1. Definitions
"LIQUMO", "we" and "us" refer to Liqumo Labs LLC, a Delaware limited liability company with its business and mailing address at 2810 N Church St, STE 91470, Wilmington, DE 19802, United States, which operates the Service. These Terms are an agreement between you and Liqumo Labs LLC. "Service" means the LIQUMO website, mobile applications and related software. "Protocols" means independent third-party smart contract systems such as Uniswap, Aave, Morpho, Curve and Yearn. "Networks" means blockchain networks such as Ethereum, Base, Arbitrum and Arc. "Wallet" means software or hardware under your control that stores your keys and signs transactions. "Smart account" means a smart contract account deployed for your Wallet and controlled solely by it; LIQUMO cannot sign for it. "Content" means data, scores, text and other material presented in the Service.
2. The Service
LIQUMO provides market intelligence and transaction-building software for on-chain liquidity: aggregation of publicly available yield data, quantitative risk scoring, strategy allocations generated by a scoring engine, an AI assistant, and tools that construct transactions for execution on Protocols and Networks. LIQUMO is software. It is not a bank, lender, broker-dealer, exchange, custodian, investment company or investment adviser, and nothing in the Service constitutes an offer of securities or a solicitation to purchase any financial instrument.
3. Acceptance and eligibility
By accessing or using the Service you agree to these Terms of Service (the "Terms") and to our Privacy Policy. You must be at least 18 years old and have full legal capacity. You may not use the Service if you are located in, or are a resident or national of, a jurisdiction under comprehensive sanctions, or if your use would violate applicable law, including securities, commodities, tax and anti-money-laundering rules. Restricted jurisdictions include Cuba, Iran, North Korea, Syria, the Crimea region of Ukraine, including Sevastopol, the so-called Donetsk People's Republic and Luhansk People's Republic regions of Ukraine, the Kherson and Zaporizhzhia regions of Ukraine, and any other jurisdiction subject to comprehensive U.S. sanctions.
The Service restricts access from locations in the restricted jurisdictions listed above, screens the sending and receiving addresses of swaps and transfers to and from Tempo under Section 9B.3 and of transfers to another address under Section 9B.5 against public sanctions lists, and may decline to construct a transaction where an address is listed, where the screening cannot be completed or where it has reason to believe that this Section would be breached. Such a restriction is a control of the Service, not a determination about you, and does not relieve you of your obligations under this Section.
4. Non-custodial architecture
LIQUMO never takes possession, custody or control of your assets. Transactions are constructed by the Service and signed by you in your own Wallet. You alone control your keys. We cannot freeze, reverse, recover or move your assets, and we cannot restore access to a lost Wallet. Blockchain transactions are generally irreversible once confirmed.
5. Information, not advice
All Content, including risk scores, strategy profiles, Smart Deposit allocations and AI assistant answers, is generated from public data by automated methods and is provided for information only. It does not constitute investment, legal, accounting or tax advice, a personal recommendation, or an assessment of suitability for you. Strategy names such as "Conservative" describe relative risk within the Service, not safety in an absolute sense; every strategy can lose value, including its full amount. Displayed yields are variable protocol rates observed at a point in time; they are not guaranteed, not projections, and past performance does not predict future results. You are solely responsible for your decisions and should consult a qualified professional where appropriate.
6. Fees for use of the Service
6.0. Nature of the fees. LIQUMO provides software that constructs transactions for you to review and sign. LIQUMO does not itself exchange, transfer, lend, borrow or hold any digital assets: swaps, limit orders, cross-chain transfers and deposits are executed by third-party Protocols and services. The fees in this Section are charged for the use of the Service to construct and route the relevant transaction and are calculated by reference to the amount of that transaction.
6.1. Deposits. Use of the Service for a deposit carries a fee of 0.25% of the deposited amount, transferred on-chain to the LIQUMO fee address. Where the Service swaps a token into the asset of a vault as part of a deposit, a single fee is charged: the swap carries a fee at the higher of the deposit rate and the rate that applies to the pair under Section 6.2, and no further fee is charged on the deposit.
6.2. Swaps. Use of the Service to construct a swap carries a fee of 0.25% of the amount of the token sold. Where both the token sold and the token bought belong to the US dollar group or to the euro group of the verified token list of the Service, as identified by their contract addresses, the fee is 0.05%; swaps between EURC and USDC are treated as such swaps. The fee is taken in the token sold. Where a swap and a deposit are carried out as one operation, a single fee is charged at the deposit rate under Section 6.1. Where a swap is executed through a third-party service that collects the fee on our behalf, that service may retain a part of it; the fee shown to you does not change as a result.
