Updated and effective: September 1, 2025
These Terms of Use ("Terms") govern your interactions with products and services provided by Twyne Association, a not-for-profit entity established in Switzerland (the "Association", "we" or "us").
Scope. Specifically, these Term govern:
- the website accessible at twyne.xyz ("Website")
- the interface accessible at app.twyne.xyz ("Interface");
- all services, contents, tools, features, and functionalities offered on or through any of the foregoing (collectively, the "Service"), including, your access through the Interface to Twyne Protocol and the associated technology stack ("Twyne Protocol").
DISCLAIMER
For the avoidance of doubt, the Website and Interface are developed, owned and provided by the Association, while access to the Twyne Protocol is merely facilitated through the Interface. The Association does not operate or control the Twyne Protocol, which, upon its on-chain deployment, became a standalone and immutable technological system. Moreover, the Association is not involved in the development or operation of the protocols with which Twyne Protocol interacts, including lending protocols ("Lending Protocols") and the underlying blockchain networks ("Networks").
The Twyne Protocol is composed of autonomous smart contracts operating independently of the Association. The Association disclaims any responsibility or liability for use of the Twyne Protocol, Lending Protocols and Networks.
The Twyne Protocol may also be accessed through other means not provided, maintained, or controlled by the Association. Any such alternative access is outside the scope of these Terms. Please refer to Section V below for additional disclaimers.
You as User. For purpose of these Terms, "User", "you" or "your" means you as a user of the Service. If you are entering into these Terms on behalf of a legal entity, you represent that you have the authority to bind such entity to these Terms, these shall refer to such entity. If you do not have such authority, you must not accept these Terms and may not use the Service.
Legally Binding. These Terms form a legally binding agreement between you and us. By accessing or using the Service, you confirm that you accept these Terms and agree to comply with them. If you do not agree, you must cease using the Service immediately.
Amendments. We reserve the right to modify, amend, or update these Terms at our sole discretion. Modifications to these Terms are effective immediately upon posting (accompanied by an update of the "Last Revised" date at the top of the Terms) but only prospectively. We will use commercially reasonable efforts to notify you of any material changes. Your continued use of the Service after the date any such changes become effective constitutes your acceptance of the new Terms. If any modification is found to be unenforceable, it will be applied within the bounds of enforceability without affecting other provisions.
Ancillary Terms. Your use of the Services is also subject to any other terms we may provide or include by reference, such as our Risk Disclosures and Privacy Policy. Please review these documents carefully.
The Association operates out of Switzerland in compliance with applicable Swiss regulations. It acts solely as a software provider and does not itself engage in the provision of any services relating to digital assets or financial instruments. This includes, but is not limited to, custody of digital assets, safekeeping of private keys, matching or settlement of user-initiated transactions, or acting as a counterparty, intermediary, or broker in relation to any transactions.
As such, the Association is not registered with any financial regulatory authority in Switzerland or in any other jurisdiction.
You access and interact with the Service at your own discretion and risk, acknowledging that the regulatory landscape applicable to digital assets and related activities may evolve. Any such changes may occur independently of the Association's involvement.
The Website is intended solely for educational and informational purposes. It provides general information about Twyne Protocol, its functionality, and related topics such as decentralized finance (DeFi), blockchain networks, and digital asset technologies. While the Website may explain how users can interact with the Twyne Protocol using compatible tools, such as the Interface and User Wallets, it does not offer, promote, or facilitate any services, transactions, or direct interactions with the Twyne Protocol, whether financial in nature or not. The content presented does not constitute financial, legal, investment, or other professional advice.
The Website does not allow users to interact directly with the Twyne Protocol or execute any transactions. Instead, it provides non-executable resources such as explanatory content, technical documentation, and educational materials to help users understand the architecture, use cases, and risks associated with decentralized technologies.
The Association does not guarantee the completeness, accuracy, or timeliness of any content published on the Website and reserves the right to modify, update, or remove content at its discretion without prior notice.
