Terms of Service

The short version

Smirk is non-custodial wallet software published by Such Software LLC. You hold your own keys; we never take custody of your coins and cannot recover them for you. Some features route you to independent third parties (like Trocador for swaps) that have their own terms, and Smirk can send end-to-end encrypted messages over the Nostr network. Crypto is risky and largely irreversible. The software is provided "as is." These are the details.

1. Who we are and acceptance of these Terms

These Terms of Service ("Terms") are a binding agreement between you ("you") and Such Software LLC, a single-member limited liability company organized under the laws of the Commonwealth of Pennsylvania, United States ("Such Software," "we," "us," or "our"). They govern your access to and use of the Smirk browser extension, desktop application, the source code, this website (smirk.cash), and any related software and services (together, the "Software").

By downloading, installing, accessing, or using the Software, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Software.

2. Eligibility

You may use the Software only if you are at least 18 years old (or the age of majority in your jurisdiction, whichever is greater) and are able to form a binding contract with us. By using the Software you represent that you meet these requirements, that you have not previously been suspended or removed from using the Software, and that your use complies with all laws that apply to you.

3. The Software is non-custodial

Smirk is a non-custodial multi-cryptocurrency wallet supporting Bitcoin (BTC), Litecoin (LTC), Monero (XMR), Wownero (WOW), and Grin (GRIN). Your seed phrase and private spend keys are generated and stored locally on your device and remain under your sole control. They are never transmitted to our servers. Cryptocurrencies exist on their respective blockchains, not inside the Software; any transfer of value happens on a decentralized network, not with us. We cannot access, freeze, or seize your funds.

We cannot recover your funds, seed phrase, keys, or password under any circumstances. If you lose your seed phrase, or if it is stolen or shared, your funds may be permanently and irretrievably lost, and we will be unable to help. You are solely responsible for securely backing up your seed phrase and for the security of your devices.

Such Software is not a bank, custodian, money services business, money transmitter, broker, dealer, exchange, or investment adviser, and it does not provide investment, financial, legal, accounting, or tax advice. The Software is a tool you operate yourself. All cryptocurrency transactions are processed by their respective decentralized networks; we do not control those networks and cannot guarantee transaction speed, confirmation, or reversal. Once a transaction is broadcast, it cannot be cancelled or modified.

4. Your responsibilities

• Keys and backups. Record your seed phrase and keep it private and secure. Never share your seed phrase or private keys with anyone, including us — we will never ask for them.
• Accuracy. Blockchain transactions are generally irreversible. You are responsible for verifying recipient addresses, networks, and amounts before you send. Funds sent to the wrong address or network cannot be recovered.
• Security. Maintain the security of your wallet password and devices, and promptly notify us if you discover or suspect a security issue affecting the Software.
• Compliance and taxes. You are responsible for complying with the laws that apply to you and for determining, reporting, and paying any taxes that arise from your activity. Such Software is not responsible for determining, collecting, reporting, or remitting any taxes arising from your use of the Software.

5. Restricted persons and locations (sanctions)

You represent and warrant that you are not, and are not acting on behalf of, a person who is: (a) located in, ordinarily resident in, or organized under the laws of any jurisdiction subject to comprehensive United States sanctions (currently including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine); or (b) listed on any sanctions or restricted-party list maintained by the U.S. government (including the U.S. Treasury Department's Office of Foreign Assets Control (OFAC) Specially Designated Nationals and Blocked Persons List and the U.S. Commerce Department's Entity List), the United Nations, the European Union or its member states, or the United Kingdom. You agree not to use the Software if applicable law prohibits you from doing so.

6. Acceptable use

You agree not to use the Software:

• for money laundering, terrorist financing, fraud, or any other illegal activity, or to evade sanctions;
• on behalf of any person barred under Section 5;
• to interfere with, disrupt, overburden, attack, or circumvent the security of the Software or any network it connects to;
• to access the Software by automated means (bots, scrapers) without our permission, or to introduce viruses, malware, or other harmful code;
• to infringe others' rights, impersonate others, provide false information, or harass, abuse, or harm others;
• to create, store, send, request, or distribute content that is unlawful — including child sexual abuse material (CSAM) or any content that sexually exploits or endangers a minor, and content that infringes intellectual property.

We may suspend, restrict, or terminate your access to the Software (or to particular features) if we reasonably believe you have violated these Terms or applicable law. Because the Software is non-custodial, ending your license does not affect your ability to access your funds with your seed phrase in other compatible wallet software.

