2.1 Free, open-source software. The Software is provided free of charge under the MIT License. The MIT License governs your rights to copy, modify, and redistribute the source code. These Terms govern your use of the Software in compiled or installed form. Where the MIT License is more permissive on a given point, the MIT License controls.

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2.2 Non-custodial wallet. The Software is a self-custodial cryptocurrency wallet. It generates and stores cryptographic keys ("Private Keys", including BIP-39 mnemonic seed phrases and BIP-32 derived keys) entirely on your device. We never possess, transmit, custody, escrow, recover, reset, or have any access to your Private Keys, mnemonic, password, or funds. We cannot recover lost Private Keys or reverse transactions.

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2.3 No service, no account, no relationship. The Software is a client-side program that runs inside your browser. We do not operate any server that authenticates, identifies, or stores user information. You do not create an account with us by using the Software. No fiduciary, custodian, broker, dealer, exchange, money transmitter, financial advisor, banking, trust, or agent relationship is formed between us and you.

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2.4 No advice. Nothing in the Software or its documentation is financial, investment, legal, tax, accounting, or other professional advice. You are solely responsible for your decisions.

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2.5 Third-party services. The Software functions by making network requests from your browser directly to third-party blockchain data providers, price oracles, and RPC endpoints (the "Third-Party Services"). Third-Party Services are operated independently of us. We do not control them, do not endorse them, are not their agents, and accept no responsibility for their availability, accuracy, security, content, fees, or terms. A non-exhaustive list of Third-Party Services contacted by the Software is set out in the Privacy Policy.

3.1 You may use the Software only if all of the following are true:

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(a) you are at least 18 years old or the age of legal capacity to contract in your jurisdiction, whichever is higher; (b) you have the legal capacity to enter into a binding contract; (c) you are not a person resident in, or a citizen or national of, any jurisdiction subject to comprehensive sanctions administered by the United Nations Security Council, the United States, the European Union, the United Kingdom, or the Monetary Authority of Singapore, including without limitation Cuba, Iran, North Korea, Syria, the Crimea, Donetsk, and Luhansk regions, and any other comprehensively sanctioned territory; (d) you are not listed on any sanctions or denied-persons list maintained by any of the authorities in (c); (e) you will not use the Software in violation of any applicable law, regulation, or sanction; (f) your use of self-custodial cryptocurrency wallets is lawful in your jurisdiction.

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3.2 We may, at any time and without notice, restrict the availability of compiled builds or distribution channels in any jurisdiction.

4.1 Seed phrase and password. You are solely responsible for:

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(a) recording, backing up, and securely storing your mnemonic seed phrase and any derived Private Keys; (b) choosing a strong password and not disclosing it; (c) keeping your device, operating system, browser, and the Software up to date and free of malware; (d) verifying that any extension you install bearing the Chui Wallet name is a build you trust; (e) understanding what each transaction does before signing it.

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4.2 Loss is permanent. If you lose your mnemonic, lose your password, fail to back up either, send funds to a wrong address, sign a malicious transaction, or fall victim to phishing, you may permanently lose access to all funds controlled by your Private Keys. We cannot help you recover them and are not liable for any such loss.

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4.3 Compatibility and operating environment. The Software is a Chromium-based browser extension distributed via the Chrome Web Store and, optionally, side-loaded from the Software's source repository. We make no representation that the Software will function on any particular browser version, operating system, hardware, or jurisdiction. You install and run the Software at your own risk.

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4.4 Compliance with laws. You are solely responsible for complying with all applicable laws and regulations, including without limitation those governing cryptocurrency, financial services, anti-money-laundering, counter-terrorism financing, tax, securities, sanctions, export control, and data protection. You agree not to use the Software to commit, facilitate, or further any unlawful activity.

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4.5 Taxes. You are solely responsible for determining, reporting, and paying any tax, levy, duty, or charge arising from your acquisition, holding, transfer, conversion, or use of cryptocurrency. We do not generate tax forms or issue receipts.

