Terms of Service  

Last modified: August 2025

Welcome to THORWallet

THESE TERMS CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND US. PLEASE READ THESE TERMS CAREFULLY TO ENSURE THAT YOU UNDERSTAND AND AGREE TO EVERY PORTION OF THESE TERMS BEFORE USING ANY PART OF THE SERVICE. THORWALLET IN PARTICULAR ONLY OFFERS THE SOFTWARE TO INTERACT WITH MULTIPLE THIRD-PARTY BLOCKCHAINS, DEX AGGREGATORS, AND YIELD PROVIDERS, SUCH AS THORCHAIN, MAYA, CHAINFLIP, 1INCH, UNIZEN, AAVE, KILN, AND RUJIRA STAKING. THORWALLET IN NO CIRCUMSTANCES HAS INFLUENCE OR THE POWER OVER THESE THIRD-PARTY SERVICES AND THEIR FUNCTIONALITIES. NO ADDITIONAL SERVICES THAN THE SOFTWARE FOR THE INTERACTION WITH THIRD-PARTY SERVICES ARE OFFERED.

These terms of service (these “Terms” or the “Terms”) issued by DeFi Suisse AG, Wolleraustrsasse 41a, 8807 Freienbach, Switzerland (“THORWallet”, “we”, “our”, or “us”) govern your use or access of: (1) THORWallet.org and any other website maintained or published by THORWallet (each, a “Website”); (2) our mobile application, which allows access to third-party blockchain infrastructure, decentralized exchange aggregators, and DeFi earning protocols from a mobile device (“App”); provided on or in connection with our service enabling you to interact with those services (the Websites and the App, collectively, the “Service”). By accessing or using any part of the Service you acknowledge that you have read, understood, acknowledge, and agree to be bound by these Terms in full. These Terms apply to any visitor of a Website, user of the Service, and any other person who otherwise accesses or uses the Service (each a “User”). Certain parts of the Service may be subject to additional terms that we may specify from time to time, and your use of such Service is subject to those additional terms. Such additional terms are hereby incorporated into these Terms.

THORWallet may, in its sole discretion, modify or update these Terms from time to time, so you should review this page periodically. When we change these Terms in a material manner, we will update the date at the top of this page and inform the User timely in advance by an adequate notice of such changes in the App and on the Website. If you do not agree to any such changes, you are entitled to stop using the Service at any time prior to their entry into force. Your continued use of the Services after the changes entered into force constitutes your acceptance of such changes.

INVESTMENT DISCLAIMER: THORWallet does not endorse or recommend any particular digital asset, transaction, purchasing strategy, or yield service. Content on any of the Websites or your communications with any of our personnel should not be construed as purchase, investment, or financial advice. You should seek independent advice prior to using the Service. You acknowledge and represent that all transaction and investment decisions made in connection with your use of the Service are made solely by you and THORWallet will have no liability for any of your decisions. THE RISK OF LOSS IN BUYING, SELLING, OR STAKING A DIGITAL ASSET CAN BE SUBSTANTIAL. YOU SHOULD CAREFULLY CONSIDER WHETHER SUCH ACTIVITIES ARE SUITABLE FOR YOU IN LIGHT OF YOUR FINANCIAL CONDITION.

i. Use of the Service  

a. Eligibility to use the Service. You shall not use the Service unless you are in full  compliance with these Terms and all applicable laws. You shall not use any part of the  Service if you lack legal capacity to act in relation to THORWallet. Any use of or access  to the Service by anyone under 18 is prohibited. Currently, we do not allow Users residing or present in the following jurisdictions to use the Service: the State of New York, the State of Washington, any jurisdiction sanctioned by the United States  Treasury’s Office of Foreign Assets Control or any jurisdictions sanctioned by Switzerland (in particular as communicated, controlled and ad mistered by the State  Secretariat for Economic Affairs) and/or by the United Nations (in particular the UN  Security Council) , or any other jurisdiction that we determine to present a high risk of  fraud. You shall not use the Service if you reside or are present in one of the jurisdictions  listed in the previous sentence.

b. The Service Generally. Generally, the purpose of the Service is to allow Users to hold and interact with multiple third-party blockchains and decentralized protocols, including decentralized swap aggregators and yield providers (collectively, “Third-Party Services”). These services may include—but are not limited to—THORChain, Maya Protocol, Chainflip, 1inch, Unizen, and others. Our Service is strictly non-custodial and functions solely as an interface to access these Third-Party Services. THORWallet never takes custody of the digital assets used through the Service, and any transaction (a “Transaction”) initiated using the App is conducted between you and the selected Third-Party Service and governed by their applicable terms.

You may be charged a miner or network fee by the relevant blockchain protocol or provider for processing the Transaction on your behalf (a “Miner Fee”). The applicable Miner Fee is disclosed prior to your authorization of each Transaction.

