Terms of Service
Last Updated: March 03, 2026
IMPORTANT NOTICE
EXCEPT AS SET FORTH HEREIN, ANY AND ALL DISPUTES BETWEEN YOU AND THE COMPANY SHALL BE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION IN ACCORDANCE WITH SECTION 9 OF THESE TERMS. BY AGREEING TO THESE TERMS, YOU WAIVE YOUR RIGHTS TO RESOLVE DISPUTES IN A COURT OF LAW BY A JUDGE OR JURY AND TO PROCEED AGAINST THE COMPANY ON A CLASS OR REPRESENTATIVE BASIS.
Arbitration Clause and Class Action Waiver
Please note that these Terms contain an arbitration clause and class action waiver. By agreeing to these Terms, you agree to resolve all disputes, except as otherwise set forth in Section 9, through binding individual arbitration, which means that you waive any right to have the dispute decided by a judge or jury, and you waive any right to participate in a class action.
These Terms of Service (the "Terms") explain the terms and conditions by which you may access and use any products or services provided by World Liberty Financial LLC, a Florida limited liability company, and its affiliates and subsidiaries (referred to herein as "WLFI," "we," "our," or "us"). The products and services shall include, but shall not necessarily be limited to, (a) a website-hosted user interface located at www.worldlibertyfinancial.com, and any websites owned, published, or posted by WLFI (the "Services"), (b) any mobile software application-hosted user interface, including all variations thereof for the iOS and Android operating systems, published by WLFI (the "App" and together with the Services, the "Interface"), (c) any other products and services that link to the Interface (collectively, the "Products" ).
You must read these Terms carefully as they govern your use of the Products. By accessing or using any of the Products, you signify that you have read, understand, and agree to be bound by these Terms in their entirety. If you do not agree, you are not authorized to access or use any of our Products and should not use our Products.
1. Changes to these Terms of Service
We reserve the right, in our sole discretion, to modify these Terms from time to time. If we make any material modifications, we will notify you by updating the date at the top of the Terms and by maintaining a current version of the Terms on worldlibertyfinancial.com. You agree that it your responsibility to regularly check this website for updated Terms of Service. All modifications will be effective when they are posted, and your continued accessing or use of any of the Products will serve as confirmation of your acceptance of those modifications. If you do not agree with any modifications to these Terms, you must immediately stop accessing and using all of our Products.
We reserve the following rights, which do not constitute obligations of ours, with or without notice to you, (a) to modify, substitute, eliminate or add to any of the Products; (b) to review, modify, filter, disable, delete and remove any and all content and information from any of the Products. We will not be liable if for any reason all or any part of the Products are unavailable at any time or for any period. From time to time, we may restrict user access in certain jurisdictions or globally, to some parts or the entire part of the Interface.
2. Use of the Products
2.1 The Interface and Relationship to Third Party Service Providers
The Interface is for informational purposes only. The Interface provides a web or mobile-based means of access to decentralized protocols on various public blockchains or other independent third-party digital- asset protocols, third-party services, third-party service providers, third-party applications, third-party sites, third-party technology, and third-party APIs ("Third-Party Providers").
The Interface is distinct from those Third-Party Providers and is generally one, but not the exclusive, means of accessing those Third-Party Providers. WLFI does not control or operate any version of Third- Party Providers on any blockchain network. By using the Interface, you understand that you are not buying or selling digital assets from us and that we do not operate any liquidity pools on Dolomite or other Third-Party Provider or control trade execution on those Third-Party Providers. When users pay fees for trades or digital asset transactions, those fees consist of (i) any protocol fees that may be enabled by Dolomite or other Third-Party Provider, and (ii) liquidity provider fees that accrue directly to liquidity providers to Dolomite or other Third-Party Provider. As a general matter, WLFI is not a liquidity provider into Dolomite or other Third-Party Provider liquidity pools and liquidity providers are independent third parties.
The Interface is a purely non-custodial application, meaning we do not ever have custody, possession, or control of your digital assets at any time. To access the Interface, you must use a non-custodial wallet software, which allows you to interact with public blockchains. WLFI does not have access to your private keys. You are solely responsible for the custody of the cryptographic private keys to the digital asset wallets you hold and you should never share your wallet credentials or seed phrase with anyone. Your relationship with that non-custodial wallet provider is governed by the applicable terms of service with that third party wallet provider. We do not have possession, custody or control over the contents of your wallet or any digital assets appearing on the Interface and have no ability to retrieve or transfer its contents. By connecting your wallet to our Interface, you agree to be bound by these Terms, all of the terms incorporated herein by reference, and accept all the applicable terms, conditions, and risks that may apply to your use of Third-Party Providers. We accept no responsibility for, or liability to you, in connection with your use of a wallet and make no representations or warranties regarding how any of our Products will operate with any specific wallet. Likewise, you are solely responsible for any associated wallet and we are not liable for any acts or omissions by you in connection with or as a result of your wallet being compromised.
Your reliance on any services provided by Third-Party Providers in connection with the Products is governed on one hand by these Terms but, on the other, will also generally be subject to separate terms and conditions set forth by the applicable Third-Party Provider. Those terms and conditions may involve separate fees and charges or may include disclaimers or risk warnings about reliance on or the accuracy of any information. Such terms may also apply a privacy policy different than that which WLFI maintains and incorporates into these Terms. It is your responsibility to understand the terms and conditions of Third-Party Providers, including how those service providers use any of your information under their privacy policies.
