These General Conditions of Use ("Terms") govern your access to and use of the Envestir application and website (the "Service"), operated by [Envestir legal entity] ("Envestir", "we", "us"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
These Terms are provided in several languages for convenience. In case of any conflict or ambiguity between versions, the English version prevails and is the legally binding text.
1. What Envestir is — and is not
Envestir provides technology that lets you access on-chain markets for tokenized assets from a self-custodial wallet. Envestir is not a bank, broker-dealer, exchange, money transmitter, investment adviser, or other regulated financial institution, and does not provide investment, legal, or tax advice. Nothing in the Service is a recommendation to buy, sell, or hold any asset. You are solely responsible for your own decisions.
2. Eligibility & restricted regions
You must be at least 18 years old and legally able to enter into these Terms. The Service is not available to, and you may not use it if you are a citizen of, resident of, or located in the United States, Canada, or the European Union, or any jurisdiction where use of the Service would be unlawful. By using the Service you represent and warrant that you are not subject to these restrictions and that your use complies with all laws that apply to you.
3. Your wallet and your responsibility
The Service uses a self-custodial wallet that you alone control through your PIN and login credentials. Envestir never takes custody of your funds and cannot move them without your approval. You are responsible for safeguarding your credentials and for every transaction you approve. Blockchain transactions are irreversible; we cannot reverse, cancel, or recover a transfer once it is submitted, including funds sent to an incorrect address or on the wrong network.
4. Tokenized assets & trading
The Service surfaces tokenized US equities issued by third parties (e.g. Ondo) that settle on the Solana network in USDC. Trades are executed on-chain through third-party liquidity and routing providers (e.g. Jupiter). Prices, availability, and fills are determined by those markets and market makers, not by Envestir, and may differ from the price of the underlying security. Tokenized assets may carry additional risks, including issuer, custody, smart-contract, liquidity, and de-pegging risk.
Minimum amount
The minimum amount per trade is US$5 (or USDC equivalent).
5. Credits
Certain actions in the Service (such as placing a trade or using AI tools) consume credits. Credits are a prepaid, in-app unit used to access features; they have no cash value, are not a currency, deposit, or stored-value instrument, and are non-refundable and non-transferable except as required by law. We may change credit costs prospectively.
6. AI features
The Service may offer AI-generated research, summaries, and analysis produced from live data by third-party models. This content is informational only, may be inaccurate or incomplete, and is not a personalized recommendation. Do not rely on it as the sole basis for any decision.
7. Deposits, withdrawals & fees
You may move USDC into and out of your wallet. Withdrawals send USDC from your self-custodial wallet to an address you provide on the Solana network — verify the address and network carefully. Network fees and any third-party fees may apply and are disclosed in the flow where practicable.
8. Prohibited use
You agree not to use the Service to:
- break any law or sanctions program, or facilitate money laundering;
- circumvent the regional restrictions in Section 2;
- interfere with, probe, or disrupt the Service or its security;
- provide false information or impersonate another person.
9. No warranty
The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not guarantee that the Service will be uninterrupted, secure, or error-free, or that prices, quotes, or data will be accurate.
10. Limitation of liability
To the maximum extent permitted by law, Envestir and its affiliates will not be liable for any indirect, incidental, special, consequential, or exemplary damages, or for any loss of funds, profits, or data arising from your use of the Service, your transactions, third-party providers, or blockchain networks.
11. Changes & termination
We may modify the Service or these Terms at any time. Material changes take effect when posted; your continued use means you accept them. We may suspend or terminate access if you breach these Terms or where required.
12. Governing law & contact
These Terms are governed by the laws of [jurisdiction], without regard to conflict-of-laws rules. Questions about these Terms can be sent to [legal@envestir.example].