> For the complete documentation index, see [llms.txt](https://docs.clovis.network/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.clovis.network/legal/clovis/terms-of-use.md). # Terms of Use Effective Date: October 14, 2026 ## Welcome to Clovis These Terms of Use ("Terms") govern your access to and use of both our Clovis website Interface(the "Interface"), together with related content and functionality (collectively, the "Services"), made available by us (“Operator,” ”we,” “us,” or “our” ) The "Clovis Protocol" means the smart contracts and related software through which users may supply assets, manage vault positions, borrow, and conduct cross-network transactions. The Clovis Protocol consists of smart contracts and related software deployed on supported public blockchain networks. Users may interact with the Protocol through the Interface using compatible self-custodial wallets. Available features and supported networks may change from time to time. The Interface may be hosted or distributed throughIPFS or other infrastructure, The underlying blockchain networks, third-party wallets, and other third-party services are not operated or controlled by us. ARBITRATION NOTICE: THESE TERMS CONTAIN AN ARBITRATION CLAUSE. EXCEPT FOR SPECIFIC TYPES OF DISPUTES DESCRIBED IN THE ARBITRATION CLAUSE, YOU AND WE AGREE TO RESOLVE DISPUTES THROUGH MANDATORY BINDING ARBITRATION. YOU ALSO WAIVE THE RIGHT TO PARTICIPATE IN A CLASS-ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. #### You Are Entering Into a Binding Agreement. BY ACCESSING OR USING THE SERVICES—INCLUDING OUR WEBSITES, APPLICATIONS, AND OTHER SERVICES THAT LINK TO THESE TERMS, AS WELL AS ANY INFORMATION, TEXT, LINKS, GRAPHICS, PHOTOS, AUDIO, VIDEO, OR OTHER MATERIALS STORED, RETRIEVED, OR APPEARING THEREON (COLLECTIVELY, THE "SERVICES")—YOU AGREE TO BE BOUND BY THESE TERMS AND ANY APPLICABLE ADDITIONAL TERMS EXPRESSLY INCORPORATED BY REFERENCE. OUR PRIVACY POLICY EXPLAINS HOW WE COLLECT, USE, AND DISCLOSE PERSONAL INFORMATION IN CONNECTION WITH THE SERVICES. IF YOU DO NOT AGREE TO THE APPLICABLE TERMS, YOU MUST NOT ACCESS OR USE THE RELEVANT SERVICES. If these Terms conflict with any applicable additional terms expressly incorporated by reference,those additional terms will control only with respect to the relevant product, feature, or program and only to the extent of the conflict. #### Use of the Services **Clovis Network is an informational resource about Clovis; however, it is not the exclusive or sole source.** All information provided in connection with your access and use of the Services is intended for informational purposes only. While we strive to provide accurate and reliable information, we cannot guarantee the accuracy, completeness, or timeliness of the information provided. It is possible that the information may be outdated or subject to errors or omissions. You should independently verify relevant information before making a decision or authorizing a transaction, including information provided in our developer documentation and other materials made available through the Services. **Users fully control their wallet.** You interact with the Clovis Protocol through a compatible self-custodial wallet. Neither we nor any affiliated entity have access to your private keys or wallet credentials. Assets supplied to the Clovis Protocol may be held or processed by Smart Contracts and are subject to the applicable product terms, Smart Contract rules, and protocol parameters, including any withdrawal restrictions and administrative functionality. **Users use third-party self-custodial wallets to interact with Clovis; We do not control those wallets or guarantee their availability, performance, or security.** To interact with Clovis using the Interface, you will need to connect and engage with it through your self-custodial wallet. Your self-custodial wallet is provided by a third-party entity and is generally governed by separate terms and conditions set by the respective third-party service provider. Reviewing and comprehending the terms and conditions associated with your chosen self-custodial wallet provider to ensure compliance and to be aware of any applicable charges or risks is your sole responsibility. **User Decisions and No Advice.** You are responsible for deciding whether to enter into any transaction through the Services. We do not provide investment, financial, legal, or tax advice or assess whether a transaction is suitable for you. Your use of the Services does not, by itself, create an advisory, agency, or fiduciary relationship between you and us. **Transaction and User Information** Transactions on public blockchains may be publicly visible. We may access publicly available blockchain information and collect or receive other information in connection with your use of the Services, as described in our Privacy Policy. **Associated blockchain and protocol fees may apply.