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Terms of Service

Last Updated: April 2026

Table of Contents

  • 1. Acceptance of Terms
  • 2. Description of Services
  • 3. Eligibility
  • 4. Account Registration & Security
  • 5. Prohibited Uses
  • 6. Transaction Processing
  • 7. Fees & Charges
  • 8. Intellectual Property
  • 9. Disclaimers & Limitations
  • 10. Indemnification
  • 11. Governing Law
  • 12. Changes to Terms

1. Acceptance of Terms

By accessing, using, or maintaining an account with VaultX (the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you may not use the Service. Your continued use of the Service following any changes to these Terms constitutes your acceptance of such changes.

2. Description of Services

VaultX provides a cryptocurrency wallet and exchange platform that allows users to:

  • Create and manage cryptocurrency wallets across multiple blockchain networks
  • Send, receive, and store digital assets in a self-custodial manner
  • Execute peer-to-peer cryptocurrency swaps and exchanges
  • Access real-time market data and portfolio analytics
  • Manage account security through multi-factor authentication and encryption

VaultX is a non-custodial wallet service. Users maintain full control of their private keys and digital assets at all times. VaultX does not hold, control, or have access to user funds.

3. Eligibility Requirements

Age Requirement

You must be at least 18 years of age (or the legal age of majority in your jurisdiction) to use VaultX. By using the Service, you represent and warrant that you meet this requirement.

Geographic Restrictions

VaultX services are restricted in certain jurisdictions. You may not access or use the Service if you are a resident of or located in the following countries or territories:

  • United States of America
  • Iran
  • North Korea
  • Syria
  • Crimea
  • Any other jurisdiction designated by the United States Office of Foreign Assets Control (OFAC)

You certify that you are not on any international sanctions lists, including the OFAC Specially Designated Nationals (SDN) list or similar lists maintained by other governments.

Sanctions and Restricted Persons

You agree that you will not use VaultX if you are a target of economic or trade sanctions, a politically exposed person (PEP), or located in a country or territory subject to comprehensive sanctions.

4. Account Registration & Security

Account Creation

To access certain features of VaultX, you must create an account. You agree to provide accurate, complete, and current information during registration and to maintain the accuracy of such information.

Password & Security

You are responsible for maintaining the confidentiality of your password and account credentials. You agree to accept responsibility for all activities that occur under your account. You must notify VaultX immediately of any unauthorized use of your account.

Backup & Recovery

Your private keys and recovery phrases are your responsibility. VaultX cannot recover lost keys or restore accounts if you lose access credentials. We recommend securely backing up your recovery phrase in a physically secure location.

Important: VaultX employees will never ask for your private keys, recovery phrases, or passwords. Anyone requesting this information is attempting to steal your funds.

5. Prohibited Uses

You agree that you will not use VaultX for any of the following prohibited activities:

  • Money Laundering: Converting illegally obtained funds into seemingly legitimate sources
  • Fraud: Deceiving others for financial gain or unauthorized access to accounts
  • Sanctions Evasion: Attempting to evade international economic or trade sanctions
  • Terrorist Financing: Providing funds or services to support designated terrorist organizations
  • Market Manipulation: Engaging in pump-and-dump schemes, spoofing, or layering
  • Ransomware Payments: Transferring funds derived from or related to ransomware attacks
  • Drug Trafficking: Facilitating the sale or distribution of illegal substances
  • Cybercrime: Using the Service to support hacking, identity theft, or other cybercrimes
  • Illegal Gambling: Facilitating illegal gambling operations
  • Violating Terms: Attempting to circumvent VaultX's security or terms through technical means

Violation of these prohibited uses may result in immediate account suspension, asset freezing, and referral to law enforcement authorities.

6. Transaction Processing

Manual Processing

All transactions on VaultX are processed manually by our administrative team to ensure compliance with anti-money laundering (AML) regulations and know-your-customer (KYC) requirements. Transactions are not automatic or instantaneous.

