Legal & Policies
Terms of Service
DRAFT — for attorney review. Not legal advice.Effective date: [EFFECTIVE DATE] · Version: 0.1-draft
These Terms of Service ("Terms") govern your access to and use of the website, application, and software interface (together, the "Interface") provided by [LEGAL ENTITY NAME] ("we," "us," "our") that lets you interact with the YieldVault / Guardian non-custodial protocol (the "Protocol") on the Solana blockchain.
By connecting a wallet to, or otherwise using, the Interface, you agree to these Terms and to the Risk Disclaimer, Privacy Policy, and Cookie Policy. If you do not agree, do not use the Interface.
1. What the Interface is (and is not)
1.1 Non-custodial software. The Interface is a front end that helps you construct transactions that you sign with your own self-custody wallet. We never take custody or control of your crypto assets, your private keys, or your seed phrase, and we cannot move, freeze, or access your funds. Every on-chain action requires your own signature.
1.2 We are not a financial intermediary. We are not a bank, broker-dealer, exchange, money transmitter, investment adviser, or custodian. We do not offer accounts, deposits, or insured products. Nothing on the Interface is a recommendation to buy, sell, or hold any asset.
1.3 Pre-mainnet / MODELED status. Until the Protocol is deployed and marked LIVE on mainnet, all figures, yields, NAV, floors, reserves, and returns shown on the Interface are MODELED simulations for illustration only — they are not live results, offers, or promises of future performance, and no real funds are at risk in the modeled experience. Additional or amended terms may apply at mainnet launch.
2. Eligibility
2.1 You must be at least 18 years old and legally able to enter into these Terms.
2.2 You may not use the Interface if you are located in, or are a resident or citizen of, any jurisdiction where use of the Interface or the Protocol is unlawful, or any jurisdiction we exclude ([PROHIBITED JURISDICTIONS] — attorney to confirm, including any restriction on U.S. persons). You are responsible for determining whether your use is lawful where you are.
2.3 You are not on any sanctions list and will not use the Interface on behalf of any sanctioned person or entity.
3. Your responsibilities
3.1 Wallet security is yours alone. You are solely responsible for safeguarding your wallet, private keys, and seed phrase. If you lose them, we cannot recover them and your assets may be permanently lost. We will never ask you for your seed phrase or private keys — anyone who does is attempting to defraud you.
3.2 You review and confirm every transaction. The Interface shows you what a transaction is intended to do before you sign it ("explain-before-execute"). You are responsible for reviewing that information and for the transactions you choose to sign. Blockchain transactions are generally irreversible.
3.3 Taxes and compliance. You are responsible for determining and paying any taxes that apply to your activity and for complying with all laws that apply to you.
3.4 Prohibited uses. You will not use the Interface to violate any law; to launder money or finance terrorism; to infringe others' rights; to interfere with, attack, or reverse-engineer the Interface for malicious purposes; to introduce malware; or to misrepresent your identity or circumvent the eligibility limits in Section 2.
4. Fees
4.1 The Protocol's fees are disclosed in the Interface and, at a high level, are: a flat swap/rotation fee of 0.15% on a swap; and a performance fee of 10% of realized profit above your high-water mark, taken only at a sale. The Protocol is designed never to charge or seize your principal, and holding is free. Network (gas) fees and third-party fees are separate and are not set by us. Fee terms may change; changes will be disclosed in the Interface.
5. Third-party services
The Interface relies on third parties we do not control, including your wallet provider, blockchain networks and RPC providers, price oracles, liquidity venues, stablecoin and tokenized-asset issuers, and (only if you enable it) AI providers. We are not responsible for third-party acts, outages, or failures. Your use of a third-party service is governed by that party's terms.
6. No advice; do your own research
Nothing on the Interface is investment, financial, legal, tax, or other professional advice. You should consult your own advisers. See the Risk Disclaimer for the risks of using the Protocol.
7. Intellectual property
We and our licensors own the Interface, its content, and marks. On-chain Protocol code may be open and separately licensed. These Terms do not grant you rights in our marks. You may use the Interface only as permitted here.
8. Disclaimers of warranty
THE INTERFACE AND THE PROTOCOL ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, including merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Interface will be uninterrupted, error-free, secure, or free of harmful components, or that any modeled or projected result will be achieved. As of the effective date, the smart contracts have undergone internal review and testing only; no third-party security audit has been completed. Software this novel can contain undiscovered vulnerabilities.
9. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, ASSETS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO your use of the Interface or the Protocol, smart-contract failures, third-party acts, market movements, or your loss of keys — even if we were advised of the possibility. [Attorney to set an aggregate liability cap and any jurisdiction-required carve-outs.]
10. Indemnification
You will indemnify and hold us harmless from claims and costs arising out of your use of the Interface, your breach of these Terms, or your violation of law or the rights of others.
11. Changes; suspension
We may modify the Interface or these Terms at any time. Material changes will be posted with an updated effective date and, where the change is significant, re-prompted for your acceptance. We may suspend or restrict the Interface at any time. Your continued use after a change means you accept it.
12. Governing law; disputes
These Terms are governed by the laws of [JURISDICTION / GOVERNING LAW]. [Attorney to add dispute-resolution: arbitration body/venue, class-action waiver where enforceable, and any consumer carve-outs.]
13. Miscellaneous
If any provision is unenforceable, the rest remains in effect. These Terms are the entire agreement between you and us regarding the Interface. Our failure to enforce a provision is not a waiver.
14. Contact
Questions about these Terms: [CONTACT EMAIL].
Risk Disclaimer
DRAFT — for attorney review. Not legal, financial, tax, or investment advice.Effective date: [EFFECTIVE DATE] · Version: 0.1-draft
Please read this carefully. Using the YieldVault / Guardian Protocol (the "Protocol") through the Interface involves significant risk, including the risk of total loss. By using the Interface you acknowledge that you understand and accept these risks.
1. Not advice
Nothing on the Interface is investment, financial, legal, tax, or other professional advice, and nothing is an offer, solicitation, or recommendation to buy, sell, or hold any asset. Make your own decisions and consult your own advisers.
2. Pre-mainnet / MODELED
Until the Protocol is deployed and marked LIVE on mainnet, all yields, APYs, NAV, floor values, reserves, TVL, and returns shown are MODELED simulations for illustration only. They are not live results and are not promises of future performance. Modeled figures may differ materially from real on-chain outcomes.
3. You can lose everything
Crypto assets are highly volatile. The value of your position can fall, and you could lose some or all of your assets. No return is guaranteed. Modeled or past performance does not predict future results.
4. Smart-contract and technical risk
The Protocol is software and may contain bugs, errors, or vulnerabilities. As of the effective date, the smart contracts have undergone internal review and testing only; no third-party security audit has been completed. Exploits, oracle failures, network congestion or halts, and front-end compromise are possible and could cause loss.
5. What "no-downtick" does and does NOT mean
The Protocol targets a guaranteed floor — a per-token value that is designed to ratchet up and not tick down, backed by a cash / short-Treasury reserve tranche. This is a floor mechanism, not immunity from loss:
- Your value above the floor is market-exposed and can fall — a market decline lowers your position toward the floor.
- The floor starts small and grows with the reserve. Early on, only a small portion of your position sits at the hard floor; the guarantee strengthens over time as the reserve compounds. It is not a day-one guarantee of your full principal.
- The floor's backing (cash / short Treasuries) is not risk-free in the extreme. A severe, simultaneous failure of stablecoins and/or U.S. Treasuries — a systemic event in which most dollar-denominated assets everywhere would also be impaired — could cause the floor to be under-backed and redemptions to settle below it.
6. Not a bank, not insured
The Protocol is not a bank, deposit account, or money-market fund. Your assets are not protected by the FDIC, the SIPC, or any government or private deposit-insurance program. There is no guarantee of liquidity or redemption at any particular value.
7. Regulatory uncertainty
The regulatory treatment of crypto assets and DeFi is evolving and uncertain. The classification of the tokens and the Protocol has not been determined, and nothing here is a determination that any token is or is not a security. Laws that apply to you are your responsibility, and future regulation could adversely affect the Protocol or your ability to use it.
8. Third-party and reserve-asset risk
The Protocol depends on third parties we do not control: wallets, blockchains and RPCs, price oracles, liquidity venues, bridges, and the issuers/custodians of stablecoins and tokenized real-world assets held in the reserve. A depeg, default, freeze, or exploit at any of these could cause loss.
