Terms of Service

Chord Express is operated by Saving Circles Ltd, a company incorporated in England and Wales with company number 16194867, whose registered office is at 82a James Carter Road, Mildenhall, Bury St. Edmunds, England, IP28 7DE (“Chord Express”, “we”, “us”). These Terms of Service (the “Terms”) are a binding agreement between you and us. They govern your access to and use of the Chord Express websites, mobile applications, interfaces and related services (together, the “Service”).

By creating an account, signing in, or otherwise using the Service, you agree to these Terms and to the documents they incorporate: the Prohibited and Restricted Items Policy and the fee information published at Fees. Our Privacy Policy explains how we handle personal data. If you do not agree, do not use the Service.

Please read sections 4, 5, 11, 16, 19, 28, 29 and 30 with particular care. They allocate responsibility and risk between you, the other User and us.

To use the Service you must:

1. be at least 18 years old and able to enter into a binding contract;
2. not be barred from using the Service under the law of any country that applies to you;
3. not be, or be acting for, a person or entity that is the target of sanctions administered by the United States, the United Kingdom, the European Union, the United Nations or any other authority with jurisdiction over you or us, and not be resident or located in a comprehensively sanctioned territory; and
4. not have previously been suspended or removed from the Service, unless we have agreed in writing.

The Service is intended for individuals acting for themselves. If you use it for a business, you confirm that you have authority to bind that business and that it holds every licence, registration and permit its activity requires.

• User: anyone who uses the Service. Requester: a User who asks for an item to be brought to them. Traveler: a User who offers to buy an item and bring it on a journey they are making.
• Request: a listing describing an item a Requester wants. Trip: a listing describing a journey a Traveler is making. Offer: a Traveler’s proposal to fulfil a Request for a stated Reward.
• Item Price: the amount allowed for buying the item. Reward: the amount the Traveler earns for fulfilling the Request. Bond: the amount a Traveler locks as security when making an Offer. Service Fee: our fee on a completed Order. Review Fee: the fee paid by a User who opens an Order Dispute.
• Order: a Request for which an Offer has been accepted and the Escrow funded. User Agreement: the contract between the Requester and the Traveler for an Order (section 9).
• Escrow Program: the Chord Express smart-contract program deployed on the Solana blockchain. Escrow: the program-controlled accounts that hold an Order’s funds. Wallet: the self-custodial Solana wallet associated with your account.
• Venue: an independent business registered to witness handovers. Attestation: a Venue’s signed on-chain statement that a User was present or that a handover took place.
• Order Dispute: a disagreement between a Requester and a Traveler about an Order, opened through the Service. Reviewer: the person or key authorised to decide Order Disputes.

Chord Express provides marketplace software and settlement infrastructure. The Service lets Requesters and Travelers find each other, communicate, agree the terms of an Order, and settle payment through the Escrow Program.

The Requester and the Traveler contract directly with each other. The Traveler independently purchases, owns, transports, imports and hands over the item. Chord Express is not a party to that arrangement.

We do not select, inspect, handle, store, ship or take possession of any item. We do not choose which Traveler fulfils which Request. We do not set the Item Price or the Reward. Users decide for themselves whether to deal with one another.

To be precise about the role we do not play, Chord Express is not, and does not act as:

• a retailer, seller, reseller, purchaser or distributor of any item;
• the agent, representative, employer or partner of any Requester, Traveler or Venue;
• a courier, carrier, postal operator, freight forwarder, logistics provider or warehouse;
• a customs broker, importer, exporter, importer of record, exporter of record, declarant or customs representative;
• an insurer, or a guarantor of any User’s performance, identity, honesty or solvency;
• a bank, payment institution, money transmitter or custodian of your funds (see section 12); or
• a legal, tax, customs, financial or investment adviser.

Nothing we say or show in the Service changes this. In particular, a category, badge, rating, estimate, warning or the absence of a warning is not a statement that an item or a User has been checked, approved or cleared by us.

You sign in through our authentication provider, Privy, which creates a self-custodial Wallet for your account. We never hold your Wallet’s private keys and cannot recover them, move your funds, or sign transactions for you. Keeping access to your sign-in method secure is your responsibility, and you are responsible for everything done through your account.

