Rhea Finance Terms of Services

Rhea Finance - Terms of Service

Last updated: 14 NOV 2023

Rhea Finance is a distributed set of specially-developed smart contracts (each, a "Smart Contract") deployed on the NEAR blockchain network or such other compatible blockchain network, as the case may be (each, the "relevant Blockchain Network"). Rhea Finance combines automated liquidity, swap, lending, borrowing, liquid staking, derivative-token, and cross-chain account functionality, allowing users to trade digital asset pairs, create or access liquidity pools, supply assets, borrow against collateral, interact with liquid staking tokens, and access supported cross-chain lending or perpetual products directly through blockchain-based Smart Contracts.

The Liquidity Pools, Lending Markets, liquid staking services, LSD Token Services, Multichain Account Contracts, CrossChainLending, CrossChainPerp and other Rhea Finance functionality may be visualised on a user interface that the user can interact with, including but not limited to the website at https://www.rhea.finance/ and each of its subdomains, or our mobile or web applications (the "Site"). The Smart Contracts and the Site are collectively referred to in these Terms as the "App". Using the App, users can interact with the underlying Smart Contracts to create, view, access, supply to, borrow from, trade through, stake through, bridge to, or otherwise interact with supported pools, markets, accounts, and protocol functionality in the Rhea Finance ecosystem.

Only websites, applications and interfaces that the Company currently controls or expressly designates as Rhea Finance interfaces are part of the Site or the App. Third-party mirrors, forks, cached deployments, IPFS content, gateways, decentralised front-ends, re-publications, unofficial domains, or interfaces that the Company does not currently control or expressly designate are External Sites or Third-Party Content, not the Site or the App.

The Company's sole role is the deployment or provision of technical access to the Smart Contracts and the App. Any interaction with Liquidity Pools, Lending Markets, liquid staking services, LSD Token Services, Multichain Account Contracts, CrossChainLending, CrossChainPerp or other protocol functionality takes place solely on the relevant Blockchain Network or through third-party blockchain, bridge, intent, oracle, relayer, solver, wallet, or infrastructure systems. Smart contract protocols such as Rhea Finance comprise autonomous blockchain-based smart contracts operated directly by users calling functions on them. There is no further control by or interaction with the original entity that deployed the Smart Contracts, except to the limited extent expressly described in these Terms or in any supplemental terms. The Company solely functions as a provider of technical tools for users, is not offering any securities product or regulated service, and does not hold user assets in custody. Any rewards, tokens, yield, fees, losses, liquidations, funding payments, staking returns, or other outcomes arise solely out of user interaction with the protocol, the relevant Blockchain Network, and other users or third-party systems.

Ref Labs Ltd., a British Virgin Islands company (registration no. 2100091), with its registered office at Craigmur Chambers, Road Town, Tortola, VG 1110, British Virgin Islands (the "Company", "we", "our" or "us"), is making the Smart Contracts and the App available to you. Before you use the App, the Smart Contracts, or the Site, you will need to agree to these Terms of Service and any terms and conditions incorporated herein by reference (collectively, these "Terms"). PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE APP, THE SMART CONTRACTS, OR THE SITE. THESE TERMS GOVERN YOUR USE OF THE APP, THE SMART CONTRACTS, AND THE SITE, UNLESS WE HAVE EXECUTED A SEPARATE WRITTEN AGREEMENT WITH YOU FOR THAT PURPOSE. WE ARE ONLY WILLING TO MAKE THE APP, THE SMART CONTRACTS, AND THE SITE AVAILABLE TO YOU IF YOU ACCEPT ALL OF THESE TERMS. BY USING THE APP, THE SMART CONTRACTS, THE SITE, OR ANY PART OF THEM, OR BY CLICKING "I ACCEPT" OR INDICATING YOUR ACCEPTANCE IN AN ADJOINING BOX, YOU ARE CONFIRMING THAT YOU UNDERSTAND AND AGREE TO BE BOUND BY ALL OF THESE TERMS. IF YOU ARE ACCEPTING THESE TERMS ON BEHALF OF A COMPANY OR OTHER LEGAL ENTITY, YOU REPRESENT THAT YOU HAVE THE LEGAL AUTHORITY TO ACCEPT THESE TERMS ON THAT ENTITY'S BEHALF, IN WHICH CASE "YOU" WILL MEAN THAT ENTITY. IF YOU DO NOT HAVE SUCH AUTHORITY, OR IF YOU DO NOT ACCEPT ALL OF THESE TERMS, THEN WE ARE UNWILLING TO MAKE THE APP, THE SMART CONTRACTS, OR THE SITE AVAILABLE TO YOU. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OR USE THE APP, THE SMART CONTRACTS, OR THE SITE.

By clicking "I Accept" or otherwise indicating your acceptance, you agree to be bound by these Terms and affirm that you are of legal age to enter into these Terms where you live and have the legal capacity to enter into these Terms. Without limiting the foregoing, by using the App, you acknowledge and understand that laws regarding digital assets, cryptocurrency derivatives, financial instruments, investment products, lending, staking, borrowing, leverage, margin, perpetual contracts, cross-chain transfers or other blockchain products may vary from jurisdiction to jurisdiction, and it is your sole obligation to ensure that you fully comply with any law, regulation or directive relevant to your jurisdiction with regard to the use of the App. For the avoidance of doubt, the ability to access the App does not necessarily mean that the App, or your activities through it, are legal under the laws, regulations or directives relevant to your jurisdiction. The App and the services made available through the App may not be available to all users, and we reserve the right to assess or reassess at any time your eligibility to use all or part of the App. The App does not constitute, and may not be used for the purposes of, an offer or solicitation to anyone in any jurisdiction in which such offer or solicitation is not authorised, or to any person to whom it is unlawful to make such an offer or solicitation.

Supplemental terms and conditions or documents that may be posted on the App from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes to the Terms from time to time. We will alert you of any changes by updating the "Last updated" date of these Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Terms to stay informed of updates. You will be subject to and will be deemed to have been made aware of and to have accepted the changes in any revised Terms by your continued use of the Site, the App, and the Smart Contracts after the date such revised Terms are posted.

Introduction

To be eligible to use the App, the Smart Contracts, the Site and the services made available through them (the "Services"), you must be of legal age to enter into these Terms where you live and have the legal capacity to enter into these Terms. The App, the Smart Contracts, the Site and the Services are strictly NOT offered to persons or entities who reside in, are citizens of, are incorporated in, or have a registered office in any Restricted Territory, as defined below (any such person or entity from a Restricted Territory shall be a "Restricted Person"). If you are a Restricted Person, then do not attempt to access or use the App, the Smart Contracts, the Site or the Services. Use of a virtual private network or other means by Restricted Persons to access or use the App, the Smart Contracts, the Site or the Services is prohibited.

For the purpose of these Terms, "Restricted Territory" shall mean the United States of America, the United Kingdom, and any state, country or region that is subject to sanctions enforced by the United States, the United Kingdom or the European Union.

The App, the Smart Contracts, the Site or the Services made available through the App, or any portion thereof, may not be available to all users, and we reserve the right to assess or reassess at any time your eligibility to use all or part of the App, the Smart Contracts, the Site or the Services.

For the purpose of these Terms, "Liquidity Pools" include pools or protocol mechanisms that may support swaps, automated market making, concentrated liquidity, lending, borrowing, collateral, staking-related liquidity, or other digital asset functionality. "Lending Markets" means Smart Contracts or protocol markets through which users may supply assets, borrow assets, provide collateral, receive interest or incentives, repay borrowings, or be subject to liquidation. "LST Services" means Smart Contracts or protocol functionality for liquid staking tokens, including rNEAR and other supported liquid staking tokens similar in function to existing liquid staking tokens such as liNEAR and stNEAR. "LSD Token Services" means additional Smart Contracts or protocol functionality that may accept a supported asset supplied by a user, interact with Lending Markets on the user's behalf according to protocol logic, and mint or otherwise make available an LSD token representing or referencing the user's automated supply position. "Multichain Account Contracts" means per-user NEAR account abstraction smart contracts that may be created or used to allow a user on another supported blockchain network to control supported NEAR-based protocol operations, including lending operations, without holding a traditional NEAR account directly. "Cross-Chain Services" include CrossChainLending, CrossChainPerp, NEAR Intents-based deposits or transfers, and related cross-chain account, bridge, intent, solver, relayer or settlement functionality.

The App, the Smart Contracts, the Site and the Services do not constitute, and may not be used for the purposes of, an offer or solicitation to anyone in any jurisdiction in which such offer or solicitation is not authorised, or to any person to whom it is unlawful to make such an offer or solicitation.

The App

To most easily access the App, you may first install a web browser, such as the Google Chrome web browser, and an electronic wallet compatible with the relevant Blockchain Network or with another supported blockchain network. These electronic wallet services provide a visual representation allowing you to interact with the relevant Blockchain Network to purchase, store, stake, bridge, lend, borrow, trade, or engage in transactions with various digital assets. You will not be able to engage in any transactions on the App other than through your selected electronic wallet service, a compatible browser, a Multichain Account Contract, or other supported blockchain account or signature mechanism.

Transactions that take place via the visual user interface on the App are confirmed via the relevant Blockchain Network or through third-party blockchain infrastructure. You understand that your public address, Multichain Account Contract address, transaction history, balances, collateral, borrowings, staking positions, bridge or NEAR Intents-related activity, and other public blockchain information may be made publicly visible whenever you engage in a transaction on the App.

Rhea Finance is a non-custodial protocol. The App does not hold or control your digital assets. Any digital assets which you may acquire, stake, supply, borrow, receive, bridge, deposit, redeem, liquidate, or otherwise interact with through the usage of the App will be held and administered solely by you through your selected electronic wallet, Multichain Account Contract, or the applicable Smart Contracts. We shall have no access to or responsibility in regard to such electronic wallet, account, Multichain Account Contract or digital asset held therein. It is solely your responsibility to select the wallet service provider, signing mechanism, account configuration, bridge, intent, relayer, or other third-party service to use in connection with the App, and your use of such service will be subject to the governing terms of use or privacy policy of the provider of that service. We neither own nor control your selected electronic wallet service, Google Chrome, any electronic wallet, any Multichain Account Contract, the relevant Blockchain Network, any non-NEAR blockchain network, NEAR Intents, any bridge, any oracle, any relayer, any solver, or any other third-party site, product, or service that you might access, visit, or use for the purpose of enabling you to use the various features of the App. We will not be liable for the acts or omissions of any such third parties, nor will we be liable for any damage that you may suffer as a result of your transactions or any other interaction with any such third parties.

