Risk Disclosure Policy

Last Updated: January 2026

This Risk Disclosure Policy (this “Disclaimer”) is issued by HMall Technologies LTD, a company incorporated under the laws of the British Virgin Islands pursuant to the British Virgin Islands Business Companies Act of 2004 (as amended), bearing Company No. 21995904 (“HMall”, “Company”, “we”, “us”, or “our”).

Unless otherwise defined herein, all capitalized terms used in this Disclaimer shall have the meanings ascribed to them in the HMall Terms and Conditions. This Disclaimer is designed to inform you (“User” or “you”) of the potential risks associated with accessing and using the Services provided on the HMall Platform.

By continuing to engage with our Services on our Platform, Users acknowledge and understand the inherent risks involved. Any risks encountered during participation in these activities are solely at the User's own discretion, and HMall will not be held responsible for any losses or damages incurred as a result.

1. Platform and Operational Risks

Technical Bugs and Errors

The Platform may contain bugs or errors that could affect its functionality. Users should be aware that software issues could impact the User experience, transaction processing, and access to Services.

Maintenance and Upgrades

We may periodically perform system upgrades or maintenance. You understand that such activities may result in temporary service disruptions, downtime, or modifications to Platform functionality without prior notice.

2. Product-Specific Risk (Digital Products)

Compatibility Risks

Digital products purchased or accessed via the Platform may not be compatible with all hardware, operating systems, or third-party software. You bear the sole responsibility for verifying compatibility prior to purchase. Incompatibility may severely limit or negate the utility and value of the product.

3. Product-Specific Risk (Physical Products)

Shipping Risks

Physical products may be delayed, damaged, or lost during shipping. Users should review the applicable shipping terms and conditions and be aware of potential risks associated with product delivery.

Warranty and Returns

There are inherent risks associated with warranty claims, returns, and refunds, which may be subject to specific terms and conditions imposed by the relevant vendor or the Platform. Users are advised to carefully review the warranty and return policies applicable to each product.

For additional information regarding the terms governing shipping, warranties, returns, and other risks associated with physical product transactions, Users should consult the legal documentation of Horys Technologies, including its Terms and Conditions, available at https://docs.horystech.com/legal-documents/terms-and-conditions.

4. Third-party Risk

Intermediary Platforms

HMall operates in conjunction with Third-Party Partners (including NodeLink) that function as intermediary platforms. We exercise no control, management, or influence over the products, services, or operational standards of these Third-Party Partner Websites. You agree that any disputes, issues, or losses arising from your interaction with Third-Party Partners must be resolved directly with those entities.

5. Service Availability Risk

The availability, pricing, and continuity of products or services offered by Third-Party Partners are subject to change at the sole discretion of those partners. HMall cannot guarantee the continued availability of any third-party service and is not liable for the withdrawal or modification of such services.

6. Data Security and Privacy Risk

Single Sign-On (SSO) / Shared Credentials: when using SSO or other shared credential mechanisms to access HMall and affiliated Third-Party Partner Websites, your authentication details may be transmitted between such platforms. While the Third-Party Partner Websites employ industry-standard security protocols to protect user data, the use of SSO may expose Users to risks of unauthorized access or data breaches if any of the interconnected systems or third-party providers suffer a compromise or security vulnerability. Users are advised to follow best practices for account security and to regularly monitor account activity.

7. User Behavior Monitoring Risk

Activity Tracking

The shared login functionality allows Third-Party Partner Websites to track your activity across multiple platforms using the same credentials. This is designed to improve User experience but can also lead to behavior and interactions being correlated, potentially impacting User privacy.

8. Third-Party Policies Risk

Diverse Policies

Each Third-Party Partner Website may have its own terms of use, privacy policies, and security practices. By using shared login credentials, Users acknowledge they are subject to the policies and practices of both HMall and the Third-Party Partner Websites. Users should review and understand each policy, term, and condition before using the shared login feature.

9. Due Diligence

Professional Advice

HMall Services are not intended to provide financial, investment, or legal advice. The information presented in our Terms and Conditions, Privacy & Cookie Policy, and other documents are not financial or investment advice or recommendations to use any Third-Party Partner Website products or services. Users are encouraged to consult with qualified professionals before making decisions based on the Services provided through our Platform.

10. Advertising and Marketing Risks

Advertising Accuracy

Users should critically evaluate advertising and marketing claims on the Platform. HMall does not guarantee the accuracy or reliability of advertisements.

Marketing Communications

Users may receive marketing communications. It is the User’s responsibility to manage their communication preferences.

