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QVAULT

Terms of Service

Last updated: 12 August 2026

These QVAULT Self-Custodial Wallet Terms of Service the “Terms” govern your access to and use of QVAULT, a self-custodial wallet and crypto payment functionality provided by QVault S.A., a company incorporated in the Republic of Panama “Company,” “we,” “us,” or “our”.

The Company’s contact details are:

Website: https://qvaultwallet.com/
Registered address: Building Kenex Plaza, 9th floor Panama City, Panama
Legal notices: https://qvaultwallet.com/legal-disclaimer/
Support: support@qvaultwallet.com
Privacy Policy: https://qvaultwallet.com/privacy-policy/

By clicking “Accept,” creating or using a QVAULT wallet, receiving funds, adding funds through a third-party provider, initiating a transaction, sending or withdrawing funds, making or receiving a merchant payment, or otherwise using QVAULT, you acknowledge that you have read, understood, and agreed to these Terms.

If you do not agree to these Terms, do not create or use a QVAULT wallet.

1. Agreement Scope

These Terms apply to QVAULT, including the self-custodial wallet functionality, wallet interface, third-party on-ramp access, merchant payment functionality, send functionality, withdrawal functionality, and related features made available by the Company.

QVAULT allows users to create self-custodial wallets under their own names. Users do not create custodial accounts with QVAULT, and the Company does not open, maintain, or administer accounts holding user funds.

Users do not have a Company login or user profile for QVAULT. The wallet is controlled by the user through the recovery password provided to the user when the wallet is initially created.

Your use of third-party exchanges, on-ramp providers, payment providers, blockchain networks, external wallets, or other third-party services may be subject to separate terms.

If there is a conflict between these Terms and any feature-specific Company terms, the feature-specific terms will apply for that feature.

2. Definitions

For purposes of these Terms:

“Blockchain Network” means a distributed ledger, blockchain, or similar network, including Ethereum, Polygon, Bitcoin, or any other network supported by QVAULT from time to time.

“Company” means the provider of QVAULT.

“Digital Assets” means crypto assets, tokens, coins, stablecoins, or other blockchain-based assets.

“QVAULT” means the self-custodial wallet, wallet interface, third-party on-ramp access, merchant payment, send, withdrawal, and related payment functionality made available by the Company.

“Merchant” means a business, seller, service provider, or other commercial party that uses QVAULT to receive or facilitate payments.

“Recovery Password” means the password, phrase, key, credential, or equivalent recovery information provided to the user when the QVAULT wallet is initially created and which may be used to access, restore, export, or control the wallet.

“Self-Custodial Wallet” or “Wallet” means a wallet created or used by you under your own name, where you control the Recovery Password or equivalent access credential, and where the Company does not custody, hold, control, manage, administer, store, or access the associated Digital Assets.

“Supported Assets” means the Digital Assets supported by QVAULT from time to time. As of the date of these Terms, the supported assets may include BTC, ETH, USDC, and USDT, subject to availability, network compatibility, provider support, and changes by the Company.

“Supported Networks” means the Blockchain Networks supported by QVAULT from time to time. As of the date of these Terms, the supported networks may include Ethereum, Polygon, and Bitcoin, subject to availability, provider support, and changes by the Company.

“Third-Party Provider” means any third-party exchange, on-ramp provider, payment provider, KYC provider, fraud prevention provider, blockchain analytics provider, infrastructure provider, wallet provider, bank, card processor, or other third party involved in or accessible through QVAULT.

“Transaction” means any blockchain transaction, merchant payment, send, withdrawal, on-ramp transaction, or other Digital Asset-related instruction submitted through or in connection with QVAULT.

3. Incorporated Policies

These Terms incorporate by reference the Company’s Privacy Policy, available at:

Privacy Policy

By using QVAULT, you agree to the Company’s Privacy Policy as applicable.

Third-Party Providers may have their own terms, privacy policies, risk disclosures, fees, eligibility requirements, and compliance requirements. You are responsible for reviewing and complying with any applicable Third-Party Provider terms.

