Terms of Service

These Terms form a binding legal contract between you (the "user", "you", or "your") and MNVA Companies, the operator of the Moneva application ("Moneva" or the "app"). By creating an account, installing the app, accessing the Services, or otherwise using Moneva in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms.

You represent and warrant that you have the legal capacity and authority to enter into this contract, and that, if you are using the Services on behalf of an entity or another person, you have the authority to bind that entity or person to these Terms. In that case, "you" and "your" refer to both you and that entity or person.

These Terms incorporate by reference our Privacy Policy and any feature-specific, supplemental, or in-app terms, disclosures, notices, or guidelines we make available in connection with particular features. By using a feature governed by supplemental terms, you agree to those terms as well. Where supplemental terms conflict with these Terms with respect to that feature, the supplemental terms control for that feature only.

We may update these Terms from time to time as described in Section 22. Your continued access to or use of the Services after an update takes effect constitutes your acceptance of the updated Terms. If at any time you do not agree to these Terms or any update, you must stop accessing and using the Services.

In these Terms, the following words have the meanings given below. Defined terms are capitalized, and other capitalized terms have the meanings given to them where they first appear.

"Moneva" or the "app" means the self-custodial software application, website, and user interface operated by MNVA Companies that lets you interact with a smart-account wallet that you alone control, together with related software, content, and updates.

"MNVA Companies", "we", "us", or "our" means the operating entity that provides the Services. "MNVA Companies" is a placeholder name to be replaced with the registered legal entity once that entity is established; references in these Terms to MNVA Companies apply to that registered entity.

"Services" means the Moneva app and all features, functionality, tools, content, and software we make available, including the interface to your smart-account wallet and any feature that routes to independent third parties, excluding services provided by those independent third parties.

"Self-custodial" or "non-custodial" means that you, and only you, hold and control your funds and the credentials needed to authorize transactions. MNVA Companies does not hold, possess, or control your funds, private keys, or signing credentials, and cannot access, move, freeze, or recover them.

"Smart-account wallet" means the programmable on-chain account associated with your use of the app, which you control through your passkey and which holds your digital assets on public blockchain networks.

"Passkey" means the device-bound cryptographic credential (for example, secured by your device biometrics or device lock) that you use to sign in and to authorize transactions from your wallet. There is no seed phrase.

"Private keys" or "signing credentials" means the cryptographic keys, passkeys, and related secrets used to authorize actions from your smart-account wallet, which remain under your sole control.

"Digital assets" means cryptographic tokens, including "stablecoins" such as USDC (digital assets designed to track the value of a reference currency), recorded on public blockchain networks.

"Third-party protocols and venues" means independent smart contracts, decentralized protocols, trading venues, liquidity sources, and other on-chain or off-chain services that are not operated or controlled by MNVA Companies.

"Licensed payment partners" means independent, separately licensed or registered providers that supply fiat on/off-ramp, virtual account details, card issuance, remittance settlement, and related payment services accessed through the app. We do not name these partners in these Terms.

"Licensed identity-verification partner" means an independent, regulated provider that performs identity verification and related screening for features that require it. We do not name this partner in these Terms.

"On-ramp" and "off-ramp" mean the conversion between fiat currency and digital assets carried out by licensed payment partners.

"KYC/AML" means know-your-customer and anti-money-laundering identity verification, screening, and related compliance processes performed by our licensed partners and, where applicable, by us.

These definitions are read consistently with the self-custodial nature of the Services described in Section 3: references to your assets, wallet, and transactions mean assets, a wallet, and transactions that you control, not assets we hold for you.

Moneva is self-custodial software that provides a user interface to a smart-account wallet which only you control. You authorize all actions from your wallet using a passkey held on your own device. Your digital assets reside on public blockchain networks in your own wallet, not with MNVA Companies. The app helps you view your assets, build transactions, and connect to third-party services, but it does so on your instruction and under your control.

MNVA Companies does not take custody, possession, or control of your funds, your private keys, or your signing credentials at any time. We cannot move, transfer, freeze, seize, reverse, recover, or otherwise access your assets, and we cannot sign or transact on your behalf. Every transaction is initiated and authorized solely by you. Once a transaction is broadcast to a blockchain network it is irreversible and cannot be cancelled, reversed, or refunded by MNVA Companies, by any third party, or by you. You are responsible for verifying all transaction details before you authorize them.