** Transactions may incur network transaction fees ("gas"), borrowing costs, vault or performance fees, cross-network fees, and other applicable charges. Gas fees are charged by the relevant blockchain network. Applicable protocol fees and calculation methods are disclosed in the Clovis documentation or the Interface. Fees may vary depending on network conditions and applicable protocol parameters. Unless otherwise stated or required by applicable law, fees incurred for processing a transaction are non-refundable. You understand that the Interface may be hosted or distributed through IPFS or other infrastructure. The Interface may use the InterPlanetary File System ("IPFS"), a decentralized, distributed network protocol that allows storage and retrieval of files in a peer-to-peer manner.Use of IPFS does not mean that all components of the Services are decentralized. ### **Assumption of Risk** **The technologies we use, including blockchain and smart contracts, are inherently risky. You acknowledge these risks and understand that any exclusion or limitation of liability is subject to the Disclaimers and Limitations of Liability section below and applicable law.** Technologies such as smart contracts on various blockchains, cryptographic tokens generated by the smart contracts, and other nascent software, applications, and systems that interact with blockchain-based networks are experimental, speculative, inherently risky, and subject to change. Among other risks, bugs, malfunctions, cyberattacks, or changes to the applicable blockchain (e.g., forks) could disrupt these technologies and even result in a total loss of crypto assets, their market value, or digital funds. If you are not comfortable assuming these risks, you should not access or engage in transactions using blockchain-based technology. Depending on the feature used, additional risks may include variable or negative returns, withdrawal restrictions, collateral liquidation, and cross-network delays or failures. Yields are not guaranteed. Transactions involving multiple steps may complete only in part. Specific conditions, fees, and limitations are described in the applicable product terms and transaction disclosures. **We are not liable for any third-party services or links except as otherwise provided in these Terms or required by applicable law.** We are not responsible for the content or services of any third-party, including, without limitation, any network or apps like Discord or MetaMask, and we make no representations regarding the content or accuracy of any third-party services or materials. The use and access of any third-party products or services, including through the Services, are at your own risk. Please note that we do not have control over third-party services. Consequently, we cannot guarantee their availability, performance, security, or suitability for your needs. **You agree to the automated processing of transactions by smart contracts.** You acknowledge and agree that transactions you authorize through the Interface may be processed by one or more smart contracts according to their applicable rules and protocol parameters. . You further acknowledge and agree that the applicable smart contract rules govern how assets are held, processed, and transferred. Certain actions may require separate approvals or transactions, and submitting a transaction does not guarantee that all related steps will complete successfully.. **You acknowledge the risks of using the Services.** You are solely responsible for evaluating the Services before using them, and transactions recorded on a blockchain are generally irreversible and may not be cancellable or refundable.. The Services may be disabled, disrupted, or adversely impacted as a result of sophisticated cyber-attacks, surges in activity, computer viruses, and/or other operational or technical challenges, among other things. We do not undertake to identify or notify you of every potential risk, except as required by applicable law or expressly provided in the applicable terms.You agree to accept these risks subject to the Disclaimers and Limitations of Liability section below and applicable law. **You are solely responsible for the security of your self-custodial wallet.** You understand and agree that you are solely responsible for maintaining the security of your self-custodial wallet. It is your duty to safeguard your private keys, seed phrases, wallet credentials, devices, and other authentication methods. We do not have access to your private keys or wallet credentials.. Any unauthorized access to your self-custodial wallet by third parties could lead to the loss or theft of crypto assets or funds held in your wallet. You acknowledge that we have no control over, nor involvement in managing or securing your self-custodial wallet. We urge you to take all necessary security measures to protect your wallet and and its access credentials and keep your wallet secure against unauthorized access or cyber threats. **You Are Solely Responsible for Wallet Security.** You understand and agree that you are solely responsible for securing your self-custodial wallet. It is your duty to safeguard your private keys, as we do not have access to them. Any unauthorized access to your self-custodial wallet by third parties could lead to the loss or theft of crypto assets or funds held in your account. We have no control over, nor involvement in managing or securing your self-custodial wallet. The private key associated with your wallet address is the only mechanism that controls access to your crypto assets and their transfer via smart contracts. Take all necessary security measures to protect your private keys and ensure your wallet remains secure against unauthorized access or cyber threats. **We reserve the right to restrict your access to the Interface and other components of the Services that we control.