Reward Platform on Hedera Blockchain
Effective Date: 16-05-2026
Last Updated: 16-05-2026
Version 1.0
Welcome to Bills on Chain. These Terms and Conditions ("Terms", "Agreement") govern your access to and use of the Bills on Chain platform, including the website located at https://billsonchain.io/, the Bills on Chain mobile and web applications, and all related services, features, and content (collectively, the "Platform" or "Services").
The Platform is owned and operated by String Fintech HK Ltd., company incorporated under the laws of [INSERT JURISDICTION OF INCORPORATION], with its registered office at Flat/RM 606 6/F Hollywood Centre, 77-91 Queen`s Road West Sheung Wan HK (referred to as "Company", "we", "us", or "our").
Bills on Chain enables users to upload images of their everyday purchase bills and receipts, which are processed using optical character recognition (OCR) and artificial intelligence verification, stored on decentralized infrastructure, and minted as non-fungible tokens ("NFTs") on the Hedera Hashgraph network. In return for verified bill submissions, users may earn virtual reward points ("Reward Points"), which may be redeemed for $IDLE tokens as further described below.
In these Terms, "User", "you", or "your" means any person who accesses or uses the Platform.
THESE TERMS CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND THE COMPANY. BY ACCESSING OR USING THE PLATFORM, BY CREATING AN ACCOUNT, OR BY CLICKING A BOX OR BUTTON INDICATING YOUR ACCEPTANCE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. THESE TERMS INCLUDE IMPORTANT PROVISIONS RELATING TO DISPUTE RESOLUTION, LIMITATION OF LIABILITY, DISCLAIMERS OF WARRANTY, AND THE INHERENT RISKS OF BLOCKCHAIN AND VIRTUAL ASSETS. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, YOU MUST NOT ACCESS OR USE THE PLATFORM.
To access and use the Platform and its Services, you must register and create a Bills on Chain account ("Account"). By registering, you represent and warrant that:
You are solely responsible for maintaining the confidentiality of your Account credentials, including your password, recovery codes, and any wallet addresses linked to your Account. You agree not to share your credentials with any third party. You shall be solely responsible for all activity conducted under your Account, whether or not authorized by you. The Company is not responsible for any unauthorized access to your Account or any loss of Reward Points, $IDLE tokens, NFTs, or other assets resulting from such unauthorized access, except to the extent caused by the Company's gross negligence or wilful misconduct.
Your Account is personal to you and is not transferable to any third party without the prior written consent of the Company.
USE OF THE PLATFORM IS RESTRICTED TO USERS WHO HAVE ATTAINED THE AGE OF MAJORITY IN THEIR JURISDICTION OF RESIDENCE.
The Platform and its Services are not directed to, intended for, or designed to attract individuals under the age of majority. If you are below the age of majority in your jurisdiction, you are not permitted to access or use the Platform, register an Account, submit bills or any other content, or provide any personal information to the Company.
If the Company becomes aware that an Account is held by a minor, the Company reserves the right to immediately suspend or terminate the Account, void any accrued Reward Points or rewards, and delete any associated personal information in accordance with applicable law.
All content made available through the Platform, including without limitation text, images, illustrations, graphics, audio, video, software, source code, logos, trademarks, service marks, button icons, designs, user interfaces, layouts, compilations, and other materials (collectively, the "Platform Content"), is the proprietary property of the Company, its affiliates, or its third-party licensors, and is protected by copyright, trademark, and other intellectual property laws.
Subject to your continued compliance with these Terms, the Company grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform Content for personal, non-commercial purposes only. Except as expressly permitted by these Terms, you may not copy, reproduce, modify, adapt, translate, create derivative works from, publicly display, publicly perform, republish, transmit, distribute, sell, license, reverse engineer, decompile, or disassemble any Platform Content.
Bills on Chain, the $IDLE token name and logo, the Company's name and logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates. You may not use such marks without the prior written permission of the Company.
Content posted, submitted, or otherwise made available by other Users does not necessarily reflect the views of the Company. The Company does not endorse, and is not responsible for, the accuracy, completeness, or reliability of any User-submitted content.
The Company grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to install and use the Bills on Chain mobile and/or web application (the "Application") on devices that you own or are legally authorized to use, solely for the purpose of accessing the Services in accordance with these Terms.
