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VIRTUS Protocol — Legal Disclaimer

Effective Date: March 6, 2026
Version: 1.0

Important Notice​

Please read this Legal Disclaimer carefully before accessing or using https://app.virtus-protocol.com/, https://liquidity.virtus-protocol.com or any website mirrors. All products, features, interfaces, smart contracts, documentation, and tools made available through the Website are referred to as the "Services."

This Legal Disclaimer is entered into by and between the Website user ("You", "Your") and the VIRTUS Protocol operators ("Operator", "We", "Our", "Us"). This Legal Disclaimer explains the terms and conditions under which You may access and use the Services.

BY USING THE WEBSITE AND CLICKING PAST THIS LEGAL DISCLAIMER PAGE, YOU CONFIRM THAT YOU ACCEPT THIS LEGAL DISCLAIMER, THE PRIVACY POLICY, AND THE TERMS OF SERVICE, AND AGREE TO COMPLY WITH THE REQUIREMENTS OF VIRTUS PROTOCOL AND ITS INTEGRATED PARTNERS, INCLUDING BUT NOT LIMITED TO:

If You do not agree, You must not access or use the Website or the Services.

NOTICE: THIS AGREEMENT CONTAINS IMPORTANT INFORMATION, INCLUDING A BINDING ARBITRATION PROVISION AND A CLASS ACTION WAIVER, BOTH OF WHICH AFFECT YOUR RIGHTS AS TO HOW DISPUTES ARE RESOLVED. THE SERVICES AND THE WEBSITE ARE AVAILABLE TO YOU ONLY IF YOU FULLY AND UNCONDITIONALLY AGREE TO THESE TERMS.

1. Non-Custodial Decentralized Protocol​

1.1 You acknowledge and agree that VIRTUS Protocol is a non-custodial decentralized protocol. The Operator does not hold, control, manage, or custody user funds or digital assets, and does not have access to users' private keys or wallets. All interactions with the Services are executed directly by users via self-custodied wallets on public blockchain networks.

1.2 Nothing on the Website or within the Services constitutes investment advice, financial advice, legal advice, tax advice, or a recommendation to acquire, hold, or dispose of any digital asset. The Services do not constitute an offer or solicitation of securities, financial instruments, or regulated products within the meaning of Regulation (EU) 2023/1114 (Markets in Crypto-Assets Regulation — MiCA) or any other applicable law.

2. User Representations and Warranties​

2.1 By accessing or using the Services, You represent and warrant that:

(a) You are of legal age to form a binding contract in Your jurisdiction of residence and in no event under the age of 18;

(b) You have not been previously suspended or removed from using the Services;

(c) You have full power and authority to enter into this agreement with the Operator, and that doing so does not violate any other agreement to which You are a party;

(d) You will fully comply with all applicable laws and regulations, including those relating to digital assets and blockchain technologies;

(e) You will not access or use any of the Services or the Website to conduct, promote, or otherwise facilitate any illegal, unlawful, or prohibited activity.

2.2 If You are using the Services on behalf of a legal entity, You further represent and warrant that:

(a) Such legal entity is duly organized and validly existing under the applicable laws of the jurisdiction of its organization; and

(b) You are duly authorized by such legal entity to act on its behalf.

3. The Services​

3.1 The Website and the Services provide a web- or mobile-based means of access to a decentralized protocol deployed on various public blockchains, including but not limited to Ethereum and Layer 2 networks built on top of Ethereum, that allows users to interact with and trade certain compatible digital assets (the "Protocol").

3.2 The Website and the Services are distinct from the Protocol and represent one, but not the exclusive, means of accessing the Protocol. The Protocol itself consists of self-executing smart contracts deployed on public blockchains. We do not control, manage, or operate the Protocol. It is not possible for any party to control or operate the immutable smart contracts that comprise the core functionality of the Protocol.

3.3 By using the Website or the Services, You acknowledge and understand that You are not buying or selling digital assets from Us; We do not operate or manage any liquidity pools on the Protocol, nor do We control trade execution on the Protocol; where applicable, trading fees are distributed to voters and/or liquidity providers in accordance with the Protocol's rules; We are not a liquidity provider to the Protocol's liquidity pools; and all liquidity providers are independent third parties.

3.4 To access the Services, You must use non-custodial wallet software that enables interaction with public blockchain networks. Your relationship with any such non-custodial wallet provider is governed solely by the applicable terms of service of that provider. We do not have custody or control over the contents of Your wallet and have no ability to access, retrieve, transfer, or manage digital assets held therein. By connecting Your wallet to the Services, You agree to be bound by this Agreement and all terms incorporated herein by reference.

