> For the complete documentation index, see [llms.txt](https://polter.gitbook.io/polter/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://polter.gitbook.io/polter/legal-disclaimer.md). # Legal Disclaimer **Last Updated:** 16 Feb 2025 Welcome to Polter Finance (“Platform”, “we”, “us”, or “our”). By accessing or using our decentralized finance (DeFi) lending and borrowing platform, you (“User”, “you”, or “your”) agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, you must not use the Platform. **1. Eligibility** 1.1 You must be at least 18 years old and have the legal capacity to enter into these Terms. 1.2 You confirm that your use of the Platform complies with the laws and regulations applicable in your jurisdiction. **2. Services Provided** 2.1 The Platform facilitates decentralized lending and borrowing of digital assets via smart contracts. 2.2 Users may deposit supported digital assets into the Platform to earn interest or borrow assets against collateral. 2.3 The Platform does not provide investment, financial, tax, or legal advice. **3. Risks and Disclaimers** 3.1 **Market Risk:** The value of digital assets is highly volatile and subject to market fluctuations. 3.2 **Smart Contract Risk:** The Platform operates using smart contracts, which may have vulnerabilities or unforeseen failures. 3.3 **Regulatory Risk:** DeFi platforms are subject to evolving regulatory frameworks, which may impact your ability to use the Platform. 3.4 **No Guarantees:** The Platform does not guarantee returns, liquidity, or the security of deposited assets. **4. User Responsibilities** 4.1 You acknowledge that you are solely responsible for managing your private keys and wallet security. 4.2 You agree not to use the Platform for any illegal activities, including but not limited to money laundering, terrorist financing, or fraudulent transactions. 4.3 You understand that transactions on the blockchain are irreversible and cannot be undone. **5. Fees and Interest Rates** 5.1 The Platform may charge fees for borrowing, withdrawing, or other services, which will be disclosed before transactions. 5.2 Interest rates for lending and borrowing are algorithmically determined and subject to change. **6. Limitation of Liability** 6.1 The Platform and its affiliates shall not be liable for any loss, damages, or claims arising from: * Market fluctuations, * Smart contract vulnerabilities, * Unauthorized access to your wallet, * Regulatory actions affecting the Platform’s operations. 6.2 To the fullest extent permitted by law, the Platform disclaims all warranties, whether express or implied. **7. Termination and Suspension** 7.1 The Platform reserves the right to suspend or terminate your access if you violate these Terms. 7.2 The Platform may modify, discontinue, or restrict access to certain features without prior notice. **8. Governing Law and Dispute Resolution** 8.1 These Terms shall be governed by the principles of decentralized governance, and any disputes shall be resolved through community-driven mechanisms or mutually agreed-upon arbitration procedures. 8.2 In the absence of an agreed resolution, users acknowledge that disputes may be handled through independent arbitration services selected by the Platform. The arbitration service provider will be determined based on factors such as expertise in decentralized finance, neutrality, and community trust. The arbitration process may take place virtually, and all parties must adhere to its binding decision. All costs associated with arbitration, including administrative fees, arbitrator fees, and any other related expenses, shall be borne solely by the arbitration service provider and not by the disputing parties. **9. Amendments** 9.1 The Platform reserves the right to update these Terms at any time. Continued use of the Platform constitutes acceptance of the revised Terms. *** --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://polter.gitbook.io/polter/legal-disclaimer.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.