DeFolio Terms of Use

1. Acceptance of Terms

These Terms of Use (the “Terms”) form a binding agreement between you and Grant Financial LLC, doing business as DeFolio (“DeFolio,” “we,” “us,” or “our”), governing your access to and use of the DeFolio websites, applications, dashboards, analytics, alerts, reports, data, content, and related services (collectively, the “Platform”).

You accept these Terms when you click an acceptance button or checkbox, create an account, purchase a subscription, or otherwise access or use the Platform. If you do not agree, do not create an account or use the Platform. If you use the Platform for an organization, you represent that you have authority to bind that organization, and “you” includes that organization.

2. Eligibility and Geographic Restrictions

You must be at least 18 years old, have legal capacity to enter a binding contract, and not be barred from using the Platform under applicable law. You may not use the Platform from a jurisdiction where access to or use of the Platform would violate law or require DeFolio to obtain a license or registration it does not hold. You are solely responsible for determining whether your use is lawful in your location. We reserve the right to remove accounts from locations where DeFolio is not permitted to operate by law.

3. What DeFolio Is - and Is Not

DeFolio provides informational, educational, research, and analytical tools concerning decentralized finance, digital assets, blockchain networks, protocols, pools, markets, yields, risks, and related subjects. Features may include aggregated market or on-chain data, protocol information, watchlists, alerts, rankings, models, risk indicators, portfolio views, simulations, and content generated or assisted by artificial intelligence.

DeFolio is not a trading platform. Unless a future feature is expressly identified in separate written terms, DeFolio does not:

• execute, route, match, clear, settle, or confirm transactions;
• operate an exchange, alternative trading system, swap execution facility, broker, dealer, commodity trading adviser, commodity pool operator, or money-transmission service;
• take custody or control of your funds, digital assets, private keys, seed phrases, wallets, or accounts;
• act as your agent, investment adviser, financial planner, fiduciary, trustee, or portfolio manager;
• monitor your portfolio or circumstances for the purpose of protecting you from loss; or
• guarantee the availability, legality, safety, solvency, security, or performance of any asset, protocol, pool, bridge, blockchain, wallet, exchange, validator, oracle, or third party.

Labels such as “score,” “rating,” “signal,” “opportunity,” “risk,” “best,” “top,” “safe,” “verified,” or similar terms, if used, are analytical classifications within DeFolio’s methodology. They are not endorsements, recommendations, guarantees, or conclusions that an activity is suitable for you.

4. No Financial, Investment, Legal, Tax, or Other Professional Advice

ALL PLATFORM CONTENT IS PROVIDED FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. NOTHING ON THE PLATFORM CONSTITUTES OR SHOULD BE CONSTRUED AS FINANCIAL, INVESTMENT, SECURITIES, TRADING, LEGAL, TAX, ACCOUNTING, INSURANCE, OR OTHER PROFESSIONAL ADVICE, OR AS AN OFFER, SOLICITATION, RECOMMENDATION, OR ENDORSEMENT TO BUY, SELL, HOLD, STAKE, LEND, BORROW, SUPPLY LIQUIDITY, BRIDGE, FARM, OR OTHERWISE TRANSACT IN ANY ASSET OR PRODUCT.

DeFolio does not know your financial condition, objectives, risk tolerance, tax situation, experience, liquidity needs, or other circumstances. Platform information is not personalized advice merely because you configure filters, provide wallet addresses, create a watchlist, enter holdings, receive alerts, or view outputs tailored to selected inputs.

Before making any financial or investment decision, you should conduct your own independent investigation and consult an appropriately licensed financial professional and, as relevant, qualified legal, tax, and accounting professionals. You are solely responsible for deciding whether any transaction or activity is appropriate for you.

5. No Fiduciary or Advisory Relationship

Your use of the Platform does not create an adviser-client, broker-customer, fiduciary, agency, partnership, joint venture, employment, or other special relationship between you and DeFolio. DeFolio has no duty to act in your best interest, provide individualized advice, update you about developments, or warn you before you incur loss. Any subscription or other fee is for access to Platform features, not compensation for investment advice or transaction-based services.

6. Independent Decisions and User Responsibility

You retain exclusive control over, and responsibility for, every exchange connection, signature, approval, transaction, trade, position, transfer, deposit, withdrawal, stake, loan, liquidity position, bridge action, tax election, and other activity you undertake. You agree that you will not rely on the Platform as the sole basis for any decision and will verify material information directly from primary sources before acting.

