第一章 总则

 

第一条 目的与依据

 

为建立健全网站智慧点的规范管理体系，保障用户合法权益，营造安全、稳定、公平且有序的网站经济生态环境，依据国家现行有效的互联网金融、电子商务、虚拟财产保护等相关法律法规，以及本网站的服务协议、运营规则和章程，结合网站智慧点业务的实际运营情况和发展需求，特制定本管理办法。

 

第二条 适用范围

 

本办法适用于本网站内智慧点从产生到消亡全过程的所有活动环节，涵盖智慧点的发行、分配、获取、持有、流通、交易、兑换、回收、销毁等各个方面。本网站的所有注册用户、合作伙伴、第三方服务提供商以及其他以任何形式参与到网站智慧点相关活动中的个人和组织，均须严格遵守本办法的各项规定。

 

第三条 智慧点定义

 

本网站所发行的智慧点，是基于本网站的运营架构和业务场景所创设的一种数字化权益凭证，以特定的电子数据形式存在，仅在本网站平台内部具有预先设定的、有限的使用价值和功能，用于兑换网站内的特定商品、服务、虚拟权益或参与特定活动等。智慧点不具有法定货币的地位、属性和职能，严禁在网站外部的任何场景下进行流通、交易、兑换或作为价值尺度使用，其价值不与任何法定货币或现实世界的金融资产挂钩，且不受任何国家或地区的货币政策、金融监管体系的直接约束和保护。

 

第二章 发行与管理

 

第四条 发行原则

 

1. 合法性原则：智慧点的发行必须严格遵循国家法律法规的要求，确保发行活动的每一个环节均合法合规，不得违反金融监管规定、反洗钱法、消费者权益保护法等相关法律的禁止性和强制性规定，严禁以任何形式规避法律监管或从事非法金融活动。

2. 稳定性原则：发行数量应根据网站的业务发展规划、用户规模、市场需求预测以及平台的承载能力等因素进行科学合理的规划和控制，避免因发行过量或过少导致智慧点的价值大幅波动，影响用户对其的信任和使用体验，进而危及网站的经济秩序和稳定运营。

3. 透明度原则：网站应通过明确、易懂且公开的方式向用户披露智慧点的发行总量、发行机制、获取途径、使用规则、销毁机制等关键信息，确保用户在充分了解的基础上参与智慧点的相关活动，保障用户的知情权和选举权，使发行过程处于用户和社会的有效监督之下。

 

第五条 发行方式

 

1. 用户付费购买：用户可以使用法定货币按照网站预先设定的兑换比率购买一定数量的智慧点，购买方式应确保安全、便捷、合法，且网站应向用户提供明确的购买流程指引、支付渠道说明以及相应的发票或购买凭证（如适用）。

2. 平台奖励发放：网站根据用户在平台上的活跃行为、贡献程度、参与特定活动的表现等因素，以智慧点的形式给予用户奖励。奖励规则应事先制定并向用户公布，确保奖励的公平性、合理性和可预期性，例如用户每日登录签到、分享网站内容、邀请新用户注册、参与社区建设等行为均可获得相应的智慧点奖励。

3. 营销推广赠送：在网站开展的各类市场营销活动、促销活动、新用户注册礼包、节日福利等场景下，向用户免费赠送一定数量的智慧点，以吸引新用户、回馈老用户、提升用户活跃度和平台的市场竞争力。赠送活动应明确活动规则、起止时间、赠送条件和数量限制等关键信息，防止因规则不明引发用户纠纷或误解。

 

第六条 管理职责

 

1. 虚拟货币管理团队组建：网站应设立专门的、独立的智慧点管理团队，团队成员应包括具备金融、经济、法律、技术、运营等专业背景和丰富经验的人员，确保从多个维度对智慧点进行全面、专业、有效的管理。

2. 日常运营管理：负责智慧点的发行计划制定与执行、账户系统的维护与管理、交易数据的记录与统计分析、用户权益的保障与维护等日常运营工作，确保智慧点的发行、流通和使用顺畅无阻，及时处理用户在使用过程中遇到的各类问题和咨询，如账户余额查询、交易记录核实、智慧点到账延迟等问题。

