This is the testnet version of VaultChain's Terms of Service. It covers the simulation and the testnet demo only. It is written in plain language, not as a substitute for legal advice.
1. The contracting entity
VaultChain is operated by VaultChain Technologies, Inc., a Delaware corporation. References to "VaultChain," "we," or "us" in these Terms mean VaultChain Technologies, Inc. "The protocol" means the VaultChain software and smart contracts, operated by VaultChain Technologies, Inc.
2. Simulation and testnet only
Nothing on this site today involves real money. The dashboard, analytics, marketplace, GhostPay, and every other feature on the simulation side runs on demo data in a database we control. The on-chain demo at demo.vaultchain.finance uses Base Sepolia, a public test network, and test tokens with no real value. No real deposits are accepted anywhere on this site today.
3. No insured accounts
Accounts and balances on VaultChain, testnet or future mainnet, are not insured by any government agency, bank, or third party, and no third party assures their value. There is no deposit insurance of any kind.
4. Provided as is; limitation of liability
The software, the simulation, and the testnet contracts are provided as is, without warranty of any kind, express or implied. We do not promise the software is free of bugs, available at all times, or fit for any particular purpose. To the maximum extent permitted by law, VaultChain Technologies, Inc. is not liable for any loss arising from your use of the software, the simulation, or the testnet contracts. Nothing in these Terms excludes liability for fraud, willful misconduct, or anything that cannot be excluded by law. Where liability is not excluded, VaultChain Technologies, Inc.'s total liability is limited to the greater of one hundred US dollars ($100) and the fees you paid in the prior twelve months.
5. You can lose money
If and when real funds are ever involved, using VaultChain can mean losing some or all of what you put in. This includes smart contract bugs, stablecoin issues, and the other risks described on the Risk page. Nothing on this site is principal-protected.
6. Rewards are not promised
Where this site describes a rewards pool share, that share is variable, can be zero, and is never promised or assured. Past simulation data is not a prediction of anything.
7. Holds and dormancy
Where these Terms or the site describe a fraud hold, it lasts at most 72 hours before settling to the affected party, except where the company must comply with law, a court order, sanctions obligations, or a stablecoin issuer action, in which case funds are handled as the law requires. VaultChain Technologies, Inc.'s fraud system decides when a hold applies. Released funds settle to the recipient on a valid claim, and otherwise to the sender. No dormancy mechanism (a process that could affect an inactive account's funds) is live today. If one ever ships, its rules will appear in these Terms before it does.
8. The Bill of Rights and these Terms
The VaultChain Bill of Rights, shown on the homepage and elsewhere, describes design goals we build toward. Where this document, the Terms, states a specific rule, that rule is binding as written here. The enforceable agreement between you and VaultChain Technologies, Inc. is these Terms.
9. Accounts and eligibility
Creating a simulation account requires an email and a password. You are responsible for keeping your login credentials secure. We may suspend or close accounts used for abuse, fraud, or violation of these Terms. You must be 18 or older to create an account. The simulation holds no real funds regardless of age or location. Mainnet will publish residency rules and restricted jurisdictions before opening, and access may be limited in some states.
10. Governing law and disputes
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. If a dispute arises, we will first try to resolve it informally by contacting each other. If that doesn't resolve it, the dispute will be brought in the state or federal courts located in Delaware.
11. Changes
We may update these Terms as the product changes, especially before any mainnet launch. Material changes will be reflected by updating the version and date at the top of this page, and will also be announced by email to registered users at least 7 days before taking effect.
12. Contact
Questions about these Terms can be sent to support@vaultchain.finance.
Change log
What changed from Version 1.0 to Version 1.1, effective November 13, 2026:
- Section 1: "the protocol" now means the VaultChain software and smart contracts, not a definition equating the protocol with the company.
- Section 4: added liability carve-outs for fraud, willful misconduct, and anything that cannot be excluded by law, and a cap on remaining liability.
- Section 7: added a hold duration, the legal exceptions that override it, who decides when a hold applies, and where released funds go.
- Section 8: added that where these Terms state a specific rule, that rule is binding as written here.
- Section 9: added that mainnet eligibility will include residency rules and that access may be limited in some states.
- Section 11: added email notice to registered users at least 7 days before a material change takes effect.