2.2 Services Provided by Third-Party Providers
WLFI provides the Interface but does not provide the Products provided by Third Party Providers. WLFI does not provide lending or borrowing services or related transaction execution services and does not act as a lender, borrower, broker, custodian, fiduciary, or advisor. WLFI does not hold regulatory licenses to provide digital asset exchange or related services, including the lending or borrowing of digital assets or facilitating these activities. Third Party Providers are not managed or controlled in any way by WLFI. Where WLFI has included links to the websites of Third-Party Providers, it makes no representation as to whether such Third-Party Providers hold any required regulatory licenses or permissions. All lending, borrowing, liquidation, interest, collateral, and settlement activities occur directly with or through those Third-Party Providers and are outside the control of WLFI. WLFI may receive compensation from certain or all of these Third-Party Providers or otherwise. Any references to third parties should not be interpreted as a recommendation, endorsement, or sponsorship by WLFI. The views or materials provided by third parties are for informational purposes only and are not indicative of future results.
Any digital asset transactions related to WLFI Markets are conducted directly by the wallet holders with Dolomite Protocol, the digital asset trading protocol, and/or Dolomite.io, a resource for Dolomite Protocol, (collectively, "Dolomite"), a Third-Party Provider, or other Third-Party Provider. You are solely responsible for evaluating the risks of interacting with Dolomite or any other digital asset lending or borrowing arrangement. You understand that borrowing, lending, or otherwise transacting in digital assets involves significant risks, including, without limitation, the potential for complete loss of value, rapid and unforeseen changes in market prices, limited liquidity, and the possibility of automatic liquidation of collateral without notice. Digital asset protocols may rely on smart contracts, oracles, and third-party infrastructure that can fail, be hacked, or behave unpredictably, resulting in irreversible loss. By using Third-Party Providers through the Interface, you expressly agree that you have read, understand, and accept all of the applicable terms, conditions and risks that may apply to your use of those Third-Party Providers. WLFI does not guarantee performance, returns, repayment, protocol solvency, or the accuracy of third-party information, and digital assets accessed through WLFI are not insured by the FDIC, SIPC, or any governmental or other program. WLFI does not provide investment, legal, regulatory, tax, or compliance advice, and you should consult qualified professionals regarding your specific circumstances. WLFI is entitled to receive from integration and marketing fees from Dolomite. You agree to access Third- Party Providers exclusively for business purposes and do not intend to use any borrowing or lending services for personal, family, or household purposes.
Access to Dolomite through WLFI Markets and the services of any other Third Party Providers may be restricted, and are not being actively marketed or directed to, certain jurisdictions or to persons in those jurisdictions, including Australia, Canada, China, the European Union, Indonesia, New York and certain other U.S. states, the Philippines, Singapore, and the United Kingdom, or any jurisdiction where such services are not permitted by Applicable Law (the "Jurisdictions"), and should not be acted upon in any way by persons in the Jurisdictions or in circumstances not permitted by Applicable Law. WLFI has also put in place arrangements to block access to the Interface by users from certain jurisdictions, which may be changed from time to time without notice.
The issuance, redemption purchase or sale of USD1 is provided by BitGo Trust Company, Inc. and/or by BitGo Technologies LLC ("BitGo"). Additional information about USD1 and BitGo may be found on worldlibertyfinancial.com. The WLFI Trade service is a third party service provided solely by Uniswap, a Third-Party Provider, directly between wallet holders and Uniswap. The WLFI Bridge service is a third party service provided solely by Chainlink CCIP, a Third-Party Provider, directly between wallet holders and Chainlink CCIP. By accessing or using services by any Third-Party Provider, you expressly agree that you have read, understand, and accept all the applicable terms, conditions, and risks that may apply to your use of that Third-Party Provider.
2.3 Use of Third-Party Services
You agree to comply with all terms, conditions, and policies applicable to any Third-Party Providers integrated with or made available through the Interface. You acknowledge that such Third-Party Providers are owned by their respective licensors and you further agree not to take any action that would violate the applicable licensor's ownership or intellectual property rights in the Third-Party Provider.
If you authorize a Third-Party Provider to connect to your wallet and take actions on your behalf, you assume all risks associated with those connections and actions and you are ultimately responsible to us for those connections and actions. You also agree that you will not hold us responsible for, and will indemnify us against any liability arising out of or related to any act or omission of any third-party using your account or wallet credentials whether a developer or otherwise.
You, and not WLFI, will be responsible for any and all costs and charges associated with your use of any services provided by Third-Party Providers. WLFI enables access to Third-Party Providers merely as a convenience and the integration or inclusion of such Third-Party Provider does not imply an endorsement or recommendation. Any dealings you have with Third-Party Provider while using our Products are between you and the Third-Party Provider. WLFI will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any Third-Party Provider.
