These Terms of Service ("Terms") are a binding agreement between you and Trader Wallet sp. z o.o. ("Trader Wallet", "we", "our", or "us"), a limited-liability company registered in Poland, and govern your access to and use of the Trader Wallet mobile application for iOS and Android (the "App"), our website at trader-wallet.com (the "Site"), and the related backend services (together, the "Services").
Please read these Terms carefully, together with our Privacy Policy. They contain important information about your rights and obligations, about the nature of a self-custodial wallet, about the fees we charge, and about significant risks, disclaimers, and limitations of liability. By downloading, accessing, or using the Services, you confirm that you have read, understood, and accept these Terms. If you do not agree, do not use the Services.
By downloading, installing, accessing, or using the Services, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you use the Services on behalf of an organization, you represent that you are authorized to bind that organization, and "you" refers to that organization. If you do not agree to these Terms, you must not access or use the Services.
To use the Services, you must:
You are solely responsible for determining whether the Services and any feature are legal and appropriate for you where you live, and for complying with all laws that apply to you.
Trader Wallet is non-custodial, multi-chain, hierarchical-deterministic wallet software that lets you generate and manage blockchain wallets and interact with public blockchains and third-party protocols. Depending on availability, the App may let you:
The Services are a technical tool that helps you interact with blockchains and third-party protocols. We do not operate an exchange, do not hold or control your assets, do not act as a broker, dealer, custodian, money transmitter, exchange, or financial intermediary, and do not execute transactions on your behalf. Every action is initiated and authorized by you and is settled by the relevant blockchain or third-party protocol. Features may be added, changed, suspended, or removed at any time.
The Wallet is self-custodial. You, and only you, hold your recovery phrase and private keys and control your digital assets at all times. We never take possession or control of your assets, and title to your assets never passes to us. Because we do not control your assets, we cannot freeze, seize, reverse, or recover them, and we cannot transact on your behalf. You can access your assets at any time using your recovery phrase, including in other compatible wallets.
We do not store, back up, or have any access to your recovery phrase or private keys. If you lose your recovery phrase, we cannot recover it, and you will permanently and irreversibly lose access to your digital assets. There is no password reset, no support line, and no technical procedure that can restore access.
You are solely responsible for:
No legitimate feature of Trader Wallet, and no member of our team, will ever ask you for your recovery phrase. We are not liable for losses resulting from lost or compromised credentials, compromised devices, malware, phishing, user error, or transactions you authorize.
You can use the Wallet without an account (Guest mode). Certain optional features let you sign in with Google, Apple, or email through our authentication provider. If you create an account, you are responsible for maintaining the confidentiality of your sign-in credentials and for activity under your account. An account is a convenience feature for the Services and does not give us any access to or control over your Wallet, recovery phrase, keys, or funds.
Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use the App on a device you own or control, and to access the Site, for their intended personal purpose. You must not, except to the extent permitted by law: copy, modify, adapt, translate, or create derivative works of the Services; reverse-engineer, decompile, or disassemble the App; rent, lease, lend, sell, sublicense, or distribute the Services; remove any proprietary notices; use the Services to build a competing product; or circumvent any security or access control. All rights not expressly granted are reserved.
The App is free to download and hold assets in. Certain features carry a service fee that we charge. Each service fee is collected automatically on-chain, in cryptocurrency, as part of the transaction, and is reflected in the quote shown to you before you confirm. Current service fees are:
| Feature | Service fee |
|---|---|
| In-app token swaps and cross-chain bridges | 0.8% of the transaction amount |
| Hyperliquid perpetual-futures trading (builder fee) | 0.08% of order value |
| Tokenized-stock transfers | a small fixed fee per transfer |
Network (gas) fees are separate and are not paid to us. Every blockchain transaction also incurs a network fee paid to the blockchain's validators or miners. In addition, third-party protocols you interact with may charge their own fees (for example, protocol, liquidity, or trading fees). You are responsible for all such fees.
We may introduce, change, or remove service fees from time to time. The current service fee is always shown in the App before you confirm a transaction, and material changes will be reflected in an updated version of these Terms. Because fees are collected on-chain in cryptocurrency, we do not process credit-card, debit-card, or bank payments, and there are no recurring subscription charges for these features. On-chain transactions are final; service fees and network fees are generally non-refundable.
You are solely responsible for determining, reporting, and paying any taxes, duties, or levies that apply to your use of the Services and your digital-asset activity, including any tax arising from swaps, trades, staking or lending rewards, airdrops, or disposals. We do not provide tax advice, do not withhold taxes on your behalf, and do not report your activity to tax authorities except where required by law. You should consult a qualified tax adviser about your obligations.
The Services let you interact with independent third parties, including blockchain networks; decentralized exchanges and aggregators (such as 0x, Jupiter, and LI.FI); bridges; staking and lending protocols; trading venues (such as Hyperliquid); blockchain RPC and data providers; price providers; and our AI provider (Anthropic). These third parties are not controlled or operated by us and are governed by their own terms and policies.
We do not endorse, guarantee, or assume responsibility for any third-party protocol, smart contract, quote, price, route, availability, security, or outcome. Your use of third-party protocols is at your own risk and may be subject to their own fees, limits, and risks, including smart-contract risk and total loss. Any dispute relating to a third-party service is solely between you and that third party. We are not liable for any delay, loss, or damage arising from a third-party service.
Blockchain transactions are irreversible once broadcast to a network. We cannot cancel, reverse, refund, or modify a transaction; recover assets sent to an incorrect, incompatible, or unintended address or network; or intervene in the behavior of any smart contract. You are solely responsible for confirming all transaction details before signing. Sending assets to the wrong address or on the wrong network typically results in permanent loss.
The in-app AI assistant ("Grunwald") provides automated, general-purpose responses generated by a third-party AI provider. AI output may be inaccurate, incomplete, outdated, or unsuitable for your situation, and must not be relied upon as professional advice (see Section 14). You are responsible for independently verifying any information before acting on it. Do not enter your recovery phrase, private keys, passwords, or other secrets into the assistant. Your use of the assistant is also subject to Section 11 (Third-party services).
Nothing in or provided through the Services constitutes investment, financial, trading, tax, accounting, or legal advice, or a solicitation or recommendation to buy, sell, or hold any digital asset or to enter into any transaction. All information, prices, charts, market data, and AI-generated content are provided for general informational purposes only and may be inaccurate or incomplete. You are solely responsible for your own decisions and for conducting your own research and due diligence, and you should consult a qualified professional before making financial decisions.
Your use of the Services does not create any fiduciary, advisory, agency, partnership, joint-venture, trustee, or similar relationship between you and us. We act solely as a provider of self-custodial software. We owe you no fiduciary duties, and we do not manage your assets or make decisions on your behalf.
Digital assets are highly volatile and carry substantial risk, including the risk of total loss. By using the Services, you acknowledge and accept the following risks, among others:
You represent that you understand these risks, that you are using the Services on your own initiative, and that you can bear the financial consequences, including total loss.
You agree to use the Services only for lawful purposes. You must not:
You represent and warrant that you are not subject to, and will not use the Services in violation of, any economic or trade sanctions administered by the European Union, the United Nations, the United States (including OFAC), the United Kingdom, or any other relevant authority, and that you are not located in a comprehensively sanctioned jurisdiction. You agree to comply with all applicable anti-money-laundering, counter-terrorist-financing, sanctions, and export-control laws. You are responsible for ensuring that your source of funds and your use of the Services are lawful. We may take steps we reasonably consider necessary to comply with applicable law.
We may make beta, preview, or experimental features available to help us develop the Services. Such features are provided "as is", may be incomplete or unstable, may change or be withdrawn at any time, and may carry additional risk. You use them at your own discretion and risk.
From time to time you may receive airdrops, staking or lending rewards, or promotional benefits in connection with third-party protocols or our own campaigns. Any such benefit is subject to the rules and eligibility criteria that apply to it and, where provided by a third party, to that third party's terms. We do not guarantee the availability, value, or continuation of any airdrop, reward, or promotion, and unsolicited tokens that appear in your Wallet may be scams or may carry risk; interact with them with caution.
We may release updates, upgrades, patches, or new versions of the App from time to time, which may be required for continued use, for security, or for compatibility. Depending on your device settings and the app marketplace, updates may install automatically. We may modify, suspend, or discontinue any part of the Services at any time. We are not obligated to provide support or maintain backward compatibility for older versions.
The App, the Site, the Trader Wallet name and logo, and all related software, content, and design that we provide are owned by Trader Wallet sp. z o.o. or its licensors and are protected by intellectual-property laws. Subject to these Terms, we grant you the limited license described in Section 8. Open-source components are governed by their respective licenses, which prevail over these Terms to the extent of any conflict. All rights not expressly granted are reserved.
If you send us feedback, ideas, or suggestions about the Services, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them for any purpose without obligation or compensation to you. You represent that you have the right to provide such feedback and that it does not infringe the rights of any third party.
The Services may contain links to third-party websites, protocols, blockchain explorers, or applications that we do not operate or control. We provide these links for convenience only and are not responsible for the content, products, services, or practices of any third party. Accessing third-party services is at your own risk and subject to their terms.
To the maximum extent permitted by law, the Services are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Services will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that any quote, price, data, or AI output will be accurate or reliable. Nothing in this section limits any warranty or right that cannot be excluded or limited under the law that applies to you, including mandatory consumer rights.
To the maximum extent permitted by law, Trader Wallet sp. z o.o. and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, digital assets, data, goodwill, or opportunity, arising out of or relating to your use of, or inability to use, the Services. This includes, without limitation, losses caused by price movements, third-party protocols, smart-contract behavior, blockchain events, lost or compromised keys, phishing, or unauthorized access to your device or Wallet.
Because the Services are non-custodial and free to use for their core functionality, and to the extent permitted by law, our total aggregate liability for all claims relating to the Services is limited to the total amount of service fees you paid to us in the three (3) months preceding the event giving rise to the claim.
If you are a consumer, nothing in these Terms limits or excludes any liability or right that cannot be limited or excluded under the mandatory consumer-protection law that applies to you, and your statutory rights remain unaffected.
To the extent permitted by law, you agree to indemnify and hold harmless Trader Wallet sp. z o.o. and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, and reasonable costs and expenses (including reasonable legal fees) arising out of or relating to your use of the Services, your violation of these Terms, or your violation of any law or the rights of any third party. This obligation does not apply to the extent a loss results from our own willful misconduct or gross negligence, or where such indemnity is not permitted by law.
You may stop using the Services at any time. Because the Services are non-custodial, you can always access your assets using your recovery phrase in any compatible wallet, independently of us. We may suspend, restrict, or discontinue all or part of the Services, or restrict access to them, where reasonably necessary (for example for legal, security, technical, or operational reasons). Provisions that by their nature should survive termination will survive, including Sections 9 (as to accrued fees), 10, 11, 12, 14, 15, 16, 22, 23, 25, 26, 27, 33, and 34.
We may update these Terms as the Services and applicable laws evolve. Material changes will be reflected by an updated effective date and, where appropriate, notice in the App or on the Site. Your continued use of the Services after the changes take effect constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Services.
By using the Services, you consent to receive communications from us electronically, such as in-app messages, notices on the Site, or emails, and you agree that such electronic communications satisfy any legal requirement that a communication be in writing. We may give you notice through these channels; notices are deemed given when sent or posted. You may contact us using the details in Section 35.
The following applies if you download the App from the Apple App Store. You acknowledge and agree that:
The following applies if you download the App from Google Play. Your use of the App is also subject to the Google Play Terms of Service. You acknowledge that Google is not a party to these Terms and is not responsible for the App. To the extent of any conflict between these Terms and the Google Play Terms of Service with respect to your download or use of the App through Google Play, the Google Play Terms of Service will govern solely for that purpose.
These Terms and any dispute arising out of or relating to them or the Services are governed by the laws of Poland, without prejudice to any mandatory consumer-protection rules of the country in which you are habitually resident. We encourage you to contact us first at contact@trader-wallet.com so that we can try to resolve any issue informally.
If you are a consumer resident in the European Union, you may also submit disputes to the European Commission's Online Dispute Resolution (ODR) platform. Nothing in these Terms deprives you of the protection of, or your right to bring proceedings before, the courts that are available to you under the applicable mandatory law.
Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Services and supersede any prior agreements on that subject.
Severability. If any provision is found unenforceable, the remaining provisions remain in full force, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.
No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or transfer of assets.
Relationship of the parties. Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and us.
Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including network failures, blockchain outages, or acts of government.
Language. These Terms are drafted in English. Any translation is provided for convenience only; in the event of a conflict, the English version prevails to the extent permitted by applicable law.
Headings. Headings are for convenience only and do not affect interpretation.
For any question about these Terms, contact:
Trader Wallet sp. z o.o.
ul. Złota 2-19, 15-016 Białystok, Poland
Email: contact@trader-wallet.com