4. QVAULT Wallet

QVAULT enables users and Merchants to create and use Self-Custodial Wallets under their own names and to access crypto payment functionality, including third-party on-ramp access, merchant payments, receiving funds, sending funds, and withdrawals of supported Digital Assets.

A QVAULT Wallet is self-custodial. This means that you, and not the Company, control access to the Digital Assets associated with your Wallet through your Recovery Password.

The Company does not hold, custody, control, transfer, safeguard, administer, store, manage, or access your Digital Assets, Recovery Password, private keys, or wallet credentials. The Company does not have access to user funds. The Company cannot access your Recovery Password, restore your Wallet, reverse transactions, or move assets on your behalf.

5. Software and Interface Only

QVAULT provides software, interface, and related functionality that may allow you to create or access a Self-Custodial Wallet, view balances, receive funds, initiate Transactions, make or receive merchant payments, send or withdraw funds, and access Third-Party Providers.

QVAULT is not a bank account, deposit account, stored value account, brokerage account, investment account, custodial wallet, exchange account, or fiat payment account.

Digital Assets held through your Self-Custodial Wallet are not deposits and are not insured by any government deposit insurance scheme.

The Company does not act as your trustee, fiduciary, broker, dealer, investment adviser, financial adviser, custodian, escrow agent, exchange, clearing agent, settlement agent, or agent in connection with QVAULT.

The Company does not take title to, or any ownership interest in, Digital Assets controlled through your Self-Custodial Wallet.

6. No Custody, Trading, Brokerage, Clearing, or Settlement by the Company

The Company does not itself buy, sell, exchange, broker, clear, settle, issue, redeem, lend, borrow, stake, or trade Digital Assets.

Where on-ramp functionality or other third-party exchange functionality is made available through QVAULT, such services are provided by Third-Party Providers. Third-Party Providers are subject to change at any time.

The Company’s role is limited to providing a software interface, referral, integration, technical connection, or access point to such Third-Party Providers unless expressly stated otherwise.

You acknowledge that any instruction to buy, acquire, convert, or otherwise obtain Digital Assets through an on-ramp or exchange service is submitted to the applicable Third-Party Provider and not executed by the Company.

7. Third-Party Provider Services

QVAULT may allow you to access, interact with, or be redirected to Third-Party Providers, including exchanges and on-ramp providers.

When you use a Third-Party Provider, you may enter into a direct relationship with that provider. Your use of that provider’s services may be governed by separate terms, privacy policies, fees, eligibility requirements, limits, compliance checks, and legal obligations.

Third-Party Providers may require identity verification, sanctions screening, fraud checks, source-of-funds checks, wallet screening, transaction monitoring, or other compliance reviews.

Third-Party Providers may approve, reject, delay, suspend, reverse, restrict, or report transactions according to their own terms, policies, and legal obligations.

The Company is not responsible for any Third-Party Provider’s approval, rejection, pricing, execution, settlement, delay, refund, reversal, identity check, compliance decision, fees, acts, omissions, availability, or failure.

8. On-Ramp Functionality

QVAULT may allow you to on-ramp into your Self-Custodial Wallet through Third-Party Providers.

The Company does not itself provide fiat-to-crypto exchange services. The Company does not receive, hold, custody, or control fiat funds or Digital Assets in connection with third-party on-ramp services unless expressly stated otherwise.

The availability of on-ramp functionality may depend on your jurisdiction, identity verification, provider availability, payment method, asset support, network support, sanctions restrictions, transaction limits, fraud controls, and other factors.

The Company does not guarantee that any on-ramp transaction will be approved, completed, settled, or made available.

Third-Party Providers used for on-ramping may change at any time. The Company does not guarantee continued availability of any specific provider.

9. Merchant Settlements

QVAULT may support merchant settlement functionality that allows users to make settlements to Merchants and allows Merchants to receive payments using supported Digital Assets.

Blockchain-based merchant settlements may be final and irreversible once submitted or confirmed. The Company cannot cancel, reverse, modify, retrieve, or refund merchant settlements after they have been submitted to a Blockchain Network or Third-Party Provider.