Some Third-Party Providers will provide us with access to certain information that you have provided to third parties, including through such services provided by Third-Party Providers, and we will use, store and disclose such information in accordance with our Privacy Policy. WLFI has no control over and is not responsible for such Third-Party Providers or their services, including for the accuracy, availability, reliability, or completeness of information shared by or available through Third-Party Providers, or on the privacy practices of Third-Party Providers.
You acknowledge and agree that WLFI is not responsible for the quality, integrity, safety, accuracy, availability, reliability, or legality of any such third-party websites, or resources contained therein, and that WLFI is not responsible or liable for any content, advertising, products, or other material available from such third-party content or services. Further, you acknowledge that WLFI shall not be responsible or liable, directly or indirectly, for any damage, harm, injury, or loss of any kind caused or alleged to be caused by, or in connection with, the use of or reliance upon any content, material, or services available through any third-party content or services.
2.4 Rewards
In connection with your historic or current use of one or more of our Products, we or Third-Party Providers may provide you certain incentives, prizes or rewards for completing certain activities ("User Rewards"). Details regarding the criteria for earning a reward will be described by us or applicable Third-Party Providers. Criteria for obtaining a reward is subject to your compliance with applicable terms, certain eligibility requirements, and Applicable Law. We and Third-Party Providers reserve the right to change, modify, discontinue or cancel any rewards programs (including the frequency and criteria for earning such User Rewards), at any time and without notice to you.
2.5 Conditions for Accessing or Using the Products
As a precondition to accessing or using the Products, you represent and warrant to WLFI the following:
If you are an individual person, then you are of legal age in the jurisdiction in which you reside, and you have the legal capacity to enter into these Terms and be bound by them.
If you are a legally-created entity, then you must have the legal authority to accept these Terms on that entity's behalf, in which case "you" (except as used in this paragraph) will mean that entity.
You are not a resident, national, or agent of any country of which the United States (including but not limited to the list maintained by the Office of Foreign Assets Control of the U.S. Department of the Treasury), the United Kingdom, or the European Union embargoes goods or imposes similar sanctions (collectively, "Restricted Territories").
You are not subject to economic or trade sanctions administered or enforced by any governmental authority; or otherwise, you are not a member of any sanctions list or equivalent maintained by the United States government, the United Kingdom government, the European Union, or the United Nations, including without limitation the U.S. Office of Foreign Asset Control ("OFAC") Specifically Designated Nationals and Blocked Person List (collectively, "Sanctions List Person").
You do intend to, and to the extent practicable, will not transact with any person in Restricted Territories or Sanctions List Person.
Your access is not (a) prohibited by and does not otherwise violate or assist you in violating any applicable statute, rule, regulation, regulatory guideline, order, law, ordinance, or code; the common law and laws of equity; any binding court order, judgment, or decree; any applicable industry code, rule, guideline, policy, or standard enforceable by law (including as a result of participation in a self-regulatory organization); and any official interpretations of any of the foregoing; this includes guidelines passed or issued by any governmental entity or any competent court, including, without limitation, regarding the Bank Secrecy Act and anti-money laundering laws, applicable privacy laws, state money transmission statutes, sanctions laws, unclaimed property laws, the Electronic Fund Transfer Act and its implementing regulations, and any other applicable regulations or operating rules (collectively, "Applicable Law"); or (b) to contribute to or facilitate any illegal activity.
You do not, and will not, use VPN software or any other privacy or anonymization tools or techniques, or other means, to circumvent, or attempt to circumvent, any restrictions that apply.
Any digital assets you use in connection with the Interface are either owned by you or you are validly authorized to carry out actions using such assets.
You possess the requisite financial and technical sophistication to use the Products, such that, without limitation, you understand the inherent risks associated with using (1) financial instruments, such as leverage, margin, debt-financed transactions, collateral, and derivatives, and (2) cryptographic and blockchain-based systems, including that you have a working knowledge of the usage and intricacies of digital assets. In particular, you understand that (i) blockchain-based transactions are irreversible, and (ii) that information obtained via third-party smart contracts, other interfaces and blockchains are subject to various potential flaws, including but not limited to inaccuracies due to delays and varying methods used to synthesize data.
As a precondition to accessing or using the Products, you acknowledge, understand, and agree to the following:
From time to time, the Products or access to Third-Party Providers may be inaccessible or inoperable for any reason, including, but not limited to: (a) equipment malfunctions; (b) periodic maintenance procedures or repairs that WLFI or any of its suppliers or contractors may undertake from time to time; (c) causes beyond WLFI's control, whether or not it could reasonably foresee such; (d) disruptions and temporary or permanent unavailability of underlying blockchain infrastructure; or (e) unavailability of third-party service providers or external partners for any reason.
The Products may evolve, which means Third-Party Providers may apply changes, replace, or discontinue (temporarily or permanently) the access at any time in their sole discretion.
The pricing information provided on the Products or on the Interface through Third-Party Provider is not necessarily current to “real time” or accurate to any particular degree, and does not represent an offer, a solicitation of an offer, or any advice.
You are solely responsible for your use of the Products and Third-Party Providers, including all of your transfers of digital assets.
To the fullest not prohibited by Applicable Law, we owe no fiduciary duties or liabilities to you or any other party, and that to the extent any such duties or liabilities may exist at law or in equity, you hereby irrevocably disclaim, waive, and eliminate those duties and liabilities.
