The following terms and conditions apply to your participation in the SkenderPay ICO:

• By participating in the ICO, you acknowledge that you have read and understood this white paper and agree to be bound by its terms.
  
  
• You represent and warrant that you are not a citizen or resident of a jurisdiction where the ICO is prohibited or restricted.

   

• You acknowledge that the SkenderPay token is not a security and is not being offered in all countries.

   

• You acknowledge that investing in cryptocurrency carries a high level of risk, and you are prepared to assume the risk of losing your entire investment.

   

• You agree to indemnify and hold SkenderPay and its affiliates harmless from any claims, damages, or losses arising from your participation in the ICO.

   

• You understand that the information contained in this white paper is subject to change without notice and that SkenderPay makes no representations or warranties of any kind, express or implied, as to the accuracy, completeness, suitability, or reliability of the information for any purpose.

   

• You agree to be bound by the terms of the SkenderPay privacy policy and understand that your personal information will be collected, used, and protected in accordance with its terms.

   

• You understand that the SkenderPay token is not a security and does not confer any ownership rights or entitle you to any dividends or voting rights.