Legal Notice

Introduction

Trade finance has catalysed the expansion of international trade in the past century. Bank-intermediated transactions now represent more than a third of world trade, worth trillions of dollars each year. In this context, trade finance allows companies to mitigate the risks associated with importing or exporting goods and services, permitting world trade to flow predictably and securely. Engaging in world trade holds enormous business potential. Yet, many companies, especially small- and medium-sized enterprises (SMEs), depend on access to banking services to unlock new markets. SMEs are the backbone of the global economy, representing around 95% of the world's companies and 60% of private sector jobs. They play a significant role in promoting employment and social cohesion. Financial inclusion, that is, financial products and services accessible and affordable to all businesses, is a fundamental pillar of a healthy trade ecosystem. As digital information becomes more accessible, convenient, and available, the trade finance industry is gradually modernising and digitally transforming.

Incorporating technologies could help address the trade finance gap to better include SMEs in trade, resulting in suppliers and buyers benefiting from cost reductions, access to liquidity, reduced transaction complexity, and greater access to B2B markets. Furthermore, while the trade finance industry has been even slower to digitise than the supply chain, post-financial-crisis pressure on banks and the rise of competition from FinTech have catalysed a great deal of movement lately. For example, blockchain is now a fundamental technology with many significant projects and consortia coming online. Distributed Ledger Technology (DLT) has moved banks to collaborate with new technology or FinTech companies to design and build new solutions. Established banks have also become more open to working with third-party technology providers. It is good news for trade finance that so many parties are interested and willing to fund the digitisation of the trade finance market, which for decades has been a grey mouse in the banking world regarding innovation and automation. In the end, buyers and sellers will benefit from a more tightly related industry, where adjacent players team up and offer joint solutions that leverage new technologies.

The Tradeleaf project was founded in response to the challenges facing trade finance markets and new innovative technologies. Tradeleaf strives to provide international traders with the most modern, traditional, and alternative financial instruments and solutions. It also enables lenders and investors to invest in various classes of financial assets. Tradeleaf’s challenge is to find, research, and develop the best use cases, connect the right parties, and place new solutions into commercially viable business models.

Legal Notice

This document is a whitepaper for the Tradeleaf project (this "Whitepaper") and is provided by Tradeleaf Solutions Ltd., a BVI business company (the "Company", "we", "us", "our"), which is the developer of the Tradeleaf project (the "Tradeleaf Project"), including the developer of the Tradeleaf platform (the "Tradeleaf Platform") and the issuer of the TLF (Tradeleaf) cryptographic token (the "TLF token"). All information provided in this Whitepaper is for informational purposes only and to obtain feedback and discussion with regards to our current vision of the Tradeleaf Project, including the TLF token’s place within the Tradeleaf Project. This Whitepaper may be revised and amended by the Company at any time without prior notice. Nothing in this Whitepaper suggests a legal relationship between the recipient of this Whitepaper ("you", "your") and the Company, nor is it legally binding to the Company or any other person.

This Important Notice applies to any statements, announcements, and communications made by the Company as well as any other information communicated to you by or on behalf of the Company, as well as with respect to the Tradeleaf Project or this Whitepaper (collectively, the "Communications"). Please read this Legal Notice carefully before using, referring to, or relying on any information contained in this Whitepaper and/or any of the Communications.

The Information Provided in this Whitepaper and Communications

This Whitepaper and any Communications are provided for informational purposes only and should not be relied upon in whole or in part in making any decision. We do not warrant or represent, directly or indirectly, that any of the information contained in this Whitepaper or Communications is true, complete, timely, reliable, accurate, sufficient, non-infringing, or fit for a particular purpose, and we do not undertake to update or correct such information. We are not responsible for the accuracy or completeness of the information provided in this Whitepaper or the Communications; therefore, any use of such information is at your discretion and risk — you will be solely responsible for any potential loss or damage resulting from its use. You should always conduct your own independent research and thorough analysis.

This Whitepaper and the Communications may also contain references to third-party data and industry publications. While we believe that such data is accurate, there is no guarantee of this, nor whether such data is complete. We have not independently verified any data from third-party sources referenced herein, nor have we confirmed the underlying assumptions relied upon by such sources. Any reference to such third-party data and industry publications does not imply that we endorse them. We cannot and do not guarantee the accuracy of the statements or conclusions made in this Whitepaper or the Communications.

Forward-looking statements

This Whitepaper and the Communications may contain forward-looking statements and projections based on current expectations that involve risks and uncertainties. All opinions, forecasts, estimates, future plans, or other statements other than that of historical fact are forward-looking statements. Any development plans, forecasts, business projections, future functionality, projected performance of the Company, the Tradeleaf Project, and/or their future prospects in any industry are forward-looking statements.

Forward-looking statements, by their nature, relate to matters that are in some way uncertain or unknown. We cannot guarantee that any forward-looking statements will prove to be correct. Actual events, results, or outcomes could differ materially in a forward-looking statement, and you should not place any undue reliance on any such. These risks and uncertainties include the effects of economy, competition, technicality and other factors affecting the Tradeleaf Platform, the TLF token, the Company and/or its operations, including, but not limited to, the following: developments in science and technology, developments in the Company's competitive industry, regulatory uncertainty and government action, new regulations and laws, market changes, Tradeleaf Project execution and other business/market conditions.

No Advice or Recommendations

No part of this Whitepaper or the Communications shall be construed as business, legal, financial, investment, or tax advice, nor broker advice on any matter to which all or any part of such information relates. You should consult your professional advisors concerning legal, financial, investment, or tax matters.

Risks Disclosure Statement

To the extent possible under applicable law and regulation, in no event shall the Company, its employees, directors, shareholders, officers, consultants, representatives, agents and/or contractors be liable nor responsible for any direct, indirect, special, punitive, exemplary, incidental, or consequential loss or damage of any kind, in addition to damages to goodwill, lost profits (including anticipated), loss of data, diminution in value or a business interruption arising out of or in connection with this Whitepaper or the Communications or any use of or reliance upon them, the risks and risk factors set forth in the "Risks Disclosure Statement section contained at the end of this Whitepaper, and any inaccuracies or omissions in this Whitepaper or the Communications, whether based on breach of warranty or contract, negligence, liability, tort, or any other legal theory, regardless of whether we have been advised of the possibility of such damages or losses.