Who we are

Vale is a financial application launching in Q3 2026. You can currently reach us at hello@withvale.app.

What information we collect

Information you give us directly: email address when you join the waitlist or create an account; any communications you send us.

Information collected automatically: device type, browser, operating system; IP address and approximate location (country/region level); pages visited, time on site, referring URL; wallet address if you connect one.

Information from third-party services: We use Privy for wallet creation and authentication. Privy may collect device identifiers and authentication data in accordance with their own privacy policy.

How we use your information

To send waitlist updates and product announcements (you can unsubscribe at any time); to operate and improve the Vale application; to respond to your support requests; to detect and prevent fraud or abuse; to comply with legal obligations. We do not sell your personal information to third parties. We do not share your information with advertisers.

Data storage and transfers

Your data may be processed outside your country of residence, including in the United States and Singapore. We take appropriate steps to ensure your data is handled securely.

Your rights

Depending on your jurisdiction, you may have the right to access, correct, delete, or export your personal data. To make a request, contact us at hello@withvale.app.

Cookies

We use minimal cookies necessary to operate the site (session management, security). We do not use tracking or advertising cookies.

Changes to this policy

We will notify waitlist members of material changes by email. Continued use of Vale after changes take effect constitutes acceptance of the updated policy.

Contact: hello@withvale.app

Acceptance

By accessing withvale.app or using the Vale application, you agree to these Terms. If you do not agree, do not use Vale.

What Vale is

Vale is a non-custodial financial application that provides a user interface for interacting with decentralised finance (DeFi) protocols on the Solana blockchain. Vale does not hold, custody, or control your assets. Your funds remain in a self-custodied wallet at all times.

Eligibility

You must be at least 18 years old to use Vale. Vale is not available to residents of jurisdictions where the use of DeFi protocols or digital assets is prohibited.

Your wallet and keys

Vale uses Privy MPC (multi-party computation) technology to create and manage your wallet. You are solely responsible for maintaining access to your account credentials. Vale cannot recover lost access to your wallet or reverse transactions on the blockchain.

What Vale does not do

Vale is not a bank and does not offer banking services. Vale does not hold, manage, or custody your assets. Vale does not guarantee any rate of return. Vale is not a licensed financial adviser and nothing on this platform constitutes financial advice.

Acceptable use

You agree not to use Vale for money laundering, fraud, or any illegal activity; to attempt to circumvent security measures; or to access Vale from a sanctioned jurisdiction.

Intellectual property

The Vale name, logo, and product design are owned by Vale. You may not reproduce or use them without written permission.

Disclaimers

Vale is provided "as is" without warranties of any kind. We do not warrant that Vale will be uninterrupted, error-free, or that any particular yield will be generated.

Limitation of liability

To the maximum extent permitted by law, Vale's total liability to you shall not exceed the amount of fees you have paid to Vale in the 12 months preceding the claim.

Changes

We may update these Terms at any time. We will notify users of material changes. Continued use after changes take effect constitutes acceptance.

Contact: hello@withvale.app

Vale is committed to transparency. Earning returns through Vale involves real financial risk. This disclosure is not exhaustive — please ensure you understand all risks before proceeding.

DeFi protocol risk

Vale generates yield by deploying your funds into third-party DeFi lending protocols on the Solana blockchain (currently Kamino Finance). These protocols are governed by smart contracts. Smart contracts may contain bugs, vulnerabilities, or be subject to exploits. A failure in an underlying protocol could result in partial or total loss of deposited funds. Vale has no control over these protocols.

Smart contract risk

Blockchain transactions are irreversible. If a smart contract executes incorrectly, or if there is an exploit, lost funds cannot be recovered by Vale or by anyone else.

Variable yield

Yield rates displayed in the Vale application are based on current market conditions and are not guaranteed. Rates fluctuate based on borrowing demand, liquidity, and market conditions. Past rates are not indicative of future performance.

Blockchain and network risk

The Solana network may experience outages, congestion, or forks. During such events, you may be temporarily unable to access your funds or execute transactions. Vale has no control over blockchain infrastructure.

Stablecoin risk

Vale currently operates with USD-denominated stablecoins. Stablecoins are designed to maintain a 1:1 peg with the US dollar, but this peg is not guaranteed. A stablecoin de-pegging event could result in loss of value.

No deposit insurance

Vale is not a bank. Funds deposited through Vale are not covered by any government deposit insurance scheme, including FDIC (United States), FSCS (United Kingdom), or equivalent schemes in any other jurisdiction. You may lose some or all of your deposited funds.

Regulatory risk

The regulatory environment for DeFi and digital assets is evolving. Future changes in law or regulation may affect Vale's ability to operate, the availability of certain features, or your ability to access funds.

Liquidity risk

While Vale aims to provide access to your funds, there may be circumstances — such as extreme market conditions or protocol-level liquidity crises — where withdrawal is delayed or temporarily unavailable.

Technology risk

Vale's application, infrastructure, or third-party integrations may experience bugs, downtime, or security incidents. We take security seriously but cannot guarantee against all failure scenarios.

Your responsibility

By using Vale, you acknowledge that you have read and understood this Risk Disclosure; you are investing only funds you can afford to lose; you are making your own independent financial decisions; and Vale is not providing financial advice. If you are uncertain about any risk, do not deposit funds.

Questions? Contact us at hello@withvale.app