HashTalksHashTalks

End User License Agreement (EULA)

Last updated: 13 May 2026

This End-User License Agreement ("Agreement") is a legally binding agreement between you ("User", "you", or "your") and Intelligent Trade SIA ("Company", "we", "us", or "our"), the entity operating the HashTalks application.

By downloading, installing, accessing, or using the HashTalks mobile application ("Application"), you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and our Privacy Policy. If you do not agree to these terms, you must not download, install, or use the Application.

1. DEFINITIONS

"Application" means the HashTalks mobile software application and all associated services, distributed via the Apple App Store and Google Play.

"Company" means Intelligent Trade SIA, the entity responsible for the operation, distribution, and maintenance of the Application.

"Subscription" means a recurring paid license required to access and use the Application beyond any applicable trial period.

"End-to-End Encryption (E2EE)" means a method of secure communication that prevents third parties, including the Company, from accessing the content of messages, calls, or files transmitted through the Application.

"Cryptographic Keys" means the private and public key material generated, stored, and managed exclusively on the User's device and used to encrypt and decrypt communications.

2. ELIGIBILITY AND MINIMUM AGE

You must meet the following minimum age requirements to use the Application:

  • United States: 13 years of age (COPPA);
  • European Union and United Kingdom: 16 years of age (GDPR / UK GDPR);
  • Canada: 13 years of age, or higher as required by applicable provincial law;
  • India: 18 years of age, unless verifiable parental consent is obtained;
  • China: 14 years of age (PIPL / MLPS);
  • All other jurisdictions: the higher of 13 years or the minimum digital consent age under applicable local law.

If you are below the applicable minimum age, you are not permitted to use the Application. By using the Application, you represent and warrant that you meet the applicable minimum age requirement.

3. LICENSE GRANT

Subject to your compliance with this Agreement and, where applicable, payment of Subscription fees, the Company grants you a limited, non-exclusive, non-transferable, revocable license to install and use the Application on devices you own or control, solely for your personal, non-commercial purposes. This license does not confer any rights to the Application beyond those expressly stated in this Agreement.

4. INTELLECTUAL PROPERTY AND RESTRICTIONS

The Application and all associated intellectual property rights are owned by or licensed to the Company. No ownership rights are transferred to you under this Agreement.

You agree not to:

  • Copy, modify, distribute, sell, sublicense, or lease any part of the Application;
  • Reverse engineer, decompile, disassemble, or attempt to extract the source code of the Application, except to the extent expressly permitted by applicable law;
  • Create derivative works based on the Application;
  • Remove or alter any proprietary notices, labels, or marks on the Application;
  • Use the Application for any commercial purpose without prior written consent from the Company.

5. PROHIBITED USES

You agree that you will not use the Application to:

  • Transmit, distribute, or store any content that is unlawful, harmful, defamatory, obscene, or otherwise objectionable;
  • Engage in any activity that constitutes a criminal offense or gives rise to civil liability under applicable law;
  • Harass, threaten, intimidate, or harm any other person;
  • Distribute unsolicited commercial communications (spam);
  • Transmit malware, viruses, or other malicious code;
  • Attempt to gain unauthorized access to any system, network, or data;
  • Interfere with or disrupt the integrity or performance of the Application or related services;
  • Circumvent, disable, or interfere with security features of the Application;
  • Collect or harvest personal data of other Users without their explicit consent;
  • Use the Application in any manner that violates applicable export control or sanctions regulations.

6. SUBSCRIPTION TERMS

Access to the full functionality of the Application requires an active Subscription. Subscriptions are billed on a recurring periodic basis through the applicable platform provider (Apple App Store or Google Play). All fees are charged to your platform account. Failure to maintain an active Subscription may result in suspension or termination of access to the Application.

Subscription pricing, billing cycles, free trial terms (if any), and cancellation procedures are governed by the applicable platform provider's policies and the subscription terms presented at the time of purchase. The Company does not directly process payment card or billing information.

7. NATURE OF THE SERVICE

7.1 Encryption and Zero-Knowledge Architecture
The Application is designed to provide end-to-end encrypted communication:

  • The Company does not generate, store, or manage Users' private or public Cryptographic Keys;
  • Key exchange occurs only between Users who have mutually consented to communication;
  • Messages, voice calls, and video calls are encrypted on the User's device and are not decrypted on Company servers;
  • Call sessions use unique, one-time encryption keys that are permanently deleted upon call termination;
  • The Company operates on a zero-knowledge basis and has no access to message content, call content, or Cryptographic Keys.

