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Token Disclaimer

Important Notice

This Token Disclaimer ("Disclaimer") applies to the HealthCoin Lifestyle token (HCL) and all related materials, documentation, and communications. By purchasing, holding, or using HCL tokens, you acknowledge and agree to the terms set forth in this Disclaimer.

Last Updated: November 24, 2025

Not Financial Advice

The information provided about HCL tokens does not constitute financial, investment, trading, or any other type of advice. HealthCoin Lifestyle does not provide personalized investment recommendations. You should consult with qualified financial, legal, and tax professionals before making any investment decisions.

All content, materials, and statements made about HCL tokens are for informational purposes only and should not be relied upon as the basis for any investment decision.

Investment Risks

Purchasing and holding HCL tokens involves significant risks, including but not limited to:

  • Price Volatility: The value of HCL tokens may fluctuate dramatically and unpredictably. You may lose some or all of your investment.

  • Regulatory Risk: Cryptocurrency regulations vary by jurisdiction and may change. Regulatory actions could negatively impact the value or utility of HCL tokens.

  • Technology Risk: Smart contracts, blockchain technology, and digital wallets involve technical risks including bugs, hacks, and system failures.

  • Liquidity Risk: There is no guarantee that you will be able to sell or trade your HCL tokens at any particular time or price.

  • Project Risk: The HealthCoin Lifestyle project may not achieve its stated goals or may fail entirely, resulting in loss of token value.

  • Market Risk: Broader cryptocurrency market conditions can significantly impact HCL token value.

Purchasing and holding HCL tokens involves significant risks, including but not limited to:

  • Price Volatility: The value of HCL tokens may fluctuate dramatically and unpredictably. You may lose some or all of your investment.

  • Regulatory Risk: Cryptocurrency regulations vary by jurisdiction and may change. Regulatory actions could negatively impact the value or utility of HCL tokens.

  • Technology Risk: Smart contracts, blockchain technology, and digital wallets involve technical risks including bugs, hacks, and system failures.

  • Liquidity Risk: There is no guarantee that you will be able to sell or trade your HCL tokens at any particular time or price.

  • Project Risk: The HealthCoin Lifestyle project may not achieve its stated goals or may fail entirely, resulting in loss of token value.

  • Market Risk: Broader cryptocurrency market conditions can significantly impact HCL token value.

Purchasing and holding HCL tokens involves significant risks, including but not limited to:

  • Price Volatility: The value of HCL tokens may fluctuate dramatically and unpredictably. You may lose some or all of your investment.

  • Regulatory Risk: Cryptocurrency regulations vary by jurisdiction and may change. Regulatory actions could negatively impact the value or utility of HCL tokens.

  • Technology Risk: Smart contracts, blockchain technology, and digital wallets involve technical risks including bugs, hacks, and system failures.

  • Liquidity Risk: There is no guarantee that you will be able to sell or trade your HCL tokens at any particular time or price.

  • Project Risk: The HealthCoin Lifestyle project may not achieve its stated goals or may fail entirely, resulting in loss of token value.

  • Market Risk: Broader cryptocurrency market conditions can significantly impact HCL token value.

Not a Security

HCL tokens are utility tokens designed to provide access to services and features within the HealthCoin Lifestyle ecosystem. They are not intended to be securities, investment contracts, or any other form of investment product. Token holders should not expect profits solely from the efforts of the HealthCoin Lifestyle team.

The classification of tokens may vary by jurisdiction. It is your responsibility to determine the legal status of HCL tokens in your jurisdiction.

No Guarantees or Warranties

HealthCoin Lifestyle makes no representations or warranties regarding:

  • The future value, utility, or performance of HCL tokens

  • The successful development or completion of the HealthCoin Lifestyle platform

  • The availability, functionality, or quality of any services or features

  • The accuracy, completeness, or reliability of any information provided

  • Compliance with any particular regulatory framework

  • The ability to transfer, trade, or use HCL tokens on any platform or exchange

All information and materials are provided "as is" without warranty of any kind.

