Terms of Service

Operator: DeFi Daddy (“DeFi Daddy”, “we”, “us”)
Contact: support@defidaddyapp.com
Effective date: September 13, 2026
Governing law: the Province of British Columbia, Canada
Venue: British Columbia

By creating an account or using DeFi Daddy, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the service.

Important — what DeFi Daddy is (and is not)

DeFi Daddy is a technology and analytics platform for read-only monitoring of public blockchain data.

We are not a broker, exchange, dealer, bank, money transmitter, custodian, intermediary, agent, or fiduciary.
We do not hold, control, or have access to your digital assets.
We cannot initiate transfers, send transaction messages, sign transactions, or move funds on your behalf.
We do not provide personalized financial, investment, legal, or tax advice, and nothing on the service is an inducement or solicitation to buy, sell, or trade any asset.

You always remain responsible for your own wallets, keys, positions, and decisions.

1. The service

Typical features:

Submit public wallet addresses for scanning and monitoring
View quantified metrics derived from public on-chain data and third-party price marks (e.g. collateral, borrow, health-factor style ratios)
Optional email/SMS alerts when thresholds you configure are met
Paid membership tiers that unlock continuous monitoring and related features

Supported chains we advertise today: Ethereum, Base, Flare, Solana, BNB Chain, and Arbitrum. Protocols we advertise today: Morpho Blue (Ethereum, Base, Flare, and Arbitrum), Aave V3 (Ethereum, Base, BNB Chain, and Arbitrum), Kinetic, Kamino Lend, Jupiter Lend (Solana lend/borrow), MarginFi, Save, Drift (Solana spot lend/borrow), Venus (BNB Chain), Lista Lending (BNB Chain), Spark (Ethereum), Compound V3 (Ethereum), Fluid Lending (Ethereum and Arbitrum), Dolomite (Ethereum and Arbitrum), Enosys Loans (Flare), and Firelight (Flare). Enosys Loans risk is shown as ICR (individual collateral ratio), not classic Aave-style health factor. Firelight means Flare XRP liquid staking (stXRP) coverage — not classic Aave-style health factor, and not Upshift, Mystic, or Flare DEX LP coverage. Jupiter Lend means the Solana lend/borrow book only — not Jupiter DEX LP coverage. Fluid Lending means lend/borrow on Ethereum and Arbitrum only (classic HF) — not Fluid DEX and not Fluid on other chains. Arbitrum coverage is Fluid Lending, Aave V3, Morpho Blue, and Dolomite only — not full Arbitrum DeFi. Dolomite means Dolomite Margin lend/borrow on Ethereum and Arbitrum only — not Mantle, Berachain, X Layer, or other Dolomite chains. Aave V3 on BNB Chain means BNB Chain Aave V3 markets only (alongside Venus and Lista) — not full BSC DeFi and not Aave V4. Lista Lending means Lista Moolah lend/borrow on BNB Chain only (classic HF), beside Venus — not Lista CDP/DEX/DAO/liquid-staking and not full BSC DeFi. We do not claim full Solana DeFi, full BSC DeFi, full Flare DeFi, full Arbitrum DeFi, full Fluid multi-chain, Drift perps, or protocols we do not support. Marketing will match working scanners only.

We may change, suspend, or discontinue features. Pre-release / beta features are provided as-is.

2. Eligibility & sanctions

You must be at least 18 (or the age of majority where you live, if higher) and able to form a binding contract. If you use DeFi Daddy for an organization, you represent you have authority to bind it.

You represent that you are not a sanctioned person and are not located in, resident in, or accessing the service from a jurisdiction that is the target of comprehensive economic sanctions administered by the UN, US, EU, UK, or Canada (as applicable). We may restrict access where required by law or risk.

3. Accounts

Provide accurate information and keep credentials secure.
You are responsible for activity under your account.
Notify us promptly of unauthorized access.
We may suspend or terminate accounts for breach, abuse, unpaid fees, or risk to the service.
You may request account deletion as described in the Privacy Policy.

