Legal

Terms of Use

Effective 1 October 2026

1. Agreement

These Terms of Use form a legally binding agreement between you and QUANTO ORGANISATION PTE. LTD. ("Qnivo", "we", "us"). By creating an account or using Qnivo you accept these terms and our Privacy Policy and Data Policy. If you do not agree, do not use Qnivo.

2. Who can use Qnivo

You must be at least 13 years old, and old enough in your country to use online services and to agree to these terms. You must not use Qnivo if you are barred from doing so under applicable law, including sanctions laws.

3. Your account

• You are responsible for your account and for what happens on it. Choose a username that does not impersonate anyone or infringe their rights.
• Keep your PIN, password, passcode and recovery phrase private. We will never ask you for them.
• If you lose your PIN and your recovery phrase, we may be unable to restore your account or your chats.
• Tell us promptly if you believe your account has been compromised.

4. Acceptable use

You agree to use Qnivo and all of its features lawfully. You must not:

• send spam, scams, phishing or malware, or collect other people's information without permission;
• harass, threaten, bully or harm others, or share content that exploits or endangers children;
• share content that is illegal, or that infringes someone else's intellectual property or privacy;
• impersonate people or organisations, or mislead others about who you are;
• use Qnivo for money laundering, fraud, terrorist financing or to evade sanctions;
• interfere with Qnivo, probe or break its security, reverse engineer it except where the law allows, or access it with automated means we have not approved;
• access or attempt to access other people's accounts.

5. Your content

You own the content you send. You give us a worldwide, non-exclusive, royalty-free licence to store, transmit, process and display it only as needed to operate and improve Qnivo and as described in our Privacy Policy. You are responsible for the content you send and confirm you have the right to share it.

6. Safety features

Qnivo Protect, message requests and other safety features help reduce risk but cannot catch every threat. Always take care before opening links or files, sending money or sharing personal information.

7. The Qnivo Wallet

• The wallet is self-custody. Your keys are created and stored on your device and we never hold or control your funds.
• Blockchain transactions are final. We cannot cancel, reverse or refund a transaction, including one sent to the wrong person or address.
• Digital assets are volatile and may lose value. Nothing in Qnivo is financial, investment, legal or tax advice.
• The Quantova network and any third-party networks or assets are not operated by Qnivo, and we are not responsible for them. Test networks and test assets have no monetary value.
• You are responsible for complying with the laws that apply to you, including tax laws.

8. Calls and emergencies

Qnivo is not a telephone service and does not support calls to emergency services. Make sure you have another way to reach emergency services.

9. Our rights

Qnivo, its name, logo, design and software belong to us or our licensors. These terms give you a personal, non-transferable, revocable licence to use the app for its intended purpose. We may change, add or remove features over time.

10. Suspension and termination

You can stop using Qnivo and delete your account at any time. We may restrict, suspend or terminate your access if you break these terms, if the law requires it, or to protect you, other users or Qnivo. Where appropriate we will tell you why and give you a chance to respond.

11. Disclaimers

Qnivo is provided "as is" and "as available". To the extent permitted by law, we make no warranties, express or implied, including that Qnivo will be uninterrupted, error-free or completely secure, or that messages will always be delivered.

12. Limitation of liability

To the extent permitted by law, we are not liable for indirect, incidental, special, consequential or punitive damages, or for loss of data, profits, digital assets or goodwill, arising from your use of Qnivo. Our total liability for any claim relating to Qnivo is limited to one hundred Singapore dollars (SGD 100). Nothing in these terms limits liability that cannot be limited by law.

13. Indemnity

You agree to indemnify us against claims, losses and costs arising from your content, your use of Qnivo or your breach of these terms, to the extent permitted by law.

14. Governing law and disputes

These terms are governed by the laws of Singapore, and the courts of Singapore have jurisdiction over any dispute, unless the consumer laws of your country give you the right to bring a claim where you live.

15. Changes to these terms

We may update these terms. We will post the new version here with a new effective date and tell you in the app if the changes are significant. If you keep using Qnivo after they take effect, you accept the updated terms.

16. Contact

QUANTO ORGANISATION PTE. LTD.
Support: support@qnivo.io
Privacy: privacy@qnivo.io