Terms and Conditions

1. Definitions

• "Account" means a User's account on the INDEFI website or mobile application, allowing a User to access and use the Services, view allocations, rewards earned, and manage personal information.
• "Affiliate" means an entity that owns or controls, is owned or controlled by, or is under common control or ownership with a party.
• "AML" means Anti-Money Laundering procedures, laws, and regulations intended to stop the practice of generating income through illegal actions.
• "Blockchain" means a system in which records of transactions are maintained across several computers linked in a peer-to-peer network.
• "Digital Asset" means a digital representation of value in which encryption techniques are used to regulate the generation of digital units and verify the transfer of assets.
• "Eligible Digital Assets" means types of Digital Assets we may designate for inclusion under the Services from time to time.
• "Virtual Wallet" means an on-Blockchain virtual address in which Digital Assets can be held and transferred.

2. Eligibility

In order to use the Services, you must first register an Account. To be eligible to access and use the Services, you must:

• Be eighteen (18) years of age or older;
• Have the legal capacity to enter into and be bound by these Terms;
• Register for and maintain an active and valid INDEFI Account.

INDEFI may accept or reject applications to create an Account at its sole discretion. The Services are not available where prohibited by law or by INDEFI's AML policy.

3. AML Compliance

INDEFI has Anti-Money Laundering (AML) policies and procedures in place. We perform blockchain analysis on all funds received to ensure compliance with applicable laws and regulations. INDEFI maintains transaction records and history for five years, or longer as required under applicable laws.

Under certain circumstances, INDEFI may be required to report unusual transactions or any suspicion that a User might be involved in financial crime or illicit activity to the competent authorities.

4. Services

4.1 Account

Your Account allows you to access the Services, view your balances, and conduct transactions. You are solely responsible for the activities under your Account and for securing your Account credentials.

YOUR ACCOUNT IS NOT A BANK ACCOUNT, DEPOSIT ACCOUNT, SAVINGS ACCOUNT, OR ANY OTHER TYPE OF BANKING PRODUCT.

4.2 Account Security

If you believe that your INDEFI Account has been used by an unauthorized party, you must notify us IMMEDIATELY via email to help@indefi.io. YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING THE SECURITY AND CONFIDENTIALITY OF YOUR LOGIN DATA.

4.3 Allocations

You can allocate Digital Assets to INDEFI strategies by transferring them to the Virtual Wallet Address provided in your Account. Any Digital Asset received will be treated as allocated beginning on the date and time stamped on the Blockchain confirmation.

The minimum allocation amount is $25 USD equivalent. INDEFI reserves the right to modify minimum amounts.

4.4 Withdrawals

You may request withdrawal of your allocated Digital Assets at any time, subject to any applicable lockup periods for your chosen strategy. We may require up to three (3) days after you submit your withdrawal request to process the withdrawal.

4.5 Rewards

Our strategies allow you to earn rewards in the form of Digital Assets. Rewards are distributed daily to all active allocators proportionally based on their allocation size. The corresponding amount of rewards shall be reflected in your Account balance.

Reward rates are published and periodically updated by INDEFI. Rewards will be added to your allocation tranche and reflected in your transaction history.

4.6 Closing an Account

If you want to terminate your Account, you may do so via the platform or by notifying INDEFI at help@indefi.io. We reserve the right to suspend, freeze, or close your Account at any time for any reason.

5. Custody and Security

INDEFI operates as a custodial platform. When you allocate Digital Assets to our strategies, INDEFI takes custody of those assets to properly manage risk and execute strategies on your behalf.

We implement multi-signature wallets requiring multiple approvals for any asset movement. All platform transactions are recorded on-chain (Ethereum and Base networks) for full transparency and auditability.

INDEFI maintains a reserve fund of $100,000 to cover potential losses. This reserve fund grows over time from the fees generated by the platform.

6. Risk Disclosure

There are significant risks associated with Digital Assets, and you are solely responsible to make sure you understand such risks and assess whether such risks are appropriate for you.

Capital allocated to strategies is at risk, as with any asset. However, we use professional risk management practices to keep risks low. The risks associated with Digital Assets include but are not limited to:

• Legislation and regulatory changes may adversely affect the use, transfer, exchange, and value of Digital Assets.
• Transactions in Digital Assets may be irreversible, and losses due to fraudulent or accidental transactions may not be recoverable.
• The value of Digital Assets is dependent solely on market participants and may be totally and permanently lost.
• The price of Digital Assets is unpredictable and may cause significant loss over a short period of time.
• Cyber-attacks, operational or technical difficulties may limit, delay, or prevent access to Digital Assets.

7. Taxes

You acknowledge that:

• It is your responsibility to determine if any taxes apply to your use of the Services;
• You are responsible for collecting, reporting, and remitting the correct tax to the appropriate tax authority;
• You are solely responsible for paying any taxes arising from your use of the Services.

8. Referral Program

8.1 Program Overview

INDEFI offers a referral program that allows eligible Users to earn rewards by referring new users to the platform. Referral rewards are calculated as 12.5% of the profits distributed to referred users from their investments.

8.2 Eligibility

To participate in the referral program, Users must meet one of the following criteria:

• Have earned at least $500 USD equivalent in realized returns from INDEFI strategies; or
• Receive explicit approval from INDEFI administration.

INDEFI reserves the right to approve, deny, or revoke referral program access at any time without prior notice and at its sole discretion.

8.3 Referral Rewards

Referral rewards are credited to your referral balance when profit distributions occur for your referred users. You may request withdrawal of your referral balance at any time, subject to INDEFI's standard withdrawal processing times.

8.4 Prohibited Conduct and Abuse

The following activities are strictly prohibited and may result in immediate termination of referral privileges, forfeiture of referral rewards, and/or account suspension:

• Self-referrals or referring accounts under your own control;
• Creating multiple accounts or wallets for the purpose of exploiting the referral program;
• Using automated systems, bots, or scripts to generate referrals;
• Any form of fraud, misrepresentation, or manipulation of the referral system.

8.5 Common Control

Referral rewards are void and may be withheld or clawed back if the referrer and referee are determined, in our sole discretion, to be under common control. Common control includes, without limitation, self-referral, shared ownership, coordinated activity, or the use of multiple wallets or accounts to circumvent eligibility or reward limits.

8.6 Detection and Enforcement

INDEFI employs technical measures including, but not limited to, wallet address analysis and network activity monitoring to detect and prevent referral abuse. Users found to be in violation of these terms may be subject to clawback of any rewards earned through prohibited activities.

8.7 Program Modifications

INDEFI reserves the right to modify, suspend, or terminate the referral program at any time without prior notice. Any changes will be effective immediately upon posting to this page.

9. Disclaimer of Warranty

THE INDEFI SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTY. TO THE EXTENT ALLOWED BY APPLICABLE LAW ALL EXPRESS OR IMPLIED CONDITIONS, REPRESENTATIONS, AND WARRANTIES INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT ARE DISCLAIMED.

10. Governing Law

The relationship between you and INDEFI is governed exclusively by the laws of Saint Vincent and the Grenadines, without regard to its conflict of law provisions.

11. Contact

For questions about these Terms, contact us at: help@indefi.io