Terms of Service

SPEEDYTURTLE TERMS OF SERVICE

Last Updated: August 12, 2026
Effective Date: April 1, 2026

These Terms of Service (these “Terms,” “Terms of Service,” or this “Agreement”) constitute a legally binding agreement between you and SpeedyTurtle Labs, LLC, a Florida limited liability company (“SpeedyTurtle,” “Company,” “we,” “us,” or “our”), governing your access to and use of the SpeedyTurtle platform, software, tools, interfaces, and related services.

1. DEFINITIONS AND INTERPRETATION

1.1 Defined Terms

For purposes of this Agreement, the following capitalized terms shall have the meanings set forth below. Defined terms may be used in the singular or plural as the context requires.

“Account” means any account, profile, login credentials, subscription record, referral identifier, or other access mechanism created or maintained by or for a User in connection with the Services.

“Applicable Law” means all applicable international, federal, state, provincial, territorial, and local laws, statutes, ordinances, rules, regulations, directives, orders, sanctions programs, regulatory guidance, and governmental requirements, including without limitation those relating to financial services, securities, commodities, derivatives, consumer protection, data protection, privacy, sanctions, anti-money laundering, and counter-terrorist financing.

“Blockchain” means a distributed, decentralized, public or permissionless ledger or similar technology, including any network, protocol, consensus mechanism, or smart contract system.

“Digital Asset” means any cryptographic, blockchain-based, or distributed-ledger-based digital representation of value or rights, including cryptocurrencies, tokens, stablecoins, utility tokens, governance tokens, NFTs, or similar assets, whether now known or later developed.

“Eligible Jurisdiction” means a jurisdiction in which (a) your access to and use of the Services is permitted under Applicable Law, (b) such access does not require SpeedyTurtle to obtain any license, registration, authorization, or regulatory approval it does not hold, and (c) such access does not expose SpeedyTurtle to sanctions, enforcement risk, or regulatory obligations inconsistent with its business model.

“Non-Custodial” means that SpeedyTurtle does not take beneficial ownership of Digital Assets or use Wallet credentials or transaction authority for its own account. Wallet and key operations performed through a Key Infrastructure Provider occur under instructions authorized by the User, including automated strategy rules the User activates.

“Services” means all non-custodial software tools, applications, interfaces, bots, APIs, extensions, analytics, dashboards, documentation, content, and functionality made available by SpeedyTurtle, whether via web, mobile, browser extension, messaging platform, API, or otherwise.

“User,” “you,” or “your” means any individual or entity that accesses or uses the Services, whether directly or indirectly.

“Wallet” means a self-custodied digital wallet or account, controlled exclusively by you, that enables interaction with Blockchains or smart contracts.

“Key Infrastructure Provider” means a third-party service (such as Turnkey) that supports Wallet creation, recovery, cryptographic key management, and transaction signing under user-authorized instructions.

1.2 Interpretation

Unless the context otherwise requires:

• headings are for convenience only and do not affect interpretation;
• the words “include,” “includes,” and “including” are deemed to be followed by “without limitation”;
• references to statutes include amendments and successor provisions;
• references to “days” mean calendar days unless otherwise specified.

2. ACCEPTANCE OF TERMS; ELECTRONIC CONSENT

2.1 Binding Agreement

By accessing, browsing, installing, connecting to, or otherwise using any portion of the Services, you affirmatively acknowledge that you have read, understood, and agree to be bound by this Agreement, including the Privacy Policy, Risk Disclosure, Risk, Sanctions & AML Policy, and any other terms expressly incorporated by reference.

If you do not agree to these Terms in their entirety, you must immediately discontinue all access to and use of the Services.

2.2 Electronic Acceptance

Your acceptance of these Terms is manifested by electronic means, including but not limited to clicking “I agree,” creating an Account, connecting a Wallet, subscribing to paid Services, or otherwise using the Services. You agree that such electronic acceptance constitutes a legally binding signature.

2.3 Authority to Bind

If you access or use the Services on behalf of an entity, you represent and warrant that you have full legal authority to bind that entity to this Agreement, and all references to “you” shall refer to that entity.

3. ELIGIBILITY; USER REPRESENTATIONS

3.1 Age and Capacity

You represent and warrant that you:

(a) are at least eighteen (18) years of age (or the age of majority in your jurisdiction, if higher);
(b) have full legal capacity to enter into this Agreement; and
(c) are not prohibited from using the Services under Applicable Law.

3.2 Continuing Representations

You represent and warrant, on a continuing basis, that all information you provide to SpeedyTurtle is accurate, complete, and not misleading, and you agree to promptly update such information as necessary.