You must give us accurate information and keep it up to date. One person may hold one account. You may not transfer, sell or share your account, or create a new account to avoid a restriction.

Some Users choose to complete identity verification through a third-party provider, shown as a verification badge, and a Requester may limit Offers on a Request to verified Travelers. A badge means only that the third-party provider reported a successful check on that Wallet. It is not our guarantee of who a User is or how they will behave. We may require verification, or further information, before allowing you to use some or all of the Service.

Posting a Request is free and moves no money. A Request must describe the item truthfully and completely, including its exact variant, quantity and condition, a realistic Item Price, the destination and the delivery window. Requests are public (see the Privacy Policy).

You may post a Request only for an item that may lawfully be bought, exported, carried, imported and received on the route in question, and that complies with the Prohibited and Restricted Items Policy. A Request that we have not removed has not been checked or approved by us. You may withdraw a Request at any time before you accept an Offer. We may, but are not obliged to, remove a Request that has not been accepted (section 21).

A Traveler makes an Offer by proposing a Reward and locking a Bond in the Escrow Program. The Bond is a fixed percentage of the Item Price plus the Reward, set by the Escrow Program and shown before the Traveler commits. It is returned if the Offer is withdrawn, rejected or lapses.

Before making an Offer, the Traveler must satisfy themselves that the item may lawfully be bought, exported, carried through every transit country and imported at the destination, and that they will make every declaration and pay every duty and tax that applies. By making an Offer, the Traveler confirms that they have done so, that they are genuinely making the journey, that they have the funds to buy the item, and that they can meet the delivery window. A Request is not an assurance by the Requester or by us that the item is permitted. A Trip listing is an invitation to Requesters, not a commitment to carry any particular item.

When a Requester accepts a Traveler’s Offer and the Escrow is funded, a binding User Agreement is formed directly between that Requester and that Traveler on the terms recorded for the Order. Chord Express is not a party to the User Agreement.

The material terms of each User Agreement are:

• the item, including its variant, quantity and condition;
• the Item Price, being the most the Traveler may spend on the Requester’s account;
• the Reward;
• the destination and the delivery window;
• how and where the handover will take place;
• who bears the economic cost of any customs duty, tax or fee. Unless the Users expressly agree otherwise in the Order record, the Reward is deemed to include it and the Traveler bears it (section 17);
• the Bond; and
• these Terms, to the extent they govern the relationship between Users.

Users may agree additional terms between themselves through the in-app messages, provided those terms do not conflict with these Terms or the law. We do not enforce side arrangements, and payments made outside the Service are not protected by the Escrow.

The Traveler purchases the item in the Traveler’s own name, with the Traveler’s own funds, from a legitimate merchant of the Traveler’s choosing. The Traveler does not buy as the agent of the Requester or of Chord Express. Funds in Escrow are not advanced to the Traveler to make the purchase.

The Traveler must buy the item new and genuine unless the Order says otherwise, must not pay more than the Item Price without the Requester’s agreement, and must submit the purchase and possession evidence the Service asks for. The Traveler must personally know what they are carrying and must never accept a pre-packed or sealed item from the Requester or anyone else.

Unless applicable law requires otherwise:

1. The Traveler, and not the Requester or Chord Express, owns the item from the moment of purchase until the agreed handover to the Requester is complete. Ownership passes to the Requester at handover.
2. Risk of loss, theft, damage, delay, confiscation, seizure or destruction of the item remains with the Traveler until the handover is complete.
3. The Traveler must keep evidence of purchase, including the original merchant receipt where reasonably available, and must produce it to the Requester, to the Reviewer in an Order Dispute, and to any authority entitled to see it.
4. Chord Express never owns, possesses or controls any item, and never bears risk in any item.

If an item is lost, seized or destroyed before handover, the Traveler has not performed the User Agreement. What happens to the Escrow is then determined under sections 22 and 23.

When a Requester accepts an Offer, the Requester’s Wallet transfers the Item Price, the Reward and the Service Fee into the Escrow, and the Traveler’s Bond moves into the same Escrow. Accepted currencies are shown in the Service; at the date of these Terms, Orders settle in USDC on Solana.

