Terms of Use

Agreement

Hello and welcome to Whitehole Finance. The Site provides access to an on-chain decentralised protocol that enables suppliers and borrowers of certain digital assets to participate in an autonomous interest rate market ("Whitehole Finance").

Overview of your legal rights on Whitehole

Explanation of the rules everyone must follow when using the Site Includes disclaimers, waivers of jury trials and class actions, and agreement to resolve any disputes that may arise.

These Terms of Use apply to you ("you"), the user of the Site and the Whitehole front end, including all products, services, tools, and information available on the Site. Therefore, you should read this Agreement carefully, including the Privacy Policy and any other terms referenced in this Agreement, before using the Site.

Introduction

This Agreement applies to everyone who accesses the Site and you agree to be bound by them by using the Site. If you do not wish to be bound by them, you should not access the Site. By using the Site in any way, you agree that you have read and understood this Agreement. To access or use the Site, you must be able to enter into a legally binding contract with us on behalf of an individual or entity. You represent that if you are agreeing to this Agreement on behalf of an entity, you have the legal authority to bind that entity to this Agreement, and if you are agreeing to this Agreement in your individual capacity, you are at least 18 years of age. 1 or the age of majority in your jurisdiction, whichever is older, to form legally binding contracts online and have the full right, power and authority to enter into and be bound by the obligations under this Agreement. You also represent that your access to and use of the Site is in full compliance with all applicable laws and regulations and that you will not access or use the Site to conduct, promote or facilitate any illegal activity. We encourage you to check this Agreement periodically to familiarise yourself with any changes to the terms. Whitehole reserves the right to change the Terms of Service in its sole and absolute discretion. Changes will be binding on users of the Site and will be effective immediately upon posting. As a user of the Site, you agree to be bound by any changes, modifications, alterations or amendments to the Terms of Service, and your continued use of the Site constitutes acceptance of such changes, modifications, alterations or amendments. We will provide notice of any such changes, modifications, alterations or amendments to this Agreement by displaying the changes, modifications, alterations or amendments on the Site. Our Privacy Policy and Cookie Policy also apply to your use of the Site.

Site

As part of the Website, Whitehole provides access to Arbitrum one chain's decentralised finance application (the "Application"), which enables lenders or borrowers of various cryptocurrency assets ("Cryptocurrency Assets") to transact using smart contracts ("Smart Contracts"). To use Whitehole Finance, you may be required to pay fees, such as gas fees to the Arbitrum one chain, to conduct transactions. You acknowledge and agree that Whitehole has no control over any transactions on Whitehole Finance, any transactions made to, through, or using Whitehole Finance or the Site, the method of payment for any transaction, or the actual payment of any transaction. Accordingly, you must ensure that you have a sufficient balance of the applicable cryptocurrency tokens stored in your Whitehole Finance-compatible wallet address ("Cryptocurrency Wallet") to complete any transaction on Whitehole Finance or the Arbitrum one chain before initiating such transaction.

Access to the Site

access to the site is provided on an "as is" and "as available" basis only. We do not guarantee that the Site or any content on the Site will always be available or uninterrupted; access may be interrupted, suspended or limited from time to time, including due to technical defects, errors or unforeseen circumstances or planned maintenance by us. We reserve the right to limit the availability of the Site to any person, geographic area or jurisdiction we desire and/or terminate your access to and use of the Site at any time in our sole and absolute discretion. We may suspend or disable your access to the Site if we deem it reasonable to do so. You breach this Agreement. We reserve the right to remove or modify content on the Site at any time. Some Content may be out of date at any time and we have no obligation to update it. We do not warrant that the Site or any Content on the Site will be free of errors, defects or omissions. We will not be liable for any loss or damage you may suffer as a result of the Site being unavailable at any time for any reason. You must comply with all national and international laws, statutes, ordinances and regulations applicable to your use of the Site.

As a condition of accessing or using the Website, you acknowledge and agree that you will

1. Use the Site or our services only for lawful purposes in accordance with this Agreement.

2. Ensure that all information you provide on the Website is current, complete and accurate.

3. Maintain the security and confidentiality of access to your cryptocurrency wallet address.

As a condition of accessing or using our Services, you acknowledge and agree that you will not

1. violate any applicable laws, including, without limitation, relevant and applicable anti-money laundering and anti-terrorist financing laws, and relevant and applicable privacy and data collection laws, in each case as they may be amended from time to time.