** We may use technically available measures to restrict access where we reasonably believe that (a) you are using the Services for money laundering or any illegal activity; (b) you have engaged in fraudulent activity; (c) you have acquired crypto assets using inappropriate methods, including the use of stolen funds to purchase such assets; (d) your access or use is prohibited by sanctions or other laws applicable to the Operator or the Services; or (e) you have otherwise acted in violation of these Terms. If we have a reasonable suspicion that you are utilizing the Services for illegal purposes, we reserve the right to take whatever action we deem appropriate.Restrictions on the Interface may not prevent direct interaction with Smart Contracts deployed on permissionless public blockchains. **We do not guarantee the quality or accessibility of the Services.** As a condition to accessing or using the Services, you acknowledge, understand, and agree that from time to time, the Services may be inaccessible or inoperable for any reason, including, but not limited to, equipment malfunctions, periodic maintenance procedures or repairs, causes beyond our control or that we could not reasonably foresee, disruptions and temporary or permanent unavailability of underlying blockchain infrastructure or unavailability of third-party service providers or external partners for any reason. You acknowledge and agree that you will access and use the Services at your own risk. You should not engage in blockchain-based transactions unless they are suitable for your circumstances and financial resources. By using the Services, you represent that you have been, are, and will be solely responsible for conducting your own due diligence into the risks of a transaction and the underlying smart contracts and crypto assets. ### Taxes **You are responsible for your taxes and duties.** Users bear sole responsibility for paying any and all taxes, duties, and assessments now or hereafter claimed or imposed by any governmental authority associated with their use of the Services and/or payable as a result of using and/or exploiting any crypto assets and interacting with smart contracts. Blockchain-based transactions are novel, and their tax treatment is uncertain. ### Ownership **We grant you a limited license to access and use our Services according to these Terms.** **We retain all rights not expressly granted to you in these Terms.** For materials governed by open-source or other third-party licenses, we and our licensors retain all rights, title, and interest in and to the Services and their proprietary content, code, data, and other materials. Your rights in open-source software and third-party materials are governed by their applicable licenses.Except as explicitly stated in these Terms or the applicable licenses, your use of or access to the Services does not grant you any ownership or other rights therein. **We may use and share your feedback.** Any comments, bug reports, ideas, or other feedback that you may provide about our Services, including suggestions about how we might improve our Services, are entirely voluntary. You agree that we are free to use or not use any feedback that we receive from you as we see fit, including copying and sharing such feedback with third parties, without any obligation to you. ### Prohibited Conduct You may only use the Services if you comply with this Agreement, applicable third-party policies, and all applicable laws, rules, regulations, and related guidance. The following conduct is prohibited: * Using the Services for, or to promote or facilitate, illegal activity (including, without limitation, money laundering, financing terrorism, tax evasion, buying or selling illegal drugs, contraband, counterfeit goods, or illegal weapons) * Exploiting the Services for any unauthorized commercial purpose * Uploading or transmitting viruses, worms, Trojan horses, time bombs, cancel bots, spiders, malware, or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Services * Attempting to or actually copying or making unauthorized use of all or any portion of the Services, including by attempting to reverse compile, reformatting or framing, disassemble, reverse engineer any part of the Services * Harvesting or otherwise collecting information from the Services for any unauthorized purpose * Using the Services under false or fraudulent pretenses or otherwise being deceitful * Interfering with other users' access to or use of the Services * Interfering with or circumventing the security features of the Services or any third party's systems, networks, or resources used in the provision of Services * Engaging in any attack, hack, denial-of-service attack, interference, or exploit of any smart contract in connection with the use of the Services (and operations performed by a user that are technically permitted by a smart contract may nevertheless be a violation of our Agreement, including these Terms, and the law) * Engaging in any anticompetitive behavior or other misconduct **Violating our rules may result in our intervention.