Last updated: September 2025
By accessing or using Xcollat, you agree to be bound by these Terms of Service, our Privacy Policy, and all applicable laws and regulations. If you do not agree, you must not use the platform.
You must be at least 18 years old and legally permitted to use cryptocurrency and financial services in your jurisdiction. You represent that your use of Xcollat does not violate any applicable laws.
You must provide accurate, complete, and current information during registration. You are solely responsible for maintaining the confidentiality of your login credentials and all activity under your account.
To comply with regulatory requirements, Xcollat may require identity verification, including submission of government-issued identification based on your country of residence. Failure to complete verification may result in restricted access or account suspension.
Digital assets deposited as collateral remain your property unless liquidation conditions are triggered. Loan-to-value ratios, interest rates, and repayment terms are determined at the time of borrowing and may vary based on market conditions.
If collateral value falls below required thresholds, Xcollat may initiate partial or full liquidation without prior notice to protect system integrity. You acknowledge and accept this risk.
You agree to pay all applicable interest, service fees, and network fees associated with your use of the platform. Fees are disclosed prior to transaction confirmation.
You agree not to use Xcollat for unlawful activities, including fraud, money laundering, terrorism financing, or sanctions evasion.
All information provided by Xcollat is for informational purposes only and does not constitute financial, legal, or investment advice. You are solely responsible for your financial decisions.
Cryptocurrency markets are highly volatile. You acknowledge that you may lose some or all of your assets due to market movements, liquidation events, or technical failures.
Xcollat reserves the right to suspend or terminate accounts that violate these Terms, applicable laws, or pose risk to the platform.
To the fullest extent permitted by law, Xcollat shall not be liable for indirect, incidental, or consequential damages arising from use of the platform.
These Terms are governed by and construed in accordance with applicable laws, without regard to conflict-of-law principles.
Xcollat may update these Terms from time to time. Continued use of the platform after updates constitutes acceptance of the revised Terms.
If you have any questions regarding these Terms, please contact our support team.