MNVA Companies is a software provider only. It is not a bank, money services business, money transmitter, custodian, trust company, broker-dealer, securities or commodities exchange, investment adviser, or fiduciary, and it does not offer deposit accounts or hold client money. Nothing in the Services creates any deposit, banking, custodial, brokerage, advisory, or fiduciary relationship between you and MNVA Companies.

Certain features of the app route to or interoperate with independent third parties, including licensed payment partners, a licensed identity-verification partner, third-party liquidity venues, and audited third-party DeFi protocols, as described in the service-specific sections below. Those services are provided by the relevant third parties under their own terms, and not by MNVA Companies. We provide the interface that lets you access them; we are not a party to, do not guarantee, and are not a counterparty in those third-party services.

To use the Services, you must be at least 18 years old, or the age of majority in your jurisdiction if that is higher, and you must have the legal capacity to enter into these Terms. By using the Services you represent and warrant that you meet these requirements.

You agree to use the Services only for lawful purposes and in compliance with these Terms and all applicable laws. You are solely responsible for understanding and complying with the laws, regulations, and tax obligations that apply to you in your own jurisdiction, including the determination, reporting, and payment of any taxes arising from your use of the Services and your transactions. MNVA Companies does not provide tax advice and does not withhold, report, or remit taxes on your behalf.

We may, but are not obligated to, require verification of your eligibility, identity, or location at any time, and we may refuse, suspend, restrict, or terminate your access to the software or to particular features where we reasonably believe you do not meet, or no longer meet, the eligibility requirements or are in breach of these Terms. We do not take custody of your funds when we do so, and you retain control of your wallet on-chain as described in Section 23.

Your eligibility is also subject to the prohibited-jurisdiction and sanctions requirements set out in Section 5. Some features may be unavailable to you depending on your residency and location.

The Services are not offered to, and may not be used by, any person who is located in, a resident or national of, or accessing the Services from a comprehensively sanctioned or otherwise restricted jurisdiction, or any person who is the subject of applicable sanctions, or who appears on any applicable sanctions, denied-party, or similar restricted-party list. The list of restricted jurisdictions is [restricted jurisdictions to be specified] and may be updated from time to time.

By using the Services, you represent and warrant that you are not such a person, that you are not acting on behalf of any such person, and that you will not use a VPN, proxy, or any other method to disguise your location or to evade or circumvent geofencing, screening, or other access or compliance controls.

We reserve the right to geo-block, screen, monitor, and restrict access to the Services, in whole or in part, and to refuse, suspend, or terminate access to the software or to particular features, in order to comply with applicable law and our compliance obligations. We may do so without notice where required by law and without taking custody of your funds.

Certain features, including cross-border transfers, virtual account details, card issuance, and regulated or third-party products, may be unavailable in some jurisdictions. Availability of any feature depends on your residency and location and on the requirements of our licensed partners, the relevant third-party venues, and applicable law, and may change at any time. A feature being visible in the app does not guarantee that it is available to you. It is your responsibility to ensure that your use of the Services is permitted where you are located.

Onboarding to Moneva uses a sign-in step together with a passkey created on your device. There is no seed phrase. Your passkey is stored on your device and protected by your device's security (such as biometrics or a device lock), and it is the credential that controls your smart-account wallet. Anyone who can authorize signing operations on your device may be able to access and move your funds.

You are solely responsible for safeguarding your device, your passkey, your sign-in credentials, and any recovery method or recovery contacts you set up, and for keeping them confidential and secure. Because only you can authorize transactions from your wallet, you are responsible for transactions authorized using your device, passkey, or credentials. MNVA Companies cannot prevent, reverse, or recover such transactions and is not liable for them, except to the extent a loss is caused by our own proven gross negligence or willful misconduct, or where liability cannot be excluded under applicable law.

Because the Services are self-custodial, MNVA Companies does not hold your keys and cannot recover, reset, restore, or reverse access to your wallet on your behalf beyond the recovery mechanisms that the software itself provides and that you choose to set up and manage. We cannot regenerate your passkey or signing credentials.

Optional recovery features and the registration of additional device signers, where offered, are user-managed tools. You are responsible for configuring them correctly, keeping them current, and protecting any recovery contacts or backup devices. We strongly encourage you to enable available recovery and security options and to keep your device software up to date.

To the fullest extent permitted by law, MNVA Companies is not liable for any loss or harm arising from a lost, stolen, damaged, or compromised device; lost, forgotten, shared, or compromised passkeys or credentials; your failure to set up or maintain a recovery method; user error, such as sending funds to the wrong address or network; or unauthorized access that is not caused by MNVA Companies. You bear the risk of these events because you alone control your wallet.

