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Last updated: March 8, 2026
Dynamo Finance is a non-custodial, decentralized protocol. These Terms govern your access to and use of the interface. Blockchain transactions are irreversible, please proceed with caution.

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1. Acceptance of Terms

By accessing or using Dynamo Finance (“Protocol,” “we,” “us,” or “our”), you agree to be bound by these Terms of Service. If you do not agree, you must not access or use the Protocol. These Terms constitute a legally binding agreement between you and Dynamo Finance.

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2. Eligibility

You may only use the Protocol if you:
  • Are at least 18 years of age and capable of entering a binding contract.
  • Are not located in, or a national of, any jurisdiction subject to sanctions or restrictions that prohibit use of the Protocol.
  • Comply with all applicable laws and regulations in your jurisdiction.

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3. Nature of Services

Dynamo Finance provides a non-custodial interface to decentralized lending and borrowing smart contracts built on public blockchains.
Important: The core lending and borrowing functionality on Dynamo Finance is powered by Morpho smart contracts. Dynamo Finance does not own, control, or have administrative access to those contracts. We cannot pause, modify, or reverse any transaction executed through Morpho’s on-chain smart contracts. Accordingly, Dynamo Finance accepts no responsibility for the behavior, security, or outcomes of the Morpho protocol.
  • We do not hold, control, or take custody of your digital assets at any time.
  • All transactions are executed autonomously by smart contracts.
  • We do not guarantee any returns, yields, or financial outcomes.

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4. Permitted Use

You may use the Protocol solely for lawful purposes consistent with these Terms, including lending cryptocurrency, borrowing against collateral, and depositing into yield vaults on supported networks.

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5. Prohibited Activities

You agree not to use the Protocol for any of the following:
  • Money laundering, terrorist financing, or any activity that violates applicable sanctions laws (including OFAC).
  • Fraud, market manipulation, or deceptive practices.
  • Unauthorized access to systems or circumvention of security measures.
  • Any activity prohibited by applicable laws in your jurisdiction.
We reserve the right to restrict or block access from sanctioned jurisdictions or flagged addresses.

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6. Risk Disclosure

DeFi protocols carry significant risks including, but not limited to:
  • Smart contract vulnerabilities and exploits
  • Oracle failures and price manipulation
  • Liquidation due to market volatility
  • Regulatory changes affecting access or tax treatment
  • Potential total loss of deposited assets
By using the Protocol, you acknowledge that you understand and accept these risks. See the full Risk Disclaimer for a comprehensive breakdown.

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7. No Financial Advice

Nothing on this platform constitutes financial, investment, legal, or tax advice. You are solely responsible for your investment decisions. Past performance does not guarantee future results. Consult qualified professionals before making any financial decisions.

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8. Intellectual Property

The Protocol’s interface, design, and documentation are protected by intellectual property laws. The underlying smart contract code is open-source under its applicable license. You may not reproduce or redistribute our proprietary interface without express written permission.

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9. Limitation of Liability

To the maximum extent permitted by law, Dynamo Finance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Protocol, including losses resulting from smart contract behavior (including Morpho contracts), oracle failures, liquidations, or market conditions. Our total aggregate liability shall not exceed $100 USD.

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10. Indemnification

You agree to indemnify and hold harmless Dynamo Finance and its affiliates, officers, agents, and employees from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of the Protocol or violation of these Terms.

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11. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with applicable law, without regard to conflict of law provisions. Any disputes shall be resolved through binding arbitration in accordance with the rules of the applicable arbitration body. You waive any right to participate in a class-action lawsuit or class-wide arbitration.

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12. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated by updating the Last Updated date. Your continued use of the Protocol after such changes constitutes acceptance of the revised Terms.

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13. Contact

For questions about these Terms: legal@dynamo.finance or our official Discord community channel.