package com.tangem.features.disclaimer.impl.local

/* saved from url=(0034)https://tangem.com/tangem_tos.html*/
internal val localTermsOfServices = """
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    <title>Legal Disclaimer</title>
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  <body>
    <p>
      PLEASE READ THESE TERMS OF SERVICE (HEREINAFTER THE “TERMS”) CAREFULLY. BY
      CLICKING TO ACCEPT, OR BY ACCESSING OR USING OUR SERVICES, YOU AGREE THAT
      YOU HAVE READ, UNDERSTOOD, AND ACCEPT ALL OF THE TERMS AND CONDITIONS
      CONTAINED HEREIN EITHER DIRECTLY OR INCORPORATED BY REFERENCE. BY
      PURCHASING TANGEM WALLET OR BY USING TANGEM WALLET, OR BY USING TANGEM’S
      MOBILE APPLICATION, YOU DEMONSTRATE YOUR AGREEMENT TO THE TERMS AND
      CONDITIONS CONTAINED HEREIN.
    </p>

    <h3>1. DEFINITIONS</h3>
    <p>
      <strong>“Blockchain Asset”</strong> refers to digital assets, including
      but not limited to cryptocurrencies, that can be managed through the
      Tangem Wallet.
    </p>
    <p>
      <strong>“Blockchain Address”</strong> means a unique identifier that
      serves as a virtual location of the Blockchain Asset in the blockchain.
    </p>
    <p>
      <strong>“DeFi Protocols”</strong> means decentralized finance protocols
      operated by independent third parties on public blockchain networks, such
      as protocols that enable users to allocate Blockchain Assets for liquidity
      provision or lending activities.
    </p>
    <p>
      <strong>“Official Mobile Application”</strong> means a non-custodial
      technical software interface developed and distributed by Tangem,
      providing interoperability between Tangem Wallet and a blockchain or DeFi
      Protocol, and working on NFC-capable smartphones and tablets using Google
      Android and Apple iOS operation systems.
    </p>
    <p>
      <strong>“Official Website”</strong> means the website owned and operated
      by Tangem, located at <a href="https://tangem.com">https://tangem.com</a>,
      and all of its subdomains.
    </p>
    <p>
      <strong>“Privacy Policy”</strong> means a document that explains how
      Tangem collects, handles, stores, and protects the personal information of
      its users located at:
      <a href="https://tangem.com">https://tangem.com</a>
      and incorporated herein by reference.
    </p>
    <p>
      <strong>“Private Key”</strong> means a secret cryptographic key which
      provides full control over the Blockchain Assets associated with a
      Blockchain Address.
    </p>
    <p>
      <strong>“Public Key”</strong> means a cryptographic key, which provides
      access to information about a Blockchain Address.
    </p>
    <p>
      <strong>“Recovery Phrase”</strong> means a recovery phrase (also known as
      a seed phrase) that acts as a key to unlock access to a Private Key.
    </p>
    <p>
      <strong>“Services”</strong> means the purchase and/or use of Tangem Wallet
      and the services or any other features, technologies or functionalities
      linked to the Tangem Wallet provided or operated by Tangem via the
      Official Website or Official Mobile Application, excluding any Third-Party
      Services, which are provided solely by independent third parties under
      their own terms.
    </p>
    <p>
      <strong>“Tangem”</strong> means Tangem AG, a company incorporated under
      the laws of Switzerland (registration number: CHE-390.112.525), with a
      registered address at Baarerstrasse 10, CH-6300 Zug.
    </p>
    <p>
      <strong>“Tangem Wallet”</strong> means physical card, ring or any other
      physical device which stores the Private Key and Public Key associated
      with a Blockchain Address and/or can be used as a backup card.
    </p>
    <p>
      <strong>“Transaction”</strong> means transfers of Blockchain Asset from
      the Blockchain Address associated with the Public Key stored on the Tangem
      Wallet.
    </p>
    <p>
      <strong>“User”</strong> refers to an individual who owns a Tangem Wallet
      or uses the Official Mobile Application.
    </p>
    <p>
      <strong>“Yield Services”</strong> means the functionality within the
      Official Mobile Application that enables Users to access DeFi Protocols to
      allocate Blockchain Assets for potential yield generation, operated solely
      by independent third-party protocols. The Official Mobile Application
      provides a non-custodial software interface only.
    </p>

    <h3>2. DISCLAIMER</h3>
    <p>
      2.1. Blockchain Assets are virtual currencies, digital representations
      which may or may not represent access to real-world assets or claims, and
      that are neither issued by a central bank of any state or public authority
      attached to a conventional currency, but may be used by any natural or
      legal persons as a means of exchange and can be transferred, stored or
      traded electronically.
    </p>
    <p>
      2.2. Blockchain technologies and related services are subject to
      continuous regulatory changes and scrutiny around the world, including but
      not limited to sanctions, anti-money laundering and financial regulations.
      Given the peer-to-peer nature of blockchain transactions, there is no way
      to determine whether the counterparty to any transaction is a sanctioned
      person. User acknowledges that certain Services, including their
      availability, could be impacted by one or more regulatory requirements.
    </p>
    <p>
      2.3. There is considerable exposure to risk in the Blockchain Asset
      exchange transaction. Any transaction involving the Blockchain Asset
      involves risks including, but not limited to, the potential for changing
      economic conditions that may substantially affect the price or liquidity
      of the Blockchain Asset. Investments in the Blockchain Asset exchange
      speculation may also be susceptible to sharp rises and falls as the
      relevant market values fluctuate. It is for this reason that when
      speculating in such markets it is advisable to use only risk capital.
    </p>
    <p>
      2.4. Tangem does not have the ability to reverse a transaction that is
      submitted to a blockchain protocol. User is responsible for ensuring that
      any Transaction details are accurate and complete. Tangem does not have
      the ability to review the accuracy of Transactions, and is not responsible
      for any losses due to User errors, including an incorrectly constructed
      Transaction. Further, User acknowledges that since smart contracts
      typically cannot be stopped or reversed, vulnerabilities in their
      programming and design or other vulnerabilities that may arise due to
      hacking or other security incidents can have adverse effects to Blockchain
      Assets, including but not limited to significant volatility and risk of
      loss.