4. Information Published Is Not Advice​

4.1 The information provided on the Website is for informational purposes only and does not constitute investment advice, financial advice, legal advice, regulatory advice, accounting advice, tax advice, or any similar professional advice. You should not treat any content on the Website as such.

4.2 Nothing on the Website shall be construed as a recommendation, endorsement, or solicitation by Us, Our affiliates, or any third party to acquire or dispose of any digital asset, or to engage in any investment strategy or transaction. You are solely responsible for assessing the merits and risks of any activity and should consult your own legal, financial, tax, or other professional advisers regarding your specific circumstances.

4.3 The Operator provides the Website as a technical interface made available to the public and expressly disclaims all liability for any damages or losses of any kind arising from the use of, reference to, or reliance on information contained on the Website. While information on the Website may be updated from time to time, no representation or warranty is made that such information is accurate, complete, or current at all times.

5. Usage Restrictions​

5.1 By accessing or using the Website or the Services, You confirm and agree that:

(a) You are not currently residing in, a citizen or national of, incorporated in, or otherwise subject to the jurisdiction of any of the following Restricted Territories:

Sanctioned Countries: Afghanistan, Belarus, Cuba, North Korea, Iran, Myanmar (Burma), Russia, Syria, Venezuela, Zimbabwe.

Embargoed Regions: Crimea and Sevastopol, so-called Donetsk People's Republic (Donetsk region), so-called Luhansk People's Republic (Luhansk region), Abkhazia, South Ossetia, Northern Cyprus.

Other Restricted Jurisdictions: People's Republic of China, United States of America and all its territories.

High-Risk Jurisdictions: Angola, Bosnia and Herzegovina, Burundi, Central African Republic, Democratic Republic of Congo, Republic of the Congo, Ethiopia, Guinea, Guinea-Bissau, Haiti, Iraq, Ivory Coast (Côte d'Ivoire), Lebanon, Liberia, Libya, Mali, Moldova, Montenegro, Nicaragua, Niger, Serbia, Somalia, Somaliland, South Sudan, Sudan, Tunisia, Turkey, Yemen.

Any other jurisdiction subject to sanctions, embargoes, or restrictive measures administered or enforced by applicable governmental authorities.

(b) Your access to and use of the Website and the Services is lawful in Your country of residence and complies with all applicable local laws and regulations governing the manner in which You access and use them.

6. Prohibited Persons​

6.1 You must not be a Prohibited Person to use the Services. A "Prohibited Person" means any person or entity that:

(a) Is listed on any government list of prohibited or restricted parties, including the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC) Specially Designated Nationals List, the U.S. Department of Commerce Denied Persons List or Entity List, the European Union Consolidated Financial Sanctions List, the United Kingdom Consolidated List of Financial Sanctions Targets, the United Nations Security Council Consolidated Sanctions List, or any equivalent list of any jurisdiction;

(b) Is located in, resident in, organized under the laws of, or otherwise subject to the jurisdiction of any country subject to embargoes or designated as a sanctioned or terrorist-supporting country;

(c) Is a citizen of, resident of, or organized in any of the Restricted Territories listed in Section 5.1;

(d) Is otherwise a person or entity with whom the Operator is prohibited from dealing under the laws or regulations of any applicable jurisdiction; or

(e) Is owned or controlled, directly or indirectly (50% or more), by any person or entity described in clauses (a) through (d).

6.2 The Operator may use technical and compliance measures, including IP-based geofencing, blockchain analytics, or similar tools, to enforce these restrictions. By accessing or using the Services, You represent and warrant that You are not a Prohibited Person.

6.3 You acknowledge and agree that You are solely responsible for complying with all applicable laws and regulations of the jurisdiction from which You access or use the Services. By using the Services, You represent and warrant that You meet the foregoing eligibility requirements and that You will not use the Services for any unlawful purpose or to engage in any prohibited activity.

6.4 We may require You to provide additional information or documentation relating to Your use of the Services where required by applicable law or regulation, including laws relating to anti-money laundering or counter-terrorist financing, or where We have reasonable grounds to believe that Your wallet is being used for money laundering or any other illegal activity, or You have provided false, misleading, or incomplete identification information or other material details.

7. Right to Use the Services​

7.1 You are authorized to use the Services for Your personal, non-commercial purposes, provided that You comply with these Terms. If We distribute any software, content, or other materials owned or controlled by Us as part of Your use of the Services, We grant You a personal, non-assignable, non-sublicensable, non-transferable, and non-exclusive right to access and display such software, content, and materials solely for the purpose of using the Services as permitted by these Terms.

