Terms of Service

1. Agreement to Terms

These Terms of Service (“Terms”) form a legally binding agreement between you (“the user”) and the IDEX Wallet project (“we,” “us,” or “our”). By installing, accessing, or using IDEX Wallet, you confirm that you have read, understood, and agreed to comply with these Terms in their entirety.

IDEX Wallet is a non-custodial wallet application that provides software tools to help you interact with decentralized networks. It does not act as a bank, broker, exchange operator, or financial intermediary. You retain full control of your private keys, and your transactions occur directly on the blockchain without third-party custody.

By using IDEX Wallet, you acknowledge that you understand how blockchain technology and smart contracts work, and that you are solely responsible for how you manage your assets through the software. You also acknowledge that the use of cryptocurrencies and decentralized applications carries inherent risks – including volatility, technical bugs, or loss of access due to user error – and you agree that you use the wallet at your own discretion.

We may update or modify these Terms periodically to reflect changes in technology, regulations, or product development. Any changes will be effective immediately upon posting. Continuing to use IDEX Wallet after an update means that you accept and agree to the revised version. We encourage you to review this document regularly to stay informed about your rights and responsibilities when using the wallet.

If you do not agree with any part of these Terms, you must discontinue use of the application immediately.

2. Eligibility and Account Requirements

2.1 Age and Legal Capacity

To use IDEX Wallet, you must be at least 18 years old or the legal age of majority in your country of residence. By installing or using the wallet, you represent and warrant that you possess the full legal capacity and authority to enter into this agreement. You are also confirming that you are not acting on behalf of another individual or entity without proper authorization.

If you are using IDEX Wallet on behalf of an organization, you confirm that you have the right to bind that organization to these Terms and that your use complies with all internal policies and applicable laws.

2.2 Jurisdictional Compliance

IDEX Wallet is designed for global access, but its use may be restricted in certain jurisdictions where decentralized technologies are limited, regulated, or prohibited. You are solely responsible for understanding and complying with all laws and regulations applicable to your use of cryptocurrencies and decentralized services in your region.

We do not monitor, verify, or enforce jurisdictional compliance on your behalf. By continuing to use the wallet, you confirm that your activities do not violate any applicable law, sanction, or regulatory framework in your location.

2.3 Prohibited Jurisdictions

You may not use IDEX Wallet if you are located in, under the control of, or a resident of any country or region subject to comprehensive sanctions, trade embargoes, or regulatory restrictions related to digital assets. This includes, but is not limited to, jurisdictions where self-custodial wallets or decentralized finance activities are explicitly banned or restricted.

Using the wallet in such regions may expose you to local penalties or enforcement actions, for which IDEX Wallet bears no responsibility.

2.4 User Responsibility for Compliance

It is your obligation to verify whether your jurisdiction permits the use of non-custodial wallets, staking mechanisms, or decentralized trading services. If your local regulations change and restrict such activity, you must cease using IDEX Wallet immediately.

We do not request identity verification (KYC) for wallet use, but that does not exempt you from following applicable laws – especially those related to tax reporting, anti-money laundering (AML), and counter-terrorist financing (CTF) in your country.

3. Services Description

IDEX Wallet is a multi-chain, non-custodial crypto wallet designed to simplify how users interact with decentralized ecosystems. It serves as both a secure vault for digital assets and an access gateway to decentralized trading, staking, and Web3 applications – all while keeping users in full control of their private keys.

The wallet allows you to:

• Store, send, and receive assets across multiple blockchain networks in one interface.
• Manage staking positions and delegate tokens to validators with transparent reward tracking.
• Connect seamlessly to IDEX and compatible decentralized exchanges for token swaps or liquidity access.
• Interact with dApps (DeFi, NFTs, DAOs) using verified, permissionless smart contract calls.
• Monitor portfolio performance, transaction history, and gas costs across chains in real time.

Every operation in IDEX Wallet – from signing a message to executing a swap – happens on-chain under your direct authorization. The software never stores private keys, seed phrases, or sensitive transaction data. Instead, all signatures and verifications are generated locally on your device.

