Términos de uso

1. What you are agreeing to

Smartable Wallet is self-custody software that runs on your device. By installing or using Smartable Wallet, you agree to these Terms of Use. If you do not agree to these terms, do not install or use the software.

These terms are between you and the publisher of Smartable Wallet.

Publisher details

Publisher: individual developer A. Shapialevich
Legal form: Sole proprietor operating within the limits of unregistered business activity (działalność nierejestrowana) as defined in Article 5(1) of the Polish Entrepreneurs’ Law Act of 6 March 2018 [1].
Registered or business address: A postal address will be published here when available. Until then, the publisher operates as an individual under Polish law, within the limits of unregistered business activity (działalność nierejestrowana), and may be contacted via the email address above. This does not limit any rights you have as a consumer.
Email: hello@getsmartable.appCopiar
Website: https://getsmartable.app

If the publisher is operating as an individual before incorporation of a legal entity, the publisher’s legal and business details will be updated when applicable. This does not limit any rights you have as a consumer.

Smartable Wallet is intended for users aged 18 or older.

2. Self-custody

Smartable Wallet is designed as self-custody software.

Your recovery phrase, private keys, passwords and signing credentials are generated, stored and used on your device or through a signing device that you control. Smartable is not provided with your recovery phrase, private keys, password or signing keys.

Smartable does not:

• hold your crypto-assets for you;
• control your private keys;
• control your recovery phrase;
• control your wallet addresses;
• access or move your crypto-assets;
• act as a custodian;
• recover a wallet when the required recovery credentials have been lost.

Transactions are prepared and signed using credentials controlled by you. After you approve a transaction, the signed transaction or signed authorisation may be sent to a blockchain node, relay, third-party provider or protocol for broadcast or processing.

A signed transaction does not contain your private key, recovery phrase or password. However, a signed transaction or signed authorisation may permit the movement of crypto-assets and may be irreversible.

Because of this design:

• Smartable cannot reverse, cancel, freeze or recover a confirmed blockchain transaction;
• Smartable cannot restore your wallet if you lose the required recovery credentials;
• Smartable cannot access or move your crypto-assets;
• you are responsible for checking every transaction before signing;
• you are responsible for maintaining an adequate backup.

Self-custody does not eliminate blockchain risks. Transactions may fail, revert, be delayed, be processed differently than expected or become irreversible once confirmed.

Important: Before signing, carefully check the network, recipient, asset, amount, permissions, provider, route, fees and expected result. A confirmed transaction, token approval, permit or other blockchain authorisation may be irreversible and may result in permanent loss of crypto-assets. Interactions with smart contracts, dApps and bridge contracts may expose you to malicious code, excessive permissions, oracle failures, contract exploits, unexpected execution and permanent loss of crypto-assets. A security warning or successful simulation does not guarantee that a contract or transaction is safe.

Blockchain transparency and irreversibility

Blockchain addresses, balances, token holdings and transaction activity may be public or publicly derivable from the relevant blockchain.

Once a transaction has been confirmed on the relevant blockchain, it is generally final. Smartable cannot alter, cancel, reverse, erase or recover a confirmed transaction or the crypto-assets involved.

Before confirmation, a transaction may fail, be rejected, expire, be replaced where the relevant network permits, or remain pending. A submitted or signed transaction is therefore not necessarily completed, but a confirmed transaction may be irreversible.

Some supported networks, such as Zcash, offer optional privacy features. Depending on the network, transaction type and privacy settings selected by the user, certain transaction details, balances or asset holdings may not be publicly visible or publicly derivable. Smartable does not control, enable or disable a network's privacy features and does not guarantee the privacy, anonymity or confidentiality of any transaction. The visibility of information is determined by the relevant network, transaction type, wallet configuration and user choices.

3. What Smartable provides

Smartable provides wallet software, user interfaces and related technical integration features.

The software may:

• generate or import self-custody wallets;
• display balances, asset information and transaction history;
• prepare transactions for your review;
• obtain quotes and route information from third-party providers;
• display available swap or bridge routes;
• provide security checks and warnings;
• connect to blockchain nodes, relays and third-party services;
• support hardware-wallet signing;
• support WalletConnect or other dApp connection protocols;
• support optional encrypted and split backup features;
• provide optional integrated swap, bridge, on-ramp and off-ramp features;
• offer an optional Agent Wallet, and prepare a text of public addresses you choose for you to share with an AI tool (Analyze with AI).

Smartable does not intend to:

• take custody of your crypto-assets;
• control or safeguard your private keys;
• operate a trading platform or order book;
• provide liquidity;
• act as a market maker;
• act as the buyer, seller or counterparty to your trade;
• receive your crypto-assets for later delivery or return;
• guarantee execution, settlement, price or availability;
• provide investment, financial, legal or tax advice;
• manage your portfolio or make investment decisions for you;
• sign a transaction or authorisation on your behalf;
• receive, submit, transmit or place an order with a provider, protocol or relayer on your behalf.

