Terms & Agreement

Effective date: October 4, 2026

1. SMS Verification and Notifications Consent

Where you provide a mobile number and expressly opt in, you consent to receive SMS messages from D'Fi for account verification, login security, password/PIN recovery, transaction alerts, and service notifications. Message and data rates may apply based on your mobile carrier plan.

Creating an early-access website account or choosing social sign-in alone does not give SMS consent.

2. Non-Custodial Wallet Disclosure

D'Fi provides non-custodial BTC and ETH wallets assigned at signup. D'Fi does not store, manage, or control your private keys, seed phrases, wallet recovery secrets, or any funds held in those wallets. You are solely responsible for storing this information securely and keeping it accessible.

3. User Responsibility for Wallet Access

If you lose your phone, uninstall the app, switch devices, or otherwise lose access to your current device, you must use your recovery details to restore access to your wallets and funds. You are responsible for keeping track of your recovery phrases, backup files, and any other access credentials.

4. Limitation of Responsibility

D'Fi does not have access to your decentralized wallets and cannot recover, reset, or restore access to them if private keys, seed phrases, backup files, or recovery credentials are lost, deleted, forgotten, or compromised. If access is lost, D'Fi cannot help you regain access to the funds in those wallets.

5. Optional Social Sign-In

You may choose to register or sign in using Google or Facebook where available. By selecting a provider and approving its authorization screen, you allow D'Fi to receive the provider account identifier, name, and email address made available for authentication and account setup. D'Fi does not receive your Google or Facebook password.

Social sign-in is optional and is subject to the provider's own terms, privacy policy, and availability. Our sign-in flow does not authorize D'Fi to post to your social account, read private messages, or access your contacts. It does not automatically import your social-network profile picture.

New users must choose a username and accept these terms and our Privacy Policy. An existing account is not automatically linked merely because its email matches a social account. Keep your provider account secure; losing access to it may prevent sign-in. Contact support@dfi.cash for account-access assistance.

Website early-access registration creates a basic website account only. It does not complete app onboarding or identity verification, open a financial account, or create a crypto wallet.

6. Profile Pictures and Public Visibility

Uploading a profile picture is optional. By uploading one, you authorize D'Fi to display it with your username or cash handle in public or other user-facing areas across the app, such as profiles, user or recipient listings, payment requests, and transaction interactions where your profile appears. Treat your profile picture as publicly viewable by other app users, not as private account information.

You retain ownership of your picture and grant D'Fi a non-exclusive, royalty-free license to store, host, resize, and display it as needed to operate the service. This permission does not authorize unrelated advertising use of your picture. Public profile display does not authorize public disclosure of your password, identity-verification documents, account balances, or private financial records.

Upload only images you own or have permission to use, including appropriate permission from people depicted. Do not upload confidential documents, sensitive personal information, unlawful content, or images that infringe another person's rights or impersonate them. D'Fi may remove images that violate these terms or applicable law.

You may replace your picture through the app or contact support@dfi.cash to request removal. Changes cannot remove copies or screenshots already saved by others. Backup copies and records may be retained where required for legal, security, or operational purposes, as described in the Privacy Policy.

7. Data Deletion and United States Retention

You may request account closure or deletion of your personal data by emailing support@dfi.cash with the subject "Data Deletion Request." Identify the account using your registered email address or username and describe the information you want deleted. We may verify your identity before acting on a request. Do not send passwords, wallet recovery phrases, private keys, or full identity documents in an ordinary email.

D'Fi stores and retains account records in the United States for tax reporting, financial recordkeeping, legal compliance, and related regulatory obligations. Account closure or a deletion request does not require us to erase records we must retain under applicable law, a legal hold, or other legally permitted retention grounds. These may include transaction and tax records, identity-verification records, and records needed to prevent fraud or resolve disputes.

Information not subject to a valid retention requirement may be deleted or de-identified in response to a verified request, subject to applicable law. We will explain any applicable retention exceptions and respond within the time required by applicable law. Retained information remains subject to our privacy protections and is kept only for the applicable retention purpose and period.

Disconnecting Google or Facebook does not itself delete your D'Fi account or records. Deleting D'Fi account data does not delete your social-provider account, public blockchain records, or copies independently saved by other users. See the data deletion information in our Privacy Policy for additional details.

8. Acceptance

Continuing registration confirms that you understand and agree to these terms.