Terms of Service

Agreement to Terms

These Terms of Service ("Terms") are a binding agreement between you and Thrive DeFi, LLC ("Thrive," "Company," "we," "us," or "our") governing access to and use of the Thrive websites, applications, and related services (collectively, the "Services"), including thrive.fi and app.thrive.fi.

BY ACCESSING OR USING THE SERVICES, CREATING AN ACCOUNT, CONNECTING AN EXCHANGE, SUBSCRIBING, OR CLICKING TO ACCEPT THESE TERMS, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND THE POLICIES INCORPORATED BY REFERENCE. IF YOU DO NOT AGREE, DO NOT ACCESS OR USE THE SERVICES.

If you enter into these Terms on behalf of a corporation, partnership, or other legal entity, you represent and warrant that you have full legal authority to bind that entity. In that case, "you" and "your" refer to that entity.

The Privacy Policy, Acceptable Use Policy, and, where you join the program, the Affiliate Terms are incorporated into these Terms. Where Thrive processes personal data on behalf of an enterprise customer, the Data Processing Addendum governs that processing. Capitalized terms not defined in an incorporated policy have the meanings given in these Terms.

"Thrive Parties" means Thrive and its affiliates, officers, directors, employees, agents, licensors, and suppliers.

Eligibility and Sanctions

The Services are offered worldwide except where prohibited by law or restricted by Thrive. You are responsible for determining whether your use complies with the laws of your jurisdiction.

To use the Services, you must:

• Be at least 18 years of age, or the age of majority in your jurisdiction, whichever is greater
• Have the legal capacity to enter into a binding contract
• Not be barred from using the Services under applicable law
• Not be located in, ordinarily resident in, or a national of a country or territory subject to comprehensive U.S. or international sanctions, including territories restricted by the Office of Foreign Assets Control
• Not appear on any government restricted-party list

Thrive may suspend or refuse the Services in any jurisdiction, in its discretion, to comply with law or to manage legal, sanctions, or operational risk.

The Services

Thrive provides cryptocurrency market intelligence and trading workflow tools. Thrive is not a broker-dealer, exchange, alternative trading system, custodian, money transmitter, or registered investment adviser. Thrive does not hold customer funds, execute trades for you, or provide personalized investment, legal, or tax advice.

The Services may include:

• AI-generated market signals, alerts, and interpretations
• Market intelligence dashboards, including funding, liquidations, order flow, and on-chain metrics
• A trading journal, performance analytics, and exchange read-only sync
• AI Coach, AI Workbench, screener, and credit-based AI features
• Custom watchlists, alert packs, and notification delivery
• A Creator Marketplace for signals, notebooks, dashboards, formulas, and strategies
• Strategy Vaults and related subscription content, where available
• Educational content, including the blog, academy, glossary, and tools
• Affiliate and exchange-partner referral links

Features vary by subscription. Paid plans are Pro ($99/month or $999/year) and Pro+ ($199/month or $1990/year). Current limits and pricing are shown on our pricing page. Plan features may change on the notice described in these Terms.

No Advisory or Fiduciary Relationship

THRIVE DOES NOT PROVIDE FINANCIAL, INVESTMENT, LEGAL, OR TAX ADVICE. SIGNALS, ANALYTICS, AI OUTPUTS, CREATOR CONTENT, AND EDUCATIONAL MATERIALS ARE FOR INFORMATIONAL PURPOSES ONLY. NOTHING ON THE SERVICES IS A RECOMMENDATION, ENDORSEMENT, OR SOLICITATION TO BUY, SELL, OR HOLD ANY CRYPTOCURRENCY, TOKEN, DERIVATIVE, OR OTHER INSTRUMENT.

No fiduciary, advisory, brokerage, or agency relationship is formed by your use of the Services, by any communication from Thrive, or by any output the Services generate. You alone decide whether to trade, what to trade, and when to trade. You are solely responsible for your trading and investment decisions, for your tax positions, and for compliance with the laws that apply to you. Consult qualified professionals before you act.

