User agreement

Last updated: January 10, 2020

Note: User agreement is translated only for convenience and is to be considered in the english version only in the event of legal action.
This User Agreement (this Agreement) is among you, and Swirlwallet This Agreement governs your use of the services provided by Swirlwallet (the “Services”).By using any of the Services or signing up to use an account through Swirlwallet.com or any other domain(the Website) or any of our associated websites(including, without limitation, the technology and the platform integrated therein), APIs and/orany and all related applications , you agree that you have read, understoodand accept all of the terms and conditions contained in this Agreement, as well as all of the terms and conditions of our Privacy Policy which is hereby incorporated by reference and forms part of this Agreement.You should read this Agreement and the Privacy Policy carefully and in their entirety. This Agreement is effective as of the earliest date and time at which you use any of the Services on the Swirlwallet Site.Unless otherwise stated here in, references to “Swirlwallet,we, “us” or ourin this Agreement will refer collectively to Swirlwallet.co  In this Agreement, you,youror Usermeans any person or entity using the Swirlwallet Site or our Services and the person to whom Swirlwallet enters into this Agreement. If you do not agree to be bound by the terms and conditions of this Agreementor the Privacy Policy, you must not use or access the Swirlwallet Site or use or access any of Swirlwalletsproducts or Services. Any use of or access to the Swirlwallets Site or our Services means you consent to and agree to the terms and conditions of this Agreement and the Privacy Policy.If you do not read and accept this Agreement and our Privacy Policy in their entirety, you should not use or continue using the Swirlwallet Site or our Services.Hodltech is a licensed virtual currency wallet service provider and no partnership, joint venture, employee-employer, agencyor franchiser-franchisee relationship is intended or created by this Agreement.We do not endorse or recommend any particular virtual currency, digital asset or transaction. No content on the Swirlwallet Site nor communications with our personnel constitutes transaction, purchase or investment advice.

Independent advice should be sought where applicable and appropriate. You acknowledge and agree that the decision to use our Services and all transaction decisions are made solely by you and we bear no responsibility or liability for the outcome of your decisions.
CAUTION: The risk of loss in using and/or holding virtual currencies can be substantial. Therefore, you should carefully evaluate whether you can bear the risk of using and/or holding virtual currencies and whether it is suitable for you. You accept and understand that this Agreement may be modified or updated by us from time to time, in our sole discretion. We will provide you with notice of such changes by posting the revised agreement on theWebsiteand/or providing a copy to you.The amended Agreement will be deemed effective immediately upon posting on the Website. Your continued use of the Site and/or our Services constitutes your agreement to be bound by the revised agreement. If you do not agree with any such modification, your sole and exclusive remedy is to terminate your use of the Services and close your account. Certain Services may be subject to additional terms and conditions specified by us from time to time, and your use of such Services is subject to those additional terms and conditions, which are hereby incorporated into this Agreement by reference.Unless otherwise instructed, your account will be held in a general multi-client wallet managed and overseen by Hodltechand its accounting procedures or your account may be held in a separate individual wallet if instructed by you and when available as part of our Services.