    </p>
    <p>
      2.5. No part of the information herein or on the Official Mobile
      Application should be considered to be business, legal, financial or tax
      advice. The User should consult their own legal, financial, tax or other
      professional advisor regarding the matter. Tangem does not have a
      fiduciary relationship or obligation to the User regarding any decisions
      or activities effected when using the Services. No advice or information,
      whether oral or written, obtained from Tangem, or through the Services,
      will create any warranty or representation not expressly made herein.
    </p>
    <p>
      2.6. By using the Services, User represents that Tangem is not responsible
      for providing any tax information or tax reporting, and User agrees that
      it is responsible for determining the amount of, reporting and paying any
      and all taxes, duties and assessments now or hereafter claimed or imposed
      by any governmental authority associated with your use of the Services,
      including any Transactions.
    </p>
    <p>
      2.7. Non-custodial nature. Tangem provides non-custodial wallet software
      only. Tangem is not a bank, broker, exchange, money services business, or
      other financial institution, and does not provide regulated financial
      services. Tangem does not custody, control, or possess User assets and
      does not execute transactions on User’s behalf.
    </p>

    <h3>3. GENERAL PROVISIONS</h3>
    <p>
      3.1. These Terms are legally binding and govern the use of Tangem Wallet
      and/or Official Mobile Application provided by Tangem and the related
      services or any other features, technologies or functionalities linked to
      Tangem Wallet.
    </p>
    <p>
      3.2. Tangem Wallet may be used for storage of Private Key and Public Key
      to User’s Blockchain Assets and authentication of Transactions with the
      purpose of “peer-to-peer” transfer of Blockchain Assets to another
      blockchain address.
    </p>
    <p>
      3.3. Official Mobile Application is intended for usage only with Tangem
      Wallet, providing interoperability between Tangem Wallet and blockchain
      via NFC interface. Official Mobile Application DOES NOT:
    </p>
    <p class="inner">
      3.3.1. Generate, store, transmit, or have access to private (secret)
      cryptographic keys to Blockchain Addresses holding Blockchain Assets.
    </p>
    <p class="inner">
      3.3.2. Generate, store, transmit, or have access to secret keys,
      passwords, passphrases, recovery phrases that can be used to restore or to
      copy private (secret) keys to Blockchain Addresses holding Blockchain
      Assets.
    </p>
    <p class="inner">
      3.3.3. Provide exchange, brokerage, trading, investment, payment,
      remittance, or fiat on-ramp/off-ramp services on behalf of Tangem. Any
      such services are provided solely by Third-Party Services under their own
      terms.
    </p>
    <p>
      3.4. The Official Mobile Application is used to generate messages that are
      sent from your mobile device directly to the relevant blockchain and, if
      applicable, a DeFi Protocol. Transactions take place directly on the
      relevant blockchain network between your Blockchain Address and your
      counterparty’s Blockchain Address or the relevant DeFi Protocol. User
      acknowledges and agrees that Tangem is not party to any transactions
      conducted while using the Tangem Wallet or the Official Mobile
      Application, and does not have possession, custody or control over any
      Blockchain Assets. Tangem does not have possession or control of any
      Blockchain Assets (including staking rewards and earnings through yield
      protocols), and is unable to initiate or block transactions on your
      behalf.
    </p>
    <p>
      3.5. When using the Official Mobile Application, Users are able to
      construct and determine, at the User’s own discretion, the parameters that
      will apply to Transactions. Tangem is not advising on the merits of any
      particular transaction or its tax or legal consequences. User is solely
      liable for any transactions conducted using the Official Mobile
      Application, including all financial and tax consequences thereof. Tangem
      is not responsible for indicating, alerting or warning against any such
      matters. No content made available through the Official Mobile Application
      or the Official Website is intended as tax, legal, financial or investment
      advice, and nothing thereon should be construed as an offer to enter into
      any transaction or to buy or sell a security or other financial product or
      a solicitation, recommendation or advice in relation to any transaction.
      User agrees that it is not entering into an advisory relationship with
      Tangem.
    </p>
    <p>
      3.6. User represents and warrants that it is not a person or entity that
      is (a) the subject of any economic or trade sanctions administered or
      enforced by any governmental authority, including being designated on any
      list of prohibited or restricted parties by any governmental authority,
      such as the U.S. Treasury Department’s list of Specially Designated
      Nationals, the U.S. Department of Commerce Denied Persons List Entity
      List, the E.U. Consolidated List of persons and the U.K. Consolidated List
      of Financial Sanctions Targets, (b) located, a resident of or organized in
      any jurisdiction or territory that is the subject of comprehensive
      country-wide or regional economic sanctions or has been designated as
      “terrorist supporting” by the United Nations or the governmental authority
      of the European Union, United Kingdom or the United States, or (c) owned
      or controlled by such persons or entities listed in (a)-(b).
    </p>
    <p>
      3.7. User acknowledges and agrees that it is solely responsible for
      complying with all applicable laws of the jurisdiction in which User is
      located in connection with use of the Services.
    </p>

    <h3>4. INTELLECTUAL PROPERTY RIGHTS</h3>
    <p>
      4.1. <strong>License Grant.</strong> Subject to your compliance with these
      Terms, Tangem grants you a limited, non-exclusive, revocable,
      non-assignable, and non-sublicensable license to download and install a
      copy of the Official Mobile Application onto a compatible device that you
      own and control, and to use such copy of the Official Mobile Application
      solely for your personal, non-commercial use in conjunction with the
      Tangem Wallet. Tangem reserves all rights in the Official Mobile
      Application not expressly granted to you in these Terms.
    </p>
    <p>
      4.2. <strong>Ownership.</strong> The Official Mobile Application is
      licensed, not sold, to you. You agree that Tangem and its licensors own
      all rights, title, and interest in and to the Official Mobile Application,
      including all intellectual property rights therein. Tangem retains
      ownership of all copies of the Official Mobile Application even after
      installation on your device. You agree not to delete or in any manner
      alter the copyright, trademark, or other proprietary rights notices that
      may appear in the Official Mobile Application.