THORWallet may modify or update any portion of the Service at any time. Subject to  your full compliance with these Terms, you are hereby granted a non-exclusive, limited,  non-transferable, freely revocable license to access and use the Service for entrepreneurial or business use only (as opposed to a use for personal, social, family, household and similar needs) and as permitted by the features of the Service, at and  during the time your access or use of the Service (“Service License”). You shall not use any part of the Service for illegal or fraudulent purposes or for the purpose of  consummating Transactions on behalf of another person. For the avoidance of doubt, you must be the beneficial owner of the digital assets, the sending address, the  destination address. THORWallet reserves all rights not expressly granted in these Terms  in the Service and the THORWallet Content (as defined below). THORWallet may revoke  the Service License or any portion of the Service at any time for any or no reason. For  the avoidance of doubt, you may stop using our Services at any time for any or no  reason.

You acknowledge that you are accessing the Service in a business or entrepreneurial capacity, not as a consumer. Therefore, any consumer protection laws applicable to personal or household use are expressly waived to the fullest extent permitted by law.

You acknowledge that features offered through the App, including swap routes, earn programs, and gamified elements, are experimental and may be modified, suspended, or discontinued at any time without prior notice or liability.

c. Suspension or Termination of the Service. You acknowledge that we may, without prior notice to you: suspend the Service; change the Service; stop providing the Service  or features of the Service, to you or to Users generally; or create usage or Transaction  limits on the Service. In particular, we may suspend, change or stop providing the  Service in response to changed regulatory requirements or in case you used the Service  in reasonably suspected or actual violation of these Terms. For the avoidance of doubt,  you may stop using our Services at any time for any or no reason.

d. Third-Party Integrations. You acknowledge that the Service integrates with multiple third-party decentralized services including, but not limited to, THORChain, Maya Protocol, Chainflip, 1inch, Unizen, AAVE, Kiln, and Rujira Staking (each a “Third-Party Service Provider”). All services made available through the App—whether swap routing or yield/earn functionality—are clearly marked with the associated provider. You have the option to select or change the provider used for swaps or to refrain from using a given Earn service if you do not wish to use the corresponding Third-Party Service Provider.

You acknowledge that decentralized yield services including but not limited to Thorchain, Maya, AVEE, Kiln, and Rujira Staking may involve smart contract risks, impermanent loss, validator slashing, and protocol-specific failures. THORWallet provides no guarantee regarding the safety, APYs, or continued availability of any yield product integrated into the App.

WE DO NOT OFFER, ENDORSE OR ASSUME ANY RESPONSIBILITY FOR ANY THIRD-PARTY SERVICE. IF YOU ACCESS AND/OR USE A THIRD-PARTY SERVICE FROM WITHIN THE SERVICE, YOU ACKNOWLEDGE THAT: (I) YOU DO SO AT YOUR OWN RISK; (II) THESE TERMS AND OUR PRIVACY POLICY DO NOT APPLY TO SUCH THIRD-PARTY SERVICE; (III) YOU MAY BE REQUIRED BY THE THIRD-PARTY TO AGREE TO ADDITIONAL TERMS OR CREATE AN ACCOUNT; AND (IV) CERTAIN THIRD-PARTY SERVICES MAY PUBLISH TO A PUBLIC BLOCKCHAIN INFORMATION YOU SEND TO THEM. You shall not hold us liable for any damages or losses you incur related to your use of any Third-Party Service.

e. DEX & Swap Routing Functionality. Through our App, you can access decentralized asset swap functionality using a variety of third-party routing providers and decentralized exchange (DEX) protocols. These currently include, but are not limited to, THORChain, Maya Protocol, Chainflip, 1inch, Jupiter, Skip, and Unizen (collectively, “Swap Providers”).

These providers facilitate swaps across and within blockchains, and the App acts solely as a non-custodial interface to these services. You expressly acknowledge that:

• We do not own, control, operate, or maintain any of the Swap Providers integrated into the App.
• We are not a party to any transaction or swap executed via these providers.
• All swaps are clearly labeled with the name of the underlying Swap Provider used, and where possible, you may choose an alternative provider for a given swap.
• We cannot cancel, reverse, or modify any swap transaction once it has been broadcast to the relevant blockchain network.
• Swaps are an advanced feature that can result in loss of funds. You must review in detail all swap information before broadcasting. You are ultimately responsible for all swap activity.

You further agree and understand that:

• You are solely responsible for reviewing the selected Swap Provider’s terms, fees, slippage, and execution logic before authorizing a swap.
• Any network or miner fees associated with a swap will be disclosed before execution and are paid directly to the blockchain.
• THORWallet is not liable for failed transactions, downtime, price volatility, smart contract bugs, slippage, or protocol-level risks associated with the Swap Provider.
• By using any of these services, you assume full responsibility and risk for the outcome of the transaction.

