Terms of Use of the website www.for-yield.com

Updated as of 10 October 2025

Preamble

These Terms of Use (hereinafter the “Terms”) govern access to and use of the website www.for-yield.com (hereinafter the “Site”), published by ForYield SAS.
They set out the respective rights and obligations of ForYield and any natural or legal person using the Site or the related services (hereinafter the “User”).

ForYield conducts its activities within the legal framework applicable to Virtual Asset Service Providers (VASP), in accordance with Regulation (EU) 2023/1114 (“MiCA”), European and French Anti-Money Laundering and Counter-Terrorist Financing rules (“AML/CFT”), as well as the General Data Protection Regulation (GDPR – EU 2016/679).

Access to or use of the Site constitutes full and unconditional acceptance of these Terms. Users are invited to read them carefully before browsing the Site or creating an account.
If the User does not accept all or part of the Terms, they must immediately cease using the Site.
The Terms are permanently available on the Site and constitute an adhesion contract between ForYield and the User.

Article 1 – Identification of the publisher

The website www.for-yield.com is published by:
ForYield SAS, a French société par actions simplifiée with share capital of €1,000,
registered with the Paris Trade and Companies Register under number 989 493 200,
with its registered office at 60, rue François 1er, 75008 Paris, France.
The publishing director is Mr. Quentin Hopp, acting in his capacity as President.
Contact: contact@for-yield.com

Regulatory partners
Equisafe Digital Markets, a company registered in Poland as a Virtual Asset Service Provider (VASP) and in the process of obtaining CASP (Crypto-Asset Service Provider) authorisation under the European MiCA Regulation. Equisafe Digital Markets provides secure custody of digital assets, regulatory structuring, and maintenance of tokenised records on behalf of users.
Lemonway, a payment institution authorised in France by the ACPR (Banque de France) under licence number 16568, acts as payment service provider for ForYield, in cooperation with Equisafe.
ForYield thus operates in partnership with these regulated entities to ensure the security, compliance and transparency of the services offered.

Article 2 – Purpose and scope

2.1 Purpose of the Terms

These Terms are intended to define:

the conditions for access to and use of the Site and its services;
the rules applicable to the creation and management of a user account;
the respective rights and responsibilities of ForYield and Users.

They apply to any use of the Site, whether purely informational or transactional, and form an indivisible contractual whole together with any specific commercial terms or investment mandates entered into where applicable.

2.2 Geographic scope

The services offered by ForYield are intended exclusively for persons residing within the European Union.
ForYield reserves the right to restrict or refuse access to the Site from certain jurisdictions for regulatory, security or tax-compliance reasons.
The User is solely responsible for verifying that the services offered are permitted in their country of residence and are compliant with their legal and tax situation.

2.3 Enforceability and acceptance

Access to, browsing or use of the Site constitutes unconditional acceptance of these Terms.
By ticking the box “I have read and accept the Terms of Use” during registration, the User acknowledges having read the Terms and agrees to be bound by them.
The Terms are enforceable against any User for the entire period of use of the Site and until the closure of their account.

Article 3 – Services offered on the Site

3.1 General description of services

The Site www.for-yield.com enables users to access a range of services relating to the management and enhancement of crypto-assets, provided under the supervision and responsibility of ForYield and its regulated partners.

The services available on the Site include in particular:

An information and education area
Publication of educational content, market analyses and news relating to crypto-assets.
Such information is provided strictly for informational purposes and does not constitute investment, legal or tax advice of any kind.

An online investment simulator
This tool enables the user to assess different investment and return scenarios based on customised parameters.
Results obtained via the simulator are indicative only and non-contractual.
ForYield specifies that past performance is not indicative of future results and that no return is guaranteed.

Opening a user account and access to a secure personal area
The user may create an account to access transactional features: subscription, reporting, portfolio consultation, performance tracking, etc.
The personal area also provides access to regulatory documents (mandates, reports, supporting documents) and allows interaction with ForYield customer support.

Subscription to digital-asset yield management mandates
ForYield products, identified in particular under the codes BTCFY, ETHFY, EURFY, USDFY, are based on so-called “market-neutral” strategies (limited exposure to market volatility).
These products are offered in partnership with Equisafe Digital Markets (structuring and custody) and Lemonway (payment processing).
Subscription to and monitoring of these mandates is carried out exclusively via the Site, after validation of the user profile and completion of the required regulatory checks.

