Terms of Use

Last Updated: 19 October 2026

01Eligibility and Compliance

1.1 General Eligibility

You must be at least 18 years old to use the Interface. By using the Interface, you represent and warrant that you are 18 years of age or older. If you are under 18 years old, you may not, under any circumstances or for any reason, use the Interface.

You must not use the Interface if you are barred from doing so under any applicable laws or regulations or if you are located in, established in, or a resident of any restricted jurisdiction as outlined in section 1.4 of these Terms.

OpenFinance reserves the right to request proof of age from you and to suspend or terminate your access to the Interface if we have reason to believe you do not meet the age requirement or if you fail to provide sufficient proof of your age.

1.2 Legal Compliance

You are solely responsible for ensuring your use of the Interface complies with all applicable laws and regulations. The Interface must not be used in any way that violates or facilitates the violation of any laws or regulations or contributes to any illegal activities.

OpenFinance services are not intended as an offer or solicitation in any jurisdiction where such activities are unauthorized or illegal.

1.3 Sanctions Compliance

By using the Interface, you represent that you are not subject to sanctions or listed on any prohibited parties list maintained by the United Nations, European Union, United States, United Kingdom, or any other relevant authority.

1.4 Restricted Jurisdictions

OpenFinance does not provide services to users located in, established in, or residents of certain restricted jurisdictions, including but not limited to China, North Korea, Iran, Syria, Cuba, and any regions subject to comprehensive sanctions. The use of VPNs or other methods to circumvent these restrictions is strictly prohibited.

1.5 No Circumvention

You agree not to use any technological means to bypass or attempt to bypass these Terms or any restrictions on the Interface.

02The Interface and App

2.1 Nature of the Interface

The Interface consists of a mobile application and a web-based platform that allows you to interact with various decentralized protocols and blockchain networks. It provides a non-custodial DeFi Smart Wallet that enables you to store and manage crypto tokens across multiple blockchains, and allows you to connect and interact with various Dapps.

2.2 Relationship to the App

While we provide the Interface through our mobile application and website, we do not control the underlying blockchain networks or dapps with which the App interacts with. We cannot:

• Access, transfer, or control your digital assets
• Modify or upgrade existing smart contracts on blockchain networks
• Guarantee the functionality or security of third-party dapps or networks

2.3 User Responsibility

You understand and acknowledge that:

• All transactions you initiate through the Interface (whether via mobile app or website) are considered unsolicited and solely initiated by you.
• We do not provide investment advice in connection with any activity on the Interface.
• We do not conduct suitability reviews for any transactions you initiate.
• We cannot guarantee that transactions will be validated or confirmed on the relevant blockchain network.
• You accept full responsibility for all activities conducted through your wallet and all associated risks.

2.4 App Functionality

The Interface and App may include, without limitation, functionality that enables users to:

• Access and manage one or more non-custodial wallets;
• Link to and access third-party digital wallets owned or controlled by such users and compatible with the App and Interface (each such wallet, a "Third-Party Wallet");
• Self-custody of certain compatible digital assets across different blockchains;
• Browse and manage digital assets;
• Enable token access on multiple blockchains within the wallet, with liquidity provided directly by third-party dapps;
• View publicly available transaction data and other information available on compatible blockchains;
• Receive notifications and updates related to their digital assets and blockchain activities; and
• Access additional functionality as OpenFinance may make available from time to time.

2.5 Price Volatility

You acknowledge that the prices of digital assets can be extremely volatile. OpenFinance makes no representations regarding the stability or value of any digital assets.

03User Conduct

3.1 Prohibited Activities

While using the Interface, you agree to refrain from engaging in any of the following prohibited activities:

