NOW Wallet App and Website - Terms of Service

Last updated: 31.10.2025

The NOW Wallet application is a non-custodial cryptocurrency decentralized interface that allows users to generate wallets, view balances and, if needed on users end, access blockchain-based tools and third-party services with the digital assets.

Please read these Terms carefully. By using our services, App and/or Website you agree to be legally bound by these Terms and all terms incorporated by reference. If you do not agree with these Terms or any of their clauses, you must immediately stop using the App, the Website and any associated services.

1. General Provisions

1.1. These Terms regulate the use of the NOW Wallet mobile and desktop applications that can be accessed and used through various platforms such as the Google Play Store, the Apple App Store, or through any other distribution channels, including but not limited to direct downloads from the website (the “NOW Wallet”/”App”) and the website itself (https://walletnow.app/) (the “Website”).

1.2 Terminology:

• “User/You”means both business and consumer users of the App and the Website;
• “Digital Assets/Crypto Assets” mean blockchain-based entries;
• “Service” collectively means any services or functionalities available to You via the App and/or the Website.

1.3. The NOW Wallet is owned by CHN Group LLC (Saint Vincent and the Grenadines) (“We”). For the purposes of these Terms, the term "NOW Wallet" shall refer, unless the context clearly indicates otherwise, not only to the Services itself but also to the entity which owns the App and the Website.

1.4. Nature of service. NOW Wallet is a cryptocurrency decentralized interface that allows Users to generate wallets, view balances and, if needed on Users end, access blockchain-based tools and third-party services with the digital assets. NOW Wallet does not store, manage or control Users’ funds and is not a counterparty to Users’ transactions. The wallet and other services are managed directly by the User, operating independently through the blockchain technologies that form the foundation of this App.

1.5. The current version of these Terms is available in-app and on the Website, it may be updated from time to time.

2. Using of Services

2.1. By using the App, the Website and/or the Services You confirm that You are responsible for compliance with applicable laws and these Terms.

2.2. Key functionality. The primary functionality of the App includes wallet creation and balance viewing. Additional features, such as token swaps and merchant payment processing, may be made available at Your discretion and are provided by third party service providers (for further details, please refer to Section 3 of these Terms).

2.3. You Own Your Private Keys. The App operates as a tool for interaction with blockchain protocols. NOW Wallet, as a non-custodial solution, does not store or manage any user data or private information, including private keys, passwords, or backup phrases. It is the User's sole responsibility to securely back up and store their Private Information.

2.4. Blockchain utilities. The App may provide access to: WalletConnect (self-custody connection to third-party wallets/apps) and other blockchain-related informational features. These are provided for convenience and do not constitute financial, investment or custodial services. All blockchain activities are managed directly on the blockchain, and any data you interact with remains under your control. The App leverages blockchain technology to provide decentralized features. These functions are powered by blockchain networks, and all interactions are publicly recorded on the blockchain. Please ensure You understand how these functions work, as they are not reversible once initiated.

2.5. No rates/returns provided by Us. Any pricing, exchange rates, confirmations, refunds, execution terms and other commercial conditions are set and governed exclusively by the respective third-party provider (see sections below for more information about third-party providers).

2.6 No financial services. We do not offer any financial services, and You should not consider any features of the App as an investment, trading, or financial tool operated by Us. Any tokens or digital assets You use are Your sole responsibility.

2.7 In-app notices. Before confirming any operation, the App displays a clear notice that the operation is executed by a third-party provider. Users agree to the Terms, Privacy Policy upon sign-in.

3. Third Party Providers

3.1. While the NOW Wallet interface allows as an extra option access to perform cryptocurrency exchanges, payments and the other certain operations with the digital assets, such functionality is fully managed by an integrated third party service providers (the “Third Parties”). NOW Wallet neither facilitates nor intermediates any transactions; all executions occur solely through the relevant third party provider under its own license. To utilize the respective functionality, Users must accept the terms of the respective third party providers and might need to register in their services. NOW Wallet serves as a bridge and does not handle or process any operations directly.

3.2 The App integrates independent Third Party providers and services, including BANXA.com Pty Ltd, Guardarian OÜ, and Transak Limited, which facilitate certain fiat and crypto-related operations, if Users decide to use them beyond wallet-functionalities the App is designed for. The list of the Third Party providers may be updated from time to time. Payment processing may be subject to local bank policies. Issuer banks may decline the payment on their own terms.

3.3 All exchanges, purchases, sales, storage/custody are performed by such providers under their own licenses and terms.

3.4 We are not a counterparty, do not receive or hold user assets, and are not responsible for third-party execution, rates, availability or refunds.

3.5 Third Party services are not controlled by NOW Wallet, and NOW Wallet shall not be responsible or liable to anyone for third-party services. It is Your responsibility to review the third Party’s terms and policies before using a Third Party services. If You have questions or concerns about how a Third Party service operates, or need support, please contact the Third Party directly.

