Terms of Service

1. Acceptance of Terms

By accessing and using Analog.money ("Analog," "we," "our," or "the Service"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these Terms of Service, please do not use the Service.

2. Description of Service

Analog.money is a decentralized finance (DeFi) platform that provides:

• Direct access to institutional DeFi money markets
• Smart contract-based yield optimization strategies
• Liquidity provisioning to leading DeFi protocols
• Self-custody digital asset management
• Access to money markets offering 8-49% APY
• Zero protocol fees on yield generation
• Integration with Coinbase Developer Platform for account management

The Service operates on blockchain networks, primarily Base Chain, and enables users to deploy personalized smart contracts for automated yield generation.

3. Eligibility

To use Analog.money, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Not be located in a jurisdiction where the Service is prohibited
• Comply with all applicable laws and regulations in your jurisdiction
• Provide accurate and complete registration information

4. Account Registration and Security

When creating an account with Analog.money:

• You agree to provide accurate, current, and complete information including your name and country of residence
• You are responsible for maintaining the security of your authentication credentials (Google, Apple, Phone, Email sign-in)
• You must notify us immediately of any unauthorized access to your account
• You are responsible for all activities that occur under your account
• We reserve the right to refuse service or terminate accounts at our discretion

5. Smart Contracts and Self-Custody

By using Analog.money, you acknowledge and agree that:

• Your assets are held in smart contracts that you control
• You maintain full custody and ownership of your digital assets
• Analog does not hold, control, or have access to your private keys or funds
• Smart contracts are deployed on public blockchains and are immutable once deployed
• You are responsible for understanding the risks associated with smart contract interactions
• You can withdraw your assets at any time without lockup periods

6. Risks and Disclaimers

You acknowledge and accept the following risks:

Market Risks

• Cryptocurrency and DeFi markets are highly volatile
• APY rates are variable and not guaranteed
• Past performance does not indicate future results
• You may lose some or all of your invested capital

Technical Risks

• Smart contracts may contain bugs or vulnerabilities
• Blockchain networks may experience downtime or congestion
• Protocol updates or changes may affect functionality
• Third-party DeFi protocols carry their own risks

Regulatory Risks

• Cryptocurrency regulations vary by jurisdiction and may change
• You are responsible for understanding and complying with applicable laws
• Tax obligations are your responsibility

7. Fees and Charges

Analog.money's fee structure:

• Protocol Fees: 0% - We do not charge fees on yield generation
• Network Fees: Analog pays most blockchain transaction fees (gas) on your behalf
• Third-Party Fees: Underlying DeFi protocols may charge their own fees
• Deposit/Withdrawal Fees: Third-party payment processors (Apple Pay, card providers, exchanges) may charge fees

We reserve the right to modify our fee structure with 30 days notice to users.

8. User Conduct

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Engage in market manipulation, fraud, or deceptive practices
• Attempt to gain unauthorized access to the Service or other users' accounts
• Interfere with or disrupt the Service or servers
• Use the Service to launder money or finance terrorism
• Violate any applicable laws or regulations
• Impersonate any person or entity

9. Intellectual Property

All content, features, and functionality of Analog.money, including but not limited to text, graphics, logos, and software, are owned by Analog or its licensors and are protected by intellectual property laws. Your smart contract code and algorithms are owned by you. We do not claim ownership of user-deployed smart contracts.

10. Privacy and Data Protection

We collect and process personal information including your name, email, country of residence, and wallet addresses in accordance with our Privacy Policy. By using the Service, you consent to such processing and warrant that all data provided by you is accurate. Blockchain transactions are public and permanent.

11. Third-Party Services

Analog.money integrates with various third-party services:

• Coinbase Developer Platform for wallet and account management
• Payment processors (Apple Pay, card networks)
• DeFi protocols (Uniswap, Aave, Compound, and others)
• Blockchain networks (Base Chain, Ethereum, etc.)

We are not responsible for the actions, policies, or services of these third parties. Your use of third-party services is subject to their respective terms and conditions.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• ANALOG IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND
• WE DO NOT GUARANTEE UNINTERRUPTED, SECURE, OR ERROR-FREE SERVICE
• WE ARE NOT LIABLE FOR ANY LOSS OF FUNDS, DATA, OR PROFITS
• WE ARE NOT RESPONSIBLE FOR SMART CONTRACT BUGS OR VULNERABILITIES
• WE ARE NOT LIABLE FOR BLOCKCHAIN NETWORK FAILURES OR ISSUES
• OUR TOTAL LIABILITY SHALL NOT EXCEED $100 USD

13. Indemnification

You agree to indemnify, defend, and hold harmless Analog.money, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Service, violation of these Terms, or infringement of any rights of another party.

14. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without cause or notice. You may discontinue use of the Service at any time. Upon termination, you retain ownership of your smart contracts and can continue to interact with them directly on the blockchain. Provisions that by their nature should survive termination shall survive.

15. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. We will provide notice of material changes by posting the updated terms on our website and updating the "Last Updated" date. Your continued use of the Service after such modifications constitutes acceptance of the updated terms.

16. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in court for intellectual property or confidentiality matters.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Analog.money regarding the use of the Service and supersede all prior agreements and understandings.

19. Contact Information

For questions about these Terms of Service, please contact us at:

Email: socials@analog.money

20. Acknowledgment

BY USING ANALOG.MONEY, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE. YOU FURTHER ACKNOWLEDGE THAT YOU UNDERSTAND THE RISKS ASSOCIATED WITH CRYPTOCURRENCY AND DECENTRALIZED FINANCE, AND THAT YOU ARE USING THE SERVICE AT YOUR OWN RISK.