Terms of Service

1 About these Terms

These Terms of Service ("Terms") govern your use of Maru, a browser extension that surfaces alternative swap rates for cryptocurrency transactions ("the Service").

The Service is provided by The Internet Community Company OÜ ("TICC OÜ", "we", "us", "our"), a private limited company registered in Estonia.

By installing or using Maru, you agree to these Terms. If you do not agree, do not install or use the extension.

These Terms work alongside our Privacy Policy, which explains how we handle data.

2 What Maru does

Maru is a browser extension that monitors swap transactions you initiate on supported third-party websites (such as decentralised exchanges and aggregators). When you start a swap, Maru queries third-party rate sources to check whether a better rate is available elsewhere, and surfaces that rate to you before you confirm.

In the current version of the Service, Maru displays the alternative rate and links you to the third-party site offering it. In future versions, Maru may also allow you to execute the alternative quote directly from the extension.

Maru does not:

• Custody, hold, or move your funds at any point.
• Execute swaps on your behalf in the current version of the Service.
• Provide financial, investment, tax, or legal advice.
• Recommend specific tokens, assets, or transactions.
• Guarantee that any rate displayed will be available when you act on it.

3 Quotes are time-sensitive

Swap rates in decentralised markets change continuously. Any rate Maru displays is a snapshot at the moment of the quote, sourced from a third party, and may no longer be available by the time you act on it. Slippage, gas costs, liquidity changes, MEV, and the behaviour of the third-party venue executing your transaction are outside our control and may cause the executed rate to differ from the rate Maru displayed.

You are solely responsible for reviewing transaction details on the executing venue before confirming any swap.

4 The Service is free

Maru is provided free of charge to end users. We do not currently take fees from end users or from the third-party rate sources we query. If this changes in the future, we will update these Terms and notify users in advance.

5 Eligibility

You may use Maru if:

• You are at least 18 years old, or the age of majority in your jurisdiction, whichever is higher.
• You are not located in, ordinarily resident in, or accessing the Service from a jurisdiction subject to comprehensive sanctions by the EU, UK, US (OFAC), or UN — currently including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine. This list may change in line with applicable sanctions regimes.
• You are not a person or entity on any applicable sanctions list.
• Using the Service does not violate the laws of your jurisdiction.

By using Maru you confirm these eligibility statements are accurate.

6 Acceptable use

You agree not to:

• Reverse-engineer, decompile, or disassemble the closed-source components of the Service.
• Use the Service to circumvent sanctions, launder funds, or facilitate any illegal activity.
• Use automated means to scrape, query, or overload our backend infrastructure.
• Interfere with or disrupt the Service or the third-party sites Maru operates on.
• Use the Service to impersonate any person or misrepresent your relationship to any entity.
• Use the Service in a way that breaches these Terms, applicable law, or the terms of any third-party site Maru interacts with.

We may suspend or terminate access to the Service (or specific features) for any user we reasonably believe is breaching this section.

7 Open source and intellectual property

The Maru browser extension client is open source and made available under its published licence. You may inspect, fork, and modify the client code in accordance with that licence.

The Maru backend — including our rate-fetching infrastructure, server code, and the systems that power the Service — is proprietary and closed-source. All intellectual property rights in the backend, our branding (including the name "Maru" and associated marks), our website, and any non-open-source materials are owned by TICC OÜ.

Nothing in the open-source licence of the client grants you any rights to our backend, trademarks, or other proprietary materials.

8 Third-party services

The Service interacts with third-party websites (decentralised exchanges, aggregators) and third-party rate sources (liquidity providers, routing protocols). We are not responsible for the operation, availability, accuracy, security, or terms of any third party. Your use of any third-party site or service is governed by that third party's own terms.

If you execute a swap on a third-party venue based on a rate Maru displayed, the swap is a transaction between you and that third party. TICC OÜ is not a party to the transaction and has no involvement in its execution, settlement, or outcome.

9 Risks you accept by using the Service

Cryptocurrency and decentralised finance involve substantial risks that are inherent to the technology and outside our ability to detect, prevent, or remedy. By using the Service, you acknowledge and accept the following risks in particular:

Smart contract risk. The third-party venues Maru routes to (decentralised exchanges, aggregators, liquidity protocols, routing protocols) execute transactions through smart contracts that we did not write, do not control, and have not audited. Smart contracts may contain bugs, design flaws, or vulnerabilities — including ones that have not yet been discovered — that can result in partial or total loss of funds. Audits and historical safety do not guarantee future safety. We do not endorse, vouch for, or warrant the security of any smart contract or protocol Maru interacts with, including any to which Maru displays a route.

Frontend and infrastructure risk. Even when a third-party site is legitimate, its frontend may be compromised by attacks against infrastructure outside the protocol's smart contracts — including DNS hijacking, registrar compromise, hosting compromise, BGP hijacking, or interface tampering. In such attacks the URL displayed in your browser may be correct while the page you see is malicious and designed to drain wallets that connect to it. Maru cannot reliably detect these attacks and may route you to a legitimate site that has been compromised at the time of your visit, or to a site that becomes compromised after Maru's route is generated.

