Terms of Use

1. Introduction

Stealf is a privacy-first Solana mobile wallet operated by Stealf, Inc., a company incorporated in Delaware, USA ("Stealf", "we", "our", or "us"). These Terms of Use ("Terms") are a legally binding agreement between you and us.

By accessing or using Stealf in any way, you agree to these Terms. If you don't agree, don't use the service.

2. Eligibility

By using Stealf, you represent that:

• You are at least 18 years old and have legal capacity to enter into this agreement
• You are not located in, or a resident or citizen of, any jurisdiction subject to comprehensive sanctions (including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions)
• You are not on any sanctions list maintained by the United States, the European Union, the United Kingdom, or the United Nations
• Your use of Stealf does not violate any law or regulation applicable to you

We may decline, restrict, suspend, or terminate your access at our discretion, including for compliance, fraud prevention, security, or regulatory reasons.

3. What Stealf Provides

Stealf provides a mobile interface to:

• A Bank wallet managed via Turnkey (OAuth authentication, smart wallet infrastructure)
• A Stealth wallet generated locally or imported on your device, fully self-custodied
• Token swaps routed through Jupiter
• Stealf Yield, a yield product that stakes SOL into JitoSOL through the Jito liquid staking pool, with encrypted balance accounting via the Arcium MPC network

Banking features (cards, IBANs, fiat onramp and offramp) are not part of the current product. When these features are added in the future, additional terms will apply and you will be notified.

4. Self-Custody and Your Responsibility for Keys

Stealf is non-custodial. You control your wallets and your assets at all times.

For the Stealth wallet: the private key is generated on your device and stored locally in the secure enclave (iOS Keychain / Android Keystore). We do not store, backup, or have any access to this key. If you lose your device and your recovery phrase (the 24-word BIP39 mnemonic), your funds are permanently lost. We cannot recover them.

For the Bank wallet: authentication is handled via OAuth through Turnkey. If you lose access to your OAuth and recovery methods, you may lose access to this wallet.

You are solely responsible for:

• Keeping your device secure
• Keeping your recovery phrase, OAuth, and any other credentials safe and confidential
• Verifying transaction details before signing
• Understanding the risks of any operation you initiate

5. Stealf Yield

Stealf Yield lets you allocate SOL into JitoSOL liquid staking, with your balance recorded in encrypted form via the Arcium MPC network. Stealf does not custody or pool these funds with other users' funds.

By using Stealf Yield you understand and accept that:

• Yields are variable, depend on the Jito staking pool, and may change or fall to zero at any time
• The underlying staking protocol, the MPC network, or any other integrated protocol may experience smart contract failures, exploits, slashing events, or insolvency
• Solana validator behavior, network congestion, and on-chain conditions may affect the timing or outcome of any deposit or withdrawal
• Past performance does not predict future results
• Stealf does not guarantee the return of principal or any specific yield
• Stealf is not a lender, broker, asset manager, or financial advisor

6. Token Swaps

Token swap functionality is routed through Jupiter and other decentralized exchanges and aggregators. Stealf does not set prices, control routing, or guarantee execution. Prices may move between quote and execution due to network conditions, slippage, or liquidity changes. All swaps are final once confirmed on-chain.

7. Privacy Transfers

Private peer-to-peer transfers (when made available) will rely on third-party privacy protocols. Availability and terms of these features depend on the readiness of the underlying protocol. Specific terms will apply when this feature is activated.

8. Acceptable Use

You agree not to:

• Violate any applicable law, regulation, or sanction
• Use Stealf to facilitate money laundering, terrorist financing, fraud, sanctions evasion, or any illegal activity
• Reverse engineer, scrape, decompile, or attempt to extract data from our systems
• Interfere with or disrupt the service (including denial-of-service attempts, exploitation of rate limits, or abuse of webhooks)
• Create automated, fake, or unauthorized accounts
• Use the service in a way that could harm Stealf, other users, or third parties

Violations may result in immediate suspension or termination and may be reported to relevant authorities.

9. Third-Party Services

Stealf integrates with third parties whose services are governed by their own terms:

• Turnkey (OAuth authentication, Bank wallet infrastructure)
• Helius (Solana RPC and webhook infrastructure)
• Jupiter (swap routing)
• Arcium (MPC computation)
• Jito (liquid staking)

We may add, remove, or replace third-party providers at any time. We are not liable for the acts, omissions, outages, fees, policies, or data handling practices of any third-party provider or any DeFi protocol.

10. Taxes

You are solely responsible for determining, reporting, and paying any taxes applicable to your use of Stealf, including taxes on yield, swaps, and any other transactions. Stealf does not provide tax advice and does not file tax forms on your behalf.

11. Disclaimers

Stealf is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant:

• Continuous, uninterrupted, or error-free access
• Profit, performance, or any specific outcome from any wallet, yield, or swap activity
• The continued availability of any feature, integration, or third-party partner
• The security, solvency, or performance of any third-party protocol or service
• That the app is free of bugs, vulnerabilities, or unexpected behavior

Some jurisdictions do not allow the disclaimer of implied warranties; in those cases, some of the above may not apply to you.

12. Limitation of Liability

To the maximum extent permitted by law, Stealf will not be liable for:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of data, assets, profits, yield, or business opportunity
• Service outages, user errors, lost keys, or losses caused by third-party providers or DeFi protocols
• Any financial loss arising out of or related to your use of Stealf, including losses from market movements, slashing, depegs, exploits, protocol failures, or smart contract bugs

Our aggregate liability to you for any claim arising out of or related to these Terms or the service is capped at fifty US dollars (US$50).

13. Governing Law and Dispute Resolution

These Terms and any dispute arising from them or from your use of Stealf are governed by the laws of the State of Delaware, without regard to its conflict of laws rules, and by applicable US federal law.

Any dispute, claim, or controversy shall be resolved by binding individual arbitration administered in Wilmington, Delaware, under the then-current rules of the American Arbitration Association. You waive:

• Class action rights
• Jury trial rights

You have 30 days from accepting these Terms to opt out of arbitration by writing to louis@stealf.xyz.

14. Termination

We may suspend, restrict, or terminate your access at our discretion, including for breach of these Terms or for compliance, fraud, security, or risk reasons. You may stop using the service at any time. The sections on self-custody, disclaimers, limitation of liability, taxes, and governing law survive termination.

15. Changes

We may modify these Terms at any time. We will post the new version and update the "Last Updated" date. For material changes, we will notify you in-app or by email. Continued use of Stealf after changes take effect means you accept the updated Terms.

16. Contact