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 clicking "I Accept" or "I Agree," downloading the Insfers Wallet application, creating an account, accessing the Services, or using any part of the Insfers platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you may not access or use the Services.
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. In such case, "you" and "your" will refer to 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. You are responsible for regularly reviewing these Terms to stay informed of any changes. 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. "Authorized User" means any individual granted access to use the Services through an organizational account managed by Customer. "Blockchain" means a distributed ledger technology that records transactions across multiple computers in a way that makes it difficult to alter the records retroactively. "Blockchain Network" means the specific blockchain protocol on which Digital Assets are recorded and transferred, including but not limited to Ethereum, Polygon, Stellar, and other supported networks.
"Digital Asset" or "Digital Assets" means blockchain-based tokens, cryptocurrencies, stablecoins, or other cryptographic assets that represent value and can be transferred, stored, or traded electronically, including but not limited to USD Coin (USDC), Bitcoin (BTC), Ethereum (ETH), and other assets supported by the Services from time to time. "Fiat Currency" means government-issued currency that is declared legal tender, including but not limited to United States Dollars (USD), Euros (EUR), British Pounds (GBP), and other traditional currencies.
"Fork" means a change to the underlying protocol of a Blockchain Network that results in more than one version of a Digital Asset, which may occur as a planned upgrade or as a result of a disagreement within the blockchain community. "Gas Fees" or "Network Fees" means the transaction fees required by Blockchain Networks to process and validate transactions, which are paid to network validators or miners and not to Insfers. "Know Your Customer" or "KYC" means identity verification procedures required by law and regulation to prevent fraud, money laundering, and terrorist financing.
"Order Form" means a written or electronic agreement between Insfers and Customer specifying commercial terms for enterprise or institutional accounts. "Private Key" means the cryptographic key that enables you to access, control, and authorize transactions involving Digital Assets associated with your Wallet, which must be kept confidential and secure. "Public Key" or "Wallet Address" means the cryptographically derived identifier associated with your Wallet that can be shared publicly to receive Digital Assets.
"Seed Phrase" or "Recovery Phrase" means the human-readable series of words generated by your Wallet that can be used to recover access to your Private Key and Digital Assets if you lose access to your device or application. "Services" means the Insfers Wallet application, website, APIs, and all associated services provided by Insfers. "Supported Digital Assets" means only those specific Digital Assets that Insfers has designated as supported for storage, transfer, or conversion through the Services, as listed in the Services and subject to change at any time.
"Third-Party Partner" or "Partner" means regulated financial institutions, payment processors, identity verification services, fiat on-ramp and off-ramp providers, and other service providers that Insfers engages to facilitate certain aspects of the Services, including fiat currency conversions. "Transaction" means any transfer, exchange, conversion, or other operation involving Digital Assets or Fiat Currency through the Services. "Wallet" means the self-custodial digital wallet application provided by Insfers that stores your Private Keys locally on your device and enables you to interact with Blockchain Networks.
The Services provide a self-custodial Wallet, which means that you, and you alone, have exclusive control over your Private Keys and Digital Assets. Insfers does not have access to, cannot view, cannot recover, and does not store your Private Keys, Seed Phrases, passwords, or Digital Assets at any time. 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 storing your Seed Phrase in a secure physical location, never sharing your Private Keys or Seed Phrase with any person or entity, using strong and unique passwords, enabling device security features including passcodes and biometric authentication, keeping your device and Insfers application software updated with the latest security patches, avoiding use of the Services on compromised, rooted, or jailbroken devices, and exercising caution when accessing your Wallet on public or shared networks.
You acknowledge that if you lose access to your Private Keys, Seed Phrase, or device, Insfers cannot and will not be able to recover your Digital Assets for you. Unlike traditional financial institutions, there is no password reset mechanism, customer service recovery process, or backup system that can restore access to your Wallet if you lose your credentials. If your Private Keys or Seed Phrase are lost, stolen, compromised, or destroyed, your Digital Assets may be permanently and irrecoverably lost. You assume all risks associated with securing your Private Keys and Seed Phrases.
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. Insfers has no ability to reverse, undo, or modify Transactions after they have been confirmed on a Blockchain Network.
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 irrecover able 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. You acknowledge that customer support cannot assist with recovery of Private Keys, Seed Phrases, or Digital Assets under any circumstances.
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. You assume all risks associated with the potential loss, theft, or unauthorized access to your Digital Assets.
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. You must write down your Seed Phrase and store it in a secure physical location that is separate from your device.
You must never store your Seed Phrase digitally, including in screenshots, photos, text files, notes applications, cloud storage services, or emails, as such storage methods are vulnerable to hacking and unauthorized access. You must never share your Seed Phrase with anyone, including Insfers customer support personnel, as Insfers will never ask for your Seed Phrase under any circumstances. Any person who requests your Seed Phrase is attempting to scam you and steal your Digital Assets.
You acknowledge that failure to properly backup and secure your Seed Phrase will result in permanent loss of access to your Digital Assets if your device is lost, stolen, damaged, or otherwise becomes inaccessible. Insfers has no backup of your Seed Phrase and cannot regenerate or provide your Seed Phrase to you under any circumstances.
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.
You may only use the Services with Supported Digital Assets on supported Blockchain Networks. Attempting to send, receive, or store unsupported Digital Assets or assets on unsupported networks through the Services may result in the permanent and irrecoverable loss of those assets. 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 through the Services, email, or other appropriate communication channels.
If you hold a Digital Asset that Insfers plans to discontinue supporting, you will be responsible for transferring that Digital Asset to another wallet that supports the asset before the date on which Insfers discontinues support. If you fail to transfer unsupported Digital Assets before the discontinuation date, Insfers may, in its sole discretion, attempt to facilitate transfer of those assets to you or to convert them to a Supported Digital Asset, but Insfers has no obligation to do so and will not be liable for any losses, damages, or costs associated with discontinued Digital Assets.
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, including but not limited to foreign exchange controls, sanctions, export controls, and tax laws.
Insfers does not provide advice regarding the legal, tax, or regulatory implications of cross-border Digital Asset transfers, and you should consult with qualified legal and tax professionals before engaging in such transfers. Insfers is not responsible for any penalties, fines, taxes, or other liabilities arising from your cross-border transfers of Digital Assets.
Through Third-Party Partners, Insfers may facilitate conversions between Supported Digital Assets and Fiat Currency, enabling you to deposit Fiat Currency to purchase Digital Assets or convert Digital Assets to Fiat Currency for withdrawal. 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, which may differ from these Terms.
When you use fiat conversion services, you will be required to complete identity verification (KYC) procedures as mandated by applicable law and the requirements of our Third-Party Partners. You authorize Insfers to share necessary information with Third-Party Partners to facilitate fiat conversion services. You acknowledge that fiat conversions may be subject to transaction limits, daily or monthly caps, processing times, and availability restrictions based on your jurisdiction, verification level, and Partner policies.
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, and you may not receive access to assets created by Forks unless Insfers specifically announces support for them. If Insfers decides to support a Digital Asset created by a Fork, we will provide notice and instructions through the Services.
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' decision whether to support or not support any forked asset will be made in Insfers' sole discretion, and you agree to abide by that decision.
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, except where immediate changes are required by law or to address emergency situations
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. Fees are calculated and charged in the currency or Digital Asset specified at the time of the Transaction. 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 required by Blockchain Networks to process Transactions, fees charged by Third-Party Partners for fiat conversion services, fees charged by your bank or payment processor for deposits or withdrawals, foreign exchange fees or currency conversion fees charged by financial institutions, and any other fees imposed by third parties in connection with your use of the Services.
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, which are paid directly to Blockchain Network validators or miners. You acknowledge that Gas Fees and Network Fees can be substantial during periods of high network activity, and you are solely responsible for paying all such fees. Insfers will display estimated Gas Fees before you confirm a Transaction, but actual fees may vary slightly 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. Insfers will investigate all good faith fee disputes promptly and will issue a refund or credit if we determine that an error occurred. Failure to notify Insfers of a fee dispute within 30 days will constitute acceptance of the fee as correct. You may not withhold payment of undisputed fees pending resolution of any dispute.
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. Insfers will investigate all good faith fee disputes promptly and will issue a refund or credit if we determine that an error occurred. Failure to notify Insfers of a fee dispute within 30 days will constitute acceptance of the fee as correct. You may not withhold payment of undisputed fees pending resolution of any dispute.
You acknowledge that the regulatory landscape for digital assets is rapidly evolving and that new laws, regulations, guidance, or enforcement actions may affect your ability to use the Services, the types of Transactions you can conduct, the jurisdictions you can transact with, and the costs and processes associated with using the Services. You agree to comply with all applicable laws and regulations in connection with your use of the Services, and you acknowledge that Insfers may be required to modify the Services, restrict functionality, or terminate accounts to comply with legal and regulatory requirements.
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 be performed by Insfers, by Third-Party Partners, or by both, and typically includes providing your full legal name, date of birth, residential address, government-issued identification documents such as passport or driver's license, a photograph or selfie for identity verification, Social Security number or Tax Identification Number where required by law, and any additional information or documents requested to verify your identity or assess risk.
You represent and warrant that all information provided during the KYC process is accurate, complete, current, and truthful, and you agree to promptly update your information if any changes occur. Providing false, misleading, or inaccurate information during the KYC process may result in immediate termination of your account, reporting to law enforcement or regulatory authorities, and potential criminal prosecution.
Insfers and its Partners reserve the right to require periodic re-verification of your identity, to request additional documentation or information at any time, to use third-party identity verification services, to decline to verify your identity if we are unable to obtain satisfactory verification, and to reject, suspend, or terminate your account if you fail to complete identity verification within required timeframes or if verification reveals information that creates legal, regulatory, or compliance concerns.
For certain Transactions or account activities that present heightened risk, including but not limited to 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. Enhanced Due Diligence may include requests for additional identity documents, proof of address documentation, proof of source of funds or source of wealth, explanation of the business purpose or nature of transactions, information about beneficial owners of legal entities, or any other information necessary to satisfy legal and regulatory obligations.
You agree to cooperate fully with any Enhanced Due Diligence requests and to provide all requested information and documentation within the timeframes specified. Failure to provide requested information may result in suspension or termination of your account and Services.