Maru's own infrastructure. The same categories of attack can in principle affect our own infrastructure (our backend, domain, update channels, or extension distribution). We take reasonable security measures, but no system is immune. To the maximum extent permitted by law, we are not liable for losses resulting from compromise of our infrastructure by third parties.

Other on-chain risks. These include but are not limited to: price volatility; slippage; MEV (front-running, sandwich attacks, back-running); failed transactions for which gas is nevertheless consumed; oracle manipulation; bridge failures; protocol governance attacks; chain reorganisations; and the irreversibility of on-chain transactions.

Wallet approvals. Many DeFi interactions require you to grant a smart contract approval to spend tokens from your wallet. These approvals can persist indefinitely and can be exploited if the approved contract is malicious or later compromised. You are responsible for managing and revoking approvals you have granted, including approvals granted as a result of a transaction Maru routed you to.

This list is not exhaustive. The decentralised finance ecosystem evolves rapidly and new categories of risk emerge regularly.

10 Disclaimer of warranties

To the maximum extent permitted by law, the Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, reliability, availability, security, or non-infringement.

We do not warrant that:

• The Service will be uninterrupted, error-free, or secure.
• Rates displayed by Maru will be accurate, available, or the best rates obtainable.
• The third-party sites, protocols, or smart contracts Maru routes to are safe, available, accurate, or free from compromise.
• The Service will be compatible with all browsers, devices, or third-party sites.
• Any defects will be corrected.

11 Limitation of liability

To the maximum extent permitted by law, TICC OÜ and its directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or for any loss of profits, revenues, data, goodwill, or other intangible losses, arising out of or relating to your use of the Service.

Our total aggregate liability to you for all claims arising out of or relating to the Service is limited to EUR 100.

Consumer rights carve-out. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including liability for gross negligence, wilful misconduct, fraud, or death or personal injury caused by negligence. If you are a consumer, you may have mandatory rights under the consumer protection laws of your country of residence that override the provisions of this section.

12 Your responsibility for transactions

You are solely responsible for:

• Verifying every transaction in your wallet before signing. The transaction details shown by your wallet (recipient address, contract being called, tokens being approved, amounts) are the source of truth — not what is displayed by any website UI, including the site Maru routed you to. An unfamiliar transaction structure, an unexpected approval request, or a request to interact with an unfamiliar contract is a red flag even on a familiar URL.
• Independently verifying that the third-party site you are interacting with is the legitimate site for that protocol, particularly given the prevalence of frontend, DNS, and phishing attacks in the DeFi ecosystem.
• Understanding the risks of cryptocurrency transactions, including those described in Section 9.
• The security of your wallet, private keys, and seed phrases. Maru never sees or has access to these.
• Managing and, where appropriate, revoking token approvals you have granted to smart contracts.
• The tax, legal, and regulatory consequences of your transactions in your jurisdiction.

Cryptocurrency transactions are generally irreversible. We cannot recover lost funds, reverse a transaction, or compensate you for a transaction that did not go as you expected — including a transaction signed on a site that was compromised at the time of your visit.

13 Indemnity

You agree to indemnify and hold harmless TICC OÜ and its directors, employees, and agents from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:

• Your breach of these Terms.
• Your misuse of the Service.
• Your violation of any applicable law or the rights of any third party.
• Any transaction you execute on a third-party venue.

14 Termination

You may stop using the Service at any time by disabling or uninstalling the extension.

We may suspend, modify, or discontinue the Service (or any feature of it) at any time, with or without notice. We may also terminate or restrict your access to the Service if we reasonably believe you are in breach of these Terms.

Sections 7 (IP), 9 (risks), 10 (warranties), 11 (liability), 12 (your responsibility), 13 (indemnity), and 16 (governing law) survive termination.

15 Changes to these Terms

We may update these Terms from time to time. The version number and effective date at the top of this document will reflect the most recent version.

For material changes, we will provide reasonable notice through the extension or our website before the changes take effect. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms. If you do not agree to the changes, stop using the Service.

16 Governing law and jurisdiction

These Terms are governed by the laws of the Republic of Estonia, without regard to its conflict-of-laws principles.

Any dispute arising out of or in connection with these Terms or the Service will be subject to the exclusive jurisdiction of the courts of Estonia.

Consumer rights carve-out. If you are a consumer resident in the EU or UK, mandatory consumer protection laws of your country of residence apply alongside this section, and you may have the right to bring proceedings in your local courts. EU consumers may also use the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

17 Miscellaneous

• Entire agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and TICC OÜ regarding the Service.
• Severability. If any provision of these Terms is held unenforceable, the remaining provisions remain in full force.
• No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
• No assignment. You may not assign these Terms. We may assign them to an affiliate or in connection with a corporate transaction.
• No agency. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship.

18 Contact

For questions about these Terms, contact us at contact@usemaru.com.