1. Terms of Use

Last updated: June 4, 2026

These Terms of Use (“Terms”) govern your access to and use of the websites located at https://victorkurakocom.vercel.app/, https://victorkurako.com, https://trust.victorkurako.com/, any successor domain or subdomain controlled by WAGMI CLAIMS LLC, and any pages, forms, reports, content, interfaces, downloads, data rooms, access-code areas, or services made available through those properties (collectively, the “Site”). The Site is operated by WAGMI CLAIMS LLC (“Company,” “WAGMI,” “we,” “us,” or “our”).

By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1. Operator and site purpose

The Site is a personal-brand, portfolio, research, contact, and project-interface website operated by WAGMI CLAIMS LLC. It may describe projects, research, essays, code, contact paths, collaboration opportunities, design-partner opportunities, public studies, restricted verification materials, and claim- or workflow-related concepts.

Some Site areas may be public. Other Site areas may be restricted, redacted, private, access-code protected, magic-link protected, or available only to approved reviewers, researchers, administrators, journalists, legal reviewers, security reviewers, or other invited users.

The Site uses market-style interface language such as “buy,” “sell,” “trade,” prices, points, scores, listings, or similar terms. Unless we expressly state otherwise in a separate written agreement signed by WAGMI CLAIMS LLC, that language is fictional, thematic, and metaphorical only. It does not create a market, exchange, order book, securities offering, broker relationship, investment contract, financial promotion, claim-purchase offer, claim-sale offer, legal engagement, or binding commercial transaction.

2. Eligibility

You must be at least 18 years old, or the age of majority in your jurisdiction, to use the Site. You may not use the Site if you are prohibited from doing so by applicable law or if you are located in a jurisdiction where use of the Site would be unlawful.

3. No legal, financial, investment, tax, or professional advice

The Site is provided for general informational, research, commentary, and communication purposes only. The Site does not provide legal advice, financial advice, investment advice, tax advice, bankruptcy advice, accounting advice, audit advice, compliance advice, procurement advice, claims administration, claims brokerage, securities brokerage, escrow services, fiduciary services, or any other regulated professional service.

Nothing on the Site should be relied upon as a recommendation, solicitation, offer, or instruction to buy, sell, hold, transfer, assign, pledge, file, abandon, pursue, settle, or otherwise act with respect to any claim, asset, security, token, receivable, lawsuit, bankruptcy interest, or legal right.

You are responsible for obtaining advice from your own attorney, financial advisor, tax advisor, accountant, or other qualified professional before taking action based on any information on the Site.

4. No attorney-client relationship

Use of the Site, submission of a message, submission of a report, use of a contact form, or communication with us does not create an attorney-client relationship, attorney work-product protection, fiduciary relationship, confidential relationship, agency relationship, partnership, joint venture, or other special relationship.

Do not submit privileged, confidential, legally sensitive, non-public, personal, financial, medical, or claim-specific information unless and until you have a written agreement with the appropriate professional or entity authorizing that submission. We may review, delete, not respond to, or use your submission as described in these Terms and our Privacy Policy.

5. No claim filing, claim purchase, or recovery guarantee

Unless expressly stated in a separate signed agreement, the Site does not file claims, represent creditors, process bankruptcy recoveries, purchase claims, sell claims, broker claims, custody assets, transmit money, provide escrow, guarantee eligibility, guarantee distributions, guarantee recoveries, or guarantee any legal, financial, administrative, or commercial outcome.

Any references to recoveries, restricted jurisdictions, creditor pathways, legal technology, evidence packages, intake workflows, or automation are informational descriptions of concepts or projects only. Outcomes depend on facts, law, documentation, jurisdiction, third-party decisions, court or administrator decisions, sanctions/export restrictions, compliance review, deadlines, and other factors outside our control.

6. Research publications, studies, and trust subdomains

The Site may publish or make available research reports, articles, methodology notes, correction pages, source notes, data files, screenshots, images, PDFs, ZIP archives, code, spreadsheets, charts, social-post drafts, press notes, and other research or publication materials. These materials are provided for informational, research, commentary, verification, and correction-review purposes only.

