Terms of Service

Welcome to Crypto.com Onchain. These Terms of Service (these "Terms") constitute a legally binding agreement between you ("User", "you", or "your") and Onchain Wallet Limited, a company incorporated under the laws of the Cayman Islands, its affiliates, and its subsidiaries (collectively, "Crypto.com Onchain", "we", "us", or "our"). These Terms govern your access to and use of the Crypto.com Onchain mobile application, web application, self-custodial software wallet, physical card request portals, bank transfer tools, decentralized protocol integrations, and any other related services, products, or platforms offered by us (collectively, the "Services").

PLEASE READ THESE TERMS CAREFULLY. BY DOWNLOADING, ACCESSING, OR USING THE SERVICES, YOU AGREE THAT YOU HAVE READ, UNDERSTOOD, AND ARE BOUND BY THESE TERMS AND OUR PRIVACY POLICY. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST IMMEDIATELY CEASE ALL ACCESS TO AND USE OF THE SERVICES.

BINDING ARBITRATION AND CLASS ACTION WAIVER NOTICE: THESE TERMS CONTAIN A MANDATORY ARBITRATION AGREEMENT AND A CLASS ACTION WAIVER. BY AGREEING TO THESE TERMS, YOU EXPRESSLY WAIVE YOUR RIGHT TO RESOLVE DISPUTES IN A COURT OF LAW, BEFORE A JUDGE OR JURY, AND WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE PROCEEDING, EXCEPT WHERE PROHIBITED BY APPLICABLE LAW.

1. Nature of Self-Custodial Services and Assumption of Risk

1.1. Self-Custodial Wallet. The Services include a self-custodial software wallet (the "Wallet") that allows you to manage digital assets. As a self-custodial Wallet provider, we provide the software interface, but you retain full and exclusive control over your digital assets, your private keys, your wallet passcode, and your recovery phrase (collectively, your "Credentials").

1.2. No Custody or Access. We do not custody, store, transmit, process, or hold your digital assets. We do not have access to your private keys or recovery phrase. We cannot recover your Credentials if you lose them. IF YOU LOSE YOUR RECOVERY PHRASE OR PASSCODE, YOU WILL PERMANENTLY LOSE ACCESS TO YOUR DIGITAL ASSETS. You bear sole responsibility for securely storing and backing up your Credentials offline.

1.3. Assumption of Risk. You acknowledge and agree that holding, trading, or interacting with digital assets and blockchain protocols involves extreme financial and technical risks. These risks include, but are not limited to, extreme price volatility, liquidity risks, cybersecurity threats, hacking, smart contract vulnerabilities, irreversible transactions, hard forks, regulatory changes, and the complete loss of your funds. You assume all risks associated with your use of the Services and digital assets.

2. Eligibility and Regulatory Restrictions

2.1. Minimum Age and Capacity. To use the Services, you represent and warrant that you are at least 18 years of age (or the age of majority in your jurisdiction) and possess the legal capacity to enter into a binding contract.

2.2. Restricted Jurisdictions. You may not use the Services if you are located in, established in, or a citizen or resident of any jurisdiction where the use of the Services or digital assets is illegal or heavily restricted. You explicitly represent and warrant that you are not a citizen, resident, or located in any country or geographic region subject to comprehensive sanctions or embargoes by the United States Office of Foreign Assets Control (OFAC), the United Kingdom Office of Financial Sanctions Implementation (OFSI), the European Union, the United Nations, or the Cayman Islands. This includes, without limitation, Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, Luhansk, Zaporizhzhia, and Kherson regions of Ukraine.

2.3. Sanctioned Persons. You represent and warrant that you are not identified on any restricted, denied, or prohibited parties list maintained by international regulatory bodies, including but not limited to the OFAC Specially Designated Nationals and Blocked Persons List (SDN List), the US Department of Commerce Denied Persons List, or the UK Consolidated Financial Sanctions List.

2.4. Compliance with Laws. You are solely responsible for ensuring that your use of the Services complies with all applicable local, national, and international laws, regulations, and financial requirements, including Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and tax laws.

3. Disclaimers: No Financial, Legal, or Investment Advice

3.1. General Information Only. All market data, pricing feeds, transaction simulation logs, educational content, third-party indicators, and other information provided through the Services are for general informational purposes only. Nothing contained within the Services constitutes investment, financial, legal, tax, or regulatory advice.

3.2. No Endorsement or Fiduciary Duty. We do not make any recommendations or endorsements regarding the suitability, value, or safety of buying, selling, swapping, staking, or holding any specific digital asset or interacting with any specific protocol. You are solely responsible for conducting your own independent due diligence. We do not maintain any broker, custodian, advisory, or fiduciary relationship with you.

4. Blockchain Transactions, Gas Fees, and Protocol Changes

4.1. Direct Blockchain Execution. All cryptographic transactions initiated through the Wallet are broadcasted to and processed directly on their respective decentralized blockchain networks. We do not control, modify, intercept, or have the ability to reverse or cancel blockchain transactions once broadcasted.

4.2. Network Fees (Gas). You acknowledge that executing transactions on a blockchain requires the payment of network fees ("Gas Fees") to third-party validators or miners. Gas Fees are dynamic, determined by network traffic, and are completely outside our control. We are not liable for any transaction latency, failure, dropped transactions, or high Gas Fees resulting from network congestion.

