Terms & Disclaimer

Sharpe Finance (the "Site") at sharpe.finance is an analytics and routing interface for Ethereum Virtual Machine (EVM) lending protocols, principally Morpho Blue and meta-vaults built on top of it. We do two things:

• Intelligence layer. We surface vault data — TVL, APY, allocations, exposures, risk and complexity scores — derived from on-chain state. Every number traces to a documented input.
• Deposit rail. We construct calldata that you sign with your own wallet to interact with third-party audited contracts — Morpho's Bundler3, GeneralAdapter1, MetaMorpho vaults, and Morpho Blue markets. We do not deploy or operate those contracts.

We are not a broker, dealer, exchange, money service business, investment advisor, or custodian. We do not hold or have access to your assets at any point. Every action originates from your wallet signature. We do not provide personalized financial, legal, or tax advice.

When you deposit, withdraw, or rebalance via Sharpe Finance, your funds move from your wallet to an audited Morpho contract (Bundler3 / GeneralAdapter1) for the duration of one atomic transaction, then to the destination MetaMorpho vault. At every step, the assets are governed by code you can inspect on-chain.

We do not, and cannot, custody your funds. We do not have any private key, multi-sig, or recovery mechanism over your wallet. If you lose access to your wallet, we cannot recover your positions for you. We do not freeze, reverse, or seize transactions. We do not have admin keys over the destination vaults.

DeFi protocols carry risks that traditional finance does not. By using Sharpe Finance you acknowledge you understand the following are real, material, and possible:

• Smart contract risk. Bugs, exploits, or unintended behavior in Morpho contracts, destination vaults, oracles, or any contract in the dependency graph could result in partial or total loss of deposited funds. Audits reduce but do not eliminate this risk.
• Market risk. Yields fluctuate, collateral can depeg, utilization can lock withdrawals temporarily or permanently, and liquidations can socialize losses to suppliers.
• Oracle risk. Morpho markets liquidate against oracle prices (typically Chainlink). Oracle malfunction, manipulation, or feed divergence from market price can cause unwarranted liquidations or solvent loans being foreclosed.
• Curator risk. MetaMorpho vault curators control allocation, caps, timelocks, and market selection. A curator acting maliciously or incompetently can degrade or destroy vault value within timelock-bounded windows.
• Bridge / routing risk. Where vaults route through V2 adapters or wrapped assets, additional contracts sit between you and your collateral. Failures anywhere in that chain affect your position.
• Counterparty & governance risk. Issuers of underlying assets (Circle for USDC, MakerDAO for DAI, Lido for stETH, etc.) can pause, freeze, or change parameters that affect your holdings.
• Gas, MEV, and execution risk. Transactions can fail, revert, or be reordered. Front-running and sandwich attacks are possible against any on-chain action.
• Regulatory risk. Crypto regulations vary by jurisdiction and are changing rapidly. Your use of these protocols may have tax, securities, or other regulatory implications you are solely responsible for.
• Frontend / interface risk. Our interface (this site) could itself contain bugs that misconstruct calldata, mislabel a vault, or display incorrect numbers. We mitigate but cannot eliminate this.

You can lose some or all of your deposited funds. Only deploy capital you are prepared to lose.

Nothing on Sharpe Finance is financial, investment, legal, or tax advice. Risk scores, complexity scores, AI-generated rationales, "best vault per asset" recommendations, allocation suggestions, depeg warnings, and any analyst-style copy on this site are informational only and are derived deterministically from on-chain inputs.

The numbers you see are point-in-time and can change between display and execution. You are solely responsible for evaluating any vault or transaction before approving it. Always verify destination contract addresses, allocation values, and expected behavior before signing.

Some surfaces on Sharpe Finance use language models to generate rationales (e.g. "why this vault is featured") or to translate plain-English goals into structured filter specifications (e.g. the Optimize Allocation panel). AI output is:

• Best-effort and can be wrong. Vault selections that follow an AI spec are deterministic and auditable, but the spec interpretation itself is probabilistic.
• Never a recommendation to take any specific action. Treat it as a starting point for your own research.
• Subject to provider availability and rate limits.