Assumption of Risk

Cryptocurrency and derivatives markets are volatile. You can lose some or all of the capital you commit, including through leverage and liquidation. Past performance, including backtests, paper results, and Creator Content track records, is not indicative of future results.

Market data may be delayed, incomplete, or wrong. Third-party data sources, exchanges, blockchains, and models fail. You assume all risk arising from reliance on the Services, including risk from signals, screens, journals, AI Outputs, Creator Content, and educational material.

Trades you place are transactions between you and a third-party exchange or other venue. Thrive is not a party to those transactions, does not control those venues, and is not responsible for their availability, solvency, matching, custody, or settlement.

To the maximum extent permitted by law, you release the Thrive Parties from claims arising out of trading losses, liquidations, or decisions you make in reliance on the Services.

Accounts

To access paid or personalized features, you must create an account. You agree to:

• Provide registration information that is accurate, current, and complete, and to keep it updated
• Maintain the confidentiality of your credentials and restrict access to your account
• Notify Thrive promptly at security@thrive.fi of unauthorized access or a suspected compromise
• Accept responsibility for all activity under your account, whether or not you authorized it

One account per individual unless Thrive authorizes otherwise. Thrive may suspend or terminate accounts that violate these Terms or the Acceptable Use Policy, abuse refunds, or present security or legal risk.

Subscriptions, Billing, and Refunds

Plans and pricing

Paid subscriptions are Pro at $99/month (or $999/year) and Pro+ at $199/month (or $1990/year), paid from day one. There is no free trial. A referral link unlocks the journal only (CSV import and manual tracking), not the data desk. Academy is included with paid Pro and Pro+, or $197 on its own. Displayed prices on the pricing page and at checkout control. They may exclude applicable taxes calculated at checkout by our payment processor.

Auto-renewal and billing authorization

Paid subscriptions are billed in advance on a recurring basis, monthly or annually. By subscribing, you authorize Thrive and its payment processor to charge your payment method the displayed price on each renewal date until you cancel. Auto-renewal terms are disclosed at checkout. You are responsible for keeping payment details current. Thrive does not store full payment card numbers.

Cancellation

You may cancel at any time in Dashboard, then Settings, or in the billing portal where it is linked. Cancellation stops future renewals. Access continues through the end of the current paid period unless a refund under Refunds ends access immediately. Thrive does not provide partial-period refunds except where required by law or expressly stated in these Terms.

Refunds

Submit refund requests in Dashboard, then Settings. Thrive reviews requests and responds within one to two business days.

Paid plan. During the paid plan, $0 is charged. Full Pro access is included. Cancel before the trial ends to avoid the first $99 monthly charge. The trial itself does not generate a refundable payment.

First full subscription payment. After your first full-price $99 invoice, typically at the end of a trial you do not cancel, you may request a full refund of that first full subscription payment only. The request must be submitted within 7 calendar days of the charge date, and you must not have abused this policy, including by repeated sign-ups across related accounts. On approval, access ends immediately. This refund does not apply to renewals, re-subscriptions, or annual renewals after the first year.

Later charges. All later subscription charges are final and non-refundable, except where mandatory consumer law requires otherwise.

Credit packs and one-time purchases

AI credit packs and other one-time digital purchases are non-refundable once credits are delivered, consumed, or the digital content has been accessed. Thrive may correct a billing error at its discretion. Contact support@thrive.fi within 7 days of the charge.

Price changes

Thrive may change subscription prices on reasonable advance notice. A change applies on your next renewal after notice. If you do not agree, cancel before the renewal date.

Taxes

Fees are exclusive of taxes, duties, and similar governmental assessments. You are responsible for those amounts, except taxes based solely on Thrive's net income. Where the payment processor calculates and collects tax at checkout, that amount is added to the charge. Creators and affiliates are responsible for their own taxes.