Any public evidence-availability study, including materials hosted at https://trust.victorkurako.com/, is snapshot-based and limited by the stated methodology, dates, source materials, and correction process. Unless a report expressly says otherwise, a study does not determine audit validity, compliance status, security posture, legal compliance, procurement suitability, report expiration, report currency, auditor opinion, control effectiveness, company intent, misconduct, misrepresentation, or whether any company possesses a current report.

For the SOC 2 evidence-availability materials, gated SOC 2 PDFs were not reviewed unless a specific page says otherwise. References to badges, frameworks, public evidence, request-gated evidence, visible resources, no visible report resource, strict classifiers, ObjectId-derived metadata, uploaded-document ObjectId timing, or similar terms are methodology terms. They are not claims that any company lacks SOC 2, failed an audit, has an expired report, misrepresented compliance, or has ineffective controls.

ObjectId-derived timing, upload metadata, visible-resource age, or similar metadata analysis is a visible-metadata screen only. It is not a report-period analysis, expiration finding, audit-validity finding, official upload-date confirmation, or misconduct finding.

Research materials should not be used as a vendor blacklist, vendor rejection instruction, procurement directive, rating, ranking, investment recommendation, legal allegation, compliance determination, or substitute for reviewing the underlying evidence with qualified professionals.

We may correct, annotate, de-identify, restrict, temporarily remove, permanently remove, replace, or decline to update research materials at any time. Doing so does not admit error, falsity, liability, wrongdoing, defamation, trade libel, infringement, or legal obligation.

7. Restricted access, researcher data rooms, and access codes

The Site may provide restricted access to private or semi-private researcher views, unredacted pages, source Markdown, JSON sidecars, PDFs, ZIP archives, evidence files, launch notes, proof files, access-request pages, admin pages, and other non-public materials. Restricted access is provided only for approved verification, correction review, reproducibility review, legal review, security review, journalistic review, academic review, or other limited purposes we approve.

Access codes, passwords, sessions, cookies, and magic links are personal, non-transferable, revocable, and may be time-limited. You may not share them, sell them, publish them, transfer them, bypass them, automate against them, or use another person's credentials.

Unless we give written permission, you may not copy, redistribute, mirror, scrape, publish, upload, resell, sublicense, train models on, create public datasets from, or otherwise exploit restricted materials. You may not use restricted materials to reverse-identify redacted cases, publish company-level sensitive classifications, create named callout lists, disclose unredacted receipts, expose third-party confidential information, or make claims stronger than the public study and methodology support.

Restricted access does not create an NDA, embargo, source relationship, journalist-source relationship, attorney-client relationship, common-interest relationship, fiduciary relationship, confidential relationship, or other special relationship unless we separately agree in writing. We do not guarantee that restricted materials are complete, current, publication-safe, non-infringing, confidential, or suitable for your intended use.

We may log, monitor, audit, rate-limit, suspend, revoke, or deny restricted access at any time. We may preserve access records, request records, usage events, IP-derived fingerprints, user agents, email events, and related records to operate the Site, protect security, enforce these Terms, resolve disputes, and establish, exercise, or defend legal rights.

8. User submissions and messages

The Site may allow you to submit messages, contact requests, bug reports, corrections, security disclosures, URLs, text, files, or other materials (“Submissions”). You are solely responsible for your Submissions and represent that you have all rights necessary to provide them.

By submitting a Submission, you grant WAGMI CLAIMS LLC a non-exclusive, worldwide, royalty-free, sublicensable, transferable license to host, store, reproduce, modify, analyze, use, display, transmit, and create derivative works from the Submission for the purposes of operating the Site, responding to you, evaluating reports, evaluating research corrections, improving our work, protecting security, enforcing these Terms, complying with law, and documenting our business operations.

Submissions are not confidential unless we expressly agree in writing before you submit them. Do not submit confidential SOC 2 reports, audit reports, trade secrets, privileged material, customer data, employee data, credentials, private keys, source code, vulnerability details affecting third parties, personal data, or other non-public information unless we specifically request it through a secure process and you are authorized to provide it.

