Last updated: 9/1/2025

1. Agreement to Terms

By using the KIN Protocol ("Protocol"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Protocol.

2. The Protocol

The Protocol is a decentralized, undercollateralized lending platform. We are not a bank or financial institution and do not provide lending services ourselves. The Protocol facilitates peer-to-peer lending among its users.

3. Assumption of Risk

You acknowledge that using the Protocol involves significant risks, including but not limited to the risk of losing your digital assets. You are solely responsible for your own investment decisions and for conducting your own due diligence.

4. Prohibited Activities

You agree not to engage in any of the following prohibited activities: (a) any activity that is illegal under applicable law; (b) any fraudulent activity; or (c) any activity that interferes with or disrupts the Protocol.

5. Disclaimers

The Protocol is provided "as is" and "as available" without any warranties of any kind. We do not warrant that the Protocol will be uninterrupted, secure, or error-free.

6. Limitation of Liability

In no event shall we be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Protocol.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the project is based, without regard to its conflict of law principles.