Finrate AG — Terms of Service
Applicable to all Finrate AG events, sub-event brands, websites, and digital services, including (without limitation) the Digital Asset Yield Summit (DAYS), the Hyperliquid Forum, and any successor, affiliated, or future event series.
Effective date: 1 April 2026 Version: 1.0 Last reviewed: 13 May 2026
IMPORTANT — PLEASE READ CAREFULLY. These Terms of Service (the "Terms") form a legally binding agreement between you and Finrate AG. By registering for, purchasing a ticket to, attending, or participating in any Finrate AG event, or by accessing any of our websites, applications, or digital services, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, you must not register for, attend, or use our events or services. These Terms contain provisions that limit our liability and, where permitted by law, require individual dispute resolution and waive class actions. Please review Sections 18, 19, and 20 carefully.
1. About Finrate and These Terms
1.1 Who we are
Finrate AG ("Finrate", "we", "us", or "our") is a stock corporation (Aktiengesellschaft) duly incorporated under the laws of Switzerland with registered office at Schützengasse 79000, St. Gallen, Switzerland, registered in the Swiss commercial register under number CHE-167.367.032 MWST.
Finrate AG operates a series of events and related digital services in the institutional digital-asset finance sector. All event series, conferences, summits, forums, and related programmes — including the Digital Asset Yield Summit ("DAYS"), the Hyperliquid Forum, and any past, present, or future sub-brand, derivative, or successor event (collectively, the "Events") — are organised by Finrate AG as a single legal entity.
1.2 Scope of these Terms
These Terms govern your access to and use of:
- our event websites, microsites, and landing pages;
- our registration, ticketing, checkout, badging, and check-in systems;
- our networking application and event operating system, including profile management, connection requests, meeting requests, in-app messaging, push notifications, agenda management, and invite-code redemption (the "Networking App");
- our in-person Events in any city or jurisdiction worldwide, including without limitation Miami, New York, London, Singapore, Abu Dhabi, and Zurich;
- our virtual, hybrid, livestreamed, recorded, and on-demand sessions and content (collectively with the foregoing, the "Services").
1.3 Other agreements
If you are a speaker, sponsor, exhibitor, supplier, media representative, or partner, your participation may also be governed by a separate written agreement (each, a "Participation Agreement"). In the event of a conflict between these Terms and a Participation Agreement signed by both parties, the Participation Agreement prevails for the activities it covers.
Our Privacy Policy describes how we collect, use, and protect personal data and is incorporated into these Terms by reference. To the extent these Terms address privacy in summary form, the Privacy Policy is the authoritative statement.
1.4 Eligibility
The Services are intended for use by professional and institutional audiences. You must be at least 18 years of age (or such higher age of majority as applies in your jurisdiction) and have the legal capacity to enter into binding contracts. If you are accepting these Terms on behalf of an employer, sponsor, or other entity, you represent and warrant that you have the authority to bind that entity, and "you" includes that entity.
2. Registration and Accounts
2.1 Accuracy of information
When you register, you must provide accurate, complete, and current information. You are responsible for keeping your information up to date through the Networking App or by contacting us.
2.2 Account security
You are responsible for safeguarding any credentials, magic links, one-time codes, or invite codes issued to you, and for all activities under your account. You must notify us promptly of any actual or suspected unauthorised access. We may suspend or terminate access where we reasonably suspect compromise.
2.3 Curated admission
Our Events are curated. We may, in our discretion and to the maximum extent permitted by law, decline a registration or application, revoke a confirmation, refuse admission, or terminate an account where we determine that admission is inconsistent with the purpose, audience composition, or integrity of the relevant Event, where information provided is materially inaccurate, where you fail sanctions, anti-money-laundering, anti-bribery, or reputational due diligence, where you have previously breached these Terms or our Code of Conduct, or where we are required to do so by law.
2.4 Speaker proxies and assistants
Where a personal assistant, executive assistant, or other authorised delegate (a "Proxy") acts on behalf of a principal in connection with the Services — for example, purchasing a ticket, completing registration, or managing scheduling — the Proxy represents and warrants that they have authority to act on behalf of the principal, and both the Proxy and the principal are bound by these Terms in respect of the relevant activities.
3. Tickets, Pricing, and Payment
3.1 Tickets
Tickets and passes ("Tickets") admit the named holder to the specific Event(s) and session(s) identified in the Ticket, subject to capacity, venue rules, and these Terms. Tickets are issued in the name of the natural person who will attend; the purchaser may differ from the holder.