We strongly recommend you conduct your own due diligence on the available Swap Providers before using their services through the App.

f. Yield and Staking Services. By using any “Earn”, “Yield”, liquidity mining, or staking feature available through the THORWallet App (collectively, the “Yield Services”), you acknowledge and agree to the following:

• Third-Party Protocols – No Control by THORWallet: All Yield Services are entirely provided and facilitated by third-party protocols (such as THORChain or other decentralized networks) not owned or controlled by THORWallet. THORWallet does not control, endorse, or assume any responsibility for these third-party services or smart contracts. Your use of any Yield Service through the App is at your own risk and discretion, and is subject to the terms and conditions of the applicable third-party protocol. THORWallet is not a party to any on-chain yield-generating transaction or agreement; it only provides a user interface for you to interact with independent blockchain networks.
• No Custody of Assets or Rewards: THORWallet is a non-custodial interface. Using Yield Services will typically require you to transfer, delegate, or lock your digital assets into a third-party smart contract or network. At no point does THORWallet ever take possession of or control over your assets or any rewards earned. You retain sole control of your private keys, and any staking or yield rewards are delivered directly by the third-party protocol (e.g. the blockchain network’s smart contract) to your blockchain address. THORWallet cannot access, freeze, “withdraw,” or retrieve your staked assets or any yield on your behalf, and cannot reverse any transactions on the blockchain.
• No Advice or Fiduciary Duty: THORWallet does not provide investment advice, recommendations, or assurances regarding any Yield Service or third-party provider. Any information displayed in the App (such as interest rates, APYs/APRs, or protocol details) is for informational purposes only and provided by the third-party protocols. THORWallet makes no representation that any particular yield strategy is suitable for you or that it has vetted the security or soundness of any third-party protocol. All decisions to participate in Yield Services are made solely by you, based on your own assessment of the risks and your personal financial circumstances. You acknowledge that no communication or information from THORWallet will be construed as an encouragement or recommendation to use any Yield Service, and you will not hold THORWallet responsible for your decision. (See also the Investment Disclaimer at the top of these Terms, which fully applies here.)
• No Guarantee of Returns or Rates: THORWallet does not guarantee that you will earn any yield, staking reward, or return, nor any particular rate of return, by using the Yield Services. Any estimated annual percentage yield (“APY”) or annual percentage rate (“APR”) shown in the App is provided by the third-party protocol (for example, calculated from recent network data) and is purely illustrative. Such figures do not constitute a promise or guarantee that these returns will actually be achieved. Reward rates and outcomes are determined solely by the underlying blockchain protocols and can change at any time. Factors like network participation, liquidity, market conditions, or protocol governance may reduce or eliminate yields with little or no warning. You acknowledge that actual results may differ significantly from any initial projections, and you agree that THORWallet is not liable for any difference between projected and actual returns.
• Network and Smart Contract Risks: You understand that engaging with Yield Services involves inherent risks in blockchain networks and smart contracts, including the risk of software bugs, vulnerabilities, or hacks. THORWallet is not responsible for any smart contract malfunction, coding bug, security breach, or other failure of the underlying protocol that results in loss of funds or rewards. For example, if a third-party liquidity pool or staking contract has a vulnerability that is exploited, resulting in partial or total loss of the assets you deposited, that loss will be borne entirely by you. Likewise, THORWallet has no control over “slashing” penalties or other punitive measures that a blockchain network may impose (for instance, in proof-of-stake systems) which could reduce your staked assets or earned rewards. It is your responsibility to understand the smart contract code and security audits (if any) of the protocols you choose to use. THORWallet disclaims all liability for losses due to smart contract failures, exploits, programming errors, or protocol-level attacks.
• Yield Service Availability and Continuity: THORWallet does not guarantee that any particular Yield Service or digital asset will be available or continue to be supported in the App. The availability of integrations (e.g. specific DeFi platforms or staking options) may change or be discontinued at any time, for example due to changes in third-party terms, security incidents, lack of liquidity, regulatory considerations, or THORWallet’s own business decisions. THORWallet cannot and does not ensure that any given asset or protocol will remain eligible for Yield Services. Additionally, THORWallet cannot guarantee uninterrupted or error-free operation of any Yield Service. Blockchain networks may experience downtime, congestion, delays, or forks; third-party providers may update or pause their smart contracts; and technical issues may arise. Any such interruptions or errors are beyond THORWallet’s control, and THORWallet shall not be liable for any inability to deposit, withdraw, earn rewards, or otherwise use the Yield Services due to these issues. You should be prepared for the possibility that your access to Yield Services could be suspended or terminated, and that unbinding/unstaking or withdrawing assets could be delayed by the underlying protocol’s requirements (for example, a required bonding/unbonding period or queue).
• No Liability for Losses; Hold Harmless: To the fullest extent permitted by law, THORWallet will not be liable for any losses, damages, penalties, or costs arising from or related to your use of Yield Services. This includes, without limitation: loss of principal funds or assets you deposit into third-party contracts; loss of expected rewards or interest; “impermanent loss” or other market risks associated with providing liquidity; slashing penalties or confiscation of staked assets by a network; validator misbehavior or underperformance; protocol insolvency or failure; hacks, exploits, or theft affecting a protocol; sudden changes in a protocol’s rules (including forks or governance decisions); or any other risks inherent in decentralized finance and staking. You agree not to hold THORWallet responsible for, and waive any claims against THORWallet for, any such outcomes. In particular, THORWallet shall not be responsible for compensating you for any lost assets or missed earnings, even if the third-party service fails, underperforms, or does not meet your expectations. All Yield Services are offered “as is” and without warranties of any kind, and you assume all risks in using them.
• User’s Due Diligence and Responsibility: You acknowledge that you have a full understanding of the risks involved in Yield Services, or that you have had the opportunity to research and educate yourself about these risks before participating. You agree that you are using Yield Services voluntarily, based on your own judgment, and that you are solely responsible for monitoring your positions (e.g. collateral health in a lending protocol, or rewards accruing in a staking contract). Before using any Yield Service, you should conduct thorough, independent research into the applicable protocol and ensure that its mechanism suits your objectives and risk tolerance. If you are not willing to accept the possibility of smart contract failure, financial loss, or the other risks discussed above, you should not use these services. By proceeding to use the Yield Services, you affirm that you understand and accept all inherent risks and obligations, and you agree to hold THORWallet harmless for any outcomes (positive or negative) that result. This provision does not waive any rights you may have that cannot be lawfully waived, but it does mean that the responsibility for using these advanced features lies with you and not with THORWallet.

