Terms of Use

Version 5 · Effective November 14, 2026 · Replaces the version of February 3, 2023

1. About these terms

These Terms of Use ("Terms") are a binding agreement between you and BRIJ Digital Inc., a Delaware corporation, USA, which operates Espresso Cash ("BRIJ", "Espresso Cash", "we", "us"). They cover your use of the Espresso Cash mobile app, the espressocash.com website and related services (the "Service"). By creating or importing a wallet or otherwise using the Service, you accept these Terms and our Privacy Policy. If you don't agree, don't use the Service.

We may update these Terms. We'll post the new version here with a new date and, for significant changes, tell you in the app. If you keep using the Service after a change takes effect, you accept the new Terms.

2. Eligibility

To use the Service you must:

• be at least 18 years old and able to enter into a binding contract;
• not be located in, or a resident or national of, a country or region subject to comprehensive sanctions. This includes Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk and Luhansk regions of Ukraine;
• not be listed on, or owned or controlled by someone listed on, any sanctions list, such as OFAC's Specially Designated Nationals list or the UN, EU or UK sanctions lists;
• be allowed to use the Service under the laws that apply to you.

If you use the Service on behalf of an organization, you confirm that you are authorized to bind it to these Terms. Some features, such as cash top-ups and withdrawals, are available only in certain countries.

3. The Service

Espresso Cash is software that lets you:

• create and use a self-custodial smart wallet on the Solana blockchain;
• hold, send and receive digital dollars (such as USDC) and other digital assets;
• send money by link to people who don't have the app yet;
• exchange payments, requests, notes and photos with other users;
• swap assets;
• follow prices;
• reach third-party partners to add or withdraw cash;
• optionally use AI agents and connected partner apps.

Espresso Cash is not a bank. Balances in your wallet are not deposits and are not insured by the FDIC or any government scheme. Except where these Terms say otherwise, we do not hold your funds, act as your broker or advisor, or execute transactions on your behalf.

We may change, add or remove features at any time.

4. Your wallet and keys

• When you create a wallet, a recovery phrase is generated on your device. It is the only way to recover your wallet. We never have it and cannot reset it.
• You are solely responsible for keeping your recovery phrase, device and passkeys safe. Anyone who has your recovery phrase can take your funds. Never share it. Espresso Cash will never ask for it.
• If you lose your recovery phrase and your device, your funds may be lost permanently. Espresso Cash cannot recover them.
• Your wallet is a smart-contract account on Solana. Where offered, we pay the network fees for your transactions. We may stop doing so at any time; your wallet will keep working, but you may then need to pay network fees yourself.

5. Transactions

• You authorize every transaction you approve in the app, whether with a passkey, biometrics, your screen lock or the recovery phrase.
• Blockchain transactions are irreversible. We cannot cancel, reverse or refund a transaction sent to the wrong address or person.
• Payment links: anyone who has a link can claim the money it carries until it is claimed or you cancel it. Share links only with the intended person.
• Transaction times and costs depend on the Solana network, which we do not control.
• Prices, rates and quotes shown in the app are for information only. They may change before a transaction completes.

6. Fees

• Sending and receiving digital dollars between Espresso Cash users is currently free.
• Swaps include a platform fee, currently 0.5% of the swapped amount. It is shown before you confirm.
• Cash top-ups and withdrawals are priced by the partner. Its fees are included in the quote shown before you confirm.
• Hosted AI agents and paid partner subscriptions cost what is shown in the app before you agree. They are paid from the balance you set aside for them.

We may change our fees. We'll show any fee before you confirm the transaction it applies to.

7. Third-party services

Some features rely on independent third parties. These include on- and off-ramp providers (for example BRIJ and the providers it connects to, and MoneyGram), swap aggregators (for example Jupiter), the Solana network, and stablecoin issuers (for example Circle for USDC). When you use them, you may have to accept their terms and complete their identity checks. They are responsible for their own services. We do not control them and are not liable for their acts, omissions, availability or pricing. Links to third-party sites are not endorsements.

