Terms of Use

Last updated: July 18, 2025

Billion Wallet (“Billion,” “we,” “us,” or “our”) is a non-custodial wallet and blockchain application developed and operated under the umbrella of GLeading Development FZCO, the parent entity of G Foundation. G Foundation is a fintech and blockchain ecosystem that also includes the projects Grothex and Dusfer.

With a focus on leveraging decentralized technologies, Billion Wallet enables users to store, manage, and interact with Digital Assets securely on their own devices. The wallet integrates with decentralized applications (“Dapps”), decentralized exchanges, and other blockchain-based services, supporting peer-to-peer transactions, swaps via third-party liquidity providers, and additional advanced functionality.

GLeading Development FZCO hosts the primary website https://g.foundation/, which provides corporate and project-related information. Billion Wallet’s official website is https://billionwallet.io/ (the “Site”), which, along with its sub-domains, includes text, images, audio, code, and other materials, as well as third-party content (collectively, the “Offerings”).

These Terms of Use (the “Terms,” “Terms of Use,” or “Agreement”) set forth the legally binding conditions governing your access to and use of the Site and Offerings, and form an agreement between you and us (the “User,” “you,” or “your”).

Please read these Terms carefully before using the Site or Offerings. By using the Site, clicking a button or checkbox to accept or agree to these Terms where that option is made available, accessing any functionality, or, if earlier, using or otherwise accessing the Offerings (the date on which any of the events listed above occur being the “Effective Date”), you:

Accept and agree to these Terms and any additional rules or conditions of participation issued by G Foundation from time to time; and
Consent to the collection, use, disclosure, and handling of information as described in our Privacy Policy.

If you do not agree to these Terms or fail to comply with them, you may not access or use the Offerings.

Agreement to Terms of Use and Privacy Policy

Please read these Terms carefully before using the Site, Applications, or any of the Functionality and Offerings (as defined below). By accessing or using the Site, Functionality, Offerings, and/or Content (defined below) in any manner, or by clicking a button or checkbox to accept or agree to these Terms where that option is made available, you:
(i) accept and agree to these Terms and any additional terms, rules, or policies that may apply to specific Offerings; and
(ii) consent to the collection, use, disclosure, and other handling of information as described in our Privacy Policy, available at https://billionwallet.io/privacy-policy (the “Privacy Policy”).

The Privacy Policy is incorporated into these Terms by this reference in its entirety. All references herein to the “Terms of Use”, the “Terms”, or this “Agreement” shall include a reference to the Privacy Policy and any applicable supplemental terms or policies. If you do not agree to these Terms or fail to comply with all obligations set forth herein, you must not access or use the Site, Offerings, or Functionality.

You represent and warrant that you are lawfully able to enter into contracts. If you are accepting these Terms on behalf of an entity, you represent and warrant that you have full legal authority to bind such entity to these Terms.

Changes to Terms of Use, Offerings, or Services; Third-Party Services

Changes to Terms of Use

We reserve the right to modify, update, or replace any part of these Terms at our sole discretion and without prior notice. If we do so, we will notify you by (a) posting the modified Terms on the Site, (b) providing notice through the App, or (c) other methods of communication we deem reasonable. It is your responsibility to review these Terms periodically. Continued use of the Site, Offerings, or Functionality after changes are posted constitutes your acceptance of the updated Terms. If you do not agree with the modified Terms, you must immediately discontinue your use of the Site, Offerings, and Functionality.

Changes to Offerings

Because our services and functionalities are evolving, we may add, change, suspend, or discontinue all or any part of the Site, Offerings, or Functionality at any time and without notice, at our sole discretion. If you are on a subscription or paid plan (if applicable), we will use commercially reasonable efforts to provide at least 30 days’ notice of any material discontinuation of a core Offering. We may, however, discontinue any Offering without prior notice if continuing it would (a) pose a significant security, legal, or intellectual property risk, (b) be technically or economically burdensome, or (c) create undue risk of violating applicable laws.

Third-Party Content and Services

When you use our Site and/or Functionality, you may also interact with or utilize third-party services, applications, or content (“Third-Party Content” and “Third-Party Services”). Examples include decentralized exchanges, liquidity sources, market makers, or app stores (e.g., Google Play or Apple App Store). Your use of any Third-Party Services is entirely at your own risk and will be subject to such third parties’ terms of service, privacy policies, fees, disclaimers, and any other applicable rules.

We do not control, verify, endorse, or guarantee the accuracy, completeness, or suitability of any Third-Party Content or Services. We disclaim all responsibility and liability for any losses, inaccuracies, or damages arising from your reliance on or use of such content or services. Any dealings or correspondence with third parties are solely between you and those third parties.

Responsibility for Third-Party Functionality

Some functionalities, such as token swaps, bridging, staking, or other DeFi services accessible through our interface (e.g., “Swapper”), rely on integrations with third-party protocols or smart contracts. While we provide access to such services for your convenience, we do not assume responsibility for their availability, accuracy, or performance. You acknowledge that all associated risks, fees, and liabilities related to Third-Party Services are solely your own.

Who May Use the Services

You may access and use the Site, the App, and the Functionality (collectively, the “Offerings”) only if you are of the age of majority in your jurisdiction of residence (or older, if required by applicable law) and are not otherwise barred from using the Offerings under applicable law or regulations. By accessing or using the Offerings and agreeing to these Terms, you represent and warrant that:

(a) You are of lawful age and have the full legal capacity to enter into binding contracts.
(b) If you are entering into this Agreement on behalf of an entity, such as your employer or company, you have the legal authority to bind that entity to these Terms.
(c) Neither you, nor any person or entity that owns or controls you, is subject to sanctions or included on any list of prohibited or restricted parties, including but not limited to lists maintained by the United Nations Security Council, the U.S. Government (e.g., the Specially Designated Nationals List or Foreign Sanctions Evaders List of the U.S. Department of Treasury, or the Entity List of the U.S. Department of Commerce), the BVI government, the United Kingdom, the European Union or its Member States, or any other applicable government authority.

