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VIRTUS Protocol — Terms of Service

Effective Date: March 6, 2026
Version: 1.0

1. Acceptance of Terms​

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you", "your") and VIRTUS Protocol ("VIRTUS", "we", "us", "our") governing all access to and use of services ("Services") including:

These Terms are consistently accessible on the Website, prevailing over any alternative versions or conflicting documents.

BY ACCESSING, BROWSING, OR USING THE SERVICES IN ANY CAPACITY, OR BY SUBMITTING YOUR ACCEPTANCE THROUGH ANY OPTION OFFERED, YOU IRREVOCABLY ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, ACCEPTED, AND AGREED TO COMPLY UNCONDITIONALLY WITH ALL OF THESE TERMS, INCLUDING OUR PRIVACY POLICY. The Privacy Policy is incorporated herein by reference and is subject to periodic updates. You must immediately and permanently cease using the Services if you do not agree with these Terms and/or the Privacy Policy.

This Agreement applies from the first time you access the Services. You must abide by these Terms as long as you continue using the Services in any capacity.

IMPORTANT NOTICE ABOUT ARBITRATION: BY USING OR ACCESSING THE SERVICES, YOU AGREE TO SETTLE ANY DISPUTE WITH VIRTUS PROTOCOL THROUGH BINDING, INDIVIDUAL ARBITRATION INSTEAD OF GOING TO COURT. YOU ALSO AGREE TO A CLASS ACTION WAIVER, WHICH AFFECTS YOUR RIGHTS REGARDING DISPUTE RESOLUTION.

The Services are NOT available to individuals or entities located in, citizens of, incorporated in, or with a registered office in the United States of America or any Restricted Territories, as defined in Section 6 ("Restricted Persons"). We do not grant exceptions. If you are a Restricted Person, do not attempt to access or use the Services. The use of a virtual private network (VPN) or any other method by Restricted Persons to access or use the Services is prohibited.

We reserve the right to modify these Terms at any time by posting the updated version to the Services. Your continued use after any modification constitutes unconditional acceptance. It is your sole responsibility to review the Terms regularly. The current version is always available at https://docs.virtus-protocol.com/docs/Legal/Terms-of-Service.

2. Binding Arbitration and Class Action Waiver​

IMPORTANT — READ CAREFULLY: BY USING THE SERVICES, YOU AGREE TO RESOLVE ALL DISPUTES THROUGH BINDING, INDIVIDUAL ARBITRATION AND WAIVE YOUR RIGHT TO A COURT TRIAL, JURY TRIAL, AND CLASS ACTION PARTICIPATION.

2.1 Any dispute, claim, or controversy arising out of or relating in any way to these Terms, the Services, the Interface, or your use thereof shall be resolved exclusively through final and binding individual arbitration, and not by a court or jury.

2.2 You waive any right to commence, participate in, or recover through any class action, collective action, representative action, private attorney general action, or consolidated arbitration. You agree to bring all disputes or claims in your individual capacity only — not as a plaintiff or member of any class, collective, or representative proceeding.

2.3 If you have any dispute or claim arising out of or relating in any way to the Interface or these Terms, you must first send an email to VIRTUSplatform@proton.me to resolve the matter via an informal, good faith negotiation process. No arbitration may be commenced until at least thirty (30) days after written notice of the dispute has been provided.

2.4 If any portion of this arbitration agreement is found unenforceable, the remaining portions shall continue to apply to the maximum extent permitted by law. The class action waiver and jury trial waiver shall remain enforceable independently regardless of the enforceability of any other provision of this Section 2.

3. Nature of the Interface​

3.1 Information Aggregation Tool Only​

The Interface aggregates and publishes publicly available third-party information about staking technology and decentralized protocols. It reads publicly available data from blockchain networks and third-party sources and presents it in a user-friendly format. The Interface generates draft transaction messages based on user inputs combined with publicly available blockchain data. The Interface does not execute, transmit, process, validate, control, facilitate, or have custody over any transactions, digital assets, funds, or blockchain operations whatsoever.

3.2 Transaction Interaction Methods​

The Interface provides interaction methods that allow Users to indicate transactions they wish to perform in connection with publicly available VIRTUS Smart Contract Systems ("Middlewares"), including accessing functionalities of publicly deployed Middlewares, self-authorizing token transfers through Users' own wallets, and self-minting utility tokens on relevant blockchain networks. When using these interaction methods, the Interface generates draft transaction messages that Users can independently review and execute using their own third-party wallet applications or hardware devices.

3.3 No Execution, No Control, No Custody​

All transactions are initiated exclusively by the User, executed directly by the User through the User's own third-party wallet, processed entirely on decentralized blockchain networks by independent validators, irreversible once confirmed on the blockchain, and the sole and exclusive responsibility of the User. At no point does VIRTUS or the Interface take possession of, transmit, relay, facilitate, intermediate, or exercise any form of control over any User transaction, digital asset, token, or fund.

3.4 No Modification of Deployed Contracts​

The VIRTUS Smart Contract Protocols and Middlewares are deployed on immutable public blockchains. VIRTUS cannot and does not modify, upgrade, pause, halt, or alter any deployed smart contract; reverse, cancel, void, or refund any transaction under any circumstance; recover lost, stolen, or misdirected funds; correct, compensate for, or mitigate User errors; or control, influence, or adjust protocol parameters except through public governance mechanisms equally available to all token holders.

3.5 Third-Party Infrastructure​

All interactions with the Interface depend upon third-party infrastructure entirely outside VIRTUS's control, including wallet providers (e.g., MetaMask, Ledger, WalletConnect), public blockchain networks and their validators, smart contract code deployed by third parties, third-party APIs, data feeds, and RPC providers, and internet and telecommunications infrastructure. VIRTUS makes no representations, warranties, or guarantees of any kind regarding the availability, functionality, security, accuracy, reliability, or performance of any third-party infrastructure.

3.6 Information Accuracy​

While the Interface strives to display accurate information, all displayed data — including prices, liquidity, staking details, and other metrics — is sourced from third-party APIs, public blockchain records, or calculated for informational purposes only and may be delayed, incomplete, inaccurate, or erroneous. We make no representations or warranties about the functionality of the Services or accuracy of data provided, whether live or historical. Users must independently verify all information before making any decision or engaging in any transaction. VIRTUS bears no responsibility for errors, omissions, or inaccuracies in displayed data, regardless of the cause. All decisions that you make directly or indirectly through the Services are your sole responsibility and we have no liability for your decisions.

4. Middleware and Smart Contracts​

4.1 Open-Source Software​

The VIRTUS Smart Contract Protocols are open-source software freely available to the public. Anyone may view, copy, modify, fork, and deploy the protocol code. VIRTUS has no proprietary or exclusive rights over the Protocols and no control over how third parties use, deploy, or modify them.

4.2 Immutability and Autonomy​

Once deployed, Middlewares are immutable and cannot be modified, upgraded, or deleted by any party; permissionless and accessible to anyone with a compatible wallet; autonomous and operate solely according to pre-programmed logic without human intervention; and decentralized, executed by independent blockchain validators.

