Terms of Service

Last updated: October 23, 2026

The terms that apply when you use this website.

1. Agreement

These Terms of Service ("Terms") govern your use of this website, operated by Lucid Finance, Inc. (d/b/a Pact Labs) ("PACT," "we," "us"). By using the website you agree to these Terms. If you do not agree, do not use the website. Use of PACT's products is governed by separate written agreements, which control if they conflict with these Terms.

2. Eligibility

You must be at least 18 years old and able to form a binding contract. If you use the website on behalf of a company, you confirm you are authorized to bind it.

3. Information only, not advice

Content on this website is for general information about PACT and its products. It is not an offer to sell, or a solicitation to buy, any security, token or financial product, and it is not financial, investment, legal or tax advice. Figures, examples and illustrations are provided for illustration and may not reflect current or future results.

4. PACT is not a bank

PACT is a technology company, not a bank. Banking services described on this website are provided by partner banks, and card programs are issued by partner banks under license from card networks. Digital assets, including stablecoins, are not bank deposits, are not FDIC-insured, are not guaranteed by any bank or government, and may lose value.

5. Digital asset and blockchain risks

Blockchain networks and smart contracts carry risks, including software bugs, network failures, price volatility, regulatory change and irreversible transactions. Security audits linked from this website reflect the scope and time of each review and are not a guarantee that any code is free of defects.

6. Acceptable use

You agree not to:

• Use the website in violation of any law or regulation, including sanctions and anti-money-laundering laws.
• Attempt to gain unauthorized access to, interfere with or disrupt the website or related systems.
• Scrape, copy or reverse engineer the website except as allowed by law.
• Misrepresent your identity or affiliation, or use the website to send spam or malicious content.

7. Intellectual property

The website and its content, including the PACT name and logos, are owned by PACT or its licensors and are protected by law. Third-party names and logos belong to their owners and are used for identification only. We grant you a limited, revocable license to view the website for your own informational use.

8. Third-party links and services

The website links to third-party sites and services, such as scheduling tools, governance forums and documents. We are not responsible for their content, terms or practices.

9. Disclaimers

THE WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PACT AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA OR GOODWILL, ARISING FROM YOUR USE OF THE WEBSITE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE WEBSITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

11. Indemnity

You agree to indemnify and hold PACT harmless from claims arising out of your misuse of the website or violation of these Terms.

12. Governing law

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law rules. Any dispute relating to the website will be brought exclusively in the state or federal courts located in Delaware, and you consent to their jurisdiction.

13. Changes

We may update these Terms by posting a new version here. Continued use of the website after changes means you accept them.

14. Contact

Lucid Finance, Inc. (d/b/a Pact Labs)
16192 Coastal Hwy, Lewes, Delaware 19958
eric@pactlabs.xyz