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Effective Date: January 31, 2026 · Last Updated: January 31, 2026
These Terms of Service, referred to herein as “Terms” or “Agreement,” constitute a legally binding agreement between you, referred to as “Customer,” “User,” “you,” or “your,” and INSFERS INC., a Delaware corporation, referred to as “Insfers,” “Company,” “we,” “us,” or “our,” governing your access to and use of the Insfers Wallet, website, mobile applications, and associated services, collectively referred to as the “Services.” The Services provide a self-custodial digital wallet that enables you to store, manage, and transfer supported digital assets and to facilitate conversions between digital assets and fiat currencies through regulated third-party partners.
By accepting these Terms, you represent and warrant that you are at least 18 years of age or have reached the age of majority in your jurisdiction, whichever is greater, and have the legal capacity to enter into binding contracts under the laws of the State of California and your jurisdiction of residence. If you are accepting these Terms on behalf of an organization, company, or other legal entity, you represent and warrant that you have the authority to bind that organization to these Terms, and your acceptance will be deemed an acceptance by that organization.
You represent and warrant that you are not located in, under the control of, or a national or resident of any country subject to United States embargo, including but not limited to Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine, or designated as a “terrorist supporting” country by the United States government. You further represent and warrant that you are not identified on any United States government list of prohibited or restricted parties, including but not limited to the Specially Designated Nationals List maintained by the Office of Foreign Assets Control, the Denied Persons List, or the Entity List maintained by the U.S. Department of Commerce.
You represent and warrant that your use of the Services will comply with all applicable federal, state, local, and international laws and regulations, including but not limited to anti-money laundering laws, combating the financing of terrorism laws, sanctions laws, tax laws, and securities laws. You acknowledge that digital assets and blockchain technology are subject to evolving legal and regulatory frameworks, and you are solely responsible for determining the legality of your use of the Services in your jurisdiction.
Insfers reserves the right to modify, update, or replace these Terms at any time in our sole discretion. When we make material changes to these Terms, we will provide notice through one or more of the following methods: email notification to your registered email address, prominent notice displayed on the Services platform or website, in-application notification banner, or posting on our blog or social media channels. Material changes will be effective 30 days after notice is provided, except for changes required by law, which may be effective immediately.
Your continued use of the Services after such modifications become effective constitutes your acceptance of the modified Terms. The “Last Updated” date at the top of these Terms indicates when modifications were last made. If you do not agree to the modifications, you must immediately cease using the Services and may delete your account, although certain obligations under these Terms will survive termination as specified in Section 15.
For purposes of these Terms, the following definitions apply throughout this Agreement:
Your Private Keys are generated and stored locally on your device using industry-standard cryptographic protocols. Insfers provides only the software interface that enables you to manage your own cryptographic keys and interact with Blockchain Networks.
Because Insfers does not have custody of your Digital Assets and cannot access your Private Keys, we cannot initiate, cancel, reverse, freeze, modify, or otherwise control any Transactions involving your Digital Assets except through commands that you initiate through the Services. You acknowledge and agree that Insfers is merely a technology provider that enables you to interact with Blockchain Networks and that you bear all responsibility for the security and management of your Private Keys, Seed Phrases, and Digital Assets.
You are solely and exclusively responsible for securing your Private Keys, Seed Phrases, passwords, biometric authentication credentials, device access, and any other security measures associated with your Wallet. You must take all reasonable precautions to protect your Private Keys and Seed Phrases from unauthorized access, theft, loss, or compromise. This includes but is not limited to:
You acknowledge and agree that Transactions executed on Blockchain Networks are irreversible once confirmed and recorded on the blockchain. Once a Transaction is broadcast to a Blockchain Network and confirmed by network validators, it cannot be canceled, reversed, modified, or recalled by Insfers or by you, even if the Transaction was initiated in error, sent to an incorrect address, or involved an unintended amount.
You are solely responsible for ensuring the accuracy of all Transaction details before confirming and broadcasting a Transaction, including verifying recipient Wallet Addresses, Transaction amounts, selected Blockchain Networks, and Gas Fees. You acknowledge that Blockchain Network addresses are case-sensitive and that sending Digital Assets to an incorrect address may result in the permanent and irrecoverable loss of those assets. Insfers will not be liable for any losses resulting from Transactions sent to incorrect addresses, executed on incorrect networks, or otherwise initiated in error.
Insfers does not provide, and cannot provide, any services to recover lost or stolen Digital Assets, reverse Transactions, retrieve Private Keys or Seed Phrases, or restore access to Wallets where credentials have been lost or compromised. The decentralized nature of Blockchain Networks and the cryptographic design of self-custodial Wallets mean that such recovery is technically impossible.
If you believe your Wallet has been compromised, your Private Keys have been stolen, or unauthorized Transactions have occurred, you should immediately transfer any remaining Digital Assets to a new Wallet with new Private Keys. Insfers cannot freeze, reverse, or prevent unauthorized Transactions, even if reported to us immediately.
When you create a Wallet through the Services, you will be provided with a Seed Phrase consisting of a series of words in a specific order. This Seed Phrase is the only way to recover access to your Wallet and Digital Assets if you lose access to your device or the Insfers application. You are solely responsible for recording, storing, and securing your Seed Phrase.
Insfers currently supports certain Digital Assets for storage, transfer, and in some cases conversion to Fiat Currency, as listed in the Services and updated from time to time. Supported Digital Assets may include but are not limited to USD Coin (USDC) on various Blockchain Networks. The specific Digital Assets supported, the Blockchain Networks on which they operate, and the features available for each asset are subject to change at Insfers' sole discretion without prior notice.
Insfers has no obligation to support any particular Digital Asset and may add or remove support for any Digital Asset at any time for any reason, including but not limited to regulatory concerns, security vulnerabilities, low trading volume, technological limitations, or business decisions.
Insfers may add support for additional Digital Assets at any time by updating the Services and providing notice through the application, website, or email. When Insfers adds support for a new Digital Asset, these Terms will automatically apply to your use of that asset through the Services.
Insfers may discontinue support for any Digital Asset at any time for any reason in its sole discretion. If Insfers decides to discontinue support for a Digital Asset, we will provide advance notice when reasonably practicable. If you hold a Digital Asset that Insfers plans to discontinue supporting, you will be responsible for transferring that Digital Asset to another wallet before the discontinuation date.
The Services enable you to send and receive Supported Digital Assets across international borders using Blockchain Networks. You acknowledge that cross-border transfers of Digital Assets may be subject to legal restrictions, tax obligations, reporting requirements, and other regulations in the sending and receiving jurisdictions. You are solely responsible for ensuring that your cross-border transfers comply with all applicable laws and regulations.
Insfers does not provide advice regarding the legal, tax, or regulatory implications of cross-border Digital Asset transfers. Insfers is not responsible for any penalties, fines, taxes, or other liabilities arising from your cross-border transfers.
Through Third-Party Partners, Insfers may facilitate conversions between Supported Digital Assets and Fiat Currency. These fiat conversion services are provided by regulated Third-Party Partners, not by Insfers directly, and are subject to the terms, conditions, fees, and policies of those Partners.
When you use fiat conversion services, you will be required to complete identity verification (KYC) procedures as mandated by applicable law. You authorize Insfers to share necessary information with Third-Party Partners to facilitate fiat conversion services. Fiat conversions may be subject to transaction limits, daily or monthly caps, processing times, and availability restrictions.
Blockchain Networks occasionally undergo Forks, which may result in the creation of new Digital Assets or versions of existing Digital Assets. Insfers has no obligation to support any new Digital Asset created as a result of a Fork. You acknowledge that Forks may create uncertainty regarding ownership, valuation, transaction history, and other attributes of Digital Assets, and that Insfers will not be liable for any losses or disputes arising from Forks.
Insfers may charge fees for certain Services, including but not limited to fiat conversion services, premium features, expedited transactions, or other value-added services. Any fees charged by Insfers will be clearly disclosed to you before you complete a Transaction or access a fee-based service. Insfers reserves the right to introduce new fees, modify existing fees, or eliminate fees at any time with reasonable advance notice.
All fees charged by Insfers are non-refundable once a Transaction or service has been initiated, except as expressly provided in these Terms or as required by applicable law. You authorize Insfers to deduct applicable fees from your Transaction amounts or Wallet balance.
In addition to any fees charged by Insfers, you will be responsible for all fees charged by third parties, including but not limited to:
Gas Fees and Network Fees vary based on network congestion, transaction complexity, and other factors beyond Insfers' control. Insfers does not receive any portion of Gas Fees or Network Fees. Insfers will display estimated Gas Fees before you confirm a Transaction, but actual fees may vary based on final network conditions.
If you believe that you have been charged an incorrect fee by Insfers, you must notify Insfers in writing within 30 days of the Transaction by emailing support@insfers.com with details of the disputed fee, including the Transaction ID, date, amount, and reason for the dispute. Failure to notify Insfers of a fee dispute within 30 days will constitute acceptance of the fee as correct.
Insfers and its Third-Party Partners are committed to complying with all applicable laws and regulations governing financial services, digital assets, anti-money laundering (AML), combating the financing of terrorism (CFT), economic sanctions, and tax reporting. You agree to comply with all applicable laws and regulations in connection with your use of the Services.
To use certain features of the Services, particularly fiat conversion services, you will be required to complete identity verification procedures mandated by applicable law and regulations, including Know Your Customer (KYC) requirements. The KYC process may require:
You represent and warrant that all information provided during the KYC process is accurate, complete, current, and truthful. Providing false, misleading, or inaccurate information may result in immediate termination of your account, reporting to law enforcement or regulatory authorities, and potential criminal prosecution.
For certain Transactions or account activities that present heightened risk — including large-value transactions, frequent transactions, transactions involving high-risk jurisdictions, business or commercial accounts, or transactions that trigger automated monitoring alerts — Insfers or its Partners may require Enhanced Due Diligence. You agree to cooperate fully with any such requests and to provide all requested information and documentation within the timeframes specified.
Insfers and its Partners employ automated systems to monitor Transactions for suspicious activity, potential money laundering, terrorist financing, sanctions violations, fraud, or other illegal activity. If Insfers or a Partner suspects illegal activity, we may be required to file a Suspicious Activity Report (SAR) or similar report with law enforcement or financial intelligence units.
The Services are not available to persons or entities located in or resident of jurisdictions where providing the Services would violate applicable law. You may not use the Services if you are located in or a resident of any jurisdiction subject to comprehensive U.S. economic sanctions, including but not limited to Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine.
If Insfers determines that you may be a prohibited person or engaged in prohibited activity, your account will be immediately suspended or terminated, and Insfers may be required to freeze or seize your Digital Assets and report your activity to authorities.
You agree that you will not use the Services for any illegal, fraudulent, harmful, or prohibited purposes. Specifically, you may not use the Services to:
You may not use the Services to engage in any activity that could damage, disable, overburden, impair, interfere with, or disrupt the Services, including but not limited to:
You may not create multiple accounts, impersonate other persons or entities, provide false information, circumvent account suspensions by creating new accounts, or use the Services on behalf of sanctioned persons or prohibited jurisdictions.
Insfers reserves the right to monitor use of the Services to ensure compliance with these Terms, detect and prevent illegal activity, protect other users, and respond to legal obligations. If Insfers determines or has reasonable suspicion of prohibited activities, Insfers may immediately suspend or terminate your access, refuse to process pending Transactions, report your activity to law enforcement, and cooperate with investigations.
Prohibited activities may result in immediate account termination, cancellation of pending Transactions, forfeiture of fees, reporting to law enforcement, civil litigation, and cooperation with criminal prosecution. Certain prohibited activities constitute serious crimes under federal and state law and may result in substantial criminal penalties including imprisonment and fines.
As between you and Insfers, Insfers owns and retains all right, title, and interest in and to the Services, including all software, applications, code, algorithms, technology, documentation, content, designs, user interfaces, graphics, logos, trademarks, service marks, trade names, and all Intellectual Property Rights therein. The Services are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.
Subject to your compliance with these Terms, Insfers grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services solely for your personal, non-commercial purposes. This license does not include any right to:
If you provide Insfers with any feedback, suggestions, recommendations, ideas, or other input regarding the Services (“Feedback”), you grant Insfers a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, transferable, sublicensable license to use, reproduce, modify, create derivative works from, distribute, display, perform, and otherwise exploit such Feedback for any purpose without restriction and without any obligation to compensate you.
You represent and warrant to Insfers that:
Volatility Risk
Digital Assets are highly volatile and subject to rapid and significant price fluctuations. You may experience substantial losses, and there is no guarantee Digital Assets will maintain any particular value.
Technology Risk
Blockchain Networks may experience technical failures, bugs, security vulnerabilities, network congestion, or other problems that could affect your ability to access or transfer Digital Assets.
Regulatory Risk
The regulatory landscape for Digital Assets is rapidly evolving. New laws, regulations, or enforcement actions could materially affect the legality, value, or utility of Digital Assets.
Loss of Access Risk
If you lose access to your Private Keys, Seed Phrase, or device, you may permanently lose access to your Digital Assets with no recovery mechanism.
Irreversibility Risk
Once a Transaction is confirmed on a Blockchain Network, it cannot be reversed or canceled, even if sent in error or to an incorrect address.
Counterparty Risk
Third-Party Partners may experience technical failures, insolvency, fraud, or regulatory action that could delay transactions or result in loss of funds.
Cybersecurity Risk
Your Wallet and Digital Assets may be vulnerable to hacking, phishing, malware, social engineering, or other cybersecurity threats despite security measures.
Operational Risk
The Services may experience downtime, interruptions, errors, or technical problems that could prevent you from accessing your Wallet or executing Transactions.
Tax Risk
The tax treatment of Digital Assets is uncertain and varies by jurisdiction. You are solely responsible for determining your tax obligations and paying all applicable taxes.
The limitations of liability do not apply to liability arising from Insfers' gross negligence, willful misconduct, or fraud, to liability for death or personal injury caused by Insfers' negligence to the extent prohibited by applicable law, or to any other liability that cannot be excluded or limited by applicable law.
You acknowledge and agree that the limitations of liability are fundamental elements of the basis of the bargain between you and Insfers, that Insfers would not be able to provide the Services on an economically reasonable basis without such limitations, and that such limitations will apply notwithstanding any failure of essential purpose of any limited remedy.
You agree to defend, indemnify, and hold harmless Insfers, its parent company, subsidiaries, affiliates, and their respective officers, directors, employees, agents, contractors, partners, and assigns (collectively, the “Insfers Indemnified Parties”) from and against any and all third-party claims, actions, proceedings, demands, losses, damages, liabilities, settlements, penalties, fines, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:
Insfers will defend, indemnify, and hold harmless you from and against any third-party claims alleging that your authorized use of the Insfers-developed software components of the Services in accordance with these Terms infringes or misappropriates such third party's United States patent, copyright, or trademark rights, provided that you provide Insfers with prompt written notice of the claim, grant Insfers sole control over the defense and settlement, and provide reasonable cooperation.
Insfers' indemnification obligations do not apply to claims arising from your modification of the Services, use in combination with products not provided by Insfers, use not authorized by these Terms, third-party software or protocols, public blockchain networks, continued use after notice to cease, or use of outdated versions where a current version would have avoided infringement.
These Terms commence on the date you first access or use the Services and continue until terminated in accordance with this Section.
You may stop using the Services at any time by ceasing to access the Services and deleting the Insfers application from your devices. You should transfer any Digital Assets you wish to retain to another wallet before terminating your use of the Services.
Insfers may suspend or terminate your access to the Services at any time, with or without cause, with or without notice, in Insfers' sole discretion. Reasons for suspension or termination include but are not limited to:
Upon termination, you must immediately cease all use of the Services. If you retained your Seed Phrase, you may be able to import your Wallet into other compatible wallet applications to access your Digital Assets. Insfers has no obligation to assist with such migration.
All provisions that by their nature should survive termination will survive, including Definitions, Self-Custody and User Responsibility, Intellectual Property, Disclaimers, Risk Disclosure, Limitation of Liability, Indemnification, and General Provisions.
All fees paid to Insfers are non-refundable, except as expressly provided in these Terms or as required by applicable law. If Insfers terminates your access for convenience, Insfers will refund any prepaid fees on a pro-rata basis. If Insfers terminates your access for cause, no refunds will be provided.
