Terms Of Service

Effective Date: July 16, 2025

1. Introduction

These Terms of Service (“Terms”) govern your use of the EvoMone mobile wallet (“Service”). By using EvoMone, you agree to these Terms.

2. Regulatory Compliance (UK)

EvoMone is a non-custodial Bitcoin and Lightning wallet. EvoMone does not provide financial advice or promote the purchase of Bitcoin; this is entirely at the discretion of the user. Bitcoin-related services such as fiat on/off-ramps are provided by third-party partners like Ramp Network, who are solely responsible for regulatory compliance, including any requirements under the UK Financial Promotions Regime. EvoMone does not store, manage, or exchange user funds and is not responsible for any decisions made by users to engage with third-party services.

3. Wallet, On/Off-Ramp & Fees

EvoMone enables non-custodial Bitcoin and Lightning Network transactions.
Fiat buy/sell (on/off-ramp) is powered by Ramp Network. EvoMone does not process or execute these transactions.
EvoMone charges a flat Platform Service Fee of 1% on all fiat on/off-ramp transactions made via Ramp Network.
This fee is separate from any fees charged directly by Ramp, which may vary by payment method and region.

4. User Responsibilities

You are responsible for managing your private keys and recovery phrase.
You must comply with local laws applicable to your use of EvoMone and with Ramp Network’s policies when using fiat features.
EvoMone cannot recover lost wallets or private keys.

5. Prohibited Activities

Users may not:
- Use EvoMone for illegal activity, including fraud or money laundering.
- Interfere with or reverse-engineer any part of the app or third-party integrations.

6. Third-Party Services & Disclaimers

Ramp Network:
- EvoMone integrates with Ramp Network, a third-party provider, for fiat transactions.
- EvoMone is not liable for any delays, verification issues, or transaction failures involving Ramp.
- All disputes related to fiat transactions should be directed to Ramp.
- Users must accept Ramp's separate terms before accessing their services.

No Financial Advice:
- EvoMone does not provide financial, investment, or trading advice.
- Use of the app is entirely at your own risk. Cryptocurrency markets are volatile and unregulated in many jurisdictions.

EvoMone does not promote, recommend, or provide financial advice on third-party services. Any interaction with providers such as Ramp is entirely at your discretion.

7. Limitation of Liability

To the maximum extent permitted by law, EvoMone’s total aggregate liability for any claims arising out of or related to the use of the Service shall be limited to £100 per calendar year. This limitation applies whether the claim arises from contract, negligence, or any other legal theory. This clause is designed to protect our ability to continue operating sustainably while offering an accessible service.

8. Governing Law

These Terms are governed by the laws of England and Wales.

9. Changes to the Terms

We may update these Terms at any time. Continued use after updates constitutes acceptance.

10. Contact

For questions, contact us at: [email protected]

11. Messaging & User Content

EvoMone includes end-to-end encrypted messaging routed via the Lightning Network. We do not store or access message content. Users are fully responsible for any messages or media they send. Abuse (spam, harassment, illegal content) may result in suspension or termination of access to messaging features.

12. Lightning Network Disclaimer

EvoMone uses the open-source Breez SDK to enable Lightning Network transactions. As Lightning is a decentralized protocol, EvoMone is not responsible for routing failures, liquidity issues, or failures caused by third-party Lightning nodes.

13. Brand and Intellectual Property

The EvoMone name, logo, and slogan (“We Are the Currency”) are proprietary assets of EvoMone Ltd. While not yet formally registered trademarks, these elements are protected under applicable intellectual property laws. You may not copy, modify, or reuse EvoMone branding, app content, or visual assets without prior written permission.

14. Data Privacy and Messaging IDs

Your EvoMone messaging account is linked to a hashed phone number and secure identifier. Messages are not stored by EvoMone. You may optionally allow contact discovery, which is performed locally on your device and never uploaded. For more on how we handle data, please refer to our Privacy Policy.

15. Age Eligibility

EvoMone is open to users of all ages, but fiat services provided by Ramp Network are restricted to users aged 18 and above. EvoMone does not verify user age directly but cannot enable access to third-party services for underage users.

16. Dispute Resolution

In the event of any dispute arising from the use of EvoMone, you agree to first attempt resolution through informal negotiation. If unresolved, the dispute will be governed by the courts of England and Wales.