Terms of Use
Last updated: July 07, 2025.
Holders: Card & Wallet is a software service accessible via a mobile device application and a browser service for the TON Network (the "Network") distributed by Holders Apps LTD (United Kingdom, Company Number 16436542, legal address: Suite 11 Fitzroy House, Lynwood Drive, Worcester Park, Surrey KT4 7AT) (hereinafter referred to as "we", "us", "our", or the "Company"). The App enables users to self-custody digital assets; access a digital asset browser and link to decentralized applications and decentralized exchanges; view addresses and information that are part of digital asset networks and broadcast transactions, as well as use additional services provided by partners and any further functionality we may add to the App from time to time (collectively, the "App").
The App enables users to:
  • self-custody digital assets;
  • access a digital asset browser and link to decentralized applications and decentralized exchanges;
  • view addresses and information that are part of digital asset networks and broadcast transactions;
  • use additional services provided by Partners;
  • access additional functionality as the Company may add to the App from time to time (collectively, the "App" or "Holders" or "Holders Wallet").
The Company may provide access to third parties ("Partners") to provide services through the App. These Terms describe the terms that govern your use of all versions of the App. Additional information about the App can be found on the Site.
By clicking "I Agree" or by accessing the App or using any or all of the Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services.
Definitions
  • Intellectual Property: any intellectual and industrial property rights owned by the Company, such as trademarks, service marks, logos, copyrights and related rights, know-how, research, publications, agreements, trade and trade names, etc.
  • Account: a personal or business account opened with the App which you can use to access the Services.
  • Personal Data: any information necessary to verify your identity, use the Services, and comply with regulatory requirements.
  • Card: a virtual or physical card issued by Partners, which may be used in certain jurisdictions in relation to the Services.
  • Wallet: the User's cryptocurrency wallet, which can be accessed through the App.
  • Cryptocurrency: a digital representation of value that does not have the legal status of currency or money, is not issued or guaranteed by a central bank or any other government body, is not necessarily tied to a currency, but is accepted by individuals or legal entities as a medium of exchange, and can be transferred, stored, and sold electronically.
  • Site: the Holders website located at https://holders.cards
Privacy Policy
Please refer to our Privacy Policy for information on how we collect, use, and disclose information from our users. Your use of the Services is subject to, and we may collect, use, and/or disclose your information (including any personal data you provide to us) in accordance with, our Privacy Policy.
Services Description
The Company or Partners are exclusively entitled to decide on functionality, the use, subject matter, and the range of the Services as well as to cease rendering the Services. The Company is exclusively authorized to decide on the contents and the nature of the Services as well as to freely add, change, or remove particular elements. The use of any new Services, after the User has accepted these Terms, shall be subject to its provisions.
Wallet Services
Holders wallets allow users to store, send, and receive supported cryptocurrencies.
Withdrawals and Deposits
You can deposit cryptocurrency into your wallet and withdraw cryptocurrency from your Wallet. Cryptocurrencies may be deposited from another wallet held by you or a third party. You can withdraw cryptocurrencies to another wallet owned by you or a third party. When withdrawing funds, you are responsible for ensuring that the entered wallet address is correct and valid, otherwise the funds may be lost forever. Your wallet must have enough funds to process transactions, including any applicable fees. The Company is not responsible for and will not reimburse you for any loss or damage if you have provided an incorrect wallet address.
Card Issue
You can order a card provided by Partners. Detailed information about the conditions and tariffs is available on the website or in the App.
Who May Use the Services
Eligibility
If you are under the age of majority in your jurisdiction of residence, you may use the Site or Services only with the consent of or under the supervision of your parent or legal guardian. By granting your minor permission to access the Site or Services, you agree to these Terms on behalf of your minor and are responsible for supervising their online activities. If you do not agree to these Terms, do not let your minor use the Site or Services.
The rules for gaining access to the card ordering service provided by Partners may differ from the rules established by this paragraph. The issuance of Partners' cards is carried out in accordance with the policies and rules established by the Partners.
