Terms of Service

These Terms of Service ("Terms") constitute a binding legal agreement between you and Thrive DeFi, LLC ("Company," "we," "us," or "our") governing access to and use of the Yield.ly website, application programming interfaces, documentation, research pages, and all related products and services (collectively, the "Service") located at https://yield.ly.

By accessing or using the Service, creating an account where offered, clicking to accept these Terms, or continuing to use the Service after notice of revised Terms, you acknowledge that you have read, understood, and agree to be bound by these Terms and all policies incorporated herein by reference. If you do not agree, do not access or use the Service.

If you enter into these Terms on behalf of a corporation, partnership, fund, or other legal entity, you represent and warrant that you have full legal authority to bind that entity, in which case "you" and "your" refer to that entity.

You must be at least eighteen (18) years of age, or the age of majority in your jurisdiction of residence, whichever is greater, and possess the legal capacity to enter into a binding contract. You may not use the Service if you are prohibited from doing so under applicable law, export control regulations, sanctions programs, or if we have previously suspended or terminated your access for violation of these Terms or applicable law.

The Service is intended for research and informational use. You represent that your access and use comply with all applicable laws and regulations in every jurisdiction where you access the Service. The Service is not directed to persons in jurisdictions where access to crypto yield information, comparison tools, or related content is restricted or prohibited. You are solely responsible for determining whether your use of the Service is lawful where you are located.

Yield.ly is an informational comparison and research product. The Service displays aggregated, normalized, and timestamped market data concerning crypto yield opportunities, including without limitation annual percentage yields, base and reward yield composition, total value locked, liquidity indicators, freshness metadata, and observed risk summaries derived from available evidence.

The Service does not execute transactions, custody digital assets, connect to wallets on your behalf, provide brokerage services, or offer personalized investment, legal, tax, accounting, compliance, or other professional advice. Any outbound link to a third-party protocol, exchange, or other provider is provided for convenience only and does not constitute a recommendation, endorsement, solicitation, or offer to buy or sell any asset or financial product.

Displayed rates, rankings, risk labels, qualification outcomes, and related fields are observational readings and may change without notice. Past or current observed yields are not indicative of future results. You are solely responsible for verifying destination details, smart contract addresses, terms of use, eligibility requirements, tax treatment, and counterparty risk before acting on any information obtained through the Service.

Data displayed on the Service is sourced from third-party providers and subject to ingestion, normalization, validation, qualification, ranking, and publication processes described in our public methodology documentation. We do not warrant that any displayed value is complete, current, error-free, or suitable for any particular purpose.

Observed-risk scoring summarizes measurable factors and data coverage available at the time of observation. It is not an audit, credit rating, insurance policy, guarantee of safety, or substitute for your independent diligence. Qualification gates control default visibility and indexing; they do not eliminate protocol, smart contract, asset, liquidity, market, regulatory, or platform risk.

If a refresh fails validation or no active market data exists, the Service may display an explicit unavailable or degraded state rather than fabricated fallback values. We may modify, suspend, or discontinue any portion of the Service, any data field, or any feature at any time, with or without notice.

You are solely responsible for:

• Evaluating whether any opportunity, protocol, asset, chain, or destination is appropriate for you;
• Verifying all displayed values, timestamps, methodology notes, and destination URLs before depositing assets or entering into any transaction;
• Maintaining appropriate security practices for your wallets, accounts, devices, and credentials;
• Complying with applicable law, tax obligations, sanctions restrictions, and contractual duties;
• Determining whether republication, scraping, or commercial reuse of Service content is permitted under these Terms and applicable law.

You assume all risk arising from your use of, reliance upon, or distribution of information obtained through the Service, including any decision to deposit, stake, lend, borrow, swap, or otherwise interact with third-party protocols or exchanges.