3.2 Pricing and taxes
Prices are stated at the point of purchase in the relevant currency. Prices may vary by Event, city, pass tier, and timing of purchase, and we may change pricing at any time without notice for future purchases. Unless stated otherwise, prices are exclusive of value-added tax, sales tax, and other applicable taxes, which will be added at checkout where required.
3.3 Payment
Payments are processed by Stripe and other authorised payment service providers. By making a purchase, you authorise the charge to your payment method. You represent that you have the right to use the payment method and that the information you provide is accurate.
3.4 Invite codes and promotional codes
We issue invite codes, promotional codes, and complimentary passes from time to time. Codes are non-transferable unless expressly stated, may have eligibility restrictions and expiry dates, and may be revoked where used in violation of their terms or these Terms. We log invite-code redemption attempts for audit and abuse-prevention purposes.
3.5 No resale or transfer
Tickets may not be resold, transferred, auctioned, raffled, or used for promotional purposes without our prior written consent. We may invalidate Tickets that we reasonably believe have been resold or transferred in violation of this clause, without refund.
4. Refunds, Cancellations, and Transfers
4.1 Attendee-initiated cancellations
Unless the Ticket is expressly designated as refundable at the point of purchase or required by mandatory consumer law, Tickets are non-refundable. Where mandatory consumer law applies (including EU/EEA consumer rights, where applicable to a particular sale), your statutory rights are unaffected, including any applicable cooling-off period.
4.2 Name changes
Where capacity and curation allow, we may at our discretion permit a single name change per Ticket up to a specified deadline before the Event. We may charge an administrative fee for name changes.
4.3 Event changes, rescheduling, and cancellation by us
We may, in our discretion, change the date, time, venue, format (including converting an in-person Event to a virtual or hybrid format), agenda, speakers, sponsors, or other features of an Event. We will use commercially reasonable efforts to notify registered holders of material changes.
If we cancel an Event without rescheduling, our liability is, to the maximum extent permitted by law, limited to a refund of the Ticket price actually paid for that Event. We are not liable for ancillary costs such as travel, accommodation, visa fees, or lost earnings. You are encouraged to obtain travel and event-cancellation insurance.
4.4 Force majeure
We will not be liable for any failure or delay in performing our obligations where the failure or delay results from any cause beyond our reasonable control, including without limitation acts of God, fire, flood, earthquake, severe weather, pandemic, epidemic, public health emergency, government action or restriction, denial or revocation of permits, terrorist activity, war, civil unrest, strikes or labour disputes, venue unavailability, supplier failure, transport disruption, telecommunications or internet failure, or cyber-attack (a "Force Majeure Event"). Where a Force Majeure Event prevents or materially impairs the conduct of an Event, we may reschedule, modify the format, or cancel without refund except to the extent required by mandatory law.
5. Code of Conduct
All participants are expected to contribute to a professional, respectful, and safe environment. The following conduct is prohibited at any Event venue (physical or virtual), within the Networking App, and in any communications related to the Services:
- harassment, intimidation, discrimination, or unwelcome behaviour on the basis of sex, gender identity, sexual orientation, race, ethnicity, national origin, religion, disability, age, or any other protected characteristic;
- threats, violence, or aggressive behaviour;
- unlawful conduct of any kind, including but not limited to fraud, theft, drug use, or violation of venue rules;
- recording, photographing, or transmitting closed-door, private, or off-the-record conversations or sessions without explicit consent of all parties;
- solicitation that is unwelcome, deceptive, or unrelated to the legitimate professional purpose of the Event;
- misrepresentation of identity, affiliation, or credentials, including impersonating another person, organisation, or Finrate itself;
- scraping, harvesting, or unauthorised mass collection of attendee or speaker data;
- circulation of malware, phishing material, or other content that compromises security;
- any conduct that disrupts the Event, the Networking App, or other participants' enjoyment of the Services.
We may, in our discretion and without refund, remove any person from a venue, revoke a badge, suspend or terminate Networking App access, refuse future admission, and report conduct to relevant authorities where we determine that this Code has been breached.
