Effective 2026-04-25
These Terms of Service ("Terms") govern your access to and use of the websites, APIs, MCP servers, and related software services (collectively, the "Service") operated by Malcontent Games LLC, an Ohio limited liability company doing business as PaladinFi ("PaladinFi", "we", "us", "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
PaladinFi provides software infrastructure for decentralized finance ("DeFi") applications, including but not limited to:
What the Service does NOT do: The Service does not custody your funds, does not sign transactions on your behalf, does not provide investment, financial, legal, or tax advice, does not perform Know-Your-Customer (KYC) verification, and does not guarantee execution or any particular outcome of any blockchain transaction. You retain sole control of your wallet and your private keys at all times. The non-custodial and non-money-transmitter status of the Service is described further in Section 19.
No "best-execution" representation. PaladinFi makes no representation that any returned route is the best available, lowest-cost, or optimal across the broader DeFi market. The Service queries a limited set of upstream aggregators currently integrated. References on marketing surfaces to "competitive routing," "multi-aggregator routing," or similar terms describe our routing intent, not a guarantee of price optimality.
To use the Service you represent and warrant that you (a) are at least 18 years of age, (b) have the legal capacity to enter into a binding contract, (c) are not a resident of, located in, or a citizen of any jurisdiction subject to comprehensive sanctions administered or enforced by the United States Department of the Treasury Office of Foreign Assets Control (OFAC) or any equivalent international authority, (d) are not listed on any U.S. or international restricted-party list, and (e) are not located in the European Economic Area, the United Kingdom, or Switzerland. The Service is not offered to users in those jurisdictions, and we may decline service to any user determined to be located there. See also Section 19 (Money-Transmitter and Financial Status) and the Privacy Policy for related disclosures.
Sanctions screening. We screen the taker address you submit against publicly available sanctions lists (including the OFAC Specially Designated Nationals (SDN) List) and may decline to return a quote for any address appearing on such lists. Screening is performed on each request and the screening result is logged. This screening is one input to compliance and does not relieve you of your obligations under (a)–(d) above; you remain responsible for compliance with all applicable sanctions, anti-money-laundering, and counter-terrorism-financing laws.
The Service is non-custodial. You are solely responsible for maintaining the security of your wallet, private keys, seed phrases, and any device or software used to access your wallet. PaladinFi cannot recover lost keys, reverse mistaken transactions, or restore access to compromised wallets. Loss of your private keys is irreversible and not recoverable through PaladinFi.
The Service may include a routing fee paid to PaladinFi as part of swap calldata. The current routing fee is 10 basis points (0.10%) of the buy-token output amount, included in the calldata returned to you. The live current rate and the fee recipient address are also published programmatically at https://swap.paladinfi.com/health and on associated product pages. The fee is calculated against the actual fill amount, not the quoted estimate. By executing a quote returned by the Service, you authorize the inclusion of the disclosed fee in the calldata you sign. Third-party aggregator spreads, blockchain network gas costs, and any other fees are separate from PaladinFi's routing fee and are governed by their respective providers and protocols.
The Service routes through, depends on, or interoperates with third-party services and protocols, including but not limited to: 0x Protocol; aggregators such as 1inch and Odos (when integrated); the Base network and other EVM blockchains; cloud and hosting providers; and email infrastructure. PaladinFi is not responsible for the availability, accuracy, security, or conduct of any third-party service. Your use of third-party services may be subject to their own terms and policies, which you are responsible for reviewing.
Quotes, routing decisions, and any informational content provided by the Service are not investment, financial, legal, or tax advice. PaladinFi does not endorse any particular token, protocol, aggregator, or transaction. You are solely responsible for evaluating the merits, risks, and legality of any transaction you execute. Cryptocurrency and DeFi activity carry substantial risk of loss. You may lose all funds at risk.
You agree to comply with all applicable laws, regulations, and tax obligations in your jurisdiction. You agree not to use the Service to:
The Service is provided on a best-effort basis. PaladinFi does not guarantee uptime, latency, throughput, or any service-level objective. Operational status, monitoring, and verification language used on product pages or marketing surfaces refers to internal observability and engineering practices and does not create a service-level guarantee, warranty, or contractual commitment to users. We may modify, suspend, throttle, or discontinue any part of the Service at any time, with or without notice, including but not limited to during maintenance, security incidents, regulatory developments, or for any other reason. We may also impose rate limits or other usage restrictions.
The PaladinFi name, logos, brand assets, the design of the websites, and the proprietary backend code are the property of Malcontent Games LLC. Open-source components published under specific licenses (such as MIT) are governed by their respective license terms; nothing in these Terms grants you broader rights than those licenses provide.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OPERATION. PALADINFI MAKES NO WARRANTY THAT QUOTES OR ROUTES ARE OPTIMAL, ACCURATE, COMPLETE, OR EXECUTABLE WITHOUT REVERT, AND DISCLAIMS ALL LIABILITY FOR LOSSES RESULTING FROM SLIPPAGE, FRONT-RUNNING, FAILED TRANSACTIONS, INCORRECT CALLDATA, OR ANY OUTCOME ON-CHAIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES; TO THAT EXTENT, THIS SECTION APPLIES TO YOU TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL PALADINFI, ITS AFFILIATES, OR ITS PERSONNEL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR DIGITAL ASSETS, ARISING OUT OF OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. PALADINFI'S AGGREGATE LIABILITY FOR ANY CLAIM RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO PALADINFI IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (USD 100).