IDEX Wallet’s service is modular and built for cross-chain scalability. It automatically detects supported networks such as Ethereum, Polygon, Arbitrum, Optimism, BNB Chain, and others, routing interactions efficiently without the need for manual switching or bridge operations.

Although IDEX Wallet offers access to decentralized markets and liquidity routes, it does not function as a broker or custodian. The software is simply a tool for blockchain interaction, not a middleman or financial service provider. All trades, swaps, and staking actions occur on public blockchains – transparent, verifiable, and entirely under user control.

We strive to ensure stability and high uptime; however, all decentralized infrastructure depends on public networks and third-party protocols. Occasional latency or disruptions may occur due to factors outside of our control.

4. Non-Custodial Nature

IDEX Wallet operates entirely on a non-custodial model, meaning that you – and only you – control your funds, private keys, and transaction authorizations. The wallet serves purely as a cryptographic interface between you and the blockchain networks you interact with.

4.1 Full User Control

When you create or import a wallet, all sensitive information – including private keys, seed phrases, and passwords – is generated and encrypted locally on your device. At no point does IDEX Wallet transmit, store, or access this information. Every action you perform (such as sending tokens, staking, or trading) requires your explicit digital signature, which happens entirely within your environment before any data touches the network.

Because of this design, IDEX cannot:

• Recover lost private keys, passwords, or seed phrases.
• Reverse transactions, refund assets, or intervene in blockchain activity.
• Access, freeze, or seize user funds under any circumstances.

Your wallet is your responsibility – and that is the fundamental principle of decentralization.

4.2 Technical Architecture

The wallet software uses a client-side encryption model with secure key storage isolated from network layers. Transactions are signed using standard ECDSA and broadcast directly to the corresponding blockchain node or RPC endpoint, ensuring that execution remains verifiable and trustless.

Smart-contract interactions – including staking, swaps, or approvals – are handled through verified on-chain contracts. The wallet merely provides an interface to these operations and does not execute or modify blockchain state on its own.

4.3 User Responsibility

You are fully responsible for maintaining the security of your devices, backups, and encryption credentials. It is strongly recommended that you:

• Keep multiple encrypted backups of your recovery phrase in secure offline locations.
• Avoid entering your seed phrase into websites, browser extensions, or applications that you do not fully trust.
• Use hardware wallets whenever possible for long-term storage or large holdings.

If your device is compromised, your keys may be exposed – and no one, including IDEX developers, can recover lost funds.

4.4 No Custodial Functions

Unlike centralized exchanges or hosted wallets, IDEX Wallet does not hold balances, execute trades, or provide intermediary services. The software simply facilitates your interaction with decentralized protocols.

All assets shown in your wallet exist natively on their respective blockchains. Balances, transactions, and staking records are read directly from the public ledger in real time – not from any IDEX-owned server.

By using IDEX Wallet, you acknowledge and accept that blockchain transactions are irreversible, that security rests in your hands, and that your wallet activity is entirely self-managed.

5. User Responsibilities

IDEX Wallet gives you full control over your digital assets – and with that control comes full responsibility. By using the wallet, you agree to act with care, transparency, and in accordance with both these Terms and the decentralized principles of the blockchain ecosystem.

5.1 Security Obligations

You are solely responsible for the safety of your wallet and its associated data. This includes:

• Keeping your private keys and seed phrase confidential at all times.
• Using secure, malware-free devices and browsers.
• Regularly updating your operating system and wallet software.
• Storing backups in offline or encrypted storage locations.
• Never entering your seed phrase on unknown websites or sharing it with third parties.

If your device is lost, hacked, or compromised, IDEX Wallet cannot restore your access or recover funds. Security begins and ends with the user – we simply provide the tools to manage assets safely.

5.2 Transaction Verification

Before confirming any transaction, you are responsible for verifying the accuracy of all details – including token type, amount, address, and network. All blockchain transactions are irreversible, and even small mistakes (such as sending to the wrong chain) may result in a permanent loss of assets.

Always double-check contract addresses and only interact with verified protocols. If you manually input smart contract data, ensure you understand what permissions you are granting (e.g., token approvals).

