Terms of Service

1. Agreement

These Terms of Service (“Terms”) govern access to and use of the websites, applications, APIs, and related interfaces offered by or on behalf of Mandate Finance (the “Service”). By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

2. Eligibility

You represent that you are lawfully able to enter into contracts and that your use of the Service complies with applicable laws in your jurisdiction, including sanctions, securities, and anti-money-laundering rules. We may refuse or discontinue access where required by law or where we reasonably believe use would be unlawful or harmful.

3. The Service

Mandate Finance provides software tools and interfaces that may include artificial intelligence (“AI”) features to help you analyze, configure, or interact with third-party DeFi protocols, smart contracts, and blockchain networks. The Service may allow you to connect a self-custody wallet, view information, and initiate or simulate transactions.

We do not operate the underlying blockchains, smart contracts, liquidity pools, bridges, oracles, validators, or third-party protocols. Those systems are independent, permissionless, and subject to their own rules and risks.

4. Non-custodial; your vaults and assets

The Service is non-custodial. We do not take possession of, custody, or control your digital assets. Assets you deploy in vaults, strategies, or smart contracts remain subject to on-chain rules and your wallet permissions. Vault positions and related contracts are yours—not ours. Title, risk of loss, and control of keys and assets remain with you at all times, except as technically required by the protocols you choose to use.

5. AI tools; no advice; your decisions

AI-generated outputs (including suggestions, summaries, parameters, or automation proposals) are provided for convenience and informational purposes only. They are not investment, legal, or tax advice. We do not recommend any strategy, protocol, or transaction. You alone decide whether to follow, ignore, or override any AI output. You are solely responsible for evaluating risks, verifying information on-chain, and for every transaction you sign or authorize.

AI systems can be wrong, incomplete, outdated, or misaligned with your goals. You must not rely on the Service as the sole basis for any financial decision.

6. Risks

You acknowledge that interacting with DeFi and digital assets involves substantial risks, including but not limited to:

• Total loss of funds from smart contract bugs, exploits, or admin actions;
• Liquidation, de-pegging, oracle manipulation, MEV, and adverse market moves;
• Network congestion, chain reorganizations, bridge failures, and third-party downtime;
• Regulatory change, tax obligations, and loss of access to wallets or seed phrases;
• Errors or attacks affecting AI systems, frontends, RPC providers, or indexers.

Past or simulated performance does not guarantee future results.

7. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION OR THAT DEFECTS WILL BE CORRECTED.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL KAIROS, ITS AFFILIATES, DIRECTORS, EMPLOYEES, CONTRACTORS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE OR ANY ON-CHAIN ACTIVITY.

WE ARE NOT RESPONSIBLE FOR LOST FUNDS, FAILED TRANSACTIONS, INCORRECT AI OUTPUTS, OR OUTCOMES OF SMART CONTRACTS OR THIRD-PARTY PROTOCOLS YOU INTERACT WITH. YOUR USE OF THE SERVICE AND OF BLOCKCHAIN NETWORKS IS AT YOUR SOLE RISK.

Where liability cannot be excluded, our aggregate liability arising out of these Terms shall not exceed the greater of (a) one hundred euros (EUR 100) or (b) the fees you paid to us specifically for the Service in the twelve (12) months preceding the claim—if any such fees exist. Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted by law.

9. Indemnity

You agree to defend, indemnify, and hold harmless Mandate Finance and its affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising from your use of the Service, your violation of these Terms, or your on-chain activity.

10. Third-party services

The Service may integrate authentication (e.g. Privy), wallet connectors, RPC endpoints, data providers, and links to third-party sites. Those services are governed by their own terms and privacy policies. We are not responsible for third-party acts or omissions.

11. Intellectual property

We retain rights in the Service branding, software, and content we provide, subject to open-source licenses where applicable. You receive a limited, revocable, non-exclusive license to use the Service as offered. You may not reverse engineer, scrape, or misuse the Service in ways that harm us or other users.

12. Suspension and termination

We may suspend or terminate access to the Service at any time, with or without notice, for legal, security, or operational reasons. Provisions that by their nature should survive (including disclaimers, limitations, and indemnities) will survive termination.

13. Changes

We may modify these Terms by posting an updated version with a new “Last updated” date. Continued use after changes constitutes acceptance. Material changes may require additional notice where required by law.

14. Governing law and disputes

Unless mandatory consumer protection laws of your country provide otherwise, these Terms are governed by the laws of the jurisdiction where the legal entity operating Mandate Finance is established, without regard to conflict-of-law principles. Courts in that jurisdiction (or another forum we specify in writing) shall have exclusive jurisdiction, except where prohibited by applicable law.

Placeholder: Insert the Operator’s legal name, registered address, and chosen governing law and venue after review with counsel.

15. Contact

For questions about these Terms: legal@kairos.fi