4.3 No Ownership, No Control, No Administration​

VIRTUS does not own, operate, control, administer, manage, or have any authority over any deployed Middleware. VIRTUS cannot pause, stop, modify, or interfere with Middleware operations; cannot access, freeze, seize, or redirect funds held in Middlewares; and has no special administrative privileges, backdoors, or override capabilities.

4.4 Third-Party Deployments​

Multiple copies, versions, forks, and derivatives of the VIRTUS Protocols may exist across different blockchains, deployed by unknown and unaffiliated third parties. VIRTUS does not endorse, verify, audit, or take responsibility for any third-party deployment. Malicious actors may deploy fraudulent or compromised versions using similar names or branding. VIRTUS is under no obligation to publish information about all Protocol deployments, warn users about alternative or fraudulent versions, or distinguish between legitimate and malicious Protocol copies. It is the User's sole responsibility to verify the authenticity and security of any contract before interacting with it.

4.5 Smart Contract Risks​

All smart contracts carry inherent and unavoidable risks including undiscovered bugs, vulnerabilities, or logic errors; exploits by malicious actors; unexpected behavior under edge-case conditions; incompatibility with certain tokens, wallets, or networks; and permanent, irrecoverable loss of funds. While deployed bytecode corresponds to audited source code, no audit guarantees the absence of vulnerabilities or absolute security. New vulnerabilities may be discovered at any time. Interactions between multiple protocols may create unforeseen risks. VIRTUS disclaims all liability for any loss arising from smart contract interaction.

5. Relationship Between Interface and Middleware​

5.1 Interface Is Optional​

Using blockchain systems, third-party wallets, validator nodes, or Middlewares does not require the Interface. Anyone with an internet connection and a compatible wallet can interact directly with Middlewares through blockchain explorers, command-line tools, direct RPC calls, or any other third-party front-end.

5.2 Transaction Lifecycle​

The Interface's sole role in the transaction lifecycle is to generate draft transaction messages. The full transaction process is: (1) User provides inputs through the Interface; (2) The Interface generates a draft transaction message; (3) The draft is delivered to the User's third-party wallet via standard APIs (e.g., WalletConnect, Coinbase Wallet SDK, Web3 provider injections); (4) The User independently reviews all transaction parameters in their wallet; (5) The User confirms the transaction parameters (recipient address, amount, gas fee, etc.); (6) The User signs the transaction with their private cryptographic key, which is stored exclusively in the User's wallet and is beyond the control of the Interface; (7) The User's wallet broadcasts the signed transaction to the blockchain network; (8) The User pays network fees (gas) to blockchain validators; (9) Blockchain validators process and confirm the transaction; (10) The transaction results are recorded immutably on the blockchain. VIRTUS participates only in step (2). All other steps are entirely outside VIRTUS's control, and VIRTUS bears no responsibility for their outcome.

5.3 Non-Custodial, Non-Agency, Non-Fiduciary​

VIRTUS is not and shall never be deemed a custodian, agent, broker, dealer, intermediary, fiduciary, trustee, advisor, money transmitter, money services business, or any other form of regulated financial intermediary. VIRTUS does not store, hold, access, control, or have any ability to access User tokens, funds, private keys, seed phrases, passwords, or accounts; does not perform, execute, sign, authorize, relay, or transmit transactions on behalf of Users; does not purchase, sell, trade, exchange, lend, borrow, stake, or otherwise handle any tokens or digital assets; does not earn any fees, commissions, spreads, or compensation from User transactions; does not collect any payment from Users for Interface access or use; and does not act on behalf of, represent, or owe any duty of loyalty, care, or good faith to any User.

5.4 Waiver of Fiduciary Claims​

To the fullest extent permitted by applicable law, you irrevocably and unconditionally disclaim, waive, release, and eliminate any and all fiduciary duties, obligations, or relationships that may exist or be claimed to exist between you and VIRTUS, whether arising under statute, common law, equity, or any other legal theory. You acknowledge this waiver is a material term without which VIRTUS would not make the Interface available.

5.5 No Transaction Fees​

VIRTUS does not collect any fees, commissions, or compensation from Users for access to or use of the Interface, transaction messages generated through the Interface, or interactions with Middlewares or blockchain networks. Users pay only blockchain network fees (gas) to validators and protocol fees (if any) programmed into Middleware smart contracts. Any fees collected by Middlewares are determined by the smart contract code itself and are not controlled by or paid to VIRTUS. VIRTUS does not receive any portion of blockchain or protocol fees and has no ability to reverse, cancel, or refund any amounts paid in error.

6. Eligibility​

You represent and warrant that you are of legal age in the jurisdiction in which you reside to use the Interface, Services, and interact with the Middlewares, and have full legal capacity to enter into and be bound by these Terms. If you are accessing the Interface on behalf of a legal entity, you represent that you have the authority to bind that entity to these Terms.

By utilizing the Services, you confirm that you have the legal capacity within your country to enter into contracts and subscribe to the Services. Your complete acceptance of these Terms is inferred. If you are unable to accept these Terms, either in full or in part, you must immediately cease using the Services.

You may not use the Services if applicable law prohibits your usage. You also cannot use the Services if you reside in a jurisdiction where digital token transactions are prohibited or restricted by law.

6.2 Restricted Territories​

The Services are absolutely unavailable to any person or entity that is a resident, citizen, national, agent, or is incorporated in, organized under the laws of, or has a registered office in:

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

Embargoed Regions: Crimea, Sevastopol, so-called Donetsk People's Republic, so-called Luhansk People's Republic, Abkhazia, South Ossetia.

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

High-Risk Jurisdictions: Angola, Burundi, Central African Republic, Democratic Republic of Congo, Ethiopia, Guinea, Guinea-Bissau, Haiti, Iraq, Lebanon, Liberia, Libya, Mali, Moldova, Montenegro, Nicaragua, Niger, Republic of Congo, Somalia, Somaliland, South Sudan, Sudan, Tunisia, Yemen.

Any other jurisdiction to which the United States, United Kingdom, European Union, United Nations, or Switzerland imposes embargoes, sanctions, or restricts financial transactions.

The use of VPNs, proxies, Tor, or any other software or networking method to alter your internet protocol address or bypass, or attempt to bypass, these restrictions is strictly prohibited and constitutes a material breach of these Terms.

We make no representations or warranties that the information, products, or services provided through the Services are suitable for access or use in jurisdictions outside our own. You are prohibited from accessing or using the Services in any jurisdiction or country if it violates the laws or regulations of that jurisdiction or if it would require VIRTUS to comply with the laws of, or any registration requirements of, such jurisdiction. We reserve the right to restrict the availability of the Services to any individual, geographic area, or jurisdiction, at any time and at our sole discretion.

6.3 Sanctions Compliance​

You represent and warrant that you are not, and do not directly or indirectly own (50% or more), control, or act on behalf of, any person or entity listed on any sanctions list maintained by OFAC (SDN List, Sectoral Sanctions), US Department of Commerce (Denied Persons List), US Department of State (Debarred Parties), EU Consolidated Financial Sanctions List, UK HM Treasury Sanctions List, UN Security Council Consolidated List, Swiss SECO Sanctions List, or any equivalent list of any jurisdiction.