3.2 No personalised advice

ForYield does not provide individualised investment advice, nor tax or legal advice.
Users remain fully responsible for their decisions and must ensure that the products offered are suitable for their financial situation, objectives and risk tolerance.
It is strongly recommended to seek, where appropriate, independent financial advice before making any investment.

3.3 Service changes

ForYield reserves the right to modify, supplement or suspend all or part of the Site’s features at any time, notably for security, maintenance or regulatory-compliance reasons.
Such changes may be accompanied by new specific terms or an update of these Terms.

Article 4 – Creation, validation and security of the User Account

4.1 Eligibility

Opening an account on the Site is reserved for:

natural persons of legal age, at least 18 years old and legally capable; and
legal entities duly incorporated in a Member State of the European Union, acting through a duly authorised legal representative.

Access to ForYield’s services is prohibited to politically exposed persons (PEPs), residents of sanctioned countries, or any person who does not meet the legal requirements for compliance and identity verification.

4.2 Registration process

To create an account, the user must:

provide identity information (first name, last name, date of birth, email address, etc.);
provide the documents necessary for identity verification;
accept these Terms and ForYield’s Privacy Policy; and
receive account-opening confirmation by email.

For legal entities, a Know Your Business (KYB) procedure is implemented and requires submission of additional documents (articles of association, proof of registered office, identity of directors and beneficial owners, etc.).

4.3 Identity verification (KYC / KYB)

ForYield applies a strict AML/CFT compliance policy in partnership with specialised providers.
Validation of an account is subject to the completeness and compliance of the documents submitted.
Any unvalidated account may be blocked, restricted or deleted until regularised.

4.4 Security and confidentiality of credentials

The user must choose a strong and unique password.
They are encouraged to activate two-factor authentication (2FA) offered by ForYield.
The user is solely responsible for safeguarding and maintaining the confidentiality of their credentials. Any action performed on the Site using such credentials is deemed to originate from the user.
In the event of loss, theft or fraudulent use, the user must immediately notify ForYield at: contact@for-yield.com.
ForYield will then implement the necessary measures: temporary suspension, access reset or account blocking.

4.5 Suspension or deletion of the account

ForYield reserves the right to suspend or close a user account in the following cases:

non-compliance with the Terms or with legal obligations;
inconsistency, inaccuracy or falsification of identity documents;
suspicion of fraudulent activity, money laundering or terrorist financing;
inappropriate behaviour towards ForYield staff or other users;
prolonged inactivity combined with inability to contact the user.

In the event of closure, the user will be informed by any appropriate means (email, notification in the client area, etc.).
Account closure does not give rise to any compensation.
Any suspension or termination for legal reasons may be accompanied by a report to the competent authorities.

Article 5 – Use of the Site and User obligations

5.1 General principles of use

The User undertakes to use the Site, its services and features in compliance with:

applicable laws and regulations;
these Terms; and
rules of good conduct and online courtesy.

Access to the Site is under the User’s sole responsibility.
Any use of the Site or its content for fraudulent purposes, unauthorised commercial purposes, or contrary to public policy is strictly prohibited.

5.2 Prohibited conduct

The User is expressly prohibited from:

using the Site in connection with illegal or unauthorised activities (fraud, money laundering, terrorist financing, scams, market manipulation, etc.);
impersonating a third party, misrepresenting or concealing their true identity;
disrupting the proper functioning of the Site (intrusion, cyberattack, overload, automated data extraction, etc.);
circumventing the security measures implemented by ForYield;
publishing or transmitting content that is illegal, defamatory, offensive, discriminatory or contrary to public decency;
reproducing, copying, distributing or exploiting any part of the Site without prior written authorisation.

Any breach of these prohibitions may result in immediate suspension of the user account and civil and/or criminal proceedings.

5.3 Zero-tolerance and regulatory compliance

ForYield applies a zero-tolerance policy with respect to illegal or suspicious activities.
In compliance with its legal obligations (AML/CFT, MiCA), ForYield reserves the right to:

analyse and monitor suspicious transactions,
temporarily block an account or funds, and
report any activity to the competent financial intelligence unit (TRACFIN or the European equivalent).

ForYield shall not be liable for measures taken to comply with such legal obligations.

