Terms of Use

These Terms of Service (the “Terms”) form a legally binding agreement between you (“you,” the “user”) and Stolen Orbit LLC, a Delaware limited liability company doing business as Bank AI (“Stolen Orbit,” “Bank AI,” “we,” “us,” or “our”), governing your access to and use of the Bank AI mobile application, our websites, APIs, widgets, AI features, and any related services (together, the “Services”).

By creating an account, accessing, downloading, installing, or otherwise using the Services, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree with any part of these Terms, do not use the Services.

These Terms include important provisions that limit our liability, disclaim warranties, and - for users in the United States - require that disputes be resolved individually through binding arbitration and waive your right to participate in class actions, unless you opt out as described in Section 28. Please read carefully.

If you are using the Services on behalf of a company or other legal entity, you represent that you have authority to bind that entity to these Terms, and “you” means both you personally and that entity.

Stolen Orbit LLC. A Delaware limited liability company. Registered office: 8 The Green, Suite B, Dover, Delaware 19901, United States. Registered agent: Northwest Registered Agent Service, Inc. Contact: admin@stolenorbit.com.

Bank AI is a trade name of Stolen Orbit LLC. References to third-party brands in these Terms (such as Powens, MoonPay, Ramp Network, Privy, Magic, Dynamic, Anthropic, OpenAI, Google, Firebase, AppsFlyer, Meta, TikTok, Apple, and Google Play) are used for identification only and do not imply a partnership or formal relationship beyond any arrangements in effect at the time.

3.1 What the Services do

The Services allow you to:

• connect bank, card, payment, brokerage, investment, pension, and other financial accounts through third-party aggregation providers such as Powens, and view aggregated balances, transactions, holdings, and metrics;
• receive categorizations, budgets, analytics, alerts, simulations, educational content, and AI-generated outputs based on the data you connect and the information you submit;
• interact with crypto on-ramp, off-ramp, swap, custody, or wallet functionality provided by independent third-party partners such as MoonPay and Ramp Network, and - in the future - embedded-wallet providers such as Privy, Magic, or Dynamic;
• interact with an AI chat feature that can answer free-form questions about your financial situation based on the data available in your Bank AI account.

3.2 What the Services are not

Unless we expressly state otherwise in writing and are licensed or authorized to do so in the relevant jurisdiction, Bank AI is not:

• a bank, credit institution, deposit-taking institution, or electronic money institution;
• a payment institution, money transmitter, or money service business;
• a broker-dealer, investment adviser, portfolio manager, or financial adviser;
• a tax adviser, accountant, lawyer, or legal representative;
• a crypto-asset service provider, exchange, custodian, or wallet provider;
• a rating agency, benchmark administrator, or market maker;
• your fiduciary, agent, trustee, or attorney-in-fact.

Bank AI is a software platform that displays information you authorize, produces analytics, and - for AI features - sends your data to third-party AI providers to generate informational responses. The regulated activities accessible through the Services (payment initiation, account information, brokerage execution, crypto purchase, custody, wallet operation, identity verification) are performed by independent third parties under their own terms and licenses.

3.3 Geographic availability

At launch, the Services are available only to users located in the European Economic Area and the United Kingdom. We may expand availability to other jurisdictions (including the United States, Canada, Australia, and other markets) in the future. We may restrict, disable, or withdraw access to the Services or to specific features at any time for legal, regulatory, risk, fraud, sanctions, security, technical, or commercial reasons.

You may use the Services only if:

• you are at least 18 years old (or, if higher, the age of majority in your jurisdiction);
• you have full legal capacity to enter into binding agreements;
• you are not located in, ordinarily resident in, or a national of a country or territory subject to comprehensive sanctions administered by the United States (including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, Luhansk, Zaporizhzhia, and Kherson regions of Ukraine, as applicable), the European Union, the United Kingdom, or the United Nations;
• you are not listed on any sanctions, denied-party, or terrorist-financing list maintained by the United States (including the OFAC Specially Designated Nationals and Blocked Persons list), the European Union, the United Kingdom, or the United Nations;
• you are using the Services only for lawful, personal, non-commercial purposes, unless we have authorized other use in writing;
• you have not previously been suspended or terminated from the Services;
• all information you provide to us is true, current, complete, and not misleading.