    </p>
    <p>
      4.3. <strong>Restrictions.</strong> Except as expressly specified in these
      Terms, you may not: (a) copy, modify, or create derivative works of the
      Official Mobile Application; (b) sell, rent, lease, distribute, transfer,
      sublicense, or otherwise assign any rights to the Official Mobile
      Application to any third party; (c) make the Official Mobile Application
      available over a network where it could be used by multiple devices at the
      same time; or (d) disassemble, decompile, reverse-engineer, or attempt to
      derive the source code of the Official Mobile Application, except to the
      extent such activities are expressly permitted by law.
    </p>
    <p>
      4.4. <strong>Updates.</strong> Tangem is not obliged to maintain or
      support the Official Mobile Application, or to provide you with updates or
      upgrades. You acknowledge that Tangem may, in its sole discretion, issue
      updates or upgrades and may automatically update or upgrade the version of
      the Official Mobile Application that you are using. You consent to such
      automatic updating and agree that these Terms will apply to all such
      updates.
    </p>
    <p>
      4.5. <strong>Termination of License.</strong> The license granted
      hereunder is effective until terminated. The license will terminate
      automatically without notice from Tangem if you breach any provision of
      these Terms. Upon termination, you must cease all use of the Official
      Mobile Application and promptly delete all copies of it.
    </p>
    <p>
      4.6. <strong>Reservation of Rights.</strong> These Terms confer only the
      right to use the Official Mobile Application while these Terms and the
      specified license are in effect, and they do not convey any rights of
      ownership. All rights, title, and interest in the Official Mobile
      Application, including any copyrights, patents, and trade secrets, will
      remain the sole property of Tangem.
    </p>
    <p>
      4.7. <strong>Patent.</strong> The technology incorporated in our Products,
      including but not limited to the "Wearable Device for Secure Signing of
      Blockchain Transactions", is protected by patent law. This includes, but
      is not limited to, U.S. Patent No. 12,307,443 B1, assigned to Tangem AG.
      Our Products may also be protected by other issued patents and pending
      patent applications in other jurisdictions.
    </p>

    <h3>5. COSTS</h3>
    <p>
      5.1. Costs, fees and commission (the “Costs”) may be charged in connection
      with the use of Tangem Wallet. These Costs are disclosed in Official
      Mobile Application to the User. Although we will attempt to provide
      accurate information regarding any Costs charged by third parties, such as
      blockchain “gas” or protocol fees, any such information reflects our
      estimate, which may vary from the Costs actually paid in connection with a
      Transaction. Tangem is not responsible for any Costs charged by a third
      party.
    </p>
    <p>
      5.2. User is responsible for reviewing and accepting all applicable fees
      before engaging in any Transaction. All Transactions are executed on the
      relevant blockchain network and/or via Third-Party Services and are
      generally irreversible and non-refundable. Tangem does not process or
      reverse Transactions.
    </p>
    <p>
      5.3. Amendments to our fees may be made at any time, and any updates will
      be disclosed transparently in the Official Mobile Application or on
      Tangem's website.
    </p>

    <h3>6. TANGEM WARRANTIES</h3>
    <p>
      6.1. <strong>Tangem Wallet Warranty.</strong> Under the condition that
      User exercises the duties of care as stated in Clause 7.1 hereof, Tangem
      guarantees that Tangem Wallet will function properly and without
      restriction for a period of 25 (twenty-five) years. In the event of a
      breakdown of Tangem Wallet without it being the fault of User due to
      reasons mentioned in Clause 7.1 hereof, Tangem will replace Tangem Wallet
      with a new one. User shall inform Tangem on the event of a breakdown by
      sending an e-mail to
      <a href="mailto:support@tangem.com">support@tangem.com</a>. If failed to
      resolve with support team of Tangem, User shall wait for instructions on
      safe shipping of Tangem Wallet.
    </p>
    <p>
      6.2. <strong>Service Discontinuation and Fund Accessibility.</strong> User
      acknowledges that the Official Mobile Application is the primary interface
      for managing the Tangem Wallet. In the event Tangem discontinues support
      for the Official Mobile Application, the User’s access to their Blockchain
      Assets is not lost. The User can use their Recovery Phrase, generated and
      stored by the User, to restore access to their Private Keys and associated
      Blockchain Assets in any third-party wallet application that supports the
      same industry standards (e.g., BIP39). The 25-year warranty in Clause 6.1
      applies exclusively to the physical integrity and cryptographic
      functionality of the Tangem Wallet’s chip and does not guarantee the
      perpetual availability of the Official Mobile Application.
    </p>
    <p>
      6.3. <strong>No access to critical data.</strong> Tangem does not have
      access to, collect, or store any personal financial data, including but
      not limited to credit card information, bank account details, or
      transaction histories associated with identifiable users. Additionally,
      Tangem’s core principle is that the User has full control over their
      assets. Tangem does not have access to and does not store the User's
      Private Keys, Recovery Phrase, PIN, passphrases, or other critical
      credentials required to control Blockchain Assets.
    </p>
    <p>
      6.4. To provide and improve the Services, including for purposes such as
      sending push notifications about transaction statuses, Tangem may collect
      and process a limited set of technical and usage data. The collection and
      processing of any personal data are performed strictly to deliver the
      functionality of the Services and are governed by the User's consent and
      the terms of our Privacy Policy. For a detailed description of the data we
      collect and the purposes for its use, please refer to our Privacy Policy.
    </p>
    <p>
      6.5. <strong>No backup.</strong> Tangem does not provide backup or
      recovery of Private Key and Public Key stored by Tangem Wallet.
    </p>
    <p>
      6.6. <strong>No duplication.</strong> The Tangem Wallet’s chip is designed
      to prevent the direct extraction, cloning, or duplication of the Private
      Key stored within its secure element. However, User acknowledges that the
      Recovery Phrase allows for the restoration of the Private Keys on other
      devices. The User is solely responsible for the secure storage and
      handling of their Recovery Phrase to prevent unauthorized access and
      duplication of their wallet.