6. Acceptable Use of the Networking App
Your use of the Networking App is subject to the Code of Conduct and the following additional rules. You must not, and must not permit anyone else to:
- use the Networking App for any purpose other than legitimate professional networking, business development, and event participation;
- send spam, unsolicited bulk messaging, or repetitive identical content;
- send sexual, romantic, or otherwise non-professional messages or meeting requests;
- misrepresent your identity, employer, role, or affiliation in your profile or communications;
- copy, export, scrape, mass-download, or aggregate attendee, speaker, or sponsor data (including by automated means, screen-capture at scale, or browser extensions);
- upload or share unlawful, infringing, defamatory, malicious, deceptive, or otherwise harmful content;
- reverse engineer, decompile, probe, or otherwise attempt to discover the source code, algorithms, or non-public functioning of the Networking App, except to the extent expressly permitted by mandatory law;
- interfere with, disrupt, or impose disproportionate load on the Networking App's infrastructure;
- circumvent, disable, or attempt to defeat any security, authentication, rate-limiting, or access-control feature.
We may, in our discretion, moderate, remove, or refuse to display content; suspend or terminate access; and pursue remedies available at law or in equity.
7. Photography, Video, and Recording at Events
Our Events are professionally documented for editorial, promotional, archival, journalistic, and contractual purposes. By entering, attending, participating in, or being present at an Event venue (whether physical, virtual, or hybrid), you irrevocably and unconditionally acknowledge, consent to, and grant to Finrate AG (and its successors, assignees, licensees, partners, sponsors, broadcasters, and authorised media representatives) a worldwide, perpetual, royalty-free, irrevocable, sublicensable, and transferable licence to capture, record, photograph, film, livestream, broadcast, store, reproduce, publish, distribute, transmit, display, edit, adapt, translate, exhibit, and otherwise use and exploit your name, likeness, voice, image, biographical information, statements, performance, and participation, in whole or in part, in any and all media now known or hereafter devised, throughout the world, in perpetuity, for any and all promotional, marketing, editorial, journalistic, archival, commercial, training, derivative, and lawful purposes, without further notice, approval, or compensation, and you waive any and all rights you may have to inspect or approve the finished product or the use thereof, and you release Finrate AG and all such authorised parties from any liability arising out of such use, to the maximum extent permitted by applicable law.
Speakers, panellists, moderators, and other on-stage participants grant the foregoing licence as a standard feature of their participation, supplemented as appropriate by their Participation Agreement.
Where applicable law requires explicit, separate, or revocable consent for such uses, the foregoing constitutes such consent, and the opt-out and removal mechanisms described in our Privacy Policy apply. Nothing in this Section limits any non-derogable statutory right under applicable data protection law.
8. Intellectual Property
8.1 Our IP
All right, title, and interest in and to the Services — including the websites, the Networking App, software, designs, layouts, graphics, text, audio, video, images, and the look and feel — and all trademarks, service marks, logos, trade names, and brand identifiers (including "Finrate AG", "Digital Asset Yield Summit", "DAYS", "Hyperliquid Forum", and any related marks) are owned by Finrate AG or its licensors. No right or licence is granted other than the limited right to access and use the Services in accordance with these Terms.
8.2 Your content
You retain ownership of content you submit to the Services ("User Content"), including your profile, biography, photographs, messages, and other materials. By submitting User Content, you grant Finrate AG a worldwide, royalty-free, non-exclusive, sublicensable, transferable licence to host, store, reproduce, modify (for formatting), display, distribute, and otherwise use such User Content for the purposes of operating, promoting, and improving the Services and the Events.
You represent and warrant that you own or have all necessary rights to your User Content, that it is accurate, and that it does not infringe any third-party rights or violate any law.
8.3 Session content and recordings
Recordings, transcripts, presentations, photographs, and other materials produced by or for Finrate AG in connection with the Events are owned by Finrate AG, subject to the rights of speakers and other contributors under their Participation Agreements. You may not record, transcribe, distribute, broadcast, or commercially exploit Event content without our prior written consent.
8.4 Feedback
If you provide us with feedback, suggestions, or ideas regarding the Services or Events ("Feedback"), you grant us a perpetual, irrevocable, royalty-free, worldwide, sublicensable licence to use, modify, and exploit such Feedback without restriction or compensation.
9. Sponsors, Exhibitors, and Third Parties
Sponsors, exhibitors, partners, and other third parties associated with our Events are independent of Finrate. Their products, services, statements, and conduct are their own, not ours. We do not endorse or guarantee any sponsor, exhibitor, or third party, and we are not responsible for their acts or omissions, including their processing of any data they receive from you.
