Terms of Service

1. What Yieldgeko is

Yieldgeko is a non-custodial yield routing interface that aggregates live APY data from third-party DeFi protocols and allows you to deposit USDC into those protocols using your own smart account wallet. Yieldgeko does not:

• Take custody of your USDC or any other digital asset
• Hold or control your private keys
• Route transactions through Yieldgeko-controlled infrastructure
• Guarantee any yield, return, or principal protection
• Provide investment, financial, legal, or tax advice

Your funds are deposited directly into the underlying DeFi protocol smart contracts (e.g. Aave V3, Compound V3). Yieldgeko has no ability to recover, freeze, or redirect those funds once deposited.

2. Eligibility

You must be at least 18 years old and legally permitted to use DeFi applications in your jurisdiction. By accessing Yieldgeko, you represent that:

• You meet the minimum age requirement
• Use of DeFi applications is not prohibited in your country or region
• You are not subject to sanctions by the OFAC, EU, UN, or any applicable authority
• You are acting on your own behalf, not as an agent for a third party

Yieldgeko is not available to residents of jurisdictions where access to decentralised finance applications is prohibited by law.

3. Risks you accept

DeFi protocols carry significant and sometimes unrecoverable risks. By using Yieldgeko, you acknowledge that you understand and accept:

• Smart contract risk. Bugs or exploits in third-party protocol contracts could result in partial or total loss of deposited funds.
• Variable rate risk. All APYs shown are variable and can change at any time. Past rates are not indicative of future rates.
• Liquidity risk. Some protocols may impose withdrawal delays or limits under certain market conditions.
• Oracle and liquidation risk. Price oracle failures or extreme market events can affect protocol solvency.
• Regulatory risk. The regulatory status of DeFi protocols is uncertain and evolving across jurisdictions.
• Key loss risk. If you lose access to your wallet, Yieldgeko cannot recover your funds.

4. Fees

Yieldgeko does not charge deposit fees, withdrawal fees, or a cut of your yield. Gas fees for transactions executed through embedded wallets (Safe smart accounts) are sponsored by Pimlico's ERC-4337 paymaster infrastructure. The underlying DeFi protocols may charge their own fees; these are disclosed by the relevant protocol and are not collected by Yieldgeko.

5. APY data and accuracy

APY rates displayed in the application are sourced from DeFi Llama's Yields API, protocol-native APIs, and direct on-chain queries. Rates are refreshed approximately every 15 minutes. Yieldgeko makes no representation that the rates shown are accurate at any given moment and accepts no liability for decisions made based on displayed rates.

6. Prohibited use

You agree not to use Yieldgeko to:

• Launder money or finance any illegal activity
• Violate any applicable laws or regulations
• Reverse engineer, scrape, or systematically extract data from the application
• Attempt to gain unauthorised access to Yieldgeko systems or infrastructure
• Introduce malware, viruses, or other malicious code

7. Intellectual property

The Yieldgeko name, logo, interface design, and all original content are the property of Yieldgeko. Nothing in these terms grants you a licence to use Yieldgeko branding or content outside the application. The underlying open-source software components (Wagmi, Viem, Safe, Privy, etc.) remain subject to their respective licences.

8. Disclaimers and limitation of liability

Yieldgeko is provided “as is” without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

To the fullest extent permitted by law, Yieldgeko and its contributors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the application, including but not limited to loss of funds, loss of profits, or loss of data.

9. Changes to these terms

We may update these terms from time to time. Changes will be posted at this URL with an updated “Last updated” date. Continued use of Yieldgeko after changes are posted constitutes acceptance of the updated terms.

10. Contact

Questions about these terms? Reach out via @yieldgeko on X.