‍Introduction
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Welcome to Sivo DeFi. By accessing or using our services, you agree to comply with and be bound by the following terms and conditions ("Terms"). These Terms govern your use of the Sivo DeFi platform, including our website, services, and interaction with our AI systems. If you do not agree to these Terms, please do not use our services.

Definitions
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"Sivo DeFi" refers to the decentralized financial services platform that provides originators, borrowers, capital sources, and developers with the tools to participate in and build on the Sivo DeFi ecosystem. "User" refers to anyone who accesses or uses our services, including originators, capital sources, and developers. "Originator" refers to an individual or entity that joins our waitlist. "Borrower" refers to an individual or entity that exchanges credit for a portion of their future sales, that joins our waitlist. "Capital Source" refers to an individual or entity that provides capital to the network and participates in the Sivo DeFi platform. "Developer" refers to an individual or entity that builds, extends, or maintains applications within the Sivo DeFi ecosystem. "SVO" refers to the network's governance token. "NCT" refers to Network Credit Tokens issued by the protocol.

Eligibility
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To use Sivo DeFi, you must meet the following criteria: You must be at least 18 years old or the legal age in your jurisdiction. If you are acting on behalf of a company, you must have the authority to bind the company to these Terms. You must comply with all applicable laws and regulations in your jurisdiction. For capital sources, you must be an accredited investor as defined by the laws in your jurisdiction.

Services Provided
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Capital sources provide funds to capital pools, which are used to purchase receivables and finance various activities within the Sivo DeFi network. Capital sources earn interest and SVO rewards based on their participation. Capital sources can deposit funds into various capital pools, and these funds are used to finance network activities, such as purchasing receivables.

Capital sources receive interest on their deposits and may also earn SVO tokens as rewards.Capital sources earn SVO rewards based on the interest generated from the capital they provide. These rewards are distributed proportionally to the capital contributed and the interest earned. Capital sources must actively claim their SVO tokens through the user interface or smart contract interaction. Capital sources can request to withdraw their funds from the capital pools, subject to the network's withdrawal policies and the availability of liquidity. Capital sources must comply with all applicable financial regulations and ensure they meet the accreditation requirements in their jurisdiction.

Developer Participation
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Developers can build on and extend the Sivo DeFi platform, contributing to the ecosystem by creating new applications, integrating regional infrastructure, and expanding the network’s capabilities. Developers are provided with limited access to Sivo DeFi’s developer documentation, which includes basic API endpoints and integration guides. This documentation will continue to expand as the platform grows, offering more comprehensive resources for developers.

Developers are encouraged to collaborate with the Sivo DeFi community, sharing insights through platforms like Discord and contributing to the network’s growth. Developers should also familiarize themselves with Sivo DeFi's licensing terms and any other legal obligations related to their development activities on the platform.

Joining the Waitlist
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Individuals or entities interested in becoming originators or capital sources on the Sivo DeFi platform can join a waitlist by providing their first name, last name, phone, and email address. Once the originator feature is live, those on the waitlist will be contacted with further instructions on how to participate in the Sivo DeFi network.

Fees and Payments
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Fees for using the Sivo DeFi platform may include transaction fees, fees associated with credit, and endpoint leasing fees. All fees are payable in SVO or may be converted from other payment methods.

Risk Disclosure
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Using Sivo DeFi involves various risks, including but not limited to market volatility affecting token prices and investment returns, regulatory risks associated with decentralized finance, and the potential for losses due to liquidity constraints or other unforeseen events. Users are encouraged to carefully consider these risks before participating in the platform.

Limitation of Liability
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Sivo DeFi, its affiliates, and its service providers will not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to loss of profits, data, or other intangible losses. This includes damages resulting from your use or inability to use the platform, any changes made to the platform or any temporary or permanent cessation of the services, unauthorized access to or alteration of your transactions or data, statements or conduct of any third party on the platform, or any other matter relating to the platform. Your use of the platform is at your sole risk. The platform is provided on an "as is" and "as available" basis.

Dispute Resolution and Governing Law
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In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the use of the Sivo DeFi platform, the parties agree to first attempt to resolve the issue through mediation. Mediation will be conducted by a neutral third-party mediator agreed upon by both parties. The costs of mediation will be shared equally by the parties. If mediation fails to resolve the dispute, the matter shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America. Any disputes arising from these Terms shall be resolved in the courts of Delaware.

Security and Data Privacy
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We are committed to protecting your personal data. Please refer to our Privacy Policy for details on how we collect, use, and protect your information.Termination
Sivo DeFi reserves the right to suspend or terminate your access to the platform at our discretion, particularly if you violate these Terms or engage in activities that threaten the integrity of the platform.

Amendments to Terms
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We may update these Terms from time to time to reflect changes in our services or legal requirements. We will notify you of any significant changes by posting the new Terms on our website.

Contact Information
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If you have any questions or concerns about these Terms of Services, please contact us at support@sivo.xyz or interact with our AI, Poe, at Sivo.xyz or via supported channels. Poe will assist you and open a support ticket with the human team at Sivo.