TERMS AND CONDITIONS

1. Introduction and Acceptance

These Terms and Conditions ("Terms") govern your access to and use of the digital asset management service (the "Service") provided through this website (the "Platform"). The Service is operated for fun by @maattssoonn (my handle on TG), a PRIVATE CITIZEN, a voluntary ("I").

By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Service.

2. Eligibility and User Representations

2.1 Age Requirement

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you meet this age requirement.

2.2 Jurisdictional Compliance

You represent and warrant that:

• (a) You are not located in, resident of, or subject to the jurisdiction of any country, territory, or region where the use of the Service is prohibited by applicable law, regulation, or sanction;
• (b) You are not subject to economic sanctions administered by the European Union, United Nations, United States, or any other applicable sanctions authority;
• (c) You have independently verified that your use of the Service complies with all applicable laws and regulations in your jurisdiction;
• (d) You are solely responsible for determining whether your use of the Service is lawful in your jurisdiction, and you acknowledge that I make no representations regarding the legality of the Service in any jurisdiction.

2.3 Technical Capacity

You represent and warrant that you possess sufficient technical knowledge to:

• (a) Understand the nature and risks of blockchain transactions;
• (b) Securely manage cryptographic private keys;
• (c) Use blockchain-based applications without assistance.

2.4 PRIVATE USE ONLY

You represent and warrant that you ARE USING THIS SERVICE SOLELY FOR PRIVATE PURPOSES, SUCH THAT:

• (a) You seek no business gain;
• (b) You willingly and under no duress enter into the use of the Service;
• (c) You understand that this Service is a voluntary service by one private individual solely to another private individual.
• (d) Further you understand that the Service is not a MICA service, as it is not offered for profit nor by an enterprise.

3. Description of Service

3.1 Service Functionality

The Service provides automated tools to assist users in:

• (a) Identifying digital assets held in Stellar blockchain accounts;
• (b) Executing blockchain transactions to remove unwanted digital assets via decentralized exchange (DEX) trading, issuer returns, or trustline deletion;
• (c) Reclaiming base reserve (XLM) locked by unused trustlines.

3.2 Account Merge Service

The Service includes an optional account merge feature that enables permanent deletion of Stellar blockchain accounts by merging them into another account. Account merge is irreversible and permanently destroys the merged account. You acknowledge and accept full responsibility for ensuring you understand the consequences before executing an account merge.

3.3 Non-Custody Service

I do not provide wallet, custody, or safekeeping services. I never possess, control, or have access to your cryptographic private keys or digital assets. All blockchain transactions are executed directly from your own wallet using your own private key, which remains solely in your browser's memory and is never transmitted to my servers.

3.4 No Financial Advice

The Service does not provide investment, financial, legal, tax, or regulatory advice. Nothing on the Platform constitutes a recommendation to buy, sell, or hold any digital asset. You are solely responsible for evaluating the merits and risks of using the Service.

4. User Obligations and Prohibited Conduct

4.1 Private Key Security

You are solely and exclusively responsible for:

• (a) The security, confidentiality, and backup of your Stellar account private keys;
• (b) All transactions executed using your private keys, whether authorized by you or not;
• (c) Any loss of access to your digital assets resulting from lost, stolen, or compromised private keys.

I have no technical ability to recover, reset, or restore private keys. Lost private keys cannot be recovered by us or anyone else.

4.2 Prohibited Activities

You agree not to:

• (a) Use the Service for any unlawful purpose or in violation of these Terms;
• (b) Attempt to reverse engineer, decompile, disassemble, or otherwise derive source code from the Platform;
• (c) Interfere with or disrupt the integrity or performance of the Service;
• (d) Attempt to gain unauthorized access to the Service or its related systems;
• (e) Use automated scripts, bots, or other automated means to access the Service without my prior written consent;
• (f) Violate any applicable anti-money laundering, counter-terrorist financing, or economic sanctions laws.

5. Network Fees and Voluntary Donations

5.1 Voluntary Donations

No fee to Service is payable. If the user chooses to, a voluntary donation denominated in Lumens (XLM), the native cryptocurrency of the Stellar network can be made.

5.2 Network Fees

However, you are responsible for all blockchain network transaction fees (also denominated in XLM) charged by the Stellar network. Network fees are determined by the Stellar network protocol and are outside my control.

6. Blockchain Transaction Risks

6.1 Irreversibility

All blockchain transactions are irreversible and final once broadcast to the Stellar network. I have no ability to reverse, cancel, or modify transactions after they are submitted to the blockchain, even if you made an error, changed your mind, or experienced unintended consequences.

6.2 Emergency Stop Function

The Service includes an emergency stop function that allows you to halt transaction processing before final submission to the blockchain. You acknowledge and agree that:

• (a) The emergency stop function is only effective if activated before you authorize final transaction broadcast;
• (b) Once transactions are broadcast to the blockchain, the emergency stop function has no effect;
• (c) I am not liable for any losses resulting from your failure to use the emergency stop function;
• (d) The emergency stop function may not function correctly in all circumstances, including network disruptions, browser failures, or technical malfunctions.