Eligibility and User Responsibilities

Registration, Account Security, and Termination

Some Offerings may require you to create an account (“Account”) to access certain features. By creating an Account, you agree to:

Maintain the confidentiality of your Account credentials (including any passwords, private keys, or API authentication details) and not disclose or share them with any third party, except your authorized agents or contractors performing work on your behalf.
Notify us immediately of any unauthorized use of your Account or any security breach.
Accept responsibility for all actions performed under your Account, whether authorized or unauthorized, including any transactions or data transmitted using your credentials.

We reserve the right, in our sole discretion, to suspend or terminate your Account or access to the Offerings at any time, without liability, if:

You provide inaccurate, false, or incomplete information.
You violate any provision of these Terms.
We deem such suspension or termination necessary for security or legal compliance reasons.

Recovery Phrase and Private Key Security

If you use a non-custodial wallet feature of the Offerings (e.g., the Billion Wallet App), you will be responsible for securely maintaining your secret recovery phrase (“Recovery Phrase”), private keys, or any other access credentials.

We do not store, recover, or manage your Recovery Phrase or private keys. If you lose your Recovery Phrase, you may permanently lose access to your digital assets.
Anyone with knowledge of your Recovery Phrase can access and control your digital assets.
We disclaim all liability for any loss of digital assets resulting from your failure to securely retain or protect your Recovery Phrase, private keys, or related credentials.

You acknowledge that certain storage methods (e.g., saving recovery phrases as digital files, using cloud storage, or unsecured devices) increase your risk of compromise. We will never request your private key or Recovery Phrase.

User Responsibilities

You are fully responsible for all activities related to your use of the Offerings, whether initiated by you, your employees, agents, contractors, or any unauthorized third party.
We are not responsible for unauthorized access to your Account or Wallet, including access resulting from phishing, malware, fraud, or other malicious activities.
You must ensure that your use of the Offerings does not violate any applicable laws, regulations, or third-party rights.

Security, Updates, and Backup

You are solely responsible for configuring and securing your accounts and digital assets, which may include implementing encryption, regular backups, and strong password policies.
You are responsible for promptly installing all updates, patches, or upgrades to the Offerings to ensure continued security and functionality.
We take no responsibility for the compromise of your credentials or assets due to your failure to implement adequate security measures.

User Content and Feedback

User Content. “Content” refers to any text, graphics, images, audio, video, software, or other materials posted, submitted, or made available through the Offerings. “User Content” refers to any such Content provided by users, including you. We do not claim ownership of your User Content, but you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, sublicensable, and transferable license to use, copy, distribute, modify, publicly display, and perform your User Content as necessary to operate, improve, or promote the Offerings, subject to the Privacy Policy.

Feedback. If you provide feedback, suggestions, or ideas (“Feedback”), you grant us the right to use and commercialize such Feedback without restriction or obligation, including creating derivative works based on your Feedback.

Intellectual Property and Restrictions

All rights, title, and interest in the Offerings, including the Site, App, and related Content, are owned by GLeading Development FZCO (G Foundation) and its licensors. Except as expressly granted under these Terms, no licenses or rights are conferred to you.

You agree not to reverse-engineer, decompile, disassemble, or modify any part of the Offerings.
You will not use scraping, data-mining, or automated tools to extract data from the Offerings.
You may not resell, sublicense, or use the Offerings for providing software-as-a-service, cloud services, or other commercial offerings without prior written consent.

3.8 Applicability to Blockchain Accounts

For Offerings like Billion Wallet that interact with blockchain protocols (e.g., generating a public/private key pair), you are solely responsible for the use and security of these keys. We are not responsible for any losses due to your sharing or compromise of keys or recovery phrases.

Acceptable Use and Enforcement Rights

By accessing and using the Site and/or the Functionality of Billion Wallet (the “Platform”), you agree to comply with the following rules of acceptable use. Any violation of these rules may result in the immediate suspension or termination of your access to the Platform, without prior notice and at our sole discretion.

Prohibited Activities

You agree not to use the Site, the App, or any Functionality in any manner that:

Violates or infringes upon rights of others. This includes, without limitation, infringing or misappropriating intellectual property rights (such as copyrights, trademarks, or patents), violating rights of privacy or publicity, or breaching any contractual obligations.
Is unlawful or harmful. You may not use the Platform to engage in any activity that is illegal, threatening, defamatory, obscene, harassing, hateful, discriminatory, or otherwise harmful or offensive. You are also prohibited from promoting or encouraging any unlawful activity or violent behavior.
Misleads or impersonates. You may not use the Platform to impersonate any person or entity, provide false or misleading information, or misrepresent your identity, including through fraudulent accounts or other deceptive behavior.
Involves unauthorized communications. This includes sending spam, bulk messages, automated messages, or engaging in unauthorized data collection, such as scraping, mining, or harvesting user data.
Circumvents technical protections. You may not attempt to avoid, bypass, disable, or tamper with any security measures, encryption technologies, or content-filtering mechanisms implemented by Billion Wallet or its service providers.
Interferes with the Platform. You must not attempt to disrupt or overload our systems or networks, including by spreading malware, viruses, denial-of-service attacks, mail bombing, or any other malicious actions.
Uses obfuscation methods. Disguising your geographical location (e.g., through VPNs, IP proxies, or other techniques) for unlawful or fraudulent purposes is strictly prohibited.
Violates financial or regulatory laws. You are prohibited from engaging in money laundering, terrorist financing, sanctions evasion, tax evasion, or other financial crimes. You agree to comply with all applicable anti-money laundering (AML) and counter-terrorism financing (CTF) laws, including but not limited to the U.S. Bank Secrecy Act, OFAC regulations, and similar laws in other jurisdictions.

User Representations and Warranties

By using the Platform, you represent, warrant, and covenant that:

You own or are authorized to use the Digital Assets. Any digital assets you transfer, swap, or manage via the Platform must be lawfully acquired and belong to you, or you must have valid legal authorization to manage them.
You will not engage in fraudulent activity. You will not use the Platform to defraud Billion Wallet, its partners, other users, or any third parties.
You will pay all applicable fees. You are responsible for all fees related to blockchain transactions (e.g., “gas” fees on Solana or other compatible networks), as well as any service fees charged by Billion Wallet or third-party providers.
You understand that “gasless” transactions may still involve costs. Even if a transaction is presented as “gasless,” additional fees may apply to process it on the underlying blockchain.