You must not share, sell, or transfer your passkey, sign-in credentials, or device access to any other person, and you must not allow any other person to use your wallet on your behalf.

Basic use of the self-custodial app and holding assets in your own wallet do not, by themselves, require an upfront identity check. However, certain features, including cross-border transfers, opening or using virtual account details, card issuance, and accessing certain regulated or third-party products, require identity verification (KYC/AML) before they can be used.

Identity verification and related anti-money-laundering screening are performed by a licensed identity-verification partner and/or a licensed payment partner, not by MNVA Companies. When you use these features, the relevant partner collects, processes, and stores your identity information and documents under its own terms of service and privacy policy, which you should review before submitting information. Our handling of any information we receive in connection with verification is described in our Privacy Policy, which is incorporated into these Terms.

You agree to provide accurate, current, and complete information when asked to verify your identity, and to update it as needed. Providing false, misleading, or incomplete information may result in refusal, delay, or revocation of verification and of access to the relevant features. Verification may be declined, delayed, suspended, or revoked by the relevant partner or by us, including for compliance, fraud-prevention, or risk reasons, and this may restrict or remove your access to the features that depend on it.

To enable verification-gated features and to meet applicable compliance obligations, MNVA Companies may receive your verification status and results (for example, whether verification passed, failed, or is pending) from the relevant partner. MNVA Companies does not control the partner's verification decisions and is not responsible for those decisions or for the acts or omissions of those partners in performing verification.

Fiat on-ramp and off-ramp, virtual USD, EUR, GBP, and Naira account details, card issuance, and remittance settlement are provided by independent licensed payment partners, not by MNVA Companies. These services are subject to the relevant partner's own terms of service, privacy policy, fees, limits, processing times, cut-off times, eligibility requirements, supported currencies, and availability, which may change without notice to us.

MNVA Companies provides the interface to these services only. We are not a party to the fiat payment relationship between you and the licensed payment partner, we do not hold or transmit your fiat funds, and we are not a bank or money transmitter. We do not guarantee settlement, processing, or delivery times, exchange rates, transaction approval, limits, or the availability or continued operation of any partner.

Applicable fees for a given on-ramp or off-ramp transaction are shown to you before you confirm that transaction. Exchange rates and partner pricing are variable and may change between the time a rate is quoted and the time a transaction is processed, and the rate you receive is determined by the relevant partner. Conversions, transfers, and on-chain settlements may be irreversible once initiated, and MNVA Companies cannot reverse or refund them. You are responsible for reviewing all details, including amounts, recipient information, the rate, and applicable fees, before confirming.

You are responsible for ensuring that the payment details you provide are correct and that you are permitted to use the relevant funding source. Transactions may be declined, delayed, held, or reversed by the licensed payment partner or by underlying banks or networks in accordance with their terms and applicable law. Disputes, chargebacks, refunds, and similar matters relating to fiat payments are handled by the relevant licensed payment partner under its terms. We do not endorse any particular payment partner and are not responsible for a partner's acts, omissions, decisions, outages, delays, or losses.

In-app token swaps are executed against independent third-party liquidity venues and smart contracts, not by MNVA Companies. When you initiate a swap, you authorize an on-chain transaction from your own wallet that interacts with those third-party venues. MNVA Companies is not a counterparty to the swap, does not set the price, and does not buy, sell, hold, or provide liquidity for the assets involved.

Swaps carry risks that you accept by using the feature, including price slippage (a difference between the expected and executed price); failed or partial transactions; differences between a quoted price and the price actually executed on-chain due to changing market and network conditions; the effects of maximal extractable value (MEV) and transaction ordering or front-running; and network (gas) fees that you pay regardless of whether a transaction succeeds.

Once a swap is submitted to a blockchain network it is non-reversible. MNVA Companies does not guarantee the execution, timing, price, or any particular outcome of a swap, and is not responsible for losses arising from third-party liquidity venues, smart-contract behavior, or network conditions.

You are responsible for reviewing the quote, the expected output, the slippage settings, and the estimated fees before you confirm a swap. By confirming, you accept the quoted terms and the risks described in this section and in Section 13.

Any "savings" or yield feature works by depositing your own, user-controlled assets into audited third-party DeFi protocols. These are independent smart-contract protocols, not accounts held, operated, or controlled by MNVA Companies. Your assets are not deposited with us, and we do not custody them.

