Plain-language terms, privacy and disclaimers.
We try to write legal pages a normal human can read. If anything below is unclear, mail [email protected] and we'll clarify in plain English.
On this page
The license agreement you accept when you install
Published by UTXO Core Labs (Huri's, Stuttgart, Germany). Governing law: Federal Republic of Germany. Jurisdiction: Stuttgart, Germany — without prejudice to mandatory consumer protection rules in your country of residence.
Terms of Service
By installing or using UTXO Suite, UTXO Office, UTXO Business OS, UTXO Hospitality OS, UTXO Guard, or any associated component ("the Software"), you agree to the following terms.
1. License grant
The Software is licensed, not sold. UTXO Suite grants you a non-exclusive, non-transferable, revocable license to use the Software for personal or business operations during the term of an active subscription (where required).
2. Subscription & refunds
Subscriptions are charged monthly or annually as selected. Annual subscriptions are refundable pro-rata within 14 days of purchase. Monthly subscriptions cancel at end-of-period — no pro-rata refund.
3. Acceptable use
You may not: (a) reverse-engineer the Software except where local law explicitly permits; (b) redistribute it as if it were your own; (c) use it to enable, conduct or assist illegal activity; (d) use the SafeSign analysis kernel to falsely certify malicious dApps.
4. Warranty & liability
The Software is provided "AS IS" without warranty of any kind. UTXO Suite's total liability for any claim, in aggregate, shall not exceed the amount paid for the Software in the 12 months preceding the claim.
5. Termination
You may terminate by uninstalling and cancelling any active subscription. We may terminate for breach of these terms with reasonable notice.
6. Governing law
These terms are governed by the laws of the jurisdiction stated in the order receipt. Disputes resolved via good-faith negotiation first, then binding arbitration.
Privacy Policy
The shortest version: we collect the minimum we need to bill you and respond to support. Your documents, your vault, your wallet data — those stay on your machine.
What we collect
- Account info — email and (optionally) company name. Used for receipt, license delivery and support.
- Billing info — when you check out via UTXO Pay, the settlement transaction hash + reference price + plan SKU. No wallet contents, no full chain history.
- Diagnostic data — opt-in only. Off by default. Even when on, redacted client-side.
What we don't collect
- The contents of any UTXO Office document
- The records inside your Business OS or Hospitality OS vault
- Your seed phrase, private keys or any wallet credentials
- Telemetry from Guard's signal log (it stays in
chrome.storage.local) - Analytics on which dApps you visit or which transactions you sign
How long we keep it
Account and billing info: as long as you have an active subscription, plus 7 years for tax-record compliance. You can request earlier deletion subject to legal retention obligations.
Sub-processors
Cloudflare (CDN), the email provider used to send receipts. No data sub-processors for documents or wallet activity, because that data never reaches us in the first place.
Your rights
Per GDPR / CCPA / LGPD: request access, correction, deletion, portability of your account data by mailing [email protected]. We respond within 30 days.
Security Disclaimers
UTXO Suite makes architectural claims, not outcome guarantees. The difference matters.
What we claim
- Non-custodial by design: no server-side storage of seed phrases, private keys or password material
- Local-first: documents, vaults and Guard activity logs stay on the device
- SafeSign decodes wallet requests before they reach the wallet signing popup
- No auto-sign and no auto-broadcast — every sensitive action needs your explicit confirmation
- Source-available for security-critical components on a documented roadmap
What we do NOT claim
- That UTXO Suite makes you immune to phishing
- That Guard blocks all malicious transactions (Guard warns; you confirm)
- That Security Core catches every possible signal — analysis is heuristic
- That a typosquat domain is the same as the legitimate domain even if Guard flags it
- That the wallet is invulnerable (UTXO Wallet release is gated on external audit)
Crypto & Payments
UTXO Pay is a checkout layer that routes payments via Vestige Index. We never custody funds. Payments are signed by the customer's own wallet and settled on-chain or via stablecoin rails.
- Reference prices are anchored in USD. The crypto amount is quoted at checkout time and the user signs that specific amount.
- Refunds are processed in the same asset as payment within 14 days for annual plans (pro-rata).
- Tax and VAT, where applicable, are the customer's responsibility. The receipt includes the VAT-relevant fields when configured.
- Subscriptions are not investment products. There is no expectation of profit from holding any UTXO-related token.
AI Disclaimers
UTXO AI is a Bring-Your-Own-Key assistant. You supply the provider key; the AI runs against your account, not ours.
- AI-generated output is suggestion, not advice. It is not legal, financial, medical or regulatory counsel.
- You are responsible for reviewing every AI-generated artefact before relying on it.
- Wallet data, seed phrases and private keys never reach the AI provider. This is enforced in code.
- Redaction is on by default. You can review what was sent in the audit log after every call.
- Local providers (Ollama) keep AI features working with zero network traffic.
Legal & press contacts
- Legal: [email protected]
- Privacy: [email protected]
- Security disclosures: [email protected] (PGP key on request)
- Press: [email protected]
- Partners: [email protected]
Last updated: 2026-05-18 · v1.0