Merchants are solely responsible for:

  1. The goods and services they offer.
  2. Pricing, invoices, receipts, refunds, returns, and customer support.
  3. Consumer disclosures and customer disputes.
  4. Taxes, duties, accounting, and reporting.
  5. Compliance with laws applicable to their business.
  6. Determining whether and how to refund customers.
  7. Ensuring that they can receive and manage supported Digital Assets.

The Company is not responsible for the quality, legality, delivery, refundability, or performance of any goods or services offered by Merchants.

Unless expressly agreed in writing, these Terms do not grant any right to commercially resell, sublicense, white-label, integrate, or provide access to QVAULT as a separate service.

Merchant-specific terms may apply to Merchant use of QVAULT.

10. Send and Withdrawal Functionality

QVAULT may allow you to send or withdraw supported Digital Assets from your Self-Custodial Wallet to another wallet address.

You are solely responsible for verifying all transaction details before submitting a send or withdrawal instruction, including:

  1. Recipient address.
  2. Blockchain Network.
  3. Asset type.
  4. Amount.
  5. Network fees.
  6. Compatibility of the recipient wallet or service.
  7. Whether the receiving wallet or service supports the asset and network.

Sending Digital Assets to an incorrect address, unsupported network, incompatible wallet, or unsupported service may result in permanent loss.

The Company cannot cancel, reverse, modify, retrieve, or refund send or withdrawal transactions once they are submitted to a Blockchain Network or Third-Party Provider.

11. Supported Assets and Networks

As of the date of these Terms, QVAULT may support the following Blockchain Networks:

  1. Ethereum.
  2. Polygon.
  3. Bitcoin.

As of the date of these Terms, QVAULT may support the following Digital Assets:

  1. BTC.
  2. ETH.
  3. USDC.
  4. USDT.

Supported Assets and Supported Networks may change from time to time. The Company may add, remove, suspend, or restrict support for any asset or network at any time, subject to applicable law.

You must not send unsupported assets or use unsupported networks unless the Company expressly confirms support. Sending unsupported assets or using the wrong network may result in permanent loss.

The Company has no obligation to recover unsupported assets, reverse mistaken transfers, provide access to unsupported networks, or support unsupported tokens.

12. Stablecoin Risks

USDC, USDT, and other stablecoins may involve additional risks.

Stablecoins may lose their peg, may not be redeemable at par, may be subject to issuer restrictions, and may be frozen, blacklisted, paused, burned, upgraded, or otherwise affected by the stablecoin issuer, smart contract administrator, applicable law, or third-party infrastructure.

The Company does not issue USDC, USDT, or any other stablecoin. The Company does not guarantee the value, redeemability, liquidity, backing, reserves, stability, or legal status of any stablecoin.

The Company does not guarantee that any stablecoin can be redeemed, exchanged, sold, withdrawn, or converted into fiat currency.

13. Recovery Password and Wallet Access

When you create a QVAULT Wallet, you will be provided with a Recovery Password.

You are solely responsible for storing and protecting your Recovery Password. The Company does not store your Recovery Password and does not have access to any recovery key, private key, wallet credential, or other information that would allow the Company to access, restore, or control your Wallet.

The Company cannot restore your Wallet if your Recovery Password is lost, deleted, stolen, forgotten, damaged, compromised, or otherwise unavailable.

Loss of your Recovery Password may result in permanent loss of access to your QVAULT Wallet and any Digital Assets associated with it.

14. Recovery Password Confidentiality

You must keep your Recovery Password confidential and secure.

Anyone who obtains your Recovery Password may be able to access your Wallet and transfer your funds without your consent. Such transactions may be irreversible.

The Company will never ask you to disclose your Recovery Password. You should not share your Recovery Password with the Company, any Company representative, any third party, any website, any application, or any person claiming to provide support.

You are responsible for protecting your devices, email accounts, browsers, applications, cloud backups, authentication methods, and any other systems that may affect access to your QVAULT Wallet.

15. Wallet Export

Users may be able to export their QVAULT Wallet for use with compatible external wallets or third-party wallet software.