5.4 Access and availability

ForYield endeavours to keep the Site accessible 24/7, subject to interruptions required for maintenance, updates or technical incidents.
The User acknowledges that the Internet may experience failures beyond ForYield’s control and that the Site is provided “as is” without any guarantee of permanent accessibility.
ForYield shall not be liable for:

temporary inability to access the Site;
network slowdowns or outages; or
indirect damages resulting from such interruptions.

Article 6 – Risks related to crypto-assets and warnings

6.1 General risks of crypto-assets

The User is informed that investments in digital assets carry a high level of risk.
Crypto-assets are volatile, unregulated in certain jurisdictions and may lose all or part of their value.
No return or performance is guaranteed.

Key risks include:

total or partial loss of the capital invested;
extreme volatility of the crypto-asset market;
insufficient liquidity on certain secondary markets;
counterparty risk linked to third-party platforms or protocols; and
technological risk (cyberattack, bug, loss of access, human error).

6.2 No guarantee

ForYield, its partners or service providers do not guarantee:

achievement of any minimum return,
preservation of capital, or
uninterrupted continuity of market services.

Past or estimated performance has no predictive value for future results.
Any figures, simulations or estimates provided on the Site are purely indicative.

6.3 No statutory deposit guarantee

Digital assets held or managed via ForYield’s partners do not benefit from deposit guarantee schemes nor from the protection of the French Deposit Guarantee and Resolution Fund (FGDR) applicable to traditional bank accounts.
The User should therefore commit only amounts they can afford to lose.

6.4 Technological risks and cybersecurity

IT systems and blockchain technologies have inherent vulnerabilities.
Despite implementing security measures in line with industry standards, no protection is absolute.
ForYield shall not be liable for:

a cyberattack, virus or security breach in the absence of proven gross negligence on its part;
loss of access linked to a forgotten password, misconfiguration or a compromised external wallet;
failure of an underlying blockchain protocol (hard fork, bug, etc.).

6.5 User recommendations

Before making any investment, the User is strongly advised to:

learn about the functioning and risks associated with digital assets;
diversify their investments;
never invest funds they cannot afford to lose; and
consult, if necessary, an independent financial adviser.

ForYield reminds Users that they bear sole responsibility for their investment decisions.

Article 7 – Liability of ForYield and third-party partners

7.1 General principle of liability

ForYield endeavours to ensure the reliability, quality and security of the services offered on the Site.
However, ForYield is bound by an obligation of means only, not of result.
The User acknowledges that they use the Site and related services at their own risk.
ForYield shall not be liable for the consequences of improper use of the Site, unsuitable investment decisions, or any loss arising from conduct contrary to the Terms.

7.2 Liability of regulated partners

ForYield acts in cooperation with:

Equisafe Digital Markets, responsible for the structuring of investment products, custody of tokenised digital assets and the associated regulatory framework; and
Lemonway, responsible for managing financial flows and payments related to transactions carried out on the Site.

Any liability relating to asset custody, position liquidation or proper execution of payments lies exclusively with the relevant partner, in accordance with its own contractual terms.
ForYield cannot be held liable for:

technical incidents, unavailability or failure of the regulated provider;
freezing, blocking or delayed transfer of assets or funds ordered by a regulatory or judicial authority; or
loss of access following a suspension of service decided by a partner.

7.3 Limitation of liability

To the fullest extent permitted by law, ForYield’s total liability, regardless of the cause, shall not exceed the amount of fees received for the relevant service during the twelve (12) months preceding the event giving rise to the claim.
In no event shall ForYield be liable for:

indirect or non-pecuniary damages (loss of opportunity, revenue, clientele, goodwill, data, etc.);
bankruptcy or insolvency of a partner or a blockchain protocol; or
the effects of force majeure or an irresistible external event (widespread network outage, war, natural disaster, etc.).

7.4 Third-party services and content

Certain content, links or services available on the Site may originate from external sources (e.g., news, economic studies, market feeds).
In such cases ForYield acts as a distributor and does not guarantee their accuracy, availability or legal compliance.
ForYield shall not be liable for third-party content that is inaccurate, outdated, unlawful or likely to mislead the User.

Article 8 – IT security and electronic evidence

8.1 Security measures

ForYield implements technical and organisational measures consistent with security standards in the financial industry in order to ensure:

protection of systems and data;
prevention of intrusions and unauthorised access; and
continuous monitoring of the integrity of the information system.