You agree that you will not, and will not permit any third party to:
The Company may, from time to time and at its sole discretion, issue updates, patches, or new versions of the Application. Such updates may be installed automatically, depending on your device settings. You consent to receive such updates without requiring further notice or consent. The Company is not responsible if an update affects the Application's functionality due to incompatibility with your device or operating system.
You are responsible for obtaining and maintaining the equipment, devices, software, internet connectivity, and any other services required to access and use the Platform. You are responsible for all charges incurred from your internet service provider, mobile network operator, or other telecommunications provider in connection with your use of the Platform.
The Company is not liable for any loss or damage to your device, data, or other property arising from your use of the Platform, except to the extent such loss or damage is caused by the Company's gross negligence or wilful misconduct.
Each individual is permitted to register and maintain only one (1) Bills on Chain Account. Attempts to create multiple Accounts — whether using different email addresses, devices, wallets, identities, or any other means — may result in immediate suspension or termination of all related Accounts and forfeiture of any associated Reward Points, $IDLE tokens, or NFTs.
Bills and receipts uploaded to the Platform must:
If a submitted bill fails to meet the foregoing requirements, the bill may be rejected and may not earn Reward Points. The Company reserves the right, at its sole discretion, to determine the eligibility of any submitted bill.
All submitted bills are subjected to automated verification using artificial intelligence and machine learning systems ("Truth Scan") to detect AI-generated, edited, duplicate, or otherwise fraudulent submissions. Bills that fail Truth Scan verification may be rejected, and your Account may be flagged for further review. Repeated failures or detected fraudulent activity may result in suspension or termination of your Account.
Each verified bill is minted as a unique NFT on the Hedera Hashgraph network. By submitting a bill, you authorize the Company to: (a) process the bill image using OCR and AI verification services; (b) store the bill image on secure cloud infrastructure; (c) store associated metadata on decentralized storage networks (including, without limitation, Pinata/IPFS); and (d) mint a corresponding NFT on the Hedera network. You acknowledge that once an NFT is minted, the underlying blockchain record is immutable and cannot be deleted, modified, or reversed.
In return for valid, verified bill submissions, you may earn virtual Reward Points credited to your Bills on Chain Account. Reward Points:
Reward Points may be redeemed for $IDLE tokens, subject to the redemption rules, minimum thresholds, and conversion ratios displayed within the Application at the time of redemption. The Company reserves the right to modify the conversion ratio, minimum redemption thresholds, redemption frequency, and other redemption parameters at any time, in its sole discretion.
Redemption requests will typically be processed within +852 65385852 days of submission, but the Company does not guarantee any specific processing time. To receive $IDLE tokens, you must provide a valid, compatible wallet address. The Company is not responsible for any loss of tokens resulting from an incorrect, inaccessible, or compromised wallet address provided by you.
The Company reserves the right, at any time and at its sole discretion, to modify, suspend, or discontinue any feature of the Platform, including bill submission rules, Reward Point earning rates, redemption rules, eligible bill categories, and supported retailers, without any obligation or liability to you, except as required by applicable law.
If your Account remains inactive — meaning you have not uploaded any bills, redeemed Reward Points, or otherwise meaningfully engaged with the Platform — for a continuous period of +852 65385852 months, the Company may, at its discretion, suspend or close your Account and forfeit any unredeemed Reward Points. The Company may attempt to notify you prior to taking such action, but is not obligated to do so unless required by applicable law.
You may not submit bills that: (a) result from purchases you did not personally make; (b) have been altered, manipulated, or generated by AI; (c) are duplicates of previously submitted bills; (d) are fabricated or fictitious; or (e) violate these Terms in any other manner. The Company may suspend, terminate, or permanently ban any Account that the Company reasonably believes has engaged in fraudulent activity, and may void any Reward Points, $IDLE tokens, or NFTs associated with such Account, to the maximum extent permitted by applicable law.
IMPORTANT RISK NOTICE
The Platform operates on blockchain infrastructure and involves virtual assets, including NFTs and $IDLE tokens. Blockchain technology and virtual assets carry significant risks. You should not participate in the Platform unless you fully understand these risks and are willing to bear them.
Nothing on the Platform constitutes financial, investment, legal, tax, or other professional advice. Reward Points and $IDLE tokens are not offered as investments, securities, or financial products. The Company does not represent or warrant that $IDLE tokens will retain any particular value, appreciate in value, or remain tradable. You are solely responsible for your own decisions and should consult qualified professionals before making any financial decisions.
The value of $IDLE tokens and other virtual assets may fluctuate significantly and may decline to zero. Past performance is not indicative of future results. The Company makes no guarantees regarding the market value, liquidity, or tradability of any virtual asset associated with the Platform.
