Disclaimers

These Disclaimers apply to the Pyrus website, application, and account dashboard, and to any content Pyrus makes available through the Services, social media, email, or other media (the "Materials"). In these Disclaimers, "Pyrus" (the "Company," "we," "us," or "our") means Pyrus Financial Inc., together with its subsidiaries and affiliates, including Pyrus Credit LLC, which originates and services loans.

No advice; no professional relationship

The Materials are provided for general information and educational purposes only and are not legal, financial, investment, accounting, or tax advice, and are not a recommendation to enter into a loan or to buy, hold, or sell Bitcoin or any other asset. Pyrus is a lender. It is not acting as your broker, dealer, intermediary, investment adviser, or fiduciary, and has no advisory relationship or obligation to you in connection with your use of the Services. You are solely responsible for evaluating whether any product or transaction is appropriate for you in light of your own objectives, circumstances, and risk tolerance, and you should consult your own legal, tax, and financial advisors before making a decision. Any reliance on the Materials is at your own risk.

Not an offer where unlawful; product availability

The Materials are not an offer or solicitation in any jurisdiction where, or to any person to whom, such an offer or solicitation would be unlawful, and the products and services described may not be available to all persons or in all locations. The availability of a Bitcoin Equity Loan is subject to eligibility, identity verification, underwriting, applicable law, and the terms of your Loan Agreement, and is not available to residents of an Ineligible Jurisdiction. Nothing in the Materials creates any obligation of Pyrus to provide any product or service.

Forward-looking statements

The Materials may contain forward-looking statements, which are statements that are not historical facts and that often use words such as "may," "will," "expect," "intend," "plan," "believe," or "estimate." Forward-looking statements are subject to risks and uncertainties and are not guarantees of future results, and actual outcomes may differ materially. Except as required by law, Pyrus does not undertake to update any forward-looking statement.

Cost of credit; how APR works

The annual percentage rate (APR) reflects the yearly cost of a loan expressed as a percentage, including interest and certain fees, and is intended to help you compare loan offers. The APR does not take compounding into account, and the specific APR, interest rate, fees, and payment schedule that apply to your loan are disclosed in your Loan Agreement and the Truth in Lending Act disclosures delivered with it. Rates and fees vary based on factors such as loan amount, term, and your jurisdiction of residence, and are subject to change. Any rate, fee, or payment example in the Materials is illustrative only and is not an offer of credit on those terms.

No insurance; not legal tender

Bitcoin is not legal tender and is not backed by any government or central bank. A Bitcoin Equity Loan is not a bank account or deposit, and digital assets held in connection with the Services are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC), or any other deposit insurer or investor-protection fund.

Testimonials and endorsements

Testimonials or endorsements by clients or others who have a connection to Pyrus may not be representative of any other person's experience and are not a guarantee of future performance or outcomes.

Third-party content

References in the Materials to third parties, or to third-party information, products, or services, are not endorsements, and Pyrus is not responsible for the accuracy, completeness, or legality of third-party content. Any third-party views expressed in the Materials are those of their authors and do not necessarily reflect the views of Pyrus.

Accuracy of information

The Materials are provided "as is." While Pyrus believes the information in the Materials to be reliable as of its date, Pyrus does not represent or warrant that the Materials are accurate, current, or complete, and disclaims all warranties with respect to the Materials to the fullest extent permitted by applicable law.

Forks, airdrops, and unsupported assets

Pyrus supports Bitcoin in connection with the Bitcoin Equity Loan and does not support assets resulting from forks, airdrops, or similar network events, or other digital assets that are not expressly supported. You should not attempt to send any unsupported asset to an address associated with your account. Unsupported assets may be unrecoverable and permanently lost, and Pyrus has no responsibility or liability for them.

Last updated: March 12, 2026