The Interface is a graphical user interface that provides an easy way to access and interact with blockchain-based services, specifically it allows you to interact with Twyne Protocol via a compatible web browser.
To interact with Twyne Protocol, you must use a non-custodial digital wallet that is compatible with the Network on which Twyne Protocol is deployed and on which you wish to engage ("User Wallet").
To use the Interface, you must thus first connect a compatible User Wallet.
The Association does not operate, control, or have custody over your User Wallet, or any digital assets held within it. Your use of the Service does not grant the Association any authority to access, manage, or submit transactions through your User Wallet without your explicit action and approval. You are solely responsible for authorizing and signing all transactions related to your interactions with Twyne Protocol via the Interface. You are also fully responsible for the security of your User Wallet, including the safekeeping of your private keys, recovery phrases, and any associated credentials.
Once your User Wallet is connected, any transaction you initiate through the Interface is expressly authorized and cryptographically signed by you via your User Wallet and submitted directly to the underlying Network. You acknowledge and accept that the resulting transaction will be processed by the Network and cannot be cancelled, modified, or reversed. These transactions are executed autonomously by the Network, without any involvement, control, or ability to intervene by the Association.
The Interface can display both general information relating to the usage of Twyne Protocol and User-specific information relating to your usage thereof on a given Network.
The Interface communicates with Twyne Protocol, the Lending Protocols and the Network via Third-Party Services (as defined under Section V), to fetch on-chain data via APIs, simulate and broadcast signed transactions to the blockchain. These calls are made through standardized JSON-RPC protocols.
In the event the infrastructure of a Third-Party Service is compromised, false or misleading information may be displayed and/or transactions may be broadcasted with unintended effects (malicious rerouting, corrupted transaction details, etc.).
You are solely responsible for independently verifying any on-chain information relevant to your use of Twyne Protocol via the Interface. This includes, but is not limited to, transaction status, contract interactions, and token balances, by using third-party block explorers to confirm the accuracy and finality of such information.
The Association does not control nor guarantee the accuracy of the information displayed through the Interface. Accordingly, the Association does not assume any responsibility for the accuracy, completeness or actuality of the information displayed on the Interface, and therefore, the Association shall not be liable for any claims or damages related to errors, inaccuracies, or delays in the display of the information or any decisions, transaction, acts or omissions that you make in reliance thereon.
If the Interface were ever compromised, malicious actors could present misleading transactions, disguising harmful or unintended actions as legitimate signals. A deceptive interference can integrate UX dark patterns in the Interface to obscure the true function of a transaction submitted for your signing, for example, executing a function other than what's described in the Interface. By using the Interface, you acknowledge and accept full responsibility for verifying the accuracy and intent of any transaction you authorize. If anything seems unclear or unexpected, reject the transaction immediately and contact [email protected] or reach out for support via dedicated social media channels.
Fundamental Disclaimers
- i) Accessing Twyne Protocol through the Interface does not eliminate or reduce any of the risks inherent to interacting with the Twyne Protocol. These risks remain the same as if you were accessing the Twyne Protocol through any other means.
- ii) The Interface does not offer any additional safeguards or protections in connection with your use of the Twyne Protocol. The Association makes no representations or warranties, express or implied, regarding the safety, reliability, or performance of the Twyne Protocol or your interactions with it via the Interface.
The Association does not endorse any of the digital assets compatible with Twyne Protocol and by extension, the Service.
The Twyne Protocol is currently deployed on the Ethereum network but may be deployed on additional Networks in the future. The Interface can only facilitate transactions on Networks where Twyne Protocol is available and only with digital assets that reside on those Networks, either natively or via bridging mechanisms.
Because Twyne Protocol operates as a delegation layer in relation to third-party Lending Protocols, the Interface facilitates interactions exclusively with receipt tokens (also referred to as IoU tokens; hereafter "Tokens") and not with the underlying digital assets originally supplied to the Lending Protocols. Tokens function solely as technical representations of supplied digital assets and are issued by the relevant Lending Protocols. Tokens must be distinguished from the supplied digital assets and any legal classification that may apply to them. Tokens do not constitute a right to claim the supplied digital assets from any identifiable counterparty, nor do they represent legal claims akin to derivatives or other financial instruments.