The Company will not create any hosted wallet for you or otherwise custody digital assets on your behalf. It is your sole responsibility to maintain the security of your selected electronic wallet, Multichain Account Contract, external-chain wallet, private key, seed phrase, password, session key, delegated permission, signing device, account recovery mechanism, token allowance, connected application, or other method of securing your wallet or account. In the event that you lose access to your electronic wallet, private key, password, Multichain Account Contract controls, external-chain account, signing permissions, or other method of securing your wallet or account, sign a malicious transaction, approve an unlimited or excessive token allowance, fall victim to phishing, paste a wrong address, or otherwise misdirect or lose digital assets, all digital assets held in or controlled by such wallet or account may be irretrievable, and the Company will be unable to assist you in any way. You hereby irrevocably waive, release and discharge all claims, whether known or unknown to you, against the Company, its affiliates and their respective shareholders, members, directors, officers, employees, agents and representatives related to your use of any wallet software, Multichain Account Contract, bridge, intent service, associated loss of digital assets, transaction failures, account control failures, malicious signatures, incorrect approvals, or any other defects that arise in the course of your use of your electronic wallet, account, Smart Contracts, Site or App.

The Company reserves the right to modify, suspend or discontinue, temporarily or permanently, all or any part of the Site or the App with or without notice. You agree that the Company will not be liable to you or to any third party for any modification, suspension or discontinuance of all or any part of the Site or the App.

The publicly deployed Smart Contracts you interact with are experimental in nature and you should not utilise the Smart Contracts, Liquidity Pools, Lending Markets, LST Services, LSD Token Services, Multichain Account Contracts, CrossChainLending, CrossChainPerp or other Services for deployment of any substantial amount of digital assets.

We reserve the right to disable access to the App, the Site or the interface at any time in the event of any breach of the Terms, including without limitation, if we, in our sole discretion, believe that you fail to satisfy the eligibility requirements set forth in the Terms. Further, we reserve the right to limit or restrict access to the App or the Site by any person or entity, or within any geographic area or legal jurisdiction, at any time and at our sole discretion. We will not be liable to you for any losses or damages you may suffer as a result of or in connection with the App or the Site being inaccessible to you at any time or for any reason.

Any suspension, termination, geoblocking, throttling, deprecation, refusal to display, refusal to route, or other restriction by the Company applies only to access through the Site, the App or interfaces controlled by the Company. It does not terminate, pause, reverse or modify any publicly deployed Smart Contracts, any relevant Blockchain Network, any third-party protocol, or your ability to interact directly with on-chain systems outside the Site or App, where such interaction is technically possible and lawful.

Services

The Company has deployed or made available access to the Smart Contracts on the relevant Blockchain Network for users to utilise in accordance with these Terms. Users may directly call the functions of the Smart Contracts, or access them via the user interface provided by the App.

The Services are limited to non-custodial software access, transaction routing, transaction construction, and information display. The Company does not custody, hold, escrow, pool or manage user assets, operate validators, sequencers, or oracles for users, provide investment management, advice, recommendations, or solicitations, match counterparties, set prices, guarantee execution, finality, repayment, yield, staking outcomes, validator outcomes, liquidation outcomes, bridge outcomes, intent outcomes, or any other transaction result, or issue, custody, redeem, or guarantee any digital asset except to the extent expressly stated in applicable Smart Contract code or supplemental token documentation.

Token symbols, names, prices, logos, market data, contract addresses, risk parameters, validator data, pool data, lending market data and metadata displayed in the App may be sourced from public on-chain data, third-party oracles, indexers, listing services, analytics providers or other third-party sources. Inclusion or display of any token, pool, market, account, route, validator, bridge, intent solver, data source or counterparty is not an endorsement, recommendation, approval, or representation of legitimacy, non-fraud, non-infringement, legal compliance, issuer existence, solvency, liquidity, security or suitability. You are solely responsible for verifying any token, contract address, pool, market, route, account, validator, bridge, intent solver or counterparty before transacting.

Rhea Finance allows users to trade digital asset pairs directly in a peer-to-peer manner. Users may act as market makers and liquidity providers for these transactions by staking or pooling their digital assets into decentralised Liquidity Pools to provide liquidity for transactions by other users. These digital assets may comprise various fungible cryptocurrencies in the market. Liquidity Pools and the underlying digital asset pairings may be selected and created by liquidity providers, who allow other users to access these Liquidity Pools to conduct trades. Any party may trade and/or become a liquidity provider for a pool by depositing supported digital assets to the Liquidity Pool in return for pool tokens or other protocol records. All trades conducted via Rhea Finance are performed in a non-custodial manner and users remain in control of their digital assets except to the extent those assets are locked, transferred, staked, supplied, bridged, or otherwise committed to Smart Contracts according to user-initiated transactions.

Rhea Finance also allows users to interact with money markets for peer-to-peer lending and borrowing. Users may act as liquidity providers or suppliers by staking, pooling or supplying their digital assets into decentralised Lending Markets or Liquidity Pools to provide the necessary liquidity for transactions by other users. Borrowers may supply collateral and borrow funds against that collateral from lenders or liquidity providers. In return, lenders or suppliers may receive interest, fees, incentives, protocol tokens, or other rewards calculated based on the relevant protocol logic, interest rate model, market utilisation, or other parameters. These digital assets in the Lending Markets or Liquidity Pools may comprise various fungible cryptocurrencies in the market.

The collateral put up by a borrower may be associated with a collateral factor, borrowing factor, loan-to-value threshold, liquidation threshold, margin threshold, or other risk parameter determined by the protocol's algorithms or governance. Where the value of collateral falls below these thresholds, liquidators may be incentivised with a percentage of collateral or other protocol rewards to perform liquidation of unhealthy accounts. Borrowers expressly agree that the Company is not liable for any liquidations which occur in relation to a borrower falling below any collateral factor, borrowing factor, margin requirement, risk threshold or other protocol rule.

Rhea Finance may include LST Services, including rNEAR. rNEAR is intended to function as a liquid staking token within the Rhea Finance ecosystem and in the same general category as other NEAR liquid staking tokens such as liNEAR and stNEAR. The LST Services may allow users to stake, deposit, redeem, unstake, convert or otherwise interact with supported staking assets and receive a tokenised representation of a staking-related position. The exchange rate, redemption mechanics, liquidity, rewards, slashing exposure, validator performance, validator selection, unstaking period, smart contract accounting, oracle data, or other parameters associated with rNEAR or any other liquid staking token may fluctuate or fail, and no party can guarantee any redemption amount, reward, exchange rate, peg, liquidity, validator outcome, or ability to exit a liquid staking position.

Rhea Finance may include LSD Token Services. The LSD Token Services are additional Smart Contracts that support lending-related workflows. A user may supply supported assets directly into an LSD Token Service contract, and that contract may automatically interact with a Lending Market on the user's behalf according to protocol logic, including by supplying assets into lending and minting an LSD token to the user or to a user-designated account. Any LSD token is a digital asset created by Smart Contracts and may represent, reference or track a protocol position, but it is not a deposit, bank account, security, debt instrument, guarantee, claim against the Company, or promise of yield or redemption by the Company. Redemption, transferability, valuation, liquidity, accrual, exchange rate, accounting, eligibility, and any other attribute of an LSD token depends on the applicable Smart Contracts, the relevant Lending Market, available liquidity, protocol parameters, market conditions, oracle data, and user actions.

Rhea Finance may include Multichain Account Contracts that support CrossChainLending, CrossChainPerp and related Cross-Chain Services. A Multichain Account Contract is a NEAR account abstraction smart contract created or used for an individual user, and is not a single omnibus or pooled account for all users. Users on supported non-NEAR blockchain networks may create or control their own Multichain Account Contract to perform supported NEAR-based operations, including lending operations, without directly holding or operating a traditional NEAR account. Digital assets from other chains may be bridged, transferred, settled, deposited or otherwise made available to a user's Multichain Account Contract through NEAR Intents or other bridge, solver, relayer, messaging or settlement infrastructure. Each user remains solely responsible for the creation, configuration, control, permissions, funding, bridging, signing, repayment, collateralisation, liquidation, margin, funding, and other activity of that user's Multichain Account Contract.

CrossChainLending may allow users to access supported lending or borrowing functionality through Multichain Account Contracts, external-chain wallets, NEAR Intents, bridges, solvers or other cross-chain infrastructure. CrossChainPerp may allow users to access supported perpetual, margin, leverage, funding, liquidation, collateral, oracle, settlement, or related functionality through similar cross-chain account and settlement mechanisms, including through integrations with third-party perpetual trading platforms such as Hyperliquid. Any Cross-Chain Service may involve multiple blockchain networks, third-party bridges, intent systems, solvers, relayers, oracles, liquidity providers, executors, sequencers, validators, RPC providers, perpetual trading platforms, and other systems not controlled by the Company. The Company is not responsible for the success, timing, pricing, settlement, execution, finality, liquidity, custody, security, solvency, availability, or correctness of any such third-party system or cross-chain transaction.

For the avoidance of doubt, Hyperliquid and any Hyperliquid-related interface, protocol, order book, matching engine, margin system, liquidation engine, oracle, bridge, vault, validator, sequencer, API, wallet, settlement system, or other infrastructure is third-party infrastructure and is not operated, controlled, custodied, guaranteed or managed by the Company. The Company does not hold, custody, pool, manage, transfer, intermediate, or control user assets, margin, collateral, positions, profits, losses, orders, account permissions, withdrawals, liquidations, funding payments, or other activity on Hyperliquid. If the App displays, routes to, embeds, links to, or otherwise integrates Hyperliquid functionality, the Company acts only as a visual interface, routing layer, technical access tool, or passive publisher, and not as your broker, dealer, futures commission merchant, introducing broker, swap dealer, derivatives clearing organisation, exchange, custodian, fiduciary, counterparty, adviser, account manager or agent.

The Company does not operate custodial bridges, issue or redeem wrapped assets, control bridge reserves, guarantee any peg, guarantee any wrapped or bridged asset redemption, or act as counterparty to bridging, intent, wrapped-asset or cross-chain transactions, unless expressly stated otherwise in supplemental terms signed by the Company.

