Terms of Service

Version 2.2.0 · Effective June 26, 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 Neosis application, website, or related services (collectively, the "Services"). These Terms are a binding legal agreement between you and Neosis ("Neosis", "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 Neosis 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.

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 children under 13, and we do not knowingly collect personal information from them.

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 may rely on third-party signals such as IP geolocation, which can be 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

Neosis 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 Neosis. 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"). Neosis provides software; Neosis 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. Neosis 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. Neosis will never ask you for your recovery phrase.

AI features are powered in part by Google LLC through the Gemini model family. When you use the AI chat, your prompts and related context are transmitted to Google for processing and are subject to Google's applicable terms and privacy commitments. 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. Neither your raw prompts nor the assistant's raw responses are retained by default. 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 / Gemini for AI Chat analysis, Cloud Run, Cloud SQL, Memorystore, and Cloud Logging for backend infrastructure), RevenueCat, Inc. (subscription-state management), Tatum.io (blockchain RPC and transaction broadcast), TronGrid (TRON-network RPC and transaction broadcast), CoinGecko (market data), Twilio SendGrid (transactional email), Jupiter (Solana-network swap routing and quotes), and 0x (EVM-network swap routing and quotes).

Services you separately interact with through the Services currently include Onramper B.V. (fiat on-ramp / off-ramp). When you initiate a fiat-to-crypto purchase through an integrated on-ramp, your transactional relationship is with the on-ramp provider and the payment processor it selects, not with Neosis. Their terms, fees, identity verification requirements, and consumer-protection processes apply.

When you swap or convert crypto assets in the app, Neosis builds the unsigned swap using non-custodial decentralized-exchange aggregators — Jupiter for Solana-network swaps and 0x for EVM-network swaps, each already named in the processor list above. These providers return route and quote data used to construct a transaction that you sign on your device; Neosis never takes custody of your assets and operates no exchange or order book. Neosis 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 Neosis, and is separate from network (gas) fees and from price impact and slippage, which are also shown before you confirm.

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.

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 Neosis and are protected by intellectual property and other laws.

Subject to these Terms, Neosis 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 Neosis 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 Neosis 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 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 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, Neosis 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 NEOSIS, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR LICENSORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR:

IN ALL CASES, NEOSIS'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 NEOSIS 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 Neosis 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 NEOSIS 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 Neosis 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.

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, you may also revoke Neosis 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 Neosis or other users.

Sections that by their nature should survive termination — including Sections 2, 5, 6, 9, 11, 12, 13, 14, 15, 16, 17, 18, 20, 21, 22, and 23 — will survive.

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 Neosis 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 Neosis.

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:

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