You are not recognized as an individual who owned, controlled, or acted on behalf of persons listed on a Sanctions List, nor as an individual targeted by any sanctions laws, regulations, or embargoes imposed by the United Nations, United States, European Union, or similar governmental institutions. Additionally, your involvement must not breach any legal requirements, including anti-money laundering regulations. You will not access or use any of the Services to conduct, promote, or facilitate any illegal activities.

Restricted Persons: VIRTUS does not engage with digital wallets that have been previously categorized or identified by international organizations or any state and governmental authorities of any jurisdiction as belonging to or being associated with individuals specially designated or included in the Sanctions Lists ("Restricted Persons"). For the purposes of these Terms, Restricted Persons also encompass all individuals or entities residing in, citizens of, incorporated in, or having a registered office in the Restricted Territories.

6.4 Lawful Source of Funds​

You represent and warrant that all digital assets you use in connection with the Services have been obtained through lawful means and do not represent proceeds of money laundering, terrorist financing, corruption, fraud, theft, embezzlement, drug trafficking, sanctions violations, or any other criminal or illegal activity.

6.5 Technical Competence​

You represent and warrant that you possess all technical knowledge necessary to understand and evaluate the risks of using the Interface, interacting with blockchain networks and smart contracts, managing private keys and digital assets, and engaging with decentralized protocols and Middlewares.

You are solely responsible for complying with all relevant laws and regulations concerning your use or access to the Services. Your usage of the Services is prohibited if it violates any applicable laws or regulations or aids in illegal activities. We are not obligated to notify you of any potential legal liabilities or violations that may arise from your use of the Services, and we are not liable for any failure on your part to comply with applicable laws or regulations.

6.7 Ongoing Compliance​

You agree to immediately cease using the Services if you become subject to any sanctions or embargoes or become a resident or citizen of any Restricted Territory. You agree not to use any technology for the purposes of circumventing these Terms.

6.8 Third-Party Limitations​

The Services may incorporate Third-Party Services. Your usage and interaction with these Third-Party Services are subject to the terms and conditions set by the respective third-party providers. This includes but is not limited to their eligibility criteria, restrictions on specific territories, restricted persons, or any other eligibility-related terms. Consequently, your access to certain products and/or features of the Services may be restricted based on these third-party providers' terms. VIRTUS solely facilitates your engagement with these Third-Party Services and assumes no responsibility for any restrictions imposed by them. It is your responsibility to review and ensure compliance with the terms and conditions of these third-party providers.

6.9 Verification and Enforcement​

VIRTUS reserves the right to use blockchain analytics, geolocation tools, and third-party compliance services to monitor for sanctions compliance; to restrict, block, or terminate access at any time and for any reason; to require additional identity verification or KYC/KYB checks; and to take any action deemed necessary to protect the Services. However, due to the decentralized nature of blockchain networks, VIRTUS cannot prevent direct interaction with Middlewares through other means.

6.10 Consequences of Misrepresentation​

If any representation in this Section 6 is or becomes false, inaccurate, or misleading, you are in material breach of these Terms, your right to use the Services terminates immediately without notice, you may be subject to legal action by regulatory authorities, and you remain solely liable for all resulting damages and legal consequences.

7. Compliance Verification (KYC/KYB)​

7.1 You acknowledge that you may need to undergo Know Your Client (KYC) and Know Your Business (KYB) checks via a third-party provider to access specific products or features. Declining to provide requested information could lead to access limitations.

7.2 To maintain a secure and compliant environment, certain products or features accessible through the Services may require you to undergo a verification process. This process entails completing a KYC/KYB questionnaire ("KYC/KYB Checks") in accordance with applicable anti-money laundering, anti-terrorist financing, fraud prevention, and sanctions laws and regulations.

7.3 The KYC/KYB Checks may be delegated to a third-party provider at the sole discretion of VIRTUS. To complete these checks, you agree to promptly furnish all necessary information, including supporting documentation and other evidence, as reasonably requested by the third-party provider selected by VIRTUS. You are solely accountable for the accuracy and comprehensiveness of the information provided.

7.4 You recognize and comprehend that the outcome of the KYC/KYB Checks is solely determined by the third-party provider. Upon successfully passing these checks, you will gain access to the relevant products and/or features. However, if you decline or fail to provide the requested information as per the third-party provider's requirements, your access to the corresponding products and/or features may be limited.

7.5 You acknowledge that the extent of information requested as part of the KYC/KYB Checks may change over time. You may be required to provide additional documents and/or information at a later stage.

7.6 The data is collected to meet legal and regulatory requirements, ensuring the verification of your identity and legal eligibility. This data is securely stored and disclosed only when authorized by law. For further details on how your personal data is processed, please consult our Privacy Policy.

8. Third-Party Risk Assessment and Monitoring​

8.1 VIRTUS may utilize publicly accessible data and Third-Party Services to evaluate risks related to illicit or non-compliant activities, phishing attempts, or other potential threats. These risk assessment services may be offered by various third-party providers, including but not limited to: BlockAid, TRM Labs, Synaps, MetaMask, and MEW.

8.2 You acknowledge and consent to risk assessment using Third-Party Services to monitor wallet addresses and/or other content for non-compliant behavior based on publicly available information. VIRTUS retains the right to block or restrict access to wallet addresses associated with illicit activity. VIRTUS bears no responsibility for such assessments, restrictions, outcomes, or the accuracy of Third-Party Services.

8.3 VIRTUS retains the right, without obligation, to utilize publicly accessible information and enlist third-party providers to monitor and evaluate wallet addresses, third-party links, domain names, virtual currencies, smart contracts, and any other content accessible via the Services for risks associated with money laundering, terrorism financing, fraud, and/or any other illicit or non-compliant activities. No additional personal data is collected for such compliance assessments.

8.4 You acknowledge and understand that the outcomes of compliance assessments are solely determined by third-party providers. VIRTUS has no influence over or affiliation with these Third-Party Services, and therefore cannot be held responsible for the accuracy of the information or the services provided by such providers. These Third-Party Services are subject to their own respective terms of use, which you should carefully review.

8.5 VIRTUS retains the right, though is not obligated, to issue warnings to you accordingly. You acknowledge that VIRTUS bears no responsibility and shall not be held accountable for such assessments, restrictions, outcomes, or their accuracy. You are solely responsible for determining the applicability and suitability of such risk assessments.

Phishing Alerts​

8.6 Periodically, VIRTUS may issue phishing and other potential risk alerts via the Services. These alerts are solely for informational purposes, and we do not guarantee their accuracy, completeness, or reliability. You are solely responsible for determining the suitability and relevance of such alerts.

8.7 You acknowledge and agree that risk alerts are provided "as is," without any warranties or guarantees, and that you assume all associated risks. VIRTUS bears no responsibility and shall not be held liable for any claims, damages, or losses arising from or related to such alerts in any way.

9. Permitted Use​

9.1 Informational and Research Purposes Only​

The Interface is provided exclusively for informational, educational, and research purposes. It is designed for technically sophisticated persons capable of conducting independent research and due diligence, analyzing publicly available blockchain data, understanding decentralized protocols and Middlewares, and making fully informed, independent decisions.