These features are not a bank deposit and are not a deposit-taking, savings, or banking service. There is no deposit insurance or government guarantee of any kind, and there are no guaranteed, fixed, or promised returns. Any displayed yield, rate, APY, or projection is variable, indicative, and informational only, is generated by the third-party protocol, and may decrease, stop, or become negative. It is not a promise of future returns.

Depositing into third-party DeFi protocols carries significant risks that you accept, including smart-contract bugs and exploits; depeg or failure of stablecoins (where a stablecoin loses its intended value); liquidity and withdrawal risk (you may be unable to withdraw when you wish, or at the expected value); oracle failure or manipulation; changes to protocol parameters through protocol governance; protocol insolvency; and the partial or total loss of your principal.

MNVA Companies does not custody these funds, does not operate or control the third-party protocols, and is not responsible for, and does not insure or guarantee against, losses caused by those protocols, their smart contracts, their governance, or their failure. You decide whether to use these features, and you do so at your own risk. The no-advice provisions in Section 12 and the assumption-of-risk provisions in Section 13 apply in full.

Options, perpetual futures, other leveraged or derivative products, and tokenized-asset trading, where offered, are provided through independent third-party venues and protocols, not by MNVA Companies, and are subject to those venues' own terms, eligibility rules, and risk disclosures. MNVA Companies provides interface access only and is not a broker, dealer, exchange, clearing house, market maker, or counterparty to any trade.

Leveraged and derivative products are high-risk and are not suitable for all users. You may rapidly lose some or all of the funds you commit, and you may lose more value, more quickly, than you might expect. Risks include forced liquidation of your positions, sometimes with little or no warning; funding and financing costs and fees; extreme price volatility, gaps, and slippage; and the amplification of both gains and losses through leverage. Past performance is not indicative of future results. You should not use these features unless you fully understand the risks and can bear a total loss.

These products are restricted, prohibited, or unavailable in some jurisdictions, and you must not access them where they are prohibited by the laws applicable to you. Availability depends on your jurisdiction and on the requirements of the relevant venue and applicable law. We may restrict or block access to these features for compliance or risk reasons.

MNVA Companies does not assess the suitability or appropriateness of these products for you, does not provide advice about them, and is not responsible for the terms, pricing, execution, solvency, performance, conduct, or availability of any third-party venue, or for any losses you incur trading these products. This section should be read together with the no-advice provisions in Section 12 and the assumption-of-risk provisions in Section 13.

Nothing in the app, the Services, or any content, data, rate, comparison, label, tool, or material we make available constitutes investment, financial, trading, legal, accounting, or tax advice, or a recommendation, solicitation, inducement, or offer to buy, sell, or hold any digital asset or to use any product, protocol, or strategy. The Services are tools that you use at your own discretion.

MNVA Companies does not provide personalized advice, does not assess the suitability or appropriateness of any asset, product, transaction, or strategy for you, and is not your fiduciary, broker, financial adviser, or investment adviser. We do not manage assets on your behalf. All decisions about whether and how to use the Services, hold or transact in digital assets, deposit into protocols, trade, or use any third-party product are made solely by you, at your own discretion and risk.

You should perform your own research and obtain independent professional advice from qualified advisers regarding the financial, legal, tax, and regulatory consequences of your use of the Services before making any decision.

Any data, prices, rates, yields, APYs, fee comparisons, estimates, projections, or similar figures shown in the Services are for information only, are indicative and may be delayed, estimated, sourced from third parties, or inaccurate, and may change at any time without notice. You should not rely on them as a guarantee of any outcome or as the sole basis for any decision.

By using the Services, you acknowledge and accept the risks inherent in digital assets, blockchain technology, and self-custody, and you agree that you use the Services at your own risk.

These risks include, without limitation: the high volatility of digital assets and the potential for partial or total loss of their value; the irreversibility of blockchain transactions, including transactions sent to the wrong address or network; smart-contract and protocol risk, including bugs, vulnerabilities, exploits, and failures; the risk that a stablecoin loses its intended value (depeg) or fails; network congestion, forks, downtime, reorganizations, and gas (network fee) costs; and the loss of access to your funds if you lose your passkey, device, or recovery method.

Additional risks include the failure, insolvency, error, suspension, unavailability, or misconduct of any licensed payment partner, licensed identity-verification partner, third-party liquidity venue, or DeFi protocol that the Services interoperate with; and changes in laws, regulations, sanctions, or the legal treatment of digital assets that may restrict, suspend, or end your ability to use some or all features or your assets.

