Welcome to Loopscale, a decentralized lending protocol developed and maintained by Standard Labs, Inc. (“Standard Labs,” “we,” “us,” or “our”). These Terms of Use (“Terms”) constitute a legally binding agreement between you (“you” or “User”) and Standard Labs. By accessing or using any part of the Loopscale website, application, smart contracts, or related services (collectively, the “Services”), you agree to be bound by these Terms.

If you do not agree to these Terms, you must not access or use the Services.

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1. Eligibility

To use the Services, you must be at least 18 years old and possess the legal capacity to enter into a binding agreement. By using the Services, you represent and warrant that you meet these eligibility requirements.

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2. Description of Services

Loopscale is a non-custodial lending protocol built on Solana that facilitates fixed-rate, overcollateralized loans through a decentralized order book system. Interactions occur via smart contracts and are executed through user-controlled, self-custodial wallets.

Standard Labs does not control user funds, cannot reverse or alter transactions, and does not provide custodial services. You are solely responsible for safeguarding your private keys and wallet credentials.

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3. No Financial Advice

All content provided through the Services is for general informational purposes only and does not constitute legal, financial, investment, or tax advice. You are solely responsible for your decisions and should consult qualified professionals before engaging in any transaction.

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4. Risk Disclosure

Your use of Loopscale involves numerous risks, including:

• Vulnerabilities in smart contracts
• Liquidation of overcollateralized loans
• Market volatility and slippage
• Oracle manipulation or latency
• Failures of the Solana network or integrated protocols
• Adverse legal or regulatory developments

By using the Services, you acknowledge and accept these risks. For more details, refer to our Risk Disclosures.

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5. Prohibited Conduct

By using the Services, you agree that you will not:

• Violate any applicable laws or regulations
• Use the Services for unlawful, fraudulent, or malicious purposes
• Attempt to access or alter smart contracts beyond intended use
• Introduce viruses or other malicious code
• Misrepresent your identity or the origin of any transaction

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6. Third-Party Integrations

Loopscale integrates with third-party protocols including, but not limited to, Orca, Meteora, and marginfi. These integrations are provided for user convenience. We do not control or endorse third-party services and disclaim all liability arising from their use.

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7. Intellectual Property

All content, branding, trademarks, and documentation provided by Standard Labs are the intellectual property of Standard Labs or its licensors. Use of these materials is prohibited without prior written consent. The Loopscale smart contracts are open-source and subject to their respective licenses.

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8. Modifications

We reserve the right to modify these Terms and the Services at any time. Updates will be posted on our website. Continued use of the Services constitutes acceptance of any modifications.

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9. Indemnification

You agree to defend, indemnify, and hold harmless Standard Labs, its affiliates, officers, employees, contractors, and agents from any claims or liabilities arising from:

• Your use or misuse of the Services
• Your violation of these Terms or any applicable law
• Any third-party content or assets you access through the Services

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10. Limitation of Liability

To the fullest extent permitted by law, Standard Labs and its affiliates disclaim all liability for indirect, incidental, special, or consequential damages, including loss of profits, digital assets, or data, arising out of or related to your use of the Services.

The Services are provided “as is” and “as available,” with no warranties of any kind.

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11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law principles. Any dispute arising out of these Terms shall be resolved in the state or federal courts located in Delaware, unless otherwise agreed to by the parties.

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12. Class Action and Jury Trial Waiver

To the maximum extent permitted by applicable law, you agree to waive any right to participate in class actions, class arbitrations, or representative actions. You also waive the right to a trial by jury.

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13. Severability and Waiver

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The failure of Standard Labs to enforce any provision shall not constitute a waiver of that provision or any other provision.

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14. Entire Agreement

These Terms represent the entire agreement between you and Standard Labs regarding the use of the Services and supersede all prior or contemporaneous understandings or agreements.

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15. Contact Us

For legal questions or to report a violation of these Terms, contact us at: [email protected].