Legal documents

Last modified: March 2026

1. Acceptance of Terms of Use

These terms govern access to makebanc.com and related applications. By using the Platform, you agree to be bound by these Terms of Use. The Platform is available only to users aged 18+ who are not residents of "Restricted Jurisdictions" (UN-sanctioned states or areas where use would violate applicable law).

2. Changes to the Terms of Use

MakeBanc may revise these Terms at its sole discretion. Changes take effect immediately upon posting and apply to all subsequent Platform use. Continued use indicates acceptance of modifications.

3. Description of Services

3.1 Capital Orchestration

MakeBanc provides connectivity infrastructure enabling capital owners to allocate funds to strategies operated by independent third-party operators through ERC-7540 vault smart contracts. The company does not hold, control, or manage digital assets, users retain full ownership through non-custodial wallets.

3.2 Strategy Index

The Platform displays strategy classifications (Market Neutral, Market Arbitrage, etc.) as informational labels only, not recommendations. Users are solely responsible for strategy selection based on independent research.

3.3 Vault Infrastructure

Capital allocated through the Platform interacts with ERC-7540 vault smart contracts using a PendingVault and ActiveVault dual-token structure. Capital Operators execute strategies through Ceffu institutional custody and Binance SMA execution rails. All vault interactions are user-initiated; the Platform cannot modify allocations without explicit user action.

3.4 Intermediary Connectivity

Capital Intermediaries may introduce parties to MakeBanc's infrastructure but are not authorized to provide investment advice or make allocation recommendations on MakeBanc's behalf.

4. Fees and Pricing

MakeBanc may charge technology infrastructure fees per the applicable fee schedule. The company reserves the right to modify fee structures with reasonable notice. Users may incur blockchain network fees (gas fees) paid to the underlying blockchain network. Performance fees are attributes of Capital Operator strategies enforced by smart contract logic, not MakeBanc fees.

5. Accessing the Platform and Security

MakeBanc reserves the right to withdraw or amend the Platform without notice. Users are responsible for maintaining wallet private key confidentiality and must notify the company immediately of unauthorized account access. The company may disable any username or identifier at its discretion.

6. Non-Custodial Nature and No Fiduciary Duties

The Platform is strictly non-custodial. MakeBanc does not have custody or control of digital assets. Users are solely responsible for safeguarding private keys. The agreement creates no fiduciary duties, and "to the fullest extent permitted by law," such duties are disclaimed, waived, and eliminated. MakeBanc is a technology company, not a bank, and does not provide financial advice, accept funds for allocation, or take custody of assets.

7. Representations and Warranties

By accessing the Platform, users represent and warrant:

• They have read and understood the Terms of Use and Risk Disclosure Statement
• They understand MakeBanc provides technology infrastructure only, not investment advice, custody, or banking services
• They are not residents, citizens, nationals, or agents of Restricted Jurisdictions (including Belarus, Burundi, Crimea, Cuba, Democratic Republic of Congo, Iran, Iraq, Libya, North Korea, Somalia, Sudan, Syria, Venezuela, Zimbabwe, or other comprehensively sanctioned countries)
• They possess adequate financial and technical knowledge to understand risks of cryptographic and blockchain-based systems
• They understand digital asset markets are nascent and highly volatile, with various risk factors affecting value
• They assume full responsibility for all risks associated with Platform access and use
• They are acting on their own account and not relying on company communications as solicitation or recommendation
• They are solely responsible for wallet security and authentication credentials
• They understand smart contract transactions are automatic and irreversible once confirmed

8. Permitted Use and Prohibited Activities

8.1 Permitted Use

Users may access strategy operator information and historical performance, allocate capital to chosen strategies through vault smart contracts, and manage allocations.

8.2 Prohibited Activities

Users agree not to:

• Violate applicable laws or regulations
• Infringe intellectual property rights
• Engage in market manipulation, fraud, or deceptive practices
• Attempt unauthorized access to Services or other accounts
• Interfere with Service integrity
• Use Services for money laundering, terrorist financing, or illegal activities
• Impersonate persons or entities or misrepresent affiliations
• Use unauthorized automated tools (robots, spiders, crawlers, scrapers)
• Introduce malicious software or code
• Engage in activities that damage, disable, or impair Service functioning

9. Compliance with Applicable Laws

Users agree not to violate applicable laws, including anti-money laundering and anti-terrorist financing laws, privacy and data collection laws, and export laws or regulations.

10. Intellectual Property

The Platform and its contents, features, and functionality are owned by MakeBanc, its licensors, or content providers and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. MakeBanc grants users a limited, non-transferable, non-sublicensable, non-exclusive, revocable license for personal use.

11. Disclaimer of Warranties

"THE PLATFORM AND THE SERVICES ARE PROVIDED 'AS IS' AND ON AN 'AS AVAILABLE'" basis, without warranty. MakeBanc specifically disclaims implied warranties of merchantability, fitness for purpose, quiet enjoyment, or non-infringement and disclaims all responsibility for completeness, accuracy, availability, timeliness, security, or reliability.

12. Limitation of Liability

MakeBanc will not be liable for incidental, special, consequential, indirect, or punitive damages. "THE COMPANY'S TOTAL LIABILITY TO YOU FOR ANY DAMAGES FINALLY AWARDED SHALL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU PAID THE COMPANY, IF ANY, IN THE PAST SIX MONTHS."

13. Indemnification

Users agree to defend, indemnify, and hold harmless MakeBanc, its officers, directors, employees, consultants, affiliates, subsidiaries, and agents from claims, liabilities, damages, losses, and expenses arising from Platform access, use, Terms of Use violations, third-party right violations, or disputes with third parties.

14. Third-Party Services and Materials

The Platform may display third-party services or materials. MakeBanc does not endorse third-party services, and user access is governed solely by third-party terms and conditions.

15. Suspension and Termination

MakeBanc may suspend account access if it has reasonable basis to believe use violates applicable laws or these Terms. The company may terminate or suspend all or part of Platform access for any or no reason, with or without notice. Users may terminate accounts at any time without prior notice.

16. Governing Law and Dispute Resolution

16.1 Governing Law

These Terms are governed by Cayman Islands law without regard to conflict of law principles.

16.2 Arbitration

Disputes arising from these Terms shall be resolved through arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, conducted in English with the seat of arbitration in the Cayman Islands.

16.3 Class Action Waiver

"TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AND WE AGREE THAT THERE WILL BE NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE BROUGHT, HEARD, OR ARBITRATED AS A CLASS ACTION" or in representative or private attorney general capacity. All disputes shall be resolved on an individual basis only.

17. Miscellaneous

• Entire Agreement: These Terms constitute the entire and exclusive understanding between parties regarding Platform access and use
• No Waiver: Failure to require provision performance does not affect the right to require future performance
• Severability: If any part is invalid or unenforceable, it shall be given effect to the greatest extent possible
• Assignment: Users may not assign rights or obligations; MakeBanc may transfer its rights and obligations without user consent
• Electronic Communication: By agreeing to these Terms, users consent to electronic communications from the Company

18. Privacy Policy

The separate MakeBanc Privacy Policy describes information handling practices. Users should refer to that policy for complete privacy practice explanations.

19. Contact

For questions about these Terms of Use, contact hello@makebanc.com.

---

© 2026 MB Technology Ltd, Cayman Islands. All rights reserved.