• Intellectual Property Infringement: You shall not engage in any activities that infringe upon or violate any copyright, trademark, service mark, patent, right of publicity, right of privacy, or other proprietary or intellectual property rights protected by applicable laws.
• Security Compromise: You are prohibited from attempting to compromise the security or integrity of the Interface, its users, or any associated systems. This includes, but is not limited to, the deployment of viruses, malware, or any form of malicious code, as well as attempting to gain unauthorized access to any part of the Interface or its related systems.
• Fraudulent or Deceptive Practices: You shall not engage in any fraudulent, deceptive, or misleading practices in connection with your use of the Interface. This includes providing false or inaccurate information, impersonating others, or any other activities designed to deceive OpenFinance or other users.
• Regulatory Violations: You shall not use the Interface in any manner that violates securities, derivatives, or any other financial regulations applicable in your jurisdiction or the jurisdiction of OpenFinance.
• Data Harvesting: The use of data mining, scraping, or similar data gathering and extraction methods in connection with the Interface is strictly prohibited.
• Harmful Content: You are prohibited from posting, transmitting, or otherwise making available any content that is harmful, offensive, illegal, or otherwise objectionable. This includes content that is defamatory, obscene, invasive of privacy, or discriminatory in any way.
• Interference with Service: You shall not use the Interface in any manner that could interfere with, disrupt, negatively affect, or inhibit other users from fully enjoying the Interface, or that could damage, disable, overburden, or impair the functioning of the Interface.
• Illegal Activities: You are strictly prohibited from using the Interface to engage in any illegal activities, including but not limited to money laundering, terrorist financing, or the furtherance of any other criminal activities.
• Circumvention of Restrictions: You shall not attempt to circumvent any technological measures implemented to restrict access to or use of the Interface, including the use of VPNs or other methods to disguise your location or identity.

Any unauthorized use of the Interface as described above, or in any manner not expressly permitted by these Terms, may result in the immediate termination of your access to our services, and may subject you to legal action and damages.

04Non-Custodial Nature of Service

4.1 Non-Custodial Platform and User Responsibilities

The Interface and App are non-custodial in nature. OpenFinance does not hold or control your digital assets at any time. Any digital assets that you may acquire, store, or trade through the usage of the Interface or the App are held directly on their respective blockchains, with access controlled solely by you through the private keys associated with your OpenFinance wallet. The App merely provides a user interface to interact with these blockchain-based assets. OpenFinance will not create any hosted wallet for you or otherwise custody digital assets on your behalf.

You acknowledge and agree that:

• OpenFinance does not, at any time, have custody, possession, or control of your digital assets, and all digital assets remain in your control and possession at all times;
• You are solely responsible for the retention, management, and security of your wallet credentials, which include your twelve-word recovery phrase for externally owned accounts (EOA) wallets ("Recovery Phrase") and any unique digital or hardware credentials tied to your smart contract wallets ("Passkeys"), such as iCloud or Google Passkeys, or hardware authentication devices like Yubikeys. These credentials (Recovery Phrase and/or Passkeys) are the only means through which you can access and manage the cryptocurrency associated with your OpenFinance wallet;
• OpenFinance cannot and will not access your private keys or initiate transfers of your digital assets under any circumstances;
• OpenFinance is unable to assist with digital wallet recovery or password retrieval, and you are solely responsible for maintaining access to your wallet and remembering or securely storing any passwords or recovery phrases;
• It is your sole responsibility to maintain the security of your OpenFinance wallet.

4.2 Consequences of Loss of Credentials

If you lose access to your Recovery Phrase and/or Passkeys, you will permanently lose access to the cryptocurrency stored in the OpenFinance wallet. OpenFinance does not have the ability to recover or reset these credentials on your behalf. You assume full responsibility for any consequences that arise from losing access to your wallet, including the loss of funds.

4.3 No Access or Responsibility

OpenFinance shall have no access to or control over your private keys or the digital assets associated with your OpenFinance wallet. These assets exist on their respective blockchains, and OpenFinance merely provides an interface to interact with them. You are solely responsible for securing and managing your private keys and recovery phrases. OpenFinance cannot access, recover, or reset your private keys or recovery phrases. Your use of the OpenFinance wallet is subject to these Terms of Use and our Privacy Policy. However, your interactions with any third-party services or decentralized applications through the OpenFinance interface may be subject to additional terms and policies set by those third parties.

4.4 Third-Party Services

While OpenFinance provides the wallet interface, we neither own nor control the underlying blockchain networks, dapps, or any other third-party sites, products, or services that you might access, visit, or use through our Interface or App. OpenFinance is not responsible for the operation of these blockchain networks and cannot guarantee their functionality, security, or availability. OpenFinance will not be liable for the acts or omissions of any third parties operating these networks or services, nor will we be liable for any damage that you may suffer as a result of your transactions or any other interactions with these blockchain networks or third-party services. Your use of such third-party services or interactions with blockchain networks may be subject to separate terms and conditions set by those parties or networks.

