Terms of Service & User Agreement

1. Acceptance of Terms

These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," "your") and Vallea Insight ("we," "us," "our," "Platform") governing your access to and use of the Vallea Insight application and all related services ("Services"). By accessing, downloading, installing, or using any part of the Services, you expressly represent and warrant that: (a) you have the legal capacity to enter this binding Agreement; (b) you have read and understand these Terms; (c) you accept and agree to be legally bound by these Terms; and (d) you are not prohibited by any law or court order from using the Services. If you do not agree, you must immediately cease use.

2. Description of Services

Vallea Insight is a financial information, market data aggregation, paper trading simulation, and DEX interface platform. Services include: real-time and delayed cryptocurrency market data (BTC, SOL, HBAR, XRP, LINK, and others); traditional financial market data including S&P 500; AI-generated market insights (informational only); paper trading simulation with virtual currency; DEX swap interface via 1inch (EVM), Jupiter (Solana), SaucerSwap (Hedera); and portfolio tracking, dashboards, Fear & Greed Index, and TradingView chart embeds.

3. Eligibility Requirements

To use the Services: (a) you must be at least 18 years of age or the age of majority in your jurisdiction; (b) have full legal capacity to enter binding contracts; (c) not reside in jurisdictions where crypto/DeFi access is prohibited including OFAC-sanctioned jurisdictions; and (d) not be barred by applicable law. We reserve the right to refuse access to anyone at any time.

4. Investment & Financial Disclaimer

All market data, analytics, and information are provided strictly for informational and educational purposes only. You expressly acknowledge that:

• Cryptocurrency markets are highly speculative and volatile. Prices can decline to zero. You can lose all capital invested.
• Past performance does not guarantee future results.
• Market data may be delayed, inaccurate, or incomplete due to data provider limitations.
• All trading and investment decisions are made entirely at your sole risk and discretion.
• You are solely responsible for conducting your own independent research (DYOR) and consulting qualified licensed financial, legal, and tax professionals.
• Vallea Insight has no fiduciary duty to you whatsoever.

Regulatory Notice: We are not registered with the SEC, CFTC, FINRA, or any state securities regulator as a broker, dealer, or investment adviser.

5. AI-Generated Insights Disclaimer

AI Insights are generated by automated algorithms (including OpenAI APIs) not reviewed by any human financial professional before delivery. They may be inaccurate, incomplete, outdated, contradictory, hallucinated, or entirely wrong. They do not constitute professional financial analysis or recommendations. The AI system does not know your personal financial situation, risk tolerance, investment horizon, or tax status. You assume full responsibility for any action taken in reliance on AI Insights.

6. Paper Trading & Simulated Portfolio Features

All paper trades are simulations only. No real money is deposited, wagered, transferred, or invested. Simulated results — including profit/loss figures and portfolio values — are entirely hypothetical and do not reflect actual market execution, slippage, fees, or real-world trading conditions. Simulated results are not indicative of future real trading results. Leaderboard rankings carry no monetary value. Manipulating or exploiting the paper trading system is a violation of these Terms and grounds for immediate account termination.

7. DEX Trading & Blockchain Transaction Risks

7.1 Nature of Blockchain Transactions: Blockchain transactions are irreversible once confirmed. There is no mechanism for Vallea Insight to cancel, reverse, refund, or modify any confirmed transaction. You are solely responsible for reviewing every transaction detail before submitting.

7.2 Risks You Expressly Assume:

• Price slippage between quote and execution resulting in worse rates;
• MEV, front-running, and sandwich attacks by malicious actors;
• Smart contract bugs or exploits in DEX protocols (Jupiter, 1inch, SaucerSwap);
• Transaction failures, delays, or drops due to blockchain congestion or RPC outages;
• Non-refundable network gas fees regardless of transaction outcome;
• Token contract risks including scam tokens, honeypots, or malicious contract logic;
• Regulatory risks and changing legal status of tokens or DeFi activities in your jurisdiction.

8. Non-Custodial Wallet Policy

Vallea Insight is strictly non-custodial. We do not and cannot: access, hold, control, transmit, or store your private keys, seed phrases, or wallet credentials; sign transactions on your behalf; freeze, recover, or reverse any transaction; or restore wallet access if you lose your private keys. All transaction signing occurs locally in your wallet software. Our servers receive no private key material at any point. Wallet addresses are stored locally on your device only, never transmitted to our servers.

9. Platform Fee Disclosure

The fee is collected at the protocol level during execution — not by our servers. Routing is handled by Jupiter (Solana), 1inch (EVM), or SaucerSwap (Hedera). Platform fees are non-refundable once a transaction is submitted, regardless of outcome. The 1% fee is in addition to network gas fees and DEX liquidity provider fees. Fee structures may be modified with notice provided through the platform.

10. Third-Party Services & Protocols

The Services integrate with third-party services including:

• DEX Protocols: 1inch (EVM chains), Jupiter Aggregator (Solana), SaucerSwap (Hedera)
• Market Data: CoinGecko API, Alpha Vantage, TradingView
• AI Models: OpenAI API and related large language model providers
• Authentication & Database: Supabase (row-level security, real-time subscriptions)
• Payments: Stripe, Inc. and other third-party payment processors
• Cloud Infrastructure: Railway and associated cloud hosting providers
• Wallet Connectivity: WalletConnect, MetaMask, and compatible wallet providers
• News & Sentiment: Third-party financial news aggregators and sentiment data providers

Vallea Insight has no control over and assumes no responsibility for the content, accuracy, availability, security, or practices of any third-party service. Third-party outages, API rate limits, data inaccuracies, protocol failures, smart contract exploits, authentication failures, database outages, or payment processing errors are entirely outside our control. Vallea Insight bears no liability for any loss or disruption caused by any third-party service, regardless of whether such integration was known to you.

11. Limitation of Liability

11.1 Disclaimer of Warranties: THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VALLEA INSIGHT EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED AVAILABILITY.

11.2 Exclusion of Consequential Damages: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VALLEA INSIGHT, ITS DEVELOPERS, OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY: direct, indirect, incidental, special, consequential, punitive, or exemplary damages; loss of profits, revenue, data, or business opportunities; financial losses from any investment or trading decision; losses from DEX transactions, failed swaps, smart contract failures, slippage, or blockchain network issues; losses from reliance on AI insights or market data; losses from platform downtime, data errors, or service interruptions; or any other loss or damage of any kind whether in contract, tort, strict liability, or otherwise.

11.3 Aggregate Liability Cap: IN JURISDICTIONS REQUIRING A LIABILITY FLOOR, VALLEA INSIGHT'S TOTAL CUMULATIVE LIABILITY SHALL NOT EXCEED THE GREATER OF: (A) TOTAL FEES PAID BY YOU IN THE PRECEDING TWELVE (12) MONTHS, OR (B) ONE HUNDRED U.S. DOLLARS (USD $100.00).

11.4 California Civil Code §1542 Waiver: To the maximum extent permitted by law, you expressly waive the protections of California Civil Code §1542, which provides that a general release does not extend to claims the releasing party does not know or suspect to exist at the time of executing the release.

12. Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Vallea Insight and its developers, owners, officers, employees, contractors, agents, affiliates, licensors, and successors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: your use of or access to the Services; your violation of any provision of these Terms; your violation of any applicable law or third-party right including any securities law; any DEX transaction you conduct; any misrepresentation made by you; your negligence or willful misconduct; or your reliance on any information, AI insight, or market data obtained through the Services.

13. Privacy & Data Practices

Data We Collect: Email address and display name; platform usage and activity logs; paper trading and portfolio data stored via Supabase with row-level security; IP address, device type, and browser type for security and analytics.

Data We Do Not Collect: Wallet private keys or seed phrases (never transmitted to us); wallet addresses (stored locally on your device only, never transmitted to our servers); payment card information (handled exclusively by Stripe).

Data Use: Your data is used solely to provide, maintain, and improve the Vallea Insight service. We do not sell, rent, or share your personal data with third parties for marketing. We do not display advertising.

California Privacy Rights (CCPA/CPRA): California residents have the right to know what data we collect, delete personal information, opt-out of sale (we do not sell personal information), non-discrimination, correct inaccurate information, and limit use of sensitive personal information. Contact us through in-app support channels to exercise these rights.

