Terms, Conditions, Disclosures & Privacy

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Terms of Service

1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Company’s web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
modify or copy the materials;
use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
attempt to decompile or reverse engineer any software contained on Company’s web site;
remove any copyright or other proprietary notations from the materials; or
transfer the materials to another person or ‘mirror’ the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Company at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

The materials on Company’s web site are provided ‘as is’. Company makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Company does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall Company or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Company’s Internet site, even if Company or a Company authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on Company’s web site could include technical, typographical, or photographic errors. Company does not warrant that any of the materials on its web site are accurate, complete, or current. Company may make changes to the materials contained on its web site at any time without notice. Company does not, however, make any commitment to update the materials.

6. Links

Company has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Company of the site. Use of any such linked web site is at the user’s own risk.

7. Site Terms of Use Modifications

Company may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law

Any claim relating to Company’s web site shall be governed by the laws of Hong Kong SAR without regard to its conflict of law provisions.

Privacy Policy

This Privacy Policy governs the manner in which the website collects, uses, maintains and discloses information collected from users (each, a ‘User’) of the website (‘Site’). This privacy policy applies to the Site and all products and services offered by company.

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, subscribe to the newsletter, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, email address. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

Web browser cookies

Our Site may use ‘cookies’ to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

How we use collected information

Company may collect and use Users personal information for the following purposes:

– To improve customer service
Information you provide helps us respond to your customer service requests and support needs more efficiently.
– To personalize user experience
We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
– To send periodic emailsWe may use the email address to send User information and updates pertaining to their order. It may also be used to respond to their inquiries, questions, and/or other requests. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site.

How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.

Third party websites

Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.

Changes to this privacy policy

Company has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.


Digital currency is not legal tender, is not backed by the government, and digital currency accounts and value balances on GrowUSD are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections. GrowUSD is not a bank and does not offer fiduciary services, and its representatives are not financial advisors. The interest rates reflected on this page are as of the current date and time, and may change at any time, before or after funds are deposited  via the GrowUSD platform.

Any content contained on this website is for education purposes only, it is not investment advice. Nothing we say is a recommendation to buy or sell anything. There are no guarantees or certainties in Decentralized Finance. Many investors lose money. Do not invest with money you can’t afford to lose. Before deciding to participate in Decentralized Finance, you should carefully consider your investment objectives, level of experience and risk appetite. Most importantly, do not invest money you cannot afford to lose. Decentralized Finance is a very new industry and largely unproven. There is considerable exposure to risk in any Decentralized Finance transaction, including, but not limited to, leverage, creditworthiness, limited regulatory protection and market volatility that may substantially affect the price or liquidity of a currency or currency pair.

The person who referred you to GrowUSD may receive a referral commission for introducing you should you choose to deposit funds and earn interest. GrowUSD will also receive a commission. These commissions, if any, are separate to the interest you will earn which is paid to you at the rate displayed on the site at any given time.

Past performance is not necessarily indicative of future results. There are no guarantees of profit nor of avoiding losses when engaging in Decentralized Finance. Hypothetical results have many inherent limitations and are not predictive of actual success. No representation is being made that any action will or is likely to achieve profits similar to those shown. In fact, there are frequently sharp differences between hypothetical performance results and the actual results subsequently achieved by any particular investor. Any testimonials are not indicative of future success and have not been independently verified. Digital Currencies involves a high degree of risk.

We are not investment or trading advisers.

Affiliate Terms

1.1. These General Terms and Conditions of GrowUSD Affiliate Program (“Terms”) shall govern the relations between third parties (“Partners”) and GrowUSD, any holding company, subsidiary or entity belonging to the Sync DAO ecosystem, while Partners and GrowUSD are hereinafter separately referred to as “Party” and jointly - as “Parties”, in regard to Partners' participation in the GrowUSD affiliate program (“GrowUSD Affiliate Program”).

1.2. The Partner undertakes to make referrals to GrowUSD of potential end users of the GrowUSD platform through the website https://growusd.com (“GrowUSD Platform”), under the conditions and against consideration outlined at https://growusd.com/terms-and-privacy/.

1.3. The Partner acknowledges and agrees that these Terms are non-exclusive and GrowUSD may appoint other agents, consultants, contractors or other third parties to perform the same or similar activities.