Exporting your Wallet or using your Recovery Password with an external wallet may expose your Wallet and Digital Assets to additional risks, including malware, phishing, wallet bugs, unsupported network behavior, malicious software, incorrect transaction signing, or credential compromise.

The Company is not responsible for external wallet security, compatibility, availability, functionality, transaction behavior, or losses resulting from your export or use of an external wallet.

16. Wallet and Interface Security

You are responsible for all activity involving your QVAULT Wallet and all instructions submitted through QVAULT.

You must keep your devices, email account, authentication methods, passkeys, passwords, and Recovery Password secure and up to date.

You must notify the Company immediately at support@qvaultwallet.com if you suspect unauthorized access, loss of your device, compromise of your email, compromise of your Recovery Password, or any other security incident.

Company support cannot access your Recovery Password, recover your Wallet, reverse blockchain transactions, or move Digital Assets on your behalf.

17. User Responsibility

You are solely responsible for:

  1. Securing your Recovery Password and devices.
  2. Verifying transaction details before submitting any Transaction.
  3. Confirming recipient addresses, Blockchain Networks, amounts, assets, and fees.
  4. Ensuring that you use Supported Assets and Supported Networks.
  5. Maintaining secure backups of your Recovery Password.
  6. Protecting yourself against phishing, malware, scams, impersonation, social engineering, and unauthorized access.
  7. Understanding the risks of Digital Assets and blockchain transactions.
  8. Complying with all applicable laws, rules, sanctions, tax obligations, and reporting requirements.
  9. Reviewing and complying with Third-Party Provider terms.

The Company is not responsible for losses caused by your failure to secure your Recovery Password, your use of an incorrect address or network, your interaction with a malicious third party, or your use of unsupported assets, networks, wallets, applications, or providers.

18. Blockchain Transactions

Blockchain transactions may be irreversible once submitted. The Company cannot cancel, reverse, modify, retrieve, or refund transactions after they have been submitted to a Blockchain Network, Third-Party Provider, wallet provider, or other third-party system.

Transaction confirmation times may vary. Transactions may be delayed, rejected, fail, remain pending, or become unavailable due to blockchain congestion, network fees, validator behavior, protocol rules, provider issues, technical failures, regulatory restrictions, or other factors outside the Company’s control.

You are solely responsible for reviewing and confirming all transaction information before submitting a Transaction.

19. Blockchain Privacy

Blockchain transactions are generally public or semi-public and may be permanently recorded.

Wallet addresses, transaction amounts, timestamps, asset types, network activity, and other blockchain data may be visible to others and may be analyzed or linked to your identity or activity.

The Company cannot delete, modify, hide, or erase public blockchain records.

20. Smart Contract, Protocol, and Network Risks

Digital Assets, smart contracts, and Blockchain Networks may contain bugs, vulnerabilities, admin keys, upgrade mechanisms, governance risks, oracle failures, consensus failures, bridge risks, economic design flaws, or other technical or operational risks.

Blockchain Networks may experience congestion, forks, chain splits, attacks, downtime, validator failures, protocol changes, or other disruptions.

The Company is not responsible for losses caused by smart contract risks, protocol risks, network risks, forks, chain splits, governance decisions, or third-party infrastructure failures.

The Company has no obligation to support any fork, airdrop, staking reward, token migration, chain split, governance right, derivative asset, or similar benefit unless the Company expressly states otherwise.

21. Fees and Charges

The Company does not charge users a separate fee for creating or using a QVAULT Self-Custodial Wallet.

Third-Party Providers and Blockchain Networks may charge fees, including network fees, gas fees, protocol fees, payment-provider fees, card fees, bank fees, conversion fees, spread, exchange fees, withdrawal fees, and other charges.

Fee estimates displayed in QVAULT may differ from the final amount charged or deducted. You are responsible for reviewing applicable fees before submitting a Transaction.

22. Wallet Scope and Limitations

QVAULT is designed primarily to enable self-custodial wallet functionality, third-party on-ramp access, merchant payments, receiving funds, sending funds, and withdrawals.