3. 风险监控与防范：建立健全风险监测体系和预警机制，对智慧点的交易行为、市场价格波动、资金流向、用户异常行为等进行实时监控和分析，及时发现和识别潜在的风险因素，如市场操纵、洗钱风险、欺诈交易、技术漏洞等，并采取有效的风险防范和处置措施，如限制异常交易、冻结可疑账户、修复技术漏洞、向相关监管部门报告等，确保智慧点业务的风险可控。

4. 合规审查与监督：定期对智慧点的业务活动进行内部合规审查，确保各项业务操作符合本办法以及国家法律法规的要求，监督团队成员和其他相关人员严格遵守管理规定和操作流程，防止内部违规操作和腐败行为的发生，同时积极配合外部监管机构的检查和监督工作，及时提供所需的资料和信息，确保智慧点业务的合规运营。

 

第三章 使用与兑换

 

第七条 使用范围

 

1. 虚拟商品和服务购买：用户可以使用智慧点购买网站内提供的各种虚拟商品，如数字书籍、在线音乐、视频会员权益、游戏道具、虚拟形象装扮、电子贺卡、在线课程等，以及虚拟服务，如网站增值服务、付费咨询、专属客服服务、优先参与权等，以丰富用户在网站上的体验和享受个性化的服务。

2. 实体商品兑换：网站可根据自身的业务模式和合作资源，设置部分实体商品的兑换通道，用户可以使用积累的智慧点兑换具有一定价值的实体商品，如电子产品、生活用品、办公用品、文创产品等。兑换的实体商品应保证质量可靠、来源合法，并明确标注兑换所需的智慧点数量、商品规格、库存情况、发货方式和时间等信息，确保用户兑换过程的顺利进行。

3. 参与平台活动：网站举办的各类线上线下活动，如抽奖、竞赛、投票、众筹、公益活动等，用户可以使用智慧点作为参与资格凭证或兑换活动门票、活动奖励等，增加用户对平台活动的参与度和积极性，提升平台的活跃度和用户粘性。

 

第八条 兑换政策

 

1. 兑换比率设定：网站将综合考虑虚拟货币的获取成本、市场供需关系、平台运营成本、实体和虚拟商品及服务的价值评估等多种因素，制定合理的智慧点与法定货币、虚拟商品、服务以及实体商品之间的兑换比率，并在网站的显著位置公布兑换比率表及相关说明，兑换比率应保持相对稳定，但网站有权根据市场变化、成本波动、业务调整等合理因素适时进行调整。

2. 兑换审核机制：为保障兑换过程的公平性、合法性和安全性，网站将建立兑换审核机制。用户在提交兑换申请后，网站将对用户的账户信息、兑换资格、兑换物品的库存情况、兑换行为的真实性和合规性等进行审核。审核内容包括但不限于用户是否存在违规行为、账户是否处于正常状态、兑换是否符合相关规则和限制条件等。审核时间应明确告知用户，一般情况下应在 3 个工作日内完成审核并反馈审核结果，如遇特殊情况（如大规模兑换活动、技术故障等）可适当延长审核时间，但应及时通知用户并说明原因。

 

第四章 账户安全与风险提示

 

第九条 账户管理

 

1. 注册认证流程：用户必须通过网站提供的官方、唯一且安全的注册渠道进行账户注册，注册过程应遵循实名认证原则，要求用户提供真实、准确、完整且有效的个人信息，如姓名、身份证号码（或其他有效身份证明文件号码）、联系方式（手机号码、电子邮箱等）、常住地址等，并通过手机短信验证码验证、邮箱验证、身份证照片上传审核（如必要）等方式完成身份认证，确保账户与用户真实身份的绑定，防止虚假注册和身份冒用。

2. 安全保障措施：用户应妥善保管自己的账户登录凭证，包括用户名、密码、短信验证码、邮箱验证码等重要信息，不得向任何第三方泄露。建议用户设置高强度密码，并定期更换密码，避免使用简单、易猜测的密码，如生日、电话号码、连续数字或字母等。同时，用户在登录账户时应注意防范网络钓鱼、恶意软件攻击、黑客入侵等安全风险，避免在不安全的网络环境（如公共 Wi-Fi 网络）下登录账户，使用正版的操作系统、浏览器和杀毒软件，并及时更新软件版本和安全补丁，以保障账户的安全稳定。