You are responsible for your own due diligence, including reviewing protocol documentation and smart-contract addresses, assessing token economics and counterparties, confirming fees and slippage, testing transaction parameters, understanding applicable lockups and withdrawal conditions, and determining legal and tax consequences.

7. Digital Asset and DeFi Risk Disclosure

DIGITAL ASSETS AND DEFI ARE SPECULATIVE AND INVOLVE SUBSTANTIAL RISK. YOU MAY LOSE SOME OR ALL OF THE ASSETS YOU COMMIT, INCLUDING THROUGH EVENTS THAT CANNOT BE REVERSED OR REMEDIED.

Risks include, without limitation:

• extreme price volatility, illiquidity, thin markets, slippage, and market manipulation;
• smart-contract bugs, design flaws, exploits, hacks, malicious upgrades, rug pulls, and compromised administrators;
• impermanent loss, liquidation, leverage, collateral-value changes, interest-rate changes, and loss-versus-rebalancing;
• stablecoin depegging, reserve shortfalls, redemption failures, and issuer or custodian failure;
• oracle errors or manipulation, bridge failures, validator or sequencer failures, blockchain congestion, forks, reorganizations, and finality failures;
• loss, theft, disclosure, or misuse of private keys, seed phrases, credentials, devices, wallets, approvals, or signatures;
• phishing, impersonation, malware, malicious tokens, address poisoning, and fraudulent interfaces;
• protocol governance changes, token dilution, incentive changes, reward discontinuation, and unfavorable fee changes;
• counterparty, custodian, issuer, exchange, protocol, and service-provider insolvency or misconduct;
• regulatory, enforcement, sanctions, tax, classification, licensing, and legal changes;
• inaccurate, delayed, incomplete, manipulated, unavailable, or differently interpreted data; and
• transactions that are irreversible, accidentally sent to an incorrect address or network, or lost because of user error.

Displayed annual percentage rates, annual percentage yields, rewards, fees, returns, or other metrics may be variable, gross rather than net, calculated using assumptions, based on short observation periods, denominated in volatile tokens, or changed without notice. They are not bank interest rates, insured returns, or guarantees.

8. AI, Models, Scores, Simulations, and Forecasts

Platform outputs may be generated, summarized, classified, or enhanced by algorithms, statistical models, and artificial intelligence. These systems can produce inaccurate, outdated, incomplete, inconsistent, biased, or fabricated outputs and may fail to identify material risks. Scores and rankings depend on selected factors, weights, thresholds, assumptions, and data availability; reasonable methodologies may produce different results.

Forecasts, scenarios, backtests, simulations, estimated yields, risk ratings, and historical results are hypothetical or backward-looking. They do not predict future results and may omit fees, taxes, gas costs, slippage, liquidity constraints, execution delays, market impact, token emissions, changing incentives, or other real-world conditions. You must independently verify any output before using it.

9. Third-Party Data, Services, Protocols, and Links

The Platform may obtain information from blockchains, APIs, exchanges, aggregators, indexers, protocols, public sources, users, and other third parties. DeFolio does not control and is not responsible for the accuracy, completeness, timeliness, continuity, legality, security, or fitness of third-party content or services. Data may be delayed, duplicated, mistranslated, reclassified, interrupted, or corrected after display. It is your responsibility to independently confirm data you read on the platform that factors into your decision making.

References or links to third-party assets, protocols, applications, websites, wallets or services are for informational purposes only and do not constitute endorsement. Your interactions with a third party are governed by that party’s terms and privacy practices and are solely between you and that party. DeFolio is not responsible for losses caused by third parties, including transactions initiated through a link or interface accessible from the Platform.

10. Exchange Information and Non-Custodial Features

If the Platform permits you to connect an exchange, DeFolio may read account information and display analytics. Unless expressly stated otherwise, an exchange connection is for identification, read-only information, or user-directed interaction and does not give DeFolio custody of your assets. You must inspect every request and transaction before signing.

DeFolio will never need your private key or seed phrase. Do not provide either to DeFolio or anyone claiming to represent DeFolio. You are responsible for wallet security, permissions, token approvals, connected applications, device security, backups, and revocations.

