Last Updated: December 25, 2025

1. Acceptance of These Terms

1.1 Regulatory Disclosure (Singapore)

RISE is not licensed, approved, registered, or regulated by the Monetary Authority of Singapore (“MAS”) under the Payment Services Act 2019 or the Securities and Futures Act 2001. Your Digital Assets are not protected by the Singapore Deposit Insurance Scheme. You are advised to read these Terms carefully and consult your own legal, tax, and financial advisors.

1.2 Binding Agreement

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User”, “you”) and RISE [ RISE Pte. Ltd.] (a company incorporated in Singapore, together with its subsidiaries and affiliates, “RISE”, “we”, “our”, or “us”). By downloading, accessing, or using the RISE website, mobile application (“App”), or related services (collectively, the “Services”), you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

1.3 Definitions

For purposes of these Terms:

1.4 Electronic Communications and Signatures

You consent to receive electronic communications. To the maximum extent permitted by applicable law, you agree to the use of electronic signatures and records.

1.5 Privacy Policy

Your use of the Services is subject to our Privacy Policy.

2. Use of RISE Services

2.1 Eligibility and Compliance

You must be at least 18 years old (or the age of majority where you live) and have full legal capacity to enter into these Terms. You represent and warrant that you are not a Restricted Person and that your use of the Services will not violate any applicable law (including sanctions, AML/CFT, and export controls). We may restrict or deny access based on geolocation, compliance checks, or Third-Party Provider requirements.

2.2 Non-Custodial Services and Wallet Security