Terms of Service

Last updated: March 2026

1. Eligibility

To use the Services, you must:

• Be at least 18 years of age.
• Have the legal capacity to enter into a binding contract in your jurisdiction.
• Not be located in, or a citizen or resident of, any jurisdiction in which use of the Services or purchase of cryptocurrency is prohibited by applicable law.
• Not be listed on any applicable sanctions list, including those maintained by OFAC, the UN Security Council, or the EU.
• Comply with all applicable laws and regulations in connection with your use of the Services.

By using the Services, you represent and warrant that you meet all of the above requirements.

2. Urbit IDs and Pseudonymous Identity

Your identity on the Services is your Urbit ID, a pseudonymous on-chain identifier. You are solely responsible for all activity that occurs under your Urbit ID.

Pseudonymity means that other Lodge members will not know your real-world identity through the platform. It does not constitute full anonymity. Urban Tiger, Inc. may, in limited circumstances and to the extent information is in our possession, be required to cooperate with lawful legal requests that could result in a Urbit ID being associated with a real-world identity.

Your wallet address and any on-chain transactions associated with it are public. Urban Tiger, Inc. has no control over the ability of third parties to correlate on-chain activity.

3. Lodges

3.1 Creating a Lodge

To create a Lodge, the host must pay the required amount of digital assets as shown at the time of creation.

3.2 Lodge Membership

Lodge membership is recorded on-chain. Lodge hosts control membership and may admit or remove members at their discretion, subject to these Terms.

3.3 Host Responsibilities

Lodge hosts are responsible for the conduct of their Lodge and for ensuring that activity within their Lodge complies with these Terms. Urban Tiger, Inc. reserves the right, but is not obligated, to investigate and take action in respect of content or activity that violates these Terms.

4. Payments and Transactions

Urbit.house includes a non-custodial digital asset wallet. Urban Tiger, Inc. never has custody of users' digital assets.

4.1 Third-Party Payment Providers

All fiat-to-crypto payments are processed by third-party payment providers (currently MoonPay; see moonpay.com/legal) under their own Terms of Use. By transacting through these third-parties you agree to their terms and consent to their KYC/AML verification process (if applicable). Urban Tiger, Inc. is not a party to your agreement with any third-party payment provider and is not responsible for their services, fees, errors, or failures.

4.2 Transaction Finality

All blockchain transactions are irreversible once broadcast. Urban Tiger, Inc. has no ability to reverse, cancel, or modify any on-chain transaction. You are solely responsible for verifying the accuracy of all wallet addresses and payment instructions before authorising any transaction.

4.3 Peer-to-Peer Payments

Payments between Urbit IDs on the platform are peer-to-peer. Urban Tiger, Inc. does not hold, custody, intermediate, or guarantee any peer-to-peer payments. We are not responsible for losses arising from peer-to-peer payment errors.

4.4 Taxes

You are solely responsible for determining and paying all taxes, levies, and assessments applicable to your use of the Services and any transactions you undertake. Urban Tiger, Inc. does not provide tax advice.

4.5 Fees

Lodge creation fees are set by Urban Tiger, Inc. and displayed at the time of creation. We reserve the right to change fees at any time. Third-party payment providers may charge separate fees for payment processing.

4.6 Non-Custodial Platform

Urban Tiger, Inc. does not hold, control, or take possession of any digital assets at any point. All transactions are executed directly on the Ethereum blockchain via smart contracts. Urban Tiger, Inc. is not a counterparty to any transaction. Urban Tiger, Inc. does not generate, hold, or have access to your private keys or seed phrases. You retain sole and exclusive control of your wallet and digital assets at all times. Urban Tiger, Inc. has no ability to freeze, transfer, or reverse transactions involving your assets.

4.7 No FinCEN MSB Registration

Based on its current operations, Urban Tiger, Inc. does not accept or transmit funds on behalf of users and believes it does not qualify as a money transmitter under 31 C.F.R. § 1010.100(ff)(5). It provides software and smart contract infrastructure only. This does not exempt Urban Tiger, Inc. from sanctions compliance obligations, including those administered by OFAC, or from responding to lawful legal process.

5. User Content

You are solely responsible for all content you create, post, or transmit through the Services, including within Lodges. By posting content, you represent and warrant that you own or have the necessary rights to that content and that it does not violate any applicable law or any third party's rights.

You retain ownership of your content. By posting it, you grant Urban Tiger, Inc. a limited, non-exclusive, royalty-free licence to store and transmit it to Lodge members as necessary to operate the Services. This licence terminates when your content is removed.

