These Terms of Service ("Terms") are a binding agreement between you and Trader Wallet sp. z o.o. ("Trader Wallet", "we", "our", or "us"), a limited-liability company registered in Poland, and govern your access to and use of the Trader Wallet mobile application for iOS and Android (the "App"), our website at traderwallet.app, our primary domain, which is also reachable at trader-wallet.com (the "Site"), and the related backend services (together, the "Services").
Version 2.8.0 changes one rule of the partner referral programme and discloses one consequence of using it. The rule: a partner code may now be created by any user, with no trading-volume requirement at all. The previous version said a threshold applied; it has been removed for everybody, and nothing replaces it. The disclosure: using somebody’s partner code shows that person your wallet address, your handle and avatar, the date you joined, and your cumulative trading volume and number of trades — whether or not you have a public profile. Section 45 states both, and Section 38 of the Privacy Policy describes the data in full. Nothing about fees, posts, likes, leagues, clans or duels is different in this version.
Version 2.7.0 changes one rule and describes it plainly: a comment may not contain a link at all. Until this version a web address in a comment was removed automatically and the rest of the text was published. It is now refused: the comment is not stored, and the App says why, so that what you wrote stays in front of you instead of being altered. The rule covers plain addresses, bare domain names, application schemes such as tg: or mailto:, and attempts to write an address around the filter. Links are the primary vector for fraud in a crypto application, and both app stores treat them as such. This applies to comments only. A profile biography, a display name and a clan description are unchanged: an address there is still removed automatically rather than refused, and a biography remains a place where you may point at yourself. Section 18 is the only section that changed; nothing about posts, likes, leagues, clans, duels or fees is different in this version.
Version 2.6.0 covers comments attached to an asset rather than to a post. The App now carries a public comment wall on every tradable thing in it: a token, a perpetual futures market, a spot pair, a Hyperliquid vault, a staking or lending market, and a prediction market. This is a larger volume of user content than the App had before, and Sections 18 to 24 now say so explicitly: what an asset comment is, that reading one is open to any signed-in user while writing one requires a public profile, and that the reporting route, the blocking function, the moderation process and the deletion rules are the same ones as for a comment under a post, not a second set. Section 17 and Section 29 of our Privacy Policy say what happens to your asset comments when you delete your public profile or your account: deleting the profile removes them, deleting the account strips your name from them and leaves the thread standing. Nothing about posts, likes, clans, duels or fees changed in this version.
Version 2.6.0 also corrects one sentence that was wrong before it. Section 19 said that any signed-in user may comment. Our backend has always required a public profile to publish a comment, and the App now says so before you write rather than refusing afterwards. The requirement is not new; the description of it was inaccurate.
Version 2.5.0 adds Section 9.7: the discount a trading league gives on the service fee we charge, with the full ten-league table, the order in which it combines with a partner code, and the lowest rate either can reach. The discounts themselves are not new; earlier versions of these Terms simply did not mention them, and Section 20 could be read as saying that a league carries no benefit of monetary value at all. Section 20 now names that one exception and points here, and Section 29 does the same.
Version 2.4.0 covers a kind of content the App did not have before: a post you write yourself about one of your own closed trades. Earlier versions said that posts are created automatically and that you do not write them. That remains true of automatic posts and is no longer the whole picture. Sections 18 and 19 now say who may write a post, what the App takes from you and what it takes from the exchange record, and the limits that apply. A written post is user content and is governed by the same publishing rules, the same reporting route and the same moderation as a comment.
Version 2.3.0 adds Section 9.6, which describes the paid plans for the Grünwald assistant: who bills you, how a plan renews, how to cancel it, how refunds work, what happens to a price change, and what a lapsed plan does and does not affect. The plans themselves are not new; earlier versions of these Terms simply did not describe them, and one sentence in Section 9 could be read as saying that no recurring charge exists at all. That sentence has been corrected to point here. Section 11 now also names the vaults operated on Hyperliquid by third parties among the third-party protocols you can reach through the App.
Version 2.2.2 names both domains on which the Services are reachable: traderwallet.app, our primary domain, and trader-wallet.com. Nothing else changed.
Version 2.2.1 rewrites Section 9 and adds Sections 9.1 to 9.5: the spot builder fee on Hyperliquid, the fact that it is charged on the sell side only, the signature that authorises any builder fee and how to revoke it, and what the fee does and does not affect. The previous text said that the current service fee is always shown in the App before you confirm; that was not accurate for the Hyperliquid builder fee, and Section 9.1 now says plainly where the fee is disclosed. It also corrects Section 6 and adds Section 6.1. The previous version stated that we do not store or back up your recovery phrase. That is true of a wallet you create with a recovery phrase, and it was not true of a wallet created by signing in with Apple or Google, where the App stores an encrypted copy that we cannot decrypt. Section 6.1 describes that copy, the backup password, and what happens if either is lost. Section 4 and Section 11 now also name WalletConnect and the web trading terminal, which the App already supported and these Terms did not mention.
Version 2.1.1 removes the section that described periodic skill contests. There are no such contests. Demo mode is a simulator and a set of standings, and nothing in the App offers a prize, a reward or a payment for taking part in it. The section describing the demo balance is unchanged, and the partner referral programme section has been rewritten to match the programme as it now operates.
Version 2.1.0 added Sections 44 and 45: the demo trading mode and the demo balance, and the partner referral programme.
Version 2.0.0 adds the rules that govern the social features of the App: the public trader profile, the trade feed, comments, likes, followers, clans, duels, and clan wars. Sections 17 to 25 set out what you may and may not publish, how to report content, how to block another user, how we moderate, and how you can obtain the reasons for a moderation decision and contest it. Those sections apply to you from the moment you make your profile public or interact with content published by someone else.