By using the Software, you acknowledge and accept that:

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(a) Cryptocurrency markets are highly volatile and may result in total loss. (b) On-chain transactions are typically irreversible once broadcast and confirmed. (c) The cryptographic schemes used by blockchain networks may be broken, deprecated, or weakened by future advances (including but not limited to quantum-computing advances), which could expose Private Keys to compromise. (d) Blockchain networks may reorganize, fork (hard or soft), suffer consensus failures, congestion, or halt, and Third-Party Services may misreport, omit, delay, or fabricate chain data. (e) Bridges, smart contracts, decentralized applications, and counterparties you interact with using the Software are independent of us and may be malicious, defective, or hacked. (f) The fiat-currency values displayed by the Software are sourced from Third-Party Services and may be inaccurate, stale, or manipulated. They are indicative only and are not a quotation or offer. (g) Address re-use, dust attacks, replay attacks, malicious RPCs, malicious dApps, and signature-related phishing are common threats. The Software does not, and cannot, guarantee protection against them. (h) The browser-extension distribution channel can itself be a target for supply-chain attack. You are responsible for verifying that the Software you have installed corresponds to a trusted release.

6.1 AS IS / AS AVAILABLE. To the maximum extent permitted by law, the Software is provided "as is" and "as available", without warranties or representations of any kind, whether express, implied, statutory, or otherwise. We expressly disclaim all warranties, including without limitation the implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, title, non-infringement, accuracy, freedom from defects or vulnerabilities, uninterrupted operation, freedom from harmful components, and any warranty arising from course of dealing, usage, or trade practice.

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6.2 No guarantee of correctness. We do not warrant that the Software is free of bugs, errors, vulnerabilities, malicious code, race conditions, or undefined behavior. We do not warrant that any cryptographic primitive used by the Software is correctly implemented or remains secure in light of evolving research.

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6.3 No guarantee of fitness. Nothing in the Software, its documentation, marketing materials, the source repository, or any communication by us or our contributors constitutes a representation that the Software is suitable for any particular purpose, including the safekeeping of any amount of cryptocurrency.

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6.4 Statutory rights. Some jurisdictions do not permit the exclusion of certain warranties. The exclusions in this clause apply to the fullest extent permitted by the law of your jurisdiction.

7.1 Aggregate liability cap. To the maximum extent permitted by law, our total aggregate liability to you for all claims arising out of or relating to the Software or these Terms, whether in contract, tort (including negligence), breach of statutory duty, restitution, or otherwise, is limited to S$100 or the total amount of fees you have paid us for the Software in the twelve (12) months preceding the event giving rise to the claim, whichever is lower. Because the Software is free, this amount will ordinarily be S$0.

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7.2 Excluded damages. Under no circumstances will we, our directors, officers, employees, contractors, contributors, or affiliates be liable for any of the following, whether direct or indirect, foreseeable or unforeseeable:

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(a) loss of cryptocurrency, fiat currency, tokens, NFTs, or any digital asset; (b) loss of Private Keys, mnemonic, password, or access to a wallet; (c) loss of profits, revenue, anticipated savings, opportunity, goodwill, or business; (d) loss, corruption, or alteration of data; (e) cost of substitute goods, software, or services; (f) damages arising from a Third-Party Service, blockchain network, smart contract, dApp, browser, operating system, or hardware failure; (g) damages arising from your failure to secure your device, your seed phrase, or your password; (h) damages arising from a malicious or compromised browser extension or its distribution channel; (i) any indirect, incidental, special, consequential, exemplary, punitive, or aggravated damages.

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7.3 Basis of bargain. You acknowledge that the limitations and exclusions in clauses 6 and 7 are a fundamental basis of the bargain between you and us and that we would not provide the Software without them. They apply even if a remedy fails of its essential purpose.

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7.4 Non-excludable liability. Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under applicable law, such as liability for fraud, fraudulent misrepresentation, or death or personal injury caused by negligence.

You agree to defend, indemnify, and hold harmless us, our directors, officers, employees, contractors, contributors, and affiliates from and against any and all claims, demands, proceedings, losses, liabilities, damages, costs, and expenses (including reasonable legal fees on an indemnity basis) arising out of or related to:

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(a) your use of, or inability to use, the Software; (b) your breach of these Terms; (c) your violation of any law, regulation, or third-party right; (d) any transaction you initiate, sign, or broadcast using the Software; (e) your interaction with any Third-Party Service, smart contract, dApp, or counterparty; (f) any content you input into the Software, including addresses, labels, and notes.