9.2 Mandatory Independent Verification​

Before using any information from the Interface to engage in any transaction, you must independently verify the accuracy of all displayed information; confirm smart contract addresses against official sources; review all transaction parameters in your wallet; verify the current state of relevant networks and protocols; consult smart contract code on blockchain explorers; review official protocol documentation; and consult independent professional advisors (legal, financial, tax) as appropriate.

9.3 Absolute Non-Advice Disclaimer​

THE INTERFACE DOES NOT AND SHALL NEVER PROVIDE FINANCIAL, INVESTMENT, TRADING, TAX, LEGAL, REGULATORY, OR ANY OTHER FORM OF PROFESSIONAL ADVICE. No information, data, analytics, chart, statistic, APY, yield projection, or any other content displayed on the Interface constitutes advice, a recommendation, an endorsement, a solicitation, or an offer to buy, sell, hold, or trade any digital assets. All displayed information is for general informational purposes only and must never be the basis for any decision.

9.4 User Responsibility​

Each User is solely responsible for determining whether the Interface is suitable for their needs and risk tolerance; conducting all necessary due diligence before engaging in transactions; understanding and accepting all risks associated with blockchain and DeFi; complying with all applicable laws and regulations; paying all taxes associated with their digital asset activities; and maintaining the security of their wallets, private keys, and devices.

9.5 Right to Refuse Service​

VIRTUS reserves the right, at its sole discretion and without liability, to restrict or deny access to the Interface for any User or from any jurisdiction; modify, suspend, or discontinue any features or functionality of the Interface; block access from IP addresses associated with Restricted Territories or prohibited activities; and implement additional verification or compliance measures. However, due to the decentralized nature of blockchain networks, Users may still be able to interact directly with Middlewares through other means.

10. Prohibited Uses​

Each User must not, directly or indirectly, in connection with their use of the Interface:

10.1 Violation of Terms and Permitted Use​

  • a) Use the Interface for any purpose other than the Permitted Use as defined in Section 9;
  • b) Use the Interface at any time when any representation or warranty made by the User in these Terms is or becomes untrue, inaccurate, or misleading;
  • c) Fail to comply with any applicable provision of these Terms or any other terms, conditions, privacy policy, or other policy governing the use of the Interface;

10.2 Fraudulent or Deceptive Conduct​

  • a) Employ any device, scheme, or artifice to defraud, or otherwise materially mislead, any person or entity;
  • b) Engage in any act, practice, or course of business that operates or would operate as a fraud or deceit upon any person or entity;
  • c) Make any false, misleading, or deceptive statements or representations in connection with the Interface or blockchain transactions;
  • d) Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity;

10.3 Reliance and Advice​

  • a) Rely on the Interface as the sole or primary basis for or source of advice concerning any financial, investment, legal, tax, or business decision-making;
  • b) Represent or imply to others that the Interface provides financial advice, investment recommendations, or endorsements of any kind;

10.4 Market Manipulation and Trading Violations​

a) Engage in any activity that violates any applicable law, rule, or regulation concerning the integrity of trading markets, including but not limited to:

  • Spoofing: Submitting or canceling orders to create false or misleading market activity;

  • Wash trading: Engaging in transactions where the same person or coordinated parties are on both sides;

  • Front-running: Using non-public information about pending transactions for personal gain;

  • Pump and dump schemes: Artificially inflating token prices through misleading statements;

  • Layering: Placing multiple orders at different price levels to manipulate order books;

  • Insider trading: Trading based on material non-public information.

  • b) Manipulate or attempt to manipulate the price, liquidity, or market for any digital asset;

  • c) Engage in coordinated trading activities designed to manipulate markets or deceive other users;

10.5 Unauthorized Securities and Commodities Transactions​

a) Use the Interface to transact in or facilitate transactions involving:

  • Securities (stocks, bonds, investment contracts) unless in full compliance with applicable securities laws;
  • Commodities futures or derivatives unless in compliance with commodities regulations;
  • Trading of commodities on a leveraged, margined, or financed basis in violation of applicable law;
  • Binary options or prediction market transactions that constitute illegal gambling;
  • Real estate or real estate leases structured as securities;
  • Equipment leases structured as investment contracts;
  • Debt financings or equity financings that violate securities laws;
  • Any other financial instruments that require regulatory authorization you do not possess.

b) Engage in token-based or other financings of a business, enterprise, venture, DAO, software development project, or other initiative that violates securities laws, including but not limited to:

  • Initial Coin Offerings (ICOs);
  • Decentralized Autonomous ICOs (DAICOs);
  • Initial Exchange Offerings (IEOs);
  • Security Token Offerings (STOs);
  • Any other token-based fundraising events that constitute unregistered securities offerings.

10.6 Sanctions and Export Control Violations​

a) Engage in any act, practice, or course of business that operates to circumvent, violate, or facilitate the violation of any sanctions, embargoes, or export controls, including but not limited to:

  • Transacting with persons or entities on any Sanctions Lists;

  • Transacting with persons or entities located in Restricted Territories;

  • Using VPNs, proxies, or other tools to disguise your location or circumvent geographic restrictions;

  • Facilitating transactions on behalf of sanctioned persons or entities;

  • b) Engage in any transaction involving digital assets that originated from or are destined for Restricted Territories or Sanctions List Persons;

10.7 Illegal Activity and Proceeds of Crime​

a) Use the Interface to transmit, exchange, or otherwise deal with assets that are the direct or indirect proceeds of:

  • Money laundering;

  • Terrorist financing;

  • Drug trafficking or narcotics violations;

  • Human trafficking or exploitation;

  • Fraud, theft, embezzlement, or misappropriation;

  • Cybercrime (hacking, ransomware, extortion);

  • Tax evasion or other financial crimes;

  • Any other criminal or fraudulent activity.

  • b) Use the Interface to facilitate, support, or conceal any illegal activity;

  • c) Engage in transactions designed to obscure the source, ownership, or destination of assets obtained through illegal means;

10.8 Technical Attacks and Security Violations​

a) Engage in, attempt, or assist in any hack, attack, or exploitation of the Interface, Middlewares, blockchain networks, wallet applications, or devices, including but not limited to:

  • Sybil attacks: Creating multiple fake identities to gain disproportionate influence;

  • Denial-of-Service (DoS) or Distributed Denial-of-Service (DDoS) attacks: Overwhelming systems with traffic;

  • Griefing attacks: Actions designed to harm others without corresponding benefit;

  • 51% attacks: Attempting to control a majority of blockchain network hashpower;

  • Flash loan attacks: Exploiting smart contract vulnerabilities using uncollateralized loans;

  • Reentrancy attacks: Exploiting smart contract code to repeatedly withdraw funds;

  • Front-running attacks: Monitoring pending transactions and placing your own first;

  • b) Deploy or transmit viruses, malware, ransomware, trojans, worms, or other harmful code;

  • c) Attempt to gain unauthorized access to the Interface, its systems, servers, networks, or user data;

  • d) Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Interface (except as permitted by applicable law);

  • e) Circumvent or disable any security features, access controls, rate limits, or protective measures;

  • f) Use automated tools (bots, scrapers, crawlers) to access or interact with the Interface without authorization;

