Terms of Service

vaults.cash (the “Service”: the website at vaults.cash, the vaults.cash mobile apps, the vaults.cash API and MCP server, and the smart contracts we publish) is operated by Prosperity Labs, LLC, an Oklahoma limited liability company (“we”, “us”). Our company site is prosperitylabs.co.

By creating an account, connecting a wallet, or using any part of the Service, you agree to these Terms, to our Privacy Policy, and to the Disclosures, which are part of these Terms. If you do not agree, do not use the Service.

The Service is self-custodial software. It helps you build transactions that you sign from your own wallet and that interact with third-party, open-source protocols on public blockchains, chiefly Uniswap v4 on Base and Robinhood Chain. Every position the Service helps you open is an NFT held in your wallet. We never hold, control or have access to your funds or your keys.

We are not a bank, broker-dealer, exchange, investment adviser, money transmitter, custodian or fiduciary, and we do not act as your agent except in the narrow, opt-in ways described in Section 7. Nothing on the Service is investment, legal, tax or financial advice. Estimated yields are extrapolations of recent pool activity, not promises.

The blockchains, pools, tokens and wallets you use through the Service belong to third parties and are governed by their own terms. We do not control them and are not responsible for them.

You may use the Service only if all of the following are true:

• You are at least 18 years old and able to enter a binding contract.
• You are not located in, organized in or a resident of a country or territory subject to comprehensive U.S. sanctions, and you are not on any U.S. or other applicable sanctions or restricted-party list.
• Your use of the Service, and of each market you access, is lawful where you are.
• You are using the Service for yourself, not on behalf of someone else, unless you are legally authorized to.

Some markets, in particular tokenized stock markets on Robinhood Chain, involve tokens issued by third parties who restrict who may hold them. Those issuers, not we, decide eligibility, and their restrictions may exclude persons in some jurisdictions, including the United States. It is your responsibility to confirm that you are permitted to hold any token you acquire through the Service. We may restrict or block access to any market, feature or region at any time, with or without notice.

Your vaults.cash wallet is an embedded wallet provided by Privy, Inc. and a smart account deployed on chain under your control. Its key is split between your device and Privy's infrastructure; we never have it. You can export the private key at any time from the Account page and use it in any other wallet.

You are responsible for your wallet. If you lose access to the login you used (email, phone, Google or Apple account, passkey), we cannot recover your wallet or your funds. Keep your login secure and keep an exported backup if you hold meaningful value.

We charge the fees described on the Disclosures page: today a flat conversion fee of 0.6% of the amount converted on the way into and out of a position, and, for Targets only, a performance fee of 8% of the trading fees a ladder earns for you. Fees are collected on chain in the same transaction they relate to. Network (gas) costs are separate and go to the network, not to us. We may change fees prospectively by updating the Disclosures page; changes never apply to transactions you already signed.

When you invite someone, half of our fee on their transactions is paid to your wallet on chain. We may change or end the referral program at any time for future transactions, and may withhold referral payments we reasonably believe result from abuse, such as referring yourself.

Using the Service means accepting risks that can cost you some or all of what you put in, including:

• Market and impermanent-loss risk. A liquidity position changes composition as prices move and can be worth less than simply holding the assets.
• Smart-contract risk. Uniswap, the wallet contracts, our LadderCloser contract and the blockchains themselves can contain bugs or be exploited. Our contracts are reviewed, not guaranteed.
• Token and stablecoin risk. USDC, USDG and every other token can lose value, be frozen by their issuer, or fail. Tokenized stocks are not shares and confer no shareholder rights.
• Network risk. Chains can halt, reorganize, congest, or change their rules.
• No insurance. Nothing here is FDIC-, SIPC- or otherwise insured.

Do not use money you cannot afford to lose.

Targets. A target is a ladder of positions you mint from your own wallet. If you leave auto-close on, the ladder is registered with our published LadderCloser smart contract, which anyone may call but which can only close the ladder once every rung has been crossed, and can only pay the proceeds to your wallet, less the disclosed fees. We run a service that calls it when a target prints, on a best-efforts basis. We do not guarantee that a close happens at any particular time or price. You can cancel a ladder, or close it yourself, at any time.

Agent access. If you turn on agent access, you authorize a signer operated by us to submit transactions from your wallet, limited to the actions offered through the Service, on your instruction or on the instruction of an AI agent to which you have given an account key. You may turn it off at any time. An account key is like a password: anyone who holds it can act as you within those limits. You are responsible for keys you create and for any third-party agent or platform you connect them to.

• Break the law, evade sanctions, launder money, or help anyone else do so.
• Manipulate markets, including wash trading or trading against your own ladder to farm fees or referrals.
• Attack, probe, overload or reverse-engineer the Service beyond what the open-source license allows.
• Use the Service to infringe anyone's rights or to harass anyone.
• Misrepresent who you are or where you are, including with tools designed to defeat regional restrictions.

The vaults.cash name, logo and design belong to us. Where we publish source code, it is licensed under the license in that repository. You may not use our name or marks to suggest we endorse you without our written permission. If you send us ideas or feedback, we may use them without obligation to you.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT ANY TRANSACTION WILL BE INCLUDED IN A BLOCKCHAIN, OR THAT ANY ESTIMATE WILL PROVE ACCURATE.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR MEMBERS, OFFICERS, CONTRACTORS AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, TOKENS OR VALUE, ARISING FROM OR RELATED TO THE SERVICE, HOWEVER CAUSED. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF THE FEES YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE OR ONE HUNDRED U.S. DOLLARS. SOME JURISDICTIONS DO NOT ALLOW SOME OF THESE LIMITS, SO SOME MAY NOT APPLY TO YOU.

You will defend and indemnify us against claims, losses and expenses (including reasonable legal fees) arising from your use of the Service, your breach of these Terms, your violation of any law or third-party right, or any transaction you sign.

These Terms are governed by the laws of the State of Oklahoma, without regard to its conflict-of-laws rules.

Please read this carefully. Any dispute between you and us arising from these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small-claims court, and either party may seek an injunction to protect intellectual property. The arbitration will be conducted in Tulsa County, Oklahoma, or by video, and the arbitrator's decision may be entered in any court. You and we each waive the right to a jury trial and to participate in a class action or class-wide arbitration.

You may opt out of this arbitration agreement by emailing support at prosperitylabs dot co within 30 days of first accepting these Terms, with your wallet address and a statement that you opt out. If you do, disputes will be heard in the state or federal courts located in Tulsa County, Oklahoma, and you consent to their jurisdiction.

We may update these Terms. The date at the top tells you when. Material changes will be announced on the Service before they take effect; continuing to use the Service after that means you accept them. We may suspend or end your access to the Service at any time; because your wallet and positions are yours, ending access to the Service never takes them away from you, and you can always manage them directly on chain.

You are responsible for any taxes arising from your activity. You agree to receive notices from us electronically. If any part of these Terms is unenforceable, the rest still applies. These Terms, with the Privacy Policy and Disclosures, are the whole agreement between you and us about the Service. You may not transfer your rights under these Terms; we may transfer ours to a successor of the business.

Prosperity Labs, LLC · support at prosperitylabs dot co