Please read these Terms carefully, together with our Privacy Policy. They contain important information about your rights and obligations, about the nature of a self-custodial wallet, about the fees we charge, and about significant risks, disclaimers, and limitations of liability. By downloading, accessing, or using the Services, you confirm that you have read, understood, and accept these Terms. If you do not agree, do not use the Services.
By downloading, installing, accessing, or using the Services, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you use the Services on behalf of an organization, you represent that you are authorized to bind that organization, and "you" refers to that organization. If you do not agree to these Terms, you must not access or use the Services.
The social features carry a further, specific acceptance. Before you can publish user content you are shown the publishing rules in the App and must accept them, and your acceptance is recorded on our servers with its date and the version of the rules. By turning your public profile on, and in any case by publishing anything, you also accept Sections 17 to 25 of these Terms, which are the full version of those rules. If you do not accept them, keep your public profile off.
To use the Services, you must:
You are solely responsible for determining whether the Services and any feature are legal and appropriate for you where you live, and for complying with all laws that apply to you. You must not use the Services, and in particular must not publish anything through them, if your right to publish has previously been suspended by us and has not been restored.
Trader Wallet is non-custodial, multi-chain, hierarchical-deterministic wallet software that lets you generate and manage blockchain wallets and interact with public blockchains and third-party protocols. Depending on availability, the App may let you:
The Services are a technical tool that helps you interact with blockchains and third-party protocols. We do not operate an exchange, do not hold or control your assets, do not act as a broker, dealer, custodian, money transmitter, exchange, or financial intermediary, and do not execute transactions on your behalf. Every action is initiated and authorized by you and is settled by the relevant blockchain or third-party protocol. In relation to content published by users, we act as a hosting provider: we store and display what users publish, we do not monitor it in general, and we act on it as described in Sections 21 to 24. Features may be added, changed, suspended, or removed at any time.
The Wallet is self-custodial. You, and only you, hold your recovery phrase and private keys and control your digital assets at all times. We never take possession or control of your assets, and title to your assets never passes to us. Because we do not control your assets, we cannot freeze, seize, reverse, or recover them, and we cannot transact on your behalf. You can access your assets at any time using your recovery phrase, including in other compatible wallets. Suspending your right to publish, or deleting your public profile, has no effect whatsoever on your funds.
We cannot read your recovery phrase or your private keys, and we cannot recover them for you. Unless you have turned on the optional encrypted backup described below, we do not store them at all. If you lose your recovery phrase, you will permanently and irreversibly lose access to your digital assets. There is no password reset, no support line, and no technical procedure by which we can restore access.
You are solely responsible for:
No legitimate feature of Trader Wallet, and no member of our team, will ever ask you for your recovery phrase. We are not liable for losses resulting from lost or compromised credentials, compromised devices, malware, phishing, user error, or transactions you authorize.
If you create a wallet by signing in with Apple or Google, the App offers to store an encrypted copy of your recovery phrase on our backend so that you can restore the wallet on another device. This is optional, it is off unless you choose it, and it does not apply to Guest accounts.
If you turn it on, you set a backup password. The recovery phrase is encrypted on your device with a key derived from that password before anything leaves the device. We receive only the encrypted material and the parameters needed to derive the key again on your device. We never receive the backup password, a hash of it, or any value that could be used to verify a guess at it. We therefore cannot decrypt the copy, and neither can the provider that hosts our database.
The consequences follow from that and are not negotiable by support:
You can delete the stored copy at any time from the backup screen in Settings. Deleting it does not affect the wallet on your device.
You can use the Wallet without an account (Guest mode). Certain optional features let you sign in with Google, Apple, or email through our authentication provider, or use an anonymous account tied to your installation. If you create an account, you are responsible for maintaining the confidentiality of your sign-in credentials and for activity under your account. An account is a convenience feature for the Services and does not give us any access to or control over your Wallet, recovery phrase, keys, or funds.
Publishing a profile additionally requires you to prove that the wallet address belongs to you by signing a one-time challenge message with your private key. Because that proof is a signature rather than a device identifier, the same address can be re-bound to a new installation by signing again; anyone who holds your recovery phrase can therefore take over your public profile, which is one more reason to keep it private.
Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use the App on a device you own or control, and to access the Site, for their intended personal purpose. You must not, except to the extent permitted by law: copy, modify, adapt, translate, or create derivative works of the Services; reverse-engineer, decompile, or disassemble the App; rent, lease, lend, sell, sublicense, or distribute the Services; remove any proprietary notices; use the Services to build a competing product; scrape, harvest, or bulk-download the published profiles, trading records, posts, or comments of other users; or circumvent any security or access control, including the limits described in Section 19. All rights not expressly granted are reserved.
The App is free to download and hold assets in. The social features are free to use. Certain features carry a service fee that we charge. Each service fee is collected automatically on-chain, in cryptocurrency, as part of the transaction. Current service fees are:
| Feature | Service fee |
|---|---|
| In-app token swaps and cross-chain bridges | 0.8% of the transaction amount |
| Hyperliquid perpetual-futures trading (builder fee) | 0.08% of order value |
| Hyperliquid spot trading (builder fee) | 0.8% of order value, charged on the sell side only |
| Tokenized-stock transfers | a small fixed fee per transfer |
The rates above are the standard rates. If you joined using another user's partner code, your Hyperliquid builder fee is 10% lower for the first year after the code was created, not after you applied it — on perpetual futures, spot and prediction markets. That reduction comes out of our fee; nothing is added on top of it, and no fee is ever higher than the table above.
