Terms of Service

Version 2.4.0 · Effective August 13, 2026

Key Points

This summary is a reader aid. The full Terms below control.

Please read these Terms of Service (the "Terms") carefully before using the Noesis application, website, or related services (collectively, the "Services"). These Terms are a binding legal agreement between you and Noesis ("Noesis", "we", "us", or "our"). By creating a wallet, accepting these Terms, or otherwise using the Services, you agree to be bound by them. If you do not agree, do not use the Services.

1. Acceptance of the Terms

By clicking "I agree", creating a Noesis wallet, or using any part of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated here by reference.

If you are using the Services on behalf of a company or other legal entity, you represent that you have authority to bind that entity to these Terms, in which case "you" refers to that entity.

"Risk Disclaimer" means the short risk acknowledgment shown to you before you first create or import a wallet. It summarizes Sections 14, 15, and 16 and does not replace them; where the two differ, these Terms control. You can reopen it at any time from the Risk Disclaimer link shown on the subscription screen and beneath the AI and portfolio disclaimers in the app. We record which version of these Terms and of the Risk Disclaimer you accepted, and when.

2. Eligibility and Geographic Restrictions

You may use the Services only if you are at least eighteen (18) years old, or the age of majority in your jurisdiction if higher, and have the legal capacity to enter into a binding contract. The Services are not directed to, or intended for use by, anyone under 18. We do not knowingly collect personal information from anyone under 18, and we will delete any account we learn belongs to someone under 18. Our minimum age is 18 and is set by these Terms; the age rating we select on the App Store does not replace it.

You represent and warrant that:

We may, at our discretion, restrict or deny access to the Services from certain jurisdictions, IP addresses, or wallet addresses to comply with applicable law or manage risk. Geographic enforcement relies on the approximate country or region our servers derive from the IP address of your request, as described in Section 3 of the Privacy Policy. IP geolocation is imperfect; the representations you make in this Section 2 are your own legal obligation regardless of whether we technically block your access.

3. Changes to the Terms

We may modify these Terms at any time. When we make material changes, we will update the "Effective Date" shown at the top of this document and provide notice through the Services — for example, by displaying an in-app acceptance prompt the next time you open a gated feature. Your continued use of the Services after the Effective Date constitutes acceptance of the revised Terms.

If you do not agree to the revised Terms, you must stop using the Services. Some features may become unavailable until you accept the updated Terms.

4. Description of the Services

Noesis provides a non-custodial cryptocurrency wallet application and related educational tools, including AI-generated market analysis and informational content (collectively, the "Services"). The Services may allow you to:

The appearance of a token, NFT collection, blockchain, or integration in the Services is not an endorsement or recommendation by Noesis. Token symbols, names, logos, and metadata displayed in the Services are sourced from public data and third-party providers and may be inaccurate, outdated, or spoofed by malicious actors. You are solely responsible for verifying the authenticity of any asset before interacting with it.

We may add, modify, or discontinue any part of the Services at any time, with or without notice. Supported blockchains, features, subscription tiers, and integrations are subject to change.

5. Non-Custodial Nature; Self-Custody of Keys

The Services are non-custodial. You are the sole custodian of your private keys and recovery phrase (together, your "Wallet Credentials"). Noesis provides software; Noesis does not provide custodial, brokerage, exchange, or investment services.

6. Wallet Security and Your Responsibility

You are solely responsible for:

Transactions on public blockchains are irreversible once confirmed. Noesis cannot cancel, reverse, accelerate, or refund a confirmed transaction — including transactions sent to an incorrect address, on the wrong network, missing a required memo or destination tag, with an unintended token approval, or obtained through fraud, phishing, social engineering, or unauthorized access to your device.

7. AI Chat and Educational Market Analysis

The Services include AI-generated content, including chat responses, technical-indicator explanations, news summaries, and scenario discussions (collectively, "AI Output"). AI Output is provided for informational and educational purposes only.

Do not enter your recovery phrase, private keys, passwords, payment-card numbers, government identification numbers, or similarly sensitive information into the AI chat. Noesis will never ask you for your recovery phrase.