4.3. Forks and Airdrops. Blockchain networks may undergo protocol upgrades or "Forks," which can result in the creation of a new, competing blockchain. We do not own or control the underlying software protocols of any blockchain. We make no guarantees regarding the Wallet's support for any specific Fork or any unsolicited digital asset distributions ("Airdrops").

5. Physical and Virtual Card Program

5.1. Third-Party Issuers. The Services may feature a portal allowing you to request and activate physical or virtual debit or prepaid cards (the "Card"). You expressly acknowledge that any Card is issued by a licensed third-party financial institution or bank partner (the "Issuer"), not by Crypto.com Onchain.

5.2. Separate Cardholder Agreement. Your use of the Card is governed by the Issuer's separate Cardholder Agreement and Privacy Policy. We are not a bank, an issuer, or a custodian of your fiat currency or Card balances.

5.3. KYC Verification and Fees. Card orders are subject to mandatory Know-Your-Customer (KYC) identity verification checks, compliance approvals, and potential issuance fees. We and the Issuer reserve the right to reject Card requests, suspend Card features, or freeze balances if your KYC validation fails, if we suspect fraudulent activity, or if required by law.

5.4. No Liability for Card Networks. We do not control the Visa, Mastercard, or other card networks. We are not liable for Card declines, transaction limits, merchant restrictions, or dispute resolution outcomes.

6. Intellectual Property and Limited License

6.1. Ownership. All source code, user interfaces, designs, brands, logos, trademarks, graphics, text, and database structures comprising the Services (collectively, the "Intellectual Property") are the exclusive property of Crypto.com Onchain or its licensors and are protected by international intellectual property laws.

6.2. Limited License. Subject to your strict compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Services solely for your personal, non-commercial purposes.

6.3. Restrictions. You shall not: (a) modify, reverse engineer, decompile, or disassemble any part of the Services; (b) copy, distribute, lease, sell, or scrape any data or code from the Services; (c) use the Services to build a competitive product; or (d) remove or alter any copyright or trademark notices.

6.4. DMCA Copyright Infringement. If you believe any content on our Services infringes your copyright, please submit a written notice to our support desk containing: your signature; identification of the copyrighted work; identification of the infringing material; your contact information; a statement of good faith belief of unauthorized use; and a statement under penalty of perjury regarding the accuracy of your notice.

7. Acceptable Use and Prohibited Activities

You agree that you will not use the Services to engage in any of the following prohibited activities:

• Illegal Activities: Violating any applicable laws, including AML/CTF regulations, tax evasion, fraud, or the sale of illegal goods or narcotics.
• Malicious Conduct: Attempting to interfere with, hack, DDoS, or compromise the cryptographic security of the Services, other users, or any underlying blockchain network.
• Market Manipulation: Engaging in wash trading, front-running, spoofing, or other market manipulation tactics via decentralized exchange integrations.
• Abusive Behavior: Using automated scripts to exploit, spam, or overload our systems or support staff, or engaging in harassing or threatening behavior towards our personnel.

8. Conflicts of Interest Waiver

You acknowledge that Crypto.com Onchain, its affiliates, founders, developers, employees, and sponsors may hold, trade, stake, or liquidate digital assets supported by the Services. We may also act as liquidity providers, node operators, or developers in third-party decentralized protocols integrated into the Wallet. These relationships may create potential conflicts of interest. You hereby expressly waive any claim against us arising from such conflicts of interest and acknowledge that we have no duty to disclose our specific trading positions or protocol relationships to you.

9. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON A STRICTLY "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND FREEDOM FROM COMPUTER VIRUSES OR BUGS. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, NOR DO WE GUARANTEE THE ACCURACY OR RELIABILITY OF ANY DATA DISPLAYED WITHIN THE WALLET.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CRYPTO.COM ONCHAIN, ITS AFFILIATES, DIRECTORS, EMPLOYEES, OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES (INCLUDING LOSS OF PROFITS, LOSS OF DATA, LOSS OF DIGITAL ASSETS, OR BUSINESS INTERRUPTION) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICES, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN FEES OVER THE PAST SIX (6) MONTHS, OR (B) ONE HUNDRED UNITED STATES DOLLARS ($100.00).

11. Indemnification

You agree to indemnify, defend, and hold harmless Crypto.com Onchain, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any rights of a third party; or (d) your violation of any applicable law or regulation.

12. Governing Law, Dispute Resolution, and Arbitration

12.1. Governing Law. These Terms shall be governed by and construed in accordance with the laws of the Cayman Islands, without regard to its conflict of law principles.

12.2. Binding Arbitration. Any dispute, controversy, or claim arising out of, relating to, or in connection with these Terms or the Services, including any question regarding their existence, validity, or termination, shall be referred to and finally resolved by binding arbitration under the Rules of Arbitration of the International Chamber of Commerce (ICC) by one or more arbitrators appointed in accordance with the said Rules. The seat of arbitration shall be George Town, Grand Cayman, Cayman Islands. The language of the arbitration shall be English.

12.3. Class Action Waiver. YOU AGREE THAT ANY CLAIMS OR DISPUTES SHALL BE BROUGHT ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR CONSOLIDATED PROCEEDING.

13. General Provisions

13.1. Force Majeure. We shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

13.2. Severability. If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.

13.3. Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Services, superseding any prior agreements or communications.

13.4. Modifications. We reserve the right to amend these Terms at any time. We will provide notice of significant changes by updating the "Last Updated" date above. Your continued use of the Services constitutes acceptance of the amended Terms.