Welcome to Factor Wallet! These Terms and Conditions (“Terms”) govern your use of our mobile application and related services. By accessing or using Factor Wallet, you agree to be bound by these Terms. If you do not agree, do not use the app.

1. Acceptance of Terms
   1. You are at least 18 years old
   2. You have the legal capacity to enter into these Terms
   3. You agree to comply with all applicable laws and regulations
2. App Overview
   1. Import or create crypto wallets
   2. View and manage wallet balances and transaction histories
   3. Use an AI assistant for general queries and wallet help
   4. Purchase and withdraw crypto via third-party provider Unlimit
   5. Interact with blockchains using supported protocols
3. Wallet Responsibility
   1. We do not store, access, or manage your private keys, passphrases, or PIN codes
   2. You are solely responsible for safeguarding your wallet information
   3. If you lose your private key or seed phrase, we cannot recover your wallet
4. Third-Party Services
   1. We do not control these third-party services and are not responsible for their content, terms, or privacy practices
   2. Your use of these services is at your own risk
5. User Conduct
   1. Do not use the app for any unlawful or prohibited purpose
   2. Do not attempt to hack, reverse-engineer, or interfere with app functionality
   3. Do not upload or transmit malicious code or harmful data
   4. Do not violate any applicable crypto transaction laws
6. Security Measures
   1. PIN-based protection and optional biometric authentication
   2. Encrypted local storage of sensitive data
   3. Absolute security cannot be guaranteed; use strong passwords
7. No Investment Advice
   1. We do not offer investment advice or recommendations
   2. You are solely responsible for understanding the risks
8. Limitation of Liability
   1. We are not liable for loss of funds, assets, or data
   2. We are not liable for third-party service failures or app bugs
9. Modifications
   1. We may modify or discontinue the app at any time
   2. Continued use implies acceptance of changes
10. Termination
    1. We may suspend your access if you violate these Terms
11. Governing Law
    1. These Terms are governed by the laws of Czech Republic.
12. Contact Us
    1. If you have questions about these Terms, reach us at: hello@factor-wallet.com

By using Factor Wallet, you acknowledge and agree to these Terms of Use.