3. 账户安全责任：用户对其账户的安全负有最终责任，如因用户自身原因导致账户被盗用、密码泄露、智慧点被非法转移或使用等情况发生，用户应自行承担由此产生的全部损失。但网站应在技术能力范围内采取合理的安全防护措施，如数据加密存储、访问控制、安全漏洞监测与修复、风险预警等，保障用户账户信息的安全，并在发现用户账户存在异常情况时，及时通知用户并协助用户采取措施保护账户安全，如冻结账户、协助用户找回密码、调查异常交易等。

 

第十条 风险提示

 

1. 虚拟货币特性风险：网站应通过多种方式向用户充分揭示智慧点的固有特性和潜在风险，如智慧点的价值波动风险、技术风险、信用风险、市场风险、政策风险等。由于智慧点的价值不依赖于任何实物资产或法定货币的支撑，其价格可能会因市场供求关系、用户预期、平台运营状况、技术更新换代、政策法规变化等多种因素的影响而产生较大波动，用户在持有和使用智慧点过程中可能面临智慧点贬值导致资产缩水的风险。同时，智慧点依赖于特定的技术平台和网络环境，如果发生技术故障、黑客攻击、数据丢失等情况，可能会影响用户对智慧点的正常使用和权益保障。

2. 风险告知方式：在用户注册账户、首次购买或获取智慧点、进行智慧点交易或兑换等关键环节，网站应以显著的方式向用户展示风险提示信息，如弹出风险提示框、要求用户阅读并勾选风险确认书、在网站页面的显著位置展示风险提示标语或链接等，确保用户在参与智慧点相关活动之前充分了解可能面临的风险。风险提示信息应采用通俗易懂的语言，详细说明各类风险的具体表现形式、产生原因、可能导致的后果以及用户的应对措施和建议，使用户能够清晰地认识到虚拟货币投资和使用的风险性和复杂性，理性对待智慧点相关活动。

 

第五章 违规与处罚

 

第十一条 违规行为

 

1. 非法交易行为：包括但不限于未经网站许可擅自进行智慧点的私下交易、与第三方平台或个人进行智慧点的场外交易、通过非法手段获取智慧点后进行交易获利（如利用漏洞刷点、盗号转移智慧点后交易等）、使用智慧点进行洗钱、赌博、诈骗等违法金融活动或其他违反法律法规的交易行为，严重扰乱网站的正常经济秩序和金融生态环境，损害其他用户和网站的合法权益。

2. 恶意扰乱秩序行为：通过恶意刷量、恶意抢购、恶意囤积智慧点、操纵智慧点市场价格、利用虚假信息或欺诈手段骗取智慧点或其他用户的财物、发布不实信息误导其他用户的交易决策、对网站的服务器或系统进行攻击以影响智慧点的正常发行和交易等行为，破坏网站的公平竞争环境和正常运营秩序，妨碍其他用户的正常使用体验和权益实现。

3. 违反平台规则行为：不遵守网站关于智慧点的使用规则、兑换规则、账户管理规则、活动参与规则等各项规定，如超出规定的使用范围使用智慧点、违反兑换限制条件进行兑换、提供虚假信息进行注册或获取智慧点、恶意利用平台漏洞获取不当利益、违反平台的社区准则和行为规范使用智慧点进行不当言论或行为等，影响网站的正常管理和运营效率，损害网站的信誉和形象。

 

第十二条 处罚措施

 

1. 警告与教育：对于初次轻微违规或情节较轻的用户，网站将通过站内信、系统消息、弹窗提醒等方式向用户发出警告通知，明确指出用户的违规行为和违反的具体规定，同时对用户进行相关法律法规和平台规则的教育，要求用户立即停止违规行为，并承诺今后遵守规则，如用户在收到警告后能够及时改正，可不予进一步处罚。

2. 限制使用与功能限制：对于情节较为严重的违规行为，网站将对用户的账户采取限制使用措施，包括但不限于限制智慧点的交易功能、兑换功能、使用场景、每日使用限额、冻结部分或全部智慧点余额等，限制期限根据违规情节的轻重而定，一般为 7 天至 30 天不等，在此期间用户无法正常使用被限制的功能或智慧点，直至用户满足解除限制的条件（如完成整改、缴纳罚款等），经网站审核通过后方可恢复正常使用。