The Services are not directed to persons under 18. If we learn we have collected personal data from a minor, we will delete it as described in our Privacy Policy.

You are responsible for determining whether your use of the Services is lawful in your jurisdiction and for obtaining any permissions or consents needed from third parties (for example, joint account holders).

5.1 Account creation

To use the Services you must create an account. You must provide accurate registration information and keep it up to date. You may authenticate using an email address, single sign-on, passkeys, or other methods we make available.

5.2 Account security

You are responsible for safeguarding your credentials, device, email account, authentication factors, and recovery methods, and for all activity conducted under your account unless and until you notify us of a compromise and we have had a reasonable opportunity to act.

You agree to:

• use strong, unique credentials and enable all available security features (including multi-factor authentication and device biometrics);
• not share your account with any other person, sell your account, or permit unauthorized access;
• not create multiple accounts to evade restrictions or abuse promotional offers;
• promptly notify us at admin@stolenorbit.com if you suspect unauthorized access, loss of credentials, device theft, or any other security incident.

We are not liable for losses resulting from your failure to protect your account, except as required by mandatory consumer-protection law.

5.3 Account closure

You may close your account at any time through in-app settings or by contacting admin@stolenorbit.com. Some obligations survive termination (see Section 22).

6.1 How connections work

You may link one or more financial accounts (bank, card, payment, brokerage, investment, pension, or other supported accounts) to the Services through third-party aggregation providers such as Powens. By initiating a connection, you instruct and authorize Bank AI and the aggregator to access, retrieve, refresh, process, store, and display data from that account on your behalf.

6.2 Your representations

By connecting an account, you represent and warrant that:

• you are the lawful holder of the account or are otherwise fully authorized to access it and to share its data;
• the credentials or authorization tokens used in the connection flow are your own (or you are acting with explicit authorization);
• you will not connect an account belonging to a third party without their consent and all necessary rights;
• you will comply with the terms of your agreement with the financial institution holding the account.

6.3 How the aggregator relationship works

Third-party aggregators operate under their own licenses (including PSD2 account-information service provider authorizations, where applicable) and under their own terms and privacy notices, which you may be required to accept directly within the connection flow. They are not our agents for regulated account-information activity, and we do not control their operations. Aggregator terms and privacy notices apply between you and the aggregator, in addition to these Terms.

6.4 Accuracy, completeness, availability

Aggregated data depends on third-party institutions and providers. You acknowledge that:

• data may be delayed, incomplete, duplicated, miscategorized, stale, formatted in different ways, or temporarily unavailable;
• connections may require periodic re-authentication for regulatory, institutional, or technical reasons;
• we do not verify the accuracy of data provided by third-party institutions;
• we may lose access to a connection if you change credentials, revoke authorizations, close the account, or if the institution terminates the integration.

The data displayed in Bank AI is for informational purposes only and is not an official statement. Always verify critical figures (balances, holdings, transactions, performance, tax data) against your financial institution’s official statements.

Bank AI may display holdings, positions, valuations, cost basis, performance, allocation, risk metrics, and similar information for brokerage, investment, and pension accounts you connect.

These features are for informational and educational purposes only. Unless we expressly state otherwise:

• we do not execute trades, route orders, recommend trades, or determine suitability;
• we do not guarantee the accuracy of investment data, prices, valuations, cost basis, tax lots, FX rates, corporate actions, dividends, or performance calculations;
• displayed metrics may rely on assumptions, estimates, delayed market data, or incomplete transaction histories;
• displayed information is not an official statement, tax document, brokerage confirmation, or regulatory disclosure;
• nothing in Bank AI constitutes regulated investment advice, a suitability determination, or a fiduciary recommendation.

You are solely responsible for verifying investment information with your broker, custodian, adviser, or other qualified professional before acting.

8.1 Crypto services are provided by third parties

Any on-ramp (buying crypto with fiat), off-ramp (selling crypto for fiat), swap, custody, wallet, settlement, identity verification, or blockchain transaction made available through the Services is provided by independent third parties, which at launch include MoonPay and Ramp Network, and may in the future include embedded-wallet providers such as Privy, Magic, Dynamic, or their successors, together with their affiliates, processors, and counterparties (each, a “Crypto Partner”).

