Terms of Use

1. Who we are

SAI Labs LLC operates a non-custodial software wallet and related interfaces. We are not a bank, credit institution, electronic money institution, money transmitter, broker, exchange, dealer, investment adviser or crypto-asset service provider. We do not take custody of your private keys, seed phrases or crypto-assets, and we do not ourselves buy, sell, exchange or transmit fiat currency or crypto-assets on your behalf.

Questions about these Terms: info@sai-labs.pro.

2. The Services

The Services may include a non-custodial wallet interface, blockchain analytics, cross-chain bridging, staking interfaces, token swaps routed through third-party protocols, and access to independently licensed fiat on-ramp and off-ramp partners. Not all features are available in every jurisdiction or to every user. We may add, change or withdraw features at any time.

3. Non-custodial wallet

SAI Wallet is a non-custodial interface. You alone control your seed phrase, private keys and devices. We do not store, receive or recover your keys and cannot reverse, cancel or recall on-chain transactions once they are broadcast. You are solely responsible for securing your credentials and for any activity originating from your wallet.

4. Third-party on-ramp, off-ramp and swap services

Buy-crypto (on-ramp), sell-crypto (off-ramp) and certain swap or conversion services are not provided by SAI. They are provided by independently licensed third-party partners. SAI only displays an interface that lets you start a transaction with the partner that is available in your region. The partner is the merchant of record and the regulated provider of those services. SAI is not a party to your contract with the partner and is not responsible for their KYC decisions, payment processing, settlement, refunds, chargebacks or support.

Depending on your location and the product you use, those partners currently include or may include:

• MoonPay. Fiat-to-crypto and crypto-to-fiat services made available through SAI Wallet are provided by MoonPay (including the relevant MoonPay group entity for your jurisdiction), not by SAI. MoonPay provides the regulated payment and virtual-asset services. By using MoonPay through the Services you agree to MoonPay’s MoonPay Terms of Use and MoonPay Privacy Policy. Crypto-assets can be risky and values may decrease quickly. Transfers are irreversible once broadcast to the blockchain. The quoted exchange rate may include a spread. Learn more at moonpay.com/legal.
• Transak. On-ramp and off-ramp services made available through SAI Wallet may be provided by Transak. You must review and accept Transak’s Transak Terms of Service and Transak Global Privacy Policy as part of the Transak user journey. Transak’s terms are incorporated into these Terms for any Transak transaction you start from the Services. United States users should also review Transak’s Transak US Privacy Notice.
• Banxa. On-ramp and off-ramp services made available through SAI Wallet may be provided by Banxa. You are leaving SAI and transacting with Banxa, a separate third-party platform that is the merchant of record for the payment. By proceeding you agree to Banxa’s Banxa Customer Terms & Conditions and Banxa Privacy and Cookies Policy. Additional Banxa, AXNAB, Zero Hash or Bridge agreements may apply by jurisdiction or payment method and will be presented before you transact. Banxa support: support@banxa.com.
• Banxe. Fiat account, payment or crypto-related services made available through SAI Wallet may be provided by Banxe and its licensed partners, not by SAI. Banxe is a separate platform. By proceeding you agree to Banxe’s Banxe Privacy Policy and the Banxe terms, risk disclosures and partner agreements presented in the Banxe flow, including the Banxe Cryptocurrency Risk Disclosure. Banxe support: support@banxe.com.

When you start an on-ramp, off-ramp or partner-powered swap, you must complete any identity verification the partner requires and you authorise SAI to pass the partner the limited technical data needed to open that session (for example a destination wallet address, quoted asset, amount and a session identifier). You form a direct customer relationship with that partner. Their KYC, AML, sanctions, refund and support rules apply. If a partner asks you to accept their terms in our interface, one acceptance may cover both SAI’s Terms and that partner’s terms.

5. Eligibility and restricted use

You must be at least 18 years old (or the age of majority in your jurisdiction, if higher) and have full legal capacity. You may not use the Services if you are located in, resident of, or a national of a jurisdiction where crypto-asset or fiat on-ramp/off-ramp activity is prohibited, or if you are subject to sanctions administered by the United Nations, United States (OFAC), United Kingdom, European Union or other applicable authority. Partners independently apply their own unsupported-country and unsupported-state lists. You must not use the Services for money laundering, terrorist financing, fraud, sanctions evasion or any other unlawful purpose.

