Terms of Service

ZapArc

Last updated: May 8, 2026

These Terms of Service ("Terms") govern your use of the ZapArc mobile application ("the App"), published by 21DigitalAI ("we", "us"). By installing or using the App, you agree to these Terms.

1. License

We grant you a personal, non-exclusive, non-transferable, revocable license to install and use the App on devices you own or control, subject to these Terms and the rules of the applicable app store (Apple App Store or Google Play).

2. Self-Custody and Sole Responsibility

By using the App, you acknowledge and accept that:

• If you lose your device without a recorded backup of your seed phrase, your funds will be permanently inaccessible. We cannot help you recover them.
• If you reveal your seed phrase to anyone, that person can take your funds. Treat it like cash.
• Transactions on Bitcoin, Lightning, and Spark are final and irreversible once confirmed. There is no chargeback mechanism.
• You are responsible for keeping a secure offline backup of your seed phrase before depositing meaningful funds.

3. Network Reliance

The App relies on third-party networks and services (Bitcoin, the Lightning Network, the Spark Layer-2 network, the Flashnet AMM, Breez SDK infrastructure, Apple's and Google's push services). These services are operated by independent providers and may experience downtime, bugs, or changes outside of our control. We are not responsible for losses, delays, or failures caused by these networks.

4. No Financial Advice

Information shown in the App — balances, exchange rates, swap quotes, fees, etc. — is informational only and may not reflect real-time market conditions. Nothing in the App constitutes financial, tax, investment, or legal advice. You are solely responsible for any financial decisions you make.

5. Stablecoin Swaps and Token Conversions

The App's swap feature relies on Flashnet's automated market maker for converting between Bitcoin and stablecoins (e.g., USDB) on the Spark network. Quotes shown in the App are estimates from the AMM at the time of preview and may change before execution. We do not set or guarantee any exchange rate.

6. Acceptable Use

You agree not to:

• Reverse-engineer, decompile, or tamper with the App.
• Use the App to facilitate illegal activity or in violation of any law applicable to you.
• Use the App to interact with sanctioned jurisdictions or persons in violation of applicable export-control or sanctions regimes.
• Attempt to extract another user's private keys or interfere with the underlying networks.

You are responsible for compliance with all laws applicable to you in your country of residence.

7. No Warranties

The App is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the App will be uninterrupted, error-free, or secure.

8. Limitation of Liability

To the maximum extent permitted by law, in no event will we be liable for any direct, indirect, incidental, special, consequential, or exemplary damages — including loss of funds, loss of profits, loss of data, or loss of access — arising out of or in connection with your use of the App.

9. Updates and Changes

We may update the App and these Terms from time to time. Continuing to use the App after a Terms update constitutes acceptance of the updated Terms. Material changes will be communicated within the App.

10. Termination

You may stop using the App at any time and uninstall it from your device. Your funds remain yours and recoverable on any device using your seed phrase.

11. Governing Law

These Terms are governed by the laws of the publisher's place of registration, without regard to conflict-of-law rules. Any disputes will be resolved in the courts having jurisdiction over the publisher's place of registration.

12. Contact

For questions about these Terms, please open an issue at github.com/21digitalai/policies or contact us via the support URL listed on the App's App Store / Play Store page.

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