Terms of Service

By using AggreLend, you agree to these Terms of Service, which reflect our commitment to security, transparency, and user-first design. Our goal is to provide a seamless, decentralized experience that empowers users to earn optimal yield without compromising control, trust, or efficiency.

Effective date: July 22, 2025
Entity: AggreLabs LLC (USA)

Table of Contents

1. Acceptance of Terms
2. Eligibility & Access
3. Wallet Connection & Deposits
4. Withdrawals and Redemptions
5. Fee Structure and Future Changes
6. Fund Raising & Token Generation Event
7. Risk Acknowledgment and Disclaimers
8. Third-Party Protocols and Integrations
9. Intellectual Property Rights
10. Privacy and Data Protection
11. Indemnification
12. Disclaimer of Warranties
13. Limitation of Liability
14. Severability and Waiver
15. Complaints and Support

1. Acceptance of Terms

These Terms of Service (“Terms”) govern your access to and use of the AggreLend platform (the “Platform”), operated by AggreLabs LLC (“we,” “us,” “our”). By accessing or using the Platform—including browsing the website, connecting a wallet, or submitting on-chain transactions—you agree to be bound by these Terms. If you do not agree, discontinue use immediately.

2. Eligibility & Access

AggreLend is a global, decentralized protocol available to users except where prohibited by applicable law, including jurisdictions subject to comprehensive OFAC and similar sanctions. By using the Platform you represent that:

• You are not located in a prohibited jurisdiction.
• You are at least the age of majority in your jurisdiction.
• Your use is lawful where you reside.

We do not require KYC/AML; authentication is performed through your self-custody Solana wallet. Access to the hosted website may be restricted for compliance; this does not affect the permissionless nature of on-chain smart contracts.

3. Wallet Connection & Deposits

To interact with AggreLend, connect a compatible Solana wallet (e.g., Phantom, Solflare). When you deposit supported tokens—currently including USDC, USDT, SOL, WBTC, WETH, and other major SPL assets—your funds are supplied to the AggreLend program, which routes deposits to supported lend-only markets.

• The routing logic is automated and non-custodial; you retain control through your wallet approvals.
• You are responsible for verifying token compatibility, network state, and transaction details before signing.

4. Withdrawals and Redemptions

You may withdraw at any time, subject to Solana network confirmation and venue availability:

• No AggreLend-imposed lockups or redemption penalties.
• You must maintain sufficient SOL for network fees.
• Ensure your wallet can receive the selected token and that you review the transaction before approving.

If optimization is in-flight during a withdrawal, the transaction may wait for re-try or fail safely; you can re-submit once conditions stabilize.

5. Fee Structure and Future Changes

• No protocol fees today. There are no deposit, withdrawal, management, or performance fees at present.
• Solana rent: Opening a position incurs a 0.00161 SOL refundable rent deposit for the position’s PDA. The entire amount is returned automatically on position close.
• Future performance fee: We may introduce a performance fee on yield only. Any change will be announced at least 30 days in advance via on-site notice (and, where applicable, email).

By continuing to use the Platform after new fees take effect, you agree to the then-current fee schedule.

6. Fund Raising & Token Generation Event

AggreLend may conduct community fundraising (e.g., AggreGators NFT) and a Token Generation Event (TGE) in the future. Participation will be governed by separate terms specifying eligibility, allocation, vesting, and disclosures. Those terms will control in case of conflict for those events.

7. Risk Acknowledgment and Disclaimers

Using DeFi involves inherent risks. You acknowledge that:

• Smart contracts and blockchain networks can have vulnerabilities, partial failures, or congestion.
• Market conditions can change rapidly, affecting yields and venue parameters.
• Losses can occur due to third-party protocol issues beyond AggreLend’s control.

We use audits, conservative routing, and a lend-only surface, but no system is risk-free. Nothing on the Platform constitutes investment, financial, legal, or tax advice. Make your own independent decisions and consult advisors as needed.

8. Third-Party Protocols and Integrations

AggreLend interacts via CPI with third-party Solana lending protocols (e.g., Kamino Finance families, Drift deposit legs, MarginFi, Save/Solend, DeFiTuna). These are independent systems:

• We do not control or guarantee third-party code, parameters, rewards, or uptime.
• Your use of those protocols—directly or through routing—is at your own risk.
• AggreLend integrates only deposit/lend legs and avoids leverage-based products.

We may add, down-weight, pause, or remove integrations at our discretion for safety.

9. Intellectual Property Rights

The website, documentation, brand assets, and other materials are the property of AggreLabs LLC or licensors and are protected by applicable IP laws. You may use them solely to access the Platform consistent with these Terms. Unauthorized reproduction, modification, distribution, or derivative works are prohibited.

10. Privacy and Data Protection

Our Privacy Policy explains what we collect (minimal website analytics, communications opt-ins), how we use it, and your choices. By using the Platform, you consent to processing as described there. On-chain activity is public and immutable by design.

• See: /legal/privacy-policy (or the link in the sidebar)

11. Indemnification

To the fullest extent permitted by law, you agree to indemnify and hold harmless AggreLabs LLC, affiliates, and personnel from any claims, losses, liabilities, damages, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your breach of these Terms,
• Your use or misuse of the Platform,
• Your violation of any law or third-party right,
• Your negligence or misconduct.

12. Disclaimer of Warranties

The Platform is provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties—express, implied, or statutory—including merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant uninterrupted, error-free, or secure operation.

13. Limitation of Liability

To the maximum extent permitted by law, AggreLabs LLC and its affiliates will not be liable for indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenues, data, goodwill, or other intangible losses, arising from or related to your use of the Platform. Your sole remedy for dissatisfaction is to stop using the Platform.

Some jurisdictions do not allow certain limitations; in those cases, liability will be limited to the greatest extent permitted by law.

14. Severability and Waiver

If any provision is found invalid or unenforceable, it will be enforced to the maximum permissible extent, and the remaining provisions will remain in full force. Our failure to enforce a provision is not a waiver. These Terms are governed by the laws of the United States (conflict-of-law rules excluded). You agree to exclusive jurisdiction and venue in courts located in the United States.

15. Complaints and Support

We aim to respond promptly and helpfully. For questions, concerns, or complaints, contact:

• Email: info@aggrelend.com

We generally acknowledge inquiries within three business days.

Updates to These Terms

We may update these Terms from time to time. Material changes will be announced on-site (and, where applicable, via email). Continued use after the effective date constitutes acceptance of the updated Terms.