# Term of Service Welcome to **SurfLayer** (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of the SurfLayer ecosystem — including our website, APIs, decentralized cross-chain protocol, and related services (“Services”). By accessing or using SurfLayer, you acknowledge that you have read, understood, and agreed to be bound by these Terms, as well as our **Privacy Policy**. ### **1. Eligibility** By using SurfLayer, you confirm that: * You are at least 18 years of age, or above the legal age of majority in your jurisdiction. * You have the full legal capacity to enter into binding agreements. * You are not located in, or a resident of, any jurisdiction that is sanctioned or restricted under **OFAC**, **FATF**, or **EU** regulations. * You comply with all applicable local and international laws when using SurfLayer. ### **2. Description of Services** SurfLayer is a next-generation **cross-chain swap and interaction protocol** that enables users to perform **fast, secure, and low-cost digital asset transfers** and on-chain actions across heterogeneous blockchain networks. #### **Key Features** * **Smart Contract-Free Architecture:** Reduces security risks by minimizing contract dependency. * **Ultra-Fast Execution:** Swaps and interactions complete in under one minute under optimal conditions. * **Low Fees:** Dynamic routing and optimization ensure the lowest transaction costs possible. * **Liquidity Independence:** SurfLayer maintains its own liquidity reserves, ensuring user funds remain fully under their control. * **Transfer Limits:** Built-in thresholds protect users from excessive risk and authorization exposure. ### **3. Wallet Connection & Usage** * Users may connect Web3 wallets (e.g., **MetaMask**, **WalletConnect**, **Ledger**) to interact with SurfLayer’s on-chain protocol. * SurfLayer is strictly **non-custodial** — users retain full control over their wallets, private keys, and digital assets. * Users are solely responsible for verifying transaction details before signing or confirming any on-chain action. * SurfLayer never requests or stores private keys, seed phrases, or wallet passwords. ### **4. Social & Third-Party Account Connections** Certain SurfLayer features (e.g., **quests, waitlists, referral programs**) may require linking third-party accounts such as **X (Twitter)**, **Discord**, or **Gmail** for identity verification or participation tracking. * These integrations are used **solely for authentication and engagement verification purposes**. * SurfLayer does **not collect, store, or process personal information** (such as names, emails, contacts, or messages) from these platforms. * No data beyond minimal verification tokens is retained, and SurfLayer does not gain access to any private content from your connected accounts. ### **5. Transaction Fees & Limits** * All protocol fees are displayed transparently before each transaction or interaction. * Transaction limits may be applied to minimize exposure during periods of network instability. * **Blockchain gas fees** are independent of SurfLayer and cannot be modified or influenced by the platform. ### **6. User Responsibilities** By using SurfLayer, you agree to: * Use the protocol at your own risk and discretion. * Secure your wallet credentials, private keys, and recovery phrases. * Access SurfLayer only through official and verified domains. * Comply with applicable blockchain, AML/CTF, and financial regulations. * Refrain from any fraudulent, deceptive, or illegal activity while using the platform. ### **7. Usage Restrictions** You are prohibited from: * Violating local or international laws or regulations. * Attempting unauthorized access, reverse engineering, or exploiting SurfLayer systems. * Using SurfLayer for **money laundering, terrorism financing, sanctions evasion, or illicit asset transfers**. * Interfering with, disrupting, or degrading the performance of SurfLayer’s Services or networks. ### **8. Limitation of Liability** To the maximum extent permitted by applicable law: * SurfLayer is not liable for any direct, indirect, incidental, or consequential losses resulting from blockchain network failures, token volatility, forks, or third-party vulnerabilities. * SurfLayer’s total cumulative liability shall not exceed the total protocol fees paid by the user within the preceding **90 days**. ### **9. Disclaimers** SurfLayer is provided on an **“AS IS”** and **“AS AVAILABLE”** basis. * We make no representations or warranties regarding transaction success, uptime, or market stability. * Users assume full responsibility for technical and financial risks, including slippage, delays, or gas fee fluctuations. ### **10. Tax Obligations** Users are solely responsible for understanding and fulfilling any tax obligations arising from their use of SurfLayer. SurfLayer does not provide tax, accounting, or financial advice and does not report transactions on behalf of users. ### **11. Governing Law & Dispute Resolution** * **Jurisdiction:** Singapore * **Dispute Resolution:** Binding arbitration under the **Singapore International Arbitration Centre (SIAC)** Rules. * **Governing Law:** These Terms are governed by and construed in accordance with the laws of the **Republic of Singapore**. ### **12. Modifications** SurfLayer reserves the right to modify or update these Terms at any time. Users will be notified through official channels, and continued use of SurfLayer after such updates constitutes acceptance of the revised Terms. ## **Privacy Policy (Summary)** * SurfLayer collects **minimal non-sensitive data**: wallet addresses, transaction metadata, and device analytics. * Social logins (e.g., X, Discord, Gmail) are used only for **verification and engagement tracking** — no personal data is harvested. * SurfLayer never stores private keys, emails, or identifiable personal information. * All communications are encrypted, and data is retained only as long as required for operational or legal compliance. For detailed information, please refer to the **full Privacy Policy** section of this document. ### **Final Disclaimer** By using SurfLayer, you acknowledge and agree that: * You understand the inherent risks of decentralized cross-chain interactions. * You are solely responsible for managing your digital assets, private keys, and security practices. * SurfLayer functions solely as a **technology provider**, not as a financial advisor, broker, or custodian. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.surflayer.xyz/policy/term-of-service.md?ask= ``` The question should be specific, self-contained, and written in natural language. 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