Legal Notice

Last updated: 28 October 2026

The short version

• vanna.finance and the Vanna apps are operated by One World Technology LLC, a limited liability company in St. Vincent and the Grenadines.
• Email hello@vanna.finance for all questions, including legal, privacy and regulatory matters, data requests and security reports.
• Vanna is software on Testnet. We are not a bank, we hold no financial licence or registration in the EU, the UK or the US, and we do not serve US Persons.

1. Operator

On our websites and apps, "Vanna", "we", "us" and "our" mean One World Technology LLC.

2. Contact

• Email: hello@vanna.finance, for general questions, legal and privacy matters, data requests and complaints.
• Security reports: email hello@vanna.finance with the subject line "Security". See Security & Responsible Disclosure.
• Post: the mailing address above.

hello@vanna.finance is also our point of contact for authorities and users, including under the EU Digital Services Act where it applies. Write to us in English, and we reply in English. We don't give investment, legal or tax advice by email. Our official channels are listed in our Brand & Trademark Guidelines.

3. Regulatory status

• Vanna is software: composable credit infrastructure for DeFi. With a Vanna account, you can borrow credit that can exceed your deposit, secured by everything held in that account. We develop the Protocol and operate the Interface. The Protocol runs on Testnet only, on Solana and Stellar, with Testnet Assets that have no value. Vanna has not launched on mainnet.
• We are not licensed or registered as a bank, credit institution, broker, dealer, investment firm, investment adviser, exchange, payment or e-money institution, or money transmitter. We do not hold your private keys.
• We hold no licence, authorisation or registration from a financial regulator in the EU, the UK or the US. In particular, we are not authorised under the EU Markets in Crypto-Assets Regulation (MiCA), we are not authorised or registered by the UK Financial Conduct Authority, and we are not registered with the US SEC, CFTC or FinCEN.
• St. Vincent and the Grenadines: the Interface provides software access to a testnet that uses test assets of no value.
• We do not serve US Persons. Nothing we publish is an offer of financial services. See our Disclaimers and Restricted Jurisdictions & Sanctions.

4. Hosting

• The website vanna.finance is hosted on Google's Firebase Hosting. The waitlist backend and the Testnet web apps run on Google Cloud.
• Our documentation at docs.vanna.finance is hosted by Mintlify.

Our Privacy Policy explains how these providers handle personal data.

5. Copyright

© 2026 One World Technology LLC. All rights reserved.

Unless we say otherwise, the content of our websites and apps belongs to us or our licensors. You may link to our pages and quote short extracts with credit, and use our press kit files as it describes. Code in our GitHub repositories is covered by the licence in each repository; where a repository has no licence, we keep all rights in it. Third-party names, logos and content belong to their owners.

6. Trademarks

"Vanna", "Vanna Protocol", the Vanna logo and the Vanna mascot are our marks. Our Brand & Trademark Guidelines explain how you may use them and their registration status.

7. Complaints and dispute resolution

• Please contact hello@vanna.finance first. Our Terms of Use set out the governing law and how disputes are resolved.
• The European Commission's Online Dispute Resolution (ODR) platform closed on 20 July 2025 under Regulation (EU) 2024/3228, which repealed the ODR Regulation. Businesses no longer have to link to it, so we don't.
• We are not required to take part, and do not currently take part, in proceedings before a consumer alternative dispute resolution body. This does not affect your right to go to court or to contact a consumer authority where you live.

8. About this notice

This notice is for information; our Terms of Use govern your use of the Services. All our legal documents are in the Legal Hub.