QVAULT is not intended to be a full-featured wallet, exchange, brokerage, investment, savings, custody, or banking service.

Although you may retain Digital Assets in your QVAULT Wallet, you acknowledge that QVAULT may offer limited functionality compared with standalone external wallets.

If you wish to access advanced wallet functions, interact with third-party applications, use unsupported assets or networks, or convert Digital Assets back to fiat currency, you may need to use a compatible external wallet or Third-Party Provider using your Recovery Password.

The Company does not guarantee that any external wallet, exchange, payment provider, Blockchain Network, or third-party service will support your Wallet, asset, network, or Transaction.

23. No Financial, Investment, Legal, Tax, or Accounting Advice

QVAULT does not provide financial, investment, legal, tax, accounting, trading, or other professional advice.

Any information shown through QVAULT is provided for general informational and functional purposes only.

Digital Assets are volatile and may lose value. Any purchase, sale, swap, conversion, redemption, transfer, or use of Digital Assets involves risk, including market volatility, liquidity limitations, slippage, provider delays, failed execution, and total loss.

You are solely responsible for your own decisions, Transactions, tax reporting, and compliance obligations.

24. Price and Balance Information

Any price, exchange rate, balance, fee estimate, or fiat equivalent shown in QVAULT is provided for convenience only and may be delayed, inaccurate, incomplete, or unavailable.

The Company does not guarantee the accuracy, completeness, timeliness, or availability of price data, balance data, exchange rates, or fee estimates.

25. Compliance and Lawful Use

You agree to use QVAULT only for lawful purposes and in compliance with all applicable laws, rules, regulations, sanctions, export controls, tax obligations, and Company policies.

You must not use QVAULT to engage in, facilitate, or support:

  1. Fraud, scams, money laundering, terrorist financing, sanctions evasion, or other illegal activity.
  2. Transactions involving stolen funds, ransomware, darknet markets, prohibited goods or services, or illicit proceeds.
  3. Unauthorized access, hacking, phishing, malware, or abuse of Company systems.
  4. Any activity that violates applicable law, third-party terms, or Company policies.
  5. Any activity that may expose the Company, users, Merchants, providers, or third parties to legal, regulatory, security, financial, or reputational risk.

The Company may restrict, suspend, block, or decline access to certain features where required by law, provider policy, risk controls, technical limitations, or compliance obligations.

Because QVAULT is self-custodial, the Company may not be able to block, reverse, or control blockchain-level activity involving assets you control.

26. Prohibited Countries and Sanctions

You may not use QVAULT if you are located in, organized in, ordinarily resident in, or acting on behalf of a person or entity located in a country or territory subject to FATF sanctions or similar high-risk restrictions, as determined by the Company from time to time.

You may not use QVAULT if you are subject to applicable sanctions, restricted-party lists, or legal restrictions that prohibit your use of QVAULT.

The Company may restrict, suspend, or decline access to QVAULT or Third-Party Provider functionality where required by law, sanctions requirements, provider policy, or compliance controls.

27. Eligibility

By using QVAULT, you represent and warrant that:

  1. You are at least 18 years old.
  2. You are legally capable of entering into these Terms.
  3. You are not prohibited from using QVAULT under applicable law.
  4. You are not located in, organized in, or ordinarily resident in a jurisdiction where use of QVAULT is prohibited.
  5. You are not subject to sanctions or restrictions that would prohibit your use of QVAULT.
  6. You will provide accurate, complete, and current information where required by the Company or Third-Party Providers.

The Company may restrict availability of QVAULT in certain jurisdictions or for certain users.

28. User Warranties

You represent and warrant that:

  1. You will use QVAULT only for lawful purposes.
  2. You will comply with these Terms and all applicable laws.
  3. You will provide accurate and current information where required.
  4. You will not misrepresent your identity, location, authority, or eligibility.
  5. You will not use QVAULT on behalf of another person unless authorized and permitted by applicable law.
  6. You will not exploit vulnerabilities, bugs, errors, or unintended functionality.
  7. You will not use bots, scrapers, crawlers, or automated systems without the Company’s written permission.
  8. You will not interfere with, overload, disrupt, or damage Company systems.
  9. You will not attempt to bypass security, access controls, rate limits, provider restrictions, or compliance controls.
  10. You will notify the Company promptly of any suspected security breach or unauthorized access.

