Disclaimer

Last updated: February 18, 2026

1. No Financial Advice

Nothing in this App constitutes financial advice, investment advice, trading advice, or any other form of professional advice. The App is a calculator and reference tool only. Always consult with a qualified financial professional before making any financial decisions.

2. Data Accuracy Disclaimer

Exchange rates and cryptocurrency prices displayed in the App:

• Are sourced from third-party providers over which we have no control
• May be delayed, inaccurate, incomplete, or outdated
• May differ significantly from rates available at banks, exchanges, or other financial institutions
• Should not be used as the sole basis for any financial transaction
• Are subject to rapid and unpredictable changes, especially for cryptocurrencies

We make no warranties or representations about the accuracy, reliability, completeness, or timeliness of any exchange rate data displayed in the App.

3. Third-Party Data Sources

The App retrieves data from multiple independent third-party sources, including the European Central Bank (via Frankfurter API), ExchangeRate-API, Open Exchange Rates, CoinGecko, and Binance public market data streams. We are not affiliated with, endorsed by, or partnered with any of these providers. Their data is subject to their own terms of service and accuracy limitations.

4. Not a Financial Service

MUSD does not:

• Execute, facilitate, or intermediate any currency exchange or trading transactions
• Hold, transfer, or process any money, cryptocurrency, or financial instruments
• Provide any licensed financial, banking, or money transmission services
• Act as a broker, dealer, agent, or intermediary for any financial transactions

5. Service Fee Calculator Disclaimer

The service fee calculator is a generic mathematical tool that performs arithmetic operations based on user inputs. It is comparable to a spreadsheet or standard calculator. It:

• Does not recommend any specific service fee rates or business practices
• Does not facilitate any financial transactions
• Is provided for calculation convenience only
• Users are solely responsible for ensuring their activities comply with all applicable laws

6. Cryptocurrency Disclaimer

Cryptocurrency markets are highly volatile and speculative. Prices can fluctuate dramatically within short periods. The cryptocurrency information displayed in this App:

• Is for reference only and should not be used for trading decisions
• May not reflect the actual price at which you can buy or sell cryptocurrencies
• Does not constitute a recommendation to buy, sell, or hold any cryptocurrency

Cryptocurrency trading carries significant risk and may not be legal in all jurisdictions. It is your responsibility to understand and comply with the laws applicable in your region.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QIAOZHI LIN AND MUSD SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR USE OF OR INABILITY TO USE THE APP
• ANY INACCURACY IN EXCHANGE RATE OR PRICE DATA
• ANY FINANCIAL DECISIONS MADE BASED ON DATA FROM THE APP
• UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR LOCAL DATA
• ANY OTHER MATTER RELATING TO THE APP

8. Indemnification

You agree to indemnify and hold harmless QIAOZHI LIN from any claims, damages, losses, or expenses arising from your use of the App or violation of these terms.

9. Jurisdictional Notice

The availability and legality of currency exchange and cryptocurrency activities vary by jurisdiction. This App does not encourage or facilitate any activity that may be illegal in your jurisdiction. Users are solely responsible for ensuring their use of this App complies with all applicable local, state, national, and international laws and regulations.

10. Contact

For any concerns or questions regarding this disclaimer:

• Developer: QIAOZHI LIN
• Email: admin098+musdappprivacy@gmail.com