11. Account Registration and Security

You must provide accurate, current, and complete registration information and keep it updated. You may not share your account, impersonate another person, or permit unauthorized access. You are responsible for maintaining the confidentiality of your credentials and for activity occurring through your account to the extent permitted by law. Notify us promptly at legal@defolio.io if you suspect unauthorized access.

We may require authentication measures, suspend access, or take other reasonable steps to protect the Platform. You acknowledge that no authentication or security method is completely secure.

12. Acceptable Use

You may not:

• use the Platform unlawfully, fraudulently, deceptively, or in violation of sanctions, export-control, anti-money-laundering, market-abuse, or other applicable requirements;
• attempt to gain unauthorized access, bypass controls or usage limits, probe vulnerabilities, or interfere with Platform operation;
• introduce malware, harmful code, automated traffic that materially burdens the Platform, or scraping not authorized in writing;
• reverse engineer or attempt to extract non-public source code, models, prompts, datasets, methodologies, or trade secrets except where applicable law prohibits this restriction;
• copy, sell, sublicense, distribute, frame, or commercially exploit Platform content except as expressly permitted;
• use Platform outputs to mislead others, manipulate markets, facilitate unlawful activity, or falsely imply DeFolio’s endorsement; or
• infringe intellectual-property, privacy, publicity, or other rights.

13. Subscriptions, Fees, Billing, and Taxes

If you purchase a paid plan, you agree to the pricing, billing interval, renewal, cancellation, and refund terms disclosed at checkout or in the applicable order. Fees are charged in advance unless stated otherwise and are nonrefundable except as required by law or expressly stated. You authorize the payment provider to charge your selected method, including recurring charges when applicable. You are responsible for taxes other than taxes imposed on DeFolio’s net income.

DeFolio may change future fees or plan features after providing notice required by applicable law. A price change will apply no earlier than your next renewal unless you affirmatively agree otherwise.

14. Intellectual Property and Limited License

The Platform, including its software, interfaces, branding, designs, methodologies, compilations, text, graphics, and other content, is owned by DeFolio or its licensors and is protected by intellectual-property and other laws. Subject to these Terms, DeFolio grants you a limited, revocable, nonexclusive, nontransferable, nonsublicensable license to access and use the Platform for your internal, lawful, personal or business informational purposes during your subscription or authorized access period.

You retain ownership of information you submit. You grant DeFolio a worldwide, nonexclusive license to host, reproduce, process, transmit, and display that information as reasonably necessary to operate, secure, support, and improve the Platform, subject to the Privacy Policy and applicable law. If you provide feedback, you grant DeFolio a perpetual, irrevocable, royalty-free right to use it without restriction or compensation.

15. Privacy

Our collection and handling of personal information are described in the DeFolio Privacy Policy, available at https://defolio.io/privacy. The Privacy Policy is incorporated by reference only to the extent permitted by applicable law. Blockchain activity is generally public and may remain permanently available independent of DeFolio.

16. Availability, Changes, Beta Features, and Termination

The Platform may be unavailable, delayed, interrupted, modified, or discontinued. We may add, remove, or change features, data sources, methodologies, limits, integrations, and plan requirements. Beta, preview, experimental, or free features may contain additional errors and may be changed or withdrawn at any time.

You may stop using the Platform at any time. We may suspend or terminate access if we reasonably believe you violated these Terms, created legal or security risk, failed to pay fees, or if continued service is no longer commercially practicable. Provisions that by their nature should survive will survive termination, including ownership, disclaimers, assumption of risk, liability limitations, indemnification, and dispute provisions.

17. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PLATFORM AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS. DEFOLIO AND ITS AFFILIATES, LICENSORS, DATA PROVIDERS, AND SERVICE PROVIDERS DISCLAIM ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS, SECURITY, RELIABILITY, QUIET ENJOYMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

DEFOLIO DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS; THAT DATA OR OUTPUTS WILL BE ACCURATE OR COMPLETE; THAT DEFECTS WILL BE CORRECTED; OR THAT ANY ASSET, PROTOCOL, TRANSACTION, STRATEGY, YIELD, SCORE, OR RESULT WILL BE PROFITABLE, AVAILABLE, LAWFUL, OR SUITABLE.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DEFOLIO AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, LICENSORS, DATA PROVIDERS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOSS OF PROFITS, REVENUE, BUSINESS, DATA, GOODWILL, OR OPPORTUNITY; LOSS OR THEFT OF DIGITAL ASSETS; TRADING OR INVESTMENT LOSSES; LIQUIDATION; IMPERMANENT LOSS; TAX LIABILITY; OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATED TO THE PLATFORM OR THESE TERMS, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DEFOLIO’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO DEFOLIO FOR THE PLATFORM DURING THE SIX MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (B) US$100.