4. GEOGRAPHIC RESTRICTIONS; SANCTIONS; EXPORT CONTROLS

4.1 Prohibited Jurisdictions

You may not access or use the Services if you are located in, resident of, citizen of, incorporated in, or otherwise subject to the jurisdiction of any country, territory, or region where such access or use would:

(a) violate Applicable Law;
(b) violate any sanctions program administered or enforced by the United States, the European Union, the United Kingdom, or the United Nations; or
(c) require SpeedyTurtle to obtain any governmental authorization, license, or registration that it does not hold.

4.2 Sanctions Representations

You represent and warrant that neither you nor any person or entity that owns or controls you is:

• listed on any sanctions or restricted party list, including those maintained by OFAC, the U.S. Department of Commerce, the EU, the UK, or the UN; or
• acting on behalf of, or for the benefit of, any such person or entity.

4.3 Non-Circumvention

You agree not to use VPNs, proxies, Tor, location spoofing, or other technological means to conceal your location or circumvent geographic, legal, or regulatory restrictions. Any such attempt constitutes a material breach of these Terms.

5. NATURE OF THE SERVICES — TECHNOLOGY PROVIDER ONLY

5.1 Software-Only Services

SpeedyTurtle provides technology and software tools only. The Services consist solely of user-directed interfaces and automation logic that enable Users to interact with third-party Blockchains and smart contracts.

5.2 No Custody; No Control

SpeedyTurtle is strictly Non-Custodial. At no time does SpeedyTurtle:

• take beneficial ownership of Digital Assets;
• use private keys, recovery phrases, Wallet credentials, or transaction authority for its own account;
• submit transactions except under user-authorized manual instructions or automated strategy rules that you activate;
• reverse, cancel, or modify transactions after submission to a blockchain network.

Third-Party Wallet and Signing Infrastructure.

A Key Infrastructure Provider may support Wallet creation and recovery and may perform cryptographic operations required to sign transactions. Those operations occur under user-authorized instructions, including manual requests and automated strategy rules you activate. SpeedyTurtle has no authority to use Wallet credentials or signing material for its own account or outside those instructions.

5.3 No Agency; No Fiduciary Relationship

You acknowledge and agree that:

• SpeedyTurtle does not act as your agent, broker, dealer, intermediary, custodian, fiduciary, or advisor;
• no fiduciary duties are created by this Agreement or your use of the Services;
• transaction actions taken through the Services occur under your instructions, including automated strategy rules you choose to activate.

6. NO REGULATED ACTIVITY; NO ADVICE

6.1 No Investment, Legal, or Tax Advice

Nothing provided through the Services constitutes investment advice, legal advice, tax advice, accounting advice, or any recommendation regarding Digital Assets, strategies, or transactions.

6.2 Not a Regulated Entity

SpeedyTurtle is not registered as, and does not operate as:

• a broker-dealer, investment adviser, or securities exchange;
• a commodities trading advisor or futures commission merchant;
• a money transmitter or money services business, except to the extent expressly required and disclosed by law.

7. MODIFICATION AND SUSPENSION OF SERVICES

SpeedyTurtle reserves the right, at any time and in its sole discretion, to modify, suspend, restrict, or discontinue any aspect of the Services, with or without notice, and without liability to you.

8. WALLETS, PRIVATE KEYS, AND TRANSACTION IRREVERSIBILITY

8.1 User-Controlled Wallets Only

To access or use the Services, you must use a Wallet that you are authorized to control. Wallets available through the Services may include external Wallets you connect and Wallets created through a Key Infrastructure Provider. You acknowledge and agree that:

(a) you are responsible for authorizing Wallet operations and reviewing Wallet, network, address, asset, amount, and strategy settings;
(b) SpeedyTurtle does not beneficially own your Digital Assets or use Wallet credentials for its own account;
(c) you are responsible for safeguarding passwords, recovery phrases, devices, and other recovery or access methods.

Where a Key Infrastructure Provider is used, Wallet creation, recovery, key management, and signing are performed through that provider under user-authorized instructions. SpeedyTurtle does not have independent authority to initiate a transaction outside your manual requests or the automated strategy rules you activate.

8.2 Sole Responsibility for Credentials

You are solely responsible for safeguarding:

• private keys;
• seed phrases or recovery phrases;
• hardware wallets, devices, browsers, extensions, or environments used to access the Services.

Loss, compromise, or unauthorized access to your Wallet credentials may result in permanent loss of Digital Assets, and SpeedyTurtle bears no responsibility or liability for such loss.

