Terms and Conditions

Pamer provides information and resources about the fundamentals of the decentralized non-custodial liquidity protocol called the Pamer Protocol (the “Pamer Protocol” or “Protocol”).

Definitions

“Agreement” means these terms.

“Protocol” means the Pamer Protocol, a decentralised, non-custodial blockchain-based protocol deployed on the Ethereum network. Pamer is designed to facilitate risk management by enabling one set of users (‘Takers’) to ‘sell risk’ into the protocol’s asset pool by locking eligible crypto assets in the protocol’s smart contracts. Another second set of users (‘Makers’) may use the protocol to ‘buy risk’ by providing liquidity in the form of stablecoins to a distinct capital pool. Maker’s deposits are used to settle claims made by a Taker, calling the claim function, once their term ends with the price of their protected asset under the value of their selected floor. In return for assuming some risk, Makers earn yield derived from premiums charged incrementally to Takers. The Pamer protocol also calculates and collects fees from both Takers and Makers, which are deducted from the users’ locked assets.

“Services” means use of the informational and facilitative resources provided by Pamer through the website or any sub-domain thereof. These services include, but are not limited to, providing comprehensive information about, and access to, the Pamer Protocol, its ecosystem, governance, community, and various interfaces and integrations that interact with the EVM (Ethereum Virtual Machine). The Services are intended to assist users engaging with the various smart contracts deployed by Pamer.

“we,” “us” or “our” means Pamer

“User,” “you” or “your” means the person accepting this Agreement, provided that if such acceptance is on behalf of a company or other legal entity then: (i) the signatory represents that he/she has the authority to bind such entity to the terms of this Agreement; (ii) “you” and “your” refers to such entity; and (iii) you may be referred to as “Company.”

Pamer is provided as an informational resource. Pamer provides resources about the fundamentals of the Pamer Protocol, which is a fully decentralized, community governed protocol deployed on blockchain, and provides information about the Pamer ecosystem, governance, community, and various interfaces and integrations to the Pamer Protocol.

All information provided in connection with your access and use of the Site and the Services is for informational purposes only. You should not take, or refrain from taking, any action based on any information contained on the Site or any other information that we make available at any time, including blog posts, data, articles, links to third-party content, discord content, news feeds, tutorials, tweets, and videos. Before you make any financial, legal, technical, or other decisions involving the Pamer Protocol, you should seek independent professional advice from a licensed and qualified individual in the area for which such advice would be appropriate.

You acknowledge and agree that we are not responsible for the availability of such external sites, applications or resources, and do not endorse and are not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources.

You further acknowledge and agree that we will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such site or resource.

It is important to understand that neither we nor any affiliated entity is a party to any transaction on the blockchain networks underlying the Pamer Protocol; we do not have possession, custody or control over any crypto assets appearing on the Pamer Protocol; and we do not have possession, custody, or control over any user’s funds. Further, we do not store, send, or receive any crypto assets. You understand that when you interact with any Pamer Protocol smart contracts, you retain control over your crypto assets at all times. The private key associated with the wallet address from which you transfer crypto assets or the private key associated is the only private key that can control the crypto assets you transfer into the smart contracts. You alone are responsible for securing your private keys. We do not have access to your private keys. Due to the non-custodial and decentralized nature of the technology, we are not intermediaries, agents, advisors, or custodians, and we do not have a fiduciary relationship or obligation to you regarding any other decisions or activities that you affect when using the Pamer Protocol. You acknowledge that we, for the avoidance of doubt, do not have any information regarding any users, users’ identities, or services beyond what is available or obtainable publicly via the blockchain. We are not responsible for any activities you engage in when using the Pamer Protocol, and you should understand the risks associated with crypto assets, and blockchain technology generally.

The software underlying blockchain networks on which the Pamer Protocol is deployed, including, for example, the Ethereum blockchain, is open source, which means that anyone can use, utilize, and build on top of it. By using the Services, you acknowledge and agree (i) that we are not responsible for the operation of the blockchain-based software and networks underlying the Pamer Protocol, (ii) that there exists no guarantee of the functionality, security, or availability of that software and networks, and (iii) that the underlying blockchain-based networks are subject to sudden changes in operating rules, such as those commonly referred to as “forks”.

User Responsibilities

If requested, User shall provide accurate, current and complete information on User’s legal name, address, e-mail address and phone number, and maintain and promptly update this information if it should change. User warrants they have the legal capacity to be bound to these terms and will not violate any laws or third-party rights. Transactions on the blockchain are not anonymous.

A widespread belief is that transactions involving blockchains are anonymous. In fact, a central feature of blockchains and thus, blockchain-based transactions, are that they are transparent. Your public key and your wallet address, which you need to buy or sell items on the blockchain, are visible to anyone. To the extent your public key or wallet address can be linked back to you, it would be possible for someone to determine your identity and the crypto assets you own.

Transactions on the Pamer Protocol rely on smart contracts stored on various blockchains, cryptographic tokens generated by the smart contracts, and other nascent software, applications and systems that interact with blockchain-based networks. These technologies are experimental, speculative, inherently risky, and subject to change. Among other risks, bugs, malfunctions, cyberattacks, or changes to the applicable blockchain (e.g., forks) could disrupt these technologies and even result in a total loss of crypto assets, their market value, or digital funds.

You are solely responsible for the safekeeping of the private key associated with the blockchain address used to interact with the Protocol. We assume no liability or responsibility for any such risks. If you are not comfortable assuming these risks, you should not access or engage in transactions using blockchain-based technology.

One of the other defining features of blockchain technology is that its entries are immutable, which means, as a technical matter, they generally cannot be deleted or modified by anyone. This includes smart contracts and crypto assets generated and programmed by smart contracts.

THUS, TRANSACTIONS RECORDED ON THE BLOCKCHAIN, INCLUDING TRANSFERS OF CRYPTOASSETS AND DATA PROGRAMMED INTO THESE ASSETS (SUCH AS REVENUE AND INTEREST ALLOCATIONS), MUST BE TREATED AS PERMANENT AND CANNOT BE UNDONE BY US OR BY ANYONE. YOU MUST BE VERY CAREFUL WHEN YOU FINALIZE ANY TRANSACTION THAT WILL BE RECORDED ON THE BLOCKCHAIN.

Account Creation and Management

To access certain aspects of the Protocol, you will be asked to provide registration details or

other information, and in order to use such resources, all the information you provide must be

correct, current, and complete. From time to time, in order to access the Protocol or certain

games, services, or functionality, Pamer may require some or all users to download

updated or additional software. The terms of use of such software may be subject to separate

agreement between you and Pamer.

If you choose, or are provided with, a username, password, or any other piece of information

as part of our security procedures, you must treat such information as confidential (other than

username), and you must not disclose it to others. You must immediately notify us of any

unauthorized use of your username or password or any other breach of security. You should

use caution when accessing your account from a public or shared computer so that others are

not able to view or record your password or other personal information. You may only access

the Protocol through your own account. Users do not own their accounts, and gifting or

otherwise transferring of accounts or access keys is prohibited.

We reserve the right to change your display name if we deem it offensive, misleading,

potentially infringing the rights of third parties or if you have been inactive for more than a

year.