Registration and Your Information
If you wish to use the Services, you will need to create an account ("Account") through the App. You agree that:
  • you will not disclose your credentials to anyone and will immediately notify us of any unauthorized use of your Account;
  • you are not a citizen or resident of a country subject to sanctions, according to the latest lists of the US Office of Foreign Assets Control (OFAC), the United Nations, the European Union and any EU member state, the UK Treasury, etc.;
  • you are not identified as a "Designated National" and are not on the U.S. Department of Commerce's List of Prohibited Persons.
You are responsible for all activities that occur under your Account, or are otherwise referable to your Account credentials, whether or not you know about them. We reserve the right to suspend or terminate your Account if you provide inaccurate, untrue, or incomplete information, or if you fail to comply with the Account registration requirements or these Terms.
You are solely responsible for the retention and security of your 24-word recovery phrase ("Recovery Phrase"). Your Recovery Phrase is the only way to access the cryptocurrency associated with your Account. Anyone with access to your Recovery Phrase can access your cryptocurrency. If you lose your Recovery Phrase, you will not be able to access your cryptocurrency. You acknowledge that the Company does not store and is not responsible in any way for the security of your Recovery Phrase and you agree to hold the Company harmless and that the Company shall not be liable in any way in the event you lose your Recovery Phrase and cannot access your cryptocurrency.
Feedback
We welcome feedback, comments, ideas, and suggestions for improvements to the Services ("Feedback"). You can submit Feedback by contacting us at contact@holders.cards. You grant us a non-exclusive, worldwide, perpetual, irrevocable, fully-paid, royalty-free, sublicensable and transferable license under any and all intellectual property rights that you own or control to use, copy, modify, create derivative works based upon and otherwise exploit the Feedback for any purpose.
Content Ownership, Responsibility and Removal
  • Content means text, graphics, images, music, software, audio, video, works of authorship of any kind, and information or other materials that are posted, generated, provided or otherwise made available through the Services.
  • User Content means any Content that Account holders (including you) make available through the Services.
We do not claim any ownership rights in any User Content and nothing in these Terms will be deemed to restrict any rights that you may have to use and exploit your User Content. Subject to the foregoing, the Company and its licensors exclusively own all right, title and interest in and to the Services and Content, including all associated intellectual property rights. You acknowledge that the Services and Content are protected by copyright, trademark, and other laws of the United Kingdom and foreign countries. You agree not to remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Services or Content.
Rights in User Content Granted by You
To operate and provide our Services, you grant us a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, copy, distribute, create derivative works of, display, and perform the User Content that you upload, submit, store, send, or receive on the App or through our Services. The rights you grant in this license are for the limited purpose of operating and providing our Services. You warrant and represent that you have the right and authority to submit your User Content and that the User Content does not infringe the intellectual property rights or any other rights of any third party. In certain instances, where you have removed your User Content by specifically deleting it, some of your User Content (such as posts or comments you make) may not be completely removed and copies may continue to exist on the Services. We are not responsible or liable for the removal or deletion of (or the failure to remove or delete) any of your User Content.
Rights in Content Granted by the Company
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to download, view, copy, display and print the Content solely in connection with your permitted use of the Services.
Rights in App, Site and Services Granted by the Company
The App, Site and Services are proprietary to the Company and its licensors and must not be used other than strictly in accordance with these Terms. The Company grants you a limited, non-exclusive, non-transferable, non-sublicensable right to use the App and Site for the purposes of accessing and using the Services in accordance with these Terms.
Fees
We may charge fees for some or part of the Services we make available to you. We reserve the right to change those fees at our discretion with notice. We will disclose the amount of fees for the applicable Service at the time you access the Service. You may incur charges from third parties for use of linked services. Third party fees are not charged by the Company and are not paid to the Company.