Urban Tiger, Inc. does not actively monitor Lodge content but reserves the right to remove content that violates these Terms.

6. Prohibited Conduct

You must not use the Services to:

• Violate any applicable law or regulation, including AML and sanctions laws.
• Engage in money laundering, terrorist financing, fraud, or other financial crime.
• Harass, threaten, stalk, or harm any other person.
• Post content that is defamatory, obscene, hateful, or that infringes any third party's intellectual property or privacy rights.
• Attempt to identify, deanonymise, or reveal the real-world identity of any Lodge member without their consent.
• Impersonate any person or entity, or falsely represent your affiliation with any person or entity.
• Use automated means to access or interact with the Services without our written consent.
• Interfere with or disrupt the integrity or performance of the Services, the Urbit network, or any related infrastructure.

6.1 Child Safety

Urban Tiger, Inc. maintains a zero-tolerance policy toward any content that sexually exploits, endangers, or facilitates harm to minors, including grooming, solicitation, or any communication that violates applicable child protection laws. Such content is prohibited and will result in immediate termination and referral to law enforcement. Urban Tiger, Inc. complies with its obligations under 18 U.S.C. § 2258A to report apparent violations to NCMEC's CyberTipline where it has actual knowledge of such content. Users may report suspected child safety violations to legal@urbantiger.xyz.

7. Intellectual Property

7.1 Intellectual Property Rights

Urban Tiger, Inc. owns or licences all intellectual property rights in the Services, including its software, design, branding, and documentation. You are granted a limited, revocable, non-exclusive, non-transferable licence to access and use the Services for their intended purpose. You must not copy, modify, distribute, sell, sublicense, reverse-engineer, or create derivative works from any part of the Services without our express written consent.

7.2 Third-Party Property Rights

Urban Tiger, Inc. respects the intellectual property rights of others and expects users of the Services to do the same. In accordance with the Digital Millennium Copyright Act of 1998 (17 U.S.C. § 512) ("DMCA"), we will respond expeditiously to claims of copyright infringement committed using the Services that are reported to our designated copyright agent.

7.3 Designated Agent

Our designated agent for receiving notifications of claimed copyright infringement is: Urban Tiger, Inc. Attn: DMCA Agent — legal@urbantiger.xyz

7.4 Filing a Notification

If you believe that content hosted on or transmitted through the Services infringes your copyright, you may submit a written notification to our designated agent containing the following information:

• (a) A physical or electronic signature of the copyright owner or a person authorized to act on their behalf.
• (b) Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works.
• (c) Identification of the material that is claimed to be infringing or to be the subject of infringing activity, and information reasonably sufficient to permit us to locate the material on the Services.
• (d) Your contact information, including your name, address, telephone number, and an email address at which you can be reached.
• (e) A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
• (f) A statement, made under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the copyright owner.

7.5 Counter-Notification

If you believe that material you posted on the Services was removed or disabled as a result of mistake or misidentification, you may submit a written counter-notification to our designated agent containing the following:

• (a) Your physical or electronic signature.
• (b) Identification of the material that has been removed or to which access has been disabled, and the location at which the material appeared before it was removed or disabled.
• (c) A statement under penalty of perjury that you have a good faith belief the material was removed or disabled as a result of mistake or misidentification.
• (d) Your name, address, and telephone number, and a statement that you consent to the jurisdiction of the federal district court for the judicial district in which your address is located (or, if you are located outside the United States, any judicial district in which Urban Tiger, Inc. may be found), and that you will accept service of process from the person who provided the original notification or an agent of such person.

7.6 Process

Upon receipt of a valid takedown notification, we will act expeditiously to remove or disable access to the allegedly infringing material. We will promptly notify the user who posted the material that it has been removed. Upon receipt of a valid counter-notification, we will forward it to the original complainant and restore the removed material within ten to fourteen business days unless the complainant notifies us that they have filed a court action seeking a restraining order against the user.

7.7 Repeat Infringers

It is our policy to disable and, in appropriate circumstances, terminate the accounts of users who are repeat infringers.

7.8 Good Faith

Please be aware that under 17 U.S.C. § 512(f), any person who knowingly materially misrepresents that material is infringing, or that material was removed or disabled by mistake, may be subject to liability for damages.

