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DISCLAIMER.md

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+# DISCLAIMER
+
+## Important Notice
+
+PiDualTx is an **independent community-developed application** and is **NOT affiliated with, endorsed by, or officially supported by Pi Network, Pi Core Team, or any related entities**.
+
+This project is provided **for experimental, educational, and community-use purposes only**.
+
+---
+
+## No Official Price Claim
+
+PiDualTx **does NOT define, set, peg, guarantee, or claim any official price or valuation for Pi**.
+
+Any numerical values referenced in this repository — including but not limited to:
+- "$314,159/Pi" (community consensus reference)
+- "~$0.8111/Pi" (exchange-based reference)
+
+are used **solely as application-level reference values** and **DO NOT represent**:
+- an official Pi Network price
+- a protocol-level valuation
+- a guaranteed exchange rate
+- a binding economic or financial claim
+
+---
+
+## Clarification on "Dual Value"
+
+The term **"Dual Value"** as used in PiDualTx refers to a **dual valuation reference model at the application layer**, where:
+
+1. **Internal Reference Value**  
+   A community-defined reference used for internal simulations, accounting, or experimental transaction logic.
+
+2. **External Reference Value**  
+   A market-derived reference sourced from third-party exchanges or price feeds.
+
+⚠️ **Dual Value does NOT mean:**
+- dual pricing at the protocol level
+- two official prices for Pi
+- simultaneous settlement at different prices
+- a replacement for market price discovery
+
+---
+
+## No Financial or Investment Advice
+
+Nothing in this repository constitutes:
+- financial advice
+- investment advice
+- trading recommendations
+- price predictions or guarantees
+
+Users are solely responsible for evaluating risks associated with:
+- experimental smart contracts
+- third-party price feeds
+- community-defined valuation models
+
+---
+
+## Market Risk & Volatility
+
+Cryptocurrency markets are inherently volatile.  
+Any reference to market prices may be outdated, inaccurate, or subject to rapid change.
+
+PiDualTx assumes **no responsibility or liability** for:
+- losses incurred
+- incorrect assumptions
+- market misinterpretations
+- reliance on reference values
+
+---
+
+## Smart Contract & Technical Risk
+
+Smart contracts and decentralized applications may contain:
+- bugs
+- vulnerabilities
+- logic flaws
+- integration risks
+
+Use of PiDualTx is **at your own risk**.
+
+---
+
+## Legal & Regulatory Notice
+
+This project does not attempt to:
+- issue a security
+- represent a financial instrument
+- bypass local regulations
+
+Users are responsible for ensuring compliance with all applicable laws and regulations in their respective jurisdictions.
+
+---
+
+## Acceptance of Terms
+
+By using, forking, or interacting with PiDualTx, you acknowledge that:
+- you understand this disclaimer
+- you accept all associated risks
+- you agree that the authors bear no liability
+
+---
+
+## Summary
+
+**PiDualTx is a community-level experimental application.  
+"Dual Value" refers to alternative valuation references, NOT official pricing.  
+Pi Network has no obligation, responsibility, or involvement in this project.**