We charge a routing fee on transactions you initiate through our deposit rail. As of the date above:

• Deposit: 10 bps (0.10%)
• Withdraw: 5 bps (0.05%)
• Rebalance (atomic vault-to-vault): 10 bps (0.10%) flat, single skim

The fee is skimmed inside the same atomic bundle as your deposit / withdraw / rebalance, transferred to our treasury address. We can update these fees prospectively at any time; current values are visible in the transaction preview before you sign. We earn nothing from analytics features — fees only apply to the routing rail.

By using Sharpe Finance you represent and warrant that:

• You are at least 18 years old (or the age of majority in your jurisdiction).
• You are not a resident, citizen, or located in a jurisdiction subject to comprehensive sanctions by OFAC or another competent authority. This includes (without limitation) Cuba, Iran, North Korea, Syria, the Crimea, Donetsk, and Luhansk regions of Ukraine.
• You are not on the U.S. Specially Designated Nationals (SDN) list or any equivalent sanctions list of any jurisdiction.
• Your access to and use of the Site does not violate any law, regulation, or contract that applies to you.

We may, at our discretion, block access from specific jurisdictions or wallets without notice. You are solely responsible for ensuring your use of the Site complies with your local laws and tax obligations.

Sharpe Finance depends on a number of third-party services, none of which we control:

• Morpho Blue protocol contracts, MetaMorpho vault contracts, Bundler3 and adapters
• Morpho's public GraphQL indexer (for off-chain data)
• Chainlink, RedStone, and other price oracles
• WalletConnect, ConnectKit, RPC providers (Alchemy, Infura, etc.)
• Anthropic and other AI model providers
• Hosting providers (Vercel), database providers (Supabase), and email providers (Resend)

Outages, bugs, or policy changes by any of these parties can affect the Site or your transactions. We accept no liability for failures originating in third-party systems.

THE SITE AND ALL CONTENT, DATA, AND FUNCTIONALITY ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING (WITHOUT LIMITATION) WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AVAILABILITY, OR ACCURACY OF DATA. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL SHARPE, ITS OPERATORS, AFFILIATES, EMPLOYEES, OR CONTRIBUTORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF FUNDS, PROFITS, DATA, REVENUE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM OR RELATED TO YOUR USE OF THE SITE, ANY TRANSACTION ORIGINATED VIA THE SITE, ANY THIRD-PARTY CONTRACT OR SERVICE, OR ANY RELIANCE ON THE CONTENT OR DATA PROVIDED HEREIN, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WHERE LIABILITY CANNOT BE EXCLUDED BY LAW, OUR AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING FROM OR RELATING TO THE SITE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL ROUTING FEES YOU PAID US IN THE 12 MONTHS IMMEDIATELY PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (USD $100).

You agree to defend, indemnify, and hold harmless Sharpe Finance and its operators, affiliates, employees, and contributors from and against any claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of and access to the Site; (b) your violation of these Terms; (c) your violation of any third-party right, including any intellectual property, privacy, or proprietary right; (d) any claim that your use of the Site caused damage to a third party; or (e) any transaction you originate via the Site.

We collect the minimum data needed to operate the Site: wallet addresses you connect, on-chain interactions you initiate through the routing rail (for analytics and audit), and any email or contact information you voluntarily provide. We log a hashed fingerprint of your IP at the moment you accept these Terms, for audit purposes only. We do not sell your data. We use Vercel, Supabase, and similar standard providers; their policies apply to data they process on our behalf.

The Site's name, branding, layout, copy, and original code are our intellectual property or used under license. The risk-scoring methodology and proprietary analytics are ours. On-chain data and third-party content remain the property of their respective owners.

We may update these Terms at any time. Material changes (changes to your risk profile, fees, dispute resolution, or scope of liability) will be surfaced via a re-prompted acknowledgment before you can continue using the Site. Continued use after acceptance of updated Terms constitutes acceptance of the new version.

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of laws provisions. Any dispute arising from or relating to these Terms or the Site will be resolved exclusively in the state or federal courts located in Delaware. You waive any objection to venue or personal jurisdiction in those courts.

To the maximum extent permitted by law, any dispute will be resolved on an individual basis. You waive the right to participate in a class action, class arbitration, or representative proceeding.

Questions about these Terms or the Site: hello@sharpe.finance.

For institutional access, API keys, custom research, or partnership inquiries, use the form at /contact.