These measures include, inter alia: encrypted communications (SSL/TLS), secure storage of sensitive data, logging of connections, intrusion detection and periodic security audits.
The User is informed that no IT system is infallible, and remains responsible for securing their own digital environment (antivirus, firewall, software updates).

8.2 Electronic evidence

Electronic records (logs, access histories, transactions, electronic correspondence) kept by ForYield or its partners shall be admissible and evidential between the parties.
Such data shall be admissible in court and shall have the same evidential value as any paper document, save for a challenge based on proven fraud or manifest alteration.

8.3 Incident notification

In the event of a security incident affecting user data or accounts, ForYield undertakes to:

notify the incident as soon as possible to the competent authorities (CNIL, ACPR, etc.);
inform affected users if the incident poses a risk to their rights or assets; and
cooperate with supervisory authorities in accordance with transparency obligations.

ForYield reserves the right to temporarily suspend access to the Site or certain services in the event of a proven threat to system security.

Article 9 – Taxation and the User’s reporting obligations

9.1 Individual tax responsibility

Each User remains solely responsible for their tax obligations.
It is the User’s responsibility to declare, in accordance with the laws and regulations in force in their country of residence:

income generated by their investments in crypto-assets;
capital gains or losses realised;
any holding of digital assets abroad; and
any taxable transaction arising from the use of ForYield’s services.

ForYield does not provide tax or accounting advice and shall not be liable for any omission, filing error or tax reassessment incurred by the User.

9.2 Information and assistance

ForYield provides users with informative documentation and links to official resources (tax administration, supervisory authorities).
Such information is indicative only and does not constitute binding tax advice.

9.3 Regulatory compliance

ForYield applies transparency obligations provided for under European regulations (MiCA, DAC8, AML/CFT).
As such, ForYield may be required to transmit certain tax data (identity, asset volumes, transactions) to the competent authorities, as provided by law.

Article 10 – Intellectual property

10.1 Ownership of rights

All elements appearing on the Site—texts, graphics, logos, images, illustrations, videos, source code, databases, simulation models or interfaces—are the exclusive property of ForYield SAS or its duly authorised partners.
These elements are protected by French and international intellectual property laws, including copyright, trademark and database rights.

Nothing in these Terms shall be construed as conferring upon the User any ownership right or any licence other than a personal, limited, non-exclusive and non-transferable right to access and use the Site for their strictly personal and non-commercial needs.

10.2 Prohibitions

The User shall not:

reproduce, display, copy, modify, adapt, translate or distribute all or part of the Site without ForYield’s prior written authorisation;
extract or re-use, on a repeated or systematic basis, all or part of the Site’s content, including for commercial purposes;
carry out reverse engineering, disassembly, decompilation or technical analysis of ForYield’s code or tools;
use software, robots or scripts for data extraction (“scraping”, “crawling”) without prior consent;
divert Site content for competitive, advertising or malicious purposes.

Any breach of these prohibitions constitutes an act of infringement that may give rise to civil and criminal liability.

10.3 Hyperlinks

ForYield may provide hyperlinks to other sites for informational purposes.
ForYield has no control over such third-party sites and disclaims any responsibility for their content, reliability or legal compliance.
Conversely, creating links to the ForYield Site is subject to prior written authorisation.
Any unauthorised use may give rise to legal action.

Article 11 – Business continuity and transfer

11.1 Service continuity

ForYield undertakes to maintain continuity of its services under reasonable conditions of security and regulatory compliance.
In the event of a major malfunction, ForYield will implement all necessary measures to restore access to the Site and inform Users as soon as possible.

11.2 Assignment or transfer of business

In the event of a merger, acquisition, or partial or total business transfer, ForYield reserves the right to transfer to the successor company all rights and obligations arising from these Terms, provided that such successor ensures an equivalent level of protection of Users’ rights.
The User will be informed by any appropriate means (notification on the Site, email or official publication).
Such transfer shall not entitle the User to any compensation, provided that service continuity is ensured.

11.3 Cessation of business

In the event of a permanent cessation of ForYield’s activities, Users will be informed with reasonable notice.
ForYield will communicate the practical arrangements for the recovery of funds or assets held by its regulated partners (notably Equisafe Digital Markets).

Article 12 – Term, amendments and termination of the Terms

12.1 Effective date and duration

These Terms take effect upon the User’s first use of the Site and remain applicable for the entire period of use of the Site and related services. They are tacitly renewed upon each new connection by the User.

