Terms of Service

Draft — under legal review

Last updated: 24 August 2026 · Effective date: 1 August 2026

Table of Contents

1. Introduction and Acceptance of Terms

HHO Cash LLC, a Texas limited liability company (“HHO Cash,” “Company,” “we,” “us,” or “our”), provides non-custodial digital wallet software and related services described below (collectively, the “Services”) through our website at hho.cash, our mobile applications, and any related interfaces (collectively, the “Platform”).

These Terms of Service, together with our Privacy Policy and any supplemental terms, policies, or notices posted on the Platform (collectively, these “Terms”), form a legally binding agreement between HHO Cash and you, or the entity you represent (“you,” “your,” or “User”).

BY DOWNLOADING, INSTALLING, ACCESSING, OR USING ANY PART OF THE SERVICES, YOU (A) ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THESE TERMS, (B) AGREE TO BE BOUND BY THESE TERMS, AND (C) REPRESENT THAT YOU HAVE THE LEGAL CAPACITY TO ENTER INTO THIS AGREEMENT. IF YOU DO NOT AGREE, DO NOT ACCESS OR USE THE SERVICES.

HHO CASH DOES NOT PROVIDE FINANCIAL, INVESTMENT, LEGAL, OR TAX ADVICE. WE PROVIDE NON-CUSTODIAL SOFTWARE TOOLS ONLY. ALL DECISIONS TO ACQUIRE, HOLD, TRANSFER, OR TRANSACT IN DIGITAL ASSETS ARE MADE SOLELY BY YOU.

2. Privacy

Our collection and use of personal information in connection with the Services is described in our Privacy Policy, available at hho.cash/privacy, which is incorporated into these Terms by reference. By using the Services, you consent to the collection, use, and disclosure of your information as described there.

3. Changes to These Terms and the Services

3.1 Changes to Terms

We may amend these Terms at any time in our sole discretion. We will post the revised Terms on the Platform and update the “Last Updated” date above. Except where a longer notice period is required by applicable law, changes take effect immediately upon posting. Your continued use of the Services after a change is posted constitutes your acceptance of the revised Terms. If you do not agree to a change, your sole remedy is to stop using the Services.

3.2 Changes to Services

We may modify, suspend, or discontinue any part of the Services at any time, with or without notice, and without liability to you, except as expressly required by applicable law.

4. Eligibility

By accessing or using the Services, you represent and warrant that:

• you are at least eighteen (18) years old and have the legal capacity to enter into a binding contract;
• if you are accessing the Services on behalf of a legal entity, you are duly authorized to bind that entity to these Terms, and the entity is validly existing under the laws of its jurisdiction of formation;
• you are not located in, organized under the laws of, or a resident of Cuba, Iran, North Korea, Syria, or the Crimea, Donetsk, or Luhansk regions of Ukraine, or any other jurisdiction subject to comprehensive sanctions administered by the U.S. Department of the Treasury's Office of Foreign Assets Control (“OFAC”);
• you are not named on, and are not owned or controlled by any person named on, any list of prohibited or restricted parties maintained by OFAC, the U.S. Department of Commerce's Bureau of Industry and Security, the United Nations Security Council, the European Union, the United Kingdom, or any other applicable sanctions authority;
• your use of the Services complies with all laws applicable to you, including the laws of the jurisdiction in which you reside or from which you access the Services; and
• all funds and Digital Assets you use in connection with the Services were lawfully obtained and belong to you, or you are otherwise authorized to use them.

We reserve the right to refuse, restrict, or terminate access to the Services for any person, at any time, in our sole discretion, including to comply with applicable law.

5. The Services

5.1 Non-Custodial Nature

HHO Cash provides self-custody wallet software that allows you to generate and manage cryptographic key pairs used to interact with public blockchain networks (“Digital Assets”).

Wallets are created in a seedless manner via email (or other supported authentication methods) using third-party infrastructure (currently Privy). Key material is generated and managed inside trusted execution environments (TEEs) using distributed key sharding so that neither HHO Cash nor the infrastructure provider ever holds a complete private key. The full key is reconstituted only transiently inside the TEE, and only upon your authenticated authorization, solely for the purpose of signing.