2. use the Site for any unlawful purpose

3. directly or indirectly export, re-export or transfer Whitehole technology in violation of any applicable export laws or regulations

4. infringe or misappropriate any contractual, intellectual property or other third party rights, or commit any unlawful act while using the Site misrepresent the truthfulness, origin, or reliability of any Site content

5. engage in any activity that disrupts or attempts to disrupt or impair the integrity, security, or proper functioning of any computer, server, network, personal device, or other information technology system. Distribute viruses and denial of service attacks

6. use the Site in any manner that could disrupt, interfere with, or adversely affect or impair any other user's enjoyment of the Site or Whitehole Finance, or damage, disable, overburden, or impair the Site or any of its functionalities

7. circumvent any content filtering technology or security measures used by Whitehole on the Site or attempt to access any services offered on the Site or any area of the Site that you are not authorised to access.

8. access the Site to extract data using any bot, spider, crawler, scraper, or other automated means or interface not provided by us.

9. introduce any malicious content to the Site, such as malware, viruses, Trojan horses, worms, logic bombs, drop dead devices, backdoors, termination mechanisms or other harmful material, or otherwise interfere with user access to the Site.

10. be libellous, defamatory, blasphemous, obscene, pornographic, indecent, obscene, vulgar, indecent, harassing, hateful, threatening, offensive, discriminatory, intolerant, abusive, inflammatory, fraudulent, deceptive, misleading or otherwise objectionable, as determined by us in our sole and absolute discretion.

11. send unsolicited bulk mail or other forms of spam, junk mail, chain letters, etc.

12. engage in any commercial or sales activities such as advertising, promotions, contests, sweepstakes, or pyramid schemes that are not expressly authorised by us.

13. post content on the Site that contains unsolicited promotional, commercial or chain messages or user content designed to deceive or trick users of the Site.

14. engage in or attempt to engage in any activity that violates any applicable laws, regulations or rules regarding the integrity of trading markets, including but not limited to manipulative tactics commonly known as spoofing and fraudulent trading.

15. encourage or induce any third party to engage in any activity prohibited under this Agreement.

You acknowledge and accept that the Site and your access to and use of the Site involve certain risks, including but not limited to the following.

1. any smart contracts you interact with are solely at your own risk and responsibility, and Whitehole is not a party to the smart contract. At any time, your access to the Cryptocurrency Assets may be suspended or terminated, or your access to or use of the Cryptocurrency Assets may be delayed, resulting in a decrease in the value of the Cryptocurrency Assets or an inability to complete a Smart

2. If you borrow digital assets from Whitehole Finance, you will be required to provide your own digital assets as collateral. If the value of your collateral decreases and is no longer sufficient to secure the amount borrowed, other people may interact with Whitehole Finance and seize your collateral in liquidation.

3. the Site and/or Application may be suspended or terminated for any reason, which may restrict or disallow access to your crypto assets.

By accessing and using the Site, you understand and acknowledge the following You have a working knowledge of the inherent risks associated with the use of cryptography and blockchain-based systems and the use and complexity of digital assets such as Arbitrum, GRV and other digital tokens.

1. the market for these digital assets is highly volatile due to factors including, but not limited to, adoption, speculation, technology, security, and regulation.

2. the risk that your digital assets may lose some or all of their value while being offered on the Protocol.

3. we are not responsible for these variables or risks, do not own or control the Protocol, and will not be liable for any resulting losses you experience while accessing or using the Site. Accordingly, you acknowledge and agree that you assume full responsibility for all risks of accessing and using the Site.

Accordingly, you acknowledge and agree that you assume all risks associated with your access to and use of the Site, the Application and the Smart Contract. You expressly waive, release and discharge Whitehole from any and all liability, claims, causes of action or damages arising out of or relating to your access to and use of the Site, your interaction with Whitehole Finance, any Application or Smart Contract. You also agree to hold harmless, release, defend and indemnify Whitehole and its officers, directors, employees, contractors, agents, affiliates and subsidiaries from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses arising out of: (i) your access to and use of the Site; (ii) your violation of these Terms, the rights of any third party, or any other applicable law, regulation or rule; and (iii) the access and use of the Site by any other party with your assistance or using a device or account owned or controlled by you.

