Terms of Service

A technology service

YieldFabric is a technology and software service. It is not a bank, money services business, money transmitter, payment or e-money institution, broker, dealer, exchange, custodian, fund, or investment, financial, or legal adviser. It does not provide financial rails, hold or transmit funds, give advice, or carry on any regulated financial activity. We provide software tools — identity and signing, AI agents that help you structure agreements, and interfaces to blockchain networks — that you operate yourself. Deals are between you and your counterparties; we are not a party to, adviser on, broker for, agent of, or guarantor of any of them.

You act for yourself

Everything you do through the Services, you do yourself — as principal, on your own initiative, and at your own risk. This includes using AI agents and automation to help you carry out on-chain and stablecoin-related activities. The technology executes only the instructions you direct and authorise — you confirm and sign each action.

YieldFabric does not act on your behalf. We are not your agent, fiduciary, or custodian; we do not exercise discretion over your funds, assets, or decisions; and we do not perform any transaction for you. You are the one transacting — the software is simply a tool you use to do it yourself.

You are solely responsible for determining whether your activities are lawful and permitted where you are, for obtaining any licences or registrations they may require, and for complying with all applicable laws (including sanctions, AML, securities, and tax laws). We make no representation that the Services, or your use of them, are appropriate or lawful in your location.

Eligibility & accounts

You must be at least 18 and able to form a binding contract. To use certain features you must create an account and complete verification, including KYC/AML checks where required. You agree to provide accurate information and keep it current.

You are responsible for safeguarding your credentials, API keys, and any wallet or signing keys you control, and for all activity under your account. Tell us immediately at security@yieldfabric.com if you suspect unauthorised access. Lost keys may mean permanent loss of access to on-chain assets — we cannot recover them.

By using the Services you represent and warrant that you: are at least 18; are not located in, resident in, or a national of any country subject to comprehensive sanctions or embargo, and are not on any sanctions or denied-party list; are not otherwise prohibited from using the Services under applicable law (including export-control laws); and are not using them on behalf of any such person. You will keep these representations accurate for as long as you use the Services.

Acceptable use

You agree not to:

• Break any applicable law, regulation, or sanctions regime.
• Launder money, finance terrorism, evade sanctions, or facilitate other unlawful activity.
• Manipulate markets, or use the Services for unlicensed securities, derivatives, or other regulated activity.
• Use AI output or the Services to provide regulated financial, legal, or tax services to others.
• Engage in fraud, or in unauthorised or deceptive transactions.
• Infringe others' rights or misrepresent your identity or authority.
• Interfere with, disrupt, or overload the Services, or attempt to gain unauthorised access to systems, data, or other accounts.
• Reverse-engineer or scrape the Services except as the law expressly permits.

Deals & on-chain settlement

When you and a counterparty agree, the signed agreement may execute on a blockchain. You initiate, authorise, and sign each transaction; the Services execute only what you sign, never on a discretionary basis. On-chain transactions are generally final and irreversible — once settled they cannot be undone, reversed, or charged back by us. You bear all counterparty risk: we do not verify, vouch for, or guarantee the identity, authority, conduct, solvency, or performance of any counterparty, and are not responsible if a counterparty defaults or fails to perform. You are responsible for reviewing every deal's terms before you sign, and for any taxes arising from your activity.

No advice or regulated activity

The Services, and any content, AI output, comps, templates, or suggestions within them, are provided for information and tooling only. They are not financial, investment, legal, accounting, or tax advice, and are not a recommendation or solicitation to enter any transaction. We do not provide any regulated financial service.

AI output can be inaccurate, incomplete, or wrong, and may be produced from limited context. Treat it as a starting point, not a fact or a decision; you are responsible for independently verifying anything you act on, and you do not rely on us or on any AI output in deciding whether to enter a deal. You are solely responsible for your decisions and should obtain your own professional advice.

Risk disclosure

Digital assets and on-chain activity carry significant risk. By using the Services you acknowledge, among others:

• Digital asset values can be volatile and you may lose value.
• Smart contracts and blockchains can contain bugs, fail, fork, or be exploited.
• The regulatory treatment of digital assets is evolving and uncertain.
• Transactions are typically irreversible; mistakes may be unrecoverable.
• Loss of keys means loss of access; assets are not insured or guaranteed by any government scheme.

Assumption of risk & release

You knowingly and voluntarily assume all risks of using the Services and of any on-chain or digital-asset activity you carry out through them, including the risks described above.

To the fullest extent permitted by law, you release YieldFabric and its officers, employees, and contractors from any claims, demands, and damages arising out of or related to: your own decisions and transactions; the acts or omissions of your counterparties; loss of or unauthorised access to your keys, credentials, or assets; price or market movements; and the failure, exploitation, fork, congestion, or unavailability of any blockchain, smart contract, wallet, or third-party service.

