Terms & Conditions

Including Security Policy & Risk Disclosure

Effective Date:
12 February 2026
Last Updated:
12 February 2026

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THE APPLICATION. BY ACCESSING OR USING THE HBANK APPLICATION (THE "APPLICATION"), YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE APPLICATION.

1. Acceptance of Terms

These Terms & Conditions ("Terms") constitute a binding legal agreement between you and the operators of HBank ("we," "us," or "our"). The Application is a non-custodial software interface that aggregates decentralized exchanges and cross-chain bridges, enabling users to route, swap, and bridge digital assets via third-party blockchain protocols and smart contracts.

By accessing or using the Application, you represent that:

  • You are at least 18 years old, and
  • You have the legal capacity to enter into these Terms.

2. Description of the Application

HBank provides a user interface and routing logic that allows users to interact with third-party decentralized protocols, liquidity sources, and bridge solutions. You acknowledge and agree that:

  • The Application is provided on an "as is" and "as available" basis and may be experimental.
  • Transactions are executed by smart contracts deployed on public blockchains, not by us.
  • Use of the Application involves significant risks, including loss of funds, failed transactions, bridge delays, smart contract exploits, or routing failures.
  • Digital assets are volatile and may lose value or become worthless.
  • You use the Application entirely at your own risk.

3. No Custody; No Financial Advice

  • We do not custody, hold, control, or manage user funds at any time.
  • We never have access to your private keys, wallets, or assets.
  • Nothing on the Application constitutes legal, financial, tax, or investment advice.
  • You are solely responsible for evaluating the risks of any transaction, protocol, bridge, or digital asset.

4. User Responsibilities

By using the Application, you agree that you:

  • Are solely responsible for maintaining the security of your wallet, private keys, seed phrases, and devices;
  • Will comply with all applicable laws and regulations in your jurisdiction;
  • Will only use digital assets you lawfully own or control;
  • Understand that transactions on blockchain networks are irreversible;
  • Are responsible for paying all applicable gas, network, bridge, and protocol fees;
  • Accept that we cannot reverse, cancel, or recover any transactions.

5. Prohibited Use

You may not use the Application to:

  • Violate any applicable law, regulation, sanction, or compliance obligation;
  • Engage in fraud, money laundering, terrorist financing, or other unlawful activity;
  • Interfere with, disrupt, or attempt to compromise the security, integrity, or availability of the Application or related infrastructure;
  • Circumvent access controls, geo-blocking, or compliance measures.

6. Sanctions & Restricted Jurisdictions

You represent that you are not:

  • Located in, incorporated in, or ordinarily resident in any jurisdiction subject to comprehensive sanctions, including but not limited to: Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine;
  • Listed on any sanctions or restricted persons list maintained by OFAC or other relevant authorities.

We reserve the right to restrict or block access where legally required.

7. U.S. Jurisdictions

The Application is not offered in any U.S. state or territory where such offering would be unlawful or would require registration, licensing, or regulatory approval. You represent that your use of the Application does not violate any such restrictions.

Security Policy

8. Security Commitment

We aim to take reasonable steps to improve the security of the Application, including:

  • Using audited or commonly used third-party smart contracts where possible;
  • Monitoring the Application for abnormal behavior;
  • Applying fixes and updates when vulnerabilities are identified.

However, you acknowledge that no system is perfectly secure and that DeFi protocols and bridges are frequent targets of exploits.

9. Responsible Disclosure

If you believe you have identified a vulnerability affecting the Application:

  • Contact us via our Discord server
  • Do not publicly disclose the vulnerability until we have had a reasonable opportunity to investigate and mitigate it.
  • Do not exploit vulnerabilities beyond what is necessary to demonstrate their existence.

Good-faith security research conducted in accordance with these guidelines will not result in legal action by us.

Risk Disclosure

10. Blockchain & Smart Contract Risks

  • Blockchain transactions are irreversible.
  • Smart contracts may contain bugs or vulnerabilities, even if audited.
  • Bridge protocols are particularly exposed to exploit risk, liquidity risk, and operational risk.

11. Technology & Operational Risks

  • The Application may experience downtime, degraded performance, routing failures, or incorrect quotes.
  • Third-party infrastructure failures (RPCs, bridges, liquidity providers) may cause transaction failures or delays.
  • Blockchain upgrades, forks, or outages may disrupt functionality.

12. Market & Liquidity Risks

  • Digital assets are volatile and speculative.
  • Liquidity fragmentation across chains and venues may cause slippage, failed swaps, or unfavorable execution.
  • Bridge liquidity constraints may delay or prevent transfers.

13. Regulatory Risks

Laws and regulations applicable to digital assets vary by jurisdiction and may change. Regulatory actions could limit or prohibit access to parts of the Application. You are solely responsible for compliance with applicable laws.

14. No Guarantees

We do not guarantee:

  • Transaction success
  • Best price execution
  • Bridge completion
  • Availability or uptime of any third-party protocol

Legal Stuff

15. No Warranty

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE APPLICATION IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF FUNDS, LOST PROFITS, FAILED TRANSACTIONS, OR BRIDGE FAILURES, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT ALL USE OF THE APPLICATION IS AT YOUR SOLE RISK, AND WE SHALL HAVE NO LIABILITY WHATSOEVER FOR ANY LOSSES OR DAMAGES ARISING FROM OR RELATING TO YOUR USE OF THE APPLICATION.

17. Class Action Waiver

You agree that any disputes will be resolved on an individual basis and waive any right to participate in class or representative actions.

18. Modifications

We may update these Terms at any time by posting a revised version. Continued use of the Application constitutes acceptance of the updated Terms.

19. Governing Law

These Terms shall be governed by the laws of the State of Wyoming, USA, without regard to conflict of law principles.

20. Severability

If any provision is found unenforceable, the remaining provisions remain in effect.

21. Contact

All support is provided through our Discord server. For questions about these Terms, please reach out there.