4.5 Waiver of Claims

You hereby irrevocably waive, release and discharge all claims, whether known or unknown to you, against OpenFinance, our affiliates and their respective shareholders, members, directors, officers, employees, agents and representatives related to your use of the OpenFinance wallet, associated loss of digital assets, transaction failures, or any other defects that arise in the course of your use of the Interface or the App. This includes, but is not limited to, any losses that may result from:

• Your failure to maintain the security and confidentiality of your private keys or recovery phrases;
• Any unauthorized access to your OpenFinance wallet;
• Any blockchain network failures or delays;
• Any errors or malfunctions in the Interface or App;
• Any interactions with third-party services or dapps accessed through the OpenFinance interface.

4.6 No Exchange or Management Services

Neither OpenFinance, the Interface, nor the App provides any digital asset exchange or portfolio/fund management services. If you choose to engage in transactions with other users through the Interface or the App, then such decisions and transactions and any consequences flowing therefrom are your sole responsibility.

4.7 Third-Party Wallet Creation

OpenFinance uses Privy, a third-party service provider, to facilitate the creation of email, social, and embedded wallets. A non-custodial wallet is created for you when you connect to OpenFinance using email, mobile, or any social login method.

• Access to Wallet Credentials: The private key and recovery phrase for your wallet are accessible to you through the wallet settings. You are solely responsible for securely storing and managing these credentials.
• OpenFinance's Non-Access: OpenFinance does not have access to, nor can it access, your private key or recovery phrase at any time. You acknowledge and agree that the security and management of your wallet credentials are entirely your responsibility.

4.8 Limitation of Liability

In no event shall OpenFinance, its affiliates or their respective directors or employees be responsible or liable to you or anyone else, directly or indirectly, for any damage or loss arising from or relating to any interaction or continued interaction with the Interface or the Protocol or in reliance on any information provided on the Interface (including, without limitation, directly or indirectly resulting from errors in, omissions of or alterations to any such information).

05Know Your Customer and Anti-Money Laundering Checks

• Right to Conduct Checks: OpenFinance reserves the right to conduct "Know Your Customer" (KYC) and "Anti-Money Laundering" (AML) checks on you if deemed necessary by us (at our sole discretion) or if such checks become required under applicable laws in any jurisdiction.
• Provision of Information: Upon our request, you shall immediately provide us with information and documents that we, in our sole discretion, deem necessary or appropriate to conduct KYC and AML checks. Such documents may include, but are not limited to, passports, driver's licenses, utility bills, photographs of associated individuals, government identification cards or sworn statements before notaries or other equivalent professionals.
• Right to Refuse Access: Notwithstanding anything herein, OpenFinance may, in its sole discretion, refuse to provide access to the Interface to you until such requested information is provided, or in the event that, based on information available to us, you are suspected of using the Interface or the Protocol in connection with any money laundering, terrorism financing, or any other illegal activity.
• Prevention of Illegal Activities: OpenFinance shall be entitled to use any possible efforts for preventing money laundering, terrorism financing or any other illegal activity, including without limitation blocking of your access to the Interface or the Protocol, or providing your information to any regulatory authority.

By using the OpenFinance Interface, you acknowledge that you have read, understood, and agree to be bound by these terms regarding the non-custodial nature of our service and the associated responsibilities and risks.

06Third-Party Services and Content

• Integration of Third-Party Services: The Interface may incorporate, provide access to, or allow the use of third-party services, websites, or content. You acknowledge and agree that these third-party services are governed by their own terms and conditions and privacy policies. OpenFinance strongly recommends that you review these terms before utilizing any third-party services.
• No Endorsement or Responsibility: The inclusion or accessibility of any third-party service or content through the Interface does not constitute an endorsement, guarantee, or assumption of responsibility by OpenFinance for such third-party service or content. OpenFinance makes no representations or warranties regarding the accuracy, completeness, reliability, or suitability of any third-party service or content.
• No Liability: OpenFinance expressly disclaims any and all liability for any damages, losses, or any other consequences that you may incur as a result of your use of any third-party services accessed through our Interface. Your use of such services is at your own risk.
• Independence of Third-Party Services: OpenFinance does not control, and is not responsible for, the actions or omissions of any third-party service providers. Any interactions you have with such third parties are solely between you and the third party.

