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 with these Terms, please do not access or use the website.

2. Description of Services

Galoy Inc. provides banking software and infrastructure for financial institutions, including:

• 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

This website is made available for informational purposes. You agree not to:

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

4. Intellectual Property

The materials on this website — text, graphics, logos, and software — are the property of Galoy Inc. or its licensors and are 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.

6. Disclaimer of Warranties

This website and its content are provided “as is” without warranties of any kind, either express or implied.

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. Security

Galoy maintains information security practices designed to protect our systems and data. Additional information about Galoy’s security program, certifications, and security practices is available on our Security page.

Customer-specific security, availability, support, and service level commitments may be set forth in separate commercial agreements, master service agreements, statements of work, or similar agreements.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this website.

12. 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.

13. Contact Information

Galoy Inc.
Email: legal@galoy.io