Index

HybridWallet Terms of Use

HYBRIDWALLET TECH, INC.

By using HybridWallet Free version and/or HybridWallet Premium version, I certify that did read, understood and agree with the Terms of Service and Use ("Terms").

The Website https://hybridwallet.io and mobile app and its related services are owned and operated by HybridWallet Tech, Inc.. You acknowledge that any use of this website/mobile app and any use of our Services (except for third-party APIs and/or services if you agreed to a separate set of terms), is subject to these Terms of Service and Use ("Terms").

GENERAL

• We reserve the right to change these Terms at any time, in our sole discretion. Any such changes in respect of your use of the Services will take effect when posted on the Website.

• It is your responsibility to read and to accept the Terms carefully on each occasion you use the Services. Your continued use of the Services shall signify your acceptance to be bound by the current Terms.

• Failure or delay by HybridWallet in enforcing or partially enforcing any provision of these Terms shall not be construed as a waiver of any rights.

• HybridWallet Premium belongs exclusively to the user along with the cost of the Services. It is not transferable.

• The user is solely responsible for the use, maintenance, operation and iOS updating of the product.

DEFINITIONS

• All references to the 'company,' 'us,' 'our,' 'we' or 'HybridWallet Premium' means HybridWallet Tech, Inc., a company registered under the laws of the State of Georgia, USA, registered with the Secretary of State of Georgia, USA, under number 18075787:

• All references to 'you,' 'your,' or the 'user' mean the person or persons using the Website/mobile app and/or using the Services via the Website/mobile app.

• All references to the 'Website' shall include reference to all URL's operated by HybridWallet.

• 'Business Day' means a day other than a public holiday, a Saturday or a Sunday, in the State of Georgia, USA.

• 'Virtual Currency' means virtual assets such as Bitcoin currency, or any other digital currency currently supported by HybridWallet.

• 'Services' means any feature provided by us via the Website or any local application (mobile or otherwise), including without limitation Wallet services or Blockchain information services, but excluding third-party API services, which are governed by a third-party agreement.

• 'Communication' includes communication by website or mobile push notifications.

• 'Force Majeure Event' means any event beyond HybridWallet's reasonable control, including, but not limited to, flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government communications, power failure, or equipment or software malfunction, or any law regarding cryptocurrency that may be enforced in the US.

ELIGIBILITY

• You hereby accept and acknowledge that you: (a) Are of legal age to agree to these Terms; (b) Have not previously been suspended or removed from using our Services.

• If you are using the Services on behalf of a legal entity, you further represent and warrant that: (i) The legal entity is duly organized and validly existing under the applicable laws of the jurisdiction of its organization, and (ii) You are duly authorized by such legal entity to act on its behalf.

JURISDICTION, TERRITORIAL LIMITATIONS & SEVERABILITY

• These Terms and your use of the Website and Services shall be governed by and construed in accordance with laws of the State of Georgia, USA. Any dispute arising in connection with these Terms or your use of the Website or Services will be resolved exclusively in the courts of the State of Georgia, USA. Nothing in these Terms shall be deemed to affect your statutory rights under laws the State of Georgia, USA.

• If any part of these Terms is held by any Court of the State of Georgia, USA, to be invalid or unenforceable in whole or in part, the validity or enforceability of the other sections of these terms and conditions shall not be affected. Any headings contained in these Terms are for informational purposes only and are not enforceable provisions of these Terms.

PRIVACY POLICY & SECURITY

• We endeavor to take all reasonable steps to protect your personal information. However, we cannot guarantee the security of any data you disclose online. You accept the inherent security risks of providing information and dealing online over the Internet and agree will not hold us responsible for any breach of security.

ASSUMPTION OF RISK, LIMITATIONS ON LIABILITY & INDEMNITY

• You accept and acknowledge that there are risks associated with utilizing an Internet- based Virtual Currency wallet service including, but not limited to, the risk of failure of hardware, software and Internet connections, the risk of malicious software introduction, and the risk that third parties may obtain unauthorized access to information stored within your Wallet, including, but not limited to your Wallet Address and Private Key (as defined below at HybridWallet Services). You accept and acknowledge that HybridWallet will not be responsible for any communication failures, disruptions, errors, distortions or delays you may experience when using the Services, however caused.

• You accept and acknowledge that there are risks associated with utilizing any Virtual Currency network, including, but not limited to, the risk of unknown vulnerabilities in or unanticipated changes to the network protocol. You acknowledge and accept that HybridWallet has no control over any cryptocurrency network and will not be responsible for any harm occurring as a result of such risks.

• We will use reasonable endeavors to verify the accuracy of any information on the Website but we make no representation or warranty of any kind, express or implied, statutory or otherwise, regarding the contents of the Website, information and functions made accessible through the Website, any hyperlinks to third party websites, or the security associated with the transmission of information though the Website or any website linked by the Website.

• We will not be responsible or liable to you for any loss and take no responsibility for and will not be liable to you for any use of our Services, including but not limited to any losses, damages or claims arising from: (a) User error such as forgotten passwords, incorrectly constructed transactions, or mistyped Virtual Currency addresses; (b) Server failure or data loss; (c) Corrupted Wallet files; (d) Unauthorized access to applications; (e) Any unauthorized third party activities, including without limitation the use of viruses, phishing, brute forcing or other means of attack against the Website or Services.

• We make no warranty that the Website, mobile app, or the server that makes it available, are free of viruses or errors, that its content is accurate, that it will be uninterrupted, or that defects will be corrected. We will not be responsible or liable to you for any loss of any kind, from action taken, or taken in reliance on material, or information, contained on the Website.

• Subject to Agreement of Hold HybridWallet Harmless below, any and all indemnities, warranties, terms and conditions (whether express or implied) are hereby excluded to the fullest extent permitted under the laws of the State of Georgia, USA.

• We will not be liable, in contract, or tort (including, without limitation, negligence), other than where we have been fraudulent or made negligent misrepresentations.

• Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraudulent misrepresentation, or any other liability which may not otherwise be limited or excluded under the laws of the State of Georgia, USA.

AGREEMENT TO HOLD HYBRIDWALLET HARMLESS

• You agree to hold harmless HybridWallet (and each of our officers, directors, members, employees, agents and affiliates) from any claim, demand, action, damage, loss, cost or expense, including without limitation reasonable legal fees, arising out or relating to:

• Your use of, or conduct in connection with, our Services;

• Any feedback or submissions you provide (see Governing Law, Arbitration below);

• Your violation of these Terms; or

• Violation of any rights of any other person or entity.

• If you are obligated to indemnify us, we will have the right, in our sole discretion, to control any action or proceeding (at our expense) and determine whether we wish to settle it.

NO LIABILITY FOR THIRD PARTY SERVICES AND CONTENT

• In using our Services, you may view content or utilize services provided by Third- parties, including links to web pages and services of such parties (“Third-Party Content”). We do not control, endorse or adopt any Third-Party Content and will have no responsibility for Third Party Content including, without limitation, material that may be misleading, incomplete, erroneous, offensive, indecent or otherwise objectionable in your jurisdiction. In addition, your dealings or correspondence with such third parties are solely between you and the third parties. We are not responsible or liable for any loss or damage of any sort incurred as a result of any such dealings and you understand that your use of Third Party Content, and your interactions with third parties, is at your own risk.

WALLET REGISTRATION

• You do not need to use a HybridWallet Premium wallet. If you wish to use the Wallet, you must create a wallet with HybridWallet to access the Services (“Wallet”). When you create a Wallet, you are strongly advised to take the following precautions, as failure to do so may result in loss of access to, and/or control over, your Wallet: (a) Backup your recently created wallet; (b) Activate the iOS device base protection such as PIN, TouchID or FaceID (whichever is available); (c) Maintain and promptly update your iOS and HybridWallet mobile app; (d) maintain the security of your Wallet by protecting your wallets backup; (e) Promptly notify us via website if you discover or otherwise suspect any security breaches related to your Wallet (f) use the backup functionality provided by the Wallet and safeguard your backup files as you would safeguard your most important personal information.

