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Terms of Service

Last modified: August 2026

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

"Torque Entities" means Torque and its affiliates, and each of their respective officers, directors, employees, contractors, agents, and founders.

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;
  • (e) subscription services, including Torque Pro;
  • (f) Torque Intelligence, assistants, and other tools powered by artificial intelligence, machine learning, or automated systems;
  • (g) automations, alerts, and automated or semi-automated trading or execution features;
  • (h) tools to create, select, configure, publish, share, or deploy trading strategies (including any strategy marketplace or similar features, if offered); and
  • (i) any related services.

By using the Products, you agree to this Agreement in full, including our Disclosures, which are incorporated by reference. If you do not agree, you must not use the Products.

Technology platform only. Torque operates as a technology platform and does not provide financial, investment, legal, tax, or advisory services. Nothing in the Products constitutes a recommendation, solicitation, or offer to buy, sell, or hold any asset.

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

Actions taken through the Products require your authorization. Authorization may be given:

  • for a specific transaction or interaction; or
  • in advance, by enabling, configuring, or deploying an automation, alert, strategy, agent, or similar feature that you instruct to initiate transactions or other actions when stated conditions are met

You acknowledge that:

  • Torque acts solely as a technical intermediary to facilitate actions you authorize
  • once you authorize an automation or strategy, subsequent executions consistent with that authorization are treated as actions you directed
  • you are solely responsible for all activity conducted through your account, including activity initiated by automations or strategies you enable

2.3 Transaction Execution

Torque provides tools to construct and submit blockchain transactions.

  • Transactions are initiated based on your inputs, interactions, or pre-authorized automations or strategies
  • 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, discretionary portfolio manager, or investment adviser 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
  • AI model and 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, including those executed through automations or strategies you configure or deploy.

You are solely responsible for:

  • deciding whether to transact
  • defining transaction parameters, automation rules, risk limits, and strategy settings
  • approving actions, or authorizing features that may act without a separate confirmation for each execution
  • monitoring, modifying, pausing, or disabling automations and strategies you enable

Any interface elements, summaries, signals, scores, plans, 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. Torque Intelligence, AI Features, Automations, and Strategies

5.1 Torque Intelligence and AI-Powered Tools

Torque may provide Torque Intelligence and other tools powered by artificial intelligence, machine learning, or automated systems to assist with research, analysis, strategy creation, insights, planning, alerts, and related workflows.

By using these features, you acknowledge that:

  • AI-generated or automated outputs are provided for informational and convenience purposes only
  • outputs may be incomplete, inaccurate, outdated, biased, hallucinated, or otherwise unsuitable for your circumstances
  • such outputs do not constitute financial, investment, legal, or tax advice, and are not personalized recommendations
  • you are solely responsible for evaluating, verifying, and deciding whether and how to use any such outputs
  • Torque does not guarantee that any AI feature will produce profitable, optimal, or risk-appropriate results

5.2 Automations and Automated Trading

Torque may offer automations, agents, alerts, recurring actions, or other automated or semi-automated execution features (including features that can initiate trades or related on-chain actions after you enable them).

You acknowledge and agree that:

  • trading and automated execution involve significant risk and may result in partial or total loss of capital
  • you alone decide whether to enable automation, which parameters and risk controls to set, and when to pause or disable the feature
  • automated features may execute faster than you can intervene, may fail to execute, may execute at unexpected prices, or may behave differently than you expect due to market conditions, latency, bugs, or third-party systems
  • past performance, including backtests, paper trading, simulations, or historical results displayed in the Products, does not guarantee future performance
  • any guardrails, circuit breakers, limits, kill switches, or similar risk-reduction mechanisms Torque may employ are not guaranteed to prevent losses, stop all adverse activity, or operate correctly in every market condition
  • when in doubt, consult a qualified financial adviser; Torque does not replace professional advice

You remain solely responsible for:

  • all trading decisions
  • any strategies or automations you create, select, configure, or deploy
  • compliance with applicable laws and regulations in your jurisdiction

5.3 Strategy Tools and Marketplace

Torque may provide a platform or tools for users to create, publish, share, discover, select, or utilize trading strategies.

You acknowledge that:

  • Torque does not review, verify, endorse, recommend, or guarantee any strategy, creator, signal, or performance claim
  • strategy creators (including other users or third parties) are solely responsible for the strategies they publish or describe
  • strategies are not financial advice and are not recommendations by Torque or by any strategy creator to make investment decisions
  • use of any strategy is at your own risk
  • historical, live, or simulated performance does not indicate future results
  • Torque may remove, restrict, or decline to surface strategies at its discretion, without creating an obligation to monitor or police strategy content

5.4 No Discretionary Management

Enabling Torque Intelligence, automations, or strategies does not create a discretionary managed account, advisory relationship, or fiduciary duty. Torque does not exercise investment discretion on your behalf; software executes according to rules, parameters, and authorizations you supply or accept.