Where you engage with a sponsor, exhibitor, or other third party — including by visiting their booth, exchanging contact details, scanning their badge, accepting a meeting request, or entering into a transaction — you do so at your own risk and under their terms and privacy practices.
10. No Investment, Legal, Tax, or Other Professional Advice
THE EVENTS AND SERVICES ARE INFORMATIONAL AND PROFESSIONAL-NETWORKING IN NATURE. NOTHING PROVIDED BY FINRATE OR BY ANY SPEAKER, PANELLIST, SPONSOR, EXHIBITOR, MODERATOR, ATTENDEE, OR OTHER PARTICIPANT CONSTITUTES INVESTMENT ADVICE, LEGAL ADVICE, TAX ADVICE, ACCOUNTING ADVICE, REGULATORY ADVICE, OR ANY OTHER FORM OF PROFESSIONAL ADVICE. NO OFFER TO SELL OR SOLICITATION OF AN OFFER TO BUY ANY SECURITY, DIGITAL ASSET, FINANCIAL INSTRUMENT, OR FINANCIAL PRODUCT IS MADE BY FINRATE.
Digital assets are highly volatile and may not be suitable for all investors. Past performance is not indicative of future results. You should consult independent qualified professionals before making any financial, legal, or tax decision. Any reliance you place on information shared at or through the Services is strictly at your own risk.
11. Privacy
Our collection, use, and protection of personal data is described in our Privacy Policy, which is incorporated into these Terms by reference. By accepting these Terms, you also acknowledge our Privacy Policy. You can read it at the same legal page as these Terms.
12. Health, Safety, and Assumption of Risk
Attendance at an Event involves inherent risks, including risks of personal injury, illness, exposure to communicable disease, theft, loss of property, and other risks customary to public gatherings. By attending, you voluntarily assume all such risks to the maximum extent permitted by law.
You agree to comply with all venue rules, security procedures, health and safety requirements, and reasonable instructions from Finrate personnel and venue staff. We may refuse admission to, or remove from, any venue any person who refuses to comply or who poses a risk to themselves or others.
Nothing in this Section limits any liability that cannot be limited under applicable law, including liability for personal injury or death caused by our negligence.
13. Travel, Visas, and Logistics
You are responsible for all travel, visa, immigration, accommodation, insurance, and personal logistical arrangements relating to your attendance. Where we provide visa-support letters or similar documentation, we do so as a courtesy and make no representation that any visa or entry permission will be granted. Failure to obtain a visa or entry permission is not a basis for refund except to the extent required by mandatory consumer law.
14. Third-Party Sites and Services
The Services may contain links to or embed third-party websites, applications, services, or content. We do not control and are not responsible for the availability, content, security, accuracy, or practices of any third-party site or service. Your use of any third-party site or service is governed by its own terms and privacy policy.
15. Suspension and Termination
We may suspend or terminate your access to all or part of the Services, your account, your Networking App profile, and any Ticket, with or without notice, where: you breach these Terms, the Code of Conduct, or any Participation Agreement; we reasonably suspect fraud, abuse, security compromise, or sanctions issues; we are required by law or by an authority; or we discontinue the relevant Event or Service.
On termination, all licences granted to you under these Terms cease, except that licences you have granted to us in respect of User Content, Feedback, and your name, likeness, voice, and image (as described in Sections 7, 8, and elsewhere) survive.
16. Changes to the Services and these Terms
We may modify or discontinue any part of the Services at any time. We may also update these Terms from time to time. The "Effective date" and "Last reviewed" dates at the top indicate the most recent update. Material changes will be communicated by appropriate means, which may include posting on our websites or sending email notice to registered participants. Your continued use of the Services after any update constitutes your acknowledgement of, and to the extent permitted by law your agreement to, the updated Terms.
17. Warranties and Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES, INCLUDING THE NETWORKING APP, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OPERATION.
FINRATE DOES NOT WARRANT THAT THE SERVICES WILL BE ERROR-FREE OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES WILL ACHIEVE ANY PARTICULAR RESULT. FINRATE DOES NOT WARRANT THE IDENTITY, CHARACTER, SUITABILITY, OR CONDUCT OF ANY OTHER PARTICIPANT, SPEAKER, SPONSOR, OR THIRD PARTY, AND YOU INTERACT WITH OTHER PARTIES AT YOUR OWN RISK.
Nothing in these Terms limits or excludes any warranty or right that cannot be limited or excluded under applicable consumer or other mandatory law. Where mandatory law guarantees the provision of the Services with reasonable skill and care or to a satisfactory standard, those guarantees apply.
18. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL FINRATE, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, REVENUE, BUSINESS, OPPORTUNITY, GOODWILL, USE, OR DATA, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICES, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT FINRATE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID TO FINRATE FOR THE SPECIFIC EVENT OR SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY OR (B) ONE HUNDRED SWISS FRANCS (CHF 100).
Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under applicable law, including liability for personal injury or death caused by negligence, fraud, fraudulent misrepresentation, or any other liability that cannot lawfully be limited. Where you are a consumer with mandatory rights under the law of your habitual residence, those rights are unaffected.
19. Indemnification
To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Finrate AG and its affiliates, officers, directors, employees, agents, suppliers, and licensors from and against any and all third-party claims, demands, losses, liabilities, damages, fines, penalties, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the Services in a manner not authorised by these Terms; (b) your breach of these Terms, the Code of Conduct, or applicable law; (c) User Content, statements, or conduct of yours that infringes, defames, or otherwise violates any third-party right or law; or (d) your interactions with other participants. This Section does not apply to consumers to the extent prohibited by applicable consumer protection law.
20. Dispute Resolution and Governing Law
20.1 Informal resolution first
Before commencing any formal dispute, you agree to contact us at info@stakingrewards.com with a description of your concern and your desired outcome, and to engage with us in good faith for at least sixty (60) days to attempt to resolve the dispute informally. We will do the same.
20.2 Governing law
These Terms and any non-contractual obligations arising out of or in connection with them are governed by and construed in accordance with the substantive laws of Switzerland, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
20.3 Forum and venue
Subject to mandatory consumer protection rights, the courts of St. Gallen, Switzerland have exclusive jurisdiction to settle any dispute, controversy, or claim arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination.
20.4 Consumer rights preserved
If you are a consumer with mandatory rights to bring proceedings in the courts of your habitual residence or to rely on the substantive consumer law of that jurisdiction, nothing in this Section deprives you of those rights. You may also contact a competent consumer protection authority or alternative dispute resolution body.
20.5 Class action waiver where permitted
To the maximum extent permitted by applicable law, you and Finrate agree that disputes will be brought on an individual basis only, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative action. This waiver applies only where and to the extent it is enforceable under applicable law.
20.6 Time limit
Any claim arising out of or relating to these Terms or the Services must be brought within the shorter of (a) the period required by mandatory law and (b) two (2) years after the cause of action arose, failing which the claim is permanently barred to the maximum extent permitted by law.
21. General
21.1 Entire agreement
These Terms, together with the Privacy Policy, any Participation Agreement, and any specific notices we provide, constitute the entire agreement between you and Finrate regarding the Services and supersede all prior oral or written communications. No oral statement, representation, or course of dealing shall vary these Terms.
21.2 Severability
If any provision of these Terms is held invalid, unenforceable, or contrary to mandatory law, it will be modified to the minimum extent necessary to make it valid and enforceable, or severed, and the remaining provisions will continue in full force.
21.3 No waiver
Our failure to enforce any provision is not a waiver of our right to do so later.
21.4 Assignment
You may not assign, transfer, or delegate these Terms without our prior written consent. We may assign, transfer, or delegate these Terms, in whole or in part, without your consent, including to an affiliate or in connection with a corporate transaction.
21.5 No agency
Nothing in these Terms creates any agency, partnership, joint venture, employment, or fiduciary relationship between you and Finrate.
21.6 Notices
Notices to Finrate must be sent to info@stakingrewards.com or to our registered address. Notices to you may be sent to the email or mailing address you provided at registration, or posted on our websites.
21.7 Language
These Terms are issued in English. Where translated into any other language, the English version prevails to the maximum extent permitted by law in the event of any inconsistency.
21.8 Headings and interpretation
Headings are for convenience only. "Including", "includes", and "in particular" are illustrative and not limiting. The singular includes the plural and vice versa. References to legislation include any successor legislation.
21.9 Contact
Finrate AG, Schützengasse 79000, St. Gallen, Switzerland — info@stakingrewards.com.
— End of Terms of Service —
Please also see our Privacy Policy, which describes how we collect, use, and protect personal data.