    </p>

    <h3>7. USER RESPONSIBILITIES</h3>
    <p>7.1. User has the following duties of care:</p>
    <p class="inner">
      7.1.1. Upon receiving the Tangem Wallet, User should download Official
      Mobile Application in order to create the backup and if applicable
      determine the amount of Blockchain Asset stored through Official Mobile
      Application.
    </p>

    <p class="inner">
      7.1.2. User shall keep the means of access and Tangem Wallet with care and
      all Tangem Wallets separate from each other.
    </p>
    <p class="inner">
      7.1.3. User must always know where Tangem Wallet is and regularly ensure
      that it is still in their possession. User shall be the only person having
      physical access to Tangem Wallet and avoid even temporary possession of
      Tangem Wallet by any other person.
    </p>
    <p class="inner">
      7.1.4. User shall treat Tangem Wallet in the same manner as physical money
      (cash) and keep it safe. If Tangem Wallet is lost, stolen or destroyed,
      control over the corresponding Private Keys and any Blockchain Assets in
      any associated Blockchain addresses may be permanently lost.
    </p>
    <p class="inner">
      7.1.5. Before using the Tangem Wallet with Official Mobile Application,
      User shall locate Official Mobile Application in Google Play or Apple app
      store and install it as instructed in the Tangem Wallet box.
    </p>
    <p class="inner">
      7.1.6. Tangem Wallet shall be used only with Official Mobile Application
      and as instructed in the Tangem Wallet box.
    </p>
    <p class="inner">
      7.1.7. Official Mobile Application shall be the only source of information
      about the Blockchain Address of the Blockchain Asset and corresponding
      Public Key stored on Tangem Wallet.
    </p>
    <p class="inner">
      7.1.8. User shall only use Near-Field Devices (the “NFC”) devices that are
      capable of running Official Mobile Application. They shall avoid leaving
      Tangem Wallet in the proximity of the NFC devices of other persons.
    </p>
    <p class="inner">
      7.1.9. Tangem Wallet shall be used only for physically tapping and holding
      near User’s NFC device when Official Mobile Application requests it.
    </p>
    <p class="inner">
      7.1.10. User shall keep Tangem Wallet with care and protect Tangem Wallet
      from mechanical damage, high temperatures, strong electromagnetic fields,
      and other harmful factors.
    </p>
    <p class="inner">
      7.1.11. User is solely responsible for remembering, storing, and keeping
      their credentials in a secure location, away from prying eyes.
    </p>
    <p class="inner">
      7.1.12. User shall keep Recovery Phrase safe. Any third party with
      knowledge of one or more of User’s Recovery Phrase can gain control of the
      Private Keys associated with User’s Tangem Wallet or of the Recovery
      Phrase, and therefore steal User’s Blockchain Assets, without any
      possibility for User or Tangem to retrieve them.
    </p>
    <p>
      7.2. User is liable for all liabilities arising from the use of Tangem
      Wallet and/or Tangem Official Mobile Application. Any disputes in relation
      to discrepancies and complaints about goods or services and any resulting
      claims must be settled directly by User with the respective reseller.
    </p>
    <p>
      7.3. As a matter of principle, User is liable for any risks resulting from
      the misuse of Tangem Wallet and/or Official Mobile Application. In any
      case, User is solely liable for all Transactions authorized using a means
      of access.
    </p>
    <p>
      7.4. Any loss or damage resulting from the forwarding of Tangem Wallet
      and/or means of access shall be borne by User.
    </p>
    <p>
      7.5. Loss or damage incurred by User in connection with the possession or
      use of Tangem Wallet and/or Official Mobile Application shall be borne
      solely by User. Except for the obligations set forth in the Tangem Wallet
      Warranty (Clause 6.1), Tangem assumes no liability if Tangem Wallet and/or
      Official Mobile Application cannot be used due to a technical defect or
      because it has been canceled, blocked or the spending limit has been
      adjusted.
    </p>
    <p>
      7.6. User is only permitted to use Tangem Wallet and Official Mobile
      Application for their personal, non-commercial use. User is not allowed to
      resell Tangem Wallet.
    </p>
    <p>
      7.7. Before User engages in Transactions using an electronic system, User
      should carefully review the rules and regulations of the exchanges
      offering the system and/or listing the instruments User intends to trade.
      Online trading has inherent risk due to system response and access times
      that may vary due to market conditions, system performance, and other
      factors. User should understand, fully accept and take on these and
      additional risks before trading.
    </p>
    <p>
      7.8. Before initiating any Transactions through third-party resources via
      widgets or links within the application, User is expressly advised to
      meticulously review and comprehend the terms, rules, and regulations
      governing such resources. It is imperative for User to be cognizant of the
      inherent risks associated with online trading, including variations in
      system response times, access delays influenced by market conditions,
      system performance, and other pertinent factors.
    </p>
    <p>
      7.9. User unequivocally assumes sole responsibility for all actions
      undertaken, encompassing but not limited to swap transactions, on-ramp,
      and off-ramp activities, when transitioning to third-party resources
      through widgets or links within the application. This responsibility
      extends to compliance with the terms and conditions of the relevant
      third-party resources and adherence to applicable laws and regulations.
    </p>
    <p>
      7.10. Tangem explicitly disclaims any affiliation, endorsement, or
      responsibility for the content, policies, or Transactions on third-party
      resources, and User interactions with such resources are entirely at their
      own risk.
    </p>
    <h3>8. TANGEM LIMITATION OF LIABILITY</h3>
    <p>
      8.1. Except for the express warranties set forth in Clause 6.1 hereof,
      Tangem Wallet, including without limitation any content, data and
      information related thereto, is provided on an “as is” basis and “as
      available” basis, without any warranties of any kind, express or implied
      warranties of use, merchantability or suitability for a certain purpose or
      use, including without limitation, the quality of products and services
      provided by users, third-party services, and/or exchanges (except for the
      guarantees set forth herein).