29. Prohibited Conduct and Events of Default

You must not:

  1. Breach these Terms.
  2. Violate applicable law or sanctions requirements.
  3. Use QVAULT for fraud, money laundering, terrorist financing, sanctions evasion, or illicit activity.
  4. Provide false, misleading, incomplete, or outdated information.
  5. Tamper with, reverse engineer, scrape, copy, modify, frame, mirror, or interfere with QVAULT.
  6. Use automated tools or bots without authorization.
  7. Impersonate another person or entity.
  8. Transfer, sell, assign, sublicense, or provide unauthorized access to QVAULT.
  9. Attempt to access another user’s wallet, data, or credentials.
  10. Introduce malware, harmful code, or security threats.
  11. Abuse support channels or submit false claims.
  12. Use QVAULT in a way that creates risk for the Company, users, Merchants, Third-Party Providers, or any third party.
  13. Fail to comply with reasonable information, verification, security, or compliance requests.

Any of the above may constitute an event of default.

30. Suspension, Restriction, and Termination of QVAULT Access

The Company may suspend, restrict, or terminate your access to QVAULT features, interface, integrations, or related services if the Company believes that:

  1. You violated these Terms.
  2. Your activity may violate law or provider requirements.
  3. Your activity presents security, fraud, compliance, legal, regulatory, financial, operational, or reputational risk.
  4. The Company is required or requested to do so by law, regulation, court order, government authority, provider policy, or risk controls.
  5. Continued access may harm the Company, users, Merchants, providers, or third parties.

Where reasonably practicable and legally permitted, the Company may notify you of a suspension or restriction and, where possible, its expected duration or the steps required to resolve it.

The Company may act without prior notice where required by law, provider policy, security risk, suspected fraud, suspected illegal activity, or risk to the Company, users, Merchants, providers, or third parties.

Because QVAULT is self-custodial, the Company cannot close, delete, freeze, seize, reverse, transfer, or control Digital Assets held in your Wallet on-chain.

31. Effect of Suspension, Closure, or Access Restriction

Suspension, restriction, or termination of access to QVAULT may affect your ability to use the QVAULT interface, integrations, or related features.

Suspension, restriction, or termination of access does not transfer ownership of your Digital Assets to the Company.

Because QVAULT is self-custodial, access to Digital Assets outside the QVAULT interface may require your Recovery Password and a compatible external wallet.

Suspension, restriction, or termination of access to QVAULT will not delete public blockchain records.

Pending Transactions or Third-Party Provider actions may remain subject to the relevant Blockchain Network or Third-Party Provider.

The Company may retain certain information where required by law, compliance obligations, security needs, dispute resolution, fraud prevention, or legitimate business purposes, subject to the Company’s Privacy Policy.

32. Deceased or Incapacitated Users

If a user dies or becomes incapacitated, the Company may request documentation such as a death certificate, probate document, court order, power of attorney, or other evidence of authority before taking action with respect to any information, access, or support request.

Because QVAULT is self-custodial, the Company cannot recover, access, transfer, or control Digital Assets without the applicable Recovery Password.

Users are responsible for making their own estate planning arrangements for their Recovery Password and Digital Assets.

33. Availability and Changes

The Company may modify, suspend, restrict, or discontinue QVAULT or any feature at any time, subject to applicable law.

QVAULT availability may depend on third-party software, hardware, cloud services, wallets, APIs, payment providers, exchanges, Blockchain Networks, internet connectivity, device operating systems, communications networks, and other infrastructure.

The Company does not guarantee that QVAULT will be available, uninterrupted, secure, error-free, compatible with all devices, or compatible with all Blockchain Networks, assets, wallets, or providers.

34. Support

The Company may provide support through support@qvaultwallet.com.

