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WalletDNA Terms of Use & Disclaimer

Last Updated: May 10, 2026

Part I — Disclaimer

WalletDNA is a software platform providing informational analytics derived from publicly available blockchain data. The Platform is a software tool, not a regulated financial, legal, or compliance service. The information, analytics, scores, summaries, categorizations, labels, and reports it produces are informational outputs only and are not determinations of fact, legal conclusions, or professional advice.

WalletDNA is not a bank, financial institution, cryptocurrency exchange, broker-dealer, investment adviser, money transmitter, money services business (“MSB”), virtual asset service provider (“VASP”), crypto-asset service provider (“CASP”), consumer reporting agency under the Fair Credit Reporting Act, custodian, escrow provider, law firm, accounting firm, or government agency. WalletDNA does not custody, hold, transmit, exchange, or control digital assets or fiat currency on behalf of users.

All information, analytics, scores, summaries, categorizations, labels, heuristics, risk indicators, and reports provided by WalletDNA are generated using automated systems, public blockchain data, third-party sources, internal heuristics, machine learning models, artificial intelligence systems, and probabilistic analysis techniques. Such information may be incomplete, outdated, inaccurate, delayed, or subject to false positives and false negatives. Outputs may reflect biases present in training data and underlying heuristics.

Attribution, entity labels, cluster assignments, sanctions associations, illicit-activity indicators, and risk scores produced by the Platform are probabilistic inferences. They are not factual determinations of identity, ownership, control, intent, or legal status, and they are not accusations of wrongdoing. A “high risk” score or similar label reflects statistical association only and does not assert that any person or entity has engaged in unlawful conduct.

WalletDNA does not guarantee:

The Platform's outputs do not constitute a determination of the legality or illegality of any wallet, entity, transaction, or person, and shall not be relied upon as such.

All content and outputs are provided strictly for informational and investigatory assistance purposes only and should not be relied upon as legal, investment, financial, compliance, accounting, or regulatory advice.

Users are solely responsible for independently verifying all information and for all decisions, actions, investigations, compliance determinations, filings, disclosures, reporting obligations, enforcement actions, or business activities conducted based on WalletDNA outputs.

To the fullest extent permitted by law, WalletDNA disclaims all warranties, express or implied, including any warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, or availability.

Part II — Terms of Use

1. Acceptance of Terms

By accessing or using WalletDNA (the “Platform”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree, you may not access or use the Platform. The Platform is intended for users 18 years of age or older; by using it, you represent and warrant that you are at least 18.

2. Nature of Services

WalletDNA provides blockchain analytics, wallet intelligence, heuristic analysis, AI-assisted summaries, risk scoring, compliance workflow support tools, and downloadable reports related to publicly available blockchain activity.

WalletDNA is a software and analytics provider only. WalletDNA does not provide custodial services, money transmission services, brokerage services, exchange services, escrow services, investment advisory services, legal services, accounting services, regulatory certification services, or consumer reporting services.

Nothing on the Platform constitutes legal, financial, investment, sanctions, tax, or compliance advice; AML/KYC certification; regulatory approval; a law enforcement determination; or a definitive attribution of ownership or control of any blockchain address.

3. No Regulatory Endorsement

Use of the Platform does not imply that WalletDNA is licensed, regulated, approved, endorsed, or certified by any governmental authority unless expressly stated. Any references to compliance frameworks, sanctions, AML, FATF guidance, the Travel Rule, MiCA, or other regulatory concepts are provided solely for informational purposes.

4. Geographic Availability and Eligibility

The Platform is currently available to users in the United States, Canada, and selected other jurisdictions. The Platform is not available to, and you may not access or use the Platform if you are located in, ordinarily resident in, or accessing from:

You further represent and warrant that:

5. User Responsibilities and Acceptable Use

You agree that you:

You shall not use the Platform to:

You acknowledge that blockchain attribution and risk analysis are inherently probabilistic and may produce inaccurate or incomplete results. You shall not represent the Platform's outputs as factual determinations to third parties and shall include appropriate caveats when incorporating outputs into reports, filings, or external communications.

