End User Terms of Use

Last updated: October 8, 2026

1. WHO WE ARE

These End User Terms of Use (the “Terms”) apply to your use of Poket, a digital wallet and payments product operated by Quantum Works LLC, a Wyoming limited liability company with offices at 166 Geary Street, San Francisco, CA 94108 (“Quantum Works,” “we,” “us,” “our”). Quantum Works is the legal entity you contract with when you use Poket.

You can use Poket directly through our app and website, or through a partner platform that has embedded Poket (see Section 4).

Poket is not a bank. Fiat accounts are provided by our program bank, cards by our issuing bank, and payment rails and card acceptance by our banking and payment processing partners. Where a service requires a third party to hold Digital Assets, a licensed custodian does so. Poket is not a licensed broker-dealer, investment adviser, or gaming operator, and does not offer those services.

In these Terms, “Digital Asset” means any stablecoin, cryptocurrency, or token we support, and “Business Day” means any day other than a Saturday, Sunday, or bank holiday in San Francisco, California.

2. ELIGIBILITY

You must be at least 18 years old to register. We verify age at registration (self-attestation), again at your first deposit (using your government-issued ID), and again at withdrawal, against your verified date of birth. Accounts that fail age verification are blocked and flagged for review.

You must also be located in a jurisdiction where Poket is available. We check your location at login and again at every transaction. Some jurisdictions are blocked by law (including jurisdictions subject to comprehensive U.S. sanctions) and cannot be unblocked.

3. REGISTRATION, ACCEPTANCE, AND ACCOUNT RESPONSIBILITIES

You accept these Terms when you create an account and again when you first fund your account. We keep a record of each acceptance.

You are solely responsible for the confidentiality and use of your account, including your login credentials. You agree to notify us immediately if you become aware of loss, theft, or unauthorized use of your credentials. You will provide accurate, complete registration information and keep it up to date. We may monitor and record account activity to confirm compliance with these Terms.

Each account is for your personal use only. You may not share your login credentials, and we may suspend or cancel your access if you do, or if you breach these Terms.

4. ACCESSING POKET THROUGH A PARTNER PLATFORM

You may access Poket through a third-party business's app or website that has integrated Poket as an embedded wallet. The partner business may control the onboarding presentation and branding you see and owns its own relationship with you. We own and operate all compliance and account controls described in these Terms (identity verification, tiering, geolocation, transaction monitoring, and limits), identically to the standalone app. Your contractual relationship for wallet and compliance matters is with Quantum Works. The partner business does not configure, alter, or bypass any of these controls. The app identifies the provider of each service.

5. ACCOUNT TIERS AND VERIFICATION

Poket uses a tiered verification model. Each tier requires additional identity information and unlocks additional services and transaction limits:

• Tier 0 (Registered): Email, phone, and self-attested age. Limited monetary activity.
• Tier 1 (Basic): Government ID and liveness check (via our identity verification partner), plus sanctions and watchlist screening. Unlocks deposits, withdrawals, wallet, and peer-to-peer transfers.
• Tier 2 (Standard): Proof of address, in addition to Tier 1. Unlocks higher transaction limits.
• Tier 3 (Enhanced): Source of Funds declaration and additional document validation, in addition to Tier 2. Unlocks virtual account details, wire transfers, virtual cards, and the highest transaction limits.

Transaction limits at each tier are set by us and may change. Current limits are available in the app.

We screen you against sanctions and watchlists at verification and monthly thereafter. If you are flagged as a sanctions match, your account will be restricted and, where required, reported to regulators.

6. HOW YOUR MONEY AND DIGITAL ASSETS ARE HELD

Fiat accounts. Fiat balances are held by our program bank in accounts for the benefit of account holders. Poket provides the technology, ledger, and program management. If our ledger and the bank's records differ, the bank's records prevail. Fiat balances bear no interest unless we tell you otherwise and are not deposits with Quantum Works. Any deposit insurance depends on the program bank's terms, which are available in the app.

Non-custodial wallet. Your primary wallet is a non-custodial wallet. You alone generate and control the private keys and recovery phrase. Poket provides the wallet software and interface only. We never hold, control, or have access to your keys or the Digital Assets in your wallet. We cannot freeze, hold, reverse, or restrict access to a non-custodial wallet, including if we suspend your account, end these Terms, or become insolvent. You are solely responsible for safeguarding your keys. We cannot recover lost keys or reverse transfers from your wallet.

Temporary custody. Where a service requires a third party to hold Digital Assets (for example during conversion, settlement, screening, or a pending transfer), they are held temporarily in a custodial wallet with a licensed custodian under its terms. A custodial wallet is not a place to store Digital Assets. We move the balance to your non-custodial wallet, or convert it to fiat, within 1 Business Day after the reason for custody ends. If our ledger and the custodian's records differ, the custodian's records prevail.

Risks. Digital Assets are not deposits and are not insured by any government agency. Values fluctuate, and a stablecoin may lose its peg. We do not provide yield, staking, lending, or investment products, and we do not guarantee any return.

