Terms of Use

1. Eligibility and permitted use

You may use the Wallet only from a country or territory in which we make it available (a Supported Country), and only where your use is lawful. Availability in a location is not a statement that every Wallet feature or transaction is lawful for you.

You must not use the Wallet if you are subject to applicable sanctions, owned or controlled by, or acting for, a sanctioned person, or located or ordinarily resident in a comprehensively sanctioned territory. You must not evade geographic or other access restrictions, including through a VPN or similar method.

You must provide accurate information and must not use the Wallet to break the law or third-party rights; commit fraud, theft, money laundering or sanctions evasion; introduce malware or disrupt a service; obtain unauthorised access; mislead others about an identity, authority or transaction; or help anyone do any of these things.

2. The Wallet is non-custodial

The Wallet is software that lets you create and use a blockchain wallet, connect applications, and prepare, approve, sign and submit transaction requests. It uses third-party infrastructure to provide some of these functions.

SFFL does not hold a copy of your private key or take custody of your digital assets. It cannot use or freeze those assets, reverse or cancel a completed blockchain transaction, recover assets sent to the wrong address, or guarantee recovery of access. You are responsible for protecting your devices, email and social accounts, passkeys, authentication credentials and any available backup or recovery method. If they are lost or compromised, you may permanently lose access to the Wallet or its assets.

3. Agents, approvals and policies

An agent or other automated tool uses the Wallet only under authority you give it and does not own the Wallet. You are responsible for choosing it, limiting and monitoring its access, and revoking access when appropriate.

An agent proposal may require your fresh approval or be permitted by a pre-set, machine-readable policy. Prompts, natural-language instructions and safety assessments are not technical controls. We may treat a request made through valid credentials, approvals or policies as authorised by you, and you are responsible for resulting actions unless mandatory law provides otherwise.

4. Transactions and third-party services

You choose the assets, amounts, addresses, applications, protocols and transactions you use. SFFL is not a custodian, exchange, broker, investment adviser, fiduciary or payment service provider, and is not your agent or a party to your transactions.

Connected networks, smart contracts, tokens, applications, identity services and agents are operated by third parties under any terms and privacy notices they present. We do not control or guarantee them or any transaction result, estimate, display, safety assessment or identity result. Transactions may be irreversible, delayed or unsuccessful. You are responsible for checking transaction details, third-party terms, network fees and taxes.

5. Availability and access restrictions

We may change, suspend, restrict or discontinue any part of the Wallet, including for security, suspected misuse, legal requirements, geographic eligibility or a third-party service change. Restricting the Wallet interface does not give SFFL custody or control of your on-chain assets; access through another interface depends on your credentials, infrastructure and network.

6. No advice; disclaimers

The Wallet provides software and information, not financial, investment, legal or tax advice. Do not treat an agent response, simulation, label, safety assessment or other output as a guarantee.

To the fullest extent permitted by law, the Wallet is provided 'as is' and 'as available', without implied warranties. We do not promise that it or any transaction, asset, third-party service or output will be uninterrupted, secure, accurate, available, safe or suitable for you.

7. Liability

To the fullest extent permitted by law, SFFL will not be liable for indirect or consequential loss, or loss of profit, revenue, opportunity, goodwill, data or digital assets, arising from your credentials, agents, policies, transactions, networks or third-party services.

To the fullest extent permitted by law, SFFL's total liability arising from the Wallet or these Terms will not exceed the amount you paid directly to SFFL for the Wallet during the 12 months before the event giving rise to liability.

Nothing in these Terms excludes or limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded or limited. These Terms do not affect mandatory rights under applicable law.

8. Intellectual property and privacy

SFFL and its licensors own the Wallet software, content and branding. We give you a limited, revocable, non-transferable right to use it under these Terms. You must not copy, modify, reverse engineer, resell or interfere with it except where law does not allow that restriction.

SFFL's Privacy Notice, made available with the Wallet, explains the limited information SFFL processes in operating the Wallet. Public blockchains independently record wallet addresses and transaction data; that information is publicly available and is not controlled by SFFL. Third-party services process information under their own privacy notices.

9. Changes, ending use and law

We may update these Terms by posting a revised version and will give any notice or seek further acceptance required by law. If you do not agree, stop using the Wallet.

You may end these Terms by ceasing to use the Wallet. We may end or restrict access under section 5. Ending them does not reverse transactions or affect provisions that by their nature continue to apply.

These Terms and any non-contractual obligations arising from them are governed by the laws of England and Wales. The courts of England and Wales have non-exclusive jurisdiction, subject to any mandatory right to bring proceedings elsewhere.

These Terms are the entire agreement between you and SFFL concerning the Wallet. If a provision is unenforceable, the remaining provisions continue to apply. No person other than you and SFFL may enforce these Terms.