07Terms Applicable to the OpenFinance Mobile App

The following terms apply to your access and use of the OpenFinance mobile application (the "Mobile App"):

• App Stores: You acknowledge and agree that the availability of the Mobile App is dependent on the third-party app store from which you received the Mobile App license, which may include but is not limited to the Apple App Store, Google Play Store, Samsung Galaxy Store, Xiaomi GetApps or Mi Store, or any other app distribution platform (each, an "App Store"). You acknowledge that this Agreement is between you and OpenFinance and not with the App Store.
• Compliance with App Store Terms: You agree to comply with, and your license to use the Mobile App is conditioned upon your compliance with, all applicable terms and conditions of the App Store through which you obtained the Mobile App.
• Responsibility and Support: OpenFinance, not the App Store, is solely responsible for the Mobile App, the content thereof, maintenance, support services, and warranty therefor, and addressing any claims relating thereto (e.g., product liability, legal compliance, or intellectual property infringement). You agree to pay all fees (if any) charged by the App Store in connection with the Mobile App.
• Third-Party Beneficiaries: You acknowledge that the App Store (and its subsidiaries) are third-party beneficiaries of the Agreement and will have the right to enforce it.
• Updates: You agree that the App Store is not responsible for addressing any claims you have or any claims of any third party relating to the Mobile App or your possession and use of the Mobile App.
• Intellectual Property: In the event of any third-party claim that the Mobile App or your possession and use of that Mobile App infringes that third party's intellectual property rights, OpenFinance, not the App Store, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim to the extent required by this Agreement.
• Legal Compliance: You represent and warrant that (i) you are not located in a country or region subject to comprehensive economic sanctions or embargoes, and (ii) you are not listed on any government list of prohibited or restricted parties in the jurisdictions where you reside or access the Mobile App from. You agree to comply with all applicable laws and regulations of your country or region in connection with your use of the Mobile App.
• Access to Mobile App: The Mobile App may be subject to restrictions, limitations, or additional terms imposed by the App Store through which you obtained it. These additional terms may affect your ability to use certain features or functionality of the Mobile App.
• Additional Terms for Specific App Stores: Depending on the App Store from which you obtained the Mobile App, additional terms may apply. You agree to comply with any such additional terms specific to the App Store through which you obtained the Mobile App.
• Termination: Your rights under this Agreement will terminate automatically without notice from OpenFinance if you fail to comply with any term(s) of this Agreement. Upon termination of the license, you shall cease all use of the Mobile App and destroy all copies, full or partial, of the Mobile App.
• Updates and Modifications: OpenFinance reserves the right to modify, suspend, or discontinue the Mobile App (or any part thereof) at any time with or without notice. You agree that OpenFinance will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Mobile App.

By using the OpenFinance Mobile App, you acknowledge that you have read, understood, and agree to be bound by these terms in addition to the rest of the Agreement.

08Fees

• Service Fees: OpenFinance may charge fees for some or part of the Services we make available to you ("Fees"). All pricing and payment terms for Fees will be as indicated on the Interface at or before the point at which you incur such Fees. We reserve the right to change those Fees at our discretion before the point at which you incur any such Fees.
• Third-Party Fees: You may incur charges from third parties ("Third-Party Fees") when using the Interface or App. These may include, but are not limited to: (a) Network fees, known as "gas" fees, required to process transactions on blockchain networks. (b) Fees charged by decentralized exchanges or other third-party services that you access through the OpenFinance Interface or App. OpenFinance does not control, set, or receive these Third-Party Fees. You are solely responsible for paying any such fees.
• Display of Fees: Where possible, we will display or provide estimates of applicable fees before you confirm a transaction. However, due to the nature of blockchain networks and decentralized services, actual fees may vary from these estimates.
• Payment of Fees: Any Fees owed to OpenFinance will be deducted from your transaction amounts or charged to your connected payment method, as applicable. You agree to pay all Fees incurred in connection with your use of the Services.
• Changes to Fees: We reserve the right to change our fee structure at any time. Any changes to our fee structure will be communicated to you through the Interface or via email before they take effect.
• Refunds: Due to the nature of blockchain transactions, all Fees and Third-Party Fees are generally non-refundable once a transaction has been initiated.
• Tax Implications: You are solely responsible for determining what, if any, taxes apply to your transactions. OpenFinance is not responsible for determining or paying any taxes that may apply to your transactions.

