WEBSITE TERMS OF USE

Who we are and how to contact us

The site is owned and operated by defi.com, Inc., incorporated in the State of Delaware, USA with its registered number 6627680 and its registered office at 1209 Orange Street, City of Wilmington, County of New Castle, 19801, USA (the “Company”, “we”, “us” or “our”).

If you would like to contact us for any reason, please do so using the following details:

• Address: 1209 Orange Street, City of Wilmington, County of New Castle, 19801, USA
• Email: legal@defi.com

By using our site you accept these terms

By using our site, you confirm that you accept these terms and that you agree to comply with them. If you do not agree to these terms, you must not use our site. We recommend that you print a copy of these terms for future reference.

There are other terms that may apply to you

These terms refer to the following additional terms, which also apply to your use of our site:

• Our Privacy Notice, explains how we process personal data.
• Our Cookie Policy, explains our use of cookies, pixels and similar technologies.

These terms do not constitute consent to non-essential analytics or advertising technologies. We request and record any required consent separately through our consent-management tool.

If you purchase products or services from our site, additional terms and conditions will apply.

We may make changes to these terms

We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time, as your use of the site will be subject to the most recent version of these terms available on the site.

We may make changes to our site

We may update and change our site from time to time, for example to reflect changes to our services and products, our users’ needs and our business priorities. We will try to give you reasonable notice of any major changes via the site.

We may suspend or withdraw our site

Our site is currently made available free of charge, although we reserve the right to charge for access to the site in the future.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted or error-free. We may suspend, withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms and other applicable terms and conditions, and that they comply with them.

We may transfer this agreement to someone else

We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.

Location of users

Our site is directed only to people resident in jurisdictions where the products and services we provide via our site are permitted and do not breach applicable law. For the avoidance of doubt, our site is not directed at people resident in any country or territory which appears on the sanctions lists of the Office of Foreign Assets Control of the U.S. Department of Treasury (“OFAC”), United Nations Security Council (“UNSC”), His Majesty’s Treasury (“HMT”) or any other relevant sanctions list.

Your account and defi ID™ registration

To register a defi ID™ using our site, you must create an account using either your email address or by linking your Apple Account, Google account, X account, LinkedIn account, or your existing digital wallet. You will be sent a one-time access code by email to verify your account.

You must treat any authentication code, password or other security information as confidential and must not disclose it to any third party.

If you know or suspect that anyone other than you knows your authentication code, password, or other security information, you must promptly notify us at support@defi.com.

We are not liable for any loss as a result of another person using your authentication code, password, or other security information. We are entitled to treat any instruction from such as person as being made by you. Notwithstanding this fact, if we believe that an instruction is not authorised by you we shall have no obligation to act in accordance with it, and shall have no liability as a result.

Once your account has been verified, you will be able to register your defi ID™.

We have the right to disable any defi ID™, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms.

We may contact you via email following the registration of your defi ID™.

You may, by sharing your unique referral link or following such other process as indicated by us, refer persons to us who may be interested in registering a defi ID™. However, please note that the registration of a defi ID™ by a person using your referral link, does not entitle you or the referee to any reward, incentive, or other benefit, the provision of which shall remain entirely at our sole discretion.

How you may use material on our site

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged (except where the content is user-generated).

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy, download, share or repost any part of our site in breach of these terms, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made (except that you are permitted to print off a copy of these terms).

No text or data mining, or web scraping

You shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to our site or any services provided via, or in relation to, our site for any purpose. This includes using (or permitting, authorising or attempting the use of):

• Any “robot”, “bot”, “spider”, “scraper” or other automated device, program, tool, algorithm, code, process or methodology to access, obtain, copy, monitor or republish any portion of our site or any data, content, information or services accessed via the same.
• Any automated analytical technique aimed at analysing text and data in digital form to generate information which includes but is not limited to patterns, trends and correlations.

The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of Digital Copyright Directive ((EU) 2019/790).

You shall not use, and we do not consent to the use of, our site, or any data published by, or contained in, or accessible via, our site or any services provided via, or in relation to, our site for the purposes of developing, training, fine-tuning or validating any AI system or model.

This clause shall not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under the laws which are applicable to us.

This site, its content and any services provided in relation to the same are only targeted to, and intended for use by, individuals located in those jurisdictions where the products and services we provide via our site are permitted (each, a “Permitted Territory”). By continuing to access, view or make use of this site and any related content and services, you hereby warrant and represent to us that you are located in a Permitted Territory. If you are not located in a Permitted Territory, you must immediately discontinue use of this site and any related content and services.

Rules about linking to our site

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site in any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy (see Schedule 1).

If you wish to link to or make any use of content on our site other than that set out above, please contact marketing@defi.com.

Our trade marks are registered

“” and “” and “defi id” are trade marks owned by entities within our corporate group. You are not permitted to use them without approval from the relevant owning entity, except where that entity has specifically consented to this in writing.

