LEGAL & PRIVACY

Terms of Use

1.1 Acceptance of Terms

By accessing or using the NablaZ protocol, smart contracts, APIs, or any associated services (collectively, the "Services"), you agree to be bound by these Terms of Use. If you do not agree, do not use the Services. NablaZ reserves the right to modify these terms at any time with notice provided through the interface. NablaZ provides programmable financial infrastructure accessible to users in supported jurisdictions, subject to applicable regulatory requirements.

1.2 Smart Contract Risks

The Services rely on smart contracts deployed on the Arbitrum One blockchain. Smart contracts are experimental technology. Despite security audits and testing, smart contracts may contain bugs, vulnerabilities, or unexpected behaviors that could result in loss of funds. You acknowledge that interacting with smart contracts carries inherent risks, including but not limited to: contract vulnerabilities, consensus mechanism failures, network congestion, gas cost fluctuations, and protocol-level changes to the underlying blockchain.

1.3 Early-Stage Software

The Services are provided as early-stage software. Features may change, be discontinued, or operate in unexpected ways. You accept that the protocol is under active development and that you use it at your own risk. NablaZ makes no representations regarding the completeness, reliability, or suitability of the Services for any particular purpose.

1.4 Risk of Loss

You may lose some or all of the digital assets you interact with through the Services. Past performance of any yield, lending, or investment strategy is not indicative of future results. You should not use the Services with funds you cannot afford to lose.

1.5 Data Privacy

Your use of the Services is also governed by our Privacy Policy. For privacy-related inquiries, contact hello@nablaz.io.

1.6 Restricted Jurisdictions

NablaZ restricts access from jurisdictions subject to comprehensive OFAC sanctions, currently including: Cuba, Iran, North Korea, Russia, and Syria. Users in these jurisdictions are strictly prohibited from accessing the Services. NablaZ implements technical measures including wallet screening and zero-knowledge jurisdiction verification to enforce these restrictions. Users in other jurisdictions may access the protocol subject to applicable local laws and any jurisdiction-specific requirements that may apply. NablaZ reserves the right to expand this list as required by applicable law. Enhanced verification requirements may apply to users in certain jurisdictions as determined by applicable regulatory requirements and fiat rail provider policies.

1.7 Anti-Money Laundering

You represent and warrant that your use of the Services complies with all applicable anti-money laundering (AML) and counter-terrorism financing (CTF) laws and regulations. You are solely responsible for ensuring that the source of funds used with the Services is lawful. NablaZ is not responsible for determining the legality of your transactions.

1.8 Private Key Responsibility

You are solely responsible for maintaining the security of your private keys and wallet credentials. NablaZ does not have access to your private keys and cannot recover lost keys or reverse transactions. Loss of your private keys will result in permanent loss of access to your digital assets.

1.9 Non-Custodial Architecture

Your assets are held in a NablaZAccount smart contract deployed on Arbitrum One and controlled exclusively by your connected wallet address. NablaZ does not custody, control, or have access to your assets at any time. All transactions require your explicit wallet signature. NablaZ cannot move, freeze, transfer, or recover assets from your NablaZAccount. Loss of access to your wallet means permanent loss of access to your funds — NablaZ cannot assist in recovery. For Economic Exposure Token (EET) transfers governed by NablaZ tokenization infrastructure, issuers may freeze specific addresses through a timelocked governance process consistent with applicable regulatory requirements.

1.10 AI Coordination System

NablaZ incorporates an AI coordination system that provides advisory suggestions based on your portfolio state and market conditions. The AI system does not execute transactions autonomously. All proposed actions require your explicit confirmation and wallet signature before execution. AI suggestions constitute informational guidance only and do not constitute financial, investment, tax, or legal advice. You are solely responsible for all transaction decisions. AI behavior is bounded by onchain mandate parameters (Consumer AI Mandate) that you may configure.

1.11 Yield and Rate Variability

Yield rates and borrowing rates displayed by the interface are sourced from third-party decentralized protocols that NablaZ does not control. All rates are variable and may change without notice. Past rates are not indicative of future performance. Yield may decrease to zero. Borrow positions are subject to liquidation if collateral value falls below protocol-defined thresholds. NablaZ makes no guarantee of any specific rate of return.

1.12 Nature of Economic Exposure Tokens

Economic Exposure Tokens (EETs) issued through NablaZ tokenization infrastructure represent economic exposure only. EETs do not represent equity, voting rights, ownership, or inclusion in an issuer's master securityholder register. EET holders have no rights against the issuing entity beyond those explicitly defined in the relevant offering documentation.