Privacy Policy and Cookie Policy

Certain areas of our website may record and collect information about you. You can find out more about how we process your personal information in our Privacy Policy. When you use the Site, we may collect information about your computer and your interactions with the Site. You can find more information in our Cookie Policy.

Intellectual Property Rights

We(Whitehole) are the owner of all intellectual property and other rights in the Site and Content, including, but not limited to, software, text, images, trademarks, service marks, copyrights, patents, and designs. All right, title and interest in and to the Site and Third Party Materials, including all Intellectual Property Rights, are and will remain with the respective holders of such rights in and to Whitehole and the Third Party Materials. You have no right or license to use any of the materials contained on the Site or in the Third Party Materials except as expressly authorized under this Agreement, or under any applicable third party license, in each case subject to the requirements and restrictions set forth herein. All other rights in and to the materials on the Site and other Third Party Materials are expressly reserved by Whitehole and its applicable third party licensors. If you qualify, you are granted a limited, single personal license to access and use the Site. This license is non-exclusive, non-transferable, and freely revocable by us at any time without prior notice or cause. Any use of the Site or Content for any purpose not expressly authorized by this Agreement is strictly prohibited. Whitehole Finance is a Uniform Resource Locator ("URL") for Whitehole. You will not use this URL (or any other URL owned by us) on any other website or digital platform without our prior written consent. You agree not to monitor, use or copy our web pages without our prior consent. Unauthorized use or copying may be punishable. You retain ownership of all copyright in the data you upload or submit to the Site. You grant us a worldwide, royalty-free, irrevocable license to use, copy, distribute or publish and transmit this data to the fullest extent permitted by applicable law.

Disclaimers

We do not guarantee that the Site is secure or free of bugs or viruses. You are responsible for configuring your information technology, computer programs and platforms to access the Site. You should use your own virus protection software. We cannot promise that your use of the Site or content obtained from the Site will not infringe the rights of third parties. The Site is provided on an "as is" and "as available" basis. to the fullest extent permissible by law, we disclaim all representations and warranties of any kind, express, implied or statutory, including, but not limited to, warranties of merchantability and fitness for a particular purpose. you acknowledge, accept and agree that your access to and use of the site is at your own risk. We do not represent or warrant that access to the Site will be continuous, uninterrupted, timely or secure; that the information contained on the Site will be accurate, reliable, complete or current; or that the Site is free of errors, defects, viruses or other harmful components. No advice, information or representation we make should be treated as creating any warranty regarding the Site. We do not endorse, warrant or take responsibility for any advertising, offers or statements made by third parties in connection with the Site.

Limitation of Liability

in no event will we or our officers, directors, employees, contractors, agents, affiliates or subsidiaries be liable to you under or in connection with this agreement, the subject matter of this agreement or the terms of access, for any consequential, incidental, indirect, exemplary, special, enhanced or punitive damages, whether arising in breach of contract, tort (including negligence), strict liability or any other theory of equity, even if such loss or damage was otherwise foreseeable, and notwithstanding the failure of any settlement or other remedy. we will not be liable for any damage, loss or injury resulting from any hacking, tampering or other unauthorised access to or use of the site or any information contained on the site. we will not be liable for any of the following

(A) any errors, mistakes or inaccuracies in the Content

(B) any personal injury or property damage or acts of God arising out of your access to or use of the Site

(C) any unauthorised access to or use of any secure server or database under our control, or any information or data stored therein

(D) any interruption or dysfunction with respect to the Site

(E) any bugs, viruses, Trojan horses or similar that may be transmitted to or through the Site

(F) any errors or omissions in the content available through the Site, or any loss or damage that results from its use

(G) defamatory, offensive or unlawful conduct by any third party. in no event will we or our officers, directors, employees, contractors, agents, affiliates or subsidiaries be liable to you for any claim, suit, liability, indemnity, indemnification or compensation obligation or the greater of one hundred us dollars ($100.00) for access to and use of the site. these limitations of liability apply whether the alleged liability is based in contract, tort, negligence, strict liability or any other basis and even if we have been advised of the possibility of such liability. these limitations of liability apply to the maximum extent permitted by law.