4. Risk Warning

4.1. Trading and investing in virtual currencies involve substantial risk of loss and is not suitable for all types of investors. Please make sure You are investing mindfully after understanding the nature, complexity and risks inherent in the trading of virtual currency. You should not purchase virtual currency unless You understand the extent of Your exposure to potential loss. Please make sure You are not risking funds You cannot afford to lose. In no event shall We be liable to any loss or damage of any kind incurred as a result of the use of this App, Website or any Services.

4.2. User shall be aware of the risk associated with any operations with the Digital Assets. The risks of Digital Assets transaction include, but are not limited to, the following:

• High price volatility. The value of Digital Assets is entirely derived by market forces of supply and demand, and they are much more volatile than most of the traditional fiat currencies and commodities.
• Legal Risk. The legality of the Digital Assets, trading of them, buying of them or possession may not be clear and may vary under the laws of different jurisdictions throughout the world. This means that the legality of engaging in Digital Assets transaction is not always clear. Whether and on what basis a Digital Asset may constitute property, an asset, or a right of any kind, might vary from one jurisdiction to another. You are responsible for knowing and understanding how the laws applicable to You or your property, rights or assets, limit, regulate, and tax the Digital Assets You use.
• Irreversible transactions. Due to decentralized nature, transactions with Digital assets may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable.
• The blockchains on which Digital Assets operate may temporarily or permanently fork. Some blockchain networks are powered by open source software. When a modification to that software is released by developers, and a substantial majority of miners consent to the modification, a change is implemented and the blockchain network continues uninterrupted.

4.3. We specifically disclaim and shall have no liability to You for the following risks:

• operating system failures;
• disruptions between your hardware, software, and the NOW Wallet;
• cloud backup software (e.g. certain Android distributions) may upload your private information to third party services;
• malware, viruses or other malicious software on your device that is able to take control of or interfere with NOW Wallet or the Website;
• communication delays between your NOW Wallet App and a node or relay services for a virtual currency (and vice versa); and,
• failure to achieve a certain market value/price for a virtual currency token, whether through a third-party service or any other kind of transaction; and, theft of virtual currency tokens.

5. AML/KYC Procedure

5.1. The Service itself does not require account creation. However, third party providers, if their services are required/used for the respective operations, may conduct AML/KYC under their own policies and licenses.

5.2. Any identity data collection, verification windows, and outcomes (including possible freezes/refusals) are handled by the respective provider.

5.3. NOW Wallet does not collect or store Users’ identification documents in the App.

6. Personal Data

6.1. By using the App, you allow NOW Wallet to process minimal technical data required for the App operation in line with the Privacy Policy available in the App. Please check the Privacy Policy available on the Website for more details.

6.2. Transaction-related data (including KYC/AML data) is processed by third-party providers according to their privacy policies. Some Third Party Services may request or require access to your (your customers’) data. If You grant access, your data will be handled in accordance with the third party’s privacy policy and practices.

7. Prohibited Jurisdictions

7.1. Access to the Service or certain operations in the App/Website may be restricted/blocked in case of the respective statutory limitations introduced in the applicable jurisdictions or upon receipt by Us of a lawful order from competent authorities. The App is not available in the United Kingdom, and in any country where the use of such services is prohibited by law or subject to sanctions.

7.2. By accessing and using the Service, App or Website, You represent and warrant that You are not located in, or are not a citizen or resident of the United Kingdom, or any country listed on the United Nations Sanctions Lists and their equivalents, or a country where use of cryptocurrency is prohibited by applicable law.

7.3. We may restrict access based on IP, geolocation or other methods. You are to comply with this Section even if such methods can be bypassed.

8. Disclaimers

8.1. THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”. WE DO NOT WARRANT UNINTERRUPTED ACCESS, ACCURACY OF THIRD-PARTY DATA, OR AVAILABILITY/PERFORMANCE OF THIRD-PARTY SERVICES.

8.2. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE MAKE NO EXPRESS OR IMPLIED WARRANTIES REGARDING THE SERVICE, THE APP AND THE WEBSITE, ANY REFERENCED SERVICES OR EXTERNAL WEBSITES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY AND RELIABILITY.

8.3. NO FINANCIAL OR INVESTMENT SERVICES. THE SERVICE DOES NOT PROVIDE INVESTMENT ADVICE, DOES NOT OFFER YIELDS, RETURNS OR DEPOSITS, AND DOES NOT GUARANTEE PROFITS.

8.4. ANY REFERENCES TO THIRD-PARTY SERVICES, RATES OR TOKENS ARE INFORMATIONAL. USERS ACT AT THEIR OWN RISK.

9. Limitation of Liability and Indemnification

9.1. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, EXEMPLARY, COMPENSATORY, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES, COSTS, LEGAL FEES OR LOSSES. TO THE EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY DAMAGES, LOSSES OF PROFIT, USAGE OR DATA, LOSS OF BUSINESS, FAILURE TO USE THE SERVICES, CUSTOMERS MISUNDERSTANDING, ANY LOSS ORIGINATED FROM NEGLIGENCE OR FRAUD OR OTHERWISE ARISING OUT OF OR CONNECTED TO THE SERVICES.