By using the OpenFinance Interface or App, you agree to pay all applicable fees as described in this section.

09Intellectual Property Rights

• OpenFinance's Intellectual Property: All intellectual property rights in the Interface and its contents, including but not limited to software, text, images, trademarks, service marks, copyrights, patents, and designs, are owned by or licensed to OpenFinance. Nothing in these Terms shall be construed as conferring any license or right to use any of OpenFinance's intellectual property without our express written consent.
• Restrictions on Use: You are expressly prohibited from copying, modifying, distributing, selling, leasing, or otherwise exploiting any part of the Interface or its content without OpenFinance's explicit written authorization. Any unauthorized use may result in termination of your access to the Interface and may subject you to legal action.
• Feedback License: If you provide OpenFinance with any feedback, suggestions, ideas, or proposals regarding the Interface ("Feedback"), you hereby grant OpenFinance an unlimited, perpetual, irrevocable, sublicensable, transferable, royalty-free license to use, reproduce, modify, distribute, and otherwise exploit such Feedback for any purpose without compensation to you.

10Disclaimers

• Decentralized Protocol Disclaimer: You understand and agree that the Interface enables access to an online, decentralized, and autonomous protocol and environment and associated decentralized networks that are not controlled by OpenFinance. We do not have access to your private key and cannot initiate an interaction with your virtual currency or otherwise access your virtual currency. We are not responsible for any activities that you engage in when using your wallet or the Interface.
• Information Accuracy Disclaimer: OpenFinance cannot and does not represent or guarantee that any of the information available through the Interface is accurate, reliable, current, complete, or appropriate for your needs. The information displayed through the Interface, including information about prices, is provided by third parties and/or calculated for informational purposes. Your use of any third-party scripts, indicators, ideas, and other content is at your sole risk.
• "As Is" and "As Available" Basis: You expressly understand and agree that your use of the Interface is at your sole risk. The Interface is provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
• Disclaimer of Warranties: OpenFinance expressly disclaims all representations and warranties, express, implied or statutory, and with respect to the Interface and the code proprietary or open-source, we specifically do not represent and warrant and expressly disclaim any representation or warranty, express, implied or statutory, including without limitation, any representations or warranties of title, non-infringement, merchantability, usage, security, suitability or fitness for any particular purpose, or as to the workmanship or technical coding thereof, or the absence of any defects therein, whether latent or patent. We do not represent or warrant that the Interface, code and any related information are accurate, complete, reliable, current, or error-free.
• No Creation of Warranty: You acknowledge that no advice, information, or statement that we make should be treated as creating any warranty concerning the Interface. We do not endorse, guarantee, or assume responsibility for any advertisements, offers, or statements made by third parties concerning the Interface.
• Private Key Responsibility: You acknowledge that OpenFinance is not responsible for transferring, safeguarding, or maintaining your private keys or any virtual currency associated therewith. If you lose, mishandle, or have stolen associated virtual currency private keys, you acknowledge that you may not be able to recover associated virtual currency and that OpenFinance is not responsible for such loss.
• Inherent Risks: By accessing and using the Interface, you represent that you understand (a) the Interface facilitates access to the Protocol, the use of which has many inherent risks, and (b) the cryptographic and blockchain-based systems have inherent risks to which you are exposed when using the Interface. You further represent that you have a working knowledge of the usage and intricacies of blockchain-based digital assets. You understand that the markets for these blockchain-based digital assets are highly volatile due to various factors including, but not limited to, adoption, speculation, technology, security, and regulation.
• Transaction Costs and Speed: You acknowledge that the cost and speed of transacting with blockchain-based systems are variable and may increase or decrease drastically at any time. You hereby acknowledge and agree that we are not responsible for any of these variables or risks associated with the Protocol and cannot be held liable for any resulting losses that you experience while accessing or using the Interface.
• Assumption of Risk: You understand and agree to assume full responsibility for all of the risks of accessing and using the Interface to interact with the Protocol.
• Third-Party Resources: The Interface may contain references or links to third-party resources, including, but not limited to, information, materials, products, or services that we do not own or control. In addition, third parties may offer promotions related to your access and use of the Interface. We do not endorse or assume any responsibility for any such resources or promotions. If you access any such resources or participate in any such promotions, you do so at your own risk, and you understand that these Terms do not apply to your dealings or relationships with any third parties. You expressly relieve us of any and all liability arising from your use of any such resources or participation in any such promotions.

