Termos e condições

Terms & Conditions
Last Updated: [Aug 5, 2026]
These Terms & Conditions (“Terms”) govern your access to and use of the Xerovan website, mobile application, wallet, card-related services, and any other products or services made available under the Xerovan brand (collectively, the “Services”).
Xerovan is operated by [MARU EVEN TOURISM LLC], a company incorporated under the laws of [UAE], with its registered office at [Prime Business Centre Tower B Unit 12B05, JVC, Dubai, UAE] (“Xerovan,” “we,” “us,” or “our”).
By accessing or using the Services, you acknowledge that you have read, understood, and agreed to be bound by these Terms.
If you do not agree to these Terms, you must not use the Services.

1. Eligibility
You may use the Services only if:
• you are at least 18 years old or have reached the age of legal majority in your jurisdiction;
• you have the legal capacity to enter into a binding agreement;
• your use of the Services is permitted under applicable laws and regulations;
• you are not subject to economic sanctions, trade restrictions, or other legal restrictions that prohibit your use of the Services; and
• you provide accurate and complete information when requested.
Certain Services may be unavailable in particular countries, regions, or jurisdictions.
We reserve the right to restrict or discontinue access to any Service based on legal, regulatory, compliance, operational, or commercial considerations.

2. Xerovan Services
Xerovan may provide access to services including, but not limited to:
• non-custodial digital asset wallets;
• sending and receiving supported digital assets;
• blockchain network interactions;
• digital asset swaps;
• payment card-related services;
• virtual and physical card functionality;
• payment services;
• travel-related services;
• eSIM services;
• rewards or loyalty programs;
• third-party financial or technology services; and
• other features introduced from time to time.
The availability of any feature may depend on your country, eligibility, verification status, device, blockchain network, third-party provider, or applicable regulation.
Xerovan may add, modify, suspend, or discontinue features at any time.

3. Non-Custodial Wallet
Where Xerovan provides a non-custodial wallet, you remain responsible for and retain control over your wallet and digital assets.
Unless expressly stated otherwise, Xerovan does not:
• take custody of your digital assets;
• hold your private keys on your behalf;
• have independent authority to transfer assets from your wallet; or
• guarantee recovery of your wallet if you lose access to your credentials or recovery methods.
You are solely responsible for maintaining the security of your wallet, device, credentials, authentication methods, recovery information, and any other information used to access your wallet.
You should never share sensitive wallet credentials, private keys, passwords, or recovery information with any person.
Xerovan personnel will never ask you to disclose your private key or recovery phrase.

4. Blockchain Transactions
Digital asset transactions conducted through blockchain networks may be irreversible.
Once a transaction has been submitted to and confirmed by a blockchain network, Xerovan may not be able to cancel, reverse, amend, or recover that transaction.
You are responsible for verifying all transaction details before confirming a transaction, including:
• recipient wallet address;
• digital asset;
• blockchain network;
• transaction amount;
• network fee; and
• any other applicable transaction information.
Sending digital assets to an incorrect address, incompatible wallet, or unsupported blockchain network may result in the permanent loss of your assets.
Xerovan is not responsible for losses resulting from user error in entering or confirming blockchain transaction information.

5. Supported Digital Assets and Networks
Xerovan may support selected digital assets and blockchain networks.
Support for a particular asset or network may be added, modified, suspended, or removed at any time.
The fact that an asset is supported by Xerovan does not constitute:
• an endorsement of that asset;
• investment advice;
• a representation regarding its legality;
• a guarantee of its value, liquidity, security, or performance; or
• a recommendation to buy, sell, hold, or use that asset.
You are responsible for understanding the risks associated with any digital asset or blockchain network you use.

6. Digital Asset Swaps
Xerovan may enable users to access digital asset swap functionality.
Swap services may be provided directly or through third-party liquidity providers, decentralized protocols, exchanges, aggregators, or other service providers.
Exchange rates, liquidity, network fees, slippage, service fees, and execution prices may change between the time a transaction is initiated and the time it is executed.
Xerovan does not guarantee:
• any particular exchange rate;
• continuous liquidity;
• transaction execution;
• transaction speed; or
• availability of any particular swap pair.
You are responsible for reviewing all transaction details before confirming a swap.

