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T-FILABS

T-Fi, an easier path to your finance. Earn profit by staking and lending BOA!

Total Staking BOA 0 Total BOA Reward 38 % Go stake your BOA

Total Lending BOA 0 Interest rate ( ~ ) +0 % Go lend your BOA

What’s BOSAGORA?

BOSAGORA is a public blockchain platform that aims
to make a better world enabling a new way of life.

What’s BOA Staking?

Staking BOA means freezing BOA to become a key holder of
the BOSAGORA ecosystem. The key members of BOA's staking
program are given multiple benefits. The benefits include
Operating nodes and becoming a member of the Congress
network, which means you can participate in decision making
and receive a Confirmation Reward by contributing to block
generation.

What’s a BOA Confirmation Reward?

Staking BOA and operating nodes contributes to the creation
of a block, thereby enabling to earn a Confirmation Reward.
According to the BOSAGORA white paper, a holder must have
40,000 or more BOAs to operate node and receive
Confirmation Rewards, and additionally have to run certain
programs 24 hours a day.
Are you worried that you don't have enough BOA and have a hard time to run a program?
Don't worry If you entrust T fi labs, you can get rewards
without having to hold 40 000 BOA nor having to run any
programs.

What’s BOA T-Fi Lending?

DeFi and T-Fi

DeFi is an innovative concept that handles all processes in
finance through decentralized systems without any centralized
intermediaries such as banks, governments and companies. But
it's also true that it's hard to call it a ‘true finance’ due to its
narrow scope.
BOSAGORA, symbolizes ‘True Finance(T-Fi)’ that can be used
in the real economy. Now you can enjoy the benefits of finance linked
to various real-life economies,
including stock and real estate funds, through T-Fi.

T-Fi Lending?

You can get a Confirmation Reward by staking BOA on T-Fi.
Furthermore, you can enjoy additional benefits if the holder
agrees to lend the staked BOA. T-Fi labs returns your lended
BOA with profit by investing cash in a variety of real-world
economic areas as collateral. You can choose which economy
your BOA will be invested in.

What’s FMway?

FMway is a stock fund asset management service based on corporate fundamental data algorithms. It eliminates arbitrary human
judgment and selects and invests stocks based on these consistent criteria in 100% algorithms to generate stable returns. Back-test
simulations of stock markets for last 20 years showed an average annual return rate of 39.7%. Also, it made profit in 80% of the quarters
through out total 78 quarters. The actual investment track record, which started in 2014, also have similar results to the simulation results.

FMway is the first partner in the T-Fi ecosystem that BOSAGORA wants to implement. T-Fi generates revenue by investing in FMway as
collateral for BOA assets that the holders have lended on.

What’s FMT?

FMT is a vouture token form. FMT means the holder invested in
FMway by lending BOA. The Lender may require future revenue
from FMway based on FMT. Alternatively, the users can buy and
sell FMT with the other users on a ‘P2P Exchange’ located in the
T-Fi platform, hence anyone can trade the rights to the lended
BOA and future revenue at any time.

Media

T-Fi Labs Ltd. 16 RAFFLES QUAY #16-05 HONG LEONG BUILDING SINGAPORE (048581)

[Privacy Policy]
T-FI LABS PTE., Ltd. (hereinafter referred to as "Company") establishes and discloses personal information processing policies in order to protect the personal information of customers using T-Fi service (hereinafter referred to as the "service") and to handle the grievances promptly and smoothly pursuant to the Personal Information Protection Act.


1. Purpose and method of collecting personal information

"Company" processes personal information for the following purposes and does not use it for any purpose other than the following.

- Purpose of collection: To identify and certify yourself according to the customer's application for membership, maintain and manage membership, handle civil affairs, marketing and advertising, validate "service" and check the frequency of access.


2. Processing and retention period of personal information

① The “Company” processes and retains personal information within the period of retention and use of personal information obtained with consent when collecting personal information from the information subject or within the period of retention and use of personal information in accordance with laws and regulations.

② Specific personal information processing and retention periods are as follows.

-Customer registration and management: From the date of application for membership to the date of termination of the membership contract.

-Records on consumer complaints or dispute settlement: 3 years, Records on collection/processing and use of credit information, etc.: 3 years, Records on payment and supply of goods: 5 years, Records on contract or subscription withdrawal, etc.: 5 years, Records on display/advertisement: 1 year, Records on access: 1 year.


3. Providing personal information to third parties

The "Company" shall not provide personal information to third parties except in cases falling the Personal Information Protection Act, such as separate consent of the information subject or special provisions of the Act.


4. Consignment of personal information processing

① “Company” does not entrust personal information processing.

② If the contents of the consignment business or the consignee change, we will disclose it through this personal information processing policy without delay.


