Terms of Service

shyield.finance
Effective Date: November 28, 2025
Last Updated: November 28, 2025

These Terms of Service (“Terms”) govern your access to and use of the Shield Finance website at https://shyield.finance (the “Site”), the Shield Finance decentralized application (the “dApp”), and all related smart contracts, protocols, and services (collectively, the “Services”) provided by Shield Finance (“we,” “our,” or “us”).

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE SERVICES.

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not access or use the Services.

1. Acceptance of Terms

By connecting your wallet, interacting with our smart contracts, or otherwise using the Services, you acknowledge that you:

Have read and understood these Terms
Are at least 18 years old (or the age of majority in your jurisdiction)
Have the legal capacity to enter into binding agreements
Are not located in a jurisdiction where use of the Services is prohibited
Are not on any sanctions list or subject to economic restrictions

2. Description of Services

Shield Finance provides:

Liquid Staking: Stake XRP and receive shXRP liquid staking tokens
SHIELD Staking: Stake SHIELD tokens to boost shXRP yield
FAssets Bridge: Bridge XRP to FXRP on Flare Network
Token Swaps: Exchange tokens via integrated DEX protocols
Portfolio Dashboard: View and manage your DeFi positions

3. Non-Custodial Nature

3.1 You Control Your Assets

Shield Finance is a non-custodial protocol:

We never take custody of your private keys
We never take custody of your funds
All transactions require your explicit wallet signature
You are solely responsible for securing your wallet credentials

3.2 Your Responsibility

You acknowledge that:

Loss of your private keys means permanent loss of funds
We cannot recover lost, stolen, or misdirected assets
Wallet security is entirely your responsibility
Transactions are irreversible once confirmed on-chain

4. Risks and Disclaimers

4.1 Smart Contract Risk

4.2 Market and Financial Risks

Token prices are volatile and may decline significantly
APY rates are variable and not guaranteed
Liquidity conditions may prevent timely withdrawals
Impermanent loss may occur in liquidity positions
Slippage may result in less favorable execution prices

4.3 Protocol and Blockchain Risks

Network congestion may delay transactions
Hard forks or protocol changes may affect asset value
Oracle failures may cause incorrect pricing
Bridge protocols (FAssets) carry cross-chain risks
Validator or node failures may impact service availability

4.4 Regulatory Risks

Regulatory changes may restrict access to Services
Tax obligations vary by jurisdiction
Legal status of crypto assets differs globally
Compliance requirements may evolve

5. Not Financial Advice

We are not:

A registered broker, dealer, or investment advisor
A licensed financial institution
Providing personalized financial recommendations

6. Prohibited Activities

You agree NOT to:

Violate Laws: Use the Services for illegal purposes or in violation of any applicable law
Money Laundering: Use the Services to launder money, finance terrorism, or evade sanctions
Fraud: Engage in fraudulent, deceptive, or manipulative activities
Exploit Vulnerabilities: Attempt to exploit bugs or vulnerabilities in smart contracts
Attack the Protocol: Conduct DDoS attacks, spam, or other malicious activities
Circumvent Restrictions: Use VPNs or other means to access from restricted jurisdictions
Infringe Rights: Violate intellectual property or other proprietary rights
Harm Others: Harass, abuse, or harm other users

Violation may result in immediate termination of access without notice.

7. Restricted Jurisdictions

The Services are NOT available to persons or entities located in, incorporated in, or residents of:

United States of America
Countries subject to OFAC sanctions
Any jurisdiction where crypto services are prohibited

You represent and warrant that you are not accessing the Services from any restricted jurisdiction.

8. Intellectual Property

8.1 Our IP

Shield Finance and its licensors own all rights to:

The Shield Finance brand, logo, and trademarks
Website design and user interface
Documentation and educational content
Marketing materials

8.2 Open Source

Our smart contracts and certain protocol components are open source under applicable licenses. See our GitHub repository for specific license terms.

8.3 User Content

By submitting content (feedback, suggestions), you grant us a perpetual, royalty-free license to use such content for protocol improvement.

9. Third-Party Services

The Services integrate with third-party protocols and services:

Wallets: Xaman, MetaMask, WalletConnect
DEX: SparkDEX, Uniswap-compatible routers
Bridges: Flare FAssets Protocol
Oracles: Flare Time Series Oracle (FTSO)
Yield Sources: Firelight Finance

We are not responsible for third-party services. Your use is subject to their respective terms.

10. Fees

10.1 Protocol Fees

Shield Finance may charge fees for certain Services:

Deposit/withdrawal fees
Performance fees on yield
Swap fees

Current fee schedules are displayed in the dApp interface.

10.2 Network Fees

You are responsible for all blockchain network (gas) fees. These fees are paid to network validators, not to Shield Finance.

11. Limitation of Liability

12. Indemnification

You agree to indemnify, defend, and hold harmless Shield Finance, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

Your use of the Services
Your violation of these Terms
Your violation of any third-party rights
Your negligence or willful misconduct

13. Dispute Resolution

13.1 Informal Resolution

Before filing any formal dispute, you agree to contact us at legal@shyield.finance to attempt informal resolution for 30 days.

13.2 Arbitration

Any dispute not resolved informally shall be resolved by binding arbitration under the rules of the Singapore International Arbitration Centre (SIAC).

13.3 Class Action Waiver

YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

14. Termination

14.1 By You

You may stop using the Services at any time. Your smart contract positions remain on-chain and accessible via other interfaces.

14.2 By Us

We may suspend or terminate access to the Services at any time, with or without cause, with or without notice, including for:

Violation of these Terms
Legal or regulatory requirements
Security concerns

15. Modifications

We may modify these Terms at any time. Material changes will be announced via:

Banner notification on the Site
Protocol governance channels

Continued use after changes constitutes acceptance of modified Terms.

16. Governing Law

These Terms are governed by the laws of Singapore, without regard to conflict of law principles.

17. Severability

If any provision is found unenforceable, the remaining provisions continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Shield Finance.

19. Contact

For legal inquiries:

Email: legal@shyield.finance
Address: Shield Finance Foundation

For support: support@shyield.finance

These Terms of Service are provided for informational purposes and do not constitute legal advice. Smart contract interactions carry inherent risks. By using the Services, you accept full responsibility for your actions.