    </p>
    <p>
      8.2. Official Mobile Application is provided on an “as is” basis and “as
      available” basis without any warranties of any kind regarding Official
      Mobile Application and/or any content, data, materials and/or services
      provided on Official Mobile Application. In no event Tangem or
      contributors to Official Mobile Application are responsible for the
      actions, decisions, or other behavior taken or not taken by User in
      reliance upon Tangem Official Mobile Application.
    </p>
    <p>
      8.3. Tangem and its affiliates, including any of their officers,
      directors, shareholders, employees, sub-contractors, agents, parent
      companies, subsidiaries and other affiliates (collectively, the “Tangem
      Affiliates”), jointly and severally:
    </p>
    <p class="inner">
      8.3.1. disclaim and make no representations or warranties as to the
      usability, accuracy, quality, availability, reliability, suitability,
      completeness, truthfulness, usefulness or effectiveness of any content,
      data, results or other information obtained or generated by Tangem and/or
      any user related to the User or any other user of Tangem Wallet, and
      Official Mobile Application;
    </p>
    <p class="inner">
      8.3.2. do not guarantee that the operation of Tangem Wallet and/or
      Official Mobile Application will be secure, accurate, complete,
      uninterrupted, without error or free of viruses, worms, other harmful
      components or other program limitations. Tangem may, at its sole
      discretion and without obligation to do so, correct, modify, amend,
      enhance, improve and make any other changes to Tangem Wallet and/or
      Official Mobile Application, change, update or suspend the Services,
      temporarily or indefinitely, so as to carry out works including, but not
      limited to: software updates, maintenance operations, amendments to the
      servers, bug fixes, etc. Tangem will make reasonable efforts to give User
      prior notice of any significant disruption of the Services;
    </p>
    <p class="inner">
      8.3.3. do not guarantee the correct functioning of the Services in the
      event of the installation or use of programs or applications that do not
      conform to Service specifications and technical standards.
    </p>
    <p>
      8.4. Tangem and its affiliates, including any of their officers,
      directors, shareholders, employees, sub-contractors, agents, parent
      companies, subsidiaries and other affiliates (collectively, the “Tangem
      Affiliates”), jointly and severally shall not be held liable for:
    </p>
    <p class="inner">
      8.4.1. any loss of Blockchain Asset in the event of loss or total
      breakdown of Tangem Wallet;
    </p>
    <p class="inner">
      8.4.2. any failure to be able to use Tangem Wallet and/or Official Mobile
      Application, for any reason whatsoever, nor will Tangem be held liable for
      the loss of the Blockchain Asset resulting from a malfunction or
      inoperability of the blockchain network hosting Blockchain Asset, as well
      as the inaccessibility of its public servers and services.
    </p>
    <p class="inner">
      8.4.3. any loss of profits, income, value or any damages whatsoever,
      including direct, indirect, extraordinary, incidental or consequential
      damages of any kind, but not limited to, resulting from or arising out of
      the use of Tangem Wallet and/or Official Mobile Application or inability
      to use Tangem Wallet and/or Official Mobile Application, failure of Tangem
      Wallet and/or Official Mobile Application to perform as represented or
      expected, loss of goodwill or profits, or loss of data arising out of or
      in any way connected with the use of Tangem Wallet and/or Official Mobile
      Application.
    </p>
    <p class="inner">
      8.4.4. performance or failure of Tangem Wallet and/ or Official Mobile
      Application to perform under these Terms and any other act or omission by
      Tangem by any cause whatsoever including without limitation damages
      arising from the conduct of any users, third party services and/or
      exchanges.
    </p>
    <p class="inner">
      8.4.5. performance or failure of Tangem Wallet due to any engravings,
      inscriptions, modifications, or physical alterations (including, but not
      limited to: trimming, turning, etc.) made to the Product by the User.
    </p>
    <p class="inner">
      8.4.6. any losses, damages or claims arising from events falling within
      the scope of the following categories:
    </p>
    <ul class="inner">
      <li>
        Mistakes made by User, e.g., forgotten passwords, payments sent to wrong
        addresses, and accidental deletion of blockchain wallets on Tangem
        Wallet.
      </li>
      <li>
        Problems of Official Mobile Application and/or any blockchain- or
        cryptocurrency-related software or service, e.g., corrupted files,
        incorrectly constructed Transactions, unsafe cryptographic libraries,
        malware.
      </li>
      <li>
        Technical failures in the hardware of User, including Tangem Wallet, of
        any blockchain- or cryptocurrency-related software or service, e.g.,
        data loss due to a faulty or damaged storage device.
      </li>
      <li>
        Security problems experienced by User, e.g., unauthorized access to
        Users' wallets and/or accounts.
      </li>
      <li>
        Actions or inactions of third parties and/or events experienced by third
        parties, e.g., bankruptcy of service providers, information security
        attacks on service providers, and fraud conducted by third parties.
      </li>
    </ul>
    <p>
      8.5. User hereby acknowledges and agrees that these limitations of
      liability are agreed allocations of risk constituting in part the
      consideration for using Tangem Wallet and Official Mobile Application and
      such limitations will apply notwithstanding the failure of essential
      purpose of any limited remedy, and even if Tangem and/or any Tangem
      Affiliates has been advised of the possibility of such liabilities and/or
      damages.
    </p>
    <h3>9. THIRD-PARTY SERVICES AND PLATFORMS</h3>
    <p>
      9.1. User may choose to access Third-Party Services through links,
      widgets, or integrations made available in the Official Mobile
      Application. Third-Party Services may include, for example, third-party
      interfaces for crypto-to-crypto swaps and fiat on-ramp/off-ramp services.
      Tangem does not provide, operate, or control such services.
    </p>
    <p>
      9.2. User agrees that User’s use of Third-Party Services is subject to
      separate terms and conditions between the User and the third-party. User
      can review these terms and conditions within the Official Mobile
      Application when accessing the respective Third-Party Service. Any
      identity verification (KYC), compliance checks (including AML/sanctions),
      pricing, execution, settlement, customer support, and dispute handling for
      Third-Party Services are performed by the applicable third-party provider
      under its own terms and compliance obligations.