Transactions recorded on the Hedera Hashgraph network and other blockchain networks are immutable and irreversible. Once a transaction is confirmed on-chain, it cannot be cancelled, modified, or reversed. You are solely responsible for verifying the accuracy of any wallet address, transaction amount, or other transaction parameter before initiating a transaction.
If you use a self-custodial wallet to receive or hold $IDLE tokens or NFTs, you are solely responsible for the safekeeping of your wallet credentials, private keys, seed phrases, and any other access mechanisms. The Company does not have access to, and cannot recover, lost wallet credentials. Loss of your wallet credentials may result in permanent loss of access to your tokens and NFTs.
The Platform relies on third-party blockchain networks, smart contracts, decentralized storage services, oracles, and infrastructure providers. These systems may experience downtime, congestion, bugs, exploits, attacks, forks, or other technical issues outside the Company's control. The Company is not responsible for losses arising from such third-party events.
The legal and regulatory status of virtual assets, blockchain technology, and reward-based crypto programs varies significantly across jurisdictions and is subject to change. New laws, regulations, or governmental actions may adversely affect the Platform, the value of $IDLE tokens, or your ability to use the Services. You are solely responsible for ensuring that your use of the Platform complies with the laws of your jurisdiction.
You are solely responsible for determining the tax implications of your use of the Platform, including the receipt of Reward Points, the redemption of $IDLE tokens, the holding or transfer of NFTs, and any related transactions. The Company does not provide tax advice. You are solely responsible for filing all required tax returns and paying all applicable taxes in your jurisdiction.
From time to time, the Company may offer promotions, contests, sweepstakes, referral programs, bonus rewards, or other special offers (collectively, "Promotions") on or through the Platform. Each Promotion may be governed by its own additional rules, terms, and eligibility requirements, which will be presented to you at the time the Promotion is offered.
By participating in a Promotion, you agree to be bound by the applicable Promotion rules in addition to these Terms. In the event of a conflict between these Terms and the Promotion rules, the Promotion rules will govern with respect to that specific Promotion. The Company reserves the right to modify, suspend, or cancel any Promotion at any time, in its sole discretion, except as required by applicable law.
The Platform may contain links to, or interact with, websites, services, or content operated by third parties ("Third-Party Services"), including but not limited to: blockchain networks (Hedera Hashgraph), decentralized storage providers (Pinata, IPFS), wallet providers, exchanges, OCR and AI verification providers, cloud infrastructure providers, and social media platforms.
The Company does not control, endorse, or assume responsibility for any Third-Party Services, including their content, functionality, availability, privacy practices, security, or terms of service. Your use of any Third-Party Service is at your own risk and is governed by the terms and policies of the applicable third party. You are encouraged to review the terms and privacy policies of any Third-Party Service before using it.
The inclusion of any link or integration on the Platform does not constitute an endorsement by the Company of the linked Third-Party Service.
By submitting bills, receipts, comments, suggestions, ideas, feedback, or any other content or information to the Platform (collectively, "User Submissions"), you grant the Company a non-exclusive, sub-licensable, fully paid-up, royalty-free, perpetual, irrevocable, worldwide, transferable license to: use, reproduce, modify, adapt, publish, translate, distribute, display, perform, create derivative works from, and otherwise exploit such User Submissions in any form, medium, or technology now known or hereafter developed, for any lawful purpose including, but not limited to, operating, improving, and marketing the Platform.
You acknowledge and agree that the Company may use User Submissions (including bill images, extracted bill data, and metadata) to train, develop, improve, and validate artificial intelligence and machine learning models, including the Truth Scan model and other internal models, subject to applicable data protection laws and the Company's Privacy Policy.
You represent and warrant that, with respect to each User Submission you make:
The Company reserves the right, but has no obligation, to monitor, review, edit, or remove any User Submission at its sole discretion. The Company is not responsible for any User Submission and assumes no liability for the content, accuracy, or legality of any User Submission.
In addition to the prohibitions set forth elsewhere in these Terms, you agree that you will not:
The Company is committed to respecting the privacy of its Users. The Company's collection, use, storage, and disclosure of personal information are governed by the Bills on Chain Privacy Policy, available at [INSERT PRIVACY POLICY URL], which is incorporated by reference into these Terms. By accessing or using the Platform, you acknowledge that you have read and understood the Privacy Policy.
The Company does not warrant that the Platform will operate uninterrupted, error-free, secure, or virus-free. The Platform may be subject to scheduled maintenance, unscheduled downtime, technical issues, third-party service disruptions, and updates. Because the Company does not control the security of the internet or other networks you use to access the Platform, the Company is not responsible for the security of information transmitted to or from the Platform.
EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS, AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PLATFORM AND ALL SERVICES, CONTENT, AND MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. NO ADVICE OR INFORMATION OBTAINED FROM THE PLATFORM SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
WITHOUT LIMITING THE FOREGOING, THE COMPANY MAKES NO WARRANTY OR REPRESENTATION REGARDING: (A) THE PRESENT OR FUTURE VALUE OF $IDLE TOKENS, REWARD POINTS, OR NFTS; (B) THE LIQUIDITY OR TRADABILITY OF $IDLE TOKENS OR NFTS; (C) THE CONTINUED AVAILABILITY OF ANY BLOCKCHAIN NETWORK, INCLUDING HEDERA HASHGRAPH; (D) THE ACCURACY OR RELIABILITY OF OCR EXTRACTION OR AI VERIFICATION RESULTS; OR (E) THE SECURITY OR AVAILABILITY OF ANY THIRD-PARTY WALLET, EXCHANGE, OR INFRASTRUCTURE PROVIDER.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, OR ANY OF THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE PLATFORM, REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, STATUTE, OR OTHERWISE) AND EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
WITHOUT LIMITING THE FOREGOING, THE COMPANY SHALL NOT BE LIABLE FOR: (A) ANY LOSS OF $IDLE TOKENS, REWARD POINTS, OR NFTS RESULTING FROM YOUR ACTIONS, INACTIONS, OR FAILURE TO SECURE YOUR ACCOUNT OR WALLET; (B) ANY LOSS RESULTING FROM A DECLINE IN MARKET VALUE OF VIRTUAL ASSETS; (C) ANY LOSS RESULTING FROM BLOCKCHAIN NETWORK OUTAGES, FORKS, ATTACKS, OR CONGESTION; (D) ANY LOSS RESULTING FROM THE ACTIONS OR INACTIONS OF THIRD-PARTY SERVICE PROVIDERS, INCLUDING WALLETS, EXCHANGES, AND DECENTRALIZED STORAGE PROVIDERS; OR (E) ANY LOSS RESULTING FROM REGULATORY CHANGES OR ENFORCEMENT ACTIONS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE COMPANY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE PLATFORM SHALL NOT EXCEED THE GREATER OF (A) [INSERT CAP AMOUNT, E.G. USD 100] OR (B) THE TOTAL AMOUNT, IF ANY, PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. To the extent such exclusions or limitations are not enforceable in your jurisdiction, the Company's liability shall be limited to the maximum extent permitted by applicable law.
You agree to defend, indemnify, and hold harmless the Company, its affiliates, and their respective directors, officers, employees, agents, contractors, licensors, and service providers (the "Indemnified Parties") from and against any and all claims, demands, actions, proceedings, losses, liabilities, damages, costs, and expenses (including reasonable legal fees and court costs) arising out of or relating to: (a) your access to or use of the Platform; (b) your User Submissions; (c) your violation of these Terms or any applicable law; (d) your violation of any third-party right, including any intellectual property, privacy, or publicity right; (e) any fraudulent, illegal, or wilful misconduct on your part; or (f) any tax liability arising from your use of the Platform.
The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with the Company's defense of such matter.
The Company respects the intellectual property rights of others and expects its Users to do the same. If you believe that any content on the Platform infringes your copyright, trademark, or other intellectual property right, please submit a written notice to the Company at [email protected] containing the following information:
Upon receipt of a properly submitted notice, the Company will investigate and take appropriate action, which may include removing the allegedly infringing material and, where appropriate, notifying the User who submitted the material.
The Company reserves the right, in its sole discretion, to suspend, restrict, or terminate your Account and access to the Platform at any time, with or without notice, for any reason, including but not limited to: (a) any actual or suspected violation of these Terms; (b) any fraudulent, illegal, or harmful activity; (c) any failure to verify your identity or eligibility; (d) any request or order from a competent governmental, regulatory, or judicial authority; or (e) the discontinuation of the Platform or any part of the Services.
Upon suspension or termination of your Account, your right to access the Platform will immediately cease. The Company may, in its discretion, delete your Account data and any unredeemed Reward Points, subject to applicable law and the Company's record-retention obligations. Any NFTs already minted on the Hedera Hashgraph network in association with your prior bill submissions will remain on-chain, as on-chain records are immutable.