10.9 Intellectual Property Violations​

  • a) Engage in any activity that infringes upon or violates any copyright, trademark, service mark, patent, trade secret, right of publicity, right of privacy, or other proprietary or intellectual property rights under any law;
  • b) Copy, reproduce, distribute, modify, or create derivative works based on the Interface or its content without authorization;
  • c) Use any trademarks, logos, or branding associated with the Interface without permission;
  • d) Remove, obscure, or alter any copyright notices, trademarks, or proprietary rights notices;

10.10 Geographic and IP Address Manipulation​

  • a) Engage in any activity that disguises, interferes with, or obscures the IP address of a computer or device used to access the Interface;
  • b) Use VPNs, proxies, Tor, or other tools to prevent the correct identification of your geographic location or IP address, particularly to circumvent geographic restrictions, access the Interface from Restricted Territories, or evade sanctions or compliance measures;
  • c) Provide false or misleading information about your location, residency, or citizenship;

10.11 Network Integrity and Spam​

  • a) Transmit spam, chain letters, or unsolicited mass communications through or using the Interface;
  • b) Engage in phishing, social engineering, or other deceptive practices to obtain sensitive information;
  • c) Overload or interfere with the proper functioning of the Interface or connected networks;
  • d) Introduce or propagate any content that disrupts the Interface or user experience;

10.12 Harmful Activities​

  • a) Disabling, damaging, degrading, or obstructing the functionality of the Services or impeding others from utilizing the Services;
  • b) Exploiting or endangering minors through inappropriate content or actions;
  • c) Infringing upon the rights of others or participating in illegal, threatening, fraudulent, or harmful activities;
  • d) Attempting to access the source code of the Services, reverse engineering, decompiling, or creating derivative works;
  • e) Implementing disruptive elements like viruses or malware;

10.13 Commercial Misuse​

  • a) Reselling, redistributing, or sublicensing access to the Interface;
  • b) Using the Interface for commercial purposes without authorization;
  • c) Creating derivative works based on the Interface without permission;
  • a) Violate any applicable local, state, national, or international law, statute, ordinance, rule, or regulation;
  • b) Violate any court order, arbitration award, or regulatory directive applicable to you;
  • c) Engage in any activity that requires a license, registration, or authorization that you do not possess;
  • d) Facilitate or assist others in violating any laws or regulations;

10.15 Assisting Prohibited Activities​

  • a) Contribute to, facilitate, assist, encourage, or enable any other person or entity to engage in any of the prohibited activities listed in this Section 10;
  • b) Provide tools, services, or information designed to help others circumvent these prohibitions;
  • c) Knowingly transact with persons or entities engaged in prohibited activities;

10.16 Consequences of Violation​

Any violation of this Section 10 constitutes a material breach of these Terms and may result in immediate termination of your access to the Interface, legal action to recover damages or seek injunctive relief, cooperation with investigations or legal proceedings, and permanent ban from accessing the Interface. You remain solely liable for any damages, losses, or legal consequences resulting from your prohibited use of the Interface.

10.17 No Obligation to Monitor​

VIRTUS has no obligation to monitor User activity or enforce these prohibitions. However, VIRTUS reserves the right to investigate suspected violations, implement technical measures to prevent or detect prohibited activities, and take any action deemed necessary to protect the Interface and its users.

The decentralized nature of blockchain networks means that Users may still be able to interact with Middlewares through other means, even if access to the Interface is terminated.

11. Third-Party Service Aggregation​

11.1 The Services give you the option to filter, include, or exclude third-party services. The Service solely serves as an intermediary aggregation platform for Third-Party Services, transmitting your requests to these entities.

11.2 It is expressly your responsibility to evaluate and select Third-Party Services for the relevant Service operation. VIRTUS cannot be held liable for losses stemming from Third-Party Service operations.

11.3 VIRTUS does not endorse, recommend, verify, or assume any responsibility for any third-party resources, products, services, content, or promotions; has not conducted due diligence, security audits, or background checks on third parties; and makes no representations or warranties regarding the safety, legality, functionality, or suitability of third-party offerings.

11.4 If you access, use, rely on, or interact with any third-party resources, products, services, content, or promotions, you do so entirely at your own risk. Each User hereby expressly, irrevocably, and unconditionally waives and releases VIRTUS from all liability, claims, demands, damages, losses, costs, and expenses arising from or related to any third-party resources, services, or conduct.

12. Comprehensive Risk Disclosures​

YOU ACKNOWLEDGE, UNDERSTAND, AND UNCONDITIONALLY ACCEPT EACH OF THE FOLLOWING RISKS. VIRTUS SHALL BEAR NO LIABILITY, OBLIGATION, OR RESPONSIBILITY FOR ANY OF THESE RISKS OR THEIR CONSEQUENCES.

By utilizing the Services, you accept the economic and technical risks associated with blockchain technology and cryptocurrencies, understanding that cryptocurrencies are built on evolving blockchain technology that may experience failures, bugs, disruptions, or changes; the Services, blockchains, underlying technologies, or third parties may be exposed to cyber threats and attacks; cryptocurrencies lack central bank backing and legal tender status, subject to varying legal frameworks; the accuracy, full or correct functioning, or timeliness of the Services or the underlying technologies or third parties is not guaranteed; cryptocurrencies may encounter regulatory restrictions, affecting their value; and cryptocurrencies' value is vulnerable to market fluctuations and risks of fraudulent activities.

If you are in disagreement with these Terms, you must refrain from using the Services. By using the Services, you acknowledge and accept all associated risks. You also explicitly waive and discharge VIRTUS from any liability, claims, actions, or damages arising from or connected to your use of the Services.

12.1 No Business Model — Discontinuation Risk​

The Interface has no revenue model, business plan, or guaranteed funding. VIRTUS may discontinue, suspend, or permanently terminate the Interface at any time, for any reason, without prior notice, obligation, or liability. You have no right to demand continued availability. VIRTUS has no obligation to ensure the Interface is a complete or comprehensive source of information about Middlewares or blockchain systems.

12.2 No Regulatory Protections​

You acknowledge that the Services involve decentralized, permissionless blockchain technology. You do not benefit from regulatory protections, deposit insurance, compensation schemes, or governmental oversight of any kind. No governmental or financial regulatory authority has approved, reviewed, or endorsed the Middlewares, blockchain networks, or any associated technology. You are solely responsible for determining whether your use of the Services complies with the laws of your jurisdiction.

12.3 Regulatory Uncertainty​

Blockchain technology and DeFi are subject to rapidly evolving and uncertain legal and regulatory frameworks that vary across jurisdictions. Future regulatory actions — including investigations, enforcement actions, new legislation, or prohibitions — may adversely impact Middlewares, tokens, blockchain networks, and the Interface; may restrict or prohibit your activities; may render tokens illiquid, worthless, or illegal; and may subject you to fines, penalties, or criminal prosecution. VIRTUS assumes no liability for regulatory developments and has no obligation to inform you of regulatory changes.

12.4 Cryptographic and Quantum Computing Risks​

Current cryptographic algorithms may be weakened or broken by advances in cryptanalysis, mathematics, or quantum computing. Such developments could compromise blockchain security, enabling unauthorized access to or theft of digital assets, rendering private keys insecure, and causing total loss of funds. VIRTUS makes no guarantees regarding the durability of cryptographic protections and has no ability to mitigate these risks.

