Terms of Service

1. Introduction & Acceptance of Terms

1.1 Overview

Pulse Wallet ("Pulse Wallet," "Company," "we," "us," or "our") is a decentralized blockchain technology platform that enables users ("User," "you," or "your") to interact with digital assets via our Android mobile application, iOS mobile application, web browser add-on, and official website (https://thepulsewallet.org/), collectively referred to as the "Platform" or "Services."

Pulse Wallet is operated under the auspices of EmeraldCap LLC, a duly registered and legally functioning entity in St. Vincent and the Grenadines. Pulse Wallet does not provide financial, investment, custodial, or brokerage services, nor does it exercise control over blockchain transactions, private keys, or digital assets.

1.2 Binding Nature of Agreement

By accessing, downloading, installing, or using the Platform in any capacity, you acknowledge, agree, and represent that you have read, understood, and unconditionally accept all terms and conditions set forth in this Terms of Service ("Agreement"), including any future modifications.

If you do not agree with any part of this Agreement, you must immediately cease using the Platform, delete all instances of Pulse Wallet software from your devices, and discontinue all access to the Services. Your continued use of the Platform constitutes irrevocable acceptance of these Terms.

1.3 Non-Custodial Nature of Services

Pulse Wallet is a non-custodial software interface. You acknowledge, understand, and agree that:

(a) You retain sole and exclusive control over your private keys, digital assets, and wallet credentials;

(b) Pulse Wallet does not store, manage, access, or recover private keys, passwords, seed phrases, or digital assets on your behalf;

(c) All transactions initiated through the Platform are irreversible and final, and Pulse Wallet bears no responsibility for any loss, misplacement, or unauthorized access to digital assets.

Under no circumstances shall Pulse Wallet assume, control, or be liable for any financial loss, data breach, service disruption, or security incident related to your use of the Platform.

1.4 No Financial, Investment, or Legal Advice

The Platform is strictly a technological tool and does not provide financial, investment, tax, legal, or regulatory advisory services.

(a) Pulse Wallet does not endorse, facilitate, or guarantee the execution, security, or profitability of any digital asset transaction or investment;

(b) You are solely responsible for conducting due diligence, evaluating risks, and obtaining independent financial or legal advice before engaging with blockchain-based applications, smart contracts, decentralized finance (DeFi) protocols, or digital assets;

(c) Under no circumstances shall Pulse Wallet or EmeraldCap LLC be liable for any financial losses, market fluctuations, or security vulnerabilities affecting digital assets.

1.5 No Warranties & Assumption of Risk

By using the Services, you explicitly acknowledge and agree that:

(a) The Platform is provided "AS IS" and "AS AVAILABLE," WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES, including but not limited to merchantability, fitness for a particular purpose, non-infringement, or error-free functionality;

(b) The use of blockchain technology and digital assets is inherently risky, and you assume all liability for:

• Permanent loss of access to funds due to lost private keys, incorrect transactions, or forgotten credentials;

• Network congestion, transaction delays, smart contract bugs, and price volatility;

• Third-party hacks, exploits, or regulatory actions affecting digital assets.

Pulse Wallet disclaims all liability for damages, losses, or claims arising from blockchain malfunctions, market fluctuations, software vulnerabilities, or force majeure events.

1.6 Entire Agreement & Severability

This Agreement constitutes the entire and exclusive understanding between you and Pulse Wallet concerning your use of the Platform. If any provision of this Agreement is found to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect.

2. Definitions

For the purposes of this Terms of Service Agreement (“Agreement”), the following defined terms shall have the meanings set forth below. Defined terms may be used in singular or plural form, as context requires:

2.1 "Pulse Wallet"

"Pulse Wallet" refers to the non-custodial, decentralized digital asset management platform operated by EmeraldCap LLC, comprising: (a) The Android mobile application, (b) The iOS mobile application, (c) The web browser add-on, and (d) The official website at https://thepulsewallet.org/,

collectively referred to as the "Platform" or "Services."

Pulse Wallet is a non-custodial, Multi-Party Computation (MPC)-enabled wallet solution designed to facilitate secure and private interaction with blockchain networks and decentralized applications (DApps) while ensuring that users retain exclusive control over their cryptographic keys and digital assets.

2.2 "User"

"User" ("you" or "your") refers to any natural person or legal entity who accesses, installs, downloads, registers for, or utilizes any aspect of the Pulse Wallet Platform.

By accessing or using the Services, User represents and warrants that they are: (a) Of legal age and capacity in their jurisdiction, and (b) Not subject to any prohibitions or restrictions under applicable law.

2.3 "Digital Assets"

"Digital Assets" means cryptographically secured tokens, cryptocurrencies, stablecoins, and other blockchain-based assets recorded on a distributed ledger or decentralized network that can be stored, transferred, or transacted using Pulse Wallet.

This includes, but is not limited to:

• Native blockchain tokens (e.g., PulseChain token, Bitcoin, Ethereum, Solana),

• PRC-20, ERC-20, BEP-20, SPL, and other tokenized assets,

• Non-Fungible Tokens ("NFTs") and other tokenized collectibles,

• Governance tokens, liquidity provider tokens, and wrapped assets.

Pulse Wallet does not own, control, or custody any Digital Assets and does not provide financial, investment, or brokerage services.

2.4 "Blockchain Network"

"Blockchain Network" refers to any public, permissionless, or permissioned distributed ledger protocol on which Digital Assets are recorded, secured, and transacted.