14. Apple App Store & Google Play Store Terms

Apple App Store: These Terms are between you and Vallea Insight only, and not with Apple Inc. Apple is not responsible for the application or its content and has no obligation to provide maintenance or support. Apple is not responsible for addressing any claims relating to the application, including product liability claims, regulatory non-compliance claims, or third-party intellectual property claims. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance, Apple will have the right to enforce these Terms against you as a third-party beneficiary.

Google Play (Android): These Terms are between you and Vallea Insight only, and not with Google LLC. Google is not responsible for the application or its content, has no obligation to provide support, and bears no responsibility for product liability, regulatory non-compliance, or intellectual property claims arising from your use. You agree to comply with the Google Play Terms of Service and all applicable third-party terms.

Platform Independence: Vallea Insight operates independently of Apple and Google. All disputes regarding App Store or Google Play purchases must be directed to the respective platform provider.

15. Acceptable Use & User Conduct

You agree that you will not:

• Use the Services for any unlawful purpose;
• Engage in market manipulation, wash trading, spoofing, or deceptive practices;
• Manipulate or exploit leaderboard rankings or simulation scoring;
• Reverse engineer, decompile, or attempt to derive source code of the Services;
• Introduce malware, viruses, or malicious code;
• Conduct unauthorized automated scraping or data harvesting;
• Use the Services to facilitate money laundering, terrorist financing, or sanctions evasion;
• Attempt unauthorized access to any portion of the Services or other users' accounts;
• Transmit spam or engage in phishing activity;
• Impersonate any person or Vallea Insight personnel.

Vallea Insight reserves the right to suspend or permanently terminate your access without notice for any violation.

16. Intellectual Property Rights

The Services and all content, features, functionality, software, design, and underlying technology are owned by Vallea Insight and protected by U.S. and international intellectual property laws. Subject to compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial purposes only. All rights not expressly granted are reserved.

17. Regulatory Compliance & Legal Notices

Vallea Insight is not registered as a broker-dealer, investment adviser, or investment company under the Securities Act of 1933, Securities Exchange Act of 1934, or Investment Company Act of 1940. We are not registered with the SEC, CFTC, FINRA, or any state securities regulator. Our non-custodial DEX interface model does not constitute operation as a money services business (MSB) under FinCEN regulations. The regulatory classification of DeFi protocols and DEX aggregators is rapidly evolving. You are solely responsible for determining the legality of DEX features in your jurisdiction and for all applicable tax reporting obligations.

18. Dispute Resolution & Binding Arbitration

18.1 Informal Resolution: Before any formal dispute, you agree to contact Vallea Insight and attempt informal resolution within thirty (30) days.

18.2 Binding Arbitration: All disputes shall be resolved exclusively through final, binding arbitration under AAA Consumer Arbitration Rules, conducted in Los Angeles County, California, or via telephone/videoconference at your election.

18.3 Class Action Waiver: YOU AND VALLEA INSIGHT EXPRESSLY WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTION LITIGATION, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTIONS, OR ANY OTHER REPRESENTATIVE PROCEEDING OF ANY KIND.

18.4 Jury Trial Waiver: TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU IRREVOCABLY WAIVE YOUR RIGHT TO A TRIAL BY JURY.

18.5 Time Limitation: Any claim must be filed within one (1) year after it arose, or it is permanently barred.

19. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States of America, without regard to conflict of law principles. To the extent arbitration does not apply, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Los Angeles County, California.

20. Modifications to Terms & Services

Vallea Insight reserves the right to modify, update, or replace these Terms at any time in its sole discretion. When we make material changes, we will update the "Last Updated" date and provide notice where practicable. Your continued use of the Services following the posting of revised Terms constitutes your unconditional acceptance. We also reserve the right to modify, suspend, or discontinue any feature or the entire platform at any time, with or without notice, without liability to you.

21. Miscellaneous Provisions

Entire Agreement: These Terms constitute the entire and exclusive agreement between you and Vallea Insight regarding the Services and supersede all prior agreements.

Severability: If any provision is held invalid or unenforceable, remaining provisions continue in full force.

No Waiver: Our failure to enforce any right shall not constitute a waiver thereof.