7. Payment Card Services
Xerovan may provide eligible users with access to virtual or physical payment cards.
Card services may be issued, processed, or operated by third-party financial institutions, card issuers, payment processors, or card networks.
The applicable card issuer may require you to agree to additional terms and conditions.
Card availability may depend on:
• your country of residence;
• identity verification;
• regulatory requirements;
• eligibility criteria;
• issuer approval; and
• applicable card program rules.
Card transactions may be subject to spending limits, transaction limits, foreign exchange rates, merchant restrictions, fees, and other conditions.
Certain merchants, merchant categories, countries, or transaction types may be restricted.
Xerovan does not guarantee that a card will be accepted by every merchant.

8. Card Authorization and Transactions
You are responsible for all authorized transactions made using your Xerovan card.
You must immediately report:
• a lost or stolen card;
• unauthorized card activity;
• suspected card fraud; or
• compromised card credentials.
Card transactions may be declined for reasons including:
• insufficient balance;
• transaction limits;
• fraud prevention controls;
• merchant restrictions;
• regulatory requirements;
• issuer policies;
• network failures; or
• technical issues.
Xerovan is not responsible for merchant decisions regarding acceptance of a card.

9. Identity Verification and Compliance
Certain Services may require identity verification, including Know Your Customer (“KYC”), Anti-Money Laundering (“AML”), Counter-Terrorist Financing (“CTF”), sanctions screening, or other compliance procedures.
You agree to provide accurate, current, and complete information when requested.
We or our service providers may request additional information regarding:
• your identity;
• source of funds;
• source of wealth;
• transaction activity;
• purpose of transactions;
• residency;
• business activities; or
• other information reasonably required for compliance purposes.
Failure to provide requested information may result in restrictions, suspension, or termination of access to certain Services.

10. Prohibited Activities
You must not use Xerovan for any illegal, fraudulent, abusive, or prohibited activity.
Prohibited activities include, but are not limited to:
• money laundering;
• terrorist financing;
• fraud or attempted fraud;
• theft or handling stolen funds;
• sanctions evasion;
• unlawful gambling;
• trafficking in illegal goods or services;
• unauthorized financial services;
• market manipulation;
• scams;
• ransomware payments;
• unauthorized access to another person's account or wallet;
• violation of intellectual property rights;
• misuse of payment cards;
• circumvention of transaction controls or limits; or
• any activity prohibited under applicable law.
We may suspend, restrict, or terminate access to Services where we reasonably believe prohibited activity has occurred.

11. Fees
Certain Xerovan Services may involve fees.
Fees may include:
• blockchain network fees;
• swap fees;
• service fees;
• card issuance fees;
• card transaction fees;
• foreign exchange fees;
• ATM fees;
• third-party provider fees; or
• other charges disclosed before or in connection with the relevant Service.
Where possible, applicable fees will be displayed before you confirm a transaction.
Blockchain network fees may be determined by third-party blockchain networks and may change without notice.

12. Third-Party Services
Certain Xerovan Services may depend on or integrate with third parties, including:
• blockchain networks;
• wallet infrastructure providers;
• payment processors;
• card issuers;
• card networks;
• liquidity providers;
• decentralized protocols;
• identity verification providers;
• travel providers;
• telecommunications providers;
• banks;
• exchanges; and
• other technology or financial service providers.
Third-party services may be subject to separate terms, privacy policies, eligibility criteria, fees, and restrictions.
Xerovan is not responsible for acts, omissions, failures, interruptions, insolvency, security incidents, or operational decisions of independent third parties except where required by applicable law.

13. Digital Asset Risks
Digital assets involve significant risks.
These risks may include:
• extreme price volatility;
• loss of value;
• blockchain network failure;
• smart contract vulnerabilities;
• protocol exploits;
• cybersecurity attacks;
• regulatory changes;
• network congestion;
• transaction delays;
• loss of private credentials;
• stablecoin de-pegging;
• liquidity shortages; and
• permanent loss of assets.
You acknowledge that digital asset transactions may result in partial or total financial loss.
You should not use digital assets unless you understand and accept these risks.

14. No Investment, Financial, Legal, or Tax Advice
Xerovan does not provide investment, financial, legal, accounting, or tax advice unless explicitly stated otherwise and legally authorized.
Information provided through the Services is for general informational purposes only.
Nothing made available through Xerovan should be interpreted as:
• investment advice;
• an offer to sell securities;
• a solicitation to purchase securities;
• a financial recommendation; or
• a guarantee of financial return.
You are responsible for obtaining independent professional advice where appropriate.

