> For the complete documentation index, see [llms.txt](https://nysa-finance.gitbook.io/nysa/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://nysa-finance.gitbook.io/nysa/protocol-info/term-of-service.md). # Term Of Service ## 1. Introduction and Parties These Terms of Service and User Agreement (the "Terms" or "Agreement") govern your access to and use of the Nysa Finance protocol, website, application, and all associated services (collectively, the "Platform"). These Terms are entered into between you ("User", "you", "your") and Hirundo Technologies s.r.l.s. ("Nysa Finance", "the Company", "we", "us", "our"). Nysa Finance is a decentralized finance (DeFi) lending and borrowing protocol designed to bridge tokenized Real World Assets ("RWAs") — including tokenized equities, commodities, precious metals, and bonds — with on-chain crypto liquidity. The Protocol is built on Aave V3 EVM-compatible smart contract architecture and incorporates an artificial intelligence and machine learning ("AI/ML") module for borrow-amount optimization, as well as a Smart Dollar-Cost Averaging ("Smart DCA") feature for automated capital management. These Terms have been prepared in alignment with the Company’s Compliance and Regulatory Strategy, including its phased roadmap toward full authorization under the EU Markets in Crypto-Assets Regulation ("MiCA"), applicable Anti-Money Laundering ("AML") frameworks, and relevant international financial regulatory obligations. They form a core component of the Company’s Soft Compliance framework and are intended to demonstrate the Company’s commitment to legal accountability, regulatory transparency, and responsible protocol governance. ### 1.1 Contact Information * Company Name: Hirundo Technologies s.r.l.s * Website: * Email: * Compliance Inquiries: ## 2. Acceptance of Terms By taking any of the following actions, you confirm that you have read, understood, and agree to be legally bound by these Terms in their entirety: * Accessing or visiting the Nysa Finance website at * Connecting a cryptocurrency wallet to the Platform * Depositing, borrowing, lending, or otherwise interacting with the Protocol’s smart contracts * Using the AI/ML borrow recommendation module or Smart DCA feature * Participating in any testnet, beta, or pre-launch activities * Subscribing to communications, newsletters, or partner programs from Nysa Finance If you are using the Platform on behalf of a legal entity, you represent and warrant that you have the authority to bind that entity to these Terms and that the entity accepts these Terms. These Terms may be updated periodically. Continued use of the Platform following any modification constitutes acceptance of the revised Terms. It is your responsibility to review these Terms regularly. The date of the most recent revision will always be indicated at the top of this document. ## 3. Eligibility and Prohibited Users ### 3.1 General Eligibility Requirements To be eligible to use the Platform, you must satisfy all of the following conditions at all times during your use: * You must be at least 18 years of age, or the age of majority in your jurisdiction, whichever is higher. * You must have full legal capacity to enter into binding contracts under the laws of your jurisdiction. * You must not be accessing the Platform from a Prohibited Jurisdiction (as defined in Section 3.3). * You must not be a Prohibited Person (as defined in Section 3.2). * Your use of the Platform must not violate any applicable local, national, or international laws or regulations. * You must not be subject to any sanctions, debarment, or similar measures imposed by a competent authority. ### 3.2 Prohibited Persons The following persons and entities are expressly prohibited from using the Platform and are granted no rights under these Terms. Nysa Finance reserves the right to refuse service to any person or entity in the following categories, without prior notice and without liability: * Any individual or entity appearing on the U.S. Office of Foreign Assets Control ("OFAC") Specially Designated Nationals and Blocked Persons ("SDN") list; * Any individual or entity subject to sanctions administered or enforced by the European Union, the United Nations Security Council, His Majesty’s Treasury of the United Kingdom, or any other relevant sanctions authority; * Any individual or entity that is owned or controlled, directly or indirectly, by a sanctioned person or entity; * Any individual acting on behalf of, or for the benefit of, a Prohibited Person; * Any person who has previously been barred from using the Platform by Nysa Finance for violations