storage or custody services.
• If you require a wallet for storing assets, you should use other providers that specialize in secure asset storage.

MACROBLOCS LIMITED SHALL NOT BE LIABLE FOR ANY LOSSES RESULTING FROM THE MISUSE OF CASH-IN APP WALLET ADDRESSES FOR STORAGE PURPOSES.

11. External Links Disclaimer

The Site and our mobile application may contain (or you may be sent through the Site or our mobile application) links to other websites or content belonging to or originating from third parties or links to websites and features in banners or other advertising. Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability, or completeness by us.

WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR THE ACCURACY OR RELIABILITY OF ANY INFORMATION OFFERED BY THIRD-PARTY WEBSITES LINKED THROUGH THE SITE OR ANY WEBSITE OR FEATURE LINKED IN ANY BANNER OR OTHER ADVERTISING. WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

12. Account Deletion and Data Retention Disclaimer

You may request account deletion via the app only after your account has been open for at least 30 days from the date of registration. If you submit a deletion request, your account will be scheduled for permanent deactivation after a 48-hour period, during which you may cancel the deletion. After 48 hours, your account will be deactivated and you will be logged out on all devices. Deactivation of your account does not mean that all of your personal data is immediately erased. We retain data as required by applicable law (including anti-money laundering, tax, and regulatory requirements). You acknowledge that such retention is necessary for legal and compliance purposes and that Macroblocs Limited shall not be liable for retaining data where required by law.

13. Affiliates Disclaimer

The Site and our mobile application may contain links to affiliate websites, and we may receive an affiliate commission for any purchases made by you on the affiliate website using such links. Our affiliates include the following:

• Transak (Note: This affiliate relationship is being deprecated but may still be relevant for historical transactions)

We are not responsible for the services, products, or actions of our affiliates, and any transactions with affiliates are subject to their respective terms and conditions.

14. Limitation of Liability

To the maximum extent permitted by law, Macroblocs Limited, its affiliates, directors, officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities.
• Loss of cryptocurrency or fiat currency.
• Loss of data or information.
• Loss of actual or expected promotional rewards, bonuses, or prizes (including from year-end or other reward-balance resets).
• Service interruptions or unavailability.
• Errors or delays in transaction processing.
• Third-party actions or failures.

This limitation of liability applies regardless of the legal theory on which the claim is based, including contract, tort, negligence, or any other theory.

15. Contact Information

For questions or concerns regarding this Disclaimer, please contact us at:

Macroblocs Limited (Cash-in App)
Email: compliance@cash-in.app
Support: support@cash-in.app

Note: Macroblocs Limited currently operates a remote-only business model and does not maintain a physical office. All communications should be directed to the email addresses provided above.