In order to incentivise users to supply assets, provide liquidity, borrow, trade, stake, mint, redeem, bridge, create accounts, perform liquidation functions, or otherwise interact with the protocol, Rhea Finance may introduce incentive programs distributing native tokens, third-party tokens, points, rewards, fees, or other incentive assets. Users may also be required to stake, lock, supply or maintain certain amounts of digital assets in order to access certain functionality, satisfy collateral or margin requirements, support service standards, or prevent malicious behaviour. Any incentive program may be modified, suspended, terminated, diluted, cancelled, clawed back, or made subject to additional eligibility requirements at any time.

Rhea Finance may include, issue, distribute, allocate, make available, support, or reference the RHEA token. The RHEA token may serve as the merged, successor or replacement token associated with prior Ref Finance and Burrow Finance ecosystem tokens, including REF and BRRR. Any migration, conversion, exchange, redemption, allocation, vesting, lock-up, unlock, incentive, governance, utility or other treatment of REF, BRRR or RHEA tokens shall be subject to the applicable Smart Contracts, token migration terms, eligibility criteria, timelines, ratios, documentation and protocol rules made available from time to time. Where token-specific documentation, including any crypto-asset white paper, risk disclosure, migration document or program rules, is made available by the Company or the relevant protocol, you should review such documentation before acquiring, holding, migrating, staking, locking, voting or otherwise interacting with RHEA or any related token. Unless expressly stated otherwise by the applicable Smart Contracts or token migration terms, the Company does not guarantee any migration, conversion or redemption right, any token ratio, any token value, any market price, any secondary market, any liquidity, any exchange listing, any governance outcome, any future utility, or any tax, accounting, regulatory or financial treatment for REF, BRRR, RHEA or any other token.

Any RHEA token, RHEA-related locked, staked, escrowed, option, vote, reward, rebate, referral, points, boost, incentive, liquidity mining, airdrop, governance or similar program (each, a "Token Program") does not constitute equity, debt, a deposit, a security, a unit in a collective investment scheme, a claim on the Company's assets, revenues, profits, fees or dividends, a redemption right, or a right to managerial efforts by the Company or any third party. Any locking, staking, voting, reward, slashing, vesting, migration, governance, or other function of a Token Program operates solely as permitted by the applicable Smart Contracts, governance rules or program rules, is experimental, may be modified, paused, clawed back, redenominated, migrated or terminated as those rules permit, and may result in loss of liquidity, transferability, opportunity cost, tax consequences or total loss. Token Programs are void where prohibited and unavailable to Restricted Persons or in Restricted Territories.

All interactions between liquidity providers, traders, lenders, borrowers, suppliers, stakers, liquidators, account creators, Cross-Chain Service users and other users on Rhea Finance operate in a non-custodial peer-to-peer manner. Users enter into direct contractual relationships via the autonomous Smart Contracts and/or other smart contracts deployed by various third-party networks. Users wholly assume all responsibility towards each other and towards the protocol positions they create or access. There is no further control by or interaction with the Company or any relevant affiliate which deployed or made available access to the Smart Contracts. The Company and its affiliates shall in no circumstances be construed as a party to said peer-to-peer direct contractual relationship, is not liable for performance of obligations thereunder, nor does it bear any financial or commercial risk or provide any warranties or assurances in connection with the same.

The App merely provides a visual user interface allowing users to interact with Liquidity Pools, Lending Markets, LST Services, LSD Token Services, Multichain Account Contracts and Cross-Chain Services. It does not act as an agent for any users. Although the App is intended to display accurate and timely information regarding Liquidity Pools, Lending Markets, possible swaps, possible borrowing or lending amounts, staking positions, LSD token positions, Multichain Account Contract activity, CrossChainLending positions or CrossChainPerp positions, the App or relevant tools or information may not always be entirely accurate, complete or current and may also include technical inaccuracies or typographical errors. The pricing information, market data, oracle data, yield data, staking data, liquidation data, bridge data, intent data, funding data, margin data, risk data or other information provided through the App does not represent an offer, a solicitation of an offer, or any advice regarding, or recommendation to enter into, a transaction with the Company or the App. Users should verify all information before relying on it, and all decisions based on information contained on the App or information tools are at the sole responsibility of each user. Notwithstanding any of the other provisions in these Terms, any photographs, graphic illustrations, videos, models, charts, designs, simulations, examples, scores, estimates, calculations or projections on the Site are strictly for information purposes only and have no contractual value nor do they form the basis of any contract with the Company.

Any reference in the App to a "best route", "best price", "optimal execution", "best execution", "recommended route", "estimated APY", "estimated APR", "estimated return", "estimated liquidation price", "estimated funding rate", or similar concept is a heuristic estimate computed from a limited set of pools, markets, venues, routes, or data sources at the time of display. It is not a representation or warranty about market best execution, the existence or absence of better venues, the price you will actually receive, or the result of any transaction. Prices, liquidity, rates, routes, gas, slippage, oracle values, interest rates, funding rates, liquidation thresholds and execution conditions may change between display, signing, submission, inclusion and finality. You are solely responsible for evaluating any quote, preview, route, parameter, approval, allowance, account permission or transaction before signing.

If the App displays any vault, automated strategy, rebalancing tool, optimizer, signal, AI-generated output, parameter suggestion, chatbot, summarizer or automated explanation, such feature is experimental software output and may be wrong, stale, incomplete, biased, hallucinated, adversarially manipulated or loss-making. Such output is not legal, financial, investment, tax, accounting, security or other professional advice and must not be relied on as a substitute for your own due diligence. You remain solely responsible for enabling, disabling, configuring, monitoring and exiting any vault, strategy, account permission or automated feature. You should not submit confidential, personal or sensitive information to any AI-powered feature; prompts, queries and outputs may be retained and used to operate, monitor and improve the Services in accordance with the Privacy Policy.

Neither the Company, the Site nor the App provides any lending, digital asset exchange, brokerage, portfolio management, fund management, staking management, validator management, bridge, remittance, payment, derivatives, clearing, settlement, investment advisory, financial advisory, tax, legal, custody or fiduciary services in connection with the Liquidity Pools, Lending Markets, LST Services, LSD Token Services, Multichain Account Contracts, CrossChainLending, CrossChainPerp or other Services. If you choose to engage in transactions with Liquidity Pools, Lending Markets, liquidity providers, lenders, borrowers, suppliers, stakers, liquidators, intent solvers, bridge providers, perpetual counterparties, or any other users, then such decisions and transactions and any consequences flowing therefrom are your sole responsibility. In no event shall the Company, its affiliates or their respective directors or employees be responsible or liable to you or anyone else, directly or indirectly, for any damage or loss arising from or relating to any interaction or continued interaction with any Services, or reliance on any information provided on the Site or the App.

Nothing communicated by the Company, any contributor, employee, agent, moderator, ambassador, affiliate, social-media account, community channel, documentation, white paper, announcement, blog post, support response, dashboard, AI feature or the App constitutes investment, legal, tax, accounting, security or other professional advice, an offer to sell or solicitation to buy any asset, or a recommendation. The Company owes you no fiduciary duty, duty of care, duty of loyalty, duty of disclosure, duty of best execution, suitability obligation or similar obligation. You should not rely on any statement, omission, interface display or appearance, including any representation about safety, audits, decentralisation, exploit response, yield, incentives, token value or future product features.

THE APP SOLELY FUNCTIONS AS A VISUAL USER INTERFACE AND TECHNICAL ACCESS TOOL. IN NO CIRCUMSTANCES SHALL THE COMPANY, THE SMART CONTRACTS, THE SITE OR THE APP BE CONSTRUED AS A LENDER, DIGITAL ASSET EXCHANGE, BROKER, DEALER, FUND MANAGER, FINANCIAL INSTITUTION, EXCHANGE, CUSTODIAN, ROBO-ADVISOR, INTERMEDIARY, CREDITOR, STAKING PROVIDER, VALIDATOR OPERATOR, BRIDGE PROVIDER, PERPETUAL CONTRACT PROVIDER, CLEARING HOUSE, SETTLEMENT SYSTEM, DERIVATIVES EXCHANGE, OR FINANCIAL ADVISER. THE SITE DOES NOT FACILITATE OR ARRANGE TRANSACTIONS BETWEEN BUYERS AND SELLERS, LENDERS AND BORROWERS, STAKERS AND VALIDATORS, OR CROSS-CHAIN USERS AND THIRD-PARTY INFRASTRUCTURE PROVIDERS, INCLUDING WITH RESPECT TO ANY TRANSACTIONS THAT OCCUR IN CONNECTION WITH A LIQUIDITY POOL, LENDING MARKET, LST SERVICE, LSD TOKEN SERVICE, MULTICHAIN ACCOUNT CONTRACT, CROSSCHAINLENDING, CROSSCHAINPERP OR OTHER SERVICE, WHICH TRANSACTIONS OCCUR ON THE RELEVANT BLOCKCHAIN NETWORK AND/OR THIRD-PARTY, UNAFFILIATED PLATFORMS. THE COMPANY IS NOT A COUNTERPARTY TO ANY TRANSACTION FACILITATED BY THE SMART CONTRACTS, THE SITE OR THE APP OR FOR ANY USER OF THE SITE. NEITHER THE SMART CONTRACTS, THE SITE NOR THE APP PROVIDES FINANCIAL ADVISORY, LEGAL, REGULATORY, TAX OR OTHER PROFESSIONAL SERVICES DIRECTLY, INDIRECTLY, IMPLICITLY, OR IN ANY OTHER MANNER, AND YOU SHOULD NOT CONSIDER ANY CONTENT CONTAINED IN THESE TERMS OR OTHERWISE POSTED ON THE SITE TO BE A SUBSTITUTE FOR PROFESSIONAL FINANCIAL, LEGAL, REGULATORY, TAX OR OTHER ADVICE. THE COMPANY DOES NOT SUPPORT OR ENDORSE ANY LIQUIDITY POOL, LENDING MARKET, TOKEN, ACCOUNT, STRATEGY, VALIDATOR, BRIDGE, INTENT SOLVER, PERPETUAL POSITION, USER-CREATED POOL, OR THIRD-PARTY SERVICE.

The Company reserves the right to suspend or terminate access to the Site or the App by any creator of Liquidity Pools or user of Liquidity Pools, Lending Markets, LST Services, LSD Token Services, Multichain Account Contracts, CrossChainLending, CrossChainPerp or any other Services for any reason whatsoever, including without limitation for a breach of these Terms. You agree that the Company will not be liable to you or to any third party for any suspension or termination of any user.

