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Terms of Service

Important

These Terms of Service (the "Terms") explain what happens when you appoint us as your non‑custodial rate manager (the "Service"). You do that by setting our delegate address for your loan(s) on one or more independent lending protocols ("Core Protocols"). If you do not agree to these Terms, do not set that delegation.

1. Who may use the Service​

  • You are at least 18 years old and legally able to make contracts.
  • You follow the laws of your country. If local rules ban blockchain borrowing tools, do not use the Service.

2. What we do - and don't do​

  • Delegate only. Using your own wallet, you give our address limited authority to manage the interest‑rate settings of your loan. Nothing more.
  • No custody. We never hold your assets or private keys. The Core Protocols still hold collateral and debt. You can revoke our delegation at any time with your wallet.
  • No control over Core Protocols. We did not build them, cannot fix them, and cannot stop unexpected behavior.
  • No guarantees or advice. We do not promise to lower your rate, prevent liquidation, or achieve any outcome. Nothing we say is financial, legal, tax, or trading advice.
  • Off‑chain actions. After delegation, our off-chain systems may act on your behalf within the constraints defined. We are not obliged to act, and any action may be skipped, delayed, or fail.
  • Not a regulated entity. We are not a bank, broker, exchange, or money‑service business, and we are not regulated as one.

3. Big risks you accept​

  1. Protocol bugs or hacks. Core Protocols can fail or be exploited; our off‑chain systems may also malfunction.
  2. Interest‑rate swings. Rates can spike suddenly, and our solvers might not react in time - or at all.
  3. Liquidations. Falling collateral value can trigger automatic liquidations, irrespective of your interest rate.
  4. Network congestion. High gas fees or chain delays can stop us from acting when needed.
  5. Regulatory changes. Laws can change and make it hard or illegal for you to repay or keep using blockchain tools.

4. Your responsibilities​

  • Maintain collateral. You are responsible for monitoring collateral levels and adding more if needed.
  • Stay legal. Do not use the Service for money laundering, sanctions evasion, or any crime.
  • Understand the rules. Read how our delegate operates before you enable it.
  • Indemnity. If someone sues us because of something you did, you will cover our costs (including lawyers' fees).

5. No promises ("As Is")​

The Service is provided "as is" and "as available." We make no warranty - not for uptime, accuracy, security, or any result. We may miss triggers, execute late, or fail completely. You accept that risk.

6. Limits of liability​

To the fullest extent allowed by law:

  • We are not responsible for any indirect, special, or consequential loss; lost profits; lost data; or loss of goodwill.
  • If we are found liable anyway, our total liability is capped at US $1.00.

7. Stopping or changing the Service​

We may upgrade, pause, or shut down our off‑chain systems or resign our delegate address without notice. You can revoke delegation at any time.

8. Disputes​

  • Informal resolution first. Contact us; we will try to resolve any issue in good faith.
  • Arbitration. If we cannot settle it informally within 30 days, any dispute will be resolved individually and confidentially by binding arbitration under widely accepted international rules. The arbitrator's decision is final and enforceable.
  • No class actions. You and we may bring claims only on our own behalf, not as part of a class, collective, or representative action.

9. Updates to these Terms​

We may update these Terms by publishing a new version at any time. Using the Service after the update means you accept the new Terms.

By delegating rate‑management authority to our address you confirm that you have read, understood, and agreed to these Terms, and that you accept all risks described above.