Because the Services are self-custodial, you bear full and final responsibility for your own funds, keys, and decisions. You agree that MNVA Companies cannot and will not reverse, recover, restore, replace, or compensate you for any of the outcomes described in this section, and does not insure or guarantee your funds against any of these risks.

You agree not to use the Services for any unlawful, fraudulent, harmful, or abusive purpose. Prohibited activities include, without limitation: money laundering, terrorist financing, or financing of other illegal activity; fraud, theft, or the use of stolen, illicit, or unauthorized funds; tax evasion; bribery or corruption; evasion of sanctions or applicable export or trade controls, or transacting with sanctioned persons; and market manipulation, market abuse, or other abusive trading.

You also agree not to: interfere with, disrupt, damage, probe, or attempt to gain unauthorized access to the Services, our systems, or other users' accounts; copy, modify, decompile, reverse-engineer, disassemble, or attempt to derive source code from the software, except to the limited extent permitted by mandatory applicable law; circumvent, disable, or attempt to bypass any geo-blocking, screening, rate limits, security, or access-control measures; use bots, scrapers, or automated means to access, overload, or abuse the Services other than as expressly permitted; or infringe or misappropriate the intellectual property, privacy, or other rights of MNVA Companies or any third party, or impersonate any person.

You must not use the Services in any way that violates applicable law or any applicable third-party terms, including the terms of our licensed partners, third-party venues, or protocols.

We reserve the right to investigate suspected violations and to restrict, suspend, or block your access to the software or interface, without thereby taking custody of your funds, where we reasonably believe you have violated this section or these Terms, and to report suspected unlawful activity to relevant authorities where required or permitted by law. You will continue to control your wallet and funds on-chain independently of the app, as described in Section 23.

MNVA Companies and/or its partners may charge fees in connection with the Services, which may include, where applicable, on-ramp and off-ramp fees, card fees, swap fees, and spreads. In addition, blockchain network (gas) fees and fees charged by third-party partners, protocols, and venues apply to the relevant activity.

Applicable fees for a given transaction are shown to you before you confirm that transaction, so that you can review them before proceeding. By confirming, you agree to the fees shown. Where total costs depend on network conditions or third-party pricing, the figures shown may be estimates that vary at the time of execution.

We may change our fees from time to time. Where we do, we will provide notice by reasonable means, such as in-app or website disclosure, and the change will apply to transactions you initiate after it takes effect. Your continued use of a fee-bearing feature after a fee change takes effect constitutes acceptance of the change for that feature.

Blockchain network (gas) fees are set by the relevant network and are outside MNVA Companies' control; we do not receive them and cannot refund them, including where a transaction fails or is not included on-chain. Third-party fees are set by, and governed by the terms of, the relevant third party. The current schedule of MNVA Companies fees, where applicable, is made available in the Services or at [fee schedule].

We communicate with you in two distinct ways, and we keep them separate. The first is service, transactional, and operational communications. The second is optional marketing communications. Your consent to receive marketing is never bundled with your acceptance of these Terms, with your acknowledgment of our Privacy Policy, or with any other consent.

Service, transactional, and operational communications are part of the Services and are sent to you because you have an account or have asked to use a feature. They include, for example, account, security, and login notices; identity-verification status; transaction and payment confirmations and receipts; service announcements; and notices of changes to these Terms, our fees, or our Privacy Policy. You receive these communications by virtue of having an account, and they do not require, and are not sent on the basis of, marketing consent. Because they are necessary to provide the Services and to comply with our obligations, you cannot unsubscribe from them while you continue to use the Services; if you no longer wish to receive them, you must stop using the Services.

Optional marketing communications are promotional messages about products, features, offers, and news. We send marketing and product-update emails on the basis of the consent you give when you sign up to receive them, for example by joining our waitlist, where you are shown a clear notice describing what you will receive before you submit. This consent is not a condition of accepting these Terms or our Privacy Policy, and you are never required to accept marketing in order to use the Services.

You can withdraw your marketing consent and unsubscribe from marketing emails at any time, without affecting the lawfulness of any marketing sent before you withdrew. Every marketing email contains a one-click unsubscribe link, and you may also contact us at support@moneva.io. Unsubscribing from marketing does not stop the service, transactional, and operational communications described above, which you continue to receive while you use the Services.