of these Terms or any applicable policy; * Any entity incorporated in or operating under the laws of a Prohibited Jurisdiction. ### 3.3 Prohibited Jurisdictions The Platform is not available to, and may not be used by, persons or entities located in, resident in, or subject to the laws of the following jurisdictions ("Prohibited Jurisdictions"): * Islamic Republic of Iran * Democratic People’s Republic of Korea (North Korea) * Russian Federation * Syrian Arab Republic * Republic of Cuba * Republic of Belarus * United States of America * Canada * Any other jurisdiction subject to comprehensive OFAC sanctions, EU restrictive measures, or UN Security Council sanctions at the time of access Nysa Finance implements technical measures including IP-based geofencing, wallet-screening and real-time monitoring systems to restrict access from Prohibited Jurisdictions. These technical measures represent a reasonable effort at enforcement. However, the ultimate responsibility for compliance with these restrictions rests with the User. Circumventing these measures via VPN, proxy, or other technical means in order to access the Platform from a Prohibited Jurisdiction is strictly prohibited and constitutes a material breach of these Terms. Nysa Finance further reserves the right to restrict or limit access to users in additional jurisdictions based on evolving legal analysis, partner requirements, or regulatory developments, including but not limited to the United States of America and the United Kingdom, pending resolution of applicable regulatory frameworks. Notice of any such additional restrictions will be published on the Platform. ## 4. Protocol Description and Nature of Services ### 4.1 Non-Custodial Lending and Borrowing Protocol Nysa Finance operates as a non-custodial, permissionless decentralized finance protocol. The Platform enables users to: * Deposit tokenized Real World Assets as collateral, including tokenized equities, commodities, precious metals, and bonds ("RWA Collateral"); * Borrow cryptocurrency assets against deposited RWA Collateral without disposing of the underlying asset; * Supply liquidity to lending pools and earn yield on supplied assets; * Utilize the AI/ML Borrow Recommendation Module to receive algorithmically generated suggestions for optimal borrow amounts; * Use the Smart DCA feature for automated, AI-driven capital reallocation and yield optimization. ### 4.2 Non-Custodial Architecture Nysa Finance does not take custody of your assets at any time. All interactions with the Protocol occur through self-executing smart contracts deployed on EVM-compatible blockchain networks. Nysa Finance does not hold, control, or have access to your private keys, wallet credentials, or crypto-assets. You remain solely responsible for the management and security of your wallet and private keys at all times. ### 4.3 AI/ML Module and Smart DCA The AI/ML Borrow Recommendation Module provides algorithmically calculated suggestions for optimal borrow amounts based on asset risk profiles and market conditions. Smart DCA provides automated capital reallocation based on market performance signals. **IMPORTANT:** All outputs, recommendations, and suggestions generated by the AI/ML module and Smart DCA feature are provided for informational purposes only. They do not constitute financial advice, investment advice, or any other form of regulated advisory service. Nysa Finance makes no representations or warranties as to the accuracy, completeness, or fitness for purpose of any AI-generated output. Users are solely responsible for their own financial decisions and must independently verify any recommendation before acting upon it. AI-generated recommendations may be subject to increasing regulatory scrutiny, and the scope of this feature may be modified to comply with applicable regulations without prior notice. ### 4.4 Aave V3 Architecture The Protocol is built upon the Aave V3 open-source smart contract framework. While Nysa Finance has implemented customizations and enhancements, including its AI/ML module, Smart DCA functionality, and Sentinel Guardian monitoring system, the underlying infrastructure inherits the architecture and established security properties of the Aave V3 protocol. Users should independently review all applicable documentation. ## 5. Risk Diclosures **USING THE PLATFORM INVOLVES SIGNIFICANT FINANCIAL RISK. YOU SHOULD NOT USE THE PLATFORM WITH FUNDS YOU CANNOT AFFORD TO LOSE. THE FOLLOWING RISK DISCLOSURES ARE NOT EXHAUSTIVE. BY USING THE PLATFORM, YOU ACKNOWLEDGE AND ACCEPT ALL RISKS ASSOCIATED WITH DECENTRALIZED FINANCE PROTOCOLS.