9. Non-custodial: your keys, your responsibility
You retain custody of your assets and sign your own transactions. We never hold your keys and cannot recover them. If you lose your keys or seed phrase, your assets may be permanently lost. Blockchain transactions are generally irreversible — a mistaken or malicious transaction you sign cannot be undone by us.
10. Explain-before-execute
Before you sign, the Interface shows what a transaction is intended to do. Reviewing and confirming that information is your responsibility, and it forms part of your informed consent. Only sign transactions you understand.
11. No guarantee of availability
The Interface and Protocol may be unavailable, delayed, or discontinued at any time, without notice.
If you do not understand or accept these risks, do not use the Interface.
Contact: [CONTACT EMAIL].
Privacy Policy
DRAFT — for attorney review. Not legal advice.Effective date: [EFFECTIVE DATE] · Version: 0.1-draft
This Policy explains how [LEGAL ENTITY NAME] ("we") handles information in connection with the Interface at [WEBSITE URL]. We built the Interface to be non-custodial and privacy-minimal: we ask for as little as possible, and we never take your keys or your funds.
✅ What we NEVER do
We want this to be the clearest part of the document.
- We never collect, store, transmit, or ask for your private keys or seed phrase. Anyone asking you for them — including anyone claiming to be us — is trying to defraud you. Walk away.
- We never take custody of, hold, or control your funds, and we have no ability to move, withdraw, freeze, or spend your assets. Every transaction requires your own signature.
- We never collect traditional personal identifying information — no name, email, phone, home address, date of birth, government ID, or Social Security number — to browse or use the Interface. (We do not perform KYC today; if law ever requires it, we will update this Policy and tell you before collecting anything.)
- We never sell, rent, or trade your information to advertisers, data brokers, or anyone else.
- We never use third-party advertising or cross-site tracking cookies, and we do not build advertising profiles.
- We never track you across other websites or apps.
- We never require you to create an account or hand over personal data just to look around.
1. What we DO process
- Your public wallet address. When you connect a wallet, we see its public address to show your balances and build transactions. A wallet address is pseudonymous and already public on the blockchain.
- Public on-chain data. We read publicly available blockchain data (balances, transactions, prices) to operate the Interface. We do not put your personal information on-chain.
- Local (in-browser) storage. Preferences, acknowledgements, and activity history are stored in your own browser, scoped to your wallet ("wallet-scoped storage"). This stays on your device; you can clear it at any time. See the Cookie Policy.
- Basic technical/operational data. Like most websites, our hosting and security systems may process standard log data (e.g., IP address, browser type, timestamps) to keep the site running, secure, and abuse-free. [Founder/attorney to confirm exactly what the host/analytics, if any, retain.]
- Support communications. If you contact us at [CONTACT EMAIL], we process what you send us to respond.
2. How we use it
Only to: operate and secure the Interface; show your balances and construct the transactions you request; prevent fraud, abuse, and attacks; comply with law; and communicate with you if you reach out. We do not use it for advertising.
3. Third parties
The Interface relies on third parties that may process limited data to function: your wallet provider, blockchain RPC providers, price oracles and market-data sources, our hosting/CDN provider, and AI providers — but only if you enable the optional Guardian AI gateway, which is off by default, ships with no keys, and passes inputs through a privacy filter. Each third party has its own privacy terms. We do not control them.
4. Your choices and controls
- Disconnect your wallet at any time.
- Clear your local/wallet-scoped storage via your browser settings or the Interface controls.
- Decline non-essential cookies via the cookie banner (Cookie Policy).
- Depending on where you live, you may have rights to access, correct, or delete personal data. Because we hold very little and cannot associate a wallet address with your real-world identity on our own, some rights may not apply, but we will honor valid requests to the extent they do. Contact [CONTACT EMAIL].
5. Data retention and security
We keep operational/log data only as long as needed for the purposes above, then delete or de-identify it. We use reasonable technical and organizational safeguards. No system is perfectly secure, and public blockchain data is, by design, permanent and outside our control.
6. Children
The Interface is not for anyone under 18, and we do not knowingly collect data from children.
7. International
The blockchain is global and public. If you use the Interface, your public on-chain activity is visible worldwide and processing may occur in various countries. [Attorney to add any GDPR/CCPA-specific disclosures based on your audience.]
8. Changes
We may update this Policy; we will post a new effective date and, for material changes, highlight them in the Interface.
9. Contact
[CONTACT EMAIL].