Acceptable Use and Enforcement Rights
You agree not to use the Services in ways that:
  • Violate, misappropriate, or infringe the rights of the Company, our users, or others, including privacy, publicity, intellectual property, or other proprietary rights;
  • Are illegal, defamatory, threatening, intimidating, or harassing;
  • Involve impersonating someone;
  • Breach any duty toward or rights of any person or entity, including rights of publicity, privacy, or trademark;
  • Involve sending illegal or impermissible communications such as bulk messaging, auto-messaging, auto-dialing, and the like;
  • Avoid, bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by us or any of our service providers or any other third party to protect the Services or Content;
  • Disguise your location through IP proxying or other methods;
  • Interfere with, or attempt to interfere with, the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, or mail-bombing the Services;
  • Violate any applicable law or regulation; or
  • Encourage or enable any other individual to do any of the foregoing.
Although we have no obligation to monitor any User Content, we have absolute discretion to remove User Content at any time and for any reason without notice. You understand that by using the Services, you may be exposed to User Content that is offensive, indecent, or objectionable. We take no responsibility and assume no liability for any User Content, including any loss or damage to any of your User Content.
You agree to comply with all applicable UK and non-UK export control and trade sanctions laws ("Export Laws"). Without limiting the foregoing, you may not download the App or use the Services if you are in, under the control of, or a national or resident of any country subject to United Kingdom embargo, UN Security Council Resolutions, HM Treasury's financial sanctions regime, or if you are on the UK Treasury's or any relevant authority’s Specially Designated Nationals List or Denied Persons List; or if you intend to supply any Services to such countries or persons.
Third Party Materials
The Services and App may contain links to third-party services and/or Dapps ("Third Party Materials"). The Services enable you to access Dapps via Holders Connect by navigating away from the App to the Dapp or by enabling a native frontend software link within the App. When using a Dapp or other Third Party Materials, you understand that you are at no time transferring your assets to us. We provide access to Third Party Materials only as a convenience, do not have control over their content, do not warrant or endorse, and are not responsible for the availability or legitimacy of, the content, products or services on or accessible from those Third Party Materials. You acknowledge sole responsibility for and assume all risk arising from your use of any third-party websites, applications, or resources.
Termination
We may terminate your access to and use of the Services, at our sole discretion, at any time and without notice to you. You may cancel your Account at any time by following the account closure instructions in the App. Upon any termination, discontinuation or cancellation of Services or your Account, (i) all rights and/or licences granted to you under these Terms shall immediately cease and terminate and you shall forthwith cease the use and/or access of the App, Site, Services and Content in any way whatsoever; and (ii) notwithstanding the foregoing, the following provisions will survive: Feedback, Content and Content Rights, Content Ownership, Responsibility and Removal (save for the subsection "Rights in Content Granted by the Company"), Termination, Warranty Disclaimers, Indemnity, Limitation of Liability, Dispute Resolution, and General Terms.
Warranty Disclaimers
YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT USE OF THE SERVICES (INCLUDING ANY PRIVATE KEY STORAGE SERVICE OFFERED AS PART OF THE SERVICES, WHETHER CLOUD OR HARDWARE-BASED) AND CONTENT IS AT YOUR SOLE RISK AND THAT THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH YOU. THE APP, SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY SPECIFICALLY DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND/OR NON-INFRINGEMENT. THE COMPANY DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT ACCESS TO THE SERVICES OR ANY OF THE MATERIALS CONTAINED THEREIN WILL BE CONTINUOUS, UNINTERRUPTED, TIMELY, OR ERROR-FREE. USE OF ANY PRIVATE KEY STORAGE SERVICE INCLUDED AS PART OF THE SERVICES IS OFFERED TO YOU AS A CONVENIENCE, SUBJECT TO THE LIMITATIONS ABOVE. TO BE SAFE, YOU SHOULD ALWAYS BACKUP YOUR PRIVATE ACCESS KEY VIA SECONDARY MEANS.
Indemnity
You will indemnify and hold harmless the Company and its officers, directors, employees and agents, from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with (i) your access to or use of the Services or Content, (ii) your User Content, (iii) Third Party Materials, or (iv) your violation of these Terms.
Limitation of Liability
TO THE MAXIMUM EXTENT NOT PROHIBITED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR DAMAGES OF ANY TYPE, WHETHER DIRECT OR INDIRECT, ARISING OUT OF OR IN ANY WAY RELATED TO YOUR USE OR INABILITY TO USE THE SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES ALLEGEDLY ARISING FROM THE COMPROMISE OR LOSS OF YOUR LOGIN CREDENTIALS OR FUNDS, OR LOSS OF OR INABILITY TO RESTORE ACCESS FROM YOUR BACKUP PHRASE, OR FOR MISTAKES, OMISSIONS, INTERRUPTIONS, DELAYS, DEFECTS AND/OR ERRORS IN THE TRANSMISSION OF TRANSACTIONS OR MESSAGES TO THE TON NETWORK, OR THE FAILURE OF ANY MESSAGE TO SEND OR BE RECEIVED BY THE INTENDED RECIPIENT IN THE INTENDED FORM, OR FOR DIMINUTION OF VALUE OF ANY DIGITAL TOKEN OR DIGITAL ASSET ON THE TON NETWORK. THE COMPANY SHALL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR ANY LOST PROFITS OR ANY SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, OR CONSEQUENTIAL DAMAGES, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH AUTHORIZED OR UNAUTHORIZED USE OF THE SERVICES, EVEN IF AN AUTHORIZED REPRESENTATIVE OF THE COMPANY HAS BEEN ADVISED OF OR KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES. THE COMPANY SHALL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR DAMAGES ARISING OUT OF OR IN ANY WAY RELATED TO SOFTWARE, PRODUCTS, SERVICES, AND/OR INFORMATION OFFERED OR PROVIDED BY THIRD-PARTIES AND ACCESSED THROUGH THE APP, SITE OR SERVICES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY FOR PERSONAL INJURY, OR OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS LIMITATION MAY NOT APPLY TO YOU. IN NO EVENT SHALL THE COMPANY'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES (OTHER THAN AS MAY BE REQUIRED BY APPLICABLE LAW IN CASES INVOLVING PERSONAL INJURY) EXCEED THE AMOUNT OF ONE HUNDRED BRITISH POUNDS (£100.00) OR ITS EQUIVALENT IN THE LOCAL CURRENCY OF THE APPLICABLE JURISDICTION.
Dispute Resolution
Governing Law, Forum and Venue
These Terms and any action related thereto will be governed by the laws of England and Wales, without regard to its conflict of laws provisions. You agree that you will resolve any claim you have with us relating to, arising out of, or in any way in connection with our Terms, the Company, or our Services exclusively in the courts located in London, United Kingdom, and you agree to submit to the personal jurisdiction of such courts for the purpose of litigating all such disputes.
The Purity of Cryptocurrency
We may use the transaction data of your wallets to transfer information to third parties to verify cryptocurrencies for actions that violate the rules for countering the laundering of proceeds from crime and the financing of terrorism or any other actions that violate the terms of the agreement or any regulatory legal acts of states (Illegal actions). If such a cryptocurrency is detected on Users' wallets, we have the right to publish data on the participation of this wallet in Illegal Actions on the Internet.
General Terms
These Terms constitute the entire and exclusive understanding and agreement between the Company and you regarding the Services and Content, and these Terms supersede and replace any and all prior oral or written understandings or agreements between the Company and you regarding the Services and Content. If any provision of these Terms is held invalid or unenforceable by a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect. You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null. We may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns. Any notices or other communications provided by us under these Terms, including those regarding modifications to these Terms, will be given by posting to the Services and/or through other electronic communication. You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, "Communications") that we provide in connection with your Account and your use of the Services. Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of the Company. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise. These Terms are written in English (U.K.). Any translated version is provided solely for your convenience. To the extent any translated version of our Terms conflicts with the English version, the English version controls.
Contact Information
If you have any questions about these Terms or the Services, please contact us at contact@holders.cards.
Contact Us
Contact us
Suite 11 Fitzroy House, Lynwood Drive, Worcester Park, England, KT4 7AT
Company number 16436542