6.3. Cross-chain transfers. Use of the Service to construct a transfer between Networks carries a software fee of 0.05%, calculated on the amount of the transaction the Service constructs, in either direction and for every token offered for transfer, including transfers from Arc, taken in the transferred token. Fees of Circle for the transfer are separate: they are deducted from the amount received on the destination Network or paid in the native coin of the source Network, as shown before you sign. For a transfer to Tempo, the fee of Across is deducted from the amount received on Tempo, as shown before you sign; where you offer a token other than USDC, it is first swapped into USDC under Section 6.2, and no further fee under this Section is charged on the transfer. For a transfer from Tempo, the fee under this Section is taken in USDC.e on Tempo and the fee of Across is deducted from the amount received on the destination Network, as shown before you sign; where you offer OUSD, it is first swapped into USDC.e under Section 6.2, and no further fee under this Section is charged on the transfer.
6.4. Execution of fees. Where your Wallet or smart account executes an operation as a single batched transaction (EIP-5792 or ERC-4337), the fee, the token approvals and the operation are confirmed with a single signature and executed atomically; if the operation fails, no fee is charged. Where it does not, each step of the operation, including the transfer of the fee, is a separate transaction that you sign in turn, in the order shown before you sign; for deposits, the fee is transferred as the last step, after the deposit is made. You agree to pay the fee for each operation you carry out with transactions constructed by the Service, whether it is executed as one transaction or step by step.
6.5. General. The exact fee amount is displayed before you sign. Network fees (gas), Protocol fees and other third-party costs are separate, are not received by LIQUMO, and may materially affect returns. Where LIQUMO pays the network fee of a smart account operation, this is shown before you sign and may be limited in number per day. On Networks where LIQUMO does not pay the network fee of a smart account operation, the network fee is paid in USDC from your smart account to the paymaster of Pimlico, at its own rate, which includes its margin, and based on the gas actually used. The approval you sign is limited to the maximum amount shown before you sign, and any unused amount remains in your smart account. LIQUMO does not receive any part of this payment. We may change our fees prospectively; the fee applicable to a transaction is always the one shown to you before signing. A reduction of a fee may apply before these Terms are updated to reflect it; an increase of a fee applies only from the effective date of a revision of these Terms under Section 23.
6.6. Limit orders. Use of the Service to place a limit order through CoW Protocol carries a fee at the rate that applies to a swap of the same pair under Section 6.2, calculated on the order volume. The fee is recorded in the order as a partner fee of CoW Protocol and is collected from the execution of the order; an order is filled only if you receive at least the minimum amount you specified after all fees. No fee is charged for an order that is not filled or is cancelled before it is filled. CoW Protocol charges its own fees, which are not received by LIQUMO.
6.7. Transfers to another address. Use of the Service to construct a transfer to another address within the same Network under Section 9B.5 carries no LIQUMO fee. The network fee is paid under Section 6.5 and is shown before you sign.
7. Taxes
You are solely responsible for determining and satisfying your tax obligations arising from on-chain activity, including income, capital gains and reporting duties in your jurisdiction. LIQUMO does not provide tax reporting and does not withhold taxes.
8. Risk disclosure
On-chain activity involves material risk. By using the Service you acknowledge and accept, without limitation: vulnerabilities and exploits in smart contracts; impermanent loss in liquidity positions; depegging or failure of stablecoins and other assets; bridge and cross-chain transfer failures, including delays in attestation; oracle manipulation or error; liquidation of leveraged or collateralised positions; governance attacks and protocol parameter changes; extreme market volatility; network congestion, reorganisations and downtime; regulatory action affecting Protocols, Networks or assets; and the possibility of total loss of funds. You should never commit funds you cannot afford to lose.
9. Third-party protocols, networks and bridges
Positions are executed on independent Protocols and Networks that we do not control, and cross-chain transfers rely on third-party infrastructure such as Circle CCTP. Your use of any Protocol is subject to that Protocol's own terms and code. LIQUMO is not responsible for the operation, security, availability or governance of Protocols, Networks, Wallets or bridges, nor for losses arising from them. The inclusion of a Protocol or pool in the Service is not an endorsement.
9B. Swaps, limit orders and cross-chain transfers
9B.1. Swaps. The Service obtains quotes from third-party routing services and liquidity sources, which may include KyberSwap, 1inch, 0x, Uniswap, Circle, the Stablecoin DEX of Tempo and the venues they route through, and constructs a transaction that you sign in your Wallet. LIQUMO is not a counterparty to any swap and does not execute, match or settle trades. A quote is an observation at the time it is obtained, is valid for a short period and is not a guaranteed price. Some routing services retain their own fee from the swap; any such fee is already reflected in the quoted amount and in the minimum amount shown before you sign, and is not received by LIQUMO. Each swap transaction specifies a minimum amount to be received, derived from the quoted amount less a slippage tolerance shown before you sign; if the minimum cannot be met at execution, the transaction fails and network fees already incurred are not refunded. Where a swap and a deposit are carried out as one operation, any amount received above the minimum used for the deposit remains in your Wallet or smart account.