Disclaimer of Warranties. YOU ACKNOWLEDGE THAT THE SERVICE IS BEING PROVIDED  BY THORWALLET “AS IS” AND “AS AVAILABLE” BASIS AND FOR FREE. THORWALLET  MAKES NO WARRANTY REGARDING THE SERVICE OR THE APP AND HEREBY EXPRESSLY  DISCLAIMS ALL EXPRESS, IMPLIED AND/OR STATUTORY WARRANTIES AND/OR  GUARANTEE, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR  A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS.  THORWALLET DOES IN PARTICULAR NOT WARRANT AND/OR GUARANTEE THAT: THE  SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; THE SERVICE WILL BE  AVAILABLE UNINTERRUPTED OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, SECURE, OR ERROR-FREE; ANY CONTENT PROVIDED TO YOU IN CONNECTION WITH THE  SERVICE WILL BE ACCURATE, RELIABLE, OR CORRECT; ANY OF THE SERVICE’S DEFECTS  OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICE WILL BE FREE OF VIRUSES OR  OTHER HARMFUL COMPONENTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR  WRITTEN, OBTAINED BY YOU FROM THORWALLET OR THROUGH THE SERVICE WILL  CREATE ANY WARRANTY.

Any content downloaded or otherwise obtained through the use of the Service is  downloaded at your own risk and you will be solely responsible for any damage to your  computer system or mobile device or loss of data that results from such download or  your use of the Service.  

Due to the disclaimers in this section, we strongly recommend that you only use the App to manage, buy, sell, or trade small amounts of digital assets. If any issues arise in  connection with the Service, THORWallet shall make reasonable efforts to resolve such  issues, but you acknowledge that THORWallet will have no liability for any bugs, errors,  or other problems that result in loss of your funds or digital assets. You acknowledge  that the Service may contain more or fewer features or be licensed under different  terms than previous versions.  

The disclaimers and exclusions under these Terms will not apply to the extent prohibited  by applicable law. Certain laws and jurisdictions do not allow the exclusion and  limitations of certain warranties, so the exclusions in this section may not apply to you.  These Terms give you specific legal rights, and you may also have other rights which vary  from jurisdiction to jurisdiction.

Prohibited Export No portion of the Service may be exported or re-exported to certain  countries or those persons or entities prohibited from receiving exports from the USA  and/or Switzerland.  

iii. Transactions on the Service  

a. Digital Wallet. You may be required to create or link with the Service a digital  wallet in order to utilize certain portions of the Service, including initiating and  completing Transactions. WHEN YOU CREATE A NEW DIGITAL WALLET, YOU MUST  REMEMBER OR WRITE DOWN THE PASSWORD RECOVERY PHRASE TO RETAIN ACCESS TO  ANY DIGITAL ASSETS STORED ON SUCH WALLET IN ORDER TO RETAIN OR RECOVER ANY  APPLICABLE DIGITAL ASSETS IF YOU DELETE THE THORWALLET APP OR IF THORWALLET

CEASES OPERATION. You are solely responsible for the management of any digital wallet  you control and the digital assets within such digital wallet. THORWallet will not be able  to recover any digital wallet or digital asset for you in the event you forget your pin or  lose your recovery phrase. You acknowledge that THORWallet will not be liable for any  loss of funds or digital assets due to your loss of your password, or recovery phrase.  

At no point does THORWallet ever store, access, or have control over your private keys. You are solely responsible for maintaining access to your private keys and seed phrases. Loss of such access will result in permanent loss of your digital assets, for which THORWallet bears no responsibility.

b. Digital Asset Prices. You acknowledge that digital asset prices displayed in the App may be sourced from various integrated third-party providers, including but not limited to THORChain, Maya Protocol, Chainflip, 1inch, and Unizen. These providers determine pricing logic independently through their respective algorithms and liquidity mechanisms. Prices may vary across providers and are volatile, subject to real-time fluctuations and changes without notice.