All provisions of these Terms that, by their nature, should survive termination — including, without limitation, intellectual property rights, disclaimers, limitations of liability, indemnification, and dispute resolution — shall survive termination of these Terms.
The Company reserves the right, in its sole discretion, to modify, amend, or update these Terms at any time. The Company will notify you of any material changes by posting the updated Terms on the Platform and updating the "Last Updated" date at the top of these Terms. Where required by applicable law, the Company will provide additional notice (such as by email).
Your continued access to or use of the Platform after the effective date of the modified Terms constitutes your acceptance of the modified Terms. If you do not agree with any modification, you must stop using the Platform and may close your Account. It is your responsibility to review these Terms periodically.
The Company shall not be liable for any failure or delay in performing its obligations under these Terms to the extent such failure or delay is caused by an event beyond its reasonable control (a "Force Majeure Event"). Force Majeure Events include, without limitation: acts of God; natural disasters (including earthquakes, floods, storms, fires, and pandemics); acts of war, terrorism, civil unrest, or government action; failures of public or private telecommunications networks; failures or outages of blockchain networks (including Hedera Hashgraph), decentralized storage networks, or cloud infrastructure providers; cyberattacks or other malicious activity; strikes, lockouts, or other labor disputes; and changes in law or regulation.
The Company's performance under these Terms shall be deemed suspended for the duration of any Force Majeure Event. The Company will use reasonable efforts to mitigate the effects of any Force Majeure Event and resume normal operations.
If you download the Application from a third-party app store, including the Apple App Store or the Google Play Store (each, an "App Store"), you acknowledge that:
These Terms shall be governed by and construed in accordance with the laws of [INSERT GOVERNING LAW JURISDICTION], without regard to its conflict-of-laws principles.
Before initiating any formal dispute resolution proceeding, the parties agree to attempt to resolve the dispute informally and in good faith. You agree to first contact the Company at [email protected] with a written description of the dispute, including your name, contact details, a description of the issue, the nature and basis of your claim, and the relief sought. The parties will then attempt in good faith to resolve the dispute through direct negotiation for a period of at least thirty (30) days.
If the dispute cannot be resolved informally within thirty (30) days, the dispute shall be finally resolved by [INSERT DISPUTE RESOLUTION MECHANISM — e.g., binding arbitration administered by [INSTITUTION] under [RULES], seated in [SEAT OF ARBITRATION], in the English language, by a sole arbitrator; OR the exclusive jurisdiction of the courts of [INSERT JURISDICTION]].
To the maximum extent permitted by applicable law, you and the Company agree that any dispute resolution proceeding under these Terms shall be conducted only on an individual basis and not in a class, collective, consolidated, or representative action. Neither party shall be entitled to bring or participate in a class action or representative proceeding against the other.
These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and the Company with respect to the Platform and supersede all prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and the Company.
If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be severed or modified to the minimum extent necessary, and the remaining provisions of these Terms shall continue in full force and effect.
The Company's failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. No waiver of any provision of these Terms shall be effective unless made in writing and signed by an authorized representative of the Company.
You may not assign or transfer these Terms, or any rights or obligations under these Terms, without the prior written consent of the Company. The Company may freely assign or transfer these Terms, in whole or in part, to any affiliate or in connection with a merger, acquisition, reorganization, or sale of assets. These Terms shall bind and inure to the benefit of the parties and their permitted successors and assigns.
All notices to the Company under these Terms shall be sent to [email protected] and to the registered office address listed in the Preamble. The Company may provide notices to you by email to the address on file with your Account, by posting on the Platform, or by any other reasonable means.
You agree to comply with all applicable export, re-export, and sanctions laws and regulations. You represent and warrant that you are not located in, and are not a resident or national of, any country or region subject to comprehensive sanctions, and that you are not listed on any restricted-party list maintained by the United Nations, the European Union, the United States, the United Arab Emirates, India, or any other applicable authority.
These Terms are drafted in the English language. Any translation of these Terms into another language is provided for convenience only. In the event of any inconsistency between the English version and any translation, the English version shall prevail to the maximum extent permitted by applicable law.
String Fintech HK Ltd.
Flat/RM 606 6/F Hollywood Centre
77-91 Queen`s Road West Sheung Wan HK
Email: [email protected]
Website: https://www.stringfintech.com/