3. 账户冻结与封禁：对于严重违规或多次违规且屡教不改的用户，网站将冻结其账户，停止该账户的所有活动，包括智慧点的交易、使用、兑换等，禁止用户登录账户访问网站相关内容和服务。在冻结账户的基础上，如用户的违规行为特别恶劣，如涉及重大违法犯罪行为、对网站造成严重经济损失或声誉损害等，网站有权永久封禁该账户，并将相关情况报告给有关监管部门或执法机构，依法追究用户的法律责任，同时网站保留对违规用户采取法律行动的权利，要求用户赔偿因违规行为给网站造成的全部损失，包括但不限于直接经济损失、间接经济损失、名誉损失、维权费用（律师费、诉讼费、公证费等）。

4. 智慧点回收与清零：对于因违规行为获取的智慧点，网站有权进行回收，包括通过非法交易、欺诈手段、利用漏洞等方式获得的智慧点，将从用户账户中扣除相应数量的智慧点，并对违规交易进行撤销或纠正，使智慧点的流通和使用恢复到合法、正常的状态。在某些严重违规情况下，如用户的行为严重破坏了智慧点的经济体系或公平性，网站有权将用户账户中的全部智慧点清零，取消用户的所有智慧点权益，以维护智慧点的稳定和公正。

 

第六章 附则

 

第十三条 解释权

 

本网站对本管理办法拥有最终解释权，并在法律框架下进行适时更新与调整，以确保其符合法律法规的要求和网站运营的实际需要，同时充分考虑用户的合理诉求和行业惯例，保障用户的合法权益和智慧点业务的健康发展。如用户对本办法的解释存在疑问或异议，可通过网站提供的官方渠道（如客服热线、在线客服、投诉邮箱等）向网站提出咨询或申诉，网站将在收到反馈后的 5 个工作日内给予回复和解答，确保用户的问题能够得到及时、有效的处理。

 

第十四条 生效与修订

 

1. 生效日期：本办法自 2025 年 1 月 10 日起正式生效。生效后，所有用户和相关方均应严格遵守本办法的各项规定，确保智慧点业务的规范开展。在生效前已经发生的与智慧点相关的行为，如果符合当时的网站规则和法律法规，原则上按照原规则执行；如果存在与本办法相冲突的情况，应根据本办法的规定进行调整和规范，但对于已经完成且无法逆转的交易或行为，可根据实际情况进行个案处理，在保障用户合法权益的前提下，确保智慧点业务的平稳过渡和衔接。

2. 修订机制：网站有权根据国家法律法规的调整、政策变化、行业发展动态、技术创新、市场需求变化、用户反馈意见以及网站自身业务发展和运营管理的需要，适时对本办法进行修订和完善。修订过程应遵循严格的内部审批程序，确保修订内容的合理性、必要性和合法性。在修订完成后，网站将通过在网站首页发布公告、向用户发送电子邮件通知、站内信推送等多种方式向用户公布修订后的管理办法，并明确告知修订的内容、生效日期以及用户的应对措施和注意事项，给予用户合理的时间适应修订后的规则。用户在修订后的办法生效后继续使用智慧点相关服务，即视为用户已经充分阅读、理解并同意接受修订后的管理办法；如用户不同意修订后的办法，有权停止使用智慧点相关服务，并按照网站规定的程序申请账户注销或资产清算（如适用），但应在规定的时间内完成相关操作，否则视为用户同意接受修订后的规则约束。

 

 

Chapter 1 General Provisions

 

Article 1 Purpose and Basis

 

In order to establish and improve the standardized management system for the website’s Wisdom Points, safeguard the legitimate rights and interests of users, and create a safe, stable, fair and orderly economic ecological environment for the website, this management method is specially formulated in accordance with the currently effective laws and regulations related to Internet finance, e-commerce, virtual property protection and other relevant laws and regulations of the state, as well as the service agreements, operation rules and charters of this website, combined with the actual operation situation and development needs of the website’s Wisdom Points business.

 

Article 2 Scope of Application

 

This method applies to all activity links in the whole process from the generation to the disappearance of Wisdom Points within this website, covering all aspects such as the issuance, distribution, acquisition, holding, circulation, trading, exchange, recovery and destruction of Wisdom Points. All registered users of this website, partners, third-party service providers and other individuals and organizations that participate in the activities related to the website’s Wisdom Points in any form shall strictly abide by the provisions of this method.

