iMe Wallet User Agreement

Date of publication and entry into force: 6 December 2025 (edited 9 November 2026)

This User Agreement (the "Agreement") governs your use of iMe Wallet, a self-custodial wallet for virtual assets provided as a Telegram mini app through the bot @iMe_wallet_bot (the "Service" or "iMe Wallet"), operated by iMe Lab FZCO ("iMe", "we", "us", or "our").

By creating, importing, or using a wallet in iMe Wallet, you agree to this Agreement. If you do not agree, do not use the Service. The iMe Wallet Privacy Policy explains how we process personal data in the Service.

1. About this Agreement

1.1. This Agreement forms a binding agreement between you and iMe Lab FZCO, a company incorporated and existing under the laws of the United Arab Emirates.

1.2. iMe Wallet is a separate product of the iMe ecosystem. It is governed by this Agreement and the iMe Wallet Privacy Policy, not by the iMe Terms of Service or the iMe Privacy Policy, wherever you open it. Those documents govern your use of the iMe apps, websites, and other iMe bots.

1.3. Some features of the Service are provided by third parties under their own terms (Sections 8 to 11). Those terms apply in addition to this Agreement.

1.4. iMe Wallet works as a mini app in Telegram. iMe is not affiliated with, endorsed by, or an agent of Telegram Messenger Inc. or Telegram FZ-LLC, and iMe Wallet is not a wallet offered by Telegram. Telegram is not responsible for the Service. Your use of Telegram, including its mini apps, remains subject to Telegram's own terms, including the Telegram Terms of Service, the Telegram Terms of Service for Mini Apps, the Telegram Terms of Service for Bots, and the Telegram Privacy Policy.

2. Definitions

3. Risks you accept

3.1. Virtual Assets are highly risky. Their prices may change sharply or fall to zero, they may lose liquidity or be delisted, and their networks may fork, halt, or be attacked. Issuers of some tokens, such as stablecoins, can freeze or block them, and smart contracts and cross-chain bridges may have vulnerabilities and be exploited. Use only amounts you can afford to lose.

3.2. Blockchain transactions are irreversible. If you send Virtual Assets to a wrong address or network, approve a malicious request, or lose your Seed Phrase, neither iMe nor anyone else may be able to recover them.

3.3. Anyone can create a token. Tokens shown in the Service or added by you may be worthless, fraudulent, or impossible to sell. The fact that a token, network, protocol, or application is available in the Service does not mean that iMe has verified or endorses it.

3.4. iMe Wallet is not a bank, exchange, broker, custodian, or payment institution, and iMe is not licensed or supervised by any financial regulator in connection with the Service. You do not have the protection of deposit guarantee or investor compensation schemes or of a financial ombudsman.

3.5. Nothing in the Service — including prices, rates, charts, news, or other content — is investment, financial, legal, or tax advice. You decide on your own transactions.

3.6. You are responsible for determining and paying any taxes on your transactions. iMe does not calculate, collect, withhold, or report taxes for you.

4. Eligibility

4.1. You must be at least 18 years old and have full legal capacity to enter into this Agreement.

4.2. You must not be located in, organized under the laws of, or a resident of any jurisdiction subject to comprehensive sanctions, and you must not be a person — or be owned or controlled by a person — with whom dealings are restricted under applicable sanctions laws, including measures of the UN, the UAE, the EU, the UK, and the U.S. Office of Foreign Assets Control (OFAC). You must not use the Service if you are located in, or a resident of, a jurisdiction that the Financial Action Task Force (FATF) has made subject to a call for action.

4.3. You must not use the Service where self-custodial wallets, Virtual Assets, or any of the features you use are prohibited by the law that applies to you. You are responsible for checking that your use of the Service is lawful.

4.4. Some features may not be available in some countries or to some users (Section 13.3).

5. Your Wallet and its security

5.1. Self-custody. When you create a Wallet, its Seed Phrase is generated on your device. You can also import an existing Wallet with its Seed Phrase. Your Seed Phrase is stored on your device in encrypted form, its Private Keys are derived from it on your device, and transactions are signed on your device. The Service is designed so that iMe never receives your Seed Phrase or Private Keys, and iMe cannot see, restore, or reset them. Anyone who has them can take your Virtual Assets: never share them with anyone. iMe staff and support will never ask for them.

5.2. Unlocking. You unlock the Service with a PIN, a password, or biometrics, as available on your device. On mobile devices, unlocking with a PIN also uses a key share held by our servers; on its own, it cannot decrypt your Seed Phrase. If you forget your PIN or password, lose your device, or cannot reach our servers, you may be unable to unlock your Wallet in the Service and will need your Seed Phrase.

5.3. Your Telegram Account and device. The Service is linked to your Telegram Account and Telegram ID. You are responsible for the security of your device, your Telegram Account, and your PIN and passwords, and for all activity in the Service carried out with them. iMe cannot restore access to a Telegram Account.

5.4. Your Seed Phrase is the key to your Virtual Assets. Write it down and keep it safe offline. With your Seed Phrase, you can restore your Wallet in iMe Wallet. Other wallets that support the same standards can usually restore your addresses from it, even if the Service is unavailable, but some of them, for example on TON, may derive different addresses from the same Seed Phrase. Check that the addresses match before you rely on another wallet. If you lose your Seed Phrase and your access to the Service, your Virtual Assets may be lost forever.

5.5. Backups. You can save an encrypted backup of a Wallet's Seed Phrase to your Telegram Cloud or to a file. The backup is encrypted on your device with a password you choose. Use a strong password that you do not use anywhere else. iMe does not receive the backup or the password and cannot restore a forgotten password. The name, emoji, and one address of the Wallet are stored in the backup without encryption. Backups in your Telegram Cloud are stored by Telegram and may become unavailable if you lose access to your Telegram Account. A backup does not replace your Seed Phrase.

5.6. Deleting a Wallet. Deleting a Wallet, or all Wallets, from the Service removes them from your device. It also disconnects the dApps connected to them but does not cancel approvals you have given on the blockchain (Section 11.2). It does not affect your Virtual Assets, which stay on the blockchain and remain accessible with your Seed Phrase.

5.7. Moving to a new Wallet. We may ask you to move your Virtual Assets from a Wallet to a new one — for example, from a wallet of an earlier version of iMe or for security reasons — and stop supporting the old Wallet in the Service after a date we tell you in advance. Virtual Assets that you do not move remain at the old Wallet's addresses on the blockchain.

6. Using your Wallet

6.1. Networks and assets. The Service lets you receive, hold, send, and view Virtual Assets on the blockchain networks it supports — for example, Bitcoin, Ethereum and other EVM networks, Solana, Tron, and TON. The supported networks and assets are shown in the Service and may change.

6.2. Sending. Before you confirm a transaction, check the whole address, not only its first and last characters, and the network, memo, and amount. A transaction sent to an address on another network, or without a required memo, may be lost. Once confirmed by the network, a transaction cannot be canceled or reversed.

6.3. Approvals and signatures. Some transactions, such as token approvals, allow a smart contract to spend your tokens, and some requests ask you to sign a message. For a swap, the Service may ask you to approve an unlimited amount of a token, which lets the provider's smart contract spend that token from your Wallet until you revoke the approval on the blockchain. Confirm approvals and signatures only if you understand them and trust the requester.

6.4. Balances, prices, and history. The Service shows balances, prices, transaction history, and other information obtained from blockchain networks and Third-Party Services. Amounts in fiat currency are shown for information only. They are not an offer, a guaranteed rate, or a fiat balance.

6.5. Tokens you add. You can add a token to your Wallet by its contract address. iMe does not verify tokens that you add (Section 3.3).

6.6. Address book. Your address book and recent recipients are stored on your device.

7. Fees

7.1. You pay the blockchain network fees for your transactions. The Service shows an estimated network fee before you confirm; the final fee is set by the network.

7.2. Third-Party Services may charge their own fees, which may be included in the rates and amounts they offer. Before you confirm, the Service shows the details it receives from the provider, such as the rate and the estimated amount you will receive.

7.3. iMe may, but does not have to, charge its own fee for some features or receive a fee from Third-Party Services when you use them through the Service. Any such fee is included in the rates, amounts, or fees shown before you confirm.

8. Swaps

8.1. The Service lets you exchange one Virtual Asset for another, including between networks, through third-party exchange protocols, aggregators, and cross-chain services — for example, Uniswap, PancakeSwap, 1inch, Symbiosis, Rango, Omniston, and Jupiter. The providers we use may change.

8.2. Our servers request quotes from providers and prepare the swap transaction. You confirm and sign it on your device. iMe does not take custody of your Virtual Assets during a swap and is not a party to the exchange: the swap is executed by the provider's smart contracts and the relevant blockchain networks.

8.3. Quotes are estimates and are valid for a limited time. The final result depends on market movements, liquidity, and network conditions at execution and may differ from the quote, within the limits shown in the Service.

8.4. A swap between networks may take longer and depends on the cross-chain service. If a swap fails or is delayed, the outcome, including any return of Virtual Assets, is determined by the provider and the relevant networks. We will help you with the information we have. A provider may also refuse a swap, for example if it considers it too risky.

9. Buying and selling with fiat currency

9.1. Where available, the Service lets you buy or sell Virtual Assets for fiat currency through third-party providers — for example, MoonPay, Mercuryo, and Paybis. The Service shows offers from providers. When you choose an offer, you go to the provider's website to complete the purchase or sale.

9.2. The provider is your counterparty. Its terms and privacy policy apply, and it is responsible for the payment, the delivery of Virtual Assets or fiat currency, refunds, and disputes. The provider may ask you to verify your identity and may perform anti-money-laundering, fraud, and sanctions checks. It may delay, limit, or refuse a transaction under its terms. iMe is not a party to the transaction and does not receive your card details or identity documents.

9.3. Offers, payment methods, and providers depend on your country, which the Service determines from your IP address, and may change. You may select another country in the Service, but you must not misrepresent your location to get around restrictions.

9.4. Amounts shown before you go to the provider are estimates. The final amount, rate, and fees are set by the provider.

9.5. When you sell, you send Virtual Assets from your Wallet to the address that the provider gives you. Check the details before you confirm: the transfer cannot be reversed.

10. Paying apps from iMe Wallet

10.1. Apps and services, including iMe services such as iMe Shop and iMe Ads, may ask you to pay from iMe Wallet. Before you confirm, the Service shows the app that requests the payment, the amount, the network, and the fee. When you confirm, the Service sends the Virtual Assets from your Wallet to the recipient.

10.2. The purchase is between you and the recipient and is governed by the recipient's terms. A payment sent on the blockchain cannot be canceled. The recipient may check payments for financial-crime risk and, under its terms, may hold the funds, refuse to deliver the purchase, or return the payment. Questions about the purchase, its delivery, or a return of the payment should be directed to the recipient. iMe services handle them under their own terms, for example the iMe Shop Terms of Service or the iMe Ads Terms of Use.

11. Decentralized applications

11.1. You can connect your Wallet to decentralized applications ("dApps") through WalletConnect and TON Connect. When you connect, the dApp receives your addresses on the networks it requests and, for some networks, your public key. The dApp can then ask you to sign messages or transactions. Nothing is signed or sent without your confirmation in the Service.

11.2. dApps are Third-Party Services. The Service may check a dApp's web address and warn you about it, but this check does not guarantee that the dApp is safe. Connect only to dApps you trust. You can disconnect a dApp in the Service at any time; disconnecting does not cancel approvals you have already given on the blockchain.

11.3. Connections between the Service and dApps pass through third-party networks, such as the WalletConnect network and TON Connect bridges.

12. Rewards and campaigns

12.1. Other iMe services may deliver rewards, such as tokens, to your Wallet. Their terms govern how you earn such rewards, for example the iMe Terms of Service. Once credited, rewards are Virtual Assets in your Wallet. They have no guaranteed value.

12.2. We may run campaigns and promotions in the Service. Their conditions are shown when they are offered.

13. Our role and the availability of the Service

13.1. iMe provides software that lets you manage your Wallet. iMe does not hold your Virtual Assets and cannot sign transactions for you. Our servers may submit the transactions you sign to the blockchain network, but transactions are confirmed and recorded by the network, and iMe cannot freeze, cancel, or reverse them.

13.2. iMe will operate the Service with reasonable care and skill. Balances, prices, rates, transaction statuses, and other data shown in the Service come from blockchain networks and Third-Party Services and may be delayed, incomplete, or inaccurate. Check important information before relying on it.

13.3. We may add, change, limit, or remove features, networks, assets, and Third-Party Services, and make some of them available only in some countries or to some users, including for legal, security, or technical reasons. Whatever we change, you keep control of your Virtual Assets through your Seed Phrase and Private Keys (Section 5.4).

14. Acceptable use

14.1. You must not use the Service to:

14.2. Because iMe Wallet is self-custodial, iMe does not take custody of your Virtual Assets and does not perform identity checks to open a Wallet. Third-Party Services that you use through the Service, such as payment and exchange providers and the recipients of your payments, may perform their own identity, anti-money-laundering, and sanctions checks under their terms (Sections 8 to 10).

14.3. If we suspect a breach of Section 4 or this Section, we may restrict or end your access to the Service or to some of its features under Section 16. Where required by law, we report illegal activity to the competent authorities, and in that case we may be unable to tell you the reason for our decision.

15. Intellectual property

15.1. The Service, including its software, design, content, and the iMe and iMe Wallet names and logos, belongs to iMe or its licensors.

15.2. Subject to this Agreement, iMe grants you a personal, limited, non-exclusive, non-transferable, and revocable license to use the Service for your own purposes. Open-source components of the Service are licensed under their own licenses, and nothing in this Agreement limits the rights you have under those licenses.

15.3. If you send us suggestions or feedback, we may use them without obligation to you.

16. Suspension and termination

16.1. You may stop using the Service at any time. Your Virtual Assets stay at your blockchain addresses, and you can access them with your Seed Phrase or Private Keys. The iMe Wallet Privacy Policy explains how to ask us to delete the data we hold about you.

16.2. We may suspend or end your access to all or part of the Service without prior notice if you breach this Agreement or the law, if we need to do so to protect users, iMe, or third parties, or if Telegram, a Third-Party Service, or an authority requires it. Where we do so, we will tell you the reason and how to contact us if you disagree, unless the law prohibits it or this could harm the security of the Service or an investigation.

16.3. We may stop providing the Service. If we do, we will tell you in advance where we can, so that you can make sure you have your Seed Phrase.

16.4. Sections 2, 3, 5.4, 13.1, 14, 15, 17 to 19, 21, and 22 survive the termination of this Agreement or of your access to the Service.

17. Disclaimers

17.1. The Service is provided "as is" and "as available". To the maximum extent permitted by law, iMe gives no warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, or that the Service will be uninterrupted, error-free, or secure.

17.2. The Service depends on Telegram, blockchain networks, Third-Party Services, your device, and other factors outside our control.

18. Limitation of liability

18.1. To the maximum extent permitted by law, iMe will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill.

18.2. To the maximum extent permitted by law, and except to the extent caused by a defect in the Service or by our breach of this Agreement, iMe is not liable for losses that result from:

18.3. To the maximum extent permitted by law, iMe's total liability for all claims related to the Service is limited to the greater of (a) the fees you paid to iMe for the Service in the twelve (12) months before the event giving rise to the claim and (b) one hundred US dollars (USD 100).

18.4. Nothing in this Agreement excludes or limits liability for fraud, intentional misconduct, or gross negligence, liability for death or personal injury caused by negligence, or any other liability that cannot be excluded or limited under applicable law.

18.5. If you are a consumer, you have statutory rights, for example to a Service that conforms to the contract and to remedies if it does not. Nothing in Sections 17 to 19 limits those rights.

19. Indemnification

To the extent permitted by law, you will indemnify iMe Lab FZCO and its officers, employees, and agents against any claims, losses, and expenses, including reasonable legal fees, that arise out of: (a) your breach of this Agreement; (b) your misuse of the Service; or (c) your violation of any law or third-party right — in each case to the extent caused by your fault.

20. Changes to the Service and this Agreement

20.1. We may modify the Service and this Agreement. The updated Agreement is published in the Service, and the date at the top is updated.

20.2. If a change is material, we will also let you know about it, for example in the Service, in a message from @iMe_wallet_bot, or in the official iMe channels. Changes apply from the date stated in the updated Agreement.

20.3. If you do not agree to the updated Agreement, stop using the Service before the changes apply. Your Virtual Assets remain accessible with your Seed Phrase (Section 16.1).

21. Governing law and disputes

21.1. This Agreement is governed by the laws of the United Arab Emirates, as applied in the Emirate of Dubai.

21.2. You agree to first try to resolve any dispute by contacting us under Section 23. Please describe the issue, the transactions or events that led to it, including transaction hashes where relevant, and the outcome you are seeking, and attach any supporting evidence. We will respond within thirty (30) Days of receiving your claim and will tell you if we need more time because of its complexity.

21.3. A dispute that is not resolved within thirty (30) Days of our receipt of your claim is subject to the exclusive jurisdiction of the competent courts of Dubai, UAE.

21.4. If you are a consumer, nothing in this Agreement deprives you of the protection of mandatory provisions of the law of your country of residence, including any right to bring proceedings in the courts of that country.

22. General

22.1. Entire agreement. This Agreement constitutes the entire agreement between you and iMe regarding the Service and supersedes any prior understanding, including earlier versions of this Agreement. The iMe Wallet Privacy Policy explains how we process personal data.

22.2. Severability. If any provision is held invalid or unenforceable, the remaining provisions continue in full force and effect.

22.3. No waiver. Our failure or delay in enforcing a provision is not a waiver of it.

22.4. Assignment. You may not assign this Agreement without our consent. We may assign it to an affiliate or successor.

22.5. Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including natural disasters, governmental action, cyberattacks that could not be prevented by reasonable security measures, failures of networks, and the congestion, failure, fork, upgrade, or attack of a blockchain network, and the unavailability, malfunction, or change of rules of Telegram or of a Third-Party Service.

22.6. Notices. We may give notices in the Service or through @iMe_wallet_bot. You may give notices to us under Section 23.

22.7. Language. This Agreement is drawn up in English. Any translation is provided for convenience only, and the English version prevails.

23. Contact

iMe Lab FZCO
Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates