Terms of Service

everything · E for Everything Limited · Version 1.0 · Effective 29 September 2026

Please read these Terms before using the App. They set out what the App does, what it does not do, and how risk is allocated between you and us. Section 5 explains that we cannot recover your wallet or your funds if you lose access to it. Sections 15 and 16 limit our liability to you. Section 19 sets out how disputes are resolved.

1. Who we are and what these Terms cover

1.1 These Terms of Service (the "Terms") are a legal agreement between you and E for Everything Limited, a company incorporated in the British Virgin Islands with company number 2207801 and registered office at Vistra Corporate Services Centre, Wickhams Cay II, Road Town, Tortola, VG1110, British Virgin Islands ("E for everything", "we", "us", "our").

1.2 They govern your access to and use of everything (the "App") — our self-custodial cryptocurrency wallet application, distributed under that name through the Apple App Store and Google Play, for iOS and Android (the "Service").

1.3 By downloading, installing, accessing or using the Service you agree to these Terms. If you do not agree, do not use the Service. Our Privacy Policy is incorporated into these Terms by reference and forms part of them. It is available in the App and at everything.co without registration. Where there is a conflict between these Terms and the Privacy Policy, these Terms prevail, except that nothing in these Terms affects a mandatory right you have as a consumer under the law of the country in which you are habitually resident.

1.4 E for Everything Limited is a distinct legal entity and is solely responsible for the Service. Nothing in the Service should be taken as a representation that any other company, group or brand is responsible for it or stands behind it. The App shares a sign-in identity with the everything trading platform: the same email address resolves to the same account across both. This interconnection is identity-only. The App does not share any balance, custodial ledger, funds or transfer channel with any trading platform or other product; no asset in your self-custodial wallet is accessible to or through any other product, and no recovery, support or administrative action taken at the trading-platform account level can change who controls a wallet or reach its signing capability.

2. What the App is

2.1 The App is software. It is a self-custody interface that lets you provision a cryptographic key that only your authenticated sign-in can use, view balances and transaction history from the Ethereum blockchain, and construct and sign transactions that are then broadcast to the network. In this version, the App does one thing: it lets you hold, send and receive crypto-assets on the Ethereum network.

2.2 The following are accurate statements of what we do and do not do.

• We do not hold, control or have any usable access to your private key or your funds.
• We do not take custody of crypto-assets or fiat currency at any point.
• We do not operate a cryptocurrency exchange, a trading venue, a brokerage or an order book, and the App provides no facility to trade, swap, convert, buy or sell crypto-assets.
• We do not execute, settle, clear or reverse transactions. Transactions are signed for your wallet and broadcast to the blockchain.
• We do not hold client money, and no deposit guarantee or investor compensation scheme applies to anything you do through the Service.

2.3 We are not your agent, broker, fiduciary, trustee or adviser. We do not act on your instructions in relation to your assets, because we have no ability to do so.

2.4 Where the Service displays balances, prices, valuations, transaction history or network conditions, that information is sourced from the public blockchain and from third-party data providers. It is provided for convenience, may be delayed, incomplete or wrong, and must not be relied on as a definitive record. The blockchain itself is the authoritative record.

3. Eligibility

3.1 You may use the Service only if you are at least 18 years old, or older where the age of majority in your jurisdiction is higher, and you have the legal capacity to enter into these Terms.

3.2 You must not use the Service if you are:

• located in, ordinarily resident in, a national of, or accessing the Service from a Restricted Jurisdiction as defined in section 4;
• a person who is the target of, or owned or controlled by a person who is the target of, economic or trade sanctions administered or enforced by the United Nations, the United Kingdom (including measures extended to the British Virgin Islands), the European Union, the United States Office of Foreign Assets Control, or any other applicable authority;
• prohibited from using the Service by any law that applies to you.

3.3 By using the Service you represent, on each occasion you use it, that section 3.2 does not apply to you and that your use is lawful where you are. Determining whether your use is lawful in your own jurisdiction is your responsibility, not ours.

3.4 We may require you to confirm your eligibility, and we may decline or withdraw access if we are not satisfied.

4. Restricted Jurisdictions and access controls

4.1 "Restricted Jurisdiction" means any country or territory that is subject to comprehensive sanctions, is identified by the Financial Action Task Force as a high-risk jurisdiction subject to a call for action or as a jurisdiction under increased monitoring, or that we otherwise determine to exclude for legal, regulatory, sanctions or risk reasons.

4.2 We maintain a list of Restricted Jurisdictions and update it from time to time. Countries may be added or removed as sanctions regimes, FATF listings and our own risk assessment change. A jurisdiction being available today is not a commitment that it will remain available.

4.3 We control where the Service is distributed, primarily through app store availability settings, and may apply further technical controls — such as IP-based restrictions or user declarations — where we consider them necessary. These controls are risk-based, not infallible, and the fact that access happens to be technically possible from a location does not make it permitted under these Terms.

4.4 You must not use a VPN, proxy, false declaration or any other means to circumvent or misrepresent your location. Doing so is a material breach of these Terms.

4.5 Because the App is self-custodial, restricting your access to the App does not restrict your access to your assets. Your wallet exists on the blockchain independently of us. If you have exported your private key, you can access your assets in any compatible wallet using that key.

5. Your keys are your responsibility

This is the most important section in these Terms. Access to your wallet depends on your email sign-in, and on the private key you can export. If you permanently lose access to your sign-in and have not exported your private key, your assets are gone and there is nothing we can do. This is not a policy choice we could reverse if we wanted to. It is how self-custody works.

5.1 When you first sign in, a private key is generated for your wallet inside a hardware-backed trusted execution environment (a secure enclave) operated by our wallet-infrastructure provider, and is held only as encrypted cryptographic shares under a threshold scheme. No single share discloses anything about the key. One share is sealed inside the enclave and can be decrypted only there; the other is released only against your valid authentication. The key is reassembled only inside the enclave, only for the moment needed to sign a transaction you have authorised, and is destroyed immediately afterwards. We do not, at any time, hold your private key in a form we can read or use; we do not escrow it; and we have no means of moving, freezing, reconstructing or recovering it. No director, employee or contractor of ours has an access path to usable key material, and neither we nor our provider can sign for your wallet without your authentication. You are not given, and are not asked to record, a seed phrase or recovery phrase.

5.2 You can export your private key at any time from Settings. Your exported private key is your own backup and the only thing that lets you reach your assets if you lose access to your sign-in. Store it securely and offline. Anyone who obtains your private key has complete and irreversible control of your assets — they do not need your device, your email or your consent. Never enter it into any website, application, message or form other than a wallet you are restoring yourself.

5.3 You are solely responsible for:

• keeping access to the email, Google or Apple sign-in that your wallet is provisioned to, and understanding that this sign-in is your route to the wallet;
• exporting and safely storing your private key if you want a backup that does not depend on that sign-in, and keeping that key offline and private;
• the security of the device or devices on which you use the Service, including the device passcode, operating system updates and screen lock;
• verifying every transaction detail before signing — the destination address, network, asset, amount and fee;
• the consequences of any transaction you authorise, whether or not you intended them;
• maintaining your own records for tax and any other purpose.

5.4 We will never ask you for your private key. No genuine member of our team will ever do so, in any channel, under any circumstance. Any such request is fraud.

5.5 Blockchain transactions are irreversible. Once broadcast and confirmed, a transaction cannot be cancelled, recalled, reversed or refunded by us, by you, or by anyone. Sending assets to a wrong address, an incompatible network or a contract that cannot return them will result in permanent loss.

6. Your account and sign-in

6.1 You access the Service by signing in with a one-time code sent to your email address, or with Google or Apple. There is no password. Any of these credentials that resolves to the same email address gives you the same account and the same wallet. Signing in with Apple's "Hide My Email" uses a different email address and therefore provisions a different wallet.

6.2 When you first sign in, the App automatically provisions your wallet. There is no separate backup step and no seed phrase to record. One account maps to exactly one wallet. Signing in on a new device restores the same wallet. You may be signed in on more than one device at the same time.

6.3 Your sign-in is not a substitute for control of your key. It is the means by which you reach your wallet; it is not a password we can reset to give you back a wallet you have lost access to. If your sign-in is compromised, a person who can receive your sign-in code or use your linked Google or Apple account may be able to reach your wallet, so protect those accounts accordingly.