The application may display blockchain data, token information, prices, quotes, route data, transaction data and security information. Such information may be incomplete, delayed, inaccurate, unavailable or affected by third-party errors.

This section describes the intended technical and commercial operation of the software. It is not a binding determination of the publisher’s regulatory status.

Whether an activity is regulated depends on the actual service, technical implementation, commercial arrangement, user flow and applicable law. The publisher will not intentionally provide a service requiring authorisation, registration or another legal basis unless the required authorisation, registration or legal basis has been obtained.

Agent Wallet

The application may offer an Agent Wallet: a separate self-custody wallet with its own recovery phrase, holding only the crypto-assets you choose to move into it. The name does not mean that an AI tool owns or controls the wallet.

Smartable does not connect an AI tool or external agent to the Agent Wallet and does not give one signing authority or a channel for requesting transactions. The Agent Wallet does not sign or execute transactions on its own: as in any other wallet in the application, every transaction needs your confirmation. It has no AI-specific policy or permission feature. If you choose to connect it to a dApp over WalletConnect, that connection works, and may be limited, exactly as it does for any other wallet.

If you choose, you may share selected public addresses of an Agent Wallet through Analyze with AI, in the same way as addresses from any other wallet. Any analysis by an AI tool takes place outside Smartable.

4. Third-party providers and protocols

Smartable may connect you to independent third-party providers, protocols, solvers, bridges, liquidity venues, blockchain networks and other services.

Potential providers and protocols may include:

• swaps, bridges and route services: 0x, LI.FI, THORChain, Jupiter and other providers;
• network-specific swap services: STON.fi, Stellar network liquidity, xExchange, Vestige, Sirius and other providers;
• crypto purchases: Coinbase and other providers;
• blockchain data: Infura, Alchemy, Blockchair, BlockCypher, Haskoin, public nodes and other providers;
• price and asset data: CoinGecko, Coinbase, Kraken, DefiLlama, ExchangeRate-API and other providers;
• infrastructure and hosting: Cloudflare and other providers;
• encrypted backup: Google Drive, MEGA, Backblaze B2 and other providers.

This list may change as providers are added, removed or replaced.

Each third-party provider operates under its own terms, privacy policy, fees, restrictions and regulatory arrangements.

Depending on the feature, a provider may require you to:

• enter into a separate agreement;
• accept the provider’s terms;
• use the provider’s own interface;
• complete identity verification;
• provide information directly to the provider;
• comply with geographic or eligibility restrictions.

Smartable does not guarantee:

• the availability of a provider;
• a provider’s solvency or continued operation;
• a quote or exchange rate;
• a route;
• the availability of liquidity;
• execution or settlement;
• the final amount received;
• a provider’s compliance, licence or regulatory status;
• the operation of a provider’s refund or recovery process.

You should review the relevant provider, route, fees, slippage, destination details, risks and expected result before confirming a transaction.

5. Swaps and bridges

A swap or bridge is an optional feature. You may use Smartable Wallet to create, hold, send and receive crypto-assets without using the swap or bridge features.

For an optional swap or bridge:

• the application may request quotes or route information from independent providers or protocols;
• Smartable may show routes or providers that are available through the application and that pass applicable technical, security and route-policy checks. Availability may change due to provider responses, liquidity, supported networks, route-policy restrictions, sanctions controls, security incidents and technical conditions;
• the application does not rank, recommend or select a route or provider for you;
• you select a provider explicitly before a route or transaction is prepared;
• if the provider you selected fails or becomes unavailable, the application does not substitute another provider;
• you must review the displayed transaction before signing;
• signing takes place through your device, hardware wallet or another supported signing method;
• the blockchain, provider or protocol determines whether the transaction succeeds;
• a failed or reverted transaction may still incur network fees;
• a cross-chain operation may involve more than one transaction and more than one network;
• a cross-chain operation may take longer than a same-chain transaction;
• a route may become unavailable after a quote has been generated.

The application offers a bridge only where smart contracts, a protocol's vaults or a burn-and-mint mechanism hold your crypto-assets while they are in flight. It does not offer a swap or bridge route in which an exchange operator or bridge operator takes custody of your crypto-assets while the swap or transfer runs. These mechanisms still carry smart-contract, validator and protocol risks that are outside Smartable's control.

A displayed amount may be:

• a minimum amount for a same-chain route;
• an estimate for a cross-chain route;
• an amount affected by slippage;
• an amount affected by price impact;
• an amount affected by network fees;
• an amount affected by destination-chain gas;
• an amount affected by provider or protocol conditions.

The application will identify whether the displayed output is a minimum, an estimate or another type of quote where that distinction applies.