5.3 Compliance and Taxes

Using IDEX Wallet may involve tax or reporting obligations depending on your jurisdiction. You are responsible for maintaining all necessary records and for reporting income, staking rewards, or capital gains to your local authorities. IDEX Wallet does not withhold or report any taxes on your behalf.

You must also ensure that your wallet use complies with applicable laws, including anti-money laundering (AML), counter-terrorism financing (CTF), and know-your-customer (KYC) standards where required.

5.4 Responsible Usage

You agree not to use IDEX Wallet for any purpose that could disrupt or damage blockchain networks, compromise other users, or interfere with the platform’s operation. You must respect open-source licenses, refrain from exploiting bugs, and promptly report any security vulnerabilities to the IDEX team through responsible disclosure channels.

5.5 Updates and Maintenance

To ensure the best experience, users should always maintain the latest version of IDEX Wallet. Outdated versions may lack important security patches or protocol support. We may release updates that include changes to supported networks, staking models, or transaction mechanisms, and continued use after such updates constitutes your acceptance of those changes.

6. Prohibited Activities

To preserve the integrity, security, and reputation of the IDEX ecosystem, users must follow responsible and lawful practices. Any attempt to misuse IDEX Wallet, interfere with its operation, or exploit other users undermines the decentralized principles we stand for and will not be tolerated.

Use of IDEX Wallet for any illegal, deceptive, or malicious purpose is strictly prohibited. This includes activities that violate applicable laws, exploit technical vulnerabilities, or compromise the safety of others.

You may not use IDEX Wallet to:

• Commit unlawful acts such as money laundering, terrorist financing, fraud, or sanction evasion.
• Manipulate markets through wash trading, spoofing, pump-and-dump schemes, or coordinated fake liquidity.
• Exploit or interfere with wallet software, APIs, or blockchain infrastructure.
• Spread malicious code including malware, phishing links, or scripts designed to steal funds or private keys.
• Impersonate others or misrepresent your identity as IDEX staff, validators, or community moderators.
• Violate intellectual property rights by uploading, sharing, or distributing protected or unauthorized materials.
• Bypass or disable security mechanisms including encryption, authentication, or transaction verification layers.
• Misuse network resources in ways that degrade performance or disrupt access for others.

These restrictions apply to all forms of activity conducted through the wallet interface, APIs, smart contract interactions, or external integrations that rely on IDEX infrastructure. Users are expected to maintain ethical behavior and adhere to community standards when interacting with decentralized applications, staking programs, or external DeFi protocols connected through IDEX Wallet.

Violations of this policy may result in immediate suspension or permanent loss of access, alongside reporting to appropriate regulatory or investigative authorities. We reserve the right to take technical, legal, or administrative action to protect the safety and integrity of the IDEX ecosystem.

7. Fees and Charges

Use of IDEX Wallet may involve various fees related to blockchain operations, trading, and staking. All fees are clearly displayed before you confirm a transaction, and you are responsible for reviewing them prior to approval. Because IDEX Wallet is non-custodial, all fees are processed directly on-chain – we do not collect, store, or redistribute user funds beyond what is required by the network.

Types of Fees

• Types of Fees: Each transaction on a blockchain requires a network fee paid in the network’s native currency (e.g., ETH, MATIC, BNB). These fees compensate validators and are not controlled by IDEX Wallet. Gas costs fluctuate depending on network congestion and transaction type.
• Trading Fees: When you interact with decentralized exchange functions through IDEX Wallet, small trading fees may apply. These fees support protocol operations, liquidity, and infrastructure maintenance. The current rate typically ranges between 0.1%–0.25% per executed trade.
• Staking Fees: For users who stake $IDEX or other supported tokens, a modest validator or protocol fee may apply. This ensures the sustainability of validator nodes, reward distribution systems, and on-chain governance. Exact rates depend on the network and are displayed before confirming your stake.
• Bridging or Cross-Chain Fees: When moving assets between supported networks, additional protocol-level bridge fees or service costs may occur. These are set by external bridge providers and displayed in your transaction preview.
• Third-Party Integration Fees: If you connect your IDEX Wallet to external DeFi services or dApps, those platforms may impose additional service or withdrawal charges. Such fees are outside IDEX Wallet’s control.

