Effective Date: 26 August 2025
Introduction
These Terms of Use for the “CoinWin” Product (the “Terms”) are a supplemental agreement established by Bittap (the “Platform” or “Bittap”) governing Bittap’s wealth-management and yield products (including, without limitation, flexible/instant products, fixed/locked products, staking, structured products, auto-reinvestment, and others; collectively, the “CoinWin Program” or the “Product”). Unless otherwise specified in these Terms, Bittap’s General User Agreement, Privacy Policy and other applicable rules (collectively, the “Platform Rules”) together with these Terms constitute the complete set of binding terms between the Platform and the user with respect to the Product.
Definitions
1.1 “Digital Assets” means tokens or similar assets that are supported by the Platform and that can be identified, recorded or transferred on the Platform.
1.2 “Subscription” means the act by which a user deposits Digital Assets into the Product in accordance with these Terms.
1.3 “Flexible/Instant” refers to product types that permit redemption in accordance with product rules and whose yields are calculated on a daily basis or at such frequency as announced by the Platform.
1.4 “Fixed/Locked” refers to product types in which assets are locked for a predetermined period to obtain an agreed return; such assets generally may not be redeemed prior to maturity except in accordance with any early-redemption provisions specified by the Product.
1.5 “Annual Percentage Rate (APR) / Expected Return” means the estimated rate or metric displayed on the product page and is not a guarantee of returns or principal preservation.
Product Operation and Sources of Return
2.1 Assets within the CoinWin Program may be deployed in, but are not limited to, the following manners: lending, staking, liquidity provision, structured strategies, and cooperation with third-party asset managers or protocols. Users hereby consent and authorize the Platform, within applicable compliance and risk-control frameworks, to deploy and allocate their assets for the purpose of generating returns.
2.2 APRs or expected returns displayed by the Platform are estimates and are subject to market fluctuations, returns from third-party protocols, fees, redemption circumstances and other factors. Actual returns shall be determined by final allocation results; the Platform does not guarantee any minimum return.
Risk Disclosure
3.1 Participation in the Product involves material risks, including but not limited to: market price volatility, liquidity risk, counterparty default risk, protocol/smart-contract vulnerabilities, system and technical failures, data or human error, regulatory or legal changes, and other force majeure or unforeseeable risks. Except as otherwise required by mandatory law, Bittap shall not be liable for any losses arising from such risks.
3.2 Users should independently assess the risks and decide whether to participate only after fully understanding them. The Platform does not provide tax or investment advice; users should consult qualified professionals regarding tax and compliance obligations and bear their own responsibilities.
Subscriptions, Interest Accrual and Redemptions
4.1 Subscription procedures, minimum and maximum subscription amounts, commencement of interest, interest calculation cycles and distribution frequency shall be governed by the specific product page and published rules. Users must read and accept the applicable product rules prior to subscribing.
4.2 Flexible/instant products typically allow users to apply for redemption at any time, but the effective time of redemption, processing cycles and the determination of that day’s yield shall be as set out in the product rules. Some products may require holdings to meet a minimum holding period to be eligible for the yield of the current period.
4.3 Fixed/locked products are governed by their lock-up terms from the time of subscription; unless an early-redemption mechanism is expressly provided by the product, subscriptions may not be withdrawn prior to maturity. If the Platform permits early redemption, it may deduct part of the accrued returns or charge an early-redemption fee in accordance with the product rules.
Suspension / Cancellation / Termination
5.1 Bittap may at its sole discretion suspend, cancel or terminate the Service or your use of the Service at any time. The circumstances in which Bittap may suspend, cancel or terminate the Service are set out in the Bittap Service Terms. Without prejudice to the foregoing, such circumstances may include, but are not limited to:
Your failure to provide additional information required by Bittap to verify your identity or the source of funds;
Actions taken by Bittap to comply with a court order or any applicable law or regulation;
Compliance with directions or orders issued by government or regulatory authorities;
Bittap’s reasonable determination that any information you provided is false, inaccurate, outdated or incomplete; or your failure to provide additional information requested by us in a timely manner or to provide information satisfactory to the Platform.
