Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and TANAT ("we," "us," or "our") concerning your access to and use of our mobile application, our website (tanat.app), and any associated smart-contract wallets, on/off-ramp rails, and access APIs (collectively, the "Services").

By registering for an account, joining our waitlist, downloading our mobile app, or using any of our Services, you agree that you have read, understood, and agree to be bound by all of these Terms. If you do not agree with all of these Terms, you are prohibited from using the Services and must discontinue use immediately.

2. Description of Services

TANAT provides a personal finance platform powered by smart accounts and blockchain-based stablecoin rails. Our Services include:

• Provision of non-custodial or hybrid Multi-Party Computation (MPC) stablecoin wallets.
• Direct fiat-to-stablecoin on-ramp and off-ramp processing rails via authorized third-party operators.
• Smart account configurations that support global value transfers, savings, and peer-to-peer transactions.
• Virtual Mastercard and debit card integrations for spending stablecoins globally.

Please note that TANAT does not provide banking, investment, or custodial brokerage services directly. All cryptocurrency asset conversions and transfers are executed directly on-chain or through licensed payment partners.

3. Eligibility & Registration

To be eligible to use TANAT, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction).
• Possess the legal capacity to enter into a binding contract.
• Not reside in a sanctioned region, country, or jurisdiction where cryptocurrency transactions are prohibited by law.
• Successfully pass identity verification (KYC/AML) processes, when applicable.

You agree to provide accurate, current, and complete information during registration. You are solely responsible for maintaining the confidentiality of your account credentials, security PINs, and backup recovery phrases.

4. Fees & Gas Costs

Service Fees: Certain operations, such as virtual card issuances, payment rails, and currency conversions, may incur fees. Any applicable fees will be clearly presented to you inside the application interface prior to confirming a transaction.

Network (Gas) Fees: Because transactions are executed on public blockchains, they require network transaction fees (gas) paid to validators. You are solely responsible for paying network gas fees, though TANAT smart accounts may bundle or sponsor gas fees under promotional or subscription terms.

5. Prohibited Activities

You agree not to use the Services for any unlawful, fraudulent, or harmful purposes, including:

• Money laundering, terrorist financing, or purchasing prohibited items.
• Bypassing geo-restrictions, IP proxy blocks, or identity checks.
• Interfering with, hacking, or attempting to compromise the security of the TANAT application, network, or smart contracts.
• Exploiting smart contract bugs, running flash loans or sandwich attacks that breach network rules, or manipulating markets.

6. Intellectual Property

All content, branding, layouts, logos, designs, software, code, and interfaces on the website and app are the intellectual property of TANAT and our licensors. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use our Services strictly for personal, non-commercial purposes in compliance with these Terms.

7. Risk Disclosures

By using our Services, you acknowledge and accept the inherent risks associated with digital assets, including:

• Volatility & Stablecoin Peg: While stablecoins aim to maintain a 1:1 ratio with fiat currency, technical failures, runs, or regulatory shifts can result in loss of peg or total value.
• Smart Contract Bugs: Smart contracts are subject to technical errors, exploits, or code vulnerabilities that could result in permanent loss of funds.
• Regulatory Shifts: Cryptocurrency rules are evolving. Legislative and regulatory changes could impact or restrict our ability to offer stablecoin rails in your area.

8. Disclaimer of Warranties

TANAT SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DISCLAIM ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL TANAT, ITS AFFILIATES, OFFICERS, DIRECTORS, OR EMPLOYEES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOSS OF PROFITS, DATA, USE, OR FUNDS, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES, SMART CONTRACTS, OR BLOCKCHAIN NETWORKS.

10. Governing Law

These Terms of Service and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of Turkmenistan (for developer operations based in Ashgabat) or the jurisdiction in which the operational entity is incorporated, without giving effect to any choice or conflict of law provision.