12.5 Fork Risks​

Blockchain networks and Middlewares may undergo forks (soft or hard), potentially resulting in competing chains, duplicated or incompatible tokens, loss of value, and community fragmentation. VIRTUS cannot anticipate, prevent, control, or influence forks; has no obligation to notify you of forks; and will respond to forks in its sole discretion. VIRTUS bears no liability for any loss resulting from fork-related events, decisions, or inaction. Each User assumes full responsibility to independently remain informed about possible, pending, or completed forks and to take appropriate actions to protect their interests.

12.6 Third-Party Dependency Risks​

All blockchain interaction depends on third-party infrastructure (wallets, nodes, APIs, RPC providers, internet infrastructure). Failure, outage, vulnerability, or discontinuation of any dependency may prevent access to the Interface, your assets, or blockchain networks. VIRTUS has no control over and no liability for third-party failures.

12.7 Smart Contract Risks​

All smart contracts carry inherent, unavoidable risks including undiscovered bugs and vulnerabilities, exploitation by malicious actors, unexpected behavior, and permanent loss of funds. While deployed bytecode corresponds to audited source code, no audit guarantees the absence of vulnerabilities or absolute security. New vulnerabilities may be discovered at any time. Interactions between multiple protocols may create unforeseen risks. VIRTUS disclaims all liability for losses arising from smart contract interaction.

12.8 Market and Volatility Risks​

Digital asset prices are extremely volatile. You may experience significant or total loss of value. Markets may become illiquid. Market manipulation, front-running, and other abuses may occur. Past performance does not indicate future results.

12.9 User Error Risks​

Blockchain transactions are irreversible. Sending tokens to incorrect addresses, approving malicious contracts, misconfiguring transactions, or losing private keys results in permanent, irrecoverable loss. There is no "undo" mechanism and no party — including VIRTUS — can reverse or correct User errors.

12.10 Tax Risks​

Tax consequences of digital asset activities are uncertain, complex, and jurisdiction-dependent. VIRTUS provides no tax advice, guidance, reporting, or assistance. You are solely responsible for all tax compliance, reporting, and payment obligations.

12.11 Token Identification Risks​

Multiple smart contracts may share identical token names or symbols. Token names and symbols are not unique identifiers. Fraudulent "copycat" tokens are common. You must examine the specific smart contract address associated with any token and verify the contract address against official sources before any interaction. Failure to verify token contracts can result in sending funds to the wrong contract (permanent loss), purchasing worthless or fraudulent tokens, approving malicious contracts to access your wallet, and total loss of funds with no recourse. VIRTUS bears no liability for losses caused by interaction with incorrect, fraudulent, or malicious token contracts.

13. Disclaimer of Warranties​

13.1 THE SERVICES ARE PROVIDED ON A STRICT "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. You acknowledge and consent that your use of the Services is at your own risk.

13.2 VIRTUS EXPRESSLY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO TITLE, NON-INFRINGEMENT, MERCHANTABILITY, USABILITY, SECURITY, SUITABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, WORKMANSHIP, TECHNICAL CODING, OR ABSENCE OF DEFECTS, WHETHER LATENT OR PATENT.

13.3 VIRTUS DOES NOT ASSERT OR GUARANTEE THAT THE SERVICES, CODE, OR ANY RELATED INFORMATION IS ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. VIRTUS DOES NOT WARRANT THAT THE SERVICES WILL BE AVAILABLE, TIMELY, SECURE, OR FREE FROM ERRORS, BUGS, VIRUSES, OR HARMFUL COMPONENTS.

13.4 NO ADVICE, INFORMATION, OR STATEMENT PROVIDED BY VIRTUS — WHETHER ORAL, WRITTEN, OR DISPLAYED ON THE INTERFACE — SHALL BE CONSTRUED AS CREATING ANY WARRANTY REGARDING THE SERVICES.

13.5 VIRTUS DOES NOT ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY ADVERTISEMENTS, OFFERS, OR STATEMENTS MADE BY THIRD PARTIES REGARDING THE SERVICES.

13.6 VIRTUS IS NOT RESPONSIBLE FOR TRANSFERRING, PROTECTING, SAFEGUARDING, OR MAINTAINING YOUR PRIVATE KEYS OR ANY VIRTUAL CURRENCY ASSOCIATED WITH THEM. IF YOU LOSE, MISHANDLE, OR HAVE YOUR PRIVATE KEYS STOLEN, RECOVERY OF THE ASSOCIATED VIRTUAL CURRENCY MAY NOT BE POSSIBLE, AND VIRTUS IS NOT LIABLE FOR SUCH LOSS. VIRTUS DOES NOT POSSESS ACCESS TO YOUR PRIVATE KEY AND CANNOT INITIATE INTERACTIONS WITH YOUR VIRTUAL CURRENCY OR ACCESS IT IN ANY WAY. VIRTUS BEARS NO RESPONSIBILITY FOR ANY ACTIVITIES YOU UNDERTAKE WHILE USING YOUR WALLET OR THE SERVICES.

13.7 EXCEPT FOR THE TERMS OUTLINED HEREIN, THE INFORMATION ON THE WEBSITE SHOULD NOT BE CONSTRUED AS CONTRACTUAL INFORMATION. NOTHING ON THE WEBSITE CONSTITUTES AN OFFER, INVITATION, OR SOLICITATION TO BUY OR SELL, NOR AN OFFERING OF CRYPTOCURRENCIES. THE GITHUB REPOSITORY, DECENTRALIZED AND AUTONOMOUS PROTOCOL AND ENVIRONMENT, AND ASSOCIATED DECENTRALIZED NETWORKS ARE BEYOND VIRTUS'S CONTROL.

13.8 THE INFORMATION AVAILABLE ON THE WEBSITE SERVES PURELY INFORMATIONAL PURPOSES. WHILE VIRTUS ENDEAVORS TO FURNISH COMPREHENSIVE, ACCURATE, RELIABLE, AND UP-TO-DATE INFORMATION, IT DOES NOT GUARANTEE THE ULTIMATE COMPLETENESS, ACCURACY, CORRECTNESS, OR SUITABILITY OF SUCH INFORMATION FOR YOUR SPECIFIC SITUATION AT THE TIME OF ACCESS.

13.9 INFORMATION SHOWN ON THE SERVICES, INCLUDING PRICES, LIQUIDITY, AND STAKING DETAILS, IS SOURCED FROM THIRD PARTIES OR CALCULATED FOR INFORMATIONAL PURPOSES ONLY. VIRTUS OFFERS NO WARRANTIES FOR SUCH INFORMATION, WHETHER LIVE OR HISTORICAL DATA. YOU SHOULD VERIFY ALL INFORMATION BEFORE RELYING ON IT.

13.10 VIRTUS DOES NOT WARRANT UNINTERRUPTED, TIMELY, OR ERROR-FREE ACCESS AND USE OF THE SERVICES, NOR DOES IT GUARANTEE PROTECTION AGAINST DEFECTS, MALFUNCTIONS, VIRUSES, MALICIOUS CODE, OR OTHER HARMFUL ELEMENTS.

