Terms of Service

1. Introduction and Acceptance

These Terms of Service ("Terms") constitute a legal agreement between you ("User," "you," or "your") and InFlux Technologies Limited, a company incorporated in the United Kingdom ("Company," "we," "us," or "our"), governing your use of the entire SSP Wallet ecosystem, including but not limited to:

• SSP Wallet Websites: sspwallet.io, sspwallet.com, and related web properties
• SSP Wallet Browser Extension: Chrome, Firefox, and other browser wallet applications
• SSP Key Mobile Applications: iOS and Android companion apps for transaction approval
• SSP Relay Service: Communication infrastructure enabling device synchronization
• Documentation and Support: docs.sspwallet.io and related educational resources
• APIs and SDKs: Developer tools and integration services (collectively, the "Services")

By downloading, installing, accessing, or using any part of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, do not use the Services.

2. Service Description and Nature

2.1 Self-Custody Wallet System

SSP Wallet is a self-custody cryptocurrency wallet that implements a 2-of-2 multisignature system requiring two separate devices (browser and mobile) to authorize transactions. Key characteristics include:

• Non-Custodial: We never have access to, control over, or responsibility for your cryptocurrency assets
• Open Source: All software is licensed under AGPL-3.0 and publicly auditable
• Self-Hosted: Users maintain complete control over their private keys and seed phrases
• Communication Facilitator: Our relay service only facilitates secure communication between your devices

2.2 Technical Architecture

The Services operate using the following technical framework:

• BIP48 Key Derivation: Industry-standard hierarchical deterministic key generation
• AES-GCM Encryption: Military-grade encryption for local data storage
• Device Fingerprinting: Additional security layer using device-specific characteristics
• Temporary Relay Storage: Communication data automatically deleted within 15 minutes

3. User Responsibilities and Obligations

3.1 Complete Self-Custody Responsibility

As a self-custody wallet user, you acknowledge and accept complete responsibility for:

• Seed Phrase Security: Securing, backing up, and never sharing your 24-word seed phrases for both wallet and key
• Password Protection: Creating and maintaining strong, unique passwords for wallet encryption
• Device Security: Protecting both browser and mobile devices from unauthorized access, malware, and physical theft
• Transaction Verification: Carefully reviewing all transaction details before approval
• Backup Maintenance: Creating and securely storing multiple backups of your seed phrases
• Loss Prevention: Understanding that lost seed phrases or passwords cannot be recovered by us

3.2 Prohibited Uses

You agree not to use the Services for:

• Any illegal activities or violation of applicable laws and regulations
• Money laundering, terrorist financing, or other criminal activities
• Activities that would violate sanctions or export control laws
• Attempting to reverse engineer, decompile, or exploit vulnerabilities in the Services
• Using the Services in jurisdictions where cryptocurrency use is prohibited
• Creating multiple accounts to circumvent any limitations or restrictions

3.3 Compliance with Laws

You are solely responsible for compliance with all applicable laws in your jurisdiction, including but not limited to:

• Tax reporting and payment obligations
• Anti-money laundering (AML) and know your customer (KYC) requirements
• Securities and commodities regulations
• Consumer protection laws

4. Service Provision and Availability

4.1 Service Availability

While we strive to maintain service availability, we do not guarantee:

• Uninterrupted access to relay services
• Compatibility with all devices, browsers, or operating systems
• Availability in all jurisdictions
• Continued operation of third-party blockchain networks

4.2 Third-Party Dependencies

The Services integrate with third-party services and networks, including:

• Blockchain Networks: Bitcoin, Ethereum, and other supported blockchains
• RPC Providers: Third-party node providers for blockchain interaction
• Onramper: Fiat on/off-ramp services (subject to their terms)
• WalletConnect: dApp connection protocol
• App Stores: Apple App Store and Google Play Store distribution

We are not responsible for the availability, security, or functionality of these third-party services and accept no liability for any losses arising from their use, failure, or compromise.

