Terms of Service

Operating entities

Panoply is operated by two companies, split by function. Their registered details are set out below.

Client funds are held and administered by the platform operator above — the company incorporated in Saint Lucia (Reg. 2025-00579). That entity is your contractual counterparty and is responsible for your account balance unless stated otherwise in writing.

Eligibility

You must be able to form a legally binding contract to use Panoply. Access may be restricted in certain jurisdictions where use of the platform would be unlawful.

Account registration and verification

You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Certain features, including vault deposits and wallet allocation, require completing identity verification before they unlock.

Non-custodial platform

Panoply does not take custody of your assets. You retain control of your own wallet and private keys at all times. Panoply provides tooling for research, automation configuration, and portfolio analytics only.

Platform description

Panoply provides signal flows (automated strategy configurations), vault investment tracking, yield opportunity discovery, a portfolio builder, and related analytics. Some areas of the platform currently operate in a dry-run capacity, meaning trades and balances are simulated rather than executed against live markets. Where this applies, it is disclosed in the product itself.

Risk acknowledgment

Digital assets and DeFi protocols carry meaningful risk, including price volatility, smart contract risk, and regulatory uncertainty. You are solely responsible for evaluating whether any strategy or allocation is appropriate for you. See our Disclaimer for more detail.

Prohibited uses

• Attempting to circumvent identity verification or platform security controls.
• Using the platform for money laundering, fraud, or other unlawful activity.
• Interfering with or disrupting the integrity of the platform or its infrastructure.
• Reverse engineering or misrepresenting platform functionality to third parties.

Intellectual property

The Panoply name, branding, and platform software are the property of Panoply and its licensors. Nothing in these Terms grants you rights to our intellectual property beyond what is necessary to use the platform as intended.

Termination

We may suspend or terminate access to the platform for violation of these Terms, security concerns, or as required by law. You may stop using the platform at any time.

Disclaimers and limitation of liability

The platform is provided "as is" without warranties of any kind. To the maximum extent permitted by law, Panoply is not liable for indirect, incidental, or consequential damages arising from your use of the platform.

Changes to these Terms

We may update these Terms from time to time. Continued use of the platform after changes take effect constitutes acceptance of the revised Terms.