 

Article 3 Definition of Wisdom Points

 

The Wisdom Points issued by this website are a kind of digital equity vouchers created based on the operation structure and business scenarios of this website. They exist in the form of specific electronic data and only have preset and limited use values and functions within the platform of this website. They are used to exchange for specific goods, services, virtual rights and interests within the website or participate in specific activities, etc. Wisdom Points do not have the status, attributes and functions of legal tender, and are strictly prohibited from being circulated, traded, exchanged or used as a measure of value in any scenarios outside the website. Their values are not linked to any legal tender or financial assets in the real world, and are not directly restricted and protected by the monetary policies or financial supervision systems of any country or region.

 

Chapter 2 Issuance and Management

 

Article 4 Issuance Principles

 

1. Principle of Legality: The issuance of Wisdom Points must strictly comply with the requirements of national laws and regulations to ensure that every link of the issuance activity is legal and compliant, and shall not violate the prohibitive and mandatory provisions of relevant laws such as financial supervision regulations, the Anti-Money Laundering Law and the Consumer Rights and Interests Protection Law. It is strictly prohibited to avoid legal supervision in any form or engage in illegal financial activities.

2. Principle of Stability: The issuance quantity should be planned and controlled scientifically and reasonably according to factors such as the business development plan of the website, the user scale, the market demand forecast and the carrying capacity of the platform, so as to avoid large fluctuations in the value of Wisdom Points caused by excessive or insufficient issuance, which may affect users’ trust and usage experience and then endanger the economic order and stable operation of the website.

3. Principle of Transparency: The website should disclose key information such as the total issuance amount, issuance mechanism, acquisition channels, usage rules and destruction mechanism of Wisdom Points to users in a clear, understandable and public manner, so as to ensure that users participate in the activities related to Wisdom Points on the basis of full understanding, safeguard users’ right to know and right to choose, and make the issuance process under the effective supervision of users and the society.

 

Article 5 Issuance Methods

 

1. User-Paid Purchase: Users can use legal tender to purchase a certain number of Wisdom Points according to the exchange rate preset by the website. The purchase method should ensure safety, convenience and legality, and the website should provide users with clear purchase process guidelines, payment channel descriptions and corresponding invoices or purchase vouchers (if applicable).

2. Platform Reward Issuance: The website will give users rewards in the form of Wisdom Points according to factors such as users’ active behaviors, contribution degrees and performance in participating in specific activities on the platform. The reward rules should be formulated in advance and announced to users to ensure the fairness, rationality and predictability of the rewards. For example, users can obtain corresponding Wisdom Points rewards for behaviors such as daily login and sign-in, sharing website content, inviting new users to register and participating in community construction.

3. Marketing Promotion and Gift: In various marketing activities, promotional activities, new user registration gift packages, festival welfare and other scenarios carried out by the website, a certain number of Wisdom Points will be given to users for free to attract new users, give back to old users, enhance user activity and the market competitiveness of the platform. The key information such as activity rules, start and end time, gift conditions and quantity limits of the gift activities should be clearly defined to prevent user disputes or misunderstandings caused by unclear rules.

 

Article 6 Management Responsibilities

 

1. Formation of the Virtual Currency Management Team: The website should establish a specialized and independent Wisdom Points management team. Team members should include those with professional backgrounds and rich experience in finance, economics, law, technology and operation to ensure comprehensive, professional and effective management of Wisdom Points from multiple dimensions.

2. Daily Operation Management: Be responsible for formulating and implementing the issuance plan of Wisdom Points, maintaining and managing the account system, recording and statistically analyzing transaction data, safeguarding and maintaining users’ rights and interests and other daily operation work, so as to ensure the smooth issuance, circulation and use of Wisdom Points, and timely handle various problems and inquiries encountered by users in the process of use, such as account balance inquiry, transaction record verification and delay in the arrival of Wisdom Points.

3. Risk Monitoring and Prevention: Establish and improve the risk monitoring system and early warning mechanism, conduct real-time monitoring and analysis on the trading behaviors, market price fluctuations, capital flows and abnormal user behaviors of Wisdom Points, timely discover and identify potential risk factors such as market manipulation, money laundering risks, fraudulent transactions and technical loopholes, and take effective risk prevention and disposal measures such as restricting abnormal transactions, freezing suspicious accounts, repairing technical loopholes and reporting to relevant regulatory authorities to ensure the risk controllability of the Wisdom Points business.

