L2IO TERMS AND CONDITIONS
L2IO, and/or its affiliates ("we," "our," or "us"), offers its software services through our website and mobile application. We also have associated mobile apps and products (collectively, "Services"). Services are generally accessed through the Website or through a third-party provider of which we approved. Some Services may require you to create an account with us, enter a valid form of payment, and select a paid plan, or initiate an order. Before using our Services, it's important to carefully read our Terms of Service (the "Terms") and any other policies or notices related to our Website or mobile apps.
1. Agreement to Terms
By using any of our Services, you confirm that (i) you have read and understand our Terms, (ii) you agree to follow these Terms, and (iii) you are legally allowed to accept these Terms. If you don't agree with these Terms or any changes we make to them, please don't use our Services.
2. Updates to Terms or Service
We reserve the right to update or modify these Terms at any time at our sole discretion. If we do so, we'll let you know by either posting the revised Terms on our website, on our mobile application or through other methods of communication which we deem reasonable. Such revised Terms as posted will take effect immediately, unless otherwise indicated. You should regularly check our website to inform yourself of any such changes and decide whether or not to accept the revised version of these Terms. If you continue to use the Services following any update or modification of the Terms you shall be deemed to have accepted the revised Terms. If you do not agree to the Terms or any update or modification to the Terms, you must cease to access or use our Services. Our Services are evolving over time, we may change or discontinue all or any part of the Services, at any time and without prior notice, and at our sole discretion.
3. KYC, Onboarding, and Business Relationship Activation
The provision of Services and the establishment of a legally binding business relationship with us shall only take effect upon the successful completion of your Know Your Customer (KYC) and onboarding process, in accordance with our internal policies and procedures. You shall acknowledge and agree that we reserve the right to request and verify all required KYC documentation before granting access to any Services. Until such verification is completed and confirmed by us, no contractual obligations shall be deemed to arise between the Parties. You shall undertake to provide accurate, complete, and valid documentation as requested by us for onboarding purposes. Failure to provide the required documentation or any material discrepancies in the information provided may result in delays, restrictions, or the rejection of your application at our sole discretion.
Additionally, we reserve the right to conduct periodic due diligence reviews and request updated KYC documentation from you at any time. We may, at our sole discretion, suspend or terminate the Services if we reasonably believe that you are in breach of this clause or if you fail to provide satisfactory evidence of compliance with applicable legal and regulatory requirements.
4. Eligibility
To be eligible to use the Services:
You must be at least eighteen (18) years old and legally competent to enter into these Terms. If you are using our Services on behalf of a legal entity, you further represent and warrant that the legal entity is duly organized and validly existing under the applicable laws of the jurisdiction of its organization; and you are duly authorized by such legal entity to act on its behalf.
You and any person acting on your behalf must not be a Politically Exposed Person (PEP), nor are you or any affiliated entity or individual subject to any sanctions, embargoes, or restrictive measures imposed by any applicable regulatory authority, including but not limited to the United Nations (UN), European Union (EU), United Kingdom (UK), United States (OFAC), or any other relevant authority.
You must not be engaged in, nor will engage in, any activity that is unlawful, fraudulent, or contrary to applicable anti-money laundering (AML) and counter-terrorism financing (CTF) regulations.
You can only use our Services if permitted under the laws of your jurisdiction. For the avoidance of doubt, you may not use our Services if you are located in, or a citizen or resident of any state, country, territory or other jurisdiction where your use of our Services would be illegal or otherwise violate any applicable laws.
Please make sure that these Terms are in compliance with all laws, rules, and regulations that apply to you. You agree that you are only using our Services with legally-obtained funds that rightfully belong to you. By using our Services, you represent and warrant that you meet all eligibility requirements that we outline in these Terms.
You shall immediately inform us in writing if there is any change in your status concerning the representations made in this clause, including but not limited to becoming a PEP or being subject to sanctions or regulatory action.