We do not hold your funds. Funds sit either in your own Wallet or in accounts controlled by the Escrow Program. They move only when the program’s rules are met by a transaction signed by an authorised party:

• Completion. The Requester confirms receipt, or a Venue witnesses the handover (section 15). The Traveler receives the Item Price, the Reward and their Bond. We receive the Service Fee.
• Agreed settlement. The Users agree, through the Service, how to divide the Escrow.
• Cancellation or timeout under section 22.
• An Order Dispute decision under section 23.

Nothing releases automatically. Each of these outcomes requires someone to submit a transaction; the Service prompts the relevant User to do so. The Service Fee is charged only when an Order completes. On every other outcome it is returned to the Requester.

Our control over the Escrow Program. We want to be exact about this. The Escrow Program is upgradeable, and we hold the authority to upgrade it. We also hold an administrative authority that can change the Service Fee within a ceiling fixed in the program, change where fees are sent, appoint or replace the Reviewer, register or deactivate Venues and currencies, and remove Requests that have not yet been accepted. The administrative authority has no instruction that moves, freezes or redirects funds in an accepted Order; those funds move only as described above. Because the program is upgradeable, this could be changed by an upgrade. We will not use an upgrade to take Users’ escrowed funds. We do not describe the Escrow Program as immutable, autonomous or trustless, and you should not treat it as such.

The Bond secures the Traveler’s performance. It is returned to the Traveler when the Order completes, when an Order is unwound for a timeout without fault being found, and when a Reviewer decides in the Traveler’s favour or cancels the Order neutrally.

The Bond, or part of it, is forfeited to the Requester when:

• the Traveler abandons an accepted Order;
• the Traveler fails to attend an agreed handover and the Requester claims a no-show; or
• a Reviewer orders a refund to the Requester and applies a penalty to the Bond.

A forfeited Bond is paid to the Requester. Chord Express never receives any part of a Bond.

Users arrange the handover between themselves. Meet in a public place; Venues exist for this purpose. The Requester must inspect the item at the handover. By confirming receipt, the Requester accepts the item as delivered and authorises release of the Escrow to the Traveler. Confirmation is final and cannot be reversed by anyone, including us.

If a User fails to attend an agreed handover within the agreed window, the User who did attend may claim a no-show through the Service, which settles the Escrow, including the Bond, in their favour. You attend handovers at your own risk. We are not present, and we are not responsible for the conduct of any User or third party.

Venues are independent businesses. They are not our employees, agents or partners, and we are not responsible for their premises, staff, acts or omissions. We register Venues after our own checks and may deactivate a Venue at any time, including for Orders already in progress.

A Venue may attest on-chain that a User was present and that a handover took place. A Venue never takes custody of funds. You agree that once a Venue has witnessed a handover, the Escrow may be released to the Traveler by anyone submitting the settlement transaction, without further confirmation from the Requester, and that an Attestation may be relied on as evidence in an Order Dispute. A Venue may not witness an Order to which it is a party.

The Traveler is the person who brings the item across the border. The Traveler alone is responsible for complying with the customs, import, export, border, aviation-security and product laws of the country of purchase, every country of transit and the country of destination. In particular:

1. The Traveler must determine for themselves whether the item must be declared and whether any licence, permit, certificate or registration is required, and must make every declaration the law requires.
2. The Traveler is solely responsible for every statement, declaration and document they give to customs, border, aviation, police, tax or other officials, and for the consequences of it.
3. The Traveler must not misdescribe, conceal or fail to declare an item, or misstate its value, quantity, condition, origin, purpose, ownership or the nature of the transaction. The Traveler must not describe a purchased item as a gift or as a used personal belonging when it is not, remove packaging or tags to disguise that an item is new, or split goods to stay under an allowance.
4. The Traveler must determine and pay all duties, tariffs, VAT, sales tax, import taxes, excise and fees that fall due. Who bears their economic cost as between the Users is governed by section 17, but the obligation to the authorities is always the Traveler’s.
5. Any seizure, confiscation, fine, penalty, additional tax, interest, storage charge or prosecution arising from the Traveler’s carriage of the item is the Traveler’s responsibility.
6. The Traveler has no authority to make any statement or commitment on behalf of Chord Express, and must not tell any official or third party that they act for, are employed by, or are carrying goods for Chord Express.

