User Agreement

1. Terms and Definitions

1.1. Platform means the Fundora Capital software and technical infrastructure, including the website, borrower dashboard, partner dashboard, API, documentation, and related services.

1.2. User means an individual or legal entity using the Platform or applying for Fundora Capital services.

1.3. Client means a user who submits a financing application, uses the borrower dashboard, or enters into a financing transaction.

1.4. Partner means a user participating in the Fundora Capital partner program.

1.5. Loan or financing transaction means the transaction under which financing is provided against BTC collateral or another supported asset.

1.6. Collateral means BTC or another supported asset transferred or locked to secure the user's loan.

2. Subject of the Agreement

2.1. This Agreement governs access to and use of the Platform.

2.2. By using the Platform, the user confirms that they have read, understood, and accepted this Agreement and related documents.

2.3. The Platform may provide informational, technical, partner, and operational tools connected with financing products, but the exact legal relationship is determined by the relevant transaction documents.

3. Account and Access

3.1. The user is responsible for the accuracy of data submitted to the Platform.

3.2. The user must keep login credentials, verification codes, API keys, and wallet details secure.

3.3. The user must immediately notify Fundora Capital about unauthorized access or suspected compromise of the account.

3.4. Fundora Capital may restrict, suspend, or terminate access if there is a security risk, suspected fraud, violation of this Agreement, or legal requirement.

4. Platform Use

4.1. The user must use the Platform lawfully and in accordance with this Agreement, published instructions, and applicable documentation.

4.2. The user may not interfere with Platform operation, attempt unauthorized access, bypass security controls, abuse API limits, or use the Platform for illegal activity.

4.3. The user is responsible for decisions made on the basis of information shown in the Platform, including loan parameters, collateral amounts, wallet addresses, and repayment details.

5. Financing and Collateral

5.1. Financing terms are calculated based on Platform rules, market data, risk parameters, and the information submitted by the user.

5.2. A financing transaction may require collateral transfer, identity or compliance checks, and confirmation of transaction details.

5.3. The user understands that digital assets are volatile and that collateral value may change.

5.4. If collateral value falls or loan terms are not performed, margin call, liquidation, fees, penalties, or other measures may apply according to the transaction documents.

5.5. Collateral return is performed only after the loan is fulfilled and the required checks are completed.

6. Payments, Fees, and Rates

6.1. The Platform may show rates, commissions, repayment schedules, payout amounts, liquidation thresholds, and other financial parameters.

6.2. The final terms of a transaction are fixed in the relevant documents and confirmations.

6.3. The user is responsible for network fees, wallet address accuracy, and the consequences of sending assets to an incorrect address or unsupported network.

7. Risk Disclosure

7.1. Digital assets and market rates may be highly volatile.

7.2. Blockchain transactions may be irreversible, delayed, or affected by network congestion, fees, errors, and third-party infrastructure.

7.3. The Platform may depend on custodial, blockchain, oracle, banking, payment, compliance, and other infrastructure providers.

7.4. The user should assess the risks independently and obtain professional advice where necessary.

8. Personal Data and Communications

8.1. Personal data is processed according to the Personal Data Processing Policy.

8.2. The Platform may send service, security, transactional, legal, and marketing communications through the contact channels submitted by the user.

8.3. The user must keep contact details up to date.

9. Intellectual Property

9.1. The Platform, interface, documentation, trademarks, texts, graphics, software, and other materials belong to Fundora Capital or its licensors.

9.2. The user receives a limited right to use the Platform only for its intended purpose.

9.3. Copying, modifying, distributing, reverse engineering, or otherwise using Platform materials outside the permitted scope is prohibited unless separately allowed in writing.

10. Liability

10.1. The user is responsible for breach of this Agreement, inaccurate information, unlawful actions, and misuse of the Platform.

10.2. Fundora Capital is not liable for losses caused by user error, incorrect wallet details, third-party services, blockchain failures, market volatility, or force majeure events, except where liability cannot be excluded by law.

10.3. To the maximum extent permitted by law, the Platform is provided as available and without guarantees of uninterrupted operation.

11. Termination

11.1. The user may stop using the Platform at any time, subject to fulfillment of existing loans.

11.2. Fundora Capital may suspend or terminate access if required for security, legal, operational, or contractual reasons.

11.3. Termination of access does not cancel loans that arose before termination.

12. Changes to the Agreement

12.1. Fundora Capital may update this Agreement by publishing a new version in the documentation or on the Platform.

12.2. Continued use of the Platform after publication of changes means acceptance of the updated Agreement.

13. Applicable Law and Dispute Resolution

13.1. This Agreement is governed by applicable law specified in the relevant transaction documents or by the law applicable to Fundora Capital operations.

13.2. Disputes should first be resolved through negotiations and support channels. If no agreement is reached, disputes are resolved according to the procedure defined by applicable law and transaction documents.