Terms and Conditions

These Terms and Conditions govern access to and use of the Farona website and web application, including free and paid beta features, wallet and transaction checks, automatically generated reports, accounts, credits, and related support.

Farona is provided by the early-stage, unincorporated BFLabs startup project based in North Rhine-Westphalia, Germany. By creating an account, requesting a paid offer, purchasing credits or reports, or using the application, the user agrees to these Terms. Mandatory rights that cannot legally be waived remain unaffected.

Farona is a beta service. Features, supported networks, data coverage, user interfaces, analytical rules, report formats, limits, and availability may change as the product develops. Beta status does not exclude mandatory statutory rights, but users acknowledge that testing, maintenance, corrections, interruptions, and changes are expected characteristics of the current release.

Unless expressly agreed in an individual written offer, Farona does not provide a service-level agreement, guaranteed uptime, guaranteed response time, guaranteed network coverage, or guaranteed report-delivery time.

Public website information may be viewed without a general age restriction. A person who lacks legal capacity to create an account or enter into a contract may do so only with valid authorisation from a parent or legal guardian.

A person using Farona on behalf of a company or other organisation confirms that they have authority to bind that organisation. Farona may refuse, suspend, or terminate access where use would violate applicable law, sanctions, export restrictions, third-party rights, or these Terms.

Users must provide accurate account information, keep authentication methods secure, and promptly notify info@farona.io of suspected unauthorised access. Accounts may not be sold, transferred, shared publicly, or used to conceal the identity of the actual user.

Google Sign-In may be used where available. The user's relationship with Google is also governed by Google's terms. BFLabs is not responsible for the independent availability or security of a third-party identity provider, except to the extent responsibility cannot be excluded by law.

Farona allows users to submit supported public wallet addresses or transaction hashes and receive an automatically generated informational report. Reports may contain a risk level, indicators, exposure information, address or transaction context, supporting references, and other analytical output.

Farona's output is produced using public blockchain information, internally developed analytical rules and methods, and selected signals from external blockchain-data providers. External information is only one part of the process; the report displayed to the user is Farona's own analytical output.

Supported networks, assets, features, and report elements are those shown in the live application at the time a check is submitted. Availability for one network, token, address type, transaction type, or service category does not imply availability for another.

Farona provides technical blockchain information only. Farona does not provide advice and does not make decisions for users.

Nothing on the website, in the application, in a report, or in support communication constitutes:

• financial, investment, trading, legal, tax, accounting, regulatory, sanctions, AML, KYC, KYB, compliance, security, or risk-management advice;
• a recommendation to send, receive, hold, exchange, accept, reject, freeze, block, recover, return, or report any asset or transaction;
• a recommendation to begin, continue, suspend, or terminate a customer, counterparty, employment, investment, commercial, or contractual relationship;
• an official certification, audit, investigation, legal opinion, sanctions-screening clearance, source-of-funds determination, or statement by a competent authority; or
• a guarantee that a wallet, transaction, asset, source of funds, counterparty, or service is safe, lawful, compliant, legitimate, fraudulent, criminal, sanctioned, or risk-free.

Users must conduct their own investigation, apply their own policies and thresholds, consider the full factual context, and obtain qualified professional advice where appropriate. Farona must not be used as the sole basis for a decision that produces legal or similarly significant effects for another person.

The user understands and accepts that blockchain analysis has material limitations. In particular:

• public addresses are pseudonymous and may not reliably identify a person or entity;
• one address may be controlled by several persons, and one person may control many addresses;
• exchange, custody, smart-contract, bridge, mixer, payment, and pooled addresses may combine activity from unrelated users;
• attribution labels and external risk information may be incomplete, disputed, delayed, changed, or incorrect;
• indirect exposure does not prove knowledge, intent, control, illegality, or wrongdoing;
• a lack of identified risk signals does not prove safety, legitimacy, or compliance;
• risk lists, sanctions information, provider databases, blockchain state, and internal rules can change after a report is generated;
• obfuscation, cross-chain activity, privacy tools, data gaps, unsupported assets, chain reorganisations, and technical errors can affect results; and
• reports may contain false positives, false negatives, missing information, stale information, duplicate signals, or attribution errors.

Accordingly, BFLabs does not warrant that any report is complete, current, error-free, fit for a particular compliance framework, or capable of detecting every relevant risk. The user assumes responsibility for interpreting and acting on the output.

Farona is read-only. BFLabs does not:

• hold, safeguard, receive, transmit, exchange, recover, or control crypto-assets;
• access private keys, seed phrases, passwords, or signing devices;
• initiate, sign, approve, reject, stop, reverse, or guarantee blockchain transactions;
• operate a wallet, exchange, bank account, escrow, or custody service for users; or
• guarantee recovery of stolen, frozen, misdirected, or inaccessible assets.

Users must never send private keys, seed phrases, authentication codes, or unnecessary confidential information to Farona or support.