7.2 Your access to and use of the Services may be interrupted from time to time for various reasons, including equipment malfunction, periodic updates, maintenance or repairs, or other actions that the Operator may undertake at its sole discretion.

8. Restrictions on Your Use of the Services​

8.1 You may not engage in any of the following activities without Our prior written permission, except where expressly permitted by applicable law:

(a) Downloading, modifying, copying, distributing, transmitting, displaying, performing, reproducing, publishing, licensing, creating derivative works from, or selling any information, software, or materials obtained from the Services, except for temporary files cached by Your web browser or as expressly permitted by these Terms;

(b) Decompiling, reverse engineering, disassembling, decoding, or otherwise attempting to derive the source code or underlying structure of the Services;

(c) Removing, altering, or obscuring any copyright, trademark, or other proprietary notices displayed on or through the Services;

(d) Using unauthorized software, scripts, or third-party tools, including bots, hacks, exploits, or mods, in connection with the Services;

(e) Using the Services for commercial purposes, including advertising, solicitation, or offering goods or services, unless expressly authorized by Us;

(f) Using the Services in any manner that could disable, overburden, damage, or disrupt the Services or interfere with any other party's use of the Services;

(g) Attempting to gain unauthorized access to the Services, user accounts, servers, networks, or related systems;

(h) Circumventing, bypassing, disabling, or otherwise interfering with security features, access controls, or content protection mechanisms of the Services;

(i) Using automated means, including scraping, crawling, or data-mining tools, to access, extract, or collect data from the Services;

(j) Introducing viruses, malware, worms, logic bombs, or other harmful or malicious code into the Services or related systems;

(k) Submitting, uploading, or posting any content that is unlawful, defamatory, obscene, abusive, fraudulent, or otherwise objectionable;

(l) Violating any applicable laws, regulations, or legal obligations in connection with Your use of the Services; or

(m) Using the Services in any manner not expressly permitted by these Terms.

9. Prohibited Activities​

9.1 You agree not to engage in, or attempt to engage in, any of the following prohibited activities in relation to Your use of the Services or Website:

Intellectual Property Infringement: Activity that infringes on or violates any copyright, trademark, service mark, patent, right of publicity, right of privacy, or other proprietary or intellectual property rights under the law.

Cyberattack: Activity that seeks to interfere with or compromise the integrity, security, or proper functioning of any computer, server, network, personal device, or other information technology system, including but not limited to the deployment of viruses and denial-of-service attacks.

Fraud and Misrepresentation: Activity that seeks to defraud Us or any other person or entity, including but not limited to providing any false, inaccurate, or misleading information in order to unlawfully obtain the property of another.

Market Manipulation: Activity that violates any applicable law, rule, or regulation concerning the integrity of trading markets, including but not limited to the manipulative tactics commonly known as "rug pulls", pumping and dumping, and wash trading.

Securities and Derivatives Violations: Activity that violates any applicable law, rule, or regulation concerning the trading of securities or derivatives, including but not limited to the unregistered offering of securities and the offering of leveraged and margined commodity products in violation of applicable law.

Sale of Stolen Property: Buying, selling, or transferring of stolen items, fraudulently obtained items, items taken without authorization, and/or any other illegally obtained items.

Data Mining or Scraping: Activity that involves data mining, robots, scraping, or similar data gathering or extraction methods of content or information from any of the Services.

Any Other Unlawful Conduct: Activity that violates any applicable law, rule, or regulation of any relevant jurisdiction.

10. Usage Risks​

10.1 The Website shall not be responsible for any losses, damages, or claims arising from events including but not limited to: mistakes made by the user (for example, payments sent to incorrect addresses), software issues affecting the Website or any related software or service (including malware or insecure cryptographic libraries), technical failures (such as malfunctioning hardware wallets), security issues experienced by the user (including unauthorized access to wallets), or actions or omissions of third parties (including bankruptcy of service providers, information security breaches affecting service providers, or fraud committed by third parties).

10.2 To access the Website or certain resources made available through it, You may be required to provide an Ethereum wallet address (the "Wallet"). The Website does not collect or store Wallet addresses.

10.3 By using the Website and the Services, You may access and interact with smart contracts that enable peer-to-peer transactions using digital assets. We do not control, operate, or manage any such smart contracts and assume no liability or responsibility for the outcome of any interactions with them. All such interactions occur entirely at Your own risk.