Market-value comparison

Before you confirm a swap or bridge, the application may compare the value of what you would receive against the value of what you would pay, using price data from sources independent of the selected provider. The result is displayed as a percentage difference.

This comparison:

• includes the Smartable fee, provider and protocol fees and the effect of the trade on the price, so a difference is not by itself evidence of a fault;
• is based on third-party price data, which may be delayed, incomplete or wrong, and is an indication rather than a valuation;
• is not performed where the application holds no independent price for one of the two assets, in which case it is displayed as not checked. A missing comparison is not a statement that a route is sound.

Where the difference is large, the application shows a warning; above a threshold set in the application it additionally requires you to confirm that you have understood the difference; and above a further threshold the application does not sign the transaction. These thresholds are a safety feature of the application, may change between versions, and are applied by your device. They do not make Smartable a party to your trade, do not constitute advice, and do not guarantee that a trade which passes them is favourable to you.

Smartable does not guarantee that a swap or bridge will:

• execute at the displayed rate;
• complete successfully;
• complete within the displayed time;
• deliver the displayed amount;
• return funds after a failed cross-chain operation;
• remain available until you sign.

6. Fees

6.1 Free wallet functions

Creating, importing, holding, receiving and sending crypto-assets through the Smartable Wallet software are free of charge from Smartable.

Blockchain network fees may still apply when you initiate or authorise a transaction. Network fees are determined by the relevant blockchain and may include gas fees, miner fees, validator fees, sequencer fees, priority fees or other network charges.

6.2 Smartable software and interface fee

For optional swaps, bridges and other integrated features, Smartable may charge a fee for the use of the Smartable Wallet software, user interface, technical integrations, transaction preparation, security checks and related functionality.

The Smartable software and interface fee compensates the publisher for providing and maintaining the software and related technical functionality.

The Smartable software and interface fee is separate from any amount attributable to an independent third-party provider, protocol, solver, bridge, liquidity venue or blockchain network.

The Smartable software and interface fee does not create a custody relationship and does not give Smartable access to your recovery phrase, private keys, password or other crypto-assets.

6.3 Total service-related fee

For an optional swap, bridge or other integrated route, the application may display one total service-related fee.

The total service-related fee may include:

• the Smartable software and interface fee;
• an applicable amount attributable to an independent third-party provider;
• an applicable protocol, solver, bridge or liquidity-venue component.

The third-party component is included within the total service-related fee and is not charged on top of the applicable fee limit.

Where the source amount can be valued reliably, the total service-related fee will be calculated as the greater of:

• 0.75% of the traded amount; or
• USD 0.50, where the minimum applies.

For purposes of this section, “traded amount” means the fiat equivalent of the gross amount of the source asset specified in the relevant quote before deduction of the total service-related fee, unless the application expressly states otherwise.

For example:

• if 0.75% of the traded amount is USD 0.75, the total service-related fee will be USD 0.75;
• if 0.75% of the traded amount is USD 0.20 and the minimum applies, the total service-related fee will be USD 0.50;
• if 0.75% of the traded amount is USD 7.50, the total service-related fee will be USD 7.50.

The 0.75% / USD 0.50 limit applies to the combined Smartable and applicable third-party components.

The 0.75% / USD 0.50 limit does not include blockchain network fees or other costs imposed directly by a blockchain network unless the application expressly states otherwise.

6.4 Fee components and disclosure

The total service-related fee will be shown before you sign whenever the relevant route is available.

For some routes, the applicable quote can only be obtained immediately before signing. In that case the application will identify the step as a further review rather than as a confirmation, and the total service-related fee and the expected result of that quote will be shown on that review, before any transaction or authorisation is signed.

Where reliable information is available, the application will display the following components separately:

• Smartable software and interface fee;
• third-party provider or protocol component;
• blockchain network fee;
• destination-chain or other network-related costs;
• other route-specific costs.

The application may also display a combined amount for the Smartable and third-party components. This combined amount is the total service-related fee for the route and is not an additional charge.

Where a third-party provider or protocol does not provide a reliable separate fee breakdown, the application may display the total service-related fee without attributing an exact amount to the third-party component.

In that case, the application may state that the displayed total includes applicable Smartable and third-party components.

Smartable will not knowingly present the third-party component as an additional fee charged on top of the disclosed total service-related fee.

Where an amount is estimated, unavailable or subject to change, the application may identify it as estimated, unavailable or subject to change rather than presenting it as a fixed amount.

6.5 Calculation of fees

The equivalent fiat value of the traded amount is calculated using pricing information available when the relevant quote is generated.

Prices, quotes, exchange rates, provider costs and route availability may change or become unavailable before you confirm a transaction.

The minimum fee applies only where the traded amount can be valued reliably using the pricing information available at the time of the quote.

