Privacy Policy

For an explanation of how we collect, use, and disclose information from our users please see our Privacy Policy. You acknowledge and agree that your use of the Services is subject to agreeing to our Privacy Policy, and that we can collect, use and/or disclose your information (including any personal data you provide to us) to specific third parties (such as Onramper, Koywe and Bitrefill) in accordance with the privacy protection laws stated in the region that you are located in and our Privacy Policy. Please note that this Privacy Notice only applies to Our Services. When you leave Our Services, this notice no longer applies. Any other website, application, or service you access will have its own terms of service and privacy notice (if any), which will govern your use of that service.

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Updates to the Terms of Service

We reserve the right to update or modify these Terms at any time at our sole discretion. If we do so, we’ll let you know by either posting the revised Terms on our website, on our mobile application, or through other methods of communication that we deem reasonable. Such revised Terms as posted will take effect immediately unless otherwise indicated. You should regularly check our website to inform yourself of any such changes and decide whether or not to accept the revised version of these Terms. If you continue to use Dinero Digital following any update or modification of the Terms you shall be deemed to have accepted the revised Terms. If you do not agree to the Terms or any update or modification to the Terms, you must cease to access or use our Services. Our Services are evolving over time, we may change or discontinue all or any part of the Services, at any time and without prior notice, and at our sole discretion. Regardless, your funds may be accessed by inputting the generated Seed phrase on any non-custodial EVM wallet that is capable of importing external wallet addresses.

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Eligibility

To be eligible to use Dinero Digital: (i) you must not be a resident of sanctioned jurisdictions according to any trade embargoes, UN Security Council Resolutions (“UNSCR”), or HM Treasury’s financial sanctions regime; and (ii) you must not be currently the subject of or subject to economic sanctions such as the United Nations Security Council Sanctions List, the list of specially designated nationals maintained by OFAC, the denied persons or entity list of the U.S. Department of Commerce or any similar list maintained by any other relevant sanctions authority. If you are using our Services on behalf of a legal entity, you further represent and warrant that: (iii) the legal entity is duly organized and validly existing under the applicable laws of the jurisdiction of its organization; and (iv) you are duly authorized by such legal entity to act on its behalf. You can only use our Services if permitted under the laws of your jurisdiction. For the avoidance of doubt, you may not use our Services if you are located in, or a citizen or resident of any state, country, territory, or other jurisdiction where your use of our Services would be illegal or otherwise violate any applicable laws. Please make sure that these Terms are in compliance with all laws, rules, and regulations that apply to you. You agree that you are only using our Services with legally obtained funds that belong to you, and all activity done within the app can be related to you. By using Dinero Digital, you represent and warrant that you meet all eligibility requirements that we outline in these Terms. We may still refuse to let certain people access or use Dinero Digital, however, and we reserve the right to change our eligibility criteria at any time.

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Services

Dinero Digital is a non-custodial wallet software for digital assets such as cryptocurrencies (“Digital Assets”), meaning you are solely in control of and responsible for your Digital Assets and private keys, and accordingly, you are the sole authority that can authorize transactions from your wallet address. You expressly acknowledge and agree that as Dinero Digital is a non-custodial wallet software it has no control over your keys or your actions on the platform. You are solely responsible for your activity and any risk of loss at all times. Dinero Digital allows you to:

• Generate wallet addresses and associated private keys that you may use to access, send, and receive digital assets;
• Fund your wallet through QR code or through third-party on-ramping providers;
• Use your wallet funds to purchase gift cards through third-party off-ramping providers;
• Withdraw funds from ATMs by following the instructions in the mobile app;
• Send funds to other Dinero Digital users;

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Wallet Address, Private Key and Backup Capabilities

An encrypted backup of certain information associated with your wallet can be stored on eligible devices. The private key is associated with the wallet address and, together, they can be used to authorize the transfer of Digital Assets to and from that wallet address. You are solely responsible for the retention and security of your private key and any mnemonic phrase (“Secret Phrase”) associated with your wallet. You must keep your wallet address, Secret Phrase, and private key access information secure. It is very important that you backup your private keys, backup phrases, or passwords. Failure to do so may result in the loss of control of Digital Assets associated with your wallet. You acknowledge and agree that we do not receive or store your wallet password, encrypted private key, unencrypted private key, or Secret Phrase associated with your wallet. We cannot generate a new password for your wallet if you fail to remember your original password. If you have not safely stored a backup of any wallet address and private key pairs maintained in your wallet, you accept and acknowledge that any Digital Assets you have associated with such wallet address will become inaccessible. Accordingly, we shall have no responsibility or liability whatsoever in the event you are unable to access your wallet for any reason including without limitation your failure to keep your wallet address, Secret Phrase, and/or private key information secure.

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Fees and Payments

• Transaction Fees: Using our app may incur transaction fees, which will be clearly displayed before you complete any transaction. Wallets can be funded through QR codes or through third-party onramping services. We collect a percentage fee on onramp transactions, peer-to-peer transactions, and commissions on Bitrefill transactions.
• Sponsored Fees: Dinero Digital sponsors MATIC transaction fees for every transaction to ensure users do not need to hold MATIC for transactions.

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Indemnity

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Dinero Digital, its affiliates, and their respective officers, directors, employees, attorneys, agents, representatives, suppliers, and contractors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including, but not limited to, attorney’s fees) arising from:

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• Your use of and access to the Services;
• Any feedback or submissions you provide to us concerning Dinero Digital;
• Your violation of these Terms; or
• Your violation of any law, rule, or regulation, or the rights of any third party.

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Disclaimers/Risks

No Warranty: The app is provided on an "as is" and "as available" basis without any warranties of any kind.

Risk Acknowledgment: You acknowledge that using cryptocurrencies and our app involves risks, including the risk of losing your funds. You agree to assume all risks associated with the use of our services.

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Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE, OR OUR AFFILIATES, OR ANY OF OUR RESPECTIVE SHAREHOLDERS, MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, ATTORNEYS, AGENTS, REPRESENTATIVES, SUPPLIERS OR CONTRACTORS BE LIABLE FOR ANY DIRECT DAMAGES OR INCIDENTAL, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR SIMILAR DAMAGES OR LIABILITIES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA, INFORMATION, REVENUE, PROFITS OR OTHER BUSINESSES OR FINANCIAL BENEFITS) WHETHER UNDER CONTRACT, TORT, NEGLIGENCE, STATUTE, STRICT LIABILITY OR OTHER THEORY EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF YOUR ACCESS OR USE OF THE SERVICES.

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Compliance with LATAM Regulations

We aim to comply with relevant regulations in LATAM countries, including Mexico and El Salvador. Users from other regions may download the APK file separately instead of downloading from the App Store or Google Play to access the app independently.

If you have any questions or concerns about these Terms, please contact us at info@dinerodigital.com.