** If we reasonably believe that you have used the Services in violation of applicable law or these Terms, we may temporarily or permanently restrict, suspend, or terminate your access to the Interface and other components of the Services that we control, subject to applicable law. **We reserve the right to investigate violations.** We reserve the right to investigate any suspected breaches of this ATerms and to take appropriate legal action. We may disclose information where required by applicable law or valid legal process, or otherwise permitted by applicable law and consistent with our Privacy Policy. ### Disclaimers and Limitations of Liability THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE AND OUR PARENTS, SUBSIDIARIES, AFFILIATES, RELATED COMPANIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, AND LICENSORS (COLLECTIVELY, THE "CLOVIS INDEMNIFIED PARTIES") TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MAKE NO GUARANTEES IN CONNECTION WITH THE SERVICES AND DISCLAIM ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS OR IMPLIED, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT AND DISCLAIM ALL RESPONSIBILITY AND LIABILITY FOR: * The Services being accurate, complete, current, reliable, uninterrupted, timely, secure, or error-free. Information (including, without limitation, the value or outcome of any transaction) available through the Services is provided for general information only and should be independently verified before you make a decision or authorize a transaction. Any reliance on the Services is at your own risk. * loss or damage caused by another user's conduct, unauthorized actors, or any unauthorized access to or use of the Services. * Viruses, worms, Trojan horses, time bombs, cancel bots, spiders, malware, or other type of malicious code that may be used in any way to affect the functionality or operation of the Services. **Limitation of Liability.** TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW AND EXCEPT FOR LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED OR LIMITED, NO CLOVIS INDEMNIFIED PARTY SHALL BE LIABLE TO YOU FOR ANY LOSS, DAMAGE, OR INJURY OF ANY KIND, INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE LOSSES OR DAMAGES, OR DAMAGES FOR SYSTEM FAILURE, MALFUNCTION, LOSS OF PROFITS, DATA, USE, BUSINESS, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH: * The Services or your inability to use or access the Services * Misuse of the Services (including unauthorized access) * Any user conduct on the Services * Termination, suspension, or restriction of access to any of the Services In addition, no Clovis Indemnified Party shall be liable for any damages caused in whole or in part by: * User error, such as forgotten passwords or incorrectly constructed smart contracts or other transactions * Server failure or data loss * The malfunction, unexpected function, or unintended function of the blockchain, any computer or crypto asset network (including any wallet provider), including without limitation losses associated with network forks, replay attacks, double-spend attacks, Sybil attacks, 51% attacks, governance disputes, mining difficulty, changes in cryptography or consensus rules, hacking, or cybersecurity breaches * Any change in value of any crypto asset * Any change in law, regulation, or policy * Events of force majeure * Any third party This limitation of liability is intended to apply without regard to whether other provisions of these Terms have been breached or have proven ineffective. The limitations set forth in this section shall apply regardless of the form of action, whether the asserted liability or damages are based on contract, indemnification, tort, strict liability, statute, or any other legal or equitable theory, and whether or not the Clovis Indemnified Parties have been informed of the possibility of any such damage. In no event will the Clovis Indemnified Parties' cumulative liability to you, from all causes of action and all theories of liability exceed one thousand U.S. dollars (U.S. $1,000.00). ### Indemnification You agree to indemnify, defend, and hold harmless the Clovis Indemnified Parties from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of: (a) Your breach or alleged breach of the Agreement (including, without limitation, these Terms); (b) Anything you contribute to the Services; (c) Your misuse of the Services, or any smart contract and/or script related thereto; (d) Your violation of any laws, rules, regulations, codes, statutes, ordinances, or orders of any governmental or quasi-governmental authorities; (e) Your violation of the rights of any third party, including any intellectual property right, publicity, confidentiality, property, or privacy right; or (f) any misrepresentation made by you. We reserve the right to assume, at your expense, the exclusive defense and control of any matter subject to indemnification by you. You may not settle any such claim in a manner that imposes liability or obligations on, or includes an admission on behalf of, any Clovis Indemnified Party without our prior written consent. ### Arbitration Agreement and Waiver of Rights, Including Class Actions PLEASE READ THIS SECTION CAREFULLY: IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. THIS SECTION CONTAINS PROCEDURES FOR MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER. **Agreement to Attempt to Resolve Disputes