You are solely responsible for reviewing and confirming the pricing, slippage, and provider before executing any transaction. Digital assets are experimental and risky, and their prices may change significantly at any time.

c. Transactions Generally. You acknowledge that THORWallet cannot reverse a  Transaction which has been broadcast to a blockchain network and that once you  initiate a Transaction, it may finalize. You acknowledge that you or THORWallet may not  be able to reverse or change any Transaction denoted as complete or pending.

d. Digital Assets. THORWallet does not guarantee the listing of any asset on the  Service and we may add or remove digital assets to the Service at our sole discretion.  We may impose Transaction or amount limits to any digital asset on our Service. You  shall not attempt to use the Services to store, send, request, or receive digital assets  that are not supported by THORWallet. THORWallet assumes no responsibility or liability  in connection with any attempt to use the Service for digital assets that we do not  support.

e. Underlying Protocols. Generally, the underlying protocols in our Service are open  source and any person can use, copy, modify, and distribute them. You acknowledge  that: (i) THORWallet does not own or control the underlying software protocols which  govern the operation of the digital assets supported on the Service; (ii) that THORWallet  is not responsible for the operation of the underlying protocols and that we make no  warranty and/or guarantee of those protocols’ functionality, security, or availability;  and (iii) that the underlying protocols are subject to sudden changes in operating rules,  which may materially affect the value, function, our ability to have a particular digital  asset listed on our Service, the name of the digital asset, or any combination of the  foregoing items.

f. Digital Asset Forks. In the event of a digital asset fork, you acknowledge that: (i)  THORWallet may, without advance notice to you temporarily suspend operations  associated with such digital asset; (ii) THORWallet may not support either branch of the

forked digital asset protocol after that fork; (iii) if you send a Transaction at the time of  the fork, only the originally-intended Transaction that you sent is honored; and (iv)  THORWallet assumes no responsibility for damages related to an unsupported branch  of a forked digital asset protocol.

g. Taxes. It is your sole responsibility to determine whether, and to what extent,  any taxes apply to any Transaction you conduct through the Service, and to withhold,  collect, report, and remit the correct amounts of taxes to the appropriate tax  authorities. Your Transaction history is available in the App. You acknowledge that  THORWallet will have no liability for any taxes associated with your Transactions.

THORWallet does not provide tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors before engaging in any transactions. No fiduciary duty or relationship is created between you and THORWallet.

iv. User Feedback and Ideas  

a. User Feedback and Ideas. You may choose to or we may invite you to submit  feedback, ideas, modifications, comments, or suggestions about the Service or  THORWallet generally, including about how to improve the Service or our products  (each, an “Idea”). By submitting any Idea, you acknowledge that and hereby consent to  your disclosure being gratuitous, unsolicited and without restriction and will not place  THORWallet under any fiduciary or other obligation, and that THORWallet is the sole  owner of such Idea and that we are free to use any Idea without any additional  compensation to you, or to disclose the Ideas on a non-confidential basis or otherwise  to anyone. You acknowledge that, despite our acceptance of your Idea submission,  THORWallet does not waive any rights to use similar or related ideas previously known  to THORWallet, or developed by its employees or contractors, or obtained from sources  other than you. 

v. The THORWallet App  

a. Generally. To use the App, you must have a mobile device that is compatible with  the App. THORWallet does not warrant and/or guarantee that the App will be compatible with your mobile device. You may be required by your wireless provider to  use mobile data in connection with the App and may incur additional charges from your  wireless provider for using this data. You acknowledge that you are solely responsible  for any such charges and THORWallet will have no liability for such charges. THORWallet  hereby grants you a non-exclusive, non-transferable, revocable license to use a  compiled code copy of the App for one mobile device owned or leased solely by you for  your personal use (“App License”). The App License is not a sale of the App or any copy of the App, and THORWallet or its third-party partners or suppliers retain all rights, title,  and interest in the App (and any copy of the App). Any attempt by you to transfer any  of the rights, duties, or obligations in connection with the App License, except as  expressly provided for in these Terms, is void and of no legal effect. You acknowledge  that THORWallet may release future versions of the App, which may be automatically  downloaded to your mobile device and replace a prior version of the App. You consent  to such automatic upgrading on your mobile device and acknowledge that these Terms  will apply to all such upgrades. Any third-party code that may be incorporated in the  App is covered by the applicable open source or third-party license end-user license  agreement, if any, authorizing use of such code. THORWallet reserves all rights in the  App not expressly granted under these Terms.  

