1. Acceptance of Terms

By accessing or using the Application, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not access or use the Application.

2. Use of the Application

• License:Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to use the Application solely for your personal, non-commercial purposes.
• Prohibited Conduct:You agree not to: use the Application for unlawful purposes; attempt unauthorized access; interfere with or disrupt the Application; modify, reverse engineer, or disassemble any part; or use automated systems including bots, spiders, or scrapers.

3. Service Description

SEDL App provides a digital wallet platform that enables users to buy, store, send, and receive USD Coin (USDC) for everyday transactions. Users may purchase USDC using supported payment methods through integrated third-party ramp providers. All purchased assets are held in a custodial wallet managed by the Company. Users can transfer USDC to other Sedl users and convert USDC to fiat using various supported payout options.

4. Payment and Transaction Policies

• Purchases and Storage:Users may purchase USDC through third-party ramp providers integrated into the Application. All purchases are subject to verification procedures, limits, and fees. Purchased USDC is stored in your custodial wallet.
• Transfers and Withdrawals:USDC may be transferred to other Application users or converted back to fiat currency using supported withdrawal methods. Processing times and fees may vary by provider and method.
• Transaction Finality:All transactions are considered final once processed. The Company does not offer transaction reversals unless required by law. Fees may apply and will be disclosed at transaction time.
• Currency Handling:All transactions are denominated in USDC unless otherwise stated. Conversion to or from fiat currencies is handled by third-party providers.

5. Third-Party Integrations

• Ramp Aggregator:Onramper facilitates the purchase of USDC through various payment methods and verification procedures.
• KYC Provider:Persona is used to perform identity verification (Know Your Customer) requirements.
• Third-Party Terms:Your use of integrated services may be subject to respective terms and privacy policies of those providers. The Company is not responsible for third-party performance or practices.

6. User Rights and Responsibilities

• Comply with all applicable laws and regulations when using the Application
• Maintain the security and confidentiality of your account credentials
• Provide accurate and complete information during registration and verification
• Report any unauthorized access or security breaches immediately
• Use the Application only for legitimate personal or business purposes
• Respect intellectual property rights and refrain from unauthorized copying

7. Privacy and Data Protection

Your use of the Application is governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it carefully to understand how we collect, use, and protect your information.

8. Intellectual Property Rights

All content, features, and functionality on the Application, including software, design, text, graphics, logos, and images, are owned by or licensed to SEDL INC and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. All rights are reserved.

9. Disclaimer of Warranties

The Application is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. The Company expressly disclaims all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee uninterrupted or error-free operation of the Application.

10. Limitation of Liability

To the fullest extent permitted by law, SEDL INC shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including loss of profits, data, use, goodwill, or other intangible losses resulting from your use or inability to use the Application. Our total liability shall not exceed the amount paid by you for the services in the twelve months preceding the claim.

11. Dispute Resolution

If you have any issues or concerns related to your use of the Application or any transaction, please contact our support team first. Our dedicated support team will investigate and work to resolve disputes in a timely and professional manner. We may request additional information to process your complaint. If a satisfactory resolution cannot be reached through our support process, disputes will be resolved through the courts as specified in the Governing Law section.

12. Termination

The Company reserves the right to suspend or terminate your access to the Application at any time and for any reason, including if you violate these Terms. You may also terminate your account at any time by contacting our support team. Upon termination, all rights granted to you under these Terms will immediately cease, and you must stop using the Application.

13. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Delaware to resolve any legal matter arising from these Terms or the use of the Application.

14. Changes to Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. If we make material changes, we will notify you at least 30 days before the new Terms take effect through the Application or via email. Your continued use of the Application after the effective date of any changes constitutes your acceptance of the revised Terms.