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Terms of Use

Last updated: January 11, 2026

1. Acceptance of Terms

By accessing or using the Vaultapay interface ("Interface"), you agree to be bound by these Terms of Use. If you do not agree to these terms, do not use the Interface.

2. Description of Service

Vaultapay is a web-based interface that provides access to the Vaulta Protocol, a decentralized, non-custodial shadow banking protocol deployed on blockchain networks. The Interface is provided by Vaulta Labs, Inc. ("Vaulta Labs", "we", "us", or "our").

Important: Vaulta Protocol is not a bank, financial institution, or money services business. We do not custody, hold, or control your assets at any time.

3. Non-Custodial Nature

The Vaulta Protocol operates on a non-custodial basis. This means:

  • You retain full ownership and control of your digital assets
  • Assets remain in your user-owned smart vault at all times
  • We never have access to your private keys or seed phrases
  • You are solely responsible for the security of your wallet and assets

4. Risks and Disclaimers

Use of the Vaulta Protocol involves significant risks, including but not limited to:

  • Smart Contract Risk: The protocol relies on smart contracts which may contain bugs or vulnerabilities
  • Market Risk: Cryptocurrency values are highly volatile and may result in total loss
  • Regulatory Risk: Regulatory frameworks for DeFi are evolving and uncertain
  • Technology Risk: Blockchain networks may experience downtime, congestion, or failures
  • Irreversible Transactions: Blockchain transactions cannot be reversed once confirmed

You acknowledge and accept these risks. Never invest more than you can afford to lose.

5. No Investment Advice

Nothing on this Interface constitutes investment, financial, legal, or tax advice. We do not recommend or endorse any particular investment strategy. You should consult with qualified professionals before making any financial decisions.

6. Eligibility and Restrictions

By using the Interface, you represent and warrant that:

  • You are at least 18 years old
  • You are not located in a jurisdiction where use of the Interface is prohibited
  • You are not subject to economic sanctions or on any prohibited persons list
  • Your use complies with all applicable laws and regulations

7. Intellectual Property

The Interface and its content are protected by intellectual property laws. The Vaulta Protocol smart contracts are open source and available under the applicable license. The Interface design, branding, and documentation remain the property of Vaulta Labs.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • THE INTERFACE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND
  • WE ARE NOT LIABLE FOR ANY LOSS OF FUNDS, DATA, OR PROFITS
  • WE ARE NOT LIABLE FOR SMART CONTRACT FAILURES OR EXPLOITS
  • OUR TOTAL LIABILITY SHALL NOT EXCEED $100 USD

9. Indemnification

You agree to indemnify and hold harmless Vaulta Labs and its affiliates from any claims, damages, or expenses arising from your use of the Interface or violation of these Terms.

10. Modifications

We reserve the right to modify these Terms at any time. Continued use of the Interface after changes constitutes acceptance of the modified Terms.

11. Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

12. Contact

For questions about these Terms, please contact us at: legal@vaultapay.app