The Association cannot and does not make any warranties, express or implied, regarding the Tokens and digital assets in general, and their continued availability, suitability, or compliance with the legal framework of any jurisdiction.
The Association disclaims all liability for losses or damages, whether direct or indirect, consequential, incidental, special, punitive, or otherwise, that may result from Tokens being supplied, withdrawn, or gained through the Service.
Digital assets are subject to a myriad of external factors influencing, notably, their utility, price, reliability, and legal status. These factors and their consequences are beyond the Association's purview and control.
All information regarding digital assets, including Tokens, as provided through the Service, is for informational purposes only and should not be construed as investment advice or a recommendation that Tokens or a particular digital asset is a safe or sound investment. You should not take, or refrain from taking, any action based on any information displayed through the Service. By providing information for your convenience, we do not make any investment recommendations to you or opine on the merits of any transaction or opportunity. You alone are responsible for determining whether any transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance.
Please note that for legal reasons, the selection of Tokens which may be utilized through the Service may be subject to change. It remains in the Association's sole discretion to determine the permitted Tokens. For the avoidance of doubt, this is related only to potential restrictions at Interface-level: the Association is unable to restrict transactions at Twyne Protocol-level.
The services provided by Twyne Protocol, Lending Protocols, and the underlying Networks do not form part of the services offered by the Association.
The Association does not operate, control, or maintain Twyne Protocol, which, upon its on-chain deployment, became a standalone and immutable technological system.
Twyne Protocol is an open source, permissionless and immutable layer operating on top of Lending Protocols such as Euler. It acts as a receipt token delegation protocol designed to maximize the capital efficiency of lending markets. Users acting as liquidity providers on Lending Protocols may make their Tokens available to other Users acting as borrowers, for use as collateral with those Lending Protocols. In return, liquidity providers receive a delegation fee, which is collected by the Twyne Protocol and calculated on top of the standard lending fee charged by the Lending Protocols.
All transactions submitted through Twyne Protocol and the associated Lending Protocols are dependent on the underlying Networks. The Association is not involved in the development or operation of either the Lending Protocols or the Networks.
The Association does not participate in and/or control any of the transactions conducted by you via Twyne Protocol, the Lending Protocols and the Network nor do we act in any circumstances as a counterparty to such transactions initiated by you.
The Interface itself does not execute any transactions on your behalf, nor does it control and/or have the ability to impact the execution of transactions initiated by you when using it.
You understand that you do not hold any claims against the Association for transactions initiated with the Service, or the inability to execute such transactions. You are fully responsible for all inputs you make while using the Service.
Any malfunction, failure, or interruption in the services provided by the Lending Protocols or the Networks may impact the functionality of Twyne Protocol as accessed via the Interface, potentially causing disruptions, delays, or other operational issues to the Service itself.
Fundamental Disclaimers
- i) The Association nor anyone else can intervene to revert or anyhow modify the result of your interactions with Twyne Protocol, Lending Protocols and Networks.
- ii) Any Tokens transferred to Twyne Protocol are held thereby, in smart contracts, without any possibility for the Association or anyone else to access or move these Tokens.
- iii) Twyne Protocol and Lending Protocols, like any other blockchain-based protocols, are exposed to technical vulnerabilities.
- iv) Twyne Protocol and Lending Protocols, like any other financial protocols, are exposed to economic vulnerabilities such as the risk of economic exploitation by malicious actors to the detriment of users.
Prohibited Jurisdictions. A Prohibited Jurisdiction shall mean:
- i) a jurisdiction in which applicable laws prohibit or otherwise restrict owning digital assets or transacting therewith, or in which public authorities inflict administrative or criminal sanctions which result in a prohibition of specific activities involving digital assets.