Notwithstanding the aforementioned conditions, we maintain absolute discretion to prohibit certain individuals from accessing or utilizing our Services. Additionally, please note that we reserve the right to modify our eligibility criteria at any given time, in accordance with relevant laws, regulations, and company policies.
5. Services
We provide specialized technology solutions and market research services exclusively to elective, educated clients, including corporate entities, business executives, investors, and policymakers. Our expertise lies in risk modeling, quantitative research, and technology-driven market intelligence, helping clients assess financial risks, optimize liquidity strategies, and navigate complex regulatory environments in the evolving landscape of digital assets, decentralized finance (DeFi), and liquidity provisioning.
Our core capabilities include DeFi risk modeling and smart contract analysis, where we evaluate liquidity provisioning protocols, automated market makers (AMMs), and yield strategies to identify vulnerabilities, slippage effects, and systemic risks. By leveraging on-chain analytics and predictive modeling, we provide institutions with actionable insights into protocol stability, capital efficiency, and risk exposure in decentralized markets.
Through quantitative research and market analysis, we apply big data analytics, AI-driven sentiment analysis, and statistical modeling to assess DeFi market trends, tokenomics, liquidity flows, and arbitrage opportunities. Our solutions help clients understand market inefficiencies, volatility drivers, and macroeconomic influences on digital asset markets.
We also specialize in regulatory compliance and blockchain risk assessments, providing on-chain transaction monitoring, fraud detection, and AML/KYC analytics. Our services ensure alignment with evolving global regulatory frameworks, including AML, FATF, MiCA, and jurisdiction-specific DeFi compliance requirements.
To support data-driven decision-making, we design and develop real-time market intelligence dashboards and risk analytics platforms that aggregate on-chain and off-chain data. These solutions provide deep insights into liquidity pools, risk-adjusted returns, protocol governance, and institutional-grade portfolio monitoring.
Beyond digital asset markets, we deliver high-level industry research and strategic intelligence, including competitive benchmarking, regulatory impact analysis, and investment feasibility studies. Our macroeconomic research evaluates policy trends, financial stability risks, and opportunities in emerging financial markets to support institutional strategy and capital allocation.
By combining advanced risk modeling, market intelligence, and digital asset analytics, we empower clients to mitigate risks, optimize liquidity, and make informed investment decisions in the rapidly evolving digital finance ecosystem.
6. Accuracy of Information Provided by User
You represent and guarantee that any information you provide via the Services is precise and comprehensive. You accept and understand that we hold no responsibility for any errors or omissions made by you in any digital asset transactions initiated via the Services. To avoid potential issues, we strongly urge you to meticulously review the details of your transaction before initiating a digital asset transfer.
7. Third Party Services and Content
Our platform connects you to a variety of Services provided by our partners, which include but are not limited to digital assets exchanges, staking services, buying and selling of digital assets, digital assets rate displays, decentralized finance applications for the exchange, lending or borrowing of digital assets. Note that we do not have any control over these third-party services ("Third Party Services").
Your engagement with these services and the associated informational content, products, or services ("Third Party Content") is purely voluntary, and any reliance on such content is done at your own risk. While this Agreement regulates your engagement with our service, your interaction with Third Party Content and Services will likely be subjected to additional terms and conditions set by the respective third-party providers. These additional terms might involve separate charges, disclaimers, risk warnings, and privacy policies distinct from ours. It's your responsibility to understand and acknowledge these terms, including how these providers handle your personal information.
By interacting with the Third Party Services, you attest that you have read, understood, and agreed to the provider's terms. Though we make an effort to partner with trustworthy entities, we do not endorse or guarantee their offerings, nor do we assure the success of their services. We deny any liability and responsibility related to your use of these Third Party Services.
Any disputes or complaints relating to these services should be directed to the respective third-party provider. We bear no responsibility for any issues that might arise from your interactions with these services.
It is important to note that any mention or reference to a third-party product or service does not indicate an endorsement or approval from our end. We reserve the right to modify or withdraw the availability of any third-party service at our discretion.