This includes, but is not limited to:

• Layer-1 protocols (e.g., Bitcoin, Ethereum, Solana, BNB Chain),

• Layer-2 scaling solutions (e.g., Arbitrum, Optimism, Polygon), and

• Cross-chain and interoperability protocols (e.g., Polkadot, Cosmos, Avalanche).

Pulse Wallet is a technology provider and has no control over the functionality, security, fees, transaction times, or governance of any Blockchain Network.

2.5 "Private Keys"

"Private Keys" refer to the cryptographic credentials that grant a User exclusive access to Digital Assets stored on a Blockchain Network.

Private Keys are:

• Essential for authorizing transactions,

• Irrecoverable if lost, and

• Not stored, managed, or accessible by Pulse Wallet.

Users bear sole responsibility for safeguarding their Private Keys.

2.6 "Multi-Party Computation (MPC) Technology"

"Multi-Party Computation (MPC) Technology" refers to the cryptographic framework utilized by Pulse Wallet to enable secure, distributed key management without requiring a single point of failure.

MPC technology:

• Eliminates the need for a single Private Key,

• Splits cryptographic key material into multiple secure shares,

• Prevents unauthorized access even if a partial key share is compromised,

• Enables frictionless wallet recovery without reliance on a single recovery phrase.

Users acknowledge and agree that Pulse Wallet’s MPC-based architecture does not store, manage, or recover lost Digital Assets on behalf of any User.

2.7 "Decentralized Application (DApp)"

"Decentralized Application ("DApp")" refers to any software or platform that operates on a Blockchain Network using smart contracts and decentralized protocols, allowing Users to:

• Interact with DeFi platforms (e.g., decentralized exchanges, lending protocols),

• Engage in NFT transactions,

• Access blockchain-based identity solutions,

• Conduct peer-to-peer token swaps, and

• Utilize decentralized governance mechanisms.

Pulse Wallet provides a non-custodial interface to connect with DApps but does not own, control, audit, or warrant the security, performance, or legitimacy of any third-party DApp.

Users assume all risks associated with DApp interactions.

2.8 "Smart Contract"

"Smart Contract" refers to self-executing code deployed on a Blockchain Network that facilitates automated transactions and digital agreements without the need for centralized control.

Users acknowledge that:

• Smart Contracts are immutable once deployed,

• Pulse Wallet does not audit, modify, or reverse transactions executed via Smart Contracts,

• Any interaction with a malicious or faulty Smart Contract is solely the User’s responsibility.

2.9 "Non-Custodial"

"Non-Custodial" refers to Pulse Wallet’s operational model, wherein:

• Users retain sole control over their cryptographic keys and Digital Assets,

• Pulse Wallet does not store, manage, recover, or interfere with User funds,

• All transactions occur directly on the Blockchain Network, without intermediary involvement.

By using Pulse Wallet, Users acknowledge that they bear full risk and liability for the security, management, and recovery of their Digital Assets.

2.10 "Transaction Fees" ("Gas Fees")

"Transaction Fees" (commonly known as "Gas Fees") refer to the network-determined costs required to process transactions on a Blockchain Network.

Users understand that:

• Pulse Wallet does not set, control, or receive Transaction Fees,

• Fees may fluctuate based on network congestion,

• Transactions are final and cannot be reversed once broadcasted.

2.11 "Third-Party Services"

"Third-Party Services" refer to any external platforms, DApps, protocols, or service providers that Users may access through Pulse Wallet, including:

• Blockchain explorers,

• Decentralized exchanges (DEXs),

• Fiat on-ramp and off-ramp providers,

• Liquidity pools and staking services.

Users acknowledge that Pulse Wallet:

• Does not endorse, control, or guarantee Third-Party Services,

• Assumes no responsibility for losses, security breaches, or failures of Third-Party Services,

• Shall not be liable for any damages arising from the use of such services.

2.12 "Force Majeure"

"Force Majeure" refers to any event beyond Pulse Wallet’s reasonable control, including but not limited to:

• Regulatory changes,

• Blockchain network failures or forks,

• Cybersecurity breaches,

• Acts of war, terrorism, natural disasters, or unforeseen disruptions.

Pulse Wallet shall not be liable for any failure, delay, or interruption in service resulting from a Force Majeure Event.

3. Modification of Terms

3.1 Unilateral Right to Amend

Pulse Wallet reserves the absolute, unilateral, and discretionary right to amend, modify, supplement, revise, update, or otherwise alter (“Modify”) this Agreement at any time, for any reason, and without prior notice, to the fullest extent permissible by law.

3.2 Binding Effect of Modifications

Any Modifications to this Agreement shall become immediately effective upon: (a) Posting the updated Terms on https://thepulsewallet.org/ ; and/or (b) Delivering electronic notice via in-app notifications, email, or other reasonable means, at Pulse Wallet’s sole discretion.

Your continued access to or use of the Pulse Wallet Android application, iOS application, web browser add-on, or Website following the implementation of any Modifications constitutes immediate, binding, and irrevocable acceptance of the revised Agreement. If you disagree with any Modifications, your sole and exclusive remedy is to immediately discontinue use of the Services and permanently remove all Pulse Wallet software from your devices.

3.3 No Obligation to Notify

Pulse Wallet is under no obligation to provide Users with advance notice of any Modifications, nor shall Pulse Wallet be liable for any failure to notify Users regarding updates, changes, or amendments to this Agreement. Users have an affirmative duty to periodically review this Agreement to remain informed of the latest Terms.