You agree not to submit anything that:

violates any law or third-party right;
contains malware, spyware, ransomware, worms, destructive code, or unauthorized tracking technology;
contains personal data, confidential information, trade secrets, privileged information, or regulated information that you do not have authority to provide;
is false, misleading, defamatory, harassing, threatening, obscene, abusive, or unlawful;
infringes copyright, trademark, privacy, publicity, contractual, or other rights;
attempts to trigger legal duties that we have not expressly accepted in writing; or
contains sensitive claim, bankruptcy, financial, identity, medical, or government-ID information unless we have specifically asked for it under a dedicated intake process.

We may remove, ignore, preserve, disclose, or use Submissions as allowed by law and these Terms.

9. Legal notices, takedown demands, and threatened claims

Legal notices, takedown demands, correction demands, cease-and-desist letters, subpoenas, litigation holds, preservation demands, rights requests, and threats of litigation must be sent to viktor.kurako@gmail.com and must identify the specific URL, statement, file, material, requested action, legal basis, and contact information for the requesting party.

We may route legal notices and disputes to counsel, insurers, hosting providers, service providers, law enforcement, or other appropriate recipients. We may preserve, disclose, restrict, annotate, or remove materials when we believe it is appropriate to comply with law, protect rights, investigate abuse, reduce risk, or defend against claims.

No failure to respond, delay in response, temporary restriction, correction, annotation, removal, or refusal to remove material is an admission of liability, falsity, wrongdoing, infringement, defamation, trade libel, or legal obligation.

10. Security reports and vulnerability disclosures

The Site may include a report center or security contact. Security reports must follow our Security and Responsible Disclosure Policy. You may not exploit, exfiltrate, alter, delete, disclose, or access data that does not belong to you. You may not perform denial-of-service testing, social engineering, phishing, spam, physical attacks, malware deployment, credential stuffing, persistence, lateral movement, or attacks against third-party providers.

Submitting a security report does not entitle you to compensation, a bounty, employment, credit, a response, or any particular remediation timeline unless we expressly agree in writing.

11. Intellectual property

The Site, including its text, design, layout, software, graphics, interface, trade dress, logos, names, project descriptions, essays, research, and other materials, is owned by WAGMI CLAIMS LLC or its licensors and is protected by intellectual property and other laws.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and view the Site for personal, informational, non-commercial use. You may not copy, scrape, reproduce, distribute, modify, create derivative works from, publicly display, sell, license, reverse engineer, or exploit the Site except as expressly allowed by law or by written permission from WAGMI CLAIMS LLC.

All trademarks, service marks, project names, trade names, logos, and branding appearing on the Site are the property of their respective owners. Reference to any third-party name, mark, platform, project, company, court, bankruptcy estate, administrator, exchange, or claim program does not imply endorsement, sponsorship, affiliation, or authorization unless expressly stated.

12. Third-party links and services

The Site may link to third-party websites or services, including code repositories, social profiles, hosting providers, analytics providers, communication tools, claim administrators, courts, publications, or other resources. We do not control third-party sites and are not responsible for their content, security, policies, availability, or practices. Your use of third-party sites is at your own risk and may be governed by third-party terms and policies.

13. Acceptable use

You agree not to:

use the Site for unlawful, deceptive, fraudulent, abusive, harassing, defamatory, infringing, or harmful purposes;
interfere with, disrupt, overload, scan, attack, probe, or compromise the Site or related infrastructure except as expressly allowed by our Security and Responsible Disclosure Policy;
bypass, disable, or interfere with security, access controls, rate limits, or technical restrictions;
scrape, crawl, harvest, or extract data from the Site without permission;
impersonate another person or entity;
submit false, misleading, or unauthorized information;
use the Site to send spam or unsolicited communications;
use the Site to develop, train, benchmark, or improve competing models, databases, or services without permission;
use restricted research materials to create public company callout lists, reverse-identify redacted cases, or publish stronger allegations than the underlying methodology supports;
misrepresent fictional interface language as an actual market, securities quote, claim quote, trading venue, investment opportunity, or binding offer; or
assist anyone else in doing any of the above.