Usernames and identity. A Smirk username (which backs your name@smirk.cash handle) is assigned on a first-come basis and gives you no ownership of the name. You may not choose a username that impersonates another person or project or that infringes a trademark, and we may refuse, reclaim, or reassign usernames — including reserved names — to prevent impersonation or abuse. Your Nostr keys are derived from your seed and remain yours regardless.

Reporting unlawful content. We report child sexual abuse material to the National Center for Missing & Exploited Children (NCMEC) and cooperate with law enforcement and valid legal process as required by law. To report unlawful content or abuse, or to send a copyright or other legal notice, contact legal@such.software.

Copyright (DMCA). Such Software LLC complies with the Digital Millennium Copyright Act. If you believe content made available through a service we operate infringes your copyright, send a notice containing the elements required by 17 U.S.C. § 512(c)(3) to our registered Designated Agent:

Such Software LLC — DMCA Designated Agent
[mailing address, as registered with the U.S. Copyright Office]
legal@such.software

We remove or disable access to material in response to valid notices and, in appropriate circumstances, terminate repeat infringers. If you believe your content was removed in error, you may submit a counter-notification under § 512(g) to the same contact.

7. Third-party services

The Software lets you connect to independent third parties. Those services are operated by others, not by us. When you use one, you may be subject to and required to accept that provider's own terms and privacy policy, and you may be entering into a separate contract directly with that provider. We are not a party to those transactions, do not control those providers, and are not responsible for their acts, omissions, pricing, availability, verification decisions, or performance. See our Privacy Policy for what data flows where.

7.1 Swaps (Trocador)

In-wallet swaps between coins are executed by Trocador, a third-party non-custodial exchange aggregator, and the underlying exchange providers it routes to — not by Such Software. When you start a swap, order details (input and output coin, amount, and your receiving and refund addresses) are sent to Trocador's API. Such Software does not exchange your assets, does not take custody of funds during a swap, and is not the counterparty to your trade. Your use of Trocador is governed by Trocador's terms and privacy policy.

Swap fee. Such Software receives a referral commission (currently around 1% of the swap amount) from Trocador for swaps initiated in the Software. This commission is already reflected in the exchange rate shown to you before you confirm a swap; there is no separate charge. Because the fee is a referral commission paid by Trocador and we are never in custody of or in the settlement path for the swapped funds, we act as a referrer, not as a money transmitter or exchanger.

7.2 Additional providers

We may add other independent swap, exchange, or fiat on-ramp/off-ramp providers (and, in the future, peer-to-peer swap functionality) within the Software. Each such provider is operated by others, not by us, and your use of it is governed by that provider's own terms and privacy policy. Some providers — particularly fiat on-ramps — may require identity verification (KYC) and may decline service under their own policies and applicable law; any such verification is between you and that provider, and Such Software does not perform it or receive that verification data. We are not the counterparty to, and take no custody in, those transactions.

8. Connecting to sites (window.smirk)

The Software exposes a window.smirk interface so that web pages — such as smirk.cash, claim pages, and merchant sites — can request a connection to your wallet or ask you to approve a signature. Connections are per-origin and require an explicit approval prompt the first time a site asks; you can revoke any origin, or disable the interface entirely, from Settings. Third-party sites are operated by others, are not part of the Software, and are not endorsed by us. You interact with them at your own risk and are responsible for what you connect to and what you approve.

9. Nodes, servers, and other endpoints

To read balances and broadcast transactions, the Software connects to blockchain nodes, indexers, and — for Monero and Wownero — a light-wallet server operated by Such Software. You may use the default endpoints shipped with the Software or, where supported, configure your own. Node and endpoint operators see the information your interaction with them entails. Network (miner/validator) fees are charged by the relevant blockchain, not by us, and are displayed before you confirm a transaction. Fees, spreads, and limits for third-party services (such as Trocador) are set by those providers. What data goes where is described in our Privacy Policy.

9.1 Messaging and the Nostr relay

Smirk supports optional end-to-end encrypted direct messages over the Nostr protocol. Messages are encrypted on your device; relays carry only ciphertext. Such Software may operate a Nostr relay that the Software can use, alongside independent public relays. A relay we operate transmits and briefly stores encrypted messages so your devices can retrieve them; we do not read, and cannot read, their contents.

Because a relay is a shared service, we may rate-limit, refuse, or remove events and restrict who may publish, to protect the service and other users from spam, abuse, or unlawful use, and to comply with the law. We do not guarantee message delivery, ordering, or retention, and we are not the author of, and are not responsible for, messages that users send. You are solely responsible for the messages you send, and you must not use messaging for unlawful, abusive, or infringing content or for spam. Because gift-wrapped messages are encrypted end to end, we cannot read or proactively screen their contents; we act on reports and valid legal process, and report unlawful material as described in Section 6. You may use other Nostr relays instead of ours.