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. These monitoring systems analyze Transaction patterns, amounts, frequencies, jurisdictions, counterparties, and other factors to identify potentially problematic activity. You acknowledge and agree that Insfers and its Partners may review, investigate, delay, refuse to process, cancel, reverse, or report any Transaction that raises compliance concerns.
If Insfers or a Partner suspects that a Transaction may involve illegal activity, violate sanctions, constitute money laundering or terrorist financing, or otherwise present legal or regulatory concerns, we may be required to file a Suspicious Activity Report (SAR) or similar report with law enforcement or financial intelligence units. You acknowledge that Insfers is prohibited by law from notifying you if we file a SAR or if law enforcement is investigating your account or Transactions.
Insfers and its Partners may share information with each other, with regulatory authorities, with law enforcement agencies, with financial intelligence units, and with other entities as required or permitted by law to investigate potentially illegal activity, comply with legal obligations, enforce these Terms, and protect the Services and other users.
The Services are not available to persons or entities located in or resident of jurisdictions where providing the Services would violate applicable law or where Insfers has chosen not to offer Services for business or compliance reasons. 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, or any other jurisdiction where providing the Services is prohibited.
You may not use the Services if you are identified on any government restricted or sanctioned parties list, including but not limited to OFAC's Specially Designated Nationals List, the European Union Consolidated Sanctions List, the United Nations Security Council Consolidated List, or similar lists maintained by other governments. You represent and warrant that you are not a prohibited or sanctioned person or entity and that your use of the Services does not violate any applicable sanctions laws.
Insfers reserves the right to block, suspend, or terminate Services to any jurisdiction at any time, to screen Transactions against sanctions lists and prohibited jurisdictions, and to refuse service to any person or entity that appears on a restricted parties list or raises sanctions concerns. 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, and that you will comply with all applicable laws and regulations in connection with your use of the Services. Specifically, you may not use the Services to engage in or facilitate money laundering, terrorist financing, proliferation financing, sanctions evasion, fraud, tax evasion, bribery, corruption, or any other financial crime, to purchase or sell illegal goods or services, including but not limited to narcotics, weapons, stolen goods, counterfeit items, or child exploitation materials, to conduct gambling, gaming, or betting activities where prohibited by law, to conduct or facilitate securities, commodities, or derivatives trading without appropriate licenses and registrations, to manipulate markets, engage in wash trading, or conduct fraudulent or deceptive trading activities, to send or receive Digital Assets to or from darknet markets, mixing services, tumblers, or other services designed to obscure transaction origins, to engage in ransomware attacks or to facilitate ransom payments, to conduct Ponzi schemes, pyramid schemes, or other fraudulent investment schemes, to infringe or misappropriate intellectual property rights of others, to violate the privacy rights or publicity rights of others, or to use the Services in connection with any activity that is illegal under the laws of your jurisdiction or the laws of the United States.
You may not use the Services to engage in any activity that could damage, disable, overburden, impair, interfere with, or disrupt the Services, Insfers' systems or networks, other users' use of the Services, or Third-Party Partner systems, including but not limited to launching denial of service attacks, introducing viruses, worms, malware, ransomware, or other harmful code, attempting to gain unauthorized access to systems, networks, accounts, or data, engaging in phishing, social engineering, or other attempts to obtain credentials or private information from other users, reverse engineering, decompiling, disassembling, or attempting to discover the source code of the Services, using automated systems, bots, scripts, or scrapers to access the Services without authorization, circumventing, disabling, or interfering with security features or access controls, or using the Services in any manner that exceeds reasonable usage levels or that negatively affects other users' ability to use the Services.
You may not create multiple accounts, impersonate other persons or entities, provide false or misleading information, circumvent account suspensions or terminations by creating new accounts, or use the Services on behalf of sanctioned persons or prohibited jurisdictions. You may not sell, rent, transfer, or share access to your Wallet or account with any third party. You may not use the Services for any commercial purpose other than managing your own Digital Assets unless you have entered into a separate written agreement with Insfers authorizing such use.
Insfers has no obligation to monitor your use of the Services or the content of your Transactions, but Insfers reserves the right to do so in order to ensure compliance with these Terms, to detect and prevent illegal activity, to protect the Services and other users, to respond to legal obligations or requests from law enforcement, and to enforce these Terms. Insfers may access your account information, review Transaction histories, and investigate suspicious activity when we have a reasonable basis to believe that you may be violating these Terms or applicable laws.
If Insfers determines or has reasonable suspicion that you are engaging in prohibited activities, violating these Terms, or conducting illegal activity, Insfers may immediately suspend or terminate your access to the Services, refuse to process pending Transactions, report your activity to law enforcement or regulatory authorities, provide information about your account and Transactions to authorities as required or permitted by law, cooperate with investigations by law enforcement or regulatory agencies, and take such other actions as Insfers deems necessary to protect the Services, comply with legal obligations, or enforce these Terms. You acknowledge that Insfers may take these actions without providing prior notice to you and without liability to you.
In addition to any other remedies available at law or in equity, if you engage in any prohibited activity or violate these Terms, Insfers may impose the following consequences: immediate suspension or termination of your account and access to the Services, cancellation of pending Transactions, forfeiture of any fees paid to Insfers, reporting of your activity to law enforcement, financial intelligence units, or regulatory authorities, civil litigation to recover damages and enforcement costs, and cooperation with criminal prosecution of your conduct where appropriate.
You acknowledge that certain prohibited activities, including but not limited to money laundering, terrorist financing, sanctions violations, and fraud, constitute serious crimes under federal and state law and may result in substantial criminal penalties including imprisonment and fines. Insfers has zero tolerance for illegal activity and will cooperate fully with law enforcement investigations and prosecutions.
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 of the United States and foreign jurisdictions. Nothing in these Terms grants you any ownership rights in the Services beyond the limited license explicitly granted in Section 8.2.
The Insfers name, Insfers logo, and all related product and service names, design marks, and slogans are trademarks or registered trademarks of Insfers Inc. You may not use these marks without the prior written permission of Insfers except as necessary to identify Insfers as the provider of the Services in accordance with normal business practices. All other trademarks, service marks, and trade names referenced in connection with the Services are the property of their respective owners.
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 in accordance with these Terms and the Documentation. This license does not include any right to resell or make commercial use of the Services, to modify, reproduce, distribute, create derivative works from, publicly display, or publicly perform the Services or any portion thereof, to reverse engineer, decompile, disassemble, or attempt to discover the source code or underlying algorithms of the Services, to circumvent or disable any security features or access controls, to use the Services to build competing products or services, to copy, frame, mirror, or scrape content from the Services, or to use the Services in any manner that exceeds the scope of authorized use granted herein.
If you provide Insfers with any feedback, suggestions, recommendations, ideas, or other input regarding the Services, collectively referred to as "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 or maintain the Feedback in confidence. You represent and warrant that you have all rights necessary to grant Insfers the foregoing license and that the Feedback does not infringe or misappropriate any third-party rights.
You represent and warrant to Insfers that you have the full power and authority to enter into these Terms and to use the Services in accordance with these Terms, that your use of the Services will not violate any agreement to which you are a party or any law or regulation applicable to you, that all information you provide to Insfers is accurate, complete, current, and truthful, that you are not a prohibited or sanctioned person or entity, that you will use the Services only for lawful purposes and in compliance with these Terms, that you will not use the Services to engage in any illegal activity, that any Digital Assets you transfer through the Services were lawfully acquired and are not the proceeds of illegal activity, that you have paid all applicable taxes related to your acquisition and use of Digital Assets, that you understand the risks associated with Digital Assets and self-custodial wallets, and that you have sufficient technical knowledge and understanding to use the Services safely.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INSFERS SPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AND QUIET ENJOYMENT.
INSFERS DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS, THAT DEFECTS WILL BE CORRECTED, THAT THE SERVICES OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE FROM VULNERABILITIES OR ATTACKS, OR THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS. INSFERS MAKES NO WARRANTIES REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF INFORMATION PROVIDED THROUGH THE SERVICES, INCLUDING DIGITAL ASSET PRICES, EXCHANGE RATES, TRANSACTION STATUS, OR BLOCKCHAIN NETWORK DATA.
INSFERS MAKES NO WARRANTIES REGARDING THIRD-PARTY PARTNERS, BLOCKCHAIN NETWORKS, DIGITAL ASSETS, OR ANY CONTENT OR SERVICES ACCESSED THROUGH THE SERVICES. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM INSFERS OR THROUGH THE SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU TO THE EXTENT PROHIBITED BY APPLICABLE LAW.
INSFERS DOES NOT PROVIDE INVESTMENT, FINANCIAL, TAX, LEGAL, OR REGULATORY ADVICE. NOTHING IN THE SERVICES OR THESE TERMS CONSTITUTES A RECOMMENDATION, ENDORSEMENT, OR SOLICITATION TO BUY, SELL, HOLD, OR TRANSFER ANY DIGITAL ASSET OR TO ENGAGE IN ANY PARTICULAR TRANSACTION OR INVESTMENT STRATEGY. ALL DECISIONS TO USE THE SERVICES, TO ACQUIRE OR DISPOSE OF DIGITAL ASSETS, OR TO ENGAGE IN TRANSACTIONS ARE MADE SOLELY BY YOU AT YOUR OWN RISK BASED ON YOUR OWN EVALUATION AND JUDGMENT.
ANY INFORMATION PROVIDED THROUGH THE SERVICES REGARDING DIGITAL ASSETS, MARKET CONDITIONS, PRICES, OR TRENDS IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON FOR MAKING INVESTMENT DECISIONS. YOU SHOULD CONDUCT YOUR OWN RESEARCH AND CONSULT WITH QUALIFIED FINANCIAL, TAX, AND LEGAL ADVISORS BEFORE ENGAGING IN ANY DIGITAL ASSET ACTIVITY OR TRANSACTION.
Digital Assets involve substantial risks that could result in the complete loss of your funds. You acknowledge and accept all risks associated with Digital Assets and the Services, including but not limited to the risks described in this section. You should not acquire, hold, or transact in Digital Assets unless you can afford to lose your entire investment.
Digital Assets are highly volatile and subject to rapid and significant price fluctuations. The value of Digital Assets can increase or decrease dramatically within short periods of time, and past performance is not indicative of future results. You may experience substantial losses in the value of your Digital Assets, and there is no guarantee that Digital Assets will maintain any particular value or that you will be able to convert them to Fiat Currency at favorable rates or at all.
