Factor Wallet is a decentralized, non-custodial cryptocurrency application that provides users with tools to manage and interact with digital assets. The platform does not hold or transfer fiat currency, nor does it offer financial, investment, or custodial services. Users retain full control and responsibility over their digital assets at all times.

Factor Wallet integrates with regulated third-party service providers, including Paybis and Unlimit, to facilitate the purchase and conversion of cryptocurrencies to and from fiat currencies. These services are provided independently by the respective third-party platforms. Factor Wallet acts solely as a technology interface and does not process, control, or assume responsibility for transactions or compliance obligations managed by those providers.

Access to the Factor Wallet website and application may be subject to legal restrictions in certain jurisdictions. Users who are citizens or residents of countries where the use of decentralized financial tools or crypto-to-fiat services is restricted or regulated —including, but not limited to, the United States— are solely responsible for verifying and complying with all applicable local laws and regulations.

By accessing this website or downloading and using the Factor Wallet app, you confirm that you are not violating the laws of your jurisdiction and that you are solely responsible for legal compliance and any associated risks. Use of the platform is entirely at your own discretion and risk.

Factor Wallet includes a decentralized browser that allows users to access third-party DApps such as PancakeSwap, Uniswap, OpenSea, and others. These decentralized applications are fully independent and are not operated, maintained, or audited by Factor Wallet. Users interact with them at their own discretion and risk.