3.4 No Vested Rights or Grandfathering

Users acknowledge and agree that: (a) No vested rights, privileges, or entitlements exist with respect to any prior version of this Agreement; (b) Pulse Wallet is not required to honor past versions of the Terms; and (c) Any previously granted permissions, rights, or features may be revoked, altered, or discontinued without liability to Pulse Wallet.

3.5 Survival of Modification Clause

This Modification of Terms section shall survive any termination, suspension, or discontinuation of the Services and shall remain enforceable in perpetuity.

4. Eligibility & User Responsibilities

4.1 Eligibility Criteria

By accessing, downloading, installing, or using Pulse Wallet, including but not limited to the Android application, iOS application, web browser add-on, and Website (https://thepulsewallet.org/), you expressly represent, warrant, and covenant that:

(a) You are at least eighteen (18) years of age or the legal age of majority in your jurisdiction, whichever is greater, and possess the full legal capacity to enter into this legally binding Agreement;

(b) You are not a citizen, resident, or located in any jurisdiction where the use, access, or availability of Pulse Wallet is prohibited, restricted, or would subject Pulse Wallet to regulatory compliance obligations, including but not limited to:

• Jurisdictions subject to comprehensive economic sanctions enforced by the United States Department of the Treasury’s Office of Foreign Assets Control (OFAC), the European Union, the United Nations, or any other applicable authority;

• Countries that prohibit or restrict the use of decentralized digital asset wallets;

• Any jurisdiction where your use of the Services would constitute a violation of applicable laws, regulations, or directives.

(c) You are not identified on any sanctions list, watchlist, or government-published list of restricted or prohibited parties, including but not limited to the:

• U.S. Treasury Department’s Specially Designated Nationals (SDN) List,

• EU Consolidated Financial Sanctions List,

• United Nations Security Council Sanctions List, or

• Any equivalent list maintained by a relevant authority.

(d) You are not acting on behalf of, under the direction of, or for the benefit of any individual, entity, or government that is prohibited from using the Services;

(e) You are not engaging in fraudulent, deceptive, unlawful, or abusive conduct, including but not limited to:

• Money laundering, terrorist financing, sanctions evasion, fraud, market manipulation, or any illicit financial activity;

• Use of automated scripts, bots, or other programmatic mechanisms to interact with the Platform in a manner not intended by Pulse Wallet;

• Circumvention, bypassing, or attempt to bypass any security features, access controls, or restrictions implemented by Pulse Wallet.

(f) You have not previously been suspended or restricted from using the Platform.

If you do not meet all eligibility requirements set forth in this Section, you are strictly prohibited from using the Platform.

4.2 User Responsibilities

Users acknowledge, understand, and agree that they bear full responsibility for all actions, omissions, transactions, and interactions conducted through the Platform. Without limitation, Users assume the following responsibilities:

4.2.1 Compliance with Applicable Laws

(a) Users must comply with all applicable laws, regulations, statutes, and directives related to the use of blockchain technology, decentralized applications, and digital assets;

(b) Users are solely responsible for assessing and ensuring compliance with tax obligations arising from digital asset transactions and shall indemnify Pulse Wallet against any tax-related claims or liabilities;

(c) Users must not use Pulse Wallet to evade, circumvent, or violate any regulatory requirements, including export control laws, financial reporting obligations, or securities laws.

4.2.2 Private Key & Security Responsibilities

(a) Pulse Wallet does not generate, store, or manage private keys, recovery phrases, or authentication credentials on behalf of any User. Users assume exclusive responsibility for safeguarding all cryptographic credentials;

(b) Users must not share, disclose, or compromise their private keys, passwords, or Multi-Party Computation (MPC) key shares under any circumstances;

(c) Users acknowledge that lost, stolen, or compromised private keys, passwords, or recovery credentials cannot be recovered by Pulse Wallet and will result in the permanent and irretrievable loss of Digital Assets;

(d) Users must implement reasonable security measures, including device encryption, two-factor authentication (2FA), and the use of secure storage mechanisms for their recovery credentials.

4.2.3 Transaction Responsibility & Irrevocability

(a) Users acknowledge that all transactions initiated via Pulse Wallet are irreversible, final, and cannot be canceled, modified, or reversed once broadcasted to a blockchain network;

(b) Users must verify all transaction details (recipient addresses, token amounts, network fees, and contract interactions) before confirming any transaction. Pulse Wallet is not liable for erroneous, misdirected, or unauthorized transactions.

4.2.4 Use of Third-Party Services & Smart Contracts

(a) Users acknowledge that Pulse Wallet may integrate with third-party decentralized applications (DApps), protocols, or services, but Pulse Wallet:

• Does not own, control, or audit any third-party service, DApp, or smart contract;

• Assumes no liability for security vulnerabilities, exploits, or failures arising from third-party interactions;

• Does not provide guarantees regarding transaction execution, fee estimation, or liquidity availability within integrated services.

(b) Users assume full risk and liability associated with interactions involving decentralized finance (DeFi) platforms, decentralized exchanges (DEXs), lending protocols, or any smart contract-based services.

4.2.5 Prohibited Conduct

Users are strictly prohibited from:

• Engaging in any activity that disrupts, degrades, or interferes with the proper functioning of the Platform, including DDoS attacks, spamming, or unauthorized scraping;

• Using Pulse Wallet for any unlawful, fraudulent, deceptive, or malicious purpose;

• Attempting to reverse engineer, modify, tamper with, or exploit any part of the Platform;

• Misrepresenting their identity, location, or jurisdiction to bypass geographic restrictions or compliance controls;

• Using Pulse Wallet for commercial resale, sublicensing, or any unauthorized monetization of its functionalities.

