Terms & Conditions                                                                         Effective Date: July 14, 2026

Welcome to Sama Protocol, an educational platform developed and operated by Pall Network Commerce (Private) Limited.

These Terms & Conditions ("Terms") govern your access to and use of the Sama Protocol website, mobile applications, educational content, and related services.

By accessing or using Sama Protocol, you agree to comply with these Terms. If you do not agree with these Terms, please discontinue use of our services.

1. About Sama Protocol

Sama Protocol is an educational platform that provides learning resources related to:

• Web3

•  Blockchain Technology

•  Artificial Intelligence (AI)

•  Digital Commerce

•  Financial Literacy

•  Digital Security

•  Digital Identity

•  Emerging Technologies

Our services are designed exclusively for educational and informational purposes.

2. Eligibility

To use Sama Protocol, you must:

•  Meet the minimum age required under the laws of your country.

•  Provide accurate information when creating an account.

•  Comply with all applicable laws and regulations.

•  Accept these Terms and our Privacy Policy.

Parents or legal guardians are responsible for supervising younger users where required by applicable law.

3. Educational Purpose

Sama Protocol is intended solely as an educational platform.

Our services do not provide:

•  Financial advice

•  Investment advice

•  Trading recommendations

•  Brokerage services

•  Asset management

•  Cryptocurrency exchange services

•  Financial guarantees

Users are solely responsible for any financial or investment decisions they make outside the platform.

4. Educational Simulations

Certain features may include educational simulations such as:

•  Learning Challenges

•  Educational Mining Simulations

•  Sama Points

•  Learning XP

•  Achievement Badges

•  Leaderboards

These features exist only to enhance learning.

Sama Points and other virtual educational rewards:

•  Have no monetary value.

•  Are not cryptocurrencies or digital assets.

•  Cannot be traded, transferred, sold, or exchanged for money.

•  Do not represent investments, securities, or financial instruments.

5. User Accounts

Users are responsible for:

•  Maintaining the confidentiality of account credentials.

•  Providing accurate account information.

•  Protecting access to their accounts.

•  Promptly reporting unauthorized account activity.

We reserve the right to suspend or terminate accounts involved in fraud, abuse, or violations of these Terms.

6. Acceptable Use

Users agree not to:

•  Violate applicable laws.

•  Misuse the platform.

•  Attempt unauthorized access.

•  Disrupt platform operations.

•  Upload malicious software.

•  Harass or abuse other users.

•  Publish unlawful or harmful content.

•  Impersonate another individual or organization.

•  Circumvent security measures.

•  Exploit platform vulnerabilities.

Respectful participation helps maintain a safe learning environment for everyone.

7. Community Guidelines

Where community features are available, users should:

•  Treat others respectfully.

•  Share constructive educational content.

•  Avoid spam and misinformation.

•  Respect cultural diversity.

•  Protect personal privacy.

•  Follow moderator instructions.

We may remove content or restrict access where community standards are violated.

8. Intellectual Property

Unless otherwise stated, all platform content, including:

•  Logos

•  Branding

•  Educational materials

•  Graphics

•  Illustrations

•  User interface designs

•  Software

•  Documentation

•  Text

•  Videos

•  Learning content

is owned by or licensed to Pall Network Commerce (Private) Limited and is protected under applicable intellectual property laws.

No content may be copied, reproduced, distributed, modified, or commercially used without prior written permission.

9. Third-Party Services

Our platform may integrate trusted third-party services, including:

•  Authentication providers

•  Cloud infrastructure

•  Analytics services

•  Notification services

•  Customer support tools

•  Advertising services

Use of third-party services may also be subject to their own applicable terms and privacy policies.

10. Privacy

Your use of Sama Protocol is also governed by our Privacy Policy.

By using the platform, you acknowledge that information may be collected and processed as described in our Privacy Policy.

11. Service Availability

We continuously work to improve Sama Protocol.

Accordingly, we may:

•  Add new features.

•  Modify existing functionality.

•  Perform maintenance.

•  Update educational content.

•  Improve platform security.

•  Temporarily suspend services for maintenance or technical reasons.

We do not guarantee uninterrupted or error-free availability.

12. Educational Content

We strive to provide accurate, useful, and up-to-date educational information.

However:

•  Educational content may evolve.

•  Technology changes rapidly.

•  Regulations may change.

•  Some information may become outdated over time.

Users are encouraged to verify important information through official and authoritative sources where appropriate.

13. Disclaimer

Sama Protocol provides educational information only.

Nothing on the platform should be interpreted as:

•  Investment advice

•  Legal advice

•  Financial advice

•  Tax advice

•  Professional consulting

Users should seek qualified professional advice before making important financial, legal, or business decisions.

14. Limitation of Liability

To the maximum extent permitted by applicable law, Pall Network Commerce (Private) Limited, its affiliates, directors, officers, employees, and partners shall not be liable for indirect, incidental, consequential, special, or punitive damages arising from the use of Sama Protocol.

Users access and use the platform at their own discretion and responsibility.

15. Suspension and Termination

We may suspend or terminate access where users:

•  Violate these Terms.

•  Engage in fraudulent activity.

•  Abuse platform services.

•  Harm other users.

•  Violate applicable laws.

•  Create security risks.

Termination may occur with or without prior notice where reasonably necessary.

16. Compliance

Sama Protocol is committed to operating responsibly and intends to comply with applicable legal, regulatory, and platform requirements, including where applicable:

•  Google Play Developer Program Policies

•  Google Play User Data Policy

•  Google AdMob Program Policies

•  Applicable consumer protection laws

•  Applicable privacy laws

•  Relevant regulatory requirements within jurisdictions where our services operate

17. Future Services

As the Pall Network ecosystem evolves, Sama Protocol may introduce additional educational features, learning tools, certifications, integrations, and community services.

Any future services will remain subject to these Terms unless separate terms are provided.

18. Changes to These Terms

We may update these Terms periodically to reflect changes in our services, technology, legal obligations, or operational practices.

Updated Terms become effective upon publication with a revised Effective Date.

Continued use of Sama Protocol after updates constitutes acceptance of the revised Terms.

19. Governing Law

These Terms shall be interpreted in accordance with the applicable laws governing Pall Network Commerce (Private) Limited, without prejudice to any mandatory consumer protection rights available under applicable law.

20. Contact Us

If you have questions regarding these Terms & Conditions, please contact the Sama Protocol support team using the official contact information published on our website.

Our Commitment

Sama Protocol is committed to building a trusted educational ecosystem where technology, knowledge, transparency, privacy, and responsible innovation come together.

As part of the broader Pall Network ecosystem developed by Pall Network Commerce (Private) Limited, our goal is to provide a safe, inclusive, and future-ready learning platform that empowers individuals, strengthens communities, and promotes responsible participation in the digital economy.