Disclaimer

Important Notice

The information provided through this website and associated services is for general informational purposes only. Nothing contained herein constitutes financial, investment, legal, or tax advice. You should not rely on this information to make any financial decisions. Always conduct your own research and consult with qualified professionals before making any investment decisions.

Relationship to Terms of Service

This Disclaimer is a plain-language summary of certain key points contained in our Terms of Service. The Terms of Service are the legally binding agreement between you and Philidor Labs LLC, a Wyoming limited liability company ("Philidor"), and incorporate this Disclaimer and the Privacy Policy by reference. In the event of any conflict, ambiguity, or inconsistency between this Disclaimer and the Terms of Service, the Terms of Service shall control. All capitalized terms not defined in this Disclaimer have the meanings given in the Terms of Service. This Disclaimer does not replace the Terms of Service; you are bound by both.

1. No Financial Advice; No Adviser Relationship

The content, data, risk scores, ratings, classifications, indicators, alerts, and all other information provided through Philidor and its services (collectively, the "Data") are provided for informational and educational purposes only. Nothing in this website constitutes, or is intended to constitute:

• Financial, investment, trading, tax, legal, or accounting advice;
• A recommendation, solicitation, endorsement, or offer to buy, sell, hold, stake, deposit, withdraw, or otherwise transact in any digital asset, token, vault, protocol, security, derivative, or financial instrument;
• A guarantee, prediction, or forecast of future performance, returns, value, or risk; or
• An invitation or inducement to engage in any investment activity.

Philidor does not provide investment advice within the meaning of the Investment Advisers Act of 1940 or any analogous state or non-US law. Philidor does not effect transactions in securities and is not a broker-dealer under Section 3(a)(4) of the Securities Exchange Act of 1934, is not an exchange, alternative trading system, or clearing agency, is not a commodity trading advisor, commodity pool operator, introducing broker, or futures commission merchant under the Commodity Exchange Act, is not a transfer agent under Section 17A of the Securities Exchange Act of 1934, is not a money services business, money transmitter, or virtual currency business under any federal or state law (including without limitation 31 U.S.C. § 5330, the New York virtual currency "BitLicense" regulations, or any state money transmission statute), and is not registered as any such entity in any jurisdiction. Philidor does not custody, hold, transmit, exchange, issue, redeem, or otherwise effect transactions in digital assets, securities, commodities, derivatives, fiat currency, or other financial instruments on your behalf.

Philidor's analysis, scores, classifications, and other output constitute generalized data and commentary published for a broad audience through impersonal means and are not personalized to your individual circumstances, investment objectives, financial condition, or particular needs, nor are they designed to constitute advice with respect to any specific security, commodity, digital asset, vault, protocol, or instrument. We are not your fiduciary. Any decisions you make based on information from our services are made at your own risk and sole discretion.

2. No Affiliation with Analyzed Entities

Philidor has no agency, partnership, joint venture, employment, brokerage, sponsorship, common control, or other business relationship with any protocol, vault, smart contract, token issuer, curator, deployer, validator, operator, or other entity referenced, scored, ranked, classified, or otherwise analyzed by our services, except as expressly disclosed in writing on the services or in a signed agreement between Philidor and such entity. The inclusion or analysis of any such entity by our services does not constitute an endorsement, sponsorship, recommendation, certification, audit, vetting, or approval by Philidor. Philidor has no ability to control, audit, modify, suspend, or remediate the conduct, smart-contract code, governance, or operations of any analyzed entity.

3. No Reliance; No Duty to Update

To the maximum extent permitted by applicable law, you expressly waive any claim, cause of action, or theory of liability against Philidor predicated on reliance — reasonable, foreseeable, justified, or otherwise — upon any rating, score, classification, tier label, indicator, alert, ranking, or analysis published through our services. Any decision you (or any agent, affiliate, or third party acting at your direction or for your benefit) make to deploy, withdraw, allocate, rebalance, or otherwise act with respect to any capital, asset, position, or instrument is conclusively presumed to be the result of your own independent analysis, due diligence, and judgment, undertaken without reliance on our services or the Data.

