Terms of Service

These Terms of Service (“Terms”) form a binding agreement between you and the publisher of Mo'Stash (“Mo'Stash”, “we”, “us”), an independent sole proprietor established in France and identified below, and govern your access to and use of the Mo'Stash mobile application and the website mostash.io (together, the “Service”). By downloading, accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. The Service — non-custodial software

Mo'Stash is a non-custodial software interface that lets you create or import a self-hosted wallet and interact with public blockchains and third-party decentralized finance (“DeFi”) protocols. Mo'Stash is not a bank, broker, exchange, custodian, money transmitter or financial institution.

We never take custody of, control, or have access to your crypto-assets, your private keys or your recovery phrase. All transactions are initiated and signed by you, on your device, and broadcast directly to the relevant blockchain. We cannot freeze, reverse, recover or access your assets.

2. Eligibility

You must be at least 18 years old and legally able to enter into these Terms. You may not use the Service if you are located in, or are a resident of, any jurisdiction subject to comprehensive sanctions, or if you appear on any applicable sanctions or restricted-party list. By using the Service you represent that you meet these requirements.

3. Your wallet and your responsibility

Your private keys and recovery phrase are generated and stored only on your device. You are solely responsible for safeguarding them and for all activity carried out through your wallet.

• Loss of your recovery phrase means permanent and irreversible loss of access to your assets. We cannot restore it.
• Blockchain transactions are irreversible once confirmed. We cannot cancel, reverse or refund them.
• You are responsible for verifying transaction details, addresses, amounts and network fees before confirming.

4. No financial advice & assumption of risk

Nothing in the Service constitutes financial, investment, legal or tax advice. Information such as yields, APRs, simulations or opportunities is provided for convenience only, may be inaccurate or delayed, and is not guaranteed. You make your own decisions.

You acknowledge the risks inherent to crypto-assets and DeFi, including but not limited to: price volatility and total loss of value; smart-contract bugs, exploits and hacks; impermanent loss; liquidation of collateralized positions; network congestion and failed transactions; and regulatory uncertainty.

DeFi protocols accessed through the Service (including, for example, Aave, 1inch, Lido, Rocket Pool, Morpho and EigenLayer) are operated by independent third parties, not by Mo'Stash. We do not control them and are not responsible for their performance, security or availability.

5. Subscriptions (Pro)

The core of Mo'Stash is free to use. An optional paid plan unlocks additional features:

• Pro — US$9.99 / month.

Mo'Stash is distributed as a direct Android APK, not through an app store. Subscriptions are billed by card through Stripe, our payment processor, subject to Stripe's terms. Card details are handled by Stripe (a PCI-DSS-certified provider) and are never stored by Mo'Stash. Unless cancelled, subscriptions renew automatically for successive periods, and your payment method is charged at the then-current price. You can cancel at any time; cancellation takes effect at the end of the current billing period. Prices and the features included in each plan may change; we will give reasonable notice of material changes.

6. Acceptable use

You agree not to use the Service to: violate any law or regulation; engage in money laundering, terrorist financing or the evasion of sanctions; infringe the rights of others; or interfere with, reverse-engineer, or gain unauthorized access to the Service or its systems, except to the extent such restriction is prohibited by law.

7. Third-party services

The Service relies on third-party providers (including public RPC node providers, 1inch, LI.FI, Stripe (payment processing), and, where enabled, fiat on-ramp providers). Your use of those services may be subject to their own terms and privacy policies. We are not responsible for third-party services.

8. Intellectual property

The Mo'Stash name, logo, the mascot, the app and the website (excluding third-party and open-source components) are owned by Mo'Stash and protected by applicable laws. These Terms grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose.

9. Disclaimers

The Service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, availability, or that the Service will be uninterrupted, secure or error-free.

10. Limitation of liability

To the maximum extent permitted by law, Mo'Stash and its affiliates will not be liable for any indirect, incidental, special, consequential or exemplary damages, or for any loss of crypto-assets, profits, data or goodwill, arising out of or relating to your use of (or inability to use) the Service. To the extent liability cannot be excluded, our aggregate liability is limited to the greater of the amount you paid us for the Service in the 12 months preceding the claim, or US$100.

11. Indemnification

You agree to indemnify and hold harmless Mo'Stash and its affiliates from any claims, damages, losses and expenses (including reasonable legal fees) arising out of your use of the Service, your violation of these Terms, or your violation of any law or third-party right.

12. Termination

You may stop using the Service at any time by uninstalling the app. We may suspend or terminate access to the Service (or any feature) at any time, with or without notice, including for breach of these Terms. Because the Service is non-custodial, your assets always remain accessible through your recovery phrase, independently of Mo'Stash.

13. Changes to these Terms

We may update these Terms from time to time. Material changes will be notified through the Service or the website. Your continued use after changes take effect constitutes acceptance of the revised Terms.

14. Governing law

These Terms are governed by French law. In the event of a dispute, the parties will first seek an amicable resolution; failing that, the competent French courts will have jurisdiction — subject to any mandatory consumer-protection rights you may have in your country of residence.

15. Contact

Questions about these Terms? Contact us at support@mostash.io.

Mo'Stash is non-custodial: your keys and your assets are yours alone. These Terms describe the software we provide — not a custody, brokerage or advisory relationship.