Terms of Use

Version of 18 March 2026

⚠️ Disclaimer

This Panoria.fi platform is operated by Meria (SAS – registered in France under Metz Trade and Companies Register number: 829 840 735). It provides an interface for connecting to decentralised or centralised finance products (DeFi or CeFi) that may interact with products outside the scope regulated by the European MiCA Regulation (EU 2023/1114).

For the sake of clarity, and to avoid any confusion among users, the brand name “Panoria” will be the term used in this document, whether to refer to the connection interface (Panoria.fi) or to designate the legal entity operating this interface (namely SAS Meria), without prejudice to the user’s understanding.

The crypto-assets, blockchain protocols and smart contracts accessible on Panoria.fi, and more generally the products offered on the platform, do not constitute regulated financial services. Their use exposes users to high risks of volatility, capital loss, and technological or legal risks, and is the sole responsibility of the user, who undertakes to comply with the regulations applicable in their jurisdiction.

The Panoria platform is intended solely for knowledgeable/advanced users with experience in trading, staking and investing (yields) in crypto-assets. Panoria/Meria does not control third-party protocols (blockchains, smart contracts, crypto-assets, etc.) and accepts no liability for their operation or development.

Panoria.fi is merely a technical interface and does not hold any crypto-assets (there is no crypto-asset custody service on Panoria.fi), private keys, passwords, accounts or other assets belonging to the User. Panoria is not able to carry out transactions or send transaction messages on behalf of the user.

Meria reserves the right to change or amend the Specific Terms of Use for Panoria.fi at its discretion and at any time. The Terms will be updated on the website; the User agrees that the specific terms applicable to them are those of the updated version on the Panoria.fi platform. Any amendment to these Specific Terms shall take effect upon publication on the Website or notification to users.

Before using the Products and Services made available by Panoria.fi, the User is requested to read the Special Terms and Conditions carefully.

By accessing the Site and using the Products, the User acknowledges that they have read the (updated) Special Terms and Conditions and agree to be bound by them.

ANYONE WHO REFUSES THESE TERMS MAY NOT ACCESS THE SERVICES OR USE THE PLATFORM.

1. SPECIAL TERMS AND CONDITIONS OF USE FOR PANORIA

1.1. UNRESERVED ACCEPTANCE OF THE TERMS AND CONDITIONS TO ACCESS THE INTERFACE

Access to the Panoria login interface is subject to:
- knowledge of and acceptance of the Terms and Conditions set out in this document, as well as any supplementary documents referred to herein;
- strict compliance with their provisions, including any updated versions.

Panoria reserves the right, at its sole discretion, to suspend or remove products from the platform immediately and without any right of appeal.

A. Terms and Options to terminate

The user shall be deemed to be such from the day (date of entry into force) on which they connect their wallet and use Panoria.fi login interface or any other product featured on Panoria.fi for the first time.

The user may stop using Panoria.fi simply by disconnecting its wallet or ceasing to use the products presented on Panoria.fi, for any reason whatsoever, with immediate effect.

As Panoria.fi is merely a connection interface between the user and various DeFi protocols/smart contracts or decentralised finance (DeFi) and centralised finance (CeFi) products. Fees specific to the protocols/blockchain/smart contracts – which are independent of Panoria – may be applied to the user in the event of cessation of use (e.g. withdrawal/gas fees, early termination fees, unstaking fees, swap fees, penalty fees, storage fees, etc.).

All obligations and duties which, by their nature, extend beyond the expiry or termination of these terms and conditions shall survive the expiry or termination of these terms and conditions, including, without limitation, accrued payment entitlements, disclaimers and limitations of liability, and compliance with intellectual property rights.

B. Terms of Access to Products

In general, Panoria reminds you that:

- Users must be of legal age and have full legal capacity in their jurisdiction, if they are a natural person, or have the capacity to bind the company they represent, in a country where the products/services are legally accessible, Panoria reminds users that any user, from a country on the blacklists and grey lists established by the FATF or any other list of countries subject to financial sanctions, is prohibited from accessing the products offered by Panoria.

- The products are intended exclusively for sophisticated/experienced investors who are familiar with crypto-assets, financial investments, and the risks associated with these assets and with DeFi/CeFi.

- Use of the website, the login interface or staking tokens on Panoria’s validation nodes constitutes full acceptance of these Terms and consent to the collection, use and disclosure of data in accordance with Regulation (EU) 2016/679, known as the GDPR.