4.2.6 Acknowledgment of Risk

By using the Platform, Users explicitly acknowledge and assume all inherent risks associated with:

• Blockchain network failures, congestion, or security vulnerabilities;

• Volatility, liquidity risks, and potential loss of digital assets;

• Phishing attacks, malware, and unauthorized third-party access;

• Smart contract failures, exploits, or protocol malfunctions.

Pulse Wallet disclaims all liability for any losses, damages, or claims arising from User errors, negligence, security breaches, or blockchain-related risks.

4.3 Account Suspension, Restriction & Termination

Pulse Wallet reserves the sole and absolute right to: (a) Report suspicious activity to applicable regulatory authorities, financial intelligence units, or law enforcement agencies without prior notice to the User;

(b) Take any other remedial action deemed necessary to protect the integrity, security, and legal standing of Pulse Wallet.

Users waive any and all claims, rights, or causes of action against Pulse Wallet arising from account restrictions, terminations, or regulatory enforcement actions.

5. Fees & Pricing

5.1 Acknowledgment of Fees

By accessing, downloading, installing, or using Pulse Wallet, you expressly acknowledge, understand, and agree that:

(a) The use of certain functionalities, features, or services provided by Pulse Wallet may be subject to fees (“Fees”);

(b) All Fees are non-refundable, non-reversible, and final under all circumstances, except where explicitly required by applicable law;

(c) Pulse Wallet reserves the sole and absolute discretion to introduce, modify, increase, decrease, waive, or eliminate any Fees at any time, without prior notice or liability;

(d) Pulse Wallet is not responsible for any third-party fees, including but not limited to blockchain transaction fees, network congestion surcharges, or fees charged by external service providers, decentralized applications (DApps), or liquidity protocols.

5.2 Blockchain Transaction Fees ("Gas Fees")

(a) Transactions involving Digital Assets (as defined in Section 2.3) may be subject to blockchain network transaction fees (“Gas Fees”), which are determined by and paid directly to the relevant Blockchain Network;

(b) Gas Fees are dynamic and fluctuate based on factors beyond Pulse Wallet’s control, including but not limited to network congestion, validator incentives, and transaction complexity;

(c) Pulse Wallet does not control, influence, refund, or reimburse Gas Fees, nor does it guarantee the execution, finality, or settlement of any blockchain transaction;

(d) Users bear sole responsibility for estimating, verifying, and approving applicable Gas Fees prior to submitting any transaction;

(e) Pulse Wallet shall not be liable for failed, delayed, or unconfirmed transactions resulting from inadequate Gas Fees, network instability, or blockchain failures.

5.3 Pulse Wallet Platform Fees

Pulse Wallet may, at its sole discretion, impose Fees for the use of specific functionalities, which may include but are not limited to:

(a) Token Swap & Trading Fees – Fees incurred when utilizing integrated decentralized exchanges (DEXs) or swap protocols via Pulse Wallet;

(b) Fiat On-Ramp/Off-Ramp Fees – Fees imposed by third-party service providers for converting fiat currency to Digital Assets or vice versa;

(c) Smart Contract Interaction Fees – Fees for executing smart contract-based transactions, including but not limited to staking, lending, bridging, and liquidity provision;

(d) Premium Service Fees – Fees associated with advanced features, enhanced support services, or subscription-based offerings.

Users shall be notified of applicable Fees prior to confirming a transaction or using a fee-based service, and such Fees shall be displayed within the Pulse Wallet interface.

5.4 Third-Party Fees & External Charges

(a) Users acknowledge and agree that interactions with Third-Party Services, smart contracts, liquidity pools, or external blockchain services may be subject to additional fees imposed by such third parties;

(b) Pulse Wallet does not control, receive, or benefit from third-party-imposed fees, and Users are solely responsible for verifying and accepting such fees before initiating transactions;

(c) Pulse Wallet assumes no liability for any overcharges, hidden fees, inaccurate fee estimations, or financial losses arising from third-party services.

5.5 Fee Adjustments & Modification Rights

(a) Pulse Wallet reserves the unilateral right to modify, introduce, or discontinue Fees at any time, for any reason, and without prior notice;

(b) Pulse Wallet shall not be liable for any User dissatisfaction, financial loss, or opportunity cost resulting from Fee modifications;

(c) Users waive all claims, rights, or causes of action against Pulse Wallet arising from any Fee changes, surcharges, or modifications.

5.6 No Refunds or Reversals

(a) All Fees are final, non-refundable, and non-reversible, except where explicitly required by applicable law;

(b) Pulse Wallet shall not be responsible for erroneous payments, excess Gas Fees, duplicate transactions, or fees paid to third-party service providers;

(c) Users acknowledge and agree that any request for a refund, chargeback, or fee reimbursement shall be automatically denied.

5.7 User Responsibility for Fee Payment

(a) Users are solely responsible for ensuring sufficient Digital Assets are available in their Pulse Wallet to cover all applicable Fees;

(b) Insufficient funds may result in transaction failures, penalties, or inability to access specific functionalities;

(c) Pulse Wallet shall not be liable for any loss, disruption, or inconvenience arising from failed transactions due to insufficient funds.