When you use a crypto feature, you are entering into a separate legal relationship with the relevant Crypto Partner. The Crypto Partner’s terms, privacy notice, fee schedule, risk disclosures, and KYC/AML requirements apply directly between you and them, in addition to these Terms. Those terms may, for example, require identity verification, impose transaction limits, allow the Crypto Partner to reject, delay, reverse, freeze, or report transactions, and disclaim warranties and liabilities.

8.2 Bank AI is not a crypto-asset service provider

Unless we expressly state otherwise, Bank AI:

• is not a crypto-asset service provider, exchange, broker, custodian, wallet provider, issuer, or money transmitter;
• does not itself custody your digital assets or private keys;
• does not itself execute, settle, or guarantee any crypto transaction;
• does not guarantee price, spread, fees, liquidity, timing, execution quality, or availability;
• does not insure your digital assets.

Whether a wallet is custodial, non-custodial, embedded, delegated, or self-custodial depends on the Crypto Partner and product configuration in effect at the time of use, and is disclosed by the Crypto Partner. We will describe the relevant configuration in the in-app flow or in partner-specific disclosures.

8.3 Risk disclosures

Digital assets carry significant risks. By using crypto features of the Services, you acknowledge and accept that:

• Volatility. Prices of digital assets can fluctuate sharply and are not backed by any central authority or reserve. You may lose some or all of the value of your assets.
• Irreversibility. Transactions on blockchains are generally irreversible. If you send assets to the wrong address, chain, token, memo, or destination, or if your device or credentials are compromised, your assets may be permanently lost with no recourse.
• Technology risk. Blockchains, bridges, smart contracts, wallets, and related infrastructure may suffer bugs, exploits, forks, outages, attacks, miner reorganizations, MEV effects, or network congestion.
• Regulatory risk. Laws applicable to digital assets are evolving rapidly and vary by jurisdiction. A feature available to you today may not be available tomorrow, and tax or other treatment may change, potentially with retroactive effect.
• No deposit insurance. Unless a Crypto Partner expressly and lawfully states otherwise in writing, digital assets and related services are not protected by deposit insurance schemes (such as FDIC, SIPC, FSCS, or national deposit-guarantee schemes) and are not covered by investor compensation schemes applicable to traditional securities.
• Taxes. You are solely responsible for determining, reporting, and paying any taxes on digital-asset transactions or holdings.
• Counterparty risk. You are exposed to the solvency, security, operational reliability, and compliance of the Crypto Partner and its providers.
• No fiduciary duty. Neither Bank AI nor the Crypto Partner acts as your fiduciary in respect of crypto features unless expressly stated in writing.

You should only use crypto features with funds you can afford to lose.

8.4 Compliance measures

Crypto Partners may require identity verification, source-of-funds information, enhanced due diligence, sanctions screening, transaction monitoring, cooling-off periods, risk-knowledge attestations, or additional consents. They may delay, reject, freeze, reverse, or report transactions where required by law or their risk policies. We are not responsible for a Crypto Partner’s compliance decisions.

9.1 How AI features work

Bank AI includes AI features that can summarize your finances, categorize transactions, generate insights, provide suggestions, simulate scenarios, and engage in free-form chat. We are an integrator, not a developer, of AI models: to generate responses, we send your prompts and relevant financial context (which typically includes raw transaction-level data and account metadata) to third-party AI providers (“AI Providers”) such as Anthropic, OpenAI, and Google, as described in our Privacy Policy.

9.2 AI output is advisory, informational, and non-binding

All AI-generated output is advisory and informational only. It is generated automatically and is probabilistic - it can be incomplete, out of date, biased, inconsistent, or wrong. AI output does not constitute, and may not be relied upon as:

• regulated financial, investment, or wealth-management advice;
• a personal recommendation, solicitation, or offer to buy, sell, or hold any security, financial instrument, digital asset, or other product;
• a suitability or appropriateness assessment;
• tax, legal, accounting, insurance, or regulatory advice;
• a fiduciary recommendation or a credit decision;
• an indication of future performance, returns, or outcomes.

AI output may conflict with the advice of a qualified professional. You must verify AI output independently before acting on it, and you should consult appropriately licensed professionals for consequential decisions.

You expressly acknowledge that decisions you make based on AI output are your own, and that neither Bank AI nor any AI Provider is liable for those decisions or their consequences, except as required by mandatory law (for consumers, see Section 25).

9.3 Restrictions on AI use

You agree not to use AI features to:

• generate content that is unlawful, fraudulent, deceptive, harassing, defamatory, or harmful;
• solicit or produce instructions for illegal activity, including tax evasion, money laundering, market abuse, or circumvention of sanctions;
• attempt to infer sensitive information about other identifiable individuals;
• reverse-engineer, extract, copy, or compete with the underlying AI models, prompts, system instructions, or routing logic;
• generate large volumes of automated prompts or otherwise abuse the AI service (for example, by scraping or using the AI as a proxy for unrelated tasks);
• create content that violates third-party intellectual-property or privacy rights;
• submit content of third parties who have not consented to its processing by AI.

9.4 Logging, safety, and human review

We and our AI Providers may log, store, and review AI interactions for safety, abuse prevention, debugging, incident response, legal compliance, model routing, quality assurance, and service improvement, subject to our Privacy Policy and to the AI Providers’ terms. You may delete chat history as described in the Privacy Policy.

9.5 AI disclosure

Where required by applicable law (including transparency requirements under the EU AI Act), we will make clear that you are interacting with an AI system and label AI-generated content accordingly.

9.6 Not suitable for emergencies

Do not rely on AI features for time-critical trading decisions, legal filings, tax deadlines, medical decisions, safety-critical matters, or any other decision where error, delay, or inaccuracy could cause material loss or harm without independent professional advice.

Unless we expressly state otherwise in writing and are licensed or authorized in the relevant jurisdiction, Bank AI, its affiliates, officers, employees, and contractors do not:

• provide regulated financial, investment, tax, legal, insurance, or credit advice;
• act as your fiduciary, trustee, agent, portfolio manager, or personal representative;
• monitor your accounts for fraud, tax events, legal compliance, or investment performance on your behalf;
• undertake any duty to alert you to market events, unusual transactions, fees, maturities, deadlines, tax consequences, or compliance issues;
• undertake any obligation to optimize, rebalance, diversify, hedge, or preserve your assets.

You remain solely responsible for seeking advice from appropriately licensed professionals where needed.

11.1 Current pricing

Some parts of the Services may be offered free of charge; others may require a one-time purchase, subscription, partner fee, spread, markup, platform fee, or other charge. Current pricing, billing frequency, and trial terms are displayed in-app before you are charged.

11.2 Partner compensation

We may receive referral fees, revenue share, commissions, platform fees, spreads, or other consideration from Crypto Partners, aggregators, or other providers when you use their services through Bank AI. These arrangements create commercial incentives that may influence which providers, offers, flows, or features are shown to you. We will disclose material conflicts of interest where required by law.

11.3 App-store billing

If you purchase a subscription or other paid feature through the Apple App Store, Google Play, or another marketplace, billing, refunds, renewal, and cancellation are governed by the marketplace’s rules in addition to these Terms. We do not have access to your payment instrument and cannot process refunds for marketplace purchases; you must request refunds through the marketplace.

11.4 Direct billing

If we offer billing directly (outside a marketplace):

• you authorize us and our payment processor to charge your selected payment method for recurring fees, taxes, and surcharges;
• subscriptions renew automatically at the end of each billing period unless cancelled before renewal;
• trials may convert to paid subscriptions unless cancelled before the trial ends;
• we may suspend access if payment fails, after attempting to contact you;
• we may change prices prospectively, with notice as required by law;
• you can cancel a direct-billed subscription through in-app settings or by contacting admin@stolenorbit.com.

11.5 Taxes

Fees are exclusive of VAT, GST, sales tax, withholding tax, and similar charges, unless stated otherwise. You are responsible for all taxes arising from your use of the Services, except those we are legally required to collect and remit.

11.6 Blockchain fees

Blockchain (network/gas) fees and fees charged by Crypto Partners are not charged by us and are outside our control. They are deducted from your transaction or charged by the Crypto Partner.

If you are a consumer in the European Economic Area, the United Kingdom, or another jurisdiction that grants a statutory right of withdrawal for distance contracts:

• you have the right to withdraw from a paid subscription within 14 days of the date on which the contract is concluded, without giving any reason;
• to exercise this right, you must inform us of your decision by an unequivocal statement (for example, a message to admin@stolenorbit.com); you may use any model withdrawal form made available in-app, but you are not obliged to;
• you expressly request that we begin providing the Services immediately upon purchase; you acknowledge that, to the extent the Services are fully performed during the withdrawal period with your express consent, you lose the right of withdrawal;
• if you withdraw before full performance, we will refund the amount you paid, pro-rated for the portion of the Services provided up to the date you communicated the withdrawal.

This Section 12 does not limit any non-waivable statutory rights you may have as a consumer.

We may label certain features as “beta,” “pilot,” “alpha,” “preview,” “early access,” or “experimental.” These features may be incomplete, unstable, or subject to bugs, outages, data loss, or inaccuracies. We may modify or discontinue them at any time without liability, except as required by mandatory consumer-protection law.

As between you and Bank AI, you retain ownership of content you submit to the Services, subject to the rights of financial institutions, data providers, and other third parties.

You grant Bank AI and its service providers a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, process, adapt, transmit, display, and use your content and account-linked data solely as necessary to:

• provide, maintain, secure, and improve the Services;
• connect, refresh, and analyze your financial accounts as you request;
• generate analytics and AI outputs as you request;
• comply with law, court orders, and regulator requests;
• detect, prevent, and respond to fraud, abuse, and security incidents;
• enforce these Terms and our policies.

This license is coextensive with the purposes described in our Privacy Policy and terminates when the underlying data is deleted, subject to our retention exceptions.

You represent that you have all rights necessary to provide the content and to grant this license.

You agree not to, and not to permit any third party to:

• use the Services in violation of any law, regulation, sanctions regime, or third-party right;
• use the Services for money laundering, terrorism financing, market abuse, fraud, tax evasion, sanctions evasion, identity theft, or other unlawful activity;
• provide services on behalf of third parties without authorization or lawful basis;
• upload viruses, malware, worms, or any code intended to damage or disrupt systems;
• circumvent access controls, rate limits, geographic restrictions, or technical measures;
• reverse-engineer, decompile, disassemble, scrape, or otherwise attempt to derive source code, models, prompts, algorithms, routing, or non-public architecture, except where such restriction is prohibited by mandatory law;
• harvest, collect, or use personal data of other users or third parties;
• misrepresent your identity, account ownership, source of funds, sanctions status, or authorization;
• test, probe, or exploit the Services for vulnerabilities without our written permission;
• use the Services to generate spam, phishing, or deceptive financial content;
• interfere with the operation of the Services, other users, financial institutions, or providers;
• use the Services in any automated or high-volume manner that goes beyond ordinary personal use (for example, by scripting AI chat, systematic data export, or bulk account operations).

We may investigate suspected violations, remove content, restrict features, and cooperate with law enforcement.

We and our partners may, directly or through service providers, screen users, devices, transactions, accounts, wallet addresses, counterparties, IP addresses, and activity for fraud, AML/CTF, sanctions, security, and operational risk.

We may request identity information, proof of address, proof of funds, beneficial ownership, tax information, attestations, or explanations. We may block, suspend, restrict, refuse, delay, freeze, or terminate access to any feature, account connection, or transaction where we reasonably believe it necessary to:

• comply with law, regulation, court order, subpoena, or regulator request;
• perform sanctions, AML/CTF, fraud, or security controls;
• investigate suspicious, misleading, abusive, or unauthorized activity;
• prevent harm to users, partners, financial institutions, or the Services;
• protect our legal, regulatory, or contractual position.

Nothing in these Terms requires us to disclose the existence or details of any compliance review where disclosure is restricted by law or would compromise an investigation. You agree to cooperate reasonably with such reviews.

The Services depend on third parties, including financial institutions, aggregators (e.g., Powens), Crypto Partners (e.g., MoonPay, Ramp Network, Privy, Magic, Dynamic), AI Providers (e.g., Anthropic, OpenAI, Google), cloud providers, analytics and attribution vendors (e.g., Firebase, AppsFlyer), advertising networks (e.g., Meta, TikTok, Google Ads), app marketplaces (e.g., Apple App Store, Google Play), identity verification vendors, and other service providers.

Third-party services and content are not under our control. We are not responsible for their availability, accuracy, completeness, security, conduct, or compliance, or for any loss arising from them. Your use of third-party services may be governed by separate terms and privacy notices between you and those third parties, which prevail over these Terms to the extent of any conflict for those third-party services.