EEA and UK consumers

If you are a consumer in the European Economic Area or the United Kingdom, you may have a statutory 14-day right to cancel a distance contract for digital services. By subscribing and immediately accessing digital content, you request immediate performance and acknowledge that you may lose the right of withdrawal once full digital delivery begins, to the extent permitted by law. Mandatory local consumer rights that cannot be waived still apply.

Acceptable Use

The Acceptable Use Policy is incorporated into these Terms. A violation may result in immediate suspension or termination, removal of content, and any other remedy available at law or in equity. Fees already paid remain subject to the refund terms above and to non-waivable law.

Intellectual Property

Thrive and its licensors own the Services, including software, signals, algorithms, interfaces, documentation, trademarks, and curated content, excluding User Content. Subject to your subscription and these Terms, Thrive grants you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Services for your own trading workflow.

You may not copy, modify, distribute, sell, lease, sublicense, reverse engineer, decompile, or create derivative works from the Services, except to the extent applicable law prohibits that restriction, or except as these Terms expressly allow, including export of your own journal data.

User Content

You retain ownership of content you submit, including journal entries, notes, and marketplace listings ("User Content"). You grant Thrive a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, display, and distribute User Content solely as needed to operate, secure, and support the Services, including display of Marketplace content to subscribers. The license ends when the User Content is deleted from the Services, except to the extent retention is required by law or permitted by the Privacy Policy.

You represent that you have the rights required to submit User Content and that it does not infringe any third-party right. Thrive may use aggregated or de-identified usage data to operate and improve the Services. Thrive does not sell your individual trading journal to third parties.

Creator Marketplace

The Workbench Marketplace lets creators publish signals, notebooks, dashboards, formulas, alert packs, and strategies ("Creator Content") and lets subscribers purchase or subscribe. This section supplements the rest of these Terms.

CREATOR CONTENT IS PUBLISHED BY INDEPENDENT USERS, NOT BY THRIVE. THRIVE DOES NOT ENDORSE, VERIFY, OR GUARANTEE CREATOR CONTENT, METHODOLOGY, OR PERFORMANCE. PAST OR HYPOTHETICAL PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.

Creator obligations

• You have the rights required to publish the Creator Content, and it is not misleading or unlawful
• You are solely responsible for descriptions, methodologies, and performance figures
• You will not offer investment advisory services where a license is required and you do not hold it
• You grant Thrive a license to host, market, and distribute Creator Content to subscribers

Subscriber terms

Paid Marketplace subscriptions auto-renew monthly until canceled, as disclosed at checkout. Access is personal and non-transferable and may not be redistributed. Cancel from the Marketplace. Access continues through the paid period.

Marketplace refunds

Marketplace charges are final and non-refundable except where required by law, for a billing error, or for a platform fault. Send disputes to support@thrive.fi within 7 calendar days. Credit-based template purchases are non-refundable once forked or accessed.

Creator payouts and taxes

• Thrive retains a platform fee, currently 20 percent. The remainder is paid through the payout account
• Creators are independent contractors and are responsible for their own taxes
• The payout provider may collect tax forms, including W-9, W-8, and DAC7 reporting, where required
• Sales tax or VAT may be collected at checkout where required

Moderation and notices

Thrive may remove Creator Content at its discretion. Copyright notices under 17 U.S.C. Section 512 may be sent to support@thrive.fi with the information that statute requires.

AI Outputs

The Services use third-party systems to generate interpretations, coaching, workbench answers, and related outputs ("AI Outputs"). AI Outputs are probabilistic. They may be wrong, incomplete, outdated, biased, or unfit for your purpose, including when a citation or confidence indicator is shown.