6. What You May Upload

You may submit to the Platform only:

You may not upload personal data of any third party, customer lists, KYC records, transaction histories tied to identified individuals, or any data you process on behalf of others.

WalletDNA determines, alone and in its sole discretion, the purposes and means of processing all data submitted through the Platform. WalletDNA does not process any data on behalf of any user and does not act as a processor, sub-processor, or service provider within the meaning of the GDPR, UK GDPR, CCPA/CPRA, or analogous laws. You may not designate WalletDNA as a processor, service provider, or data handler in any agreement with any third party, and any such designation is null and void.

7. AI-Generated Content and Heuristic Analysis

Certain summaries, categorizations, interpretations, and reports may be generated or assisted by artificial intelligence systems and automated heuristics. AI-generated outputs may contain inaccuracies, errors, hallucinations, incorrect assumptions, outdated information, or misleading conclusions, and may reflect biases in training data.

AI and heuristic outputs are statistical approximations, not authoritative determinations. You shall independently verify any output before relying on it in any external context, including filings, investigations, communications with regulators, or business decisions affecting third parties.

8. Privacy

WalletDNA's collection, use, and processing of personal data are described in our Privacy Policy, which is incorporated by reference.

9. No Warranty

The Platform is provided “as is” and “as available.” To the maximum extent permitted by law, WalletDNA disclaims all warranties, whether express, implied, statutory, or otherwise, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, security, availability, and error-free operation.

WalletDNA does not warrant that reports will be accurate or complete, that risk scores will correctly reflect actual risk, that wallet attribution will be correct, that the Platform will operate uninterrupted, that data sources will remain available, or that the Platform will satisfy any regulatory obligation.

Nothing in this Section 9 excludes, restricts, or modifies any consumer right, statutory guarantee, or remedy that cannot be excluded under applicable law, including under the California Consumer Legal Remedies Act or the Australian Consumer Law.

10. Limitation of Liability

To the fullest extent permitted by law, WalletDNA, its owners, operators, affiliates, employees, contractors, licensors, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages; loss of profits, data, business, or goodwill; regulatory penalties or compliance failures; investigative errors; reputational harm; or business interruption arising from or related to use of the Platform, reliance on its outputs, errors or omissions, third-party data, AI-generated content, wallet misattribution, or inability to access the Platform.

Cap on liability:

The limitations in this Section 10 do not apply to: (i) liability that cannot be excluded under applicable law; (ii) statutory damages available to consumers under the California Consumer Legal Remedies Act, the Unfair Competition Law, the False Advertising Law, or analogous statutes; (iii) fraud, willful misconduct, or gross negligence to the extent applicable law prohibits limitation; (iv) death or personal injury caused by negligence to the extent applicable law prohibits limitation; or (v) indemnification obligations expressly stated in these Terms.

11. Indemnification

You agree to defend, indemnify, and hold harmless WalletDNA and its affiliates, officers, employees, contractors, licensors, and partners from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from your use of the Platform, your violation of these Terms, your misuse of reports or analytics, your violation of applicable law, or third-party claims related to your activities — except, with respect to consumer users, to the extent prohibited by applicable consumer protection law.

12. Intellectual Property

All software, branding, analytics methodologies, scoring systems, reports, designs, content, trademarks, logos, and proprietary heuristics associated with WalletDNA are owned by WalletDNA or its licensors. Users may not:

13. Third-Party Data Sources

WalletDNA may rely on third-party blockchain nodes, APIs, datasets, sanctions lists, attribution providers, AI models, and external services. WalletDNA is not responsible for the accuracy, availability, legality, or reliability of third-party data.

14. Subscription Renewals and Cancellation

Paid subscriptions automatically renew at the end of each billing period at the then-current rate until cancelled. You may cancel at any time through your account settings or via our Contact Us form. For consumer subscriptions, we will provide renewal reminders and cancellation instructions as required by applicable law, including California Business & Professions Code § 17600 et seq. Cancellation takes effect at the end of the then-current billing period, and unless required by law, fees already paid are non-refundable.