If the traded amount cannot be valued reliably:

• the USD 0.50 minimum may not apply;
• the application may show an applicable percentage-based fee where it can be calculated reliably;
• the route may be unavailable;
• the application may show that the fee cannot be calculated reliably.

The final amount of crypto-assets received may be affected by:

• the quoted exchange rate;
• provider conditions;
• slippage;
• price impact;
• network fees;
• destination-chain costs;
• route execution;
• provider or protocol deductions;
• changes in market conditions.

6.6 Third-party providers and protocol costs

Independent providers, protocols, solvers, bridges and liquidity venues may charge their own:

• fees;
• spreads;
• commissions;
• protocol costs;
• solver costs;
• withdrawal fees;
• destination-chain costs;
• liquidity costs;
• other charges.

The third-party component may be calculated by, paid to or retained by the relevant independent provider or protocol under its own terms and policies.

Where the third-party component is included in the quote presented by the application, it is included in the total service-related fee and is not added on top of the stated 0.75% / USD 0.50 limit.

A provider may include its costs in an exchange rate, spread or final output rather than displaying a separate fee line.

Where a provider does not disclose a separate component, Smartable may show the total service-related fee and state that provider or protocol costs are included.

6.7 How Smartable is paid

Smartable receives its own software and interface fee revenue, as described in section 6.2. It is the Smartable component of the total service-related fee and nothing further is charged for the route.

Where a third-party component applies, it is calculated by, paid to or retained by the relevant independent provider or protocol under its own arrangements. It is included within the total service-related fee and is not charged on top of the stated 0.75% / USD 0.50 limit.

The application does not rank or select a route or provider for you, so no consideration payable to Smartable can influence which provider is used. The order in which providers are listed is fixed and does not change with price.

If Smartable begins to receive revenue share, referral compensation, affiliate compensation, rebates or other consideration from an independent third-party provider in connection with an integrated route, these Terms will be updated and an appropriate disclosure will be provided in the application before you sign. Any such consideration would not increase the total service-related fee disclosed to you or be charged on top of the applicable 0.75% / USD 0.50 limit.

6.8 Blockchain network fees

Blockchain network fees are separate from the total service-related fee.

They are determined by the relevant blockchain or network participants and may vary depending on:

• network congestion;
• transaction size;
• transaction type;
• gas settings;
• validator conditions;
• miner conditions;
• sequencer conditions;
• route structure;
• destination-chain requirements.

Network fees may include:

• gas fees;
• miner fees;
• validator fees;
• sequencer fees;
• priority fees;
• destination-chain fees;
• Bitcoin transaction fees;
• fees for additional transactions required by a route;
• provider or protocol network costs.

Network fees are not controlled by Smartable and are not part of the Smartable software and interface fee.

Where possible, the application will show a network fee figure before you sign. An estimate is not a guarantee of the final network cost.

On networks that charge for the resources a transaction actually consumes, the figure shown is a maximum rather than a prediction. The application will identify it as such, and unused gas is normally not charged.

Where a reliable figure is unavailable, the application will say so rather than displaying a zero network fee.

A route may require more than one transaction — for example a token approval before a swap, or a separate Smartable fee transfer. Each transaction carries its own network fee. Where the figure shown covers only one of them, the application will identify the others rather than presenting a single figure as the total network cost of the route.

6.9 Fee treatment within a route

Depending on the route and the technical limitations of the relevant network or provider, the total service-related fee may be:

• deducted from the source amount;
• reflected in the quoted output;
• included in the route quote;
• paid through a separate transaction;
• handled through another route-specific mechanism.

The application will show the applicable fee treatment before you sign where the relevant information is available.

6.10 Separate Smartable fee transaction

On some networks, technical limitations may require the Smartable software and interface fee to be paid through a separate transaction.

If a separate fee transaction is required, the application will show, before signing:

• the network;
• the recipient address;
• the asset;
• the amount;
• the estimated blockchain network fee;
• whether the transaction is separate from the main swap or bridge transaction.

You must explicitly authorise the separate transaction from your device or supported signing method.

The separate transaction may incur a separate blockchain network fee. That network fee is determined by the relevant blockchain and is not an additional Smartable software and interface fee.

Smartable will not knowingly request a separate Smartable fee transaction for an amount exceeding the disclosed Smartable component of the total service-related fee.

If the applicable fee cannot be calculated reliably or the applicable fee limit would be exceeded, the route may be unavailable.

6.11 User review and route selection

Before you sign an optional swap, bridge or other integrated feature, the application may display:

• the routes or providers available through the application for that trade, which are the ones that pass applicable technical, security and route-policy checks, and the state of any that did not answer;
• the relevant provider or protocol, identified as selected by you;
• the source asset and amount;
• the expected amount received;
• the minimum amount received, where applicable;
• the Smartable software and interface fee;
• the third-party component, where available;
• blockchain network fee estimates;
• slippage or price-impact information;
• the destination address;
• the destination network;
• the expected duration;
• quote expiry information;
• applicable warnings or security information.