    </p>
    <p>
      9.3. Tangem is not responsible for the content, accuracy, security,
      availability, any performance, or failure to perform of the Third-Party
      Services or any issue in relation with the use of Third-Party Services.
    </p>
    <p>
      9.4. Tangem does not provide any guarantees that access to Third-Party
      Services will not be interrupted or that there will be no delays,
      failures, errors, omissions, corruption or loss of transmitted
      information, data or funds, and Tangem shall not be liable for any such
      Third-Party Services.
    </p>
    <p>9.5. User agrees to use the Third-Party Services at their own risk.</p>
    <p>
      9.6. It is User’s responsibility to review the third party’s terms and
      policies before using a Third-Party Service. These terms and policies are
      accessible to the User within the Official Mobile Application at the point
      of using the relevant Third-Party Service.
    </p>
    <p>
      9.7. Third-Party Services may not be available in all languages and may
      not be appropriate or available for use in any particular location.
    </p>
    <p>
      9.8. To the extent User chooses to use such Third-Party Services, the User
      is solely responsible for compliance with any applicable laws in relation
      to such use.
    </p>
    <p>
      9.9. In addition, Tangem reserves the right to block access to these
      Third-Party Services through Official Mobile Application in particular,
      but not exclusively, in the event of non-compliance with the applicable
      regulations by the Third-Party partner.
    </p>
    <p>
      9.10. Tangem retains the exclusive right to suspend, remove, or cancel the
      availability of any such Third-Party Service for any reason and without
      prior notice.
    </p>
    <p>
      9.11. User acknowledges and accepts that the use of third-party resources
      involves inherent risks, and Tangem shall bear no liability for the
      consequences arising from User's independent actions on these external
      platforms.
    </p>
    <p>
      9.12. User is responsible for implementing adequate security measures and
      precautions when interacting with third-party resources to safeguard
      personal information, financial assets, and to mitigate potential risks
      associated with such engagements.
    </p>
    <p>
      9.13. User agrees to indemnify and hold Tangem, its affiliates, and
      service providers harmless from any claims, losses, or damages incurred as
      a result of their actions on third-party platforms, as outlined in these
      Terms.
    </p>
    <p>
      9.14. User acknowledges and agrees that Third-Party Services, including
      swaps and on-ramps, are external services. No cryptocurrency or wallet
      functionality is used to unlock features, premium content, or digital
      goods within the Official Mobile Application. All questions, complaints,
      or claims related to Third-Party Services should be directed to the
      respective third-party service provider.
    </p>
    <h3>10. STAKING</h3>
    <p>
      10.1. <b>Overview.</b> Using Official Mobile Application, User can
      participate in staking certain cryptocurrencies to earn rewards for
      supporting Proof-of-Stake (POS) networks. User is to review the
      information about staking the token, including the APR, Unbonding period,
      and reward schedule and has the option to choose a validator, which are
      listed by APR offered. TANGEM OFFERS NO RECOMMENDATIONS OR ADVICE ON
      STAKING OR THE SELECTION OF VALIDATORS AND RESERVES THE RIGHT TO CHANGE
      THE LIST OF AVAILABLE VALIDATORS AT ANY TIME WITHOUT NOTICE.
    </p>
    <p>
      10.2. <b>Rewards.</b> By staking User's assets, User acknowledges that
      delegating staking rights to a validator as listed in Official Mobile
      Application does not entitle User to any specific payments but potentially
      allows User to share in rewards collected by the validator.
    </p>
    <p>
      10.3. <b>Asset Custody.</b> Tangem does not hold custody of any rewards or
      assets User receives; it also has no control over or responsibility for
      the operations of any POS network where User delegates validation rights.
    </p>
    <p>
      10.4. <b>Reward Guarantees.</b> TANGEM MAKES NO PROMISES THAT USER WILL
      EARN ANY STAKING REWARDS OR ACHIEVE ANY PARTICULAR REWARD RATES. The
      delivery of rewards is dependent on the functioning of the respective POS
      networks and is beyond Tangem's influence.
    </p>
    <p>
      10.5. <b>Service Disclaimer.</b> The staking services are provided on an
      “as is” basis. Tangem is not liable for any failures in transferring
      rewards by supported POS networks, including, but not limited to market
      risks, inflation risks, risks of “slashing”, or for any rewards sent to an
      incorrect wallet address. Tangem does not ensure that the staking services
      will be uninterrupted, free of errors, or secure against third-party
      disturbances or unauthorized access.
    </p>
    <p>
      10.6. <b>Fees.</b> Tangem may charge a service fee, which is calculated as
      a percentage of the staking rewards earned by the User. The estimated
      reward rates (e.g., APR) displayed within the Official Mobile Application
      are presented to the User net of such fees. By participating in the
      staking service, the User agrees to this fee structure. The specific fee
      details will be disclosed within the Official Mobile Application.
    </p>
    <h3>11. YIELD SERVICES</h3>
    <p>
      11.1. <b>Overview.</b> Using the Official Mobile Application, User may
      access DeFi Protocols, such as Aave, that enable User to allocate
      Blockchain Assets into liquidity or lending protocols ("Yield Services").
      These services are operated by independent third-party protocols on public
      blockchain networks. Tangem does not provide any financial, custodial, or
      intermediary services in connection with the Yield Services. TANGEM OFFERS
      NO RECOMMENDATIONS OR ADVICE ON YIELD SERVICES OR THE SELECTION OF DEFI
      PROTOCOLS AND RESERVES THE RIGHT TO CHANGE ACCESS TO ANY DEFI PROTOCOL AT
      ANY TIME WITHOUT NOTICE.
    </p>
    <p>
      11.2. <b>Software Interface Only.</b> The Official Mobile Application
      serves solely as a non-custodial, user-directed software interface to
      facilitate interaction with DeFi Protocols. Tangem does not act as a
      financial advisor, intermediary, broker-dealer, or custodian in relation
      to Yield Services. Tangem does not provide investment recommendations,
      price predictions, or personalized financial advice.