You agree not to:

• Use the Service in violation of applicable law or third-party rights;
• Scrape, crawl, harvest, mirror, or systematically extract data from the Service except through interfaces we expressly authorize;
• Attempt to gain unauthorized access to the Service, related systems, non-public endpoints, or other users' information;
• Interfere with or disrupt the integrity, security, or performance of the Service, including by introducing malware, launching denial-of-service attacks, or sending excessive automated requests;
• Misrepresent displayed data as guaranteed, audited, personalized advice, or an offer from Company;
• Use the Service to develop a competing product through unauthorized bulk reproduction of our presentation layer, proprietary ranking outputs, or non-public data pipelines;
• Circumvent redirect protections, approved-host allowlists, rate limits, or other technical controls.

We may investigate violations, cooperate with law enforcement, and suspend or terminate access immediately for conduct we reasonably believe violates these Terms or poses risk to the Service, Company, or other users.

Company may earn compensation through affiliate links, sponsored placements, exchange partner offers, and related commercial arrangements. Commercial metadata does not enter ranking, qualification, risk scoring, APY display logic, or chart encodings. Sponsored content is labeled separately and resolved after organic results are assembled.

Additional disclosure appears in our Affiliate and Sponsorship Disclosure and Commercial Independence Policy, each incorporated into these Terms by reference.

Our Privacy Policy describes how Company collects, uses, discloses, and protects information when acting as a controller. Privacy-related inquiries may be sent to hi@yield.ly.

The Service integrates with and links to third-party websites, protocols, exchanges, analytics providers, data sources, infrastructure vendors, and other services. Company does not control and is not responsible for third-party content, availability, security practices, fees, performance, or policies. Your use of third-party services is at your sole risk and subject to their terms.

Redirect endpoints may enforce approved-host allowlists and fail closed when a destination cannot be verified. Public API endpoints, where offered, are provided subject to rate limits, attribution requirements, and acceptable use restrictions published with the endpoint. Company may modify, suspend, or revoke API access at any time.

The Service, including its software, source code, object code, user interfaces, designs, documentation, trademarks, service marks, trade names, logos, ranking methodology, qualification rules, and compilation of data presentations (excluding third-party content and marks), is owned by Company or its licensors and protected by United States and international intellectual property laws. No rights are granted except as expressly set forth in these Terms.

You may not copy, modify, distribute, sell, lease, sublicense, reverse engineer, decompile, disassemble, or create derivative works of the Service except to the extent such restrictions are prohibited by applicable law or expressly permitted in writing by Company.

If you provide suggestions, ideas, enhancement requests, recommendations, data issue reports, or other feedback regarding the Service ("Feedback"), you hereby assign to Company all right, title, and interest in and to such Feedback, and Company may use, implement, and commercialize Feedback without restriction, attribution, or compensation to you.

From time to time, Company may offer beta, preview, experimental, or early-access features ("Beta Features"). Beta Features are provided "AS IS," may be modified or discontinued at any time without notice, and are excluded from any service level or accuracy commitments. Your use of Beta Features is at your sole risk.

You represent that you are not located in, under the control of, or a national or resident of any country or entity subject to United States embargo or sanctions, and that you are not listed on any United States government list of prohibited or restricted parties. You agree to comply with all applicable export control and sanctions laws and regulations in your use of the Service.

The Service, including all market data, rankings, risk labels, research pages, beta features, and related materials, is provided "as is" and "as available." To the maximum extent permitted by applicable law, Company and its affiliates, members, managers, officers, directors, employees, agents, licensors, and suppliers (collectively, the "Company Parties") expressly disclaim all warranties, whether express, implied, statutory, or otherwise, including without limitation any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, quiet enjoyment, and accuracy.

Without limiting the foregoing, Company does not warrant that the Service will be uninterrupted, timely, secure, error-free, or free of harmful components; that defects will be corrected; or that the Service will meet your requirements or produce any particular result. No oral or written information or advice given by Company creates any warranty not expressly stated in these Terms.

