Terms of Service

Last updated: January 1, 2026

1. Acceptance of Terms

By accessing or using the Galoy website (galoy.io) and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

Galoy Inc. provides banking software and infrastructure for financial institutions. Our services include:

  • Core banking and accounting infrastructure
  • Bitcoin and Lightning payment processing
  • Bitcoin-backed lending platform (Lana)
  • Related documentation and support services

Our software is provided to financial institutions under separate commercial agreements. This website provides information about our products and services.

3. Use of Website

You may use this website for informational purposes. You agree not to:

  • Use the website for any unlawful purpose
  • Attempt to gain unauthorized access to our systems
  • Interfere with the proper functioning of the website
  • Reproduce, duplicate, or copy material from this website without permission

4. Intellectual Property

The content on this website, including text, graphics, logos, and software, is the property of Galoy Inc. or its licensors and is protected by intellectual property laws. Our software is available on GitHub under various licenses.

5. Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content or practices of any linked sites. Such links do not imply endorsement.

6. Disclaimer of Warranties

This website and its content are provided "as is" without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted or error-free.

7. Limitation of Liability

To the maximum extent permitted by law, Galoy Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website.

8. Indemnification

You agree to indemnify and hold harmless Galoy Inc. and its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the website or violation of these terms.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website after changes constitutes acceptance of the modified terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

12. Contact Information

If you have questions about these Terms, please contact us at:

Galoy Inc.
Email: legal@galoy.io