b. Additional Apple App Store Terms. This section applies to all Users who obtain  the App from Apple’s App Store. You and THORWallet acknowledge that: (i) these Terms  are solely between you and THORWallet; (ii) Apple, Inc. and its affiliates or subsidiaries  (“Apple”) are not a party to these Terms; and (iii) Apple has no responsibility for the App  or its related content. Your use of the App must comply with the applicable Apple’s App  Store terms of service or use. If a conflict arises between Apple’s App Store terms and  these Terms, then Apple’s App Store terms of service or use will prevail. The App License  is limited to use on Apple-branded Products that you own or control and as permitted  by the Usage Rules set forth in the App Store Terms of Service, except that the App may  be accessed and used by other Accounts associated with you via “Family Sharing” or  volume purchasing. You and THORWallet acknowledge that Apple has no obligation to  provide you with any maintenance and support services with respect to the App.  THORWallet is solely responsible for any product warranties of the App, whether expressed  or implied by law, to the extent not effectively disclaimed elsewhere in these Terms. To  the maximum extent permitted by applicable law, Apple will have no other warranty  obligation with respect to the App, and any other claims, losses, liabilities, damages,  costs, or expenses attributable to any failure to conform to any warranty will be solely  THORWallet’s responsibility. You acknowledge that Apple is not responsible for  addressing any claims of you or any third-party relating to the App and your possession  or use of the App, including: (iv) product liability claims; (v) any claim that the App fails  to conform to any applicable legal or regulatory requirement; and (vi) claims arising  under consumer protection, privacy, or similar legislation. You and THORWallet  acknowledge that, if any third-party claim that the App or your possession and use of  the App infringes that third-party’s intellectual property rights, THORWallet, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of  any such intellectual property infringement claim to the extent required by these Terms.  You shall comply with any applicable third-party terms of agreement when using the  App. You and THORWallet acknowledge that Apple is a third-party beneficiary of these  Terms as relates to your license of the App, and that, upon your acceptance of these  Terms, Apple will have the right (and will be deemed to have accepted the right) to  enforce these Terms as relates to your license of the App against you as a third-party  beneficiary of these Terms.

c. Google Play Store Terms. If you downloaded the App from Google’s Play Store  and a conflict arises between Google’s Play Store terms and these Terms, then you  acknowledge that Google’s Play Store terms will prevail.

d. Service Rules. You shall not engage in any of the following (each, a “Prohibited  Activity”): (i) modifying, disassembling, decompiling, or reverse engineering any portion  of the Service (except if and to the extent permitted by applicable mandatory law); (ii)  renting, leasing, loaning, reselling, sublicensing, or otherwise transferring any portion  of the Service to any third-party; (iii) use any portion of the Service to provide time  sharing or similar services for any third-party; (iv) copying, distributing, or disclosing any  part of the Service in any medium, including by any automated or non-automated  “scraping”; (v) writing, using any automated system, including “robots,” “spiders,”  “offline readers,” etc., to access the Service in a manner that sends more request  messages to the THORWallet servers than a human can reasonably produce in the same  period of time by using a conventional on-line web browser (except that THORWallet  grants the operators of public search engines revocable permission to use spiders to  copy publicly available materials from the Websites for the sole purpose of and solely  to the extent necessary for creating publicly available searchable indices of those  materials, but not caches or archives of such materials); (vi) transmitting spam, chain  letters, or other unsolicited email in connection with the Service; (vii) attempting to  interfere with, compromise the system integrity or security or decipher any  transmissions to or from the servers running the Service; (viii) taking any action that  imposes, or may impose at our sole discretion an unreasonable or disproportionately  large load on our infrastructure; (ix) uploading invalid data, viruses, worms, or other  software agents through the Service; (x) collecting or harvesting any personally  identifiable information from the Service; (xi) using the Service for any commercial  solicitation purposes; (xii) impersonating another person or otherwise misrepresenting  your affiliation with a person or entity, conducting fraud, hiding or attempting to hide your identity in connection with the Service, including using a temporary email account;  (xiii) interfering with the proper working of the Service; (xiv) accessing any content on  the Service through any technology or means other than those provided or authorized  by the Service; (xv) bypassing the measures we may use to prevent or restrict access to  the Service, including removing, circumventing, disabling or otherwise interfering with  security-related features or features that prevent or restrict use or copying of any  content or enforce limitations on use of the Service or the content of the Service; or  (xvi) deleting any of our copyright and other proprietary rights notices.

vi. Our Proprietary Rights  

Subject to article IV, the Service, and all materials contained in the Service or transferred  to or from the Service, including software, images, text, graphics, illustrations, logos,  patents, trademarks, service marks, copyrights, photographs, audio, videos, music, and  content belonging to other Users (“THORWallet Content”) and all patent rights,  copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade  dress and service mark rights, goodwill, trade secret rights and other intellectual  property rights that may now exist or later come into existence, and any related  applications and registrations, renewals and extensions, under the laws of any  jurisdiction underlying any of the foregoing items (“Intellectual Property Rights”) are  the exclusive property of THORWallet and its licensors. Except as provided in these  Terms or in any other applicable terms, nothing in these Terms will be deemed to create  a license in or under any such Intellectual Property Rights, and you shall not to sell,  license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly  perform, publish, adapt, edit or create derivative works from any THORWallet Content,  without our prior written consent. Use of the THORWallet Content for any purpose not  expressly permitted by these Terms is prohibited. 

vii. Privacy & Security  

THORWallet respects the privacy of its Users and will not request any information  beyond what is necessary for the use of the Service or to comply with our obligations  under applicable law. THORWallet also does not obscure the blockchain information  that it does request or obtain. You acknowledge that due to the inherent transparent  nature of blockchains, Transactions are public and easily correlated. Attempting to  utilize THORWallet to obscure Transactions or assets will be pointless and ineffective,  and is ill-advised. Law enforcement has full access to blockchain information that goes in or out of THORWallet’s system. You acknowledge that THORWallet will comply  willingly with all valid legal requests for information. We reserve the right to provide  information to law enforcement personnel and other third-parties to answer inquiries,  participate in investigations, respond to legal process, respond to the order of a court  of competent jurisdiction and those exercising the court’s authority, and to protect  THORWallet and our Users.

