Bitmo Terms of Service

Effective date: November 04, 2026

These Terms of Service (“Terms”) are a legal agreement between you and Agile Zone LLC, doing business as M Genio (“we”, “us”, “our”), a Michigan limited liability company. They govern your use of the Bitmo mobile app, the website bitmo.me and related services (together, the “Service”). Please read them carefully. By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. What Bitmo is

Bitmo is non-custodial wallet software. It lets you create and use a Bitcoin wallet on your own device, send and receive Bitcoin on-chain and over the Lightning Network, find and pay other Bitmo users, and, where available, buy and sell Bitcoin through third-party providers.

Bitmo is not a bank, exchange, broker, money transmitter or custodian. We do not hold your funds or your private keys. We do not provide investment, legal, tax or financial advice.

2. Eligibility and your account

You must be at least 18 years old, and able to enter a binding contract, to use the Service. You may not use the Service if you are located in, or are a resident or national of, a country or region subject to comprehensive sanctions, or if you are on a sanctions or restricted-party list.

You sign up with a phone number and choose a username. You are responsible for keeping your phone number, device and account secure, and for all activity under your account. You must give accurate information and keep it up to date. You may have only one account unless we agree otherwise.

3. Your wallet and recovery phrase

When you create a wallet, the app generates a recovery phrase on your device. The recovery phrase controls your funds. It is stored on your device, and the current version of the app does not send it to our servers.

You are solely responsible for writing down and safeguarding your recovery phrase and for keeping your device secure. We cannot see, reset, recover or reissue your recovery phrase, and we cannot reverse, cancel or recover any transaction. If you lose your recovery phrase or your device, or someone else obtains it, you may permanently lose your funds, and we cannot help you get them back. Never share your recovery phrase with anyone, including anyone who claims to be from Bitmo.

4. Transactions

Bitcoin and Lightning transactions are irreversible once broadcast or paid. Before you confirm a transaction, check the amount, the recipient and the fee. Network fees go to the network, not to us, and can change quickly. Transactions may be delayed, may fail or may require a higher fee to be confirmed.

Payments to another Bitmo user use the receiving address linked to that user’s profile. You are responsible for checking that you are paying the right person. Amounts shown in other currencies are estimates based on third-party exchange rates and may differ from the actual value.

Lightning payments depend on third-party network infrastructure and may fail, take longer than expected, or require you to move funds between your on-chain and Lightning balances. Features that move funds between those balances may involve additional fees and minimum amounts, which the app shows before you confirm.

5. Buying and selling Bitcoin through third parties

Where available, the app lets you buy and sell Bitcoin through a third-party provider (currently planned to be Transak). The provider, not Bitmo, runs the purchase or sale, verifies your identity, processes your payment, applies its own fees and limits, and decides whether to approve your order. Your use of the provider is subject to the provider’s own terms and privacy policy, which you must accept in its widget.

We are not a party to your transaction with the provider, we do not receive your payment details, and we are not responsible for the provider’s actions, delays, refusals, fees, exchange rates or any loss arising from them. We may receive limited information such as an order identifier and status so that we can support you. We may add, change or remove providers, or disable buying and selling in some regions, at any time.

6. Third-party services

The Service relies on third-party software and services, such as Bitcoin and Lightning network infrastructure, cloud and messaging services, exchange-rate sources and the providers described above. We do not control them. They may change, fail or become unavailable, which may affect the Service. We are not responsible for third-party services.

7. Acceptable use

You agree not to:

• use the Service for any unlawful purpose, including money laundering, terrorist financing, fraud, evading sanctions or paying for illegal goods or services;
• harass, threaten, impersonate or defraud other users, or send unwanted payment requests;
• attempt to access other users’ accounts or data, or interfere with or disrupt the Service, our systems or the network;
• reverse engineer, copy or resell the app, except as the law allows;
• use bots, scrapers or automated means to access the Service or to search for users;
• circumvent geographic, security or access restrictions; or
• use the Service in a way that violates the rights of others or any applicable law.

