Effective Date: June 24, 2026

These Terms and Conditions ("Terms") govern your access to and use of the website located at https://saifulkhandaker.framer.website/ ("Website").

By accessing or using this Website, you agree to be bound by these Terms.

1. Use of Website

You agree to use the Website only for lawful purposes and in accordance with these Terms.

You shall not:

• Violate applicable laws or regulations.

• Interfere with Website operation or security.

• Attempt unauthorized access to any systems or data.

• Use the Website to transmit malicious code.

• Engage in activities that could damage, disable, or impair the Website.

2. Intellectual Property Rights

Unless otherwise stated, all content on this Website, including but not limited to:

• Text

• Graphics

• Logos

• Images

• Videos

• Documents

• Presentations

• Trademarks

• Website design

is owned by or licensed to Dr. Saiful Khandaker and is protected by applicable intellectual property laws.

No content may be copied, reproduced, distributed, modified, published, or exploited without prior written permission.

3. Professional Information Disclaimer

Information provided on this Website is intended solely for general informational purposes regarding professional activities, ventures, research, advisory services, speaking engagements, and related initiatives.

Nothing on this Website constitutes legal, financial, investment, tax, business, or professional advice.

Users should seek independent professional advice before making decisions based on Website content.

4. No Investment Solicitation

Any references to companies, technologies, digital assets, blockchain initiatives, investment opportunities, or business ventures are provided for informational purposes only.

Nothing on this Website constitutes:

• An offer to sell securities;

• A solicitation to purchase securities;

• Investment advice; or

• A recommendation regarding any financial product or digital asset.

Any investment-related activities are subject to separate agreements and applicable laws.

5. Third-Party Links

The Website may contain links to third-party websites.

We do not endorse or assume responsibility for any third-party content, products, services, or websites.

Access to third-party websites is at your own risk.

6. User Communications

By submitting inquiries or communications through the Website, you grant us the right to respond and maintain records of such communications for legitimate business purposes.

You agree not to submit unlawful, defamatory, or harmful content.

7. Disclaimer of Warranties

The Website is provided on an "AS IS" and "AS AVAILABLE" basis.

We make no warranties, express or implied, regarding:

• Accuracy;

• Completeness;

• Reliability;

• Availability; or

• Fitness for a particular purpose.

Your use of the Website is entirely at your own risk.

8. Limitation of Liability

To the fullest extent permitted by law, Dr. Saiful Khandaker shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or relating to:

• Use of the Website;

• Inability to access the Website;

• Reliance on Website content; or

• Third-party services or links.

9. Indemnification

You agree to indemnify and hold harmless Dr. Saiful Khandaker, affiliates, representatives, employees, and agents from any claims, damages, liabilities, losses, or expenses arising from your use of the Website or violation of these Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, United States, without regard to conflict of law principles.

11. Changes to Terms

We reserve the right to modify these Terms at any time.

Changes become effective immediately upon posting to the Website. Continued use of the Website constitutes acceptance of revised Terms.

12. Contact Information

Questions regarding these Terms may be directed to:

Dr. Saiful Khandaker
Email: saiful@mi3inc.com
Website: www.saifulkhandaker.com