6. KYC, AML and identity checks

Wallet software itself does not require identity verification. Licensed on-ramp, off-ramp and certain swap partners are required by law to perform Know Your Customer (KYC), anti-money laundering (AML) and sanctions screening. They may collect your name, date of birth, address, government identification, selfie or biometric images, payment details and source-of-funds information. SAI does not control those checks and cannot override a partner’s decision to approve, decline or limit a transaction.

7. Quotes, fees and settlement

Any quote shown in the Services is indicative until the partner or protocol confirms it. The amount you pay, network fees, partner fees (including a MoonPay Fee, Transak fee, Banxa fee or Banxe fee, as applicable), spreads and the crypto or fiat you receive are determined by the partner or protocol, not by SAI. Card statement descriptors may appear under the partner’s name or a processor’s name. Network congestion, slippage and failed transactions can change the final result. Crypto transfers cannot be cancelled, recalled or refunded once broadcast.

8. Swaps, bridges and staking

Token swaps, bridges and staking interfaces may route through unaffiliated protocols, liquidity venues or smart contracts. Those protocols have their own terms, risks, smart-contract bugs and irreversible settlement. SAI does not custody swapped assets and does not guarantee execution, pricing or recovery of lost funds.

9. No financial or investment advice

Any analytics, scores, strategy descriptions, quotes or educational content are for informational and research purposes only. They do not constitute financial, legal, tax or investment advice, an offer or solicitation, or a recommendation to buy, sell or hold any asset. You are solely responsible for your own decisions and for complying with local laws, including tax reporting.

10. Risk of loss

Using blockchains, stablecoins, on-ramps, off-ramps, swaps, bridges and staking involves significant risk, including complete loss of funds, smart-contract failure, protocol exploit, key loss, phishing, volatility, and regulatory change. Crypto-assets are not bank deposits, are generally not covered by deposit-protection schemes (including FDIC, FSCS or equivalent), and may lose value quickly. You use the Services at your own risk.

11. Intellectual property

SAI and its licensors own the Services, branding and content. You receive a limited, revocable, non-transferable licence to use the Services for personal, lawful purposes. You may not copy, reverse engineer, scrape or misuse the Services except as permitted by law.

12. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. We do not warrant that the Services will be uninterrupted, error-free, secure, or compatible with every wallet, network or partner.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SAI LABS LLC AND ITS AFFILIATES, DIRECTORS AND SUPPLIERS ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, LOST CRYPTO-ASSETS, BUSINESS INTERRUPTION, OR PARTNER/PROTOCOL FAILURES, EVEN IF ADVISED OF THE POSSIBILITY. OUR AGGREGATE LIABILITY ARISING OUT OF THE SERVICES SHALL NOT EXCEED ONE HUNDRED US DOLLARS (US $100) OR THE AMOUNT YOU PAID US FOR THE SERVICES IN THE TWELVE MONTHS BEFORE THE CLAIM, WHICHEVER IS GREATER. Some jurisdictions do not allow certain limitations; in those places our liability is limited to the maximum extent permitted.

14. Indemnity

You will indemnify and hold harmless SAI Labs LLC from claims, losses and expenses (including reasonable legal fees) arising from your use of the Services, your violation of these Terms or applicable law, or your dispute with a third-party partner, protocol or other user.

15. Changes and termination

We may update these Terms from time to time as the product, partners or law evolve. The “Last updated” date above will change when we do. Continued use after publication means you accept the revised Terms. We may suspend or terminate access if we believe you breached these Terms or that continued use would create legal, sanctions or security risk. You may stop using the Services at any time. On-chain assets remain under your key control; partner accounts remain subject to that partner’s rules.

16. Governing law

These Terms are governed by the laws applicable to SAI Labs LLC, without regard to conflict-of-law rules. Courts of competent jurisdiction shall have exclusive venue, except where mandatory consumer-protection law of your country of residence requires otherwise. If a provision is unenforceable, the rest remains in effect.

17. Contact

SAI Labs LLC — info@sai-labs.pro. For issues with a MoonPay, Transak, Banxa or Banxe transaction, contact that partner’s support directly; SAI cannot reverse their payments or KYC outcomes.