AI OUTPUTS ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY. THEY ARE NOT FINANCIAL, LEGAL, OR TAX ADVICE. YOU MUST NOT USE AN AI OUTPUT AS THE SOLE OR PRIMARY BASIS FOR A TRADE OR ANY OTHER HIGH-STAKES DECISION. YOU ASSUME ALL RISK FROM USE OF, RELIANCE ON, OR DISTRIBUTION OF AI OUTPUTS. THE THRIVE PARTIES HAVE NO LIABILITY FOR DECISIONS BASED ON AI OUTPUTS, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

• Credit-consuming features deduct from your monthly allocation or from purchased credits
• Thrive sends only the data needed for a request. Thrive does not use your data to train public foundation models. See the Privacy Policy
• Thrive may log prompts and outputs for safety, support, billing, and quality

Exchange Connections

Optional exchange linking uses read-only API credentials to import trades and balances. Thrive does not execute trades, hold funds, or request withdrawal permissions in its product flows.

• You are solely responsible for the API key permissions you grant on the exchange
• Exchange availability, rate limits, and data accuracy depend on third parties
• Thrive encrypts credentials at rest and does not guarantee exchange-side security
• You may disconnect and revoke keys at any time from Dashboard, then Connections

Affiliates and Exchange Partners

Thrive may earn a referral fee when you sign up at a partner exchange through a tracked link, or when someone subscribes through the Affiliate Program. A partner relationship is not an endorsement of any exchange. You trade on third-party platforms under their terms. Thrive is not a party to those trades.

Beta Features

Thrive may offer beta, preview, experimental, or early-access features ("Beta Features"). Beta Features are provided "AS IS," may be changed or withdrawn at any time without notice, and are excluded from any availability commitment. Your use of Beta Features is at your sole risk.

Feedback

If you provide suggestions, ideas, or other feedback about the Services ("Feedback"), you assign to Thrive all right, title, and interest in that Feedback. Thrive may use Feedback without restriction, attribution, or compensation.

Disclaimer of Warranties

THE SERVICES, INCLUDING ALL SIGNALS, DATA, AI OUTPUTS, CREATOR CONTENT, BETA FEATURES, AND RELATED MATERIALS, ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE THRIVE PARTIES DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, AND ACCURACY, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, THRIVE DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS; THAT DEFECTS WILL BE CORRECTED; THAT DATA WILL BE ACCURATE OR COMPLETE; OR THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR PRODUCE ANY PARTICULAR TRADING OR FINANCIAL RESULT.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ANY THRIVE PARTY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS, OR ANTICIPATED SAVINGS, OR FOR ANY TRADING LOSSES, LIQUIDATIONS, OR INVESTMENT LOSSES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR FOR ANY COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, INCLUDING RELIANCE ON SIGNALS, AI OUTPUTS, CREATOR CONTENT, OR THIRD-PARTY DATA, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF THRIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE AGGREGATE LIABILITY OF THE THRIVE PARTIES ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID THRIVE FOR THE SERVICES IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US $100).

These limitations are an essential basis of the bargain. Some jurisdictions do not allow certain limitations. In those jurisdictions, liability is limited to the maximum extent permitted by law. Nothing in these Terms limits liability that applicable law does not allow a contract to limit.

Indemnification

You will defend, indemnify, and hold harmless the Thrive Parties from and against any third-party claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to: (a) your User Content or Creator Content; (b) your use or misuse of the Services, including reliance on signals or AI Outputs; (c) your trading or exchange activity; (d) your violation of these Terms, the Acceptable Use Policy, the Affiliate Terms, or applicable law; (e) your violation of any third-party right; or (f) any dispute between you and your users, subscribers, or audience relating to the Services.

This indemnity does not apply to the extent a claim is caused by Thrive's fraud or willful misconduct, or to the extent applicable law prohibits indemnification. Thrive will give you prompt notice of a claim and reasonable cooperation, at your expense. Thrive may assume exclusive defense and control of the matter. You may not settle any claim without Thrive's prior written consent if the settlement imposes any obligation on a Thrive Party, admits fault on behalf of a Thrive Party, or requires a Thrive Party to pay money.

Suspension and Termination

Thrive may suspend or terminate access to the Services, with or without notice, if you breach these Terms or the Acceptable Use Policy, your use creates security, legal, or operational risk, you fail to pay fees, Thrive is required to do so by law, or Thrive discontinues the Services or a feature. You may stop using the Services at any time and may cancel a subscription as described above.