Fee Transparency

IDEX Wallet is committed to transparency. Before every action – trade, stake, or transfer – users can review estimated gas costs and total fees. You are encouraged to verify these amounts before confirming any transaction. We may adjust our fee policies over time to reflect network conditions or protocol updates, and changes will be communicated through official channels.

8. Risks and Disclaimers

By using IDEX Wallet, you acknowledge and accept the inherent risks of blockchain technology, decentralized finance (DeFi), and digital asset management. While the wallet provides secure access to decentralized systems, it cannot eliminate all risk associated with user operations or market behavior.

Market and Asset Risks

Cryptocurrencies and digital tokens are highly volatile. Their prices may fluctuate dramatically in short periods, resulting in partial or total loss of your invested value. Past performance does not guarantee future results. You are solely responsible for your investment decisions and portfolio management.

Technical and Smart Contract Risks

All transactions executed through IDEX Wallet are recorded on public blockchains. Despite careful auditing, smart contracts may contain bugs, vulnerabilities, or unforeseen behaviors that can lead to asset loss. Users should only interact with verified contracts and ensure they understand the permissions granted to any dApp or protocol.

Operational Risks

Network congestion, validator downtime, or gas spikes can delay or prevent transaction finalization. IDEX Wallet has no control over network validators, miner behavior, or third-party infrastructure. Certain features, such as staking or bridging, depend on external protocols that may experience service interruptions or upgrades.

Security Risks

You are responsible for securing your wallet, device, and recovery credentials. Loss of a private key, seed phrase, or hardware wallet access results in permanent loss of control over assets – there is no recovery option available. Phishing, malware, and fake applications remain common threats; always ensure you use the official IDEX Wallet interface and verify URLs before signing any transaction.

Regulatory and Legal Risks

The legal status of cryptocurrencies may vary across jurisdictions. Regulatory changes, restrictions, or enforcement actions may affect the availability, legality, or usability of certain assets or services. IDEX Wallet does not guarantee compliance in any jurisdiction and does not offer legal or financial advice.

No Warranties or Guarantees

IDEX Wallet provides its software and services “as is” and “as available.” We make no warranties – express or implied – regarding uptime, performance, data accuracy, or transaction speed. Service interruptions, maintenance periods, or third-party dependencies may temporarily affect access to certain features.

User Responsibility

You acknowledge that using decentralized technologies involves self-custody and personal accountability. By proceeding with any transaction, you accept full responsibility for its outcome and agree that IDEX Wallet bears no liability for direct or indirect losses resulting from user actions, protocol errors, or market conditions.

9. Limitation of Liability

To the fullest extent permitted by applicable law, IDEX Wallet, its developers, contributors, affiliates, and service providers shall not be held liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to: loss of profits, digital assets, goodwill, or business opportunities resulting from your use of or inability to use our services.

You acknowledge that all transactions executed through IDEX Wallet are authorized and broadcast by you directly to blockchain networks. Once confirmed on-chain, these actions are permanent and irreversible, and cannot be modified, refunded, or reverted by IDEX or any third party. Network instability, congestion, or external smart contract errors may result in partial or failed execution – risks that are inherent to decentralized systems.

While we strive for uptime and stability, we cannot guarantee continuous availability, bug-free performance, or compatibility with all environments. Planned maintenance, protocol upgrades, or force majeure events (such as network forks, validator failures, or cyber incidents) may temporarily affect accessibility.

In no event shall IDEX Wallet’s total liability exceed the aggregate fees paid by you, if any, during the three months preceding the event giving rise to a claim. Certain jurisdictions may not allow the exclusion or limitation of liability; where prohibited, our responsibility is limited to the minimum extent allowed by law.

10. Indemnification

You agree to defend, indemnify, and hold harmless IDEX Wallet, its team members, partners, contractors, and affiliates against any claims, demands, actions, damages, liabilities, and expenses – including reasonable attorneys’ fees – that arise from:

• Your access to or use of the IDEX Wallet platform.
• Any breach or alleged breach of these Terms.
• Your violation of any applicable laws, regulations, or third-party rights.
• Activities conducted from your wallet address, regardless of whether authorized by you.
• Misuse of smart contracts, APIs, or third-party services integrated through IDEX Wallet.

