Terms of Use – Auras Wallet

Effective Date: 07 July 2026

Legal Entity: AurasPay EU OÜ

Registry Code: 17537945

Registered Office: Harju maakond, Tallinn, Kesklinna linnaosa, Tornimäe tn 5, 10145, Republic of Estonia

Jurisdiction: Republic of Estonia and applicable European Union law

1. Acceptance of Terms

These Terms of Use (“Terms”) govern your access to and use of the Auras Wallet mobile application, website, software, interfaces and related services collectively referred to as the “Wallet”.

The Wallet is provided by AurasPay EU OÜ, a private limited company incorporated in the Republic of Estonia under registry code 17537945 (“AurasPay”, “we”, “us” or “our”).

By downloading, installing, accessing or using the Wallet, you confirm that you have read, understood and agreed to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you must not access or use the Wallet.

2. Nature of the Wallet

Auras Wallet is a self-custodial and non-custodial software wallet that allows users to generate and manage blockchain addresses, view digital assets and interact directly with supported blockchain networks, decentralised applications and third-party services.

AurasPay provides the software interface only.

AurasPay:

• does not take custody, possession or control of your digital assets;
• does not receive, hold or manage your private keys or recovery phrase;
• cannot access, freeze, reverse or recover your blockchain transactions;
• cannot restore access to your Wallet if you lose your private keys or recovery phrase;
• does not maintain user balances on behalf of users;
• does not execute transactions or transfers on behalf of users;
• does not provide brokerage, exchange, custody, portfolio management, investment, banking, payment, electronic-money or settlement services; and
• does not act as a crypto-asset service provider in relation to transactions independently initiated and authorised by users through the Wallet.

Private keys and recovery information are generated and maintained on your device or otherwise under your exclusive control. Every blockchain transaction must be independently reviewed, approved and cryptographically signed by you.

AurasPay does not become a party to any blockchain transaction initiated through the Wallet.

3. Eligibility

You may use the Wallet only if:

• you are at least 18 years old;
• you have full legal capacity to enter into a binding agreement;
• your use of the Wallet is lawful in the country where you live or access the Wallet;
• you are not subject to sanctions or restrictive measures imposed by the European Union, United Nations or another authority applicable to AurasPay; and
• you are not using the Wallet on behalf of a prohibited or sanctioned person, organisation or jurisdiction.

You are responsible for determining whether your use of the Wallet complies with the laws, regulations and tax requirements applicable to you.

We may restrict access to certain features or jurisdictions where necessary to comply with applicable laws, sanctions, security requirements or third-party provider restrictions.

4. User Control and Responsibilities

You retain sole control over your Wallet, private keys, recovery phrase, digital assets and blockchain transactions.

You are solely responsible for:

• safeguarding your device, passwords, private keys and recovery phrase;
• maintaining secure and offline backups of your recovery phrase;
• verifying wallet addresses, networks, tokens, smart contracts, transaction amounts and fees before approving a transaction;
• confirming that the recipient address and selected blockchain network are correct;
• protecting your device from malware, unauthorised access and phishing attacks;
• keeping your Wallet software and device operating system updated;
• paying all blockchain, network, gas and third-party fees;
• complying with applicable tax, reporting, anti-money laundering, sanctions and other legal obligations; and
• independently evaluating the risks of any digital asset, decentralised application or blockchain protocol.

You must never disclose your recovery phrase or private keys to any person, including anyone claiming to represent AurasPay.

AurasPay support representatives will never ask you to disclose your complete recovery phrase or private key.

Loss of your recovery phrase, private key or device may result in the permanent loss of access to your digital assets. AurasPay cannot recover, replace or recreate this information.

5. Blockchain Transactions

Blockchain transactions are generally irreversible after they have been submitted to and confirmed by the relevant blockchain network.

AurasPay cannot:

• cancel, amend or reverse a blockchain transaction;
• recover assets sent to an incorrect address or network;
• recover unsupported tokens;
• guarantee that a transaction will be confirmed;
• control blockchain congestion, network fees, forks or protocol changes; or
• require a recipient, smart contract or third-party protocol to return digital assets.

The Wallet may prepare, display or broadcast transaction data, but the transaction is independently authorised and signed by you.

Blockchain networks are operated by independent third parties and distributed participants. AurasPay does not own, operate or control these networks.