The Company does not guarantee any specific support response time unless separately agreed in writing.

Company support cannot access your Recovery Password, recover your Wallet, reverse blockchain transactions, retrieve unsupported assets, or move Digital Assets on your behalf.

The Company may require verification or additional information before providing support.

35. Communications and Notices

You agree that the Company may send you service, security, legal, transactional, and administrative communications electronically, including by email, website posting, or other electronic means.

The Company may send legal notices to an email address you provide or by posting notices through the Company website or QVAULT interface.

Notices to you are deemed received when sent or posted, unless applicable law requires otherwise.

Legal notices to the Company must be sent to support@qvaultwallet.com.

Support requests must be sent to support@qvaultwallet.com.

Marketing communications may be subject to separate consent and unsubscribe rights where required by applicable law.

36. Privacy

The Company’s collection, use, and sharing of personal information in connection with QVAULT is described in the Company’s Privacy Policy:

Privacy Policy

Third-Party Providers may collect and process your information according to their own privacy policies.

37. Taxes

You are solely responsible for determining whether taxes, duties, levies, reporting obligations, withholding obligations, or similar obligations apply to your use of QVAULT or any Digital Asset Transaction.

You are solely responsible for calculating, collecting, reporting, withholding, and remitting any applicable taxes where required.

The Company does not provide tax advice and is not responsible for determining, calculating, collecting, reporting, withholding, or remitting taxes unless required by applicable law.

38. Intellectual Property

The Company and its licensors own all rights, title, and interest in and to QVAULT, including software, interfaces, designs, trademarks, logos, content, technology, documentation, APIs, workflows, and related intellectual property.

These Terms do not transfer any ownership rights to you.

Subject to your compliance with these Terms, the Company grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use QVAULT for its intended purpose.

You may not copy, modify, reverse engineer, decompile, disassemble, distribute, sell, lease, sublicense, or create derivative works from QVAULT except as permitted by applicable law.

39. Feedback

If you provide feedback, suggestions, ideas, bug reports, or recommendations to the Company, you grant the Company a worldwide, perpetual, irrevocable, royalty-free, transferable, sublicensable right to use, copy, modify, distribute, commercialize, and otherwise exploit such feedback without restriction or compensation.

40. Export Controls and Sanctions

You may not use, export, re-export, transfer, or make available QVAULT except as permitted by applicable export-control and sanctions laws.

You represent that you are not subject to sanctions and are not located in a jurisdiction where use of QVAULT is prohibited by applicable law or Company policy.

41. Disclaimers

To the maximum extent permitted by law, QVAULT is provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, statutory, or otherwise.

The Company disclaims all warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability, accuracy, reliability, security, and compatibility.

The Company does not warrant that:

  1. QVAULT will meet your requirements.
  2. QVAULT will be uninterrupted, timely, secure, or error-free.
  3. Any Transaction will be confirmed, completed, reversed, or successful.
  4. Any asset, network, provider, wallet, or third-party service will remain available or supported.
  5. Any displayed balance, price, fee, or transaction estimate will be accurate at all times.
  6. Any Digital Asset can be sold, converted, withdrawn, redeemed, or exchanged for fiat currency.

42. Limitation of Liability

To the maximum extent permitted by law, the Company and its affiliates, officers, directors, employees, contractors, agents, partners, and service providers will not be liable for any indirect, incidental, special, consequential, exemplary, punitive, or similar damages, or for any loss of profits, revenues, business opportunities, goodwill, data, Digital Assets, Recovery Password, wallet access, or expected savings.

To the maximum extent permitted by law, the Company is not responsible for losses arising from:

  1. Lost, stolen, disclosed, deleted, compromised, or unavailable Recovery Passwords.
  2. Unauthorized access to your Wallet, device, email, browser, application, or authentication method.
  3. User error, including incorrect addresses, incorrect networks, unsupported assets, or mistaken Transactions.
  4. Blockchain Network delays, congestion, failures, forks, bugs, attacks, or protocol changes.
  5. Third-Party Provider failures, fees, restrictions, compliance reviews, delays, or errors.
  6. Malware, phishing, impersonation, scams, or social engineering.
  7. Market volatility, price changes, liquidity issues, stablecoin depegging, issuer actions, or asset devaluation.
  8. Use of unsupported wallets, networks, assets, applications, or third-party services.
  9. Events outside the Company’s reasonable control.