** ### 5.1 Smart Contract Risk The Protocol operates through smart contracts. Smart contracts may contain bugs, vulnerabilities, or exploits that could result in partial or total loss of your deposited assets. While Nysa Finance will launch with an independent smart contract security audits and a penetration test conducted by separate auditing firms, no audit can guarantee the complete absence of vulnerabilities. Smart contract code, once deployed, may be immutable or subject to governance-controlled upgrades. ### 5.2 Liquidation Risk If the value of your collateral falls below the required collateralization ratio — whether due to a decline in the value of deposited RWA Collateral, an increase in the value of borrowed assets, or changes in protocol parameters — your position may be subject to automated liquidation. Liquidation results in the partial or full loss of your collateral. The AI/ML Borrow Recommendation Module is designed to minimize liquidation risk but cannot eliminate it. Users are responsible for actively monitoring their collateralization ratios. ### 5.3 Real World Asset and Tokenization Risk RWA Collateral accepted by the Protocol involves tokenized representations of real-world financial instruments. Risks specific to RWAs include: * Counterparty risk associated with the issuer of the tokenized asset; * Custodial and settlement risk in the underlying real-world asset; * De-pegging or valuation discrepancies between the tokenized representation and the underlying asset; * Regulatory risk including the potential re-classification of tokenized assets as regulated financial instruments under applicable securities law; * Liquidity risk in thin or illiquid RWA markets. ### 5.4 Market and Volatility Risk Cryptocurrency and RWA markets are highly volatile. Asset prices may fluctuate materially in short timeframes. The Smart DCA feature dynamically reallocates capital based on market signals; however, no algorithmic strategy guarantees positive returns or prevents losses under all market conditions. ### 5.5 Regulatory and Legal Risk The regulatory environment for DeFi protocols, tokenized assets, and AI-driven financial services is evolving rapidly across all major jurisdictions. New regulations, enforcement actions, or changes to existing frameworks may materially affect the availability, functionality, or legality of the Platform or specific features in your jurisdiction. Nysa Finance is actively pursuing regulatory compliance under the EU MiCA framework and other applicable regimes; however, regulatory outcomes cannot be guaranteed. Users are responsible for ensuring that their use of the Platform complies with the laws of their own jurisdiction. ### 5.6 Technology and Infrastructure Risk The Platform may be subject to blockchain network congestion, high gas fees, oracle failures, front-running, MEV (Maximal/Maximum Extractable Value) exploitation, bridge vulnerabilities (where applicable), or other technical failures. Nysa Finance’s Sentinel Guardian monitoring system provides 24/7 automated detection and response capabilities but cannot guarantee the prevention of all adverse events. ### 5.7 Testnet and Pre-Launch Risk The Platform is currently in testnet phase. Testnet functionality, features, and asset configurations may differ materially from the final mainnet release. Assets used in testnet may have no real-world value. Features available in testnet may be modified, removed, or replaced before mainnet launch without notice. ### 5.8 No Insurance or Deposit Guarantee Assets deposited on the Platform are not covered by any deposit insurance, guarantee, or compensation scheme, including but not limited to the EU’s Deposit Guarantee Schemes Directive or any equivalent national program. In the event of a protocol exploit, smart contract failure, or insolvency, deposited assets may be partially or entirely unrecoverable. ## 6. User Obligations and Representations By using the Platform, you represent, warrant, and covenant to Nysa Finance as follows: ### 6.1 Identity and Compliance Representations * You are not a Prohibited Person and are not located in or subject to the laws of a Prohibited Jurisdiction, as defined in Section 3. * You are not using a VPN, proxy service, or other technical means to circumvent geographic or jurisdictional restrictions imposed by the Platform. * You have complied with and will continue to comply with all applicable laws, regulations, and tax obligations in connection with your use of the Platform. * You have conducted your own independent assessment of the legal status of the Platform and its features in your jurisdiction, and you are satisfied that