Jurisdictional Restrictions

HCL tokens may not be available for purchase or use in all jurisdictions. It is your responsibility to ensure that your purchase, holding, and use of HCL tokens complies with applicable laws and regulations in your jurisdiction.

By participating in the HCL token ecosystem, you represent and warrant that:

  • You are not a resident or citizen of any restricted jurisdiction

  • You are not on any sanctions lists or subject to economic sanctions

  • Your participation complies with all applicable laws and regulations

  • You have obtained all necessary approvals, permits, and authorizations

Forward-Looking Statements

Any statements about future plans, goals, features, developments, or expectations are forward-looking statements that involve risks and uncertainties. Actual results may differ materially from those expressed or implied in such forward-looking statements.

HealthCoin Lifestyle reserves the right to change, modify, or abandon any aspect of the project, roadmap, or token utility at any time without notice.

Tax Considerations

The purchase, sale, holding, and use of HCL tokens may have tax implications in your jurisdiction. You are solely responsible for determining and complying with all applicable tax obligations, including:

  • Income tax on token rewards or earnings

  • Capital gains tax on token sales or trades

  • Value-added tax (VAT) or goods and services tax (GST)

  • Reporting requirements and record-keeping obligations

You should consult with qualified tax professionals regarding your specific tax situation.

Third-Party Information and Services

HealthCoin Lifestyle may provide links to or integrate with third-party websites, services, or platforms. We do not endorse, control, or assume responsibility for any third-party content, products, or services. Your use of third-party services is at your own risk and subject to the terms and conditions of those third parties.

Limitation of Liability

To the maximum extent permitted by applicable law, HealthCoin Lifestyle, its affiliates, directors, officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages arising from or related to:

  • The purchase, sale, holding, or use of HCL tokens

  • The HealthCoin Lifestyle platform or any associated services

  • Any technical failures, security breaches, or loss of tokens

  • Any regulatory actions or legal proceedings

  • Reliance on any information provided

Security and Custody

You are solely responsible for the security and custody of your HCL tokens, including:

  • Maintaining the security of your private keys and wallet credentials

  • Protecting your account from unauthorized access

  • Verifying the accuracy of transaction details before confirming

  • Using secure and reputable wallet providers

Lost or stolen private keys cannot be recovered. HealthCoin Lifestyle cannot help you recover lost tokens or reverse confirmed blockchain transactions.

Scam Warning

⚠️ IMPORTANT: Be vigilant against scams and fraudulent activities.

  • Only use official HealthCoin Lifestyle channels and verified contract addresses

  • Never share your private keys, seed phrases, or wallet passwords with anyone

  • HealthCoin Lifestyle will never ask you to send tokens to claim rewards or participate in "airdrops"

  • Verify all information through our official website and social media channels

  • Be cautious of phishing attempts, fake websites, and impersonators

Official HCL Token Contract Address (Solana): 3fCdeyD73PhmDWq6zGEwSPB8cbWjX9AFhPKAAgQ4x7a4

Changes to This Disclaimer

HealthCoin Lifestyle reserves the right to modify, amend, or update this Token Disclaimer at any time without prior notice. Changes will be effective immediately upon posting. Your continued participation in the HCL token ecosystem constitutes acceptance of any changes.

We encourage you to review this Disclaimer periodically for any updates.

Contact Information

If you have questions or concerns about this Token Disclaimer, please contact:

HealthCoin Lifestyle Team

Email: legal@healthcoinlifestyle.com

BY PURCHASING, HOLDING, OR USING HCL TOKENS, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THIS TOKEN DISCLAIMER. IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT PURCHASE, HOLD, OR USE HCL TOKENS.

BY PURCHASING, HOLDING, OR USING HCL TOKENS, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THIS TOKEN DISCLAIMER. IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT PURCHASE, HOLD, OR USE HCL TOKENS.