7.2 Call Features
Voice and video calls are available exclusively between mutual contacts. The Company does not record, store, or process the audio or video content of any call. Calls from Users who are not mutual contacts are automatically rejected.

7.3 Technical Limitations
The Application requires compatible hardware and software capabilities, including a device with secure key storage. The Company makes reasonable efforts to ensure functionality but does not guarantee compatibility with all devices or operating system versions, and shall not be responsible for reduced security or functionality on unsupported or modified devices.

8. COMPANY RESPONSIBILITIES

To the extent permitted by applicable law, the Company:

  • Provides and maintains the Application and associated services using commercially reasonable efforts;
  • Facilitates encrypted communication and key exchange between consenting Users;
  • May update, modify, or discontinue features of the Application at any time with or without notice, subject to applicable consumer rights laws;

The Company does not assume responsibility for:

  • Loss, compromise, or misuse of User Cryptographic Keys;
  • Content transmitted between Users;
  • Security vulnerabilities caused by compromised User devices or environments;
  • Communications intercepted due to spyware, malware, keyloggers, or other malicious software on the User's device.

9. USER RESPONSIBILITIES

You acknowledge and agree that:

  • You are solely responsible for maintaining the security and integrity of your device and operating environment;
  • You are solely responsible for the creation, storage, protection, and backup of your Cryptographic Keys;
  • You must not share your private keys or PIN with any third party;
  • You bear full responsibility for all content you send, receive, or store via the Application;
  • You are responsible for ensuring your device is free of malware, spyware, keyloggers, or other malicious software.

Key Revocation Consequences
If you revoke or delete your Cryptographic Keys:

  • Other Users will lose access to your public key;
  • Previously exchanged messages will become permanently unreadable;
  • Communication sessions will be irreversibly disrupted;
  • This action is final and cannot be undone by the Company.

10. DATA PROTECTION AND PRIVACY

The Company processes limited technical data as necessary to operate the Application. Due to the E2EE design, the Company does not have access to message or call content, nor does it store Cryptographic Keys. For full details, please refer to our Privacy Policy at hashtalks.app/privacy.

Applicable data protection frameworks by jurisdiction:

  • European Union: General Data Protection Regulation (GDPR);
  • United Kingdom: UK GDPR and Data Protection Act 2018;
  • United States: CCPA/CPRA (California) and applicable federal and state privacy laws;
  • Canada: PIPEDA and applicable provincial privacy legislation including Quebec Law 25;
  • India: Digital Personal Data Protection Act, 2023 (DPDP Act);
  • China: Personal Information Protection Law (PIPL).

11. DISCLAIMERS

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

  • THE APPLICATION IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE;
  • THE COMPANY EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT;
  • THE COMPANY DOES NOT WARRANT THAT THE APPLICATION WILL BE ERROR-FREE, UNINTERRUPTED, OR FREE OF HARMFUL COMPONENTS;
  • THE COMPANY DOES NOT WARRANT THAT COMMUNICATIONS WILL REMAIN SECURE IN THE EVENT OF DEVICE COMPROMISE, INCLUDING COMPROMISE BY SPYWARE, KEYLOGGERS, OR OTHER MALICIOUS SOFTWARE.

Nothing in this section excludes or limits any statutory rights that cannot lawfully be excluded or limited under the law of your jurisdiction, including mandatory consumer protection rights.

12. LIMITATION OF LIABILITY

TO THE EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY SHALL NOT BE LIABLE FOR:

  • INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND;
  • LOSS OF DATA, CRYPTOGRAPHIC KEYS, OR COMMUNICATIONS;
  • UNAUTHORIZED ACCESS TO COMMUNICATIONS CAUSED BY USER NEGLIGENCE, DEVICE COMPROMISE, OR MALICIOUS SOFTWARE ON THE USER'S DEVICE;
  • LOSS OF PROFITS, REVENUE, GOODWILL, OR ANTICIPATED SAVINGS.

Mandatory Consumer Rights: Nothing in this Agreement excludes or limits the Company's liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; (c) any liability that cannot be excluded or limited under EU, UK, Canadian, Indian, or other mandatory consumer protection law applicable to you.