Access to the Smart Contracts, the App or the Site may become degraded or unavailable during times of significant volatility, congestion, bridge delays, intent settlement delays, oracle failures, liquidations, network outages or transaction volume. This could result in the inability to interact with third-party services for periods of time and may also lead to support response time delays. The Company cannot guarantee that the Smart Contracts, the App or the Site will be available without interruption and neither do we guarantee that requests to interact with third-party services will be successful.

Fees and Payment

If you elect to interact with Liquidity Pools, Lending Markets, LST Services, LSD Token Services, Multichain Account Contracts, CrossChainLending, CrossChainPerp or other Services, all transactions relating to the same will be conducted solely through the relevant Blockchain Network or applicable third-party infrastructure. We will have no insight into or control over these payments or transactions, nor do we have the ability to reverse any transactions. With that in mind, we will have no liability to you or to any third party for any claims or damages that may arise as a result of any transactions that you engage in via the App, using the Smart Contracts, or using any other transaction that you conduct via the relevant Blockchain Network or other supported blockchain network.

The relevant Blockchain Network typically requires the payment of a transaction fee, gas fee, storage deposit, account creation fee, bridge fee, relayer fee, solver fee, oracle fee, funding payment, liquidation penalty, staking or unstaking fee, protocol fee, or other network or protocol fee for transactions that occur on the relevant Blockchain Network or through related infrastructure. This means that you may need to pay fees for each transaction that occurs via the Smart Contracts, the App, a Multichain Account Contract, a bridge, NEAR Intents, or any Cross-Chain Service.

You may be subject to certain additional fees and commissions, including fees imposed by creators of Liquidity Pools, Lending Markets, LST Services, LSD Token Services, Multichain Account Contracts, CrossChainLending, CrossChainPerp, NEAR Intents, bridges, solvers, relayers, or other third-party infrastructure, as notified to you prior to engaging with any digital asset swap, liquidity provision, lending, borrowing, staking, minting, redemption, account creation, bridge, perpetual or other transaction. The Company also reserves the right to levy additional fees for access via the Smart Contracts, the Site or the App in the future. You agree to promptly pay all aforementioned fees and commissions.

The Company or its affiliates may receive software-access fees, interface fees, routing fees, referral fees, integration fees, grants, rebates, rewards, points, or other economic benefits in connection with the App, the Smart Contracts, the Services, External Sites, third-party infrastructure, or ecosystem programs. The receipt, sharing or payment of any such fees or benefits does not create any agency, brokerage, advisory, fiduciary, best-execution, custody, partnership, revenue-sharing or similar relationship between the Company and you or any third party. Unless expressly stated otherwise, all fees, network costs, protocol charges, funding payments, liquidation penalties, bridge fees, solver fees, relayer fees and similar amounts are non-refundable.

Any gas subsidy, fee sponsorship, rebate, promotional credit or other incentive that the Company may make available is discretionary, may be modified or withdrawn at any time, may be subject to additional eligibility requirements, and is not the Company's acceptance, custody or transmission of value on your behalf or on behalf of any third party.

Notwithstanding anything in these Terms to the contrary, you will be solely responsible to pay any and all sales, use, value-added and other taxes, duties, and assessments, except taxes on the Company's net income, now or hereafter claimed or imposed by any governmental authority associated with your use of the App, including without limitation any taxes that may become payable as the result of your ownership, transfer, staking, lending, borrowing, liquidation, bridging, minting, redemption, receipt, sale, exchange, funding payment, margin activity, perpetual activity, or other interaction with digital assets or the Services.

Intellectual Property and Content

The Company owns the Site and the App. You acknowledge and agree that the Company, or as applicable, its affiliates, owns all legal right, title and interest in and to all other elements of the Site and the App, and all intellectual property rights therein, including without limitation all designs, systems, methods, information, computer code, software, services, website design, look and feel, organisation, compilation of the content, code, data and database, functionality, audio, video, text, photograph, graphics, copyright, trademarks, and all other elements of the App (collectively, the "Materials"). You acknowledge that the Materials are protected by copyright, trade dress, patent, and trademark laws, international conventions, other relevant intellectual property and proprietary rights, and applicable laws. All Materials are the copyrighted property of the Company or its licensors, and all trademarks, service marks, and trade names associated with the App or otherwise contained in the Materials are proprietary to the Company or its licensors. Except as expressly set forth herein, your use of the App does not grant you ownership of or any other rights with respect to any content, code, data, or other Materials that you may access on or through the App. We reserve all rights in and to the Materials that are not expressly granted to you in these Terms.

By interacting with the Services, you are granted a limited, non-exclusive, non-transferable, revocable license to use the Site and the App for your personal use. Neither these Terms nor your access to the Smart Contracts, the Site and the App transfers to you or any third party any rights, title or interest in or to intellectual property rights in the Materials, except for the limited access rights expressly set forth in these Terms. The Company expressly reserves all rights not granted in these Terms. There are no implied licenses granted under these Terms.

By acceptance of these Terms, you agree and acknowledge that all information and content provided by you, including your username, contact list, Liquidity Pools interacted with, Lending Markets interacted with, Multichain Account Contract information, messages, posts, comments or user generated content (the "UGC") in any communication channel, including without limitation X, Discord or Telegram, shall be considered non-confidential and non-proprietary information. By providing such UGC, you specifically grant the Company a non-exclusive, irrevocable, transferable, sub-licensable, royalty-free, worldwide license to use, copy, duplicate, store, present and publish all or any part of the UGC, and the Company shall be free to use such UGC in any manner or media whatsoever, on an unrestricted basis and without any attribution or royalties or other compensation to you, including without limitation within or outside the Site or the App, and in any digital or printed media.

You acknowledge that you shall be responsible for any UGC that you submit or transmit through the Site or the App, including your responsibility as to the legality, reliability, appropriateness, originality and copyright of any such information or material. Additionally, you represent and warrant that: (a) you own all right title and interest in any UGC provided by you, (b) such UGC does not violate any applicable laws, and (c) the posting of your UGC by us does not and will not violate the privacy rights, publicity rights, copyright, contract rights or any other rights of any individual or make derogatory remarks regarding, defame or otherwise criticise any person or entity. You shall be solely liable for any damage resulting from any infringement or other violation of the copyright, trademarks or other proprietary rights of any individual or entity, and for any other harm or losses resulting from any UGC.

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information regarding the Smart Contracts, the Site and the App ("Feedback") provided by you to us are non-confidential and should become our sole property. We should own exclusive rights, including all intellectual property rights, and should be entitled to the unrestricted use and dissemination of this Feedback for any lawful purpose, commercial, or otherwise, without acknowledgment or compensation to you. You hereby waive any moral rights to any such Feedback, and you hereby warrant that any such Feedback is original with you or that you have the right to submit such Feedback. You agree there should be no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in your Feedback.

User Terms

You agree that you are responsible for your own conduct while accessing or using the App, and for any consequences thereof. You agree to use the App only for purposes that are legal, proper and in accordance with these Terms and any applicable laws or regulations, including without limitation you may not, and may not allow any third party to: (a) send, upload, distribute or disseminate any unlawful, defamatory, harassing, abusive, fraudulent, obscene, or otherwise objectionable content; (b) distribute viruses, worms, defects, Trojan horses, corrupted files, hoaxes, or any other items of a destructive or deceptive nature; (c) impersonate another person; (d) upload, post, transmit or otherwise make available through the App any content that infringes the intellectual proprietary rights of any party; (e) use the App to violate the legal rights, such as rights of privacy and publicity, of others; (f) engage in, promote, or encourage illegal activity, including without limitation money laundering, sanctions evasion or terrorist financing; (g) interfere with other users' enjoyment of the App; (h) exploit the App for any unauthorised commercial purpose; (i) modify, adapt, translate, decompile, disassemble or reverse engineer any portion of the App; (j) attempt to bypass any measure of the Site designed to prevent or restrict access to the Site, or any portion of the Site or the App; (k) harass, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site or the App to you; (l) remove any copyright, trademark or other proprietary rights notices contained in or on the App, the contents or any part of it; (m) reformat or frame any portion of the App; (n) display any content on the App that contains hate-related or violent content or contains any other material, products or services that violate or encourage conduct that would violate any criminal laws, any other applicable laws, or any third-party rights; (o) use any robot, spider, site search/retrieval application, or other device to retrieve or index any portion of the App or the content posted on the App, or to collect information about its users for any unauthorised purpose; (p) upload or transmit, or attempt to upload or transmit, any material that acts as a passive or active information collection or transmission mechanism, including without limitation gifs, pixels, web bugs, cookies, spyware or passive collection mechanisms; (q) access or use the App by automated means or under false or fraudulent pretences; (r) access or use the App for the purpose of directly or indirectly creating or enabling a party to create a product or service that is competitive with any of our products or services; (s) use the Site, the App and the Smart Contracts to advertise or offer to sell goods and services; (t) conduct any activity that violates any applicable law, rule, or regulation concerning the integrity of trading markets, including but not limited to spoofing, wash trading, cornering, accommodation trading, fictitious transactions, money pass transactions, pre-arranged transactions or non-competitive transactions; (u) misuse Multichain Account Contracts, bridge infrastructure, NEAR Intents, solvers, relayers, or Cross-Chain Services to evade restrictions, obscure source of funds, manipulate markets, bypass sanctions, exploit smart contracts, or misappropriate assets; (v) use the App, the Smart Contracts or any Services in a manner that would cause the Company or any third party to violate applicable laws relating to digital assets, securities, derivatives, commodities, lending, money transmission, sanctions, anti-money laundering, counter-terrorist financing, gambling, gaming, tax, privacy or consumer protection; or (w) disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site, the App, and the Smart Contracts. If you engage in any of the activities prohibited by this section, we may, at our sole and absolute discretion, without notice to you, and without limiting any of our other rights or remedies at law or in equity, immediately suspend or terminate your access to the Site or the App and delete your UGC from the Site.

In addition, you may not exploit, attack or attempt to exploit any vulnerability in the App, the Smart Contracts, any External Site, any oracle, any bridge, any underlying blockchain or any connected infrastructure, except with the Company's prior written authorisation or under a bug bounty program expressly designated by the Company. You may not use the Services to develop, train, benchmark or improve any artificial intelligence model, large-language-model corpus, trading signal product, copy-trading service, managed account service, white-labelled interface or competing product without the Company's prior written consent.