You are solely responsible for reporting and paying any taxes applicable to your use of the Products or Third-Party Providers.
We have no control over, or liability for, the delivery, quality, safety, legality, or any other aspect of any digital assets that you may transfer to or from a third party, and we are not responsible for ensuring that an entity with whom you transact completes the transaction or is authorized to do so. If you experience a problem with any transactions in digital assets using the Products or Third-Party Providers, you bear the entire risk.
Blockchain transactions require the payment of transaction fees to the appropriate network ("Gas Fees"). You will be solely responsible to pay the Gas Fees for any transaction that you initiate via any of our Products or use of Third-Party Providers.
We reserve the right to disable or modify access to the Products or access to Third-Party Providers, at our sole discretion, from time to time and with or without prior notice to you, to prohibit, modify, suspend or disable (temporarily or permanently) your access to the Products or access to Third-Party Providers through the Interface, in whole or in part, through any means available to us, for any reason whatsoever, including, without limitation, that you have engaged in any prohibited activity specified or described in these Terms, or violated any other representation, warranty, or obligation agreed by you in these Terms. Upon termination of your access, your right to use the Products will immediately cease. Although in such event the Third-Party Provider may continue to be accessible to you on-chain or through one or more third parties, your obligations hereunder do not then cease, and you hereby agree that all representations, warranties and obligations owed by you under these Terms to WLFI will continue to be so-owed if you are terminated and continue to access the Products, or access Third-Party Providers through the Interface. WLFI will not be liable for any losses suffered by you resulting from any from any prohibition, modification, suspension, or termination, for any reason, of your access to all or any portion of the Products or access to Third-Party Providers.
3. Risks
Risk Warning
The use of technology related to blockchain, smart contracts, and cryptocurrencies, among others, entails a risk that by accessing transactions, you are assuming. WLFI does not own or control any underlying software through which blockchain networks are formed, including Third-Party Providers. The software underlying blockchain networks are open-source so anyone can use, copy, modify, and distribute it.
By using the Products, or accessing Third-Party Providers through the Interface, you acknowledge and agree:
That WLFI is not responsible for the operation of the open-source software and networks underlying the Products or Third-Party Provider and does not own or control the Third-Party Provider.
That there exists no guarantee of the functionality, security, or availability of that software and networks.
That the underlying blockchain network(s) and affiliated third-party apps and services, and Third- Party Providers, are subject to sudden updates, upgrades, or changes in operating rules or conditions, including as those events commonly referred to as “forks,” which may materially affect the Products or access to the Third-Party Providers.
You are responsible for securing your private key(s). We do not have access to your private key(s); losing control of your private key(s) will permanently and irreversibly deny you access to any blockchain-based network. Neither WLFI nor any other person or entity will be able to retrieve or protect your digital assets. If your private key(s) are lost, you will not be able to transfer your digital assets to any blockchain address or wallet. If this occurs, you will not be able to realize any value or utility from the digital assets you may hold.
You further understand that the markets for digital assets are highly volatile due to factors including (but not limited to) speculation, level of adoption, technological change, security, and regulation. You acknowledge and accept that the cost and speed of transacting through blockchain-based systems are variable and may increase dramatically at any time. You further acknowledge and accept the risk that your trading positions and/or digital assets may lose some or all of their value while they are supplied to Third-Party Providers, that you may suffer losses (including a total loss) due to hacks, exploits, the fluctuation of prices or position markings of digital assets or related instruments in a trading pair or liquidity pool, and experience significant price slippage and costs.
Transactions entered into in connection with Third-Party Providers are irreversible and final, and there are no refunds. You acknowledge and agree that you will access and use the Third-Party Providers at your own risk.
We must comply with Applicable Law, which may require us to, upon request by government agencies, take certain actions or provide information that may not be in your best interests.
Additional Risk Disclosures:
WLFI Risk DisclosuresUSD1 Risk Disclosures4. Intellectual Property
We own all intellectual property and other rights in each of our Products and their respective contents, including, but not limited to, software, text, images, trademarks, service marks, copyrights, patents, and designs. Subject to the terms of these Terms, we grant you a limited, revocable, non-exclusive, non- sublicensable, non-transferable license to access and use our Products solely in accordance with these Terms. You agree that you will not use, modify, distribute, tamper with, reverse engineer, disassemble or decompile any of our Products for any purpose other than as expressly permitted pursuant to these Terms. Except as set forth in these Terms, we grant you no rights to any of our Products, including any intellectual property rights.
You understand and acknowledge that services provided by Third-Party Providers are not Products and we do not control Third-Party Providers.
By using any of our Products, you grant us a worldwide, non-exclusive, sublicensable, royalty-free license to use, copy, modify, and display any content, including but not limited to text, materials, images, files, communications, comments, feedback, suggestions, ideas, concepts, questions, data, or otherwise, that you post on or through any of our Products for our current and future business purposes, including to provide, promote, and improve the services. You grant to us a non-exclusive, transferable, worldwide, perpetual, irrevocable, fully-paid, royalty-free license, with the right to sublicense, under any and all intellectual property rights that you own or control to use, copy, modify, create derivative works based upon any suggestions or feedback for any purpose.