The table above is the disclosure. Swap and bridge quotes in the App are shown to you net of our fee before you confirm, so the amount you see is the amount you receive. For Hyperliquid perpetual-futures and spot trading the fee is not restated on the trading screens; the rates in the table above, together with the approval described in Section 9.2, are how it is disclosed to you. Earlier versions of these Terms said that the current service fee is always shown in the App before you confirm a transaction. That was not accurate for the Hyperliquid builder fee, and this section replaces that statement.
The builder fee on Hyperliquid perpetual-futures and spot trading is a mechanism of the Hyperliquid exchange, not of the App. It cannot be charged unless you have first signed an on-chain approval that names a maximum rate, and that signature is requested from you separately, before any order that carries the fee. Perpetual-futures orders and spot orders require different approvals, because the exchange caps the builder fee at 0.1% for perpetual futures and at 1% for spot.
You can revoke the approval at any time, by signing a new approval with a maximum rate of 0%. Revocation takes effect on the exchange immediately and stops the fee on all future orders. Nothing in the App can restore the approval without a further signature from you.
On Hyperliquid spot markets the builder fee is collected in the quote asset of the pair. As a consequence of how the exchange works, it is charged when you sell and not when you buy. This is a property of the exchange, not a setting we choose, and we cannot change it. The App attaches the same rate to every spot order it sends; whether the fee is actually taken is decided by the exchange according to the side of the trade.
The builder fee is processed on-chain by the Hyperliquid exchange and is publicly visible: it appears in the exchange's own record of your fills alongside the exchange's fees, and anyone can read it. It is charged in addition to the exchange's own trading fees and does not replace or reduce them, and it does not count towards any volume-based fee tier the exchange may grant you.
The builder fee does not affect the execution of your order, the price at which it fills, the margin required for a position, the price at which a position is liquidated, or the funding paid or received on a perpetual-futures position. It is taken from the proceeds of the fill after the fill has occurred.
Network (gas) fees are separate and are not paid to us. Every blockchain transaction also incurs a network fee paid to the blockchain's validators or miners. In addition, third-party protocols you interact with may charge their own fees (for example, protocol, liquidity, or trading fees). You are responsible for all such fees.
We may introduce, change, or remove service fees from time to time. Material changes will be reflected in an updated version of these Terms. Because the service fees in the table above are collected on-chain in cryptocurrency, we do not process credit-card, debit-card, or bank payments for them, and none of them is a recurring charge. Paid plans for the Grünwald assistant are a separate matter and are described in Section 9.6: they are billed by the App Store or by Google Play, not by us. On-chain transactions are final; service fees and network fees are generally non-refundable.
Your trading league can reduce the service fee we charge on Hyperliquid, and only that fee. A league is reached by trading volume over a rolling thirty-day window; it is described in the App and can change as your volume changes. The reduction applies automatically to orders the App sends while you hold the league, and it is taken out of our fee. Nothing is added on top, no fee is ever higher than the table in Section 9, and the exchange's own fees are not affected in any way.
| League | Our spot fee | Our perpetual-futures fee |
|---|---|---|
| Oak | standard | standard |
| Stone | 25% lower | standard |
| Bronze | 50% lower | standard |
| Silver | 75% lower | standard |
| Gold | 90% lower | standard |
| Platinum | 90% lower | 10% lower |
| Crystal | 90% lower | 20% lower |
| Titan | 90% lower | 30% lower |
| Champion | 90% lower | 40% lower |
| Legendary | 90% lower | 50% lower |
How it combines with a partner code. If you also joined using another user's partner code, the two reductions are applied one after the other, the league first and the partner code second, and neither cancels the other. The lowest rate reachable in this way on perpetual futures is 0.036% of order value, and on spot 0.072% of order value on the sell side. Those are floors: the App will not send a lower rate, and a value below them is treated as an error rather than as a discount.
What a discount is not. A league discount is a commercial benefit attached to a feature of the App. It is not a payment, a rebate, a credit, or a digital asset; it cannot be transferred, redeemed, or paid out; and it exists only while you hold the league it belongs to. If your thirty-day volume falls, your league can go down and the discount goes down with it, from the next order. A league never falls by more than one step below the highest league you have ever reached, and a reward that has already been granted to you is not taken back. We may change or withdraw the league programme and the discounts attached to it, and material changes will be reflected in an updated version of these Terms.
The wallet, the social features, and everything described above are free. The Grünwald assistant is free too, up to a daily allowance of messages. Beyond that allowance the assistant is offered on paid plans, currently Plus, Pro, and Max, which raise the allowance and unlock the more capable answers described on the plan screen in the App. A paid plan changes nothing about your wallet, your keys, your funds, or the service fees in the table above.
Who charges you. Plans are sold as auto-renewing subscriptions through the store you installed the App from, the Apple App Store or Google Play, and are billed by that store to the payment method on your store account. We do not see or store your card details. Our subscription infrastructure is operated for us by RevenueCat, which records which plan an account holds; our Privacy Policy names RevenueCat among our processors.
Prices, renewal, and cancellation. The price, the billing period, and any introductory or trial terms are shown in the App on the plan screen and again by the store before you confirm the purchase. That screen is the offer; this section describes the rules around it. A subscription renews automatically at the end of each billing period unless you cancel it at least 24 hours before that period ends. Cancelling is done in the store, in your Apple ID subscription settings or in the Google Play subscriptions screen, and not by us: we cannot cancel, pause, or refund a store subscription on your behalf. If you cancel, your plan keeps working until the end of the period you have already paid for, and it is not renewed after that.
Refunds. Refunds are handled by the store under its own policy, and requests go to Apple or to Google. Where the law of your country gives you a right of withdrawal or a statutory right to a refund, that right applies and nothing here limits it.
Price changes. If we change the price of a plan, the change applies from your next billing period, and the store notifies you and asks for your consent where its rules or the law require it. You can cancel before the change takes effect.
When a plan ends. When a subscription lapses or is cancelled, the assistant returns to the free daily allowance. Nothing else changes: your wallet, your funds, your public profile, your trading history, and your partner code are unaffected, because none of them depend on a paid plan.
Promotional access. A plan can also be granted without payment, for example by a promotional code or as the benefit that comes with joining through a partner code. Access granted that way is time limited, is not a purchase, carries no refund, and can be withdrawn if the promotion it came from is withdrawn or abused.
You are solely responsible for determining, reporting, and paying any taxes, duties, or levies that apply to your use of the Services and your digital-asset activity, including any tax arising from swaps, trades, staking or lending rewards, airdrops, or disposals. We do not provide tax advice, do not withhold taxes on your behalf, and do not report your activity to tax authorities except where required by law. You should consult a qualified tax adviser about your obligations.
The Services let you interact with independent third parties, including blockchain networks; decentralized exchanges and aggregators (such as 0x, Jupiter, and LI.FI); bridges; staking and lending protocols; trading venues (such as Hyperliquid), including the vaults operated on Hyperliquid by third parties, into which you may deposit and from which you may withdraw at your own risk and on the terms of the vault itself; blockchain RPC and data providers; price providers; the WalletConnect relay network, which carries the encrypted messages between your device and any site you connect to; the sites and applications you choose to connect to over WalletConnect; and our AI provider (Anthropic). These third parties are not controlled or operated by us and are governed by their own terms and policies.
We do not endorse, guarantee, or assume responsibility for any third-party protocol, smart contract, quote, price, route, availability, security, or outcome. Your use of third-party protocols is at your own risk and may be subject to their own fees, limits, and risks, including smart-contract risk and total loss. Any dispute relating to a third-party service is solely between you and that third party. We are not liable for any delay, loss, or damage arising from a third-party service.
Blockchain transactions are irreversible once broadcast to a network. We cannot cancel, reverse, refund, or modify a transaction; recover assets sent to an incorrect, incompatible, or unintended address or network; or intervene in the behavior of any smart contract. You are solely responsible for confirming all transaction details before signing. Sending assets to the wrong address or on the wrong network typically results in permanent loss.
The in-app AI assistant ("Grünwald") provides automated, general-purpose responses generated by a third-party AI provider. AI output may be inaccurate, incomplete, outdated, or unsuitable for your situation, and must not be relied upon as professional advice (see Section 14). You are responsible for independently verifying any information before acting on it. Do not enter your recovery phrase, private keys, passwords, or other secrets into the assistant. Your use of the assistant is also subject to Section 11 (Third-party services).
Nothing in or provided through the Services constitutes investment, financial, trading, tax, accounting, or legal advice, or a solicitation or recommendation to buy, sell, or hold any digital asset or to enter into any transaction. All information, prices, charts, market data, AI-generated content, and content published by other users are provided for general informational purposes only and may be inaccurate or incomplete. Published trading records, leaderboards, leagues, and the trade feed show what other people have done; they are not a recommendation to do the same, past results do not predict future results, and copying another person's trades is done entirely at your own risk. You are solely responsible for your own decisions and for conducting your own research and due diligence, and you should consult a qualified professional before making financial decisions.
Your use of the Services does not create any fiduciary, advisory, agency, partnership, joint-venture, trustee, or similar relationship between you and us. We act solely as a provider of self-custodial software and as a host of content published by users. We owe you no fiduciary duties, and we do not manage your assets or make decisions on your behalf.
Digital assets are highly volatile and carry substantial risk, including the risk of total loss. By using the Services, you acknowledge and accept the following risks, among others:
You represent that you understand these risks, that you are using the Services on your own initiative, and that you can bear the financial consequences, including total loss.
The public profile is off by default and nothing about your trading is published until you turn it on. Turning it on is a deliberate act: you claim a unique handle and sign an ownership challenge with your wallet. From that moment, and for as long as the profile is on, the information listed in Section 8 of our Privacy Policy is readable by other signed-in users of the App, including your wallet address, your profile details, your aggregate trading statistics, your individual trades with their transaction hashes, your open positions and orders, and your followers.
Automatic posts are created without you. While the profile is on, our backend turns your closed trades into posts in the trade feed without any further action by you. You do not write them, you cannot edit them, and you should assume that any trade you close while public will be published. Each post carries the market snapshot at the moment the position closed and the transaction hash of the trade, which makes it findable on the blockchain. You may hide an individual post, in which case it is removed permanently and is not recreated later.
You may also write a post yourself. If your profile is public, the App lets you pick one of your own closed trades, add your own text, and publish it. The text is user content and Section 18 applies to it in full, exactly as it applies to a comment. The figures in a written post are not yours to set: our backend reads the instrument, direction, price, size and result from the exchange record of the trade you picked and ignores anything else sent with your text, so a written post cannot claim a result that did not occur. Publishing a written post does not remove or change the automatic post about the same trade. You may hide a written post on the same terms as any other.
You are responsible for what your publication reveals. Do not turn the public profile on if you do not want your trading, your profit and loss, and your wallet address associated with a name that other people can see. You can turn the profile off at any time, which stops it and your posts from being shown, and you can erase your published footprint entirely using the deletion function described in Section 29 of our Privacy Policy. Deletion is irreversible and costs you your trader points and your league standing.
What deletion does to your comments, and why the two doors differ. Deleting your public profile removes your comments on asset walls along with the rest of your published footprint: you asked to stop being published, and they were published by you. Deleting your account instead strips your name, handle, avatar and league from them and leaves the text where it stands, because removing one side of a conversation would break the replies other people wrote to it. Neither door touches your wallet, your funds or your recovery phrase.
You must publish only your own trading. Do not claim an address you do not control, do not present someone else's record as yours, and do not impersonate another trader in your handle, display name, avatar, or biography.
Offensive content and abusive users are not tolerated. Anything you publish can be reported, hidden and removed, and repeat offenders lose the right to publish.
The words above are the rules shown to you in the App before you publish, and they are reproduced here without change. We operate a policy of zero tolerance towards objectionable content and towards abusive behaviour, and this section sets out what that means in full.
You must not publish, and must not use the Services to distribute, content that:
You must also not behave abusively towards other users: no coordinated harassment, no evading a block or a suspension by using another address, no filing reports in bad faith or to silence content you simply disagree with, and no automated or bulk use of the social features.
A comment may not contain a link, and one that does is refused rather than edited. This covers a plain web address, a bare domain name, an application scheme such as tg:, mailto: or market:, and an address written to slip past the check. Your comment is not stored, and the App tells you why, so that what you wrote stays with you and you can send it without the link. Links are the primary vector for fraud in a crypto application, and this rule exists for that reason alone.
Elsewhere a web address is removed automatically rather than refused: from a display name, a profile biography, a clan name and a clan description; the App tells you when your text was changed. A biography remains a place where you may point at yourself. The length and frequency limits in Section 19 apply everywhere. Neither the link rule nor the limits are a substitute for the content rules above: text that passes them can still break them.
This section applies to an asset comment exactly as it applies to a comment under a post. An asset comment is a comment you write on the public wall of a tradable thing in the App rather than under somebody's trade: a token, a perpetual futures market, a spot pair, a Hyperliquid vault, a staking or lending market, or a prediction market. It is read by anybody who opens that asset. Nothing in this section is relaxed because the wall belongs to a market rather than to a person; if anything, a comment about an asset reaches more readers than a comment under one trade, and the rule against manipulating the feed applies to it in full.
You remain fully responsible for everything you publish. Comments, including asset comments, are the opinions of the people who write them, are not investment advice, are not a recommendation to buy or sell the asset they are attached to, and are not checked by us before they appear.
A clan is a group of public traders with a name, an emblem, a description, and a roster, all readable by other users. A duel is a head-to-head contest between two public traders over a chosen instrument pool and period; a clan war is the same contest between two clans. Taking part publishes your participation and its outcome, and awards or withholds trader points accordingly.
Clan names and descriptions are subject to Section 18 in the same way as any other user content, and a clan leader is responsible for the content their clan publishes. We may rename, hide, or dissolve a clan whose published content breaks these Terms.
Contests are decided by our backend from the trading records of the participants. We may void a contest, and withhold or reverse the points arising from it, where a participant has manipulated it, where a participant's profile has been deleted, or where a contest cannot be resolved fairly. Trader points, leagues, seasons, and the badges and standings attached to them are features of the App, have no monetary value, are not digital assets, cannot be transferred or redeemed, and may be adjusted or discontinued. One benefit attached to a league is an exception to the words “no monetary value” and is described separately: a league can reduce the service fee we charge, on the terms set out in Section 9.7. That reduction is still not a payment, a credit, or an asset, and it cannot be transferred or redeemed either.
Every post and every comment in the App carries a report action, and that includes every comment on an asset wall. Reporting is available to any signed-in user, takes one tap to reach, and asks you to choose a reason — spam, abuse or harassment, fraud or scam, sexual content, violence, or something else — and lets you add a short explanation in your own words. You may also report content, and anything else you consider illegal, by writing to contact@trader-wallet.com.
This is also our notice-and-action mechanism under Article 16 of Regulation (EU) 2022/2065. To make a notice effective, it should contain a sufficiently substantiated explanation of why you consider the content illegal, a clear indication of where the content is (the handle of the author and the trade, the asset, or the comment concerned, or a link), your name and email address unless the notice concerns an offence referred to in Articles 3 to 7 of Directive 2011/93/EU, and a statement that you believe in good faith that the information in the notice is accurate and complete. A notice that contains all of this and identifies illegal content without a detailed legal examination gives us actual knowledge of that content.
Where a notice includes an email address we confirm receipt without undue delay and inform you of our decision, together with information about the redress available to you. A report filed through the App does not carry an email address, and we therefore cannot answer it individually; if you want a reply, use the email channel. Reports made in bad faith, in volume, or to suppress lawful content may lead to your own right to publish being suspended.
Blocking is a separate function from reporting and serves a different purpose: reporting asks us to act, blocking acts immediately and needs no decision from us. Any signed-in user can block any other user from the profile or from the actions available on a post or comment, including a comment on an asset wall. A blocked user disappears from your view everywhere their words would otherwise reach you: their posts, their comments under posts, and their comments on every asset wall. A blocked user is also removed from your view of trader search and of the lists where people appear. Blocking takes effect at once and does not notify the person blocked. The people you have blocked are listed on a dedicated screen in Settings, where you can unblock them at any time; that list is private to you and is not readable by anyone else, including the people on it.
Blocking is available whether or not you report the person as well, and using it does not weaken any report you file.
We do not review content before it is published and we are under no general obligation to monitor what users publish. We do act on what is brought to our attention, and we use the following measures.