13. TERMINATION

This Agreement remains in effect until terminated. The Company may suspend or terminate your access to the Application immediately if:

  • You materially breach any provision of this Agreement;
  • You fail to maintain an active Subscription (where required);
  • Required by applicable law or regulatory order.

Upon termination, your license to use the Application ceases immediately. Termination does not entitle you to a refund of any prepaid Subscription fees except as required by applicable law. Clauses that by their nature should survive termination shall continue to apply.

14. FORCE MAJEURE

The Company shall not be liable for any delay or failure in performance of the Application or related services arising from causes beyond its reasonable control, including but not limited to: natural disasters, government actions, telecommunications failures, internet outages, cyber attacks, or other extraordinary events.

15. DISPUTE RESOLUTION

General: In the event of any dispute, claim, or controversy arising out of or relating to this Agreement, the parties agree to first attempt to resolve the dispute informally by contacting the Company at info@hashtalks.app. The Company will endeavor to respond within 30 days.

U.S. Users — Binding Arbitration: If informal resolution fails, disputes shall be resolved by binding individual arbitration under the rules of the American Arbitration Association (AAA), conducted in the English language. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTION PROCEEDINGS. Nothing in this clause prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction where necessary to protect intellectual property rights or prevent irreparable harm. Certain claims may not be subject to arbitration under applicable state law.

EU and UK Users: Nothing in this clause affects your statutory right to bring claims before the courts of your country of habitual residence or, for consumer disputes, to seek resolution through applicable national alternative dispute resolution schemes.

Canadian Users: Disputes shall be subject to the jurisdiction of the courts of the province of your residence, subject to applicable federal jurisdiction.

Indian Users: Disputes shall be subject to the exclusive jurisdiction of the courts located in New Delhi, India, and governed by applicable Indian law, including the Information Technology Act, 2000. Users may also approach the Grievance Officer designated under the DPDP Act.

Chinese Users: Disputes shall be subject to the jurisdiction of the competent People's Courts in China, and processed in accordance with applicable PRC law, including the PIPL and the Cybersecurity Law.

16. GOVERNING LAW

General: This Agreement is governed by the laws of the Republic of Latvia, without regard to its conflict of law provisions.

EU Users: Notwithstanding the above, consumers habitually resident in the European Union retain all mandatory protections afforded by the consumer protection laws of their country of residence.

UK Users: UK consumers retain all mandatory protections under the laws of England and Wales, including the Consumer Rights Act 2015.

U.S. Users: Applicable U.S. federal law and the law of the User's state of residence apply where mandatory consumer protection provisions are implicated.

Canadian Users: Applicable Canadian federal law and the laws of the User's province of residence apply to mandatory consumer protection matters.

In all cases, consumers retain the benefit of any mandatory statutory rights that cannot be excluded or modified by contract.

17. THIRD-PARTY PLATFORM TERMS

Apple App Store: This Agreement is entered into between you and the Company only, and not with Apple, Inc. Apple is not responsible for the Application or its content. Apple has no obligation to provide maintenance, support, or warranty services in respect of the Application. Apple and its subsidiaries are third-party beneficiaries of this Agreement and may enforce it against you. Your use of the Application must comply with the Apple App Store Terms of Service.

Google Play: This Agreement is entered into between you and the Company only. Google LLC is not a party to this Agreement and bears no responsibility for the Application. Your use of the Application must comply with the Google Play Developer Distribution Agreement.

18. CHANGES TO THIS AGREEMENT

The Company may update this Agreement from time to time. Where required by applicable law, material changes will be communicated to Users in advance. Continued use of the Application following the effective date of any update constitutes acceptance of the revised terms. You are advised to review this Agreement periodically. The current version is always available at hashtalks.app/eula.

19. ENTIRE AGREEMENT AND SEVERABILITY

This Agreement, together with the Privacy Policy, constitutes the entire agreement between you and the Company with respect to the Application and supersedes all prior agreements and understandings. If any provision of this Agreement is held to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect.

20. CONTACT INFORMATION

For legal inquiries and notices under this Agreement:
Intelligent Trade SIA
Apuzes iela 5-2/3, Riga, LV-1048, Latvia
Email: info@hashtalks.app