You represent and warrant that you have, or have obtained, all rights, licenses, consents, permissions, power and/or authority necessary to grant the rights granted herein for any material that you list, post, promote, or display on or through any of our Products. You represent and warrant that such content does not contain material subject to copyright, trademark, publicity rights, or other intellectual property rights, unless you have necessary permission or are otherwise legally entitled to post the material and to grant us the license described above, and that the content does not violate any laws.
5. Privacy
Privacy Policy6. Prohibited Activities
6.1 Prohibited Activities
You agree that you will not, and you will not attempt to, engage in any of the following categories of prohibited activity in relation to your access and use of the Products:
Activity that seeks to defraud us or any other person or entity, including, but not limited to, providing any false, inaccurate, or misleading information in order to unlawfully obtain the property of another.
Engage in improper or abusive trading practices, including but not limited to (a) any fraudulent act or scheme to defraud, deceive, trick, or mislead; (b) trading ahead of another user of the Products or Third-Party Provider or front-running; (c) fraudulent trading; (d) accommodation trading; (e) wash trading; (f) pre-arranged or non-competitive transactions; (g) cornering; or (h) any activity that violates any Applicable Law, rule, or regulation concerning the integrity of trading markets, including, but not limited to, the manipulative tactics commonly known as “rug pulls” or pumping and dumping.
Activity that violates any Applicable Law, including those concerning the trading of securities or derivatives, including, but not limited to, the unregistered offering of securities and the offering of leveraged and margined commodity products to retail customers in the United States.
Buy, sell, or transfer stolen items, fraudulently obtained items, items taken without authorization, and/or any other illegally obtained items.
Promote or facilitate illegal activities, including but not limited to money laundering, terrorist financing, tax evasion, buying or selling illegal or counterfeit goods.
Use or access the Products for the benefit of an entity or individual subject to economic sanctions in the United States, and other appropriate jurisdictions.
Upload or transmit viruses, worms, Trojan horses, logic bombs, cancelbots, spiders, malware, or any other type of malicious or unauthorized code that will or may be used in any way that will affect the functionality or operation of the Products or the Third-Party Provider.
Activity that involves soliciting information from anyone under the age of 18 or that is otherwise harmful, threatening, abusive, harassing, tortious, excessively violent, defamatory, vulgar, obscene, sexually explicit, libelous, invasive of another's privacy, hateful, discriminatory, or otherwise objectionable.
Impersonate another user of the Products or the Third-Party Provider or otherwise misrepresent yourself or your affiliation with a person or entity.
Use the Products in any way that harms WLFI, its service providers, suppliers, affiliates, or any other user of the Products.
Activity that involves sending illegal or impermissible communications such as bulk messaging, auto- messaging, auto-dialing, and the like.
Disguise your location through IP proxying or other methods.
Attempt to gain unauthorized access to the Products, user accounts, computer systems, or networks connected to the Products.
Use any device, software or routine that interferes with the proper working of the Products or otherwise attempt to interfere with the proper working of the Products, including taking any action that, at WLFI's sole discretion, is deemed to impose an unreasonable or disproportionately large load on WLFI's infrastructure or otherwise make excessive traffic demands of the Products.
Activity that seeks to interfere with or compromise the integrity, security, or proper functioning of any computer, server, network, personal device, or other information technology system, including, but not limited to, the deployment of viruses and denial of service attacks.
Activity that infringes on or violates any copyright, trademark, service mark, patent, right of publicity, right of privacy, or other proprietary or intellectual property rights under the law.
Engage or attempt to engage or encourage, induce or assist any third party, or yourself attempt, to engage in any of the activities prohibited under this Section or any other provision of these Terms.
6.2 Digital Asset Transactions and Trading
You agree and understand that: (a) all digital asset transactions you access through the Interface are considered unsolicited, which means that they are solely initiated by you; (b) you have not received any investment advice from us in connection with any digital asset transactions; and (c) we do not conduct a suitability review of any trades or digital asset transactions.
6.3 No Fiduciary Duties
These Terms are not intended to, and do not, create or impose any fiduciary duties on us. To the fullest extent permitted by law, you acknowledge and agree that we owe no fiduciary duties or liabilities to you or any other party, and that to the extent any such duties or liabilities may exist at law or in equity, those duties and liabilities are hereby irrevocably disclaimed, waived, and eliminated. You agree that no joint venture, partnership, employment, agency, special or fiduciary relationship exists between you and WLFI as a result of these Terms or your use of the Products. You further agree that the only duties and obligations that we owe you are those set out expressly in these Terms.
6.4 Compliance and Tax Obligations
One or more of our Products may not be available or appropriate for use in your jurisdiction. By accessing or using any of our Products, you agree that you are solely and entirely responsible for compliance with all Applicable Law that may apply to you. Specifically, your use of our Products or Third-Party Providers may result in various tax consequences, such as income or capital gains tax, value-added tax, goods and services tax, or sales tax in certain jurisdictions. It is your responsibility to determine whether taxes apply to any transactions you initiate or receive and, if so, to report and/or remit the correct tax to the appropriate tax authority.
7. Regulatory Considerations
By using the Products or accessing the Third-Party Provider, you understand that WLFI is not registered or licensed by any regulatory agency or authority. No such agency or authority has reviewed or approved the use of the Products or the Third-Party Provider.
