Last Updated: [July 9 2025]
1. Introduction
These Terms of Use (“Terms”) govern your access to and use of the blend.money website (the “Website”), app.blend.money interface (the “Interface”), and any associated sites, applications, or interfaces offered under the blend.money domain or that link to these Terms (together, the “Services”). The Services are operated by Variable Logic Labs (“we,” “us,” or “our”).
Blend Protocol (“Blend”) is a decentralized, non-custodial automation protocol powered by open-source, self-executing smart contracts deployed on permissionless blockchains such as Ethereum, Base, and others. All relevant source code is available for public review (“Blend Protocol”).
The Website provides information about Blend and related products. The Interface is an independent, non-custodial frontend enabling users to interact with Blend Protocol via their own self-custodial wallets.
By using the Services, you agree to these Terms and represent you are legally able to enter into a binding agreement. If you do not agree, do not use the Services. We may update these Terms at any time. Continuing to use the Services after changes means you accept the new Terms. We may modify or discontinue any part of the Services at our discretion, without notice or liability.
2. Dispute Resolution; Arbitration Agreement
If you have a dispute or claim relating to the Interface or these Terms, contact support@blend.money to attempt informal, good faith resolution. If not resolved in 60 days, you agree that any unresolved dispute or claim will be settled exclusively by confidential arbitration in [Jurisdiction—suggest Panama if following yo.xyz, otherwise specify], under the rules of [Arbitration Center/Rules]. Arbitration will be in English before a single arbitrator. The arbitrator’s award may be entered in any court of competent jurisdiction.
Class Action and Jury Trial Waiver:
You agree to bring all disputes only in your individual capacity, not as part of any class, collective, or representative action. You waive any right to a jury trial.
3. The Services
a. Non-Custodial by Design:
You always retain control of your cryptoassets. Neither we nor any affiliated entity acts as custodian or intermediary for transactions on the Protocol; we never have access to your assets or private keys. Transactions you make through Blend Protocol are under your sole control.
b. Wallets:
You interact with Blend Protocol using third-party, self-custodial wallets. These wallets are governed by their own terms, which may include risks or fees—review them carefully, as they are your sole responsibility.
c. No Intermediaries or Advice:
Blend is a non-custodial, automated protocol. We do not act as intermediaries, agents, custodians, or advisors for any transaction. Nothing on the Services is investment, legal, tax, or professional advice.
d. Limited Information:
We do not have information about your transactions beyond what is available on public blockchains. We may collect limited user data in accordance with our [Privacy Policy].
e. Blockchain Fees:
Using blockchains often involves paying network (“gas”) fees. These are non-refundable and not controlled or received by us.
4. Assumption of Risk
a. Experimental Technology:
By using Blend, you acknowledge and accept the risks of using experimental blockchain technology, including but not limited to bugs, smart contract failures, attacks, protocol changes (“forks”), and loss of assets. You are solely responsible for your decisions and transactions.
b. Third-Party Services:
We are not responsible for third-party wallets, apps, or content linked from the Services. Use them at your own risk.
c. Automated Smart Contracts:
Transactions occur automatically via smart contracts based on your settings and signed intents. You consent to this automation.
d. Irreversible Transactions:
Blockchain transactions are final, irreversible, and non-refundable. Blend cannot recover lost or misdirected assets.
e. Security:
You are solely responsible for keeping your self-custodial wallet secure and safeguarding your private keys. We cannot access, recover, or reset your wallet.
f. Right to Restrict:
We may restrict your access to the Services by any available technical means if, at our sole discretion, we suspect you are violating these Terms or applicable law (including sanctions restrictions).
g. No Guarantees of Uptime:
The Services may sometimes be unavailable due to technical issues, maintenance, blockchain downtime, or external events. Use at your own risk, and perform your own due diligence.
5. Taxes
You are solely responsible for determining and paying any taxes or duties associated with your use of the Services and any transactions, including those relating to digital assets.
6. Intellectual Property
a. Ownership:
We (or our licensors) own all intellectual property rights in the Services, including code, design, text, images, trademarks, and logos.
b. Feedback:
If you provide us feedback, you grant us a perpetual, royalty-free right to use it for any purpose.
c. Limited License:
We grant you a personal, non-exclusive, non-transferable, revocable license to use the Services, subject to these Terms. No right to modify, redistribute, or create derivative works is granted.
d. Trademarks:
You may not use our or our partners’ trademarks without prior written consent.
7. Prohibited Activities
You may not use the Services for illegal purposes, unauthorized commercial use, malicious code, reverse engineering, harvesting data, deception, interfering with others’ use, circumventing security, attacking smart contracts, or other misconduct.
Violations may result in suspension or termination of access, and we may cooperate with law enforcement as required.
8. Disclaimers
The Services are provided “as is” and “as available.”
We and our affiliates, officers, employees, or partners make no guarantees or warranties regarding accuracy, availability, security, performance, or reliability. Any use or reliance is at your own risk. We are not responsible for losses, viruses, malicious code, or unauthorized access by others.
9. Limitation of Liability
To the maximum extent allowed by law, our cumulative liability to you for any claim arising out of or relating to the Services will not exceed $100. We are not liable for direct, indirect, incidental, punitive, special, or consequential damages of any kind, including but not limited to loss of funds, data, use, profits, goodwill, or business.
We are not required to compensate you in virtual currency or deliver any specific asset as damages.
Some jurisdictions may not permit certain exclusions or limitations—if so, our liability is limited to the extent allowed by law.
10. Indemnification
You agree to indemnify and hold harmless Variable Logic Labs and affiliates from any claim, demand, loss, liability, or expense arising from your use of the Services, violation of these Terms, violation of law or third-party rights, or your use of any third-party service.
11. Waiver of Equitable Relief
You waive the right to seek injunctions or other equitable relief that would interfere with the operation or development of Blend or any related products.
12. Termination
You may terminate these Terms by ceasing to use the Services. We may terminate or restrict your access at any time if we believe you have violated these Terms or for any other reason, without notice or liability.
13. Severability
If any provision of these Terms is unenforceable, it will be severed, and the rest will remain in force.
14. Assignment
We may assign these Terms at any time. You may not assign your rights or obligations without our consent.
15. Entire Agreement
These Terms, together with our Privacy Policy, are the entire agreement between you and us regarding the Services. They supersede any prior agreements or communications.
16. Governing Law
These Terms are governed by and construed in accordance with the laws of Delaware.
17. Miscellaneous
No waiver of any right will be effective unless in writing. Section headings are for convenience only.
Provisions intended to survive termination will do so.
18. Contact
Contact us at support@blend.money with any questions.