Terms & Conditions

Last Updated: September 2025

1. Agreement to Terms

These Terms & Conditions ("Terms") constitute a legally binding agreement between you and Ojo Network Inc., a Delaware corporation ("Company", "we", "us", or "our"), concerning your access to and use of Foresight Finance ("Platform"). By accessing or using our Platform, you agree to be bound by these Terms.

IMPORTANT: This Platform is available only to United States citizens and residents who are at least 18 years of age. By using this Platform, you represent and warrant that you meet these requirements.

2. Non-Custodial Wallet & Private Key Responsibility

YOU ARE SOLELY RESPONSIBLE FOR YOUR PRIVATE KEYS AND SEED PHRASES. Foresight Finance is a non-custodial platform powered by Privy. This means:

  • You maintain complete control and ownership of your cryptocurrency assets
  • We never have access to your private keys or seed phrases
  • If you lose your private keys or seed phrase, YOUR FUNDS ARE PERMANENTLY LOST
  • If your private keys are compromised through hacking, phishing, or any other means, you bear full responsibility
  • We cannot recover lost or stolen funds under any circumstances
  • You must secure your device and never share your credentials with anyone

3. Investment Risks & Disclaimers

WARNING: CRYPTOCURRENCY INVESTMENTS ARE EXTREMELY HIGH RISK

  • Bitcoin and other cryptocurrencies are highly volatile and speculative
  • You may lose 100% of your investment
  • Past performance is NOT indicative of future results
  • Cryptocurrency is NOT protected by FDIC, SIPC, or any government insurance
  • We do NOT provide investment, financial, tax, or legal advice
  • All investment decisions are your sole responsibility
  • Never invest more than you can afford to lose completely

4. Platform Operations & Fees

4.1 Spare Change Estimation Tool

Our "spare change round-up" feature is an ESTIMATION TOOL ONLY. It does not connect directly to your bank account. The tool provides approximate calculations to help you decide when to invest. The actual amounts may vary, and you are responsible for tracking your own finances.

4.2 Third-Party Services & Fees

The Platform integrates with multiple third-party services that may charge fees:

  • MoonPay: Handles fiat-to-crypto conversion, KYC verification, and may charge transaction fees
  • Stripe: Processes subscription payments and stores payment information
  • Aerodrome DEX: Executes token swaps with potential slippage and trading fees
  • Base Network: Blockchain network fees (gas) apply to all transactions

4.3 Transaction Process

When you purchase Bitcoin through our Platform: (1) MoonPay converts your USD to USDC, (2) the Platform swaps USDC for cbBTC (Coinbase Wrapped Bitcoin) on Aerodrome DEX, (3) cbBTC is sent to your wallet. Each step may involve fees, slippage, and price variations.

4.4 Gas Sponsorship

We may sponsor blockchain gas fees for certain transactions. This sponsorship does not give us control over your wallet or transactions. You remain in full control of initiating and approving all transactions.

5. KYC/AML Compliance

To use certain features, you must pass Know Your Customer (KYC) verification through MoonPay. If you fail KYC verification, you may be unable to purchase cryptocurrency. We must comply with anti-money laundering (AML) laws and may freeze or terminate accounts involved in suspicious activity without notice.

6. Tax Responsibilities

YOU ARE SOLELY RESPONSIBLE FOR ALL TAX OBLIGATIONS

Cryptocurrency transactions may be taxable events. You must track, calculate, report, and pay all applicable taxes. We do not provide tax advice. If required by law, we may report your transaction information to tax authorities. Consult a tax professional for guidance.

7. Prohibited Uses

You may not use the Platform to:

  • Violate any laws or regulations
  • Engage in money laundering, terrorist financing, or other illicit activities
  • Circumvent sanctions or embargoes
  • Manipulate or disrupt the Platform
  • Impersonate others or provide false information
  • Use automated scripts or bots without permission

8. Smart Contract & Technical Risks

The Platform interacts with smart contracts and blockchain protocols that carry inherent risks:

  • Smart contract bugs or vulnerabilities may result in loss of funds
  • Blockchain congestion may result in high fees or failed transactions
  • cbBTC may depeg from Bitcoin's value
  • DEX liquidity issues may cause high slippage
  • Bridge failures or hacks may affect wrapped assets
  • Network upgrades or forks may impact functionality

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY SHALL NOT EXCEED THE FEES YOU PAID US IN THE PAST 12 MONTHS. WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR LOST FUNDS.

10. Indemnification

You agree to indemnify, defend, and hold harmless Ojo Network Inc., its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses arising from your use of the Platform or violation of these Terms.

11. Dispute Resolution

11.1 Binding Arbitration

Any dispute shall be resolved through binding arbitration under JAMS rules, not in court. The arbitration shall be conducted in Delaware.

11.2 Class Action Waiver

YOU WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

12. Service Modifications & Termination

We reserve the right to modify, suspend, or terminate the Platform at any time without notice. We may also suspend or terminate your account for any reason, including suspected violation of these Terms.

13. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemic, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

14. Regulatory Compliance

The regulatory environment for cryptocurrency is evolving. Changes in laws or regulations may affect the availability or functionality of our services. We may need to restrict access from certain jurisdictions without notice.

15. No Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

16. Intellectual Property

All Platform content, features, and functionality are owned by Ojo Network Inc. and are protected by intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our Platform without written permission.

17. Changes to Terms

We may update these Terms at any time. Continued use of the Platform after changes constitutes acceptance of the new Terms. Check this page periodically for updates.

18. Governing Law

These Terms are governed by Delaware law without regard to conflict of law provisions. Any legal action must be brought in Delaware courts, subject to the arbitration provisions above.

19. Contact Information

For support or questions about these Terms, contact us at:

Email: help@myforesight.xyz
Company: Ojo Network Inc.
Jurisdiction: Delaware, United States

20. Entire Agreement

These Terms constitute the entire agreement between you and Ojo Network Inc. regarding the Platform and supersede all prior agreements and understandings.