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Disclosures

Last modified: August 2026

IMPORTANT: PLEASE READ THESE DISCLOSURES CAREFULLY. BY USING TORQUE'S PRODUCTS AND SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THESE DISCLOSURES.

1. Regulatory Status

1.1 Not a Registered Financial Institution

Torque is not a bank, credit union, money transmitter, or other regulated financial institution. Our Products are non-custodial software interfaces that enable you to interact with decentralized blockchain protocols. We do not hold, custody, or control your crypto assets at any time.

1.2 Not Registered with Securities Regulators

Torque is not registered with the U.S. Securities and Exchange Commission (SEC), the U.S. Commodity Futures Trading Commission (CFTC), or any other securities or derivatives regulator in any jurisdiction. We do not broker trades, execute trades as a principal on your behalf, operate a discretionary managed account, or act as a counterparty to your transactions.

1.3 Not FDIC Insured

Our Products are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other government insurance program. Crypto assets held in your wallet are not protected by deposit insurance, and you may lose some or all of the value of your crypto assets.

2. No Investment Advice

Torque operates as a technology platform and does not provide investment, financial, legal, or tax advice. Any information provided through our Products, including market data, token information, educational content, AI-generated outputs, strategy content, signals, alerts, or performance metrics, is for informational purposes only and should not be construed as investment advice or a recommendation to buy, sell, or hold any crypto asset.

All trading decisions are made by you at your own discretion. You are solely responsible for evaluating the merits and risks associated with any transaction you initiate through our Products, including transactions initiated by automations or strategies you enable.

Trading involves risks of substantial loss and is not suitable for all investors. Past and current performance is not indicative of future performance. When in doubt, consult a qualified financial adviser.

2.1 Torque Intelligence and AI Disclosure

Torque may provide Torque Intelligence, assistants, and other tools powered by artificial intelligence, machine learning, or automated systems (including features powered by third-party AI services such as Google's Gemini via Vertex AI or other providers) to help you research information, understand our Products, create or analyze strategies, receive insights, and interact with execution workflows.

By using these features, you acknowledge that:

  • AI-generated outputs are provided for informational and convenience purposes only
  • outputs may be incomplete, inaccurate, outdated, biased, hallucinated, or unsuitable for your situation
  • AI-generated content does not constitute financial, investment, legal, or tax advice
  • you are solely responsible for evaluating and using any such outputs
  • Torque does not guarantee profitable, optimal, or appropriate results from any AI feature

The assistant and related intelligence tools may help you research crypto assets, analyze market or portfolio data, draft plans, or prepare transactions based on your instructions, but all such actions are performed at your direction and for your account. You remain solely responsible for all decisions and transactions, regardless of whether you used an AI or intelligence feature. These tools do not replace your own judgment, research, or due diligence. Independently verify material information and consult qualified professionals before making investment decisions.

2.2 Automations and Automated Trading

Torque may offer automations, agents, alerts, recurring actions, or other automated or semi-automated trading and execution features, including features that can initiate transactions after you enable and configure them.

You acknowledge that:

  • you alone are responsible for enabling automation, setting parameters and risk controls, and monitoring, pausing, or disabling the feature
  • automated execution can result in rapid, repeated, or unexpected transactions and partial or total loss of capital
  • automated features may fail to execute, execute late, execute at unfavorable prices, or behave differently than intended due to market volatility, liquidity, latency, outages, bugs, or third-party systems
  • backtests, simulations, paper trading, and historical or live performance displays do not guarantee future results
  • any guardrails, circuit breakers, position limits, kill switches, or similar risk-reduction mechanisms Torque employs are intended to reduce certain risks but are not guaranteed to prevent losses or to function correctly in all conditions

Automated trading does not create an advisory or discretionary management relationship with Torque.

2.3 Strategy Tools and Marketplace

Torque may provide tools for users to create, publish, share, discover, select, or utilize trading strategies, including through a strategy marketplace or similar feature if offered.

Torque does not endorse, recommend, or guarantee any strategy on the marketplace or elsewhere in the Products. Strategies are not financial advice and are not recommendations by Torque or by any strategy creator to make investment decisions.

You acknowledge that:

  • Torque does not review, verify, or guarantee any strategy, creator, or performance claim
  • strategy creators are solely responsible for their strategies
  • use of any strategy is at your own risk
  • historical or simulated performance does not guarantee future results

3. Risk Disclosures

3.1 Market and Volatility Risks

Crypto asset markets are highly volatile and subject to rapid price fluctuations. The value of crypto assets can decrease significantly and may become worthless. Past performance is not indicative of future results. You may lose some or all of your investment.

3.2 Technology Risks

Blockchain technology and smart contracts are experimental and may contain bugs, vulnerabilities, or other technical issues that could result in loss of funds. Network congestion, forks, and other technical events may affect transaction processing times and costs.

3.3 Smart Contract Risks

Transactions executed through our Products interact with smart contracts deployed on public blockchains. These smart contracts may contain bugs, be subject to exploits, or fail to execute as intended. We do not control or operate these smart contracts and cannot reverse or modify transactions once executed.

3.4 Liquidity Risks

Crypto asset markets may experience periods of low liquidity, which can result in significant price slippage, difficulty executing trades, or inability to exit positions at desired prices.

3.5 Regulatory Risks

The regulatory landscape for crypto assets is evolving and varies by jurisdiction. Changes in laws, regulations, or enforcement actions may affect the availability, legality, or value of crypto assets and related services. Your use of our Products may be restricted or prohibited in certain jurisdictions.

3.6 Counterparty and Protocol Risks

When you interact with decentralized protocols through our Products, you are subject to the risks associated with those protocols, including protocol failures, governance changes, and the actions of other protocol participants. We do not control these protocols and are not responsible for their operation or failures.

