Terms of Service

Effective Date: February 12, 2026  |  Last Updated: August 24, 2026

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and JIL Sovereign Technologies, Inc. (“JIL Sovereign,” “we,” “us,” or “our”), a Delaware corporation. These Terms govern your access to and use of the JIL Sovereign platform, including the settlement engine, attestation and evidence services, APIs, documentation, and all related services (collectively, the “Services”).

1. Acceptance of Terms

By accessing, registering for, or using the Services, you represent and warrant that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our Risk Disclosure, each of which is incorporated herein by reference. If you are accessing the Services on behalf of a legal entity, you represent that you have the authority to bind that entity to these Terms.

If you do not agree to these Terms, you must immediately discontinue all use of the Services.

2. Eligibility

To use the Services, you must:

• Be at least 18 years of age (or the age of legal majority in your jurisdiction);
• Have the legal capacity to enter into binding contracts;
• Not be a resident of, or located in, any jurisdiction subject to comprehensive economic sanctions (including but not limited to North Korea, Iran, Syria, Cuba, and the Crimea, Donetsk, and Luhansk regions);
• Not be listed on any U.S., EU, UN, or Swiss sanctions list, including the OFAC Specially Designated Nationals (SDN) list;
• Comply with all applicable laws and regulations in your jurisdiction relating to financial services and data protection.

Certain features of the Services (including fiat on/off ramp access and institutional settlement) require successful completion of identity verification (KYC) as mandated by applicable anti-money laundering regulations.

3. Description of Services

JIL Sovereign provides the following core services:

• Institutional Custody: A non-custodial key-management service utilizing MPC key management, biometric authentication (WebAuthn), and post-quantum cryptographic security.
• Settlement Engine: Sovereign settlement infrastructure with sub-2-second finality, threshold cryptographic signing by a quorum of signing nodes operated by JIL Sovereign Technologies, and settlement fees of 5 bps OPEX per event ($1 floor). Healthcare PI is a separate schedule. The current configuration is 10 signing nodes deployed, 4 of which vote, carrying 10 policy-zone labels. A 20-node fleet with multi-party confirmation is a planned Q4 2026 target architecture and is not the present configuration.
• Cross-Chain Bridges: EVM-compatible bridge infrastructure supporting Ethereum, XDC, Ripple, and other EVM-compatible chains, secured by a threshold multi-signature quorum of the same JIL-operated signing-node fleet: 10 nodes deployed, 4 of which vote today, with a multi-party confirmation configuration as a planned Q4 2026 target.
• Attestation Services: Tools for creating, configuring, and issuing compliant attestations.
• Secure Document Vault: Hash-anchored encrypted document storage.
• Developer APIs and SDKs: Programmatic access to wallet, ledger, settlement, compliance, and bridge services.
• Governance: Protocol governance mechanisms for parameter decisions.

We reserve the right to modify, suspend, or discontinue any part of the Services at any time, with or without notice, subject to applicable law.

4. Account Registration and Security

You are responsible for maintaining the confidentiality and security of your account credentials, including your password, authentication credentials, biometric registrations, and private key shards. You agree to:

• Provide accurate, current, and complete information during registration and keep your account information updated;
• Immediately notify us of any unauthorized access to or use of your account;
• Not share your account credentials with any third party;
• Use strong, unique passwords and enable all available security features.

You are solely responsible for all activities that occur under your account. JIL Sovereign shall not be liable for any loss or damage arising from your failure to safeguard your credentials.

5. Key Management

You authorize every sign; JIL retains one shard. JIL Sovereign provides an MPC wallet architecture with passkey authentication. Signing authority is split across shards rather than a single private key sitting on one device. On the default service key, signing is performed server-side until threshold ECDSA ships.

• You authorize every sign. JIL retains one shard so identity and policy stay bound to the key.
• On the default service key, the platform reconstructs a secret in memory to sign. This is not a user-only shard model.
• JIL can refuse or delay a sign that has not happened yet, and cannot reverse a sign after it has occurred.