Our collection, use, storage, disclosure, and transfer of personal data is described in our Privacy Policy, which is incorporated into these Terms. By using the Services, you acknowledge the Privacy Policy and the consent architecture it describes.

You consent to receive communications from us electronically (email, in-app messages, push notifications, web postings, or other electronic means), including contracts, notices, disclosures, receipts, and service updates. You agree that electronic communications satisfy any legal requirement that such communications be in writing, except where prohibited by law.

You are responsible for maintaining current contact details. Notices to us must be sent to admin@stolenorbit.com.

The Services - including software, interfaces, designs, content, logos, trademarks, workflows, prompts, prompt architecture, analytics outputs, and documentation - are owned by Stolen Orbit or its licensors and are protected by intellectual-property and other laws.

Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use the Services for your personal, non-commercial use.

“Bank AI,” “Stolen Orbit,” and related names, logos, and branding are our trademarks (or those of our affiliates or licensors) and may not be used without our written permission.

If you provide suggestions, ideas, bug reports, or other feedback, you grant us a worldwide, perpetual, irrevocable, royalty-free, transferable, sublicensable right to use that feedback for any purpose without restriction or compensation. This Section does not override applicable data-protection law in respect of your personal data.

22.1 Your right to terminate

You may stop using the Services at any time and close your account. Closing your account does not automatically cancel paid subscriptions - cancel through the app store or in-app settings as applicable.

22.2 Our right to suspend or terminate

We may suspend, restrict, or terminate your access, in whole or in part, with or without notice where permitted by law, if:

• you breach these Terms or any of our policies;
• we suspect fraud, abuse, sanctions issues, or unlawful activity;
• we are required to do so by law, court order, regulator, partner, or financial institution;
• continued service creates a legal, regulatory, security, or operational risk;
• a third-party provider essential to a feature terminates or materially changes its service;
• we discontinue the Services or the relevant feature.

Where we can reasonably give notice before acting, we will. Where consumer law requires us to provide notice or grounds, we will comply.

22.3 Effect of termination

On termination: your right to use the Services ends; we may delete or anonymize your data per the Privacy Policy; Sections that by their nature should survive (including 3, 7, 8, 9, 10, 14, 15, 17, 20, 21, 22, 24, 25, 26, 27, 28, 29, 30, 31, and 32) will survive. Rights and liabilities accrued before termination are preserved.

We may modify, add, suspend, or discontinue any part of the Services at any time. Where required by law, we will give advance notice of material adverse changes. We do not guarantee continued availability of any feature, integration, institution, partner, AI model, or crypto flow.

To the fullest extent permitted by law, the Services are provided “as is” and “as available.”

Except as expressly stated in these Terms or required by mandatory law, we disclaim all warranties, representations, and conditions, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, uninterrupted operation, security, and that the Services will be error-free or meet your requirements.

Without limiting the foregoing, we do not warrant that:

• linked-account data will be complete, accurate, current, or continuously available;
• categorizations, budgets, forecasts, or analytics will be correct;
• AI output will be accurate, complete, appropriate, or safe to act on without verification;
• any crypto transaction or partner service will succeed, settle, or remain available;
• the Services will detect fraud, tax issues, compliance issues, market opportunities, or financial risks;
• the Services will preserve or increase the value of any asset.

Nothing in these Terms excludes or limits any warranty, right, or remedy that cannot be lawfully excluded or limited. If you are a consumer, some of the above exclusions may not apply to you.

25.1 Consumers

If you are a consumer, nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud, gross negligence (where non-waivable), or death or personal injury caused by negligence (where non-waivable).

Subject to that, we are not liable for:

• losses caused by your own acts, omissions, decisions, or instructions;
• losses caused by third parties, including financial institutions, aggregators, Crypto Partners, AI Providers, blockchains, marketplaces, or internet service providers;
• market-driven losses, including volatility, slippage, spreads, asset devaluation, or tax consequences;
• losses from your reliance on AI output or informational content without independent verification;
• losses that were not reasonably foreseeable at the time you accepted these Terms;
• losses caused by events outside our reasonable control.