5. Rights, obligations and methods of exercise of information subjects and legal representatives

The information subject may exercise the following privacy rights for "company" at any time:

1) Requesting personal information access

2) Request correction if there is an error in personal information

3) Request for deletion

4) Request Processing Stopping


6. Personal information items handled

"Company" handles the following personal information items.

- Email, nickname, date of birth, connection IP information, device information, "service" usage record, access log (automatic collection).


7. Disposal of personal information

① When the personal information becomes unnecessary, such as the expiration of the personal information retention period or the achievement of the processing purpose, the personal information will be destroyed without delay.

② “Company” destroys personal information in the following ways.

-Electronic files: Delete files and format storage media such as disks

③ Procedure for destroying personal information of dormant accounts

-The “Company” converts the personal information of the member into a dormant account and separately manages the account that has not logged in to the “Service” for more than 1 year in accordance with relevant laws and regulations.

-Dormant Member Information: All information collected/managed at the time of membership registration or by modifying member information

-The “Company” notifies the relevant user through e-mail, etc. one month before the period of separating and storing personal information of dormant accounts arrives.

-Personal information in dormant accounts will be destroyed without delay after 3 years from the start of separate storage.


8. Measures to secure personal information safety

"Company" takes the following measures to ensure the safety of personal information.

- Administrative measures: Establishing and implementing internal management plans, regular training for employees and etc.

- Technical measures: Management of access rights, such as setting passwords for personal information processing systems (or computers with personal information), installation of security programs such as vaccine software, and encryption of files with personal information.

- Physical measures: Access time, access control, etc. of places where personal information is stored and stored.


9. Matters concerning the installation, operation, and rejection of personal information collection devices;

"Company" uses "cookie" to store and retrieve users' information from time to time. Cookie refers to a special text file that is sent to the user's storage device when accessing the site. Cookies are a small amount of information that the website sends to your computer's Internet browser and are stored on your computer disk. If you cannot use cookie technology, such as mobile applications, you can also use a technology (such as an advertising identifier) that performs a similar function to cookies.

- Cookies are operated to provide personalised "service" by identifying logins for use, such as cookies, or by visiting users' usage records/visits to existing websites or identifying the number of app usage. The user has the option of installing cookies.

- How to reject cookie settings by selecting options for your app or web browser, you can allow all cookies, go through confirmation each time you save cookies, or refuse to save all cookies.


10. Personal Information Security Officer

"Company" is in charge of handling personal information and appoints a person in charge of personal information protection as follows to handle complaints and damage relief of information subjects related to personal information processing.



▶ Personal Information Security Officer

Name: LEE SANG-HOON

Position: CEO

Contact: john.lee@bpfkorea.org


11. Changes to the privacy policy

This privacy policy will be applied from Feb. 17. 2021.

[Terms of Service]
Article 1 (Purpose) The corporation that provides this service is operated in accordance with Singapore law, and T-Fi labs located in Singapore (the "Company") provides online digital contents The purpose is to stipulate the rights, obligations and responsibilities between the company and users in relation to use.


Article 2 (Definition) The definitions of terms used in this agreement are as follows.

①“Service” refers to a web service application and “T-Fi service” of a terminal that can be connected.

② "User" refers to members and non-members who access the services of the "company" and use the contents provided by the "company" and other services in accordance with these terms and conditions.

③ "Member" refers to a "user" who has signed a contract with the "company" and has been given a "user" ID and can continuously use the information of the "company".

④ "Non-member" refers to a person who is not a "member" and uses the services provided by the "company".

⑤ "Contents" refers to data expressed in code, text, voice, sound, image, or video used in the information and communication network on Promotion of Information and Communication Network Utilization and Information Protection, etc. Or as information,

It refers to a product produced or processed in an electronic form to increase its utility in preservation and use.
⑥ "ID" refers to a combination of letters or numbers determined by the "member" and approved by the "company" for identification of the "member" and use of the service.

⑦ "Password" refers to a combination of letters or numbers determined by the "member" himself for securing that the "member" is a "member" that matches the "ID" given to it.

⑧ "Virtual assets" refers to a Information that exists electronically in the Blockchain, such as BOA(BOA), Bitcoin(BTC), Ethereum(ETH), etc., to determine the purpose of the service.

⑨ Definitions of terms other than those applicable to each clause are in accordance with industry practices and related laws.


Article 3 (Notice and revision of the terms and conditions)

① This agreement becomes effective by posting it so that the "member" can check it, or by notifying the "member" of other methods.

② The "Company" may revise these Terms and Conditions to the extent that it does not violate related laws such as the Online Digital Contents Industry Development Act, the Consumer Protection Act in e-commerce, and the Act on the Regulation of Terms and Conditions.

③ If the "Company" revises the terms and conditions, it shall specify the effective date and notify the current terms and conditions from 7 days prior to the day before the effective date through the notice and service notification function. However, the rights and obligations of "members"

Changes that have a significant impact will be notified 30 days in advance, and if there is a change unfavorable to the "member", the revised terms and conditions will be sent to the e-mail address.

④ If the "Member" does not expressly express rejection within the notice period in Paragraph 3 above after the "Company" has notified or notified the revised terms, it is deemed to have agreed to the revised terms and conditions.

The company is not responsible for any damages to the "member" caused by not knowing the information on the changed terms and conditions. In the case of amendment of the terms and conditions, after the revised terms and conditions are notified, the "member" will confirm whether or not to agree to the application of the revised terms.


Article 4 (interpretation of the terms and conditions)

① With regard to matters not specified in these terms and conditions and the interpretation of these terms and conditions, the Online Digital Contents Industry Development Act, the Act on Consumer Protection in Electronic Commerce, etc., the Act on Regulation of Terms and Conditions, and the Minister of Culture, Sports and Tourism in accordance with the digital content user protection guidelines, other related laws or commercial practices.

② When a "member" enters into a separate contract with the "company" for the use of the service, the individual contract takes precedence over these terms and conditions for that "member".


Article 5 (membership registration)

① After reading and agreeing to these terms and conditions, you can apply for membership, and the "Company" completes the membership registration process and gives you an account for using the T-Fi service (hereinafter, ‘account’).

② When signing up for membership,'email, password' are collected as required items.


Article 6 (Obligations for the management of "ID" and "Password" of "members")

① "Member" is responsible for the management of the "ID" and "Password" of the "Member" and should not be allowed to be used by a third party.

② "Member" must immediately notify the "Company" and follow the instructions of "Company" if he or she realizes that "ID" and "Password" are stolen or used by a third party.

③ In the case of Paragraph 2, the "Company" is not liable for any disadvantages arising from failure to follow the instructions of the "Company" even if the "member" does not notify the "Company", or even if notified.


Article 7 (Notice to "Member")

① When the "company" notifies the "member", it can be done by using the e-mail address specified by the "member" or the message (notification) function within the service.

② The "Company" may replace the notice in Paragraph 1 by posting on the bulletin board of the "Company" for more than 7 days in case of notification to the entire "Member". However, for matters that have a significant impact on the transaction of the "member" We will notify you of Paragraph 1.


Article 8 (membership withdrawal and disqualification, etc.)

① "Member" can request withdrawal from the "Company" at any time, and "Company" handles withdrawal of membership immediately if it is a "member" who can withdraw through the withdrawal procedure.

② If the "member" falls under any of the following reasons, the "company" may limit or suspend membership.

1. In the case of registering false information at the time of application for subscription or stealing the portrait or personal information of another person.

2. In the event that the member's obligations in relation to the service use of the "company" or other service use of the "company" are not fulfilled on the due date.

3. Threatening the order of e-commerce, such as interfering with other people's use of the service or stealing the information.

4. In case of using the "company" to be prohibited by laws or these terms and conditions, or against public order and morals.

③ After the "Company" restricts or suspends membership, if the same action is repeated three or more times or if the reason is not corrected within 30 days, the "Company" may lose membership.


Article 9 (Obligations of the "Company")

① The "Company" must faithfully perform the exercise of rights and obligations stipulated by laws and regulations and these terms and conditions in good faith.

③ "Company" must have a security system to protect personal information so that "users" can safely use service and disclose and comply with the privacy policy.

④ If the "Company" deems that the objection raised by the "User" in relation to the use of Service is deemed to be legitimate, it will be dealt with without delay in accordance with the Konaryun Act. To the opinions or complaints raised by the "user" Regarding, the process and results are communicated through the bulletin board or via e-mail.


Article 10 (Obligation of "User")

① "Users" must not do the following.

1. Enter false information when applying or changing

2. Theft of information from others

3. Change of information posted on "Company"

4. Sending or posting information (computer programs, etc.) prohibited by the "Company"

5. Infringement of intellectual property rights such as copyrights of the "Company" and other third parties

6. Acts that damage the reputation of the "Company" and other third parties or interfere with business

7. The act of disclosing or posting obscene or violent words or texts, images, sounds, and other information for public order and morals on the service of the "Company"

8. Other illegal or unfair practices

9. An act of posting advertisements or propaganda materials or linking to related sites for a large number of unspecified members

② "User" must comply with related laws, regulations of this agreement, user guide and notices notified in relation to "content", and matters notified by "company", and other acts that interfere with the work of "company" Should not be done.

③ In the event of detection, depending on the case, you may be subject to measures to restrict the use of the service in stages, such as warning, temporary suspension, or permanent suspension of use, and legal action may be taken in accordance with relevant laws and regulations.