9.1 Updates to the Software. We may release new versions of the Software at any time. New versions may add, change, or remove features, modify the Software's behavior, deprecate support for chains or tokens, or stop being made available. We are under no obligation to publish updates, security patches, or migrations, or to maintain backward compatibility.

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9.2 Updates to these Terms. We may revise these Terms from time to time. The current version is always available in the Software's source repository. The "Effective date" at the top of this document marks when the current version took effect. By continuing to use the Software after a revised version is published, you accept the revised Terms. If you do not accept a revision, you must stop using the Software.

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9.3 Termination by you. You may stop using the Software at any time by removing the extension from your browser. Uninstalling the extension deletes the encrypted vault and locally stored data from your browser profile. If you have not backed up your mnemonic, uninstalling will result in permanent loss of access to your funds.

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9.4 Termination by us. We may, at any time and without notice or liability, suspend, restrict, discontinue, or remove the Software from any distribution channel. Sections 4 through 12 survive termination.

10.1 MIT License. The Software's source code is licensed to you under the MIT License set out in the LICENSE file in the source repository. The MIT License grants you broad rights to use, copy, modify, merge, publish, distribute, sublicense, and sell copies of the Software, subject to inclusion of the copyright notice and the disclaimer in the License.

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10.2 Trademarks. The names "Chui", "Chui Wallet", "OneByZero", and any associated logos, badges, and marks are our trademarks (registered or unregistered, as applicable). The MIT License does not grant you any right to use those names or marks. You may not, without our prior written consent: (a) name a fork or derivative work in a way that implies it is the official Chui Wallet; (b) use the marks to suggest endorsement, sponsorship, or affiliation; or (c) register confusingly similar marks.

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10.3 Reservation of rights. All rights not expressly granted to you in the MIT License or these Terms are reserved by us and our licensors.

11.1 Governing law. These Terms, your use of the Software, and any dispute arising out of or in connection with them are governed by, and construed in accordance with, the laws of the Republic of Singapore, excluding its rules on conflict of laws.

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11.2 Arbitration. Any dispute, controversy, or claim arising out of or in connection with these Terms, including any question regarding their existence, validity, breach, or termination, will be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) in accordance with the Arbitration Rules of the SIAC for the time being in force, which rules are deemed incorporated by reference into this clause. The seat of arbitration is Singapore. The tribunal will consist of one (1) arbitrator. The language of the arbitration is English.

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11.3 Class action waiver. You and we each waive any right to participate in a class action, class arbitration, representative action, or consolidated proceeding in connection with these Terms or the Software, to the maximum extent permitted by law.

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11.4 Injunctive relief. Notwithstanding clause 11.2, either party may seek interim or injunctive relief in any court of competent jurisdiction in Singapore to protect its intellectual property, confidential information, or trademarks pending the conclusion of arbitration.

12.1 Entire agreement. These Terms, together with the MIT License and the Privacy Policy, constitute the entire agreement between you and us in respect of the Software and supersede any prior or contemporaneous agreement, representation, or understanding.

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12.2 Severability. If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect, and the invalid provision will be replaced by a valid provision that comes closest to the parties' original intent.

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12.3 No waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision. A waiver, to be effective, must be in writing and signed by us.

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12.4 Assignment. You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, corporate restructuring, or sale of all or substantially all of our assets.

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12.5 No third-party rights. A person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 2001 of Singapore to enforce any of these Terms.

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12.6 Force majeure. We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including without limitation acts of God, natural disasters, war, terrorism, civil unrest, government action, sanctions, embargoes, pandemics, network outages, blockchain reorganizations or forks, smart-contract exploits, third-party service outages, denial-of-service attacks, browser-vendor decisions, and supply-chain compromises.

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12.7 Notices. Notices to us must be in writing and sent to the registered address in clause 1. Notices to you may be given by posting a notice in the Software's source repository or on its website, by updating the Software, or, where you have provided an email address, by email.

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12.8 Language. These Terms are written in English. Any translation is provided for convenience only; in the event of any discrepancy, the English version prevails.