your use of the Platform is lawful. ### 6.2 Financial Representations * You are financially and technically capable of assessing the risks described in Section 5 and bearing the financial consequences of any adverse outcome. * You are not using borrowed funds, margin, or leverage from external sources to fund your activities on the Platform unless you have independently assessed and accepted the compounded risk exposure. * You are not using the Platform for the purpose of money laundering, terrorist financing, tax evasion, sanctions evasion, or any other illegal financial activity. ### 6.3 Platform Use Restrictions **You agree that you will not:** * Use the Platform to engage in wash trading, market manipulation, front-running, or any other form of trading misconduct; * Attempt to exploit smart contract vulnerabilities, protocol bugs, or oracle price discrepancies for unauthorized financial gain; * Interfere with, disrupt, or attempt to gain unauthorized access to the Platform’s infrastructure, smart contracts, or front-end systems; * Engage in any activity that violates applicable AML, sanctions, or financial crime laws; * Submit false, misleading, or fraudulent information to the Platform or to Nysa Finance; * Impersonate another user, entity, or the Nysa Finance team; * Use automated bots, scripts, or tools to access or interact with the Platform in a manner not permitted by these Terms. ## 7. Fees and Protocol Economics The Protocol may charge fees for certain interactions, including but not limited to borrowing fees, liquidation fees, and protocol usage fees. All applicable fees will be disclosed in the user interface. Nysa Finance reserves the right to modify fee structures through smart contracts. Material changes to fee structures will be communicated via the Platform website and/or official community channels. Users are solely responsible for all blockchain network transaction fees ("gas fees") associated with their interactions with the Protocol. Gas fees are determined by the underlying blockchain network and are beyond the control of Nysa Finance. ## 8. Intellectual Property ### 8.1 Nysa Finance Intellectual Property All trademarks, service marks, logos, trade names, and brand identifiers of Nysa Finance, including the NYSA name and logo, are the exclusive intellectual property of Hirundo Technologies s.r.l.s.. Nothing in these Terms grants you any right, title, or interest in or to any Nysa Finance intellectual property. The Platform’s front-end interface, AI/ML module, Smart DCA algorithms, visual design, documentation, and all original content published by Nysa Finance are protected by applicable intellectual property laws. Unauthorized reproduction, distribution, or commercial use is strictly prohibited. ### 8.2 Open-Source Components The Protocol incorporates open-source software components, including the Aave V3 smart contract framework, which are governed by their respective open-source licenses. Nysa Finance’s use of such components is in accordance with applicable license terms. Nothing in these Terms affects your rights under any applicable open-source license. ### 8.3 License to Use the Platform Subject to your compliance with these Terms, Nysa Finance grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform’s front-end interface for your personal, non-commercial use. This license does not include any right to: (a) sublicense or transfer your access rights; (b) reverse engineer, decompile, or disassemble any proprietary components; or (c) create derivative works based on proprietary Platform components. ## 9. Privacy, Data, and Blockchain Transparency ### 9.1 Blockchain Transparency All transactions executed through the Protocol are recorded on a public blockchain. Blockchain transaction data is permanent, immutable, and publicly accessible. By interacting with the Protocol, you acknowledge and accept that your wallet address, transaction history, and on-chain activity are publicly visible. ### 9.2 Front-End Data Collection The Platform’s front-end interface may collect certain technical data necessary for the operation and security of the Platform, including but not limited to IP addresses (for the purposes of jurisdictional screening and geofencing), wallet addresses, device and browser information, and usage analytics. This data is processed in accordance with applicable data protection law and Nysa Finance’s Privacy Policy, which is incorporated herein by reference and published at . The Platform operates as a non-custodial protocol, while its front-end interface is centrally controlled and managed by Nysa Finance. ### 9.3 AML and Sanctions