Terms of Service

Last Updated: July 29, 2025

This Terms of Service Agreement ("Agreement") constitutes a legally binding agreement made between you, whether personally or on behalf of an entity ("you" or "user"), and Lendingify ("we," "us," or "our"), concerning your access to and use of the Lendingify service.

1. Acceptance of Terms

By creating an account and using our service, you agree to be bound by this Agreement. If you do not agree with all of these terms, you are expressly prohibited from using the service and must discontinue use immediately.

2. Description of Service

Lendingify provides a platform that connects to your Bitfinex account via API to automate cryptocurrency lending strategies. At no point does Lendingify take custody of your funds; all assets remain in your Bitfinex account.

3. User Responsibilities

• You are responsible for maintaining the security of your Bitfinex account, including your login credentials and two-factor authentication.
• You are responsible for creating and configuring your Bitfinex API keys with the correct, limited permissions as instructed by our platform. You must not grant withdrawal permissions to the API keys used with our service.
• You acknowledge that you are solely responsible for any and all financial decisions and outcomes resulting from the use of our service.

4. No Financial Advice

Lendingify is a technology platform, not a financial advisor. The information and tools provided are for informational purposes only and should not be construed as financial, investment, or tax advice. All lending activities and their outcomes are your sole responsibility.

5. Disclaimers and Limitation of Liability

• The service is provided on an "as-is" and "as-available" basis. We expressly disclaim all warranties, whether express or implied, including the warranties of merchantability, fitness for a particular purpose, and non-infringement.
• We do not guarantee any specific financial outcome or return. Cryptocurrency markets are volatile, and lending rates are subject to market fluctuations. Past performance is not indicative of future results.
• To the fullest extent permitted by law, in no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, or other damages arising from your use of the service, even if we have been advised of the possibility of such damages.
• Our liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to us during the six (6) month period prior to any cause of action arising.

6. Service Availability

We will use reasonable efforts to ensure the service is available 24/7, but we do not guarantee uninterrupted access. The service may be unavailable due to maintenance, upgrades, or unforeseen technical issues.

7. Termination

We reserve the right to suspend or terminate your account at our sole discretion, without notice or liability, for any reason, including but not to a breach of this Agreement. You may terminate this Agreement at any time by ceasing to use the service and revoking the API keys from your Bitfinex account.

8. Governing Law

This Agreement and your use of the service are governed by and construed in accordance with the laws of the jurisdiction in which our company is established, without regard to its conflict of law principles.