- ii) a jurisdiction in which digital assets are deemed financial instruments and/or in which any services involving digital assets, including merely providing an interface for such services, would require the Association to comply with specific regulations, notably any filings, and authorizations required thereby.
- iii) a jurisdiction blacklisted by the Financial Action Task Force. a jurisdiction subject to economic and financial sanctions as imposed by the United Nations, Switzerland, United States, United Kingdom or European Union.
- iv) a jurisdiction embargoed or restricted by the Swiss State Secretariat for Economic Affairs (SECO), including, but not limited to: Belarus, Burundi, Central African Republic, Congo, DPRK (North Korea), Guinea, Guinea-Bissau, Iran, Iraq, Lebanon, Libya, Mali, Myanmar (Burma), Republic of South Sudan, Russia, Somalia, Sudan, Syria, Ukraine, Venezuela, Yemen, or Zimbabwe.
The use of software or networking techniques, including Virtual Private Networks (VPNs), to alter your internet Twyne Protocol address or otherwise bypass the above definition is strictly forbidden.
Any attempts to access or utilize the Service from a Prohibited Jurisdiction constitutes a violation of these Terms and may lead to immediate termination of your access to the Service.
Representations and Warranties. By using the Service, you represent and warrant that:
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i) You are acting:
- on your own behalf, and with digital assets on which you have full authority, and which are free of any encumbrances, or
- on behalf of third parties under a valid legal agreement that authorizes you to execute transactions using their digital assets for this specific purpose, provided that you have executed all requisite due diligence, as mandated by applicable law, including but not limited to anti-money laundering regulations, so that you are in a position to validly abide by these Terms of Service as if you were acting on your own behalf.
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ii) You are of legal age and possess the necessary legal capacity to accept these Terms. You are not a resident or citizen of a Prohibited Jurisdiction as defined in the Terms.
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iii) You or your digital assets are not subject to any individual sanctions or involved in any activities that would cause the Association and the Service to be subject to any sanctions, embargoes, or restrictions under international, federal, or state regulations.
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iv) You comply with all tax obligations in your jurisdiction(s) of residence or citizenship, related to any Tokens and associated digital assets, as used with the Service, including reporting and payment of taxes on gains, income, or similar liabilities.
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v) You have consulted any necessary experts to perfect your understanding, including technical aspects, or legal and tax implications of using the Service.
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vi) You possess sufficient knowledge and experience with blockchain technology, smart contracts, storage mechanisms (such as wallets), crypto assets, and decentralized finance to evaluate the risks and merits of using Twyne Protocol, Lending Protocols and Networks. Such knowledge and experience are of adequate level considering the value of digital assets you intend to utilize through the Interface.
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vii) You fully endorse all the inherent risks associated with the Service, particularly the services accessed therewith, namely Twyne Protocol, and by extension, the Lending Protocols and Networks.
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viii) You are prepared to accept the risk of loss, including complete loss, as a result of the various risk factors associated with the use of Twyne Protocol, Lending Protocols and Networks.
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ix) You have not engaged in and will not engage through the Service in any form of market manipulation, insider trading, or other unfair trading practices to be implemented through Twyne Protocol.
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x) You are not using the Service to transfer and trade funds derived from or related to any unlawful activities, including but not limited to money laundering and financing of terrorism.
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xi) You are not interacting with the Service in a manner intended to finance, engage in, or support any criminal or illegal activities.
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xii) Your acceptance of these Terms does not result in any breach of, conflict with, or constitute a material default under: Any laws, regulations, or rules applicable to you. Any provision of constitutional or organizational documents by which you are bound. Any judgement, decree, or order imposed on you by any court, or governmental or regulatory authority. Any material agreement, obligation, duty, or commitment to which you are a party or by which you are bound.
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xiii) You have duly read these Terms and are thus aware that any interaction with the Service is at your own risk and under your sole responsibility.
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xiv) You have conducted reasonable due diligence on the Service before accessing it, including researching its functionalities.