7. PAYMENTS, TRANSFERS, AND CONVERSIONS

Poket supports ACH, debit and credit card, pay by bank, push to card, RTP, wire, and stablecoin transfers, depending on your tier and the features enabled for you. Each method has its own limits and cut-off times, shown in the app. We may decline, hold, or reverse a transaction for fraud, risk, or compliance review.

Finality. Transfers between Poket accounts are final when posted to our ledger. A Digital Asset transfer is final once confirmed on the relevant blockchain network. You are responsible for the accuracy of the destination address.

Card-funded purchases of Digital Assets. Card-funded purchases are limited to USD 10,000 per user per day, and identity verification is required before cumulative purchases exceed USD 500. We may approve higher limits after enhanced due diligence and may reinstate the limit at any time. Converting Digital Assets to fiat above USD 1,000 requires enhanced verification and source of funds evidence.

Before you confirm a purchase of Digital Assets, we show you: (a) a description of the Digital Asset, including its type; (b) the total cost in fiat currency, including all fees, charges, and taxes; (c) the destination wallet address for you to confirm; (d) a statement that the Digital Asset's value may fluctuate; and (e) any restriction on return, refund, or cancellation. The same information appears on your receipt.

Conversions. Where a transaction needs a currency or asset conversion, we convert at our rate at the time of execution plus a margin, which is shown before you confirm.

8. PURCHASES FROM MERCHANTS

When you pay a merchant with Poket, the checkout page names the seller of record, which is either Quantum Works or the merchant. Where Quantum Works is the seller of record, we issue your receipt and, where required, a tax invoice, we collect and remit applicable taxes, and the charge appears on your statement as “QUANTUM WORKS*” followed by the merchant's trading name. In every case the merchant is responsible for its products, including their description, price, quality, legality, and delivery. We do not make, store, inspect, or ship products and give no warranty for them. Contact the merchant first about an order. Merchants are required to deliver within the time stated at checkout, and in any case within 30 days for physical goods or 24 hours for digital goods after payment is captured. Refunds, returns, and cancellations are covered in Section 17.

9. MONITORING, HOLDS, AND ACCOUNT RESTRICTIONS

We monitor transactions for fraud and money-laundering patterns, including structuring, rapid deposit-withdrawal cycling, and unusual geographic activity. We, our program bank, and our custodian may hold, decline, restrict, or close your account or a custodial balance, return funds, or decline any instruction where law, network rules, or risk requires, and may act on legal process without notice to you. This does not apply to your non-custodial wallet (Section 6).

We may contact you directly where a service, network rules, or law requires, including about disputes, error resolution, account notices, and legal notices. We log account and transaction activity and retain those records for at least 5 years; we may be required to produce them to regulators or law enforcement.

10. FEES

Poket may charge fees for certain transactions and services. Applicable fees are disclosed to you before you complete a transaction. Network, bank, card issuer, processor, and on-chain network (gas) fees are passed through at cost. We will give you at least 30 days' notice before any fee increase takes effect.

11. YOUR RESPONSIBILITIES AND PROHIBITED USES

You agree to provide accurate information, keep your credentials secure, and comply with applicable law. You are responsible for transactions made from your account unless caused by our error.

You must not use Poket:

• for money laundering, terrorist financing, fraud, or sanctions evasion, or to deal with sanctioned persons or from embargoed jurisdictions;
• to hold funds for third parties or to operate a payment, money transmission, or currency exchange business;
• for adult content or services, illegal drugs, weapons, counterfeit or stolen goods, pyramid schemes, or unregistered investment products;
• for gambling, lotteries, or sweepstakes without our written approval and the required licenses; or
• in any way that breaches network rules or the law.

12. INTELLECTUAL PROPERTY

The content and design of our app, website, and any material we provide to you (collectively, “Poket Content”) is our property or that of our licensors. You may not reproduce, modify, or commercially exploit Poket Content, or use our trademarks or trade names, without our prior written permission. Our software is proprietary; you may not copy, reverse engineer, or modify it except as expressly permitted by these Terms.

13. THIRD-PARTY SERVICES

Poket relies on third parties to provide parts of the service, including our identity verification partner, our bank-link risk partner, our blockchain screening partner, and our banking, custody, and card partners. Your use of Poket may be subject to those providers' own terms.

14. DISCLAIMERS, LIMITATION OF LIABILITY, AND INDEMNITY

Except where these Terms say otherwise, Poket and Poket Content are provided “as is” and “as available” to the fullest extent permitted by law. Quantum Works and its partners disclaim all implied warranties, including merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that Poket will be uninterrupted, error-free, or secure, that any transaction will be approved, settled, or free from dispute, or that any Digital Asset will hold its value. We give no warranty for merchants' products or any third-party service.

To the maximum extent permitted by law, neither you nor Quantum Works is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, goodwill, or data. Our total liability to you is limited to the greater of the fees you paid us in the 12 months before the event and USD 25,000. These limits do not apply to fraud, gross negligence, or willful misconduct, or to amounts you owe us. We are not liable for loss caused by blockchain network failure, protocol change, fork, smart-contract defect, or loss of value of a Digital Asset, except where caused by our gross negligence or willful misconduct.