Automatic hiding. A post or comment — under a post or on an asset wall — reported by 8 different accounts is hidden automatically, pending review by a person. Only one report per account per item is counted. Hiding makes the content invisible to everyone, including its author. It is a precaution, not a finding: if review shows the reports were unfounded, the content is restored and its report count is cleared.
Human review. Every report enters a queue that a person reviews. The possible outcomes are that the report is dismissed and the content restored; that the content is removed; or that the content is removed and the author's right to publish is suspended. Suspension is never automatic and is always applied by a person.
Suspension. A suspended user keeps full access to their wallet and can still read the App, but cannot publish, comment, like, follow, join or manage a clan, challenge anyone, change their display name, or file reports. Their existing posts and their comments on asset walls are hidden in the same operation, because a suspension that leaves the content up is a label rather than an action. Suspension is not time-limited by default and is lifted only by us.
Removal of the offender. We may permanently remove a user from the social features, delete their published content, and refuse to let them publish again from any address, where their behaviour warrants it.
We review reports of objectionable content within 24 hours of receiving them. Where a report is justified, we remove the content and eject the user who provided it within that same period.
We may take any of these measures where content breaks Section 18, breaks any other provision of these Terms, is illegal, or is the subject of an order from a competent national authority. We may also restrict, suspend, or discontinue the social features generally, for legal, security, technical, or operational reasons.
If we hide or remove content you published, or suspend your right to publish, you are entitled to a statement of reasons. It sets out what was restricted and for how long, the facts and circumstances we relied on, whether automated means were used in detecting or deciding the matter, the ground for the decision — the specific provision of these Terms or the legal ground where the content is alleged to be illegal — and how you can contest it. This follows Article 17 of Regulation (EU) 2022/2065.
We must be plain about how you receive it today. Content that is hidden simply stops being visible, and automatic hiding at eight reports currently happens without a separate notification to the author; the same is true of a suspension, which you will discover the next time you try to publish. Until in-app delivery of the statement of reasons is implemented, we provide it on request: write to contact@trader-wallet.com from an address you can prove control of, or naming the handle concerned, and we will send you the statement within 14 days. We would rather describe this accurately than describe a notification we do not yet send.
To contest a decision, reply to that statement or write to the same address, saying what you believe we got wrong. We review contested decisions ourselves, in a timely, non-discriminatory, diligent and non-arbitrary way, and a decision taken by automatic hiding is always reviewed by a person before it becomes final. We will tell you the outcome and, where we agree with you, restore the content and any right that was suspended. We aim to answer within 14 days.
Trader Wallet is a small enterprise within the meaning of Article 19(1) of Regulation (EU) 2022/2065 and is therefore exempt from Section 3 of Chapter III of that Regulation, which contains the formal internal complaint-handling and out-of-court dispute settlement obligations. The process described in this section is one we offer voluntarily. Nothing in it affects your right to bring proceedings before a court, or to complain to a competent authority, and nothing in it applies to your data-protection rights, which are described in our Privacy Policy.
Our single point of contact for users, and our single point of contact for the authorities of the Member States, the European Commission, and the European Board for Digital Services, under Articles 11 and 12 of Regulation (EU) 2022/2065, is:
Trader Wallet sp. z o.o.
ul. Złota 2-19, 15-016 Białystok, Poland
Email: contact@trader-wallet.com
Communication is by email and may be in English or Polish. We are established in Poland and have not appointed a legal representative under Article 13, which applies to providers without an establishment in the Union. Our Digital Services Coordinator of establishment is the Polish authority designated for that purpose. Orders to act against illegal content and orders to provide information, issued under Articles 9 and 10, should be sent to the address above.
These Terms, and in particular Sections 18 to 24, constitute the information we are required to give under Article 14 about the restrictions we impose on the use of the Services in respect of content provided by users, including our policies, procedures, measures and tools used for content moderation, our use of algorithmic decision-making and human review, and how a decision can be contested.
You agree to use the Services only for lawful purposes. In addition to the content rules in Section 18, you must not:
You represent and warrant that you are not subject to, and will not use the Services in violation of, any economic or trade sanctions administered by the European Union, the United Nations, the United States (including OFAC), the United Kingdom, or any other relevant authority, and that you are not located in a comprehensively sanctioned jurisdiction. You agree to comply with all applicable anti-money-laundering, counter-terrorist-financing, sanctions, and export-control laws. You are responsible for ensuring that your source of funds and your use of the Services are lawful. We may take steps we reasonably consider necessary to comply with applicable law.
We may make beta, preview, or experimental features available to help us develop the Services. Such features are provided "as is", may be incomplete or unstable, may change or be withdrawn at any time, and may carry additional risk. You use them at your own discretion and risk.
From time to time you may receive airdrops, staking or lending rewards, or promotional benefits in connection with third-party protocols or our own campaigns. Any such benefit is subject to the rules and eligibility criteria that apply to it and, where provided by a third party, to that third party's terms. We do not guarantee the availability, value, or continuation of any airdrop, reward, or promotion, and unsolicited tokens that appear in your Wallet may be scams or may carry risk; interact with them with caution. League rewards, trader points, and similar in-app benefits are subject to Section 20, and the fee reduction that a league carries is subject to Section 9.7.
We may release updates, upgrades, patches, or new versions of the App from time to time, which may be required for continued use, for security, or for compatibility. Depending on your device settings and the app marketplace, updates may install automatically. We may modify, suspend, or discontinue any part of the Services at any time. We are not obligated to provide support or maintain backward compatibility for older versions.