Screening In furtherance of its AML and sanctions compliance obligations, Nysa Finance integrates blockchain analytics tools for the purpose of wallet risk scoring and sanctions screening. Connecting a wallet to the Platform constitutes consent to such screening. Nysa Finance may deny or restrict access to any wallet that is flagged by its analytics tools as presenting elevated risk, without prior notice and without liability. ### 9.4 Record Keeping Nysa Finance maintains records of compliance decisions, screening outcomes, and relevant interaction data as required by applicable AML and regulatory frameworks. Such records are retained for the minimum period required by law and are subject to disclosure to competent authorities upon lawful request. ## 10. Regulatory Compliance Framework ### 10.1 EU MiCA Compliance Pathway Nysa Finance is committed to full compliance with the EU Markets in Crypto-Assets Regulation (MiCA, Regulation (EU) 2023/1114), which entered full enforcement in December 2024. The Company is actively pursuing authorization as a Crypto-Asset Service Provider ("CASP") under MiCA’s regulatory framework. The Company’s intended primary licensing jurisdiction for MiCA authorization is the Republic of Estonia, whose Financial Supervision Authority (Finantsinspektsioon, "FSA") CASP license provides EU-wide passporting rights across all 27 Member States. These Terms, together with the Company’s internal AML Policy, published whitepaper, security audit program, and geofencing implementation, collectively constitute the Company’s Phase 1 Soft Compliance framework as described in the Company’s Compliance and Regulatory Strategy Briefing (April 2026). ### 10.2 MiCA Protocol Exemption and Advisory Module Nysa Finance notes that MiCA does not comprehensively regulate all DeFi lending/borrowing in the same way, but related activities, crypto-asset services, token issuance, custody, advice, execution, and RWA/security tokens may still trigger regulation. However, the Company’s AI/ML advisory module, any future token issuance, and other qualifying services may independently engage MiCA’s CASP authorization requirements. The Company is actively obtaining qualified legal opinions on the precise scope of MiCA applicability to its services and will update these Terms as regulatory clarity develops. ### 10.3 AML/KYC Framework Nysa Finance has adopted an internal AML Policy in compliance with the Financial Action Task Force ("FATF") updated guidance on DeFi protocols with identifiable operators, which classifies such protocols as Virtual Asset Service Providers ("VASPs") subject to AML obligations. The Company’s AML framework includes: * Sanctions screening against the OFAC SDN list, EU restrictive measures lists, and UN Security Council sanctions lists; * Transaction monitoring for suspicious activity patterns; * Geofencing and jurisdictional blocking of Prohibited Jurisdictions; * Wallet risk scoring via integrated blockchain analytics tools; * A designated internal compliance-responsible person; * Documentation and record-keeping of compliance decisions. ### 10.4 MiFID II and RWA Securities Certain RWA Collateral assets accepted by the Protocol, including tokenized equities and debt securities, may qualify as financial instruments under MiFID II (Directive 2014/65/EU). The Company is in the process of obtaining a formal securities law opinion to assess the classification of accepted RWA assets and, where required, will implement appropriate legal structures including Special Purpose Vehicles and regulated custodian arrangements consistent with industry precedent. ### 10.5 DORA Compliance Readiness The Digital Operational Resilience Act (DORA, Regulation (EU) 2022/2554) will apply to Nysa Finance upon obtaining CASP authorization. In anticipation of this requirement, the Company is building ICT risk management documentation, business continuity and disaster recovery planning, and a cybersecurity audit schedule into its technical infrastructure from inception. ### 10.6 US Person Restriction The Platform does not currently permit access by, and is not intended for use by, persons located in or subject to the laws of the United States of America ("US Persons"). This restriction reflects the significant legal complexity applicable to RWA lending protocols under US securities law (SEC), commodity regulations (CFTC), and OFAC sanctions enforcement with respect to US Persons. This restriction will remain in effect until Nysa Finance has obtained a formal legal opinion from a US crypto-specialized law firm and made a definitive determination regarding US market access. US geo-blocking