By using the Site, the App and the Smart Contracts, you represent and warrant that: (a) you have read and understood these Terms and all documentation on the App or the Site; (b) you have good and sufficient experience and understanding of the functionality, usage, storage, transmission mechanisms and other material characteristics of cryptographic tokens, token storage mechanisms, blockchain technology, blockchain-like technology, blockchain-based software systems, cross-chain transfers, lending, borrowing, staking and perpetual products to understand these Terms and to appreciate the risks and implications of interacting with the Services; (c) you acknowledge and agree that we may impose eligibility criteria to access certain functionality in respect of Rhea Finance which may require you to incur additional time and money costs; (d) you interact with the Services for your own account and shall not do the same on behalf of any other entity or person unless you have full legal authority and comply with all applicable laws; (e) your interaction with the Services complies with applicable law and regulation in your jurisdiction, and the law and regulation of any jurisdiction to which you may be subject; (f) all information you submit will be true, accurate, current, and complete; (g) you will maintain the accuracy of such information and promptly update such information as necessary; (h) you have the legal capacity and you agree to comply with these Terms; (i) you are not a minor in the jurisdiction in which you reside; (j) you will not use the Site, the App and the Smart Contracts for any illegal or unauthorised purpose; (k) you will not use the Site, the App and the Smart Contracts for any commercial purpose save as approved by the Company in writing; (l) your use of the Site, the App and the Smart Contracts will not violate any applicable law or regulation; (m) any funds or digital assets staked, deposited, supplied, bridged, borrowed, posted as collateral, used for margin, used for account creation, or otherwise used in connection with the Services are not derived from or related to any unlawful activities, including but not limited to money laundering or terrorist financing; and (n) you will not use the Smart Contracts, the Site or the App to finance, engage in, or otherwise support any unlawful activities or in a manner which aids or facilitates another party in the same. To the extent required by applicable laws and regulations, you shall fully comply with all compliance regulations.

We reserve the right, but shall not be obliged, to conduct Know Your Customer and Anti-Money Laundering checks on you if deemed necessary by us at our sole discretion or if such checks become required under applicable laws in any jurisdiction. Upon our request, you shall immediately provide us with information and documents that we deem necessary or appropriate to conduct such checks. Such documents may include, but are not limited to, passports, driver's licenses, utility bills, photographs of associated individuals, government identification cards or sworn statements before notaries or other equivalent professionals. Notwithstanding anything herein, we may, in our sole discretion, refuse to provide access to the Site or the App to you until such requested information is provided, or in the event that, based on information available to us, you are suspected of using the Smart Contracts, the Site or the App in connection with money laundering, terrorism financing, sanctions evasion, market manipulation, fraud, or any other illegal activity. In addition, we shall be entitled to use any possible efforts for preventing money laundering, terrorism financing or any other illegal activity, including without limitation blocking your access to the Smart Contracts, the App or the Site or providing your information to any regulatory authority.

Without limiting any other provision of these Terms, the Company may, in its sole discretion and without liability or notice to you, cooperate with any law-enforcement, regulatory, tax, sanctions or judicial authority, respond to subpoenas, warrants, court orders, freezing orders, requests for information, mutual legal assistance requests or whistleblower inquiries, implement controls, blocks or restrictions required by applicable law, and preserve, disclose or transfer information or content as the Company reasonably believes is necessary to comply with law or to protect the Company, users or third parties. Nothing in these Terms creates any duty for the Company to challenge, narrow or contest any such request, and the Company is not liable for any disclosure made in good faith.

You are responsible for complying with applicable laws, including tax laws, in connection with usage of the Smart Contracts, the Site, the App or interactions with the Services. You agree that we are not responsible for determining whether or which laws may apply to said interactions. You are advised to consult your own lawyers, accountants and other advisers regarding the legality and implications of any such activities. You are solely responsible for reporting and paying any taxes arising from your usage of the Smart Contracts, the Site, the App or interactions with the Services.

Risks borne by users

You acknowledge and agree that the Services, the Site and the App are currently in development and there are a variety of unforeseeable risks with utilising the foregoing. In the worst scenario, this could lead to the loss of all or part of your digital assets interacting with the Services, the Site, the App or the Smart Contracts. IF YOU DECIDE TO UTILISE SERVICES YOU EXPRESSLY ACKNOWLEDGE, ACCEPT AND ASSUME THE BELOW RISKS AND AGREE NOT TO HOLD THE COMPANY OR ANY OF ITS AFFILIATES RESPONSIBLE FOR THE FOLLOWING RISKS:

To the fullest extent permitted by applicable law, you expressly assume all risks in connection with your access to and use of the Services and waive, release and forever discharge the Company, its affiliates and their respective shareholders, members, directors, officers, employees, agents, representatives, contractors, contributors, service providers and licensors from any and all liability, claims, causes of action, demands, suits, losses and damages, whether known or unknown, suspected or unsuspected, accrued or contingent, arising from or relating to your access to or use of the Services, any transaction you submit, sign or fail to submit, any exploit, hack, oracle failure, bridge failure, de-peg, liquidation, MEV, network congestion, fork, third-party act, External Site, Third-Party Content, or any loss of digital assets, keys, access, opportunity, rewards or yield. Nothing in this paragraph releases liability that cannot lawfully be released.

Using the App and interacting with the Services carry financial risk. Transactions relating to digital assets are very risky, and such digital assets are, by their nature, highly experimental, risky, volatile and generally irreversible. You should not make any transactional decision without first conducting your own research. You are solely and exclusively responsible for determining whether any Liquidity Pool, Lending Market, staking position, LSD token, Multichain Account Contract, CrossChainLending position, CrossChainPerp position, transaction, strategy, or any other product or service is appropriate or suitable for you based on your own objectives and personal and financial situation. You acknowledge and agree that you will access and use the Smart Contracts, the Site and the App and interact with the Services at your own risk.

You represent that you have sufficient knowledge, market sophistication, professional advice and experience to make your own evaluation of the merits and risks of any interaction with the Services and the underlying digital assets. You accept all consequences of participating in such interactions, including the risk that you may lose access to your digital assets indefinitely. All decisions to interact with the Services are made solely by you. Notwithstanding anything in these Terms, the Company accepts no responsibility whatsoever for and will in no circumstances be liable to you in connection with any interaction with the Services and the underlying digital assets. Under no circumstances will the operation of all or any portion of the Smart Contracts, the Site or the App be deemed to create a relationship that includes any management of any assets, or the provision or tendering of investment advice.

Rhea Finance is simply an administrative platform offering technical tools. Digital assets are not legal tender, are not backed by any government, and are not subject to any deposit insurance scheme or protections under any banking or securities laws. The Company is not a bank and does not offer any lending services, fiduciary services, security broking services, derivatives services, staking management services, payment services, bridge services or custody services.

No deposit insurance, investor-protection fund, government guarantee, private insurance policy, compensation scheme or similar protection applies to any digital asset, token, account, position, pool, market, strategy, Multichain Account Contract, Cross-Chain Service or transaction you access through the Services, unless expressly stated in separate written terms by the relevant third-party provider of that protection.

The prices of blockchain assets are extremely volatile. Fluctuations in the price of other digital assets could materially and adversely affect the value of your digital assets held in Liquidity Pools, Lending Markets, LST Services, LSD Token Services, Multichain Account Contracts, CrossChainLending, CrossChainPerp or other Services, which may also be subject to significant price volatility. We cannot guarantee that any users interacting with the Services will not lose money.

REF, BRRR, RHEA and any other tokens associated with Rhea Finance, prior Ref Finance or prior Burrow Finance may experience extreme price volatility, loss of liquidity, market manipulation, de-listing, lack of market demand, governance changes, smart contract failures, migration failures, incorrect or delayed allocations, vesting or lock-up changes, dilution, regulatory restrictions, tax consequences, or total loss of value. The Company has no obligation to support, stabilise, repurchase, redeem, burn, list, maintain liquidity for, compensate losses in respect of, or take any action intended to affect the market price of REF, BRRR, RHEA or any other token. You acknowledge and agree that you acquire, hold, receive, migrate, sell, transfer, stake, lock or otherwise interact with any such token solely at your own risk, and that the Company shall not be liable for any losses arising out of or relating to token price fluctuations, market conditions, lack of liquidity, failed or delayed migration, loss of utility, or any change in the perceived or actual value of any such token.

Neither the Smart Contracts, Site, the App nor Liquidity Pools hold in custody, store, send, or receive any of your digital assets. This is because your digital assets exist only by virtue of the ownership record maintained on the relevant Blockchain Network or other supported blockchain network. Any transfer of digital assets occurs within the relevant Blockchain Network, other supported blockchain networks, Multichain Account Contracts, bridge systems, intent systems, or applicable Smart Contracts, and not on the Site or the App itself.

All smart contracts, including the Smart Contracts, may contain security vulnerabilities, errors, failures, bugs or economic loopholes which may be exploited by third parties, causing you to suffer losses in connection with any digital assets deployed, supplied, staked, bridged, borrowed, posted as collateral, used for margin, or re-deployed by the Services. Interaction with these Smart Contracts is entirely at your own responsibility and liability, and the Company is not a party to the Smart Contracts. Further, when you interact with the Services and place digital assets therein, these digital assets may be re-deployed with various third-party decentralised finance or smart contract protocols. The development teams for these third-party protocols are independent from the Company, so the Company has no control over these third-party protocols or the underlying smart contracts. The Company is not responsible for any security vulnerabilities, errors, failures, bugs or economic loopholes in respect of these third-party protocols or the underlying smart contracts, including without limitation any smart contracts associated with decentralised finance, cross-chain asset transfers, cross-chain data transfers, wrappers, bridges, NEAR Intents, oracles, relayers, solvers or perpetual protocols.

Security reviews, audits, formal verification, monitoring, incident updates, bug bounties, code reviews and remediation communications, if any, reduce but do not eliminate risk and are not representations that the App, the Smart Contracts, the Services or any third-party system are safe, secure, accurate, complete, exploit-proof, free of defects or eligible for compensation. Any voluntary investigation, statement, governance proposal, grant, reimbursement, recovery effort, airdrop, insurance claim, settlement, remediation or other response by the Company or any third party after a security incident is discretionary, gratuitous, non-precedential and not an admission of fault, fiduciary duty, course of dealing, obligation to compensate, or expectation of future compensation.