4. Public addresses only

You agree to submit only public blockchain addresses you are authorized to monitor.
Never submit seed phrases, private keys, keystore files, or authorize transactions through DeFi Daddy. We will never ask for them.

5. Acceptable use

You will not:

Abuse, overload, disrupt, or probe the service
Bypass rate limits, paywalls, or access controls
Scrape, spider, or mine data at scale except as we expressly allow
Reverse engineer or use the service to build a competing clone of our product
Access another user’s account or non-public data
Use the service to violate law (including fraud or sanctions evasion)
Misrepresent our metrics as audited financial statements
Resell the service except as we expressly allow

6. Subscriptions, trials, billing & refunds (web)

Plans, prices, and trial terms are shown at signup/checkout and may change prospectively for future periods.
Free trial: new accounts receive a free 3-day trial of paid features (as described at signup). When the trial ends, continued access to paid features requires an active paid plan.
Web payments are processed by third parties (e.g. Stripe for cards, and — when enabled — a named crypto payment processor). Their terms also apply.
Cancel anytime in account settings or via support; access continues through the end of the then-current paid period unless we state otherwise.
Failed payments may pause monitoring and related paid features immediately.
Crypto (web only, when enabled): prepaid membership periods via a third-party processor; access only after payment is confirmed; crypto transfers are generally irreversible; no-refund policy applies; we do not provide exchange, custody, or withdrawal services; not offered via mobile in-app purchase flows.

6.1 No refunds

All fees are non-refundable. To the maximum extent permitted by law:

Payments for subscriptions, renewals, upgrades, and add-ons are final.
There are no refunds for unused time, partial months, change of mind, dissatisfaction, downtime, missed or late alerts, inaccurate metrics, liquidations, trading losses, or because you stop using the service.
The free 3-day trial ends when stated; converting to a paid plan is a new charge and is non-refundable under this policy. Unused trial time has no cash value.
Chargebacks initiated without a bona fide unauthorized-payment claim may result in suspension and recovery of fees, costs, and processor penalties.

Mandatory law carve-out only: if a non-waivable consumer protection statute in your jurisdiction requires a refund or cooling-off right, we will honor only what that statute requires — nothing more.

Checkout and renewals are conditioned on your acceptance of this no-refund policy.

7. Alerts — no reliance for loss prevention

Alerts depend on data feeds, uptime, carriers, devices, and your settings. You expressly agree that:

We do not guarantee delivery, timeliness, correctness, or completeness of any alert.
Alerts are a convenience, not a safety system, kill switch, or risk-management mandate.
You must not rely on alerts (or the absence of alerts) to prevent liquidation, margin calls, bad debt, or any other loss.
You remain solely responsible for monitoring your positions by whatever independent means you choose.

You must separately opt in to SMS/email alerts and can opt out as described in the Privacy Policy and consent copy.

8. Accuracy, availability & assumption of risk (losses)

Metrics, health-factor style ratios, borrow remaining, collateral marks, liquidation estimates, and similar figures may be wrong, incomplete, delayed, or unavailable. Price oracles, indexers, RPCs, and protocols can fail or disagree.

You assume all risk of using the service and of your on-chain activity, including without limitation:

Liquidation, deleveraging, or loss of collateral on third-party protocols
Smart-contract bugs, oracle failure, governance attacks, or protocol insolvency
Inaccurate or late data displayed or alerted by DeFi Daddy
Downtime, bugs, or security incidents affecting the service
Volatility of digital assets and regulatory uncertainty

Past conditions do not predict future results.

Release for losses (to the maximum extent permitted by law). You release and hold harmless DeFi Daddy and our suppliers from any claim arising out of or related to liquidation losses, lost digital assets, lost profits, missed opportunities, or reliance on our data or alerts, whether based in contract, tort (including negligence), statute, or otherwise — except to the extent a non-waivable law prohibits such release, or to the extent caused by our fraud or willful misconduct.

Taxes: you alone are responsible for determining and paying any taxes related to your activity or assets. We do not provide tax advice.