14. Availability and changes

We may modify, suspend, discontinue, restrict, or remove any part of the Site at any time without notice. We may update these Terms from time to time. The “Last updated” date shows when the Terms were last revised. Your continued use of the Site after updates means you accept the updated Terms.

15. Disclaimers

THE SITE IS PROVIDED “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WAGMI CLAIMS LLC DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, SECURITY, QUIET ENJOYMENT, AVAILABILITY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

We do not warrant that the Site will be accurate, complete, current, uninterrupted, secure, error-free, free of harmful code, or suitable for your needs. Any reliance on the Site is at your own risk.

16. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WAGMI CLAIMS LLC AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES; LOST PROFITS; LOST REVENUE; LOST BUSINESS; LOST OPPORTUNITIES; LOST DATA; LOSS OF GOODWILL; BUSINESS INTERRUPTION; SECURITY INCIDENTS; CLAIM OR RECOVERY LOSSES; OR DAMAGES ARISING FROM YOUR USE OF, OR INABILITY TO USE, THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) USD $100; OR (B) THE AMOUNT YOU PAID DIRECTLY TO WAGMI CLAIMS LLC FOR USE OF THE SITE DURING THE THREE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you. In those jurisdictions, liability is limited to the maximum extent permitted by law.

17. Indemnification

You agree to defend, indemnify, and hold harmless WAGMI CLAIMS LLC and its members, managers, officers, employees, contractors, agents, affiliates, licensors, and service providers from and against any claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to: (a) your use of the Site; (b) your Submissions; (c) your violation of these Terms; (d) your violation of law or third-party rights; (e) your misuse of the Site’s fictional interface language, project descriptions, or contact/report functionality; (f) your misuse, redistribution, republication, or disclosure of restricted materials; or (g) claims arising from stronger statements, company callout lists, procurement decisions, or allegations you make based on Site materials.

18. Informal dispute resolution

Before initiating arbitration or litigation, you and WAGMI CLAIMS LLC agree to try to resolve any dispute informally. The party raising a dispute must send written notice describing the dispute, the relief requested, and contact information to the other party. Notices to WAGMI CLAIMS LLC must be sent to viktor.kurako@gmail.com and Mailing address available on request.

The parties will attempt in good faith to resolve the dispute for at least 30 days after notice is received, unless urgent injunctive relief is needed or applicable law requires otherwise.

19. Binding arbitration agreement

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES INDIVIDUAL ARBITRATION OF MOST DISPUTES AND LIMITS THE WAYS YOU AND WAGMI CLAIMS LLC CAN SEEK RELIEF.

Except for the exceptions below, any dispute, claim, or controversy arising out of or relating to these Terms, the Site, your use of the Site, Submissions, communications, privacy, security reports, disclaimers, or any relationship between you and WAGMI CLAIMS LLC will be resolved by binding individual arbitration, rather than in court.

The arbitration will be administered by the American Arbitration Association (“AAA”) under the AAA rules applicable to the dispute. If you are an individual using the Site for personal, family, or household purposes, the AAA Consumer Arbitration Rules will apply to the extent applicable. If the dispute is commercial or business-to-business, the AAA Commercial Arbitration Rules will apply. If AAA is unavailable or declines to administer the arbitration, the parties will confer in good faith to select a substitute arbitration provider. If they cannot agree, a court of competent jurisdiction may appoint a substitute arbitrator.

The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement. Texas law governs all other issues to the extent not preempted by federal law.

Arbitration location

The seat and place of arbitration will be Harris County, Texas, unless applicable law requires a different location for a consumer dispute or unless the arbitrator allows remote, telephone, video, or document-only proceedings. Hearings, if any, will take place in Houston, Harris County, Texas, unless the arbitrator determines that another method or location is required by applicable law or AAA rules.