    </p>
    <p>
      11.3. <b>No Endorsement.</b> The availability of integrations with DeFi
      Protocols, such as Aave, within the Official Mobile Application does not
      constitute a recommendation, endorsement, or guarantee of suitability or
      safety. User must independently evaluate and determine whether to use such
      protocols. The inclusion of a specific protocol does not imply it is
      risk-free or compliant with User's jurisdiction.
    </p>
    <p>
      11.4. <b>Third-Party Terms.</b> User's interactions with Yield Services
      are governed solely by the respective third-party DeFi Protocol’s terms
      and conditions. Tangem does not control or influence the smart contracts,
      rules, or outcomes of these protocols and is not a party to any agreements
      User may enter into by allocating Blockchain Assets.
    </p>
    <p>
      11.5. <b>Asset Custody and Control. </b> Tangem does not hold custody of
      any Blockchain Assets, rewards, or yield generated through Yield Services.
      Tangem has no control over or responsibility for the operations of any
      DeFi Protocol. User retains full custody and control over their Blockchain
      Assets through their Private Keys at all times.
    </p>
    <p>
      11.6. <b>No Guarantees. </b> TANGEM MAKES NO PROMISES THAT USER WILL EARN
      ANY YIELD OR ACHIEVE ANY PARTICULAR OUTCOMES FROM YIELD SERVICES. Any
      yield, performance, or returns are determined solely by the underlying
      DeFi Protocol and market conditions, which may vary, cease, or result in
      losses at any time. Tangem does not guarantee the availability, security,
      or uninterrupted operation of Yield Services.
    </p>
    <p>
      11.7. <b>Risks.</b> Allocating Blockchain Assets into DeFi Protocols
      involves significant risks, including but not limited to:
    </p>
    <p class="inner">
      11.7.1. Smart contract vulnerabilities, bugs, hacks, or exploits;
    </p>
    <p class="inner">
      11.7.2. Market volatility, impermanent loss, or liquidation events;
    </p>
    <p class="inner">
      11.7.3. Protocol governance changes, failures, or disruptions;
    </p>
    <p class="inner">
      11.7.4. Loss of access to funds due to technical issues or user errors;
    </p>
    <p class="inner">
      11.7.5. Regulatory risks, including changes in laws that may affect
      protocol accessibility or Blockchain Asset value.
    </p>
    <p>
      User acknowledges that these risks may result in partial or total loss of
      Blockchain Assets and that Yield Services are provided on an “as is” and
      “as available” basis without warranties.
    </p>
    <p>
      11.8. <b>User Responsibility. </b> User is solely responsible for
      understanding, assessing, and accepting all risks associated with Yield
      Services. User must ensure their activities comply with all applicable
      laws and regulations in their jurisdiction, including but not limited to
      anti-money laundering (AML), counter-terrorism financing (CTF), sanctions,
      and securities laws. User represents and warrants that they are not
      located in, or a resident of, any jurisdiction where use of Yield Services
      would be illegal or violate applicable laws.
    </p>
    <p>
      11.9. <b>Fees.</b> Interacting with Yield Services may incur fees,
      including:
    </p>
    <p class="inner">
      11.9.1. <b>Service Fee:</b> Tangem may charge a service fee for providing
      access to Yield Services. This fee is calculated as a percentage of the
      yield generated from the User's allocated Blockchain Assets. The estimated
      yield rates displayed within the Official Mobile Application are presented
      to the User inclusive of any such fees. This service fee is separate from
      any blockchain network fees ("gas") or fees charged by the third-party
      DeFi Protocol.
    </p>
    <p class="inner">
      11.9.2. <b>Third-Party Fees:</b> Additional fees, such as gas fees or
      protocol-specific fees, may apply as determined by the blockchain network
      or DeFi Protocol. Tangem does not control or influence these fees and is
      not responsible for their accuracy or application.
    </p>
    <p>
      User is responsible for reviewing and accepting all applicable fees before
      engaging with Yield Services. Fee details are subject to change, and any
      updates will be disclosed transparently in the Official Mobile Application
      or on Tangem's website. User acknowledges that the service fee does not
      constitute financial intermediation or compensation for yield generation.
    </p>
    <p>
      11.10. <b>Modifications </b> Tangem may modify, suspend, or remove access
      to any Yield Services integration at its discretion, without prior notice,
      for technical, legal, operational, or regulatory reasons.
    </p>
    <p>
      11.11. <b>Current Integration. </b> The Official Mobile Application
      currently integrates with Aave as a Yield Service. Future integrations
      with other DeFi Protocols may be added or removed, but their inclusion
      does not imply endorsement or guarantee of compliance.
    </p>
    <p>
      11.12. <b>User Due Diligence. </b> User is strongly encouraged to conduct
      independent research, consult professional advisors, and perform due
      diligence before interacting with any DeFi Protocols through the Official
      Mobile Application. Tangem provides no financial, legal, or investment
      advice.
    </p>
    <p>
      11.13. <b>Indemnification. </b> User agrees to indemnify and hold Tangem
      and the Tangem Affiliates harmless from any claims, losses, damages, or
      liabilities arising from User's use of Yield Services, including
      violations of third-party terms or applicable laws.
    </p>
    <p>
      11.14. <b>Disclaimer of Liability. </b> In addition to the limitations in
      Section 8, Tangem disclaims all liability for losses or damages related to
      Yield Services, including those from smart contract failures, market
      risks, or regulatory actions. User uses Yield Services at their own risk
      and acknowledges that non-custodial access does not confer regulatory
      protections applicable to traditional financial services.
    </p>
    <h3>12. GOVERNING LAW AND DISPUTE RESOLUTION</h3>
    <p>
      12.1. Unless otherwise required by a mandatory law of a member state of
      the European Union or any other jurisdiction these Terms and any separate
      agreements whereby Tangem provides User the Services shall be governed by
      the laws of Switzerland without regard to its conflict of laws principles.
    </p>
    <p>
      12.2. User can submit a claim in written form regarding the operation of
      the Services to Tangem via email at
      <a href="mailto:store@tangem.com">store@tangem.com</a>. User may also
      reach Tangem in writing at the following address: Tangem AG, Baarerstrasse
      10, Zug, CH-6300 Switzerland. In case of failure to resolve disputes and
      disagreements by way of negotiations the settlement shall be in accordance
      with claim procedure. Claims shall be reviewed within 30 calendar days.