11. Investment Risks​

11.1 Investment in cryptocurrencies involves a high degree of risk and may result in the partial or total loss of funds. Digital asset prices are highly volatile and may fluctuate significantly over short periods of time. Information published on the Website does not and cannot guarantee that any amounts invested will not be lost.

11.2 You are solely responsible for understanding all risks, conducting your own due diligence, and making your own decisions regarding how to access and use the Website and the Services. By interfacing with the Website and the Services, You acknowledge and understand that the Protocol consists of immutable smart contracts that We do not control; that liquidity pools are permissionless and may be created by third parties; that We do not provide liquidity or operate liquidity pools; and that, as a result, when You interact with tokens on the Protocol You are interacting with, and relying upon, independent third parties that provide liquidity and operate such liquidity pools.

12. Tax Obligations​

12.1 Users of the Website are solely responsible for determining what, if any, taxes apply to their cryptocurrency holdings, transactions, or activities conducted through the Website or the Services. The Operator is not responsible for determining, calculating, reporting, withholding, or remitting any taxes applicable to user transactions or digital asset holdings.

13. No Warranties​

13.1 THE WEBSITE AND THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE AVAILABILITY, ACCESSIBILITY, OPERATION, OR USE OF THE WEBSITE AND/OR ANY CONTENT, DATA, MATERIALS, OR SERVICES PROVIDED THROUGH IT WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

13.2 Website functionality is not guaranteed and may be suspended, limited, or disabled, in whole or in part, at any time and without prior notice.

13.3 You acknowledge and agree that:

(a) All trades or transactions You submit through the Website or any of the Services are unsolicited and are initiated solely by You;

(b) You have not received, and will not receive, any investment advice, recommendation, or guidance from Us in connection with any transaction; and

(c) We do not perform any suitability, appropriateness, or risk assessment of any transaction, asset, or activity conducted through the Website or the Services.

14. Security​

14.1 Security audits do not eliminate all risks. The Website and the Services are not guaranteed to be secure, error-free, or free from bugs, vulnerabilities, or viruses.

14.2 The Services and the Website are strictly non-custodial, meaning that We do not at any time have custody, possession, or control over Your digital assets. Accordingly, You are solely responsible for safeguarding the cryptographic private keys, seed phrases, and credentials associated with any digital asset wallets You use. You must never share Your wallet credentials or recovery phrases with any third party.

14.3 We accept no responsibility for, and disclaim all liability arising from, Your use of any wallet. We make no representations or warranties regarding the compatibility, performance, or operation of the Website or the Services with any specific wallet software or provider. You are solely responsible for selecting, using, and securing Your wallet, and We shall not be liable for any losses, damages, or consequences resulting from the compromise, misuse, or unauthorized access to Your wallet.

15. Limitation of Liability​

15.1 TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE OPERATOR AND ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, SUPPLIERS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE TO YOU FOR ANY: (1) FINANCIAL LOSSES; (2) LOSS OF USE, DATA, BUSINESS, OR PROFITS; OR (3) INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR ANY OTHER DAMAGES ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS.

15.2 You acknowledge that the limitations of liability in this section are material provisions of these Terms, and that absent those limitations of liability, the Operator would have declined to enter into these Terms on the economic and other terms stated herein.

15.3 To the extent not expressly prohibited by law, You knowingly, voluntarily, intentionally, permanently, and irrevocably:

(a) AGREE that the rights and obligations that arise out of or relate to the Services, or any transaction or relationship resulting from the Services or these Terms, are to be defined solely under the law of contract in accordance with the express provisions of these Terms;

(b) WAIVE any such obligations allegedly owed by Us that are not expressly stated in these Terms, whether those obligations are alleged to arise in quasi-contract, quantum meruit, unjust enrichment, promissory estoppel, tort, strict liability, by law (including any constitution, statute, or regulation), or otherwise.

15.4 You specifically agree that each limitation of liability in this section applies:

(a) To You and to any of Your affiliates, agents, and associated individuals;

(b) To all claims for damages or other monetary relief, whether alleged to arise in contract, tort (including negligence, gross negligence, or willful misconduct), or otherwise;

(c) Regardless of the legal theory under which damages are alleged to arise;

(d) Even if the allegedly liable party was advised, knew, or had reason to know of the possibility of excluded damages and/or of damages in excess of the relevant damages cap; and

(e) Even if one or more limited remedies fail of their respective essential purposes.