The App, the Site, the Trader Wallet name and logo, and all related software, content, and design that we provide are owned by Trader Wallet sp. z o.o. or its licensors and are protected by intellectual-property laws. Subject to these Terms, we grant you the limited license described in Section 8. Open-source components are governed by their respective licenses, which prevail over these Terms to the extent of any conflict. All rights not expressly granted are reserved.
Your content stays yours. You retain any rights you hold in the user content you publish. By publishing it, you grant us a non-exclusive, worldwide, royalty-free license to host, store, reproduce, adapt for technical purposes such as formatting and caching, and display that content within the Services, and to make it available to other users, for as long as you keep it published and for a short period afterwards while it is removed from our systems and backups. This license exists only so that we can operate the feature; we do not use your content for advertising and do not license it onward. You represent that you have the rights necessary to publish what you publish and that it does not infringe anyone else's rights. Deleting your content or your profile ends this license for the future, subject to the limits described in Section 29 of our Privacy Policy.
If you send us feedback, ideas, or suggestions about the Services, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them for any purpose without obligation or compensation to you. You represent that you have the right to provide such feedback and that it does not infringe the rights of any third party.
The Services may contain links to third-party websites, protocols, blockchain explorers, or applications that we do not operate or control. We provide these links for convenience only and are not responsible for the content, products, services, or practices of any third party. Accessing third-party services is at your own risk and subject to their terms. Links inside text written by users are removed before storage, as described in Section 18; treat any address that reaches you through the App as unverified.
To the maximum extent permitted by law, the Services are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Services will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that any quote, price, data, AI output, or content published by another user will be accurate or reliable. We do not warrant that content published by users will be free of material you find objectionable, or that our moderation will catch everything; we act on what is reported to us as described in Sections 21 to 24. Nothing in this section limits any warranty or right that cannot be excluded or limited under the law that applies to you, including mandatory consumer rights.
To the maximum extent permitted by law, Trader Wallet sp. z o.o. and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, digital assets, data, goodwill, or opportunity, arising out of or relating to your use of, or inability to use, the Services. This includes, without limitation, losses caused by price movements, third-party protocols, smart-contract behavior, blockchain events, lost or compromised keys, phishing, unauthorized access to your device or Wallet, content published by other users, reliance on another user's published trading record, or the consequences of publishing your own.
Because the Services are non-custodial and free to use for their core functionality, and to the extent permitted by law, our total aggregate liability for all claims relating to the Services is limited to the total amount of service fees you paid to us in the three (3) months preceding the event giving rise to the claim.
If you are a consumer, nothing in these Terms limits or excludes any liability or right that cannot be limited or excluded under the mandatory consumer-protection law that applies to you, and your statutory rights remain unaffected.
To the extent permitted by law, you agree to indemnify and hold harmless Trader Wallet sp. z o.o. and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, and reasonable costs and expenses (including reasonable legal fees) arising out of or relating to your use of the Services, the content you publish, your violation of these Terms, or your violation of any law or the rights of any third party. This obligation does not apply to the extent a loss results from our own willful misconduct or gross negligence, or where such indemnity is not permitted by law.
You may stop using the Services at any time. Because the Services are non-custodial, you can always access your assets using your recovery phrase in any compatible wallet, independently of us. You may also turn off your public profile or delete it, as described in Section 17.
We may suspend, restrict, or discontinue all or part of the Services, or restrict access to them, where reasonably necessary (for example for legal, security, technical, or operational reasons). We may in addition suspend or terminate your access to the social features, hide or delete content you published, and refuse to let you publish again, where you breach these Terms, and in particular where you publish content prohibited by Section 18 or behave abusively towards other users. Where we do so, Section 24 applies.
Provisions that by their nature should survive termination will survive, including Sections 9 (as to accrued fees), 10, 11, 12, 14, 15, 16, 31, 32, 34, 35, 36, 42, and 43.
We may update these Terms as the Services and applicable laws evolve. Material changes will be reflected by an updated effective date and version and, where appropriate, notice in the App or on the Site. Your continued use of the Services after the changes take effect constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Services. Where we materially change the rules that govern what you may publish, we may ask you to accept them again before you next publish.
By using the Services, you consent to receive communications from us electronically, such as in-app messages, in-app inbox entries, push notifications, notices on the Site, or emails, and you agree that such electronic communications satisfy any legal requirement that a communication be in writing. We may give you notice through these channels; notices are deemed given when sent or posted. You may contact us using the details in Section 44.
The following applies if you download the App from the Apple App Store. You acknowledge and agree that:
The following applies if you download the App from Google Play. Your use of the App is also subject to the Google Play Terms of Service. You acknowledge that Google is not a party to these Terms and is not responsible for the App, including content published by users. To the extent of any conflict between these Terms and the Google Play Terms of Service with respect to your download or use of the App through Google Play, the Google Play Terms of Service will govern solely for that purpose.
These Terms and any dispute arising out of or relating to them or the Services are governed by the laws of Poland, without prejudice to any mandatory consumer-protection rules of the country in which you are habitually resident. We encourage you to contact us first at contact@trader-wallet.com so that we can try to resolve any issue informally.
If you are a consumer resident in the European Union, you may also submit disputes to the European Commission's Online Dispute Resolution (ODR) platform. Nothing in these Terms deprives you of the protection of, or your right to bring proceedings before, the courts that are available to you under the applicable mandatory law.
Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Services and supersede any prior agreements on that subject.
Severability. If any provision is found unenforceable, the remaining provisions remain in full force, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.
No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or transfer of assets.
Relationship of the parties. Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and us.
Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including network failures, blockchain outages, or acts of government.
Language. These Terms are drafted in English. Any translation is provided for convenience only; in the event of a conflict, the English version prevails to the extent permitted by applicable law.