9. Intellectual property & feedback

DeFi Daddy branding, UI, and software are owned by us or our licensors. You receive a limited, revocable, non-transferable license to use the service for your own internal purposes.

If you send feedback or ideas, you grant us a perpetual, worldwide, royalty-free license to use them without obligation to you.

10. Third-party services

On-chain protocols, wallets, RPCs, indexers, and price APIs are third parties. Outages and errors are outside our control. Links are not endorsements. Their terms may also apply when you leave our service. We are not liable for third-party protocols’ liquidations, failures, or losses.

11. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) METRICS, ALERTS, OR RESULTS WILL BE ACCURATE, COMPLETE, OR RELIABLE; (C) DEFECTS WILL BE CORRECTED; OR (D) THE SERVICE WILL MEET YOUR REQUIREMENTS OR PREVENT ANY LOSS OR LIQUIDATION.

Not financial, investment, legal, or tax advice. No oral or written information from us creates a warranty not expressly stated in these Terms.

12. Limitation of liability — losses

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

(A) Excluded damages. WE AND OUR SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOST DIGITAL ASSETS, LOST GOODWILL, BUSINESS INTERRUPTION, COST OF SUBSTITUTE SERVICES, LIQUIDATION LOSSES, MARGIN LOSSES, OR FAILURE OF ALERTS — WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

(B) Cap. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE LESSER OF: (1) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE CLAIM; OR (2) USD $50 (or local equivalent). IF YOU HAVE PAID US NOTHING IN THAT PERIOD, YOU AGREE YOU ARE ENTITLED TO NO DAMAGES FROM US TO THE MAXIMUM EXTENT PERMITTED BY LAW (injunctive relief only where that is the sole non-waivable remedy).

(C) Allocation of risk. These limitations are a fundamental basis of the bargain and a material inducement for us to provide the service at the stated price. You acknowledge digital-asset and DeFi activity is inherently risky and that you would not use a free or low-cost monitoring tool if we bore your trading or liquidation risk.

(D) Non-waivable rights. Some jurisdictions do not allow certain exclusions. In those places, our liability is limited to the fullest extent allowed, and these Terms still apply to everything that can be limited.

13. Indemnity

You will defend, indemnify, and hold harmless DeFi Daddy and our officers, directors, contractors, and suppliers from any claim, loss, damage, liability, cost, or expense (including reasonable lawyers’ fees) arising out of or related to: (a) your use or misuse of the service; (b) your wallets, positions, liquidations, or on-chain activity; (c) your reliance on metrics or alerts; (d) your violation of these Terms or law; or (e) your dispute with any third-party protocol — except to the extent caused by our fraud or willful misconduct.

14. Changes

We may modify the service and these Terms. We will update the effective/last-updated date when we post changes. Material changes will be posted on the service; where appropriate we may also notify you in-product or by email. Continued use after the effective date constitutes acceptance, unless applicable law requires otherwise. If you do not agree, stop using the service.

15. Termination

You may stop anytime. We may suspend or terminate access for breach, risk, or legal reasons. Provisions that should survive (IP, disclaimers, liability limits, indemnity, governing law, general terms) survive termination.

16. Governing law

These Terms are governed by the laws of the Province of British Columbia, Canada, excluding conflict-of-law rules. Courts of British Columbia have exclusive jurisdiction, except where prohibited.

Arbitration / class procedures are not included in this draft — do not add without counsel.

17. General

Entire agreement. These Terms + Privacy Policy (+ any plan-specific terms at checkout) are the entire agreement for the service.
Severability. If a provision is unenforceable, the rest remains.
Force majeure. We are not liable for delays/failures beyond reasonable control.
Assignment. You may not assign without our consent; we may assign to an affiliate or successor.
No waiver. Failure to enforce a provision is not a waiver.
International use. You are responsible for local law compliance where you access the service.

18. Contact

support@defidaddyapp.com
DeFi Daddy
5307 Victoria Drive #712, Vancouver, BC V5P 3V6, Canada