25.2 Non-consumers

If you are not a consumer, to the maximum extent permitted by law:

• we will not be liable for any indirect, incidental, special, exemplary, punitive, or consequential damages, or for loss of profits, revenue, business, goodwill, opportunity, data, or anticipated savings; and
• our aggregate liability arising out of or relating to the Services or these Terms, regardless of the form of action, will not exceed the greater of (a) the total amount you paid us for the Services in the twelve months immediately preceding the event giving rise to the claim, and (b) one hundred euros (€100).

25.3 Application

These limitations apply regardless of the theory of liability and even if a limited remedy fails of its essential purpose. They are an essential basis of the bargain between us. They do not apply to the extent prohibited by applicable law.

If you are not a consumer, you agree to indemnify, defend, and hold harmless Stolen Orbit, its affiliates, and their officers, directors, employees, contractors, licensors, and service providers against any claims, liabilities, damages, judgments, losses, costs, and expenses (including reasonable legal fees) arising out of:

• your breach of these Terms or any policy incorporated by reference;
• your misuse of the Services;
• your violation of law or third-party rights;
• your linked accounts, wallet addresses, transactions, or content;
• any dispute between you and a third party (including a financial institution, Crypto Partner, AI Provider, or tax authority).

If you are a consumer, this Section applies only to the extent permitted by applicable law.

27.1 Non-consumer users

If you are not a consumer, these Terms and any non-contractual obligations arising out of them are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules, and the state and federal courts of Delaware have exclusive jurisdiction, except as provided by the dispute-resolution provisions below.

27.2 Consumer users

If you are a consumer, these Terms are governed by the laws of the State of Delaware, but this choice does not deprive you of the protection of mandatory provisions of the law of the country in which you are habitually resident that cannot be derogated from by agreement. As a consumer, you may bring legal proceedings in the courts of your country of residence, or, where the Rome I Regulation, Brussels I Recast Regulation, or equivalent law applies, as permitted by that law.

28.1 Informal resolution

Before filing any claim, you agree to contact us at admin@stolenorbit.com with a written description of the dispute and the relief you seek, and to attempt in good faith to resolve the dispute informally for at least 30 days. Nothing in this Section prevents either party from seeking urgent injunctive or equitable relief.

28.2 EEA / UK / Switzerland consumers

If you are a consumer resident in the EEA, UK, or Switzerland, nothing in these Terms affects your non-waivable right to bring proceedings in your country of residence or to access out-of-court dispute resolution, including:

• the European Commission’s Online Dispute Resolution platform at ec.europa.eu/consumers/odr;
• any national Alternative Dispute Resolution body competent for financial or digital services in your jurisdiction.

We are not currently committed to using any specific ADR body, but we will cooperate reasonably with competent authorities.

28.3 United States - binding individual arbitration

This Section 28.3 applies only to users resident in the United States. It requires binding individual arbitration and waives your right to participate in a class action. Read carefully.

• (a) Agreement to arbitrate. You and Stolen Orbit agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or your relationship with Stolen Orbit will be resolved by final and binding individual arbitration, except as set out below. Arbitration is conducted before a neutral arbitrator rather than in court. Arbitration procedures are simpler and more limited than court procedures.
• (b) Arbitration administrator and rules. Arbitration will be administered by JAMS under its Streamlined Arbitration Rules (for claims up to USD 250,000) or Comprehensive Arbitration Rules (for larger claims), available at jamsadr.com. If JAMS is unavailable or unwilling, the parties will jointly select an alternative administrator.
• (c) Location and procedure. Arbitration will be conducted in the State of Delaware, remotely, or in another location on which we agree in writing. The arbitrator will apply the same statutes of limitation and privileges as a court would.
• (d) Class action waiver. You and Stolen Orbit agree to bring claims against each other only in your or its individual capacity and not as plaintiff or class member in any purported class, collective, consolidated, private-attorney-general, or representative proceeding. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative or class proceeding. If this class-action waiver is found unenforceable, then the entire arbitration agreement in this Section 28.3 will be void, and the dispute will proceed in court under Section 27.1.
• (e) Exceptions. Either party may (i) bring an individual action in small-claims court for claims within its jurisdictional limits, and (ii) seek injunctive or other equitable relief in court to protect intellectual-property rights or stop unauthorized use or abuse of the Services.
• (f) 30-day opt-out. You may opt out of this arbitration agreement by sending written notice to admin@stolenorbit.com within 30 days of first accepting these Terms, with the subject line “Arbitration Opt-Out” and your name, email, and a clear statement that you wish to opt out. If you opt out, disputes will proceed in the courts identified in Section 27.
• (g) Fees. Payment of arbitration fees is governed by the applicable arbitration rules. If you are a consumer, we will pay arbitration fees to the extent required by the rules or applicable law.
• (h) Federal Arbitration Act. The Federal Arbitration Act governs the interpretation and enforcement of this Section.