The exclusions and limitations in this Section do not apply to liability for: (i) PaladinFi's gross negligence, willful misconduct, or fraud; (ii) bodily injury or death; or (iii) any liability that cannot be excluded or limited under applicable law.
You agree to defend, indemnify, and hold harmless PaladinFi, its affiliates, and its personnel from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your access to or use of the Service, (b) your violation of these Terms, (c) your violation of any law or third-party right, or (d) any transaction you initiate using calldata, quotes, or other outputs from the Service.
This indemnification does not apply to claims to the extent caused by PaladinFi's gross negligence, willful misconduct, fraud, or breach of these Terms.
We will provide at least thirty (30) days' prior notice of material changes to these Terms via the Service, by posting on this page, by API response header (such as X-PaladinFi-Terms-Updated) for users without a registered contact email, or by email where we have your contact email. Material changes means any change affecting the scope of dispute resolution, the limitations of liability, the fees charged for use of the Service, the rights and remedies available to you, or any change a reasonable user would consider economically significant. For material changes, your continued use of the Service after the effective date of the change constitutes acceptance of the revised Terms. After the effective date of any material change, your sole remedy if you do not agree is to stop using the Service. Non-material changes (such as typographical corrections, clarifying edits, or updates to the subprocessor list that do not change processing scope) are effective on posting. The "Last updated" date at the top of this page reflects when the Terms were last revised.
We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice. Sections 4 (Wallets and Custody), 5 (Fees, as to fees already accrued), 7 (No Advice), 10 (IP), 11 (Disclaimers), 12 (Limitation of Liability), 13 (Indemnification), 14 (Modifications), 16 (Governing Law), 17 (Dispute Resolution), 18 (General), 19 (Money-Transmitter Status), 20 (Force Majeure), 21 (Contact), and any provisions that by their nature survive termination, will survive.
These Terms are governed by the laws of the State of Ohio, United States, without regard to its conflict-of-law principles. Subject to Section 17 below, the exclusive jurisdiction and venue for any non-arbitrable claim arising out of these Terms will be the state and federal courts located in Franklin County, Ohio, and you consent to the personal jurisdiction of such courts.
Any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") will, subject to your right to opt out under Section 17.5, be resolved by binding individual arbitration administered by JAMS pursuant to the JAMS Streamlined Arbitration Rules and Procedures, supplemented by JAMS Consumer Minimum Standards where applicable. The seat of arbitration is Columbus, Franklin County, Ohio. Judgment on the award may be entered in any court of competent jurisdiction.
You and PaladinFi each waive the right to a trial by jury and the right to participate in any class, collective, mass, or representative action. Disputes are arbitrated only on an individual basis. The arbitrator may not consolidate or join more than one party's claims and may not preside over any form of representative or class proceeding.
If twenty-five (25) or more substantially similar arbitration demands are filed within sixty (60) days by the same or coordinated counsel, the parties agree to use the JAMS Mass Arbitration Procedures (or any successor JAMS rule set governing mass-arbitration coordination), with a bellwether process of ten (10) cases proceeding to award before any further JAMS filing fees are required to be advanced by either party for additional cases. The parties will work in good faith to coordinate selection of bellwether cases and to apply the bellwether outcomes informationally to remaining cases.
Notwithstanding Section 17.1, either party may seek temporary or preliminary injunctive relief in a court of competent jurisdiction pending the outcome of arbitration on the merits. Either party may also enforce an arbitration award in court.
You may opt out of this arbitration agreement by emailing dev@paladinfi.com within thirty (30) days of first accepting these Terms with the subject line "Arbitration Opt-Out" and including your account or wallet identifier. For users without a registered account, your first use of the Service constitutes "first acceptance" for purposes of starting this 30-day opt-out window. Opting out does not affect any other provision of these Terms.
The waivers of jury trial and class/collective/representative actions are material and non-severable from each other. If a court of competent jurisdiction finds the class waiver unenforceable as to a particular claim only because that claim seeks public injunctive relief, that claim alone may proceed in court while all other Disputes remain subject to individual arbitration. The remainder of this Section 17 is severable and survives any partial invalidation.
PaladinFi does not take possession, custody, or control of user funds, does not transmit value, and is not a money-services business under 31 C.F.R. § 1010.100(ff). The Service is software that returns data; users alone sign and broadcast transactions. PaladinFi does not act as a broker, dealer, exchange, money transmitter, or other regulated financial intermediary, and references in marketing materials to routing, execution, or related concepts describe technical functions and do not represent that PaladinFi performs the services of any regulated financial entity.
Neither party is liable for any failure or delay in performance caused by events beyond its reasonable control, including but not limited to: network or internet outages, blockchain reorganizations or chain halts, third-party aggregator failures, oracle or RPC provider outages, government action, regulatory change, civil unrest, labor disputes, fire, flood, earthquake, pandemic, or other natural disasters. The affected party will use commercially reasonable efforts to resume performance as soon as practicable.
Questions about these Terms: dev@paladinfi.com
Legal entity: Malcontent Games LLC, doing business as PaladinFi, an Ohio limited liability company.