5.8 No Representations or Guarantees

(a) Pulse Wallet makes no representations, warranties, or guarantees regarding the cost, fairness, or competitiveness of its Fees compared to other service providers;

(b) Pulse Wallet does not guarantee that any Fee estimation, suggested Gas Fee, or transaction cost preview is accurate, precise, or reflective of real-time network conditions;

(c) Users acknowledge that Fee estimations may vary from actual costs, and Pulse Wallet shall not be held liable for any discrepancy.

6. Risks & Disclaimers

6.1 Assumption of Risk

By accessing, installing, or using Pulse Wallet, you expressly acknowledge, understand, and accept that:

(a) Digital Assets are inherently volatile, speculative, and subject to extreme price fluctuations, liquidity constraints, and market risks beyond the control of Pulse Wallet;

(b) Blockchain transactions are irreversible and final upon confirmation by the applicable Blockchain Network. Pulse Wallet has no ability to reverse, modify, or recover transactions under any circumstances;

(c) Private key mismanagement, wallet access loss, or cryptographic key compromise may result in the permanent loss of Digital Assets, for which Pulse Wallet bears no responsibility;

(d) Multi-Party Computation (MPC) technology mitigates, but does not eliminate, security risks associated with cryptographic key management. Users remain solely responsible for securing their MPC key shares, authentication credentials, and device access;

(e) Smart contracts and decentralized applications (DApps) may contain security vulnerabilities, coding errors, exploits, or logic flaws that may result in partial or total loss of Digital Assets. Pulse Wallet does not audit, verify, or endorse third-party smart contracts or DApps, and Users assume all associated risks;

(f) Regulatory uncertainty, legal restrictions, and government enforcement actions may impact Digital Assets, Blockchain Networks, or Pulse Wallet’s ability to provide Services. Pulse Wallet is not responsible for compliance with any applicable laws, tax obligations, or regulatory requirements in the User’s jurisdiction.

6.2 No Warranties & "As-Is" Disclaimer

(a) The Platform is provided on an "AS-IS," "AS-AVAILABLE," and "WITH ALL FAULTS" basis, without any warranties, representations, or guarantees of any kind, whether express, implied, statutory, or otherwise.

(b) To the maximum extent permitted by applicable law, Pulse Wallet expressly disclaims all warranties, including but not limited to:

• Merchantability, fitness for a particular purpose, title, and non-infringement;

• Uninterrupted, error-free, or secure access to the Platform;

• Accuracy, completeness, or timeliness of blockchain transactions, token prices, or wallet balance information;

• Reliability, availability, or security of third-party services, DApps, or smart contracts accessed via Pulse Wallet.

(c) Pulse Wallet makes no representations or guarantees regarding the compatibility, stability, or continued functionality of any Blockchain Network, consensus protocol, token standard, or cryptographic technology.

6.3 Security Risks & User Responsibilities

(a) Users acknowledge and accept that all blockchain-based interactions involve inherent cybersecurity risks, including but not limited to:

• Phishing attacks, malware, or unauthorized third-party access to wallet credentials;

• Blockchain network congestion, transaction failures, orphaned blocks, or delayed confirmations;

• Exploits, hacks, or vulnerabilities in smart contracts, DeFi protocols, or token bridges;

• 51% attacks, reorgs, front-running, and miner extractable value (MEV) risks.

(b) Pulse Wallet does not provide private key recovery, password resets, or account restoration services. Users bear sole responsibility for safeguarding wallet credentials, backup phrases, and authentication factors.

(c) Users expressly waive any and all claims against Pulse Wallet for losses, damages, or liabilities arising from security incidents, unauthorized access, or compromised wallet credentials.

6.4 Regulatory & Compliance Risks

(a) Users acknowledge that the legal status of Digital Assets, decentralized wallets, and smart contract platforms remains uncertain in many jurisdictions. Pulse Wallet makes no representations or guarantees regarding the legality of Digital Asset transactions in any specific jurisdiction.

(b) Pulse Wallet does not provide legal, financial, tax, or regulatory advice. Users are solely responsible for assessing, reporting, and complying with all applicable laws, tax obligations, and financial disclosure requirements.

(c) Pulse Wallet reserves the right to restrict, suspend, or terminate Services in jurisdictions where continued operation becomes legally or commercially unviable. Users expressly agree that Pulse Wallet shall not be liable for any regulatory actions, enforcement measures, or legal restrictions imposed upon Digital Assets, Blockchain Networks, or related technologies.

6.5 Third-Party Services & Smart Contract Interactions

(a) Users acknowledge that Pulse Wallet may facilitate access to third-party services, decentralized applications (DApps), smart contracts, or token swap protocols but:

• Does not control, endorse, or assume liability for third-party platforms;

• Does not warrant or audit the security, performance, or functionality of third-party services;

• Shall not be responsible for losses arising from third-party vulnerabilities, hacks, exploits, or operational failures.

(b) Users interact with third-party services entirely at their own risk and bear full responsibility for conducting independent due diligence prior to engaging with any external protocol, liquidity pool, or financial instrument.

6.6 Market & Economic Risks

(a) Users acknowledge that Digital Asset markets are highly volatile and may experience:

• Flash crashes, price slippage, liquidity shortages, or de-pegging events;

• Significant divergence between spot prices and on-chain valuations;

• Unforeseen protocol forks, token migrations, or network rollbacks.

(b) Pulse Wallet makes no guarantees regarding the value, stability, availability, or market viability of any Digital Asset and shall not be liable for losses resulting from price fluctuations, liquidity shortages, or trading decisions.

