Terms of Service for Owllet

Owllet is a non-custodial cryptocurrency wallet software. This means:

• We do not hold, control, or have access to your private keys, seed phrases, or cryptocurrency assets.
• We do not execute, process, or intermediate any transactions on your behalf.
• We are not a bank, financial institution, custodian, or money transmitter.
• All transactions occur directly on the relevant blockchain networks through your device.

You may use Owllet only if you are of legal age in your jurisdiction and are legally permitted to use cryptocurrency services under applicable law.

You represent that your use complies with all local, state, national, and international laws and regulations.

Owllet does not provide investment advice, trading recommendations, financial analysis, or any other professional guidance. All decisions are made at your own discretion and risk.

Cryptocurrency and blockchain technology involve significant risks, including but not limited to:

• Extreme price volatility and potential total loss of funds.
• Smart contract failures, bugs, or exploits.
• Network congestion, forks, or protocol changes.
• Phishing, malware, and security vulnerabilities on your device.
• Regulatory or legal changes.

Owllet may provide access to or integrate with third-party services such as fiat on-ramps, off-ramps, decentralized exchanges, or blockchain explorers.

These services are operated by independent parties. Any interactions, including KYC/AML processes, occur directly between you and the third party.

You should review the third party's terms and privacy policy before use.

You agree not to use Owllet for any illegal, fraudulent, or harmful purpose, including:

• Money laundering, terrorist financing, or sanctions evasion.
• Fraud, scams, or deceptive practices.
• Any activity that violates applicable laws or regulations in your jurisdiction.

Owllet is strictly a software interface. FOMOwl Inc. has no access to your funds and cannot reverse, cancel, or modify any blockchain transaction.

We cannot recover lost funds, seed phrases, or assets, and we cannot provide customer support for blockchain-level issues.

You agree to indemnify, defend, and hold harmless FOMOwl Inc. and its personnel from claims, losses, liabilities, damages, and expenses arising from your use of Owllet, your violation of these Terms or applicable laws, or any content or transactions you initiate.

We strive to provide reliable service but do not guarantee uninterrupted, error-free, or secure access. Owllet may be updated, modified, or temporarily unavailable for maintenance. We may discontinue features or the service itself at any time with or without notice.

All rights, title, and interest in Owllet, including software, logos, trademarks, and content, belong to FOMOwl Inc. We grant you a limited, non-exclusive, non-transferable, revocable license to use Owllet for personal, non-commercial purposes in accordance with these Terms.

You are solely responsible for complying with all applicable laws, including tax reporting obligations, in your jurisdiction. Cryptocurrency transactions may have tax implications.

These Terms are governed by the laws applicable to FOMOwl Inc. in its operating jurisdiction, without regard to conflict-of-law principles.

Disputes should first be resolved through good-faith negotiation. If unresolved, they may be submitted to the competent court or arbitration forum available under applicable law.

We may update these Terms periodically. We will notify you of material changes through in-app notice or other reasonable means. Your continued use of Owllet after the effective date constitutes acceptance of the revised Terms.