From Celsius T&C:
You acknowledge that with respect to Digital Assets used by Celsius pursuant to this paragraph:
You will not be able to exercise rights of ownership;
Celsius may receive compensation in connection with lending or otherwise using Digital Assets in its business to which you have no claim or entitlement;
In the event that Celsius becomes bankrupt, enters liquidation or is otherwise unable to repay its obligations, any Eligible Digital Assets used in the Earn Service or as collateral under the Borrow Service may not be recoverable, and you may not have any legal remedies or rights in connection with Celsius’ obligations to you other than your rights as a creditor of Celsius under any applicable laws.
I hope everything will turn out alright in the end, but please start reading the T&C from now on and don’t forget – Not your keys not your coins. Even if you’re not on Celsius, store your coins safely.