Blockchain technology is relatively new and untested at scale. Blockchain Networks may experience technical failures, bugs, security vulnerabilities, network congestion, delays, consensus failures, or other technical problems that could affect your ability to access or transfer Digital Assets, cause delays or failures in Transaction processing, result in loss or theft of Digital Assets, or have other adverse effects. Smart contracts may contain bugs or vulnerabilities that could result in loss of funds. Insfers has no control over Blockchain Networks and is not responsible for technical problems affecting them.
The regulatory status of Digital Assets is unclear, unsettled, and varies significantly across jurisdictions. Regulatory frameworks governing Digital Assets are rapidly evolving, and new laws, regulations, interpretations, or enforcement actions could materially affect the legality, value, or utility of Digital Assets, restrict or prohibit ownership or use of Digital Assets, impose reporting or tax obligations, require licensing or registration, restrict or prohibit certain types of transactions, or otherwise limit your ability to use the Services. Changes in laws or regulations could force Insfers to discontinue or modify the Services, restrict access to certain features or jurisdictions, or terminate accounts.
If you lose access to your Private Keys, Seed Phrase, device, or Insfers application, you may permanently lose access to your Digital Assets. There is no password reset mechanism or account recovery service that can restore access to your Wallet. You are solely responsible for maintaining secure backups of your credentials and for ensuring continuity of access to your Digital Assets.
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. You bear all risk of loss resulting from erroneous transactions, and Insfers cannot reverse or recover Digital Assets sent to incorrect addresses.
When using fiat conversion services, you are relying on Third-Party Partners to process transactions. These Partners may experience technical failures, insolvency, fraud, regulatory action, or other problems that could delay transactions, result in loss of funds, or prevent completion of services. Insfers is not responsible for the performance or failures of Third-Party Partners.
Despite Insfers' security measures, no system is entirely secure. Your Wallet and Digital Assets may be vulnerable to hacking, phishing, malware, social engineering, unauthorized access, theft, or other cybersecurity threats. You are responsible for implementing appropriate security measures to protect your device, credentials, and Digital Assets from cyberattacks.
The Services may experience downtime, interruptions, errors, delays, or technical problems that could prevent you from accessing your Wallet, executing Transactions, or using features of the Services. While Insfers strives to maintain reliable Services, Insfers cannot guarantee uninterrupted availability and will not be liable for losses resulting from service interruptions.
The tax treatment of Digital Assets is uncertain and varies by jurisdiction. You may have tax obligations related to acquiring, holding, transferring, or disposing of Digital Assets, including income tax, capital gains tax, or other taxes. You are solely responsible for determining your tax obligations and for paying all applicable taxes. Insfers does not provide tax advice, and you should consult with a qualified tax professional regarding your tax obligations.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL INSFERS, ITS PARENT COMPANY, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, PARTNERS, SUPPLIERS, OR LICENSORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DIGITAL ASSETS, LOSS OF FIAT CURRENCY, LOSS OF BUSINESS OPPORTUNITIES, LOSS OF GOODWILL, LOSS OF DATA, LOSS OF ACCESS TO FUNDS, BUSINESS INTERRUPTION, COST OF PROCUREMENT OF SUBSTITUTE SERVICES, OR ANY OTHER INTANGIBLE LOSSES, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE, OR OTHERWISE) AND EVEN IF INSFERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
THIS EXCLUSION OF LIABILITY APPLIES TO DAMAGES ARISING FROM YOUR USE OR INABILITY TO USE THE SERVICES, LOSS OF ACCESS TO YOUR WALLET OR PRIVATE KEYS, ERRONEOUS OR FAILED TRANSACTIONS, UNAUTHORIZED ACCESS TO OR THEFT OF YOUR DIGITAL ASSETS, HACKING OR SECURITY BREACHES, LOSS OR THEFT OF YOUR DEVICE OR CREDENTIALS, FAILURE OF BLOCKCHAIN NETWORKS OR THIRD-PARTY PARTNERS, VOLATILITY IN DIGITAL ASSET PRICES, REGULATORY ACTIONS OR LEGAL RESTRICTIONS, TECHNICAL ERRORS OR BUGS IN THE SERVICES, SERVICE INTERRUPTIONS OR DOWNTIME, OR ANY OTHER MATTER RELATING TO THE SERVICES OR DIGITAL ASSETS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INSFERS' TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT OF FEES ACTUALLY PAID BY YOU TO INSFERS DURING THE THREE MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED DOLLARS ($100). THIS LIMITATION APPLIES TO ALL CLAIMS IN THE AGGREGATE AND NOT PER INCIDENT.
The limitations of liability set forth in Sections 11.1 and 11.2 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 such limitation is prohibited by applicable law, or to any other liability that cannot be excluded or limited by applicable law. Additionally, nothing in these Terms excludes or limits Insfers' liability to the extent such exclusion or limitation is prohibited by applicable law.
You acknowledge and agree that the limitations of liability set forth in this Section 11 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. These limitations will apply even if you have been advised of the possibility of such damages and regardless of whether any remedy fails of its essential purpose.