6.7 Force Majeure

Pulse Wallet shall not be liable for any failure, delay, or disruption in service arising from events beyond its reasonable control, including but not limited to:

• Acts of God, natural disasters, earthquakes, or severe weather events;

• Cyberattacks, hacking incidents, denial-of-service (DDoS) attacks, or data breaches;

• Blockchain network failures, consensus mechanism disputes, or unexpected protocol changes;

• Governmental actions, regulatory enforcement, or legislative prohibitions;

• Wars, civil disturbances, economic crises, or geopolitical instability.

Users expressly agree that Pulse Wallet shall not be held responsible for service interruptions, financial losses, or transaction failures caused by Force Majeure events.

7. Limitation of Liability

7.1 Absolute Disclaimer of Liability

To the maximum extent permitted by applicable law, Pulse Wallet, including but not limited to its affiliates, parent entities, subsidiaries, officers, directors, employees, contractors, agents, licensors, and service providers (collectively, the "Pulse Wallet Parties"), expressly disclaim all liability arising from or related to User’s access to, use of, or inability to use the Pulse Wallet Platform, which includes but is not limited to the: (a) Android application, (b) iOS application, (c) Web browser add-on, and (d) Website (https://thepulsewallet.org/).

By accessing or using the Platform, User expressly acknowledges, understands, and agrees that the Pulse Wallet Parties shall not be liable for any direct, indirect, incidental, consequential, punitive, exemplary, special, enhanced, or other damages of any kind, whether foreseeable or unforeseeable, including but not limited to:

• Loss of Digital Assets, private keys, recovery phrases, or authentication credentials;

• Failed, delayed, erroneous, or unauthorized transactions;

• Loss of profits, business, revenue, goodwill, or anticipated savings;

• Network congestion, high transaction fees, miner front-running, or blockchain reorgs;

• Service disruptions, security breaches, or cyberattacks;

• Compromises resulting from User’s own negligence, errors, or third-party actions;

• Losses due to government actions, regulatory changes, legal prohibitions, or enforcement measures;

• Any force majeure event, including but not limited to acts of war, civil unrest, natural disasters, or technology failures.

7.2 No Liability for Digital Asset Transactions

Users acknowledge and agree that: (a) All transactions involving Digital Assets are irreversible and final upon execution on the respective Blockchain Network; (b) Pulse Wallet does not process, verify, or validate transactions, nor does it have the ability to modify, cancel, or reverse any transaction; (c) Pulse Wallet does not hold, custody, or manage any Digital Assets on behalf of Users and assumes no responsibility for any loss, theft, or mismanagement of funds; (d) Users bear full responsibility for ensuring the accuracy of transaction details, including recipient addresses, token amounts, network fees, and smart contract interactions.

Pulse Wallet shall not be held liable for:

• Transactions sent to incorrect, invalid, or malicious addresses;

• Loss of funds due to phishing attacks, malware, or unauthorized access;

• Transaction failures, delays, or excessive fees due to blockchain congestion;

• Permanent loss of Digital Assets due to lost private keys, forgotten passwords, or seed phrase mismanagement.

7.3 No Liability for Third-Party Services & Smart Contracts

Users acknowledge and agree that Pulse Wallet may provide access to third-party services, including but not limited to decentralized applications (DApps), smart contracts, decentralized exchanges (DEXs), and other blockchain protocols, but: (a) Pulse Wallet does not own, control, or endorse any third-party service; (b) Pulse Wallet makes no representations or warranties regarding the security, legality, or functionality of third-party protocols; (c) Users engage with third-party services at their own risk and bear sole responsibility for conducting independent due diligence before initiating any transaction.

Pulse Wallet shall not be liable for:

• Loss of funds due to smart contract exploits, vulnerabilities, or hacking incidents;

• Defects, security flaws, or failures of third-party software, wallets, or blockchain protocols;

• Disruptions, financial losses, or damages resulting from third-party actions or negligence.

7.4 No Liability for Regulatory or Legal Issues

(a) Pulse Wallet does not provide legal, tax, financial, or regulatory advice. (b) Users are solely responsible for determining whether their use of the Platform complies with applicable laws, tax obligations, and financial regulations in their jurisdiction. (c) Pulse Wallet shall not be liable for:

• Regulatory changes, prohibitions, or government enforcement actions affecting Digital Assets or blockchain services;

• User’s failure to report, declare, or pay applicable taxes on Digital Asset transactions;

• Legal consequences arising from User’s violation of financial laws, securities regulations, or anti-money laundering (AML) statutes.

Pulse Wallet reserves the right to restrict, suspend, or terminate access to the Platform if continued operation becomes legally or commercially impractical.

7.5 Indemnification & Hold Harmless

Users agree to fully indemnify, defend, and hold harmless Pulse Wallet and its affiliates, officers, directors, employees, agents, and service providers from and against any and all claims, demands, actions, damages, losses, liabilities, and expenses (including legal fees and court costs) arising out of or related to: (a) User’s violation of this Agreement or any applicable law, regulation, or legal duty; (b) User’s use or misuse of the Platform, Digital Assets, smart contracts, or third-party services; (c) User’s breach of any representation, warranty, or obligation under this Agreement; (d) Any dispute between User and a third party, including but not limited to financial institutions, decentralized applications, or other Users.

Users expressly waive any and all claims, rights, or causes of action against Pulse Wallet, whether known or unknown, suspected or unsuspected, arising from or related to the use of the Platform.

