Terms of Service

Last updated: May 2026

1. Who you are contracting with

Quantum Crypto App is published and operated by Quantum Encoding Ltd (UK; Company No. 16575953; registered office 33 Oxford Street, Coalville, LE67 3GS). These Terms govern your use of the Quantum Crypto App wallet app and the www.quantumcryptoapp.com website, and are a contract between you and Quantum Encoding Ltd.

Where you use the in-app fiat-to-crypto on-ramp (where available), that purchase creates a separate contractual relationship directly with Alchemy Pay AG — the regulated payment institution that processes the payment, holds the funds, and acts as the merchant of record — subject to Alchemy Pay AG's own terms. Quantum Encoding Europe Limited (Ireland; Company Registration Number 807205; registered office The Black Church, St Mary's Place, Dublin 7, Ireland) is Alchemy Pay AG's onboarded commission partner / introducer for the on-ramp service and receives a referral fee on completed transactions. Quantum Encoding Europe Limited is not the merchant, does not handle fiat funds, and does not contract with you for the payment itself. See §4 below.

Quantum Encoding Ltd and Quantum Encoding Europe Limited are affiliated companies under common control. You may see one or the other named on receipts, in-app payment screens, or legal correspondence depending on which function is involved — they are the same business, structured into two entities for jurisdictional reasons.

2. Self-custody

Quantum Crypto App is a self-custodial cryptocurrency wallet. This means:

• You are solely responsible for securing your seed phrase and private keys.
• We cannot recover lost or stolen funds.
• We cannot reverse, modify, or accelerate any blockchain transaction.
• You are responsible for verifying all transaction details (recipient address, amount, network, gas) before confirming.

3. No financial advice

Any market analysis or information provided by Quantum Crypto App, including AI-powered features, is for informational purposes only and does not constitute financial, investment, tax, or legal advice. Cryptocurrency is volatile and you may lose your entire investment. Do your own research.

4. Fiat on-ramp service (Alchemy Pay AG)

Where available, the in-app fiat-to-crypto on-ramp service is processed by Alchemy Pay AG, a regulated payment institution that is the merchant of record for these transactions. Quantum Encoding Europe Limited's role in this service is strictly that of an onboarded commission partner / introducer with Alchemy Pay AG — Quantum Encoding Europe Limited receives a referral fee on completed on-ramp volume and does not handle fiat funds, hold payment data, or contract with you for the payment itself.

When you initiate a purchase:

• Your payment details (card, billing address, KYC documents) are submitted directly to Alchemy Pay AG and are governed by Alchemy Pay AG's terms and privacy policy — not by these Terms.
• Neither Quantum Encoding Ltd nor Quantum Encoding Europe Limited handles your card or payment data, holds the fiat funds at any point, or acts as merchant for the transaction.
• The resulting cryptocurrency is credited to the wallet address you specified in the app.
• Refunds, chargebacks, and payment-related disputes are matters between you and Alchemy Pay AG, handled under their procedures.

The on-ramp service is offered where Alchemy Pay AG supports the user's jurisdiction and payment method, and may be unavailable in some regions. Availability does not constitute a representation that any specific transaction will be completed.

5. Other third-party services

Quantum Crypto App also integrates with other third-party services:

• Breez SDK — Lightning Network payments
• Li.Fi — cross-chain swap routing
• AI providers — market analysis features

Use of these services is subject to their respective terms and conditions.

6. Limitation of liability

To the maximum extent permitted by law, Quantum Encoding Ltd and Quantum Encoding Europe Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the application — including loss of funds, loss of data, missed market opportunity, or loss of profits. Total aggregate liability of each entity for direct damages is capped at the amount you paid that entity in the 12 months preceding the claim; if you have not paid, that amount is zero.

Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any other liability that cannot be excluded under UK or Irish law.

7. Modifications

We may modify these Terms at any time. Material changes will be surfaced in-app and on this page; the "Last updated" date at the top reflects the most recent change. Continued use of Quantum Crypto App after a material change constitutes acceptance of the modified Terms.

8. Governing law

These Terms (the contract between you and Quantum Encoding Ltd for the wallet app and website) are governed by the laws of England and Wales, and any dispute is subject to the exclusive jurisdiction of the English courts.

The fiat on-ramp relationship (between you, Quantum Encoding Europe Limited, and Alchemy Pay) is subject to Alchemy Pay's own terms and the applicable law specified there, which may differ from this clause for payment-specific disputes.

9. Contact

For questions about these Terms, contact support@quantumcryptoapp.com.