No Professional Advice

All information provided on the Site is for informational purposes only and should not be construed or interpreted as professional advice. You should seek independent professional advice from an individual who is licensed and qualified in the field in which such advice is appropriate before taking or refraining from taking any action based on any information contained on the Site, whether financial, legal or otherwise. Nothing contained on the Site constitutes an offer or solicitation to sell or distribute investment and related services to any person in any jurisdiction. From time to time, we may refer to data we have collected. These references may be selective or partial. As markets are constantly changing, all previously published information and data may not be current and should not be relied upon.

Third-Party Links

The Site may contain hyperlinks or references to third party websites. Such hyperlinks or references are provided solely for your information and convenience. We have no control over third party websites and are not responsible for the content, materials, or information contained on or available from them. The display of hyperlinks and references to third party websites does not imply our endorsement of such third party websites, products, or services. Your use of third party sites may be subject to the terms and conditions of such third party sites.

Third-Party Product Disclaimer

With respect to certain products where we offer the services of third-party partners, we will clearly identify them as "Third-Party Products". These Third Party Products or any links available on the Site are provided "as is" without warranty of any kind, either express or implied, and your use of these Third Party Products is at your own risk. Your use of any Third Party Products or links to Third Party Products on the Site is at your own discretion and risk, and you agree that you will be solely responsible for any damage to your computer system or loss of data that results from such activity. You are solely responsible for adequate protection and backup of data and equipment used in connection with such third-party products, and you agree that we will not be liable for any damages incurred by you. You may experience difficulties in connection with downloading, installing, using, modifying or distributing such third-party products. no oral or written advice or information obtained by you from us or on the site creates any warranty as to such third party products. we are not responsible for any errors or omissions in any third party products, software or documentation available on the website. in no event will we be liable to you or any third party for any special, punitive, incidental, indirect or consequential damages or any damages of any kind, including, without limitation, damages for loss of use, loss of data or loss of profits.

General

We may use third parties to perform our obligations and exercise our rights under this Agreement. We may assign some or all of our rights and obligations under this Agreement to a third party. If any provision or portion of this Agreement is found by a court of competent jurisdiction to be illegal, invalid, unenforceable or void, it will be severed from this Agreement and the remaining provisions will remain in full force and effect. However, the severance does not change the basic nature of this Agreement. No single or partial exercise, or failure or delay by us in exercising any right, power or remedy, shall constitute a waiver by us of this Agreement and of any such right, power or remedy arising hereunder, or prevent or preclude any further exercise of such right, power or remedy; condition or otherwise. All disclaimers, limitations, indemnities and exclusions in this Agreement will survive any termination of the Terms and, to the fullest extent permitted by law, will continue to apply during any interruption or period of your inability to use the Site. For Any Reason. This Agreement and the documents referenced herein set forth the entire agreement between you and us with respect to your access to and use of the Site, Whitehole and the services offered through the Site and supersede all prior or contemporaneous representations, communications or agreements (whether written or oral) between you or us. Any dispute, controversy or claim arising out of or relating to this Agreement (including its validity, invalidity, breach or termination) may be referred by either party, after good faith negotiations, for final and binding resolution by arbitration in accordance with the Arbitration Rules. Singapore International Arbitration Centre ("SIAC"), which shall be deemed to be incorporated by reference. The arbitral tribunal will consist of a sole arbitrator appointed in accordance with the then effective rules of the SIAC. The language of the arbitration hearing will be English and the place or legal venue of the arbitration will be Singapore. The governing law will be the laws of Singapore. As to all persons and entities, any dispute, controversy or claim, whether or not arising out of the acquisition or use of the Site for personal, commercial or other purposes, must be brought in the individual capacity of the party and not as a plaintiff or class member in a class action, collective action or other representative proceeding. This waiver applies to class arbitrations, and unless we agree otherwise, the arbitrator may not consolidate any one person's claims. By entering into this Agreement, you agree that you and Whitehole each waive the right to a trial by jury or to participate in a class action, collective action or other representative proceeding of any kind.

Privacy Policy and Cookie Policy

We appreciate your trust in how information about you is used and shared. This Privacy Policy, together with our Terms of Use, describes and governs how we and our affiliates (collectively, "Whitehole") collect and process your personal information. By using the Whitehole Finance website, you consent to the practices described in this Privacy Policy. We may update this Privacy Policy from time to time. We will notify you of any changes by posting the most current Privacy Policy on the Site. Please visit the Site periodically to check for changes. Changes to this Privacy Policy are effective when they are posted on the Site.