7.6 Survival of Limitation of Liability

The limitations, disclaimers, and indemnification obligations set forth in this Section shall survive indefinitely beyond: (a) User’s cessation of use of the Platform; (b) The termination, suspension, or discontinuation of Pulse Wallet’s services; (c) Any modification, amendment, or expiration of this Agreement.

Users acknowledge that these limitations constitute an essential basis of the bargain between User and Pulse Wallet, and that Pulse Wallet would not provide access to the Platform without these disclaimers of liability.

9. Arbitration & Dispute Resolution

9.1 Mandatory Binding Arbitration

To the maximum extent permitted by applicable law, any and all claims, disputes, controversies, or causes of action (collectively, “Disputes”) arising out of or related to this Agreement, including but not limited to its formation, performance, interpretation, breach, enforcement, termination, or validity, or arising from or related to User’s access to or use of the Pulse Wallet Platform, shall be exclusively resolved through final, binding, and confidential arbitration administered by a commercial arbitration tribunal selected by Pulse Wallet, in accordance with the rules and procedures of the selected tribunal (the “Arbitration Rules”).

9.2 Waiver of Jury Trial and Class Actions

(a) By agreeing to arbitration, User expressly waives any right to a trial by jury in any court of competent jurisdiction;

(b) All Disputes must be brought in an individual capacity, and User expressly waives any right to assert or participate in a class action, collective action, or other representative proceeding against Pulse Wallet;

(c) Consolidated, coordinated, or joint arbitrations involving multiple claimants are strictly prohibited, and any attempt by User to initiate or participate in such a proceeding shall be deemed a material breach of this Agreement.

9.3 Arbitration Procedures

(a) Initiation of Arbitration: Any party seeking to initiate arbitration shall provide written notice to the opposing party, specifying the nature of the Dispute and the relief sought. Arbitration shall be commenced within six (6) months of the date the Dispute first arose, or the claim shall be deemed permanently waived.

(b) Selection of Arbitrator: The arbitration shall be conducted before one (1) neutral arbitrator, who shall be an attorney licensed to practice law and experienced in blockchain technology, financial regulations, and commercial disputes. If the parties cannot mutually agree on an arbitrator within fifteen (15) days of initiating arbitration, the arbitrator shall be appointed pursuant to the Arbitration Rules.

(c) Location & Governing Law: The arbitration shall be conducted in St. Vincent and the Grenadines, or, at Pulse Wallet’s sole discretion, conducted remotely via video conference or electronic submission. The arbitration shall be governed by the laws of St. Vincent and the Grenadines, without regard to conflicts of law principles.

(d) Arbitration Costs & Fees:

• Each party shall bear its own costs and attorneys’ fees, except as otherwise required by applicable law or determined by the arbitrator;

• The costs of arbitration, including arbitrator fees and administrative fees, shall be shared equally between the parties, unless the arbitrator determines that one party’s claims are frivolous, vexatious, or brought in bad faith, in which case the non-prevailing party shall bear all costs.

(e) Confidentiality:

• All arbitration proceedings, filings, submissions, evidence, and awards shall remain strictly confidential and shall not be disclosed to any third party, except as required by law;

(f) Finality & Enforceability:

• The arbitrator’s decision shall be final, binding, and non-appealable, except as expressly provided under applicable arbitration laws;

• Judgment on the arbitration award may be entered and enforced in any court of competent jurisdiction.

9.4 Exceptions to Arbitration

The requirement for mandatory arbitration shall not apply to: Equitable Relief & Intellectual Property Disputes: Pulse Wallet may, at its sole discretion, seek injunctive relief, specific performance, or other equitable remedies in any court of competent jurisdiction to prevent actual or threatened:

• Misappropriation, infringement, or dilution of its intellectual property rights;

• Unauthorized access, use, or tampering with Pulse Wallet’s proprietary technology, infrastructure, or security protocols.

9.5 Time Limitations on Disputes

(a) All Disputes must be brought within one (1) year from the date the Dispute first arose, regardless of any statutory limitations period. Failure to bring a claim within this period shall result in permanent waiver of the Dispute.

(b) This time limitation shall apply to all claims, whether arising under contract, tort, statute, or any other legal theory.

9.6 Governing Law & Venue

(a) This Agreement shall be governed by and construed exclusively in accordance with the laws of St. Vincent and the Grenadines, without regard to conflicts of law principles;

(b) Any legal proceeding permitted under this Agreement that is not subject to arbitration shall be exclusively litigated in the courts of St. Vincent and the Grenadines, and User irrevocably submits to the personal jurisdiction of such courts.

9.7 Survival of Arbitration Agreement

The provisions of this Arbitration & Dispute Resolution section shall: (a) Survive the termination, expiration, or suspension of this Agreement; (b) Remain binding in the event of Pulse Wallet’s acquisition, merger, restructuring, or dissolution; (c) Apply to any successor, assign, or affiliate of Pulse Wallet.

10. Termination & Suspension of Services

10.1 Right to Terminate or Suspend

Pulse Wallet Reserves the sole, absolute, and unfettered discretion to modify, suspend, restrict, or terminate access to the Platform at any time, with or without cause, notice, or liability, for any reason or no reason whatsoever, including but not limited to:

(a) Legal or Regulatory Compliance – Compliance with applicable laws, regulations, court orders, or governmental directives, or if Pulse Wallet determines that continued operation in a particular jurisdiction is no longer legally, commercially, or technologically feasible;

(b) Security Concerns – Any suspected or actual compromise of Pulse Wallet’s security protocols, smart contract integrity, cryptographic systems, or network infrastructure;

(c) Business or Operational Discretion – Pulse Wallet’s decision to modify, discontinue, or cease any portion of its Services due to commercial, technological, strategic, or economic considerations.

