Terms of Service
Last updated: September 30, 2026
These Terms of Service ("Terms") form a binding agreement between you ("you," "your," or "User") and Flexgreen Concept LLC, a limited liability company with a registered address at Suite 203, 3545 Cruse Road, Lawrenceville, GA 30044 ("Flexgreen Concept," "Company," "we," "us," or "our"), operating the Solace platform, website, and related applications (collectively, the "Services").
By creating an account, accessing, or using the Services, you agree to be bound by these Terms. If you do not agree, do not access or use the Services.
1. Eligibility and Account Registration
1.1 Eligibility. To use the Services, you must be at least 18 years old (or the age of majority in your jurisdiction, if higher), have the legal capacity to enter binding contracts, and not be a resident of, or located in, any jurisdiction where use of the Services is prohibited by applicable law.
1.2 Prohibited persons. You may not use the Services if you are (a) subject to sanctions administered by OFAC or any other applicable sanctions authority, (b) located in a country or region subject to comprehensive sanctions, or (c) listed on any denied-party or watch list applicable to us.
1.3 Account information. You agree to provide accurate, current, and complete information during registration and to promptly update it if it changes. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
1.4 Identity verification (KYC/AML). We are required to verify your identity before you can access certain features. You authorize us and our service providers to request identifying information and documentation (which may include government-issued ID, proof of address, and source-of-funds information), and to verify that information with third parties, credit bureaus, and government databases, consistent with applicable "know your customer" and anti-money-laundering laws. We may deny, suspend, or terminate your account if we cannot verify your identity or if verification reveals a risk we are not willing to accept.
1.5 One account per person. You may not maintain more than one active account unless we expressly permit it, and you may not use the Services on behalf of a third party without our prior written consent.
2. Description of Services
Flexgreen Concept, through the Solace platform, provides:
(a) Swapping — the ability to exchange supported digital assets for other supported digital assets, or for fiat currency, at prices displayed on the platform, subject to available liquidity;
(b) Collateral-backed loans — cash loans extended to eligible users, secured by digital assets pledged as collateral and held by us or our custodial partners, subject to loan-to-value (LTV) requirements, interest, and the liquidation terms described in Section 5;
(c) Custody/wallet services — safekeeping of supported digital assets and fiat cash balances associated with your account; and
(d) Fiat payouts — the ability to transfer available cash balances (including swap proceeds and loan proceeds) to a linked external bank account via ACH, wire, or other supported payment rail.
We may add, modify, or discontinue features, supported assets, or supported jurisdictions at any time, with notice where required by law.
3. Fees
3.1 You agree to pay the fees applicable to the Services you use, as disclosed on our Pricing page or otherwise presented to you at the time of a transaction. Fees may include swap fees, loan interest, wire fees, and other charges specific to a feature.
3.2 We may change our fees prospectively. Continued use of the Services after a fee change takes effect constitutes acceptance of the new fees. Fees already incurred are not affected retroactively.
3.3 You are solely responsible for any network/blockchain fees ("gas fees") associated with on-chain transactions, which may fluctuate independently of our own fees.
4. Digital Asset Swapping
4.1 Execution. Swap orders are executed against available liquidity at the time of order placement. Displayed prices are indicative and may change between the time a quote is shown and the time an order executes ("slippage"). You accept the final executed price.
4.2 No investment advice. Nothing on the Services constitutes investment, financial, tax, or legal advice. Digital assets are volatile, and you are solely responsible for your decisions to acquire, hold, or dispose of any asset.
4.3 Irreversibility. Digital asset transactions confirmed on a blockchain are generally irreversible. We are not responsible for losses caused by user error, including sending assets to an incorrect address or swapping the wrong asset or amount.
4.4 Supported assets. We may add or delist supported assets at our discretion, including in response to regulatory developments, security concerns, or liquidity conditions, with notice where reasonably practicable.
5. Collateral-Backed Loans
5.1 Loan origination. Subject to eligibility, you may pledge supported digital assets as collateral in exchange for a cash loan, up to a maximum loan-to-value (LTV) ratio that we determine and disclose at the time of origination. LTV limits, interest rates, and other loan terms vary by collateral asset and are disclosed to you before you confirm a loan.
5.2 Interest. Interest accrues daily on your outstanding loan balance at the rate disclosed at origination, which may be fixed or variable as specified in your loan terms. You may repay your loan balance in whole or in part at any time without prepayment penalty, unless otherwise disclosed.
5.3 Collateral maintenance and margin calls. You are responsible for monitoring your "loan health" (the ratio of your collateral value to your outstanding loan balance). If the value of your collateral declines such that your LTV approaches or exceeds the maintenance threshold disclosed to you, we will attempt to notify you (via app notification, email, and/or SMS) so you can add collateral or repay part of the loan. You acknowledge that notice is a courtesy, not a guarantee, and that market conditions may move faster than notice can be delivered or acted upon.
5.4 Liquidation. If your LTV reaches the liquidation threshold disclosed in your loan terms, we may sell (liquidate) some or all of your pledged collateral, without further notice, to bring your loan back within acceptable limits or to repay the loan in full. We will attempt partial liquidation where reasonably possible before full liquidation, but we do not guarantee partial liquidation will be sufficient or available given market conditions. You are responsible for any shortfall if liquidation proceeds are insufficient to repay your outstanding balance, and for any deficiency balance that remains after liquidation.
5.5 No rehypothecation without disclosure. Except as otherwise disclosed to you in writing, we do not re-lend, re-pledge, or otherwise use your pledged collateral for our own account while your loan is outstanding and your account is in good standing.
5.6 Risk acknowledgment. You acknowledge that collateral-backed loans carry the risk of losing some or all of your pledged collateral through liquidation, particularly during periods of high volatility, and that this risk exists independent of, and in addition to, ordinary market risk in holding digital assets.
6. Custody and Fiat Balances
6.1 Custody. Digital assets held in your account are custodied using the security architecture described on our Security page, which may be updated from time to time. Assets are generally held on a pooled, omnibus basis with our custodial infrastructure, with internal ledgering reflecting your individual balance.
6.2 Fiat balances. Cash balances held in your account are maintained with our banking partner(s), segregated from Flexgreen Concept LLC's operating funds. Neither fiat cash balances nor digital assets held in your account are guaranteed or insured by Flexgreen Concept LLC, any government agency, or any private insurance program, except to the extent, if any, expressly disclosed to you in writing.
6.3 No guarantee against loss. While we maintain security controls described in our Security page, no system is completely secure. You acknowledge the inherent risks of holding digital assets, including the risk of loss due to hacking, technical failure, or the insolvency of a third-party service provider, to the extent not caused by our gross negligence or willful misconduct.
7. Fiat Payouts and Transfers
7.1 You may request payout of available cash balances to a bank account you own and have linked to your Solace account. We may require additional verification before processing a payout, including confirming ownership of the destination bank account.
7.2 Payout timing (e.g., "same business day") is an estimate, not a guarantee, and actual timing may depend on your bank, payment network processing times, and fraud-review holds.
7.3 We may delay, limit, or decline a payout request where required for fraud prevention, legal compliance, dispute resolution, or if your account is subject to a hold (including a loan-related collateral hold).
8. Prohibited Uses
You agree not to use the Services to: (a) violate any applicable law or regulation, including money-laundering, sanctions, and securities laws; (b) engage in market manipulation, wash trading, or fraudulent activity; (c) interfere with or disrupt the integrity of the Services; (d) circumvent any access restriction, rate limit, or security control; (e) use the Services on behalf of a person or entity subject to sanctions or otherwise prohibited from using the Services; or (f) misrepresent your identity or the source of your funds or assets.
9. Suspension and Termination
9.1 We may suspend, restrict, or terminate your access to the Services, in whole or in part, at any time, with or without notice, if we reasonably believe you have violated these Terms, applicable law, or if required by a regulator, law enforcement request, or court order, or to manage risk (including collateral, fraud, or security risk).
9.2 Suspension or termination does not relieve you of obligations incurred before the effective date of suspension or termination, including outstanding loan balances and accrued interest.
9.3 You may close your account at any time, subject to repayment of any outstanding loan balance and completion of any pending transactions.
10. Risk Disclosures
10.1 Volatility. Digital assets are highly volatile. The value of your holdings and pledged collateral can decline rapidly and substantially, including to zero.
10.2 Regulatory risk. The regulatory treatment of digital assets and crypto-collateralized lending is evolving and varies by jurisdiction. Changes in law may affect the availability, features, or terms of the Services.
10.3 Liquidity risk. During periods of high volatility or market stress, liquidity for swaps or collateral liquidations may be reduced, which can affect execution prices and the speed of order or liquidation processing.
10.4 Technology risk. Blockchain networks, smart contracts, and related infrastructure may be subject to bugs, exploits, forks, or other technical failures outside of our control.
10.5 No deposit or investment insurance. As stated in Section 6.2, balances held in your account are not insured or guaranteed by any government agency or private insurance program, except to the extent expressly disclosed to you in writing.
11. Disclaimers
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL FLEXGREEN CONCEPT LLC, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR DIGITAL ASSET VALUE, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO US IN THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).
13. Indemnification
You agree to indemnify, defend, and hold harmless Flexgreen Concept LLC and its affiliates, officers, directors, employees, and agents from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, your violation of these Terms, or your violation of any law or third-party right.
14. Dispute Resolution
14.1 Informal resolution first. Before filing a claim, you agree to contact us at contact@solacefi.co and attempt to resolve the dispute informally for at least 30 days.
14.2 Courts and venue. Any dispute arising out of or relating to these Terms or the Services that is not resolved informally will be brought exclusively in the state or federal courts located in Gwinnett County, Georgia, and you consent to personal jurisdiction there.
15. Governing Law
These Terms are governed by the laws of the State of Georgia, without regard to its conflict-of-laws principles, except to the extent superseded by applicable federal law.
16. Electronic Communications and Notices
By using the Services, you consent to receive communications from us electronically, including via email, SMS, and in-app notification. You agree that all agreements, notices, and disclosures we provide electronically satisfy any legal requirement that such communication be in writing.
17. Changes to These Terms
We may update these Terms from time to time. If we make material changes, we will provide notice (such as by email or in-app notice) before the changes take effect. Your continued use of the Services after the effective date of the updated Terms constitutes your acceptance of them.
18. Miscellaneous
18.1 Entire agreement. These Terms, together with any referenced policies (including our Privacy Policy and Security Disclosures), constitute the entire agreement between you and us regarding the Services.
18.2 Severability. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect.
18.3 No waiver. Our failure to enforce any provision of these Terms is not a waiver of our right to do so later.
18.4 Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
18.5 Force majeure. We are not liable for delays or failures in performance resulting from causes beyond our reasonable control, including natural disasters, acts of government, network or blockchain failures, and labor disputes.