9B.2. Tokens. The Service constructs swaps only for tokens of its verified token list, identified by contract address rather than by name or symbol. Inclusion of a token in the list is not an endorsement, and the list may change prospectively. A stablecoin may lose its peg, and its issuer may freeze or redeem it under its own terms.
9B.3. Cross-chain transfers. Transfers between Networks, other than transfers to Tempo, use the Cross-Chain Transfer Protocol of Circle, under which tokens are burned on the source Network and minted on the destination Network after an attestation by Circle. Minting on the destination Network may be initiated by a service of Circle or by software of the Service that submits the attestation of Circle to the Network, and may be delayed by Network congestion, finality requirements or unavailability of Circle infrastructure. Where minting is not completed automatically, the Service provides the information needed to complete it manually. You are responsible for the correctness of the destination Network and recipient address; a transfer cannot be reversed by LIQUMO once the tokens are burned. Transfers to Tempo use Across Protocol: you deposit USDC into the Across contract on the source Network, and an independent relayer delivers USDC.e to the recipient address on Tempo; where you choose to receive OUSD, the USDC.e delivered on Tempo is swapped into OUSD on the Stablecoin DEX of Tempo for the recipient, subject to the minimum amount shown before you sign. If the transfer is not filled before the deadline shown before you sign, including where the minimum amount of OUSD cannot be met, Across returns the USDC to your address on the source Network. Transfers from Tempo also use Across Protocol: you sign the transaction in your Wallet on Tempo, USDC.e is deposited into the Across contract on Tempo, and an independent relayer delivers USDC to the recipient address on the destination Network; where you offer OUSD, it is first swapped into USDC.e on the Stablecoin DEX of Tempo for the amount of the deposit, and any remaining OUSD stays in your Wallet. If a transfer from Tempo is not filled before the deadline shown before you sign, Across returns the USDC.e to your address on Tempo. The recipient may be your own address or another address you enter, such as a deposit address of a third-party service, and you are responsible for its correctness. Swaps between OUSD and USDC.e within Tempo are executed on the Stablecoin DEX of Tempo, and the token bought is received only by the Wallet that signs the swap. Network fees on Tempo are paid in a stablecoin rather than in a native coin; where your Wallet has no fee token set, the transaction constructed by the Service sets the token you offer as the fee token of your Wallet.
9B.4. Limit orders. A limit order is an instruction, signed by you, to sell a specified amount of one token for at least a specified amount of another, placed with CoW Protocol on Ethereum, Base and Arbitrum. An order is valid for the period shown before you sign, currently seven days by default and no longer than one year. Tokens remain in your Wallet or smart account until the order is filled, and you approve the CoW Protocol contracts to transfer the token sold for that purpose. Orders are filled, if at all, by independent third-party solvers; LIQUMO does not fill orders and does not guarantee that an order will be filled, in full or at all, before it expires. An order is placed only after you sign it. Cancellation of an order takes effect only if it reaches CoW Protocol before the order is filled.
9B.5. Transfers to another address. The Service can construct a transaction that transfers a token from your Wallet or smart account to another address that you enter, on the same Network. The transaction is a transfer under the contract of the token or, for the native coin of the Network, a transfer of value; no Protocol or routing service is involved. From a smart account, only tokens of the verified token list can be transferred, and the amount must be at least the minimum shown in the Service. Before constructing the transaction, the Service checks the sending and receiving addresses against public sanctions lists and does not construct it where an address is listed or where the screening cannot be completed. You are solely responsible for the correctness of the recipient address and for confirming that it can receive the token on that Network; the address may belong to a third party, including a service that does not support the token or the Network. A transfer is final once it is included in a block and cannot be reversed, recalled or refunded by LIQUMO. LIQUMO does not sign or submit a transfer without your signature.
9C. Rewards of third-party programmes
9C.1. Displayed yield. The yield shown for a vault or a strategy may include rewards paid under incentive programmes of third parties, such as campaigns distributed through Merkl, in addition to the yield generated by the Protocol itself. Before you sign, the Service shows separately the part of the yield generated by the Protocol and the part attributable to rewards, together with the tokens in which rewards are paid. Only programmes open to any depositor of the relevant vault are taken into account; programmes that require participation through another service are not.
9C.2. Nature of rewards. Rewards are granted and paid by the organisers of the programmes, not by LIQUMO. The organiser determines the amount, the reward token, the conditions and the duration of a programme and may change, suspend or end it at any time, including without notice. Reward rates are variable, are calculated by the organiser and its distribution service and are not guaranteed. Rewards are usually paid in tokens other than the token you deposited, and the value of such tokens may fall substantially or become zero, so the yield attributable to rewards may differ materially from the yield shown.