As a consequence:

• Default-path signing is server-side until threshold ECDSA ships. Do not treat the wallet as a model in which only you can produce a signature.
• We cannot reverse transactions. Settled payments are final once confirmed by the signing-node network.
• Policy binding. JIL may refuse or delay a sign that has not happened yet pursuant to policy evaluation, a valid court order, or a regulatory directive.

You acknowledge and accept these characteristics and assume full responsibility for the safeguarding of your authentication credentials and recovery methods.

6. No wallet protection or insurance

The JIL Sovereign platform does not currently offer third-party wallet protection coverage or insurance against loss of customer assets. No private underwriter, guaranty fund, or third party stands behind them. You bear the full risk of loss, including losses attributable to user error, negligence, unauthorized sharing of credentials, market volatility, regulatory actions, sanctions compliance events, protocol or infrastructure failures, and force majeure events.

• No representation is made that any loss will be reimbursed. Do not rely on the existence of any coverage, guaranty fund, or underwriter.
• Customer assets held or transacted through the platform are not equivalent to bank deposits and are not protected by FDIC insurance, SIPC protection, or any government-backed deposit guarantee program in any jurisdiction.
• Any future introduction of such coverage would be subject to separate terms and is not a feature of the platform today.

JIL Sovereign is not a bank. Your assets are not protected by the FDIC, SIPC, or any government deposit insurance program.

8. Fees and Charges

The following fees apply to the use of the Services:

• Network Transaction Fees: Settlement corridors 5 bps OPEX per event ($1 floor). Healthcare PI is a separate schedule (MCO 5 bps flat, hospital 0.25% NPR, hospice 1%). Not 25-35. Not 35-90.
• Bridge Transfer Fees: Variable fees based on the destination chain and gas conditions.
• Attestation Fees: Published on the platform interface at the time of issuance.
• Premium Account Fees: Subscription-based pricing as published on the platform.
• AUM-Based Fees: For Premium tier institutional accounts, 100 basis points per annum on monthly average assets under management.

We reserve the right to modify fee structures with 30 days' prior notice. Updated fee schedules will be published on the platform.

9. Prohibited Activities

You agree not to use the Services for, or in connection with, any of the following:

• Money laundering, terrorist financing, proliferation financing, or sanctions evasion;
• Fraud, market manipulation, wash trading, spoofing, layering, or any form of deceptive trading activity;
• Purchasing or selling illegal goods or services;
• Attempting to exploit, attack, or probe vulnerabilities in the platform, its services, or the signing node network (unless authorized under a formal bug bounty or penetration testing program);
• Circumventing or attempting to circumvent KYC/AML controls, sanctions screening, or compliance mechanisms;
• Using automated systems (bots, scrapers, or crawlers) to access the Services in a manner that degrades performance or violates rate limits, except through authorized API access;
• Impersonating another person, entity, or signing node operator;
• Distributing malware, viruses, or other harmful code through the platform;
• Any activity that violates applicable local, state, national, or international law.

Violation of this section may result in immediate account suspension, permanent ban, and/or reporting to law enforcement.

10. Regulatory Compliance

JIL Sovereign operates under a multi-jurisdictional compliance framework spanning 13+ jurisdictions, including Switzerland (FINMA), United States (FinCEN), Singapore (MAS), United Kingdom (FCA), Germany (BaFin), Japan (JFSA), UAE (FSRA), and EU (ESMA/MiCA). Our compliance infrastructure includes:

• KYC/AML verification through licensed third-party providers;
• FATF Travel Rule compliance for qualifying transactions;
• Real-time sanctions screening against OFAC, EU, UN, and Swiss SECO lists;
• Zero-knowledge compliance proofs that verify regulatory compliance without exposing underlying personal data;
• Jurisdiction-specific policy evaluation through the Policy Registry.

You are solely responsible for determining whether your use of the Services complies with the laws of your jurisdiction. JIL Sovereign makes no representation that the Services are appropriate or available for use in all jurisdictions.

