Terms of Service

1. Acceptance of Terms

By accessing or using the Halo Protocol platform at gethalo.fun (“the Platform”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Platform. We reserve the right to modify these Terms at any time, and your continued use constitutes acceptance of any changes.

2. Description of Service

Halo Protocol is a decentralized lending circle (ROSCA) platform built on the Stacks blockchain. The Platform allows users to create and participate in lending circles, make contributions, receive payouts, and build on-chain credit scores. The Platform interacts with smart contracts deployed on the Stacks blockchain.

3. Testnet Disclaimer

4. No Financial Advice

Nothing on the Platform constitutes financial, investment, legal, or tax advice. Halo Protocol does not recommend any specific financial actions. Credit scores generated by the protocol are on-chain metrics based on circle participation and should not be interpreted as traditional credit ratings. You are solely responsible for your financial decisions. Consult a qualified professional before making financial decisions.

5. Use at Your Own Risk

You acknowledge and agree that your use of the Platform is at your sole risk. The Platform is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.

We do not guarantee that the Platform will be uninterrupted, error-free, or free from vulnerabilities. You are responsible for maintaining the security of your wallet and private keys.

6. Smart Contract Risks

The Platform relies on smart contracts deployed on the Stacks blockchain. While our smart contracts are written in Clarity (a decidable language) and have undergone internal security review, you acknowledge the following risks:

• Smart contracts may contain bugs or vulnerabilities that could result in loss of funds
• Blockchain transactions are irreversible once confirmed
• Network congestion or issues on the Stacks blockchain may affect transaction processing
• Changes to the Stacks blockchain protocol could affect smart contract behavior
• Circle participants may default on contributions, and while this is recorded on-chain, recovery of funds is not guaranteed

7. Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements to use the Platform. By using the Platform, you represent that you meet these requirements. You are responsible for ensuring that your use of the Platform complies with all applicable laws in your jurisdiction.

8. User Conduct

You agree not to:

• Use the Platform for any unlawful purpose or in violation of any applicable laws
• Attempt to exploit, hack, or interfere with the Platform or its smart contracts
• Create multiple accounts to circumvent rate limits or abuse the faucet
• Impersonate other users or misrepresent your identity
• Use automated systems or bots to interact with the Platform without authorization
• Deliberately default on circle contributions with the intent to defraud other participants

9. Intellectual Property

Halo Protocol is open-source software released under the MIT License. You are free to use, modify, and distribute the source code in accordance with the terms of the MIT License.

The Halo Protocol name, logo, and brand assets are trademarks of the Halo Protocol project. Use of these trademarks requires prior written consent except as permitted for reasonable attribution purposes.

10. Limitation of Liability

To the maximum extent permitted by law, Halo Protocol, its contributors, and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of funds, loss of data, loss of profits, or loss of goodwill, arising out of or related to your use of or inability to use the Platform, even if we have been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify and hold harmless Halo Protocol, its contributors, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of or related to your use of the Platform, your violation of these Terms, or your violation of any rights of a third party.

12. Termination

We may suspend or terminate your access to the Platform at any time, without prior notice, for conduct that we believe violates these Terms or is harmful to the Platform or other users. Note that on-chain data and smart contract interactions are immutable and will persist on the blockchain regardless of account status.

13. Governing Law

These Terms shall be governed by and construed in accordance with applicable law. Any disputes arising from these Terms or your use of the Platform shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with applicable arbitration rules.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Platform. We will update the “Last updated” date at the top of this page. Your continued use of the Platform after changes are posted constitutes acceptance of the revised Terms.

15. Contact

If you have questions about these Terms of Service, please contact us at founder@usehalo.fun.