Terms of Service

These Terms govern your use of the YouFi closed-alpha website and service at youfi.io, operated by YouFi Ltd, a company registered in England and Wales under number 12931597, with its registered office at 57 Westbourne Terrace, Reading, RG30 2RP, United Kingdom ("YouFi", "we", "us"). By using the service, you agree to these Terms.

01About YouFi

YouFi is a software tool that helps users design, backtest, and (in future product phases) paper-trade or sign on-chain transactions for cryptocurrency trading strategies. YouFi is non-custodial: we never hold your funds, your private keys, or your wallet seed.

YouFi is not a broker, dealer, investment adviser, asset manager, money-services business, or any other regulated financial intermediary. We are a software company.

02Eligibility

To use YouFi, you confirm that you are:

• At least 18 years old (or the age of majority in your jurisdiction, whichever is higher)
• Legally able to enter into a binding contract in your jurisdiction
• Not a resident or citizen of any country subject to EU, US, UK, or UN sanctions
• Not using YouFi on behalf of a sanctioned person or entity
• Not prohibited by your local law from using cryptocurrency software

03Alpha access

YouFi is currently in closed alpha. Access is by invitation only and may be revoked by us at any time, with or without cause, with reasonable notice (typically to your registered email address) except where immediate revocation is necessary to protect security, comply with law, or address a material breach of these Terms.

During the alpha:

• The service is provided "as is" and "as available"
• Features may change, break, be removed, or behave differently from documentation
• We may collect more diagnostic data than during production, subject to our Privacy Policy
• Your data and strategies may be lost; export anything you want to keep

04Acceptable use

You will not:

• Reverse-engineer, decompile, or disassemble the service, except to the extent expressly permitted by applicable law (e.g. interoperability research under Article 6 of EU Directive 2009/24/EC)
• Scrape, mirror, or systematically download the service or its content
• Use the service via automation other than the documented public APIs (none are documented at alpha stage)
• Attempt to circumvent rate limits, authentication, or security controls
• Use the service to commit, facilitate, or conceal any unlawful conduct, including market manipulation, fraud, money laundering, or sanctions evasion
• Resell, sublicense, white-label, or redistribute the service without our written permission
• Use the service in any way that could harm minors

05Intellectual property

YouFi and its software, code, designs, content, copy, and trademarks are owned by YouFi Ltd and are protected by UK, EU, and international intellectual property law. These Terms do not transfer any IP rights to you.

We grant you a limited, non-exclusive, non-transferable, revocable licence to use the service for personal, non-commercial purposes during your alpha access. The licence ends when your access ends.

You retain ownership of any trading strategy you create using YouFi. Submitting content (such as a strategy description in the agent chat) grants us a worldwide royalty-free licence to process that content as needed to operate the service — but only for that purpose.

Your email address is personal data, not user-generated content, and is handled under our Privacy Policy.

06Not financial advice

YouFi is an informational and educational software tool. The strategies, backtest results, paper-trading simulations, and AI-generated suggestions you see are produced by software based on inputs you provide. They are not a "personal recommendation" within the meaning of Article 4(1)(4) of MiFID II (Directive 2014/65/EU), nor do they constitute investment advice or arranging deals in investments within the meaning of Articles 53 and 25 of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 (SI 2001/544).

Decisions about whether and how to trade are yours alone. If you need investment, tax, or legal advice, consult a qualified professional in your jurisdiction.

YouFi Ltd is not authorised by the UK Financial Conduct Authority (FCA) and is not registered as a UK cryptoasset firm under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 ("MLR 2017"). We do not provide regulated financial services. See our Risk Notice for more.

07No outcome guarantees

We make no representation, promise, or guarantee about the financial outcome of any strategy you build, backtest, paper-trade, or execute using YouFi.

• Backtests are historical simulations. Past results do not predict future performance.
• Paper-trading is simulated. Real markets behave differently — slippage, latency, gas, liquidity, and counterparty risk are not perfectly modelled.
• Cryptocurrency trading carries the risk of total loss. Prices are volatile and unpredictable.
• Software has bugs. A strategy may behave in unintended ways. Alpha software more so.

See our Risk Notice for a fuller explanation of trading and software risk.

08Disclaimers and warranties

To the maximum extent permitted by English law (and, where you are an EU/EEA consumer, applicable EU consumer law), the YouFi service is provided "as is" and without warranty of any kind, whether express, implied, or statutory, including (without limitation) any implied terms of satisfactory quality, fitness for a particular purpose, accuracy, non-infringement, or availability.

Nothing in these Terms excludes or limits any rights you have:

• As a UK consumer under the Consumer Rights Act 2015 (including statutory rights in respect of digital content under Part 1 Chapter 3)
• As an EU/EEA consumer under Directive 2019/770/EU (digital content and digital services) as implemented in your country of residence
• That cannot lawfully be excluded or limited under any other mandatory law applicable to you

09Limitation of liability

To the maximum extent permitted by law:

• Our total aggregate liability to you arising out of or relating to these Terms or your use of YouFi will not exceed the greater of (a) one hundred pounds sterling (£100) or (b) the total amount you have paid us for the service in the twelve (12) months preceding the event giving rise to liability. Because alpha access is free, the cap is in practice £100.
• We are not liable for indirect, consequential, special, exemplary, or punitive damages, loss of profit, loss of trading opportunity, loss of goodwill, or loss or corruption of data, even if foreseeable.

Nothing in this Section excludes or limits our liability for:

• Death or personal injury caused by our negligence (which cannot be excluded under section 2(1) of the Unfair Contract Terms Act 1977 (UK))
• Fraud or fraudulent misrepresentation
• Gross negligence or wilful misconduct, to the extent excluding such liability would be unenforceable as a matter of English law
• Breach of statutory rights you have as a UK consumer under the Consumer Rights Act 2015, or as an EU/EEA consumer under any mandatory consumer law applicable to you
• Any other liability that cannot lawfully be excluded or limited under applicable law

10Termination

You may stop using the service at any time. You may request account deletion via the contact details in Section 13 or our Privacy Policy.

We may suspend or terminate your access to the service:

• Immediately, if you materially breach these Terms, if continued access would expose us to legal or security risk, or if required by law or court order
• With reasonable notice (typically to your registered email) in all other circumstances, including for product changes or discontinuation

Sections 5 (IP), 6 (Not financial advice), 7 (No outcome guarantees), 8 (Warranties), 9 (Liability), 11 (Law), and 13 (Contact) survive termination.

11Governing law and jurisdiction

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) are governed by the laws of England and Wales. The courts of England and Wales shall have non-exclusive jurisdiction.

For online dispute resolution, EU/EEA consumers may use the EU Commission's ODR platform at ec.europa.eu/consumers/odr. Our contact email address for ODR purposes (as required by Regulation (EU) 524/2013 Art. 14(1) for traders directing services at EU consumers) is [email protected].

12Changes to these Terms

We may update these Terms as the YouFi alpha evolves. Material changes will be notified to you by email (where you have a registered account) or by a notice on youfi.io, in each case at least 14 days before they take effect, unless a faster change is required by law or to address a security risk.

Continuing to use YouFi after a change takes effect means you accept the updated Terms. If you do not accept the updated Terms, stop using the service before the effective date.

13Contact

• General and legal / privacy: [email protected]
• Post: YouFi Ltd, 57 Westbourne Terrace, Reading, RG30 2RP, United Kingdom
• Company number: 12931597 (registered in England and Wales)