4. Compliance Review and Supervision: Regularly conduct internal compliance reviews on the business activities of Wisdom Points to ensure that all business operations comply with the requirements of this method and national laws and regulations, supervise team members and other relevant personnel to strictly abide by management regulations and operation procedures, prevent the occurrence of internal illegal operations and corrupt behaviors, and actively cooperate with the inspection and supervision work of external regulatory agencies, and timely provide the required materials and information to ensure the compliant operation of the Wisdom Points business.

 

Chapter 3 Use and Exchange

 

Article 7 Scope of Use

 

1. Purchase of Virtual Goods and Services: Users can use Wisdom Points to purchase various virtual goods provided within the website, such as digital books, online music, video membership rights and interests, game props, virtual image dress-up, electronic greeting cards, online courses, etc., as well as virtual services such as website value-added services, paid consultations, exclusive customer service and priority participation rights, so as to enrich users’ experience on the website and enjoy personalized services.

2. Exchange of Physical Goods: The website can set up exchange channels for some physical goods according to its own business model and cooperative resources. Users can use the accumulated Wisdom Points to exchange for physical goods with certain values, such as electronic products, daily necessities, office supplies and cultural and creative products. The physical goods for exchange should ensure reliable quality and legal sources, and clearly mark the number of Wisdom Points required for exchange, product specifications, inventory situation, delivery method and time, etc., to ensure the smooth progress of the user exchange process.

3. Participation in Platform Activities: The website holds various online and offline activities, such as lottery, competition, voting, crowdfunding and public welfare activities. Users can use Wisdom Points as the participation qualification vouchers or exchange them for activity tickets and activity rewards, etc., to increase users’ participation in platform activities, enthusiasm and improve the activity and user stickiness of the platform.

 

Article 8 Exchange Policy

 

1. Exchange Rate Setting: The website will comprehensively consider various factors such as the acquisition cost of virtual currency, market supply and demand relationship, platform operation cost, and the value evaluation of physical and virtual goods and services to formulate reasonable exchange rates between Wisdom Points and legal tender, virtual goods, services and physical goods, and announce the exchange rate table and relevant instructions in a prominent position on the website. The exchange rate should remain relatively stable, but the website has the right to adjust it timely according to reasonable factors such as market changes, cost fluctuations and business adjustments.

2. Exchange Review Mechanism: In order to ensure the fairness, legality and security of the exchange process, the website will establish an exchange review mechanism. After users submit exchange applications, the website will review users’ account information, exchange qualifications, inventory situation of exchange items, authenticity and compliance of exchange behaviors, etc. The review content includes but is not limited to whether users have violated regulations, whether accounts are in a normal state and whether exchanges comply with relevant rules and restriction conditions. The review time should be clearly informed to users. Generally, the review result should be completed and fed back within 3 working days. In case of special circumstances (such as large-scale exchange activities, technical failures, etc.), the review time can be appropriately extended, but users should be notified in time and the reasons should be explained.

 

Chapter 4 Account Security and Risk Warning

 

Article 9 Account Management

 

1. Registration and Authentication Process: Users must register accounts through the official, unique and secure registration channels provided by the website. The registration process should follow the principle of real-name authentication, requiring users to provide real, accurate, complete and valid personal information, such as name, ID number (or other valid identity document number), contact information (mobile phone number, email address, etc.), permanent address, etc., and complete identity authentication through methods such as mobile phone text message verification code verification, email verification and ID photo upload review (if necessary), so as to ensure the binding between accounts and users’ real identities and prevent false registration and identity fraud.

2. Security Protection Measures: Users should properly keep their account login credentials, including user names, passwords, text message verification codes, email verification codes and other important information, and shall not disclose them to any third parties. It is recommended that users set high-strength passwords and change them regularly, and avoid using simple and easy-to-guess passwords, such as birthdays, phone numbers, consecutive numbers or letters. Meanwhile, when logging in to accounts, users should pay attention to preventing security risks such as phishing, malicious software attacks and hacker intrusions, avoid logging in to accounts in an insecure network environment (such as public Wi-Fi networks), use genuine operating systems, browsers and anti-virus software, and update software versions and security patches in time to ensure the security and stability of accounts.