• You hereby accept and acknowledge that you take responsibility for all activities that occur under your Wallet and accept all risks of any authorized or unauthorized access to your Wallet, to the maximum extent permitted by law.

THE HYBRIDWALLET SERVICES

• As described in more detail below, the Services, among other things, provide in- browser (or otherwise local) software that (a) Generates and stores Virtual Currency Wallet Addresses and encrypted Private Keys (defined below), and (b) Facilitates the submission of Virtual Currency transaction data to the relevant Virtual Currency blockchain network without requiring you to download or install the associated Virtual Currency network software to your local device.

• Wallet Address and Private Key and Backup Phrase. When you create a Wallet, the Services generate and store a cryptographic private and public key pair that you may use to send and receive any supported Virtual Currency via the relevant Virtual Currency network. The Private Key uniquely matches the Wallet Address and must be used in connection with the Wallet Address to authorize the transfer of Virtual Currency from that Wallet Address. You are solely responsible for maintaining the security of your Private Key and any backup phrase associated with your wallet. You must keep your Wallet Address, backup phrase and Private Key access information secure. Failure to do so will result in the loss of control of Virtual Currency associated with the Wallet.

• Transactions. In order to be completed, all proposed Virtual Currency transactions must be confirmed and recorded in the Virtual Currency public ledger associated with the relevant Virtual Currency network. Such networks are decentralized, peer-to-peer networks supported by independent third-parties, which are not owned, controlled or operated by HybridWallet. Virtual Currency networks are operated by decentralized networks of independent third parties. Blockchain has no control over any Virtual Currency network and therefore cannot and does not ensure that any transaction details you submit via the Services will be confirmed via the relevant Virtual Currency network. You acknowledge and agree that the transaction details you submit via the Services may not be completed, or may be substantially delayed, by the Virtual Currency network used to process the transaction.

• No Storage or Transmission of Virtual Currency. A Virtual Currency is an intangible, digital asset. They exist only by virtue of the ownership record maintained in the underlying Virtual Currency network. The Services do not store, send or receive Virtual Currency. Any transfer of title that might occur in any Virtual Currency occurs on the decentralized ledger within the Virtual Currency network and not within the Services. We do not guarantee that the Service can affect the transfer of title or right in any Virtual Currency.

• Relationship. Nothing in these Terms is intended to nor shall create any partnership, joint venture, agency, consultancy or trusteeship, you and HybridWallet being with respect to one another independent contractors.

• Accuracy of Information. You represent and warrant that any information that you may provide via the Services is accurate and complete. You accept and acknowledge that HybridWallet is not responsible for any errors or omissions that you make in connection with any Virtual Currency transaction initiated via the Services, for instance, if you mistype a Wallet Address or otherwise provide incorrect information. We strongly encourage you to review your transaction details carefully before completing them via the Services.

• No Cancellations or Modifications. Once transaction details have been submitted to the Virtual Currency network via the Services, the Services cannot assist you to cancel or otherwise modify your transaction details. HybridWallet has no control over any Virtual Currency network and does not have the ability to facilitate any cancellation or modification requests.

• Taxes. It is your responsibility to determine what, if any, taxes apply to the transactions you for which you have submitted transaction details via the Services, and it is your responsibility to report and remit the correct tax to the appropriate tax authority. You agree that HybridWallet is not responsible for determining whether taxes apply to your Virtual Currency transactions or for collecting, reporting, withholding or remitting any taxes arising from any Virtual Currency transactions.

FEES FOR USING THE BLOCKCHAIN SERVICES

• Creating a paid HybridWallet Premium requests to charge fees for any Services. The applicable fees will be displayed prior to you using any Service to which a fee applies.

MINERS FEES

• Overview of Virtual Currency Mining. A Virtual Currency network is a network of computers operated by individuals or entities known as “miners,” who voluntarily participate in the process of confirming transactions on the network. These computers (known as “mining rigs”) compile a list or “block” of pending transactions, verify that each transaction in the block is valid and does not involve an attempt to double-spend coins, and attempt to complete a mathematical algorithm that determines whether the block may be added to the public ledger of confirmed blocks, called the “blockchain.” Typically, miners receive: (i) An amount of Virtual Currency as a reward for any confirmed transaction, generated automatically via the Virtual Currency mining protocol; and (ii) Any fees voluntarily included within the block by the individuals who initiated the proposed transactions (“Miners Fees”). Since miners verify Virtual Currency transactions on a voluntary basis, it is customary to include a Miners Fee in order to provide an incentive to the miners to add a proposed transaction to the next block for confirmation via the Virtual Currency network.

DEFAULT MINERS FEE

• For Bitcoin, you may choose between four Miners Fee settings: (i) Low Priority, (ii) Economy (iii) Normal and (iv) Priority. You accept and acknowledge that HybridWallet does not receive any Miners Fees in connection with providing the Services, and is not responsible for the speed at which your transactions may be verified by miners.

• NO RIGHT TO CANCEL HYBRIDWALLET SERVICES OR MINERS FEES

• If you use a Service to which a charge applies, or you initiate a transaction with a Miners Fee via the Services, you will not be able to change your mind once you have confirmed that you wish to proceed with the Service or transaction.

DISCONTINUANCE OF SERVICES

• We may, in our sole discretion and without cost to you, with or without prior notice and at any time, modify or discontinue, temporarily or permanently, any portion of our Services. You are solely responsible for storing, outside of the Services, a backup of any Wallet Address and Private Key pair that you maintain in your Wallet.

• If you do not maintain a backup of your Wallet data outside of the Services, you may not be able to access Virtual Currency associated with any Wallet Address maintained in your Wallet in the event that we discontinue or deprecate the Services.

SUSPENSION OR TERMINATION OF SERVICES

• We may suspend or terminate your access to the Services in our sole discretion, immediately and without prior notice, and delete or deactivate your Wallet and all related information and files in such without cost to you, including, for instance, in the event that you breach any term of these Terms. In the event of termination, your access to funds will depend on your access to your backup of your Wallet data including your wallet Address and Private Key.

ACCEPTABLE USE

• When accessing or using the Services, you agree that you will not commit any unlawful act, and that you are solely responsible for your conduct while using our Services. Without limiting the generality of the foregoing, you agree that you will not:

• Use our Services in any manner that could interfere with, disrupt, negatively affect or inhibit other users from fully enjoying our Services, or that could damage, disable, overburden or impair the functioning of our Services in any manner;

• Use our Services to pay for, support or otherwise engage in any illegal activities, including, but not limited to illegal gambling, fraud, money laundering, or terrorist activities.

• Use any robot, spider, crawler, scraper or other automated means or interface not provided by us to access our Services or to extract data;

• Use or attempt to use another user's Wallet without authorization;

• Attempt to circumvent any content filtering techniques we employ, or attempt to access any service or area of our Services that you are not authorized to access;

• Introduce to the Services any virus, Trojan, worms, logic bombs or other harmful material;

• Develop any third-party applications that interact with our Services without our prior written consent;

• Provide false, inaccurate, or misleading information; or

• Encourage or induce any third party to engage in any of the activities prohibited under this Section.

INTELLECTUAL PROPERTY RIGHTS

• Unless otherwise indicated by us, all intellectual property rights in the Website, mobile app and in any content provided in connection with our Services, are the property of HybridWallet or our licensors or suppliers and are protected by applicable intellectual property laws. We do not give any implied license for the use of the contents of the Website.

• You accept and acknowledge that the material and content contained within the Website is made available for your personal, lawful, non-commercial use only and that you may only use such material and content for the purpose of using the Website. You further acknowledge that any other use of content from the Website is strictly prohibited and you agree not to infringe or enable others to infringe on our intellectual property rights.

• You agree to retain all copyright and other proprietary notices contained in the material and content within the Website on any copy you make of the material, but failing to do so shall not prejudice HybridWallet's intellectual property rights therein.

• You may not sell or modify the Website materials or reproduce, display, publicly perform, distribute or otherwise use the materials in any way for any public or commercial purpose. Your use of the materials on any other website or on a file-sharing or similar service for any purpose is prohibited.