1.4. These Terms do not create any joint venture, partnership, agency, or employment relationship between the Parties. The Partner and GrowUSD are independent contractors with respect to one another under these Terms. Neither Party shall have the authority to legally bind the other Party to any contract, proposal, or commitment or to incur any debt or create any liability on behalf of the other.

1.5. The Partner acknowledges and agrees that GrowUSD may change the Terms at any time and in its sole discretion, of which change the Partner shall be duly notified by GrowUSD. The Partner further acknowledges and agrees that the Partner’s continued participation in the GrowUSD Affiliate Program following the effective date of any change shall be deemed Partner’s acceptance of such a change, and shall be binding on the Partner.

2. Referral Mechanism

2.1. GrowUSD shall provide the Partner with a unique URL link (“Partner’s Link”), designated for distinguishing the different Partners in the GrowUSD Affiliate Program. The Partner shall place the Partner’s Link and Materials on its website, mobile application, social media, blog post, and/or other channels.

2.2. The GrowUSD Affiliate Program is designated for referrals of end users who have not used the GrowUSD platform. A Referred Customer may be every individual, aged at least 18, when all of the following conditions are met thereby:

2.2.1. The Referred Customer registered for participation in the GrowUSD Affiliate Program (i) while the Partner’s Link was in the Referred Customer’s URL, or (ii) the Referred Customer has used one and the same e-mail in both the GrowUSD Affiliate Register page and the GrowUSD Platform;

2.2.2. The Referred Customer has earned interest on the GrowUSD platform by depositing DAI.

3. Affiliate Rewards

3.1. The Partner shall receive consideration in each case that a Referred Customer earns interest on the GrowUSD platform by depositing DAI, in gDAI, the USD equivalent of which amounts to a certain percentage of the total interest earned by the Referred Customer.

3.2. Consideration is determined by the Referred Customer signing a transaction to confirm the split of the interest earned. The Affiliate Reward shall be paid in gDAI tokens to the Affiliate’s wallet as designated in the Affiliate dashboard at the time of the Referred Customer depositing on the GrowUSD platform by the smart contract.

3.3 GrowUSD is not responsible for the payment of any reward or consideration, instead this is controlled by the smart contract into which the Referred Customer deposits.

3.4. The Partner shall be subject to the tax regulation in its jurisdiction and shall be fully responsible for any filing/reporting and paying any tax due to the competent tax authority, as required by the applicable law. GrowUSD shall not be required to compensate the Partner for its tax obligations or advise it in relation to its tax issues.

4. Representation and Warranties

4.1. The Partner shall not have the authority to make any commitments or enter into any agreements or to incur any liabilities whatsoever on behalf of GrowUSD, nor shall GrowUSD be liable for any acts, omissions, contracts, commitments, promises, or representations made by the Partner.

4.2. Neither Partner nor its directors or employees shall make any representations or warranties relating to GrowUSD, except to those disclosed in any provided materials. The Partner agrees that neither the Partner nor any affiliates thereof will impose or collect a fee of any kind, including but not limited to any administrative fee, affiliate or referral fee or similar from any Referred Customer in relation to the GrowUSD Affiliate Program.

4.3. The Partner represents and warrants that (i) it is not subject to any limitation or restriction that would prohibit, restrict or impede the performance of its obligations under these Terms, and (ii) it shall comply with all local, state and federal laws, rules and regulations, governing the performance of its obligations under these Terms.

4.4. The Partner represents and warrants that neither the Partner nor any of its affiliates or officers, directors, brokers or agents (i) has violated any anti-terrorism laws; (ii) has engaged in any transaction, investment, undertaking or activity that conceals the identity, source or destination of the proceeds from any category of prohibited offenses designated by the Organization for Economic Co-operation and Development’s Financial Action Task Force on Money Laundering; (iii) is publicly identified on the most current list of “Specially Designated Nationals and Blocked Persons” published by the Office of Foreign Assets Control of the U.S. Department of the Treasury (“OFAC”), or resides, is organized or chartered, or has a place of business in a country or territory subject to OFAC sanctions or embargo programs; (iv) is publicly identified as prohibited from doing business with the United States under the International Emergency Economic Powers Act, the Trading With the Enemy Act, or any other law; (v) conducts any business or engages in making or receiving any contribution of goods, services or money to or for the benefit of any person described in clauses (iii) or (iv) above; (vi) deals in, or otherwise engages in any transaction related to, any property or interests in property blocked pursuant to any anti-terrorism law; or (vii) engages in or conspires to engage in any transaction that evades or avoids, or has the purpose of evading or avoiding, or attempts to violate, any of the prohibitions set forth in any anti-terrorism law.

5. Intellectual Property

5.1. Subject to these Terms, GrowUSD hereby grants to the Partner a non-exclusive, non-transferable, non-sublicensable, non-assignable, royalty-free license to use any name, logo, tagline, or other designation displayed on any display screen within the Materials solely for the purpose of the GrowUSD Affiliate Program.

5.2. The Partner agrees and understands that GrowUSD is the exclusive owner and retains all ownership, right, title, and interest in and to its trademarks, service marks, logos, patents, know-how, research, publications, agreements, trade and company names, etc. related to the design, implementation or operation of the GrowUSD Affiliate Program and/or integrated in the Materials.

6. Term and Termination

6.1. In the event that the Partner breaches any provision of these Terms or the General Terms & Conditions, GrowUSD may terminate the latter by notice to the Partner having an immediate termination effect. In case the Partner uses fraudulent methods or otherwise attempts to circumvent these Terms or the GrowUSD General Terms and Conditions, GrowUSD reserves the right to terminateby notice to the Partner having an immediate termination effect.

6.1. Each Party reserves the right to terminate upon providing the other Party with a thirty (30)-day advance notice.

6.4. The terminationwill not affect any other right or remedy of either Party.

7. Indemnification

7.1. The Partner agrees to indemnify and hold GrowUSD harmless from and against any claims, losses, costs, damages, liabilities, penalties, fines or expenses (including court costs, costs of appeal and reasonable fees of attorneys and other professionals) arising out of: (i) any Partner’s negligent act or omission or willful misconduct; (ii) any Partner’s breach of its representations, warranties and obligations hereunder; and (iii) any act or omission of the Partner in marketing or promoting the GrowUSD Affiliate Program, including without limitation, misrepresenting to potential end users the GrowUSD Affiliate Program or the terms under which the latter is made available by GrowUSD.

7.2. In no event shall GrowUSD’s aggregate liability for any loss or damage arising in connection with these Terms and the Affiliate Agreement exceed the total amount of the Affiliate Referral Fee paid to the Partner. The foregoing limitations of liability shall apply to the fullest extent permitted by the applicable law.

7.3. In no event shall either Party be liable to the other, for any type of incidental, special, exemplary, punitive, indirect or consequential damages, whether arising under theory of contract, tort, or otherwise, even if notified in advance of such possibility.

8. Additional provisions

8.1. The Parties agree that all notices in relation to these Terms and the Affiliate Agreement shall be delivered by e-mail.

8.2. The headings herein are inserted for the convenience of the Parties only and are not to be considered when interpreting these Terms or the Affiliate Agreement.

8.3. In the event that any of the provisions of these Terms are held to be invalid or unenforceable in whole or in part, all other provisions will nevertheless continue to be valid and enforceable with the invalid or unenforceable parts severed from the remainder of the Terms or the Affiliate Agreement.

8.4. The waiver by either Party of a breach, default, delay or omission of any of the provisions of these Terms by the other Party will not be construed as a waiver of any subsequent breach, default, delay or omission of the same or other provisions.

8.5. The relations between the Parties shall be governed by these Terms and the GrowUSD General Terms and Conditions, where applicable.

8.6. These Terms and the Affiliate Agreement shall be governed exclusively by the laws of Estonia.

8.7. Any dispute arising out of or in connection with these Terms and the Affiliate Agreement, unless amicably settled between the Parties, shall be referred to the competent court in Tallinn, Estonia. The Partner agrees that any dispute resolution proceeding subject to the applicable law under the preceding sentence shall be conducted only on an individual basis and not as a plaintiff or class member in any purported class, consolidated or representative action or proceeding. No court or other dispute resolution authority can consolidate or join more than one claim and can otherwise preside over any form of a consolidated, representative, or class proceeding. Any relief awarded cannot affect other Partners of GrowUSD.