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law.

43. Indemnity

You agree to indemnify and hold harmless the Company and its affiliates, officers, directors, employees, contractors, agents, partners, and service providers from and against any claims, damages, losses, liabilities, penalties, costs, and expenses arising out of or related to:

  1. Your use or misuse of QVAULT.
  2. Your violation of these Terms.
  3. Your violation of applicable law or third-party rights.
  4. Your Transactions or Digital Asset activity.
  5. Your failure to secure your Recovery Password or devices.
  6. Your use of Third-Party Providers.
  7. Any merchant goods, services, refund, customer dispute, tax, or compliance issue, where you use QVAULT as a Merchant.

44. Force Majeure

The Company is not responsible for any delay, failure, loss, or damage caused by events outside its reasonable control, including Blockchain Network failures, internet outages, cyberattacks, labor disputes, provider failures, government actions, war, terrorism, sanctions, regulatory changes, natural disasters, power failures, or infrastructure failures.

45. Governing Law

These Terms are governed by the laws of the Republic of Panama, without regard to conflict-of-law principles.

46. Dispute Resolution

Before starting a formal claim, you agree to contact the Company at support@qvaultwallet.com and attempt to resolve the dispute informally.

The parties will attempt in good faith to resolve any dispute for at least 30 days after written notice is received, unless urgent injunctive relief is required or applicable law provides otherwise.

Nothing in these Terms prevents either party from seeking urgent injunctive or equitable relief where appropriate.

47. Assignment

You may not assign or transfer these Terms or your rights or obligations under them without the Company’s prior written consent.

The Company may assign or transfer these Terms in connection with an affiliate transfer, merger, acquisition, restructuring, financing, sale of assets, or by operation of law.

48. Entire Agreement

These Terms, together with the Company’s Privacy Policy and any feature-specific terms, provider disclosures, or risk disclosures, constitute the entire agreement between you and the Company regarding QVAULT.

If there is a conflict between documents, the following order will apply unless stated otherwise:

  1. Feature-specific Company terms.
  2. These Terms.
  3. Company Privacy Policy.
  4. Other posted rules or disclosures.

49. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions will remain in full force and effect.

50. No Waiver

The Company’s failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

51. Language

These Terms may be translated into other languages. Unless applicable law requires otherwise, the English version controls if there is any conflict or inconsistency between versions.

52. Changes to These Terms

The Company may update these Terms from time to time.

Updated Terms will be effective when made available or as otherwise stated. Your continued use of QVAULT after the effective date of updated Terms constitutes acceptance of the updated Terms.

If required by applicable law, the Company will provide additional notice or obtain additional consent.

53. Acceptance

By clicking “Accept,” creating a QVAULT Wallet, receiving funds, adding funds through a Third-Party Provider, initiating a Transaction, making or receiving a merchant payment, sending funds, withdrawing funds, or using QVAULT, you confirm that you understand and agree that:

  1. QVAULT is a self-custodial wallet.
  2. Users create self-custodial wallets under their own names.
  3. The Company does not custody, hold, control, manage, administer, store, or access your funds.
  4. The Company does not store your Recovery Password or recovery key.
  5. You are solely responsible for your Recovery Password.
  6. The Company cannot recover your Wallet if your Recovery Password is lost.
  7. Anyone with your Recovery Password may be able to access and transfer your funds.
  8. Blockchain transactions may be irreversible.
  9. The Company does not buy, sell, exchange, broker, clear, settle, or custody Digital Assets.
  10. On-ramp services are provided by Third-Party Providers under their own terms and may change at any time.
  11. QVAULT supports merchant payments and third-party on-ramp access, but the Company is not responsible for Third-Party Provider services or Merchant goods and services.
  12. Your use of QVAULT is subject to these Terms.