The informational website located at palomino.fi (the “Site”), the web interface located at app.palomino.fi (the “Interface”), the documentation located at docs.palomino.fi (the “Documentation”), together with all materials, services, features, media, and community channels made available through them (collectively, the “Services”) are provided by Colt Rider Ltd., a British Virgin Islands company (“Colt Rider”). Colt Rider provides public information and a non-custodial user interface that one may use to interact with the Palomino protocol (the “Protocol”), a decentralized system of autonomous, open-source smart contracts deployed on permissionless blockchain networks such as SagaEVM and any other supported networks. The Protocol is composed exclusively of autonomous, self-executing smart contracts deployed on public blockchain networks. It functions independently of Colt Rider, executing strictly and solely according to its code, without regard to any decisions, actions, or omissions by Colt Rider. Colt Rider does not control, custody, maintain, modify, upgrade, pause, reverse, interfere with, or operate the Protocol in any capacity whatsoever.

The Services and all related information, including but not limited to product descriptions, data, analytics, lending metrics, collateral data, liquidation parameters, rate displays, contract addresses, code references, documentation, media, and content (collectively, “Content”) are provided strictly for informational and educational purposes only. Nothing in the Services constitutes, or shall be construed as, financial, investment, legal, accounting, tax, or other professional advice. Colt Rider does not act as a custodian, broker, dealer, agent, intermediary, manager, fiduciary, or advisor. You are solely responsible for your own independent due diligence and risk assessment.

You expressly acknowledge and agree that interacting with decentralized lending systems, automated interest rate models, collateralized borrowing mechanisms, liquidation engines, and autonomous smart contracts involves substantial, material, and often unpredictable risks. These risks include, without limitation:

• Smart Contract Vulnerabilities: Undiscovered bugs, exploitable logic paths, critical coding errors, latent vulnerabilities, or economic attack vectors may lead to partial or total loss of digital assets.
• Blockchain Network Instability: Underlying networks may experience congestion, outages, reorgs, consensus failures, sequencer downtime, validator misbehavior, or hostile chain conditions that impair Protocol operations.
• Oracle and Pricing Failures: Oracles may exhibit latency, manipulation, downtime, incorrect price reporting, stale data, or front-run exploitable behavior, leading to improper liquidations, inaccurate collateral valuations, or system instability.
• Market Volatility and Liquidity Crises: Collateral assets or borrowed assets may experience extreme volatility, rapid devaluation, or liquidity crises that trigger liquidations or impair user positions.
• Liquidation Risks: Rapid price changes, oracle updates, or collateral impairments may cause instantaneous, automated, and irreversible liquidation of your positions.
• Interest Rate Model Risks: Utilization-based or algorithmic rate models may behave unpredictably under stress, causing sudden rate spikes, liquidity shortages, or cascading deleveraging.
• Cross-Asset and Cross-Chain Risks: Use of multi-asset collateral or interactions across ecosystems may create compounded or interdependent risks, including bridge exploits or collateral misaccounting.
• Governance Risks: Prior to decentralization, contributors may execute governance transactions on a non-fiduciary basis; after TGE, token-holder governance may adopt harmful, malicious, or destabilizing protocol changes. Colt Rider does not control or guarantee governance outcomes.
• Front-Running, MEV, and Sandwich Attacks: Transactions may be reordered in a manner harmful to you, including MEV extraction or sandwiching, affecting execution prices or liquidation timing.
• Interface or Display Errors: APYs, health factors, collateral ratios, utilization rates, liquidation estimates, and other displayed metrics may be inaccurate, delayed, cached, or inconsistent with on-chain reality.
• Data, Analytics, and Telemetry Limitations: Dashboards, health indicators, liquidation projections, and system telemetry may fail to update or reflect incomplete data.
• User Wallet Compromise: Unauthorized access to your self-custodial wallet, loss of private keys, phishing, malware, or compromised devices may lead to irreversible loss of assets.
• Third-Party Dependency Risks: The Services rely on infrastructure such as RPCs, indexers, explorers, oracle networks, and wallet software. Failures of these services may affect your interactions.
• Economic Design Limitations: Interest rate curves, collateral factors, and liquidation incentives may behave differently under stress and produce unanticipated results.
• Regulatory and Legal Risks: Your jurisdiction may restrict access to the Services or interactions with decentralized lending markets.
• Taxation and Reporting Risks: Borrowing, liquidations, and asset transfers may constitute taxable events. Colt Rider does not provide tax guidance.
• No Custody, No Recovery, Irreversible Transactions: Colt Rider does not possess private keys, cannot reverse transactions, cannot freeze assets, cannot recover mis-sent tokens, and cannot intervene in Protocol operations.
• Permanent Asset Loss: Interacting with decentralized lending markets may result in permanent asset loss due to user error, system error, volatility, or malicious exploitation.

By accessing or using the Services or interacting in any manner with the Protocol, you expressly acknowledge and accept all risks described above, all risks set forth in the Terms of Use, and all risks inherent to decentralized blockchain systems generally, whether known or unknown, anticipated or unanticipated. You further agree that you use the Services and the Protocol entirely at your own risk, and that Colt Rider shall have no liability whatsoever for any loss, damage, cost, claim, or adverse consequence arising from or relating to your use of the Services, your interactions with the Protocol, or any matter addressed in the Terms of Use.