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xv) You agree to immediately cease using the Service if you no longer meet the applicable eligibility requirements. The Association reserves the right to verify your eligibility at any time and may restrict, suspend, or terminate your access to the Service if your eligibility cannot be confirmed or is reasonably suspected to have changed.
The Service may provide links or other access to services, sites, technology, and resources that are provided by third parties ("Third-Party Services"). The integration or inclusion of Third-Party Services does not imply an endorsement or recommendation of any such Third-Party Services by the Association. The Association will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any Third-Party Services.
Among Third-Party Services, the Service relies inter alia on: (i) Networks; (ii) Lending Protocols; (iii) User Wallets (iv) oracles and others, as may be utilized from time to time, as well as ongoing development and support by third parties. However, we cannot guarantee that these third parties will maintain their support for such Third-Party Services, notably through maintenance and updates, which could potentially impact the Service negatively.
By using the Service, you acknowledge and accept that your use may involve making use of one or more of the Third-Party Services listed above, as well as any additional Third-Party Services that may be relied upon by the Association in the future to deliver functionality, and you authorize the Association to make use of any and all of the Third Party Services listed above, as well as any Third-Party Services that may be relied upon by the Platform in the future to deliver its functionality. You also acknowledge that the above list may not be fully up to date, and the Association is not obligated to notify you of any changes to the Third-Party Services that may be relied upon.
The Association has no control over and is not responsible for such Third-Party Services, including for the accuracy, availability, reliability, or completeness of information shared by or available through Third-Party Services, or on the privacy practices of Third-Party Services.
Your access and use of the Third-Party Services may also be subject to additional terms and conditions with such third party, and you may be required to authenticate to or create separate accounts to use Third-Party Services. Some Third-Party Services will provide us with access to certain information that you have provided then, including through such Third-Party Services, and we will use, store and disclose such information in accordance with our Privacy Policy.
You, and not the Association, will be responsible for any and all costs and charges associated with your use of any Third-Party Services.
In the event of a dispute between you and a Third-Party Service provider or other Service users, we are not obligated to intervene. By using the Service, you release us, our officers, employees, agents, contractors, and successors from any claims or damages arising from such disputes with a Third-Party Service provider, known or unknown, disclosed or undisclosed.
The Association does not charge fees for using the Service.
However, certain interactions, especially relying on Third-Party Services (as defined under Section V above) are subject to fees, such as gas fees collected by Networks and fees collected by Lending protocols. Users are responsible to check the configuration and fee parameters of any Services with which they interact. You are solely responsible for paying any applicable fees.
All transactions are final and fees due without any possibility for reimbursement, even if made in error or resulting from unauthorized access.
You agree that the Association, in its sole discretion, may suspend or terminate your access or use of the Service, partially or in full, and remove and discard any content within the Service, for any reason, including for lack of use or if the Association believes that you have violated these Terms. You agree that any termination of your access to the Service under any provision of these Terms may be effected without prior notice, Further, you agree that the Association will not be liable to you or any third party for any termination of your access to the Service. Any suspected fraudulent, abusive, or illegal activity may be referred to appropriate law enforcement authorities.
Prior to accessing or using the Service in relation to Twyne Protocol, you are advised to carefully review the Risk Disclosures outlining material risks associated with decentralized finance (DeFi), blockchain technologies, and digital assets in general.
BY ACCESSING OR USING THE SERVICE, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND ACCEPTED THE RISKS SET OUT IN THE RISK DISCLOSURES.
Your continued use of the Service constitutes your ongoing acceptance of these risks and agreement to be bound by the Risk Disclosures.
The Association does not warrant that the Service will operate uninterrupted or error-free. Notably, since the Service is dependent on the availability of Third-Party Services (see Section VI), it may be subject to temporary downtime or degraded performance, itself or because of temporary downtime or degraded performance of the latter. As a result of downtime, the Service may not be available for an indefinite period. The Association is not responsible for any damages or losses suffered by you because of any failure or interruption of Service.
