Terms of Use

Last Updated: 5/3/2025

Welcome to Bitty.io. These Terms of Use govern your access to and use of the Bitty.io decentralized lending protocol. By accessing or using Bitty.io, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, do not use the Bitty.io protocol.

1. Overview

Bitty.io is a decentralized, non-custodial protocol that enables users to supply and borrow digital assets via smart contracts deployed on blockchain networks. The protocol operates autonomously and is governed by smart contracts and decentralized governance mechanisms.

2. Eligibility

By using Bitty.io, you confirm that:

• You have full authority to agree to these Terms.
• You are not a resident, citizen, or entity in any jurisdiction that prohibits the use of decentralized finance protocols.
• You are not subject to sanctions imposed by the United Nations, European Union, United States, or any other relevant sanctions authority.

3. Risks & Disclaimers

3.1 Smart Contract Risks

Bitty.io operates through smart contracts deployed on public blockchains. While security audits may be conducted, smart contracts are experimental and could contain vulnerabilities that may result in loss of funds.

3.2 Market & Economic Risks

The value of digital assets is highly volatile. The use of Bitty.io involves financial risks, including but not limited to liquidations, loss of collateral, or extreme market conditions. You are solely responsible for managing your positions.

3.3 No Custodial Relationship

Bitty.io does not hold or control user funds. All transactions occur on-chain, and users interact directly with smart contracts.

3.4 No Guarantees

• Bitty.io does not guarantee the security or performance of the protocol.
• The protocol is provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind.
• Bitty.io does not provide investment, legal, or financial advice.

4. User Responsibilities

As a user of Bitty.io, you agree to the following responsibilities:

• You are responsible for securing your private keys and wallet credentials.
• You must conduct your own research and due diligence before using the protocol.
• You are responsible for complying with all applicable laws and regulations in your jurisdiction.
• You agree not to engage in any illegal or fraudulent activities using the protocol.

5. Limitation of Liability

To the maximum extent permitted by law:

• Bitty.io, its developers, contributors, and affiliates are not liable for any losses, damages, or liabilities arising from the use of the protocol.
• Bitty.io is not responsible for any security breaches, hacking incidents, or third-party failures.
• You agree that your use of Bitty.io is entirely at your own risk.

6. Indemnification

You agree to indemnify and hold harmless Bitty.io, its developers, contributors, and affiliates from any claims, damages, or expenses arising from:

• Your use of the protocol.
• Your violation of these Terms.
• Any third-party claims related to your activities.

7. Amendments & Termination

Bitty.io reserves the right to modify these Terms at any time. Continued use of the protocol after updates constitutes acceptance of the revised Terms.

Bitty.io may restrict access to users who violate these Terms or applicable laws.

8. Contact & Support

For any questions regarding these Terms, please contact the Bitty.io community through official channels.

By using Bitty.io, you confirm that you have read, understood, and accepted these Terms.