6.4 We may apply security controls to sign-in, including locking an account for a period after repeated failed code entries. You must provide accurate information, keep your sign-in and devices secure, and notify us promptly at support@everything.co of any unauthorised access. You are responsible for activity under your account. You may not create an account on behalf of another person without authority, or use the Service to evade a restriction.

7. Supported network and assets

7.1 This version of the App supports the Ethereum network only. It supports sending and receiving ETH and Ethereum-based tokens. Sending or receiving on any other network is not supported, and assets sent to your address on any other network may be permanently lost.

7.2 Your holdings are discovered automatically from the blockchain: whatever your address receives on the Ethereum network is displayed. We do not operate a whitelist and do not review, endorse, audit or verify the assets that appear. Displaying an asset in the App is not an endorsement of it, a representation about its legal status, or any statement about its value, quality, safety or prospects.

7.3 Anyone can send assets to a public address without your consent. Tokens may therefore appear in your wallet that you did not acquire and did not ask for. These are frequently used to lure holders into interacting with a malicious contract or website, and some cannot be removed from a public address at all. We are not responsible for unsolicited assets appearing in your wallet, for their content or origin, or for any consequence of you interacting with them. Do not interact with a token you do not recognise, and do not visit a website or approve a request that an unfamiliar token directs you to.

7.4 We may add or remove support for a network, asset or feature at any time, including where a network is deprecated, becomes insecure, or presents an unacceptable legal or technical risk. In any event your assets remain on the blockchain, and if you have exported your private key you can reach them in any compatible wallet.

8. Sending and receiving

8.1 When you send, the App checks that you have enough to cover the transaction: sending ETH requires the amount plus the network fee to be within your ETH balance, and sending a token requires the amount to be within your token balance and the network fee to be within your ETH balance. Network fees are always paid in ETH. You choose a fee tier, and the confirmation screen is the single point at which you review and approve a transaction before it is submitted. Signing is authorised by your valid sign-in session.

8.2 Once submitted, a transaction is irreversible. While it is pending, the amount is held out of your available balance and the transaction hash is visible to you. If the transaction fails on-chain, the amount is released back to your available balance, but the network fee is not refunded. Submitting the same transfer twice creates two independent transactions.

8.3 To receive, you share your wallet address, shown as text and as a QR code. Your address receives any Ethereum-network asset without a selection step. Only send or receive assets on the Ethereum network to this address; assets sent on the wrong network are permanently lost.

9. Fees

9.1 Network fees. Every blockchain transaction incurs a fee payable to the network, not to us. Network fees fluctuate with congestion and are not refundable, including where a transaction fails or reverts.

9.2 Our fees. We do not currently charge a fee for holding, sending or receiving through the App. If we introduce a fee for a feature in future, we will make it clear, and the amount you will pay and the amount you will receive, before you confirm the transaction. By confirming, you accept any fee disclosed to you. If a fee is not acceptable to you, do not proceed.

10. No advice

10.1 Nothing in the Service is investment, financial, legal, tax or accounting advice, a recommendation, an endorsement, or a solicitation to buy, sell or hold anything. We do not advise on the merits, suitability, value or prospects of any asset, and nothing presented in the Service is tailored to your circumstances. Market data and charts shown in the App are for information only.

10.2 You alone decide what to do. If you need advice, take it from a qualified professional in your jurisdiction.

10.3 You are solely responsible for determining and meeting any tax liability arising from your activity. We do not provide tax reporting and do not withhold tax.

11. Acceptable use

11.1 You must not use the Service to:

• break any law that applies to you, or facilitate anyone else in doing so;
• launder money, finance terrorism or proliferation, evade sanctions, or handle the proceeds of crime;
• commit or facilitate fraud, theft, extortion, ransomware or market manipulation;
• conceal the origin, ownership or destination of funds in a way intended to defeat lawful scrutiny;
• attempt to access another user's account, wallet or data;
• reverse engineer, decompile, tamper with, probe or attack the Service, or introduce malicious code, except to the extent this restriction is unenforceable under applicable law;
• scrape, harvest, or place automated or excessive load on the Service or on any provider we rely on;
• circumvent a geographic, age, security or eligibility control;
• impersonate us, misrepresent your association with us, or use our name or marks without permission.