Where a route is available, the application requires you to select a provider explicitly before it prepares a route or a transaction. No provider is selected by default, and no provider is presented as best, recommended or optimal.

Where only one provider is available for a pair or network, the application will state that it is the only available provider in that version rather than presenting it as the result of a comparison.

The application does not perform best execution and does not represent that a displayed route is the best available in the market.

Your selection applies to the quote it was made against. If the quote expires, or if the provider, quote, route, amount, fee, recipient or spender changes materially, the selection is cleared and you are returned to the available offers to choose again. The application does not switch you to another provider automatically.

An approval, a permit and a swap are separate decisions with separate confirmations. The application does not combine an approval and a swap into a single confirmation.

You are responsible for reviewing the displayed transaction, route, provider, destination, asset, amount, fees and expected result before signing.

6.12 User-controlled signing and broadcasting

Smartable does not sign a transaction or authorisation on your behalf.

A transaction or authorisation may be signed only after you approve the relevant request using:

• your device;
• a hardware wallet;
• a supported signing method;
• another wallet or signing device connected by an approved protocol.

After you sign, the signed transaction is broadcast to the relevant blockchain network by one of two paths:

• a send of a coin, token or NFT on any network, and a transaction you approve in the in-app dApp browser or over WalletConnect, is sent directly by the application to the network's public nodes and does not pass through Smartable's infrastructure;
• a swap, a bridge or cross-chain transfer, a token approval or its revocation and a separate payment of Smartable's fee are sent through Smartable's infrastructure, acting as a connection to blockchain nodes.

On Ethereum and BNB Smart Chain the transaction is by default passed, on both paths, to a private transaction relay, which hands it to block builders rather than announcing it in the public mempool, so that a pending transaction is harder to front-run. This can be switched off in the application's settings, does not apply to a network you have pointed at your own node, and the relays used are named in the Privacy Policy. On neither path is a transaction that went to a relay passed on to a public node: if the relay does not answer, the application tells you the result is not yet known and checks the network for it, rather than reporting a failure or sending it again. Sending publicly instead is your own choice, made by switching private broadcast off before another attempt. More generally, the application and Smartable's infrastructure send a signed transaction once and do not send it again after an unclear answer; where the result is not known, the application says so and does not offer to send it again from the same screen. Smartable does not receive an order from you, and does not submit, transmit or place an order with a provider, protocol or relayer on your behalf: a swap or bridge is a transaction your device signs and sends to the network, where the relevant protocol or smart contract executes it.

A signed transaction or authorisation may be irreversible, may fail or may be processed differently by the relevant blockchain or third-party service than you expected.

6.13 No additional undisclosed Smartable fee

Smartable will not knowingly charge an additional Smartable software and interface fee on top of the amount disclosed in the application before you sign.

The third-party component, where applicable, is included within the total service-related fee shown for the route and is not charged on top of the stated 0.75% / USD 0.50 limit.

This does not prevent blockchain networks, independent providers or protocols from imposing costs that are outside Smartable’s control and are disclosed separately or identified as estimated where possible.

6.14 Smartable fee revenue

Smartable may receive and hold its own software and interface fee revenue in cryptocurrency.

This revenue:

• belongs to Smartable;
• is not held for you;
• is not part of your wallet;
• is not client property held in custody;
• does not create a custody relationship;
• does not give Smartable access to your recovery phrase;
• does not give Smartable access to your private keys;
• does not give Smartable access to your password or other crypto-assets.

Smartable may process information about its own fee revenue for:

• accounting;
• tax;
• reconciliation;
• fraud prevention;
• security;
• support;
• legal compliance.

6.15 Consumers: the right of withdrawal

This section applies if you are a consumer — a natural person using Smartable Wallet for purposes outside your trade, business, craft or profession — to whom European Union consumer law applies, including the Polish Act of 30 May 2014 on consumer rights [3], which implements Directive 2011/83/EU on consumer rights [4].

The wallet itself. Installing Smartable Wallet and using its free functions (section 6.1) creates no obligation to pay. You may stop using the application and uninstall it at any time, without giving a reason and without any cost.

A swap, bridge or other integrated route that carries the Smartable software and interface fee is a separate service supplied at a distance each time you use it. It is performed in full, and at once, when the blockchain network executes the transaction you signed. Nothing remains for Smartable to perform after that moment.

Before you confirm such a route, the application shows, directly above the confirmation control, that confirming asks for the trade to be carried out now, and that once the network has carried it out any right to withdraw from it ends and it cannot be reversed. By confirming, you:

• expressly request that the service be performed immediately, before the 14-day period for withdrawal would otherwise end; and
• acknowledge that you lose the right of withdrawal once the service has been performed in full.

