Terms of Service

By accessing, browsing, or using the Cozy platform ("Platform"), including our website, applications, APIs, and any associated services (collectively, "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you do not agree, you must immediately discontinue use of the Platform. These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Cozy ("Company," "we," "us," or "our"). We reserve the right to modify these Terms at any time. Continued use of the Platform after changes constitutes acceptance of modified Terms. Material changes will be communicated via the Platform or email associated with your account. You represent that you are at least 18 years of age (or the age of legal majority in your jurisdiction) and have the legal capacity to enter into binding agreements. If you are using the Platform on behalf of an entity, you represent that you have authority to bind that entity.

Cozy provides a web-based interface for discovering, analyzing, and trading digital assets on the Solana blockchain. The Platform facilitates token swaps through decentralized exchange protocols, portfolio tracking, market data visualization, and related tools. The Platform acts as a front-end interface and does not itself custody, hold, or control your digital assets. All transactions are executed on-chain through third-party decentralized protocols (e.g., Jupiter Aggregator). We do not operate as a broker, dealer, exchange, custodian, or financial advisor. We do not guarantee the availability, accuracy, or completeness of any market data, pricing information, or analytics displayed on the Platform. Such information is provided for informational purposes only.

To use certain features of the Platform, you may create an account using email, social login, or other supported authentication methods. Through our wallet infrastructure provider (Privy), an embedded Solana wallet may be automatically created for you. You are solely responsible for maintaining the security of your account credentials, wallet, and any associated recovery methods. We are not liable for unauthorized access resulting from your failure to safeguard credentials. You agree to notify us immediately of any unauthorized use. We reserve the right to suspend or terminate accounts that we reasonably believe violate these Terms, are involved in fraudulent activity, or pose a risk to the Platform or other users.

All trades executed through the Platform are peer-to-peer transactions on the Solana blockchain facilitated by third-party decentralized protocols. You understand and acknowledge that: • Transactions on the blockchain are irreversible once confirmed. We cannot reverse, cancel, or refund any completed transaction. • The Platform charges a service fee on swaps (currently 0.5%, subject to change). Additional network fees (gas) are determined by the Solana network and are outside our control. • Price slippage, front-running, MEV extraction, and other on-chain risks are inherent to decentralized trading. We do not guarantee execution price or protect against such risks. • Smart contract interactions carry inherent risks including but not limited to bugs, exploits, and economic attacks. We do not audit or endorse any third-party protocols accessed through the Platform. • You are solely responsible for determining and paying any applicable taxes on transactions conducted through the Platform.

The Platform allows users to create new tokens on the Solana blockchain through integration with third-party token launch protocols (e.g., pump.fun). By using the token creation feature, you acknowledge and agree that: • Token creation requires a network fee (approximately 0.02 SOL) paid directly to the Solana network. Cozy does not charge an additional creation fee. • Token metadata (name, symbol, description, and image) is uploaded to IPFS, a decentralized storage network. Once uploaded, this data may be publicly accessible and cannot be deleted by Cozy. • Newly created tokens launch on a bonding curve mechanism provided by pump.fun. Cozy does not control the bonding curve parameters, graduation thresholds, or liquidity migration process. • You are solely responsible for any token you create, including its name, description, imagery, and any claims made about it. You must not create tokens that infringe intellectual property, impersonate real individuals or entities, or promote illegal activity. • Cozy makes no representations about the value, tradability, or legal status of any token created through the Platform.

CREATOR EARNINGS: For tokens created through the Cozy Platform, creators may earn a portion of trading fees generated when their token is traded through Cozy. The current creator earning rate is 60% of the Platform's 0.5% trading fee (i.e., 0.3% of trade volume). This rate is subject to change at our sole discretion with or without notice. Creator earnings are tracked in our database and are not automatically distributed on-chain. Payout mechanisms, thresholds, and schedules are determined by Cozy and may change over time. REFERRAL PROGRAM: Users may earn referral rewards by inviting new users to the Platform. Referral earnings are currently set at 0.1% of the referred user's trading volume for a period of 12 months from the referred user's registration date. Referral rates and terms are subject to change at our sole discretion. Cozy reserves the right to modify, suspend, or terminate the Creator Earnings program and/or Referral Program at any time without prior notice. Cozy reserves the right to withhold or forfeit earnings in cases of suspected fraud, manipulation, or Terms violations.