You have the option to receive push notifications from third parties. To receive these notifications, you must explicitly agree to it as they will not be automatically enabled on your device.
We do not ensure the validity of third-party content provided through these notifications, including but not limited to information about token availability or sales.
If you grant access to a third party to your account, it does not exempt you from any responsibilities detailed in these Terms. You remain entirely responsible for all the actions or inactions of any third party that access your account.
8. Privacy Policy
To understand how we collect, use and disclose our users' information, please check our Privacy Policy at [link]. By using our Services, you accept and agree that we will manage your information (including any personal data you give us) following the terms in our Privacy Notice, as it may be updated by us from time to time.
9. Payment and Fees
The fees related to the Services, or any aspect thereof, are primarily established by our third-party partners and are available on [link] and/or in our third-party partners' mobile application. These fees can include, but are not limited to, cost for account management, transaction fees, withdrawal fees, or charges for specific services offered by our partnering entities. Please note that these charges are controlled by the third-party entities and we neither influence nor regulate the creation or modification of these fees.
We stress that these fees transpire from third-party entities that we neither control nor influence in terms of fee creation or adjustment. These partners reserve the right to revise their fee structure independently, as per their discretion.
Any update or adjustment to such fee structure will be promptly reflected on our website and/or mobile application. Your continued use of our Services following such updates indicates your acceptance of these changes. We recommend that users regularly check our website and mobile app to stay informed about the currently applicable fees.
Upon posting online, any new fee information comes into effect immediately unless stated otherwise. It remains your responsibility to stay informed about the current fee structure.
Moreover, it's essential to understand that third-party services, could add additional transaction processing fees. These added charges fall outside our jurisdiction and influence. Hence, we disavow any responsibility for fees associated with third-party services.
10. Taxes
Your tax obligations concerning your transactions made through our Services are solely your responsibility. You are required to determine what, if any, taxes apply to your transactions. Moreover, it is incumbent upon you to report and submit the correct tax amounts to the appropriate tax authority.
We expressly clarify that our role does not include determining if taxes apply to your transactions. Thus any tax obligations that accrue from your transactions through our Services is a matter for you and the applicable tax authorities.
11. Intellectual Property
Subject to your agreement and adherence with these Terms, we provide you a non-exclusive, non-sublicensable, and non-transferable license to utilize the Services strictly for your personal or internal business use. Unless otherwise explicitly stated in these Terms, you are prohibited from: (a) reproducing, altering, adapting, or creating derivative works of any part of the Services; (b) leasing, distributing, selling, sublicensing, transferring, or enabling access to the Services; (c) using the Services for the benefit of any third party; (d) integrating the Services into any product or service you offer to a third party without our prior written approval; (e) circumventing mechanisms in the Services designed to limit your use; (f) performing reverse engineering, disassembling, decompiling, translating, or seeking to extract or derive the source code, including images and texts, underlying concepts, algorithms, file formats, or non-public APIs to the Services, except as expressly permitted by law (after giving advance notice to us); (g) removing or obscuring any proprietary or other notices integrated into the Services; (h) using the Services for competitive analysis purposes or to develop competitive products.
12. Feedback
You may, on occasion, decide to provide us with feedback. We reserve the right to freely use, copy, disclose, license, distribute, and exploit any feedback related to the Services in any manner without any obligation, royalty, or limitation based on intellectual property rights or other restrictions. None of the feedback will be considered as your Confidential Information, and there's no constraint in this Agreement that limits our right to independently use, develop, evaluate, or market products or services, whether incorporating your feedback or not.
13. Content
The Services may encompass copyrighted material and trademarks including, but not limited to, text and graphical content ("the Content"), subject to protection by copyright law, registered and unregistered trademarks, and other intellectual property rights. Unless otherwise explicitly stated, we exclusively retain ownership of the Content. Your use of the Services confers no right, title, or interest in the Content to you. You concur that you will refrain from copying, reproducing, modifying, republishing, uploading, posting, transmitting, distributing, collecting, selling, licensing, creating derivative works from, or exploiting the Content, wholly or partly, irrespective of the method employed.
