Terms of Service

These Terms of Service (the "Agreement") govern your access to and use of products and services provided by Torque ("Torque", "we", "our", or "us").

The "Products" include, without limitation:

• (a) user interfaces and applications;
• (b) programmatic wallet infrastructure and account systems;
• (c) aggregation, routing, and transaction facilitation tools;
• (d) payment and invoicing tools; and
• (e) subscription services, including Torque Pro; and
• (f) any related services.

By using the Products, you agree to this Agreement in full.

1. Eligibility

You must be legally able to enter this Agreement. You represent that:

• you are of legal age
• you are not sanctioned or restricted
• your use complies with applicable law

1.2 Regional Availability and Certain Products

Not all Products or features are available in every jurisdiction. Torque may restrict, suspend, or block access to specific Products or features based on your location, residency, or other eligibility criteria, including through technical controls and in-product notices (for example, messaging that a feature is unavailable in your region). Such notices are for convenience and do not change your obligations under this Agreement.

Without limiting the foregoing, perpetual futures and related leveraged or derivative trading interfaces offered through the Products are not made available to persons located in, ordinarily resident in, or subject to the laws of the United States (including its states, territories, and possessions), as determined by Torque in its sole discretion. You must not access or attempt to use those features if you are in a restricted category or region, including by using VPNs or other means to circumvent restrictions.

Torque may change regional or product-level restrictions at any time. You remain responsible for confirming that your use of each Product is lawful in your jurisdiction.

2. Account and Wallet Model

2.1 Torque Accounts

Torque provides users with access to blockchain-compatible accounts ("Torque Accounts").

These accounts may be:

• programmatically generated
• deterministically derived
• managed through backend infrastructure

You understand and agree that:

• Torque may generate or derive cryptographic keys or account structures on your behalf
• access to your account is controlled through authentication credentials (e.g., login, JWT, or similar mechanisms)
• you do not directly manage private keys in a traditional self-custody format

2.2 User Authorization and Control

All actions taken through the Products require user authorization.

You acknowledge that:

• transactions are only initiated following your authenticated request
• Torque acts solely as a technical intermediary to facilitate user-authorized actions
• you are solely responsible for all activity conducted through your account

2.3 Transaction Execution

Torque provides tools to construct and submit blockchain transactions.

• Transactions are initiated based on your explicit inputs or interactions
• Torque does not recommend, solicit, or advise any transaction
• Torque does not determine suitability or intent

Transactions may be:

• submitted directly to blockchain networks
• routed through account abstraction systems
• processed via third-party infrastructure providers

Torque does not act as a broker, counterparty, or agent in any transaction.

2.4 Gas Fees and Sponsorship

Blockchain transactions require network fees ("gas").

• In some cases, Torque may facilitate sponsored transactions through third-party infrastructure
• Gas sponsorship is not guaranteed and may be unavailable at any time
• When sponsorship is unavailable, you are responsible for applicable fees

Torque does not guarantee transaction inclusion, speed, or cost.

2.5 Third-Party Infrastructure

The Products rely on third-party systems, including:

• blockchain networks
• transaction bundlers
• account abstraction providers
• cross-chain bridges
• wallet infrastructure providers

Torque does not control these systems and is not responsible for their performance, availability, or security.

2.6 User-Directed Transactions

All transactions are user-directed.

You are solely responsible for:

• deciding whether to transact
• defining transaction parameters
• approving all actions

Any interface elements, summaries, or flows are provided for convenience only and do not constitute recommendations or instructions.

3. Payments and Transfers

Torque provides tools to initiate transfers and payment requests.

Torque:

• does not hold deposits
• does not guarantee settlement
• does not operate as a bank

All transfers occur on blockchain networks and are subject to their risks.

4. Lending, Borrowing, and Staking

Torque may provide access to third-party protocols.

• all terms are defined externally
• risks include liquidation, loss, and smart contract failure

Torque does not control or guarantee these services.

5. Your Responsibilities

You agree not to:

• violate laws or regulations
• engage in fraud or manipulation
• misuse the Products

You are responsible for:

• maintaining account security
• all activity under your credentials
• tax and legal compliance

6. Disclaimers

6.1 Risk

Blockchain systems are volatile and experimental.

You assume all risks, including:

• loss of funds
• smart contract failures
• network issues

6.2 No Warranties

Products are provided "as is" without warranties.

6.3 No Investment Advice

Torque does not provide investment advice or recommendations.

6.4 Interface and Generated Content

The Products may display automated or generated content.

Such content:

• is general and not personalized
• does not constitute advice or recommendations
• may be incomplete or inaccurate

You are solely responsible for decisions made based on such content.

7. Limitation of Liability

Torque is not liable for indirect or consequential damages.

Maximum liability: $100 USD.

8. Dispute Resolution

• governed by Delaware law
• resolved via binding arbitration
• no class actions

9. Regulatory Status

Torque:

• is not a bank
• is not FDIC insured
• is not registered with the SEC or CFTC

Transactions are self-directed and occur on blockchain systems.

10. Torque Pro Subscription Terms

Torque Pro is a paid digital subscription that may include enhanced product features such as Torque Assistant, Voice Mode, Smart Alerts, Watchlist, Your Feed, Economic Calendar functionality, and VIP fee rebate benefits. Available features may change over time.

10.1 Billing and Renewal

By purchasing Torque Pro, you authorize recurring charges for the selected subscription term until you cancel. Subscription fees are billed in advance, and renewal timing and pricing are shown at checkout or in your account settings.

10.2 Cancellation

You may cancel at any time through your account settings. Unless otherwise stated at checkout, your cancellation takes effect at the end of the current billing period, and access continues until that period ends.

10.3 Refund Policy for Digital Products

Torque Pro is a digital product. Except where required by applicable law, subscription fees are non-refundable after purchase, including for partial billing periods, unused time, or limited feature usage.

In limited cases, Torque may issue a full or partial refund, credit, or billing adjustment in its sole discretion, including for duplicate charges, verified technical billing errors, or other circumstances that Torque determines warrant an exception. Any such exception does not create an ongoing entitlement to refunds.

10.4 Fees, Rebates, and Changes

VIP fee rebate eligibility, rates, and calculation methods are determined by Torque and may depend on your activity level, account status, and market conditions. We may modify subscription pricing, features, rebate terms, or eligibility criteria at any time. Changes apply prospectively unless otherwise required by law.

10.5 Payment Failures and Chargebacks

If a payment method fails, we may suspend or terminate Torque Pro access. If you initiate an improper chargeback or payment dispute, Torque may suspend or terminate your subscription and recover amounts owed to the extent permitted by law.

11. Modifications

We may update these terms at any time. Continued use = acceptance.

12. Entire Agreement

This Agreement represents the full agreement between you and Torque.