The Platform integrates with various third-party services to provide its functionality. These include but are not limited to: • Privy — authentication and embedded wallet infrastructure • Jupiter Aggregator — decentralized exchange routing and token swaps • pump.fun / PumpPortal — token creation and bonding curve launch • Coinbase — fiat-to-crypto on-ramp services • Birdeye Data Services — market data, token prices, and analytics • Firebase / Firestore — user account data and application database • Helius — Solana RPC node provider • IPFS — decentralized metadata storage for created tokens Your use of these third-party services is subject to their respective terms of service and privacy policies. Cozy is not responsible for the availability, accuracy, or security of third-party services. Third-party integrations may change, be discontinued, or experience outages without notice.

You agree not to use the Platform to: • Violate any applicable local, state, national, or international law or regulation, including but not limited to securities laws, anti-money laundering (AML) laws, or sanctions regulations. • Engage in market manipulation, wash trading, spoofing, or other deceptive trading practices. • Use automated scripts, bots, or tools to interact with the Platform in a manner that degrades service for other users, unless explicitly authorized. • Attempt to gain unauthorized access to Platform systems, user accounts, or connected networks. • Distribute malware, viruses, or other harmful code through the Platform. • Use the Platform to launder money, finance terrorism, or facilitate any financial crime. • Circumvent any geographic restrictions or access controls we implement. • Impersonate any person or entity or misrepresent your affiliation with any person or entity.

Digital asset trading involves substantial risk and is not suitable for all individuals. You should carefully consider whether trading is appropriate given your financial circumstances. Key risks include but are not limited to: VOLATILITY: Digital asset prices are highly volatile and can decline rapidly. You may lose some or all of your investment. REGULATORY RISK: The regulatory landscape for digital assets is evolving. Changes in law or regulation may adversely affect the value of digital assets, your ability to trade, or the operation of this Platform. TECHNOLOGY RISK: Blockchain networks, smart contracts, and the Platform itself may experience technical failures, bugs, exploits, or downtime. LIQUIDITY RISK: Certain digital assets may have limited liquidity, resulting in inability to execute trades at desired prices. COUNTERPARTY RISK: Third-party protocols and service providers integrated with the Platform may fail, be exploited, or become insolvent. NO INSURANCE: Digital assets held in your wallet are not protected by any government deposit insurance program (such as FDIC or SIPC). PAST PERFORMANCE: Historical data and past performance of any digital asset does not guarantee future results.

All content, features, and functionality of the Platform — including but not limited to text, graphics, logos, icons, images, audio, video, software, and source code — are owned by Cozy or its licensors and are protected by copyright, trademark, and other intellectual property laws. The Cozy name, logo, and all related marks are trademarks of the Company. You may not use these marks without our prior written consent. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal, non-commercial purposes in accordance with these Terms.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PLATFORM AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. IN NO EVENT SHALL COZY, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM, REGARDLESS OF THE THEORY OF LIABILITY. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF (A) THE FEES PAID BY YOU TO COZY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the fullest extent permitted by law.

You agree to indemnify, defend, and hold harmless Cozy, its affiliates, and their respective officers, directors, employees, agents, and successors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: • Your use of the Platform or Services. • Your breach of these Terms. • Your violation of any applicable law or regulation. • Your violation of any third-party rights. • Any content you submit or transmit through the Platform. • Any trading decisions you make using the Platform.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Platform ("Dispute") shall be resolved through binding individual arbitration, except where prohibited by law. YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION. Each party may bring claims only in their individual capacity. Arbitration shall be administered under the rules of the American Arbitration Association (AAA) or, at your election, JAMS. The arbitration shall take place in [your jurisdiction] or remotely via video conference. The language of arbitration shall be English. Notwithstanding the above, either party may seek injunctive or equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Our failure to enforce any provision shall not constitute a waiver of that provision.

Your use of the Platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices.

We may terminate or suspend your access to the Platform at any time, with or without cause, with or without notice. Upon termination, your right to use the Platform ceases immediately. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, limitations of liability, and dispute resolution. You may terminate your account at any time by ceasing use of the Platform. Any pending transactions at time of termination will be processed according to blockchain protocol rules.

We shall not be liable for any failure or delay in performing our obligations where such failure or delay results from circumstances beyond our reasonable control, including but not limited to natural disasters, war, terrorism, riots, government actions, network failures, blockchain congestion, smart contract exploits, power outages, or pandemics.

For questions about these Terms, please contact us at legal@cozy.trade.