Terms and Conditions

By creating an account, connecting a wallet, minting a Digital Identity NFT, or otherwise using Convexo Protocol services, you confirm that you have read, understood, and agree to these Terms, our Privacy Policy, and any additional guidelines or rules posted on our platform. These Terms may be updated periodically, and your continued use constitutes acceptance of any changes.

To use Convexo Protocol services, you must meet the following eligibility requirements:

• Be at least 18 years of age
• Have legal capacity to enter into binding contracts in your jurisdiction
• Not be a resident or citizen of a jurisdiction subject to comprehensive OFAC sanctions (including Cuba, Iran, North Korea, Syria, and the Crimea region)
• Not be listed on any government sanctions list or classified as a Politically Exposed Person (PEP) without prior disclosure
• Be acting on your own behalf or be duly authorized to act on behalf of a legal entity
• Have successfully completed the required verification tier for the services you wish to access

Convexo Protocol provides a suite of institutional DeFi services built on blockchain infrastructure. Our services include:

• Digital Identity (NFTs): Progressive KYC/KYB verification with Convexo Passport (Tier 1), LP NFTs for individuals and businesses (Tier 2), and E-Credit NFT for credit-scored businesses (Tier 3)
• Digital Asset Treasury: Swaps via Uniswap V4 compliant liquidity pools, local stablecoin monetization via Chainlink CCIP, and OTC trading services
• Tokenized Corporate Bonds: Access to international funding through blockchain-based corporate bond issuance for verified business clients
• E-LOANS: Electronic credit and contract services using EIP-4626 vaults with minimum 12% APY, requiring Tier 3 verification
• Real Estate Vaults: Tokenized fractional real estate investment products requiring Tier 2 verification
• P2P-AI: AI-powered peer-to-peer marketplace with automated escrow via Telegram, requiring Tier 1 verification
• Local Stablecoins: ECOP (Colombian Peso stablecoin) and other LATAM-focused stablecoins

Access to certain services requires successful completion of our identity verification process. You agree to:

• Provide accurate, current, and complete information during the verification process
• Promptly update your information if it changes
• Submit genuine, unaltered documents for identity verification
• Consent to biometric processing by our third-party providers (Veriff for individuals, Sumsub for businesses) for KYC/KYB purposes
• Allow us to perform ongoing monitoring for AML and sanctions compliance
• Understand that false information may result in immediate account termination and may be reported to relevant authorities
• Accept that verification decisions are final and subject to our compliance policies

Using Convexo Protocol involves significant financial and technological risks. By using our services, you acknowledge and accept the following risks:

• Cryptocurrency and digital asset values can be highly volatile and you may lose part or all of your investment
• Smart contract code may contain bugs or vulnerabilities; we conduct audits but cannot guarantee complete security
• Blockchain transactions are irreversible; errors in wallet addresses or transaction parameters cannot be reversed
• Regulatory changes may affect the availability of our services in your jurisdiction
• DeFi protocols may be subject to exploits, flash loan attacks, or liquidity crises beyond our control
• Local stablecoins (including ECOP) are subject to smart contract risk, oracle failure, and market risks
• Cross-chain operations via Chainlink CCIP may experience delays or failures
• AI-generated credit scores are tools for evaluation and do not constitute financial advice or guarantee funding approval

You may not use Convexo Protocol services for any unlawful or prohibited purpose. The following activities are strictly forbidden:

• Money laundering, terrorist financing, or any activity in violation of AML/CTF laws
• Sanctions evasion or transacting with sanctioned individuals or entities
• Market manipulation, wash trading, or any form of deceptive trading
• Creating fake identities or providing fraudulent documents for verification
• Using our platform to facilitate tax evasion
• Attempting to hack, exploit, or disrupt our smart contracts or platform infrastructure
• Using automated bots or scripts to access our services without prior written consent
• Reselling or white-labeling our services without an executed partnership agreement

Convexo Protocol charges fees for certain services. All fees are disclosed prior to transaction confirmation and are subject to change with notice.

• OTC Trading: 1.5% fixed spread over market price
• Uniswap V4 Swaps: 0.3% swap fee on compliant liquidity pool transactions
• P2P-AI: 0.1% commission on all trades processed through the AI agent
• NFT Minting: Gas fees applicable on the respective blockchain network (Base, Ethereum, or UniChain)
• E-LOANS: Interest rates are set by the loan creator with a minimum APY of 12%
• All fees are non-refundable once a transaction has been confirmed on-chain
• Gas fees paid to blockchain networks are outside our control and may vary significantly

All content, software, smart contract code, and materials on the Convexo Protocol platform are owned by or licensed to Convexo Protocol SAS and are protected by intellectual property laws.

• The Convexo Protocol brand, logo, and trademarks are proprietary to Convexo Protocol SAS
• Our smart contract code on GitHub is available under the applicable open-source license
• You may not reproduce, distribute, or create derivative works from our proprietary materials without written permission
• NFTs minted through our platform grant you ownership of the token; they do not transfer intellectual property rights in associated content

Convexo Protocol provides infrastructure and tools; we do not provide financial, investment, legal, or tax advice. Our services are provided 'as is' and 'as available' without warranties of any kind.

• We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose
• AI-powered credit scores are informational tools and do not constitute financial advice
• Past performance of any asset or product on our platform does not guarantee future results
• We do not guarantee continuous or uninterrupted access to our services
• We are not responsible for losses caused by third-party service failures, blockchain network issues, or force majeure events

To the maximum extent permitted by applicable law, Convexo Protocol SAS, its directors, officers, employees, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or digital assets. Our total aggregate liability to you for any claims arising from use of our services shall not exceed the fees you paid to us in the three months preceding the claim. Some jurisdictions do not allow these limitations; in such cases, liability is limited to the maximum extent permitted by law.

You agree to indemnify, defend, and hold harmless Convexo Protocol SAS and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising from your use of our services, violation of these Terms, infringement of third-party rights, or provision of false or misleading information during verification.

These Terms are governed by the laws of the Republic of Colombia. For any disputes arising from these Terms or your use of our services:

• We encourage you to first contact us at legal@convexo.xyz to resolve disputes informally
• If informal resolution fails, disputes will be submitted to binding arbitration in Cali, Colombia under the rules of the Colombian Chamber of Commerce
• For users located in the European Union, mandatory consumer protection laws of your country of residence may also apply
• Class action waivers: to the extent permitted by law, you waive the right to participate in class action lawsuits against Convexo Protocol

We reserve the right to suspend or terminate your access to Convexo Protocol services at any time, with or without notice, for any of the following reasons:

• Violation of these Terms or our Acceptable Use Policy
• Failure to pass or maintain KYC/KYB verification requirements
• Detection of fraudulent, illegal, or suspicious activity on your account
• Compliance with a legal order or regulatory requirement
• Extended inactivity of your account (more than 24 months)
• Upon termination, your access to platform features will be revoked; however, NFTs in your wallet and on-chain assets remain under your custody

We may revise these Terms from time to time. We will provide at least 14 days' notice of material changes via email or prominent in-platform notification. The updated Terms will be effective on the date specified in the notice. If you do not agree to the revised Terms, you must stop using our services before the effective date. Continued use after the effective date constitutes acceptance of the revised Terms.

For questions, concerns, or legal notices regarding these Terms, please contact us through the following channels:

• Legal inquiries: legal@convexo.xyz
• General support: hello@convexo.xyz
• WhatsApp: +57 318 6766035
• Telegram: @convexoprotocol
• Registered address: Calle 36 #128-321, Zona Franca Zonaamerica, Cali, Valle del Cauca, Colombia