6. Third-Party Services and Protocols

The Wallet may provide access or links to third-party services and decentralised protocols, including:

• decentralised exchanges and liquidity aggregators;
• token swap protocols;
• fiat-to-crypto and crypto-to-fiat providers;
• blockchain infrastructure and data providers;
• decentralised applications;
• gift card providers;
• card issuers or card programme managers; and
• other wallet, payment or digital-asset service providers.

These services are provided by independent third parties and not by AurasPay.

Your use of a third-party service is governed by that provider’s own terms, privacy policy, eligibility requirements, fees, compliance procedures and regulatory status.

A third-party provider may require identity verification, impose transaction limits, reject a transaction or restrict access based on your country, risk profile or applicable law.

AurasPay does not control and is not responsible for:

• the availability, security or performance of third-party services;
• exchange rates, liquidity, slippage or pricing;
• identity-verification decisions;
• card issuance or card transactions;
• delays, failures, cancellations or losses caused by third parties;
• the accuracy of information supplied by third parties; or
• disputes between you and a third-party provider.

The inclusion of a third-party service in the Wallet does not constitute an endorsement, guarantee or recommendation by AurasPay.

7. Digital-Asset Risks

Digital assets, blockchain networks and decentralised protocols involve significant risks.

These risks include:

• price volatility and loss of value;
• loss of private keys or recovery information;
• irreversible transactions;
• smart-contract vulnerabilities;
• protocol exploits and cyberattacks;
• fraudulent, counterfeit or malicious tokens;
• phishing, impersonation and social-engineering attacks;
• blockchain forks or network failures;
• regulatory or legal changes;
• insufficient liquidity or excessive slippage;
• changes to token functionality;
• loss of access to third-party services; and
• total loss of the digital assets involved.

You acknowledge that you use the Wallet and interact with digital assets entirely at your own risk.

You should not acquire, hold or transact in digital assets unless you understand their operation and can afford the risk of losing their entire value.

8. No Financial, Legal or Tax Advice

AurasPay does not provide financial, investment, legal, accounting or tax advice.

Any token information, market data, prices, balances, transaction history or other information displayed through the Wallet is provided for general informational purposes only.

Such information may be delayed, incomplete or inaccurate and must not be relied upon as professional advice or as a recommendation to buy, sell, hold or use any digital asset.

You are solely responsible for obtaining independent professional advice and making your own decisions.

9. Fees

AurasPay may offer free and paid Wallet features.

Any fee charged directly by AurasPay will be disclosed before you approve the relevant service or transaction.

Blockchain network fees, gas fees, protocol fees, exchange fees, card fees and third-party provider fees are determined by independent networks or providers and are not controlled by AurasPay.

You are responsible for reviewing all displayed fees before authorising a transaction.

Except where required by applicable law, blockchain network fees and third-party fees are non-refundable once a transaction has been submitted.

10. Prohibited Use

You must not use the Wallet:

• for money laundering, terrorist financing, fraud or sanctions evasion;
• to acquire, store, transfer or conceal proceeds of crime;
• to violate any applicable law, regulation, court order or sanctions programme;
• to distribute malware or interfere with the Wallet’s security;
• to gain unauthorised access to systems, accounts or data;
• to impersonate another person or misrepresent your identity;
• to infringe intellectual-property, privacy or other legal rights;
• to exploit vulnerabilities or circumvent technical restrictions;
• to facilitate scams, market manipulation or deceptive conduct; or
• in any manner that may damage AurasPay, its users or third-party providers.

We may restrict access to hosted features, interfaces, APIs or infrastructure when we reasonably believe that use of the Wallet violates these Terms, creates a security threat or exposes AurasPay to legal or regulatory risk.

Because the Wallet is non-custodial, AurasPay cannot freeze or confiscate digital assets held through blockchain addresses controlled by you.

11. Intellectual Property

The Wallet, including its software, interface, design, branding, logos, text, graphics and proprietary content, is owned by or licensed to AurasPay EU OÜ and is protected by applicable intellectual-property laws.

Subject to these Terms, AurasPay grants you a limited, personal, non-exclusive, non-transferable and revocable licence to use the Wallet for lawful personal or internal business purposes.

You may not:

• copy, sell, sublicense or commercially exploit the Wallet;
• remove copyright, trademark or proprietary notices;
• reverse engineer or attempt to extract source code, except where such restriction is prohibited by mandatory law;
• create an unauthorised derivative work;
• use AurasPay trademarks without prior written permission; or
• use automated systems to interfere with or place an unreasonable burden on our infrastructure.