The Requester is responsible for ensuring that the item may lawfully be imported into, possessed and used in the destination country, for holding any licence the Requester personally needs, and for telling the Traveler everything relevant that the Requester knows about the item. A Requester must never ask, encourage or reward a Traveler to avoid a declaration, understate a value or otherwise evade customs or tax law.

Chord Express does not check, and is not obliged to check, whether any item may lawfully be carried on any route; does not make declarations for anyone; does not act as importer, exporter, importer of record, exporter of record, declarant or customs representative; does not pay or collect duties or taxes on items; and does not determine whether an item is admissible. We do our best to keep prohibited items off the Service, but nothing we do relieves the Traveler of the duty to check and comply. We do not represent or guarantee that any duty-free allowance, personal-use exemption, low-value relief or simplified passenger procedure applies to an Order. Such reliefs commonly do not apply to goods carried for another person or for reward, and it is for the Traveler to find out. We do not give customs advice (section 21).

The Item Price is the amount allowed for buying the item. Unless the Users expressly agree otherwise in the Order record before the Offer is accepted, the Reward is deemed to include every duty, tax and fee payable to bring the item to the destination, and the Traveler bears that cost. A Traveler who expects duty to be payable should price it into the Offer or agree its treatment in advance.

You are solely responsible for determining, reporting and paying any tax that applies to you because of your use of the Service, including income tax on Rewards, sales or use tax, VAT, and tax on disposals of digital assets. We may be required by law to collect or report information about your activity to tax authorities.

The Prohibited and Restricted Items Policy forms part of these Terms. It lists items that may never be requested or carried, and items whose treatment depends on the route. We may update it at any time.

That Policy is a minimum standard, not a statement of the law. An item that is not listed may still be unlawful or restricted on your route. It is the Traveler’s responsibility to check, before making an Offer, whether an item may lawfully be carried on the route, and the Requester’s responsibility not to ask for anything unlawful. We do our best to keep prohibited items off the Service, but we do not check items for you, nothing we do or omit to do relieves you of that responsibility, and a listing that has not been removed has not been approved by us.

Each time you use the Service, you represent, warrant and undertake to us and to every other User that:

1. you meet the eligibility requirements in section 2;
2. all information you provide is true, accurate, current and not misleading;
3. you are acting for yourself, and not on behalf of or for the benefit of a sanctioned person, and the funds you use are lawfully yours and are not the proceeds of crime;
4. every Request, Offer, Order and item you are involved in is lawful at origin, in transit and at destination;
5. you will not request, encourage, facilitate or take part in any evasion of customs, tax, import, export or sanctions law, and will not misrepresent an item’s nature, value, quantity or classification;
6. no item you request or carry is stolen, counterfeit, pirated, or infringes anyone’s rights;
7. as a Traveler, you will comply with your airline’s and airports’ baggage, battery, dangerous-goods and security rules, and will carry only items you have personally bought and inspected;
8. you hold, and will keep, every licence, permit, certificate and registration your activity requires;
9. you will not use the Service to carry on a commercial importing, exporting, courier, freight, money-transfer or resale business that requires authorisation, unless you hold that authorisation and have told us; and
10. you will comply with these Terms and with all laws that apply to you.

You must not, and must not help anyone else to:

• launder money, finance terrorism, evade sanctions or use funds derived from crime;
• defraud, deceive, threaten, harass, stalk, discriminate against or endanger another person;
• post false, misleading or duplicate listings, or impersonate anyone;
• submit false, altered or borrowed receipts, photos, locations or other evidence;
• manipulate reviews, ratings, Attestations or verification, or collude with a Venue or another User;
• take an Order outside the Service to avoid the Escrow or our fees, or use the Service to move value with no genuine item or journey behind it;
• interfere with, probe, overload, scrape or reverse engineer the Service or the Escrow Program, exploit a bug rather than report it, or abuse sponsored network fees;
• open or use more than one account, or an account that is not yours; or
• use the Service in any way that breaks the law or these Terms.

We have no obligation to monitor the Service, but we may do so. To protect Users, the Service and the public, and to comply with the law, we may at our discretion:

• review Requests, Trips, Offers, profiles, reviews, evidence and other content;
• review messages between Users where that is necessary for trust and safety, to decide an Order Dispute, or to comply with the law;
• use automated systems, including machine-learning models, to classify items, detect potentially prohibited activity and assign risk indicators;
• hold, flag, restrict, hide or remove any content, and prevent a Request or Offer from being created;
• ask you for documents or information, such as receipts, proof of identity or proof of a journey;
• pause or restrict your account, and remove a Request that has not been accepted. Once an Order is funded, we cannot cancel it or move its funds ourselves; it ends only as sections 12, 22 and 23 describe;
• investigate suspected breaches, and keep records and evidence for as long as we reasonably need them;
• respond to lawful requests from, and report suspected unlawful activity to, law-enforcement, customs, tax and regulatory authorities; and
• suspend or permanently ban a User, and prevent them from opening replacement accounts.

If we do not detect, flag or remove something, that does not mean we have approved, endorsed or verified it, or that we accept any responsibility for it.

Automated information is not advice. Any automated classification, warning, risk indicator, estimate, translation, item category, tariff or allowance reference, or other information we provide is for information and trust-and-safety purposes only. It is not legal, customs, tax or regulatory advice, and it does not replace your own obligation to determine and comply with the law. Automated screening produces false positives and false negatives.

Human review. If an automated decision restricts your content or account and you think it is wrong, you may ask for a person to review it by emailing support@chordexpress.com. The Privacy Policy explains your rights in more detail.

The Escrow Program provides the following ways for an Order to end without completing:

• Before acceptance. A Requester may withdraw a Request, and a Traveler may withdraw an Offer and recover the Bond, at any time before acceptance. No funds have been escrowed by the Requester at that point.
• No progress. If the Traveler has not shown that they have the item and are ready within the no-progress period after acceptance, the Requester may unwind the Order. Each User gets their own money back.
• Missed delivery window. If the handover has not happened by the end of the delivery window plus a grace period, either User may unwind the Order. Each User gets their own money back, and no penalty is applied to the Bond.
• Abandonment. A Traveler may abandon an accepted Order at any time. The Requester is refunded in full and receives the Traveler’s Bond.
• No-show at an agreed handover (section 14).
• Agreed settlement. The Users may agree any division of the Escrow between themselves.

The periods that apply are fixed in the Escrow Program and shown in the Service for each Order. At the date of these Terms the no-progress period is 72 hours and the delivery grace period is 24 hours.

This section is about disputes between a Requester and a Traveler over an Order’s Escrow. Disputes between you and Chord Express are dealt with in section 32. They are different things.

Users should first try to resolve a problem directly, using the in-app messages and the agreed-settlement option. If that fails, either User may open an Order Dispute by paying the Review Fee. While an Order Dispute is open, the Escrow is frozen except for a Reviewer decision, an agreed settlement, or the unwind described below.

The Reviewer considers the Order record, which may include the listing, messages, purchase and possession evidence, location and check-in records, and Attestations, and may:

• find the evidence satisfactory, so the Order continues;
• require the Traveler to correct the evidence;
• refund the Requester, with or without a penalty applied to the Bond, the penalty being paid to the Requester;
• cancel the Order neutrally, returning each User’s own money;
• release the Escrow to the Traveler; or
• divide the Escrow between the Users in any proportions.

The Review Fee is not refundable, whatever the outcome, and the Reviewer is paid the same whichever way they decide. If the Reviewer has not decided within 30 days, either User may unwind the Order so that each gets their own money back. There is no appeal within the Service from a Reviewer’s decision.

What a Reviewer’s decision is, and is not. You agree that the Reviewer’s decision is final as to how the Escrow is distributed by the Escrow Program. The Reviewer is not a court, tribunal or arbitrator. The Reviewer does not decide who legally owns an item, whether a User has broken the law, who is liable for customs duties or penalties, or any claim for damages. A decision does not affect any legal right or remedy that one User may have against the other, which they remain free to pursue between themselves, and it does not affect any right the law does not allow you to give up.

The Reviewer is appointed by us and may be our employee or contractor. We do not act as the agent of either User in an Order Dispute, and to the fullest extent the law allows, neither we nor the Reviewer are liable for a decision made in good faith.

Current rates are published at Fees, which reads them directly from the Escrow Program, and are shown to you before you commit funds.

• Service Fee. Paid by the Requester on top of the Item Price and Reward. It is fixed for an Order at the moment the Offer is accepted, so a later change never affects an Order already under way. It is charged only if the Order completes, and the Escrow Program prevents it from exceeding 10%.
• Review Fee. Paid by the User who opens an Order Dispute. It is the greater of a fixed minimum and a percentage of the Item Price plus Reward, and it is not refundable.
• Network fees. We currently sponsor Solana network fees, and the refundable account deposits that some actions need, for ordinary use of the Service. This is discretionary and subject to limits. We may change or withdraw it, in which case you pay these costs from your own Wallet.
• Third-party fees. Providers you use to add, swap or withdraw funds charge their own fees under their own terms.

Fees are stated exclusive of any tax that applies. Except where these Terms say otherwise, fees are not refundable.

The Service depends on, and links to, services we do not control. These include our authentication and wallet provider, blockchain networks and the infrastructure providers that relay transactions, the issuer of any stablecoin you use, providers that let you buy, swap or sell digital assets, identity-verification providers, notification providers, and mapping providers. Your use of them is governed by their own terms and privacy policies. We are not responsible for their availability, accuracy, security, fees, acts or omissions. Where a third party offers you a service through our interface, such as buying or swapping digital assets, your contract for that service is with the third party and not with us.

By using the Service you understand and accept that:

• Public and permanent. Transactions are recorded on a public blockchain, are visible to anyone, and cannot be edited or deleted.
• Irreversible. A finalised transaction cannot be reversed by us or anyone else. Funds sent to the wrong address, or released from Escrow, cannot be recalled by us.
• Software defects. The Escrow Program and the software it depends on may contain bugs or vulnerabilities, and may be attacked, which could cause funds to be lost, locked or misdirected.
• Upgrades and administration. We can upgrade the Escrow Program and hold the administrative powers described in section 12.
• Network conditions. Solana may suffer outages, congestion, forks or reorganisations, and transactions may fail, be delayed or be processed in an unexpected order. A deadline may pass while the network is unavailable.
• Stablecoin risk. USDC is issued and controlled by a third party. It may lose its peg, and its issuer can freeze or block balances, including balances held in Escrow, which we cannot prevent or undo.
• Wallet access. Your Wallet is self-custodial. If you lose access to your sign-in method, or your account or device is compromised, you may permanently lose your funds. We cannot recover them.
• Dependencies. The Service relies on our wallet provider and on transaction-relay infrastructure. If they are unavailable, you may be unable to act through our interface in time.
• Law and regulation. The legal treatment of digital assets is uncertain and changing, and may affect your ability to use the Service or the value of your assets.

Nothing in the Service is investment, financial, legal or tax advice. We do not pay interest on, insure or guarantee any digital asset.

You keep ownership of the content you submit, such as listings, photos, messages and reviews. You grant us a worldwide, non-exclusive, royalty-free, sublicensable licence to host, store, reproduce, adapt, translate, display and distribute that content for the purposes of operating, securing, improving and promoting the Service, and of deciding Order Disputes. The licence ends when the content is deleted from our systems, except for content that is public, shared with others, recorded on a blockchain, or that we need to keep for legal or safety reasons. You confirm that you have the right to grant this licence and that your content does not infringe anyone’s rights.

The Service, including its software, design, text, graphics and trade marks, belongs to us or our licensors. We grant you a limited, revocable, non-transferable licence to use it as these Terms permit. If you send us feedback, we may use it without restriction or payment. To report content that infringes your rights, email legal@chordexpress.com.

The Service is provided “as is” and “as available”. To the fullest extent the law allows, we exclude all warranties, conditions and representations, whether express, implied or statutory, including those of satisfactory quality, merchantability, fitness for a particular purpose, title, non-infringement, accuracy and uninterrupted or error-free operation.

We make no promise, and accept no responsibility, regarding:

• the identity, honesty, competence, solvency or conduct of any User or Venue;
• the existence, quality, safety, authenticity, condition, legality or description of any item, or any manufacturer’s warranty, which may not apply in the destination country;
• whether an item will clear customs, or what duty or tax will be charged;
• whether a Traveler will travel, buy the item, or arrive on time, including because of flight disruption;
• the accuracy of any listing, review, rating, badge, Attestation, estimate, translation or price conversion; or
• the accuracy of any automated classification, warning or risk indicator.

To the fullest extent the law allows, the entire risk arising from your dealings with other Users remains with you.

What we do not exclude. Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be excluded or limited. If you are a consumer, you also keep the rights that the law of the country where you live says cannot be taken away by contract.

Subject to that, we are not liable for any loss or damage arising from or connected with:

• the acts, omissions, statements or defaults of any User, Venue or other third party;
• any item, including its being lost, stolen, damaged, delayed, counterfeit, defective, unsafe, unlawful, or seized, confiscated or destroyed by any authority;
• any customs, import, export or tax matter, including duties, taxes, fines and penalties, and any statement made to an official;
• travel disruption, including delayed, cancelled or missed flights and lost baggage;
• personal injury or property damage arising from a meeting between Users, except as stated above;
• the matters described in section 26, including smart-contract defects, network failures, forks and reorganisations, failed or delayed transactions, stablecoin de-pegging or freezing, and loss of or unauthorised access to your Wallet;
• third-party services, including wallet, relay, on-ramp, off-ramp, swap and identity-verification providers;
• an incorrect, late or missing Attestation, or a Reviewer’s decision made in good faith;
• any automated classification, warning or moderation decision, or the absence of one;
• unavailability, suspension or withdrawal of the Service, or loss or corruption of data; or
• events outside our reasonable control (section 33).

Subject to the first paragraph of this section, we are not liable, whether in contract, tort (including negligence), breach of statutory duty or otherwise, for any loss of profit, revenue, business, opportunity, goodwill or anticipated savings, for any loss of or fluctuation in the value of digital assets, or for any indirect, special, consequential, exemplary or punitive loss.

Subject to the first paragraph of this section, the total liability of Chord Express, and of its affiliates, directors, officers, employees, contractors and agents, to you for all claims arising from or connected with the Service or these Terms is limited to the amount you paid us in Service Fees in the six months before the events giving rise to your claim or, if you paid no such amount, US$150.

These limits reflect the fact that we provide software, are not a party to User Agreements, do not handle items, and charge fees that are small relative to the value of Orders.

To the fullest extent the law allows, you will release, defend, indemnify and hold harmless Chord Express, its affiliates, and their directors, officers, employees, contractors and agents from and against all claims, demands, proceedings, investigations, losses, damages, fines, penalties, duties, taxes, costs and expenses (including reasonable legal fees) arising from or connected with:

• any Request, Offer, Order, User Agreement or item you are involved in;
• any breach or alleged breach of customs, import, export, sanctions, tax, aviation-security or product law in connection with your activity, and any statement you make to an official;
• any duty, tax, fine or penalty assessed in connection with an item you requested or carried;
• bodily injury, death or property damage arising from your acts or omissions, or from an item;
• any dispute between you and another User, a Venue or another third party;
• any prohibited or restricted item;
• your content, including any claim that it infringes someone’s rights or is unlawful;
• your breach of any law; or
• your breach of these Terms, including any representation or warranty in section 19.

We may take over the defence of any claim covered by this section, in which case you will co-operate with us. You may not settle such a claim without our written consent.

Release. Because we are not a party to User Agreements, if you have a dispute with another User, a Venue or any other third party, you release Chord Express, its affiliates, and their directors, officers, employees, contractors and agents from all claims, demands and damages of every kind, known and unknown, arising from or connected with that dispute. If you are a consumer, this section applies only to the extent permitted by the mandatory law of the country where you live, and does not make you liable for loss caused by our own breach or negligence.

You may stop using the Service at any time, and may ask us to close your account by emailing support@chordexpress.com. We may suspend, restrict or terminate your access, in whole or in part, at any time, with or without notice, if we reasonably believe that you have breached these Terms, that your activity creates risk or possible legal exposure for us or others, that the law requires it, or if we stop offering the Service.

Outstanding Orders. Closing or suspending an account does not cancel an Order or release anyone from a User Agreement. Funds in Escrow remain governed by the Escrow Program and end up where sections 12, 22 and 23 direct them. Because your Wallet is self-custodial, funds in it remain yours and under your control; if we restrict your access to our interface you can still reach your Wallet through our wallet provider.

Sections 4, 5, 9 to 11, 16, 17, 19, 21, 23 and 26 to 34, and any other provision that by its nature should survive, continue to apply after these Terms end.

This section is about disputes between you and Chord Express. Order Disputes between Users are dealt with in section 23.

Informal resolution first. Before starting legal proceedings, you agree to try to resolve the dispute with us informally by emailing legal@chordexpress.com with your name, the email address or Wallet address of your account, a description of the dispute and the relief you seek. If we cannot resolve the dispute within thirty (30) days of when you start informal dispute resolution, either of us may start proceedings.

Governing law. These Terms, the relationship between you and us, and any dispute or claim arising from or connected with them or the Service, including non-contractual disputes and claims, are governed by the law of England and Wales.

Courts. The courts of England and Wales have exclusive jurisdiction over any such dispute or claim, subject to the next paragraph.

If you are a consumer, you also benefit from any mandatory provisions of the law of the country where you live, and nothing in these Terms affects your right to rely on them. The jurisdiction of the courts of England and Wales is not exclusive for you: you may bring proceedings in the courts of the country where you live, including Scotland or Northern Ireland if you live there.

Individual claims. To the extent the law allows, you and we agree to bring claims against each other only on an individual basis, and not as a claimant or class member in any collective or representative proceeding.

Time limit. To the extent the law allows, any claim or cause of action arising out of or related to the Service or these Terms must be brought within one (1) year after it arose.

• Independent parties. Users act independently and on their own behalf. Nothing in these Terms creates any employment, agency, partnership, joint venture, fiduciary, franchise, carrier, bailment, freight-forwarding or similar relationship between you and us, or makes either of us liable for the other’s acts. You have no authority to bind us or to make any statement on our behalf.
• Entire agreement. These Terms and the documents they incorporate are the whole agreement between you and us about the Service, and replace any earlier version or understanding. You have not relied on any statement that is not set out in them.
• Changes. We may change these Terms and the documents they incorporate. We will post the new version here with a new date. Amendments take effect no sooner than 30 days after we post them for existing Users, and immediately for anyone who joins after they are posted. Changes do not apply to an Order that was accepted before they took effect, except where the law requires. If you keep using the Service after a change takes effect, you accept it. If you do not agree, stop using the Service.
• Severability. If any provision is found to be unlawful or unenforceable, it will be enforced to the extent possible and the rest of these Terms will continue to apply.
• No waiver. If we do not enforce a right, or delay in doing so, we do not give it up.
• Assignment. You may not transfer your rights or obligations under these Terms without our written consent. We may transfer ours, including to a company in our group or to a successor to our business, provided that this does not reduce your rights.
• Third-party rights. Except for the persons named in sections 29 and 30, nobody other than you and us has any right to enforce these Terms, including under the Contracts (Rights of Third Parties) Act 1999. This does not prevent one User from enforcing a User Agreement against another.
• Events outside our control. We are not responsible for a failure or delay caused by events beyond our reasonable control, including natural disasters, epidemics, war, terrorism, civil unrest, acts of government, labour disputes, failures of power, internet, hosting or blockchain networks, and the acts of third-party providers.
• Electronic communications and notices. You agree that we may contract and communicate with you electronically, by email, in-app message or notification, and that this satisfies any requirement for writing. Keep your contact details current. Send legal notices to us at legal@chordexpress.com, or by post to Saving Circles Ltd, 82a James Carter Road, Mildenhall, Bury St. Edmunds, England, IP28 7DE, marked for the attention of Legal.
• Language and headings. These Terms are written in English. If we provide a translation, the English version prevails to the extent the law allows. Headings are for convenience only.

Saving Circles Ltd, a company incorporated in England and Wales with company number 16194867, whose registered office is at 82a James Carter Road, Mildenhall, Bury St. Edmunds, England, IP28 7DE.

• Support and human review of moderation decisions: support@chordexpress.com
• Legal notices and intellectual-property complaints: legal@chordexpress.com
• Privacy and data-protection requests: privacy@chordexpress.com