1. General Provisions

1.1 This agreement is entered into between the user (hereinafter referred to as the "Borrower" or "User") and UEEx Virtual Currency Exchange (hereinafter referred to as "UEEx") regarding the use of the collateralized lending services provided by the UEEx platform.

1.2 Before using UEEx's services, the user should carefully read and fully understand the contents of this agreement. By clicking the "Agree" button or otherwise accepting this agreement, the user acknowledges acceptance of all terms and conditions and agrees to be bound by them.

2. Definitions

2.1 Collateralized Lending: Refers to the behavior where the user pledges their held virtual currencies as collateral to borrow other virtual or fiat currencies via the UEEx platform.

2.2 Borrower: Refers to users who apply for and receive loans via the UEEx platform.

2.3 Collateral: Refers to virtual currencies pledged by users, including but not limited to BTC, ETH, etc.

3. User Eligibility

3.1 Users must be at least 18 years old with full legal capacity or be legally registered entities or organizations.

3.2 Users must ensure that all information provided is true, accurate, complete, and remains valid and up-to-date.

4. Account Registration and Security

4.1 Users must register an account as required by the platform before using UEEx's collateralized lending services.

4.2 Users are responsible for safeguarding their account information and passwords. UEEx is not liable for any loss caused by personal mishandling of account security.

5. Lending Process

5.1 When applying for a loan, users must submit the collateral and specify the loan amount and term as required by the platform.

5.2 UEEx will review the submitted collateral. Upon approval, the user will receive the corresponding loan.

5.3 Upon maturity, the user must repay the loan principal and interest on time. UEEx will unfreeze or dispose of the collateral based on the repayment status.

6. Interest Rates and Fees

6.1 Loan interest rates are determined by UEEx based on market conditions and user credit status and are specified in the loan contract.

6.2 Users are required to pay relevant service fees when using the UEEx platform. The specific fee standards are subject to official platform announcements.

7. Collateral Management and Disposal

7.1 Users may not dispose of their collateral during the loan term without authorization.

7.2 If the user fails to repay on time, UEEx has the right to dispose of the collateral according to this agreement and relevant policies to recover the owed debt.

8. Default Liability

8.1 If the user breaches any clause of this agreement, UEEx reserves the right to take actions including but not limited to suspending or terminating services, disposing of collateral, and pursuing legal liability.

8.2 The user shall bear compensation liability for any losses caused to UEEx due to their breach.

9. Risk Disclosure

9.1 The virtual currency market carries high risks. Users should fully understand such risks before engaging in lending activities.

9.2 Users should make prudent investment decisions based on their financial condition and risk tolerance.

10. Agreement Amendments and Termination

10.1 UEEx may amend this agreement from time to time due to changes in laws or operational needs. Amended agreements will be notified via platform announcements or other means, and users should stay informed.

10.2 If the user disagrees with the amended agreement, they have the right to discontinue use of UEEx services. Continued use indicates acceptance of the amended agreement.

10.3 Users may apply to close their accounts at any time but must ensure all loans are fully repaid. UEEx has the right to terminate services in the event of user violations.

11. Miscellaneous

11.1 This agreement constitutes the complete understanding between both parties and supersedes all previous oral or written agreements or understandings regarding the subject matter.

11.2 If any provision of this agreement is deemed invalid or unenforceable, the remaining provisions shall remain in full force and effect.

11.3 Section titles are for convenience only and shall not affect the interpretation of the clauses.

By clicking "Agree," the user confirms they have read, understood, and voluntarily agreed to be bound by the terms above.