Terms of Use

Effective date: July 1, 2026 · Version: 2026-07-01 These Terms of Use (“Terms”) govern your access to and use of the Goaly protocol, the Goaly web app at app.goaly.fun, its documentation, APIs, and related interfaces (together, the “Service”). The Service is operated by the Goaly team (“Goaly”, “we”, “us”). Please read these Terms carefully.

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1. Acceptance of these terms

By accessing or using the Service, you agree to be bound by these Terms and by our Privacy Policy and Risk Disclosure. When you first use the app you may be asked to sign an acceptance message with your wallet; signing that message, or otherwise continuing to use the Service, constitutes your acceptance of these Terms as of version 2026-07-01. If you do not agree to these Terms, do not access or use the Service.

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2. Description of the service

Goaly is a no-loss football prediction protocol deployed on Arbitrum One. In plain terms:

• You stake USDT (on-chain, the token is USD₮0) on the outcome of a football match.
• Your staked principal is always returned to you in full, whether your prediction is right or wrong.
• While a match is live, staked principal sits in an ERC-4626 vault that earns yield through Morpho.
• The prize pool is funded purely by that yield — not by other players’ stakes. Winners split the yield; principal is never redistributed.

The Service is a set of smart contracts and interfaces that let you interact with them. Goaly provides software; it does not take custody of your funds, act as a broker or exchange, or hold your principal on your behalf.

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3. Eligibility

To use the Service, you represent and warrant that:

• You are at least 18 years old (or the age of majority in your jurisdiction, if higher).
• You are not located in, resident in, or a citizen of any country or region subject to comprehensive sanctions, and you are not a person or entity named on any sanctions or restricted-party list.
• Your use of the Service is not prohibited by the laws of your jurisdiction, including any laws restricting prediction markets, skill-based gaming, or the use of digital assets.
• You are not accessing the Service on behalf of any restricted or sanctioned person.

You are responsible for determining whether your use of the Service is lawful where you are, and for complying with all applicable laws.

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4. Your wallet and self-custody

The Service uses a self-custodial embedded wallet. Keys are derived from your signature and held on your device; you may also connect your own external wallet. You are solely responsible for:

• Safeguarding the device, signature, or credentials used to derive or access your wallet.
• All activity that occurs through your wallet, including every transaction you sign.
• Ensuring you retain the means to re-derive or restore access to your wallet.

If you lose access to your wallet, or if it is compromised, your funds may be permanently inaccessible. Goaly cannot reverse transactions or restore lost access.

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5. Not financial or investment advice

Nothing on the Service is financial, investment, legal, tax, or accounting advice. Goaly does not recommend that you make any prediction, stake any amount, or use any digital asset. All decisions you make are your own. You should conduct your own research and consult qualified professionals before using the Service. See the Risk Disclosure.

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6. Smart-contract and third-party risk

The Service depends on smart contracts and third-party protocols and infrastructure that Goaly does not control, including but not limited to:

• Morpho and its underlying lending markets, where staked principal earns yield.
• Tether / USD₮0 and USDC as the stablecoins used for stakes and yield.
• LayerZero and Circle CCTP for cross-chain movement of surplus (prize funds).
• RPC providers, indexers, bridges, and hosting used to reach the network.

Smart contracts may contain bugs or be exploited; third-party protocols may fail, be paused, be exploited, or change. These risks are outside Goaly’s control, and you accept them by using the Service. See the Risk Disclosure for details.

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7. Not gambling and no loss of principal

Goaly is designed as a skill-based, no-loss prediction protocol, not a gambling product:

• Your staked principal is always redeemable 1:1 and returned to you in full — this is enforced on-chain as a solvency invariant.
• A wrong prediction never costs you your stake; you only miss that round’s yield-funded prize.
• Prizes are funded exclusively by the yield earned on pooled principal, never by the loss of another player’s stake.

Because you cannot lose your principal by predicting, the Service does not involve wagering your stake against loss. Nonetheless, availability may be restricted where prediction or skill-gaming activities are regulated or prohibited (see Eligibility).

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8. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose, including money laundering, sanctions evasion, or fraud.
• Attempt to exploit, attack, or interfere with the smart contracts, APIs, or infrastructure.
• Use the Service if you are barred under Eligibility.
• Misrepresent your identity, location, or eligibility.

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9. As-is; no warranty

Goaly does not warrant that the Service will be uninterrupted, secure, error-free, or free of harmful components, or that any defect will be corrected. You use the Service at your own risk.

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10. Limitation of liability

To the maximum extent permitted by law, Goaly and its contributors, developers, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, funds, digital assets, data, or goodwill, arising out of or relating to your use of (or inability to use) the Service — whether based on contract, tort, strict liability, or any other theory, and even if advised of the possibility of such damages. To the extent liability cannot be fully excluded, Goaly’s aggregate liability to you is limited to the greater of the amount you paid Goaly (if any) to use the Service or USD 100.

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11. Indemnification

You agree to indemnify, defend, and hold harmless Goaly and its contributors, developers, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any law or the rights of any third party.

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12. Changes to these terms

We may modify these Terms from time to time. When we do, we will update the version and effective date at the top of this page. Material changes may also be surfaced in the app as a new acceptance message to sign. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms. The current version is 2026-07-01.

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13. Governing law and dispute resolution

These Terms are governed by the laws of [Jurisdiction], without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Service will be resolved in the courts or by the arbitration procedure of [Jurisdiction], and you consent to that forum.

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14. Miscellaneous

If any provision of these Terms is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. These Terms are the entire agreement between you and Goaly regarding the Service and supersede any prior agreements.

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15. Contact

Questions about these Terms? Reach the Goaly team through the channels listed at github.com/Goaly-Protocol.