Terms of Service & Legal Notice

 

Effective Date: November 2025

  1. Introduction and Acceptance

These Terms of Service and Legal Notice (the “Terms”) govern access to and use of all websites, portals, and materials operated by Decentra Finance LLC (“Decentra,” “we,” “our,” or “us”). By accessing or using any Decentra site, you acknowledge that you have read, understood, and agreed to these Terms. If you do not agree, do not use the site.

  1. Audience and Eligibility

The site is intended for institutional and professional users. By accessing or submitting information, you represent that you are authorized to act on behalf of your organization. You must comply with all applicable laws and regulations, including those concerning export controls, sanctions, and financial conduct. Access is prohibited where restricted by law.

  1. Purpose of Information

All materials on this site are provided for informational purposes only. Nothing contained on the site constitutes an offer to sell, a solicitation to buy, or a recommendation relating to any financial instrument, digital asset, commodity, or service. Nothing on the site constitutes legal, accounting, investment, or tax advice. You should obtain professional advice before making financial or strategic decisions.

  1. Confidentiality Orientation

Decentra operates under confidentiality and security protocols. Certain information and visuals may be intentionally withheld or redacted. Submission of a contact request or clearance request does not create any client, advisory, or fiduciary relationship. If you receive confidential information from Decentra, you agree to protect it, limit its use to permitted purposes, and not disclose it to others without written consent.

  1. Intellectual Property

All content, designs, documentation, text, logos, and marks displayed on the site are protected by copyright, trademark, trade secret, and other intellectual property laws. These include Whale Rails™, OpenStables™, Stablecoins-as-a-Service™, and related systems and visual identifiers.
No license or right is granted to you by implication or otherwise. You may not copy, reproduce, distribute, modify, or publicly display any part of the site without written authorization from Decentra.

  1. Compliance and Regulatory Status

Decentra is a private technology company that develops institutional settlement infrastructure for digital markets. Decentra does not act as a bank, broker-dealer, investment adviser, exchange, or money transmitter unless separately disclosed through licensed entities and under the supervision of relevant regulatory authorities.
Certain products or features may not be available in all jurisdictions. Access and participation may be restricted based on geography, regulatory status, or internal policy.

  1. User Submissions

When you submit information through the site, including names, contact details, and messages, you confirm that it is accurate and that you have the right to provide it. You grant Decentra a limited, non-exclusive license to use the submission solely to review, respond, and perform compliance screening.
Decentra does not sell or lease personal information. All data handling follows our Privacy Policy.

  1. Acceptable Use

You agree not to engage in any activity that could compromise or disrupt the site or Decentra’s systems. Prohibited actions include:

  • Attempting to gain unauthorized access to accounts or systems.
  • Introducing malware, scripts, or other harmful code.
  • Using automated means to collect data from the site.
  • Misrepresenting your affiliation or identity.
  • Violating any law or regulation related to your use of the site.
  1. Security

Decentra employs layered security controls to protect data and communications. However, no system is perfectly secure. You are responsible for using secure devices and connections when accessing Decentra resources.
Decentra reserves the right to monitor access for security and compliance purposes.

  1. Disclaimers and Warranties

The site and all information are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Decentra disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
Decentra does not warrant that the site will be uninterrupted, error free, or free of harmful components, or that results will meet your expectations.

  1. Limitation of Liability

To the maximum extent permitted by law, Decentra and its affiliates, directors, officers, employees, contractors, and agents are not liable for any indirect, incidental, consequential, special, or exemplary damages. This includes loss of profits, data, or goodwill resulting from or relating to your use of the site or any linked materials.
If liability is found, Decentra’s total cumulative liability will not exceed one hundred United States dollars (USD $100).

  1. Indemnification

You agree to defend and indemnify Decentra, its affiliates, and their respective personnel against any claim, liability, loss, or expense arising out of your use of the site, your submissions, or your breach of these Terms.

  1. Suspension or Termination

Decentra may suspend or terminate access to the site or any portion of it at any time, without notice, for maintenance, security, legal, or operational reasons. Upon termination, rights granted to you under these Terms will immediately end.

  1. Forward-Looking Information

Certain materials may include statements about planned products, timelines, integrations, or markets. Such statements are forward-looking and subject to risks and uncertainties. Actual results may differ materially. Decentra assumes no obligation to update or revise such statements.