Liability
6.1 The Bittap Service Terms set out events that may give rise to loss or liability for users and circumstances under which Bittap disclaims liability. Without prejudice to those terms, such circumstances include but are not limited to:
Inability to use the Service, submit instructions or execute transactions due to failures, delays, interruptions, system non-responsiveness or latency, insufficient liquidity or other abnormal conditions;
Service suspension due to maintenance;
Failure of data transmission;
Force majeure or accidents (such as typhoon, earthquake, tsunami, flood, power outage, war, civil unrest, government action, terrorist attack, epidemic, etc.);
Service interruption or delay caused by hacking, computer viruses, technical adjustments or failures, website upgrades, banking issues, or temporary closures mandated by governmental regulations;
Losses caused by technical issues that are unforeseeable or not currently solvable by existing technology;
Losses arising from third parties;
Losses resulting from changes in applicable laws, regulations or governmental, regulatory or enforcement orders.
You acknowledge and accept that the foregoing and other causes may result in trading anomalies, abnormal market or price volatility, market disruption and other irregularities.
6.2 Bittap reserves the right, in its sole discretion, to refuse to execute or to cancel your instructions.
6.3 To the extent permitted by law, you agree and accept that Bittap shall not be liable for any loss (including, without limitation, direct or indirect loss, actual loss or loss of prospective profits) resulting from the risks described in this Agreement or the Bittap Service Terms.
Technical Disclaimer
7.1 Bittap may from time to time suspend your access to your Bittap account, the Platform, the Service and/or any other Bittap service for scheduled or emergency maintenance. Bittap will use reasonable efforts to process transactions on the Platform promptly, but makes no representation or warranty as to the time required to complete such maintenance.
7.2 While Bittap will use reasonable efforts to keep Platform information up to date, Bittap makes no express or implied representations, warranties or guarantees as to the accuracy, completeness or timeliness of any content on the Platform (including information relating to the Service or other Bittap services).
7.3 You are responsible for obtaining and maintaining any data-network access necessary to use the Service or any other Bittap services, and for procuring, maintaining and updating any compatible hardware or devices required to access and use the Service, any Bittap services or the Bittap Platform (including updates). Bittap does not warrant that any Bittap service or any part thereof will operate on any particular hardware or device. Due to the inherent characteristics of the Internet and electronic communications, Bittap services may experience failures, delays or interruptions.
7.4 Although Bittap implements reasonable security measures to protect your data and transactions, it cannot eliminate the risk of unauthorized access, hacking, data loss or other security incidents. You acknowledge and agree that you assume the risks of any unauthorized access to your account information and any loss of digital assets resulting from such security breaches; upon discovering a security incident, Bittap will take necessary and reasonable measures in accordance with the law and assist affected users.
7.5 The digital-asset sector is rapidly evolving; technological changes may necessitate adjustments to the Service or to the manner in which you interact with the Bittap Platform. Bittap reserves the right, without prior notice, to modify the technologies used, the features provided or the Service requirements in response to technological progress or regulatory developments.
Enforcement Measures
8.1 You agree and accept that Bittap strictly prohibits unfair trading practices. If you engage in any of the following behaviours, Bittap may, at its sole discretion, exercise control over, restrict, suspend or close your account:
Market manipulation, price manipulation, insider trading, market-distorting activities or any other malicious, unlawful or improper conduct;
Any activity that Bittap reasonably considers to be harmful to the market; or
Violation of any applicable law or regulation.
8.2 To eliminate any adverse effect on overall market health, Bittap reserves the right to suspend or terminate your account or your access to the Service and to refuse to execute or to cancel your instructions. Bittap shall not be liable for any losses (including, without limitation, direct or indirect loss, actual loss or loss of prospective profits) arising from the exercise of such measures.
Indemnification
9.1 You shall take all reasonable measures to protect Bittap from any loss arising from your use of the Service or any other acts related to your Bittap account.
9.2 You acknowledge and agree to indemnify, defend and hold harmless Bittap and its affiliates and partners (including, without limitation, Bittap’s agents, shareholders, directors, officers and employees; hereinafter collectively the “Indemnified Parties”) from and against any and all claims, losses, liabilities, damages, judgments, fines, penalties, costs and expenses (including reasonable professional and legal fees) arising out of or relating to your use of the Service or any other matters described in the Bittap Service Terms.
