# Important Legal Notice Do not use the Services (as defined in our Terms of Use ("Terms")) if you are not an expert in Digital Assets and blockchain technology. By using the Services, you shall be deemed to have read the Terms in full and to agree to be bound by them. CMBT Labs Inc. is the development company ("DevCo") for the Credit Coop Protocol. CMBT Labs provides a software interface and tooling layer that enables interaction with independent smart contracts and protocol components. CMBT Labs does not operate the Credit Coop Protocol, make lending or credit decisions, or act as a lender, broker, investment adviser, or financial intermediary. The Credit Coop Protocol is stewarded and operated by Lockbox Foundation, a Cayman Islands foundation company, which is not a party to the Terms. The Services are provided "as is" and "as available," without any representation or warranty of any kind, whether express, implied, or statutory. CMBT Labs expressly disclaims all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Transactions involving Digital Assets entail substantial risk, including the risk of total loss. CMBT Labs expressly disclaims all liability for any claims, damages, losses, or expenses of any kind arising from or related to your use of, or inability to use, the Services. Access to the Services is strictly limited to Accredited Investors, Professional Investors, and Qualified Participants as defined under applicable law. The Services are not available to retail or consumer investors. By accessing or using the Services, you are entering into a binding agreement with CMBT Labs that includes the Terms and Privacy Policy. If you do not agree, you must not use the Services.\ \ All notices and legal enquiries: --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.creditcoop.xyz/legal/important-legal-notice.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.