14. Your Use of the Services
You agree and warrant that your use of our Services will fully comply with all applicable laws. This includes any local, provincial, state, federal, national, or international laws relevant to your usage. You commit to abstain from utilizing our Services for funding, supporting, or taking part in any illegal activities including, but not limited to, prohibited trade, illegal gambling, fraud, money laundering, or terrorist activities. This agreement clarifies that if any violation of these Terms and/of any applicable laws or regulatory requirements are discovered, we reserve all rights and remedies under these Terms and at law, and we will resort to all necessary measures against you.
Additionally, you agree to:
(i) Refrain from encouraging or inducing any third party to participate in any of the activities prohibited under this section.
(ii) Not impersonate another individual, or authorize or attempt to authorize another user's account without permission. Furthermore, refrain from any use of our Services that might interfere, disrupt, adversely affect, or hinder other users from fully enjoying our Services.
(iii) Not distribute any virus or other harmful computer codes through the Services.
(iv) Not perform any action that could pose an unreasonable or disproportionately large load on our or any of our third-party providers' infrastructure.
(v) Not engage in reverse engineering nor bypass or endeavor to bypass any measures we may use to prevent or restrict access to the Services, this includes, but is not limited to, other accounts, computer systems, or networks connected to the Services.
(vi) Respect, not violate, misappropriate, nor infringe the rights of the Services, our users, or others, including privacy, publicity, intellectual property rights, or any other proprietary rights.
While we are not obligated to monitor any user content, we maintain full discretion to initiate any actions at any time and for any reason without notice should you breach these Terms.
Any use of the Services not explicitly authorized in these Terms, devoid of our prior written consent, is rigorously prohibited and will lead to an immediate termination of your license to use the Services without notice.
By using the Services, you acknowledge and accept that you may be exposed to content that may be offensive, indecent, or objectionable. We bear no responsibility and assume no liability for any user content, inclusive of any loss or damage to any of your user content.
15. Limitation of Liability & Disclaimer of Warranties
You acknowledge and accept that we cannot control, nor are obligated to act regarding: (i) potential failures, disruptions, mistakes, or delays in the processing of digital assets during your usage of the Services; (ii) chances of hardware, software, and internet connectivity failures; (iii) the risk of malicious software being introduced or discovered in software underpinning the Services; (iv) the possibility of unauthorized third-party access to your information; and (v) the risk of unknown vulnerabilities or unforeseen changes in the relevant blockchain networks.
You agree to hold us harmless and release us from all liability relating to any losses, damages, or claims resulting from: (a) user errors such as forgotten passwords, misconstructed transactions, or mistyped addresses; (b) server failure or data loss; (c) unauthorized access to the Services application; (d) bugs or other faults in the Services; and (e) unsanctioned third-party activities, including, but not limited to the employ of viruses, phishing, brute forcing, or other potential attack vectors against the Services.
We do not represent or warranty any Third-Party Content contained in or accessed through our Services. The terms, conditions, warranties, or representations associated with such content are solely between you and such respective parties.
A. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE, OR OUR AFFILIATES, OR ANY OF OUR RESPECTIVE SHAREHOLDERS, MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, ATTORNEYS, AGENTS, REPRESENTATIVES, SUPPLIERS OR CONTRACTORS BE LIABLE FOR ANY DIRECT DAMAGES OR INCIDENTAL, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR SIMILAR DAMAGES OR LIABILITIES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA, INFORMATION, REVENUE, PROFITS OR OTHER BUSINESSES OR FINANCIAL BENEFITS) WHETHER UNDER CONTRACT, TORT, NEGLIGENCE, STATUTE, STRICT LIABILITY OR OTHER THEORY EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF YOUR ACCESS OR USE OF THE SERVICES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
B. Warranty Disclaimer
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE", AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, RELATING TO THE SERVICES AND UNDERLYING SOFTWARE OR ANY ASPECT OF THE INFORMATION, CONTENT, OR THE SERVICES. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU.