15. Account Security
You are responsible for protecting your Xerovan account and any device used to access the Services.
You must take reasonable steps to prevent unauthorized access, including using secure passwords and available security features.
You must notify Xerovan promptly if you believe:
• your account has been compromised;
• your device has been stolen;
• unauthorized transactions have occurred; or
• your security credentials have been exposed.
We may temporarily restrict access to your account or Services where necessary to protect you, Xerovan, or other users.

16. Availability of Services
Xerovan does not guarantee that the Services will always be available, uninterrupted, secure, or error-free.
Services may be temporarily unavailable due to:
• maintenance;
• blockchain network conditions;
• third-party outages;
• payment network outages;
• technical failures;
• cybersecurity incidents;
• regulatory requirements;
• force majeure events; or
• circumstances beyond our reasonable control.
We may suspend or restrict certain Services where reasonably necessary.

17. Refunds and Reversals
Blockchain transactions are generally irreversible and are not eligible for refunds once confirmed on the applicable blockchain.
Card transaction refunds may be processed according to the policies of the relevant merchant, card issuer, processor, or card network.
Other Xerovan services may have separate refund conditions.
Any applicable refund policy will be communicated in connection with the relevant Service.

18. Taxes
You are responsible for determining whether taxes apply to transactions conducted using Xerovan.
You are responsible for reporting and paying any taxes, duties, levies, or other governmental charges applicable to your activities.
Xerovan does not provide tax advice.

19. Intellectual Property
All rights, title, and interest in and to the Xerovan platform, including software, trademarks, logos, design elements, text, graphics, interfaces, and other content, are owned by Xerovan or its licensors.
You may not copy, reproduce, modify, distribute, reverse engineer, commercially exploit, or create derivative works from Xerovan intellectual property except as permitted by applicable law or with our prior written consent.

20. Suspension and Termination
We may suspend, restrict, or terminate your access to some or all Services where:
• required by law or regulation;
• requested by a competent authority;
• necessary for compliance or security purposes;
• we reasonably suspect fraud or illegal activity;
• you breach these Terms;
• you create material risk to Xerovan, its users, or third parties; or
• a third-party service provider requires such action.
Where legally and operationally possible, we may provide notice of such action.
Termination of access to Xerovan does not necessarily affect assets held in a non-custodial wallet where you retain independent control of the relevant wallet credentials.

21. Limitation of Liability
To the maximum extent permitted by applicable law, Xerovan shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profit, revenue, opportunity, data, goodwill, or digital assets.
Xerovan shall not be responsible for losses resulting from:
• blockchain network failures;
• user transaction errors;
• incorrect wallet addresses;
• unsupported networks;
• loss of wallet credentials;
• third-party service failures;
• smart contract vulnerabilities;
• market volatility;
• regulatory actions;
• cybersecurity incidents outside our reasonable control; or
• events beyond our reasonable control.
Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

22. Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold harmless Xerovan, its affiliates, directors, officers, employees, contractors, and service providers from claims, damages, losses, liabilities, and expenses arising from:
• your violation of these Terms;
• your unlawful use of the Services;
• your violation of applicable law; or
• your infringement of third-party rights.

23. Changes to These Terms
We may update these Terms from time to time.
The updated Terms will be published on our website or made available through the Xerovan application.
Where required by law, we will provide advance notice of material changes.
Continued use of the Services after the effective date of updated Terms constitutes acceptance of those Terms.

24. Privacy
Our collection, processing, use, and protection of personal information are governed by our Privacy Policy.
By using Xerovan, you acknowledge that your personal information may be processed as described in the applicable Privacy Policy.

25. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of [Jurisdiction], without regard to conflict-of-law principles.
Any dispute arising out of or relating to these Terms or the Services shall be subject to the exclusive jurisdiction of the courts of [Jurisdiction], unless otherwise required by applicable law.

26. Severability
If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect.

27. Entire Agreement
These Terms, together with any applicable product-specific terms, Privacy Policy, Cardholder Agreement, and other policies referenced herein, constitute the entire agreement between you and Xerovan concerning your use of the Services.

28. Contact Us
If you have questions regarding these Terms or the Xerovan Services, please contact us:
Xerovan
Operated by: [Legal Entity Name]
Email: [Support Email]
Website: https://xerovan.com
Registered Address: [Registered Address]