Terms of Service

1. Acceptance of these Terms

These Terms of Service ("Terms") govern your access to and use of the Fintech Secure Vault website, application, and related services (together, the "Services") operated by Fintech Secure Vault ("we", "our", "us"). By creating an account, connecting a wallet, depositing assets, or otherwise using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding agreement under the laws of your jurisdiction. You must not be located in, or a resident of, any country or region subject to comprehensive sanctions or where access to digital-asset services is prohibited. You are responsible for confirming that your use of the Services is legal where you live.

3. Account registration and security

You agree to provide accurate, current, and complete information when you register and to keep that information up to date. You are responsible for safeguarding your password, withdrawal PIN, and any one-time codes we send you. Any activity that occurs under your account is your responsibility. Notify us immediately at support@fintechsecurevault.com if you suspect unauthorised access.

4. Description of the Services

Fintech Secure Vault offers tools that let you deposit supported crypto assets, leverage them into Automated Market Maker liquidity pools, swap between supported assets, and withdraw to addresses you control. We are not a bank, broker-dealer, exchange, or registered investment adviser. The Services are provided on an "as is" and "as available" basis.

5. Crypto risk disclosure

Crypto assets are volatile. Their value can rise or fall sharply within minutes and you may lose part or all of your deposit. Smart contracts can contain bugs. Networks can fork or halt. Liquidity pools can experience impermanent loss. By using the Services you acknowledge these risks and accept that you may lose money. Never deposit assets you cannot afford to lose.

6. Yield, leverage, and lock periods

"Leverage" on this platform refers to allocating your assets to AMM liquidity. Yield is variable and depends on swap volume, pool composition, and overall market conditions. The advertised APY is an estimate based on recent performance and is not a guarantee. Each plan has a lock period during which the principal cannot be withdrawn. You can review and accept the lock period before opening a position.

7. Deposits and withdrawals

Deposits credit to your available balance after the platform confirms the on-chain transaction. Withdrawals require a one-time code from a registered authenticator app (Google Authenticator, 1Password, Authy, or any TOTP-compatible app) by default. You can disable that requirement from your profile, but we strongly recommend keeping it on. Network fees are passed through to you and are deducted from the withdrawal amount. We may pause withdrawals briefly for maintenance, regulatory review, or to protect against fraud.

8. Fees

Current fees, including the swap fee, network fees, and any plan-specific charges, are displayed in the relevant flow before you confirm an action. We may update our fees from time to time. Any change to fees will be communicated in advance and will take effect for new actions only.

9. Prohibited activities

You agree not to use the Services to:

• Violate any applicable law or regulation, including anti-money-laundering, counter-terrorist-financing, or sanctions rules.
• Use another person's identity, payment method, or wallet without authorisation.
• Attempt to disrupt, attack, reverse engineer, or interfere with the Services or any user's account.
• Engage in market manipulation, wash trading, or any deceptive practice.
• Use the Services for gambling, illegal goods or services, or any high-risk activity prohibited by our payment partners.

10. KYC and compliance

We may require you to complete identity verification before you can deposit, leverage, swap, or withdraw, and we may request additional information at any time to comply with our regulatory obligations. We may suspend or terminate accounts that fail or refuse verification.

11. Intellectual property

The Services, including all content, code, logos, and design, are owned by Fintech Secure Vault and our licensors and are protected by copyright, trademark, and other laws. You receive a limited, non-exclusive, non-transferable, revocable licence to use the Services for personal, lawful purposes. You may not copy, modify, distribute, or create derivative works without our written permission.

12. Suspension and termination

We may suspend or terminate your access to the Services at any time, with or without notice, if we reasonably suspect a breach of these Terms, fraud, illegal activity, or risk to other users. On termination, we will return any assets owed to you to a withdrawal address you control, subject to applicable lock periods and law.

13. Disclaimers

To the maximum extent permitted by law, the Services are provided without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, non-infringement, or uninterrupted availability. We do not provide investment, legal, tax, or accounting advice.

14. Limitation of liability

To the maximum extent permitted by law, Fintech Secure Vault, our directors, officers, employees, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or assets arising from your use of the Services. Our aggregate liability to you for any claim related to the Services will not exceed the greater of (a) the fees you paid us in the twelve months before the event giving rise to the claim, or (b) USD 100.

15. Indemnification

You agree to indemnify and hold Fintech Secure Vault harmless from any claim, loss, or expense (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Services, or your violation of any law or third-party right.

16. Governing law and disputes

These Terms are governed by the laws of the jurisdiction in which Fintech Secure Vault is incorporated, without regard to conflict-of-laws principles. Any dispute arising out of these Terms will be resolved by binding arbitration on an individual basis. You waive your right to a jury trial and to participate in a class action, except where prohibited by law.

17. Changes to these Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent version. Material changes will be notified by email or by an in-app notice at least seven days before they take effect. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms.

18. Contact

Questions about these Terms can be sent to support@fintechsecurevault.com.