1.13 Zero-Knowledge Proofs

NablaZ uses zero-knowledge cryptographic proofs to verify user eligibility criteria (including jurisdictional compliance and accreditation status) without collecting or storing the underlying personal information. ZK proofs are generated locally in your browser. NablaZ stores only proof validity status and expiry — not the credentials used to generate proofs.

1.14 Eligibility

The Services are available only to entities and individuals who meet applicable regulatory requirements in their jurisdiction. By using the Services, you represent that you have the legal capacity and authority to enter into these terms and that your use complies with all applicable laws.

1.15 Protocol Use

NablaZ provides tokenization infrastructure, yield, lending, payment, and orchestration tools on an "as is" basis. You are responsible for your own regulatory compliance. NablaZ does not provide legal, financial, or investment advice.

1.16 Intellectual Property

All intellectual property in the Services — including software, smart contracts, APIs, documentation, trademarks, and design — remains the exclusive property of NablaZ Labs. You are granted a limited, non-exclusive, revocable license to use the Services in accordance with these terms.

1.17 Limitation of Liability

To the maximum extent permitted by law, NablaZ shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Services, including but not limited to loss of profits, data, digital assets, or business opportunities. In no event shall NablaZ's total liability exceed the amounts paid by you, if any, for use of the Services during the twelve months preceding the claim.

1.18 Indemnification

You agree to indemnify and hold harmless NablaZ Labs, its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Services, your violation of these terms, or your violation of any applicable law.

Privacy Policy

Information We Collect

We collect information you provide directly (wallet address, contact information via forms) and information generated through your use of the interface (transaction data, API usage, device metadata, browser information). We do not sell personal information to third parties.

Blockchain Data

Your wallet address, transaction history, and smart contract interactions on Arbitrum One are publicly visible on the blockchain. NablaZ reads this data to provide portfolio views and AI coordination but does not control or own blockchain data.

Zero-Knowledge Proof Data

We collect and store proof validity status and expiry timestamps associated with your wallet address. We do NOT collect, store, or process the underlying personal credentials used to generate zero-knowledge proofs. Proof generation occurs entirely in your browser.

AI Interaction Data

If you use the AI coordination features, your queries and the system's responses may be logged for service improvement and security purposes. These logs are associated with your wallet address. Logs do not contain private key material, seed phrases, or credential data.

How We Use Your Data

Your data is used to provide and improve the Services, enforce compliance requirements, prevent fraud, communicate about your account, and meet legal and regulatory obligations. Processing is limited to what is necessary for these purposes.

Screening

We may screen wallet addresses against sanctions lists (including OFAC SDN list, UN Sanctions List, and other applicable sanctions programs) to comply with applicable law. Screening may be performed using third-party compliance providers.

Data Sharing

We may share data with compliance screening providers, regulatory authorities when required by law, smart contract infrastructure providers, and service providers who assist in operating the protocol — all under strict data processing agreements. NablaZ does not share data with custodial partners as NablaZ operates a non-custodial architecture.

Security & Retention

We implement industry-standard security measures including encryption at rest and in transit, access controls, and regular audits. Data is retained for as long as necessary to provide the Services and meet regulatory retention requirements.

Your Rights

Depending on your jurisdiction, you may have rights to access, correct, delete, or port your personal data. Contact hello@nablaz.io to exercise these rights.

Cookie Policy

What We Use

We use strictly necessary cookies for authentication and session management, and analytics cookies to understand interface usage. We do not use advertising or tracking cookies.

Managing Cookies

You can manage cookie preferences through your browser settings. Disabling strictly necessary cookies may affect functionality. Analytics cookies can be opted out of without impact to the core Services.

Risk & Regulatory Disclaimers

No Investment Advice

Nothing on this website or within the NablaZ interface constitutes investment, financial, legal, or tax advice. Tokenized securities and digital assets carry significant risk, including potential loss of principal. AI coordination features provide informational suggestions only — not investment recommendations.

Smart Contract Risk

NablaZ smart contracts have been submitted for independent security audits. However, no audit can guarantee the absence of vulnerabilities. Users interact with smart contracts at their own risk. NablaZ is not liable for losses arising from smart contract bugs, exploits, or unexpected behaviors.

Regulatory Status

NablaZ provides technology infrastructure. The regulatory status of tokenized assets varies by jurisdiction. Issuers and investors are responsible for ensuring compliance with applicable securities laws and AML regulations.

No Guarantees

The Services are provided "as is" and "as available" without warranties of any kind, express or implied. NablaZ does not guarantee availability, accuracy, or completeness of the interface, nor the liquidity, value, or performance of any tokenized assets, yield strategies, or lending markets.