Do not rely on information on this site

The content on our site is provided by us for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

How to complain about content

If you wish to complain about content on the site, please contact us via legal@defi.com.

We are not responsible for websites we link to

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

We have no control over the contents of those sites or resources.

We are not responsible for the actions or inactions of third-party providers

Our site may interact with software provided by third parties, including in connection with any products or services we may provide from time to time. By using our site, you accept that we are not responsible for any actions taken by or issues arising from such third-party providers.

We are not responsible for viruses and you must not introduce them

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Our responsibility for loss or damage suffered by you

Whether you are a consumer or a business user:

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

Limitations and exclusions of liability will apply to liability arising as a result of our supply of products and services to you, which will be set out in the relevant terms applicable to that service.

If you are a business user:

We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.

We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

• use of, or inability to use, our site; or
• use of or reliance on any content displayed on our site.

In particular, we will not be liable for:

• loss of profits, sales, business, or revenue;
• business interruption;
• loss of anticipated savings;
• loss of business opportunity, goodwill or reputation; or
• any indirect or consequential loss or damage.

If you are a consumer user:

We only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place any minimum system requirements advised by us.

How we may use your personal information

We process personal information as described in our Privacy Notice and use cookies and similar technologies as described in our Cookie Policy. You can manage non-essential technologies through Cookie Settings.

Novation

In the event that we appoint another entity to take over all or some of our rights and obligations under these terms (the “New Entity”), we may transfer by way of novation all or some of our rights and obligations under these terms to the New Entity and you consent to such novation. As soon as reasonably practicable following such novation, we shall notify you in writing of the effective date of such novation. From such effective date, all references in these terms to the “Company”, “we”, “us” or “our” shall be deemed to be references to the New Entity.

Which country’s laws apply to any disputes?

Subject to any mandatory provisions of the applicable law of your domicile:

• these Terms, their subject matter and their formation, and any non-contractual obligations arising out of or in connection with them are governed by the laws of England and Wales; and
• the courts of England and Wales have exclusive jurisdiction to determine any dispute arising out of or in connection with this Agreement, including in relation to any non-contractual obligations.

Prohibited uses

You may not use our site:

• In any way that breaches any applicable local, national or international law or regulation.
• In any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect.
• For the purpose of harming or attempting to harm minors in any way.
• To bully, insult, intimidate or humiliate any person.
• To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards (see below).
• To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
• To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
• To upload terrorist content.

You also agree:

• Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our terms.
• Not to access without authority, interfere with, damage or disrupt:
  • any part of our site;
  • any equipment or network on which our site is stored;
  • any software used in the provision of our site; or
  • any equipment, network or software owned or used by any third party.

Content standards

These content standards apply to any and all material which you contribute (including your defi ID™) to our site (a “Contribution”), and to any interactive services associated with it.

The Content Standards must be complied with in spirit as well as to the letter. The standards apply to each part of any Contribution as well as to its whole. We will determine, at our discretion, whether a Contribution breaches the Content Standards.

A Contribution must:

• Be accurate (where it states facts).
• Be genuinely held (where it states opinions).
• Comply with the law applicable in England and Wales and in any country from which it is posted.

A Contribution must not:

• Be defamatory of any person.
• Be obscene, offensive, hateful or inflammatory.
• Bully, insult, intimidate or humiliate.
• Promote sexually explicit material.
• Include child sexual abuse material.
• Promote violence.
• Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.
• Infringe any copyright, database right or trade mark of any other person.
• Be likely to deceive any person.
• Breach any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
• Promote any illegal content or activity.
• Be in contempt of court.
• Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety.
• Be likely to harass, upset, embarrass, alarm or annoy any other person.
• Impersonate any person or misrepresent your identity or affiliation with any person.
• Give the impression that the Contribution emanates from defi.com, Inc., if this is not the case.
• Advocate, promote, incite any party to commit, or assist any unlawful or criminal act such as (by way of example only) copyright infringement or computer misuse.
• Contain a statement which you know or believe, or have reasonable grounds for believing, that members of the public to whom the statement is, or is to be, published are likely to understand as a direct or indirect encouragement or other inducement to the commission, preparation or instigation of acts of terrorism.
• Contain any advertising or promote any services or web links to other sites, except to the extent specifically permitted by us in writing.

Breach of this policy

When we consider that a breach of this Acceptable Use Policy has occurred, we may take such action as we deem appropriate.

Failure to comply with this Acceptable Use Policy constitutes a material breach of the terms upon which you are permitted to use our site, and may result in our taking all or any of the following actions:

• Immediate, temporary or permanent withdrawal of your right to use our site.
• Immediate, temporary or permanent removal of any Contribution uploaded by you to our site.
• Issue of a warning to you.
• Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
• Further legal action against you.
• Disclosure of such information to law enforcement authorities as we reasonably feel is necessary or as required by law.

We exclude our liability for all action we may take in response to breaches of this Acceptable Use Policy. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.