8.3 Irreversible Transactions

You acknowledge and agree that:

• blockchain transactions are irreversible once submitted to the network;
• SpeedyTurtle cannot cancel, reverse, modify, or halt transactions;
• incorrect addresses, incorrect parameters, or user error may result in permanent loss.

All transaction decisions and consequences are entirely your responsibility.

9. THIRD-PARTY PROTOCOLS, SMART CONTRACTS, AND NETWORK RISKS

9.1 Third-Party Protocols

The Services may facilitate interaction with third-party smart contracts, decentralized exchanges, liquidity pools, bridges, aggregators, or other protocols (collectively, “Third-Party Protocols”).

SpeedyTurtle does not:

• own, operate, maintain, audit, or control Third-Party Protocols;
• guarantee their functionality, security, availability, or correctness;
• make representations regarding code quality, governance, or economic design.

9.2 Assumption of Risk

You expressly assume all risks arising from:

• bugs, exploits, or vulnerabilities in smart contracts;
• protocol upgrades, forks, or governance decisions;
• oracle failures or inaccurate data feeds;
• network congestion, reorgs, or outages;
• malicious actors or sophisticated cyberattacks.

SpeedyTurtle shall not be liable for losses resulting from any Third-Party Protocol interaction, even if accessed via the Services.

9.3 Key Infrastructure Providers

The Services rely on third-party Key Infrastructure Providers (such as Turnkey) to perform cryptographic signing and key management functions. SpeedyTurtle does not control, operate, or guarantee the availability, security, or performance of such providers. You acknowledge that failures, outages, or compromises of Key Infrastructure Providers may result in transaction delays, failures, or loss of access, and SpeedyTurtle shall not be liable for any such events.

10. FEES, PRICING, AND ESTIMATES

10.1 Service Fees

Certain Services may require payment of subscription fees or usage-based fees. All fees are disclosed prior to purchase and are non-refundable, except as required by Applicable Law.

10.2 Third-Party Fees

Your transactions may incur additional fees imposed by third parties, including:

• blockchain “gas” or network fees;
• protocol or liquidity provider fees;
• bridge or routing fees.

SpeedyTurtle does not control and is not responsible for such fees.

10.3 Estimates and Errors

Any fee, pricing, execution, or performance information displayed through the Services is an estimate only. You acknowledge that:

• estimates may be inaccurate;
• prices may change between display and execution;
• technical or data errors may occur.

You agree that you will not rely on displayed estimates as guarantees, and SpeedyTurtle shall not be liable for discrepancies.

11. REFERRAL, AFFILIATE, AND REWARD PROGRAMS

11.1 Program Availability

SpeedyTurtle may offer referral, affiliate, incentive, or reward programs (“Programs”) from time to time. Participation is voluntary and subject to additional terms, including the Speedy Circle Referral Program, where applicable.

11.2 Nature of Rewards

You acknowledge and agree that:

• rewards are not securities;
• rewards do not represent ownership, equity, profit-sharing, or governance rights;
• rewards are promotional in nature and may be modified, suspended, or revoked at any time.

11.3 Anti-Abuse and Discretion

SpeedyTurtle reserves the right to withhold, revoke, or claw back rewards if it reasonably suspects fraud, manipulation, wash trading, or abuse of Programs.

11.4 Taxes

You are solely responsible for determining and satisfying any tax obligations arising from rewards or incentives. SpeedyTurtle does not provide tax reporting or withholding.

12. REGULATORY, LEGAL, AND MARKET RISK DISCLOSURES

12.1 Market Risk

You acknowledge that Digital Assets are speculative and volatile. Market conditions may change rapidly, and you may lose all or substantially all of the value of your Digital Assets.

12.2 Regulatory Uncertainty

The regulatory treatment of Digital Assets and blockchain technologies is evolving and uncertain. Regulatory actions may:

• restrict or prohibit certain assets or activities;
• impose new compliance obligations;
• require changes to, or suspension of, the Services.

You bear sole responsibility for understanding and complying with Applicable Law.

12.3 Additional Risk Disclosure

The Risk Disclosure describes additional risks of Digital Assets, automated strategies, transaction execution, Wallet security, third-party services, and blockchain networks. It is incorporated into this Agreement by reference.

13. KYC / AML — EXPRESS NON-ONBOARDING FRAMEWORK

13.1 No Routine KYC or AML Onboarding

SpeedyTurtle does not conduct routine Know Your Customer (KYC), Anti-Money Laundering (AML), or identity verification checks as a condition of account creation, Wallet connection, or access to the Services.

Nothing in this Agreement shall be construed as:

• an undertaking to perform KYC or AML checks on Users;
• an admission that SpeedyTurtle is a regulated financial institution;
• a representation that SpeedyTurtle is subject to ongoing customer due diligence obligations.