We are not registered with the U.S. Securities and Exchange Commission as a national securities exchange or in any other capacity. You understand and acknowledge that we do not broker trading orders on your behalf. We also do not facilitate the execution or settlement of your trades, which occur entirely on public distributed blockchains or through Third-Party Providers. As a result, we do not (and cannot) guarantee market best pricing or best execution through our Products or through Third-Party Providers. Any references in the Interface to "best price" does not constitute a representation or warranty about pricing available through such Interface, Third-Party Provider, or elsewhere.
We do not operate an exchange platform or offer trade execution or clearing services and have no oversight, involvement, or control concerning your transactions using the Third-Party Provider. All transactions between users of the Third-Party Provider are executed peer-to-peer directly between the users' blockchain addresses through a set of open-source smart contracts which are not controlled by WLFI.
8. Termination
We may terminate these Terms and/or your access to and use of the Interface, in our sole discretion, at any time and without notice to you. Upon any termination, discontinuation or cancellation of these Terms, the Interface or your Account, (i) all rights and/or licenses granted to you under these Terms shall immediately cease and terminate and you shall forthwith cease the use of and/or access to the Interface and content in any way whatsoever; and (ii) notwithstanding the foregoing, the following provisions will survive: Section 4 (Intellectual Property), Section 9 (Dispute Resolution), Section 10 (Governing Law and Venue), Section 11 (Severability), Section 12 (Disclaimer of Warranties), Section 13 (Limitation of Liability), and Section 14 (Miscellaneous).
9. Dispute Resolution
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. IT CONTAINS PROCEDURES FOR MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER.
Binding Individual Arbitration
Except for any disputes, claims, controversies, suits, actions, causes of action, demands or proceedings (collectively, "Disputes") in which either party seeks injunctive or other equitable relief for the alleged unlawful use of intellectual property, including, without limitation, copyrights, trademarks, trade names, logos, trade secrets or patents, you and WLFI (i) waive your and WLFI's respective rights to have any and all Disputes between the parties resolved in a court, and (ii) waive your and WLFI's respective rights to a jury trial. Instead, ANY AND ALL DISPUTES BETWEEN YOU AND WLFI MUST BE RESOLVED THROUGH BINDING ARBITRATION (which is the referral of a Dispute to one or more persons charged with reviewing the Dispute and making a final and binding determination to resolve it instead of having the Dispute decided by a judge or jury in court). Disputes subject to this provision include, without limitation, those arising from or related to (a) these Terms or the breach, termination or invalidity thereof; (b) any and all products or services sold, distributed or provided by WLFI; and (c) any and all interactions or transactions between the parties, whether heretofore or hereafter arising.
No Class Arbitrations, Class Actions, or Representative or Collective Actions
Any Dispute arising out of or related to these Terms is personal to you and WLFI and will be resolved solely through individual arbitration and will not be brought as a class arbitration, class action or any other type of representative or collective proceeding.
There will be no class arbitration or arbitration in which an individual attempts to resolve a Dispute as a representative of another individual or group of individuals. Further, a Dispute cannot be brought as a class or other type of representative action, whether within or outside of arbitration, or on behalf of any other individual or group of individuals.
Informal Dispute Resolution
The following must occur prior to and as a condition precedent to commencing a formal arbitration under these Terms. Each party will notify the other party in writing of any Dispute within thirty (30) days of the date it arises or becomes known, so that the parties can attempt in good faith to resolve the Dispute informally. Notice to WLFI shall be sent by e-mail to WLFI at [email protected]. Notice to you shall be by email to the then-current email address registered with WLFI. Your notice must include (i) your name, postal address, email address and telephone number, (ii) a description in reasonable detail of the nature or basis of the Dispute, (iii) the date of any purchase, transaction or interaction at issue, as well as relevant documentation or screen captures if available, and (iv) the specific relief that you are seeking. For a period of sixty (60) days from the date of receipt of notice by the other party, the parties agree to negotiate in good faith and in a timely manner about the Dispute, including through a minimum of one (1) telephonic dispute resolution conference. Dispute resolution conferences shall be individualized such that multiple individuals initiating claims cannot participate in the same conference, absent mutual agreement by the parties. If either party is represented by counsel, that party's counsel may participate in the dispute resolution conference, but the party also must appear at and participate in the conference.
The parties agree that any relevant limitations periods and arbitral fee(s) or other deadlines will be tolled during the sixty (60) day informal dispute resolution period. After this sixty (60) day period, the relevant limitations periods and filing fee(s) or deadlines are no longer tolled until filing is effectuated under this Section. If you and WLFI cannot agree how to resolve the Dispute within the informal dispute resolution period and after participating in the mandatory dispute resolution conference, then either you or WLFI may, as appropriate and in accordance with this Section, commence an arbitration proceeding or, to the extent specifically provided for in this Section, file a claim in court.