is implemented at the front-end level. ## 11. Disclaimers and Limitation of Liability ### 11.1 No Financial or Investment Advice The Platform and all content, features, outputs, and recommendations provided by Nysa Finance — including but not limited to AI/ML borrow recommendations, Smart DCA allocations, documentation, and community communications — do not constitute financial advice, investment advice, tax advice, legal advice, or any form of regulated advisory service. Nothing on the Platform should be construed as a recommendation to buy, sell, hold, or otherwise transact in any asset. You should consult qualified independent advisors before making any financial decision. ### 11.2 Platform Provided "As Is" **THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. NYSA FINANCE EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND THOSE ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. NYSA FINANCE DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM BUGS, VULNERABILITIES, OR HARMFUL COMPONENTS.** ### 11.3 Limitation of Liability **TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NYSA FINANCE, ITS DIRECTORS, OFFICERS, EMPLOYEES, CONTRIBUTORS, AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE PLATFORM, INCLUDING BUT NOT LIMITED TO: LOSS OF FUNDS OR ASSETS; LIQUIDATION LOSSES; SMART CONTRACT EXPLOITS OR FAILURES; MARKET LOSSES; UNAUTHORIZED ACCESS TO YOUR WALLET; REGULATORY ENFORCEMENT ACTIONS; OR ANY OTHER LOSS, DAMAGE, OR INJURY.** **IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, NYSA FINANCE’S LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.** ### 11.4 Indemnification You agree to indemnify, defend, and hold harmless Hirundo Technologies s.r.l.s. and its directors, officers, employees, agents, affiliates, partners, and contributors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your breach of these Terms; (b) your violation of any applicable law or regulation; (c) your use of the Platform in a manner not permitted by these Terms; (d) any misrepresentation made by you; or (e) any claim by a third party arising from your use of the Platform. ## 12. Dispute Resolution and Governing Law ### 12.1 Governing Law These Terms and any dispute, controversy, or claim arising out of or in connection with these Terms or the use of the Platform shall be governed by and construed in accordance with the laws of the Republic of Italy, without regard to its conflict of law provisions, pending the Company’s planned transition to Estonian jurisdiction upon CASP authorization. Once the Company has incorporated an Estonian OÜ entity and obtained FSA CASP authorization, these Terms will be updated to reflect Estonian law as the governing law. ### 12.2 Binding Arbitration Subject to Section 12.3, any dispute, controversy, or claim arising out of or relating to these Terms, the Platform, or the breach, termination, or validity thereof shall be referred to and finally resolved by binding arbitration under the Rules of Arbitration of the International Chamber of Commerce ("ICC") by one or more arbitrators appointed in accordance with those rules. The seat of arbitration shall be Milan, Italy. The language of the arbitration shall be Italian. The arbitral award shall be final and binding and may be enforced in any court of competent jurisdiction. ### 12.3 Class Action Waiver **YOU AGREE THAT ANY ARBITRATION OR LEGAL PROCEEDING SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS ONLY AND NOT AS A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION AGAINST NYSA FINANCE.** ### 12.4 Injunctive Relief Notwithstanding the foregoing, Nysa Finance reserves the right to seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or to prevent imminent or ongoing harm to the Protocol. ## 13. Protocol Security and Responsible Disclosure ### 13.1 Security Architecture Nysa Finance has implemented an institutional-grade security framework for the Protocol, including: * One independent smart contract security audit conducted by separate, reputable auditing firm prior to mainnet launch; * One independent penetration test of the Protocol’s infrastructure and front-end systems; * The Sentinel Guardian system: a 24/7 autonomous monitoring system designed to detect and halt suspicious or anomalous Protocol activity in real time; * Smart liquidation mechanisms incorporating AI-driven borrow optimization, designed to reduce Protocol liquidations. ### 13.2 Bug Bounty and Responsible Disclosure Nysa Finance operates a responsible disclosure program. Security researchers and community members who identify potential vulnerabilities in the Protocol are encouraged to