This corresponds to Article 16(a) of Directive 2011/83/EU and Article 38(1)(1) of the Polish Act on consumer rights. In addition, the value of the crypto-assets exchanged — and the fee, which is calculated from that value — depends on fluctuations in a market that Smartable does not control and that may occur within the withdrawal period; where that circumstance applies, the right of withdrawal does not arise (Article 16(b) of the Directive; Article 38(1)(2) of the Act).

Irreversibility is a separate matter. Independently of any right of withdrawal, a transaction executed on a blockchain cannot be reversed by Smartable, by the provider or by you (section 2).

Where a right of withdrawal exists and has not been lost, you may exercise it within 14 days by sending a clear statement to hello@getsmartable.app. You may use the model form below, but you do not have to. If you believe a Smartable fee was charged for a route that the network did not carry out, contact us in the same way; this does not depend on any right of withdrawal.

Model withdrawal form (complete and return this form only if you wish to withdraw from the contract) — To: the publisher named in section 1, hello@getsmartable.app — I hereby give notice that I withdraw from my contract for the provision of the following service: … — Concluded on: … — Name of consumer: … — Address of consumer: … — Date: …

Nothing in this section limits any right you have as a consumer under mandatory law.

7. No investment, financial, legal or tax advice

Nothing in the application, website, documentation, quote, route information, token information, price information, security warning or other Smartable material constitutes investment, financial, legal or tax advice.

Prices, quotes, routes, token information, risk indicators and security information are provided for information only. They may be:

• incorrect;
• incomplete;
• delayed;
• unavailable;
• affected by third-party information;
• affected by blockchain conditions;
• affected by market movements.

You are solely responsible for deciding whether to:

• buy;
• sell;
• swap;
• bridge;
• send;
• receive;
• hold;
• stake;
• sign;
• connect to a dApp;
• approve a token allowance;
• use a provider or protocol.

Analyze with AI

Analyze with AI prepares a text containing a short introduction, the analysis task you choose, and the public blockchain addresses and networks you select — never a balance, a wallet or account name, an extended public key or anything secret. You can review the text before sharing it. Smartable does not send it to an AI provider and does not receive the provider's response. If you use your device's share sheet or copy the text, you choose where to send or paste it.

Sharing a public address with an AI service may link your account with that service to the address and its publicly visible on-chain activity. The service may process the text under its own terms and privacy policy. Smartable does not control or verify any analysis, recommendation or conclusion that the service produces. Review its output independently before deciding whether to take any action in your wallet.

Token verification

Smartable may display a verification badge next to an asset.

The badge indicates that the asset:

• is a native network coin;
• has been added to our trusted list; or
• is recognised by at least two independent token registries.

These are the only three routes to the badge. One registry listing a contract is not enough for it.

The badge is informational only. It is not:

• an endorsement;
• a recommendation;
• investment advice;
• a guarantee of legitimacy;
• a guarantee of security;
• a guarantee of value;
• a guarantee that the asset is free from scams or malicious contracts.

8. Sanctions, restricted jurisdictions and lawful use

You must not use Smartable Wallet, any optional Smartable interface, or any integrated third-party route where your use is prohibited by applicable sanctions, export-control, anti-money-laundering, counter-terrorist-financing or other applicable law.

You represent that you are not a person or entity subject to applicable sanctions or listed as a prohibited or restricted party by a competent authority, including where applicable the European Union, the United Nations, the United States or another authority with jurisdiction over your use of the software.

You must not use Smartable Wallet to facilitate sanctions evasion, money laundering, terrorist financing, fraud or any other unlawful activity.

Certain optional features, including swaps, bridges, on-ramps, off-ramps, providers and routes, may be unavailable or restricted because of applicable law, sanctions controls, geographic restrictions, provider requirements, security controls or technical limitations.

Smartable may use IP-address-based geographic rules and a web application firewall (WAF) to restrict access to its website, APIs and optional Smartable-operated services where required or reasonably necessary for applicable legal restrictions, provider requirements, security or abuse prevention. These rules use the approximate location associated with the IP address presented to Smartable's infrastructure and do not establish a person's actual location, identity or legal eligibility.

These restrictions do not give Smartable control over your recovery phrase, private keys or crypto-assets held in your self-custody wallet. The absence of a technical restriction does not mean that your use of a feature is lawful.

Smartable may restrict, disable or decline an optional interface or third-party feature where this is required or reasonably necessary for legal compliance, sanctions controls, provider restrictions, security or abuse prevention. Smartable cannot freeze, seize, reverse or recover assets held in your self-custody wallet.

If you cannot make these representations truthfully, do not use the restricted feature or service.

9. Backup and recovery

You are responsible for maintaining a secure backup of your recovery credentials.

