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Terms of Service

Last Updated: December 25, 2025

1. Agreement to Terms

By accessing or using Sawa Wallet ("the Service," "we," "us," or "our"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using the Service.

2. Description of Service

2.1 What Sawa Wallet Does

Sawa Wallet is a non-custodial cryptocurrency wallet platform that provides:

  • Digital wallet infrastructure for USDC cryptocurrency on the Solana blockchain
  • Peer-to-peer transfer services using phone number identifiers
  • Local currency quotation system for simplified transactions
  • Gateway to decentralized finance (DeFi) protocols
  • Access to staking and liquidity pool opportunities
  • Cross-border payment capabilities

2.2 What Sawa Wallet Does NOT Do

  • We do not hold, custody, or control your cryptocurrency assets
  • We do not provide financial, investment, or tax advice
  • We do not guarantee any specific returns or profits
  • We are not a bank or financial institution
  • We do not execute trades or transactions on your behalf

3. No Guarantee of Profits

⚠️ IMPORTANT DISCLAIMER

  • No Profit Guarantees: Sawa Wallet makes no representations, warranties, or guarantees regarding profits, returns, or financial gains from using our services.
  • Investment Risk: Cryptocurrency investments and DeFi activities carry significant risks, including potential loss of all invested capital.
  • Market Volatility: Cryptocurrency prices are highly volatile and can fluctuate dramatically in short periods.
  • Your Responsibility: You are solely responsible for all investment decisions and their outcomes.
  • No Financial Advice: Nothing in our Service constitutes financial, investment, legal, or tax advice.
  • Past Performance: Past performance of any assets or strategies does not guarantee future results.

By using Sawa Wallet, you acknowledge that you understand these risks and agree to conduct your own research and due diligence before making any financial decisions.

4. Eligibility

To use Sawa Wallet, you must:

  • Be at least 18 years of age
  • Have the legal capacity to enter into binding contracts
  • Not be located in a jurisdiction where use of our Service is prohibited
  • Comply with all applicable laws and regulations in your jurisdiction
  • Provide accurate and complete information during registration

5. User Responsibilities

As a user of Sawa Wallet, you agree to:

  • Maintain the security of your account and private keys
  • Keep your device and app updated with the latest security patches
  • Not share your account credentials with anyone
  • Immediately notify us of any unauthorized access or security breach
  • Use the Service only for lawful purposes
  • Not engage in fraudulent, abusive, or illegal activities
  • Comply with all applicable laws regarding cryptocurrency and financial transactions
  • Pay all applicable fees and taxes related to your transactions

6. Private Keys and Account Recovery

Critical: Sawa Wallet is a non-custodial wallet. This means:

  • You have complete control over your private keys and assets
  • We cannot access, freeze, or recover your funds
  • If you lose your recovery phrase or private keys, your funds may be permanently inaccessible
  • We cannot reset your password or provide account recovery if you lose your credentials
  • You are solely responsible for backing up your recovery phrase securely

7. Fees and Payments

Sawa Wallet may charge fees for certain services:

  • Transaction Fees: Network fees required by the Solana blockchain (gas fees)
  • Service Fees: Optional fees for premium features or expedited services
  • DeFi Protocol Fees: Fees charged by third-party DeFi protocols (not controlled by us)

All fees will be clearly displayed before you confirm any transaction. Fees are subject to change with reasonable notice.

8. Prohibited Activities

You may not use Sawa Wallet to:

  • Engage in money laundering, terrorist financing, or other illegal activities
  • Violate any applicable laws, regulations, or third-party rights
  • Interfere with or disrupt the Service or its infrastructure
  • Attempt to gain unauthorized access to other users' accounts
  • Use the Service for fraudulent or deceptive purposes
  • Transmit viruses, malware, or other harmful code
  • Scrape, harvest, or collect user data without permission
  • Impersonate another person or entity

9. Intellectual Property

All content, features, and functionality of Sawa Wallet, including but not limited to text, graphics, logos, and software, are owned by Sawa Wallet and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

10. Third-Party Services and Links

Sawa Wallet may integrate with or provide links to third-party DeFi protocols, exchanges, and services. We are not responsible for the content, accuracy, or practices of these third-party services. Your use of third-party services is at your own risk and subject to their respective terms and conditions.

11. Disclaimers and Limitations of Liability

11.1 Service Provided "As Is"

Sawa Wallet is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

11.2 Limitation of Liability

To the maximum extent permitted by law, Sawa Wallet and its affiliates shall not be liable for:

  • Loss of funds due to market fluctuations or investment decisions
  • Unauthorized access to your account due to loss of private keys
  • Service interruptions, bugs, or technical issues
  • Actions or omissions of third-party services or DeFi protocols
  • Changes in cryptocurrency regulations or laws
  • Blockchain network failures or disruptions
  • Any indirect, incidental, consequential, or punitive damages

12. Indemnification

You agree to indemnify and hold harmless Sawa Wallet, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

13. Termination

We reserve the right to suspend or terminate your access to Sawa Wallet at any time, with or without notice, for:

  • Violation of these Terms of Service
  • Fraudulent or illegal activity
  • Risk to security or integrity of the Service
  • Compliance with legal or regulatory requirements

You may stop using the Service at any time. Termination does not affect your ownership of cryptocurrency in your wallet.

14. Changes to Terms

We may update these Terms of Service from time to time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of Sawa Wallet after changes become effective constitutes acceptance of the revised Terms.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from these Terms or your use of Sawa Wallet shall be resolved through binding arbitration, except where prohibited by law.

You agree to waive any right to a jury trial or to participate in a class action lawsuit against Sawa Wallet.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17. Contact Information

If you have questions or concerns about these Terms of Service, please contact us:

Email: legal@sawawallet.com

Support: support@sawawallet.com

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Acknowledgment

By using Sawa Wallet, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. You also acknowledge that cryptocurrency investments carry significant risks and that Sawa Wallet makes no guarantees regarding profits or returns.