This is an Agreement between you and PT Enkripsi Teknologi Handal (“NOBI”). References to “NOBI”, “we”, “our” or “us” are to NOBI and references to “you” or “your” are to the person with whom NOBI enters into this Agreement with.

The following terms and conditions of service apply to users of our application. By creating an account on the Platform or by using any of the Services, you acknowledge that you have read, understand, and completely agree to these Terms of Service in effect from time to time. If you disagree with these Terms of Service or with any subsequent amendments, changes, or updates, you may not use any of the Services.

The use of the Platform and any Services is void where prohibited by applicable law.

• Applicable Law means any law, statute, regulation, ordinance, treaty, guideline, policy, and act issued by any governmental or regulatory authority, including but not limited to the governing law of the Republic of Indonesia.

• Business Day(s) means any day(s) when banking institutions in the relevant jurisdiction are open for normal business activities, which exclude Saturday, Sunday, and/or public holidays enforced in the relevant jurisdiction.

• Crypto Asset means any crypto assets, namely stable coins and tokenized assets, accepted and supported by NOBI, subject to revision, prohibitions, and limitations at any time.

• Intellectual Property means any intellectual and industrial property right owned by NOBI, namely trademarks, logos, copyrights, and related rights, know-how, research, publications, agreements, trade and company names, etc.

• NOBI Account means a personal account opened with NOBI, through which the user may use the NOBI Earn services.

• NOBI Earn means a product offered by NOBI which allows the user to earn rewards or interest on his/ her Crypto Assets available in the Savings Wallet of the user’s NOBI Account.

• Personal Data means any data containing information about an individual which may be identified on itself or combined with other information, directly or indirectly, through electronic or non-electronic systems.

• Total Asset means the total amount of all the Crypto Assets in the user’s NOBI Account.

• Savings Wallet means a digital wallet in the user’s NOBI Account consisting of all the Crypto Assets owned by the user.

• Transaction History means the history of the user’s transactions and all the details of Crypto Assets in the user’s NOBI Account.

1. HNST CLUB means the Loyalty Program available in the NOBI application for each NOBI user is categorized based on HNST ownership. Users will get benefits based on the level of the category achieved.
2. Distribution Channels include Staking and DeFi, among other methods.

NOBI provides an online service (the “Platform”) that allows users to:

1. Buy and sell Crypto Assets (Trade)
2. Earn rewards on certain Crypto Assets available in the Savings Wallet of your Nobi Account (NOBI Earn).  

By accessing or using the Platform, you represent and warrant that you are at least 17 years old and have not previously been suspended or removed from the Platform.

You also warrant that you are not in any list of trade or economic sanctions, such as the UN Security Council Sanctions List. In addition, NOBI may not provide this service in all countries or regions and may provide some or no services to users in restricted areas, including but not limited to Cuba, Iran, North Korea, Syria, Sudan, Bangladesh, Bolivia, Ecuador and Kyrgyzstan.  NOBI may add other countries to the Restricted Areas list in the future without prior notice.

The contents of this agreement are not subject to the user’s national or regional laws of exclusion. Therefore, if you do not meet these requirements, please do not use our services.

Finally, you represent and warrant that you will not be using this Platform for any illegal activity, including but not limited to illegal gambling, money laundering, fraud, blackmail, extortion, ransoming data or the financing of terrorism, or other violent activities.

NOBI offers multiple online services that can be accessed through multiple channels, including but not limited to: NOBI Android application, NOBI iPhone / iPad application, usenobi.com website, honestmining.com website, and other business services. 

NOBI supports multiple Crypto Assets powered by blockchain technology which covers Trade and EARN.. 

NOBI platform consists of sophisticated software with multiple interfaces that interact with both internal & external technical systems. It is fully owned & developed by NOBI to enable not only fast crypto trading experience, but also automated execution of Crypto Trading Strategies on multiple crypto trading platforms. 

The platform operates 24/7/365 unless certain conditions occur, which include but not limited to: wallet maintenance, blockchain fork, scheduled maintenance, unscheduled maintenance due to unforeseeable technical / network / other issues.

TRADE

Trade is a service where users can instantly buy Crypto Assets using a currency (such as Indonesian Rupiah), or sell Crypto Assets to a currency in partnership with crypto exchange partners. NOBI allows deposit and withdrawal using currency such as Indonesian Rupiah to facilitate this service in partnership with the payment gateway system.

AUTOBUY

Set up recurring buys of crypto with Auto-Buy Plan. Create your own Plan on a daily, weekly, bi-weekly, or monthly basis. Make sure your IDR balance is ready and let us buy crypto for you. We will inform you if your balance is not enough, as 3x failed Auto-Buy attempts will deactivate your plan.

NOBI EARN

NOBI Earn is a service where users can earn rewards by holding Crypto Assets for a period of time. The rewards come from NOBI operating with the Distribution Channels on behalf of the user.

In order to access and use the Services, you must create an account with NOBI (an “Account”). You agree to:

1. Provide accurate, current and complete information when creating the Account in compliance with AML Policy;
2. Maintain and promptly update your Account information to keep it accurate, complete, and current;
3. Maintain the security and confidentiality of your login credentials and restrict access to your Account and your computer, tablet, or mobile device;
4. Promptly notify NOBI if you discover or otherwise suspect any security breaches related to the Platform or your Account
5. Take responsibility for all activities that occur under your Account and accept all risks of unauthorized access.

Under no circumstance allow any person other than yourself to use the Services through your Account and make sure that you are the sole legal and beneficial owner of all Crypto Assets deposited into or linked with your Account.

You must provide NOBI with a valid email address to create an Account. You agree to keep your email address on file with us updated. You understand and agree that if NOBI sends you an electronic communication but you do not receive it because your email address on file is incorrect or out of date, or because our email is blocked by your service provider or intercepted by your spam filter, or you are otherwise unable to receive electronic communications, NOBI will be deemed to have provided the communication to you regardless.

In order to fund your Account and begin using our services, you will need to first procure Crypto Assets. You can either procure your Crypto Assets from elsewhere or buy it directly using the NOBI application.

If you procure it from elsewhere, you must send Crypto Assets to the address provided by NOBI and wait for the balance to appear in your

Account. It is your responsibility to ensure you send Crypto Assets to the correct address provided for that particular Crypto Assets, else your funds may never be recovered. NOBI makes no representations or warranties regarding the amount of time that may be required to complete the transfer of your Crypto Assets from a third party wallet or other source and have such Crypto Assets become available in your Account.

When you elect to transfer Crypto Assets from your Account to a third party wallet or other location, it is always possible the party administering the new location may reject your transfer or that the transfer may fail due to technical or other issues affecting our platform. You agree that you shall not hold NOBI liable for any damages arising from a rejected transfer.

NOBI reserves the right to limit the number of Accounts that any User or such User’s affiliates can open or hold.

Notwithstanding the foregoing, NOBI may not make the Services, in whole or in part, available in every market, either in its sole discretion or due to legal or regulatory requirements, depending on the User’s location.

While NOBI will take commercially reasonable efforts to safeguard the privacy of the information you provide to NOBI and will treat such information in accordance with NOBI’s Privacy Policy, in no event will the information you provide to NOBI be deemed to be confidential, create any fiduciary obligations for NOBI, or result in any liability for NOBI  in the event that such information is negligently released by NOBI or accessed by third parties without NOBI’s consent.

NOBI is subject to the Law on financial crimes, including but not limited to the Law on Money Laundering and the Law on Prevention of the Financing of Terrorism in force in Indonesia and internationally.

You hereby agree to provide all information requested by NOBI to comply with statutory provisions including but not limited to giving your name, address, age, gender, personal identity information, income, occupation, assets, debts, source of wealth, destination. NOBI Account opening, investment objectives, any financial plans or other related financial information from you. If necessary, you also agree to provide NOBI with up-to-date data on such information.

NOBI is obligated to comply with all legal requirements and requests by government agencies in different jurisdictions, relating to the prevention of financing for, inter alia, terrorists and sanctioned parties. This may cause NOBI to prevent and investigate any payment orders and other information or communications sent to or by you, or on your behalf through the NOBI system. This process may also involve NOBI conducting further investigations to determine whether the name appearing in any transaction made or to be carried out by you through your account is on the list of terrorists and other crimes.

NOBI is authorized to monitor your account in the context of preventing criminal acts regulated by law.

In the event of a suspicious transaction made through the NOBI service, NOBI has the right to terminate or block your NOBI Account and block transaction funds and delay the transaction to you, until notification from NOBI.

If it is proven that the suspicious transaction is a transaction that violates the terms of service and/or applicable laws and regulations, then you hereby authorize NOBI to debit crypto assets to the NOBI digital wallet to compensate NOBI losses arising from the transaction, without prejudice to the right to claim for compensation for all losses arising from the transaction and you hereby agree that NOBI is not obliged to return funds that have been delayed by NOBI or blocked funds as referred to in the provisions regarding this suspicious transaction.

NOBI provides an execution-only service and does not advise on the merits of any particular transactions or their tax consequences. As a general matter, Users should be aware of the following prior to utilizing our services.

Crypto assets can be extremely risky. There are factors beyond NOBI’s control, such as regulatory activity, market manipulation, crypto development team changes and price volatility. Each Crypto Asset has a different feature, team and development strategy that makes its value continue to fluctuate. Blockchain networks may also go offline as a result of bugs, hard forks, or a number of other unforeseeable reasons.

Understanding Crypto Assets requires advanced technical knowledge. Crypto Assets are often described in exceedingly technical language that requires a comprehensive understanding of applied cryptography and computer science in order to appreciate inherent risks. Listing of assets on NOBI does not indicate approval or disapproval of the underlying technology regarding any Crypto Assets, and should not be used as a substitute for your own understanding of the risks specific to each Token. We give you no warranty as to the suitability of the Crypto Assets traded under these Terms and assume no fiduciary duty in our relations with you.

NOBI does not assume the risk of losses due to trading or due to factors beyond its control regarding the viability of specific blockchain networks. As a general matter, we advise Users with limited trading experience and low-risk tolerance not to engage in active trading. Speculating on the value of Crypto Assets is high risk and Users should never trade more than they can afford to lose.

You accept the risk of trading & investing in Crypto Assets. In entering into any transaction on the Platform, you represent that you have been, are, and will be solely responsible for making your own independent appraisal and investigations into the risks of the transaction and the underlying Crypto Assets. You represent that you have sufficient knowledge, market sophistication, professional advice and experience to make your own evaluation of the merits and risks of any transaction or any underlying Crypto Assets.

You are responsible for complying with applicable law. You agree that NOBI is not responsible for determining whether or which laws may apply to your transactions, including tax law. You are solely responsible for reporting and paying any taxes arising from your use of the Services.

You are aware of and accept the risk of operational challenges. NOBI may experience sophisticated cyber attacks, unexpected surges in activity, or other operational or technical difficulties that may cause interruptions in the Service. You understand that the Service may experience operational issues that lead to delays on the Platform. You agree to accept the risk of transaction failure resulting from unanticipated or heightened technical difficulties, including those resulting from sophisticated attacks. You agree not to hold NOBI accountable for any related losses.

NOBI does not advise on trading risk. If at any point NOBI or its representatives do provide trading recommendations, market commentary, or any other information, the act of doing so is incidental to your relationship with us and imposes no obligation of truth or due diligence on behalf of NOBI or its representatives.

NOBI  is a regulated entity and must comply with applicable law. Applicable law, regulation, and executive orders may require NOBI  to, upon request by government agencies, freeze withdrawals or trading (or both), or provide information regarding your

account. Further, our recordkeeping and customer verification procedures are subject to change at any time as required by law or industry practices. We must comply with the law and you accept any inconveniences to you or other consequences resulting from our compliance.

Users accept all consequences of sending Crypto assets to an address of our platform. Crypto assets transactions that happen through a blockchain network are not reversible. Once you send Crypto Assets to an address, you accept the risk that you may lose access to your Crypto Assets indefinitely. For example, an address may have been entered incorrectly and the true owner of the address may never be discovered, or an address may belong to an entity that will not return your Crypto Assets, or an address belongs to an entity that may return your Crypto Assets but first requires action on your part, such as verification of your identity.

Crypto Asset Trading is a high-risk activity. This is because the value of Crypto Assets can change, either increasing or decreasing, significantly from time to time. NOBI does not provide any guarantee and is not responsible for the exchange rates of Crypto Assets. For the avoidance of doubt, risks resulting from buying, selling, holding, investing in any Crypto Asset are not the responsibility of NOBI but are your responsibility.

You agree that: 

1. All rights, title and interest in the Services and related software, websites and technology, including all intellectual property rights, are NOBI;
2. The rights or interests of the Service shall not be transferred except with the limited license granted by this License;
3. The Service is protected by copyright and other intellectual property laws. NOBI reserves all rights not expressly granted under these Terms.
4. The Platform has the right to inquire, freeze or deduct the items and accounts of the user in the account according to the requirements of the judicial organs, administrative organs and military organs including, but not limited to, public security organs, procuratorial organs, courts, customs and tax authorities;
5. The user has the right to modify the individual account of the editable information;

If the user has any objection to the amendment to this agreement or is dissatisfied with the services of NOBI, the following rights may be exercised:

1. To stop using NOBI application;
2. Inform the NOBI network to stop its services through official customer service and other channels.. After the end of the service, the user’s right to use NOBI immediately terminates. In this case, NOBI is under no obligation to transmit any unprocessed information or unfinished service to the user or any third party that is not directly related.

In connection with your use of the Services, you will not:

• Violate or assist any party in violating any law, statute, ordinance, regulation or any rule of any self-regulatory or similar organization of which you are or are required to be a member through your use of the Services;
• Endangers Republic of Indonesia’s national security, disclosure of Republic of Indonesia’s state secrets, shall not violate the Republic of Indonesia national community and the legitimate rights and interests of citizens;

• Provide false, inaccurate, incomplete or misleading information;

• Infringe upon NOBI’s or any third party’s copyright, patent, trademark, or intellectual property rights;

• Distribute unsolicited or unauthorized advertising or promotional material, any junk mail, spam, or chain letters;
• Use a web crawler or similar technique to access our Services or to extract data;
• Reverse engineer or disassemble any aspect of the Platform or Services in an effort to access any source code, underlying ideas and concepts, and algorithms;
• Take any action that imposes an unreasonable or disproportionately large load on our infrastructure, or detrimentally interfere with, intercept, or expropriate any system, data, or information; 
• Transmit or upload any material to the Platform that contains viruses, Trojan horses, worms, or any other harmful or deleterious programs; 
• Attempt to gain unauthorized access to the Platform, other NOBI Accounts, computer systems or networks connected to the Platform, through password mining or any other means; or
• Transfer any rights or obligations granted to you under these Terms.

While the Account and the Services provided to a User are not transferable under any circumstance and shall be used only by the User, NOBI shall have the right to transfer, assignor sell all the rights, benefits, or obligations to any person and these Terms shall continue to be in force and effect for the benefit of the successors and assigns of NOBI or its lenders, if any.

Transaction fees in the NOBI Application can be viewed periodically and can change at any time based on NOBI’s policy.

NOBI applies the principles of Anti-Money Laundering and Counter Financing of Terrorism (AML-CFT) in accordance with applicable laws and regulations where NOBI can suspend withdrawals if it is judged that there is an indication of a violation committed by you.

NOBI may:

1. Suspend or terminate your access to the Services, and
2. Deactivate or cancel your Account as required by a valid subpoena or court order, or if NOBI suspects you or others of using your Account in furtherance of illegal activity.

You will be permitted to transfer Crypto Assets associated with your Account for ninety (90) days after Account deactivation or cancellation unless such transfer is otherwise prohibited under the law, or by a valid subpoena or court order.

If any Earn and/or Autobuy is in a pending / running state at the time your Acacount is canceled or suspended, your Earn and/or Autobuy may be canceled and/or refunded as appropriate.

Upon cancellation of your Account, you authorize NOBI to cancel or suspend pending transactions and, after providing electronic notice to you, return the Crypto Assets associated with such transactions to the wallet address you provide to NOBI. In the event that you or NOBI terminate this agreement or your access to the Services, or deactivates or cancels your Account, you will remain liable for all amounts due hereunder.

You may not cancel your Account if NOBI believes in its sole discretion that such cancellation is being performed in an effort to evade an investigation or avoid paying any amounts otherwise due to NOBI.

In the event that a technical problem causes system outage or Account errors, NOBI may temporarily suspend access to your Account until the problem is resolved.

You hereby certify to us that any Crypto Assets used by you in connection with the Platform are either owned by you or that you are validly authorized to carry out transactions using such Crypto Assets, and that all transactions initiated with your Account are for your own Account and not on behalf of any other person or entity.

You agree to indemnify NOBI and its affiliates and service providers and their respective officers, directors, agents, joint ventures, employees and representatives, harmless from all third party claims, unless it is a separate violation of these Terms by NOBI. Likewise, in addition to your separate breach of these terms, NOBI should indemnify you and your affiliates and service providers and their respective officers, directors, agents, joint ventures, employees and representatives from all third parties’ Claims for losses.

NOBI does not guarantee that the service will not be interrupted, the timeliness and the security of service are not guaranteed. 

NOBI does not guarantee that the information and services on the platform can fully meet the needs of users. NOBI assumes no liability for errors, insult, defamation, omission, obscenity, pornography, or blasphemy that may occur during the acceptance of the NOBI service.

NOBI is not responsible for the preservation, modification, deletion or storage of information posted by the user and holds no responsibility for typographical errors, negligence, etc. caused by NOBI unintentionally.

NOBI reserves the right to remove all information on the Platform that does not comply with the law or agreement, and reserves the right not to notify the user.

User comments posted by all users of NOBI represent the user’s personal opinion only and do not imply that NOBI agrees with its view or confirms its description. NOBI does not assume any liability arising from user comments.

NOBI will send a formal announcement, email, customer service phone, SMS, push notification or regular mail delivery to users. NOBI is not liable for any activities or information such as winning, offers and others from non-NOBI formal channels.

NOBI reserves the right to decide the termination of the free promotion period according to the market conditions, such as prepaid, cash withdrawal and transaction fees.

PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS.

You and NOBI agree to arbitrate any dispute arising out of or in connection with this Service, unless you and NOBI do not require arbitration, either party seeks compensation or other relief for the illegal use of copyright, trademark, trade name, logo, trade secret or patent dispute. Arbitration takes precedence over court proceedings or jury trials. You and NOBI agree that you will notify each other within thirty days of any dispute, and you will attempt to resolve the dispute before submitting any arbitration request.

Any arbitration will occur in the Republic of Indonesia  and will be in the Indonesia language. The arbitration will be conducted confidentially by a single arbitrator appointed in accordance with the Indonesia law.

Arbitration Act, which is hereby incorporated by reference. The courts of competent jurisdiction located in the Republic of Indonesia will have exclusive jurisdiction over any appeals and the enforcement of an arbitration decision or award.

Subject to the Republic of Indonesia Arbitration Act and these Terms, the arbitrator will have the exclusive authority and jurisdiction to make all procedural and substantive decisions regarding a Dispute, including the determination of whether a Dispute is arbitral, and The authority to grant any remedy that would otherwise be available in court, provided, however, that the arbitrator does not have the authority to conduct a class arbitration or a representative or class action, which is expressly prohibited by these Terms.

You will not participate in any class action or collective arbitration in respect of any claim covered by this clause. If NOBI is a party to the action, you also agree not to participate in a claim made by a private lawyer or representative, or a common claim involving another person. If it is found that the prohibition of the class action and other claims brought by the third party is not enforceable, the prohibition is deemed to have been removed from the clause and the other articles relating to the arbitration shall continue in force.

Force Majeure are events that occur beyond the ability and power of NOBI so as to affect the implementation of transactions, including but not limited to:

1. Earthquakes, hurricanes, floods, landslides, volcanic eruptions and other acts of nature;
2. War, demonstrations, riots, civil unrest or intervention of any governmental authority, terrorism, sabotage, embargoes,  strikes and labor disputes;
3. Economic and others policies from the government that directly affect; and
4. Blockchain malfunction, blockchain forking, blockchain breakdown or abandonment of the applicable cryptocurrency protocol or network, and  blockchain software bug 

As long as NOBI has carried out all of its obligations in accordance with the applicable laws and regulations in connection with the occurrence of the Force Majeure Event, NOBI will not provide compensation and/or liability in any form to you or any other party for any risks, responsibilities and demands. may arise that may arise in connection with the delay or non-performance of obligations due to Force Majeure

You agree that these Terms, NOBI’s Privacy Policy, and other notices posted through the Services have been drafted in English. Although translations in other languages of any of the foregoing documents may be available, such translations may not be up to date or complete. Accordingly, you agree that in the event of any conflict between the English language version of the foregoing documents and any other translations thereto, the English language version of such documents shall govern.

If you have any feedback, complaints or questions, please contact our customer service at:

1. Email – support@usenobi.com 
2. Telegram – @NOBIHelp_Bot
3. Help Desk  https://help.usenobi.com 

When you reach us, please provide your full name and email address and other information that we may need to identify you, as well as the transaction information you wish to discuss.

1. I (as user/end-user) will use PT Privy Identitas Digital services including but not limited to electronic certificate issuance provided by PT Privy Identitas Digital.
2. PT Verihubs Inteligensia Nusantara works with PT Privy Identitas Digital as a certified Electronic Signature Provider and Electronic Certification Authority which is rooted at the Ministry of Communication and Informatics of the Republic of Indonesia under the brand name of Privy.
3. PT Verihubs Inteligensia Nusantara works with PT Privy Identitas Digital as a certified Electronic Signature Provider and Electronic Certification Authority which is rooted at the Ministry of Communication and Informatics of the Republic of Indonesia under the brand name of Privy.
4. I will grant authority to KLIEN to pass my KTP, selfie, phone number and email address data as registration data to PT Verihubs Inteligensia Nusantara and PT Privy Identitas Digital to fulfil the terms of Applicable Law which is Government Regulation No. 71 of 2019 on the Organization of Electronic System and Transaction, and Ministry of Communication and Informatics Regulation No. 11 of 2018 on the Organization of Electronic Certification.
5. I hereby acknowledge agree to be bound to the terms and conditions of Privy services provided in the following link: Privacy Policy and Terms of Use.