Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you") and BridgeFlow ("we", "us", "our") governing your use of the BridgeFlow web application, smart contracts, and related services (collectively, the "Service").

These Terms are supplemented by our Privacy Policy and Cookie Policy, which are incorporated by reference.

BridgeFlow is a non-custodial DeFi yield optimisation protocol deployed on the Polygon blockchain. The Service enables users to:

• Deposit USDC into a smart contract vault (the "Vault") and receive bfUSDC shares representing their proportional interest
• Earn yield generated by the Vault deploying deposits across multiple lending protocols (Aave V3, Compound V3, Spark, Morpho)
• Redeem bfUSDC shares for USDC at any time, subject to protocol conditions
• View analytics and transparency data about protocol performance and fee collection
• Bridge USDC across supported blockchains via CCTP (Circle Cross-Chain Transfer Protocol)

The Vault's allocation decisions are automated by an AI optimizer using Chainlink Functions and public APY data from DeFi Llama. Rebalancing between protocols occurs automatically without human intervention.

3.1 Age requirement

You must be at least 18 years old (or the age of legal majority in your jurisdiction) to use the Service. By using the Service you represent and warrant that you meet this requirement.

3.2 Jurisdictional restrictions

You represent that your use of the Service does not violate any laws applicable to you, including those relating to financial services, money transmission, securities, or anti-money laundering. You are solely responsible for determining whether your use is lawful in your jurisdiction.

3.3 Sanctions compliance

The Service is not available to individuals or entities that are subject to sanctions administered by the US Office of Foreign Assets Control (OFAC), the EU, the UN, or any other applicable sanctions authority. By using the Service you represent that you are not a sanctioned party.

You are solely responsible for the security of your wallet, private keys, and seed phrase. BridgeFlow cannot recover your funds if you lose access to your wallet. BridgeFlow cannot reverse, cancel, or modify transactions once they are submitted to the blockchain.

When you deposit USDC, you receive bfUSDC shares. These shares represent your proportional claim on the Vault's assets. The value of these shares fluctuates based on the yield earned by the Vault and any performance fees collected.

BridgeFlow is not a bank, financial institution, or money services business. Deposits into the Vault are not protected by any government deposit insurance scheme (such as FDIC or FSCS).

By using the Service, you acknowledge and accept the following risks:

5.1 Smart contract risk

Smart contracts may contain bugs, vulnerabilities, or exploits that were not identified during development or auditing. A successful exploit could result in partial or total loss of funds held in the Vault.

5.2 Protocol risk

The Vault deploys funds to third-party protocols (Aave V3, Compound V3, Spark, Morpho). Each of these protocols carries its own smart contract risk, governance risk, and oracle risk. A failure in any integrated protocol could result in loss of funds allocated to it.

5.3 Market and liquidity risk

The value of USDC may depeg from its intended $1.00 peg. Liquidity in integrated protocols may be insufficient to process withdrawals at any given time. APY figures are variable and are not guaranteed.

5.4 Regulatory risk

The regulatory treatment of DeFi protocols varies by jurisdiction and is evolving rapidly. Future regulation could affect the availability of the Service, the value of digital assets, or the legality of your use of the Service.

5.5 Oracle and automation risk

The AI optimizer relies on Chainlink Functions and external APY data from DeFi Llama. Incorrect, delayed, or manipulated data could cause the Vault to make suboptimal allocation decisions.

5.6 Network risk

The Polygon network may experience congestion, downtime, forks, or other disruptions that affect your ability to deposit, withdraw, or interact with the Vault.

BridgeFlow charges a performance fee on yield earned. The current fee rate is recorded in the Vault smart contract and is publicly readable at any time. There are no deposit fees, withdrawal fees, or management fees on principal.

The performance fee is collected at the time yield is harvested from the active lending protocol. It is deducted from harvested yield, not from your principal or your share count.

BridgeFlow reserves the right to adjust the performance fee rate. Any change will be recorded on-chain and will take effect only after the Vault's timelocked governance delay has elapsed. Users will be notified via the application and community channels prior to any fee change.

Gas fees required to execute transactions on the Polygon network are paid by you and are not controlled by BridgeFlow. Automated rebalancing gas costs are covered by the protocol.

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws or regulations
• Attempt to manipulate, exploit, or attack the Vault smart contracts or any integrated protocol
• Use automated systems, bots, or scripts to interact with the Service in ways that degrade performance or circumvent controls
• Attempt to gain unauthorised access to any part of the Service or its underlying infrastructure
• Use the Service to launder funds derived from criminal activity
• Impersonate BridgeFlow, its contributors, or any other person or entity
• Misrepresent your eligibility to use the Service
• Circumvent any technical measures we implement to enforce these Terms

Violation of these prohibitions may result in your wallet address being blocked from the application interface. Smart contract interactions cannot be blocked at the contract level, but the web interface may restrict access.

9.1 Our IP

The BridgeFlow web application, brand, documentation, and associated content are owned by BridgeFlow and protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

9.2 Smart contracts

The BridgeFlow smart contracts are open-source. Their source code is published and may be reviewed, forked, and used in accordance with their applicable open-source licence. Open-source use does not convey any rights to the BridgeFlow brand, trademark, or domain.

9.3 Your licence to use the Service

Subject to your compliance with these Terms, BridgeFlow grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your personal, non-commercial purposes.

This limitation applies regardless of the theory of liability (contract, tort, strict liability, or otherwise) and even if BridgeFlow has been advised of the possibility of such damages.

In jurisdictions that do not allow the exclusion or limitation of certain damages, our liability is limited to the maximum extent permitted by law. In no event shall our total aggregate liability exceed the amount of fees you have paid to the protocol in the twelve months prior to the claim.

You agree to indemnify, defend, and hold harmless BridgeFlow and its contributors, developers, officers, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to:

• Your breach of these Terms
• Your violation of any applicable law or regulation
• Your violation of any third-party rights
• Your use of the Service in any manner not authorised by these Terms

These Terms shall be governed by and construed in accordance with applicable law. Given the decentralised and borderless nature of the Service, BridgeFlow does not assert a specific governing jurisdiction. Users are responsible for compliance with the laws of their own jurisdiction.

Any dispute arising from these Terms that cannot be resolved informally should be submitted to binding arbitration before a mutually agreed arbitral body, with proceedings conducted in English. Class action and jury trial rights are waived to the maximum extent permitted by applicable law.

We may update these Terms at any time. When we do, we will update the "Last updated" date at the top of this page. For material changes — particularly those that affect your financial rights or obligations — we will post a prominent notice on the application homepage at least 14 days before the change takes effect.

Continued use of the Service after updated Terms are posted constitutes your acceptance of the revised Terms. If you disagree with any update, you should withdraw your funds and stop using the Service before the effective date of the change.

Questions about these Terms can be directed to us via:

• GitHub: open an issue at the BridgeFlow repository
• Community channels listed on the BridgeFlow homepage