Terms of Service

1. Acceptance of Terms

By accessing or using yieldcalc.app (the “Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree with any part of these Terms, you must immediately cease using the Site.

These Terms constitute the entire agreement between you and the operator of yieldcalc.app (“we”, “us”, “our”) with respect to your use of the Site, and supersede all prior or contemporaneous communications and proposals.

2. Description of Service

yieldcalc.app is an educational research tool that provides:

• Calculations of estimated DeFi staking and lending yields based on publicly available on-chain and off-chain data sources (including DeFiLlama and CoinGecko).
• Comparison tables of Annual Percentage Yield (APY) rates across DeFi protocols such as Lido, Aave, Rocket Pool, and others.
• General informational content about decentralised finance protocols, staking mechanisms, and associated risks.
• Links to third-party DeFi platforms, some of which may generate affiliate commissions for yieldcalc.app.

The Site does not provide investment advice, execute transactions, custody assets, hold funds on your behalf, or provide any regulated financial services.

3. Not Financial Advice — Risk Warning

All content on yieldcalc.app is provided for informational and educational purposes only. Nothing on this Site constitutes financial advice, investment advice, trading advice, legal advice, tax advice, or any other form of advice.

Yield estimates displayed on the Site are calculated from publicly available data and represent historical or current protocol rates. They are not guarantees, projections, or predictions of future performance. Actual yields may be significantly lower, or you may incur a total loss of principal.

DeFi protocols carry risks including but not limited to:

• Smart contract vulnerabilities and exploits.
• Validator slashing (for proof-of-stake protocols).
• Impermanent loss (for liquidity provision strategies).
• Protocol governance decisions that alter reward structures.
• Regulatory intervention or legal changes affecting the legality of DeFi.
• Extreme market volatility and potential illiquidity.
• Oracle manipulation and price feed failures.

You should always conduct your own research (“DYOR”) and consult a qualified financial advisor, tax advisor, or legal counsel before making any investment decisions related to cryptocurrency or DeFi.

4. Permitted Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Site for your personal, non-commercial informational and research purposes.

You agree not to:

• Use the Site in any way that violates any applicable local, national, or international law or regulation.
• Systematically retrieve data from the Site to create or compile a competing database, product, or service.
• Attempt to gain unauthorised access to any portion of the Site, its related systems, or networks.
• Transmit spam, malware, or other harmful code via the Site.
• Reproduce, duplicate, copy, sell, or exploit any portion of the Site without our express written permission.
• Use the Site to make investment decisions on behalf of others in a professional capacity without appropriate regulatory authorisation.

5. Intellectual Property

The Site and its original content, features, and functionality are and will remain the exclusive property of the operator of yieldcalc.app. The Site is protected by Swiss copyright law (URG), international copyright treaties, and other intellectual property laws.

Our trademarks (including the name “yieldcalc.app” and any associated logos) may not be used in connection with any product or service without our prior written consent.

Third-party data displayed on the Site (such as DeFiLlama yield data and CoinGecko price data) is subject to the respective providers' terms of service and licensing. We do not claim ownership of such third-party data.

6. Affiliate Relationships

The Site contains links to third-party DeFi protocols and platforms. Some of these links are affiliate links, meaning we may receive a commission or other compensation if you click through and take an action (such as staking tokens) on a linked platform.

Affiliate commissions are typically paid on a pay-per-click or pay-per-action basis and are paid to us by the protocol or platform, not by you. Your use of a linked platform does not cost you more because of our affiliate relationship.

Our affiliate relationships do not influence the APY data, protocol rankings, or editorial content we display. We rely exclusively on publicly available on-chain and off-chain data sources. All affiliate links are marked with the HTML attribute rel=“sponsored” as required by search engine guidelines.

For a full list of our current affiliate partnerships, see our Affiliate Disclosure.

7. Advertising

The Site displays third-party advertisements served by Google AdSense and potentially other ad networks. These advertisements are clearly distinguished from editorial content. We do not endorse the products or services advertised. Ad content is determined by the ad network based on contextual signals and, where you have consented, personalisation. You can opt out of personalised advertising via the cookie banner or your Google Ad Settings.

8. Disclaimers and Warranties

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR UNINTERRUPTED, ERROR-FREE OPERATION.

We do not warrant that:

• The Site will be uninterrupted, timely, secure, or error-free.
• Yield data, APY rates, TVL figures, or price data are accurate, complete, or current at the time of your access.
• The results obtained from using the calculator tools will be accurate or reliable.
• Any errors in the Site will be corrected.

To the extent permitted by applicable law (including mandatory Swiss consumer protection provisions), we expressly disclaim all warranties.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE OPERATOR OF YIELDCALC.COM, ITS CONTRIBUTORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, PERSONAL INJURY, PROPERTY DAMAGE, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO:

• Your access to or use of (or inability to access or use) the Site.
• Any content obtained from the Site.
• Investment or financial decisions made in reliance on information from the Site.
• Losses incurred in DeFi protocols accessed via links on the Site.
• Unauthorised access to or use of our servers or personal data stored therein.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SITE SHALL NOT EXCEED CHF 100 (ONE HUNDRED SWISS FRANCS).

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for certain types of damages. In such jurisdictions, our liability shall be limited to the fullest extent permitted by applicable law.

10. Third-Party Links and Services

The Site contains links to third-party websites and DeFi protocols. These links are provided for convenience and informational purposes. We have no control over the content, privacy policies, or practices of any third-party sites or services. We do not warrant the offerings of any of these entities.

You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by your use of or reliance on any such content, goods, or services available on or through any such websites or services.

11. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to the practices described in our Privacy Policy, to the extent permitted by applicable law.

12. Modifications to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect by updating the “Last updated” date and displaying a banner on the Site. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use the Site after those revisions become effective, you agree to be bound by the revised Terms.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Switzerland, without regard to its conflict of law provisions, and specifically excluding any application of the UN Convention on Contracts for the International Sale of Goods (CISG).

Any dispute arising out of or relating to these Terms or the Site shall be subject to the exclusive jurisdiction of the courts of Zurich, Switzerland, unless mandatory consumer protection law in your country of residence provides for a different forum.

Notwithstanding the foregoing, if you are a consumer resident in the European Union, you retain the benefit of any mandatory consumer protection provisions under the laws of your country of residence, and you may bring proceedings in the courts of your country of residence.

14. Contact

If you have any questions about these Terms, please contact us at: legal@yieldcalc.app