No creator of Liquidity Pools, Lending Markets, LST Services, LSD Token Services, Multichain Account Contracts, CrossChainLending, CrossChainPerp, or any other Service will be able to guarantee the future performance of digital assets, any specific level of performance, the success of any strategy or your overall results. When reviewing information, portfolios, performance, opinions, scores, rates, funding rates, APYs, interest rates, exchange rates, collateral factors, liquidation thresholds, validator information, bridge quotes, intent quotes or other data, do not assume that any party is unbiased, independent or qualified to provide financial information or opinions. Past performance and risk scores have many inherent limitations and are not indicative of future results. No representation or guarantee is being made that any position will or is likely to achieve gains, losses, yield, fees, rewards, funding, redemption, staking return or performance similar to past performance. Your actual results will vary depending on many factors.

Providing liquidity to automated market maker pools, concentrated-liquidity positions, lending markets, staking-related pools, vaults, strategies or similar protocol mechanisms may expose you to impermanent loss, divergence loss, idle capital, dilution from new entrants, mis-priced LP positions, liquidation, MEV extraction, de-pegs, smart contract failures and total loss of capital. The value of LP positions, vault shares, receipt tokens, LSD tokens, LST tokens and other protocol records is not guaranteed and may diverge materially from the value of the underlying assets.

Liquid staking tokens, including rNEAR and other supported liquid staking tokens, may be subject to validator slashing, validator downtime, delayed unstaking, liquidity shortages, de-pegging, exchange rate errors, smart contract bugs, oracle failures, governance changes, validator concentration, market manipulation, insolvency of related services, or inability to redeem. The existence of a liquid token does not guarantee immediate liquidity or redemption for the underlying asset.

LSD tokens and LSD Token Services may be subject to additional risks, including incorrect supply execution, failure of the LSD Token Service contract to interact correctly with a Lending Market, incorrect minting or burning, accounting mismatches, liquidity shortages, inability to redeem, lending market insolvency, interest rate changes, liquidation, collateral factor changes, oracle failure, smart contract upgrade risk, composability risk, and user misunderstanding of the relationship between an LSD token and the underlying lending position. An LSD token is not a claim against the Company and is not guaranteed by the Company.

Multichain Account Contracts and Cross-Chain Services may be subject to cross-chain messaging failure, bridge failure, NEAR Intents failure, solver non-performance, relayer non-performance, stale prices, failed deposits, failed withdrawals, failed account creation, incorrect account routing, chain reorganisation, finality assumptions, replay attacks, signature or permission misuse, external-chain wallet compromise, account abstraction bugs, failed liquidation protection, congestion, or inability to control or recover a Multichain Account Contract. Each Multichain Account Contract is associated with an individual user or user-controlled account configuration, and the Company does not operate a pooled account or hosted account for users.

CrossChainPerp and any perpetual, leverage, margin, funding or derivative-like functionality, including functionality accessed through Hyperliquid or any other third-party perpetual trading platform, may involve elevated risk, including rapid loss of collateral, liquidation, auto-deleveraging, funding payments, mark price error, index price error, oracle failure, slippage, liquidity shortages, forced position closure, inability to close or reduce positions, withdrawal delays, bridge delays, account restrictions, API outages, order book disruption, matching engine failure, regulatory restrictions, and total loss of posted margin or collateral. Such functionality may not be suitable for you and may be unlawful in your jurisdiction. The Company does not guarantee any Hyperliquid order placement, execution, cancellation, fill, mark price, index price, funding rate, liquidation outcome, margin requirement, risk parameter, withdrawal, bridge, settlement, uptime, security, solvency, compliance, asset availability, or account access.

Cross-chain functionality may depend on bridges, message relayers, multi-party-computation networks, signers, validators, aggregators, NEAR Intents infrastructure, solvers, market makers, liquidity providers and similar infrastructure, whether operated by the Company, by third parties or by a combination of both. Such infrastructure may fail, be exploited, be paused, censor transactions, sign maliciously, lose or compromise key shares, settle inconsistently across chains, or settle at a different price, timing or finality than expected. Cross-chain transactions may be irreversible and may result in partial or total loss.

Hackers or other malicious groups or organisations may attempt to interfere with the Smart Contracts, the Site, the App, Liquidity Pools, Lending Markets, LST Services, LSD Token Services, Multichain Account Contracts, Cross-Chain Services or related third-party infrastructure in a variety of ways, including but not limited to malware attacks, denial of service attacks, consensus-based attacks, Sybil attacks, smurfing and spoofing, phishing, front-running, sandwich attacks, oracle manipulation, governance attacks, signature replay, bridge exploits, intent solver exploits and account abstraction exploits, which may result in losses incurred by you. Furthermore, because the relevant Blockchain Network comprises open-source software, there is the risk that the software underlying the Services may contain intentional or unintentional bugs or weaknesses that may negatively affect the Services or the Smart Contracts, or result in the loss of the user's digital assets, or the loss of the user's ability to access or control their digital assets. In the event of such a software bug or weakness, there may be no remedy, and users are not guaranteed any remedy, refund or compensation.

The Site, the App, wallet connections, transaction previews, routing systems, hosted assets, DNS records, content delivery networks, RPC endpoints, indexers, analytics systems, browser extensions and other front-end or operational infrastructure may be unavailable, stale, incorrect, maliciously injected, compromised or subject to denial-of-service attacks, DNS hijacking, BGP attacks, certificate-authority compromise, supply-chain attacks, phishing, spoofing or other attacks. You should independently verify destination contract addresses, token approvals, account permissions, transaction parameters, chain IDs, amounts, routes and recipient addresses in your wallet or signing interface before signing.

The regulatory status of digital assets, staking, liquid staking, lending, borrowing, perpetual contracts, account abstraction, cross-chain transfer, bridges, intent-based settlement and distributed ledger technology is unclear or unsettled in many jurisdictions. While efforts may be taken to support compliance, it is difficult to predict how or whether regulatory agencies may apply existing regulation with respect to the same. It is likewise difficult to predict how or whether legislatures or regulatory agencies may implement changes to law and regulation affecting distributed ledger technology and its applications, including the Services, the Site, the App or the Smart Contracts. Regulatory actions could negatively impact the Company in various ways, and thus the Services may not be available in certain areas.

The underlying Smart Contracts run on a variety of supported blockchain networks. Accordingly, upgrades to the relevant Blockchain Network, a hard fork in the relevant Blockchain Network, reorganisations of blockchain structure or blocks, validator issues, bridge changes, account model changes, changes to NEAR Intents, or a change in how transactions are confirmed on the relevant Blockchain Network or any connected network may have unintended, adverse effects on the Smart Contracts and the Services.

Cryptographic primitives, signature schemes, hashing algorithms, zero-knowledge systems, multi-signature mechanisms, MPC systems and other security assumptions currently considered secure may be weakened or broken in the future, including through advances in cryptanalysis or quantum computing, which could result in loss of assets or loss of account control.

The Site, Services and Smart Contracts may rely on or utilise a variety of external third-party services or software, including without limitation decentralised cloud storage services, analytics tools, oracles, bridges, NEAR Intents, RPC providers, indexers, relayers, solvers, validators, market makers, liquidators, custodial or non-custodial wallets, and external blockchain networks. The Services may be adversely affected by any number of risks related to these third-party services or software, which may be compromised in the event of security vulnerabilities, cyberattacks, malicious activity, insolvency, operational failures, censorship, delays, downtime or technical interruptions.

The Company may, but has no obligation to users to, screen, block, filter, geofence, delist, hide, refuse to display, refuse to route, refuse to relay, or otherwise restrict addresses, wallets, tokens, routes, pools, markets, validators, oracles, bridges, intent solvers, counterparties, transactions or jurisdictions for legal, sanctions, security, technical, market-integrity, operational or risk-management reasons. Any such screening or restriction is for the Company's compliance and risk-management purposes only and is not a representation that any displayed, accessible or routed transaction is lawful, safe, suitable, solvent or appropriate for you.

You accept and confirm that a conflict of interest may arise when the interest of the Company and its affiliates competes or may appear to compete with your interests under these Terms. Specifically, you acknowledge and confirm that: (a) the Company may participate in certain transactions in an individual capacity; (b) the Company may execute at the same time its own orders which may be opposite that of a user; (c) the Company may establish business, including without limitation trading relationships with other ecosystem participants, financial institutions, digital asset owners, digital asset exchanges, issuers of financial instruments and third-party infrastructure providers, and we may have a financial interest in such instruments; (d) the Company may seek to act as a market maker and in this context there may be inherent conflicts of interest; and (e) the Company may compensate or share its revenues from activities in connection with the Smart Contracts, the Site, the App or the Services with various users, creators of Liquidity Pools, users of Liquidity Pools, lenders, borrowers, stakers, validators, solvers, relayers, liquidators, the Company's affiliates, partners or other similar parties.

External sites and Third-Party Content

The Site or the App may include, display, link to, route through, integrate with, or make available other websites, resources, bridges, wallets, explorers, dashboards, intent systems, oracle systems, analytics systems, RPC providers, indexers, relayers, solvers, validators, perpetual platforms, including Hyperliquid, lending protocols, aggregators, social-media services, mirrors, forks, IPFS gateways, decentralised front-ends, cached deployments, unofficial interfaces, third-party applications, or other third-party content (collectively, "External Sites" or "Third-Party Content"), which are provided solely for your convenience. Your use of any External Site or Third-Party Content is governed by the applicable third-party terms, privacy policies and smart contracts, even if accessed through a Rhea Finance-branded route, default setting, integration, API, link or referral, and even if the Company receives fees, points, rebates or other consideration in connection with such access.

We have no control over any External Sites or Third-Party Content. You acknowledge and agree that we are not responsible for the availability, accuracy, security, legality, solvency, conduct, content, products, services, smart contracts, or performance of any External Sites or Third-Party Content, and that we do not endorse, control, audit or assume responsibility for any advertising, products, materials, tokens, markets, counterparties, transactions or other content on or made available from any External Sites or Third-Party Content. You release the Company from all claims, losses and damages arising from or relating to External Sites or Third-Party Content.