We reserve the right to assume exclusive defense and control of any matter subject to indemnification. You agree to cooperate fully with us in asserting available defenses. This indemnity remains in effect even after you cease using the platform, ensuring protection against claims tied to prior actions or transactions.

11. Intellectual Property

All platform design, visual identity, user interface components, documentation, and source code associated with IDEX Wallet are protected by copyright, trademark, and related intellectual property laws. Ownership of all rights, title, and interest in the IDEX Wallet ecosystem – including branding, layout, and functional design – belongs to the project maintainers or their licensors.

You are granted a limited, non-exclusive, revocable license to use IDEX Wallet for lawful, personal, and non-commercial purposes only. You may not copy, modify, distribute, sell, sublicense, reverse-engineer, or create derivative works based on any portion of the service or software.

Prohibited IP Uses

• Registering domain names, tokens, or applications that include “IDEX” or confusingly similar identifiers.
• Using IDEX trademarks in advertising or endorsement without permission.
• Reproducing wallet interfaces, themes, or proprietary elements in derivative products.

Any unauthorized use of our intellectual property may lead to termination of access and legal action. All open-source components used in IDEX Wallet remain subject to their respective licenses, which are clearly referenced in documentation or repositories.

12. Termination

IDEX Wallet may suspend, restrict, or terminate your access at any time if we reasonably believe you have violated these Terms, attempted to compromise the platform, or acted in ways that could harm the integrity of the network or other users. Termination may occur automatically without prior notice in case of critical security threats or abuse.

Because IDEX Wallet is non-custodial, termination does not affect your ownership of assets. Your funds remain fully under your control – accessible via your private keys and compatible wallets. However, termination may disable use of IDEX-specific services such as staking, API access, or integration features.

After termination:

• You must cease using any related APIs, software libraries, or hosted services.
• Any rights or licenses granted under these Terms immediately expire.
• We may log actions for compliance or auditing purposes.

Repeated or serious violations may result in permanent restriction, blacklisting of associated wallet addresses, or reporting to appropriate regulatory bodies where applicable.

13. Dispute Resolution

IDEX Wallet encourages open communication to resolve issues directly and efficiently. If you have a concern or disagreement, you should first contact our support team to seek informal resolution. Most operational or account-related issues can be addressed without legal escalation.

If a dispute cannot be resolved informally within 30 calendar days, both parties agree to resolve the matter through binding arbitration, conducted confidentially under the rules of the American Arbitration Association (AAA) or another recognized arbitration institution.

Arbitration Terms

• Each party bears its own legal costs unless otherwise determined by the arbitrator.
• Arbitration will be conducted in English, under neutral jurisdiction.
• The decision of the arbitrator is final and may be enforced by any competent court.
• Class actions, representative suits, or consolidated proceedings are expressly waived.

This arbitration clause ensures fairness, efficiency, and privacy for both sides while avoiding lengthy litigation. By using IDEX Wallet, you agree to these dispute resolution terms.

14. Governing Law

These Terms of Service, and any dispute arising out of or relating to them, are governed by the laws applicable to the jurisdiction of IDEX Wallet’s primary operational entity, without regard to conflict-of-law principles. This legal framework governs the interpretation, validity, and enforcement of all provisions herein.

Users are responsible for ensuring compliance with the laws of their own jurisdiction before engaging with decentralized services. Nothing in these Terms shall restrict users from adhering to local tax reporting, regulatory requirements, or financial disclosure obligations.

If any provision of these Terms is determined to be invalid, illegal, or unenforceable by a competent authority, such provision shall be severed, and the remainder shall continue in full force and effect. Failure by IDEX Wallet to enforce any right or provision shall not constitute a waiver of that right in the future.

We may update these Terms periodically to reflect technological developments, security improvements, or changes in applicable law. Your continued use of the wallet following any updates constitutes acceptance of the revised Terms.