These Terms of Service (“Terms”) apply specifically to your use of the Ebioro Wallet, a non-custodial digital asset wallet provided by Ebioro UAB (“Ebioro,” “we,” “us,” or “our”). These Terms do not apply to Ebioro Enterprise or any other custodial service we may offer. A separate Terms of Service document governs such services.

By accessing or using the Ebioro Wallet, you agree to these Terms. If you do not agree, do not use the Wallet.

1. Scope of These Terms

These Terms govern your access to and use of the Ebioro Wallet. Ebioro provides only the technical interface for interacting with supported blockchains and smart contracts. We do not custody user funds, nor do we hold or control your private keys.

2. Non-Custodial Nature

The Ebioro Wallet is non-custodial. This means:

• You are solely responsible for managing your private keys and recovery credentials.
• Ebioro cannot access, retrieve, or reverse blockchain transactions.
• Ebioro does not hold your funds, tokens, or stablecoins.

We may offer an optional account recovery mechanism via the Stellar SEP-30 standard. However:

• This mechanism only applies to accounts that explicitly opt in.
• Ebioro will rely on third-party recovery providers.
• We cannot guarantee recovery in all cases.

3. Our Role

We provide a software interface to supported blockchains, primarily Stellar and Soroban smart contracts. We do not:

• Act as a custodian, broker, or intermediary.
• Store your private keys.
• Reverse blockchain transactions.

4. User Responsibilities

By using the Ebioro Wallet, you agree to:

• Safeguard your private keys, seed phrases, and PIN codes.
• Ensure your recovery mechanisms (e.g., passkeys, biometrics) are correctly set up.
• Verify recipient addresses and transaction parameters before approval.
• Only use supported assets.

You acknowledge that:

• Blockchain transactions are irreversible.
• Interacting with smart contracts involves risks, including potential bugs or vulnerabilities.
• Using unsupported tokens may result in loss of funds.

5. Risks and Disclaimers

You understand and accept the inherent risks of using blockchain-based services:

• Digital asset values are volatile and may rapidly lose value.
• Transaction errors (e.g., wrong address, incorrect amount) are not reversible.
• Network congestion, upgrades, or forks may delay or disrupt services.
• Smart contracts may contain bugs or operate unexpectedly.

Ebioro makes no guarantees regarding:

• Asset prices, liquidity, or market behavior.
• Transaction confirmation times.
• Recovery of funds lost due to user error, device compromise, or blockchain faults.

Use the Wallet at your own risk.

6. AML/CTF Compliance

Ebioro is committed to preventing financial crime. We follow the rules and guidance of:

• The European Union
• The United Nations
• The Financial Action Task Force (FATF)

We do not follow U.S. financial laws unless required under international agreements or cooperation.

You may be required to complete KYC procedures before accessing certain Wallet features (e.g., off-ramp integration). Failure to comply may result in restricted access.

7. Supported Assets

The Ebioro Wallet supports a specific list of digital assets (primarily Stellar-based stablecoins such as USDC and EURS).

Sending unsupported tokens to Wallet-managed contracts may result in permanent loss. It is your sole responsibility to:

• Confirm asset support
• Use compatible token standards
• Avoid smart contract interactions outside our official documentation

8. Transaction Finality

• All blockchain transactions are final and irreversible once broadcast to the network.
• We do not offer refunds.
• We cannot reverse or retrieve tokens.

9. SEP-30 Key Recovery (If Enabled)

If you opt into our SEP-30 account recovery service:

• You authorize Ebioro and its recovery partners to store encrypted key shards.
• Ebioro will only initiate recovery after successful identity verification.
• Recovery success depends on the security of your device, identity verification, and third-party uptime.

Recovery is not guaranteed. Ebioro is not liable if:

• Your recovery credentials are lost or compromised.
• SEP-30 recovery partners fail.
• You fail to verify your identity to recovery providers.

10. Limitation of Liability

To the maximum extent permitted by law, Ebioro is not liable for:

• Losses from user error, private key loss, or device theft
• Delays, bugs, or downtime in the Wallet interface
• Loss of funds due to smart contract failures
• Incompatibility with other applications or wallets
• Acts of God, war, or regulatory changes

Our total liability is limited to zero (0) EUR for free users.

11. Data and Privacy

We collect minimal personal data, primarily for KYC-optional features. All processing is governed by the Ebioro Privacy Policy and applicable EU GDPR standards.

Data written to the blockchain (e.g., public keys, transaction metadata) is permanent and public. Ebioro has no ability to alter or delete this data.

12. Termination

We may suspend or restrict Wallet access if you:

• Violate these Terms
• Attempt to use unsupported features
• Fail KYC/AML verification (where required)

You may stop using the Wallet at any time. Simply uninstall the application.

13. Intellectual Property

All logos, interface designs, and source code (except open-source components) are the property of Ebioro UAB. You may not reproduce, resell, or reverse-engineer the Wallet.

14. Governing Law

These Terms are governed by the laws of the Republic of Lithuania, where Ebioro UAB is incorporated. Disputes shall be resolved in the competent courts of Vilnius, Lithuania.

15. Contact Us

For custodial services, merchant tools, and off-ramp transactions, please refer to the Ebioro Enterprise Terms of Service.