  • Users are solely responsible for the security of their crypto-assets; Panoria has no control over them. Users’ cryptoassets remain solely in their possession; they undertake to exercise the utmost vigilance, in particular by securing their physical or digital account/wallet, private keys and email address linked to various third-party crypto platforms – notably by enabling the security measures offered, such as 2FA – and, where appropriate, and in accordance with their own needs and decisions, so-called “cyber” insurance to best cover their user risks.

By registering or using the products offered on Panoria.fi, Users acknowledge that these terms and conditions constitute a legally binding agreement between them and Panoria/Meria (and/or its affiliates, where applicable). These terms and conditions apply to any use of the Panoria.fi platform, regardless of the channel or means of access.

C. Access to Panoria documentation

Panoria provides information on blockchain Protocols, their ecosystem, their governance and the associated community. It includes links to various content published by Panoria (articles, videos, tutorials, guides, newsletters, etc.). The information contained in these documents may not be duplicated or reproduced in any form whatsoever, nor transmitted without the prior consent of Panoria/Meria. Furthermore, these materials do not constitute an offer, advice, inducement or recommendation to trade in the crypto-assets mentioned.

Panoria/Meria reserves the right to modify or update the information at any time, without notice and without incurring any liability.

D. Access to third-party products/services and documentation

The links to third-party documentation are directly accessible on each protocol official website.

Panoria.fi provides access to third-party links (DeFi/CeFi platforms, protocols, blockchains, smart contracts, etc.) for the user’s convenience.

Panoria/Meria is not responsible for these links, and does not review, endorse, monitor, guarantee or make any representations regarding third-party links. Users access all third-party links at their own risk and should exercise caution and discretion. When the user clicks on a third-party link, the terms and policies of the third-party platform apply, including its privacy and data collection practices regarding the user.

Other users:

Each User of the Site is solely responsible for his/her own User Content. As Panoria does not control User Content, the User acknowledges and agrees that Panoria/Meria is not responsible for User Content, whether provided by the User or by others. The User agrees that Panoria/Meria is not liable for any loss or damage suffered as a result of such interactions. In the event of a dispute between the User and another User of the Site, Panoria/Meria is under no obligation to intervene.

1.2. RESTRICTION OF ACCESS – PERMANENT BAN

The rights granted to the User in these Special Terms and Conditions are subject to the following restrictions:

  • To use the products offered in good faith;

  • Panoria reserves the right, at its sole discretion and without prior notice, in certain cases, to modify, suspend, discontinue or exclude/refuse the User, or to cease providing the User with access to a product, at any time and for any reason, including, without limitation, if there is the slightest suspicion of unauthorised/illegal activity, if the User makes use of the products in a manner that exposes Panoria/Meria to risk or liability, or if it is not commercially viable/profitable to continue providing the User with access to the products.

A suspended or blocked User will be temporarily or permanently unable to access the Panoria.fi platform. Panoria/Meria cannot and will not be held liable for consequences of any kind caused by or related to the blocking/interruption/modification, suspension/exclusion of the User, or any other consequence resulting directly or indirectly from Panoria/Meria of current regulations (including, but not limited to, any consequences arising from the reporting of any illegal activity to the authorities should Panoria/Meria be compelled to do so).

All of the above is in addition to any other rights and remedies that Panoria/Meria may have, in equity or at law, which it expressly reserves.

PANORIA/MERIA RESERVES THE RIGHT TO MODIFY THE PLATFORM AT ANY TIME, BUT PANORIA/MERIA IS UNDER NO OBLIGATION TO UPDATE IT. USERS AGREE THAT IT IS THEIR RESPONSIBILITY TO MONITOR ANY CHANGES TO THE PRODUCTS THAT MAY AFFECT THEM. THE USER AGREES THAT PANORIA/MERIA MAY REMOVE THE PRODUCTS AND/OR ANY CONTENT CONTAINED THEREIN FOR AN INDEFINITE PERIOD OR CANCEL ACCESS TO THE PRODUCTS AT ANY TIME, WITHOUT NOTIFYING THE USER.

2. PANORIA’S LIABILITY

Meria, via Panoria.fi (a platform comprising APIs and user interfaces accessible via the Internet, and subject to the Special Terms of Use, of which this document constitutes the sole terms of use), disclaims all liability relating to the use of this platform, to the extent permitted by law.