Philidor has no duty to update, correct, supplement, recalculate, retract, withdraw, or notify you or any third party of any change to, or error in, any previously published Data, methodology, score, classification, tier assignment, alert, or analysis, even if Philidor subsequently becomes aware of facts that would alter such Data. Any obligation of Philidor to update or correct Data exists, if at all, solely pursuant to a separate written agreement signed by an authorized officer of Philidor.

4. No Guarantees or Warranties

All information, data, risk ratings, analytics, and materials provided through our services are provided “as is” and “as available” with all faults and without warranties of any kind, whether express, implied, statutory, or otherwise, including without limitation any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, reliability, availability, timeliness, security, and quiet enjoyment.

5. Data Accuracy and Limitations

We make no representations or warranties regarding the accuracy, completeness, timeliness, reliability, or availability of any Data or information provided through our services. Data is gathered from third-party sources, oracles, indexers, and blockchain networks, which may contain errors, be outdated, be manipulated, or be incomplete, and any such errors or omissions may propagate into the Data.

Our risk scores, APR/APY calculations, tier classifications, and other metrics are produced by proprietary models that involve assumptions, estimations, and judgment calls; they may contain errors in methodology or computation, may not capture all relevant risks, and may change methodology at any time without notice. You are encouraged to verify all metrics independently using public blockchain explorers and other authoritative sources before relying on them for any decision.

6. Risk Ratings

Our risk tier ratings (Prime, Core, Edge) are relative classifications based on our proprietary methodology. These ratings are not recommendations, not guarantees of safety or performance, are not predictions of future results, may not reflect all relevant risks, and may change at any time without notice.

A high rating does not mean a vault is safe or will perform well. A low rating does not mean a vault will fail. Past performance, past ratings, and historical metrics are not indicative of future results.

7. DeFi and Cryptocurrency Risks

Decentralized finance (DeFi), digital assets, tokenized real-world assets, smart contracts, and related instruments carry substantial risk. You acknowledge and accept that:

• You may lose all amounts deployed to any protocol or instrument referenced or analyzed by our services;
• Smart contracts may contain bugs, vulnerabilities, or exploits that could result in loss of funds;
• Underlying protocols may fail, be hacked, be exploited, or be shut down;
• Cryptocurrency regulations are evolving and uncertain; your activities may become restricted or unlawful;
• Cryptocurrency prices are highly volatile and unpredictable;
• You may not be able to exit positions when desired;
• Oracles and price feeds may be manipulated or fail;
• Protocol governance decisions may adversely affect your positions;
• Chain reorganizations, forks, or halts may invalidate prior transactions.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Philidor Labs LLC and its affiliates, officers, directors, members, employees, agents, licensors, and suppliers shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, revenue, business opportunities, goodwill, data, cryptocurrency, digital assets, or funds, arising from or related to your use of our services. This limitation applies regardless of the theory of liability, even if we have been advised of the possibility of such damages.

Additional limitations of liability, including an aggregate cap, are set forth in Section 11 of the Terms of Service, which control in the event of any conflict with this Disclaimer.

9. Your Responsibility

You are solely responsible for:

• Conducting your own research and due diligence;
• Evaluating the risks of any investment or transaction;
• Making your own investment, trading, and capital-allocation decisions;
• Complying with all applicable laws, regulations, and tax obligations;
• Consulting with qualified legal, tax, and financial advisors as needed;
• Understanding the technology, protocols, and risks involved in DeFi and digital assets;
• Safeguarding your wallets, private keys, and account credentials.

You further represent that you are a sophisticated party using our services for business or commercial purposes only and not as a "consumer," as set forth more fully in Section 4 of the Terms of Service.

10. Changes

This Disclaimer may be modified, supplemented, or replaced from time to time. Modifications take effect upon posting an updated version on the services, except that material changes affecting your rights or obligations under our agreement with you are governed by the notice procedures set forth in Section 15 of the Terms of Service. Your continued use of our services after the effective date of any modification constitutes acceptance of the modified Disclaimer.

By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer, our Terms of Service, and our Privacy Policy. You further represent and warrant that you are a sophisticated party using our services for business or commercial purposes only and not as a consumer. If you do not agree to all of these documents, you must not access or use our services.