You agree to defend, indemnify, and hold harmless Quantum Works, its affiliates, partners, officers, employees, and agents from claims, losses, fines, and expenses, including reasonable legal fees, arising from your breach of these Terms, network rules, or law, or from any transfer or instruction you originate.

15. FORCE MAJEURE

Neither you nor Quantum Works is liable for delay or failure to perform (other than payment obligations) caused by events beyond reasonable control, including natural disaster, war, civil unrest, government action, labor dispute, network, blockchain, or partner outage, or a cyberattack not preventable by industry-standard security, provided the affected party gives prompt notice and mitigates.

16. GOVERNING LAW AND DISPUTES

These Terms are governed by the law of the State of California, without regard to conflict-of-law principles.

Informal resolution. Write to us first (see Section 21). We will try to resolve your complaint within 30 days.

Arbitration. If a dispute is not resolved, it will be finally decided by binding individual arbitration before a single arbitrator appointed by JAMS in San Francisco, California, under its rules. Any court may enforce the award. Each party bears its own legal fees unless the arbitrator finds bad faith. You and Quantum Works may bring claims only in an individual capacity, and not as a plaintiff or class member in any class or representative action.

Exceptions. Either party may seek emergency injunctive relief from a court to protect confidential or personal information or intellectual property, and either party may bring a claim in small claims court if it qualifies. For matters not subject to arbitration, the state and federal courts in San Francisco, California have exclusive jurisdiction, and each party waives jury trial.

Time limit. To the extent permitted by law, a claim must be commenced within 12 months after it arises.

17. REFUNDS, CANCELLATIONS, AND RETURNS

Purchases from merchants. Each merchant must maintain a refund, return, and cancellation policy, which is shown at checkout. Refunds are processed on the merchant's instruction, or by us where law or network rules require or to resolve a valid complaint. Refunds are paid only to the original payment method, for no more than the original amount, and never in cash or to a different payment method unless the original is closed and network rules permit. A refund can take 5 to 10 Business Days to appear, depending on your bank or card issuer.

Failed or erroneous transactions. If a transaction fails or is processed incorrectly because of an error by us or our partners, we will correct or reverse it within 5 Business Days after the error is identified.

Disputed transactions. Tell us within 60 days of the transaction date if you believe a transaction was unauthorized or processed in error. We will investigate and respond within 10 to 15 Business Days of receiving your report and, where warranted, reverse the transaction. Card-funded transactions are also subject to your card issuer's dispute process. Nothing here limits your rights under law.

Digital Asset transfers. A Digital Asset transfer is final once confirmed on the blockchain network. No reversal or refund is available after that except at our discretion, so check the destination address before you confirm.

Cancelling your account. You may close your account at any time by contacting customer service (Section 21). We will return your remaining fiat balance to your verified bank account or original funding source within 10 Business Days after closure, less any amounts you owe, and subject to holds required by law or by a pending dispute or investigation. Your non-custodial wallet remains yours. Any custodial balance is handled as Section 6 describes.

Fees. Fees for services already provided are not refundable, except where we billed in error, where the transaction failed because of our error, or where law requires.

18. NOTICES AND ELECTRONIC COMMUNICATIONS

We may send you statements, policy updates, and operational communications by email to your account address or through the app, and you consent to receive them electronically.

Legal notices to us (including notices of breach, indemnity claims, and disputes) must be in writing and delivered by courier or registered mail to Quantum Works LLC, Attn: Legal / Compliance, 166 Geary Street, San Francisco, CA 94108, or by email to legal@onepoket.com.

19. CHANGES, TERMINATION, AND GENERAL TERMS

Changes. We may update these Terms on 30 days' notice by email or in the app, or immediately where a network, partner, or law requires. If you keep using Poket after the effective date, you accept the changes. If you do not agree, close your account.

Termination. You may close your account at any time. We may suspend or terminate your access at any time, including if a network, partner, or regulator requires it, if you breach these Terms, or if we reasonably believe your activity is fraudulent or illegal. Closing your account does not affect your non-custodial wallet. Provisions that by their nature should survive termination do so.

Priority. If these Terms conflict with a rule required by a payment network, bank partner, or acquirer, that rule applies.

General. These Terms are the entire agreement between you and Quantum Works about Poket. You may not assign them; we may assign them to an affiliate or to a purchaser of our business, and may subcontract to our partners. If a provision is unenforceable, it is modified to the minimum extent necessary and the rest continues. A waiver is effective only in writing. You and Quantum Works are independent parties, and nothing here creates a partnership or agency.

20. PRIVACY

Information you provide is used in accordance with our Privacy Policy, which you should read alongside these Terms.

21. CONTACT AND CUSTOMER SERVICE

Quantum Works LLC, a Wyoming limited liability company
166 Geary Street, San Francisco, CA 94108

Customer service: support@onepoket.com
Legal notices: legal@onepoket.com