Terms of Use

Last updated: January 2026

These Terms of Use (the "Terms") govern your access to and use of the website hecto.finance and any related pages, applications, interfaces, or services (collectively, the "Site") operated by Hecto ("Hecto", "we", "our", or "us").

By accessing or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not access or use the Site.

1. Eligibility

You represent and warrant that:

• you are at least 18 years old (or the age of majority in your jurisdiction);
• you have the legal capacity to enter into these Terms;
• your use of the Site does not violate any applicable laws or regulations.

The Site is not intended for use by persons located in jurisdictions where such access or use would be unlawful.

2. Nature of the Site and No Investment Advice

The Site is provided for informational and technological purposes only. Nothing on the Site constitutes:

• investment advice,
• financial advice,
• legal or tax advice,
• an offer, solicitation, or recommendation to buy or sell any securities, tokens, or financial instruments.

Any references to digital assets, tokens, indices, or private companies are provided solely to describe the functionality or vision of the Hecto platform and should not be relied upon as a basis for investment decisions.

You are solely responsible for assessing the merits and risks of any transaction and for obtaining independent professional advice where appropriate.

3. No Offer or Solicitation

Accessing the Site does not constitute an offer or solicitation to sell or purchase any financial product or service in any jurisdiction where such offer or solicitation would be unlawful.

Any future products, tokens, or services described on the Site may be subject to additional terms, eligibility requirements, regulatory approvals, or geographic restrictions.

4. User Obligations

When using the Site, you agree that you will not:

• violate any applicable law or regulation;
• use the Site for fraudulent, deceptive, or unlawful purposes;
• interfere with or disrupt the operation or security of the Site;
• attempt to gain unauthorised access to any systems or data;
• copy, modify, reverse engineer, or exploit the Site except as expressly permitted by law.

5. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, trademarks, software, interfaces, and design elements, is owned by or licensed to Hecto and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Site for personal, non-commercial purposes only.

6. Third-Party Services and Links

The Site may contain links to third-party websites, tools, wallets, or services. Hecto does not control and is not responsible for the content, availability, or practices of such third parties.

Your use of third-party services is at your own risk and subject to their respective terms and policies.

7. No Warranties

The Site is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, Hecto disclaims all warranties, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

We do not warrant that the Site will be uninterrupted, error-free, secure, or free from bugs or vulnerabilities.

8. Limitation of Liability

To the maximum extent permitted by law, Hecto and its founders, affiliates, contributors, and service providers shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including loss of profits, data, or opportunities, arising out of or in connection with:

• your access to or use of the Site;
• reliance on any information provided on the Site;
• any third-party services or content.

Your sole remedy for dissatisfaction with the Site is to stop using it.

9. Assumption of Risk

You acknowledge that:

• digital assets and blockchain-based systems involve significant risks;
• regulatory frameworks for digital assets are evolving and uncertain;
• smart contracts and software may contain vulnerabilities.

You assume full responsibility for all risks associated with your use of the Site and any related technologies.

10. Indemnification

You agree to indemnify and hold harmless Hecto and its affiliates from and against any claims, damages, losses, liabilities, and expenses arising out of your breach of these Terms or misuse of the Site.

11. Modifications to the Terms

We may update or modify these Terms from time to time. Any changes will be effective upon posting on the Site. Your continued use of the Site after such changes constitutes acceptance of the updated Terms.

12. Termination

We reserve the right to suspend or terminate your access to the Site at any time, without notice, if we reasonably believe that you have violated these Terms or applicable law.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict-of-law principles.

Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Contact Information

For any questions regarding these Terms, please contact us at:

Email: legal@hecto.finance

By using the Site, you acknowledge that you have read, understood, and agreed to these Terms of Use.