The limitations in this Section apply to losses arising from user decisions; transactions; reliance on Platform content; inaccurate, incomplete, or delayed data; AI or model outputs; third-party services; security events; interruptions; or unauthorized account activity. They do not exclude liability that cannot lawfully be excluded, such as liability that applicable law makes nonwaivable. Some jurisdictions do not allow certain exclusions or limitations, so some provisions may not apply to you.

19. Indemnification

To the maximum extent permitted by law, you will defend, indemnify, and hold harmless DeFolio and its affiliates, officers, directors, employees, contractors, licensors, and service providers from third-party claims, damages, judgments, losses, liabilities, penalties, costs, and reasonable attorneys’ fees arising from or related to: (a) your violation of these Terms or applicable law; (b) your misuse of the Platform; (c) your transactions or other digital-asset activities; (d) content or data you submit; or (e) your infringement of another person’s rights. DeFolio may control the defense of a matter subject to indemnification, and you will reasonably cooperate. This Section does not require a consumer to indemnify DeFolio to the extent prohibited by applicable law.

20. Dispute Resolution; Arbitration; Class-Action Waiver

Informal resolution. Before filing a claim, each party will send written notice describing the dispute and requested relief to the notice address in Section 24 and attempt in good faith to resolve it for 30 days.

Binding arbitration. Except for eligible individual claims in small-claims court and claims seeking injunctive relief for intellectual-property misuse, any dispute arising out of or relating to these Terms or the Platform will be resolved by binding individual arbitration administered by AAA under its applicable consumer or commercial rules. The Federal Arbitration Act governs this arbitration provision. The seat and hearing location will be Lehigh County, Pennsylvania, unless the applicable rules or law require otherwise. The arbitrator may award relief available in court on an individual basis.

Class and jury waiver. TO THE EXTENT PERMITTED BY LAW, EACH PARTY WAIVES THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION OR ARBITRATION. CLAIMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY.

21. Governing Law and Venue

These Terms are governed by the laws of Pennsylvania, without regard to conflict-of-law rules, except that the Federal Arbitration Act governs Section 20. For disputes not subject to arbitration, you and DeFolio consent to exclusive jurisdiction and venue in the state and federal courts located in Lehigh County, Pennsylvania unless applicable consumer law requires otherwise.

22. Changes to These Terms

We may update these Terms. We will post the revised Terms and update the effective date, and we will provide additional notice when required by law or when changes are material. Changes become effective on the stated date. If applicable law requires affirmative consent, we will request it. Your continued use after changes take effect constitutes acceptance to the extent permitted by law. If you do not agree, you must stop using the Platform and cancel your account.

23. Electronic Communications

You consent to receive agreements, disclosures, notices, and other communications electronically, including by email, in-product notice, or posting on the Platform. You agree that electronic records satisfy legal writing requirements to the extent permitted by law. Keep your contact information current and retain copies of these Terms for your records.

24. General Terms and Contact Information

These Terms, the Privacy Policy, and any applicable order or supplemental terms constitute the entire agreement regarding the Platform. If a provision is unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions will remain effective. Failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; DeFolio may assign them in connection with a merger, acquisition, reorganization, financing, or sale of assets, subject to applicable law. Headings are for convenience only. “Including” means “including without limitation.”

Legal notices to DeFolio must be sent to: Grant Financial, 4949 Liberty Lane, Allentown, PA 18106. Email: legal@defolio.io

25. Account-Creation Acknowledgment

When you create a DeFolio account, or upgrade to a paid plan, you must affirmatively confirm both of the following:

• I have read and agree to the DeFolio Terms of Use and acknowledge that DeFolio provides informational and analytical tools only and does not provide financial or investment advice. DeFolio does not execute trades or take custody of my assets. I understand that digital assets and DeFi involve substantial risk, including possible loss of all assets I commit, and that I am solely responsible for my decisions and activities.
• I certify under penalty of perjury I am at least 18 years of age.