> For the complete documentation index, see [llms.txt](https://clio-defi.gitbook.io/docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://clio-defi.gitbook.io/docs/disclaimer.md). # Disclaimer This document describes a software product. It is not financial advice, an offer to sell securities, or a solicitation to buy any asset. ## Risk Acknowledgement DeFi protocols carry meaningful technical and economic risk. Users should understand the following before transacting on Clio DeFi or any DeFi protocol: * **Smart-contract risk.** Even audited contracts can contain undiscovered bugs. The Hacken audit reduces, but does not eliminate, this risk. * **Yield risk.** Quoted APYs are projections based on current strategy parameters. Actual yields will vary with market conditions, validator performance, and lending venue spreads. Past performance does not predict future returns. * **Lock-period risk.** Funds in 7-day, 30-day, and 90-day pools are committed for the full lock period. Early exit is possible but forfeits accrued yield. * **Bridge and chain risk.** Cross-chain expansion (Phase IV) introduces additional technical surface area. Users will be notified before any cross-chain feature is enabled. * **Regulatory risk.** Crypto regulation evolves continuously across jurisdictions. Users are responsible for understanding the legal status of DeFi participation in their jurisdiction. ## Restricted Jurisdictions Clio DeFi is not available to users in jurisdictions where DeFi participation is restricted by local law. The list of restricted jurisdictions is published on the website and updated as regulatory positions change. As of publication, this includes (without limitation): the United States (in part), and any jurisdiction subject to OFAC sanctions. ## Token References in this document to the Clio token, its allocation, or its planned utility are forward-looking statements about a token that has not yet been generated as of the original publication date of this document. The token will be generated as part of Phase II of the [Roadmap](broken://pages/c1d5e87a71bf8aba5c652db0351031434fc9b7f7). Token specifications, including category percentages, are subject to refinement up to the Token Generation Event. ## No Investment Advice Nothing in this document constitutes investment, financial, legal, or tax advice. Users should consult qualified professionals before making any financial decision related to Clio DeFi, the Clio token, or DeFi participation generally. ## Document Versioning This whitepaper is a living document. Changes will be tracked in the project's GitHub repository, and material revisions will be announced on X and Telegram. The version of this document at the time of publication is **v1.1 (2026-05-06)**. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://clio-defi.gitbook.io/docs/disclaimer.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.