10. Assumption of risk

You understand and accept the risks of cryptocurrencies and blockchain technology, including:

• extreme price volatility and potential loss of value;
• the irreversibility of on-chain transactions and losses from sending to a wrong address or network;
• bugs or vulnerabilities in protocols, smart contracts, or cryptographic libraries; forks and network changes;
• regulatory changes that may affect cryptocurrency use;
• hardware, software, Internet-connection, or third-party service failures, and phishing or malware attacks.

You agree that Such Software is not responsible for losses arising from these risks, including losses from forgotten recovery phrases, incorrect addresses, endpoint or server failures, phishing, or unauthorized third-party activity.

11. Intellectual property and open source

Smirk's own application code is open source, licensed under the MIT License (Copyright 2026 Such Software LLC). The Software also incorporates third-party open-source components under their own licenses, including the Monero and Wownero wallet cores and the Grin/Mimblewimble libraries. The applicable license texts are available in the Software's source repository. To the extent any names, branding, or logos — including "Smirk" and "Such Software LLC" — are not covered by those open-source licenses, they remain the exclusive property of Such Software LLC, and nothing here grants you a license to use them.

12. Discontinuance of Services

We may, in our sole discretion and without liability to you, modify or discontinue any portion of the Software at any time. You are solely responsible for maintaining a backup of your recovery phrase outside of the Software. If you have your recovery phrase, you can always access your funds using any compatible wallet software, even if Smirk discontinues its Services.

13. Disclaimer of warranties

THE SOFTWARE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, SUCH SOFTWARE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SOFTWARE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR THAT ANY DATA (INCLUDING RATES OR BALANCES) IS ACCURATE.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SUCH SOFTWARE AND ITS MEMBERS, MANAGERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR CRYPTOCURRENCY, ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SOFTWARE, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SOFTWARE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).

Some jurisdictions do not allow certain exclusions or limitations, so some of the above may not apply to you; in that case our liability is limited to the greatest extent permitted by law.

15. Indemnification

You agree to indemnify and hold harmless Such Software and its members, managers, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable legal fees) arising from your use of the Software, your violation of these Terms or applicable law (including sanctions, AML, or tax obligations), or your infringement of any third party's rights.

16. Apple App Store and Google Play

If you obtained the Software from the Apple App Store, the following additional terms apply. These Terms are between you and Such Software only, not with Apple, and Apple is not responsible for the Software or its content. Apple has no obligation to provide maintenance or support for the Software. In the event of any failure of the Software to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any); to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the Software. Such Software, not Apple, is responsible for addressing any claims relating to the Software, including product-liability, legal-compliance, and intellectual-property claims. You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country and that you are not on any U.S. Government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. If you obtained the Software from Google Play, your use is also subject to the Google Play Terms of Service.

17. Governing law and disputes

These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-laws rules.

Courts. Except as provided below, any dispute arising out of or relating to these Terms or the Software will be brought exclusively in the state or federal courts located in or serving Chester County, Pennsylvania, and you consent to the personal jurisdiction and venue of those courts. Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property or security.

Jury-trial and class-action waiver. To the maximum extent permitted by law, you and Such Software each waive any right to a jury trial and agree that disputes will be brought only on an individual basis, and not as a plaintiff or class member in any class, collective, or representative proceeding.

Optional arbitration. At our option, we may elect to resolve a given dispute through final and binding individual arbitration administered by the American Arbitration Association under its rules, applying Pennsylvania law. This does not change the individual-basis and jury/class-waiver terms above.

30-day opt-out. You may opt out of the class-action waiver and the optional-arbitration provision by emailing support@such.software with the subject line "Legal Opt-Out" within 30 days of first accepting these Terms. Opting out will not affect any other part of these Terms.

Time limit. Any claim relating to the Software must be brought within one (1) year after it arises, or it is permanently barred, except where a longer period is required by law.

Nothing in these Terms limits any mandatory consumer-protection rights you have under the law of your country of residence that cannot be waived by agreement.

18. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the effective date above and post the updated Terms here; material changes may also be noted in the app's release notes or via @such_software. Your continued use of the Software after an update means you accept the revised Terms.

19. General

If any provision of these Terms is held unenforceable, the rest remain in effect and the unenforceable provision will be limited or removed to the minimum extent necessary. These Terms (with the Privacy Policy) are the entire agreement between you and Such Software regarding the Software and supersede any prior agreements. You may not assign these Terms without our consent; we may assign them to an affiliate or successor. Our failure to enforce a provision is not a waiver. We are not liable for delays or failures caused by events beyond our reasonable control. We may provide notices to you through the Software or this website.