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Last Updated: September 7, 2026 Product and account descriptions were corrected in this revision. Welcome to Otto AI (“Otto,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of the Otto AI application, website, and related services (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms.

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1. Service Description & Beta Stage

Otto is an AI-powered digital asset assistant designed to help users interact with Decentralized Finance (DeFi) protocols, execute token swaps and bridges via third-party services (like Li.Fi), and access market analysis. IMPORTANT: The Service is currently in a Beta STAGE. This means it is undergoing active development, testing, and may contain bugs, errors, or incomplete features. Features may change significantly without notice. Use of the Service during the Beta phase is entirely at your own risk. Otto AI does NOT provide financial, investment, legal, or tax advice. Any information or analysis provided by the AI is for informational purposes only and should not be considered a recommendation or endorsement. Always conduct your own thorough research (DYOR).

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2. Risks and User Responsibility

  • a. Beta Software Risks: You acknowledge the inherent risks associated with using beta-stage software, including potential loss of funds, unexpected behavior, data inaccuracies, and temporary or permanent unavailability of the Service.
  • b. DeFi & Smart Contract Risks: Interacting with DeFi protocols involves significant risks, including smart contract vulnerabilities (even in audited contracts used by third parties like Li.Fi), impermanent loss, price volatility, network congestion, and regulatory uncertainty. Otto AI merely provides an interface; we do not control or guarantee the outcome of interactions with external protocols.
  • c. Accounts and Execution Authority: Otto uses connected-wallet actions, smart accounts, delegated accounts and service-operated trading accounts. Ownership, signing authority and recovery differ by account and execution path; see Accounts & permissions. Account-abstraction infrastructure and contract checks do not eliminate execution or third-party protocol risk.
  • d. Test with Small Amounts: Due to the beta nature and inherent DeFi risks, you agree to use the Service only with small amounts of digital assets that you can afford to lose entirely.
  • e. Wallet Security: You are solely responsible for the security of your connected wallet, private keys, seed phrases, and passwords. Otto does not ask you to disclose your connected wallet’s private key or seed phrase. Separately delegated and service-operated accounts have the signing authority described in the account guide.
  • f. AI Limitations: The AI assistant may provide inaccurate, incomplete, or outdated information. Do not rely solely on the AI for decision-making. Verify all information independently.

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3. Third-Party Services

Otto utilizes third-party services like Li.Fi for swap/bridge routing and AI models for its research and prompt-based services. Your use of these features is also subject to the terms and conditions of those respective providers. We are not responsible for the performance, security, or availability of these third-party services.

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4. User Conduct

You agree not to use the Service for any illegal or unauthorized purpose, including violating any applicable laws in your jurisdiction regarding digital assets and financial services. You agree not to misuse the AI or attempt to exploit vulnerabilities in the Service.

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5. Intellectual Property

The Service, including its software, design, and content (excluding user-generated content and third-party data), is the property of the Otto AI developers and protected by intellectual property laws.

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6. Privacy

We may collect usage data and your wallet address to provide the service (e.g., for chat sessions, rate limiting) and improve Otto. We strive to minimize data collection. Please refer to our Privacy Policy for detailed information.

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7. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT ANY DEFECTS WILL BE CORRECTED.

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8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL OTTO AIDEVELOPERS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; (C) ANY CONTENT OBTAINED FROM THE SERVICE; OR (D) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, INCLUDING ANY LOSS OF DIGITAL ASSETS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT OF FEES (IF ANY) PAID BY YOU TO US FOR THE SERVICE IN THE PRECEDING SIX MONTHS, OR TEN US DOLLARS ($10.00), WHICHEVER IS GREATER.

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9. Indemnification

You agree to defend, indemnify, and hold harmless the Otto AI developers and their affiliates from and against any claims, damages, costs, liabilities, and expenses (including, but not limited to, reasonable attorneys’ fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any rights of another.

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10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Switzerland, without regard to its conflict of law principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Zurich, Switzerland.

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11. Modifications

We reserve the right to modify these Terms at any time. We will provide notice of significant changes. Your continued use of the Service after such modifications constitutes your acceptance of the new Terms.

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12. Contact

If you have any questions about these Terms, please contact us at support@useotto.xyz