  1. Governing Law and Dispute Resolution

These Terms are governed by and will be construed in accordance with the laws of the State of Georgia, without regard to its conflict of law principles or the laws of any other jurisdiction. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

Any dispute, claim, or controversy arising out of or relating to these Terms, your use of the site, or any Decentra products or communications (collectively, “Disputes”) will be resolved exclusively through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules in effect at the time of filing.

The seat and venue of arbitration will be Dekalb County, Georgia, and the proceedings will be conducted in the English language. Each party will bear its own costs, and the arbitrator may award costs or fees as permitted under applicable law. The arbitrator’s award will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Class Action Waiver: All Disputes must be brought on an individual basis. You and Decentra agree that no claim will be brought as a plaintiff or class member in any purported class, consolidated, or representative action or proceeding.

Opt-Out Option: You may opt out of binding arbitration within thirty (30) days of first acceptance of these Terms by sending a written notice to legal@decentra.finance with the subject line “Arbitration Opt-Out – Decentra Finance.” If you opt out, you agree that all Disputes will be resolved exclusively in the state or federal courts located in Dekalb County, Georgia, and you consent to personal jurisdiction in those courts.

Nothing in this section prevents either party from seeking injunctive or equitable relief in a court of competent jurisdiction to protect its intellectual property, trade secrets, or confidential information.

  1. Data Privacy

Use of the site is subject to Decentra’s Privacy & Data Handling Policy, available at decentra.finance/privacy.

By submitting information, you consent to processing and handling of your data consistent with that policy.

  1. Export Controls and Sanctions

You must comply with all applicable export control and sanctions laws of the United States and other jurisdictions. You represent that you are not on any restricted or denied party list and that you are not located in a sanctioned country. Decentra may restrict access to users or jurisdictions for compliance reasons.

  1. Intellectual Property Enforcement

Decentra actively monitors for unauthorized use of its marks, code, and content. Violations may result in legal action or referral to regulatory or law enforcement authorities.

  1. Updates to These Terms

Decentra may modify these Terms periodically to reflect operational, legal, or technological changes. Updated versions will be posted with a new “Effective Date.” Continued use of the site after updates constitutes acceptance of the revised Terms.

  1. Notices and Contact Information

All legal notices and communications to Decentra must be directed to:

Decentra Finance LLC
Attn: Legal Department
Email: legal@decentra.finance

You may also contact us through the secure form available on our website.

  1. Entire Agreement

These Terms and any referenced policies form the entire agreement between you and Decentra regarding site access and use. They replace any prior communications or understandings relating to the same subject matter.

  1. Severability and Waiver

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in effect. Failure to enforce a provision does not constitute a waiver of that provision or any other provision.

  1. Assignment

You may not assign or transfer rights or obligations under these Terms without written consent from Decentra. Decentra may assign these Terms to any affiliate or successor in interest.

  1. Force Majeure

Decentra is not responsible for delays or failures to perform resulting from causes beyond its reasonable control, including acts of nature, war, terrorism, labor disputes, or network disruptions.

  1. Legal Disclosures
  • Regulatory Status: Decentra is a private technology firm. It does not custody client funds or execute trades unless through licensed partners or entities operating under applicable regulatory frameworks.
  • Geographic Availability: Services and features are not available in all jurisdictions and may be limited by law or policy.
  • No Partnership Representation: References to third-party entities do not constitute partnership or endorsement unless specifically stated in writing.
  • Trademarks: Whale Rails™, OpenStables™, Stablecoins-as-a-Service™, and other marks and graphics are trademarks of Decentra Finance LLC. All rights reserved.
  1. Contact and Additional Information

For privacy inquiries, partnership verification, or compliance correspondence, contact:

Decentra Finance LLC
Confidential Correspondence Department
Email: contact@decentra.finance

End of Terms

© 2025 Decentra Finance LLC. All rights reserved.
Access to this site and its contents is governed by these Terms. Certain materials remain confidential under Decentra’s disclosure protocols.

Certain information on this site is confidential and has been intentionally withheld under active non-disclosure agreements. Decentra Finance operates within regulated frameworks where permitted. Whale Rails™, OpenStables™, and Stablecoins-as-a-Service™ are trademarks of Decentra Finance LLC. Some data intentionally withheld under active non-disclosure agreements.

© 2026 Decentra Finance LLC. All rights reserved.         ISO 20022 Ready • SOC-2 Audited

Legal

Privacy