Types of Personal Information Collected

The types of personal information you may provide to us include, but are not limited to, the following

Contact information: name, address, phone number, email address

Personal Information: Your location information, date of birth, and government-issued identification.

Automatic Information: We automatically collect and store certain types of information about your use of the Site, including information about your interactions with the content and services available through the Site.

Information from other sources: We may receive information about you from other sources, such as Google Analytics for the purpose of monitoring web traffic, and such information collected through third-party sources is controlled by the third party that collected it.

Use of Your Personal Information

We use the personal information you provide to us for one or more of the following purposes Provide you with services efficiently and effectively through the Site. Inform you about our lending and finance features.

Process billing and collection

Keep you informed about any developments, including changes and improvements to the Site. Develop, enhance, market and provide the Services to you. Understand your needs and eligibility for the services we provide. Communicate with you through the Site; and fulfil our legal and regulatory requirements.

Consent, Use of Cookies and Disclosure of Your Personal Information

Consent is required for the collection and subsequent public use of personal information. The form of consent may vary depending on the circumstances and the type of personal information we obtain. By agreeing to our Terms of Use, you consent to our collection and use of your personal information as described in this Privacy Policy. We reserve the right to use and disclose your personal information without your knowledge or consent to the extent permitted by applicable law. If you wish to withdraw your consent, you must give us reasonable advance notice. We will inform you of the consequences of withdrawing your consent (for example, you may not be able to use many of the services available on the Site without your personal contact information). We use "cookies" to collect information about your online activities on the Site. A cookie is a small text file created by a site that is stored on your computer to provide a way for the site to recognise you and track your preferences. Cookies make it convenient for you to not have to re-enter the same information when you return to a site or fill out an electronic form. Most of the cookies we use are "session cookies" that are automatically deleted from your computer's hard disk at the end of your session. You can choose not to accept cookies by turning this feature off in your web browser. If you do, you may not be able to use some features of the Site. We will only use personal information for the purposes set out at the time you provide it to us and/or for the purposes set out in this Privacy Policy and/or as otherwise permitted by law. We may provide personal information you provide to us to our affiliates, agents, representatives, service providers and contractors for these purposes. We also do so to enforce our Terms of Use, take precautions against liability or harm, investigate and respond to claims or allegations by third parties, comply with court orders or official requests, protect our security or integrity, and protect the rights, property, or safety of Whitehole, our use, or others. We may share your personal information with financial dispute resolution organisations, other law enforcement agencies, regulators, courts, arbitration bodies and dispute resolution schemes as may be required by law. If you request in writing, we may share your personal information with your nominated advisors. Except where disclosure of your personal information is required by law or requested by you, we will generally require third parties who receive or have access to personal information to protect such personal information and to use it only to perform the services they perform for you or us, unless otherwise required or permitted by law. We will take reasonable steps to ensure that such third parties are aware of our obligations under this Privacy Policy and that any agreements we enter into with such third parties bind them to terms no less protective of personal information disclosed to them than our obligations. We will comply with any obligations imposed on us under this Privacy Policy or under applicable data protection laws. If we are involved in a merger, acquisition, sale, bankruptcy, insolvency, reorganisation, administration, transfer or change of control or application of law, your information may be disclosed to another entity in connection with such event. . We reserve the right to retain and share certain personal information to meet regulatory and legal requirements. We also reserve the right to retain and share certain personal information with our corporate partners and third parties acting on our behalf. Personal information and other related data may be exported outside the jurisdiction in which you reside. Your personal information may be processed and stored in foreign countries. In such circumstances, the government, courts, law enforcement or regulatory authorities of that country or countries may have access to your personal information through applicable law. You should be aware that the privacy standards in those countries may be lower than the privacy standards in the jurisdiction in which you reside. You should be aware that you are not obligated to provide us with your personal information, but if you choose not to do so, we may not be able to provide you with the Services or your access to our Services may be restricted. Arbitrum one chain and other public blockchains provide transparency for transactions and we are not responsible for preventing or managing information broadcast on the blockchain. We are committed to protecting your privacy. Our systems and data are protected by market-leading security features and are constantly under review to ensure you receive the best possible service. We have implemented appropriate information security and technical measures (such as data encryption, firewalls and secure network protocols) to protect the personal information we hold about you from loss. misuse; destruction; unauthorised alteration/modification, access, disclosure; or similar risks. Security and technical measures are reviewed from time to time in light of legal and technological developments; however, we do not guarantee that such misuse, loss, unauthorised access, modification or disclosure will not occur. You should take protective measures, including, but not limited to, regularly changing your passwords and not sharing your personal information with others unless you clearly understand the purpose of the request and know who you are dealing with. We have also taken reasonable and appropriate organisational measures to maintain the confidentiality and integrity of your personal data and will only share data with authorised persons on a 'need to know' basis. When we engage third party data processors to process personal data on our behalf, we will provide sufficient assurance that they have implemented the necessary organisational and technical security measures and have taken reasonable steps to comply with these measures. We will not retain your personal information when it is no longer required for business or legal purposes as described in this Privacy Policy and our legal and regulatory requirements. Personal information collected for other purposes will be disposed of from time to time in accordance with our retention policy. If we have reached our retention limits, we will dispose of or destroy the relevant documents containing your personal information in an appropriate and secure manner. If you find that the personal information we hold about you is inaccurate, incomplete, misleading or out of date, you can request that we correct the data. We may need to verify your identity before agreeing to your request. We will respond to your request as soon as possible and, where possible, we will let you know how long we need to do so and provide you with an estimate of how long it will take. You can also request the deletion or destruction of your personal information, account details or transaction details by emailing us. We will only take action if your request is not inconsistent with our legal and regulatory obligations and compliance procedures. Upon your written request, we will inform you about our use and general disclosure of your personal information. Depending on the nature of your request, you may be charged a minimal fee to access your personal information. Users under the age of 13 must seek and obtain parental consent to use this Site. We do not knowingly collect or store personal information about children under 13 without verifiable prior parental consent. If we believe that such information has been collected in error or inadvertently, we will take the necessary steps to remove such information from our database. There may be links on the Site to other sites and resources provided by third parties. This Privacy Policy applies only to the Site. You must leave the Site to access any such third party sites or sources. We do not control such third party sites or the content on them, and you agree that we shall not be responsible or liable for any such third party sites, including, without limitation, any content, policies, failures, promotions, products, services or actions available on or through such sites, and/or any damage, loss, failure or issue caused or alleged to be caused by or in connection with such sites. We encourage you to review all policies, rules, terms, conditions, and regulations, including the privacy policy, of each site you visit.

