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Terms of Service


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venture, or other form of joint enterprise, employment, or fiduciary relationship between the parties,
and neither party shall have authority to contract for or bind the other party in any manner whatsoever.
13.11. No Third-Party Beneficiaries. This Agreement is for the sole benefit of the parties hereto and their
respective successors and permitted assigns and nothing herein, express or implied, is intended to or
shall confer upon any other person any legal or equitable right, benefit, or remedy of any nature
whatsoever under or by reason of this Agreement.
13.12. Entire Agreement. This Agreement, together with any other documents incorporated herein by
reference, constitutes the sole and entire agreement of the parties with respect to the subject matter
of this Agreement and supersedes all prior and contemporaneous understandings, agreements,
representations, and warranties, both written and oral, with respect to such subject matter.
13.13. Survival. All Sections, and any right or obligation of the parties in this Agreement, which by their
nature should survive termination or expiration of this Agreement, will survive any expiration or
termination of this Agreement.
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used to identify any individual or company.
Third-Party Service(s)” means any software, software services, content, data, or other materials,
including related documentation, that are owned by third parties other than Flowty.
Transaction(s)” has the meaning set forth in Section 2.1.
Users” means any Independent Users, NFT Holders, or individuals and entities that access the Service.
User Data” means information, data, and other content, that is collected, downloaded, or otherwise
received, directly or indirectly, from a User by or through the Service and is not made available publicly,
but does not include any Statistical Data.
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Independent Lender Digital Wallet from which the Loan Disbursement Amount was distributed
pursuant to Schedule 2, Section 1.1.
1.3. Automated Settlement Process. In the absence of an Early Repayment, at the time the Loan
Repayment Date and Time has been reached, the Flowty Smart Contract will initiate the following
settlement process (“Settlement Process”) which will validate whether the NFT Holder has both
selected the Loan Repayment Opt-In and has Fungible Tokens equal to or greater than the Loan
Repayment Amount in the NFT Holder Digital Wallet (“Settlement Conditions”). Upon confirming
that the Settlement Conditions are satisfied, the Flowty Smart Contract will distribute the Loan
Settlement Amount and release the NFT Collateral and NFT Issuer Royalty as follows: (i) withdraw
the Fungible Tokens in the amount of the Loan Repayment Amount from the NFT Holder Digital
Wallet and, subject to Section 2.3 above, transfer such Fungible Tokens to the Independent
Lender Digital Wallet; (ii) release NFT Issuer Royalty to Independent Lender Digital Wallet; and
(iii) release the NFT Collateral to NFT Holder Digital Wallet. If there has not been an Early
Repayment and one or more of the Settlement Conditions have not been met, the NFT Holder
shall be deemed to be in default of the loan under the respective Direct User Agreement, and
the Flowty Smart Contract will release the NFT Collateral to the Independent Lender Digital
Wallet and release the NFT Issuer Royalty to the NFT Issuer Digital Wallet. Flowty does not
guarantee that the various functions of the Service and Flowty Smart Contact will be completed
within any minimum amount of time following the end of the Loan Term, it being understood
that the Service, including the Settlement Process, is subject to Downtime and other delays.
1.4. Automatic Loan Repayment Opt-In. At the time of adding a new listing to the Flowty marketplace,
NFT Holder may opt-in to permit the Service to repay the Loan Repayment Amount from NFT
Holder Digital Wallet in accordance with Schedule 2, Section 1.3 above (“Loan Repayment Opt-
In”). If NFT Holder has selected the Loan Repayment Opt-In and there has been no Early
Repayment, the Flowty Smart Contract will initiate the Settlement Process in accordance with
Schedule 2, Section 1.3 above. You are strongly encouraged to select the Repayment Opt-In to
reduce the risk of default in the absence of Early Repayment.
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Wallet. If the Flowty Smart Contract is unable to complete an automatic return, the Flowty Smart
Contract will initiate the rental return process in accordance with Schedule 3, Section 1.2 above.
You are strongly encouraged to select the Rental Return Opt-In to reduce the risk of losing your
Refundable Deposit.
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Schedule 4
NFT Storefront
1.1. Flowty Storefront Transactions. NFT Holders may list their NFTs for sale (as provided in Section
1.2 of this Schedule), and an Independent Buyer may purchase an NFT, through the Flowty
Storefront. Upon acceptance of the List Price (defined below) by an Independent Buyer, the
required Fungible Tokens in the amount of the List Price will be transferred from the Independent
Buyer Digital Wallet to the NFT Holder Digital Wallet and the NFT Holder’s NFT will be transferred
from the NFT Holder Digital Wallet to the Independent Buyer Digital Wallet. Flowty will receive
the Flowty Storefront Transaction Fee from the NFT Holder’s share of the List Price as part of the
Transaction. Any applicable NFT Issuer Royalty will also be distributed from the NFT Holder’s
share of the List Price as part of the Transaction.
1.2. Listings. NFT Holder may create a listing for an NFT owned by the NFT Holder by (i) identifying
the NFT and the designated NFT Holder Digital Wallet that holds such NFT and (ii) setting the
respective NFT’s listing price (“List Price”) (each completed listing an “NFT Listing”).