Terms of Service

For the purposes of this document:

Platform — the Poly4You service, including the website, web application, and any associated interfaces operated under the poly4you.vercel.app domain.

HAVEX — the automated multi-agent system that executes arbitrage strategies on Polymarket on behalf of pooled user capital deployed through the Platform.

User — any individual who has registered an account on the Platform.

Account — the personal interface through which a User manages capital allocations, monitors performance, and initiates deposits and withdrawals.

Deposit — capital allocated by a User to the trading infrastructure managed by HAVEX.

Principal — the amount initially deposited by a User, excluding accrued returns.

Distributions — daily payouts of trading results allocated to User accounts.

Registration on the Platform constitutes binding acceptance of these Terms. Continued use of the Platform after any modification of these Terms constitutes acceptance of the revised version.

A User who does not agree with any provision of these Terms must not register an account or use the Platform.

The Platform provides an interface for pooled allocation of User capital to a trading infrastructure operated by HAVEX. HAVEX executes arbitrage strategies on Polymarket binary markets, capturing pricing inefficiencies between paired contracts.

The Platform does not constitute a deposit-taking institution, investment fund, securities broker, or financial advisor. The Platform offers no fixed-rate guarantees, capital protection, or insured account products.

Performance of the trading infrastructure depends on market conditions, the availability of arbitrage opportunities, execution quality, and other factors outside the Platform's control.

A User must be at least 18 years of age and legally capable of entering into a binding agreement under the laws of their jurisdiction.

Use of the Platform is prohibited from jurisdictions where automated trading services, prediction markets, or cryptocurrency-denominated capital allocation are restricted by applicable law. This includes, without limitation, jurisdictions subject to comprehensive sanctions enforced by OFAC, the European Union, or the United Kingdom.

It is the User's sole responsibility to verify that participation in the Platform complies with local laws. Registration from a prohibited jurisdiction may result in account suspension and return of remaining capital, subject to standard withdrawal procedures.

Minimum allocation: $100 USD equivalent.

Funds deposited via supported payment methods are converted to the Platform's accounting unit and allocated to the trading infrastructure. Conversion and routing are performed automatically.

Distributions are calculated daily and credited to the User's available balance. The Platform's stated target return is up to 20% per calendar month, representing an upper reference level. Actual returns vary with market conditions and may, in any given period, exceed, equal, or fall below this reference.

No portion of these Terms shall be construed as a guarantee of any specific return.

Two distinct withdrawal flows operate under these Terms:

6.1 Distributions and accumulated returns are available for immediate withdrawal upon User request. Settlement to the User's specified wallet typically completes within standard network confirmation times.

6.2 Principal withdrawal requires submission of a request through the Account interface. Processing of principal withdrawal requests requires up to 10 calendar days, during which the requested amount does not accrue further distributions. The User may cancel a pending principal withdrawal at any time, in which case the requested amount returns to the active trading allocation and resumes participation in distributions.

All withdrawals are denominated in USDC or USDT at the User's selection.

The Platform applies a performance fee of 20% on profits generated by the trading infrastructure. Performance fees operate on a High-Water Mark basis: fees are charged only on incremental gains above the historical peak value of a User's allocation.

No management fees, deposit fees, or withdrawal fees apply at the time of these Terms.

The Platform reserves the right to introduce additional fees with at least 30 calendar days' prior notice delivered via email and in-application notification. New fees apply only to activity occurring after the notice period.

The Platform operates a two-tier referral program:

Tier 1: 10% of qualifying daily distributions earned by directly referred Users. Tier 2: 10% of qualifying daily distributions earned by indirectly referred Users (those referred by a Tier 1 referee).

Referral compensation is funded by the Platform from operational reserves and does not reduce distributions credited to referred Users.

The Platform may, at its discretion, suspend referral compensation, forfeit accumulated referral balances, or terminate accounts engaged in abusive practices, including but not limited to self-referral, fraudulent account creation, sybil activity, or coordinated manipulation.

The Platform engages in trading activity on a third-party prediction market. By using the Platform, the User acknowledges:

— Returns depend on the availability of arbitrage opportunities and may vary substantially between periods — The Platform's continued operation depends on the operational status of Polymarket as a counterparty — Smart contract, infrastructure, and protocol-level risks apply to all participants in cryptocurrency-denominated services — Regulatory frameworks governing prediction markets and digital assets continue to develop, and changes may affect the availability or terms of the service

The User confirms allocation only of capital whose loss would not result in significant personal financial harm.

A detailed description of operational and structural risks is available in the Platform's published whitepaper.

The Platform may, at any time and without prior notice, request identity verification documentation from any User in accordance with applicable anti-money-laundering and counter-terrorist-financing requirements. The Platform may suspend account activity until verification is complete.

The Platform monitors transaction patterns and reserves the right to restrict, suspend, or terminate accounts displaying activity inconsistent with stated regulatory frameworks.

Personal information collected during account registration and operation is processed in accordance with the Platform's Privacy Policy. By accepting these Terms, the User authorizes the processing of personal data for the purposes of service provision, regulatory compliance, and operational security.

Account deletion initiates a return of remaining capital, subject to standard withdrawal procedures. Personal data is retained for a period of 30 calendar days following final settlement to allow for transaction dispute resolution and regulatory review, after which it is permanently deleted unless retention is required by law.

To the maximum extent permitted by applicable law, the Platform's aggregate liability to any User is limited to the current balance of that User's account at the time the claim arises.

The Platform shall not be liable for indirect, incidental, consequential, exemplary, or punitive damages, including but not limited to loss of profits, loss of opportunity, or reputational harm.

Nothing in this section limits liability that cannot be excluded under applicable law, including liability for fraud or willful misconduct.

These Terms may be modified at the Platform's discretion. Material modifications will be communicated via registered email and in-application notification not less than 30 calendar days before the effective date.

Continued use of the Platform after the effective date of revised Terms constitutes acceptance of the modifications. A User who does not agree with revised Terms may close the account and withdraw remaining capital under the standard withdrawal procedures.

These Terms constitute the complete agreement between the User and the Platform regarding the use of the service. No prior representations, communications, or marketing materials form part of this agreement unless explicitly incorporated by reference.

If any provision of these Terms is held invalid or unenforceable, the remaining provisions continue in full effect.

Questions regarding these Terms or the operation of the Platform may be directed to:

support@poly4you.app

Poly4You · Terms of Service · Version 1.0 · Effective 5 May 2026