If you have not accessed the Services or conducted any Transactions for a period of 24 consecutive months, Insfers may classify your account as dormant. Insfers may attempt to contact you, and if unable to reach you or receive a response, may terminate your account. You remain responsible for maintaining access to your Digital Assets through your Seed Phrase regardless of account status.
These Terms and any disputes arising out of or relating to these Terms or the Services will be governed by and construed in accordance with the laws of the State of California, without regard to its conflicts of law principles. The United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transactions Act are expressly excluded.
Before initiating any litigation or arbitration, the parties agree to attempt in good faith to resolve any dispute through informal negotiation. Either party may initiate the process by providing written notice describing the dispute. Within 15 days, representatives with decision-making authority will meet to attempt to resolve the dispute.
If the dispute cannot be resolved through negotiation within 30 days, Insfers, in its sole discretion, may elect to require binding arbitration. If Insfers elects arbitration, the dispute will be determined by arbitration in San Francisco, California before one arbitrator, administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures.
Either party may seek injunctive or other equitable relief to enforce Intellectual Property Rights or confidential information obligations without first engaging in arbitration. Disputes involving claims for amounts less than $10,000 may be brought in small claims court.
If Insfers does not elect arbitration, any legal action must be brought exclusively in the state or federal courts located in San Francisco County, California. Each party irrevocably consents to the personal jurisdiction and venue of such courts.
You acknowledge that a breach of Sections 7 (Prohibited Use), 8 (Intellectual Property), or provisions relating to illegal activity may cause irreparable harm to Insfers for which monetary damages would be an inadequate remedy. Insfers will be entitled to seek injunctive relief without the necessity of posting a bond or proving actual damages.
Neither party will be liable for any failure or delay caused by events beyond reasonable control, including acts of God, natural disasters, war, terrorism, pandemics, network infrastructure failures, blockchain network failures, or shortages of transportation, fuel, energy, labor, or materials.
All notices under these Terms must be in writing. Notices to Insfers should be sent to support@insfers.com. Notices to you will be sent to your registered email address.
You may not assign, transfer, or delegate these Terms without Insfers' prior written consent. Insfers may assign these Terms without your consent in connection with a merger, acquisition, corporate reorganization, or sale of substantially all assets.
The parties are independent contractors. Nothing in these Terms creates any partnership, joint venture, agency, franchise, employment, or fiduciary relationship.
These Terms are for the sole benefit of the parties and their respective successors and permitted assigns, except that Third-Party Partners are express third-party beneficiaries with the right to enforce provisions that protect their interests.
No waiver of any provision will be effective unless in writing. No failure or delay in exercising any right will operate as a waiver of such right.
If any provision is held invalid, illegal, or unenforceable, the remaining provisions continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid while preserving its intent.
These Terms, together with the Privacy Policy and any other documents expressly incorporated by reference, constitute the entire agreement between the parties and supersede all prior understandings regarding the subject matter.
Insfers may amend these Terms from time to time as provided in Section 1.3. No other amendment will be effective unless in writing and signed by authorized representatives of both parties.
Headings are for convenience only. The words “including” and similar terms are deemed to be followed by “without limitation.” The word “or” is not exclusive. These Terms have been prepared in the English language, and the English language version will control.
The Services may be subject to United States export control laws and regulations. You will not export, re-export, or transfer the Services to any prohibited country, entity, or person under U.S. export control laws. You are responsible for complying with all applicable export control laws.
For U.S. government entities, the Services constitute “commercial computer software” and “commercial computer software documentation” as defined in Federal Acquisition Regulation Section 12.212. Government users acquire the Services with only those rights set forth in these Terms.
For questions, concerns, or notices regarding these Terms, please contact Insfers at support@insfers.com.
BY CLICKING “I ACCEPT” OR “I AGREE,” BY DOWNLOADING THE INSFERS WALLET APPLICATION, BY CREATING AN ACCOUNT, BY ACCESSING OR USING THE SERVICES, YOU ACKNOWLEDGE THAT:
IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE SERVICES.
© 2025 Insfers Inc. All Rights Reserved.
Insfers is a registered trademark of Insfers Inc., a Delaware corporation.
Last Updated: January 31, 2026
For questions about these Terms: support@insfers.com