Fees

Some features may carry fees, plus network (gas) and third-party charges, which we'll disclose before you incur them. [Fee schedule / pricing to be defined.] You authorise us and our payment providers to charge the fees that apply to your use.

Your content

You retain ownership of the knowledge and content you create. You grant us a limited licence to host, process, and display it solely to operate and improve the Services for you. You represent that you have the rights to the content you submit and that it doesn't violate any law or third-party right. See the Privacy Policy for how we handle it.

Our intellectual property

The Services, including software, designs, text, and trademarks, are owned by YieldFabric or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Services per these Terms. Nothing here transfers our intellectual property to you.

Third-party services

The Services interoperate with third parties — wallets, identity providers, payment processors, and blockchain networks. We don't control and aren't responsible for third-party services, and your use of them may be governed by their own terms.

Disclaimers

The Services are provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, title, accuracy, and non-infringement. We don't warrant that the Services (or any AI output) will be uninterrupted, error-free, accurate, or secure, to the maximum extent permitted by law. Some jurisdictions don't allow certain disclaimers, so some may not apply to you.

Limitation of liability

To the maximum extent permitted by law, YieldFabric and its officers, employees, and contractors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or digital assets, however caused and on any theory of liability.

In particular, and without limiting the disclaimer and assumption of risk above, we are not liable for losses arising from: blockchain or network failures, forks, congestion, or gas costs; smart-contract bugs or exploits; loss or theft of your keys, credentials, or assets; the acts, defaults, or insolvency of counterparties or third-party services; price or market movements; or your reliance on AI output.

Our total aggregate liability for all claims relating to the Services is limited to [the greater of the total fees you paid us in the 12 months before the event giving rise to the claim, or AUD 100]. Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law — including non-excludable consumer guarantees, and liability for fraud or for death or personal injury caused by negligence.

Indemnification

You agree to indemnify, defend, and hold harmless YieldFabric and its officers, employees, and contractors from any claims, losses, liabilities, and expenses (including reasonable legal fees) arising from your use of the Services, your deals, your content, your violation of law, or your breach of these Terms. We may assume the exclusive defence and control of any matter subject to indemnification, and you will cooperate. This obligation survives termination.

Suspension & termination

You may stop using the Services at any time. We may suspend or terminate your access if you breach these Terms, to comply with law, or to protect users or the Services. We may also change, suspend, or discontinue the Services or any feature at any time, with or without notice, without liability to you. Provisions that by their nature should survive termination — for example, disclaimers, limitation of liability, assumption of risk and release, indemnity, and governing law — will survive.

Governing law, disputes & class waiver

These Terms are governed by [governing law — e.g. the laws of New South Wales, Australia], without regard to conflict-of-laws rules.

Informal resolution first. Before starting any formal proceeding, you agree to contact us at legal@yieldfabric.com and try in good faith to resolve the dispute for at least 30 days.

Binding individual arbitration. To the fullest extent permitted by law, any dispute not resolved informally will be settled by final and binding arbitration on an individual basis, administered by [arbitration body / rules] seated in [seat], rather than in court — except that either party may bring an individual claim in small-claims court, and either party may seek injunctive relief for intellectual-property or unauthorised-access matters.

Class-action & jury-trial waiver. To the fullest extent permitted by law, claims may be brought only in your individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding; and each party waives any right to a jury trial.

Time limit. Any claim relating to the Services must be commenced within one year after the claim arises, or it is permanently barred.

These provisions apply only to the extent the law that applies to you permits. Where your local law gives you non-waivable rights (for example, certain consumer protections), those rights are not affected.

Changes to these terms

We may update these Terms as the Services and the law evolve. We'll update the "Last updated" date and, for material changes, give notice through the Services or by email. Continued use after an update means you accept the revised Terms.

General

These Terms and the Privacy Policy are the entire agreement between us about the Services and supersede any prior understanding. If any provision is held unenforceable, it will be modified to the minimum extent necessary, or severed, and the rest remains in full effect. Our failure to enforce a right is not a waiver. You may not assign these Terms without our consent; we may assign them, including in a merger, acquisition, financing, or sale of assets. Nothing here creates a partnership, joint venture, agency, or employment relationship. Neither party is liable for delays or failures caused by events beyond its reasonable control, including blockchain or third-party failures and changes in law or regulatory action.

You consent to receive these Terms, notices, and other communications electronically. If you send us feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free licence to use them without restriction or obligation to you.

Contact

Questions about these Terms? Email legal@yieldfabric.com.