Through Good Faith Negotiations** Before commencing any legal proceeding against us, including arbitration, you and we agree to first attempt to resolve any dispute through good-faith negotiations. This process requires written notice specifying the nature of the dispute and a meeting via video conference or telephone within 60 days to attempt resolution. If unresolved, mediation or arbitration may follow. **Agreement to Arbitrate** Any dispute, controversy, difference, or claim arising out of or in connection with these Terms, including any question regarding their existence, validity, interpretation, performance, breach, termination, or enforceability, shall be referred to and finally resolved by arbitration seated in Republic of Seychelles, and conducted in accordance with the applicable arbitration laws of the Republic of Seychelles. The tribunal shall consist of one (1) arbitrator, to be mutually agreed upon by the parties. If the parties are unable to agree on the appointment of the arbitrator within thirty (30) days after a written request for arbitration has been received by the other party, the arbitrator shall be appointed, upon the application of either party, by the competent court of the Republic of Seychelles in accordance with applicable law. The language of the arbitration shall be English. The law governing this arbitration agreement shall be the laws of the Republic of Seychelles. The arbitral award shall be final and binding on the parties and may be recognised and enforced by any court of competent jurisdiction. Nothing in this Section shall prevent either party from seeking urgent interim or conservatory relief from a court of competent jurisdiction where such relief is necessary to preserve the status quo or prevent irreparable harm pending the constitution of the arbitral tribunal or the final resolution of the dispute. ### Waiver of Injunctive or Other Equitable Relief TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT YOU WILL NOT BE PERMITTED TO OBTAIN AN INJUNCTION OR OTHER EQUITABLE RELIEF THAT MIGHT INTERFERE WITH OR PREVENT THE DEVELOPMENT OR EXPLOITATION OF ANY CLOVIS SERVICES, OR RELATED WEBSITE, APPLICATION, OR INTELLECTUAL PROPERTY. ### **Termination; Cancellation** This Agreement is effective unless and until terminated by either you or us. You may terminate your Agreement with us at any time by ceasing all access to the Services. If, in our sole judgment, you fail, or we suspect that you have failed, to comply with any term or provision of the Agreement (including without limitation any provision of these Terms), we reserve the right to terminate our Agreement with you and deny you access to the Services. We further reserve the right to restrict your access to the Services or to stop providing you with all or a part of the Services at any time and for no reason, including, without limitation, if we reasonably believe: (a) your use of the Services exposes us to risk or liability; (b) you are using the Services for unlawful purposes; or (c) it is not commercially viable to continue providing you with our Services. All of these are in addition to any other rights and remedies that may be available to us, whether in equity or at law, all of which we expressly reserve. WE RESERVE THE RIGHT TO MODIFY THE SERVICES AT ANY TIME, BUT WE HAVE NO OBLIGATION TO UPDATE THE SERVICES. YOU AGREE THAT IT IS YOUR RESPONSIBILITY TO MONITOR CHANGES TO THE SERVICES THAT MAY AFFECT YOU. YOU AGREE THAT WE MAY REMOVE THE SERVICES AND/OR ANY CONTENT THEREON FOR INDEFINITE PERIODS OF TIME OR CANCEL THE SERVICES AT ANY TIME, WITHOUT NOTICE TO YOU. ### Severability If any provision of the Agreement (including, without limitation, these Terms) is determined to be unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from the Agreement. Such determination shall not affect the validity and enforceability of any other remaining provisions. ### Assignment This Agreement may be assigned by us without your consent but not by you without our written consent. The Agreement (including, without limitation, these Terms) may be assigned without your prior consent to any Clovis Indemnified Party, or to its successors in the interest of any business associated with the Services provided by us. You may not assign or transfer any rights or obligations under the Agreement without our prior written consent. ### Entire Agreement The Agreement (including, without limitation, these Terms, and the Privacy Policy) and any policies or operating rules posted by us on the Services constitute the entire agreement and understanding between you and us and govern your use of the Services, superseding any prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of these Terms). Any failure by us to exercise or enforce any right or provision of the Agreement (including, without limitation, these Terms) shall not constitute a waiver of such right or provision. ### Governing Law These Terms, and any dispute or claim, including any non-contractual dispute or claim, arising out of or in connection with these Terms or their subject matter, shall be governed by and construed in accordance with the laws of the Republic of Seychelles, without regard to its conflict of laws principles. ### Contact Us For any inquiries regarding the use of the Services, please reach out to us at: