Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Customer," "you," or "your") and Kevo Labs ("Kevo," "we," "us," or "our") governing your access to and use of the Kevo platform, SDK, APIs, portal, documentation, and all related services (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you must not use the Services.

1. Definitions

• "Customer" means the entity or individual who creates an account and integrates the Services.
• "End User" means any user of Customer's application who interacts with Kevo-powered functionality.
• "Services" means the Kevo platform, SDK, APIs, developer portal, dashboard, documentation, and all related tools and infrastructure.
• "Key Material" means cryptographic secrets, signer-encrypted wallet material, export artifacts, and related artifacts managed through the Services.
• "Digital Assets" means cryptocurrencies, tokens, NFTs, and any other blockchain-based assets.
• "Subscription Plan" means the pricing tier selected by the Customer (Free, Pro, Scale, or Enterprise).

2. Eligibility & Account Registration

• You must be at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter binding agreements.
• If you are registering on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
• You must provide accurate, complete, and current account information. You are responsible for maintaining the confidentiality of your credentials (API keys, secret keys, account passwords).
• You are responsible for all activity under your account. Notify us immediately at [email protected] if you suspect unauthorized access.
• We reserve the right to refuse, suspend, or terminate accounts at our sole discretion for any violation of these Terms.

3. Services Description

Kevo provides embedded wallet infrastructure as a service, including:

• Embedded wallet provisioning and server-backed signing for EVM and Solana.
• User authentication (email OTP, social OAuth, Web3 wallet connectors).
• Wallet provisioning for EVM-compatible and Solana blockchains.
• Transaction signing and message signing APIs.
• Developer dashboard, analytics, and webhook delivery.
• Customizable UI components (modal, buttons) and headless API access.

4. Non-Custodial Nature of Services

5. Acceptable Use Policy

You agree not to use the Services to:

• Violate any applicable law, regulation, or third-party rights, including sanctions laws (OFAC, EU, UN), anti-money laundering (AML), counter-terrorism financing (CTF), or know-your-customer (KYC) requirements.
• Facilitate, process, or transmit proceeds of unlawful activity, including money laundering, fraud, tax evasion, or terrorist financing.
• Provide services to or interact with persons or entities on sanctioned individuals lists (SDN, EU Consolidated List, etc.).
• Interfere with, disrupt, overload, or attempt unauthorized access to the Services, our infrastructure, or other users' accounts.
• Reverse engineer, decompile, disassemble, or extract source code from the Services, except as permitted by applicable law.
• Use the Services to create competing products or services.
• Circumvent rate limits, security measures, or access controls.
• Transmit malware, exploits, or harmful code through the Services.
• Misrepresent your identity, affiliation, or the nature of your application.
• Use the Services for gambling, adult content, weapons, controlled substances, or other prohibited activities as determined by Kevo.

We reserve the right to suspend or terminate access immediately upon detection of violations, without prior notice or liability.

6. Customer Responsibilities

• Compliance: You are solely responsible for ensuring your use of the Services complies with all applicable laws and regulations in each jurisdiction where you and your End Users operate, including but not limited to data protection laws, financial regulations, securities laws, and consumer protection laws.
• End User Terms: You must maintain legally adequate Terms of Service and Privacy Policy for your own application that accurately disclose the use of third-party wallet infrastructure (Kevo).
• KYC/AML: If your application requires KYC/AML compliance, you are responsible for implementing and maintaining such programs. Kevo does not perform KYC/AML on End Users.
• API Key Security: You must keep secret API keys and admin credentials confidential. Public exposure of secret keys constitutes a breach of these Terms, and you are liable for any resulting unauthorized use.
• Data Accuracy: You are responsible for the accuracy of data transmitted through the Services. Kevo is not liable for losses resulting from incorrect transaction parameters, addresses, or chain selections.

7. Fees & Payment

• Subscription Plans: The Services are offered under tiered subscription plans as published on our Pricing page. Pricing is subject to change with 30 days' notice.
• Billing: Paid plans are billed monthly or annually in advance. You authorize us to charge your payment method on file.
• Overages: Usage exceeding your plan limits will be billed at the overage rates specified in your plan or invoiced separately.
• Taxes: Fees are exclusive of all taxes. You are responsible for all applicable taxes, duties, and levies.
• Late Payments: Unpaid invoices may accrue interest at the lesser of 1.5% per month or the maximum rate permitted by law. We may suspend Services for accounts with outstanding balances exceeding 15 days past due.
• Refunds: Fees are non-refundable except as expressly stated in these Terms or required by law.

8. Intellectual Property

• Kevo IP: All rights, title, and interest in the Services, including software, APIs, SDKs, documentation, trademarks, trade secrets, and proprietary signing implementations, remain exclusively with Kevo. These Terms grant no ownership rights to you.
• License Grant: Subject to compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to integrate and use the Services solely for your authorized business purposes.
• Customer IP: You retain ownership of your application code, branding, and content. By using the Services, you grant Kevo a limited license to process data as necessary to deliver the Services.
• Feedback: Any feedback, suggestions, or ideas you provide about the Services may be used by Kevo without obligation, compensation, or attribution.
• Open Source: Certain components of the SDK may be distributed under open-source licenses. Such licenses govern your use of those components and prevail over these Terms to the extent of any conflict.

9. Data Protection

• Our collection and processing of data is governed by our Privacy Policy, which is incorporated by reference into these Terms.
• Where Kevo processes Personal Data on your behalf as a data processor (e.g., End User authentication data), we will enter into a Data Processing Agreement (DPA) upon request.
• You represent that you have obtained all necessary consents and provided all required notices to End Users for the processing of their data through the Services.

10. Service Levels & Support

• Availability: We target 99.9% uptime for production API endpoints, measured monthly. This is a target, not a guarantee, unless a separate SLA is agreed in writing.
• Maintenance: We may perform scheduled maintenance with reasonable advance notice. Emergency maintenance may occur without notice when necessary to protect the Services or users.
• Support: Support levels vary by Subscription Plan. Enterprise customers may negotiate custom SLAs.
• API Changes: We will endeavor to provide 60 days' notice before deprecating API endpoints or introducing breaking changes. Backward-compatible changes may be deployed without notice.

11. Disclaimer of Warranties

12. Limitation of Liability

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

13. Indemnification

You agree to defend, indemnify, and hold harmless Kevo and its officers, directors, employees, agents, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the Services or any violation of these Terms.
• Your application's failure to comply with applicable laws or regulations.
• Any claims by your End Users relating to wallet functionality, Digital Asset losses, or data processing.
• Any allegation that your application or content infringes third-party intellectual property rights.
• Your failure to implement adequate security measures for API keys, credentials, or End User data.

14. Term & Termination

• Term: These Terms commence when you first access or use the Services and continue until terminated.
• Termination by You: You may terminate your account at any time through the dashboard or by emailing [email protected]. Termination does not entitle you to a refund of prepaid fees.
• Termination by Kevo: We may suspend or terminate your access immediately, without notice, for: (a) breach of these Terms; (b) nonpayment; (c) suspected fraud or illegal activity; (d) risk to the Services or other users; or (e) upon 30 days' written notice for convenience.
• Effect of Termination: Upon termination: (i) your license to use the Services immediately ceases; (ii) we will delete your account data within 90 days except as required by law; (iii) encrypted wallet material associated with your account will be securely destroyed within 30 days using cryptographic erasure; (iv) Sections 4, 8, 11, 12, 13, 15, and 16 survive termination.

15. Regulatory & Compliance Disclaimer

16. Dispute Resolution & Governing Law

• Governing Law: These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict-of-law principles.
• Arbitration: Any dispute arising out of or relating to these Terms shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall be conducted in English and the seat shall be Wilmington, Delaware.
• Class Action Waiver: You agree to resolve disputes on an individual basis only. You waive any right to bring or participate in a class action, collective action, or representative proceeding.
• Injunctive Relief: Notwithstanding the above, either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property rights or confidential information.
• EU Consumers: If you are a consumer in the European Union, nothing in this section deprives you of mandatory consumer protection rights under the laws of your member state of residence.

17. Force Majeure

Kevo shall not be liable for any failure or delay in performance of its obligations caused by events beyond its reasonable control, including but not limited to: natural disasters, pandemics, war, terrorism, government actions, blockchain network failures or congestion, DDoS attacks, Internet infrastructure failures, third-party service outages, power failures, or changes in applicable laws or regulations.

18. Modifications to Terms

We reserve the right to modify these Terms at any time. We will provide at least 30 days' notice of material changes via email or in-application notice. Continued use of the Services after the effective date of modified Terms constitutes acceptance. If you disagree with modified Terms, your sole remedy is to terminate your account prior to the effective date.

19. General Provisions

• Entire Agreement: These Terms, together with the Privacy Policy and any applicable DPA or SLA, constitute the entire agreement between you and Kevo regarding the Services.
• Severability: If any provision is found unenforceable, the remaining provisions continue in full force and effect.
• Waiver: Failure to enforce any provision does not constitute a waiver of that provision or any other provision.
• Assignment: You may not assign these Terms without our prior written consent. Kevo may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of its assets.
• No Third-Party Beneficiaries: These Terms do not create any third-party beneficiary rights, except for Kevo's affiliates and indemnified parties as expressly provided.
• Notices: Notices to Kevo must be sent to [email protected]. We may provide notice to you via your registered email address or through the Services.
• Export Compliance: You agree to comply with all applicable export control and sanctions laws and regulations.

20. Contact

For questions about these Terms, contact us at: