Welcome to the Polkadot Scheme Inc. website. The following Terms of Service (the “Terms”) govern your access to and use of polkadotscheme.com(the “Online Platform”). Certain sections of the Terms govern your user, borrower and other accounts (your “polkadotscheme Account”) accessed via the Online Platform. Additional terms incorporated into and made a part of these Terms govern specific services we or our affiliates may provide to you, such as crypto interest accounts, non-interest-bearing crypto custody accounts, cryptocurrency trading, and credit card rewards. All use of the Online Platform and your Luvatamining Account is subject to the Terms. By applying for a BlockFi Account or using the Online Platform, you acknowledge that you have read, understood and agree to comply with the Terms. If you do not agree with anything contained in the Terms, please do not submit information to, access information from, or otherwise utilize the Online Platform. In the Terms, users of this Online Platform and holders of BlockFi Accounts, including owners, employees, agents and affiliates of any business, corporation, partnership or other entity that is a user, borrower or investor, are sometimes referred to in the Terms as “you” or “your.” The operator of the Online Platform, Polkadot Scheme Inc, a Group Company of is referred to as “Polkadotscheme,” “we,” “us” or “our” in the Terms. Together, you and we may be referred to as “Parties.”

Modifications to the Terms of Service

Polkadotscheme reserves the right to make changes to the Terms at any time. It is your responsibility to review the Terms from time to time to see if modifications have been made. Your continued use of the Online Platform after any modification of the Terms will conclusively indicate that you accept those changes. Notwithstanding the above, we will seek your consent to future modifications to the Terms to the extent we are required to do so by law.