12.2 Amendments to the Terms

ForYield reserves the right to modify, update or supplement these Terms at any time, notably in order to:

comply with legal, regulatory or technical developments;
adapt its services or partnerships; or
strengthen security or compliance rules.

In the event of a material amendment, ForYield undertakes to inform Users by any appropriate means prior to the effective date of the new provisions (notification on the Site, email, or alert in the client area).
The update date will appear in the header of the document.
Continued use of the Site after the effective date of the new Terms constitutes full acceptance thereof.
In the event of disagreement, the User must cease using the Site and may request closure of their account.

12.3 Termination by the User

The User may terminate their account at any time, at no cost, by sending a request to ForYield by email or via their personal area.
Before termination, the User is responsible for:

ensuring that no transaction is pending;
downloading their documents and histories; and
recovering, where applicable, their assets from the custodian partner.

Once termination becomes effective, access to the personal area is permanently deleted.
ForYield will retain certain data strictly necessary for legal or regulatory purposes for the required retention period.

12.4 Termination by ForYield

ForYield may terminate the contractual relationship and close a User’s account in the following cases:

serious or repeated breach of the Terms;
fraud, money laundering or illegal activity;
refusal to provide or update required KYC/KYB information;
prolonged inactivity associated with a security or compliance risk;
order from an administrative or judicial authority.

Depending on the seriousness of the grounds, termination may occur without notice.
The User will be informed by any appropriate means.
ForYield may cooperate with the competent authorities where legally required.
Termination at ForYield’s initiative does not give rise to any compensation for the User, unless otherwise provided by law.

12.5 Temporary suspension

ForYield may, as a preventive measure, temporarily suspend access to an account in the event of suspected fraud, regulatory control, technical maintenance or KYC data updates.
Suspension does not constitute termination and will be lifted once the situation is regularised.

Article 13 – Governing law, jurisdiction and arbitration

13.1 Governing law

These Terms are governed by French law.
They were drafted in French, which alone shall prevail in the event of any discrepancy in interpretation with a translation into another language.
Any non-French-speaking User acknowledges that it is their responsibility to have the content of these Terms translated and understood before using the Site.

13.2 Amicable settlement of disputes

In the event of a dispute concerning the interpretation, validity or performance of these Terms, the parties shall endeavour to resolve the dispute amicably and in good faith within a reasonable period following notification of the disagreement by either party.
This attempt at conciliation constitutes a mandatory prior condition before any contentious proceedings, except in cases of manifest urgency.

13.3 Jurisdiction

Failing an amicable resolution, any dispute shall be submitted to the exclusive jurisdiction of the Paris Commercial Court (Tribunal de commerce de Paris), including in summary proceedings, in the event of multiple defendants or third-party claims.
This choice of forum applies subject to mandatory consumer-protection provisions under European or national law.

13.4 Arbitration for professional users

For professional users, companies or partners, the parties may agree, by mutual consent, to submit their dispute to institutional arbitration under the auspices of the Paris Mediation and Arbitration Centre (CMAP).
The proceedings shall be conducted in French in accordance with the CMAP Rules in force at the time of the referral.
The arbitral award shall be binding on the parties.

Article 14 – Miscellaneous

14.1 Severability

If any provision of these Terms is held null, unlawful or unenforceable by a competent court, it shall be deemed unwritten, without affecting the validity of the remaining provisions.
The other clauses shall remain in full force and effect, unless the overall balance of the contract is thereby fundamentally altered.

14.2 Waiver

The fact that ForYield does not invoke, at any given time, any provision of these Terms shall not be construed as a waiver of its right to invoke it at a later date.
Any waiver of a right shall only be effective if set out in a written document signed by ForYield.

14.3 Enforceability and evidence

These Terms are enforceable against any User as from their publication on the Site.
Versions archived electronically by ForYield shall constitute proof between the parties.

14.4 Communication and contact

For any questions regarding these Terms or the use of the Site, the User may contact ForYield at: contact@for-yield.com

14.5 Entire agreement

These Terms constitute the entire agreement between ForYield and the User regarding use of the Site.
No general or specific terms contained in documents issued by the User shall prevail hereover, unless expressly agreed in writing by ForYield.

Institutional validation clause

ForYield thanks its users for their trust and commitment to a responsible, compliant and transparent digital finance ecosystem.
The company undertakes to maintain a high level of regulatory compliance and security, in line with European standards (MiCA, AML/CFT, GDPR).

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