14. Limitation of Liability​

14.1 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VIRTUS AND ITS AFFILIATES, SERVICE PROVIDERS, OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, JOINT VENTURES, EMPLOYEES, AND REPRESENTATIVES (COLLECTIVELY, "RELEASED PARTIES") SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, INTANGIBLE, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES OR LOSSES INCLUDING BUT NOT LIMITED TO:

(a) LOSS OF PROFIT, REVENUE, INCOME, OR ANTICIPATED SAVINGS;

(b) COMMERCIAL DISRUPTION OR BUSINESS INTERRUPTION;

(c) LOSS OF GOODWILL OR REPUTATION;

(d) LOSS OR BREACH OF DATA OR ANY OTHER INTANGIBLE PROPERTY;

(e) COST OF SUBSTITUTE GOODS OR SERVICES;

ARISING OUT OF OR RELATING TO ACCESS, USAGE, INABILITY OR DELAY OF ACCESS, MAINTENANCE, PERFORMANCE OR LACK OF PERFORMANCE OF THE SERVICES EITHER DIRECTLY, THROUGH APIs, OR THROUGH THIRD PARTIES IN ANY CAPACITY, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

14.2 WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY OF:

(i) ANY LOSS OR DAMAGE RESULTING FROM HACKING, BREACH, OR UNAUTHORIZED ACCESS OF THE SERVICES;

(ii) INACCURACIES, ERRORS, OR MISTAKES OF ANY SORT OF ANY DATA OR CONTENT OF THE SERVICES;

(iii) INTERRUPTION, DELAY, OR NOT FUNCTIONING OF THE SERVICES OR LOSS OF ACCESS;

(iv) BREACH OR UNAUTHORIZED ACCESS OR USE OF ANY SERVER OR DATABASE IN OUR CONTROL, OR THE USE OR LEAK OF ANY INFORMATION OR DATA STORED THEREIN;

(v) PERSONAL INJURY OR PROPERTY DAMAGE IN ANY CAPACITY RESULTING FROM OR RELATED TO ACCESS OR USE OF THE SERVICES;

(vi) BUGS, VIRUSES, OR ANY KIND OF MALICIOUS CODE OR DATA THAT CAN BE EXTERNAL AND UNRELATED TO THE SERVICES OR MIGHT BE TRANSMITTED THROUGH THE SERVICES;

(vii) ERRORS, OMISSIONS, OR ANY MALICIOUS OR ILLEGAL CONDUCT OF ANY THIRD PARTY;

(viii) REGULATIONS OR CHANGE OF REGULATIONS OF ANY JURISDICTION;

(ix) FORCE MAJEURE EVENTS.

14.3 THIS LIMITATION OF LIABILITY APPLIES REGARDLESS OF WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION, NEGLIGENCE, OR ANY OTHER LEGAL THEORY OR BASIS, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND WHETHER THE ALLEGED LIABILITY ARISES DURING OR AFTER THE TERMINATION OF THESE TERMS.

14.4 AGGREGATE LIABILITY CAP. IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF ALL RELEASED PARTIES EXCEED FIVE US DOLLARS ($5.00 USD).

14.5 YOU ACKNOWLEDGE THAT THESE LIMITATIONS ARE AN ESSENTIAL BASIS OF THE BARGAIN AND THAT VIRTUS WOULD NOT PROVIDE THE SERVICES WITHOUT THEM.

15. Indemnification​

15.1 You agree to indemnify, defend, compensate, reimburse, and hold harmless VIRTUS and its affiliates, subsidiaries, officers, directors, managers, employees, agents, joint ventures, representatives, service providers, suppliers, and contractors from and against any and all claims, demands, actions, proceedings, losses, damages (whether actual or consequential), liabilities, judgments, settlements, fines, penalties, costs, and expenses (including legal fees and expenses) arising from any claims or demands out of or related to:

(a) Your breach of this agreement;

(b) Your access to, use of, or conduct in connection with the Services;

(c) Your interaction with any Middleware, smart contract, or blockchain network;

(d) Your violation of any applicable law, rule, protocol, or regulation;

(e) Your infringement of the rights of any third party;

(f) Your negligence, recklessness, fraud, misrepresentation, or intentional misconduct;

(g) Any claims by third parties arising from your actions or omissions;

(h) Any regulatory or governmental action triggered by your activities.

15.2 VIRTUS may assume exclusive control of the defense at your expense. You may not settle any claim without VIRTUS's prior written consent. You shall fully cooperate in the defense of any indemnified claim.

15.3 This indemnification obligation survives termination of these Terms indefinitely.

16. Non-Reliance​

16.1 You represent, warrant, and acknowledge that you are knowledgeable, experienced, and sophisticated in evaluating blockchain technology, smart contracts, digital assets, and decentralized protocols; have conducted your own thorough, independent investigation and analysis of the Services, Middlewares, Protocols, and all associated risks; have independently verified all information material to your decision to use the Services; and have made your own independent judgment based on your own research, not on any statement by VIRTUS.

16.2 You have NOT relied upon any information, statement, omission, representation, warranty, promise, assurance, projection, forecast, or communication — whether express or implied, written or oral — made by or on behalf of VIRTUS, except as expressly stated in these Terms.

16.3 You waive, to the fullest extent permitted by law, any and all claims based on reliance, estoppel, detrimental reliance, misrepresentation, negligent misstatement, or failure to disclose — in connection with any matter relating to the Services or these Terms.

16.4 You acknowledge this non-reliance provision is a material inducement without which VIRTUS would not make the Services available.

17. Interface Access and Intellectual Property​

17.1 Access Rights​

Your access to the Interface is limited, personal, revocable, non-exclusive, non-transferable, and non-sublicensable. You may access and use the Interface solely for Permitted Uses as defined in Section 9. VIRTUS reserves the right to restrict, suspend, or terminate your access at any time, for any reason, without notice or liability.

17.2 Restrictions​

You may not modify, adapt, reverse engineer, decompile, or create derivative works from the Interface; use it for unauthorized commercial purposes or redistribution; use bots, scrapers, or automated tools without express permission; mirror, frame, or embed the Interface; or misrepresent the Interface as your creation.

17.3 Revocation​

Your access may be revoked at any time, for any reason, without notice. Access terminates immediately upon any breach of these Terms.

17.4 Interface vs. Middleware Distinction​

These access rights apply only to the Interface (front-end application). The Middlewares and VIRTUS Smart Contract Protocols are open-source software on public blockchains, governed by their respective open-source licenses, not by this Section. Termination of your Interface access does not affect your ability to interact directly with Middlewares through other means.

17.5 Intellectual Property​

VIRTUS retains all right, title, and interest in the Interface, its design, branding, trademarks, and original content. Any feedback, suggestions, or ideas you submit grant VIRTUS a worldwide, perpetual, irrevocable, royalty-free, transferable, sublicensable license to use, reproduce, modify, and distribute such content for any purpose. Third-party intellectual property displayed on the Interface belongs to its respective owners and its display does not imply endorsement or affiliation.

17.6 DMCA Complaints​

Copyright infringement notices may be submitted to VIRTUSplatform@proton.me.