9C.3. Accrual and claiming. Rewards accrue to the address that holds the deposit, under the rules of the programme, and are not added to your deposit automatically. Rewards must be claimed with a transaction, which you sign and which incurs network fees; LIQUMO charges no fee for claiming rewards; unclaimed rewards may become unavailable under the rules of the programme. Where the Service shows rewards available to you and constructs a transaction to claim them, the amounts are those reported by the distribution service of the programme at that time; the amount you receive is determined by the distribution contract at execution and may differ from the amount shown. Rewards are transferred to the address that holds the deposit and are not reinvested unless you sign a separate deposit. LIQUMO does not hold, distribute or guarantee rewards and is not responsible for the calculation, delay or non-payment of rewards by the organiser or its distribution service.
10. Acceptable use
You agree not to: use the Service for money laundering, terrorist financing, fraud, sanctions evasion or market manipulation; attack, probe, overload or disrupt the Service or its infrastructure; scrape or harvest data beyond ordinary use; misrepresent your identity or jurisdiction; or use the Service in any manner that violates applicable law or the rights of others. We may restrict or terminate access for breach of this section without prejudice to other remedies.
11. Intellectual property
The LIQUMO name, logo, design, interface and Content are owned by us or our licensors and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable and revocable licence to access and use the Service for its intended purpose. No other rights are granted.
12. Privacy
Our processing of information is described in the Privacy Policy, which forms part of these Terms.
13. Disclaimers
The Service is provided "as is" and "as available", with all faults and without warranty of any kind. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy, availability and non-infringement. We do not warrant that the Service will be uninterrupted, error-free or that data will be accurate or current.
14. Limitation of liability
To the maximum extent permitted by law, LIQUMO, its directors, employees and partners are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data, goodwill or funds, arising out of or relating to the Service, Protocols, Networks, Wallets or bridges, even if advised of the possibility of such damages. Where liability cannot be excluded, our aggregate liability for all claims relating to the Service is limited to the total fees you actually paid to LIQUMO under Section 6 in the twelve months preceding the event giving rise to the claim.
15. Indemnification
You agree to indemnify and hold harmless LIQUMO and its team from claims, damages, losses and expenses (including reasonable legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any law or the rights of a third party.
16. Suspension and termination
We may modify, suspend or discontinue the Service, in whole or in part, at any time. You may stop using the Service at any time; because the Service is non-custodial, your positions remain under your control in your Wallet and on the relevant Protocols. Sections 5 through 9C, 10 through 15 and 18 through 23 survive termination.
17. Force majeure
We are not liable for any failure or delay caused by events beyond our reasonable control, including network or blockchain failures, acts of government, war, natural disasters and failures of third-party infrastructure.
18. Assignment
You may not assign these Terms without our prior written consent. We may assign them in connection with a merger, acquisition or sale of assets, with notice where required by law.
19. Severability, waiver and entire agreement
If any provision of these Terms is held unenforceable, the remainder stays in effect. A failure to enforce a provision is not a waiver. These Terms, together with the Privacy Policy, are the entire agreement between you and LIQUMO regarding the Service.
20. API access
LIQUMO may provide programmatic access to market data and the strategy engine (the "API"). The evaluation tier of the API is offered free of charge at fair-use rates, requires attribution in public products, and is provided without any service level commitment. Production use, commercial redistribution, higher rate limits and white-label embedding require a separate written agreement and an issued API key. You may not circumvent rate limits, misrepresent the origin of API data, or use the API to build a competing scoring product. We may suspend API access for abuse or breach, with notice where practicable.
21. White label partnerships
LIQUMO offers the Service as a white-label product: the engine, web application and mobile applications operated for a partner under the partner's brand. Every white-label deployment is governed by a separate written white-label agreement that defines scope, branding, service levels, fees and revenue share; these Terms apply to the underlying technology except where that agreement states otherwise. The partner is responsible for its own client relationships, marketing claims, regulatory obligations in the partner's jurisdictions, and for the distribution of partner-branded applications under the partner's own store accounts. LIQUMO remains the owner and operator of the underlying engine, data pipelines and infrastructure in all white-label deployments.
22. Governing law and disputes
These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles. The state and federal courts located in New Castle County, Delaware have exclusive jurisdiction over disputes arising from these Terms or the Service, except where mandatory consumer protection law grants you another forum.
23. Changes to these Terms
We may revise these Terms from time to time. The version and date above identify the current text. Material changes will be announced within the Service. Where a revision increases a fee under Section 6 or otherwise changes these Terms to your disadvantage, we will announce it within the Service at least 30 days before its effective date. Changes that reduce a fee or are otherwise to your benefit, and changes required by law, may take effect earlier. A transaction you sign before the effective date is governed by the fee shown to you before signing. Continued use after the effective date of a revision constitutes acceptance.
24. Contact
Questions about these Terms: support@liqumo.com or legal@liqumo.com.