Disclaimers

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR ACCESS TO AND USE OF THE SMART CONTRACTS, THE SITE, THE APP, LIQUIDITY POOLS, LENDING MARKETS, LST SERVICES, LSD TOKEN SERVICES, MULTICHAIN ACCOUNT CONTRACTS, CROSSCHAINLENDING, CROSSCHAINPERP AND ALL OTHER SERVICES IS AT YOUR SOLE RISK, AND THAT THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE COMPANY, ITS SUBSIDIARIES, AFFILIATES, AND LICENSORS MAKE NO EXPRESS WARRANTIES AND HEREBY DISCLAIM ALL IMPLIED WARRANTIES REGARDING THE APP AND ANY PART OF IT, INCLUDING WITHOUT LIMITATION THE SMART CONTRACTS, THE SITE, THE APP, LIQUIDITY POOLS, LENDING MARKETS, LST SERVICES, LSD TOKEN SERVICES, MULTICHAIN ACCOUNT CONTRACTS, CROSSCHAINLENDING, CROSSCHAINPERP, OR ANY EXTERNAL WEBSITES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, CORRECTNESS, ACCURACY, OR RELIABILITY. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, THE COMPANY, ITS SUBSIDIARIES, AFFILIATES, AND LICENSORS DO NOT REPRESENT OR WARRANT TO YOU THAT: (A) YOUR ACCESS TO OR USE OF THE SMART CONTRACTS, THE SITE, THE APP AND THE SERVICES WILL MEET YOUR REQUIREMENTS, (B) YOUR ACCESS TO OR USE OF THE SMART CONTRACTS, THE SITE, THE APP AND THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR FREE FROM ERROR, (C) USAGE DATA PROVIDED THROUGH THE SMART CONTRACTS, THE SITE, THE APP AND THE SERVICES WILL BE ACCURATE, (D) THE SMART CONTRACTS, THE SITE, THE APP AND THE SERVICES, OR ANY CONTENT, SERVICES, OR FEATURES MADE AVAILABLE ON OR THROUGH THE SMART CONTRACTS, THE SITE, THE APP AND THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR (E) THAT ANY DATA THAT YOU DISCLOSE WHEN YOU USE THE SMART CONTRACTS, THE SITE, THE APP AND THE SERVICES WILL BE SECURE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES IN CONTRACTS WITH CONSUMERS, SO SOME OR ALL OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

WITHOUT LIMITING THE FOREGOING, THE COMPANY, ITS SUBSIDIARIES, AFFILIATES, CONTRIBUTORS, SERVICE PROVIDERS AND LICENSORS DO NOT REPRESENT OR WARRANT THAT: (A) ANY DATA, PRICE, ROUTE, SLIPPAGE ESTIMATE, GAS ESTIMATE, INTEREST RATE, FUNDING RATE, LIQUIDATION PRICE, COLLATERAL FACTOR, APY, APR, VALIDATOR DATA, BRIDGE QUOTE, INTENT QUOTE, OR RISK PARAMETER DISPLAYED IN THE APP IS ACCURATE, COMPLETE, CURRENT OR AVAILABLE; (B) ANY TOKEN, POOL, MARKET, VALIDATOR, BRIDGE, INTENT SOLVER, COUNTERPARTY OR THIRD-PARTY SERVICE IS LEGITIMATE, SOLVENT, COMPLIANT, NON-FRAUDULENT, NON-INFRINGING OR SUITABLE; (C) ANY TRANSACTION WILL BE INCLUDED, EXECUTED, SETTLED, FINALISED, REVERSED, UNWOUND OR EXECUTED AT ANY PARTICULAR PRICE OR TIME; (D) ANY YIELD, REWARD, REBATE, INCENTIVE, AIRDROP, TOKEN ALLOCATION, MIGRATION, REDEMPTION, STAKING RETURN OR GOVERNANCE OUTCOME WILL OCCUR OR BE PAID; (E) ANY EXPLOIT, HACK, ORACLE FAILURE, BRIDGE FAILURE, ACCOUNT ABSTRACTION FAILURE, NEAR INTENTS FAILURE, SOLVER FAILURE, DE-PEG, LIQUIDATION, MEV, CENSORSHIP, NETWORK CONGESTION OR THIRD-PARTY ACT WILL BE PREVENTED, MITIGATED, REIMBURSED, REVERSED OR REMEDIED; (F) ANY VAULT, STRATEGY, AI OUTPUT, MODEL, ROUTING TOOL, OPTIMIZER OR SIGNAL WILL ACHIEVE ANY RESULT; OR (G) ANY DEFECT, ERROR OR VULNERABILITY WILL BE CORRECTED.

YOU ACCEPT THE INHERENT SECURITY RISKS OF PROVIDING INFORMATION AND DEALING ONLINE OVER THE INTERNET, BLOCKCHAINS, BRIDGES, INTENT SYSTEMS, CROSS-CHAIN SYSTEMS, SMART CONTRACTS AND ACCOUNT ABSTRACTION SYSTEMS, AND AGREE THAT THE COMPANY HAS NO LIABILITY OR RESPONSIBILITY FOR ANY BREACH OF SECURITY UNLESS IT IS DUE TO THE COMPANY'S WILFUL DEFAULT.

DIGITAL ASSETS ARE INTANGIBLE DIGITAL ASSETS THAT EXIST ONLY BY VIRTUE OF THE OWNERSHIP RECORD MAINTAINED IN THE RELEVANT BLOCKCHAIN NETWORK OR OTHER SUPPORTED BLOCKCHAIN NETWORK. ALL SMART CONTRACTS IN CONNECTION WITH THE RHEA FINANCE ECOSYSTEM ARE DEPLOYED ON AND INTERACTIONS OR TRANSACTIONS WITH THE SAME OCCUR ON DECENTRALISED LEDGERS WITHIN THE RELEVANT BLOCKCHAIN NETWORK OR THIRD-PARTY BLOCKCHAIN NETWORKS. WE HAVE NO CONTROL OVER AND MAKE NO GUARANTEES OR PROMISES WITH RESPECT TO SMART CONTRACTS.

THE COMPANY IS NOT RESPONSIBLE FOR LOSSES DUE TO BLOCKCHAINS OR ANY OTHER FEATURES OF THE RELEVANT BLOCKCHAIN NETWORK, ANY CONNECTED BLOCKCHAIN NETWORK, NEAR INTENTS, BRIDGES, SOLVERS, RELAYERS, OR YOUR SELECTED ELECTRONIC WALLET SERVICE, INCLUDING BUT NOT LIMITED TO LATE REPORT BY DEVELOPERS OR REPRESENTATIVES, OR NO REPORT AT ALL, OF ANY ISSUES WITH THE BLOCKCHAIN SUPPORTING THE RELEVANT BLOCKCHAIN NETWORK, INCLUDING FORKS, TECHNICAL NODE ISSUES, ACCOUNT ABSTRACTION ISSUES, BRIDGE ISSUES, INTENT SETTLEMENT ISSUES, OR ANY OTHER ISSUES HAVING FUND LOSSES AS A RESULT.

Limitation of liability

YOU UNDERSTAND AND AGREE THAT WE, OUR SUBSIDIARIES, AFFILIATES, AND LICENSORS WILL NOT BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES WHICH YOU MAY INCUR IN CONNECTION WITH THE SMART CONTRACTS, THE SITE, THE APP OR THE SERVICES, HOWSOEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, INCLUDING WITHOUT LIMITATION ANY LOSS OF PROFITS, WHETHER INCURRED DIRECTLY OR INDIRECTLY, LOSS OF GOODWILL OR BUSINESS REPUTATION, LOSS OF DATA, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR ANY OTHER INTANGIBLE LOSS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

YOU AGREE THAT OUR TOTAL, AGGREGATE LIABILITY TO YOU, AS A SINGLE USER OR CLAIMANT, FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, ANY PORTION OF THE SMART CONTRACTS, THE SITE, THE APP OR THE SERVICES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, IS LIMITED TO THE LOWER OF (A) THE AMOUNTS YOU ACTUALLY PAID US UNDER THESE TERMS IN THE 12 MONTH PERIOD PRECEDING THE DATE THE CLAIM AROSE, OR (B) US$200.

NOTWITHSTANDING THE FOREGOING, AND TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL, AGGREGATE LIABILITY OF THE COMPANY, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND REPRESENTATIVES TO ALL USERS, CLAIMANTS AND THIRD PARTIES COLLECTIVELY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SAME SECURITY INCIDENT OR SERIES OF RELATED SECURITY INCIDENTS SHALL NOT EXCEED US$50,000 IN THE AGGREGATE.

FOR PURPOSES OF THIS SECTION, "SECURITY INCIDENT" INCLUDES ANY EXPLOIT, HACK, SMART CONTRACT VULNERABILITY, BUG, ECONOMIC ATTACK, ORACLE FAILURE, BRIDGE FAILURE, NEAR INTENTS FAILURE, SOLVER OR RELAYER FAILURE, ACCOUNT ABSTRACTION FAILURE, UNAUTHORISED ACCESS, OR OTHER SECURITY-RELATED EVENT AFFECTING THE APP, THE SMART CONTRACTS, THE SERVICES OR RELATED THIRD-PARTY INFRASTRUCTURE.

IF VALID CLAIMS ARISING FROM THE SAME SECURITY INCIDENT OR SERIES OF RELATED SECURITY INCIDENTS EXCEED US$50,000, ANY AMOUNTS PAYABLE SHALL BE ALLOCATED PRO RATA AMONG ELIGIBLE CLAIMANTS, UNLESS OTHERWISE REQUIRED BY APPLICABLE LAW. THIS AGGREGATE CAP SHALL NOT BE INCREASED BY THE NUMBER OF USERS, WALLETS, ACCOUNTS, TRANSACTIONS, CHAINS, ASSETS, POSITIONS, CLAIMS, CLAIMANTS, LEGAL THEORIES, OR PROCEEDINGS INVOLVED.

YOU ACKNOWLEDGE AND AGREE THAT WE HAVE MADE THE SMART CONTRACTS, THE SITE, THE APP AND THE SERVICES AVAILABLE TO YOU AND ENTERED INTO THESE TERMS IN RELIANCE UPON THE WARRANTY DISCLAIMERS AND LIMITATIONS OF LIABILITY SET FORTH HEREIN, WHICH REFLECT A REASONABLE AND FAIR ALLOCATION OF RISK BETWEEN THE PARTIES AND FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN US. WE WOULD NOT BE ABLE TO PROVIDE THE APP TO YOU WITHOUT THESE LIMITATIONS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, AND SOME JURISDICTIONS ALSO LIMIT DISCLAIMERS OR LIMITATIONS OF LIABILITY FOR PERSONAL INJURY FROM CONSUMER PRODUCTS, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO PERSONAL INJURY CLAIMS.