The Association reserves the right to, at its sole discretion, discontinue the Service or any portion thereof, without any obligation to indemnify you to the maximum extent permitted by law. The Association may notably proceed to a shutdown in the following cases:
- upon occurrence of any force majeure event, and
- if any law, regulation, rule, or decision of any self-regulatory organization, or ordinance, whether domestic or international, becomes effective which substantially alters the Association's ability to offer the Services.
Association Rights. The Service, including the "look and feel" of the Interface and the Websites, and all related proprietary content, information and other materials, are protected under intellectual property laws. You agree that the Association and/or its licensors own all right, title and interest in and to the Service including all intellectual property rights therein. Any rights not expressly granted herein are reserved. Except as expressly permitted, you may not copy, modify, distribute, or create derivative works based on the Service without our prior written consent. Unauthorized use of the Services' intellectual property is strictly prohibited and may result in legal action.
Feedback. We welcome feedback, comments and suggestions for improvements to the Service ("Feedback"). You acknowledge and expressly agree that any contribution of Feedback does not and will not give or grant you any right, title or interest in the Service or in any such Feedback. All Feedback becomes the sole and exclusive property of the Association, and the Association may use and disclose Feedback in any manner and for any purpose whatsoever without further notice or compensation to you. You hereby assign to the Association all right, title and interest (including any intellectual property right) that you may have in and to any and all Feedback.
The Association collects and processes personal data in accordance with its Privacy Policy. By accessing or using the Service, you consent to the collection, use, storage, and sharing of your personal data as outlined in the Privacy Policy. You are encouraged to review the Privacy Policy carefully before using the Services.
Transactions executed on public Networks such as Ethereum are inherently transparent, permanent, and outside the control of the Association. Whether or not such transactions are facilitated through the Service, all data submitted to a Network may become publicly accessible and cannot be altered or removed.
You are solely responsible for ensuring that you do not include unnecessary personal information in any transactions. The Association expressly disclaims all liability for any loss, damage, or claim, whether under data protection laws or otherwise, arising from the inclusion of personal data in blockchain transactions.
By using the Service, you acknowledge and accept that the Association has no control over, and cannot delete or modify, any personal data recorded on a Network, and you assume full responsibility for any consequences arising therefrom.
To the extent permitted under applicable law, you agree to defend, indemnify, and hold harmless the Association, its affiliates, and its and their respective officers, employees, directors, service providers, licensors, and agents (collectively, the "Association Parties") from any and all losses, damages, expenses, including reasonable attorneys' fees, rights, claims, actions of any kind, and injury (including death) arising out of or relating to (a) your use of the Service, (b) Your Content, or (c) your violation of these Terms.
The Association will provide notice to you of any such claim, suit, or proceeding. The Association reserves the right to assume the exclusive defense and control of any matter which is subject to indemnification under this section, and you agree to cooperate with any reasonable requests assisting the Association's defense of such matter. You may not settle or compromise any claim against the Association Parties without the Association's prior written consent.
YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE ASSOCIATION EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
YOU ACKNOWLEDGE THAT THE ASSOCIATION MAKES NO WARRANTY THAT (A) THE SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS.
The Association disclaims all liability for any damages, losses, or expenses, whether direct or indirect, arising from your use of the Service.
UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (WHETHER IN CONTRACT, TORT, OR OTHERWISE) SHALL THE ASSOCIATION, ITS AFFILIATES, OR ANY OF OUR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR CONTRACTORS, BE LIABLE TO YOU OR ANY THIRD PARTY FOR (A) ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST SALES OR BUSINESS, LOST DATA, OR (B) FOR ANY DIRECT DAMAGES, COSTS, LOSSES OR LIABILITIES IN EXCESS OF ONE HUNDRED ($100) U.S. DOLLARS.