8. Assumption of Risk

By using the Services, you acknowledge and accept the following risks:

• Cryptocurrency markets are highly volatile. The value of any digital asset may fluctuate significantly and you may suffer an economic loss.
• Blockchain transactions are irreversible. Errors in wallet addresses or transaction amounts cannot be corrected once submitted.
• Smart contracts and blockchain infrastructure may contain bugs or vulnerabilities. Urban Tiger, Inc. makes no warranty regarding the security of any smart contract.
• Pseudonymous identities on the platform may, in certain circumstances, be correlated with real-world identities by third parties through on-chain analysis.
• The regulatory environment for cryptocurrency and pseudonymous platforms is evolving and may change in ways that affect the Services.

Nothing in these Terms is financial, investment, legal, or tax advice. You are responsible for your own decisions and should seek independent professional advice where appropriate.

9. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, URBAN TIGER, INC. DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. URBAN TIGER, INC. DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, URBAN TIGER, INC. AND ITS DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS (COLLECTIVELY, THE "URBAN TIGER PARTIES") SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM OR IN CONNECTION WITH:

• YOUR USE OF, OR INABILITY TO USE, THE SERVICES;
• ANY UNAUTHORIZED ACCESS TO OR USE OF YOUR URBIT ID, WALLET, OR CONTENT;
• ANY INTERRUPTION, SUSPENSION, OR TERMINATION OF THE SERVICES;
• ANY BUGS, VIRUSES, OR OTHER HARMFUL CODE THAT MAY BE TRANSMITTED THROUGH THE SERVICES;
• ANY ERRORS, INACCURACIES, OR OMISSIONS IN ANY CONTENT OR INFORMATION MADE AVAILABLE THROUGH THE SERVICES;
• ANY CONDUCT OF ANY THIRD PARTY ON OR IN CONNECTION WITH THE SERVICES, INCLUDING OTHER LODGE MEMBERS OR HOSTS;
• THE VALUE, PRICE, OR VOLATILITY OF ANY DIGITAL ASSET;
• ANY SMART CONTRACT FAILURE, EXPLOIT, OR VULNERABILITY;
• ANY BLOCKCHAIN NETWORK CONGESTION, FAILURE, FORK, OR DISRUPTION; OR
• ANY OTHER MATTER RELATING TO THE SERVICES, EVEN IF THE URBAN TIGER PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Aggregate Liability Cap

THE TOTAL AGGREGATE LIABILITY OF THE URBAN TIGER PARTIES TO YOU FOR ALL CLAIMS ARISING UNDER OR IN CONNECTION WITH THIS AGREEMENT OR YOUR USE OF THE SERVICES SHALL NOT EXCEED THE GREATER OF:

• THE TOTAL AMOUNT OF FEES PAID BY YOU TO URBAN TIGER, INC. FOR USE OF THE SERVICES DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR
• TWO HUNDRED AND FIFTY US DOLLARS (USD $250).

Exceptions

NOTHING IN THIS AGREEMENT SHALL EXCLUDE OR LIMIT LIABILITY FOR:

• FRAUD OR FRAUDULENT MISREPRESENTATION;
• GROSS NEGLIGENCE OR WILLFUL MISCONDUCT;
• DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE;
• YOUR OBLIGATIONS UNDER THE INDEMNIFICATION SECTION OF THIS AGREEMENT; OR
• ANY OTHER LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL, CONSEQUENTIAL, OR CERTAIN OTHER DAMAGES. IN SUCH JURISDICTIONS, THE LIMITATIONS AND EXCLUSIONS SET FORTH IN THIS SECTION SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

11. Indemnification

You agree to defend, indemnify, and hold harmless Urban Tiger, Inc. and its directors, officers, employees, contractors, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from: (a) your use of the Services; (b) your content; (c) your violation of these Terms; (d) your violation of any third party's rights; or (e) your violation of any applicable law.

12. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or the Services shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.

12.1 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to a jury trial.

12.2 Arbitration Opt-Out

You may opt out of the agreement to arbitrate and the class action waiver set forth in this Section by sending written notice to legal@urbantiger.xyz within thirty (30) days of your first use of the Services. Your notice must include your name, your Urbit ID (if applicable), and a clear statement that you wish to opt out of binding arbitration. If you timely opt out, neither party may compel the other to arbitrate, and any dispute will be resolved in the courts specified in this Section. Opting out of arbitration will not affect any other provision of these Terms or your ability to use the Services.

13. Term and Termination

These Terms remain in effect for as long as you use the Services. Urban Tiger, Inc. may suspend or terminate your access at any time, with or without notice, if you breach these Terms, if required by applicable law, or for any other reason at our sole discretion.