Processing of your personal data by THORWallet is governed by our Privacy Policy.

THORWallet cares about the integrity and security of your personal data, and stores all  personal data provided by Users in an encrypted fashion. However, we cannot warrant  and/or guarantee that unauthorized third-parties will never be able to defeat our  security measures or use your personal data for improper purposes.

viii. No Refunds and Cross-Chain Transactions  

a. No Refunds. You acknowledge that THORWallet does not and cannot issue refunds in connection with any Transaction initiated or completed through any third-party swap or earn provider (including but not limited to THORChain, Maya Protocol, Chainflip, 1inch, or Unizen).

b. Unsupported Digital Assets. Any digital assets that we do not support that are  sent to unrelated or inaccurate wallets through the Service cannot be extracted or  returned.  

c. Cross-Chain Recovery Program. Please use extreme caution when sending digital  assets to THORWallet or the Service and make sure to confirm that you are sending the  correct type of digital asset to the correct address. A transfer of digital assets to  THORWallet that is mistakenly sent to an address of a different digital asset is a “Cross Chain Transaction”. Recovery of Cross-Chain Transactions is a risky and time-consuming  process. The level of complexity and risk depends both on the type of digital asset and  the address used for the Transaction. Not all Cross-Chain Transactions are recoverable,  and digital assets sent to the wrong address are at risk of recovery by bad actors not  associated with THORWallet.

THORWALLET IS NOT RESPONSIBLE OR LIABLE FOR ANY CROSS-CHAIN TRANSACTIONS INITIATED BY YOU OR ANY OTHER USER. If you request assistance in recovering a Cross Chain Transaction, THORWallet may decide in its sole discretion whether to assist or  attempt to recover such Cross-Chain Transaction. There is no time limit for any such  discretionary recovery attempts and THORWallet will not be liable for a failed recovery of any Cross-Chain Transaction. If any such recovery is attempted, THORWallet may  assess you with a fee, communicated to you in advance, that reflects the level of effort  and developer time consumed on the amount or value of the digital asset. You  acknowledge and consent to the assessment of this fee when making any such recovery  request.

If you would like to ask THORWallet to attempt to recover your digital assets from a  Cross-Chain Transaction that you initiated, please reach out to our support team with  the details of the Transaction by emailing our customer support info@thorwallet.org.  THORWallet will evaluate your request and determine in its sole discretion whether to  initiate recovery procedures. You acknowledge that even if THORWallet decides to  attempt a Cross-Chain Transaction recovery on your behalf, we make no warranty  and/or guarantee that any such attempted recovery will ultimately be successful.

ix. THORWallet VISA/MasterCard Card Service

1. THORWallet VISA/Master Card

DeFi Suisse AG offers the THORWallet VISA/MasterCard service, provided in collaboration with Fiat24.com, a third-party provider. By utilizing the THORWallet VISA Card, users can access a range of features and benefits outlined in the service's specific terms and conditions, which can be found at https://docs.fiat24.com/legal/.

2. Relationship with Fiat24

a. DeFi Suisse AG acknowledges that the THORWallet VISA/MasterCard service is provided by Fiat24, a third-party provider. Users of the THORWallet VISA/MasterCard acknowledge and agree that their relationship regarding this service is solely with Fiat24, subject to the terms and conditions established by Fiat24.

b. DeFi Suisse AG is not responsible for any aspect of the VISA/MasterCard service, including but not limited to card issuance, card management, customer support, or any disputes arising from the use of the THORWallet VISA/MasterCard. Users shall direct all inquiries, concerns, or issues related to the THORWallet VISA/MasterCard to Fiat24.

c. THORWallet may earn a referral fee from Fiat24 based on the volume generated by users of the THORWallet VISA/MasterCard.

x. TITN Token  

THORWallet has migrated its previous TGT loyalty token to the TITN token. All references to the TGT token in these Terms have been replaced and superseded by TITN. TITN tokens are governed by their own set of terms and conditions available at: Full Terms & Risks. Please review those terms carefully before acquiring or using TITN. You acknowledge that TITN is a utility token with no intrinsic or guaranteed value and that its functionality may evolve over time. TITN is not intended to function as a security or investment product, and its use does not entitle you to ownership or dividends.

xi. Miscellaneous  

a. Indemnification.