Smartable may offer standard recovery-phrase backup and optional split or encrypted cloud backup features.

Where the split backup feature is available, the application may create multiple encrypted shares under a threshold recovery scheme. For example, a 2‑of‑3 configuration may require any two valid shares to satisfy the configured recovery threshold.

The exact recovery requirements will be shown in the backup and restore flow.

Depending on the selected configuration:

• one share alone may not be sufficient for recovery;
• a password or passphrase may be required;
• metadata or version information may be required;
• a device-held share may be required;
• a cloud provider may store an encrypted share;
• Smartable may not be able to decrypt or reconstruct your backup.

You are responsible for:

• storing the required shares safely;
• storing the required password or passphrase safely;
• keeping shares in appropriate locations;
• checking that the backup was created correctly;
• testing recovery before relying on the backup;
• protecting shares from theft, destruction and unauthorised access.

Losing the required number of shares, password, passphrase or metadata may make recovery impossible.

Smartable does not guarantee that a backup can be recovered if:

• shares are damaged;
• shares belong to different backups;
• the password or passphrase is lost;
• the relevant provider is unavailable;
• the backup format changes;
• the required metadata is unavailable;
• the device-held share is lost;
• the recovery process is interrupted.

You should not store your recovery phrase or private keys in ordinary digital form, including screenshots, unencrypted files, email, messaging applications or synchronised cloud storage, unless you have assessed the risks.

10. Your responsibilities

You are solely responsible for:

• keeping your recovery phrase and password secret;
• maintaining a safe backup;
• keeping split-backup shares safe;
• protecting any backup password or passphrase;
• checking every address before signing;
• checking every amount before signing;
• checking the network before signing;
• checking token contracts before signing;
• checking the recipient before signing;
• checking the provider and route before signing;
• checking fees and slippage before signing;
• checking transaction warnings before signing;
• deciding which dApps, providers, protocols, contracts and tokens to use;
• complying with applicable tax laws;
• complying with applicable sanctions laws;
• complying with applicable financial and consumer laws;
• understanding that blockchain transactions may be irreversible;
• using Smartable only where it is lawful to do so.

You must not share your:

• recovery phrase;
• private key;
• wallet password;
• PIN;
• backup passphrase;
• encrypted backup credentials;
• hardware-wallet approval;
• signing authorisation.

Support will never ask you to provide these credentials.

11. Acceptable use

You may not use Smartable Wallet to:

• break applicable law;
• launder proceeds of crime;
• evade sanctions;
• finance terrorism;
• access another person’s wallet or credentials without permission;
• attack Smartable infrastructure;
• attack a third-party provider;
• interfere with the operation of a blockchain;
• interfere with a relay, protocol or provider;
• exploit a vulnerability;
• distribute malware;
• impersonate Smartable;
• distribute a modified wallet as an official Smartable application;
• use the application for fraudulent activity.

Smartable may disable, restrict or decline optional interfaces and third-party features where doing so is required by:

• applicable law;
• sanctions controls;
• provider restrictions;
• technical safety;
• security concerns;
• abuse prevention;
• infrastructure limitations.

Smartable cannot freeze or seize your self-custodied funds on-chain. The publisher does not control your keys or the blockchain addresses holding your assets.

12. Availability and warranties

The application and optional services are provided on a best-effort basis.

To the maximum extent permitted by law, Smartable does not guarantee that the application or any third-party feature will be:

• uninterrupted;
• error-free;
• available in every country;
• compatible with every blockchain;
• compatible with every device;
• compatible with every hardware wallet;
• able to display every asset;
• able to provide current prices;
• able to provide complete transaction history;
• able to provide current token metadata;
• able to provide a route;
• able to provide a quote;
• able to complete a transaction;
• able to recover a delayed or failed cross-chain transaction.

Blockchains are experimental and adversarial systems. Bugs, forks, congestion, reorganisations, invalid contracts, malicious contracts, scams, key loss, provider failures and third-party failures can cause permanent loss.

Your funds do not depend on Smartable continuing to operate. You may be able to restore your wallet in compatible self-custody software using your recovery phrase, subject to compatibility with the relevant networks, standards, derivation paths and wallet formats.

The software is provided “as is” to the maximum extent permitted by law.

13. Security features and limitations

Smartable may provide security features including:

• phishing-domain warnings;
• address validation;
• address-poisoning warnings;
• token approval monitoring;
• transaction simulation;
• typed-data review;
• permit and allowance warnings;
• device-integrity warnings;
• biometric or PIN protection;
• hardware-wallet support;
• screen-capture protection on supported platforms.

These features reduce certain risks but do not guarantee that a transaction, contract, token, provider, dApp or device is safe.

A successful simulation is not a guarantee that a transaction will succeed or produce the expected result. Blockchain state may change between simulation, signing and execution.