Third-Party Content and User Content Monitoring

While we have no obligation to monitor user-generated content, we reserve the right, at our sole discretion, to review, remove, or restrict access to any content or activity that violates these Terms or is deemed harmful to the Platform or its users. You acknowledge that you may encounter user content that is inaccurate, offensive, or objectionable, and you agree that Billion Wallet assumes no liability for any such content or for any resulting damages or losses.

Export and Sanctions Compliance

You agree to comply with all applicable export control and trade sanctions laws and regulations. Specifically, you may not:

Access or use the Platform if you are located in, under the control of, or a resident of any country subject to U.S. embargoes or sanctions (including, but not limited to, Cuba, Iran, North Korea, Sudan, or Syria), or any other country or region restricted by the United Nations Security Council or HM Treasury’s financial sanctions regime.
Use the Platform if you appear on any restricted-party lists, such as the U.S. Department of Treasury’s Specially Designated Nationals (SDN) List, the U.S. Department of Commerce Entity List, or similar lists maintained by other jurisdictions.
Attempt to provide or resell the Functionality to any prohibited individuals or entities.

Fees and Payment Terms

General Fees

Certain features or parts of the Functionality may require the payment of fees. These fees can include, but are not limited to, charges associated with token swaps executed through Market Maker quotes, fees for using decentralized exchanges, or other services accessed via the Swapper interface.

Fee Display: All applicable fees will be displayed to you at the time you initiate a transaction or use a specific feature.
Fee Updates: We reserve the right to modify fee structures or introduce new fees at any time without prior notice. Any such changes will take effect once they are published on the Site or displayed in the App interface.
Fee Composition: Fees displayed within the Billion Wallet interface may consist of our own fees and additional charges levied by third-party service providers.

Advance Estimates of Fees

We endeavor to display accurate estimates of all fees (including blockchain network costs, such as “gas” fees). However, due to fluctuations in blockchain network conditions, actual fees paid may differ from the estimates shown in the interface. You acknowledge and agree that such estimates are for informational purposes only and may not be exact. We disclaim any liability for discrepancies between estimated and actual fees.

Arrangements with Third Parties

Market Makers and Validators

To ensure efficient transaction execution, improved price discovery, and user experience, we may enter into agreements with independent third parties, including:

Market Makers: These entities may submit token swap quotes visible to you in the Swapper interface. If you choose to execute a transaction based on such quotes, we may receive a portion of the fees or compensation from the respective Market Maker.
Validators or Searchers: Some Partners may have exclusive rights to process, prioritize, or bundle transactions executed via the Functionality. These arrangements are aimed at optimizing execution quality and speed.

Revenue Sharing

You acknowledge and agree that fees or benefits derived from these arrangements are the property of Billion Wallet and/or its affiliates. You have no right or claim to any portion of the revenue or fees we may receive as part of our agreements with Market Makers, Validators, or other Partners.

Third-Party Functionality

Independent Services

The Site, App, and Functionality may contain links to or integrate with Third-Party Functionality (including decentralized applications, exchanges, or other blockchain-based services). We provide access to such third-party services only as a convenience and do not control or endorse their content, products, or practices.

Your Responsibility

Third-Party Fees:

When using third-party services (e.g., Dapps or exchanges accessed via the Swapper), you may be subject to additional fees directly charged by these third parties. We are not responsible for such fees.

Independent Terms:

Your use of Third-Party Functionality is governed not only by this Agreement but also by the separate terms of service, privacy policies, and any other rules set by the third-party provider.

Risk Disclaimer:

We make no representations or warranties regarding the accuracy, legitimacy, or availability of third-party services. You assume all risks when interacting with such third parties.

Taxes

Tax Responsibility

You are solely responsible for identifying, reporting, and paying all applicable taxes, duties, and governmental charges arising from your use of the Site, App, or Functionality, including any transactions performed.

Tax Withholding

All fees displayed by us are exclusive of applicable taxes unless explicitly stated otherwise. We reserve the right to withhold taxes where required by law.

Price Accuracy Disclaimer

Prices, swap rates, and other information related to Digital Assets displayed in the Swapper interface or through any Third-Party Functionality are estimates only. These values may fluctuate due to market volatility, liquidity conditions, or technical factors. Billion Wallet disclaims any liability for losses or discrepancies arising from price changes between displayed estimates and final execution.

Temporary Suspension; Limiting API Requests

Grounds for Temporary Suspension

We may, at our sole discretion, temporarily suspend your access to all or part of the Offerings (including your account, API access, or specific functionalities) if we determine that:

(a) your use of the Offerings (i) poses or may pose a security risk to the Offerings, our infrastructure, or third-party systems, (ii) may adversely affect the performance, integrity, or availability of the Offerings, (iii) could subject us, our affiliates, or other users to liability, or (iv) may violate applicable laws, regulations, or contractual obligations;
(b) you, or any End User acting under your account, are in material breach of this Agreement or of applicable usage policies;
(c) you have failed to pay applicable fees (as described in Section 4) for more than thirty (30) days;
(d) you have ceased operations in the ordinary course of business, become insolvent, made an assignment for the benefit of creditors, or are the subject of any bankruptcy, reorganization, liquidation, or similar proceedings; or
(e) your activity involves suspicious, fraudulent, or abusive actions (including but not limited to phishing attempts, unauthorized API scraping, or attempts to bypass security measures).

Effect of Suspension

During any suspension period:

(a) you remain fully responsible for all fees, charges, and taxes accrued before and during the suspension;
(b) you are not entitled to any credits, refunds, or service-level guarantees for the duration of the suspension;
(c) we may impose conditions for reinstatement, including security verifications, additional documentation, or updated payment of outstanding fees.

Limiting API Requests

We retain the sole right to limit the number of API requests ("API Requests") associated with your use of the Offerings, whether such limits are defined in your Paid Plan, displayed in the user interface, or set by policy. Excessive or abusive API usage, as determined by us, may lead to temporary or permanent throttling, suspension, or termination of your API access.

We may attempt, but are not obligated, to provide advance notice or warnings prior to applying rate limits or suspensions.
We may also enforce technical measures, such as rate limiting, blocking, or filtering, to ensure service stability for all users.
Continued violation of API usage thresholds may result in permanent account termination.