11. Intellectual Property

All intellectual property rights in the Services, including but not limited to software, source code, algorithms, designs, trademarks, logos, documentation, and content (excluding user-generated content and open-source components), are owned by or licensed to JIL Sovereign Technologies, Inc.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Services for their intended purpose, subject to these Terms. You may not copy, modify, distribute, sell, or lease any part of the Services or reverse-engineer any software, except to the extent permitted by applicable open-source licenses or expressly authorized in writing.

12. Third-Party Services and Bridges

The Services may integrate with or provide access to third-party services, including external settlement networks, fiat on/off ramp providers, KYC verification services, and analytics platforms. JIL Sovereign is not responsible for:

• The availability, accuracy, or security of third-party services;
• Losses incurred on external settlement networks or through third-party providers;
• The terms, conditions, or privacy practices of third-party services.

Cross-network transfers involve inherent risks, including counterparty risk, network congestion, and finality delays on destination chains. By using the bridge, you acknowledge these risks and agree that JIL Sovereign's liability is limited as described in Section 14.

13. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. To the maximum extent permitted by applicable law, JIL Sovereign disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Without limiting the foregoing, JIL Sovereign does not warrant that:

• The Services will be uninterrupted, error-free, or secure;
• Any defects will be corrected;
• The Services will meet your specific requirements;
• Transactions will be processed within any particular timeframe;
• Fees or platform pricing will remain unchanged or increase.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL JIL SOVEREIGN TECHNOLOGIES, INC., ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SIGNING-NODE OPERATORS, OR AFFILIATES BE LIABLE FOR:

• Any indirect, incidental, special, consequential, punitive, or exemplary damages;
• Loss of profits, revenue, data, goodwill, or anticipated savings;
• Loss of or damage to assets, including loss due to market volatility;
• Losses arising from unauthorized access to your account due to your failure to safeguard credentials;
• Losses arising from the actions or omissions of third-party service providers, external settlement networks, or bridge destination chains;

whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory, even if JIL Sovereign has been advised of the possibility of such damages.

Our total aggregate liability for all claims arising out of or related to these Terms or the Services shall not exceed the greater of: (a) the fees paid by you to JIL Sovereign in the 12 months preceding the claim, or (b) USD $500.

The limitations in this section do not apply to liability arising from gross negligence, willful misconduct, or fraud by JIL Sovereign, or to the extent such limitations are prohibited by applicable law.

15. Indemnification

You agree to indemnify, defend, and hold harmless JIL Sovereign Technologies, Inc., its directors, officers, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Services;
• Your violation of these Terms or any applicable law;
• Your violation of any third party's rights;
• Any content or data you submit, post, or transmit through the Services.

16. Termination and Suspension

We may suspend or terminate your access to the Services, in whole or in part, at any time and for any reason, including but not limited to:

• Violation of these Terms or any applicable law;
• Failure to complete required identity verification;
• Suspicious or fraudulent activity;
• Regulatory directive or court order;
• Extended inactivity (accounts inactive for more than 24 months).

Upon termination, you retain the ability to withdraw your assets using your own key shards, subject to applicable legal holds or regulatory restrictions. We will provide reasonable notice before termination except where immediate action is required to protect the platform, other users, or comply with legal obligations.

17. Dispute Resolution

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or validity thereof, shall first be submitted to good-faith negotiation between the parties for a period of 30 days. If the dispute cannot be resolved through negotiation, it shall be submitted to binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The seat of arbitration shall be Wilmington, Delaware. The language of arbitration shall be English.

Class Action Waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not as a class, consolidated, or representative action. If this class action waiver is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.

18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles. For matters not subject to arbitration, the courts of the State of Delaware shall have exclusive jurisdiction.

19. Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated to you via email or prominent notice on the platform at least 30 days before the effective date. Your continued use of the Services after the effective date of any modification constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must discontinue use of the Services.

20. Severability and Waiver

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable while preserving its original intent.

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. A waiver of any term shall not be deemed a continuing waiver of such term or any other term.

21. Contact Information

If you have any questions about these Terms, please contact us:

JIL Sovereign Technologies, Inc.
Email: support@jilsovereign.com
Wilmington, Delaware (Incorporated Headquarters)
Hubs: Texas · Switzerland · UAE · Singapore