Open-source components remain subject to their applicable open-source licences.

12. Privacy and Public Blockchain Data

Our processing of personal data is governed by our Privacy Policy and applicable data-protection law, including the General Data Protection Regulation where applicable.

Blockchain networks are public or publicly observable systems. Wallet addresses, token balances and transaction information recorded on a public blockchain may be permanently available and may not be capable of being deleted or altered by AurasPay.

AurasPay does not control public blockchain records.

Third-party services may collect and process personal data under their own privacy policies. You should review those policies before using a third-party service.

13. Security and Software Updates

We take reasonable technical and organisational measures intended to protect the Wallet and our supporting infrastructure.

However, no software, device, network or blockchain system can be guaranteed to be completely secure or continuously available.

We may release updates, security patches or new versions of the Wallet. Certain updates may be necessary to maintain security, compatibility or functionality.

You are responsible for installing updates made available through official distribution channels. Failure to install an update may expose you to security risks or prevent certain features from operating correctly.

You must download the Wallet only from an official AurasPay website or an authorised application store.

14. Availability and Changes to the Wallet

The Wallet is provided on an “as is” and “as available” basis.

We do not guarantee that the Wallet or any particular feature will always be available, uninterrupted, secure or error-free.

We may modify, add, suspend or discontinue features where reasonably necessary for:

• security or technical reasons;
• legal or regulatory compliance;
• changes to supported blockchain networks;
• third-party service changes;
• prevention of fraud or misuse; or
• improvement of the Wallet.

Where required by applicable consumer law, we will provide reasonable notice of material changes that negatively affect a paid digital service.

Discontinuation of the Wallet does not transfer control of your private keys or digital assets to AurasPay. You remain responsible for maintaining your recovery information and, where technically compatible, may be able to import it into another self-custodial wallet.

15. Disclaimer of Warranties

To the maximum extent permitted by applicable law, AurasPay does not provide any express or implied warranty regarding:

• uninterrupted or error-free availability;
• the security of your device or private keys;
• the operation of any blockchain network;
• the value or legality of any digital asset;
• the accuracy of third-party information;
• the availability of liquidity;
• the performance of smart contracts or decentralised applications; or
• the operation of third-party services.

Nothing in these Terms excludes any warranty, conformity requirement or consumer right that cannot lawfully be excluded under applicable European Union or national law.

16. Limitation of Liability

To the maximum extent permitted by applicable law, AurasPay EU OÜ shall not be liable for losses resulting from:

• loss, theft or disclosure of private keys or recovery information;
• transactions authorised by you;
• transactions sent to an incorrect address, token or blockchain network;
• unauthorised access caused by compromised devices or credentials;
• blockchain failures, forks, congestion or increased network fees;
• smart-contract vulnerabilities or protocol exploits;
• malicious, fraudulent or unsupported tokens;
• price volatility, liquidity changes or slippage;
• the conduct, failure or insolvency of a third-party provider;
• regulatory action or changes in applicable law;
• force majeure events; or
• circumstances outside AurasPay’s reasonable control.

To the maximum extent permitted by law, AurasPay shall not be liable for indirect, incidental, special, punitive or consequential losses, including loss of profits, opportunity, data, goodwill or anticipated savings.

Nothing in these Terms excludes or limits liability for fraud, wilful misconduct, gross negligence, death or personal injury caused by negligence, or any other liability that cannot legally be excluded or limited.

The limitations in this section do not affect mandatory rights available to consumers under applicable law.

17. Suspension and Termination

You may stop using the Wallet at any time.

Deleting the application does not delete blockchain data or recover, transfer or dispose of your digital assets. You should ensure that you have securely backed up your recovery information before deleting the application.

We may suspend or terminate access to hosted Wallet features where reasonably necessary because of:

• a material or repeated breach of these Terms;
• unlawful or prohibited activity;
• sanctions or legal requirements;
• a serious security threat;
• fraud or attempted misuse;
• discontinuation of the Wallet; or
• circumstances making continued provision unlawful or technically impossible.

Where reasonably possible and legally permitted, we will provide notice and the reason for the suspension or termination.

Suspension or termination does not give AurasPay control over digital assets held at blockchain addresses controlled by you.