11Limitation of Liability

12Indemnification

You agree to hold harmless, release, defend, and indemnify OpenFinance and its officers, directors, employees, contractors, agents, affiliates, and subsidiaries from and against all claims, damages, obligations, losses, liabilities, costs, and expenses arising from:

• your access to and use of the Interface;
• your violation of these Terms, the right of any third party, or any other applicable law, rule, or regulation; and
• any other party's access and use of the Interface with your assistance or using any device or account that you own or control.

13Dispute Resolution

• Arbitration Agreement: You and OpenFinance agree that any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or to the use of the Interface (collectively, "Disputes") will be settled by binding arbitration, except that each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights.
• Arbitration Process: Before initiating any arbitration, the party asserting a claim must first send to the other a written notice of dispute ("Notice") describing the nature and basis of the claim or dispute, and the requested relief. A Notice to OpenFinance should be sent to: dev@openfinance.tech. After the Notice is received, you and OpenFinance may attempt to resolve the claim informally. If you and OpenFinance do not resolve the claim within 30 days after the Notice is received, either party may begin an arbitration proceeding.
• Arbitration Rules: The arbitration will be administered by the Singapore International Arbitration Centre ("SIAC") in accordance with the SIAC Rules in effect at the time of the arbitration, except as modified by these Terms. The number of arbitrators shall be one. The seat or legal place of arbitration shall be Singapore. The language to be used in the arbitral proceedings shall be English.
• Class Action Waiver: YOU AND OPENFINANCE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and OpenFinance agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.
• Governing Law: These Terms and any action related thereto will be governed by the laws of the British Virgin Islands without regard to its conflict of laws provisions.

14Severability

If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole. Such provision shall be deleted without affecting the remaining provisions herein or affecting the validity or enforceability of such provision in any other jurisdiction. In such case, the parties shall in good faith modify the unenforceable or invalid provision to reflect, as closely as possible, the original intent of the parties to the fullest extent permitted by applicable law.

15Entire Agreement

These Terms, including any legal notices and disclaimers contained on the Interface, constitute the entire agreement between you and OpenFinance regarding your use of the Interface and supersede all prior agreements and understandings, whether written or oral, or whether established by custom, practice, policy or precedent, with respect to the subject matter of these Terms. Any additional or different terms proposed by you shall be void and of no force or effect unless expressly agreed to in writing by an authorized representative of OpenFinance.

16Assignment

• By OpenFinance: OpenFinance may assign or transfer these Terms, in whole or in part, without restriction and without your prior consent. We will notify you of any such assignment or transfer.
• By User: You may not assign or transfer any rights or obligations under these Terms without OpenFinance's prior written consent. Any attempted assignment or transfer without such consent will be null and void.
• Effect of Assignment: These Terms will inure to the benefit of and be binding upon the parties, their successors, and permitted assigns.

17Modifications to Terms

• Right to Modify: OpenFinance reserves the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
• Notification of Changes: We reserve the right to modify these Terms at any time. For all changes, whether minor or significant, we will update the "Last Updated" date at the top of these Terms. We may, at our sole discretion, choose to notify you of changes by posting a notice on our website or sending you an email, but we are not obligated to do so. We may also make changes without any form of direct notification. It is your responsibility to review these Terms periodically to stay informed of any updates or changes.
• Continued Use: Your continued use of the Interface after any changes to these Terms, whether or not you have reviewed them, constitutes your acceptance of the updated Terms. If you do not agree to the new terms, you are no longer authorized to use the Interface.
• Regular Review: You are expected to check this page periodically so that you are aware of any changes, as they are binding on you.

By using the OpenFinance Interface, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use in their entirety.

For any questions or concerns, please contact us at dev@openfinance.tech.