We use a third-party email service provider ([email service provider]) to send these communications on our behalf, and your relevant contact details are shared with it for that purpose. How we collect, use, lawfully process, share, and retain your data for service and for marketing communications, and your rights to access, correct, delete, and withdraw consent, are described in our Privacy Policy, which is incorporated into these Terms.

The Services integrate with, route to, and link to independent third parties, which may include licensed payment partners, a licensed identity-verification partner, third-party liquidity venues, audited DeFi protocols, public blockchain networks, app stores, and login or identity providers. These third parties are not operated or controlled by MNVA Companies.

MNVA Companies does not own, operate, control, or endorse these third parties, and assumes no responsibility for their products, services, content, availability, security, or conduct. Your access to and use of any third-party service is at your own risk and is governed by, and subject to, that third party's own terms of service and privacy policy. You are responsible for reviewing and complying with those terms.

To the fullest extent permitted by law, MNVA Companies disclaims all liability for the acts, omissions, decisions, errors, content, outages, delays, security failures, insolvency, and losses of or caused by any third party, including any third-party partner, protocol, venue, network, store, or provider, and for any loss or damage arising from your use of, reliance on, inability to use, or interaction or transaction with any third-party service. Any dispute you have with a third party is between you and that third party.

The inclusion of any link or integration does not imply that MNVA Companies has reviewed, approved, or verified the third party, and we may add, change, or remove third-party integrations at any time.

MNVA Companies and its licensors own all intellectual property rights in and to the Moneva app, the Services, the software, interfaces, and designs, the "Moneva" and "MNVA" names, logos, trademarks, service marks, and trade dress, and all content we provide, except for your own content and for third-party and open-source components. All rights not expressly granted to you in these Terms are reserved.

Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the app for your own personal, lawful purposes. This license does not grant you any ownership rights.

You must not copy, modify, adapt, translate, distribute, publicly display, sell, rent, lease, sublicense, reverse-engineer, decompile, disassemble, or create derivative works from the Services or any part of them, except to the limited extent permitted by mandatory applicable law, and you must not use the "Moneva" or "MNVA" names, logos, or trademarks without our prior written permission.

The Services may include open-source software components, which are licensed to you under their own license terms. To the extent any open-source license conflicts with the license granted in these Terms with respect to that component, the open-source license governs that component.

If you provide us with feedback, suggestions, or ideas about the Services, you grant MNVA Companies a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, sublicensable license to use, reproduce, modify, incorporate, and exploit that feedback for any purpose, without any obligation or compensation to you.

The Services are provided on an "as is" and "as available" basis, with all faults and without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by applicable law, MNVA Companies and its affiliates and licensors disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage of trade.

We do not warrant that the Services will be available, uninterrupted, timely, secure, accurate, complete, or error-free; that the Services will meet your requirements; that defects will be corrected; that the Services or the systems that make them available are free of viruses or other harmful components; or that any data, rate, price, or comparison shown is accurate, complete, or current. The Services are software, not a custodial or banking service, and your use of them is at your own risk.

MNVA Companies makes no warranty and assumes no responsibility regarding any third-party licensed partner, licensed identity-verification partner, third-party liquidity venue, audited DeFi protocol, blockchain network, app store, login provider, or other third-party service, or regarding the accuracy, timeliness, or completeness of any rate, price, or data sourced from them.

Some jurisdictions do not allow the exclusion of certain warranties or implied terms, so some of the above exclusions may not apply to you, and you may have additional rights. In that case, such warranties or terms are limited to the minimum extent and for the shortest period permitted by applicable law. Nothing in these Terms is intended to exclude or limit any right that cannot be excluded or limited by law. These disclaimers are consistent with the self-custodial, software-only nature of the Services.

To the fullest extent permitted by applicable law, MNVA Companies and its affiliates, and their respective officers, directors, employees, agents, and licensors, will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, business, or digital assets, arising out of or relating to your use of, or inability to use, the Services or these Terms, whether based on contract, tort (including negligence), strict liability, or any other theory, and even if we have been advised of the possibility of such damages.

This includes, without limitation, losses arising from or related to any licensed payment partner, licensed identity-verification partner, third-party liquidity venue, or DeFi protocol; blockchain events, irreversible or mistaken transactions, network conditions, failures, forks, congestion, or downtime, or smart-contract behavior; lost, stolen, compromised, or misused passkeys, devices, or credentials; or your own errors, decisions, or transactions.

To the fullest extent permitted by applicable law, the total aggregate liability of MNVA Companies and the persons listed above, for all claims arising out of or relating to the Services and these Terms, will not exceed the greater of (a) the total fees you actually paid to MNVA Companies for the Services in the twelve (12) months immediately before the event giving rise to the claim, and (b) [USD 100].

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, or for any mandatory statutory consumer rights you may have. Where liability cannot lawfully be excluded but can be limited, our liability is limited to the maximum extent permitted by law.

You acknowledge and agree that this allocation of risk, and the fees (if any) charged for the Services, are a fundamental basis of the bargain between you and MNVA Companies and reflect the non-custodial, software-only nature of the Services, under which you alone control your funds and MNVA Companies cannot reverse, recover, or compensate for on-chain or third-party outcomes, and that MNVA Companies would not provide the Services on a different basis.

You agree to indemnify, defend, and hold harmless MNVA Companies and its affiliates, and their respective officers, directors, employees, agents, and licensors (the "Indemnified Parties"), from and against any and all claims, demands, actions, proceedings, damages, losses, liabilities, costs, and expenses (including reasonable legal and professional fees) arising out of or relating to: your access to or use of the Services; your breach or alleged breach of these Terms; your violation of any applicable law or regulation; your infringement or violation of the rights of any third party; your use of any third-party partner, venue, protocol, or service; or your transactions, holdings, decisions, and tax obligations.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense of that matter. You will not settle any matter that affects an Indemnified Party without our prior written consent.

Your obligations under this section survive the termination or expiration of these Terms and your use of the Services.

We may modify, suspend, add to, or discontinue the app, the Services, or any feature, in whole or in part, at any time, with or without notice, including for legal, regulatory, security, technical, or business reasons. We may also update these Terms from time to time.

When we update these Terms, we will post the updated version with a revised "last updated" date, in the app or on our website. Where changes are material, we will seek to notify you by reasonable means, such as an in-app notice. The updated Terms take effect when posted, unless we state a later effective date. It is your responsibility to review the Terms periodically.

Your continued access to or use of the Services after an update to these Terms takes effect constitutes your acceptance of the updated Terms. If you do not agree to an update, you must stop using the Services.

Because the Services are self-custodial, any modification, suspension, or discontinuation of the app does not affect your ownership or control of the funds held in your own wallet. Your wallet exists on public blockchain networks independently of the app, and you can continue to access and control your funds using your own credentials and compatible tools even if the app is unavailable.

You may stop using the Services at any time. Because the Services are self-custodial, you do not need our permission to access your own wallet, and you retain access to and control of your funds on-chain regardless of whether you continue to use the app.

We may suspend, restrict, or terminate your access to the software or interface, in whole or in part, at any time and without taking custody of your funds, including for your breach or suspected breach of these Terms, for legal, regulatory, sanctions, or compliance reasons, to manage risk or security, or because we discontinue the app or a feature. Where reasonable and lawful, we will seek to provide notice, but we may act without prior notice where required by law or where necessary to prevent harm.

Suspension or termination of your access to the app does not affect your ownership or control of your wallet or your funds, and does not give MNVA Companies custody or control of them. Your wallet and funds remain on public blockchain networks under your control, and you may continue to access and move them independently of the app using your own credentials and compatible tools.

The provisions of these Terms that by their nature should survive termination will survive, including Section 12 (No Advice), Section 13 (Assumption of Risk), Section 18 (Intellectual Property), Section 19 (Disclaimers), Section 20 (Limitation of Liability), Section 21 (Indemnification), Section 24 (Dispute Resolution, Arbitration, and Class-Action Waiver), Section 25 (Governing Law), and Section 26 (General).

Please read this section carefully. It affects your legal rights, including your right to bring claims in court and to have disputes decided by a judge or jury. It requires the use of binding individual arbitration and waives certain rights, including the right to a jury trial and the right to participate in a class action.

Informal resolution first. Before starting any formal proceeding, you agree to first try to resolve the dispute informally by sending written notice of the dispute to support@moneva.io, describing the dispute and the relief you seek. You and MNVA Companies agree to negotiate in good faith for at least sixty (60) days from the date the notice is received. If the dispute is not resolved in that period, either party may begin arbitration as described below.

Binding individual arbitration. Except for the carve-outs below, any dispute, claim, or controversy arising out of or relating to these Terms or the Services that is not resolved informally will be resolved by final and binding individual arbitration administered by [arbitration body] under its then-current rules, with the seat or venue of arbitration in [seat/venue]. The arbitration will be conducted in the English language. The arbitrator, and not any court, has authority to resolve disputes about the interpretation, applicability, or enforceability of this section, except as stated in the class-waiver and carve-out provisions below. Judgment on the award may be entered in any court of competent jurisdiction.

Class-action, representative-action, and jury-trial waiver. To the fullest extent permitted by applicable law, you and MNVA Companies agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims or preside over any form of representative or class proceeding. You and MNVA Companies also waive any right to a trial by jury.

Opt-out. You may opt out of this arbitration agreement and class-action waiver by sending written notice to support@moneva.io within thirty (30) days after you first accept these Terms, clearly stating that you opt out and including your name and the account or contact information you use. If you opt out, the binding-arbitration requirement and the class-action/representative-action waiver in this Section 24 will not apply to you; the informal-resolution requirement in this Section, the jury-trial waiver to the extent permitted by law, and Section 25 (Governing Law) continue to apply.

Carve-outs. Notwithstanding the above, either party may bring an individual claim in a small-claims court for disputes within that court's jurisdiction, and either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property or confidential information.

Mandatory rights and severability. If you are a consumer, mandatory consumer-protection laws of your home jurisdiction may give you rights that override parts of this section, including the right to bring certain claims in your local courts, and nothing here is intended to deprive you of those mandatory rights. If any portion of this section is found unenforceable, that portion will be severed, and the remainder will continue to apply; provided that, if the class-action waiver is found unenforceable as to a particular claim or request for relief, that claim or request will be severed from arbitration and proceed in a court of competent jurisdiction under Section 25, while all other claims continue in arbitration.

These Terms, and any dispute or claim arising out of or relating to them or the Services, are governed by and construed in accordance with the laws of [governing law jurisdiction], without regard to its conflict-of-laws rules.

Subject to the arbitration provisions in Section 24, and for any matter that is not subject to arbitration, you and MNVA Companies agree to the exclusive jurisdiction of the courts located in [courts/venue], and submit to the jurisdiction of those courts.

If you use the Services as a consumer, this choice of law and forum does not deprive you of the protection of any mandatory consumer-protection laws of the country in which you are habitually resident, which may continue to apply to you and may give you rights that these Terms cannot remove.

Entire agreement. These Terms, together with the Privacy Policy and any supplemental or feature-specific terms incorporated by reference, constitute the entire agreement between you and MNVA Companies regarding the Services, and supersede all prior agreements and understandings on that subject.

Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision, and no waiver is effective unless made in writing.

Assignment. MNVA Companies may assign or transfer these Terms, in whole or in part, including to an affiliate or in connection with a merger, acquisition, reorganization, or sale of assets. You may not assign or transfer these Terms or any rights or obligations under them without our prior written consent, and any attempt to do so is void.

Force majeure. MNVA Companies is not liable for any delay or failure to perform resulting from causes beyond its reasonable control, including blockchain or other network failures, congestion, forks, reorganizations, or outages; third-party partner, protocol, or venue outages; acts of God; natural disasters; war; terrorism; civil unrest; labor disputes; governmental or regulatory action; and failures of internet, power, or telecommunications.

No third-party beneficiaries. Except for the Indemnified Parties identified in Section 21 and the persons covered by the disclaimer and limitation-of-liability provisions in Sections 19 and 20, these Terms do not create any third-party beneficiary rights.

Notices. We may provide notices to you in the app, by email, or by posting on our website, and such notices are deemed given when sent or posted. You may send notices to us at support@moneva.io.

Electronic communications and consent to electronic delivery. You consent to receive the service, transactional, and operational communications, notices, disclosures, and agreements described in Section 16 from us electronically, whether in the app, by email, or by posting on our website, and you agree that electronic delivery satisfies any legal requirement that such communications be in writing, to the extent permitted by applicable law. This consent to electronic delivery is not consent to marketing; marketing requires the separate opt-in described in Section 16.

Controlling language. These Terms may be made available in multiple languages for convenience. The English-language version is the controlling version, and any translation is provided for convenience only; in the event of a conflict, the English version prevails to the extent permitted by applicable law.

Relationship of the parties. You and MNVA Companies are independent contracting parties. Nothing in these Terms creates any partnership, joint venture, agency, employment, fiduciary, or trust relationship between you and MNVA Companies.

Headings. Section headings are for convenience only and do not affect the interpretation of these Terms.

If you have questions about these Terms or the Services, you can contact us by email at support@moneva.io.

The Services are operated by MNVA Companies (a placeholder name to be replaced with the registered legal entity), with its registered office at [registered office address].