No Liability for Suspension

We are not liable for any loss of data, business interruption, or other damages resulting from temporary suspension, API throttling, or termination under this Section 5, except where explicitly required by applicable law.

Limitation of Liability

THE BILLION PARTIES SHALL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR ANY LOST PROFITS OR ANY SPECIAL, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR OTHERWISE OUT OF OR IN CONNECTION WITH ANY AUTHORIZED OR UNAUTHORIZED USE OF THE SITE, THE APP OR THE SERVICES, EVEN IF AN AUTHORIZED REPRESENTATIVE OF BILLION HAS BEEN ADVISED OF OR KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES. BILLION SHALL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR DAMAGES ARISING OUT OF OR IN ANY WAY RELATED TO SOFTWARE, PRODUCTS, SERVICES, AND/OR INFORMATION OFFERED OR PROVIDED BY THIRD-PARTIES AND ACCESSED THROUGH THE APP, SITE OR SERVICES.

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY FOR PERSONAL INJURY, OR OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS LIMITATION MAY NOT APPLY TO YOU. IN NO EVENT SHALL THE BILLION PARTIES’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES (OTHER THAN AS MAY BE REQUIRED BY APPLICABLE LAW IN CASES INVOLVING PERSONAL INJURY) EXCEED THE AMOUNT OF ONE HUNDRED U.S. DOLLARS ($USD100.00) OR ITS EQUIVALENT IN THE LOCAL CURRENCY OF THE APPLICABLE JURISDICTION.

Acknowledgment of Certain Risks; Other Disclaimers; Release of Claims

By accessing and using the Functionality, you acknowledge that you are trading peer to peer and that Billion is not acting as an intermediary on your behalf, or providing a regulated service, and you are not a customer of Billion. You also acknowledge that Billion does not provide investment advice or recommendations, and you represent that you understand the inherent risks associated with using cryptographic and blockchain-based systems, and that you have a working knowledge of the usage and intricacies of Digital Assets.

You further understand that the markets for these Digital Assets are highly volatile due to factors including (but not limited to) adoption, speculation, technology, security, and regulation. You acknowledge and accept that the cost and speed of transacting with cryptographic and blockchain-based systems such as Solana are variable and may increase dramatically at any time. You further acknowledge and accept the risk that your Digital Assets, or any Digital Assets you acquire, including pursuant to Market Maker quotes or through a third-party exchange accessed via the Swapper may lose some or all of their value and you may suffer loss due to the fluctuation of prices of tokens and/or significant price slippage and cost. You understand that anyone can create a token, including fake versions of existing tokens and tokens that falsely claim to represent projects, and acknowledge and accept the risk that you may mistakenly trade those or other tokens. You further acknowledge that we are not responsible for any of these variables or risks and that we cannot be held liable for any resulting losses that you experience while accessing or using the Site or Functionality.

The Site and Functionality and your Digital Assets could be impacted by one or more government or regulatory inquiries or government or regulatory actions, which could impede or limit the ability of Billion to continue to make its proprietary software, and thus, could impede or limit your ability to continue to use the Functionality.

You understand and acknowledge that cryptography is a progressing field with advances in code cracking and other technical advancements, such as the development of quantum computers, which may present risks to Digital Assets and the services, and could result in the theft or loss of your Digital Assets. To the extent possible, we intend to update Billion-developed smart contracts related to the Functionality to account for any advances in cryptography and to incorporate additional security measures necessary to address risks presented from technological advancements, but that intention does not reflect a binding commitment and does not in any way guarantee or otherwise ensure full security of the Functionality.

You understand that the Solana blockchain (and all other networks with which the Functionality may be compatible) remains under development, which creates technological and security risks when using the Functionality in addition to uncertainty relating to Digital Assets and transactions therein. You acknowledge that the cost of transacting on the Solana blockchain is variable and may increase at any time, thereby impacting any activities taking place on the Solana blockchain, which may result in price fluctuations or increased prices for using the Functionality.

You acknowledge that the Functionality is subject to flaws and that you are solely responsible for evaluating any code provided by the Site or Functionality. This warning and others Billion provides in these Terms in no way evidence or represent any on-going duty to alert you of the potential risks of utilizing the Functionality or accessing the Site.

Although we intend to provide accurate and timely information on the Site and during your use of the Site and the Functionality, that intention does not reflect a binding commitment, and the Site and other information available when using the Functionality may not be accurate, complete, error-free or current. To continue to provide you with as complete and accurate information as possible, information may be changed or updated from time to time without notice, including, without limitation, information regarding our policies. Accordingly, you should verify all information before relying on it in any manner, and all decisions based on such information contained on the Site or made available through the Functionality are your sole and absolute responsibility. No representation of any kind or nature is made as to the accuracy, completeness or appropriateness for any particular purpose of any pricing or other information distributed via the Site or Functionality. All decisions that you make pursuant to pricing or other information distributed via the Site or Functionality, including trading decisions, are your own. Pricing information may be higher or lower than prices available on platforms providing similar services.

Any reference to a type of Digital Asset on the Site or otherwise during the use of the Functionality does not indicate our approval or disapproval of the technology on which the Digital Asset relies, and should not be used as a substitute for your understanding of the risks specific to each type of Digital Asset and the use and availability of any particular blockchain.

Use of the Functionality, in particular for trading Digital Assets, may carry financial risk. Digital Assets are, by their nature, highly experimental, risky, and volatile. Transactions entered into in connection with the Functionality are irreversible, final and there are no refunds. You acknowledge and agree that you will access and use the Site and the Functionality at your own risk. The risk of loss in trading Digital Assets can be substantial (all the more so if you are leveraged). You should, therefore, carefully assess whether such trading is suitable and appropriate for you in light of your circumstances and financial resources. By using the Site and Functionality, you represent and warrant that you have been, are, and will be solely responsible for making your independent appraisal and investigations into the risks of a given transaction and the underlying Digital Assets. You represent that you have sufficient knowledge, market sophistication, professional advice, and experience to make your evaluation of the merits and risks of any transaction conducted in connection with the Functionality or any Digital Asset. You accept all consequences of using the Functionality, including the risk that you may lose access to your Digital Assets indefinitely. All transaction decisions are made solely by you. Notwithstanding anything in these Terms, we accept no responsibility whatsoever for, and will in no circumstances be liable to you in connection with, your use of the Functionality for performing Digital Asset transactions.

You understand that your private key, seed phrase and any other access credentials used to access the App must be maintained securely by you at all times and that Billion will neither store a copy of nor be able to recover your private key or seed phrase if it is lost to you. You understand that disclosing, sharing, and/or publicly storing either your private key or seed phrase may increase your risk of loss or theft of your Wallet and/or any Digital Assets you may store in your Wallet. You acknowledge that you are solely responsible for your engagement with solicitations and other prompts from third parties.

Billion is a developer and supplier of software. Billion is not a broker, nor is it a dealer or arranger, nor does it operate a Digital Asset exchange platform or offer trade execution or clearing services and, therefore, has no oversight, involvement, or control concerning the transactions you choose to conduct via the Functionality. All transactions between users of Billion-developed software are initiated and signed by users and are executed peer-to-peer directly between the users’ Solana (or other network) addresses through smart contracts. You are responsible for complying with all laws that may be applicable to or govern your use of the Functionality, including, but not limited to, the Commodity Exchange Act and the regulations promulgated thereunder by the U.S. Commodity Futures Trading Commission (“CFTC”), the federal securities laws and the regulations promulgated thereunder by the U.S. Securities and Exchange Commission (“SEC”) and all foreign laws that apply to you and your trading.

You understand that Billion and the Swapper are not registered or licensed by the CFTC, SEC, or any other financial regulatory authority (whether in the United States or elsewhere). No financial regulatory authority has reviewed or approved the use of the Billion-developed software that comprises the Site and the Functionality. The Site and the Billion-developed software do not constitute advice or a recommendation concerning any commodity, security, or other Digital Asset or instrument. Billion is not acting as an investment manager, adviser, arranger, introducer, broker, dealer, virtual asset service provider or commodity trading adviser to any person or entity.

You further understand that Billion is not a money transmitter or money services business subject to the anti-money laundering program requirements under the Bank Secrecy Act, 31 U.S.C. 5311 et seq., or under the laws of any state or territory.

You expressly agree that you assume all risks in connection with your access and use of the Site and Functionality and your interaction therewith. You further expressly waive and release the Billion Parties from any and all liability, claims, causes of action, or damages arising from or in any way relating to your use of the Site and Functionality and your interaction therewith. If you are a California resident, you waive the benefits and protections of California Civil Code § 1542, which provides: “[a] general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”

Proprietary Rights

Your Content

Depending on the Offering, you may share Content with us. Except as provided in this Section, we obtain no rights under this Agreement from you (or your licensors) to Your Content; however, you consent to our use of Your Content in any manner that is consistent with the purpose of your use of the Offerings or that otherwise facilitates providing the Offerings to you.

Offerings License

We or our licensors own all right, title, and interest in and to the Offerings, and all related technology and intellectual property rights. Subject to the terms of this Agreement, we grant you a limited, revocable, non-exclusive, non-sublicensable, non-transferable license to do the following: (a) access and use the Offerings solely in accordance with this Agreement; and (b) copy and use Our Content solely in connection with your permitted use of the Offerings. Except as provided in this Section, you obtain no rights under this Agreement from us, our affiliates or our licensors to the Offerings, including any related intellectual property rights. Some of Our Content and Third-Party Content may be provided to you under a separate license, such as the Apache License, Version 2.0, or other open source license. In the event of a conflict between this Agreement and any separate license, the separate license will prevail with respect to Our Content or Third-Party Content that is the subject of such separate license.

License Restrictions

Neither you nor any End User will use the Offerings in any manner or for any purpose other than as expressly permitted by this Agreement. Except for as authorized, neither you nor any End User will, or will attempt to (a) modify, distribute, alter, tamper with, repair, or otherwise create derivative works of any Content included in the Offerings (except to the extent Content included in the Offerings is provided to you under a separate license that expressly permits the creation of derivative works), (b) reverse engineer, disassemble, or decompile the Offerings or apply any other process or procedure to derive the source code of any software included in the Offerings (except to the extent applicable law doesn’t allow this restriction), (c) access or use the Offerings in a way intended to avoid incurring fees or exceeding usage limits or quotas, (d) use scraping techniques to mine or otherwise scrape data except as permitted by a Plan, or (e) resell or sublicense the Offerings unless otherwise agreed in writing. You will not use Our Marks unless you obtain our prior written consent. You will not misrepresent or embellish the relationship between us and you (including by expressing or implying that we support, sponsor, endorse, or contribute to you or your business endeavors). You will not imply any relationship or affiliation between us and you except as expressly permitted by this Agreement.

Suggestions

If you provide any Suggestions to us or our affiliates, we and our affiliates will be entitled to use the Suggestions without restriction. You hereby irrevocably assign to us all right, title, and interest in and to the Suggestions and agree to provide us any assistance we require to document, perfect, and maintain our rights in the Suggestions.

U.S. Government Users

If you are a U.S. Government End User, we are licensing the Offerings to you as a “Commercial Item” as that term is defined in the U.S. Code of Federal Regulations (see 48 C.F.R. § 2.101), and the rights we grant you to the Offerings are the same as the rights we grant to all others under these Terms of Use.

Indemnification

General

(a) You will defend, indemnify, and hold harmless us, our affiliates and licensors, and each of their respective employees, officers, directors, and representatives from and against any Losses arising out of or relating to any claim concerning: (a) breach of this Agreement or violation of applicable law by you; or (b) a dispute between you and any of your customers or users. You will reimburse us for reasonable attorneys’ fees and expenses, associated with claims described in (a) and (b) above.

(b) We will defend, indemnify, and hold harmless you and your employees, officers, directors, and representatives from and against any Losses arising out of or relating to any claim concerning our material and intentional breach of this Agreement. We will reimburse you for reasonable attorneys’ fees and expenses associated with the claims described in this paragraph.

Intellectual Property

(a) Subject to the limitations in this Section, you will defend Billion, its affiliates, and their respective employees, officers, and directors against any third-party claim alleging that any of Your Content infringes or misappropriates that third party’s intellectual property rights, and will pay the amount of any adverse final judgment or settlement.

(b) Subject to the limitations in this Section 8 and the limitations in Section 10, we will defend you and your employees, officers, and directors against any third-party claim alleging that the Offerings infringe or misappropriate that third party’s intellectual property rights, and will pay the amount of any adverse final judgment or settlement.

(c) Neither party will have obligations or liability under this Section arising from infringement by you combining the Offerings with any other product, service, software, data, content or method. In addition, we will have no obligations or liability arising from your use of the Offerings after we have notified you to discontinue such use.

Process

In no event will a party agree to any settlement of any claim that involves any commitment, other than the payment of money, without the written consent of the other party.

Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. All provisions of these Terms relating to arbitration shall be governed by and construed in accordance with the Federal Arbitration Act (U.S. Code Title 9).

Mandatory Arbitration

PLEASE READ THIS “MANDATORY ARBITRATION” PROVISION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND BILLION, SUBJECT TO THE TERMS AND OPT-OUT OPTION DESCRIBED BELOW.

You and Billion agree that any and all disputes, claims, or causes of action, whether past, present, or future, arising out of or related to your use of the Site, the App, or any functionality provided by Billion (collectively, the “Functionality”), or these Terms, or any other controversies between you and Billion (including, without limitation, disputes regarding the enforceability, validity, or scope of this arbitration provision) (collectively, “Disputes”), shall be resolved by binding arbitration, unless:

Your country of residence prohibits mandatory arbitration;
You opt out as described below; or
The Dispute is subject to one of the exceptions outlined herein.

You and Billion further agree that arbitration under these Terms shall proceed solely on an individual basis and not as a class, collective, group, or representative action. The arbitrator’s decision and award may be entered and enforced in any court of competent jurisdiction.

Definition of “Country of Residence”:

For the purposes of this arbitration clause, your Country of Residence means the country in which you hold citizenship or legal permanent residency, as well as any country from which you regularly access and use the Billion services. If you hold multiple citizenships or residencies, your Country of Residence will be determined by your closest and most regular association.

Informal Resolution Requirement

Before initiating any arbitration or legal action, you agree to attempt to resolve the Dispute informally by contacting Billion at legal@billionwallet.io. Similarly, Billion will attempt to resolve any dispute it has with you informally by contacting you using the contact information you have provided.

The party initiating the potential Dispute (the “Notifying Party”) must provide the other party (the “Notified Party”) with a written Notice of Dispute containing:

The name and contact information of the user (and legal counsel, if applicable),
A detailed description of the issue, and
The relief or resolution being sought.

The Notified Party will respond within ten (10) business days, and both parties will engage in good-faith discussions to resolve the Dispute. If the Dispute is not resolved within thirty (30) days of the Notice of Dispute being sent, either party may initiate arbitration.

If arbitration is filed without first providing a proper Notice of Dispute, the arbitrator shall dismiss the claim with prejudice, and the filing party shall be responsible for all fees and costs, including the opposing party’s reasonable attorneys’ fees.

Arbitration Process

If informal resolution fails, both you and Billion agree to resolve the Dispute through final and binding arbitration, administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules and Consumer-Related Dispute Supplementary Procedures (collectively, the “AAA Rules”), which are available at www.adr.org or by phone at 1-800-778-7879.

Arbitration will proceed on an individual basis before a single arbitrator, who shall be a retired judge or a licensed attorney experienced in dispute resolution.
If the parties cannot agree on an arbitrator within 14 days of filing the Demand for Arbitration, the AAA will appoint one in accordance with its rules.
The arbitrator will have the authority to grant any legal or equitable relief that a court could grant on an individual basis.

Special Rule for Injunctive Relief:
If injunctive relief is sought and may impact other users of Billion, the arbitration shall be conducted before a panel of three arbitrators (each party selects one, and the two select the third as the chairperson). The chairperson must be a retired judge or attorney experienced in arbitration.

Location and Language

Unless otherwise agreed, the arbitration will be conducted in English and held in San Francisco, California, USA. If both parties agree, the arbitration may be conducted by videoconference, telephonically, or through other electronic means.

Arbitration Costs

If Billion initiates arbitration, Billion will cover all filing and administrative costs (except hearing fees).
If you initiate arbitration, you will pay fees as per AAA Rules, except that if your claim is $10,000 or less, Billionwill cover all filing, administrative, and arbitrator fees unless the arbitrator determines that your claim was frivolous or filed for an improper purpose.

Each party is responsible for its own attorneys’ fees unless otherwise provided by applicable law.

Collective Arbitration Waiver

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER YOU NOR BILLION MAY PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ARBITRATION. ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY.

This means that neither you nor Billion can consolidate or join claims with others, act as a representative or class member, or pursue claims in a private attorney general capacity. Any challenge to the validity of this provision shall be determined solely by the arbitrator.

Exceptions to Arbitration

Notwithstanding the above, either party may:

Bring claims in a small claims court that has jurisdiction,
Seek provisional relief in a court to protect intellectual property rights, or
Enforce an arbitration award in any court of competent jurisdiction.

Survival of Arbitration Terms

This arbitration clause survives any termination or expiration of these Terms. If any part of this arbitration agreement is found invalid or unenforceable, the remainder shall remain in full force, except that if the collective arbitration waiver is found unenforceable, this entire arbitration provision shall be deemed void.

Disclaimers; Risk

DISCLAIMER.
THE OFFERINGS ARE PROVIDED “AS IS.” EXCEPT TO THE EXTENT PROHIBITED BY LAW, OR TO THE EXTENT ANY STATUTORY RIGHTS APPLY THAT CANNOT BE EXCLUDED, LIMITED OR WAIVED, WE AND OUR AFFILIATES AND LICENSORS (A) MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE REGARDING THE OFFERINGS, THE THIRD PARTY CONTENT, OR THE THIRD PARTY SERVICES, AND (B) DISCLAIM ALL WARRANTIES, INCLUDING ANY IMPLIED OR EXPRESS WARRANTIES (I) OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR QUIET ENJOYMENT, (II) ARISING OUT OF ANY COURSE OF DEALING OR USAGE OF TRADE, (III) THAT THE OFFERINGS, THIRD PARTY CONTENT, OR THIRD PARTY SERVICE WILL BE UNINTERRUPTED, ERROR FREE OR FREE OF HARMFUL COMPONENTS, AND (IV) THAT ANY CONTENT WILL BE SECURE OR NOT OTHERWISE LOST OR ALTERED.

9.2 RISKS. OUR OFFERINGS RELY ON EMERGING TECHNOLOGIES, SUCH AS SOLANA AND OTHER BLOCKCHAIN NETWORKS. SOME OFFERINGS ARE SUBJECT TO INCREASED RISK THROUGH YOUR POTENTIAL MISUSE OF THINGS SUCH AS PUBLIC/PRIVATE KEY CRYPTOGRAPHY, OR FAILING TO PROPERLY UPDATE OR RUN SOFTWARE TO ACCOMMODATE PROTOCOL UPGRADES. BY USING THE OFFERINGS YOU EXPLICITLY ACKNOWLEDGE AND ACCEPT THESE HEIGHTENED RISKS. YOU REPRESENT THAT YOU ARE FINANCIALLY AND TECHNICALLY SOPHISTICATED ENOUGH TO UNDERSTAND THE INHERENT RISKS ASSOCIATED WITH USING CRYPTOGRAPHIC AND BLOCKCHAIN-BASED SYSTEMS AND UPGRADING YOUR SOFTWARE AND PROCESSES TO ACCOMMODATE OFFERING AND PROTOCOL UPGRADES.

General Terms

These Terms (including the Privacy Policy) constitute the entire and exclusive understanding and agreement between Billion and you regarding the Site, Functionality, and Content. These Terms supersede and replace any and all prior oral or written understandings or agreements between Billion and you regarding the Site, Functionality, and Content.

Except as provided above with respect to provisions pertaining to Collective Arbitration, if any provision of these Terms is held invalid or unenforceable (either by an arbitrator appointed as provided herein or by a court of competent jurisdiction), that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect.

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void and of no force or effect. Billion may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.

Any notices or other communications provided by Billion under these Terms, including those regarding modifications to these Terms, will be given by posting to the Site and/or through other electronic communication. You agree and consent to receive electronically all communications, agreements, documents, notices, and disclosures that Billion provides in connection with your Account and/or your use of the Site and Functionality.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Billion. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.

These Terms are written in English (U.S.). Any translated version is provided solely for your convenience. To the extent any translated version of our Terms conflicts with the English version, the English version controls.

Usernames, Profiles and Accounts

Billion usernames unlock a personalized, unhosted wallet experience with synced settings across all devices. You can send and receive digital assets, log in to your wallet, and connect with other users using your custom username.

Billion prioritizes your safety and security. Users found engaging in malicious activities, including but not limited to phishing, scamming, squatting, or impersonation, may have their usernames revoked at Billion’s sole discretion and without prior notice. Usernames that infringe on intellectual property rights or violate trademarks may also be revoked.

By claiming your username, you understand and agree to comply with Billion’s policies. You acknowledge that your username and avatar may be public information.

Purchasing, selling, or renting a username is strictly prohibited, except where such functionality is expressly provided and authorized by Billion as part of the platform’s official features. In cases where Billion introduces mechanisms allowing the enhancement, trading, or collection of user profiles in a manner analogous to NFTs, such activities shall be deemed permissible strictly within the framework of the functionalities and conditions defined by Billion.

Billion reserves the right to revoke access to any username if you violate these terms, applicable law, or engage in behavior harmful to Billion’s services or its users. If you believe your username has been revoked in error, please contact support@billionwallet.io.

Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Binding Arbitration

Any dispute, claim, or controversy (“Claim”) relating in any way to this Agreement, the Site, or your use of the Offerings will be resolved by binding arbitration as provided in this Section 11, rather than in court, except that you may assert claims in small claims court if your claims qualify.

If you are located in the United States

This Agreement and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter or formation shall be governed by and construed in accordance with the laws of the State of Texas. The Federal Arbitration Act and federal arbitration law apply to this Agreement. There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages) and must follow the terms of this Agreement as a court would.

The arbitration will be conducted in accordance with the expedited procedures set forth in the JAMS Comprehensive Arbitration Rules and Procedures (the “Rules”) as those Rules exist on the effective date of this Agreement, including Rules 16.1 and 16.2. The arbitrator’s decision shall be final, binding, and non-appealable. Judgment upon the award may be entered and enforced in any court having jurisdiction. Neither party shall bring a lawsuit other than for enforcement of this clause or the arbitrator’s award. Any such suit may be brought only in a Federal District Court or a Texas state court located in Tarrant County, Texas.

The arbitrator, and not any federal, state, or local court, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, unconscionability, arbitrability, enforceability, or formation of this Agreement, including any claim that all or any part of the Agreement is void or voidable. If for any reason a claim proceeds in court rather than arbitration, both parties waive any right to a jury trial. Notwithstanding the foregoing, either party may bring suit in court to seek injunctive relief or to protect intellectual property rights.

If you are located in the United Kingdom

Any dispute, claim, or controversy relating to this Agreement, the Offerings, or your use of the Offerings will be resolved by binding arbitration as provided in this clause. Before arbitration, both parties shall first attempt mediation in accordance with the LCIA Mediation Rules. If the dispute is not settled by mediation within 14 days, it shall be referred to and finally resolved by arbitration under the LCIA Rules. The seat of arbitration shall be London, and the language used shall be English.

If you are located in any other territory

If you are not located in the United States or the United Kingdom, you may elect for Section 11.1.1 or 11.1.2 to apply to you. Otherwise, this Agreement shall be governed by the law of Ireland. Any dispute will be resolved through mediation in accordance with the LCIA Mediation Rules. If unresolved, the dispute will proceed to arbitration under the LCIA Rules. The seat of arbitration shall be Dublin, Ireland, and the language of the proceedings shall be English.

Class Action Waiver

YOU AND BILLION AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. Unless both you and Billion agree otherwise, no arbitrator or judge may consolidate claims or preside over any representative or class proceeding. If any court or arbitrator finds this waiver unenforceable, the arbitration clause will be null and void, and the parties will not be required to arbitrate disputes.

30-Day Right to Opt Out

You may opt out of these arbitration and class action waiver provisions by sending written notice of your decision to legal@billionwallet.io with the subject line LEGAL OPT OUT. The notice must be sent within 30 days of your first use of the Offerings. If you opt out, neither you nor Billion will be bound by the arbitration provisions.