HHO CASH DOES NOT HOLD, CONTROL, OR HAVE ACCESS TO YOUR COMPLETE PRIVATE KEYS, OR DIGITAL ASSETS AT ANY TIME. YOU ALONE CONTROL YOUR WALLET THROUGH YOUR AUTHENTICATION CREDENTIALS AND ARE SOLELY RESPONSIBLE FOR ALL ACTIVITY CONDUCTED THROUGH IT, WHETHER OR NOT AUTHORIZED BY YOU.

5.2 Functionality

Depending on the version of the Services you use, the Platform may allow you to: (a) generate and manage blockchain wallet addresses and associated private keys; (b) view balances and transaction history for supported Digital Assets; (c) connect to and interact with third-party decentralized applications (“DApps”) and decentralized exchanges (“DEXs”); (d) initiate swaps or trades of Digital Assets facilitated by independent third-party liquidity providers; (e) access third-party on-chain lending and savings protocols (including Morpho, or similar provider, vaults) that allow you to supply Digital Assets in exchange for variable yields determined solely by the underlying protocol (“Savings Services”); (f) access third-party staking services with respect to certain Digital Assets (“Staking Services”); (g) access automated strategies or copy-trading features that replicate positions of selected traders on third-party venues (currently Hyperliquid) (“Strategies”); (h) view Digital Asset pricing information supplied by third parties; and (i) broadcast transaction data to supported blockchain networks. Not all functionality is available in all jurisdictions or at all times.

5.3 No Blockchain Control

Blockchain networks are decentralized, peer-to-peer networks operated by independent third parties and are not owned, controlled, or operated by HHO Cash. We do not process, validate, or have the ability to reverse, cancel, or modify any transaction submitted through the Services. All transactions are broadcast directly to the applicable blockchain network and, once confirmed, are irreversible.

6. Wallet Security; Credentials

6.1 Sole Responsibility

When you create a wallet using the Services, cryptographic key material is generated and managed via third-party infrastructure in a seedless architecture (email-authenticated embedded wallet). You do not receive a traditional 12-word Secret Phrase as the primary recovery method. Access is gated by your authentication credentials (email, linked accounts, or other methods supported by the Platform). You are solely and exclusively responsible for safeguarding your authentication credentials and any recovery mechanisms made available to you. HHO Cash does not store, transmit, or have any means of recovering complete private keys or of resetting access if you lose control of your authentication method. If you permanently lose access to your authentication credentials, you may permanently lose access to the Digital Assets associated with that wallet, and HHO Cash will have no ability to assist you.

6.2 Best Practices

You agree to:

• use strong, unique authentication methods and enable any available multi-factor or recovery options;
• never share your login credentials, recovery codes, or any authorization tokens with anyone, including anyone claiming to represent HHO Cash;
• treat any export or recovery material (if made available) with the same care as a private key; and
• promptly notify us at [email protected] if you become aware of unauthorized access, though we have no ability to freeze, reverse, or recover assets once compromised.

6.3 No Recovery

HHO CASH WILL NEVER ASK YOU FOR YOUR COMPLETE PRIVATE KEY OR ANY SECRET RECOVERY PHRASE. WE CANNOT RESET YOUR AUTHENTICATION CREDENTIALS OR RECOVER YOUR WALLET ON YOUR BEHALF. ANY PERSON WHO OBTAINS CONTROL OF YOUR AUTHENTICATION CREDENTIALS CAN ACCESS AND TRANSFER YOUR DIGITAL ASSETS. YOU BEAR ALL RISK OF LOSS ARISING FROM COMPROMISE OR LOSS OF YOUR CREDENTIALS.

7. Third-Party Services, DApps, and DEXs

7.1 General

The Services may allow you to access DApps, DEXs, staking providers, on-ramp/off-ramp providers, and other services operated by independent third parties (collectively, “Third-Party Services”). Third-Party Services are not owned, operated, or controlled by HHO Cash. Your use of Third-Party Services is at your own risk and is governed by the separate terms, privacy policies, and fee schedules of the applicable third party.

7.2 No Endorsement or Liability

We do not review, verify, endorse, or guarantee the accuracy, security, or legality of any Third-Party Service, DApp, smart contract, or Digital Asset accessed through the Services.