Headings. Headings are for convenience only and do not affect interpretation.
The App contains a demo trading mode. In demo mode the App simulates trading using real market data from public sources, but no order is sent to any exchange, no blockchain transaction is created, and no real funds move. Demo results are simulated results.
The demo balance has no monetary value. It is a number inside the App used to run the simulation. It is not money, not electronic money, not a payment instrument, not a security, not a token, and not any form of stored value. Specifically, and without limitation, the demo balance:
Participation in demo mode is free. There is no entry fee, no deposit, no wager and no consideration of any kind, in money or in money’s worth.
We may reset, adjust, suspend or discontinue demo mode, and any demo balance or demo result, at any time. Because the demo balance has no value, no such change gives rise to any claim, refund or compensation.
Simulated results are not indicative of real results. A simulation does not reproduce every condition of live trading, including but not limited to the exact price at which an order would have been filled, the depth actually available at the moment of execution, latency, partial fills, exchange outages, or the effect of your own order on the market. Nothing in demo mode is investment advice, a recommendation, or a prediction, and past or simulated performance does not indicate future results.
We operate a partner referral programme. A partner code may be created by any user of the App. There is no trading-volume requirement, either to create a code or to start earning on it: an earlier version of these Terms said a threshold applied, and that requirement has been removed for everybody. We may also issue a code by hand, at our discretion. A code cannot be bought, and holding a paid subscription neither grants a code nor changes what it earns.
What creating a code makes visible to you, and what using one makes visible about you. A partner is shown, for every user who joined with their code, that user’s wallet address, the handle and avatar they have chosen, the date they joined, their cumulative trading volume and number of trades, and the amount the partner has earned from them. This happens whether or not the referred user has a public profile. If you use somebody’s partner code, you are disclosing that information to that person. Section 38 of our Privacy Policy describes it in full.
What a partner earns. A partner earns a share of the service fee that we ourselves receive on trades made by users who joined using that partner’s code. The share is calculated on our fee. It is not a charge added to any user: a user who joins with a partner code pays exactly the same fees as a user who does not.
The share decreases with time, and is counted for each referred user separately. The applicable percentages and the periods they apply to are stated in the App. The period runs from the moment a given user joined with the code — not from the moment the code was created, and not by calendar year — so different referred users may attract different shares at the same moment. The share applied to a given day’s fees is the one in force for that user on that day.
The partner’s subscription benefit is granted once. In addition to the share, a partner receives a period of paid access to our AI assistant, of the tier and length stated in the App. It is granted once per account, on the first user who joins with that partner’s code, and is not granted again for subsequent users. This is separate from, and does not affect, the benefit a referred user receives, which is granted to each referred user.
What a referred user receives. A user who joins with a valid partner code receives the benefit stated in the App at the time of use, and receives it immediately, with no requirement to trade first. The referred user’s own fees are not reduced. A partner code may be used once per account, and the association with a partner is permanent once made. A code cannot be used by the person who owns it, and the number of users who may join with one code in a single day is limited; the limit is a technical one and is stated in the App when it is reached.
How earnings are counted. Earnings from perpetual-futures trading are calculated from the exchange’s own published record of the fees actually collected. Amounts derived from any source we have not yet independently verified are shown as accrued but are not available for payout until verified.
Payouts. A partner may request a payout once the available balance reaches the minimum stated in the App. Payouts are processed manually and are not instantaneous. We may withhold or reverse a payout where we establish on reasonable grounds that the underlying activity was fabricated or otherwise intended to generate fees artificially.
Changes. We may change the share, the periods it applies to, the minimum payout, the benefit given to referred users, or the programme’s terms, and we may deactivate a code. Deactivating a code stops new users from joining with it; it does not cancel earnings already accrued on users who joined while it was active.
For any question about these Terms, to report content, to request a statement of reasons, or to contest a moderation decision, contact:
Trader Wallet sp. z o.o.
ul. Złota 2-19, 15-016 Białystok, Poland
Email: contact@trader-wallet.com
This is the same address as the point of contact described in Section 25.
19.Comments, likes & publishing limits
Reading is open, writing is not. Any signed-in user may read comments, including the comment wall of any asset. To write a comment, to reply to one, or to like a post or a comment, you need a public profile; a public profile is open to everyone and takes one action to turn on. Writing a post of your own also requires a public profile. Where you have no public profile the App offers to turn one on instead of refusing your text after you have written it.
Where comments live. A comment sits either under a single post about one trade, or on the wall of one asset. An asset wall is public and permanent: it is not a private message, it is not a chat between two people, and there is no way to write to one person through it. Replies go one level deep in both places. You may switch likes or comments off for your own trades, which applies to your existing posts as well as to future ones; that switch is about your own posts and does not close an asset wall, which belongs to no one. You may delete any comment you wrote, in either place.
Publishing is subject to limits that exist to keep the feed usable and to make organised abuse expensive. A comment may not exceed 500 characters, whether it sits under a post or on an asset wall. You may write at most 10 comments per hour in total, counted across posts and asset walls together rather than separately, and at most 3 consecutive comments in the same place. A written post may not exceed 5000 characters, you may publish at most 10 written posts per day, and at most one written post per trade. You may file at most 20 reports per day. These figures may change; the App tells you plainly when a limit has stopped an action rather than failing silently. Attempting to circumvent them, including by using several addresses, is a breach of these Terms.
Before your first comment you must accept the publishing rules. Your acceptance is recorded on our servers with its date and the version of the rules, and the server refuses to store a comment from an address that has no such record. One acceptance covers everything you publish: posts, comments under posts, and asset comments alike.