11.2 Breach of this section entitles us to suspend or terminate your access immediately and, where appropriate, to preserve records and report the matter to a competent authority.

12. Compliance and lawful requests

12.1 We will comply with legal obligations that apply to us, including sanctions obligations and lawful orders from courts, regulators and law enforcement.

12.2 We may restrict, suspend or terminate access to the Service where we reasonably consider it necessary to comply with law, manage sanctions or financial crime risk, protect the Service or its users, or respond to suspected fraud or misuse. Where we may lawfully tell you, we will.

12.3 Any such restriction affects the interface only. It does not affect the existence of your wallet on the blockchain, and it does not affect your ability to reach your assets using a private key you have exported.

13. Intellectual property

13.1 We and our licensors own all intellectual property rights in the Service, including software, interfaces, designs, text, graphics, and the "everything" name and marks. Nothing in these Terms transfers any of those rights to you.

13.2 We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the App for its intended purpose, in accordance with these Terms.

13.3 Certain components may be open source and licensed under their own terms, which prevail over this section to the extent of any conflict.

13.4 If you send us feedback or suggestions, you grant us an unrestricted, perpetual, irrevocable, worldwide, transferable and sub-licensable royalty-free right to use, modify and exploit them for any purpose, without obligation, attribution or payment to you.

14. Availability

14.1 We aim to keep the Service available but do not guarantee that it will be uninterrupted, timely, secure or error-free. We may suspend, withdraw, restrict or modify all or part of the Service, with or without notice, including for maintenance, security or legal reasons.

14.2 The Service depends on things outside our control, including the public Ethereum network, node and data providers, app store platforms, internet connectivity and your own device. Their failure is not our failure.

14.3 If the Service is unavailable, your assets are unaffected. They remain on the blockchain and can be reached with your exported private key in any compatible wallet.

14.4 Force majeure. We are not liable for any failure or delay in performing our obligations caused by an event beyond our reasonable control, including act of God, natural disaster, fire, flood, epidemic or pandemic, war, terrorism, civil unrest, industrial action, act of government or regulator, sanctions, change of law, failure of a telecommunications or internet provider, failure or compromise of a public blockchain network, failure of a cloud, node or data provider, cyber attack, or the withdrawal or suspension of the App by an application marketplace. Where such an event continues for more than 60 days, either party may terminate these Terms on notice.

15. Disclaimers

15.1 To the maximum extent permitted by law, the Service is provided "as is" and "as available", and we exclude all warranties, conditions, representations and terms not expressly set out in these Terms, whether express, implied or statutory, including any implied warranty of merchantability, satisfactory quality, fitness for a particular purpose, title, accuracy or non-infringement.

15.2 We do not warrant that the Service will meet your requirements, that defects will be corrected, that data displayed will be accurate or current, or that the Service or its infrastructure is free of vulnerabilities.

15.3 Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud or fraudulent misrepresentation, or for death or personal injury caused by negligence. If you deal with us as a consumer, you may have statutory rights that these Terms do not affect.

16. Limitation of liability

16.1 Subject to section 15.3 and to the maximum extent permitted by law, we are not liable for:

• loss of, or inability to access, private keys, sign-in credentials or wallets;
• assets sent to an incorrect, incompatible or unrecoverable address, or on the wrong network;
• any transaction you authorised, including one procured by fraud, phishing, social engineering or a malicious application;
• the acts, omissions, solvency, security or regulatory status of any decentralised application, smart contract, protocol, token issuer or counterparty you choose to interact with;
• blockchain network failures, congestion, forks, reorganisations, consensus attacks, validator or bridge failures, or protocol changes;
• movements in the value of any crypto-asset;
• inaccurate, delayed or unavailable price, balance or transaction data supplied by a third party;
• unauthorised access to your device, account or wallet other than as a direct result of our breach of these Terms;
• any indirect, consequential, special, incidental or punitive loss, or any loss of profit, revenue, opportunity, goodwill, business or data, however arising.

