> For the complete documentation index, see [llms.txt](https://docs.xeffy.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xeffy.io/support/legal-and-user-responsibility-disclosures.md).

# Legal & User Responsibility Disclosures

## No Financial Advice

XAX provides on-chain yield infrastructure and does not offer investment advice, portfolio guidance, or financial recommendations. Users interact with the protocol at their own discretion.

## No Guarantees of Performance

Past performance does not guarantee future results. Yield rates fluctuate based on market conditions, funding spreads, staking rates, and liquidity environments. Returns are not fixed or guaranteed.

## Market and Protocol Risks

All on-chain systems involve inherent risks, including smart contract vulnerabilities, network instability, rapid market dislocations, and counterparty failures in integrated protocols. Users should evaluate these risks before depositing funds.

## User Responsibility for Wallet Security

XEFFY never holds user private keys. Users are solely responsible for:

* securing their wallets
* safeguarding private keys
* verifying transactions before signing

XEFFY cannot reverse or modify user-signed actions.

## Permissionless Access

XEFFY operates as a permissionless smart contract system. Anyone may interact with the vault according to the protocol rules, without intermediaries or custodians.

## Transparency of Protocol Changes

All configuration updates are:

* timelocked
* visible on-chain
* executed through restricted governance roles

Users may monitor pending and executed changes at any time.

## Open-Source Notice

XEFFY’s smart contracts are open-source or publicly verifiable, enabling independent analysis, monitoring, and auditing by external contributors and security professionals.