Article 11 (provision and suspension of content services)

① “Service” is provided 24 hours a day, 365 days a year.

② The "Company" may temporarily suspend the provision of the "Content" service in the event of maintenance, inspection, replacement or breakdown of information and communication facilities such as computers, communication interruptions, or significant operational reasons. In this case, the "Company" will notify the "User" in the manner specified in Article 7 [Notice to "Member"]. However, if there is an unavoidable reason that the "Company" cannot notify in advance, it may be notified afterwards.

③ The "Company" may conduct regular inspections if necessary to provide the "Contents" service, and the periodic inspection time shall follow the notice on the service provision screen.


Article 12 (Change of Content Service)

① The "Company" may change the "Content" service provided according to operational and technical needs if there is a considerable reason.

② "Company" may modify, suspend, or change all or part of the service according to the company's policy and operational needs, and does not provide separate compensation to the "user" unless otherwise specified in the relevant laws.


Article 13 (provision of information and posting of advertisements)

① The "Company" may provide a variety of information deemed necessary during the use of "Content" by "User" to "Members" by means of announcements, e-mail, and service notification functions.

② The "Company" may place advertisements on the "Content" screen, homepage, e-mail, etc. in connection with the provision of the "Content" service.

③ "Members" who have subscribed to the services of the "company" are considered to agree to the provision and publication in accordance with the above paragraphs 1 and 2.


Article 14 (Fees)

① The “Company” charges a fee in exchange for providing services to members. Fees are specified in the company’s website usage method and may change depending on the company and market conditions.


Article 15 (Staking Programs)

① The “Company” does not guarantee Users’ proceeds under any Staking Program.

② The “Company” has the right to initiate or terminate Staking Program for any Digital Currencies or modify rules on such programs in its sole discretion;

③ Users shall ensure that sources of the Digital Currencies they hold in T-Fi Labs Accounts are legal and compliant and undertake to observe related laws and regulations. Otherwise, T-Fi Labs has the right to take necessary steps in accordance with these Terms or T-Fi labs Platform Rules, including, without limitation, freezing T-Fi Labs Accounts or deducting the Digital Currencies awarded to Users who violate the rules of respective Staking Programs.


Article 16 (Cancellation and termination of the company's contract and restrictions on use)

① The "Company" may cancel or terminate the contract without prior notice, or restrict the use of the service by a fixed period in case the "User" has performed the actions specified in Article 8 (2).

② "Cancellation/Termination of Paragraph 1" takes effect when the "Company" indicates its intention to the "User" according to the notification method set by it.

③ Regarding the cancellation, termination and restriction of use of the "Company", the "User" may file an objection according to the procedure set by the "Company". At this time, if the "Company" acknowledges that the objection is justified, the "Company" will immediately resume using the service.


Article 17 ("Member's" contract cancellation, termination, etc.)

① "Members" can apply for withdrawal of the service at any time, and "company" must deal with them immediately in accordance with the relevant laws.

② When the "member" terminates the contract, the personal information of the "member" is destroyed immediately upon termination, unless the company retains the member information in accordance with relevant laws and personal information protection policies.

③ Even if the contract of the “member” is terminated for reasons such as termination of the contract, the posting of the “member” does not expire and may be used as a result of a search according to the use of the service by the “user”. However, the “Company” cannot use the postings of “Members” who have canceled the contract for reasons such as withdrawal according to the first half of Article 16, Paragraph 3.


Article 18 (Disclaimer)

① If the "Company" cannot provide service due to natural disasters or equivalent force majeure, the responsibility for providing service is exempted.

② The "Company" is not responsible for any obstacles in the use of service due to reasons attributable to the "User".

③ The "Company" is not responsible for disputes between "Users" or between "Users" and a third party through "Content".

④ The “Company” is not responsible for transactions between “users” or between “users” and a third party through service.

⑤ If the information such as the name and e-mail address of the “member” is changed, it must be notified or changed in advance, and the “member” is responsible for any accidents caused by not changing it.


Article 19 (Settlement of Disputes)

In the event of a dispute, the “Company” takes appropriate and prompt action by reflecting the legitimate opinions or complaints raised by the “User”. However, if prompt processing is difficult, the "Company" will notify the "User" of the reason and processing schedule.


Article 20 (Governing Law and Competent Court)

① Lawsuits filed between “Company” and “Member” are governed by Singapore.

② In the case of a dispute arising between the “company” and the “member”, the court having jurisdiction over the address of the “company” shall be the exclusive jurisdiction for the first trial lawsuit.


Supplementary provision

Article 1 (Effective Date) These terms and conditions will be effective from Feb. 17. 2021.