HHO CASH DISCLAIMS ALL LIABILITY ARISING FROM YOUR USE OF, OR INABILITY TO USE, ANY THIRD-PARTY SERVICE, INCLUDING LOSSES CAUSED BY SMART CONTRACT VULNERABILITIES, FRAUDULENT TOKENS, OR THIRD-PARTY INSOLVENCY.

We reserve the right, but have no obligation, to remove access to any Third-Party Service at any time without notice.

7.3 Staking (If Applicable)

If the Services provide access to Staking Services, you acknowledge that:

• staking is performed by independent third-party validators or protocols, not by HHO Cash;
• rewards, if any, are determined solely by the applicable blockchain protocol and are not guaranteed;
• staked assets may be subject to lock-up periods, unbonding periods, or “slashing” penalties imposed by the network; and
• HHO Cash has no custody over staked assets or rewards and bears no liability for their loss.

7.4 Savings / Lending Services (If Applicable)

If the Services provide access to Savings Services (e.g., Morpho vaults or similar third-party lending protocols), you acknowledge that:

• deposits and yields are managed entirely by independent third-party smart contracts and curators, not by HHO Cash;
• yields are variable, not guaranteed, and may be zero or negative after fees or losses;
• assets are subject to smart-contract risk, liquidity risk, oracle risk, and the risk parameters set by the vault curator;
• HHO Cash charges no fee on these products (0% from us) but the underlying protocol or vault may charge its own fees;
• these products are not insured, not bank deposits, and not guaranteed by any government or by HHO Cash; and
• HHO Cash has no custody over deposited assets or yields and bears no liability for their loss, reduction in value, or inability to withdraw.

7.5 Strategies (If Applicable)

If the Services provide access to Strategies or copy-trading features:

• these features interact with independent third-party trading venues and protocols (e.g., Hyperliquid);
• HHO Cash does not control, execute, or guarantee the performance of any strategy or leader;
• all trades are irreversible once executed on the underlying venue;
• you are solely responsible for selecting strategies, setting parameters, monitoring positions, and understanding leverage, liquidation, and funding risks;
• fees may include a share of profits — currently 10% of gains on Strategy amounts up to $150,000, agreed separately above that — plus any one-time or per-transaction fees charged by the venue (currently disclosed as $1 + $1 in certain cases); exact fees are shown in the interface and on the public fee schedule before you enable a strategy; and
• HHO Cash bears no liability for losses arising from strategy performance, leader actions, venue downtime, or smart-contract or exchange failures.

8. Fees

8.1 Network and Third-Party Fees

Use of the Services may require payment of network transaction (“gas”) fees, which are set by the applicable blockchain network and are not controlled by HHO Cash. Third-Party Services may impose their own separate fees. You are solely responsible for ensuring you have sufficient funds, including for applicable fees, before initiating any transaction.

8.2 HHO Cash and Service Fees

HHO Cash and its third-party service providers may charge fees on certain features, including swaps, on-ramp purchases, Strategies (including profit shares), Saving, Staking, and other transactions. Current fees are disclosed in the applicable Service interface at the time of the transaction and in the public fee schedule available at hho.cash/fees (or any successor page).

As of this revision, bank transfers cost 0.75% on deposit and 0.50% on cash-out, the same for every user; swaps cost 0.5%. Savings carries no fee from us. These are the rates applied at the time of the transaction and are shown before you confirm it.

Fees may be changed at any time upon posting the updated schedule to the Platform or updating the applicable interface. Continued use after such posting constitutes acceptance of the updated fees. You are solely responsible for reviewing the fee schedule before initiating any transaction.

9. Taxes

You are solely responsible for determining, reporting, and paying any taxes arising from your use of the Services or your Digital Asset transactions. HHO Cash does not provide tax advice, does not withhold or remit taxes on your behalf, and assumes no responsibility for your tax obligations. You should consult a qualified tax professional regarding your specific circumstances.

10. Intellectual Property

10.1 License to You

Subject to your compliance with these Terms, HHO Cash grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services solely for your personal or internal business use.

10.2 Restrictions

You will not, and will not permit any third party to:

• copy, modify, or create derivative works of the Services;
• reverse engineer, decompile, or disassemble any part of the Services, except to the extent such restriction is prohibited by applicable law;
• sell, lease, sublicense, or otherwise commercially exploit the Services;
• remove or obscure any proprietary notices; or
• use the Services to build a competing product.