15.5 AGGREGATE LIABILITY CAP. THE CUMULATIVE TOTAL LIABILITY OF THE OPERATOR TO YOU FOR ANY ACTION ARISING OUT OF USE OF THE SERVICES OR THE WEBSITE SHALL NOT EXCEED FIVE US DOLLARS ($5.00 USD).

15.6 You expressly agree not to seek damages in excess of any applicable limitation of liability stated in these Terms.

15.7 You acknowledge that some jurisdictions may not permit limitation or exclusion of remedies under some circumstances, in which case some or all of the limitations of liability stated in this section may not apply; this sentence, however, is not to be taken as a concession that any particular limitation or exclusion should not apply. In the event any limitation of liability is found not to apply, it shall be severed and the other limitations of liability shall still apply.

16. Indemnification​

16.1 You agree that You will defend, indemnify, and hold harmless the Operator and its affiliates, licensors, service providers, and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to Your violation of these Terms or Your use of the Services.

17. No Fiduciary Duties​

17.1 This Agreement is not intended to, and does not, create or impose any fiduciary duties on Us. To the fullest extent permitted by law, You acknowledge and agree that We owe no fiduciary duties or liabilities to You or any other party, and that to the extent any such duties or liabilities may exist at law or in equity, those duties and liabilities are hereby irrevocably disclaimed, waived, and eliminated.

17.2 You further agree that the only duties and obligations that We owe You are those set out expressly in this Agreement.

18. Arbitration and Class Action Waiver​

18.1 Any dispute, controversy, or claim, whether brought by You or by Us, arising out of, relating to, or in connection with Your use of the Website or the Services, or in connection with these Terms, including any dispute regarding their interpretation, breach, violation, validity, non-performance, or termination, shall be finally resolved by binding individual arbitration.

18.2 The parties agree to arbitrate solely on an individual basis, and that these Terms do not permit class arbitration or any claims brought as a plaintiff or class member in any class or representative arbitration proceeding.

18.3 The arbitral tribunal may not consolidate the claims of more than one person and may not otherwise preside over any form of representative or class proceeding.

18.4 If the prohibition on class arbitration is determined to be invalid or unenforceable, the remaining portions of this agreement to arbitrate shall remain in full force and effect. The class action waiver and jury trial waiver shall remain enforceable independently regardless of the enforceability of any other provision of this Section 18.

19. Third-Party Services and Content​

19.1 In using the Website, You may view content or utilize services provided by third parties ("Third Parties"), including links to web pages and services of such parties ("Third-Party Content"). We do not control, endorse, or adopt any Third-Party Content and have no responsibility for Third-Party Content, including without limitation material that may be misleading, incomplete, erroneous, offensive, indecent, or otherwise objectionable.

19.2 Your business dealings and/or correspondence with such Third Parties is a matter solely between You and the Third Parties. We are not liable or responsible for any loss or damage of any sort incurred as a result of such dealings. You understand that Your use of Third-Party Content, and Your interactions with Third Parties — including but not limited to wallet providers and automated liquidity management providers — is at Your own risk.

19.3 For information regarding wallet integrations with the Services:

  • WalletConnect: Please consult their privacy policy
  • Coinbase Wallet: Please consult their legal agreements
  • Safe (Gnosis): Please consult their privacy policy

20. Intellectual Property Rights​

20.1 The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Operator and its licensors and affiliates, and are protected by applicable copyright, trademark, trade dress, patent, trade secret, and other intellectual property or proprietary rights laws.

20.2 The Operator name and all related names, logos, product and service names, designs, and slogans are trademarks of the Operator or its licensors or affiliates. All intellectual property rights associated with Third Parties and Third-Party Content referenced on or offered through the Website are owned by the respective entities offering such services.

20.3 You agree not to use any Operator or Third-Party intellectual property without prior written permission from the Operator or such Third Party. You are granted a limited, revocable, and nonexclusive right to post excerpts from or create a hyperlink to the Website, provided that full and clear credit is given to Us with appropriate and specific direction to the original content, and provided such hyperlink is not related to any portrayal of the Operator or the Website in any false, misleading, derogatory, or otherwise offensive manner.

21. Changes​

21.1 We may revise and update these Terms from time to time in Our sole discretion and without notice. All changes are effective immediately when posted and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms means that You accept and agree to the changes.

21.2 You are expected to check this page from time to time so You are aware of any changes, as they are binding on You.

21.3 We reserve the right, with or without notice to You, to modify, substitute, eliminate, or add to any of the Services.

© 2026 VIRTUS Protocol. All rights reserved.