3. Account Security Responsibility: Users are ultimately responsible for the security of their accounts. If account theft, password leakage, illegal transfer or use of Wisdom Points and other situations occur due to users’ own reasons, users shall bear all losses arising therefrom. However, the website should take reasonable security protection measures within the scope of its technical capabilities, such as data encryption storage, access control, security vulnerability monitoring and repair, risk warning, etc., to ensure the security of users’ account information, and when finding abnormal situations in users’ accounts, timely notify users and assist them to take measures to protect account security, such as freezing accounts, helping users retrieve passwords and investigating abnormal transactions.

 

Article 10 Risk Warning

 

1. Risks of Virtual Currency Characteristics: The website should fully reveal the inherent characteristics and potential risks of Wisdom Points to users through various means, such as the value fluctuation risk, technical risk, credit risk, market risk and policy risk of Wisdom Points. Since the value of Wisdom Points does not rely on the support of any physical assets or legal tender, its price may fluctuate greatly due to the influence of various factors such as market supply and demand relationship, user expectations, platform operation status, technological upgrading and policy and regulation changes. Users may face the risk of asset shrinkage caused by the depreciation of Wisdom Points in the process of holding and using them. Meanwhile, Wisdom Points rely on specific technological platforms and network environments. If technical failures, hacker attacks, data loss and other situations occur, it may affect users’ normal use of Wisdom Points and the protection of their rights and interests.

2. Risk Notification Methods: At key links such as user account registration, first purchase or acquisition of Wisdom Points, and Wisdom Points trading or exchange, the website should display risk warning information to users in a prominent manner, such as popping up risk warning boxes, requiring users to read and check risk confirmation forms, and displaying risk warning slogans or links in prominent positions on the website page, so as to ensure that users fully understand the possible risks before participating in the activities related to Wisdom Points. The risk warning information should be expressed in plain language, detailing the specific manifestation forms, causes, possible consequences of various risks and users’ countermeasures and suggestions, so that users can clearly recognize the risks and complexity of virtual currency investment and use and rationally treat the activities related to Wisdom Points.

 

Chapter 5 Violations and Penalties

 

Article 11 Violation Behaviors

 

1. Illegal Trading Behaviors: Including but not limited to conducting private transactions of Wisdom Points without the permission of the website, conducting off-site transactions of Wisdom Points with third-party platforms or individuals, making profits through trading after obtaining Wisdom Points by illegal means (such as using loopholes to brush points, transferring Wisdom Points after account theft and then trading, etc.), using Wisdom Points to conduct illegal financial activities such as money laundering, gambling and fraud or other trading behaviors that violate laws and regulations, which seriously disrupt the normal economic order and financial ecological environment of the website and damage the legitimate rights and interests of other users and the website.

2. Malicious Disrupting Order Behaviors: Through maliciously increasing volume, maliciously snapping up, maliciously hoarding Wisdom Points, manipulating the market price of Wisdom Points, obtaining Wisdom Points or other users’ property by using false information or fraudulent means, releasing false information to mislead other users’ trading decisions, attacking the website’s server or system to affect the normal issuance and trading of Wisdom Points and other behaviors, which destroy the fair competition environment and normal operation order of the website and hinder other users’ normal use experience and the realization of their rights and interests.

3. Violation of Platform Rules Behaviors: Not abiding by the usage rules, exchange rules, account management rules, activity participation rules and other provisions of the website regarding Wisdom Points, such as using Wisdom Points beyond the specified usage scope, violating exchange restriction conditions for exchange, providing false information for registration or obtaining Wisdom Points, maliciously using platform loopholes to obtain undue benefits, using Wisdom Points to make improper remarks or behaviors in violation of the platform’s community guidelines and behavior norms, which affect the normal management and operation efficiency of the website and damage the reputation and image of the website.

 

Article 12 Penalty Measures

 

1. Warning and Education: For users with initial minor violations or relatively light violations, the website will send warning notices to users through methods such as in-site messages, system messages and pop-up reminders, clearly pointing out users’ violation behaviors and the specific provisions violated, and at the same time conduct education on relevant laws and regulations and platform rules for users, requiring users to immediately stop violation behaviors and promise to abide by the rules in the future. If users can correct in time after receiving the warning, no further penalties will be imposed.