Indemnity

You agree to defend, hold harmless and indemnify the Company and its subsidiaries, affiliates, shareholders, members, directors, officers, agents, employees, contractors, contributors, advertisers, licensors, suppliers, service providers or partners from and against any and all claims, demands, liabilities, losses, damages, suits, actions, proceedings, investigations, judgments, settlements, fines, penalties, taxes, costs, expenses and attorneys' fees arising out of or in any way related to (a) your breach of these Terms, (b) your access to, use or misuse of the Smart Contracts, the Site, the App or the Services, (c) your violation of any applicable law, regulation, sanctions regime, tax obligation or third-party right, (d) any content, input, prompt, query, feedback or UGC you submit, (e) your interactions with any External Site or Third-Party Content, (f) any dispute between you and another user or third party, or (g) your use, creation, control, funding, bridging, liquidation, repayment, margining, signing, permissioning, or failure to control any wallet, account, Multichain Account Contract, CrossChainLending position, CrossChainPerp position, LST position, LSD token position, token position, Token Program participation, or other protocol position. The Company may assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which case you will cooperate with the Company. You will not settle any claim affecting the Company or any indemnified party without the Company's prior written consent.

Privacy policy

Our Privacy Policy, as made available on or through the Site, describes the ways the Company collects, uses, stores and discloses your personal information, and is hereby incorporated by this reference into these Terms. You agree to the collection, use, storage, and disclosure of your data in accordance with the aforementioned Privacy Policy.

The Company will maintain certain data that you transmit to the Site and the App for the purpose of managing the performance of the Site and the App, as well as data relating to your use of the Site or the App. Although we may perform routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site or the App. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

Consent to Electronic Disclosures and Signatures

Because the Company operates primarily on the Internet, it is necessary for you to consent to transact business with us online and electronically. As part of doing business with us, therefore, we also need you to consent to our providing you certain disclosures electronically via the Site. By agreeing to these Terms, you agree to receive electronically all documents, communications, notices, contracts, and agreements arising from or relating to your use of the Site and Services.

By accepting these Terms or contacting us in any manner, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes, in any way, including SMS messages, calls using pre-recorded messages or artificial voice, and calls and messages delivered using an automatic telephone dialling system or an automatic texting system. Notwithstanding the aforementioned, any form of communication from the Company will be provided to you electronically through the Site or, if applicable, via email to the email address provided. If you require paper copies of any agreements or disclosures, you may print such documents desired.

Your consent to receive disclosures and transact business electronically, and our agreement to do so, applies to any transactions to which such disclosures relate, whether between you and the Company or a third party by and through the Services. Your consent will remain in effect for so long as you are a user and, if you are no longer a user, will continue until such time as all disclosures relevant to Services received through the Site have been made.

You may withdraw your consent to receive agreements or disclosures electronically by contacting us through the contact details made available on the Site. However, once you have withdrawn your consent you will not be able to access the Services or the Site.

Governing law and dispute resolution

These Terms will be governed by and construed in accordance with the laws of the British Virgin Islands, without regard to conflict of law rules and principles, whether of the British Virgin Islands or any other jurisdiction, that would cause the application of the laws of any other jurisdiction.

Before commencing any proceeding, you and the Company will attempt to resolve any dispute informally for at least sixty (60) days following written notice describing the dispute, the relief sought and a contact address. Notice to the Company must be sent to [e-mail], with a copy to Ref Labs Ltd., Craigmur Chambers, Road Town, Tortola, VG 1110, British Virgin Islands. The applicable limitation period is tolled during the informal negotiation period.

All disputes, controversies or claims arising out of or in connection with these Terms, including without limitation the enforceability of this dispute resolution section or any question regarding its existence, validity or termination, your access or use of the App, the Site, the Smart Contracts or the Services, shall be referred to and finally resolved by binding arbitration administered by the BVI International Arbitration Centre under the Arbitration Act, 2013 (BVI) and the BVI IAC Arbitration Rules for the time being in force, which rules are deemed to be incorporated by reference in this section. The seat and place of arbitration shall be Road Town, Tortola, British Virgin Islands, unless the parties agree otherwise. The number of arbitrators shall be one. The language to be used in the arbitral proceedings shall be English. The award of the arbitrator will be final and binding, and any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Each party will cover its own fees and costs associated with the arbitration proceedings, unless the arbitrator determines otherwise under applicable rules. The arbitrator may award only individualised relief.

YOU AND THE COMPANY EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, REPRESENTATIVE ACTION, MASS ARBITRATION, PRIVATE-ATTORNEY-GENERAL ACTION, OR CONSOLIDATED PROCEEDING. DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS. If a court of competent jurisdiction determines that this class-action waiver is unenforceable as to any claim, that claim may proceed in court while all other claims remain in arbitration to the fullest extent permitted by applicable law.

If twenty-five (25) or more substantially similar arbitration demands are filed against the Company by or with the assistance of the same or coordinated counsel within a sixty (60)-day period, the parties will follow the mass-arbitration procedures of the administering arbitral institution, if any. Any bellwether result binds only the parties to that arbitration unless all affected parties expressly agree otherwise in writing. The limitation period for each demand is tolled while mass-filing coordination is in effect.

Notwithstanding the foregoing, either party may bring a claim in small-claims court if eligible, seek injunctive or other equitable relief in any court of competent jurisdiction to protect intellectual property rights, confidential information or to restrain a violation of these Terms, or enforce an arbitral award. The Company may seek and obtain injunctive relief in any jurisdiction in any court of competent jurisdiction, and you agree that these Terms are specifically enforceable by the Company through injunctive relief and other equitable remedies without proof of monetary damages.

ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS, THE APP, THE SMART CONTRACTS, THE SITE OR THE SERVICES MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OR IT IS PERMANENTLY BARRED, EXCEPT WHERE A LONGER PERIOD IS REQUIRED BY MANDATORY APPLICABLE LAW.

Notices

Notices to you may be given by posting in the Site or App, by email if you have provided an email address, by on-chain message, or by any other electronic method reasonably associated with the Services. To give us notice under these Terms, the user must contact the Company at [e-mail], with a copy to Ref Labs Ltd., Craigmur Chambers, Road Town, Tortola, VG 1110, British Virgin Islands, or through any updated contact details made available on the Site.

Entire Agreement

These Terms constitute the entire legal agreement between you and the Company, govern your access to and use of the Smart Contracts, the Site, the App or the Services, and completely replace any prior or contemporaneous agreements between the parties related to your access to or use of the Smart Contracts, the Site, the App or the Services, whether oral or written.

Force Majeure

The Company shall not be liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond its reasonable control, including but not limited to significant market volatility, any delay or failure due to any act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labour dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, blockchain network failure, bridge failure, oracle failure, NEAR Intents failure, solver or relayer failure, account abstraction failure, validator failure, other catastrophe or any other occurrence which is beyond its reasonable control, and shall not affect the validity and enforceability of any remaining provisions.

Third party rights

There are no third party beneficiaries to these Terms, except that the Company's subsidiaries, affiliates, shareholders, members, directors, officers, agents, employees, contractors, contributors, advertisers, licensors, suppliers, service providers and partners may directly enforce the provisions of these Terms relating to disclaimers, limitation of liability, indemnity, release, intellectual property and any other provision that expressly benefits them. Except as set forth in the preceding sentence, a person who is not a party under these Terms has no right under any applicable law to enforce or to enjoy the benefit of these Terms.

No agency or partnership

Nothing in these Terms create any agency, partnership, joint venture or any similar relationship between the Company and you, nor cause the Company and you to be deemed acting in concert in any respect.

Interpretation

The language in these Terms will be interpreted as to its fair meaning, and not strictly for or against any party.

Assignment

You may not assign any of your rights or obligations under these Terms, whether by operation of law or otherwise, without our prior written consent. Notwithstanding anything contained herein, we may assign our rights and obligations under these Terms in our sole discretion, without your consent, to an affiliate for any reason, including without limitation any assignment or novation in connection with a reincorporation to change the Company's domicile.

Illegality

Should any provision or part-provision of these Terms be or become invalid, illegal or unenforceable in any respect under any law of any jurisdiction, it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable; if such modification is not possible, the relevant provision or part-provision shall be deemed deleted. Any modification to or deletion of a provision or part-provision pursuant to this section shall not affect or impair the validity and enforceability of the rest of these Terms, nor the validity and enforceability of such provision or part-provision under the law of any other jurisdiction.

Waiver

Our failure to enforce any provision of these Terms will not be deemed a waiver of such provision, nor of the right to enforce such provision.

Severability

If any provision of these Terms shall be determined to be invalid or unenforceable under any rule, law, or regulation of any local, state, or federal government agency, such provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible under any applicable law and the validity or enforceability of any other provision of these Terms shall not be affected. If such construction is not possible, the invalid or unenforceable portion will be severed from these Terms but the rest of these Terms will remain in full force and effect.

Export Controls

You will comply with all applicable export-control, sanctions, re-export, import and similar laws of the United States, the United Kingdom, the European Union, the British Virgin Islands and any other applicable jurisdiction. You will not export, re-export, transfer, make available or use the Services, any encryption functionality embedded in the Services, any AI feature, any software output, any documentation or any related technology for any prohibited end use, end user or destination, including weapons of mass destruction, military intelligence end use, designated entities, sanctions targets or any other restricted person or restricted destination.

Survival

The provisions of these Terms relating to intellectual property, user terms, risks, external sites and Third-Party Content, disclaimers, limitation of liability, indemnity, privacy, electronic disclosures, governing law and dispute resolution, assignment, severability, export controls, survival, and any other provision that by its terms survives termination shall survive termination of your use of or access to the Site, the App, the Smart Contracts or the Services.

English language

Notwithstanding any other provision of these Terms, any translation of these Terms is provided for your convenience. The meanings of terms, conditions, and representations herein are subject to their definitions and interpretations in the English language. In the event of conflict or ambiguity between the English language version and translated versions of these terms, the English language version shall prevail. You acknowledge that you have read and understood the English language version of these Terms.