8. Agents and connected apps

• You can give an AI agent or a partner app limited access to a separate balance ("pocket"), within limits you set. You are responsible for the instructions you give, for what you authorize, and for checking anything an agent proposes before you confirm it.
• AI output can be wrong or incomplete. Check prices, dates, names and travel details before you confirm a payment or booking. Travel bookings are made through BRIJ Travel and are also governed by the BRIJ Travel Terms of Service, which include the cancellation and refund rules, together with the conditions of the airline, operator, hotel or merchant.
• You can disconnect an agent or app at any time in the app. Funds left in its pocket remain yours.

9. Your content and conduct

You keep ownership of the names, notes and photos you send ("User Content"). You give us a limited license to store, process and show your User Content only to provide the Service. You must have the rights to the User Content you share. You agree not to use the Service to:

• break any law, including anti-money laundering, counter-terrorist financing, sanctions, tax or consumer laws;
• send funds that come from crime or fraud, or to defraud, scam or deceive anyone;
• send content that is illegal, sexual content involving minors, harassing, hateful, threatening, or that violates other people's privacy or intellectual property;
• impersonate anyone or misrepresent your identity;
• spam, or send bulk or automated messages, unless an integration we offer allows it;
• hide your location to get around eligibility rules or sanctions;
• interfere with, overload, reverse engineer or bypass the security of the Service, except where the law allows it;
• resell or rent the Service without our permission.

We may remove content, limit features, or refuse to provide the Service to anyone who breaks these rules.

10. Risks

By using the Service, you understand and accept that:

• digital asset prices can be volatile, and some assets can lose all of their value;
• stablecoins can lose their peg and depend on their issuer;
• blockchains and smart contracts can have bugs, outages or attacks;
• laws on digital assets are changing and may restrict their use where you live;
• you are responsible for any taxes that apply to your transactions.

Nothing in the Service is financial, investment, legal or tax advice. Price lists and watchlists are for information only.

11. Intellectual property

The Service, including its software, design and brand, belongs to Espresso Cash or its licensors. Subject to these Terms, we give you a personal, revocable, non-exclusive, non-transferable license to use the app for its intended purpose. Parts of the software may be available under open-source licenses, which govern those parts.

12. Disclaimers

The Service is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title and non-infringement. We do not warrant that the Service will be uninterrupted, error-free or secure, or that any information in it is accurate.

13. Limitation of liability

To the fullest extent permitted by law, Espresso Cash and its officers, employees and partners will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, data, digital assets or goodwill. This includes losses caused by lost recovery phrases, unauthorized access to your device, user error, third-party services, blockchain networks or force majeure. Our total liability for all claims relating to the Service is limited to the greater of (a) the fees you paid us in the 12 months before the claim and (b) US $100.

Some jurisdictions don't allow some of these limitations. In that case they apply only as far as the law allows. Nothing in these Terms limits liability that cannot be limited by law.

14. Indemnity

You agree to indemnify and hold Espresso Cash harmless from any claims, losses and costs, including reasonable legal fees, that arise from your breach of these Terms, your misuse of the Service or your violation of any law or third-party right.

15. Suspension and termination

You can stop using the Service at any time. To remove the wallet from your phone, sign out or delete the app. Your funds stay on the blockchain and can be recovered with your recovery phrase.

We may suspend or end your access to all or part of the Service, without notice, if you break these Terms, if the law or an authority requires it, or to protect users or the Service. Because the wallet is self-custodial, ending your access to our services does not take away your control of the assets in your wallet. Sections 4, 5, 9 to 14, 16 and 17 survive termination.

16. Governing law and disputes

These Terms are governed by the laws of the State of Delaware and the federal laws of the United States, without regard to conflict-of-law rules. Before starting any legal claim, please contact us at support@brij.fi so we can try to resolve it informally. We'll acknowledge your message within 10 days and aim to resolve it within 60 days. Unless the law where you live requires otherwise, any dispute will be brought in the state or federal courts located in Delaware, and you and we consent to their jurisdiction. If you are a consumer in the EU or UK, you keep the protection of the mandatory laws of your country of residence and may bring claims in its courts.

17. General

These Terms and the Privacy Policy are the entire agreement between you and us about the Service. If any provision is found unenforceable, the rest remains in effect. If we don't enforce a right, we have not waived it. You may not transfer these Terms without our consent. We may transfer them in connection with a merger, acquisition or reorganization.

18. Contact

BRIJ Digital Inc., 8 The Green #21697, Dover, DE 19901, USA · support@brij.fi