• You may not copy any material or content contained on the Website or accessible through the Website without our written permission. Any rights not expressly granted herein to use the materials contained on the Website are reserved by HybridWallet in full.

GOVERNING LAW, ARBITRATION

• This Agreement will be governed by and construed in accordance with the laws of the State of Georgia without reference to conflict of law or choice of law provisions, and applicable federal law (including the Federal Arbitration Act). If a disagreement or dispute in any way involves the Services or these Terms and cannot be resolved between you and us with reasonable effort, the disagreement or dispute shall be resolved exclusively by final and binding arbitration by the American Arbitration Association ("AAA"), and will be conducted before a single arbiter pursuant to the applicable Rules and Procedures established by the AAA. You agree that the arbitration shall be held in the State of Georgia. You agree that the arbiter will apply the laws of the State of Georgia consistent with the Federal Arbitration Act, and will honor and agree to all applicable statutes of limitation. You agree that, unless prohibited by law, there shall be no authority for any claims to be arbitrated on a class or representative basis, and arbitration will only decide a dispute between you and us. Arbitration proceedings must be initiated within one (1) year after the disagreement or dispute arises. If any part of this Arbitration clause is later deemed invalid as a matter of law, then the remaining portions of this section shall remain in effect, except that in no case shall there be a class arbitration.

AMENDMENT

• We may update or change these Terms from time to time by posting the amended Terms on our website. Such updates or changes shall be effective at the time of posting. If you continue to use the Services after we provide notice of such changes, your continued use constitutes an acceptance of the amended Terms and an agreement to be bound by them. If you do not agree to the amended Terms, you must discontinue your use of the Services.

FORCE MAJEURE

• If by reason of any Force Majeure Event, either you or HybridWallet is delayed or prevented from complying with any of these Terms, then such delay or non-compliance shall not be deemed to be a breach of these Terms and no loss or damage shall be claimed by you or HybridWallet by reason thereof.

NATURE OF AGREEMENT

• These Terms constitute the entire agreement between you and HybridWallet with respect to the subject matter of these Terms and these Terms cancel and supersede any prior understandings and agreements between you and HybridWallet as to that subject matter. You may not assign any of your rights or obligations under these Terms without our prior written consent.

CoreBitcoin License

DO WHAT YOU WANT TO PUBLIC LICENSE TERMS AND CONDITIONS FOR COPYING, DISTRIBUTION AND MODIFICATION

0. You just do what you want to.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.

OpenSSL License

Redistribution and use in source and binary forms, with or without modification, are permitted provided that the following conditions are met:

1. Redistributions of source code must retain the above copyright notice, this list of conditions and the following disclaimer.

2. Redistributions in binary form must reproduce the above copyright notice, this list of conditions and the following disclaimer in the documentation and/or other materials provided with the distribution.

3. All advertising materials mentioning features or use of this software must display the following acknowledgment: "This product includes software developed by the OpenSSL Project for use in the OpenSSL Toolkit. (http://www.openssl.org/)"

4. The names "OpenSSL Toolkit" and "OpenSSL Project" must not be used to endorse or promote products derived from this software without prior written permission. For written permission, please contact openssl-core@openssl.org.

5. Products derived from this software may not be called "OpenSSL" nor may "OpenSSL" appear in their names without prior written permission of the OpenSSL Project.

6. Redistributions of any form whatsoever must retain the following acknowledgment: "This product includes software developed by the OpenSSL Project for use in the OpenSSL Toolkit (http://www.openssl.org/)"

THIS SOFTWARE IS PROVIDED BY THE OpenSSL PROJECT ``AS IS'' AND ANY EXPRESSED OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE ARE DISCLAIMED. IN NO EVENT SHALL THE OpenSSL PROJECT OR ITS CONTRIBUTORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES; LOSS OF USE, DATA, OR PROFITS; OR BUSINESS INTERRUPTION) HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) ARISING IN ANY WAY OUT OF THE USE OF THIS SOFTWARE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

___________________________________

This product includes cryptographic software written by Eric Young (eay@cryptsoft.com).

This product includes software written by Tim Hudson (tjh@cryptsoft.com).

FMDB License

Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the "Software"), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software.