13.2 Discretionary Compliance Actions

SpeedyTurtle reserves the right, but does not assume an obligation, to request information or restrict access if it reasonably believes such action is necessary to:

• comply with Applicable Law;
• respond to lawful governmental requests;
• mitigate legal, regulatory, or reputational risk.

Such actions are exceptional, discretionary, and do not create a general compliance duty or expectation.

13.3 Additional Policy

The Risk, Sanctions & AML Policy provides additional information about sanctions controls, public blockchain data, and illicit-use prevention. It is incorporated into this Agreement by reference.

14. ACCEPTABLE USE AND PROHIBITED CONDUCT

You agree not to:

• violate Applicable Law or sanctions programs;
• engage in fraud, manipulation, or deceptive practices;
• interfere with or disrupt the Services or networks;
• attempt unauthorized access to systems or data;
• use the Services to harm others or infringe rights.

SpeedyTurtle may investigate violations and cooperate with authorities as required by law.

15. INTELLECTUAL PROPERTY RIGHTS

15.1 Ownership

All rights, title, and interest in the Services, including software, code, designs, trademarks, and content, are owned by SpeedyTurtle or its licensors.

15.2 Limited License

Subject to your compliance with these Terms, SpeedyTurtle grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for lawful purposes.

You may not copy, modify, distribute, reverse engineer, or exploit the Services except as expressly permitted by law.

16. USER CONTENT; DMCA-STYLE PROTECTIONS

16.1 User Content Defined

“User Content” means any content, data, text, code, messages, images, files, or other materials that you submit, upload, transmit, or otherwise make available through the Services.

16.2 Ownership and License

You retain ownership of your User Content. By submitting User Content, you grant SpeedyTurtle a worldwide, non-exclusive, royalty-free, fully paid, transferable, sublicensable license to use, reproduce, modify, host, store, transmit, display, and distribute such User Content solely for the purpose of operating, maintaining, improving, and securing the Services.

16.3 Representations Regarding User Content

You represent and warrant that:

(a) you own or have all necessary rights to submit User Content;
(b) your User Content does not infringe or misappropriate any intellectual property, privacy, publicity, or other rights;
(c) your User Content does not violate Applicable Law or these Terms.

16.4 Monitoring and Removal

SpeedyTurtle has no obligation to monitor User Content but reserves the right to remove, disable, or restrict access to User Content at its sole discretion, including where it reasonably believes such content violates these Terms or Applicable Law.

17. WARRANTIES; DISCLAIMER OF WARRANTIES

17.1 User Warranties

You represent and warrant that your use of the Services:

• complies with Applicable Law;
• does not violate sanctions or export controls;
• does not infringe third-party rights;
• is undertaken at your sole risk.

17.2 DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

WITHOUT LIMITING THE FOREGOING, SPEEDYTURTLE DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

SpeedyTurtle does not warrant that:

• the Services will be uninterrupted, timely, secure, or error-free;
• defects will be corrected;
• the Services will meet your requirements or expectations.

18. LIMITATION OF LIABILITY

18.1 Excluded Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL SPEEDYTURTLE OR ITS AFFILIATES, MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, OR CONTRACTORS (COLLECTIVELY, THE “SPEEDYTURTLE PARTIES”) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

18.2 Liability Cap

IN NO EVENT SHALL THE AGGREGATE LIABILITY OF THE SPEEDYTURTLE PARTIES EXCEED THE GREATER OF:

(a) USD $100; or
(b) the total fees paid by you to SpeedyTurtle for the Services during the twelve (12) months immediately preceding the event giving rise to the claim.

18.3 Basis of the Bargain

You acknowledge that the limitations of liability set forth in this Agreement are a fundamental element of the basis of the bargain between you and SpeedyTurtle and reflect an allocation of risk.

19. INDEMNIFICATION

19.1 Indemnity Obligation

You agree to defend, indemnify, and hold harmless the SpeedyTurtle Parties from and against any and all claims, demands, actions, losses, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

(a) your access to or use of the Services;
(b) your violation of these Terms or Applicable Law;
(c) your User Content;
(d) your Digital Asset transactions or interactions with Third-Party Protocols.

19.2 Defense Control

SpeedyTurtle reserves the right, at its expense, to assume exclusive control of the defense of any matter subject to indemnification, in which case you agree to cooperate fully.

20. DISPUTE RESOLUTION; ARBITRATION; DELEGATION

20.1 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-law principles. The Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs the interpretation and enforcement of the arbitration provisions in this Agreement. Nothing in this Agreement deprives a consumer of any protection that cannot be waived under the law that applies to that consumer.