3.7 Cross-Chain Bridge Risks

Cross-chain bridges and wrapped assets carry additional risks, including bridge failures, asset depegging, and loss of funds. We do not operate or control any cross-chain bridges and are not responsible for bridge-related losses.

3.8 Lending and Borrowing Risks

If you use lending or borrowing services through our Products, you are subject to additional risks, including:

  • Liquidation risk if your collateral value declines below required thresholds
  • Interest rate volatility that may affect borrowing costs or lending returns
  • Protocol-specific risks, including smart contract failures and governance changes
  • Collateral depegging or loss of value

3.9 Staking Risks

If you stake assets through our Products, you are subject to risks including:

  • Slashing penalties for validator misbehavior
  • Lock-up periods during which you cannot access staked assets
  • Network and protocol-specific risks
  • Potential loss of staked assets

3.10 Wallet and Security Risks

You are solely responsible for securing your wallet, private keys, seed phrases, login credentials, and devices. Loss of credentials or device compromise may result in permanent loss of access to your crypto assets. We do not have access to your private keys and cannot recover lost wallets or assets.

You must verify transaction details, recipient addresses, and token contracts before approving any action. Blockchain transactions are generally irreversible once confirmed.

3.11 Security Incidents, Hacks, and Scams

Digital asset products are frequent targets of fraud and cybercrime. You acknowledge the following risks:

  • Hacks and exploits — Smart contracts, bridges, wallets, and infrastructure (including third-party services integrated with our Products) may be exploited, resulting in loss of funds.
  • Phishing and impersonation — Bad actors may impersonate Torque, our team, or support channels via email, social media, messaging apps, or fake websites to steal credentials or trick you into sending assets.
  • Scams and social engineering — You may be targeted by fraudulent investment schemes, fake tokens, malicious dApps, airdrop scams, or other deceptive practices.
  • Unauthorized transactions — If your account, device, or credentials are compromised, unauthorized transactions may occur and may not be recoverable.

Torque will never ask you to share seed phrases, private keys, or passwords through unsolicited communications. Always confirm you are on an official Torque domain before signing in or approving transactions. Torque Entities are not responsible for losses caused by hacks, scams, phishing, impersonation, or unauthorized activity outside our reasonable control.

3.12 Automated Trading, AI, and Strategy Risks

If you use Torque Intelligence, automations, agents, alerts, strategy tools, or marketplace strategies, you are subject to additional risks, including:

  • Rapid or cascading losses from automated execution
  • Model or signal error, including incorrect, incomplete, or misleading AI outputs
  • Strategy design flaws, overfitting in backtests, and divergence between simulated and live results
  • Failure of guardrails, circuit breakers, or risk limits to prevent loss
  • Dependence on market data feeds, oracles, APIs, and third-party infrastructure that may be delayed, unavailable, or wrong
  • Actions taken by other users' strategies or content you choose to follow or deploy

You alone control whether to use these features and how they are configured. Use is at your own risk.

4. No Guarantees or Warranties

Our Products are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee:

  • Uninterrupted or error-free operation of our Products
  • Accuracy, completeness, or timeliness of information provided
  • Best execution or optimal pricing for transactions
  • Security against all threats or attacks
  • Compatibility with all wallets, devices, or networks
  • That any automation, strategy, AI output, or guardrail will prevent losses or achieve any particular result

5. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, TORQUE ENTITIES (DEFINED IN OUR TERMS OF SERVICE) SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR CRYPTO ASSETS, ARISING OUT OF OR RELATING TO YOUR USE OF OUR PRODUCTS, INCLUDING WITHOUT LIMITATION LOSSES FROM SECURITY INCIDENTS, HACKS, UNAUTHORIZED ACCESS, SMART CONTRACT EXPLOITS, THIRD-PARTY FRAUD, SCAMS, PHISHING, USER ERROR, THIRD-PARTY INFRASTRUCTURE FAILURES, AI OR AUTOMATED OUTPUTS, AUTOMATIONS, STRATEGIES, OR AUTOMATED TRADING FEATURES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED ONE HUNDRED U.S. DOLLARS ($100.00 USD) OR THE AMOUNT OF FEES YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.

6. Tax Obligations

You are solely responsible for determining and fulfilling your tax obligations related to transactions conducted through our Products. Crypto asset transactions may have tax consequences, including income, capital gains, or other taxes. We recommend consulting with a qualified tax professional.

7. Geographic Restrictions

Our Products may not be available or may be restricted in certain jurisdictions. It is your responsibility to ensure that your use of our Products complies with all applicable laws and regulations in your jurisdiction. We may restrict or block access to our Products from certain jurisdictions at our discretion.

8. No Fiduciary Relationship

Torque does not act as your fiduciary, financial advisor, or agent. We do not owe you any fiduciary duties. All transactions are self-directed by you (including those executed through automations or strategies you enable), and we do not provide personalized investment advice, discretionary portfolio management, or recommendations.

9. Third-Party Services and Protocols

Our Products may integrate with or provide access to third-party services, protocols, and smart contracts. We do not control, operate, or endorse these third-party services and are not responsible for their operation, security, or failures. Your use of third-party services is at your own risk and subject to their respective terms and conditions.

10. Forward-Looking Statements

Any forward-looking statements made by Torque regarding our Products, technology, or business are based on current expectations and assumptions and are subject to risks and uncertainties. Actual results may differ materially from those expressed or implied in forward-looking statements.

11. Changes to Disclosures

We may update these Disclosures from time to time to reflect changes in our Products, applicable laws, or industry practices. Material changes will be reflected by updating the "Last modified" date at the top of this page. Your continued use of our Products after such changes constitutes your acceptance of the updated Disclosures.

If you have questions about these Disclosures, please contact us at hello@torque.fi.