report them through the Company’s designated bug bounty program, operated through Immunefi or an equivalent platform. Details of the responsible disclosure program and reward structure are published on the Platform. Nysa Finance prohibits any exploitation of identified vulnerabilities prior to reporting and reserves all legal remedies against unauthorized exploitation. ### 13.3 No Guarantee of Security Notwithstanding the security measures described above, no security framework can guarantee the absolute prevention of all attacks, exploits, or failures. Nysa Finance does not warrant or represent that the Protocol is free from all security vulnerabilities or that assets deposited on the Protocol are safe from all possible loss events. ## 14. Modifications, Suspensions, and Termination ### 14.1 Modification of Terms Nysa Finance reserves the right to modify, amend, or update these Terms at any time in its sole discretion. The most recent version of these Terms will be published on the Platform, and the effective date will be updated accordingly. Material changes will be communicated via the Platform website and official community channels. Continued use of the Platform after any modification constitutes acceptance of the revised Terms. ### 14.2 Modification of the Protocol Nysa Finance reserves the right to modify, suspend, pause, or discontinue any feature, service, smart contract, or the Platform as a whole, at any time, with or without notice, including in response to regulatory requirements, security concerns, or governance decisions. Nysa Finance shall not be liable for any losses or damages resulting from such modification, suspension, or discontinuation. ### 14.3 Termination for Breach Nysa Finance reserves the right to immediately restrict, suspend, or terminate your access to the Platform if it determines, in its sole discretion, that you have breached these Terms, violated applicable laws or regulations, or engaged in activity that poses a risk to the Protocol, its users, or Nysa Finance. Such restriction may include blocking wallet addresses from the front-end interface. ## 15. General Provisions ### 15.1 Entire Agreement These Terms, together with the Privacy Policy and any other policies or guidelines published on the Platform, constitute the entire agreement between you and Nysa Finance with respect to your use of the Platform and supersede all prior and contemporaneous agreements, representations, and understandings. ### 15.2 Severability If any provision of these Terms is found by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall continue in full force and effect. ### 15.3 No Waiver Nysa Finance’s failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will only be effective if in writing and signed by Nysa Finance. ### 15.4 Assignment You may not assign or transfer any rights or obligations under these Terms without the prior written consent of Nysa Finance. Nysa Finance may freely assign or transfer its rights and obligations under these Terms, including in connection with a merger, acquisition, corporate restructuring, or regulatory reorganization. ### 15.5 Force Majeure Nysa Finance shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, blockchain network failures, regulatory actions, government orders, cybersecurity incidents, natural disasters, or circumstances beyond Nysa Finance’s reasonable ability to prevent or mitigate. ### 15.6 Third-Party Services The Platform may integrate with or reference third-party services, protocols, data providers, blockchain analytics tools, and partner platforms. Nysa Finance does not control such third-party services and is not responsible for their availability, accuracy, security, or legal compliance. Your use of any third-party services is subject to their respective terms of service and policies. ### 15.7 Language These Terms are executed in the English language. To the extent translations are provided, the English version shall prevail in the event of any conflict or ambiguity. ## 16. User Acknowledgment **BY USING THE NYSA FINANCE PLATFORM, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE IN THEIR ENTIRETY; THAT YOU UNDERSTAND THE NATURE AND RISKS OF DECENTRALIZED FINANCE PROTOCOLS, RWA COLLATERAL, AND AI-DRIVEN FINANCIAL TOOLS; THAT YOU ARE NOT A PROHIBITED PERSON AND ARE NOT LOCATED IN A PROHIBITED JURISDICTION; THAT YOU ARE NOT RELYING ON NYSA FINANCE FOR FINANCIAL OR INVESTMENT ADVICE; AND THAT YOU ACCEPT FULL LEGAL RESPONSIBILITY FOR YOUR USE OF THE PLATFORM IN ACCORDANCE WITH THESE TERMS AND ALL APPLICABLE LAWS.** For legal and compliance inquiries, please contact us at: * Email: ; * Website: