Toto Terms and Conditions

Effective Date: March 2025

1. Introduction

These Terms & Conditions (the "Terms") govern the sale, purchase, and use of the TOTO token (the "Token") and your use of the Toto Finance platform and services.

By participating in the Token Sale, accessing our platform, or purchasing Tokens, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, do not participate in the Token Sale or use our services.

These Terms constitute a legally binding agreement between you ("you," "your," or "Purchaser") and the entities described below.

2. Parties and Roles

Toto Finance Inc. (United States) is the principal operating entity for the Toto Finance platform and your primary counterparty for platform access and non-custodial digital services unless otherwise identified.

TotoHolding AG (Herrengasse 6, 9490 Vaduz, Liechtenstein) holds physical custody in Liechtenstein of vaulted stones, gemstones, precious metals, commodities, and other tangible assets that back tokenized products.

LCX AG (Herrengasse 6, 9490 Vaduz, Liechtenstein) is a regulated Virtual Asset Service Provider under TVTG (registration No. 288159), and serves as:

• Official issuer of the TOTO Token
• Registered Physical Validator under the Liechtenstein Blockchain Act
• Trusted technology service provider for the Toto Finance platform

LCX AG is registered for the following services under TVTG:

• TT Exchange Service Provider
• TT Token Depositary
• Token Generator
• TT Key Depositary
• TT Price Service Provider
• TT Identity Service Provider
• TT Token Issuer (for own account and third parties)

3. No Public Offering

IMPORTANT: The TOTO Token is NOT offered through a public token sale.

TOTO Tokens are not distributed through an ICO, IEO, or any public sale by Toto Finance Inc. or LCX AG. Tokens may only be acquired through:

• LCX Exchange (LCX.com)
• Decentralized exchanges (e.g., Uniswap)
• Secondary market trading
• Token migration (TIA to TOTO at 1:1)

4. Token Overview

Smart contract audit: https://hacken.io/audits/toto-finance/

Token utility includes:

• Discounts on platform service fees
• Rewards for promotions and competitions
• Access to platform features and services
• Smart contract-enabled fee reductions and reward distribution

The TOTO Token does not represent equity, debt, ownership, profit-sharing rights, voting rights, or any claim to dividends.

5. Eligibility and Restricted Jurisdictions

To participate, you must:

• Be at least 18 years old (or legal majority in your jurisdiction)
• Have legal capacity to enter binding contracts
• Complete required KYC/AML verification
• Not appear on sanctions lists
• Not be a resident/citizen of restricted jurisdictions

Restricted-jurisdiction status may change over time and is your responsibility to verify.

6. Token Acquisition

Since there is no public token sale, TOTO may be acquired via LCX Exchange, decentralized exchanges, migration, and secondary markets.

LCX Exchange flow:

1. Create account at LCX.com
2. Complete KYC/AML verification
3. Deposit funds/crypto
4. Purchase TOTO via available pairs

All token acquisitions are final. Blockchain transactions are irreversible.

7. KYC/AML Compliance

You agree to provide required documents and ongoing due diligence support.

We reserve the right to:

• Refuse or cancel purchases at sole discretion
• Delay/withhold token delivery pending verification
• Report suspicious activity where legally required
• Terminate accounts where verification fails

8. Physical Asset Validation and Redemption

• LCX AG acts as registered Physical Validator
• Underlying physical assets are held in insured custody (TotoHolding AG)
• Redemption availability is product-specific and may include thresholds
• Fees may include processing, shipping, insurance, and taxes

9. Risk Disclosures

IMPORTANT: Acquiring and holding TOTO Tokens involves significant risks.

• Tokens are non-refundable except where legally required
• Tokens are provided on an "as is" basis without warranties
• Market volatility may result in partial or total loss
• Smart contract/network failures may cause disruptions or loss
• Loss of private keys leads to permanent loss of access
• Transactions are generally irreversible
• Regulatory and tax changes may adversely impact token utility/value
• Operational downtime or third-party failures may occur

BY ACQUIRING TOKENS, YOU ACKNOWLEDGE THAT YOU UNDERSTAND AND ACCEPT THESE RISKS.

10. User Responsibilities

You agree to:

• Use platform and tokens only for lawful purposes
• Comply with all applicable laws and regulations
• Maintain wallet/account security
• Provide accurate, up-to-date information

You shall not:

• Engage in money laundering or illegal activity
• Circumvent restrictions or verification requirements
• Manipulate markets or interfere with platform security
• Misrepresent identity or eligibility

11. No Investment Advice

Nothing in these Terms or communications constitutes financial, investment, legal, or tax advice or a solicitation to invest.

You should:

• Conduct independent due diligence
• Consult qualified advisors
• Only allocate what you can afford to lose

12. Intellectual Property

Toto Finance Inc., LCX AG, and licensors retain all rights in platform technology, trademarks, content, and related materials.

A limited license is granted solely for intended platform use.

You may not:

• Copy, modify, or reverse engineer platform software
• Use trademarks without written permission
• Remove proprietary notices

13. Limitation of Liability

THE PLATFORM, TOKENS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND.

To the maximum extent permitted by law:

• No liability for indirect/incidental/consequential/punitive damages
• Total liability capped at amounts paid for tokens in the 12 months preceding claim
• No liability for third-party actions, network issues, or events outside reasonable control

14–24. Additional Legal Terms

The following sections apply in full as set out in the source terms document: Indemnification, Refunds and Cancellations, Privacy and Data Protection, Tax Obligations, Force Majeure, Amendments, Severability, Waiver, Assignment, Entire Agreement, and Governing Law & Jurisdiction.

Governing law is Liechtenstein, with disputes subject to Liechtenstein courts, and arbitration in Vaduz as optionally elected.

25. Contact Information

Toto Finance Inc. (main operator)
Email: hello@totofinance.co
Website: totofinance.co

TotoHolding AG (Liechtenstein physical custody)
Herrengasse 6, 9490 Vaduz, Liechtenstein

Legal inquiries: legal@totofinance.co

26. Acknowledgment

By acquiring TOTO Tokens, you acknowledge that:

1. You have read, understood, and agree to these Terms in full
2. You understand the risk disclosures
3. You meet all eligibility requirements
4. You are not relying on representations outside these Terms
5. You had the opportunity to seek independent legal/financial advice