18. Privacy​

18.1 Information Collected​

VIRTUS may collect blockchain-related data (wallet addresses, transaction hashes, token balances from public blockchains), technical data (IP addresses, geolocation, browser type, device information, navigation data), wallet connection data, and communications you send us. VIRTUS does not collect private keys, seed phrases, wallet passwords, personal identification documents, or financial account information.

18.2 Purposes​

Collected information is used for compliance and security (geo-restriction enforcement, sanctions screening, fraud prevention), operations (maintaining and improving the Interface), analytics, and responding to communications.

18.3 Disclosure​

VIRTUS may disclose information to third-party service providers, law enforcement and regulatory authorities (including without prior notice when investigating prohibited activities or responding to legal process), blockchain compliance providers (Chainalysis, Elliptic, TRM Labs, etc.), and in connection with business transfers. Aggregate or anonymized data may be shared without restriction.

18.4 No Confidentiality Obligation​

Except as required by applicable data protection law (GDPR, CCPA, etc.), VIRTUS has no obligation of confidentiality regarding collected information. VIRTUS prioritizes legal compliance and safety over confidentiality expectations.

18.5 Blockchain Transparency​

Blockchain transactions are publicly visible and permanently recorded. Your activity is pseudonymous but not anonymous. Sophisticated analysis can link blockchain addresses to real-world identities. This public data is not controlled by VIRTUS and cannot be deleted.

18.6 Data Security​

VIRTUS implements reasonable security measures but cannot guarantee absolute security. No method of transmission or storage is completely secure. You provide information at your own risk. VIRTUS is not liable for any data breach or unauthorized access.

18.7 User Rights (GDPR/CCPA)​

Where applicable, you may exercise rights to access, rectify, erase, restrict, port, or object to the processing of your personal information by contacting VIRTUSplatform@proton.me. These rights may be limited by legal obligations, particularly blockchain data retention and compliance records.

18.8 Age Restriction​

The Services are strictly restricted to persons who are of legal age in their jurisdiction of residence and in no event under the age of 18. By accessing or using the Services, you represent and warrant that you meet this age requirement. VIRTUS does not knowingly collect information from persons under 18. If VIRTUS becomes aware that a person under 18 has accessed the Services or provided information, such information may be deleted without notice. VIRTUS bears no liability for any loss, damage, or consequence arising from access to or use of the Services by persons under 18, and any such access is a material breach of these Terms. Parents and legal guardians are solely responsible for monitoring and preventing unauthorized access by minors.

Full Privacy Policy: https://docs.virtus-protocol.com/docs/Legal/Privacy-Policy

19. Assumption of All Risks​

BY USING THE SERVICES, YOU EXPRESSLY, VOLUNTARILY, KNOWINGLY, AND UNCONDITIONALLY ASSUME ALL RISKS associated with blockchain technology and decentralized systems, smart contracts and their potential vulnerabilities, digital assets and their extreme volatility, cryptographic security and potential failures, third-party dependencies and infrastructure, regulatory uncertainty and evolving legal frameworks, forks, protocol changes, and network failures, user error and irreversible transactions, market manipulation and illiquidity, tax consequences and compliance obligations, token identification errors and fraudulent contracts, and all other risks described in these Terms or inherent to the blockchain ecosystem.

You acknowledge that you may lose some or all of any value you commit to blockchain systems or Middlewares, and you accept this risk unconditionally and without recourse against VIRTUS.

20. General Provisions​

20.1 Entire Agreement​

These Terms, together with the Privacy Policy and any documents expressly incorporated by reference, constitute the entire, complete, and exclusive agreement between you and VIRTUS. They supersede all prior and contemporaneous agreements, negotiations, representations, and communications — whether written, oral, or implied — including any previous versions of these Terms, marketing materials, blog posts, social media statements, whitepapers, or presentations.

20.2 Jurisdictional Disclaimer​

VIRTUS Protocol exists as decentralized, open-source software deployed on public blockchain networks. The Protocol does not maintain a physical presence, or place of business in any jurisdiction. The Interface is operated on a remote, decentralized basis and does not constitute "doing business" in any jurisdiction. Accessibility of the Interface from any jurisdiction does not give rise to general or specific personal jurisdiction over VIRTUS in any forum, does not create any legal presence, nexus, or permanent establishment in any jurisdiction, and does not subject VIRTUS to the laws, regulations, or registration requirements of any jurisdiction. You are solely responsible for determining whether your access to and use of the Services complies with the laws applicable in your jurisdiction. VIRTUS makes no representations that the Services are appropriate, lawful, or available for use in any particular jurisdiction.

20.3 Amendments​

VIRTUS may modify these Terms at any time by posting the updated version to the Services. Continued use after the effective date constitutes acceptance. It is your sole responsibility to review the Terms regularly. The current version is always available at https://docs.virtus-protocol.com/docs/Legal/Terms-of-Service.

20.4 Severability​

If any provision is found invalid or unenforceable, it shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is impossible, without affecting the remaining provisions. However, if the arbitration agreement, limitation of liability, indemnification, non-reliance, or disclaimer of warranties provisions are found unenforceable and cannot be modified, VIRTUS may deem these Terms void in their entirety.

20.5 Waiver​

The failure of VIRTUS to enforce any provision of these Terms, or to exercise any right or remedy, does not constitute a waiver of that provision, right, or remedy. Any waiver by VIRTUS must be in writing and is limited to the specific instance identified. No waiver by VIRTUS of any breach shall constitute a waiver of any subsequent breach.

20.6 Assignment​

You may not assign, transfer, delegate, or sublicense any of your rights or obligations under these Terms without the prior written consent of VIRTUS. Any attempted assignment by you in violation of this provision is void. VIRTUS may freely assign, transfer, or delegate its rights and obligations under these Terms without your consent, including in connection with a merger, acquisition, reorganization, or sale of assets.

20.7 No Third-Party Beneficiaries​

Except for Released Parties regarding indemnification, these Terms create no third-party beneficiary rights.

20.8 Force Majeure​

VIRTUS shall not be liable for any failure or delay caused by events beyond its reasonable control, including acts of God, natural disasters, pandemics, war, terrorism, civil unrest, government actions, sanctions, blockchain network failures, forks, cyberattacks, internet or telecommunications failures, or third-party service failures.

20.9 No Contra Proferentem​

You acknowledge that you have had the opportunity to review and seek legal advice regarding these Terms. Ambiguities shall not be construed against VIRTUS as the drafter.

20.10 Electronic Agreement​

Your use of the Services constitutes legally binding electronic acceptance. You waive any right to require non-electronic signatures and consent to electronic records and communications.

20.11 Language​

These Terms are drafted in English. In the event of conflict between the English version and any translation, the English version governs.

20.12 Survival​

The following provisions survive termination: Sections 2 (Arbitration), 5.4 (Fiduciary Waiver), 12 (Risk Disclosures), 13 (Disclaimer of Warranties), 14 (Limitation of Liability), 15 (Indemnification), 16 (Non-Reliance), 17.5 (Intellectual Property), 18 (Privacy — data retention obligations), 19 (Assumption of Risk), and 20 (General Provisions).

20.13 Contact​

Email: VIRTUSplatform@proton.me

© 2026 VIRTUS Protocol. All rights reserved.