# Disclaimers **Geographic Disclaimer** "Y2K complies with international sanctions, limiting access to our app in the United States, Russia, and North Korea. By using our application, you confirm that you are not accessing it from these restricted jurisdictions. Your use of the app implies acceptance of these restrictions." **Terms of Use & Privacy Policy** * [Terms of Use](https://www.y2k.finance/terms) * [Privacy Policy](https://www.y2k.finance/privacy-policy) **Mint** * What does mint COLLATERAL mean? By depositing into the Collateral side, users are selling insurance to the Premium side. * What does mint PREMIUM mean? By depositing into the Premium side, users are buying insurance from the Collateral side. * How does insurance work? In the scenario where an asset de-pegs to a degree larger than the strike of a vault pair, the contents of the collateral vault are liquidated and awarded to the Premium vault depositors. In the event of no de-pegging over the course of an assets' insurance epoch, both Premium and Collateral payments are delivered to the insurance sellers. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://y2k-finance.gitbook.io/y2k-finance/learn-more/disclaimers.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.