Terms of Use

1. Introduction

This document describes the Terms of Use that govern your access to and utilization of the Mutuum Finance website (https://www.mutuum.finance), any associated services we offer, and the Mutuum Finance Token (MUTM). By visiting or using our website and by purchasing or using MUTM tokens, you acknowledge and accept these Terms of Use. Should you disagree with any portion of these terms, please discontinue using our website and services immediately.

Together with our Privacy Policy and Cookies Policy—both accessible on our website—these Terms of Use constitute the complete agreement between you and Mutuum Finance. You agree not to transfer or assign your rights or responsibilities outlined here, whether by operation of law or otherwise, without our explicit written approval. Mutuum may, at our discretion, transfer our rights and obligations under these Terms to an affiliate or in connection with a subcontracting arrangement, an offshore entity, or corporate transitions such as mergers, sales, or acquisitions.

If any provision within these Terms of Use is found invalid or unenforceable, all remaining provisions will remain valid and enforceable. Any invalid or unenforceable provision will be revised or replaced to best reflect the original intent and objectives of the invalidated provision.

2. Acceptance of Terms

By accessing or using the services available through (https://www.mutuum.finance), you affirm that you have read, understood, and agree to adhere to these Terms of Use. We may update these Terms periodically, and any modifications will be indicated by a revised “Last Updated” date at the start of this document.

Your continued use of the Mutuum Finance website or any purchase, possession, or use of the Mutuum Finance token (MUTM) after any revisions to these Terms indicates your acceptance of those changes. If you do not consent to the updated Terms, your only recourse is to stop using our website and services.

3. Definitions

• Mutuum: Refers to the cryptocurrency project developed with its own defined objectives.
• Mutuum Finance (Company): This may also be referred to as “the company. ” When this usage applies, the word “company” is included to clarify references to the Mutuum project.
• MUTM: The unique identifier for the digital cryptocurrency token associated with the Mutuum Finance.
• Personal Information: Any information about an individual that enables unique identification or direct contact.
• Users or You: Any person or organization that accesses or transacts through https://www.mutuum.finance, purchases or holds MUTM tokens, or otherwise utilizes the services provided through the Mutuum Finance.

4. Project Description

Mutuum (MUTM) is a decentralized, non-custodial liquidity protocol that enables users to act as lenders, borrowers, or liquidators. Lenders deposit their digital assets into shared liquidity pools to earn interest, while borrowers can obtain overcollateralized loans by providing sufficient collateral.

Instead of matching specific lenders and borrowers, Mutuum’s pooled approach allows anyone to supply cryptocurrency into a single contract. Borrowers draw from these funds by locking in collateral within the same pool, creating a collective system that manages both deposited assets and outstanding loans.

Interest rates for lenders and borrowers dynamically adjust according to the protocol’s market-driven mechanism. When a large portion of a liquidity pool is borrowed, the rate for borrowers increases. This automatic recalibration helps maintain balanced utilization of available capital.

Lenders earn returns based on the interest paid by borrowers, and a reserve factor is built in to ensure liquidity remains accessible at all times. By keeping this liquidity buffer, Mutuum endeavors to guarantee that users can withdraw their deposits whenever they choose. This model rewards those who supply capital while maintaining sufficient on-chain liquidity for borrowers throughout the ecosystem.

5. Eligibility

You must be at least 18 years old to use the Mutuum Finance platform. By engaging with our services at https://www.mutuum.finance or conducting any transaction with the MUTM token, you confirm that you meet the legal age prerequisites in your jurisdiction.

Mutuum Finance does not target minors in its marketing. If a minor accesses https://www.mutuum.finance or conducts a MUTM token transaction, it is presumed they do so under the explicit guidance of a parent or guardian. In such cases, Mutuum Finance bears no responsibility for the actions taken by the minor on our platform.

6. Prohibited Activities

When using Mutuum Finance (https://www.mutuum.finance), you must avoid:

• Illegal Conduct: This includes money laundering, fraud, or other criminal acts.
• Platform Disruption: Refrain from disrupting platform operations, hacking, or obtaining unauthorized entry to our systems.
• Inappropriate Content: Do not share or transmit material that is offensive, harmful, involves bullying, or infringes on the rights of others.
• Market Manipulation: Any manipulative trading activity—including schemes like “pump and dump” or any tactics that may harm the MUTM token or its community—is strictly prohibited.
• Malware Distribution: You must not engage in any action that disseminates malware or other harmful elements to the website, platform, or users. We urge all users to employ robust antivirus measures and ensure they are accessing our official site at https://www.mutuum.finance.

Your commitment to these rules is vital in maintaining a trustworthy, secure environment for all Mutuum Finance participants.