On termination, your right to access the Services ends. While an account is active, you may export data through the tools the Services provide. After termination, access ends except as required by law. Sections that by their nature should survive will survive, including ownership, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution.

Changes to the Services

Thrive may modify, suspend, or discontinue the Services or any feature at any time, with or without notice. Maintenance and third-party outages may affect availability. Status is posted at thrive.fi/status. Thrive is not liable for modifications or downtime except to the extent mandatory law requires.

Changes to These Terms

Thrive may revise these Terms. The effective date at the top of this page is the current version. Material changes, including changes to billing or the refund policy, will be posted with an updated date and, where required, notified to active subscribers by email or in-product notice at least 30 days before they take effect. Continued use after the effective date is acceptance where permitted. If you do not agree, cancel before the effective date and stop using the Services.

Governing Law and Disputes

These Terms and any dispute arising out of or relating to these Terms or the Services are governed by the laws of the State of Delaware, without regard to conflict-of-law rules, except where mandatory consumer-protection law in your country of residence requires otherwise.

Informal resolution

Before filing a claim, you will contact support@thrive.fi and allow 30 days to try to resolve the dispute informally.

Binding arbitration

Except for claims that qualify for small claims court, and except for requests for injunctive relief for intellectual-property infringement or unauthorized access, any dispute arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The seat of arbitration is Delaware, USA. The language is English. Judgment on the award may be entered in any court of competent jurisdiction. The arbitrator may award the same individual relief a court could award, subject to the limitation of liability in these Terms.

YOU AND THRIVE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING. TO THE EXTENT PERMITTED BY LAW, EACH PARTY WAIVES ANY RIGHT TO A TRIAL BY JURY.

Arbitration opt-out

You may opt out of arbitration within 30 days after you first accept these Terms by emailing legal@thrive.fi with the subject "Arbitration Opt-Out," your name, and the email address on your account. An opt-out does not affect any earlier agreement to arbitrate.

EEA, UK, and other mandatory rights

If you are a consumer in the EEA, the UK, or another jurisdiction where an arbitration agreement or class waiver is unenforceable, or where you have a non-waivable right to sue in local courts, those rights are unaffected. Nothing in this section deprives you of mandatory consumer protections.

Force Majeure

Thrive is not liable for any failure or delay caused by events beyond its reasonable control, including natural disasters, war, terrorism, civil unrest, labor disputes, sanctions, government action, internet or telecommunications failures, power outages, exchange outages, blockchain failures, or failures of third-party providers.

Assignment

You may not assign these Terms without Thrive's prior written consent. Any attempted assignment in violation of this section is void. Thrive may assign these Terms in connection with a merger, acquisition, reorganization, or sale of all or substantially all of its assets, without your consent.

Miscellaneous

Entire agreement. These Terms, together with the Privacy Policy, the Acceptable Use Policy, the Affiliate Terms where applicable, the Data Processing Addendum where applicable, and any order form Thrive executes with you, are the entire agreement regarding the Services and supersede all prior agreements on that subject.

Severability. If any provision is held invalid or unenforceable, the remaining provisions stay in effect, and the invalid provision will be modified to the minimum extent required to make it valid and enforceable.

No waiver. A failure to enforce a provision is not a waiver of that provision or any other provision.

No third-party beneficiaries. These Terms do not confer rights on any third party except the Thrive Parties, who may enforce the provisions that protect them.

Notices. Thrive may provide notices through the Services, by email to the address on your account, or by posting on the website. Legal notices to Thrive must be sent to legal@thrive.fi and to Thrive DeFi, LLC, 8 The Green Ste #11044, Dover, DE 19901, United States.

Contact

Thrive DeFi, LLC
8 The Green Ste #11044, Dover, DE 19901, United States

General: support@thrive.fi
Legal: legal@thrive.fi