An unavailable simulation is not evidence that a transaction is safe or unsafe.

Security warnings may be incomplete, delayed, incorrect or unavailable.

A rooted, jailbroken, compromised or malicious device may alter what is displayed before signing or interfere with the application.

Where the application detects signs that the device is rooted or jailbroken, that its bootloader is unlocked, or that code has been injected into the application, it does not sign with keys kept on that device, does not connect to dApps, and does not create or import a recovery phrase or private key there. Your balances, addresses and history remain visible, and your existing recovery phrase remains available after your password and a warning. A hardware wallet may still send a network's own coin, which the hardware wallet's own screen displays in full. Detection runs on the device and may be incomplete or defeated: the absence of a finding does not mean the device is uncompromised, and a restriction does not make a compromised device safe.

You remain responsible for reviewing the transaction and approving only what you intend to sign.

Interactions with smart contracts, dApps, token approvals, permits and bridge contracts may expose you to malicious code, excessive permissions, oracle failures, contract exploits, unexpected execution and permanent loss of crypto-assets. A security warning or successful simulation does not guarantee that a contract or transaction is safe.

14. Limitation of liability

To the maximum extent permitted by law, Smartable is not liable for:

• loss of crypto-assets;
• loss caused by a lost recovery phrase;
• loss caused by a lost private key;
• loss caused by a lost password;
• loss caused by lost split-backup shares;
• loss caused by a lost backup passphrase;
• failed transactions;
• delayed transactions;
• reverted transactions;
• incorrectly addressed transactions;
• transactions sent to the wrong network;
• malicious contracts;
• malicious tokens;
• dApp attacks;
• phishing attacks;
• address-poisoning attacks;
• blockchain failures;
• validator failures;
• miner failures;
• sequencer failures;
• relay failures;
• provider failures;
• protocol failures;
• liquidity failures;
• bridge failures;
• loss of profit;
• loss of business;
• loss of data;
• indirect loss;
• consequential loss.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for:

• death or personal injury caused by negligence;
• fraud or fraudulent misrepresentation;
• mandatory statutory consumer rights;
• another liability that cannot lawfully be excluded or limited.

These terms do not affect your mandatory rights as a consumer.

15. Open-source code and trademarks

Smartable Wallet may include open-source software.

The relevant open-source licences apply to the code to which they refer. Those licences do not grant rights to use:

• the Smartable name;
• the Smartable Wallet name;
• the Smartable logo;
• the Smartable app icon;
• the Smartable domain;
• the Smartable application identifier;
• the Smartable URI scheme;
• Smartable branding.

Smartable, Smartable Wallet, the Smartable logo, the Smartable app icon, getsmartable.app, com.smartable.wallet and smartable:// are trademarks or identifiers of the publisher.

If you distribute a modified version of the code, you must:

• rename the application;
• remove Smartable branding;
• use your own application identifier;
• use your own URI scheme;
• avoid presenting the modified application as official Smartable software.

You may state that your work is derived from Smartable Wallet where permitted by the relevant open-source licence, but you must not distribute it in a way that could cause users to mistake it for the official application.

16. Governing law and disputes

These terms are governed by Polish law, subject to any mandatory consumer-protection laws that apply to you.

Disputes arising from or connected with these terms are subject to the courts of Poland, unless mandatory law gives you the right to bring proceedings in another jurisdiction.

If you are a consumer resident in the European Union or United Kingdom, you retain the protection of mandatory laws applicable in your country of residence and may bring proceedings where those laws allow.

You may contact the relevant consumer-protection authority or alternative dispute-resolution body available to you.

We encourage you to contact Smartable first so that we can try to resolve the matter.

17. Changes to these terms

We may update these terms.

Material changes will be identified by:

• a new version number;
• a new effective date;
• an announcement in the application or on the website where practicable;
• release notes where the change affects application behaviour.

Where required by law, we will request your renewed acceptance before applying the changed terms.

18. Contact

Questions about these terms should be sent to:

hello@getsmartable.appCopiar

Support will never ask for your:

• recovery phrase;
• private key;
• password;
• PIN;
• backup passphrase;
• full split-backup shares.

Any message asking for these credentials is not authorised by Smartable, regardless of the sender address.

Legal references

[1] Article 5(1) of the Polish Entrepreneurs’ Law Act of 6 March 2018 (ustawa Prawo przedsiębiorców).

[2] Regulation (EU) 2023/1114 of the European Parliament and of the Council of 31 May 2023 on markets in crypto-assets (MiCA):
EUR-Lex

[3] Polish Act of 30 May 2014 on consumer rights (ustawa o prawach konsumenta), in particular Articles 27 and 38(1).

[4] Directive 2011/83/EU of the European Parliament and of the Council of 25 October 2011 on consumer rights, in particular Articles 9 and 16:
EUR-Lex