TERMS OF SERVICE

Rampper ("Rampper", "we", "us") is a non-custodial, peer-to-peer marketplace that connects users who want to exchange digital assets (such as USDC and XLM on the Stellar network) for fiat currency, and vice versa. The platform is a web interface ("the App") to smart contracts ("the Protocol") deployed on the Stellar blockchain.

By connecting a wallet to the App or otherwise interacting with the Protocol, you agree to these Terms of Service ("Terms"). If you do not agree, do not use the App or the Protocol.

Rampper never takes custody of your funds. All deposits, escrows, and releases are executed by smart contracts on the Stellar network. You retain control of your wallet and private keys at all times. We cannot access, freeze, recover, or reverse your assets, and we have no ability to execute transactions on your behalf.

• You must be legally able to enter into a binding contract.
• You are solely responsible for determining whether use of the App and the Protocol is legal in your jurisdiction, including any restrictions on digital assets, fiat on/off-ramping, or payment platforms used.
• You may not use Rampper if you are subject to sanctions or are located in a jurisdiction subject to comprehensive sanctions under applicable law.

Liquidity providers ("makers") deposit tokens into vault contracts and configure exchange rates, payment platforms, and order limits per currency. Other users ("takers") open an order against a maker's posted rate. Fiat payment happens off-chain, directly between maker and taker, using the payment platform and account details the maker has provided.

• Escrow: tokens for an order are locked on-chain for a limited time window.
• Mark as paid: the paying party confirms, on-chain, that the off-chain fiat payment has been sent.
• Release: once the receiving party confirms the fiat payment arrived, they release the escrowed tokens. Releases are manual and irreversible once submitted.
• Expiry / cancel: unsignaled escrows can be cancelled or reclaimed by the maker after expiry; orders that proceed to payment may be subject to dispute resolution instead of unilateral cancellation.

Rampper does not verify, guarantee, or insure any off-chain fiat payment. The accuracy of payment account details, exchange rates, and platform availability is the sole responsibility of the maker who configured them.

• Send the exact fiat amount, using the exact payment method and account specified for the order, from an account in your own name.
• Only mark an order as paid once the fiat transfer has actually been sent, and only release escrowed funds once you have verified the fiat payment has actually arrived.
• Keep your wallet, seed phrase, and any account credentials for payment platforms secure. You are solely responsible for any loss resulting from compromised credentials or signing malicious transactions.
• Do not use Rampper for money laundering, terrorist financing, fraud, or any other illegal activity, or to trade proceeds of crime.

The Protocol may charge a fee on filled orders, deducted automatically as part of the escrow settlement. Current fee rates are displayed in the order breakdown before you confirm a trade. Network transaction fees on the Stellar network are separate and are paid by the wallet submitting each transaction.

If a counterparty does not release funds after fiat payment has been sent (or claims fiat was not received when it was), either party may open a dispute on the relevant order. Disputes may be reviewed by a designated arbiter mechanism within the Protocol, which can resolve the escrow to either party based on evidence submitted off-chain (e.g. payment receipts). Rampper does not guarantee any particular dispute outcome and is not liable for losses arising from disputed orders.

You acknowledge and accept the following risks:

• Smart contract risk — the Protocol may contain bugs or vulnerabilities that could result in loss of funds, despite reasonable efforts to test and audit it.
• Counterparty risk — the other party to a trade may act in bad faith, including not sending fiat after receiving tokens, or not releasing tokens after receiving fiat.
• Market risk — prices of digital assets are volatile and can change rapidly between order creation and settlement.
• Regulatory risk — laws governing digital assets and peer-to-peer fiat exchange vary by jurisdiction and may change.
• Third-party services — wallets, RPC providers, payment platforms, and price oracles used by the App are outside our control and may be unavailable or inaccurate.

The App and Protocol are provided "as is" and "as available", without warranties of any kind, express or implied. To the maximum extent permitted by law, Rampper and its contributors are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of funds, profits, or data arising from your use of the App or the Protocol.

We may update these Terms from time to time. Material changes will be reflected by updating the "Last updated" date above. Continued use of the App after changes are posted constitutes acceptance of the revised Terms.

Questions about these Terms can be sent to legal@rampper.app.