To the maximum extent permitted by applicable law, in no event shall any Company Party be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, business opportunity, digital assets, anticipated savings, or other intangible losses, whether incurred directly or indirectly, arising out of or in connection with these Terms or the Service, regardless of the theory of liability (contract, tort, strict liability, or otherwise), even if Company has been advised of the possibility of such damages.

To the maximum extent permitted by applicable law, the aggregate liability of the Company Parties arising out of or relating to these Terms or the Service shall not exceed the greater of: (a) the total amounts paid by you to Company for the Service in the twelve (12) months immediately preceding the event giving rise to the claim; or (b) one hundred United States dollars (US $100).

The limitations in this section apply to the fullest extent permitted by law and form an essential basis of the bargain between the parties. Some jurisdictions do not allow certain limitations; in such cases, liability is limited to the maximum extent permitted by law.

You shall defend, indemnify, and hold harmless the Company Parties from and against any and all third-party claims, demands, actions, proceedings, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to: (a) your access to or use of the Service; (b) your reliance on displayed data, rankings, or risk labels; (c) your violation of these Terms or applicable law; (d) your violation of any third-party rights; or (e) any dispute between you and a third party relating to the Service or any protocol, exchange, or asset referenced therein.

Company shall promptly notify you of any claim subject to indemnification and shall provide reasonable cooperation at your expense. Company reserves the right to assume exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate with Company's defense. You may not settle any claim without Company's prior written consent if such settlement imposes any obligation on Company or admits liability on Company's behalf.

Company shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including without limitation acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, government actions, internet or telecommunications failures, power outages, blockchain network disruptions, or failures of third-party service providers or data sources.

You may not assign, transfer, or delegate these Terms or any rights or obligations hereunder without Company's prior written consent. Any attempted assignment in violation of this section is void. Company may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets without your consent.

Company reserves the right to modify, suspend, or discontinue the Service or any feature at any time, with or without notice. We may update methodology, qualification rules, data providers, or presentation layers as described in our public documentation.

Company may revise these Terms from time to time. The effective date at the top of this page indicates the current version. If changes are material, we will provide notice through the Service, by email where available, or by other reasonable means. Your continued access to or use of the Service after the effective date of revised Terms constitutes acceptance. If you do not agree to revised Terms, you must stop using the Service.

These Terms and any dispute arising out of or relating to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict-of-law principles.

Binding arbitration. Except for claims that qualify for small claims court or seek injunctive relief for intellectual property infringement or unauthorized access, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall be conducted in the State of Delaware, before a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction.

Class action waiver. You and Company agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.

Jury trial waiver. To the extent permitted by law, each party waives any right to a trial by jury in any action or proceeding arising out of or relating to these Terms or the Service.

Subject to the arbitration provisions above, the state and federal courts located in the State of Delaware shall have exclusive jurisdiction over any permitted court proceedings, and you consent to personal jurisdiction in such courts.

Entire agreement. These Terms, together with the Privacy Policy, Affiliate and Sponsorship Disclosure, Commercial Independence Policy, and any additional terms referenced herein, constitute the entire agreement between you and Company regarding the Service and supersede all prior or contemporaneous agreements, representations, and understandings.

Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

No waiver. Company's failure to enforce any provision shall not constitute a waiver of that provision or any other provision.

No third-party beneficiaries. These Terms do not confer any rights on any third party except as expressly stated.

Notices. Company may provide notices through the Service, by email, or by posting on our website. Legal notices to Company must be sent to hi@yield.ly with a copy to Thrive DeFi, LLC, 8 The Green Ste #11044, Dover, DE 19901, United States.

Questions regarding these Terms may be directed to hi@yield.ly. Messages sent to hi@yield.ly are routed to our operations team at hi@thrive.fi for handling.

Mailing address: Thrive DeFi, LLC, 8 The Green Ste #11044, Dover, DE 19901, United States