Processing Times

Standard transaction processing times are as follows:

  • Wallet-to-wallet transfers: 1-3 business days
  • Cryptocurrency swaps: 2-4 business days
  • Deposit confirmation: 1-2 business days
  • Withdrawal requests: 2-5 business days

Processing times may be extended if additional verification or investigation is required. You will be notified of any delays exceeding 5 business days.

Transaction Reversal

Once a transaction has been confirmed and broadcast to the blockchain, it cannot be reversed. VaultX cannot recover funds sent to incorrect addresses or as a result of user error.

Blockchain Confirmation

Your transaction is not complete until it has been confirmed by the relevant blockchain network. Network confirmation times vary by blockchain and current network conditions (typically 10 minutes to 1 hour for Ethereum, 10 minutes for Bitcoin).

7. Fees & Charges

Fee Structure

  • Cryptocurrency Swaps: 0.25% of transaction value
  • Deposits: No fee (deposits are free)
  • Withdrawals: No VaultX fee (blockchain network fees apply)
  • Network Fees: Blockchain-dependent (paid to miners/validators, not to VaultX)

Network Fees

You are responsible for paying all blockchain network fees (also called "gas fees"). These fees are determined by the blockchain network and are not controlled by VaultX. Network fees will be estimated at the time of transaction and may vary based on network congestion.

Fee Changes

VaultX reserves the right to modify its fee structure with 14 days' notice. Continued use of the Service following notice of fee changes constitutes acceptance of the new fees.

8. Intellectual Property

All content, code, designs, graphics, logos, and other materials on VaultX (collectively, "Content") are owned by or licensed to VaultX and are protected by international copyright and intellectual property laws.

You may not reproduce, distribute, transmit, display, or perform the Content without VaultX's prior written permission. You grant VaultX a worldwide, non-exclusive license to use any feedback, suggestions, or comments you provide.

9. Disclaimers & Limitation of Liability

Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. VAULTX MAKES NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SERVICE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Cryptocurrency Volatility

You acknowledge that cryptocurrency markets are highly volatile. The value of any digital asset can decline rapidly and unexpectedly. You may lose your entire investment. Past performance is not indicative of future results.

No Investment Advice

VaultX provides market data and analytics for informational purposes only. VaultX does not provide investment, financial, or legal advice. You should consult with qualified professionals before making investment decisions.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VAULTX SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR ANTICIPATED SAVINGS, EVEN IF VAULTX HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

VAULTX'S TOTAL LIABILITY FOR ANY CLAIM OR CAUSE OF ACTION SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO VAULTX IN THE 12 MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to indemnify, defend, and hold harmless VaultX and its officers, directors, employees, and agents from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

  • Your violation of these Terms
  • Your use of the Service in violation of applicable law
  • Your infringement of any third-party intellectual property rights
  • Your provision of false or fraudulent information
  • Unauthorized use of your account
  • Your violation of the prohibited uses section

11. Governing Law & Dispute Resolution

Governing Law

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which VaultX is incorporated, without regard to its conflict of law principles. VaultX operates in and maintains regulatory compliance with applicable cryptocurrency and financial services laws in multiple jurisdictions.

Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall first be subject to good-faith negotiation between the parties. If negotiation fails, disputes will be resolved through binding arbitration conducted in English, except where prohibited by law.

Legal Process

VaultX complies with all valid legal requests from authorized government agencies, law enforcement, and regulatory bodies. VaultX may be required to disclose account information, transaction records, and user data in response to court orders, subpoenas, or regulatory investigations.

12. Changes to Terms

VaultX reserves the right to modify these Terms at any time. Material changes will be communicated to you via email to the address associated with your account, or through a prominent notice on the Service. Your continued use of VaultX following notice of changes constitutes your acceptance of the modified Terms.

Contact Information

For questions regarding these Terms, please contact:

VaultX Legal Department
Email: legal@vaultx.io
Address: VaultX Inc., 123 Blockchain Avenue, San Francisco, CA 94105, USA

Last Updated: April 2026

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