Sections that by their nature should survive termination will remain effective, including intellectual property, risk disclosures, disclaimers, limitations of liability and dispute provisions.

18. Consumer Rights

Nothing in these Terms limits or excludes mandatory rights available to consumers under Estonian law, European Union law or the mandatory law of the country in which the consumer habitually resides.

Where the Wallet includes paid digital content or a paid digital service, additional statutory rights relating to conformity, remedies, cancellation and withdrawal may apply.

Information concerning the applicable price, contract duration, cancellation conditions and any exception to a statutory withdrawal right will be provided before the user purchases the relevant paid feature.

Business users confirm that they are acting for purposes relating to their trade, business, craft or profession and may not benefit from legal provisions that apply exclusively to consumers.

19. Complaints and Consumer Dispute Resolution

Questions or complaints should first be submitted to:

Please include your contact information, a description of the issue and the resolution you are requesting.

Where applicable under Estonian consumer law, we will provide a written response to a consumer complaint within 15 days.

An Estonian-resident consumer who has been unable to resolve a contractual dispute directly with AurasPay may be entitled to submit the dispute to the Consumer Disputes Committee operating under the Estonian Consumer Protection and Technical Regulatory Authority.

Consumers residing in another European Union or European Economic Area country may contact the European Consumer Centre in their country of residence for information and assistance concerning a cross-border consumer dispute.

The use of an alternative dispute-resolution procedure does not prevent either party from exercising any right to bring proceedings before a competent court.

20. Governing Law and Jurisdiction

These Terms are governed by the laws of the Republic of Estonia.

However, where you are a consumer habitually resident in another European Union or European Economic Area country, this choice of Estonian law does not deprive you of mandatory consumer protections provided by the law of your country of habitual residence.

A consumer may bring proceedings in any court that has jurisdiction under applicable European Union and national law, including, where applicable, the courts of the consumer’s place of domicile.

Proceedings against a consumer may be brought only before courts permitted by applicable consumer-jurisdiction rules.

For users acting in the course of a business or profession, disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Harju County, Estonia, unless the parties agree otherwise in writing.

21. Changes to These Terms

We may update these Terms to reflect:

• changes to the Wallet;
• security or technical developments;
• changes to supported blockchain networks or third-party services;
• changes in applicable law or regulatory requirements; or
• other legitimate business reasons.

The updated Terms will be published with a revised effective date.

Where required by applicable law, we will provide advance notice of material changes.

Changes will not apply retroactively unless required by law or expressly agreed with you.

If you do not agree to an updated version of the Terms, you must stop using the Wallet before the updated Terms take effect.

Continued use after the effective date constitutes acceptance only to the extent permitted by applicable law.

22. Force Majeure

AurasPay shall not be responsible for a delay or failure caused by events outside its reasonable control, including natural disasters, war, terrorism, civil disturbance, sanctions, government action, internet or telecommunications failures, blockchain network failures, cyberattacks, power outages, labour disputes or failures of third-party infrastructure.

This section does not limit any mandatory consumer right or liability that cannot lawfully be excluded.

23. Severability

If any provision of these Terms is found to be unlawful, invalid or unenforceable, that provision shall be applied to the maximum extent permitted by law.

The remaining provisions will continue in full force and effect.

24. No Waiver

A failure or delay by AurasPay to exercise a right under these Terms does not constitute a waiver of that right.

A waiver is effective only if made expressly and in writing.

25. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

AurasPay may assign these Terms as part of a merger, restructuring, corporate reorganisation or transfer of the Wallet business, provided that such assignment does not reduce any mandatory consumer rights.

26. Entire Agreement

These Terms, together with the Privacy Policy and any additional terms presented for a specific paid or third-party feature, constitute the agreement between you and AurasPay concerning your use of the Wallet.

If specific terms for a feature conflict with these Terms, the specific terms will apply to that feature.

27. Contact

For legal, privacy or support inquiries, contact:

Auras Wallet is self-custodial software. AurasPay EU OÜ does not hold or control user funds, private keys or recovery phrases and cannot reverse or recover blockchain transactions.

Auras Wallet is not a bank, payment service provider, electronic-money institution, investment firm or custodian. Any regulated service accessible through the Wallet is provided independently by the relevant third-party provider under its own terms and regulatory permissions.

© 2026 AurasPay EU OÜ. All rights reserved.