The User acknowledges and accepts that Panoria/Meria’s liability for the products/services and its role as a technology intermediary shall not be engaged if the event leading to the total or partial loss of one or more crypto-assets is not the result of an act or omission by Panoria/Meria, or if the event leading to such a loss is linked to/ or inherent in/ the operation of the blockchain or a smart contract beyond Panoria/Meria’s control.

Panoria/Meria shall not be held liable if the performance of any of its obligations is prevented or delayed due to force majeure, a change in regulations, or any other modification or event beyond the control of Panoria/Meria.

In particular, Panoria/Meria and/or any of its representatives, affiliates or partners shall not be held liable to the User for any direct or indirect loss, damage or claim arising in particular from:

- an unusual or unforeseeable event; beyond the reasonable control of Panoria/Meria, the consequences of which could not have been avoided even with due diligence (for example, force majeure, including acts of God, war or civil unrest, disasters, acts of domestic or foreign courts and government authorities, strikes, lockouts, labour disputes, acts of terrorism, riots, etc.); resulting from a failure or interruption of public or private telecommunications networks, communication channels or information systems;

- a delay, failure, interruption or unavailability of third-party products/services; or any unauthorised or ineligible use of the products offered on Panoria.fi contrary to these Special Terms of Use;

- compliance with any applicable law, court orders or actions by any government authority;

- hacking, tampering, the transmission of a computer virus, or any other unauthorised access to or use of the products/services.

The User acknowledges and agrees that, to the extent permitted by law, Panoria’s liability is strictly limited to direct and foreseeable damages, to the exclusion of any indirect or unforeseeable damages.

3. USERS’ LIABILITY

Users acknowledge that they have been informed of the risks inherent in the use of blockchain services, smart contracts and products, and accepts these risks by undertaking to take all necessary precautions when using the products/services offered on Panoria.fi.

The crypto-assets that the User utilises in connection with the use of the Panoria.fi platform do not originate from money laundering, terrorist financing, fraud or any other illegal or criminal activity under any applicable law in the relevant jurisdiction.

Users are aware that their use of the Panoria.fi platform is at their own risk.

They undertake :

  • To use the platform in good faith;

  • Not to breach the terms of these Terms and Conditions, the GDPR Policy or any applicable law in any relevant jurisdiction, including, without limitation, not to breach laws relating to anti-money laundering, terrorist financing, tax evasion, the purchase or sale of illegal drugs, contraband goods, counterfeit goods or illegal weapons, or human trafficking;

  • Not to commit, carry out or make false statements, fraud, malicious acts or criminal activities;

  • Not to provide false, inaccurate, incomplete, out-of-date or misleading information;

  • Not to interfere with, intercept or expropriate our network, system, data or information;

  • Not to transmit or upload viruses or other software or any other type of malicious code, or attempt to gain unauthorised access to other users’ accounts, website, network or systems, such as wallets;

  • Not to engage in any attack, hacking, denial-of-service attack, interference or exploitation of any application or smart contract in connection with the use of the Service

  • Not to decompile, reverse engineer or disassemble Panoria/Meria’s programmes, systems or products, nor infringe upon the intellectual property rights and/or those of our partners; You must not create or execute programmes or scripts for the purpose of taking the platform offline, indexing, monitoring or exploring data from any part of our programmes, systems or products, or unduly interfering with the operation and/or functionality of any aspect of the Services; You must not sell, rent, transfer, assign, distribute, host or otherwise exploit the Panoria.fi website for commercial purposes;

  • Not to access the website for the purpose of creating a similar or competing website. Unless expressly stated in a specific contract signed with Panoria/Meria, no part of the website may be copied, reproduced, distributed, republished, downloaded, displayed or transmitted in any form or by any means whatsoever; unless otherwise stated, any future version, update or other addition of features to the website shall be subject to these specific terms and conditions. All copyright and other proprietary notices appearing on the website must be retained on all copies thereof,

  • Not to use the products/services for unauthorised commercial purposes, or engage in any anti-competitive behaviour or other professional misconduct.

  • Not to harvest or otherwise collect information from the products/services for unauthorised purposes; By using the products/services, the User acknowledges that they are aware of the characteristics and limitations of the internet, blockchain and crypto-assets. In particular, the User acknowledges:

  • That they are aware of the specific characteristics of the Internet and blockchains, in particular their technical performance and the response times inherent in the various actions that may be carried out on them;

  • That the disclosure of any access codes, encrypted keys, confidential information concerning their cryptoasset portfolio or, more generally, any information deemed confidential is done at their sole responsibility;

  • That it is their responsibility to take all necessary measures to ensure that the technical and security features of their computer or any other equipment enabling them to access the products/services are compatible, secure and up to date. It is their responsibility to take all appropriate measures to protect their own data and/or software from contamination by any viruses associated with the use of the Internet.

