Website terms

TORQ Labs Inc. is incorporated in the British Virgin Islands. TORQ, we and us refer to TORQ Labs Inc.

These terms cover torq.finance, and using this website means you agree to them. Website use does not open an account, create a financing commitment or grant platform access.

TORQ Labs Inc. provides software. It does not perform asset management or act as the manager of a vault, fund or credit facility.

Asset managers and other participants remain responsible for their mandates and activities. Software access does not authorize TORQ Labs Inc. to manage assets or make investment decisions.

Application access, integrations, vault participation and credit facilities require their applicable terms and eligibility checks. Product agreements identify the relevant parties, responsibilities, fees, collateral, loss priority and exit conditions.

The applicable software or product agreement governs the service it covers. These website terms do not amend those agreements or grant rights over assets.

Website access does not establish eligibility for any product. Availability depends on the participant, product, jurisdiction and applicable requirements.

Do not use the website in breach of applicable law, sanctions or export restrictions, or evade access controls. If you act for an organization, you must have authority to do so.

Website content is general information, not a personalized recommendation or investment, legal, tax or accounting advice. Publishing information does not itself establish an advisory, fiduciary or customer relationship.

Descriptions, examples and projections may be illustrative, incomplete or outdated. Review the applicable product documents and obtain independent advice before making a financial decision.

Digital and tokenized assets can lose value, and credit participation can result in partial or total loss. Borrower default, collateral shortfalls, issuer failure and changing valuations can affect outcomes.

Withdrawals and redemptions may face liquidity limits, queues or restrictions under the applicable product terms. Yield, repayment, insurance coverage and recoveries are not assured by this website.

Smart-contract defects, compromised keys, oracle errors, network disruption and third-party failures can cause loss or delay. Blockchain transactions may be irreversible.

Operator and governance powers, including upgrade, pause or recovery controls, depend on the applicable product. These website terms do not override those powers or grant TORQ Labs Inc. asset-management authority.

Do not introduce malicious code, disrupt the website, obtain unauthorized access or misuse another person's information. Do not impersonate TORQ or misrepresent affiliation, product availability or eligibility.

You must respect applicable intellectual-property rights and any documented access limits. Any security testing requires authorization or compliance with an applicable published disclosure policy.

Website materials and TORQ marks remain subject to the rights of TORQ Labs Inc. and their respective owners. You may view and retain unmodified pages for personal or internal business evaluation.

Other reproduction, distribution or use of TORQ marks requires permission unless allowed by law. Preserve ownership notices, avoid implying endorsement and respect the applicable software and third-party licenses.

Linked applications, documentation and third-party services may have separate terms and privacy notices. Check the destination and relevant operator before using them.

A link does not guarantee a third party's accuracy, security or performance. Third-party agreements do not become part of these website terms solely because we link to them.

Read the separate Privacy notice for the website's data practices. Platform accounts, identity checks and transactions require notices that reflect their actual processing.

Do not send private keys, passwords or sensitive identity documents by ordinary email. An inquiry does not authorize marketing communications or create a financial commitment.

Only send information you are entitled to share. You remain responsible for its accuracy and keep ownership of your materials.

We may use inquiry materials to respond and evaluate the request, subject to our Privacy notice and any separate agreement. Sending materials does not appoint us as your agent or authorize transactions.

We may maintain or update the website, and restrict access for security, misuse or legal reasons. Website restrictions do not themselves close financial positions or cancel separate agreements.

To the extent permitted by applicable law, the public website is provided as available, without additional warranties. This clause does not reduce obligations under a separate product agreement.

To the extent permitted by applicable law, we exclude liability for indirect or consequential losses arising from use of the public website. This exclusion does not alter separate product agreements.

Nothing excludes liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or liability that applicable law does not permit us to exclude. Non-waivable statutory and consumer rights remain protected.

We may update these website terms. Material changes will be identified here and any notice or consent required by applicable law will be provided.

Changes apply prospectively and do not rewrite accrued rights or existing product agreements. The date above identifies the latest version.

These terms are governed by British Virgin Islands law, subject to mandatory laws that apply to you. Non-waivable statutory and consumer rights remain protected.

Courts of the British Virgin Islands have non-exclusive jurisdiction over disputes concerning these website terms. This does not prevent proceedings in another forum where mandatory law protects that right.

If a provision cannot be enforced, the remaining provisions continue to apply to the extent permitted by law. A delay in enforcing a right does not waive it.

These terms concern website use only. Nothing in them creates a partnership, agency relationship or authority for TORQ Labs Inc. to act on your behalf.