16.2 Subject to section 15.3, where we are found liable notwithstanding the above, our total aggregate liability to you for all claims arising out of or in connection with the Service in any twelve-month period is limited to the greater of (a) the total fees you paid to us in that period and (b) US$100.

16.3 This section survives termination and applies regardless of the form of action, whether in contract, tort, statute or otherwise.

17. Indemnity

17.1 You will indemnify and hold harmless E for Everything Limited and its directors, officers, employees and agents against any claim, loss, liability, cost or expense, including reasonable legal fees, arising from your breach of these Terms, your violation of any law, your infringement of a third party's rights, or your fraud, negligence or wilful misconduct.

17.2 This indemnity does not apply to the extent the claim arises from our own breach of these Terms or our wilful misconduct, or where the law that applies to you does not permit it.

18. Changes, suspension and termination

18.1 We may amend these Terms. We will publish the amended Terms with a new version number and effective date, and where a change is material we will give reasonable advance notice in the App or by email. Continuing to use the Service after the effective date means you accept the change. If you do not accept it, stop using the Service.

18.2 You may stop using the Service and delete the App at any time. Before you do, make sure you can still reach your wallet — either through your sign-in or through a private key you have exported. Deleting the App does not delete your wallet, and without a means of access you will not be able to reach it.

18.3 We may suspend or terminate your access, with notice where practicable and immediately where not, if you breach these Terms, if we are required to by law, or if continued access presents an unacceptable legal, security or financial crime risk.

18.4 Sections 2.3, 5, 10, 12.3, 13, 15, 16, 17, 19 and 20, together with any other provision which by its nature is intended to survive, survive termination. Termination does not affect any right or liability accrued before it takes effect.

19. Governing law and disputes

19.1 These Terms and any dispute arising out of or in connection with them, including any non-contractual dispute, are governed by the laws of the British Virgin Islands.

19.2 Complaints. If you are dissatisfied with the Service, tell us first. Contact support@everything.co, or legal@everything.co for a formal complaint, setting out what happened, when, and what outcome you are seeking. We will acknowledge your complaint promptly, investigate it, and give you a substantive written response with our reasons.

19.3 Before starting formal proceedings, you agree to raise the matter with us as above and allow 30 days for us to try to resolve it. Most disputes are resolved this way.

19.4 If it is not resolved, any dispute will be finally settled by arbitration administered by the Hong Kong International Arbitration Centre (HKIAC) under its rules then in force. The seat of arbitration is Hong Kong, the tribunal will consist of one arbitrator, and the language of the arbitration is English.

19.5 Claims must be brought in an individual capacity. You and we each waive any right to bring or participate in a class, collective or representative action, and an arbitrator may not consolidate claims or preside over a representative proceeding, except where that waiver is unenforceable under a law that applies to you.

19.6 Nothing in this section prevents either party from seeking urgent injunctive or interim relief from a court of competent jurisdiction, or affects any mandatory right you have as a consumer to bring proceedings in the courts of your country of residence.

20. General

20.1 Entire agreement. These Terms, together with the Privacy Policy, are the entire agreement between us about the Service and replace anything said or written before.

20.2 Severability. If a provision is held unenforceable, it is modified to the minimum extent necessary or severed, and the rest stands.

20.3 No waiver. Not enforcing a right does not waive it.

20.4 Assignment. You may not assign these Terms. We may assign them to an affiliate or successor on notice to you. We will not assign them in a way that reduces your rights under these Terms.

20.5 No third-party rights. No person other than you and us may enforce these Terms, except that Apple and its subsidiaries are third-party beneficiaries of these Terms as set out in section 20.6 and may enforce them against you.

20.6 App store terms. Where you obtained the App through the Apple App Store or Google Play, that platform's terms also apply. The platform is not a party to these Terms, has no obligation to provide support for the App, and is not responsible for any claim relating to it.

20.7 Language. These Terms are made in English. Any translation is for convenience, and the English version prevails.

20.8 Notices. We may give notice through the App, by email, or on everything.co. You may give notice to legal@everything.co or in writing to E for Everything Limited, Vistra Corporate Services Centre, Wickhams Cay II, Road Town, Tortola, VG1110, British Virgin Islands.