Individual proceedings only

You and WAGMI CLAIMS LLC agree that arbitration will proceed only on an individual basis. Neither party may bring, participate in, maintain, or seek relief in any class, collective, consolidated, representative, private attorney general, or mass arbitration proceeding, except to the extent this waiver is prohibited by applicable law.

The arbitrator may award relief only to the individual party seeking relief and only to the extent necessary to resolve that individual party’s claim.

Exceptions

Either party may bring the following claims in court instead of arbitration:

claims that qualify for small claims court in Harris County, Texas, or another venue required by applicable law;
claims seeking temporary, preliminary, or permanent injunctive relief for intellectual property misuse, unauthorized access, security abuse, data misuse, scraping, confidentiality violations, or misuse of the Site;
claims that applicable law prohibits from being arbitrated; and
actions to compel arbitration, stay court proceedings, confirm an arbitration award, modify an arbitration award, or enforce an arbitration award.

Arbitration fees

Fees will be allocated according to the applicable AAA rules and applicable law. If a consumer arbitration clause registration, review, or business fee is required by AAA rules or policies, WAGMI CLAIMS LLC will comply to the extent required for AAA to administer the case.

Opt-out

You may opt out of this arbitration agreement within 30 days after you first accept these Terms by sending written notice to viktor.kurako@gmail.com with the subject line “Arbitration Opt-Out.” Your notice must include your name, email address, mailing address, and a clear statement that you want to opt out of arbitration with WAGMI CLAIMS LLC. Opting out of arbitration does not affect any other part of these Terms.

20. Jury trial waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND WAGMI CLAIMS LLC WAIVE ANY RIGHT TO A JURY TRIAL IN ANY DISPUTE ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE.

21. Class action waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND WAGMI CLAIMS LLC AGREE THAT EACH MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS MEMBER, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL IN ANY CLASS, COLLECTIVE, CONSOLIDATED, REPRESENTATIVE, OR MASS ACTION.

If a court or arbitrator determines that this class action waiver is unenforceable as to a particular claim or request for relief, then that claim or request for relief must be severed and brought in a court of competent jurisdiction, while all remaining claims proceed in arbitration.

22. Limitation period for claims

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE MUST BE FILED WITHIN ONE YEAR AFTER THE CLAIM ACCRUES. OTHERWISE, THE CLAIM IS PERMANENTLY BARRED. This limitation does not apply where prohibited by law.

23. Governing law and court venue

These Terms and all disputes are governed by the laws of the State of Texas, without regard to conflict-of-law rules, and by applicable federal law, including the Federal Arbitration Act where applicable.

For any dispute not subject to arbitration, or for any court proceeding related to arbitration, the exclusive venue and jurisdiction will be the state courts located in Harris County, Texas, or the United States District Court for the Southern District of Texas, Houston Division, as applicable. You and WAGMI CLAIMS LLC consent to personal jurisdiction and venue in those courts and waive objections based on inconvenient forum or improper venue.

24. Export, sanctions, and restricted jurisdictions

You may not use the Site in violation of U.S. export control laws, sanctions laws, anti-money laundering laws, anti-bribery laws, or other applicable restrictions. We may restrict or decline communications, submissions, transactions, or services involving restricted persons, restricted jurisdictions, sanctioned parties, blocked property, or prohibited conduct.

25. Termination

We may block, suspend, restrict, revoke codes, expire sessions, or terminate your access to the Site at any time, with or without notice, if we believe you violated these Terms, created risk, submitted improper content, engaged in security abuse, misused restricted materials, or used the Site unlawfully.

26. Severability

If any provision of these Terms is found unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions will remain in effect.

27. Entire agreement

These Terms, together with the Privacy Policy, Cookie Policy, Disclaimer, Security and Responsible Disclosure Policy, DMCA Policy, and any additional terms we expressly provide, are the entire agreement between you and WAGMI CLAIMS LLC regarding the Site.

28. Contact

WAGMI CLAIMS LLC Mailing address available on request Email: viktor.kurako@gmail.com