7. Intellectual Property Rights

• License Grant: By visiting https://www.mutuum.finance, you receive a limited, non-sublicensable license to utilize our services and the MUTM token, subject to the terms detailed in these Terms of Use.
• Intellectual Property Protection: You recognize that all content and resources on the Mutuum Finance platform—such as logos, trademarks, text, and other media—are secured by intellectual property rights. No further license or right to use, reproduce, or exploit these materials is extended to you beyond what is explicitly permitted here.
• Restrictions on Alterations: You are not allowed to modify, adapt, or create derivative works from our services, products, or related intellectual property without our explicit written permission.
• Financial Gains and Promotion: You agree not to profit financially by distributing or promoting our services or associated materials without an authorized written contract with us. If you opt to provide feedback, endorsements, or promote our token and offerings on external websites or through your own social media accounts, these activities are considered voluntary. Consequently, you are not entitled to any monetary compensation or ownership rights arising from your promotional efforts.

8. Cryptocurrency Risks

• Investment Risk: Buying and selling cryptocurrencies, including MUTM, involves significant risk. Cryptocurrency values can be unpredictable and may lead to substantial or total loss of investment. Mutuum Finance does not provide investment guidance; you are fully accountable for your investment choices.
• Security Responsibility: You are solely responsible for maintaining the security of your wallet and private keys. Mutuum Finance cannot be held liable for any losses resulting from your failure to safeguard your digital assets.
• Regulatory Compliance: Cryptocurrency regulations vary across regions. It is your obligation to stay informed of and abide by any legal requirements in your jurisdiction.
• No Guarantees: Mutuum Finance offers no guarantees regarding the future price, stability, or performance of MUTM tokens.
• Token Claiming Process: Tokens purchased during the presale must be claimed using the same wallet employed for the initial purchase. Mutuum Finance holds no responsibility for losses stemming from compromised or inaccessible wallets. As no KYC procedures are conducted during the presale, token claims cannot be completed using a different wallet in cases where you have lost or compromised access.

9. Limitation of Liability

Neither Mutuum nor Mutuum Fnance, along with its developers, employees, or related entities, will be responsible for any direct, indirect, incidental, special, or consequential damages—such as lost profits, data, or other intangible losses—arising from your use of or inability to use https://www.mutuum.finance. This includes situations involving unauthorized access to or modification of your data or communications, statements or activities by any third party, or any other situation related to the service.

The Mutuum website is provided “as is” and “as available, ” with no express or implied warranties, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

While we aim for a safe, uninterrupted experience, Mutuum Finance does not promise that https://www.mutuum.finance will remain free of security vulnerabilities, errors, or downtime. We may occasionally pause or limit certain services for technical, maintenance, or operational reasons. Moreover, we retain the right to alter, suspend, or stop certain features of our services at our sole discretion.

10. Third-Party Content

From time to time, https://www.mutuum.finance may present external content or incorporate links to other websites. By using these links, you acknowledge and accept that Mutuum holds no responsibility for the information or practices of these third parties. We recommend reading and evaluating the terms of service and privacy policies of external websites before interacting with them, as these are governed by their own rules rather than those of Mutuum or Mutuum Finance.

11. Privacy Policy

Your engagement with Mutuum Finance (https://www.mutuum.finance) is guided by our Privacy Policy, which outlines how we handle your personal information, and is accessible on our website. By using our platform, you consent to the practices described in that policy.

We also encourage you to review our Cookies Policy for detailed information about how we use cookies and similar technologies, as it forms an essential part of our data protection framework.

12. Token Classification

By using Mutuum Finance and acquiring or interacting with MUTM tokens, you acknowledge and agree that MUTM is categorized as a utility token meant primarily for accessing specific functions and services within the Mutuum ecosystem. It is not structured to represent a financial security or investment instrument.

It is important to note that legal interpretations concerning utility tokens may differ between jurisdictions. Although MUTM is designed to sit outside stringent securities regulations, other legal or regulatory frameworks could potentially apply, now or in the future, as laws evolve. You are responsible for understanding and adhering to all laws and regulations in your jurisdiction that could apply to your handling of MUTM tokens. Mutuum Finance does not provide any assurances about the legal classification or treatment of MUTM in any particular region.

14. Contact Information

If you have any questions or issues relating to these Terms of Use or the Mutuum Finance website, please reach out to us at contact@mutuum.finance. We are committed to addressing your inquiries and providing assistance.

By accessing or using https://www.mutuum.finance, you confirm that you have read, understood, and agreed to these Terms of Use. Along with our Privacy Policy and Cookies Policy, these Terms constitute the full and exclusive agreement between you and Mutuum Finance regarding your use of our platform.