Ziwio Terms of Service
Last Updated: January 2025
1. Acceptance of Terms
By accessing or using Ziwio ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.
2. Description of Service
Ziwio is a comprehensive blockchain and cryptocurrency application that provides:
- Multi-chain cryptocurrency wallet services (Bitcoin, Ethereum, Solana, Polygon, and 20+ other networks)
- NFT marketplace and collection management
- Stock and cryptocurrency trading integration
- Staking and DeFi services
- Cross-chain bridging capabilities
- Real World Asset (RWA) tokenization
- Token and NFT launchpad services
- AI-powered trading insights
3. Eligibility
You must be at least 18 years old to use Ziwio. By using the App, you represent and warrant that:
- You are of legal age to form a binding contract
- You are not prohibited from using the App under applicable laws
- You will comply with all local, state, national, and international laws and regulations
4. Wallet and Private Keys
4.1 Self-Custody
Ziwio is a self-custodial wallet. You are solely responsible for:
- Maintaining the security of your private keys, seed phrases, and passwords
- All transactions made from your wallet
- Any loss of funds due to lost or compromised credentials
4.2 No Recovery
IMPORTANT: Ziwio does not store your private keys or seed phrases. If you lose your credentials, we cannot recover your wallet or funds. You are responsible for securely backing up your seed phrase.
4.3 Wallet Security
You agree to:
- Never share your seed phrase or private keys with anyone
- Use biometric authentication when available
- Keep your device secure and updated
- Immediately notify us if you suspect unauthorized access
5. Financial Services
5.1 Trading Services
- Trading services are provided through third-party integrations (Alpaca, Binance, Coinbase, etc.)
- We are not a registered broker-dealer or investment advisor
- All trading decisions are your own responsibility
5.2 No Investment Advice
- Ziwio does not provide investment, legal, or tax advice
- All information provided is for informational purposes only
- You should consult with qualified professionals before making investment decisions
5.3 Risk Disclosure
Cryptocurrency and blockchain investments involve substantial risk, including:
- Complete loss of principal
- High volatility and price fluctuations
- Regulatory uncertainty
- Smart contract vulnerabilities
- Network congestion and failed transactions
6. Third-Party Services
Ziwio integrates with third-party services including:
- Exchange APIs: Binance, Coinbase, Kraken, Gemini, Bitfinex
- Stock Trading: Alpaca Markets
- Blockchain Networks: Ethereum, Bitcoin, Solana, Polygon, and others
- Bridge Protocols: LayerZero, Wormhole
- Price Data: CoinGecko, CoinMarketCap
You agree to comply with the terms of service of all third-party providers. We are not responsible for third-party service availability, accuracy, or actions.
7. Fees and Charges
7.1 Network Fees
You are responsible for all blockchain network fees (gas fees, transaction fees) required to process your transactions.
7.2 Third-Party Fees
Third-party services (exchanges, bridges) may charge their own fees, which are separate from Ziwio.
7.3 No Hidden Fees
Ziwio does not charge hidden fees. All applicable fees will be disclosed before you confirm a transaction.
8. Prohibited Activities
You agree NOT to:
- Use the App for illegal activities or money laundering
- Attempt to hack, reverse engineer, or compromise the App
- Use the App to infringe on intellectual property rights
- Create fake accounts or impersonate others
- Manipulate markets or engage in fraudulent trading
- Use the App in jurisdictions where it is prohibited
- Violate any applicable laws or regulations
9. NFT and Token Launchpad
9.1 User-Generated Content
- You retain ownership of NFTs and tokens you create
- You are responsible for ensuring you have rights to all content you upload
- You grant Ziwio a license to display your content within the App
9.2 No Endorsement
Ziwio does not endorse any user-created tokens or NFT collections. We do not verify the legitimacy, value, or compliance of user-generated assets.
9.3 Smart Contract Risks
Tokens and NFTs are governed by smart contracts. You acknowledge that smart contracts may contain bugs or vulnerabilities.
10. Real World Assets (RWA)
- RWA tokenization services are experimental
- We do not verify the authenticity of real-world assets
- Legal title and ownership verification is your responsibility
- Consult legal professionals before tokenizing real-world assets
11. Intellectual Property
11.1 Ziwio's Rights
All App content, design, logos, and trademarks are owned by Ziwio. You may not use our intellectual property without permission.
11.2 User Content
You retain rights to your content but grant Ziwio a worldwide, non-exclusive license to use, display, and distribute it within the App.
12. Privacy
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.
13. Disclaimers
13.1 "AS IS" Service
ZIWIO IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
13.2 No Guarantees
We do not guarantee:
- Uninterrupted or error-free service
- Accuracy of price data or information
- Successful transaction execution
- Compatibility with all devices or networks
13.3 Network Risks
Blockchain networks may experience:
- Delays or congestion
- Forks or chain reorganizations
- Failed or reversed transactions
- Smart contract exploits
14. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ZIWIO SHALL NOT BE LIABLE FOR:
- Any indirect, incidental, special, or consequential damages
- Loss of profits, data, or cryptocurrency
- Damages resulting from third-party services
- Damages exceeding the amount you paid to Ziwio in the past 12 months (if any)
15. Indemnification
You agree to indemnify and hold harmless Ziwio, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:
- Your use of the App
- Your violation of these Terms
- Your violation of any laws or third-party rights
- Your wallet transactions
16. Termination
16.1 Your Rights
You may stop using Ziwio at any time. Your wallet and funds remain accessible through your seed phrase.
16.2 Our Rights
We reserve the right to:
- Suspend or terminate access for violations of these Terms
- Discontinue the App with reasonable notice
- Modify or remove features
16.3 Effect of Termination
Upon termination, your wallet remains accessible via your seed phrase, but you may lose access to App-specific features.
17. Dispute Resolution
17.1 Governing Law
These Terms are governed by applicable laws in your jurisdiction, without regard to conflict of law principles.
17.2 Arbitration
Any disputes shall be resolved through binding arbitration, except where prohibited by law.
17.3 Class Action Waiver
You agree to resolve disputes individually and waive the right to participate in class actions.
18. Changes to Terms
We may update these Terms at any time. Continued use of the App after changes constitutes acceptance of the updated Terms. Material changes will be notified through the App.
19. Regulatory Compliance
19.1 AML/KYC
Certain features may require identity verification to comply with anti-money laundering (AML) and know-your-customer (KYC) regulations.
19.2 Geographic Restrictions
Some features may not be available in all jurisdictions due to regulatory restrictions.
19.3 Tax Obligations
You are responsible for determining and paying all applicable taxes on your transactions.
20. Contact Information
For questions about these Terms, please contact:
Email: arseniospapa@gmail.com
Website: www.ziwio.net
21. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
22. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ziwio.
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By using Ziwio, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.