The user is responsible for the wallet address, transaction hash, network, and other information submitted. The user confirms that the submission and intended use of the report are lawful and that they have a valid legal basis where the information relates to another identifiable person.

The user must independently verify that the correct address, transaction, and network were submitted. Credits may be consumed when a report is generated for a technically valid submission even if the user intended to check a different address or network, unless mandatory law requires otherwise.

The user grants BFLabs a limited, non-exclusive right to process submitted information only as necessary to provide, secure, support, and improve Farona, comply with law, and enforce these Terms, subject to the Privacy Policy.

Users must not use Farona to:

• violate applicable law, sanctions, court orders, regulatory requirements, or third-party rights;
• facilitate fraud, theft, money laundering, terrorist financing, sanctions evasion, market manipulation, harassment, discrimination, or other unlawful conduct;
• make a fully automated decision producing legal or similarly significant effects for a person without an independent lawful basis, appropriate safeguards, and meaningful human assessment where required;
• submit private keys, seed phrases, stolen credentials, authentication codes, malware, or unlawfully obtained confidential data;
• misrepresent a Farona report as an official government finding, legal opinion, audit, certification, or guaranteed clearance;
• remove notices, alter a report in a misleading way, impersonate BFLabs or Farona, or falsely suggest endorsement;
• probe, disrupt, overload, bypass, reverse engineer, scrape, systematically extract, or attempt unauthorised access to the service, except where a restriction is prohibited by mandatory law;
• resell, sublicense, white-label, or commercially redistribute the service or reports without written permission; or
• use multiple accounts, automation, or technical measures to evade limits or payment obligations.

Farona may provide free reports, trial credits, promotional access, or usage limits. Free or promotional access has no cash value, is non-transferable, and may be changed or withdrawn prospectively, subject to mandatory law.

Paid plans and prepaid reports may be purchased in the Farona account. Checkout creates a pending order. The user funds a Farona USD wallet by sending USDT or USDC to their assigned deposit address on an approved network, then pays the order from that wallet (Pay now or automatic settlement when the balance is sufficient).

There is no automatic renewal and no user withdraw of USD wallet balance. Paid access or credits are activated when the order is settled from a sufficient USD wallet balance. Support remains available at info@farona.io for billing questions.

Published pricing is shown at checkout and locked on the pending order. Network fees, bank fees, currency-conversion costs, and taxes are borne as stated at checkout or on the invoice, or, if not stated, by the party charged by the relevant provider. Users are responsible for using the correct payment network and supported assets.

Unless expressly stated otherwise, website information and pricing do not constitute a binding offer. A paid contract is formed when BFLabs sends or confirms an individual offer or order summary and the customer accepts it, including by making the agreed payment where the offer provides for acceptance by payment.

The individual offer, these Terms, the Privacy Policy, and mandatory consumer information form the contract. In the event of a conflict, the individual offer prevails only for the specifically agreed commercial point; mandatory law and the information-only nature of Farona remain unaffected.

If a customer is a consumer within the meaning of German law and concludes a distance contract, the customer generally has a statutory right to withdraw from the contract within 14 days without giving a reason.

The withdrawal period begins on the day the contract is concluded. To exercise the right, the consumer must send a clear statement of the decision to withdraw to:

BFLabs — Farona project

Büchel 12–14

41460 Neuss

Germany

Email: info@farona.io

Phone: +49 155 67607085

The statement may be sent by email. It is sufficient to send it before the withdrawal period expires.

If the consumer expressly requests that a digital service begin during the withdrawal period, the consumer may be required to pay a proportionate amount for service provided before withdrawal where German law permits. For digital content not supplied on a tangible medium, the right of withdrawal may expire before the end of 14 days only if all statutory requirements are met, including the consumer's prior express consent, acknowledgement of the loss of the right, and provision of the legally required confirmation. Mandatory consumer rights remain unaffected.

Except where a statutory withdrawal, warranty, refund, or other mandatory right applies, consumed credits and completed reports are not refundable merely because the user disagrees with the risk level or no risk signal was found.

Model withdrawal form

To BFLabs — Farona project, Büchel 12–14, 41460 Neuss, Germany, info@farona.io:

I/We hereby withdraw from the contract concluded by me/us for the provision of the following Farona service:

Service ordered:

Date ordered:

Name of consumer(s):

Address of consumer(s):

Date:

Signature of consumer(s), only if submitted on paper:

Use of this form is optional. A clear email containing the necessary information is sufficient.

Subject to payment and compliance with these Terms, the user receives a limited, non-exclusive, non-transferable licence to use generated reports for personal purposes or the user's own internal business, due-diligence, security, record-keeping, and decision-support purposes.

The user may share an unaltered report with their professional advisers, auditors, insurers, contractual counterparties, or competent authorities where there is a lawful purpose. The user must preserve material disclaimers and must not present the report as an official determination or as advice from BFLabs.

No right is granted to copy the service, extract databases, train a competing model or product on Farona output, create a competing dataset, resell reports, provide bureau services, remove branding, or white-label output without prior written permission.