INSFERS HAS NO CONTROL OVER BLOCKCHAIN NETWORKS AND IS NOT RESPONSIBLE FOR ANY ISSUES, DELAYS, FAILURES, ERRORS, OR LOSSES RELATED TO BLOCKCHAIN NETWORKS, INCLUDING BUT NOT LIMITED TO NETWORK CONGESTION, CONSENSUS FAILURES, FORKS, SMART CONTRACT BUGS, VALIDATOR OR MINER BEHAVIOR, TRANSACTION DELAYS OR FAILURES, GAS FEE FLUCTUATIONS, OR ANY OTHER BLOCKCHAIN NETWORK ISSUES. YOU ASSUME ALL RISKS ASSOCIATED WITH BLOCKCHAIN NETWORKS.
INSFERS IS NOT RESPONSIBLE FOR THE ACTS, OMISSIONS, ERRORS, DELAYS, FAILURES, FRAUD, INSOLVENCY, OR OTHER PROBLEMS OF THIRD-PARTY PARTNERS, INCLUDING FIAT CONVERSION PARTNERS, PAYMENT PROCESSORS, IDENTITY VERIFICATION SERVICES, OR OTHER SERVICE PROVIDERS. YOUR SOLE REMEDY FOR DISPUTES WITH THIRD-PARTY PARTNERS IS TO PURSUE CLAIMS DIRECTLY AGAINST THOSE PARTNERS, AND INSFERS WILL NOT BE LIABLE FOR ANY DAMAGES OR LOSSES ARISING FROM THIRD-PARTY PARTNER FAILURES.
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 and court costs) arising out of or relating in any way to your use of the Services, your Digital Assets or Transactions, your violation of these Terms or any applicable law or regulation, your infringement or misappropriation of any third-party Intellectual Property Rights or other rights, your violation of any person's rights including rights of privacy or publicity, any acts or omissions of persons you authorize to access your Wallet or account, any misrepresentations made by you, your failure to pay applicable taxes, the funding source of your Digital Assets, your engagement in illegal activity using the Services, or your breach of any representation or warranty contained in these Terms.
Your indemnification obligations include claims arising from your negligent or wrongful acts or omissions, regardless of whether such acts were intentional. The Insfers Indemnified Parties will provide you with prompt written notice of any claim subject to indemnification, provided that failure to provide prompt notice will not relieve you of your indemnification obligations except to the extent you are materially prejudiced by such delay. You will have the right to control the defense and settlement of any indemnified claim, provided that you may not settle any claim without the prior written consent of the Insfers Indemnified Parties if such settlement would impose any obligation on the Insfers Indemnified Parties, require any admission of liability by the Insfers Indemnified Parties, or adversely affect the rights or interests of the Insfers Indemnified Parties. The Insfers Indemnified Parties reserve the right to participate in the defense of any claim at their own expense and to approve any settlement that affects their interests.
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 of the claim, and provide reasonable cooperation and assistance in the defense.
Insfers' indemnification obligations under this section do not apply to claims arising from your modification of the Services, your use of the Services in combination with products or services not provided by Insfers, your use of the Services in a manner not authorized by these Terms, your Digital Assets or content, third-party software, libraries, or protocols integrated into the Services including open-source blockchain protocols, public blockchain networks or their protocols, third-party APIs or services, continued use of allegedly infringing Services after being notified to cease use, use of a superseded or outdated version of the Services if infringement would have been avoided by using a current version made available by Insfers, or any features, functionality, or code that you specifically requested Insfers to implement.
If the Insfers-developed components of the Services become, or in Insfers' opinion are likely to become, the subject of an infringement claim, Insfers may, at its option and expense, procure the right for you to continue using the Services, replace or modify the Services to make them non-infringing while providing substantially equivalent functionality, or if neither of the foregoing options is commercially reasonable, terminate these Terms and refund any prepaid fees on a pro-rata basis. This Section 12.2 states Insfers' entire liability and your exclusive remedy for any infringement claims or actions, and Insfers' total liability under this section will not exceed the amounts set forth in Section 11.2.
These Terms commence on the date you first access or use the Services and continue until terminated in accordance with this Section 13.
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, as you may lose access to Digital Assets if you delete the application without properly backing up your Seed Phrase. Termination by you does not relieve you of any obligations that accrued prior to termination or that by their nature survive termination.
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 which Insfers may suspend or terminate your access include but are not limited to your violation of these Terms or any applicable law or regulation, your engagement in prohibited activities as described in Section 7, failure to complete identity verification when required, provision of false, misleading, or inaccurate information, activity that appears suspicious or indicative of illegal conduct, detection of fraudulent, abusive, or harmful behavior, chargebacks or payment disputes, legal requirements or court orders requiring suspension or termination, security concerns or threats to the Services or other users, technical or operational issues that prevent Insfers from providing Services to you, or business decisions to discontinue Services in your jurisdiction or to users with your usage patterns.
If Insfers terminates your access for cause, Insfers may refuse to provide Services to you in the future and may report your conduct to law enforcement or regulatory authorities. Termination does not affect any rights or obligations that accrued prior to termination, does not relieve you of any payment obligations, and does not limit any remedies available to Insfers at law or in equity.
Upon termination of your access to the Services, whether by you or by Insfers, you must immediately cease all use of the Services and must not attempt to access the Services through any means. If you retained your Seed Phrase, you may be able to import your Wallet into other compatible wallet applications to access your Digital Assets, as your Digital Assets exist on Blockchain Networks rather than within Insfers' systems. However, Insfers has no obligation to assist with such import or migration and is not responsible for any difficulties or losses you experience in attempting to access your Digital Assets through other applications.
All provisions of these Terms that by their nature should survive termination will survive termination, including but not limited to Sections 2 (Definitions), 3 (Self-Custody and User Responsibility), 8 (Intellectual Property Rights), 9.2 and 9.3 (Disclaimers and No Financial Advice), 10 (Risk Disclosure), 11 (Limitation of Liability), 12 (Indemnification), 13.4 through 13.6 (Effect of Termination and Survival), and 14 (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 or without cause, Insfers will refund any prepaid fees for Services on a pro-rata basis for the unused portion of any subscription period. If Insfers terminates your access for cause, including for violation of these Terms, 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 at your registered email address to confirm whether you wish to continue using the Services. If Insfers is unable to contact you or if you do not respond within a reasonable time period, Insfers 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 that would result in the application of the laws of another jurisdiction. The United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transactions Act, to the extent applicable, are expressly excluded from application to these Terms.
Before initiating any litigation or arbitration, the parties agree to attempt in good faith to resolve any dispute arising out of or relating to these Terms through informal negotiation. Either party may initiate the negotiation process by providing written notice to the other party describing the dispute in reasonable detail. Within 15 days after such notice, representatives from each party with decision-making authority will meet, either in person or by videoconference, to attempt to resolve the dispute.
If the dispute cannot be resolved through negotiation within 30 days after the initial notice, Insfers, in its sole and absolute discretion, may elect to either require the dispute to be resolved through binding arbitration as set forth below or permit you to file a lawsuit in the courts specified in Section 14.3. Insfers will notify you in writing of its election within 15 days after the end of the negotiation period. If Insfers does not make an election within this timeframe, you may file a lawsuit in accordance with Section 14.3.
If Insfers elects arbitration, any dispute, controversy, or claim arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, will be determined by arbitration in San Francisco, California before one arbitrator. The arbitration will be administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures. Judgment on the award may be entered in any court having jurisdiction. This clause will not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction.
THE PARTIES ACKNOWLEDGE THAT THEY ARE WAIVING THEIR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION OR CLASS ARBITRATION. THE ARBITRATION SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION, AND THE ARBITRATOR MAY NOT CONSOLIDATE THE CLAIMS OF MULTIPLE PARTIES WITHOUT THE EXPRESS WRITTEN CONSENT OF ALL PARTIES. THIS CLASS ACTION WAIVER APPLIES TO ANY CLAIMS BROUGHT AGAINST INSFERS OR ANY INSFERS INDEMNIFIED PARTY.
Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to enforce Intellectual Property Rights or confidential information obligations without first engaging in arbitration. Additionally, disputes involving claims for amounts less than $10,000 may be brought in small claims court in San Francisco County, California, or in the small claims court in the county where you reside, at your option.
If Insfers does not elect arbitration pursuant to Section 14.2, or for matters not subject to arbitration, any legal action or proceeding arising out of or relating to these Terms or the Services must be brought exclusively in the state or federal courts located in San Francisco County, California, and each party irrevocably consents to the personal jurisdiction and venue of such courts. You waive any objection to venue in such courts and any claim that such courts are an inconvenient forum.
You acknowledge that a breach of Sections 7 (Prohibited Use), 8 (Intellectual Property Rights), or any provision relating to illegal activity may cause irreparable harm to Insfers for which monetary damages would be an inadequate remedy. Accordingly, in addition to any other remedies available at law or in equity, Insfers will be entitled to seek injunctive relief to prevent or restrain such breach without the necessity of posting a bond or proving actual damages. This right to injunctive relief is in addition to, and not in lieu of, any other remedies available to Insfers.
Neither party will be liable for any failure or delay in performing its obligations under these Terms to the extent such failure or delay is caused by events beyond that party's reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, network infrastructure failures, blockchain network failures, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials. The party affected by a force majeure event must promptly notify the other party and use commercially reasonable efforts to resume performance as soon as practicable.
All notices, requests, consents, and other communications required or permitted under these Terms must be in writing and will be deemed given when delivered personally, when sent by confirmed electronic mail to support@insfers.com for notices to Insfers or to your registered email address for notices to you, one business day after being sent by reputable overnight courier service, or three business days after being sent by registered or certified mail, postage prepaid, return receipt requested.
You may not assign, transfer, delegate, or sublicense these Terms or any rights or obligations hereunder, in whole or in part, whether voluntarily or by operation of law, without the prior written consent of Insfers. Any attempted assignment in violation of this section will be null and void. Insfers may assign these Terms without your consent in connection with a merger, acquisition, corporate reorganization, sale of all or substantially all of its assets, or to an affiliate under common control. Subject to the foregoing restrictions, these Terms will be binding upon, inure to the benefit of, and be enforceable by the parties and their respective successors and permitted assigns.
The parties are independent contractors with respect to each other. Nothing in these Terms creates any partnership, joint venture, agency, franchise, employment, or fiduciary relationship between the parties. Neither party has any authority to bind the other party or to incur obligations on behalf of the other party without the other party's prior written consent.
These Terms are for the sole benefit of the parties and their respective successors and permitted assigns and do not and are not intended to confer any rights or remedies upon any other person or entity, except that Third-Party Partners with whom Insfers contracts to provide Services are express third-party beneficiaries with the right to enforce provisions that protect their interests. Nothing in these Terms creates any third-party beneficiary rights in any other individual or entity.
No waiver of any provision of these Terms will be effective unless in writing and signed by the party against whom the waiver is sought to be enforced. No failure or delay by either party in exercising any right, power, or remedy under these Terms will operate as a waiver of such right, power, or remedy. No single or partial exercise of any right, power, or remedy will preclude any other or further exercise of that or any other right, power, or remedy.
If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid, illegal, or unenforceable provision will be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving its intent to the greatest extent possible. If such modification is not possible, the invalid, illegal, or unenforceable provision will be severed from these Terms without affecting the validity or enforceability of the remaining provisions.
These Terms, together with the Privacy Policy and any other documents expressly incorporated by reference, constitute the entire agreement between the parties regarding the subject matter hereof and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding such subject matter. No terms or conditions stated in any purchase order, user-generated document, or other business form will modify or amend these Terms, and any such additional or different terms are hereby rejected and will be of no force or effect.
Insfers may amend these Terms from time to time as provided in Section 1.3. No other amendment or modification of these Terms will be effective unless in writing and signed by authorized representatives of both parties
The headings and captions used in these Terms are for convenience only and will not affect the interpretation of these Terms. The words "including," "includes," and similar terms will be deemed to be followed by "without limitation." The word "or" is not exclusive. The word "will" has the same meaning as "shall" and is equally mandatory. These Terms have been prepared in the English language, and the English language version will control in all respects.
The Services, underlying technology, and technical data may be subject to United States export control laws and regulations. You represent and warrant that you will not, directly or indirectly, export, re-export, or transfer the Services or any related technical data to any country, entity, or person prohibited under U.S. export control laws, use the Services for any purpose prohibited by such laws, or permit access to the Services by any person or entity on restricted parties lists maintained by the U.S. government. You are responsible for complying with all applicable export control laws and regulations in connection with your use of the Services.
If you are a U.S. federal, state, or local government entity or agency, the Services constitute "commercial computer software" and "commercial computer software documentation" as defined in Federal Acquisition Regulation Section 12.212 and Defense Federal Acquisition Regulation Supplement Section 227.7202. Government users acquire the Services with only those rights set forth in these Terms.
For questions, concerns, support requests, or notices regarding these Terms or the Services, please contact Insfers at support@insfers.com or visit www.insfers.com for additional contact information and resources.
BY USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU UNDERSTAND THE SELF-CUSTODIAL NATURE OF THE WALLET, THAT INSFERS DOES NOT HAVE ACCESS TO OR CONTROL OVER YOUR PRIVATE KEYS OR DIGITAL ASSETS, THAT YOU ARE SOLELY RESPONSIBLE FOR THE SECURITY OF YOUR PRIVATE KEYS AND SEED PHRASE, THAT TRANSACTIONS ON BLOCKCHAIN NETWORKS ARE IRREVERSIBLE, THAT INSFERS CANNOT RECOVER LOST OR STOLEN DIGITAL ASSETS OR RESTORE ACCESS TO YOUR WALLET IF YOU LOSE YOUR CREDENTIALS, AND THAT YOU ASSUME ALL RISKS ASSOCIATED WITH DIGITAL ASSETS AND SELF-CUSTODY.
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 YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE SERVICES.
YOU FURTHER ACKNOWLEDGE THAT THESE TERMS CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND INSFERS INC., THAT YOU HAVE HAD THE OPPORTUNITY TO REVIEW THESE TERMS WITH LEGAL COUNSEL, THAT YOU ENTER INTO THESE TERMS VOLUNTARILY AND WITH FULL KNOWLEDGE OF THE RIGHTS AND OBLIGATIONS SET FORTH HEREIN, AND THAT YOU AGREE TO THE DISPUTE RESOLUTION PROVISIONS INCLUDING THE ARBITRATION CLAUSE AND CLASS ACTION WAIVER SET FORTH IN SECTION 14.2.
YOU SPECIFICALLY ACKNOWLEDGE THAT SECTION 14.2 CONTAINS A BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS. BY ACCEPTING THESE TERMS, YOU AGREE THAT INSFERS MAY ELECT TO REQUIRE DISPUTES TO BE RESOLVED THROUGH BINDING ARBITRATION AND THAT YOU WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN CLASS ACTIONS OR CLASS ARBITRATIONS.
YOU ACKNOWLEDGE THAT DIGITAL ASSETS ARE HIGHLY RISKY, THAT YOU MAY LOSE YOUR ENTIRE INVESTMENT, THAT BLOCKCHAIN TRANSACTIONS ARE IRREVERSIBLE, AND THAT INSFERS CANNOT RECOVER LOST OR STOLEN ASSETS.
© 2025 INSFERS INC. All Rights Reserved.
Insfers is a registered trademark of Insfers Inc., a Delaware corporation.
Last Updated: 1/31/2026
For questions about these Terms, please contact support@insfers.com.