You shall indemnify THORWallet and our agents or licensors, and any employees,  contractors, agents, officers, and directors of THORWallet, our agents or licensors,  against any damages related to your; (i) noncompliance with any part of these Terms,  including any inaccuracies of representations or statements made by you; (ii) your  violation of any third-party right, including any right of privacy or Intellectual Property  Rights; (iii) your violation of any applicable law, rule or regulation; (iv) your willful  misconduct; (v) your use of any access to the Service (including any data or content  transmitted or received by you), or (vi) any other person’s access and use of the Service  with your THORWallet information, unless and to the extent the damages were caused  by gross negligence and/or willful misconduct by THORWallet itself.

b. Limitation of Liability. You acknowledge that except if and to the extent your  damages have been caused by gross negligence and/or unlawful intent of THORWallet  itself or personal injury, THORWallet will not be liable for any damages caused to you related to: (i) any hacking, tampering, or other unauthorized access or use of the  Service, or the personal information; (ii) errors, mistakes, or inaccuracies of content on  the Service; (iii) property damage, of any nature, resulting from your access to or use of  the Service; (iv) any interruption or cessation of transmission to or from the Service; (v)  any bugs, viruses, trojan horses, or the like that may be transmitted to or through the  Service by any third-party; or (vi) the defamatory, offensive, or illegal conduct of any  third-party. The foregoing limitations and exclusions will apply whether the alleged or  actual liability is based on contract, tort, negligence, strict liability, or any other basis,  even if THORWallet has been advised of the possibility of such damage.

The foregoing exclusion of liability is intended to apply to the fullest extent permitted  by law in the applicable jurisdiction. Some jurisdictions do not allow the exclusion or  limitation of incidental or consequential damages or other damages, so the limitations  or exclusions in this section may not apply to you. These Terms give you specific legal  rights, and you may also have other rights which vary from jurisdiction. The disclaimers,  exclusions, and limitations of liability under these Terms will not apply to the extent  prohibited by applicable law.

c. Governing Law. These Terms will be governed by the internal substantive laws of  Switzerland without respect to its conflict of laws principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly  excluded.  

The aforementioned choice of law will not apply if and to the extent mandatory  applicable law provides for otherwise.

d. Amicable solution of disputes. If you have a dispute with THORWallet in  connection with these Terms or your use of the Service, you shall first contact us via email at info@thorwallet.com and attempt to resolve the dispute with us informally.  

e. Arbitration. If you and THORWallet cannot resolve any dispute after 60 days from your initial email notifying us of the dispute (see above lit. d), you and THORWallet each consent that, without prejudice to lit. g below, any dispute, controversy, or claim arising  out of, or in relation to, this Terms, including regarding the validity, invalidity, breach,  or termination thereof, shall be resolved by arbitration in accordance with the Swiss  Rules of International Arbitration of the Swiss Arbitration Centre in force on the date on  which the Notice of Arbitration is submitted in accordance with those Rules.

The number of arbitrators shall be one.  

The seat of the arbitration shall be the city of Zug, Switzerland, unless the parties  agree on a city in another country.  

The arbitral proceedings shall be conducted in English.  

f. Class Action Waiver. You and THORWallet agree that any claims shall be brought only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

g. Place of jurisdiction. If the choice of arbitration set forth in lit. e. above is not valid,  and/or prohibited or otherwise invalid or unenforceable under applicable law, then the  following applies:

Exclusive place of jurisdiction for all and any claims under and in relation with these  Terms is the city of Zug, Switzerland.

The aforementioned exclusive place of jurisdiction will not apply if and to the extent  mandatory applicable law provides for otherwise.

h. Injunctive Measures. Regardless of lit. d., e. and f above, we retain the right to  seek injunctive or other equitable relief in a court of competent jurisdiction to prevent  the actual or threatened infringement, misappropriation, or violation of a our  copyrights, trademarks, trade secrets, patents, or other Intellectual Property Rights,  including any provisional relief required to prevent irreparable harm.

i. Assignment. You shall not assign or transfer these Terms or any rights and  licenses granted under these Terms. Any attempted assignment or transfer in violation  of this section will be void and of no legal effect.

j. Notice. THORWallet may notify you via email, a tangible written notice, or  through posting of such notice on our Website or App or as otherwise deemed  appropriate by THORWallet. THORWallet will not be liable for any damages or delays  caused by any automatic filtering you or your network provider applies to emails.

k. Entire Agreement/Severability. These Terms, together with any additional terms,  amendments, and any additional agreements you may enter into with THORWallet in  connection with the Service, constitute the entire agreement between you and  THORWallet concerning the Service. If any portion of these Terms is deemed invalid by  a court of competent jurisdiction, the invalidity of such portion will not affect the  validity of the remaining provisions of these Terms, which will remain in full force and  effect.

l. No Waiver. No waiver of any term of these Terms will be deemed a further or  continuing waiver of such term or any other term, and THORWallet’s failure to assert  any right or provision under these Terms will not constitute a waiver of such right or  provision.

m. Contact. If you have any questions regarding these Terms, you may contact us  at: info@thorwallet.org, DeFi Suisse AG, Wolleraustrasse 41a,  8807 Freienbach, Switzerland.