    </p>
    <p>
      12.3. Subject to compulsory legal provisions, any use of the Services and
      all legal disputes arising out of or in connection therewith shall be
      submitted to the exclusive jurisdiction of the courts of the Canton of
      Zug, Switzerland.
    </p>
    <h3>13. COMMUNICATION</h3>
    <p>
      13.1. Tangem may provide the User with information related to the Services
      through the Official Website, the Official Mobile Application, or by other
      means. Such communication may include, but is not limited to, sending push
      notifications to the User's device to provide information about
      transactions, security, or other Service-related updates.
    </p>
    <p>
      13.2. The sending of push notifications is subject to the User’s consent
      and preferences, which can be managed within the settings of the Official
      Mobile Application. The User is responsible for maintaining their contact
      information and notification settings up to date.
    </p>
    <p>
      13.3. Tangem will make reasonable efforts to respond to User requests
      within 7 calendar days, though response times may vary depending on the
      complexity of the inquiry.
    </p>
    <h3>14. MISCELLANEOUS</h3>
    <p>
      14.1. <b>Entire agreement.</b> These Terms and any policies or operating
      rules posted by Tangem on the Official Website or in respect to the
      Services constitutes the entire agreement and understanding between User
      and Tangem and govern User’s use of the Services, superseding any prior or
      contemporaneous agreements, communications and proposals, whether oral or
      written, between User and Tangem (including, but not limited to, any prior
      versions of the Terms).
    </p>
    <p>
      14.2. <b>Severability.</b> In the event that any provision of these Terms
      is determined to be unlawful, void or unenforceable, such provision will
      nonetheless be enforceable to the fullest extent permitted by applicable
      law, and the unenforceable portion will be deemed to be severed from these
      Terms, such determination will not affect the validity and enforceability
      of any other remaining provisions.
    </p>
    <p>
      14.3. <b>Assignment.</b> User may not assign their rights or obligations
      under these Terms in whole or in part to any third party. User
      acknowledges and agrees that Tangem may assign its rights and obligations
      under these Terms, including rights and obligations concerning insurance,
      and, in such context, share or transfer information provided by User while
      using the Services to a third party.
    </p>
    <p>
      14.4. <b>No waiver.</b> The failure of Tangem to exercise or enforce any
      right or provision of these Terms will not constitute a waiver of such
      right or provision.
    </p>
    <p>
      14.5. <b>Errors, Inaccuracies, And Omissions.</b> Occasionally there may
      be information in the Services that contains typographical errors,
      inaccuracies or omissions that may relate to product descriptions,
      pricing, promotions, offers, product shipping charges, transit times and
      availability. Tangem reserves the right to correct any errors,
      inaccuracies or omissions, and to change or update information or cancel
      orders if any information in the Services or on any related website is
      inaccurate at any time without prior notice (including after User has
      submitted their order).
    </p>
    <p>
      14.6. Any ambiguities in the interpretation of these Terms will not be
      construed against the drafting party.
    </p>
    <p>
      14.7. Terms concerning Recovery Phrase apply to Tangem Wallet supporting
      this feature.
    </p>
    <p>
      14.8. Tangem undertakes no obligation to update, amend or clarify
      information in the Services, including without limitation, pricing
      information, except as required by law. No specified update or refresh
      date applied in the Services or on any related website, should be taken to
      indicate that all information in the Services has been modified or
      updated.
    </p>
    <p>
      14.9. These Terms may be drawn up in different languages. In case of any
      inconsistency the English version of the Terms shall prevail.
    </p>
    <p>
      14.10. <b>Mobile Software from the Apple App Store.</b> The following
      terms and conditions apply only if the User has downloaded the Official
      Mobile App from the Apple App Store.
    </p>
    <p class="inner">
      14.10.1. These Terms are solely between Tangem and the User, not Apple,
      and Apple has no responsibility for the Official Mobile Application or
      content thereof. User’s use of the Official Mobile Application must comply
      with the App Store’s applicable terms of use.
    </p>
    <p class="inner">
      14.10.2. User acknowledges that Apple has no obligation whatsoever to
      furnish any maintenance and support services with respect to the Official
      Mobile Application. In the event of any failure of the Official Mobile
      Application to conform to any applicable warranty with respect to the
      Official Mobile Application, you may notify Apple, and Apple will refund
      the purchase price, if any, for the Official Mobile Application to you
      (provided that in no event will Apple be required to refund the purchase
      price for Tangem Wallet). To the maximum extent permitted by applicable
      law, Apple will have no other warranty obligation whatsoever with respect
      to the Official Mobile App, and any other claims, losses, liabilities,
      damages, costs or expenses attributable to any failure to conform to any
      warranty will be solely governed by these Terms.
    </p>
    <p class="inner">
      14.10.3. User and Tangem acknowledge that Apple is not responsible for
      addressing any claims of User or any third party relating to the Official
      Mobile Application or User’s possession and/or use of the Official Mobile
      Application, including, but not limited to: (a) product liability claims,
      (b) any claim that the Official Mobile Application fails to conform to any
      applicable legal or regulatory requirement, and (c) claims arising under
      consumer protection or similar legislation.
    </p>
    <p class="inner">
      14.10.4. User and Tangem acknowledge that, in the event of any third-party
      claim that the Official Mobile Application or User’s possession and use of
      it infringes that third party’s intellectual property rights, Tangem, not
      Apple, will be solely responsible for the investigation, defense,
      settlement and discharge of any such intellectual property infringement
      claim to the extent required by these Terms. User and Tangem acknowledge
      and agree that Apple, and Apple’s subsidiaries, are third party
      beneficiaries of these Terms as they relate to User’s use of the Official
      Mobile Application, and that Apple will have the right (and will be deemed
      to have accepted the right) to enforce these Terms against User as a
      third-party beneficiary thereof.
    </p>

    <p>Last amended on: January 24, 2026</p>
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