The Association expressly disclaims any responsibility or liability for the actions, omissions, or performance of any third-party service providers, including but not limited to Twyne Protocol, the Lending Protocols, the Networks, User Wallet, nodes, oracles, API providers or any other third-party services integrated with or used in connection with the Service. Use of such third-party services is entirely at the user's own risk. The Association shall not be liable for any disruptions, errors, inaccuracies, security breaches, or damages arising from or related to such. Users are strongly advised to conduct their own due diligence to assess the reliability, functionality, and security of any third-party services prior to use.
The Association cannot guarantee that the Service or the Twyne Protocol are free from cyberattacks, viruses, or other malicious code that may lead to unauthorized access to or loss of Tokens. By using the Service, you acknowledge and accept that the Association is not liable for any damages or losses resulting from denial-of-service attacks, malware, or other cybersecurity incidents. The Association also bears no responsibility for losses arising from phishing, social engineering, or other fraudulent activities beyond its control. Users are solely responsible for protecting their assets and personal information through appropriate security measures.
SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OR EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU OR BE ENFORCEABLE WITH RESPECT TO YOU.
IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE OR WITH THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICE.
Governing Law. These Terms shall be governed by and construed in accordance with the laws of Switzerland, without regard to its conflict of law principles. By using the Service, you expressly consent to the exclusive jurisdiction of the courts specified herein and agree that any disputes will be resolved under the governing law selected by the Association. You waive any objection to the venue or forum on the grounds of inconvenience or otherwise.
PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.
Pre-Arbitration Dispute Resolution. The Association is always interested in resolving disputes amicably and efficiently, and most user concerns can be resolved quickly and to the user's satisfaction by emailing the Association at the following email address: […] or reaching out through the dedicated social media channels. If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute ("Notice"). The Notice to the Association should be sent to the mailing address listed in Section 22 below ("Notice Address"). The Notice must (a) describe the nature and basis of the claim or dispute and (b) set forth the specific relief sought. If the Association and you do not resolve the claim within sixty (60) calendar days after the Notice is received, you or the Association may commence an arbitration proceeding.
Arbitration Procedure. Any dispute, controversy, or claim arising out of, or in relation to, these Terms, including regarding the validity, invalidity, breach, or termination thereof, shall be resolved by arbitration in accordance with the Swiss Rules of International Arbitration of the Swiss Arbitration Centre in force on the date on which the Notice of Arbitration is submitted in accordance with those Rules. The number of arbitrators shall be three. The seat of the arbitration shall be Zug, Switzerland. The arbitral proceedings shall be conducted in English. The expedited procedure shall not apply.
Confidentiality. All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitral tribunal, will be strictly confidential for the benefit of all parties.
Class action waiver. To the fullest extent permitted by law, the user waives the right to participate in a class action lawsuit or a class-wide arbitration against the Association and its affiliates or any individual or entity involved in the operation of the Service.
Jurisdiction for Non-Arbitrable Disputes. For any disputes that are not subject to arbitration under these Terms, you agree that such disputes will be resolved exclusively in the courts of Zug, Switzerland. You hereby irrevocably submit to the exclusive jurisdiction of these courts and waive any objection to the venue of any such proceeding on the grounds of venue, jurisdiction, or inconvenience of the forum.
Entire Agreement
These Terms, along with the Risk Disclosures, Privacy Policy and any other terms incorporated herein by reference, constitute the entire agreement between you and us regarding the use of the Services and supersede all prior and contemporaneous agreements.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. The invalid or unenforceable provision shall be deemed modified so that it is valid and enforceable to the maximum extent permitted by law. If such modification is not possible, the invalid provision will be deemed severed from these Terms, and the remaining provisions will continue in full force and effect.
Waiver
Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by a duly authorized representative of the Association.
Assignment
You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may freely assign or transfer our rights and obligations under these Terms without restriction.
Language
These Terms are provided in the English language, which shall be the official and binding version for all purposes. Any translations of these Terms into other languages are provided for convenience only and shall have no legal effect. In the event of any discrepancy between the English version and a translation, the English version shall prevail.
Contact Information
If you have any questions or concerns regarding these Terms or the Service, please contact us at: [email protected]