We may suspend or restrict your access to social features (such as search, requests and notifications) or to buying and selling, remove content, or close your account if we reasonably believe you have broken these Terms or the law, or if we are required to do so. Because we do not hold your funds, we cannot freeze or seize your wallet, and you will remain able to use your recovery phrase with other compatible wallet software.

8. Compliance with law and sanctions

You are responsible for complying with the laws that apply to you, including laws on taxes, reporting and the use of digital assets. We do not provide tax or legal advice, and we do not report your activity to any tax authority. You must not use the Service if doing so would be illegal where you live. We may limit or disable features, such as buying and selling, in certain countries, and we may respond to valid legal requests.

9. Your content and information

Your username, display name and profile photo may be visible to other users, and you may be found by other users through search. Do not post anything unlawful, offensive or misleading. You give us a limited, worldwide, royalty-free licence to host and display your content as needed to run the Service. You are responsible for the content you provide. Our Privacy Policy explains how we handle personal information.

10. Our rights in the Service

We and our licensors own the Service, including the app, software, design, name, logos and content that we provide. We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the app on your own devices in accordance with these Terms. Bitmo includes open-source software, which is governed by its own licences. Feedback you give us may be used without obligation to you.

11. Risks

Digital assets are volatile and risky. Their value can fall to zero. Software can contain bugs, and wallets, networks and third-party services can fail or be attacked. Lightning and other off-chain technologies carry additional risks. Regulation may change and may affect the Service or the value or use of digital assets. You are responsible for deciding whether using digital assets suits you, and you should only use amounts you can afford to lose. Past performance does not predict future results. We recommend that you start with small amounts and keep your recovery phrase backed up offline.

12. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AVAILABILITY AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE, OR THAT TRANSACTIONS WILL BE COMPLETED OR CONFIRMED. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, FUNDS OR DIGITAL ASSETS, ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS INCLUDES LOSSES FROM LOST OR STOLEN RECOVERY PHRASES OR DEVICES, MISTAKEN OR UNAUTHORISED TRANSACTIONS, NETWORK OR THIRD-PARTY FAILURES, OR PRICE CHANGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE CLAIM AND (B) USD 100. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW.

14. Indemnity

You agree to defend and indemnify us and our members, officers, employees and agents against claims, losses and expenses (including reasonable legal fees) arising out of your breach of these Terms, your misuse of the Service, or your violation of any law or of the rights of another person.

15. Termination

You can stop using the Service and delete your account at any time (see the Privacy Policy). We may suspend or end your access to the Service, or end the Service, at any time, with notice where reasonably possible. Because your wallet is non-custodial, you remain in control of your funds after your account ends. Back up your recovery phrase before you delete the app or your account. Sections that by their nature should survive termination will survive.

16. Changes to the Service and to these Terms

We may change the Service and these Terms from time to time. If we make a material change, we will tell you in the app or by another reasonable method before it takes effect where possible. By continuing to use the Service after the change takes effect, you accept the updated Terms. If you do not agree, stop using the Service.

17. Governing law and disputes

These Terms are governed by the laws of the State of Michigan, USA, without regard to conflict-of-laws rules. Any dispute that is not resolved informally will be brought in the state or federal courts located in Washtenaw County, Michigan, and you and we consent to their jurisdiction, except that either party may seek urgent relief in any competent court. Before filing a claim, you agree to contact us and try to resolve the dispute in good faith for at least 30 days. If you are a consumer, mandatory consumer-protection laws of the place where you live still apply to you.

18. General

These Terms, together with the Privacy Policy, are the entire agreement between you and us about the Service. If any part is found unenforceable, the rest remains in effect. Our failure to enforce a right is not a waiver. You may not transfer your rights under these Terms without our consent; we may transfer ours as part of a merger, sale or reorganisation. We are not liable for failures caused by events beyond our reasonable control.

19. Contact

Agile Zone LLC (dba M Genio), 2500 Packard, Suite 101, Ann Arbor, MI 48103, USA. Email: contact@bitmo.me