6.3 Market and Technical Risks

You acknowledge and accept the following risks:

• (a) Price Volatility: Digital asset prices are highly volatile. DEX trading functionality may execute trades at prices significantly different from your expectations;
• (b) Liquidity Risk: DEX markets may lack sufficient liquidity to execute trades at favorable prices or at all;
• (c) Network Congestion: The Stellar network may experience congestion, delays, or outages that prevent transaction execution or cause transactions to fail AND FOR TRANSACTION FEES TO BE HIGHER THAN ANTICIPATED;
• (d) Protocol Changes: Changes to the Stellar protocol may affect Service functionality or render the Service temporarily or permanently inoperable;
• (e) Smart Contract Risk: DEX trading relies on automated market makers and liquidity pools that may contain bugs, vulnerabilities, or behave unexpectedly;
• (f) Issuer Risk: Asset issuers may freeze, revoke, or otherwise restrict assets, preventing their transfer or removal.

7. Disclaimers and Limitation of Liability

7.1 "AS IS" Service

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

I do not warrant that:

• (a) The Service will be uninterrupted, secure, or error-free;
• (b) Defects will be corrected;
• (c) The Service is free from viruses or other harmful components;
• (d) Results obtained from using the Service will be accurate or reliable.

7.2 No Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• (a) I / WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO LOSS OF DIGITAL ASSETS, LOSS OF PROFITS, LOSS OF DATA, OR BUSINESS INTERRUPTION;
• (b) THIS LIMITATION OF LIABILITY APPLIES REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES;
• (c) OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICE SHALL NOT EXCEED ZERO (XLM 0).

7.3 No Mandatory Consumer Rights

If you are a consumer within the European Union, you represent and warrant that you understand that a not-for-money service provided by an individual volunteer is not covered by EU consumer rights' legislation.

8. Force Majeure

I shall not be liable for any failure or delay in performing my obligations under these Terms where such failure or delay results from circumstances beyond my reasonable control, including but not limited to:

• (a) Acts of God, natural disasters, war, terrorism, civil unrest, or government action;
• (b) Stellar blockchain network failures, forks, congestion, or protocol changes;
• (c) Failures of third-party service providers, including Horizon API operators, DEX liquidity providers, or cloud infrastructure providers;
• (d) Internet or telecommunications failures;
• (e) Cyberattacks, distributed denial-of-service attacks, or hacking attempts;
• (f) Power outages or equipment failures.

9. Intellectual Property

9.1 Ownership

All intellectual property rights in the Platform and Service, including but not limited to software, source code, algorithms, user interface designs, trademarks, and documentation, are and shall exclusively remain my property.

9.2 Limited License

Subject to your compliance with these Terms, I grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your personal, non-commercial use. This license does not include any right to:

• (a) Reproduce, modify, distribute, or create derivative works from the Service;
• (b) Reverse engineer, decompile, or disassemble any component of the Service;
• (c) Use the Service to provide services to third parties;
• (d) Remove or alter any proprietary notices or labels.

10. Privacy and Data Protection

Your use of the Service is subject to my Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to my collection, use, and disclosure of your personal data as described in the Privacy Policy.

11. Term and Termination

11.1 Term

These Terms remain in effect for as long as you access or use the Service.

11.2 Termination by You

You may stop using the Service at any time. You are not required to notify us.

11.3 Termination by Us

We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, with or without notice, including if:

• (a) You breach these Terms;
• (b) Your use of the Service poses a security or legal risk to us or others;
• (c) I am required to do so by law or regulatory authority;
• (d) We decide to discontinue the Service.

11.4 Effect of Termination

Upon termination, your license to use the Service immediately ceases. Termination does not affect:

• (a) Blockchain transactions already executed;
• (b) My data retention obligations under applicable law;
• (c) Provisions of these Terms that by their nature should survive termination.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. Modified Terms will be effective immediately upon posting to the Platform. Your continued use of the Service after modifications constitutes acceptance of the modified Terms. We recommend reviewing these Terms periodically.

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Finland, without regard to its conflict of law principles.

13.2 Jurisdiction

Any disputes arising from or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the District Court of Helsinki (Helsingin käräjäoikeus), Finland.

14. General Provisions

14.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and me regarding the Service and supersede all prior agreements and understandings.

14.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

14.3 No Waiver

My failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

14.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without my prior written consent. I may assign my rights and obligations without restriction.

14.5 Language

These Terms are drafted in English. English is the legally binding language. I do not provide translations in any other language. In the event of any conflict or inconsistency between the English version and any translation, the English version shall prevail.

14.6 Contact Information

For questions regarding these Terms, please contact us at:

@maattssoonn on Telegram