The informational website located at coltstable.com (the “Site”), the web interface located at app.coltstable.com (the “Interface”), the documentation located at docs.coltstable.com (the “Documentation”), together with all materials, services, features, media, and community channels made available through them (collectively, the “Services”) are provided by Colt Rider Ltd., a British Virgin Islands company (“Colt Rider”). Colt Rider provides public information and a non-custodial user interface that one may use to interact with the Colt protocol (the “Protocol”), a decentralized system of autonomous, open-source smart contracts deployed on permissionless blockchain networks such as SagaEVM and other supported networks. The Protocol is composed exclusively of autonomous, self-executing smart contracts deployed on public blockchain networks. It functions independently of Colt Rider, executing strictly and solely according to its code, without regard to any decisions, actions, or omissions by Colt Rider. Colt Rider does not control, custody, maintain, modify, upgrade, pause, reverse, interfere with, or operate the Protocol in any capacity whatsoever.

The Services and all related information, including but not limited to product descriptions, data, analytics, token and vault metrics (including Saga Dollar “D” and Staked Saga Dollar “stkD”), rate displays, contract addresses, code references, documentation, media, and content (collectively, “Content”) are provided strictly for informational and educational purposes only. Nothing in the Services constitutes, or shall be construed as, financial, investment, legal, accounting, tax, or other professional advice. Colt Rider does not act as a custodian, broker, dealer, agent, intermediary, manager, fiduciary, or advisor. You are solely responsible for your own independent due diligence and risk assessment.

You expressly acknowledge and agree that interacting with decentralized smart contract systems, decentralized stablecoin mechanisms, vaults, AMOs, SMOs, and autonomous liquidity markets involves substantial, material, and often unpredictable risks. These risks include, without limitation:

• Smart Contract Vulnerabilities: Undiscovered bugs, exploitable logic paths, critical coding errors, latent vulnerabilities, or economic attack vectors may lead to partial or total loss of digital assets.
• Blockchain Network Instability: Underlying blockchain networks may experience congestion, outages, reorgs, consensus failures, sequencer downtime, validator misbehavior, or hostile chain conditions that impair Protocol operations.
• Oracle and Pricing Failures: Oracles may exhibit latency, manipulation, downtime, incorrect price reporting, stale data, or front-run exploitable behavior, leading to improper valuations, incorrect accounting, or protocol instability.
• Market Volatility and Liquidity Crises: Digital assets used within the Protocol may undergo extreme volatility, sudden liquidity evaporation, illiquid markets, or slippage events that significantly affect peg stability, AMO/SMO behavior, or asset values.
• Stablecoin Depegging: Stable-value assets, including Protocol Tokens and external stablecoins, may lose peg or experience severe deviations from intended value due to market stress, insufficient liquidity, collateral impairment, or systemic risk.
• Vault (ERC-4626) Risks: Yield-bearing vault tokens and receipt tokens may underperform, fail to track underlying assets, accrue yield incorrectly, or experience unexpected accounting behavior due to underlying Protocol failures or market conditions.
• AMO & Algorithmic Mechanism Instability: Automated Market Operations may behave unpredictably, amplify volatility, misallocate liquidity, malfunction under stress, or create adverse feedback loops affecting peg stability or vault performance.
• Cross-Chain Risks: Interactions with bridges or cross-chain ecosystems carry risks of bridge exploits, mint/burn discrepancies, chain isolation failure, or incorrect accounting of assets across networks.
• Governance Risks: Prior to decentralization, contributors may execute governance transactions on a non-fiduciary, non-custodial basis; after TGE, token-holder governance may adopt harmful, malicious, or destabilizing protocol changes. Colt Rider does not control or guarantee any governance outcome.
• Front-Running, MEV, and Sandwich Attacks: Transactions may be subject to front-running, MEV extraction, backrunning, sandwiching, or other adversarial ordering that affects execution price or results in unexpected losses.
• Interface or Display Errors: APYs, risk metrics, peg metrics, vault yield projections, and similar data displayed on the Interface may be inaccurate, outdated, cached, imprecise, or inconsistent with on-chain data.
• Data, Analytics, and Telemetry Limitations: Charts, dashboards, yield projections, AMO analytics, and system telemetry may fail to update, reflect incomplete data, or misrepresent actual Protocol performance.
• User Wallet Compromise: Unauthorized access to your self-custodial wallet, loss of private keys, phishing attacks, malware, or compromised devices may lead to irreversible loss of assets. Colt Rider cannot recover funds or reverse transactions.
• Third-Party Dependency Risks: The Services rely on infrastructure provided by third parties. Failures or compromise of these services may adversely impact your interactions.
• Economic Design Limitations: Certain Protocol features, including vault yield mechanics, liquidity incentives, mint/burn flows, or SMO/AMO behavior, may perform differently under stress or produce unanticipated results.
• Regulatory and Legal Risks: Digital assets are subject to evolving regulation. Your ability to access or use the Services may be restricted by sanctions, restricted region policies, licensing requirements, or legal prohibitions.
• Taxation and Reporting Risks: Transactions may produce taxable events. Colt Rider does not provide tax reporting or compliance services; you are solely responsible for determining and satisfying tax obligations.