Terms of Service

Last updated: 10/1/2025

1. Acceptance of Terms

By accessing or using Orbiton's services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Service

Orbiton provides a platform for investors to explore borrowing options using their investment portfolios as collateral. Currently, we are in a pre-launch phase and are not extending credit. By joining our waitlist, you are expressing interest in future lending services.

3. Eligibility

To use our services, you must:

  • Be at least 18 years old
  • Have the legal capacity to enter into binding contracts
  • Provide accurate and complete information
  • Have legitimate ownership of the investment accounts you connect

4. Account Security

You are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized use

5. Financial Account Connection

By connecting your brokerage accounts:

  • You grant us read-only access to view your holdings and balances
  • You confirm you have authority to grant this access
  • You understand we cannot make trades or withdrawals
  • You can revoke access at any time

6. No Investment Advice

Orbiton does not provide investment, legal, or tax advice. Any information provided is for informational purposes only and should not be relied upon for investment decisions.

7. Disclaimer of Warranties

Our services are provided "as is" without warranties of any kind, either express or implied, including but not limited to:

  • Merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy or reliability of information

8. Limitation of Liability

To the maximum extent permitted by law, Orbiton shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.

9. Indemnification

You agree to indemnify and hold harmless Orbiton and its affiliates from any claims, losses, or damages arising from your use of our services or violation of these terms.

10. Termination

We reserve the right to terminate or suspend your account at any time for any reason. You may also terminate your account at any time by contacting us.

11. Governing Law

These terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to conflict of law principles.

12. Changes to Terms

We may modify these terms at any time. Continued use of our services after changes constitutes acceptance of the modified terms.

13. Contact Information

For questions about these terms, please contact us at:

Email: legal@orbiton.com
Address: [Your company address]