9.2. THIRD-PARTY EXECUTION. WE BEAR NO LIABILITY FOR EXECUTION, PRICING, REVERSALS, REFUNDS, DELAYS OR FAILURES OF THIRD-PARTY PROVIDERS, INCLUDING BUT NOT LIMITED THEIR COMPLIANCE WITH THE APPLICABLE LAWS OR REQUIREMENTS OF RELEVANT AUTHORITIES.

9.3. AGGREGATE LIABILITY OF US TO YOU FOR ALL CLAIMS RELATING TO APP, WEBSITE AND SERVICE SHALL NOT EXCEED EUR 500.

9.4. You agree to indemnify, defend, and hold harmless Us and its representatives from any losses, damages, claims, liabilities, and expenses, including legal fees, arising out of your use of the Service.

10. Permissible Use and Your Representations

10.1. You agree not to use the Service for illegal activities or to impair the Service’s operation.

10.2. You shall not misrepresent your identity, attempt to bypass geo-restrictions, or use automated scraping tools.

10.3. If You are a business, You represent and warrant that You are legally authorized to act on behalf of the business entity and that all actions taken through the App/Website are for legitimate business purposes. If You are a natural person, You represent and warrant that Your use complies with all applicable laws and regulations in Your jurisdiction. You acknowledge the limitations and rules governing the use of the Service, and You agree to act within the scope of Your legal rights, including any age-related restrictions in your jurisdiction.

10.4. By using our Services, You represent that You are at least the age of majority in your jurisdiction or that you have given consent for any minor dependents to use our Services. We do not knowingly collect personal information from individuals under the age of 18.

11. Termination

11.1. We may suspend or terminate access to the Service without prior notification for security, compliance or in case of Your breach of these Terms and without liability. We will have no obligation to provide a refund of any amounts previously paid by You.

11.2. Certain provisions of these Terms, including those related to liability, disclaimers, governing law, and general clauses (Sections 2–10 and 13–21), will continue to apply after termination.

12. Modifying the App, the Website and the Service

12.1. We may add, change or remove features without prior notice, including integrations with third-party providers.

13. Governing Law and Arbitration

13.1. These Terms are governed by the laws of Saint Vincent and the Grenadines.

13.2. The parties submit to the exclusive jurisdiction and venue of the competent courts of Saint Vincent and the Grenadines.

13.3. Services provided in the Kyrgyz Republic may be rendered through CJSC AimTech (licensed VASP) in compliance with local law.

14. Links to Third-Party Sites

14.1. The App/Website may contain links to third-party sites. We do not control or endorse their content and is not responsible for their policies or services.

14.2. Once you follow a link to a third-party site, your relationship is with that third party, not with Us.

15. Intellectual Property

15.1. Using the App or Website does not grant you rights to Our IP or software except for the ones specified herein. Subject to your compliance with the Terms, We grant You a nonassignable, non-transferable, non-sublicensable, revocable, and non-exclusive license to use the App on devices You own or control solely for Your personal or internal business purposes.

15.2. Trademarks, trade names, service marks, logos of NOW Wallet and others, software, applications, text, images, graphics, data, prices, charts, graphs, video, and audio materials used on the Website or the App (collectively, “Content”) are the property of Us and/or its respective owners. The Content may not be copied, reproduced, modified, republished, uploaded, posted, transmitted, scraped, collected, or distributed in any form or by any means, whether manual or automated. The use of any Content from on any other website or networked computer environment for any other purpose, except as part of participation in and use of the Services, is strictly prohibited; and any such unauthorized use may violate copyright, patent, trademark, and any other applicable laws and may result in criminal or civil penalties.

15.3. Use of search queries comprising a direct domain name or the brand name such as (but not limited to) now wallet, сhangenow, changenow.io, change now, etc. is prohibited in paid SEA advertisements used to attract affiliates. Violation of this rule may result in exclusion from the affiliate program (included, but not limited to, blocking of API keys and forbidding of profit withdrawal).

16. Modifications of these Terms

16.1. We may update these Terms by changing the “Last updated” date. Updates take effect upon posting on the Website. Continued use constitutes acceptance.

17. Assignment

17.1. We may assign its rights/obligations under these Terms.

17.2. Users may assign their rights only with Our prior written consent.

18. Entire Agreement

These Terms constitute the entire agreement regarding the Service, App and the Website and supersede prior understandings related to the matter.

19. Severance and Validity

If any provision is invalid or unenforceable, it will be replaced by a valid provision reflecting the original intent; the remainder remains in force.

20. Costs

20.1. We may recover reasonable administrative costs caused by user-initiated issues not arising from Our fault.

20.2. Except as provided otherwise in these Terms, each Party shall pay its own costs and expenses in connection with the negotiation, preparation and performance of these Terms.

21. Miscellaneous

21.1. Nothing in these Terms creates a partnership, agency or joint venture. We may engage third parties to fulfil its obligations related to the Service.

21.2. Contact. If you have any questions relating to these Terms, your rights and obligations arising from these Terms and/or your use of the Service, please contact [email protected].

21.3. Since the App is locally installed, you are responsible for the security of the device on which it is installed, including ensuring that you keep anti-virus software current and otherwise protect the device on which the App is installed against malware.