Welcome to the Scratch Crypto Wallet application (the “App”).

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The App is owned and operated by Scratch. Please read these “Terms of Service” carefully before using the App. By accessing or using the App, you signify your agreement to these Terms of Service and the Privacy Policy below. These Terms of Service and the Privacy Policy form the agreement between you and Scratch concerning your use of the App (“Agreement”).

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1. Terminology

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In this Agreement the following terms shall have the following meanings: (a) “App”: the Scratch Crypto Wallet app, available via the Apple App Store and the Google Play Store, which allows users to store, transfer, and manage digital currency assets; (b) “User” or “You”: any person or entity who legally has access to the App and uses it; (c) “Content”: all the content available through the App; (d) “Services”: the services provided by us via the App;

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2. The App

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2.1 The App is a platform designed for you to store, transfer, and manage digital currency assets. By using the App, you hereby agree that you understand the associated risks, specifically the risk of cyber-hacking and loss of digital assets. If you ever experience any losses due to malware attacks, security breaches, or accidental missteps, we are unable to cover such losses as they were outside our control.

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2.2 We do our best to ensure the security and integrity of the App, but, as with any software, we cannot guarantee the safety and security of all users’ digital assets. We therefore recommend that users take steps to secure their accounts and digital assets, such as by enabling additional authentication tools and never sharing their passwords or login credentials with anyone.

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2.3 In no event shall we be liable for any loss or damage arising from the use of the App or its Content, including but not limited to any loss or damage arising from any error, omission, interruption, defect, delay in operation or transmission, virus, communication line failure, or unauthorized access to, or use of, any information.

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3. Services Provided

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3.1 We are not engaged in the business of providing financial advice. We provide our App and related services as a convenience to our users. We do not provide any financial advice and shall bear no responsibility for any traders’ financial decisions or outcomes.

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3.2 We are not a digital currency exchange. We can only facilitate transfers to other users of the App or to digital currency exchanges. We have no control over any exchange or other third party, and we are not responsible for their actions.

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3.3 We may restrict access to certain features or functions of the App from time to time in our sole discretion.

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4. Intellectual Property Rights

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4.1 All intellectual property rights or other rights in the App and its Content are owned by us. You may not use the App or its Content for commercial purposes without our express permission.

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4.2 You are restricted from editing, altering, reproducing, or creating derivative works based on, the App or its Content. You may not reverse engineer, decompile, or disassemble any of the software or code used in connection with the App.

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4.3 All other trademarks, copyrights, logos, or service marks used in the App or its Content are the property of their respective owners.

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5. User’s Rights and Responsibilities

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5.1 As a user of the App, you are responsible for your own account and activities. You are solely responsible for any consequences arising out of your unauthorized use of the App or its Content.

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5.2 You must not use the App in any way that could damage, disable, overburden, degrade, or otherwise impair the Services or our servers, services, or networks. You must not alter, delete, or obscure any Content within the App.

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5.3 You agree to comply with all applicable laws and regulations when using the App. You must not use the App for any illegal, fraudulent, or malicious activity.

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5.4 You may not transfer, sell, or sublicense your rights under this Agreement without obtaining our prior written consent.

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6. Disclaimer of Warranties

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6.1 YOUR USE OF THE APP IS AT YOUR SOLE RISK. THE APP IS PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE APPS’ QUALITY, ACCURACY, TIMELINESS, PERFORMANCE, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. NONE OF THE FOREGOING WARRANTIES SHALL APPLY TO THE EXTENT THAT APPLICABLE LAW DOES NOT PERMIT THEM TO BE EXCLUDED.

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7. Limitation of Liability

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7.1 WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY LOST PROFITS OR OTHER DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE APP OR ANY OTHER PRODUCT OR SERVICE IN ANY WAY.

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7.2 IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION IN CONNECTION WITH THIS AGREEMENT OR THE APP OR CONTENT EXCEED $100.

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8. Updates to the App

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8.1 We may, in our sole discretion, update the App from time to time. These updates may include bug fixes or improvements, and we may not provide notice of such updates.

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9. Dispute Resolution

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9.1 This Agreement as well as any dispute arising out of or related to the use of the App or its Content shall be governed by the laws of the state of FL, without regard to the choice or conflicts of law provisions.

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9.2 Any dispute arising out of or related to the use of the App or its Content shall be settled in the courts of the state of FL. You hereby irrevocably submit to the exclusive jurisdiction of these courts.

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10. Changes to the Terms of Service We may make changes to these Terms of Service in our sole discretion and at any time. We will provide notice before any changes become effective. Your continued use of the App after any such changes become effective constitutes your acceptance of the revised Terms of Service.

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11. Contact Information If you have any questions or concerns about these Terms of Service or our Privacy Policy, please contact us at: support@scratch-app.com.

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