BFLabs may maintain, secure, update, correct, suspend, or modify the beta service. Temporary interruptions may occur because of maintenance, security events, provider outages, blockchain-node issues, internet failures, legal requirements, or circumstances outside reasonable control.

Where a paid consumer contract requires continuous provision of a digital service, mandatory statutory requirements concerning conformity, updates, modifications, remedies, and termination remain unaffected. Material changes to paid access will not deprive consumers of mandatory rights.

Users may stop using Farona at any time. Account deletion can be requested at info@farona.io. Individual reports can be deleted within the application where the function is available.

BFLabs may restrict, suspend, or terminate access where reasonably necessary to:

• investigate suspected unlawful use, fraud, abuse, security incidents, or a material breach of these Terms;
• protect users, infrastructure, providers, or third parties;
• comply with law, sanctions, court orders, or authority requests;
• address non-payment; or
• discontinue the beta service.

Where reasonable and legally permitted, the user will be informed and given an opportunity to remedy a remediable breach. Mandatory rights concerning prepaid services, refunds, digital products, and termination remain unaffected.

Farona depends partly on public blockchains and independent third-party infrastructure, identity, hosting, analytics, and blockchain-data providers. These systems are outside BFLabs' complete control and may be unavailable, delayed, changed, incomplete, or inaccurate.

References to third-party names, services, tokens, networks, or labels are descriptive and do not imply affiliation, endorsement, certification, or warranty. Third-party terms may apply when the user independently uses a third-party service.

Nothing in these Terms excludes statutory rights that cannot legally be excluded, including applicable consumer rights concerning digital products. If Farona fails to meet a mandatory contractual requirement, the customer may have statutory remedies.

Subject to those mandatory rights and any express commitment in an individual offer, Farona is provided on an informational, beta, and availability-dependent basis. BFLabs does not assume a guarantee or procurement risk unless expressly stated in writing.

BFLabs has unlimited liability:

• for intent and gross negligence;
• for culpable injury to life, body, or health;
• under the German Product Liability Act where applicable;
• for fraudulently concealed defects;
• under an expressly assumed guarantee; and
• in any other case where liability cannot legally be excluded or limited.

For slight negligence, BFLabs is liable only for breach of an essential contractual obligation whose performance is necessary for proper performance of the contract and on which the user may ordinarily rely. In that case, liability is limited to the damage that was foreseeable and typical when the contract was concluded.

Subject to the preceding rules and mandatory law, BFLabs is not liable for losses caused solely by the user's decision to rely on a report as advice or as a definitive legal, compliance, sanctions, financial, or safety determination; for user input errors; for transactions independently executed by users; for loss of private keys or assets; or for independent changes, failures, or inaccuracies in public blockchains and third-party systems.

The user must take reasonable steps to prevent and mitigate loss, independently verify important information, maintain appropriate records and backups, and use qualified advisers for high-risk decisions.

A business user is solely responsible for its compliance programme, customer or counterparty decisions, legal basis, notices, human review, record keeping, escalation procedures, reporting duties, and the selection and validation of thresholds. Farona is a supporting information tool and is not a replacement for a compliance function or professional judgement.

To the extent permitted by law, a business user will compensate BFLabs for third-party claims and reasonable defence costs caused by the business user's intentional or negligent unlawful use of Farona, misleading redistribution of a report, or material breach of these Terms. This clause does not apply to consumers and does not apply to the extent BFLabs caused the claim.

Personal-data processing is described in the Privacy Policy. The user must use reports and blockchain information in compliance with applicable privacy, employment, anti-discrimination, financial-services, sanctions, and other laws.

BFLabs may update these Terms prospectively to reflect legal changes, security needs, new features, provider changes, or further development of the beta service. The current version and effective date will be published on the website.

Material changes affecting an existing paid contract will be notified reasonably in advance where required. Where consent is legally required, the change will not take effect for the affected contract without consent. Mandatory termination and consumer rights remain unaffected.

German law applies, excluding the United Nations Convention on Contracts for the International Sale of Goods. For consumers, this choice does not deprive them of mandatory protections available under the law of their country of habitual residence.

If the user is a merchant, a legal entity under public law, or a special fund under public law, the courts competent for Neuss, Germany, have exclusive jurisdiction to the extent legally permitted. Statutory rules on jurisdiction apply to consumers.

BFLabs is neither willing nor obliged to participate in dispute-resolution proceedings before a consumer arbitration board.

These Terms are available in English and German and are intended to have the same meaning. If an inconsistency cannot be resolved through interpretation, the German version prevails for users contracting in Germany to the extent permitted by law. Mandatory consumer protections remain unaffected.

If a provision of these Terms is invalid or unenforceable, the remaining provisions remain effective. The invalid provision is replaced only to the extent and in the manner permitted by applicable law. No failure to enforce a provision constitutes a waiver.

Questions about these Terms may be sent to info@farona.io.

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