⚠️ CRITICAL RISK DISCLOSURES - READ CAREFULLY
By using VaultDLT, you acknowledge and accept the following risks:
- VaultDLT is NOT a bank. Deposits are NOT FDIC insured.
- You can lose money. Cryptocurrency markets are volatile. Yields are not guaranteed.
- Past performance does not predict future results. Historical yields may not continue.
- Smart contract risk. Bugs or exploits in blockchain protocols could result in loss of funds.
- Your funds are held in XRPL stablecoin positions, not traditional bank accounts.
- No government protection. There is no FDIC, SIPC, or equivalent insurance on your deposits.
- Regulatory uncertainty. Crypto regulations are evolving. Future laws could impact operations.
Only deposit funds you can afford to risk. VaultDLT is a higher-risk, higher-yield alternative to traditional banking.
These Terms of Service ("Terms") govern your use of VaultDLT ("Service") operated by StackStats Apps LLC ("we," "us," "our"). By creating an account or using the Service, you agree to these Terms.
1. Acceptance of Terms
By accessing or using VaultDLT, you agree to be bound by these Terms, our Privacy Policy, and all applicable laws. If you do not agree, do not use the Service.
2. Eligibility
To use VaultDLT, you must:
- Be at least 18 years old
- Have the legal capacity to enter into binding contracts
- Not be located in a jurisdiction where cryptocurrency services are prohibited
- Comply with all applicable laws in your jurisdiction
We reserve the right to refuse service to anyone for any reason.
3. What VaultDLT Is (and Isn't)
3.1 VaultDLT IS:
- A software platform for managing stablecoin positions on the XRP Ledger
- A tool for earning yields through DeFi protocols
- A dashboard for tracking deposits, withdrawals, and earnings
3.2 VaultDLT IS NOT:
- A bank or financial institution
- A registered investment advisor or broker-dealer
- An FDIC-insured deposit account
- A custodian (you maintain control of your blockchain wallets)
- A guarantee of any specific yield or return
4. Account Registration
To use VaultDLT, you must:
- Provide accurate, current, and complete information
- Maintain and update your account information
- Keep your password secure and confidential
- Notify us immediately of any unauthorized access
You are responsible for all activity under your account.
5. Pricing and Payments
5.1 Plans
- Free: 1 vault, up to $10,000 deposited, basic features
- Pro ($29/month): Unlimited vaults, unlimited deposits, advanced features
- Business ($79/month): Everything in Pro plus team access, API, priority support
5.2 Billing
- Subscriptions are billed monthly or annually in advance
- Payment is processed by third-party providers (Stripe, etc.)
- All fees are non-refundable except as required by law
- We may change pricing with 30 days' notice
- You can cancel anytime; cancellation takes effect at the end of the current billing period
5.3 Yield Distribution
VaultDLT does NOT charge fees on yields earned. 100% of yields generated by your vaults accrue to your account. We generate revenue solely through subscription fees.
6. Using the Service
6.1 Permitted Use
You may use VaultDLT to:
- Create vaults and deposit stablecoins
- Earn yields through supported DeFi protocols
- Withdraw funds at any time (subject to blockchain settlement)
- Access reports and statements for tax/accounting purposes
6.2 Prohibited Use
You may NOT:
- Use the Service for illegal activities (money laundering, fraud, terrorism financing)
- Violate any laws or regulations in your jurisdiction
- Attempt to hack, reverse engineer, or exploit the Service
- Create multiple accounts to evade limits
- Use the Service if you are a resident of a sanctioned country
- Impersonate others or provide false information
7. Deposits and Withdrawals
7.1 Deposits
- You deposit stablecoins (RLUSD, USDC) to blockchain addresses controlled by your vault
- Deposits are credited after blockchain confirmation
- Minimum deposits may apply (displayed in the dashboard)
- You are responsible for sending to the correct address; we cannot reverse blockchain transactions
7.2 Withdrawals
- Withdrawals are processed on the XRP Ledger, typically within seconds
- Withdrawal limits may apply based on your plan
- Large withdrawals may require additional verification
- We reserve the right to delay or refuse suspicious withdrawals
7.3 Blockchain Fees
You are responsible for blockchain transaction fees (gas fees, network fees). These are paid to the blockchain network, not to VaultDLT.