4. USER’S ACCEPTANCE OF RISKS SPECIFIC TO DeFi AND CeFi

The User acknowledges that crypto-asset transactions on DeFi (Decentralised Finance) and CeFi (Centralised Finance) involve significant risks, including, but not limited to, the risks of total or partial loss of invested funds, theft, hacking, market volatility and smart contract failure.

By carrying out any transaction via the Panoria.fi platform, the User agrees to bear these risks and acknowledges that Panoria/Meria cannot be held liable for financial losses or technical issues related to the inherent risks of DeFi.

A. ACCEPTANCE OF FINANCIAL RISK RELATED TO DeFi

The User acknowledges and accepts that investments and transactions in DeFi involve significant financial risks, including the total loss of the investment, and declares that he/she has a full understanding of these risks and that, in the event of a loss, Panoria cannot be held liable.

The User acknowledges that the crypto-assets used in DeFi transactions may be extremely volatile and accepts potential price fluctuations. The User is responsible for managing his/her own risk exposure. Panoria/Meria cannot be held liable in the event of a sharp fall in the price of crypto-assets.

The User understands that the liquidity of assets in DeFi may vary considerably and may be subject to liquidity risks (including sudden price fluctuations, insufficient liquidity, slippage, i.e. a difference between the expected price of a transaction and the actual execution price, particularly during periods of high volatility or low liquidity), including difficulties or the inability to withdraw funds.

The User undertakes to carry out thorough research before engaging in DeFi transactions, including verifying the security of smart contracts, the reputation of projects and the reliability of platforms, given that no other contractual relationship exists between the parties.

B. Acceptance of the risk of slashing

Panoria/Meria reserves the right to amend the list of listed validation nodes at any time without notice and may modify or discontinue any part of the services at any time. Staking is provided ‘as is’. Panoria shall in no event be liable for any failure of any supported blockchain network to transfer rewards (including any risk of ‘slashing’) or for the loss, destruction or transfer of rewards to the incorrect wallet address. Panoria does not guarantee the uninterrupted or error-free operation of the staking services, nor does it guarantee that it will correct all defects or prevent third-party disruptions or unauthorised third-party access, given that these factors are beyond Panoria’s control

C. Acceptance of the risk of non-reward

PANORIA/MERIA DOES NOT GUARANTEE TO THE USER THE RECEIPT OF STAKING, AIRDROP, EARN OR ANY OTHER REWARDS. THE SUCCESSFUL TRANSFER OF REWARDS IS SUBJECT TO SPECIFIC NETWORKS, PROTOCOLS AND SMART CONTRACTS, WHICH ARE BEYOND THE CONTROL OF PANORIA/MERIA. REWARD RATES ARE DETERMINED BY THE UNDERLYING PROTOCOLS AND NOT BY PANORIA/MERIA AND MAY FLUCTUATE, IN PART BECAUSE THE UNDERLYING SERVICES GENERATING REWARDS MAY BE IMPLEMENTED INCORRECTLY.

D. Acceptance of technological risks

The User undertakes to take adequate security measures to protect their funds and personal information, such as the use of hardware wallets or secure software.

The User acknowledges that the developers and operators of DeFi/CeFi platforms are not liable for financial losses resulting from bugs, security breaches, loss of private keys or any other technical issues.

The User acknowledges and accepts that any failures or unavailability of the Smart Contract are not the responsibility of Panoria/Meria and may under no circumstances seek compensation from Panoria/Meria.

In particular, by way of example and without limitation, the User is aware of and acknowledges the risks associated with interoperability, and more specifically issues with bridges that may be subject to hacking or insufficient security.

E. Acceptance of security risks

The nature of crypto-assets exposes them to an increased risk of cyber-attacks. Although Panoria/Meria makes every reasonable effort to protect crypto-assets and safeguard the platform against cyber-attacks, it is not possible for any platform to completely eliminate security risks. There is no guarantee that the systems in place to mitigate cybersecurity threats will always be effective in preventing unauthorised access to the platform and cryptoassets.

Users are responsible for the security of thier Panoria account details, and they will be liable for all transactions under their Panoria account, whether or not they authorised them. Transactions in crypto-assets may be irreversible, and losses due to fraudulent or unauthorised transactions may not be recoverable.