AI features are powered in part by Google LLC through the Gemini model family and by Anthropic PBC through the Claude model family. When you use the AI chat, your prompts and related context are transmitted to whichever of those providers serves the request, and are subject to that provider's applicable terms and privacy commitments. The same applies to the other AI features, including portfolio analysis and your AI Daily Brief, which send a summary of your portfolio composition and its value. We do not commit to which provider handles any particular request, and which one serves it can change over time and by request type as we tune the Services for quality, capability, and availability; neither provider is a standby used only when the other is unavailable, and both may be used during normal operation. For the small number of chat questions that require a live market-data lookup, the text of your latest question is sent to Anthropic on its own so that the model can choose which CoinGecko queries to run, and CoinGecko then receives only those queries — not your question, your account identifier, or your portfolio. We log certain AI interactions for security, safety, compliance, and quality purposes, including a cryptographic hash of your input, a cryptographic hash of the assistant's response, and hashed summaries of any tool invocations; that audit log keeps no readable copy of what you wrote. Separately, so the assistant can follow a conversation rather than restart at every message, the text of your recent AI Chat messages and its replies is held in a short-term conversation cache for up to seven (7) days from your last message in that conversation, and is erased in the same request when you delete your account. See our Privacy Policy for details on retention and access controls.

8. Third-Party Services

The Services rely on a defined set of third-party processors and integrate with additional third-party services that you separately interact with. Each is described below; our Privacy Policy at Section 5 sets out what information flows to each.

Processors acting on our behalf currently include: Apple, Inc. (Sign in with Apple, App Store payments, server-to-server account-deletion notifications), Google LLC (Sign in with Google identity verification, Firebase Cloud Messaging for push notifications, Vertex AI and the Gemini API for AI features, and Cloud Run, Cloud SQL, Memorystore, Cloud Logging, Cloud Storage, and Cloud Text-to-Speech for backend infrastructure and Daily Brief audio), Anthropic PBC (Claude models for AI features), RevenueCat, Inc. (subscription and entitlement management), Tatum.io (blockchain RPC, transaction broadcast, and address monitoring), TronGrid (TRON-network RPC and transaction broadcast), Jupiter (Solana token registry and token metadata), and 0x (Solana- and EVM-network swap routing and quotes).

We also query public blockchain and market-data services that we hold no contract with, and that we send no account identifier, email address, or name. These currently include: Etherscan, Blockscout, and Routescan (EVM transaction history and cost basis — for Base, Arbitrum, Optimism, and Avalanche these are the only source of your transaction history), Mempool Space and Litecoinspace (Bitcoin and Litecoin transaction history), Blockchair (Dogecoin transaction history), XRPL Cluster (XRP Ledger transaction history), CoinGecko, CoinMarketCap, and Coinbase, Inc. (market data, coin images, and news), and Whale Alert (large-transfer flow data shown in Whale Pulse). Whale Alert is a one-way feed our servers subscribe to; nothing about you or your addresses is sent to it, and your device reaches it only if you tap its attribution link in Settings → About & Data Sources. Section 5 of the Privacy Policy sets out exactly what is sent to each; in every case it includes your public wallet address only where that entry says so.

In addition, logos for Solana tokens are published by each token's own issuer on infrastructure the issuer chooses, and your device downloads them directly from that host. Because those hosts are selected by third-party token issuers rather than by Noesis, they cannot be listed by name; see Section 5 of the Privacy Policy.

When you swap or convert crypto assets in the app, Noesis builds the unsigned swap using a non-custodial decentralized-exchange aggregator — 0x, for both Solana- and EVM-network swaps, already named in the processor list above. The provider returns route and quote data used to construct a transaction that you sign on your device; Noesis never takes custody of your assets and operates no exchange or order book. Noesis charges a swap fee, expressed in basis points and disclosed to you on the swap review screen before you sign. The fee is collected on-chain as part of the swap, is retained by Noesis, and is separate from network (gas) fees, from slippage, and from price impact. Your slippage tolerance and the minimum you will receive are shown before you confirm. Price impact is shown only when the routing provider reports it.

9. Prohibited Conduct

You agree that you will not:

We may suspend or terminate your access to the Services at any time, with or without notice, for any suspected violation of these Terms or applicable law.

Objectionable content

We have no tolerance for objectionable content or for abusive users. You may not use the Services to generate, submit, or distribute content that is unlawful, harassing, threatening, hateful, defamatory, sexually explicit, exploitative of minors, or that promotes violence, self-harm, or fraud.

Filtering. AI Output passes through automated safety filters — ours and those of the AI providers named in Section 8 — which refuse or block those categories before the output reaches you. Filters are not perfect, which is why every AI surface also carries a Report control. Because our long-term AI audit log keeps no readable copy of what was written (see Section 7), a confirmed report is our primary signal for tightening those filters, and we act on it.