Arbitration Process
Except as otherwise provided in this Section for disputes concerning the use of intellectual property and those eligible to be heard in small claims court, any and all Disputes between the parties, including without limitation those arising out of or relating to these Terms, or the breach, termination or invalidity thereof, shall be resolved through binding arbitration before the American Arbitration Association ("AAA") under its applicable rules and procedures including, where applicable, its Commercial Arbitration Rules, Consumer Arbitration Rules, and Mass Arbitration Supplementary Rules and their attendant procedures and fee schedules. You can review the AAA's rules and procedures at www.adr.org/rules, or you can call the AAA at 1-800-778-7879. You or WLFI may initiate arbitration by written notice and compliance with all applicable AAA filing requirements; you may serve your individual demands on WLFI by mail at:
1200 South Pine Island Road
Plantation, FL 33324
Email: [email protected]
Absent agreement otherwise by both parties, the place of arbitration shall be Miami, Florida. The language of the arbitration shall be English. The arbitrator(s) shall have experience adjudicating matters involving Internet technology, software applications, financial transactions and, ideally, blockchain technology. The arbitrator will apply substantive law consistent with the Federal Arbitration Act (9 U.S.C. § 1 et seq., "FAA") and applicable statutes of limitations. The arbitrator's award of damages must be consistent with the terms of the "Limitation of Liability" subsection of these Terms as to the types and amounts of Liability” subsection of these Terms as to the types and amounts of damages for which a party may be held liable. IF WE HAVE A DISPUTE ARISING OUT OF OR RELATING TO THE INTERPRETATION OR APPLICATION OF THIS ARBITRATION PROVISION, INCLUDING WITHOUT LIMITATION WHETHER IT IS VALID, CAN BE ENFORCED, OR APPLIES TO OUR DISPUTE, THAT DISPUTE WILL BE RESOLVED IN ARBITRATION.
Except as may be required by law, neither a party nor its representatives may disclose the existence, content, or results of any arbitration hereunder without the prior written consent of all parties. To the extent permitted by Applicable Law, the parties shall each be responsible for their own attorneys' fees and costs associated with the arbitration.
Mass Arbitrations
In the event that 25 or more individual claims are filed by the same or coordinated counsel or are otherwise coordinated, counsel for the claimants and counsel for the respondent shall each select five (5) cases (per side) to proceed in individual arbitral proceedings as part of a batching process. Any remaining claims that have complied with the procedures in this Section shall not be filed or deemed filed in arbitration, nor shall any arbitration fees be assessed in connection with those claims, until they are selected to be filed as part of this batching process. At the outset of disputes under this provision, you and WLFI agree to delegate to a Process Arbitrator all matters listed as within the scope of a Process Arbitrator's authority under the AAA Mass Arbitration Supplementary Rules, as well as disagreements concerning the validity, enforceability, and applicability of these terms, and any other matters that the parties mutually agree to delegate.
During the batching process, a single arbitrator shall preside over each batch of cases. After decisions have been rendered in the first ten (10) cases, WLFI and all claimants shall engage in a global mediation in an attempt to resolve the remaining cases with the benefit of the decisions in the first batch of cases. If the parties are unable to resolve the remaining cases after the mediation, each side shall select another ten (10) cases (per side) to proceed to individual arbitral proceedings as part of a second batching process. The parties may, but are not required to, agree in writing to modify the number of cases to be included at each stage of the batching process. After decisions have been rendered in this second batch of cases, WLFI and all claimants shall engage in a second global mediation in an attempt to resolve the remaining cases with the benefit of the decisions in the first two (2) batches of cases. If the parties have not resolved the remaining disputes at the close of the second global mediation, WLFI or any individual claimant(s) whose claim has not been adjudicated may elect to opt out of arbitration by providing notice to the other party, and if the claimant or WLFI wishes to proceed with the claim they may file an individual (non-class, non-representative) action in court. If WLFI or any claimant(s) do not opt out, those remaining claims will proceed in arbitration in continued batches of one-hundred (100) claimants per batch (to the extent there are fewer than one-hundred (100) claimants outstanding, a final batch will consist of the remaining claimants). This batching process shall in no way be interpreted as authorizing class or representative arbitration or litigation of any kind. In order to increase the efficiency of the administration and resolution of arbitrations, and if consistent with the relevant rules and procedures, the arbitral tribunal shall: (i) designate a single arbitrator for each batch; (ii) provide for a single filing fee due per side per batch; and (iii) allow joint conferences and joint hearings, and such other coordinated procedures as the arbitrator deems appropriate. The applicable limitations period(s) and filing fee deadlines shall be tolled for each claim subject to this Section from the time that the arbitral filing requirements are satisfied with respect to that claim. A court shall have authority to enforce these mass arbitration provisions and, if necessary, to enjoin a court or arbitral filing in violation thereof.
Severability of Dispute Resolution; Arbitration
The agreement to arbitrate contained in this Section shall continue in full force and effect despite the expiration or termination of these or other related terms. If any term, clause or provision of this Section is held invalid or unenforceable, it will be held to the minimum extent required by law, and all other terms, clauses and provisions of this Section will remain valid and enforceable. Further, the waivers set forth in Section are severable from the other provisions of these Terms and will remain valid and enforceable, except as prohibited by Applicable Law.