Miscellaneous

Assignment

You may not assign or otherwise transfer this Agreement or any of your rights and obligations under this Agreement without the prior written consent of Billion. Any assignment or transfer in violation of this Section 12.1 shall be null and void. We may assign this Agreement without your consent: (a) in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets; or (b) to any of our Affiliates. Upon such assignment, the assignee shall be deemed substituted for Billion as a party to this Agreement, and Billion shall be fully released from all of its obligations and duties hereunder. Subject to the foregoing, this Agreement shall bind and inure to the benefit of the parties and their respective permitted successors and assigns.

DAOs

As a blockchain-native company, Billion may interact with and provide Offerings to decentralized autonomous organizations (DAOs). Due to the unique nature of DAOs, to the extent a DAO votes in favor of or otherwise accepts the Offerings provided by Billion, such DAO is deemed to have acknowledged and agreed to these Terms in their entirety.

Entire Agreement and Modifications

This Agreement incorporates all applicable Policies by reference and constitutes the entire agreement between you and Billion with respect to the subject matter herein. In case of any inconsistency between these Terms and any referenced Policy, these Terms will prevail. Any modification of this Agreement must be made in writing and signed by an authorized representative of Billion.

Force Majeure

Neither Billion nor its Affiliates shall be liable for any delay or failure to perform any obligation under this Agreement due to events beyond reasonable control, including but not limited to acts of God, natural disasters, epidemics, pandemics, cyber attacks, power or telecommunications outages, acts of terrorism, blockades, governmental actions, wars, or other similar events.

Export and Sanctions Compliance

You agree to comply with all applicable import, export, re-export, anti-boycott, and sanctions laws and regulations. You may not use any Billion Offering if you are located in or a resident of any jurisdiction subject to comprehensive trade sanctions, or if you are subject to any U.S. or international sanctions that prohibit such use.

Independent Contractors; Non-Exclusive Rights

You and Billion are independent contractors. Nothing in this Agreement shall be construed to create any partnership, joint venture, agency, fiduciary, or employment relationship between the parties. Each party reserves the right to develop, license, or assist third-party products and services that may compete with the other party’s products or services.

Eligibility

If you are under the age of majority in your jurisdiction, you may use the Site or Offerings only with the consent of, or under the direct supervision of, a parent or legal guardian.
NOTICE TO PARENTS AND GUARDIANS: By granting a minor permission to use the Site or Offerings, you agree to these Terms of Use on behalf of the minor and assume responsibility for their online activities.

Language

All notices and communications under this Agreement shall be made in English. If a translation of this Agreement is provided for convenience, the English version shall control in case of any conflict.

Notice

(a) To You: We may provide any notice via email, posting on the Site, public announcements, or other reasonable means. Notices are effective upon sending or posting. It is your responsibility to ensure that your email address and account details are accurate and current.
(b) To Us: Notices to Billion must be sent to support@billionwallet.io.

No Third-Party Beneficiaries

This Agreement does not confer any rights or remedies upon any third party, except as expressly provided herein.

No Waivers

The failure of Billion to enforce any right or provision under this Agreement shall not constitute a waiver of such right or provision.

Severability

If any provision of this Agreement is found invalid or unenforceable, the remaining provisions shall remain in full force and effect. Invalid provisions will be interpreted to reflect the original intent as closely as possible.

Copyright Infringement

If you believe that any content provided by Billion infringes your copyright or intellectual property rights, you must submit a written notice containing the following:

Your signature (electronic or physical) as the owner or agent of the copyright owner.
A detailed description of the copyrighted work that is allegedly infringed.
A description of the location of the infringing material.
Your contact information (address, phone, email).
A statement under penalty of perjury that the use of the material is not authorized by the copyright owner, its agent, or the law.

Please send notices to:
Email: support@billionwallet.io
Subject Line: Copyright Notification

Definitions

“Acceptable Use Policy” – The policy governing appropriate use of the Offerings, including prohibitions on illegal, fraudulent, or abusive activities.

“Digital Assets” – Cryptographic tokens, cryptocurrencies, or other digital representations of value supported by blockchain protocols.

“Offerings” – All products, services, APIs, applications, and tools provided by Billion, including but not limited to wallets, staking services, and bridging features.

“Our Content” – Software, documentation, graphics, data, and media provided by Billion.

“Your Content” – Content or data you submit or store via the Offerings.

“End User” – Any individual or entity that accesses or uses Your Content or Offerings under your account.

“Policies” – Privacy Policy, Acceptable Use Policy, and any additional policies referenced herein.

“Supported Digital Assets” – Assets officially supported by Billion for custody, staking, or other services.

Appendix 1 - Additional Offerings

Staking Services

When you hold Supported Digital Assets in your Billion Wallet, you may be offered the ability to stake those assets to earn rewards by participating in proof-of-stake (PoS) networks through our non-custodial staking services.

General

You may choose to delegate your assets to validator nodes operated by Billion or trusted third-party validators (“Designated Validator Nodes”). Billion does not provide investment advice or recommendations related to staking or validator selection.

Rewards and Fees

Staking rewards, if any, are determined by the blockchain protocol and are not guaranteed. Billion may charge a service fee (indicated in the user interface) for facilitating staking.

Non-Custodial Nature

Billion does not store or have access to your private keys. You retain full control and responsibility over your assets and staking rewards.

Risks and Slashing

Staking involves inherent risks, including “slashing” (loss of staked assets due to validator misbehavior) and network downtime. Billion is not responsible for any protocol-level penalties.

Suspension or Termination

You may un-stake your assets at any time, subject to protocol lock-up periods. Billion reserves the right to suspend or discontinue staking services with prior notice.

No Guarantee of Rewards

Rewards and reward rates are not guaranteed and may fluctuate due to network conditions.

Dusfer and Bridging

Billion provides cross-chain swap and bridging functionality through its integrated Dusfer service.

These services may involve third-party protocols. Billion acts as a technology provider and is not responsible for failures, downtime, or losses caused by third-party networks.
Users are solely responsible for verifying the accuracy of transactions, including destination addresses and supported assets.

Contact Information

If you have any questions about these Terms, please contact us at support@billionwallet.io.