Reporting. Every AI and news surface in the app carries a Report control: AI Chat, the AI Daily Brief, Coin AI Analysis, and News. Tapping it opens a report form and sends our moderation queue the surface you reported, your description of the problem, and — where the surface has one — a reference to the item. You can also report content by emailing us at the address in Section 23 with the subject line "Report".

What we do with a report. We review every report within 24 hours of receiving it. If we confirm the content is objectionable, we remove it and block it from being generated again. If a user caused it in violation of this Section 9, we suspend or permanently terminate that user's account. We may follow up at the email address on your account if we need more detail from you.

Other users. Noesis has no user-to-user messaging, comments, profiles, or shared feeds. You cannot receive content written by another user, so there is no other user to block. If we add a feature that lets users see one another's content, we will ship per-user blocking with it.

10. Subscriptions, Fees, and Billing

Certain features of the Services require a paid subscription. If you purchase a subscription through the Apple App Store, the Google Play Store, or another authorized distribution platform, your subscription is billed and managed by that platform and is subject to its terms, including its refund and cancellation policies.

You are solely responsible for all taxes, duties, and similar government assessments arising from your use of the Services or from transactions you conduct through the Services.

Refunds for purchases made through the App Store or Google Play Store are handled exclusively by Apple or Google respectively, under their own policies. We do not process refunds for platform-billed subscriptions.

11. Intellectual Property

The Services, including all software, text, graphics, logos, images, audio, video, and AI-generated templates (other than Your Content as defined below), and all underlying intellectual property rights, are owned by or licensed to Noesis and are protected by intellectual property and other laws.

Subject to these Terms, Noesis grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use the Services for your personal, non-commercial purposes. All rights not expressly granted are reserved.

12. Your Content and Feedback

"Your Content" means text, messages, prompts, and other materials you submit to or through the Services. You retain ownership of Your Content. By submitting Your Content, you grant Noesis a worldwide, non-exclusive, royalty-free license to host, store, transmit, display, and create derivative works of Your Content solely to the extent necessary to operate, provide, secure, debug, and improve the Services for you. This license ends when Your Content is deleted from the Services, subject to limited retention for backup, audit, or legal-compliance purposes described in our Privacy Policy.

We do not use Your Content to train third-party AI models unless we describe that use clearly in the Privacy Policy and obtain any consent required by law.

If you send us feedback, suggestions, or ideas about the Services ("Feedback"), you grant Noesis a perpetual, irrevocable, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, modify, and commercialize the Feedback without compensation or attribution. You waive any moral rights you may have in the Feedback to the extent permitted by applicable law.

13. Privacy

Our collection and use of personal information is described in our Privacy Policy, available in the Settings section of the app and publicly at https://ckslabs.com/privacy.html. The Privacy Policy is incorporated into these Terms by reference. By using the Services, you consent to the collection and use of your information as described there.

These Terms are publicly available at https://ckslabs.com/terms.html. The version displayed within the app under Settings is the authoritative copy you accepted; in the event of any discrepancy between the in-app copy and the public web copy, the version that you accepted in the app controls until you accept a new version.

14. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, TITLE, AND QUIET ENJOYMENT.

Without limiting the foregoing, Noesis does not warrant that:

Some jurisdictions do not allow the exclusion of certain warranties; in those jurisdictions, the disclaimers above apply to the fullest extent permitted by law.

15. Assumption of Risk

You acknowledge and agree that using cryptocurrency, digital assets, and decentralized networks involves substantial risk, and you assume all such risks. These risks include, without limitation:

The risks above are not exhaustive. You represent that you have sufficient knowledge, experience, and risk tolerance to use the Services and to evaluate the merits and risks of any transaction you undertake through or in connection with them.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL NOESIS, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR LICENSORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR:

IN ALL CASES, NOESIS'S AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID TO NOESIS IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF CERTAIN DAMAGES. IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MINIMUM EXTENT PERMITTED BY LAW.

17. Indemnification

You agree to indemnify, defend, and hold harmless Noesis and its affiliates, and their respective officers, directors, employees, contractors, and licensors, from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to:

We may, at our option, assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense.

18. Dispute Resolution; Binding Arbitration; Class-Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS.

(a) Informal Resolution. Before filing a claim, you agree to try to resolve the dispute informally by contacting us at the email listed at the end of these Terms. We will attempt to resolve the dispute informally within sixty (60) days of receiving your notice.

(b) Binding Arbitration. If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by JAMS under its Consumer Arbitration Rules then in effect. The arbitration will be conducted in the English language. Judgment on the arbitrator's award may be entered in any court of competent jurisdiction.