10.3 Our Content

All content, trademarks, logos, and other intellectual property made available through the Services (excluding Third-Party Content and any open-source components) are owned by HHO Cash or its licensors. No rights are granted to you except as expressly set forth herein.

10.4 Open-Source Components

Certain components of the Services may be distributed under open-source licenses. Where applicable, the terms of the relevant open-source license will govern your use of those components, and in the event of a conflict, the open-source license will control solely with respect to that component.

10.5 Feedback

If you provide us with suggestions, ideas, or feedback regarding the Services (“Feedback”), you grant HHO Cash a perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, and incorporate the Feedback into the Services without any obligation or compensation to you.

11. Acceptable Use

You agree that you will not use the Services to:

• violate any applicable law, including anti-money laundering, counter-terrorism financing, and sanctions laws;
• engage in fraud, market manipulation, or any deceptive practice;
• infringe the intellectual property or other rights of any third party;
• transmit malware, viruses, or other harmful code;
• attempt to gain unauthorized access to the Services or any related system or network;
• interfere with or disrupt the integrity or performance of the Services; or
• impersonate any person or entity.

We reserve the right to investigate and take appropriate action, including suspending or terminating access, against anyone who violates this Section.

12. AI-Assisted Features (If Applicable)

If the Services include features that use artificial intelligence or automated agents (“AI Agents”) to execute transactions or provide information at your direction, you acknowledge that:

• AI Agents may act autonomously and at high speed, and blockchain transactions they initiate are irreversible;
• you are solely responsible for configuring the scope of any permissions granted to an AI Agent and for monitoring its activity;
• HHO Cash does not guarantee that any AI Agent will act in accordance with your intentions; and
• HHO Cash bears no liability for losses arising from AI Agent errors, misconfiguration, or compromise of the systems on which an AI Agent operates.

13. No Advice; No Fiduciary Duty

Nothing on the Platform or provided through the Services constitutes financial, investment, legal, or tax advice or a recommendation to buy, sell, or hold any Digital Asset. You should consult your own independent advisors before making any decision involving Digital Assets. These Terms do not create, and shall not be construed to create, any fiduciary duty, partnership, joint venture, agency, or employment relationship between you and HHO Cash.

14. Assumption of Risk

You acknowledge and accept that:

• Digital Assets are highly volatile and may lose some or all of their value;
• blockchain transactions are irreversible and cannot be cancelled once broadcast;
• smart contracts may contain bugs, exploits, or vulnerabilities that could result in a total loss of assets;
• smart contracts used by third-party lending vaults (including Morpho vaults or similar Savings Services) may contain bugs, exploits, or vulnerabilities; vault curators control risk parameters and market allocation; liquidity may be limited or unavailable when you attempt to withdraw; and deposited assets are not insured and may suffer partial or total loss;
• automated strategies and copy-trading features (Strategies) involve reliance on third-party venues, selected leaders or strategies, and may employ leverage — specifically, Sprint uses leverage of up to three times, while Walk and Run do not; performance is not guaranteed, past performance does not predict future results, positions may be liquidated, and you may incur losses exceeding your initial allocation, plus any applicable profit-share or venue fees;
• blockchain networks may experience congestion, forks, or other disruptions outside HHO Cash's control;
• regulatory treatment of Digital Assets is uncertain and evolving and may adversely affect your ability to use the Services;
• you may be the target of phishing, social engineering, or other fraud by malicious third parties; and
• the Services rely on third-party authentication providers and trusted execution environment (TEE) infrastructure for key management; failures, compromises, downtime, or changes in those third-party systems may result in temporary or permanent loss of access to your wallet or Digital Assets, and HHO Cash has no ability to recover such access or assets.

You assume full responsibility for evaluating these risks before using the Services.

15. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. HHO CASH DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY DEFECT WILL BE CORRECTED. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL HHO CASH, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, MEMBERS, MANAGERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR DIGITAL ASSETS, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF HHO CASH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HHO CASH'S AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT OF FEES YOU PAID DIRECTLY TO HHO CASH FOR USE OF THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

17. Indemnification

You agree to defend, indemnify, and hold harmless HHO Cash, its affiliates, and their respective officers, members, managers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to: (a) your use or misuse of the Services; (b) your violation of these Terms; (c) your violation of any applicable law or the rights of any third party; or (d) any Third-Party Service you access in connection with the Services.