8. Yields and Returns
⚠️ CRITICAL YIELD DISCLAIMERS
- Yields are variable and not guaranteed. Rates fluctuate based on market conditions.
- Past performance does not predict future results. Historical yields may not continue.
- You can lose money. If underlying protocols fail or markets crash, your principal may decline.
- No promises. We do not promise, guarantee, or warrant any specific yield or return.
- Your responsibility. You are solely responsible for assessing the risk and suitability of using VaultDLT.
9. Risk Acknowledgment
You explicitly acknowledge and accept the following risks:
9.1 Market Risk
Cryptocurrency markets are highly volatile. Stablecoin values, while designed to remain stable, can fluctuate. Yields can drop to zero or become negative.
9.2 Smart Contract Risk
Your funds interact with smart contracts on the XRPL and potentially other blockchains. Bugs, exploits, or protocol failures could result in partial or total loss of funds.
9.3 Counterparty Risk
Yields are generated by lending or providing liquidity to third parties. If those parties default, yields may not be realized or principal may be lost.
9.4 Regulatory Risk
Cryptocurrency regulations are evolving. New laws could restrict or prohibit services like VaultDLT, potentially limiting your access to funds.
9.5 Technology Risk
Blockchain networks can experience outages, congestion, or attacks. This could delay transactions or temporarily prevent access to funds.
9.6 Stablecoin Risk
Stablecoins are designed to maintain a 1:1 peg with fiat currency, but this is not guaranteed. "De-pegging" events can result in loss of value.
10. Taxes
You are solely responsible for determining and paying all applicable taxes on yields earned through VaultDLT. We provide transaction history and reports to assist with tax filing, but we do not provide tax advice. Consult a qualified tax professional.
11. Termination
11.1 By You
You may close your account at any time by withdrawing all funds and canceling your subscription.
11.2 By Us
We may suspend or terminate your account if:
- You violate these Terms
- We suspect fraudulent or illegal activity
- Required by law or regulatory action
- We cease operations (with reasonable notice)
Upon termination, you will have a reasonable period to withdraw your funds.
12. Limitation of Liability
⚠️ IMPORTANT LIABILITY LIMITS
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- VaultDLT is provided "AS IS" without warranties of any kind
- We are NOT liable for any loss of funds, lost profits, or consequential damages
- Our total liability to you is limited to the subscription fees you paid in the 12 months prior to the claim
- We are NOT responsible for blockchain failures, smart contract bugs, or third-party protocol failures
- We do NOT guarantee uninterrupted or error-free service
Some jurisdictions do not allow limitations on warranties or liability. If these limits are not enforceable in your jurisdiction, they do not apply to you.
13. Indemnification
You agree to indemnify and hold harmless StackStats Apps LLC, its officers, employees, and agents from any claims, damages, or expenses arising from:
- Your use of VaultDLT
- Your violation of these Terms
- Your violation of any laws or third-party rights
14. Dispute Resolution
14.1 Governing Law
These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.
14.2 Arbitration
Any disputes arising from these Terms or your use of VaultDLT will be resolved through binding arbitration in accordance with the American Arbitration Association rules, rather than in court. You waive your right to a jury trial or to participate in class actions.
Exception: You may bring claims in small claims court if they qualify.
15. Changes to Terms
We may update these Terms at any time. We will notify you of material changes via email or prominent site notice. Continued use after changes constitutes acceptance. If you disagree with changes, you may close your account.
16. Miscellaneous
16.1 Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and VaultDLT.
16.2 Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions remain in effect.
16.3 No Waiver
Our failure to enforce any provision does not waive our right to enforce it later.
16.4 Assignment
You may not assign these Terms. We may assign them to a successor entity.
17. Contact
Questions about these Terms?
Email: [email protected]
Company: StackStats Apps LLC
Final Reminder: VaultDLT is a powerful tool for earning yield on business cash, but it carries real financial risk. Only deposit funds you can afford to risk. Past yields do not guarantee future returns. Always do your own research and consult professionals before making financial decisions.