Zerolend Terms of Service
Last updated: October 2, 2024
Legal Disclaimer Please read this disclaimer carefully before using [https://zerolend.xyz](https://zerolend.xyz/) (hereinafter referred to as the "Website", and the services offered therein as "Our Services"). The terms of use of the Website contained herein (the "Terms of Use") are entered into by and between the Website user ("You") and Zerolend (hereinafter referred to as the "Foundation" or "We/Our/Us"). By using the Website and clicking past this legal disclaimer page, you confirm that you accept this legal disclaimer, the Terms of Use and agree to comply. If you do not agree, you must not use the Website. You further represent and warrant that you: (a) are of legal age to form a binding contract; (b) have not been previously suspended or removed from using Our Services; and (c) have full power and authority to enter into this agreement with Foundation, and in doing so will not violate any other agreement to which you are a party. If you are registering to use Our Services on behalf of a legal entity, you further represent and warrant that: (a) such legal entity is duly organized and validly existing under the applicable laws of the jurisdiction of its organization, and (b) you are duly authorized by such legal entity to act on its behalf. Information Published is Not Advice The information provided on the Website is for informational purposes and does not constitute investment advice, financial, legal, regulatory, accounting, tax or similar advice, and You should not treat any of the Website's content as such. Further, nothing on this Website should be construed as a recommendation, by Us, Our affiliates, or any third party, to acquire or dispose of any investment, or to engage in any investment strategy or transaction. You should consult Your own investment, legal, tax and/or similar professionals regarding Your specific situation and any specific decisions.

Usage Restrictions
By accessing or using the Website or Our Services, you hereby confirm and agree that: (a) you are not currently residing in Afghanistan, Belarus, Bosnia and Herzegovina, Burundi, Central African Republic, China, Democratic Republic of Congo, Cuba, Ethiopia, Guinea, Guinea-Bissau, Haiti, Iran, Iraq, North Korea, Lebanon, Libya, Mali, Moldova, Montenegro, Myanmar, Nicaragua, Niger, Russia, Serbia, Somalia, South Sudan, Sudan, Syria, Tunisia, Turkey, Ukraine, Venezuela, Yemen, Zimbabwe, or any other specifically designated OFAC sanctions listed jurisdiction; and (b) your access to and use of the Website and Our Services is lawful in your country of residence in the way you access and use them.

Usage Risks
The Website will not be responsible for any losses, damages, or claims arising from events falling within the scope of events like, but not limited to: mistakes made by the user (e.g., payments sent to wrong addresses), software problems of the Website or any related software or service (e.g., malware or unsafe cryptographic libraries), technical failures (e.g., hardware wallets malfunction), security problems experienced by the user (e.g., unauthorized access to wallets), actions or inactions of third parties (e.g., bankruptcy of service providers, information security attacks on service providers, and fraud conducted by third parties). To access the Website or some of the resources it offers, you may be asked to provide an Ethereum wallet address "Wallet". Our Website does not collect, nor store this information.

Investment Risks
The investment in cryptocurrencies involves a high degree of risk and can lead to loss of money and prices having large range fluctuations. The information published on the Website cannot and does not guarantee that amounts invested will not be lost. You are responsible for understanding all risks, doing Your own due diligence, and making Your own decision on how to interface with the Website.

Compliance with Tax Obligations
The users of the Website are solely responsible to determine what, if any, taxes apply to their cryptocurrency holdings. The owners of, or contributors to, the Website are NOT responsible for determining the taxes that apply to user transactions.

No Warranties
The Website is provided on an "as is" basis without any warranties of any kind, either express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or that availability, accessibility, or use of the Website and/or any content, data, materials or services provided hereon will be uninterrupted or error-free. Website functionality is not guaranteed and could be disabled fully or in part without prior notice.

Security
Security audits don't eliminate risks completely. The Website is not guaranteed to be secure or free from bugs or viruses.

Limitation of Liability
To the fullest extent allowed by applicable law, in no event shall the owners of, or contributors to, the Website be liable for any damages of any kind, including, but not limited to, indirect, special, incidental, punitive, or consequential damages of any kind, including damages for loss of use, loss of profits, business interruption, loss of goodwill, or loss of data arising out of or in any way connected with the use of the Website.

Arbitration
Except for disputes related to copyrights, logos, trademarks, trade names, trade secrets or patents, any dispute, controversy or claim arising out of, relating to, or in connection with Your use of the Website or Our Services, or in connection with these Terms of Use, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, shall be finally resolved by binding arbitration by the Judicial Arbitration and Mediation Services (JAMS) pursuant to its Comprehensive Arbitration Rules and Procedures. The tribunal shall have the power to rule on any challenge to its own jurisdiction or to the validity or enforceability of any portion of the agreement to arbitrate. The parties agree to arbitrate solely on an individual basis, and that these Terms of Use do not permit class arbitration or any claims brought as a plaintiff or class member in any class or representative arbitration proceeding. The arbitral tribunal may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding. In the event the prohibition on class arbitration is deemed invalid or unenforceable, then the remaining portions of this agreement to arbitrate will remain in force.

Changes
We may revise and update the Terms of Use in this Legal Disclaimer from time to time in Our sole discretion and without notice. All changes are effective immediately when We post them and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Use means that You accept and agree to the changes. You are expected to check this page from time to time so You are aware of any changes, as they are binding on You.

Third-Party Services and Content
In using this Website, You may view content or utilize services provided by third parties ("Third Parties"), including links to Web pages and services of such parties ("Third-Party Content"). We do not control, endorse, or adopt any Third-Party Content and will have no responsibility for Third-Party Content, including, without limitation, material that may be misleading, incomplete, erroneous, offensive, indecent, or otherwise objectionable in Your jurisdiction. Your business dealings and/or correspondence with such Third Parties is a matter solely between You and the Third Parties. We are not liable or responsible for any loss or damage of any sort incurred as a result of such dealings and You understand that Your use of Third-Party Content, and Your interactions with Third Parties, is at your own risk.

We may employ third party companies to facilitate the Wallet integration with Our Services