11. Data and Security Breach Risk

Liability Disclaimer: HMall disclaims any liability for damage of any kind caused by data losses on computer servers, hacking, cybersecurity breaches and/or other types of losses. Users acknowledge that HMall is not responsible for any of these variables or risks and is not liable for any resulting losses experienced while accessing or using a Third-Party Partner Website.

12. Technological and Internet Risks

Internet Connectivity

Users’ access to the Platform depends on internet connectivity. Interruptions or failures in internet service can affect the ability to use the Platform effectively.

Technological Changes

Rapid changes in technology can render certain features or services obsolete. Users should be prepared for potential technological disruptions or changes.

13. Fiat Payment Risks

Processing Risks

Payments made via credit/debit cards are subject to processing delays, potential rejection by financial institutions, and chargebacks. Users acknowledge these issues may affect the completion and security of transactions.

Fraud and Unauthorized Transactions

Users are at risk of fraud, including unauthorized transactions and identity theft. Despite robust security measures, there is always a risk of financial data being compromised.

Currency Conversion

Users making international transactions may be subject to currency conversion fees and fluctuations, which can impact the final cost of the purchase.

14. Participation Risk

Voluntary Participation

By participating in our Services, Users confirm that they are engaging at their own risk and discretion.

15. Responsibility and Decision Making

User Responsibility

Participation in our Services is voluntary, and Users are solely responsible for their decisions. It is recommended that Users carefully evaluate risks and consider seeking independent advice if necessary. HMall is not liable for any losses, damages, or negative outcomes resulting from participation in our Services.

16. Acceptance of Risks

Agreement to Terms

By continuing to use our Platform and Services, Users accept the risks and terms outlined in this disclosure. If uncertain about any aspect of the Services, Users are advised to refrain from participating and seek further clarification.

17. Jurisdiction and Regulatory Risks

Legal Jurisdiction

HMall is incorporated in the BVI. Users should be aware that the legal framework and regulatory environment of the BVI may differ significantly from those in their home jurisdictions. This may impact the enforceability of User rights and the resolution of disputes.

Compliance with BVI Laws

Users acknowledge that by using HMall, they are subject to the laws and regulations of the BVI. Users should consider how these laws may affect their use of the Platform and seek legal advice if necessary.

18. IP and Legal Risks

Intellectual Property Risks

Users must ensure that their use of the Platform does not infringe on any intellectual property rights. Any violation of intellectual property laws is the sole responsibility of the User.

Legal Compliance

Users must comply with all applicable laws and regulations in their jurisdiction. We are not responsible for ensuring User compliance with local laws.

19. Environmental and External Risks

Force Majeure

Events such as natural disasters, pandemics, and other unforeseen circumstances can disrupt Platform operations and affect service availability.

Third-Party Reliance: the Platform's functionality may depend on third-party providers, such as payment processors and hosting services. Disruptions or failures in these third-party services can impact the Platform's performance and availability.

Tax Declaration and Disclaimer

Tax Obligations

By using the Services offered by HMall and Third-Party Partner Websites, Users acknowledge that any purchases may be subject to taxation according to the laws and regulations of their jurisdiction. Users are solely responsible for understanding and complying with applicable local tax obligations.

No Liability for Taxes

HMall and its Third-Party Partner Websites do not assume any liability or responsibility for Users' tax payments arising from any purchases of products and services provided by the Platform. Users are responsible for determining tax liabilities with a qualified tax professional or financial advisor and fulfilling any necessary tax reporting and payment obligations.

Professional Advice Recommendation

HMall strongly recommends seeking advice from a qualified tax professional or financial advisor to accurately ascertain tax liabilities. Tax regulations and obligations vary by region and country. Users must ensure fulfillment of all applicable requirements.

Regulatory Changes

Tax laws and regulations are subject to change. Users are responsible for staying informed about any changes that may affect their tax liability. HMall and Third-Party Partner Websites are not responsible for notifying Users about alterations in tax laws.

Disclaimer

This tax declaration is for informational purposes only and does not constitute legal or financial advice. Users are advised to consult with a qualified tax professional or financial advisor in their jurisdiction for accurate and personalized guidance regarding tax obligations. HMall and Third-Party Partner Websites do not endorse any specific tax strategy or interpretation of tax laws. Decisions based on provided information are made at Users' own risk.

By using the Services of HMall and Third-Party Partner Websites, Users acknowledge and agree to the above-stated terms regarding their tax obligations and responsibilities.