6. 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, including strong passwords, device security, and multi-factor authentication where available
  • verifying recipient addresses, token contracts, transaction details, and URLs before you confirm any action
  • configuring, monitoring, and controlling any automations or strategies you enable
  • all activity under your credentials, including activity you did not personally authorize if caused by compromise of your credentials or devices, and including automated activity you enabled
  • tax and legal compliance

You agree not to rely on unsolicited messages, social media accounts, or third-party sites claiming to represent Torque. Official Torque communications will not ask you to share seed phrases, private keys, or passwords.

7. Disclaimers

7.1 Risk

Blockchain systems are volatile and experimental. You assume all risks associated with using the Products, including without limitation:

  • loss of funds, crypto assets, or value
  • smart contract failures, bugs, or exploits
  • network congestion, forks, outages, or other network issues
  • unauthorized access to your account, wallet, or credentials
  • phishing, social engineering, impersonation, or other fraudulent activity
  • malicious or counterfeit tokens, contracts, sites, or applications
  • errors in transaction parameters you approve
  • losses from automations, strategies, AI outputs, or automated trading features
  • actions of third parties, including other users, protocols, validators, or infrastructure providers

7.2 No Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE PRODUCTS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR SECURITY.

Torque does not warrant that the Products will be uninterrupted, error-free, secure against all threats, or free of viruses or other harmful components.

7.3 No Investment Advice

Torque does not provide investment advice or recommendations. AI outputs, strategy content, marketplace listings, signals, alerts, and performance metrics are informational only and are not advice.

7.4 Interface and Generated Content

The Products may display automated, AI-generated, or otherwise generated content.

Such content:

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

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

7.5 Security Incidents, Hacks, and Third-Party Fraud

Torque implements reasonable security measures but cannot guarantee that the Products, Torque Accounts, or third-party systems will be free from unauthorized access, security breaches, hacks, or other attacks.

You acknowledge and agree that:

  • blockchain transactions are generally irreversible once confirmed
  • Torque does not custody your assets in the traditional sense and cannot recover lost or stolen funds
  • Torque is not responsible for losses caused by phishing, scams, impersonation, fake support, malicious smart contracts, compromised devices, stolen credentials, SIM swaps, malware, or similar events — whether or not they reference Torque or the Products
  • Torque does not verify the identity, legitimacy, or intent of counterparties, token issuers, or external sites you interact with
  • you must independently verify that you are using official Torque domains and interfaces before entering credentials or approving transactions

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

  • TORQUE ENTITIES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR CRYPTO ASSETS, ARISING OUT OF OR RELATING TO THE PRODUCTS OR THIS AGREEMENT, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF TORQUE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
  • WITHOUT LIMITING THE FOREGOING, TORQUE ENTITIES ARE NOT LIABLE FOR LOSSES ARISING FROM SECURITY INCIDENTS, UNAUTHORIZED ACCESS, HACKS, SMART CONTRACT EXPLOITS, THIRD-PARTY FRAUD, SCAMS, PHISHING, USER ERROR, MARKET MOVEMENTS, THIRD-PARTY INFRASTRUCTURE FAILURES, AI OR AUTOMATED OUTPUTS, AUTOMATIONS, STRATEGIES, OR AUTOMATED TRADING FEATURES.
  • IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF TORQUE ENTITIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE PRODUCTS OR THIS AGREEMENT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100.00 USD) OR (B) THE TOTAL FEES YOU PAID TO TORQUE FOR THE PRODUCTS IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow certain limitations of liability; in those jurisdictions, Torque Entities' liability is limited to the maximum extent permitted by law.

9. Indemnification

You agree to defend, indemnify, and hold harmless Torque Entities from and against any claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

  • your access to or use of the Products
  • your transactions, content, strategies, automations, or conduct
  • your violation of this Agreement or applicable law
  • your infringement or misappropriation of any third-party rights
  • any dispute between you and a third party (including other users, strategy creators, or protocol operators)
  • any tax, reporting, or regulatory obligation connected to your use of the Products

Torque may assume exclusive control of the defense of any matter subject to indemnification; you agree to cooperate with that defense.

10. Dispute Resolution

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

11. Regulatory Status

Torque:

  • is not a bank
  • is not FDIC insured
  • is not registered with the SEC or CFTC
  • does not provide investment advisory or discretionary portfolio management services through the Products

Transactions are self-directed and occur on blockchain systems.

12. Torque Pro Subscription Terms

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

12.1 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.

12.2 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.

12.3 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.

12.4 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.

12.5 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.

13. Modifications

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

14. Entire Agreement

This Agreement, together with the Disclosures and Privacy Policy, represents the full agreement between you and Torque regarding the Products.

Language. If this Agreement is translated into another language and there is a conflict between the translation and the English version, the English version controls.

For questions about this Agreement or our Products, contact us at hello@torque.fi.