Terms of Use & EULA

You and we acknowledge that these Terms are concluded between you and the Application Provider only, and not with Apple. The Application Provider, not Apple, is solely responsible for the Licensed Application and the content thereof. These Terms may not provide for usage rules for the Licensed Application that conflict with the Apple Media Services Terms and Conditions; in the event of any conflict, those Apple terms will control to the extent required.

The Application Provider grants you a non-transferable license to use the Licensed Application on any Apple-branded products that you own or control and as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions. The license is limited to use of the Licensed Application on Apple-branded products and may be accessed by other accounts associated with the purchaser via Apple's Family Sharing where applicable. You may not distribute or make the Licensed Application available over a network where it could be used by multiple devices at the same time, transfer, redistribute, sublicense, lease, rent, lend, sell, or otherwise commercialize the Licensed Application, or copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the Licensed Application, any updates, or any part thereof (except as and only to the extent that any foregoing restriction is prohibited by applicable law or to the extent permitted by the licensing terms governing any open-source components included with the Licensed Application). Any attempt to do so is a violation of the rights of the Application Provider and its licensors. If you breach these restrictions, you may be subject to prosecution and damages.

The Application Provider is solely responsible for providing any maintenance and support services with respect to the Licensed Application, as specified in these Terms or as required under applicable law. You and we acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Licensed Application. Support requests should be sent to support@xvault.app.

The Application Provider is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the Licensed Application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the Licensed Application to you; and to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Licensed Application. Any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be the sole responsibility of the Application Provider.

You and we acknowledge that the Application Provider, not Apple, is responsible for addressing any claims by you or any third party relating to the Licensed Application or your possession and/or use of it, including, but not limited to: (i) product liability claims; (ii) any claim that the Licensed Application fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation, including in connection with use of HealthKit or HomeKit frameworks (not applicable to XVault).

You and we acknowledge that, in the event of any third-party claim that the Licensed Application or your possession and use of the Licensed Application infringes that third party's intellectual property rights, the Application Provider, and not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.

You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

For direct questions, complaints, or claims with respect to the Licensed Application, please contact: XVault, legal@xvault.app. Our registered business name and address will be provided upon request to satisfy consumer-protection inquiries.

You must comply with applicable third-party terms when using the Licensed Application, including terms of the XRP Ledger network operators, market data providers referenced in the App's "About" screen, and the Apple Media Services Terms and Conditions.

You and we acknowledge and agree that Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, 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 against you as a third-party beneficiary thereof.

XVault is a self-custody, non-custodial software wallet for XRP and the XRP Ledger. Keys are generated and stored locally on your device. The Application Provider does not have custody of your funds, cannot access your wallet, cannot reset your recovery phrase, and cannot reverse, cancel, or recover transactions on your behalf. Blockchain transactions are irreversible.

• You are solely responsible for safely backing up your recovery phrase, family seed, or private keys. If lost, your funds cannot be recovered by anyone, including us.
• You are responsible for the security of your device, passcode, and biometrics.
• You are responsible for verifying transaction details, recipient addresses, destination tags, trustlines, and token issuers before signing.
• You are responsible for complying with the laws and tax obligations of your jurisdiction.

The Licensed Application provides software for managing digital assets and does not provide financial, investment, legal, accounting, or tax advice. Market data is provided "as is" for informational purposes and may be inaccurate or delayed.

Holding and transacting in digital assets involves significant risk, including total loss. Risks include price volatility, regulatory change, software bugs, phishing, social engineering, loss or theft of your device, loss of your recovery phrase, network congestion or failure, and risks associated with third-party tokens and issuers.

• Do not use the Licensed Application for any unlawful activity, including money laundering, sanctions evasion, fraud, or financing of illegal activity.
• Do not attempt to disrupt, attack, or gain unauthorized access to the Licensed Application, its users, or related services.
• Do not use the Licensed Application where doing so would be illegal in your jurisdiction.

We do not charge fees for use of the Licensed Application itself. You are responsible for any XRP Ledger network fees and any fees charged by third parties.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE LICENSED APPLICATION IS PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, AND THE APPLICATION PROVIDER HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO THE LICENSED APPLICATION, EITHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES AND/OR CONDITIONS OF MERCHANTABILITY, OF SATISFACTORY QUALITY, OF FITNESS FOR A PARTICULAR PURPOSE, OF ACCURACY, OF QUIET ENJOYMENT, AND OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS.

TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT SHALL THE APPLICATION PROVIDER BE LIABLE FOR PERSONAL INJURY OR ANY INCIDENTAL, SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, LOSS OF KEYS OR FUNDS, BUSINESS INTERRUPTION, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE LICENSED APPLICATION. THE APPLICATION PROVIDER'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100). Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so this limitation may not apply to you.

You agree to indemnify and hold harmless the Application Provider from any claims, damages, liabilities, and expenses arising from your use of the Licensed Application, your violation of these Terms, or your violation of any law or third-party right.

XVault is an independent, self-custody wallet. It is not affiliated with, endorsed by, or sponsored by Ripple Labs Inc., the XRP Ledger Foundation, or any other official XRP or XRP Ledger organization. XRP and the XRP Ledger are open and decentralized technologies.

This license is effective until terminated by you or the Application Provider. Your rights under this license will terminate automatically without notice if you fail to comply with any of its terms. Upon termination, you must cease all use of the Licensed Application and destroy all copies. Sections that by their nature should survive termination will survive.

We may update these Terms from time to time. When we do, we will update the "Effective date" and "Last updated" above. Continued use of the Licensed Application after changes means you accept the updated Terms.

Except to the extent expressly provided in the following paragraph, these Terms and the relationship between you and the Application Provider, and all transactions on the Licensed Application, shall be governed by the laws of the jurisdiction in which the Application Provider is established, without regard to its conflict of law provisions. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

If (a) you are not a U.S. citizen; (b) you do not reside in the U.S.; (c) you are not accessing the Service from the U.S.; and (d) you are a citizen of one of the countries identified below, you hereby agree that any dispute or claim arising from your use of the Service shall be governed by the applicable law set forth below, without regard to any conflict of law provisions, and you hereby submit to the non-exclusive jurisdiction of the courts located in the state, province or country identified below whose law governs: France — French law and the French courts; Germany — German law and the Munich courts; Japan — Japanese law and the Tokyo District Court; United Kingdom — English law and the English courts. Nothing in this section limits any mandatory consumer-protection rights you have under the law of your country of residence.

Questions about these Terms? Contact us at legal@xvault.app.