Terms of Service

Last Updated: January 2025

1. Non-Custodial Nature

Protocol Banks is a software interface. We do not provide custodial services, and we never have access to your private keys or funds. All transactions are executed on-chain via user-authorized smart contracts.

You are solely responsible for maintaining the security of your wallet and private keys. Protocol Banks cannot recover lost funds or reverse transactions.

2. Third-Party Services

Fiat-to-crypto services are provided exclusively by Transak. Protocol Banks is not responsible for any issues arising from Transak's KYC process, fund settlement, or compliance procedures.

When using third-party services through our platform, you are subject to their respective terms and conditions. Protocol Banks acts solely as an interface provider.

3. Geographic Restrictions

Our services are not available to residents of the United Kingdom, certain US states, and other sanctioned jurisdictions. Users are responsible for complying with their local laws.

By using Protocol Banks, you represent and warrant that you are not located in, under the control of, or a national or resident of any restricted territory.

4. Risk Warning

Cryptocurrency investments are highly volatile and carry significant risk. Protocol Banks is not a financial advisor. You should conduct your own research and consult with qualified professionals before making any financial decisions.

Past performance is not indicative of future results. You may lose some or all of your investment. Never invest more than you can afford to lose.

5. Service Availability

Protocol Banks makes no guarantees regarding service uptime or availability. We reserve the right to modify, suspend, or discontinue any part of our services at any time without prior notice.

6. Limitation of Liability

To the maximum extent permitted by law, Protocol Banks shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.

7. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of Protocol Banks after any such changes constitutes your acceptance of the new terms.