2. Restriction of Use and Function Limitation: For users with relatively serious violation behaviors, the website will take measures to restrict the use of users’ accounts, including but not limited to restricting the trading function, exchange function, usage scenarios, daily usage limit, freezing part or all of the Wisdom Points balance of Wisdom Points, etc. The restriction period will be determined according to the severity of the violation behaviors, generally ranging from 7 days to 30 days. During this period, users cannot use the restricted functions or Wisdom Points normally until they meet the conditions for lifting the restrictions (such as completing rectification, paying fines, etc.) and are approved by the website through review before they can resume normal use.

3. Account Freezing and Banning: For users with serious violations or repeated violations and who refuse to correct after repeated education, the website will freeze their accounts, stop all activities of the accounts, including the trading, use and exchange of Wisdom Points, and prohibit users from logging in to accounts to access the relevant content and services of the website. On the basis of freezing accounts, if users’ violation behaviors are particularly bad, such as involving major illegal and criminal behaviors, causing serious economic losses or reputation damage to the website, the website has the right to permanently ban the accounts, report the relevant situations to relevant regulatory authorities or law enforcement agencies, and legally pursue users’ legal responsibilities. Meanwhile, the website reserves the right to take legal actions against violating users and requires users to compensate for all losses caused to the website by violation behaviors, including but not limited to direct economic losses, indirect economic losses, reputation losses and rights protection costs (lawyer fees, litigation fees, notarization fees, etc.).

4. Recovery and Clearance of Wisdom Points: For the Wisdom Points obtained through violation behaviors, the website has the right to recover them, including the Wisdom Points obtained through illegal transactions, fraudulent means and by taking advantage of loopholes. The website will deduct the corresponding number of Wisdom Points from users’ accounts and revoke or correct the illegal transactions to make the circulation and use of Wisdom Points return to a legal and normal state. In some serious violation cases, such as when users’ behaviors seriously damage the economic system or fairness of Wisdom Points, the website has the right to clear all the Wisdom Points in users’ accounts and cancel all the rights and interests of users’ Wisdom Points to maintain the stability and fairness of Wisdom Points.

 

Chapter 6 Supplementary Provisions

 

Article 13 Interpretation Right

 

This website has the final interpretation right of this management method. Under the legal framework, it will be updated and adjusted in a timely manner to ensure that it meets the requirements of laws and regulations and the actual needs of website operation. Meanwhile, it will fully consider users’ reasonable demands and industry practices to safeguard users’ legitimate rights and interests and the healthy development of the Wisdom Points business. If users have questions or objections to the interpretation of this method, they can submit consultations or appeals to the website through the official channels provided by the website (such as customer service hotlines, online customer service, complaint mailboxes, etc.). The website will reply and answer within 5 working days after receiving the feedback to ensure that users’ problems can be handled in a timely and effective manner.

 

Article 14 Effective Date and Revision

 

1. Effective Date: This method will come into effect officially on January 10, 2025. After it takes effect, all users and relevant parties shall strictly abide by the provisions of this method to ensure the standardized development of the Wisdom Points business. For the behaviors related to Wisdom Points that have occurred before it takes effect, if they comply with the website rules and laws and regulations at that time, they will be implemented in accordance with the original rules in principle. If there are conflicts with this method, they should be adjusted and regulated according to the provisions of this method. However, for transactions or behaviors that have been completed and cannot be reversed, case-by-case processing can be carried out according to the actual situation to ensure the smooth transition and connection of the Wisdom Points business on the premise of safeguarding users’ legitimate rights and interests.

2. Revision Mechanism: The website has the right to revise and improve this management method in a timely manner according to the adjustments of national laws and regulations, policy changes, the development trends of the industry, technological innovations, changes in market demands, user feedback, as well as the needs of its own business development and operation management. The revision process shall follow strict internal approval procedures to ensure the rationality, necessity and legality of the revised content. After the revision is completed, the website will announce the revised management method to users through various means such as publishing announcements on the homepage of the website, sending email notifications to users, and pushing in-site messages. It will clearly inform users of the revised content, the effective date, as well as the countermeasures and precautions for users, and give users a reasonable period of time to adapt to the revised rules. If users continue to use the services related to Wisdom Points after the revised method takes effect, it shall be deemed that they have fully read, understood and agreed to accept the revised management method. If users do not agree with the revised method, they have the right to stop using the services related to Wisdom Points and apply for account cancellation or asset liquidation (if applicable) in accordance with the procedures stipulated by the website. However, they should complete the relevant operations within the specified time, otherwise it shall be deemed that they agree to be bound by the revised rules.