Terms of Service
1. Acceptance of Terms
By accessing or using Coinlateral’s services, you - the “user”, “users” - acknowledge that have read, understood, agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use Coinlateral’s services.
2. Service Purpose
Coinlateral provides tools and insights solely for informational and educational purposes.
The content provided does not constitute financial advice but is intended to offer informational and technical support to users exploring Bitcoin lending platforms.
Coinlateral is not a lending platform, a financial advisory company, or a financial intermediary.
Coinlateral serves as an aggregator and finder of third-party lending services, designed to support users in their learning and to facilitate informed, independent decision-making.
3. Website Features
Finder Tool
The Finder tool allows users to explore lending platforms by category, providing an overview of their features and the broader market.
By selecting the “Personalized Search” option, users can filter platforms based on specific parameters. Search results are generated based on user-selected preferences and presented as informational summaries compiled from publicly available information about the aggregated platforms.
No Personalized Financial Advice
Coinlateral does not provide personalized financial advice in any form.
Impartiality
Platform listings are not influenced by commercial agreements or preferences. Platforms that meet user-selected criteria are displayed in alphabetical order.
Information provided in platform summaries, accessible via the “Learn More” link, is presented neutrally, using only publicly available data from the platforms. Subjective evaluations, value-laden adjectives, and promotional content are removed for clarity and objectivity.
No Assignment of Rating Scores
Coinlateral does not assign ratings or rankings to listed platforms. The Finder tool is strictly a search tool, not a ranking or rating system, designed to support users in making informed decisions. Users are encouraged to verify information by visiting the platforms’ websites directly.
Information Updates
Coinlateral strives to keep published information up to date but cannot guarantee real-time accuracy. Users are responsible for verifying information on the platforms’ websites upon redirection.
Dual Collateralization Section
This section of the website, currently introductory, aims to provide educational content about credit products for homeowners or prospective homeowners, integrating digital assets, specifically Bitcoin, into real estate financing (e.g., mortgages or lines of credit).
Coinlateral plans to monitor and list products in the Finder tool that combine real estate and digital assets as collateral for financing.
Credit Strategies Section
This section offers educational content on credit strategies to help users approach lending strategies responsibly and securely.
The content aims to inform users about the objectives of various lending strategies while encouraging them to consult financial advisors to analyze their personal circumstances, adapt strategies, and implement them.
Coinlateral emphasizes that its activities are strictly educational, aligning with its mission to enhance users’ knowledge and empower independent financial decision-making in the domain of digital asset-collateralized lending.
4. Risk Disclosure
Limitation of Liability
Coinlateral provides informational and educational tools to assist users in exploring third-party Digital Assets lending platforms. Coinlateral shall not be liable for any financial losses, damages, or other consequences arising from the use of, or reliance on, the lending platforms listed on Coinlateral’s website. Users acknowledge that their engagement with these platforms is at their sole discretion and risk, and Coinlateral bears no responsibility for any outcomes, including but not limited to financial losses or cybersecurity incidents, resulting from such use.
Coinlateral is not a lending platform, financial advisory company, or financial intermediary and does not collect or store users’ personal financial data that could expose them to cybersecurity risks or fraud.
Digital Asset Collateralized Lending Risks
Using the lending platforms listed on Coinlateral involves financial and cybersecurity risks.
Coinlateral’s informational activities aim to highlight risks associated with platform use by including a dedicated risk section in each platform’s informational summary, covering both specific and general risks. Users are encouraged to fully understand these risks before engaging with any platform.
5. Revenue Model Disclosure
In its current launch and development phase, Coinlateral provides its informational services free of charge and does not offer paid services.
Users who wish to support the project may do so transparently by using referral links or codes for registration on platforms with referral programs. Platforms with referral programs are not highlighted or prioritized over those without such programs.
6. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of [User State], without regard to its conflict of law provisions.
7. Jurisdictional Restrictions
The lending platforms linked by Coinlateral may be subject to jurisdictional restrictions. While Coinlateral provides a dedicated field detailing the eligibility criteria and geographic limitations of these platforms, it is the user’s responsibility to independently verify this information directly on the platform’s website.
Users assume full responsibility for ensuring their use of the platform’s services complies with the laws and regulations of their respective jurisdiction.
8. Prohibited Conduct
User agrees not to:
- Use Coinlateral’s Services for any illegal purpose or in violation of any local, state, national, or international law
- Violate or attempt to violate Coinlateral’s security measures
- Impersonate another person or entity
- Use automated means, including spiders, robots, crawlers, or data mining tools, to access Coinlateral’s Services.
9. Intellectual Property
All content, features, and functionality of Coinlateral’s Services, including but not limited to text, graphics, logos, icons, images, clips, data compilations, and software, are the exclusive property of Coinlateral and are protected by copyright, trademark, and other intellectual property laws.
10. Coinlateral Organization and Contacts
Coinlateral is a startup project based in Switzerland. The team operates remotely from various geographic regions. The founder and project lead can be contacted via email through the contact page or by scheduling a meeting at the address provided:
- Startup Space Zürich - Wiesenstrasse 10A, 8952 Schlieren.
- PoW.space Lugano - Contrada di Sassello 10, 6900 Lugano.
11. Modifications to the Terms of Service
Coinlateral reserves the right to modify or update these Terms of Service at its discretion to reflect changes in our services, legal requirements, or operational practices. Users will be informed of any material changes through a prominent notice on the Coinlateral website or, where applicable, via email to registered users. Continued use of Coinlateral’s services following the posting of updated Terms of Service constitutes acceptance of those changes. Users are encouraged to review this page periodically to stay informed of any updates.
12. Acknowledgment
By accessing or using Coinlateral’s services, the user confirms that the user has reviewed these terms of service, understands their content, and agrees to comply with them. If the user does not understand or does not accept these terms of service, the user must immediately stop using the services.