(c) Class-Action Waiver. YOU AND NOESIS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE PROCEEDING. The arbitrator has no authority to consolidate more than one person's claims or to preside over any form of a class, collective, or representative proceeding. If the class-action waiver in this paragraph is found to be unenforceable with respect to a particular claim or for a particular form of relief, then that specific claim or request for relief (and only that claim or request) will be severed from this Section 18 and decided by a court of competent jurisdiction. The remainder of this Section 18, including the agreement to individually arbitrate all other claims, will remain in full force and effect.

(d) Jury-Trial Waiver. You and Noesis each waive any right to a trial by jury in any court proceeding that is not subject to arbitration under this Section 18.

(e) Carve-Outs. Either party may (i) bring an individual action in small-claims court for claims within that court's jurisdiction, or (ii) seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property or prevent unauthorized use of the Services.

(f) Opt-Out. You may opt out of the arbitration agreement in this Section 18 by sending written notice within thirty (30) days after you first accept these Terms. You may send notice by email to the address listed in Section 23, or by first-class mail to the postal address listed in Section 23. Your notice must include your full legal name, the email address associated with your account, the date you first accepted these Terms, and a clear statement that you wish to opt out of arbitration. We will send you an email confirmation of receipt within fourteen (14) days; absence of a confirmation does not, by itself, invalidate a timely notice you can otherwise prove was sent. Opting out does not affect any other provision of these Terms.

(g) Governing Law. These Terms and any dispute arising out of them are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules, and, to the extent federal law applies, by the Federal Arbitration Act.

(h) If you live outside the United States. If mandatory consumer-protection law where you live makes any part of this Section 18 unenforceable against you, that part does not apply to you, and the courts and the law of your place of residence apply to the extent that law requires. Nothing in this Section 18 or in paragraph (g) removes a right you have under the mandatory law of your country of residence. See also Section 22(b).

19. Termination

You may stop using the Services at any time. You may also delete your account through Settings → Delete Account. When you do:

If you signed in with Apple, deleting your account also revokes your Sign in with Apple token. At sign-in we exchange Apple's authorization code for a refresh token; as part of the deletion we send that refresh token to Apple's token-revocation endpoint, so that Noesis is removed from the Sign in with Apple list on your Apple ID and Apple stops sending us events about you. You do not have to do anything in Apple's settings for this to happen.

Deleting your account also purges the text of your recent AI Chat conversations from our short-term conversation cache in the same request, rather than waiting for that cache to expire on its own.

You may also start from the other direction and revoke Noesis through the Apple Settings → Apple ID → Sign in with Apple workflow. Apple will notify our server, and we will treat the revocation as an account-deletion request producing the same effects described above.

We may suspend or terminate your access to the Services at any time, with or without notice, if we reasonably believe you have violated these Terms, engaged in unlawful conduct, or created risk or legal exposure for Noesis or other users.

Sections that by their nature should survive termination — including Sections 2, 5, 6, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 20, 21, 22, and 23 — will survive. Section 10 survives only as to fees and taxes that accrued before termination.

20. General Provisions

(a) Entire Agreement. These Terms, together with the Privacy Policy and any other legal notices or agreements referenced here, constitute the entire agreement between you and Noesis concerning the Services and supersede all prior agreements.

(b) Severability. If any provision of these Terms is held to be unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

(c) No Waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.

(d) Assignment. You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets, or by operation of law.

(e) Notices. We may provide notices to you through the Services, by email, or by any other reasonable means. You must provide notices to us through the contact information below.

(f) Force Majeure. We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including blockchain-network outages, cyberattacks, natural disasters, or acts of government.

(g) Relationship of the Parties. Nothing in these Terms creates any agency, partnership, joint venture, employment, or fiduciary relationship between you and Noesis.

21. Apple and Google Platform Terms

If you obtained the Services through the Apple App Store or Google Play Store, the following terms also apply. These terms are in addition to, and not in place of, the rest of these Terms. In the event of a conflict between this Section 21 and any other provision of these Terms as they relate to your use of the app on that platform, this Section controls.

(a) Apple App Store users.

(b) Google Play users.

22. Additional Consumer Rights

If you are a resident of a jurisdiction that grants you specific consumer rights, the following may apply in addition to, or in place of, certain provisions of these Terms.

(a) California residents.

(b) Residents of the European Economic Area and United Kingdom.

(c) Residents of New York.

23. Contact

Questions, notices, or opt-out requests relating to these Terms should be directed to:

Noesis — Support and Legal
Email: admin@ckslabs.com
Mail: 202 N Cedar Ave, Suite #1, Owatonna, Minnesota 55060, United States