Miscellaneous
10.1 This Agreement also incorporates such technical specifications, operational guidelines, product documentation or other related materials that Bittap may publish from time to time. Such materials, once published, shall form an integral part of this Agreement and you shall comply with them. In the event of any inconsistency between such materials and this Agreement, this Agreement shall prevail.
10.2 Bittap reserves the unilateral right to modify or amend this Agreement or any terms applicable to the Service at any time. Such changes may be made without prior notice. Updated versions shall become effective upon publication or notification by the Platform. Please review the Platform for the latest version; your continued use of or access to the Service after publication of changes will constitute your acceptance of such changes. If you do not accept the revised terms, you should cease using the Service.
10.3 You should read this Agreement carefully along with the materials referred to in clauses 10.1 and 10.2 and the Bittap Service Terms. In the event of any inconsistency between the English version of this Agreement and any translation, the Platform’s published English version shall prevail.
10.4 If any provision of this Agreement is held to be invalid, illegal or unenforceable in any jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid, legal and enforceable under applicable law; if modification is not possible, the provision shall be severed in that jurisdiction without affecting the validity, legality or enforceability of the remaining provisions or of that provision in any other jurisdiction.
10.5 The failure or delay by Bittap to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision.
Platform Warranties and Limitation of Liability
11.1 Except as otherwise required by mandatory law, the Platform makes no express or implied warranties regarding returns or the preservation of principal for the Product.
11.2 If losses arise from Bittap’s willful misconduct or gross negligence, Bittap’s liability shall be limited to the actual amount invested by the user in the Product; where applicable law mandates otherwise, such law shall prevail.
11.3 The Platform shall not be liable for indirect, consequential or lost-profit damages arising from force majeure, third-party defaults, system or network failures, hacking or other causes beyond the Platform’s reasonable control.
Taxes
12.1 Users are solely responsible for all tax reporting and payment obligations arising from their use of the Product. The Platform may provide authorities with tax-related information as required by law or regulation but does not assume users’ tax liabilities.
Intellectual Property
13.1 All trademarks, logos, documentation and related content used by the Platform are the intellectual property of Bittap or its licensors and may not be used without written permission.
Privacy and Use of Information
14.1 The Platform’s collection, use and disclosure of personal data will be subject to the Platform Privacy Policy and applicable law. The Platform may collect and process information necessary to provide the Product.
Amendments, Termination and Consequences
15.1 The Platform reserves the right to amend these Terms at any time. Revised versions shall take effect upon publication or notification by the Platform. Continued use of the Product after amendments shall constitute acceptance of the amendments.
15.2 The Platform may terminate or withdraw the Product or any of its features for risk-control, compliance or operational reasons. In the event of termination, asset disposition shall be carried out in accordance with the product rules or published notices, and the Platform will endeavour to protect users’ interests where practicable.
Governing Law and Dispute Resolution
16.1 The interpretation, performance and disputes arising under these Terms shall be governed by and construed in accordance with the laws of the British Virgin Islands (“BVI”), unless the Platform announces otherwise.
16.2 In the event of any dispute, the parties shall first attempt amicable settlement. If settlement is not reached, the parties agree to submit the dispute to arbitration administered by the BVI International Arbitration Centre (“BVI IAC”) under its rules in force at the time of submission. The seat of arbitration shall be in the British Virgin Islands (Tortola or such place as designated by BVI IAC), proceedings shall be conducted in English, and the arbitral award shall be final and binding and enforceable in any court of competent jurisdiction. The number of arbitrators, appointment procedure and other procedural details shall follow the BVI IAC rules unless otherwise agreed by the parties.
Final Provisions
17.1 If any provision of these Terms is found to be invalid or unenforceable by a court or arbitral tribunal of competent jurisdiction, such invalidity or unenforceability shall not affect the validity of the remaining provisions.
17.2 In the event of any inconsistency between any English version and any other language version of these Terms, the Platform’s published version shall prevail.