Upon termination or suspension, Pulse Wallet shall not be obligated to provide access, recovery, or restitution for any lost, inaccessible, or unclaimed Digital Assets, account data, transaction history, or related information.

10.2 Effect of Termination

(a) Immediate Cessation of Access – Upon termination or suspension of Services, User shall immediately cease all access to and use of the Platform and delete all Pulse Wallet software from User’s devices.

(b) No Obligation to Retain Data – Pulse Wallet shall have no obligation to retain, store, or provide User with access to any transaction records, cryptographic credentials, security keys, or other data associated with the User’s use of the Platform.

(c) No Refunds or Compensation – User expressly acknowledges and agrees that termination or suspension of Services shall not entitle User to any refunds, reimbursements, or compensation, regardless of any prepaid fees, unexecuted transactions, or unclaimed Digital Assets.

(d) Ongoing Liabilities – Termination shall not relieve User of any accrued obligations, liabilities, or indemnification duties under this Agreement, which shall survive termination in perpetuity.

10.3 No Liability for Termination or Suspension

(a) User expressly waives any and all claims, demands, causes of action, or legal recourse against Pulse Wallet arising from or related to the termination, suspension, modification, or discontinuation of Services, whether initiated by Pulse Wallet, regulatory authorities, or any third party.

(b) Pulse Wallet shall not be liable for any damages, losses, costs, fees, or expenses resulting from termination or suspension, including but not limited to loss of Digital Assets, business disruptions, regulatory consequences, or loss of transaction data.

10.4 Survival of Certain Provisions

The following provisions shall survive any termination, expiration, or suspension of this Agreement, and shall remain legally binding in perpetuity:

(a) Fees & Pricing (Section 5);

(b) Risks & Disclaimers (Section 6);

(c) Limitation of Liability (Section 7);

(d) Indemnification (Section 8);

(e) Arbitration & Dispute Resolution (Section 9);

(f) Governing Law & Jurisdiction (Section 11.1);

(g) Intellectual Property Rights (Section 11.6).

11. Miscellaneous Provisions

11.1 Governing Law

This Agreement and all disputes, claims, or controversies arising from or related to its subject matter shall be governed by and construed in accordance with the laws of St. Vincent and the Grenadines, without regard to conflict-of-law principles.

11.2 Entire Agreement

This Agreement constitutes the entire and exclusive understanding between User and Pulse Wallet, superseding all prior agreements, representations, warranties, and communications, whether written or oral.

11.3 Assignment

(a) User may not assign, delegate, or transfer any rights or obligations under this Agreement without the prior written consent of Pulse Wallet. (b) Pulse Wallet may assign or transfer its rights and obligations under this Agreement without restriction, including but not limited to in connection with a merger, acquisition, corporate restructuring, or sale of assets.

11.4 Severability

If any provision of this Agreement is found to be invalid, illegal, or unenforceable, such provision shall be severed, and the remainder of the Agreement shall remain in full force and effect.

11.5 No Waiver

(a) Pulse Wallet’s failure to enforce any provision of this Agreement shall not constitute a waiver of such provision or any other rights. (b) Any waiver granted by Pulse Wallet must be in writing and signed by an authorized representative to be enforceable.

11.6 Intellectual Property Rights

(a) Ownership of Platform & Proprietary Rights – Pulse Wallet and its licensors retain all right, title, and interest in and to:

• The Pulse Wallet name, logo, branding, and all associated trademarks, trade names, service marks, and domain names;

• All source code, software, algorithms, architecture, smart contracts, cryptographic protocols, and backend systems powering the Platform;

• All design elements, graphical user interfaces, APIs, and technical documentation;

• Any derivative works, updates, modifications, or improvements made to the Platform.

(b) License Grant & User Restrictions – Pulse Wallet grants User a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform strictly in accordance with this Agreement. User shall not, directly or indirectly:

• Copy, modify, adapt, translate, reverse-engineer, decompile, disassemble, or attempt to extract source code from the Platform;

• Sell, sublicense, lease, rent, distribute, or commercially exploit the Platform in any manner not expressly permitted;

• Use Pulse Wallet’s intellectual property for unauthorized purposes, including but not limited to competing products, derivative works, or misleading representations.

Any violation of this Section shall result in potential legal action, including but not limited to injunctive relief and damages.

11.7 Force Majeure

Pulse Wallet shall not be liable for any failure, delay, or disruption in the performance of its obligations due to events beyond its reasonable control, including but not limited to:

• Natural disasters, acts of war, terrorism, or civil unrest;

• Blockchain network failures, forks, consensus disputes, or smart contract exploits;

• Cyberattacks, hacking incidents, denial-of-service (DDoS) attacks, or software bugs;

• Governmental actions, regulatory prohibitions, or changes in law.

Pulse Wallet reserves the right to suspend or terminate Services without liability in response to any Force Majeure Event that materially impacts its operations.

11.8 No Third-Party Beneficiaries

Nothing in this Agreement shall be construed to confer any rights, remedies, or benefits upon any third party, except where explicitly stated.

11.9 Notices

(a) Pulse Wallet may provide notices to Users via electronic communications, including but not limited to email, in-app notifications, or Website postings; (b) User is responsible for ensuring that their contact information remains accurate and up to date; (c) Any legal notices to Pulse Wallet must be sent in writing to its designated legal address, as listed on the Website.