28.4 Non-consumer users outside the U.S.

For non-consumer users outside the United States, disputes are subject to Section 27.1 (Delaware courts), unless the parties agree in writing to arbitrate.

We may update these Terms from time to time. If we make material changes, we will notify you through the Services, by email, or by other reasonable means, and we will update the “Last updated” date. Changes take effect on the stated effective date unless applicable law requires additional consent.

If you do not agree with the updated Terms, you must stop using the Services and close your account. Continued use after the effective date constitutes acceptance, to the extent permitted by law.

30.1 Apple App Store

If you download the app from the Apple App Store, the following applies in addition to these Terms:

• these Terms are between you and Stolen Orbit only, not Apple, and Apple is not responsible for the Services or their content;
• your use of the app must comply with the Apple Media Services Terms and Conditions and other applicable Apple rules;
• Apple has no obligation to provide maintenance or support for the app;
• in the event of a failure to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price; to the maximum extent permitted by law, Apple has no further warranty obligation with respect to the app;
• Apple is not responsible for addressing claims by you or any third party relating to the app or your possession or use of the app, including product-liability, consumer-protection, or IP-infringement claims;
• if a third party claims that the app or your use of it infringes their intellectual-property rights, Stolen Orbit, not Apple, is responsible for the investigation, defense, settlement, and discharge of that claim;
• Apple and its subsidiaries are third-party beneficiaries of these Terms as they relate to your license of the iOS app and may enforce these Terms against you;
• you represent that you are not located in a U.S.-embargoed country or on a U.S. government prohibited-parties list.

30.2 Google Play

If you download the app from Google Play, your use is also subject to the Google Play Terms of Service. Google has no responsibility for the app or these Terms.

30.3 Other marketplaces

If you download the app from another marketplace, the rules of that marketplace apply in addition to these Terms.

We are not liable for delay or failure in performance caused by events outside our reasonable control, including natural disasters, acts of government, sanctions, war, terrorism, civil unrest, labor disputes, cyber incidents, internet outages, cloud-provider failures, blockchain congestion or failure, third-party API outages, financial-institution outages, and other force-majeure events. Where such an event continues for a prolonged period, either party may terminate affected portions of these Terms.

• Entire agreement. These Terms, together with the Privacy Policy and any product-specific disclosures or plan-specific terms, constitute the entire agreement between you and Stolen Orbit regarding the Services and supersede prior agreements on that subject.
• Severability. If any provision is held invalid or unenforceable, the remainder remains in full force, and the invalid provision will be interpreted as closely as possible to its original intent within the limits of the law.
• No waiver. Our failure or delay in enforcing any provision is not a waiver.
• Assignment. You may not assign these Terms without our written consent. We may assign these Terms, in whole or in part, to an affiliate or in connection with a merger, acquisition, financing, reorganization, or sale of assets, subject to applicable law.
• No third-party beneficiaries. Except as expressly stated (for example, Apple under Section 30.1), these Terms do not create rights in any third party.
• Relationship. Nothing in these Terms creates a partnership, joint venture, agency, employment, or fiduciary relationship between you and Stolen Orbit.
• Interpretation. Headings are for convenience only. “Including” means “including without limitation.” References to statutes, rules, or regulations include amendments and successor provisions.
• Language. These Terms are made available in English. If we provide a translation, the English version controls to the extent permitted by law, except where mandatory local law requires another version to prevail.
• Notices. Notices to you will be given by email, in-app message, or by posting in the Services, at our discretion. Notices to us must be sent to admin@stolenorbit.com.

Questions, legal notices, complaints, or requests concerning these Terms may be sent to:

Stolen Orbit LLC d/b/a Bank AI. 8 The Green, Suite B, Dover, Delaware 19901, United States. Email: admin@stolenorbit.com.