20.2 Informal Dispute Resolution

Before initiating arbitration, the party asserting a dispute, claim, or controversy arising out of or relating to these Terms or the Services (each, a “Dispute”) must send the other party a written notice describing the claimant’s name and contact information, the facts giving rise to the Dispute, and the relief requested. Notices to SpeedyTurtle must be sent to support@speedyturtle.io with the subject line “Notice of Dispute.” SpeedyTurtle may send a notice to the email address associated with your Account.

The parties shall attempt in good faith to resolve the Dispute for thirty (30) days after the notice is received. Either party may initiate arbitration or an eligible small-claims action after that period. Any applicable limitations period shall be tolled during this thirty-day informal-resolution period to the extent permitted by Applicable Law.

20.3 Mandatory Individual Arbitration

Except for an eligible individual action brought in small-claims court under Section 20.6, any Dispute that is not resolved through Section 20.2 shall be resolved by final and binding individual arbitration administered by the American Arbitration Association (“AAA”). Judgment on an arbitration award may be entered in any court having jurisdiction.

20.4 Applicable AAA Rules

If you are an individual using the Services for personal or household purposes, the arbitration shall be administered under the AAA Consumer Arbitration Rules and Mediation Procedures, including any applicable fee schedule and mass-arbitration supplementary rules.

If you use the Services on behalf of a business or other entity, or primarily for commercial purposes, the arbitration shall be administered under the AAA Commercial Arbitration Rules and Mediation Procedures, unless the AAA determines that another AAA rule set applies.

The applicable AAA rules are incorporated into this Agreement except where they conflict with a non-waivable requirement of Applicable Law. If the AAA is unavailable or declines to administer a Dispute and the parties cannot agree on another administrator, either party may ask a court of competent jurisdiction to appoint an arbitrator or administrator consistent with the Federal Arbitration Act.

20.5 Hearing Method and Location

Hearings shall be conducted virtually unless the parties agree otherwise or the arbitrator determines that an in-person hearing is appropriate under the applicable AAA rules. If an in-person consumer hearing is required, it shall take place in the county or equivalent jurisdiction where the consumer resides, unless the parties agree to another location. A commercial arbitration shall use the location selected under the applicable AAA Commercial Arbitration Rules or by agreement of the parties.

Arbitration fees and costs shall be allocated under the applicable AAA rules and fee schedule. SpeedyTurtle will pay amounts the applicable rules or Applicable Law require a business to pay.

20.6 Small-Claims Option

Either party may bring an individual Dispute in a small-claims court of competent jurisdiction if the Dispute qualifies and remains solely in that court. Either party may elect the small-claims option before an arbitrator is appointed, as permitted by the applicable AAA rules.

20.7 Delegation Clause

Except for issues that Applicable Law requires a court to decide, the arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or part of this Agreement is void or voidable.

20.8 No Jury Trial

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND SPEEDYTURTLE WAIVE THE RIGHT TO A JURY TRIAL FOR ANY DISPUTE SUBJECT TO ARBITRATION UNDER THIS SECTION.

21. CLASS ACTION WAIVER

YOU AND SPEEDYTURTLE AGREE THAT ALL DISPUTES SHALL BE BROUGHT IN AN INDIVIDUAL CAPACITY ONLY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL ACTION.

If this waiver is found unenforceable, the arbitration provision shall be null and void as to such Dispute.

22. TERMINATION; SUSPENSION

SpeedyTurtle may suspend or terminate your access to the Services at any time, with or without notice, for any reason or no reason. Upon termination:

• your license to use the Services immediately ceases;
• Sections that by their nature should survive termination shall survive.

23. FORCE MAJEURE

SpeedyTurtle shall not be liable for any failure or delay resulting from causes beyond its reasonable control, including acts of God, war, terrorism, civil disturbances, labor disputes, power failures, network outages, or governmental actions.

24. MISCELLANEOUS

24.1 Entire Agreement

These Terms, together with the policies and program terms expressly incorporated by reference, constitute the entire agreement between you and SpeedyTurtle regarding the Services and supersede all prior agreements or understandings.

24.2 Severability

If any provision is held unenforceable, the remaining provisions shall remain in full force and effect.

24.3 No Waiver

Failure to enforce any provision shall not constitute a waiver.

24.4 Assignment

You may not assign these Terms without SpeedyTurtle’s prior written consent. SpeedyTurtle may assign freely.

24.5 Relationship of the Parties

Nothing herein creates any partnership, joint venture, agency, or employment relationship.

25. CONTACT INFORMATION

SpeedyTurtle Labs, LLC
Email: support@speedyturtle.io