Terms & Conditions

Last Updated: October 30, 2025

Welcome to PandaWallets. These Terms and Conditions ("Terms") govern your use of our non-custodial cryptocurrency wallet services and smart contract deployment platform. By accessing or using PandaWallets, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account or using any PandaWallets services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use our services.

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding contracts. By using PandaWallets, you represent and warrant that:

• You are at least 18 years of age
• You have full legal capacity to agree to these Terms
• You are not located in a country subject to international sanctions or embargoes
• You will comply with all applicable laws and regulations

3. Non-Custodial Service

PandaWallets is a non-custodial service. This means:

• You maintain full control and ownership of your private keys
• We do not store, have access to, or control your private keys or funds
• You are solely responsible for securing your private keys and recovery phrases
• Loss of your private keys or recovery phrases will result in permanent loss of access to your funds
• We cannot recover, restore, or provide access to your wallet if you lose your credentials

4. Account Security

You are responsible for maintaining the security and confidentiality of your account credentials, including:

• Your login credentials
• Your private keys and recovery phrases
• Any seed phrases or mnemonic words

You must immediately notify us at support@pandawallets.com of any unauthorized access or security breach.

5. Smart Contract Deployment Services

PandaWallets provides tools for deploying smart contracts for settlements and compensation arrangements. When using these services:

• You are responsible for understanding the smart contracts you deploy
• Smart contracts are immutable once deployed to the blockchain
• We do not guarantee the functionality, security, or legal enforceability of user-deployed contracts
• You must ensure compliance with applicable laws in your jurisdiction

7. Cryptocurrency Risks

You acknowledge and accept the following risks associated with cryptocurrency transactions:

• Irreversibility: Cryptocurrency transactions cannot be reversed once confirmed on the blockchain
• Volatility: Cryptocurrency values can fluctuate significantly
• Network Risks: Blockchain networks may experience delays, congestion, or failures
• Smart Contract Risks: Smart contracts may contain bugs, vulnerabilities, or behave unexpectedly
• Regulatory Risk: Cryptocurrency regulations may change in your jurisdiction

8. User Responsibilities

You agree to:

• Verify all transaction details before confirming (recipient addresses, amounts, gas fees)
• Maintain secure backups of your private keys and recovery phrases
• Comply with all applicable laws, including tax obligations
• Not use the service for illegal activities
• Not attempt to hack, disrupt, or compromise the platform

9. Prohibited Activities

You may not use PandaWallets for:

• Money laundering or terrorist financing
• Fraud or scams
• Illegal transactions or purchases
• Market manipulation
• Violating sanctions or embargoes
• Impersonating others or creating fake accounts
• Distributing malware or viruses

Violation of these prohibitions may result in immediate account suspension or termination.

10. Privacy and Anonymity

PandaWallets is designed to protect user privacy and anonymity:

• We collect minimal personal information necessary for service operation
• We do not track or monitor your transactions
• Blockchain transactions are pseudonymous but publicly visible
• You are responsible for maintaining your own operational security

Please review our Privacy Policy for detailed information about data handling.

11. Service Availability

PandaWallets is provided "as-is" without warranties of any kind. We do not guarantee:

• Uninterrupted or error-free service
• Compatibility with all devices or browsers
• Availability of the service at all times

We may modify, suspend, or discontinue services at any time without notice.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• PandaWallets and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages
• We are not responsible for losses resulting from lost private keys, incorrect transaction details, smart contract failures, or cryptocurrency value fluctuations
• We are not liable for blockchain network issues, delays, or failures
• Our total liability shall not exceed the fees paid to us (if any) in the 12 months preceding the claim

13. Indemnification

You agree to indemnify and hold harmless PandaWallets, its operators, and affiliates from any claims, damages, or expenses arising from:

• Your use or misuse of the services
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Smart contracts you deploy or participate in

14. Intellectual Property

All content, trademarks, and intellectual property on PandaWallets are owned by us or our licensors. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or branding
• Reverse engineer our software

15. Termination

We may terminate or suspend your access to PandaWallets immediately, without notice, for:

• Violation of these Terms
• Suspected illegal activity
• Extended periods of inactivity
• Any reason at our sole discretion

As a non-custodial service, termination does not affect your ability to access your funds using your private keys through other means.

16. Dispute Resolution

These Terms shall be governed by the laws of the jurisdiction where PandaWallets is operated, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of PandaWallets shall be resolved through:

• Good faith negotiation between the parties
• If negotiation fails, binding arbitration in accordance with applicable arbitration rules
• You waive any right to participate in class actions or class arbitrations

17. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of PandaWallets after changes constitutes acceptance of the modified Terms.

18. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

19. Contact Information

For questions about these Terms, please contact us at:

Email: support@pandawallets.com

20. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and PandaWallets.

By using PandaWallets, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

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