10. Governing Law and Venue
These Terms, and all questions concerning the construction, validity, enforcement and interpretation thereof, will be governed by and construed and enforced in accordance with the laws of the State of Delaware, without regard to conflict of law rules or principles (whether of Delaware or any other jurisdiction) that would cause the application of the laws of any other jurisdiction. The arbitration agreement in these Terms is governed by the FAA, including its procedural provisions, in all respects. State arbitration laws do not govern in any respect. The arbitrator will apply substantive law consistent with the FAA and the applicable statute(s) of limitations. Further, you and WLFI each agree that the Terms evidence a transaction involving interstate commerce and will be governed by and construed in accordance with federal law to the fullest extent possible. Any Dispute between the parties arising out of or relating to these Terms that is not subject to arbitration or cannot be heard in small claims court will be resolved and filed only in the courts of Miami, Florida. You hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of these Terms.
11. Severability
If any term, clause, or provision of these Terms is held to be illegal, invalid, void, or unenforceable (in whole or in part), then such term, clause, or provision shall be severable from these Terms without affecting the validity or enforceability of any remaining part of that term, clause, or provision, or any other term, clause, or provision in these Terms, which will remain in full force and effect. Any invalid or unenforceable provisions will be interpreted to affect the intent of the original provisions. If such construction is not possible, the invalid or unenforceable provision will be severed from these Terms, but the rest of these Terms will remain in full force and effect.
12. Disclaimer of Warranties
YOU EXPRESSLY AGREE THAT USE OF THE PRODUCTS ARE AT YOUR SOLE RISK. THE PRODUCTS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS ONLY. THE COMPANY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE OR PURPOSE, NON-INFRINGEMENT, TITLE, OPERABILITY, CONDITION, QUIET ENJOYMENT, VALUE, ACCURACY OF DATA, AND SYSTEM INTEGRATION.
13. Limitations on Liability
LIMITATION OF DAMAGES
TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT WILL THE COMPANY OR ANY OF ITS OFFICERS, EMPLOYEES, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, OR LICENSORS BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL, ACTUAL, TREBLE, PUNITIVE, AND/OR EXEMPLARY DAMAGES (INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUES, GOODWILL, USE OR DATA, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE, COST OF SUBSTITUTE PRODUCTS OR SERVICES, BODILY INJURY, OR DEATH OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR RELATED IN ANY WAY TO YOUR USE OF THE PRODUCTS, REGARDLESS OF WHETHER SUCH DAMAGES ARE UNDER THEORY OF BREACH OF CONTRACT, TORT, NEGLIGENCE, CONTRACT, WARRANTY, STATUTE, STRICT LIABILITY, OR OTHERWISE, EVEN IF WE OR THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING CONTRARY CONTAINED HEREIN, THE COMPANY';S LIABILITY TO YOU ARISING FROM THESE TERMS, THE USE OF OR INABILITY TO USE THE PRODUCTS, WILL AT ALL TIMES BE LIMITED TO THE GREATER OF $5,000 USD OR THE AMOUNT PAID BY YOU TO THE COMPANY FOR ACCESS TO AND USE OF THE PRODUCTS.
YOU RELEASE THE COMPANY AND HOLD IT AND ITS THIRD-PARTY TECHNOLOGY PLATFORM PROVIDER, SUPPLIERS, AND THIRD-PARTY PROVIDERS, AND ANY THIRD-PARTY WHO PROMOTES THE PRODUCTS OR PROVIDES YOU WITH A LINK TO THE PRODUCTS, HARMLESS FROM ANY AND ALL CLAIMS, DEMANDS, AND DAMAGES OF EVERY KIND AND NATURE AS CITED ABOVE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE PRODUCTS. YOU WAIVE THE PROVISION OF ANY STATE OR LOCAL LAW LIMITING OR PROHIBITING A GENERAL RELEASE.
YOU EXPRESSLY AGREE THAT YOU ASSUME ALL RISKS IN CONNECTION WITH YOUR ACCESS AND USE OF ANY OF OUR PRODUCTS. YOU FURTHER EXPRESSLY WAIVE AND RELEASE US FROM ANY AND ALL LIABILITY, CLAIMS, CAUSES OF ACTION, OR DAMAGES ARISING FROM OR IN ANY WAY RELATING TO YOUR USE OF ANY OF OUR PRODUCTS. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE THE BENEFITS AND PROTECTIONS OF CALIFORNIA CIVIL CODE § 1542, WHICH PROVIDES: "[A] GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY."
14. Miscellaneous
These Terms, as well as applicable terms on worldlibertyfinancial.com, constitute the entire agreement between you and us relating to your use or access to the Products. We may assign our rights and obligations under these Terms. The Terms, and any rights or obligations under them, are not assignable, transferable or sublicensable by you except with WLFI's prior written consent, but may be assigned or transferred by us without restriction. Any attempted assignment by you without WLFI's prior written consent shall violate these Terms and be void.
Our failure to exercise or enforce any right or provision of these Terms will not operate as a waiver of such right or provision. We will not be liable for any delay or failure to perform any obligation under these Terms where the delay or failure results from any cause beyond our reasonable control.
Except as otherwise provided in herein, these Terms are intended solely for the benefit of you and us and are not intended to confer third-party beneficiary rights upon any other person or entity. You agree and acknowledge that all agreements, notices, disclosures, and other communications that we provide to you, including these Terms, will be provided in electronic form.
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