Panoria recommends users:

- to avoid sharing screenshots, amounts or transaction details (particularly on social media – unencrypted conversations, etc.),

- not to mention their status as holders of crypto assets in public or semi-public spaces,

- to use pseudonyms or dedicated, secure accounts for any online interaction relating to their investments.

F. Acceptance of regulatory developments in DeFi / CeFi

Crypto-assets are situated in decentralised markets that are currently unregulated or only partially regulated. The prices of crypto-assets are highly volatile and may be influenced by external factors (e.g. regulations, policies or financial events).

The parties agree to comply with all laws and regulations applicable to DeFi/CeFi in their respective jurisdictions and are responsible for their compliance. The parties agree that DeFi/CeFi is a technology subject to constant regulatory change and that new risks and opportunities may arise. They agree to keep themselves informed of developments in the sector.

And in the event of new binding legislation, the parties undertake to comply with it without delay or prior notice.

The User undertakes to use Panoria.fi lawfully and in compliance with all applicable laws and regulations, including, but not limited to, anti-money laundering (AML-CFT) laws and regulations relating to the fight against terrorist financing. Consequently, the User expressly undertakes not to engage in illegal transactions, money laundering, terrorist financing or any other illegal activity via the DEFI.

Panoria/Meria reserves the right to cooperate fully with the competent judicial authorities in the investigation of any suspicious or illegal activity. In the event of suspicion or identification of illegal activity, Panoria/Meria reserves the right to immediately suspend or terminate the transaction or the User’s account if the User becomes a Client, and to take all necessary measures to comply with legal requirements.

By accepting these specific terms and conditions, User confirm that they will act in accordance with all applicable laws and regulations relating to crypto-assets, challenges, AML-CFT and others, and that they will not hold Panoria/Meria liable for the consequences of any breach of such laws and regulations.

Panoria/Meria also draws the User’s attention to the uncertainty surrounding tax legislation relating to crypto-assets, as well as to future tax consequences or developments not yet known at the time of revision of these Special Terms and Conditions, for which Panoria/Meria cannot be held liable.

Users are also aware that they are subject to the tax regulations of the jurisdiction to which they belong and that they are fully responsible for any declaration and payment of any tax due to the competent tax authority as required by applicable law. Users expressly agree that they may not seek any compensation from Panoria/Meria in connection with their own tax obligations and acknowledges that Panoria will not provide them with tax advice.

G. Acceptance of psychological and behavioural risks

The User acknowledges that Panoria/Meria is not liable for any impulsive decision-making on the part of the User, driven by the fear of missing out on an opportunity, leading to risky investments, purchases or sales (or FOMO – fear of missing out).

The User acknowledges that Panoria is also not liable for any ‘overtrading’ by the User, who increases the number of transactions under the influence of stress or the lure of profit, thereby increasing costs and the risk of loss.

Panoria/Meria reminds Users that past performance is not indicative of future results. Crypto-assets are not guaranteed investments; Users should only invest amounts they are prepared to lose and must set limits on these investments.

5. DISPLAY AND VALIDITY OF TRANSACTION PRICES

The transaction prices displayed on Panoria.fi are determined in real time, based on market conditions and executed orders. Each user acknowledges and accepts that the price applicable to a transaction is that displayed at the precise moment the order is confirmed by the user.

Once confirmed, this price is binding on the user and cannot be contested at a later date on the grounds of subsequent market fluctuations.

Panoria/Meria cannot be held liable for price fluctuations occurring after the user has confirmed the transaction, which depend in part on a protocol or smart contract beyond the control of Panoria/Meria.

The prices displayed include, where applicable, the applicable transaction fees and Panoria/Meria’s remuneration.

6. MISCELLANEOUS

6.1. BINDING ARBITRATION, WAIVER OF CLASS ACTION AND JURISDICTION

A. Jurisdiction

These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with Panoria (a brand operated by SAS Meria), or its subject matter, or its formation, shall be governed by and construed in accordance with French law.

B. Binding Arbitration Any dispute, claim or controversy concerning, in any way whatsoever, these Terms, the Website or your use of the Services shall be resolved by arbitration/mediation as provided for in this Section, rather than in court. Any dispute arising from these Terms of Use shall be subject to an attempt at amicable resolution within 30 days via customer service (info@panoria.fi). In the absence of an agreement, the parties undertake to resort to mediation. You may, however, bring claims before the courts if your claims are admissible. In each case, each party shall bear its own costs, unless the judge decides otherwise.Any dispute with a national not resident in France shall be brought before the french Jurisdiction, the language used could be English if agreed by Panoria/Meria, but the proceedings shall be governed exclusively by French law.

C. Waiver of Class ActionPANORIA (OPERATED BY MERIA) AND THE USER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR OTHER PROCEEDING INVOLVING A REPRESENTATIVE ACTION. PANORIA/MERIA AND THE USER EXPRESSLY WAIVE ANY RIGHT TO BRING A CLASS ACTION OR A CLAIM ON A CLASS-ACTION BASIS. LIKEWISE, NO CLASS ACTION SHALL BE ADMISSIBLE IN MEDIATION. THE USER AGREES TO USE PANORIA’S SERVICE WITH FULL KNOWLEDGE OF THE ABOVE, AND DECLARES AND AGREES TO ACT SOLELY ON THEIR OWN BEHALF.

6.2. INTELLECTUAL PROPERTY

A. Licence 

Meria holds all rights, title and interest in the Panoria.fi platform, and all related technology and intellectual property rights. Subject to the terms of these Terms, we grant you a limited, revocable, non-exclusive, non-sublicensable and non-transferable licence to access and use the Services solely in accordance with these Terms.

B. Suggestions 

If Users provide us with suggestions or feedback, Panoria/Meria and its affiliates shall have the right to use such suggestions or feedback without restriction. Users hereby irrevocably assign to Panoria/Meria all rights, title and interest in the suggestions or feedback and agree to provide Panoria/meria with any assistance it may require to document, perfect and maintain its rights in the suggestions or feedback.

C. Usage Data 

Users agree that Meria via Panoria.fi may collect, use and analyse data relating to their use of the platform for the purpose of improving, enhancing and optimising Panoria.fi’s current and potential products. This use of data will include, but is not limited to, the aggregation of usage patterns, the identification of service trends and the development of new features. Panoria/Meria ensures that all data collected will be processed in accordance with applicable data protection and privacy laws (GDPR) and will not include any personally identifiable information.

6.3. PROCESSING OF PERSONAL DATA

User’s unique identifiers on the blockchain, namely their public key and their digital wallet address, are visible to all network participants. This information, which is necessary to carry out cryptoasset transactions, leaves a digital trail. Consequently, if these identifiers can be linked to the User’s real identity, it becomes possible for a knowledgeable/experienced observer to trace the User’s activities on the blockchain and assess its cryptoasset holdings. Panoria/Meria therefore draws its users’ attention to the fact that the blockchain offers pseudonymity rather than true anonymity.

Thus, for reasons of security and clear traceability, due in particular to the various European regulations in force, Panoria/Meria may need to collect and process personal data in accordance with (its personal data management policy available on the website LINK) and applicable French and European legislation, in particular Law No. 78-17 of 6 January 1978 on information technology, files and civil liberties, Regulation No 206/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, repealing Directive 95/46/EC, the “Applicable Regulation”.

If Users believe that Panoria/Meria is not respecting their rights, they can contact Panoria/Meria to lodge a complaint: legal@meria.com – if no resolution is reached following this complaint, you may refer the matter to the supervisory authority in the country where you reside; if you reside in France, you may contact the CNIL: https://www.cnil.fr/fr.

6.4. ENTIRE AGREEMENT

These Special Terms of Use and any policies or operating rules published on the Panoria.fi interface govern the use of the login interface, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between Panoria/Meria and the user (including, but not limited to, any previous version of these Special Terms of Use). Any failure on Panoria/Meria’s part to exercise or enforce any right or provision of the Special Terms of Use shall not constitute a waiver of such right or provision.

Notwithstanding the provisions of this clause, as Panoria.fi is merely a connection interface to DeFi / CeFi / third-party entities, other specific or general terms and conditions may apply depending on the protocols / blockchain / smart contracts to which the User has connected their wallet.

6.5. ASSISTANCE OR SUPPORT

The User understands and agrees that Panoria/Meria has no obligation to provide assistance in relation to the Website.

The products offered by Panoria.fi are based on blockchain technology and the underlying technologies of each blockchain, which are themselves independent and over which Panoria/Meria has no control.

Any malfunction, error, fault, breach or unexpected behaviour of the blockchain, servers, APIs, interfaces, oracles or smart contracts used by the protocol may result in a loss or reduction in the value of crypto-assets or an error in processing procedures, in an unexpected or unintended manner. Panoria/Meria cannot be held liable for such malfunctions.

For any questions: https://help.panoria.fi