12.4 Limitation of Liability and Disclaimers

1. Platform Liability:

• To the fullest extent permitted by applicable law, InsuranceDAO.World and its affiliates, partners, contractors, and service providers shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, funds, or access to services, resulting from your use of the platform or your inability to use the platform.

2. No Guarantee of Returns:

• InsuranceDAO.World does not guarantee any profits or returns related to the purchase of insurance-backed NFTs, staking, or any other financial activities on the platform. All transactions are subject to market risks, and users must acknowledge the inherent risks of participating in decentralized finance (DeFi) and cryptocurrency markets.

3. Platform Does Not Provide Legal, Tax, or Financial Advice:

• The platform does not provide legal, tax, or financial advice. Any decisions you make based on your use of the platform or the information provided by InsuranceDAO.World are done at your own risk. You should seek professional advice before engaging in any activities related to insurance, investments, or financial matters.

4. No Warranty on Data Accuracy:

• InsuranceDAO.World does not warrant the accuracy or completeness of any data provided through the platform. While we strive to ensure that the data is accurate, it is provided “as is” and may be subject to change or errors.