18. Term and Termination

18.1 Term

These Terms remain in effect for as long as you use the Services. You may stop using the Services at any time. Because the Services are non-custodial, ceasing use does not affect your ability to access your Digital Assets, provided you retain your Credentials independently of the Services.

18.2 Termination by HHO Cash

We may suspend or terminate your access to the Services at any time, with or without cause or notice, including where we believe you have violated these Terms or applicable law. Sections of these Terms that by their nature should survive termination — including Sections 6 (Wallet Security), 9 (Taxes), 10 (Intellectual Property), 13–17 (No Advice through Indemnification), and 19 (Dispute Resolution) — will survive any termination of these Terms.

19. Dispute Resolution; Governing Law; Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

19.1 Governing Law

These Terms and any dispute arising out of or related to these Terms or the Services will be governed by the laws of the State of Texas, without regard to its conflict-of-laws principles, except that the Federal Arbitration Act (9 U.S.C. §§ 1–16) governs the interpretation and enforcement of the arbitration provisions in this Section.

19.2 Agreement to Arbitrate

Except as set forth in Section 19.5, you and HHO Cash agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services (a “Dispute”) will be resolved exclusively through final and binding individual arbitration, rather than in court, before a single arbitrator administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules then in effect. The arbitration will be seated in Travis County, Texas, and conducted in the English language. Judgment on the award may be entered in any court of competent jurisdiction.

19.3 Class Action Waiver

YOU AND HHO CASH AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. If this class action waiver is found unenforceable as to a particular claim, that claim (and only that claim) must be brought in court, and all other claims remain subject to arbitration.

19.4 Right to Opt Out

You may opt out of this arbitration agreement by sending written notice to [email protected] within thirty (30) days of first accepting these Terms, stating your name and a clear statement that you wish to opt out of arbitration. If you timely opt out, neither you nor HHO Cash will be required to arbitrate Disputes with the other, and Section 19.5 will govern.

19.5 Court Proceedings

If arbitration does not apply — including where you have validly opted out under Section 19.4, or a Dispute is properly excluded from arbitration — you and HHO Cash agree that any Dispute will be brought exclusively in the state or federal courts located in Travis County, Texas, and you consent to the personal jurisdiction of those courts.

YOU AND HHO CASH EACH WAIVE ANY RIGHT TO A JURY TRIAL WITH RESPECT TO ANY DISPUTE, TO THE EXTENT PERMITTED BY LAW.

19.6 Exceptions

Notwithstanding the foregoing, either party may bring an individual action in small claims court, and either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of a party's intellectual property rights.

20. Force Majeure

HHO Cash will not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, internet or telecommunications failures, government action, changes in law or sanctions, or blockchain network failures, congestion, forks, or protocol changes.

21. Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent, and any attempted assignment in violation of this provision is void. HHO Cash may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, reorganization, or sale of assets.

22. General Provisions

22.1 Entire Agreement

These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and HHO Cash regarding the Services and supersede all prior agreements and understandings, whether written or oral, regarding the subject matter hereof.

22.2 Severability

If any provision of these Terms is held invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

22.3 No Waiver

Our failure to enforce any provision of these Terms will not constitute a waiver of that provision. Any waiver must be in writing and signed by an authorized representative of HHO Cash.

22.4 No Third-Party Beneficiaries

Except as expressly stated, these Terms do not confer any rights or remedies on any third party.

22.5 Notices

We may provide notices to you by posting on the Platform, through the Services' interface, or via email to any address you have provided. You agree that electronic notice satisfies any requirement that notice be in writing.

22.6 Independent Contractors

You and HHO Cash are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship.

22.7 Export Compliance

You agree to comply with all applicable U.S. and non-U.S. export control and trade sanctions laws in connection with your use of the Services, and you represent that you are not located in, or a national or resident of, any country subject to a comprehensive U.S. trade embargo.

23. Definitions

24. Contact

Questions about these Terms may be directed to:

hho cash LLC

605 W 9th Street, Suite #1097, Austin, TX 78701, United States

EIN 42-4361098

[email protected]

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