Risks

Whitehole Finance is an on-chain, decentralised landing platform. The use of the Whitehole Finance Lending Protocol is subject to the following risks

If the value of your borrowed assets exceeds your borrowing capacity, your position will be liquidated if the value of the assets deposited as collateral declines or the borrowed assets may rise. For more information, refer back to the Liquidation section. Borrowers can closely monitor their position and liquidate before it reaches the liquidation level. The liquidation threshold (LTV) and maximum loan-to-value ratio are the same, but the "Safe Maximum (LTV)" option provides borrowers with a percentage indication of the threshold and safe level. Whitehole Finance also gives borrowers the opportunity to take action during the interim period when the value of the borrower's asset rises above the maximum loan-to-value ratio and remains below the liquidation threshold.

By providing liquidity to Whitehole Finance, you acknowledge that you are subject to various risks of loss, including losses due to token price fluctuations while your digital assets are supplied to the Whitehall landing pool (money market) and the fact that you may be exposed to the risk of temporary illiquidity due to increased utilisation.

Before using Whitehole Finance, you should review the relevant documentation to ensure that you understand how Whitehole Finance works and that it is functioning properly. Users can access Whitehole Finance via multiple web or other protocols. Participants are responsible for reviewing for themselves the fees charged by these interfaces and the risks they may incur by using third-party services.

The development and updating of Whitehole Finance seeks to be governed by decentralised voting or consensus methods, and the developers and governance participants of Whitehole Finance disclaim any direct or indirect commitments, warranties or guarantees with respect to any related protocols, code, services, etc. to the fullest extent permitted by law. No developer or entity involved in creating Whitehole Finance will be liable for any damages or claims for money, tokens, or anything else of value, nor will they be liable for any direct, indirect, incidental, special, or punitive damages arising out of your interactions with other users within Whitehall Finance.