15. Suspension and Termination

WalletDNA reserves the right to suspend, restrict, or terminate access at any time, with or without notice, for suspected misuse, unlawful activity, abuse, security concerns, violations of these Terms, or access from a restricted jurisdiction. Sections 5, 6, 9, 10, 11, 12, 17, 18, and any provision that by its nature should survive, shall survive termination.

16. Modifications

WalletDNA may modify these Terms from time to time. For material changes, WalletDNA will provide at least 30 days' notice via email or a prominent notice on the Platform before the changes take effect. Continued use after the effective date constitutes acceptance. If you do not agree, your sole remedy is to stop using the Platform and, if applicable, cancel your subscription.

17. Governing Law; Dispute Resolution; Class Action Waiver

(a) Governing Law. These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

(b) Binding Arbitration. Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform shall be resolved by final and binding arbitration administered by JAMS pursuant to its Streamlined Arbitration Rules, before a single arbitrator, seated in San Francisco, California. Judgment on the award may be entered in any court of competent jurisdiction.

(c) Class Action Waiver. You and WalletDNA each agree that disputes will be brought only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative action. The arbitrator may not consolidate claims or preside over any representative proceeding.

(d) Carve-Outs. Either party may (i) seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property or confidential information; (ii) bring an individual claim in small-claims court if eligible; or (iii) bring claims that cannot be required to be arbitrated under applicable law.

(e) Public Injunctive Relief (California). Claims for public injunctive relief under California law may be brought in a court of competent jurisdiction in San Francisco, California. If this carve-out is held invalid, the arbitration agreement in this Section 17 is void as to the affected claims, but the remainder of these Terms remains in effect.

(f) Mass Arbitration. If 25 or more substantially similar arbitration demands are filed by or with the assistance of the same law firm or coordinated group within a 60-day period, JAMS shall administer the demands in batches of no more than 50, with a single arbitrator per batch, and the parties will engage in good-faith mediation of the first batch before later batches proceed.

(g) Sexual Misconduct Carve-Out. Consistent with the U.S. Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act of 2021, you may elect to bring claims for sexual assault or sexual harassment in court rather than in arbitration.

(h) Opt-Out. You may opt out of arbitration by submitting written notice via our Contact Us form within 30 days of first accepting these Terms.

(i) Jury Trial Waiver. To the extent any dispute proceeds in court, each party knowingly and voluntarily waives the right to a jury trial.

18. Severability

If any provision is held invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or, if not possible, severed; the remaining provisions remain in full force and effect.

19. Entire Agreement; No Reliance

These Terms, together with any order form or written agreement between you and WalletDNA, constitute the entire agreement between the parties regarding the Platform and supersede all prior or contemporaneous communications, marketing materials, demos, and statements. You acknowledge that you have not relied on any representation, warranty, or statement not expressly set forth in these Terms.

20. Business User Overlay

The following modifications apply if you are accessing the Platform on behalf of a business entity, are on a paid plan of USD $5,000/year or more, or have signed a separate order form or master services agreement with WalletDNA. In the event of conflict between this Section 20 and other provisions of these Terms, this Section 20 controls for Business Users.

(a) Consumer Protections Inapplicable. You acknowledge that you are not a consumer for purposes of these Terms, and that consumer-specific provisions (including Sections 10(b), 10(c), and 17(e)) do not apply to you.

(b) Cap on Liability. For Business Users, the cap in Section 10(a) is replaced with the greater of (i) the fees paid in the twelve months preceding the claim or (ii) USD $25,000, subject to negotiation in any signed order form.

(c) Indemnification. Business Users provide the indemnification in Section 11 without the consumer-law limitation.

(d) MSA Controls. Where a signed master services agreement or order form exists between you and WalletDNA, that agreement controls in the event of conflict with these Terms.

21. Contact

For all questions, requests, and complaints regarding these Terms, please use our Contact Us form.

Terms of Use & Disclaimer — WalletDNA | WalletDNA