Terms of Service

1. Acceptance of Terms

By accessing or using the Mecx Lender platform (“Service”), you agree to these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

Mecx Lender is a multi-asset digital-asset lending platform. Eligible users may deposit supported crypto assets, participate in available lending activities, and request collateral-backed borrowing. Market coverage does not guarantee product availability; current assets, rates, durations, limits, and other terms are displayed before confirmation.

3. Eligibility

You must be at least 18 years old and legally permitted to use the Service in your jurisdiction. Product availability may depend on location, verification, and account status.

4. Account Registration

You must provide accurate information and keep it current. You are responsible for your credentials, devices, two-factor authentication, and all activity completed through your account.

5. Deposits and Withdrawals

• Deposits are credited after applicable network, payment, and review requirements.
• Withdrawals are subject to processing times, available balance, verification, limits, and possible manual approval.
• Minimum and maximum limits may apply and may change.
• You are responsible for entering the correct asset, network, wallet address, and destination tag or memo.
• Transfers made using incorrect details may be unrecoverable.

6. Earnings and Interest

Earnings are calculated according to the rate, calculation method, duration, payout interval, and other terms displayed for the selected lending option. Past or estimated performance does not guarantee future results.

7. Borrowing and Collateral

Borrowing may require eligible collateral, approval, and timely repayment. Before submitting, review the displayed LTV, interest, duration, collateral requirement, due date, and consequences of non-payment.

8. Affiliate Program

Eligible users may participate in the affiliate program. Current commission rates, qualification rules, and payment conditions are displayed in the account and may be modified.

9. Risks

Digital assets involve market, liquidity, custody, technology, counterparty, network, stablecoin, and regulatory risks. You acknowledge these risks and accept responsibility for your decisions.

10. Prohibited Activities

• Money laundering, fraud, sanctions evasion, or other unlawful activity.
• Attempting to exploit, disrupt, reverse engineer, or compromise the Service.
• Creating accounts to abuse promotions or affiliate programs.
• Using unauthorized automation, bots, or scraped access.
• Misrepresenting identity, ownership, or source of funds.

11. Availability and Changes

We may modify, suspend, restrict, or discontinue features and may update limits or terms. Planned and unplanned interruptions can occur.

12. Limitation of Liability

To the maximum extent permitted by law, Mecx Lender shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages; loss of profits, data, use, or goodwill; or losses caused by user error, third parties, networks, or events outside reasonable control.

13. Modifications

We may update these Terms. Changes become effective when posted with a revised date. Continued use after an update constitutes acceptance of the revised Terms.

14. Contact

Questions about these Terms may be sent through the Contact page.