Assignment: You may not assign your rights without our prior written consent. Vallea Insight may freely assign these Terms without restriction.

Force Majeure: Vallea Insight shall not be liable for any failure or delay resulting from blockchain network failures, smart contract exploits, third-party API outages, regulatory actions, acts of God, cyberattacks, government-mandated shutdowns, or internet disruptions.

Contact & Legal Notices: For questions, privacy inquiries, California data rights requests, or formal legal notices, contact Vallea Insight through the official in-app support channels. Include "Legal Notice" in the subject line of all formal legal communications.

22. Subscriptions, Billing, and Payments

Certain features of Vallea Insight may require a paid subscription. By activating a subscription, you agree to the following:

• Auto-Renewal: Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. You are responsible for canceling through the applicable platform (App Store, Google Play, or account settings) before renewal to avoid being charged.
• Authorization: You authorize recurring charges to your selected payment method in the amount applicable to your subscription plan.
• Non-Refundable Fees: All subscription fees and charges are non-refundable except where explicitly required by applicable law. No refunds or credits will be issued for partial subscription periods, unused features, or account termination.
• Price Changes: We may change subscription pricing at any time with reasonable notice provided through the platform or via email. Continued use after a price change constitutes unconditional acceptance of the new pricing.
• Your Responsibility: You are solely responsible for monitoring, managing, and canceling your subscription. Vallea Insight is not responsible for charges resulting from failure to cancel before renewal.
• Free Trials: If a free trial is offered, your subscription will automatically convert to a paid subscription at the end of the trial period unless you cancel before the trial ends.

23. Service Availability and Downtime

The platform is provided on an "as is" and "as available" basis. You acknowledge and agree that:

• Services may be interrupted, suspended, or degraded at any time due to: scheduled or emergency maintenance; server outages or infrastructure failures; third-party service failures (including Supabase, Railway, CoinGecko, OpenAI, or any other provider); blockchain network congestion, forks, or RPC node outages; regulatory actions or force majeure events; or any other cause within or outside our control.
• Vallea Insight is not liable for any losses, missed opportunities, failed transactions, data delays or inaccuracies, or any other damages arising directly or indirectly from platform downtime, unavailability, or degraded performance.
• We do not guarantee that market data, AI insights, portfolio values, or any other information displayed is accurate, current, or complete at any given time.
• We reserve the right to modify, suspend, or discontinue any part of the Services temporarily or permanently, with or without notice, without liability to you.

24. Payment Processing

Payments for any paid features or subscriptions on Vallea Insight are processed by third-party payment processors, including Stripe, Inc. You acknowledge and agree that:

• No Direct Card Storage: Vallea Insight does not directly store, process, or transmit your payment card information. All payment data is handled exclusively by Stripe or other applicable payment processors under their own security and compliance protocols (including PCI-DSS compliance).
• Third-Party Terms: Payment processing is subject to Stripe's Terms of Service and Privacy Policy, available at stripe.com. By providing your payment information, you agree to be bound by Stripe's applicable terms.
• No Liability for Processor Errors: Vallea Insight is not responsible for errors, delays, failed charges, security incidents, unauthorized access, or any other issues originating with Stripe or any other third-party payment provider.
• Currency & Taxes: All charges are denominated in U.S. Dollars unless otherwise stated. You are solely responsible for any applicable taxes, currency conversion fees, or bank charges related to your payment method.

25. No Guarantee of Results

You expressly acknowledge and agree that:

• Vallea Insight does not guarantee, represent, or warrant that use of the platform — including paper trading simulations, AI insights, market data, DEX trading features, or any other Service — will result in any financial profit, positive return, or improved investment performance.
• All simulated paper trading results are hypothetical. Hypothetical performance results have many inherent limitations. No representation is made that any account will achieve profits or losses similar to simulated results.
• Past performance of any asset, strategy, or simulation displayed on the platform does not guarantee, predict, or indicate future results.
• Market conditions, regulatory changes, technical failures, and numerous other factors outside our control can adversely affect outcomes. Vallea Insight bears no responsibility for any such outcomes.
• You are solely responsible for all financial decisions and outcomes arising from your use of the platform, including any real-world trades or investments you make based on information from the Services.