5. Open Source License and Intellectual Property

5.1 AGPL-3.0 License

SSP Wallet software is licensed under the GNU Affero General Public License v3.0 (AGPL-3.0). This means:

• You have the right to use, modify, and distribute the software
• Any modifications must also be made available under AGPL-3.0
• Network use triggers copyleft obligations
• Source code must remain publicly available

5.2 Trademarks and Branding

"SSP Wallet," "SSP Key," related logos, and branding elements are trademarks of InFlux Technologies Limited. The open source license does not grant rights to use our trademarks without permission.

6. Wallet-Specific Terms and Self-Custody Responsibilities

6.1 Self-Custody Responsibility

SSP Wallet is a self-custody cryptocurrency wallet. You are entirely responsible for managing and securing your seed phrases, wallet addresses, and digital assets. We do not store, manage, or have access to your seed phrases, passwords, or private keys. Any loss, compromise, or unauthorized access to your wallet is solely your responsibility.

Critical Warning: If you lose your seed phrase or password, we cannot assist in recovering your assets. It is critical that you securely store your seed phrase in a safe and offline location.

6.2 Third-Party Services and Integrations

SSP Wallet provides access to third-party services, including but not limited to:

• Cryptocurrency swaps and exchanges (including QuickSwap and other decentralized exchange solutions)
• Onramp and offramp services for purchasing and selling cryptocurrencies
• Integration with decentralized applications (DApps)
• WalletConnect protocol for dApp connections

These services are operated by independent providers. We do not control, endorse, or guarantee their availability, functionality, or security. When using third-party services, their respective terms and conditions apply. SSP Wallet is not liable for any loss, errors, or security breaches resulting from these services.

6.3 Cryptocurrency Swapping Services

SSP Wallet integrates QuickSwap and other decentralized exchange (DEX) solutions to allow users to swap cryptocurrencies. However, all swaps are executed on third-party platforms, and SSP Wallet does not facilitate or process the transactions directly.

6.4 Purchasing and Selling Cryptocurrencies

SSP Wallet provides access to third-party cryptocurrency onramp and offramp services through integration with Onramper and other providers. These services are provided by independent financial institutions, payment processors, and cryptocurrency exchanges.

Purchasing Cryptocurrencies:

• Transactions are processed through third-party providers, not SSP Wallet
• Payment methods, fees, and exchange rates vary depending on the provider
• Users must complete identity verification (KYC) as required by third-party providers
• SSP Wallet does not guarantee the availability, speed, or security of these services

Selling Cryptocurrencies:

• Cryptocurrency sales are processed through third-party offramp providers
• Settlement times and payout methods depend on the service provider
• Floating rates may apply, meaning the final amount received may differ from the quoted price
• Fees may apply and vary based on market conditions and third-party policies

6.5 Transaction Accuracy and Blockchain Data

The transaction history and balance displayed in SSP Wallet may not always reflect real-time blockchain data due to:

• Blockchain confirmation delays
• API errors from third-party providers
• Market fluctuations affecting exchange rates
• Network congestion or RPC provider issues

Users should verify important transactions using blockchain explorers or other trusted sources.

7. No Liability for Trading and Transaction Discrepancies

SSP Wallet is not responsible for any losses, discrepancies, or issues related to cryptocurrency transactions, including but not limited to:

• Loss of funds due to bugs, technical errors, or issues with third-party services
• Inaccuracies in displayed balances or transaction statuses caused by network congestion, API errors, or service delays
• Discrepancies between quoted and actual exchange rates due to floating-rate fluctuations in swap and trading services
• Loss of funds due to incorrect addresses or unauthorized transactions
• Slippage in cryptocurrency swaps resulting in different amounts than initially displayed
• Failed transactions or delayed confirmations due to blockchain network issues
• Price movements during transaction processing that affect final amounts received

8. Third-Party Service Support and Responsibility

SSP Wallet integrates with numerous third-party services to provide enhanced functionality. However, we explicitly disclaim responsibility for these services:

• No technical support: SSP Wallet does not provide technical support for third-party services
• Direct contact required: If you encounter issues with integrated services, you must contact the respective service provider for assistance
• No dispute resolution: We are not responsible for troubleshooting or dispute resolution with third-party providers
• Service availability: Third-party services may become unavailable, discontinued, or change their terms without notice
• Data handling: Third-party services may collect data in accordance with their own privacy policies

You are responsible for reviewing the privacy terms and conditions of any third-party service you use through SSP Wallet.

9. Cryptocurrency and Technology Risk Disclosures

6.1 Cryptocurrency Risks

You acknowledge and accept the following risks associated with cryptocurrency use:

• Volatility: Cryptocurrency values can fluctuate dramatically
• Irreversibility: Blockchain transactions cannot be reversed
• Regulatory Risk: Laws may change affecting cryptocurrency legality or taxation
• Technical Risk: Software bugs, network forks, or protocol changes may cause losses
• Liquidity Risk: Markets may become illiquid, preventing asset conversion
• Counterparty Risk: Third-party services may fail, be hacked, or cease operations

10. Security Best Practices and User Obligations

To protect your digital assets and maintain account security, we strongly recommend following these security best practices:

• Securely store your seed phrases offline in multiple safe locations, never on internet-connected devices
• Be cautious of phishing attempts and scams - always verify URLs and never enter your seed phrase on suspicious websites
• Keep your wallet software updated to the latest version to benefit from security improvements
• Use strong, unique passwords for wallet encryption and avoid reusing passwords from other services
• Verify transaction details carefully before confirming any cryptocurrency transaction
• Be aware of social engineering attacks - we will never ask for your seed phrase or private keys

11. Legal Compliance and Tax Obligations

11.1 Compliance with Local Laws

Users are entirely responsible for ensuring that their use of SSP Wallet complies with all applicable laws and regulations in their jurisdiction. This includes but is not limited to:

• Cryptocurrency trading and holding regulations
• Anti-money laundering (AML) requirements
• Know Your Customer (KYC) obligations
• Financial services regulations
• Import/export restrictions on cryptographic software

We do not guarantee that our services are legal or available in all locations. Users in restricted jurisdictions use the Services at their own risk.

11.2 Tax and Reporting Obligations

You are solely responsible for determining and fulfilling any tax obligations arising from cryptocurrency transactions. This includes:

• Calculating and reporting capital gains or losses
• Maintaining accurate records of all transactions
• Filing required tax returns and forms
• Paying any taxes owed on cryptocurrency activities

Important: SSP Wallet does not provide tax, legal, financial, or investment advice. We do not provide market predictions, financial planning services, or investment recommendations. Consult with qualified professionals regarding your specific obligations.

12. Enhanced Warranties Disclaimer

SSP Wallet and all associated services are provided "as-is" and "as-available" without warranties of any kind, express, implied, or statutory. We specifically disclaim and do not guarantee:

• Accuracy or completeness of displayed balances, transaction history, or market data
• Security or uninterrupted operation of our platform or third-party services
• Compatibility with all devices, browsers, or operating systems
• Availability of third-party services including swaps, onramps, or dApp integrations
• Real-time accuracy of exchange rates, gas fees, or transaction estimates
• Successful completion of any cryptocurrency transaction
• Protection against market volatility, slippage, or price movements

13. Limitation of Liability and Disclaimers

13.1 Complete Disclaimer of Warranties and Liability

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, UNINTERRUPTED OPERATION, SECURITY, ACCURACY, OR PROTECTION AGAINST LOSS OF CRYPTOCURRENCY OR DIGITAL ASSETS.

WE EXPRESSLY DISCLAIM ALL LIABILITY AND RESPONSIBILITY FOR ANY DAMAGES, LOSSES, OR HARM ARISING FROM YOUR USE OF THE SERVICES.

13.2 Complete Exclusion of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INFLUX TECHNOLOGIES LIMITED, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, AND AFFILIATES SHALL HAVE ABSOLUTELY NO LIABILITY WHATSOEVER FOR ANY DAMAGES, LOSSES, CLAIMS, OR HARM OF ANY KIND, INCLUDING BUT NOT LIMITED TO:

• LOSS OF CRYPTOCURRENCY, DIGITAL ASSETS, OR FUNDS OF ANY KIND
• DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOST PROFITS, REVENUE, BUSINESS OPPORTUNITIES, OR EXPECTED SAVINGS
• DATA LOSS, CORRUPTION, OR UNAUTHORIZED ACCESS
• BUSINESS INTERRUPTION, SYSTEM DOWNTIME, OR SERVICE UNAVAILABILITY
• THIRD-PARTY ACTIONS, BLOCKCHAIN NETWORK ISSUES, OR PROTOCOL FAILURES
• HACKING, THEFT, FRAUD, OR OTHER SECURITY BREACHES
• SOFTWARE BUGS, ERRORS, OR VULNERABILITIES
• USER ERROR, NEGLIGENCE, OR MISUSE OF THE SERVICES
• REGULATORY CHANGES OR LEGAL RESTRICTIONS
• LOSS OF PRIVATE KEYS, SEED PHRASES, OR PASSWORDS
• ANY OTHER LOSS OR DAMAGE WHATSOEVER

THIS EXCLUSION APPLIES REGARDLESS OF THE LEGAL THEORY ON WHICH ANY CLAIM IS BASED, INCLUDING CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.3 No Liability Under Any Circumstances

NOTWITHSTANDING ANY OTHER PROVISION IN THESE TERMS, AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INFLUX TECHNOLOGIES LIMITED AND ITS AFFILIATES SHALL HAVE NO LIABILITY WHATSOEVER FOR ANY CLAIMS, DAMAGES, LOSSES, OR HARM ARISING FROM OR RELATED TO THE SERVICES. IN JURISDICTIONS WHERE LIABILITY CANNOT BE COMPLETELY EXCLUDED, OUR TOTAL LIABILITY SHALL BE LIMITED TO THE MINIMUM AMOUNT PERMITTED BY LAW.

YOU ACKNOWLEDGE AND AGREE THAT YOU USE THE SERVICES ENTIRELY AT YOUR OWN RISK AND THAT WE BEAR NO RESPONSIBILITY FOR ANY CONSEQUENCES OF YOUR USE.

14. Indemnification

You agree to indemnify, defend, and hold harmless InFlux Technologies Limited and its officers, directors, employees, and affiliates from and against any claims, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Services
• Your violation of these Terms or applicable laws
• Your cryptocurrency transactions or activities
• Loss or theft of your devices, seed phrases, or passwords
• Claims by third parties related to your use of the Services

15. Privacy and Data Protection

Our collection and use of information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Key privacy principles include:

• Minimal data collection (no private keys, seed phrases, or personal information)
• Temporary storage (relay data deleted within 15 minutes)
• Local encryption using AES-GCM and PBKDF2
• No tracking or behavioral analytics
• Transparent open source code

16. Dispute Resolution

16.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

16.2 Jurisdiction

Any disputes arising from these Terms or your use of the Services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16.3 Alternative Dispute Resolution

Before initiating formal legal proceedings, parties agree to attempt resolution through good faith negotiations for a period of 30 days.

17. Service Modifications and Termination

17.1 Right to Modify

We reserve the right to modify, suspend, or discontinue any part of the Services at any time, with or without notice. However, as open source software, you may continue using existing versions.

17.2 User Termination

You may stop using the Services at any time by uninstalling the applications and ceasing to access our websites. Your locally stored wallet data will remain under your control.

17.3 Effect of Termination

Upon termination of your use:

• Your access to relay services will cease
• Local wallet data remains under your control
• Open source license rights continue per AGPL-3.0
• Provisions regarding liability and indemnification survive

18. Age Restrictions and Capacity

The Services are not intended for use by individuals under 18 years of age. By using the Services, you represent and warrant that you:

• Are at least 18 years old (or the age of majority in your jurisdiction)
• Have the legal capacity to enter into these Terms
• Are not prohibited from using the Services under applicable laws
• Will use the Services in compliance with all applicable laws

19. Updates to Terms

We may update these Terms periodically to reflect changes in our services, legal requirements, or business practices. Material changes will be communicated through:

• Prominent notice on our website
• In-application notifications
• Updated version date at the top of these Terms

Continued use of the Services after changes constitute acceptance of the updated Terms.

20. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect. These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and InFlux Technologies Limited regarding the Services.

21. Contact Information

For questions about these Terms of Service, please contact:

For technical support, please use our support system at sspwallet.io/support