On termination, your licence to use the Services ends immediately. Sections 6, 7, 8, 9, 10, 11, 12, and 14 survive termination. On-chain data and membership records are outside our control and will persist after termination.

14. General

Entire agreement. These Terms, together with the Privacy Policy and any additional terms applicable to specific features, constitute the entire agreement between you and Urban Tiger, Inc. regarding the Services.

Severability. If any provision of these Terms is found to be unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force.

No waiver. Our failure to enforce any provision of these Terms will not constitute a waiver of our right to enforce it in the future.

Assignment. You may not assign these Terms or any rights hereunder without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

Changes to Terms. We may modify these Terms at any time. Material changes will be communicated via the Services or by email. Your continued use after changes take effect constitutes acceptance. If you do not agree to modified Terms, stop using the Services.

15. Force Majeure

Neither party shall be liable for any delay or failure to perform any obligation under this Agreement (other than an obligation to make payments) where such delay or failure results from any cause beyond the affected party's reasonable control, including but not limited to:

• Acts of God, fire, flood, earthquake, pandemic, epidemic, or other natural disaster;
• War, invasion, hostilities (whether war is declared or not), terrorist threats or acts, riot, or other civil unrest;
• Actions, embargoes, sanctions, or blockades imposed by any government or public authority;
• National or regional emergency;
• Strikes, labor stoppages, lockouts, or other industrial disputes;
• Interruption or failure of utility services, including electric power, gas, water, or internet service;
• Blockchain or distributed ledger network congestion, hard forks, consensus failures, protocol-level bugs, mining or validator disruptions, or materially increased transaction fees that render normal use of the Ethereum network commercially impracticable;
• Failure, degradation, or unavailability of third-party infrastructure or services upon which the Services depend, including Ethereum RPC node providers, IPFS nodes, smart contract execution environments, and third-party wallet software;
• Smart contract exploits, vulnerabilities, or failures in contracts deployed by third parties with which the Services interact;
• Cyberattack, distributed denial-of-service attack, or other malicious interference with the Services or the underlying blockchain infrastructure; and
• Any change in applicable law, regulation, or governmental order that makes performance of an obligation unlawful or commercially impracticable.

The affected party shall give prompt written notice to the other party of the force majeure event and shall use commercially reasonable efforts to mitigate its effects. If a force majeure event continues for more than ninety (90) consecutive days, either party may terminate this Agreement upon thirty (30) days' written notice to the other party.

For the avoidance of doubt, on-chain data, including Lodge membership records and token balances, will persist on the Ethereum blockchain regardless of any force majeure event affecting Urban Tiger, Inc.'s ability to operate the Services. Users retain the ability to interact with deployed smart contracts through alternative front-ends or direct on-chain transactions during any period of service interruption.

16. Export Controls and Sanctions

The Services may be subject to export control and sanctions laws and regulations of the United States and other jurisdictions, including without limitation the Export Administration Regulations maintained by the U.S. Department of Commerce, trade and economic sanctions maintained by the U.S. Treasury Department's Office of Foreign Assets Control ("OFAC"), and the International Traffic in Arms Regulations maintained by the U.S. Department of State. You represent and warrant that you:

• Are not located in, organized under the laws of, or a citizen or resident of any country or territory that is the subject of comprehensive U.S. sanctions (currently Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk People's Republic, and Luhansk People's Republic regions of Ukraine, or any successor designations);
• Are not identified on any applicable government restricted party list, including the OFAC Specially Designated Nationals and Blocked Persons List (SDN List), the OFAC Consolidated Sanctions List, the U.S. Department of Commerce Entity List, the U.S. Department of Commerce Denied Persons List, or any equivalent list maintained by the European Union, United Nations Security Council, or His Majesty's Treasury;
• Are not owned or controlled by, or acting on behalf of, any person or entity identified on any such restricted party list;
• Will not use the Services to transact with or for the benefit of any person, entity, or jurisdiction identified in the above; and
• Will comply with all applicable export control and sanctions laws in connection with your use of the Services, including your transfer of any digital assets, content, or data through the Services.

Urban Tiger, Inc. reserves the right to implement technical measures, including IP-based geofencing, to restrict access to the Services from sanctioned jurisdictions. You acknowledge that such measures may be imperfect and that the use of VPNs, Tor, or other anonymization tools to circumvent geographic restrictions constitutes a material breach of this Agreement.

You agree to indemnify and hold harmless Urban Tiger, Inc. from any claims, damages, losses, or penalties arising from your breach of this Section, including any fines or enforcement actions by OFAC or any other governmental authority.

17. Contact