16. Indemnity
To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless us, our affiliates, and our respective shareholders, members, directors, officers, employees, attorneys, agents, representatives, suppliers and contractors, from and against any and all claims, damages, obligations, losses, liabilities, tort, costs or debt, and expenses (including, but not limited to, attorney's fees) arising from: (a) your use of and access to the Services; (b) any feedback or submissions you provide to us; (c) violation of any Third Party Content (d) your violation of the Terms; or (e) your violation of any law, rule, or regulation, or the rights of any third party.
17. The Limitation on Claims
You agree that any claim you may have arising out of or related to your relationship with us must be filed within one year after such claim arises, otherwise, your claim is permanently barred.
18. Termination
In the event of termination concerning your license to use the Services, your obligations under this Agreement will still continue.
19. Discontinuation of Services
We may, in our sole discretion and without cost to you, with or without prior notice, and at any time, modify or discontinue, temporarily or permanently, any portion of our Services. You are solely responsible for storing outside of the Services a backup. If you do not maintain a backup of your data outside of the Services, you will not be able to access your digital assets. We shall not be held responsible or liable for any loss of digital assets in the event that we discontinue all or any part of the Services.
20. No Waiver
Our failure to exercise or delay in exercising any right, power, or privilege under this Agreement shall not operate as a waiver; nor shall any single or partial exercise of any right, power, or privilege preclude any other or further exercise thereof. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of us. Except as expressly set forth in this Agreement, the exercise by either party of any of its remedies under this Agreement will be without prejudice to its other remedies under this Agreement or otherwise.
21. Severability
If it turns out that any part of this Agreement is invalid, void, or for any reason unenforceable, that term will be deemed severable and limited or eliminated to the minimum extent necessary. The limitation or elimination of the term shall not affect or impair the validity or enforceability of any remaining part of that term, clause or provision or any other terms, clauses or provisions of these Terms.
22. Governing Law
Excluding scenarios where Applicable Law stipulates or offers an alternative, these Terms, inclusive of the arbitration agreement herein, are to be governed by, and interpreted in line with, the laws of Dubai, United Arab Emirates.
23. Force Majeure
We shall not be held liable for any delays, failure in performance, or interruptions of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to: any delay or failure due to any acts of God, acts of civil or military authorities, acts of terrorism, civil or industrial disturbances, blockages, embargoes, war, strikes or other labor disputes, fire, earthquakes, storms or other nature-related events, interruption in electrical telecommunications or Internet services or network provider services, failure of hardware equipment and/or software or other utility failures, smart contract bugs or weaknesses, technological changes, changes in interest rates or other monetary conditions, and, for the avoidance of doubt, changes to any blockchain-related protocol, other catastrophe, or any other occurrences which are beyond our reasonable control, and shall not affect the validity and enforceability of any remaining provisions.
24. Assignment
You agree that we may assign any of our rights and/or transfer, sub-contract, or delegate any of our obligations under these Terms without any notice or consent from you. These Terms will bind and inure to the benefit of the parties, their successors and permitted assigns. Your agreement to these Terms is personal to you and you may not transfer or assign it to any third party.
25. No Third Party Beneficiaries
You agree that, except as otherwise expressly provided in these Terms, there shall be no third party beneficiaries to the Terms.
26. Entire Agreement
This Agreement sets forth the entire understanding and agreement as to the subject matter hereof and supersedes any and all prior discussions, agreements, and understandings of any kind (including, without limitation, any prior versions of the Terms) and every nature between us. Except as provided for above, any modification to these Terms must be in writing and must be signed by both parties.
27. Notices
Any notices or other communications provided by us under these Terms, including those regarding modifications to it will be given by posting to the Website and/or through other electronic communication. You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures that we provide in connection with your account and your use of the Services.
28. Questions or Comments
If you have any questions relating to these Terms, your rights and obligations arising from these Terms and/or your use of our Services or any other matter please send us a message on our contact page.