Legal

Terms of Service

Effective 13 September 2026 · Apex AI Labs ("Mizan", "we") · support@joinmizan.app

These terms are the agreement between you and Apex AI Labs for using the Mizan app and the website joinmizan.app (together, "Mizan"). Please read them; they are short on purpose, and the important parts are the ones about what Mizan is and is not. By creating a wallet or using Mizan you agree to them. If you do not agree, do not use Mizan.

1. What Mizan is, and is not

Mizan is software. It gives you a self-custodial wallet on the Solana blockchain and an interface to view, send, receive and swap the digital assets in it. The wallet's keys are created on your device and controlled only by you.

Mizan is not a custodian. We never hold, pool, control or have access to your assets or your keys. There are no Mizan balances or accounts holding your funds, and we cannot move, freeze, recover or return anything in your wallet. The only funds we receive are the service fee on a swap (section 5), which is paid on-chain to our own wallet as part of the swap you sign.

Mizan is not a bank, a marketplace, a money-transmission service or a financial adviser. We do not accept, hold or transmit money. We do not match buyers and sellers; swaps are executed by public on-chain programs (section 4). We do not give investment, financial, legal, tax or religious advice, and nothing in the app or on this website is a recommendation to buy, sell or hold any asset.

2. Who can use Mizan

• You must be at least 18 years old and able to enter a binding contract.
• Mizan is available only in the regions where we have chosen to make it available. We determine your region from your connection when you use the app. If your region is not supported, the app will say so and you will not be able to swap; you may leave an email to be told when that changes.
• You may not use Mizan if you are on a sanctions list, are located in a sanctioned country or territory, or are otherwise prohibited by law from using it.
• You may not use Mizan on behalf of someone else, or let anyone else use your sign-in.

3. Your wallet and your keys

Your wallet is an embedded self-custodial wallet provided through Privy and secured by your Apple or Google sign-in and the device lock you set in the app. This means:

• You are responsible for your sign-in and your device. Anyone who can use your Apple or Google account on a device and pass the app's lock can use your wallet. Keep them secure.
• We cannot recover your wallet. If you lose access to your sign-in, we have no way to restore your keys or your assets. No one at Mizan will ever ask you for your keys, recovery details or password.
• You can leave at any time. From the first screen in Settings you can send every asset in your wallet to any other Solana wallet you control, with no fee from us, including while swaps are paused. The app cannot currently display your raw private key on screen, and the Your keys screen in the app says so.
• Transactions are yours. Every transaction is built for you to review and is signed on your device. Once signed and confirmed on the blockchain, it cannot be reversed by us or by anyone.

4. Swaps

• A swap is a spot trade of one screened asset for another, executed on the Solana blockchain and settled immediately. Mizan offers nothing else: no margin, leverage, futures, perpetuals, short selling, lending, borrowing, staking yield or interest.
• Routes and prices come from the Jupiter aggregator, which finds a path across Solana's public on-chain markets. We do not set prices and we are not a party to the trade.
• Before you confirm, the app shows what you are swapping, the least you will receive, the service fee on its own line, and the network fee. The amount you actually receive can be higher than the least shown, never lower; if the market moves so that it would be lower, the swap does not go through and your assets stay where they were (the network may still charge its own small fee for the attempt).
• Every transaction is simulated before you are asked to sign it. If the simulation shows anything other than the swap you reviewed, the app refuses to sign.
• Blockchain transactions can fail after signing for reasons outside our control (network congestion, a route becoming unavailable). A failed swap does not move your assets, but the network's own fee for the attempt may still be charged by Solana.
• A confirmed swap is final. We cannot reverse, cancel or refund it.

5. Fees

• Service fee (ujra): 0.75% of the amount a swap returns, paid as part of the swap to our fee wallet. It is the same rate for everyone and is shown on its own labelled line, in dollars and in the asset, before you confirm. It is a fee for the work of arranging and executing your swap; it is never interest, and we earn nothing from your balance.
• Network fee: the Solana network charges a small fee for each transaction. It is shown separately, it goes to the network, and we receive none of it.
• Everything else is free from us: sending, receiving, viewing your wallet, and moving everything out.
• If we change the service fee, we will announce it in the app and on this page at least 30 days before it takes effect. A swap always shows the fee that applies to it.
• Fees paid through a third party, such as MoonPay's fees on a purchase, are set by and paid to that third party.

6. Screened assets

• Mizan shows and swaps only assets on our screened list. You cannot add an asset by pasting its address, and we do not list assets on request.
• Each listed asset has passed the written checks described in the app, and the reasoning is shown on its screening card. Our method draws on AAOIFI-style standards, but it is our method, applied by us.
• Screening is not a religious ruling. At the date of these terms, no independent scholar has reviewed or signed our method, and the app says so on every screening card. Mizan describes what it does and how it screens. Whether any asset, or swapping at all, is appropriate for you is a question for you and your own scholar.
• We may remove an asset from the list at any time — for example, if it no longer passes a check. If you hold a removed asset, it remains yours: you can still see it and send it anywhere, but you will not be able to swap into it through Mizan.

7. Buying crypto with money

Where available, you can buy crypto with a card, bank account or Apple Pay through MoonPay, a separate company, in a screen MoonPay controls. That purchase is a contract between you and MoonPay under MoonPay's terms; MoonPay performs its own identity checks, sets its own fees and limits, and delivers the assets directly to your wallet. We do not receive your money or your identity information, and we are not responsible for MoonPay's service. See our privacy policy for what this means for your data.

8. Availability and pauses

• We may pause swapping — for all assets or for one — at any time, for example during an incident, a security concern, or a change to an asset's listing. The app will say swaps are paused. Sending and leaving always remain available; a pause never touches your ability to move your assets.
• We may change or discontinue features, or Mizan itself. Because your assets are in your own wallet, discontinuing Mizan would not affect them; you would simply use another Solana wallet.
• Mizan depends on third-party networks and services that can be slow or unavailable. We do not promise uninterrupted availability.

9. Acceptable use

You agree not to use Mizan:

• for anything unlawful, including money laundering, financing terrorism, fraud or evading sanctions;
• to send assets to an address on a sanctions list — the app checks destinations against public sanctions lists and refuses such sends;
• to interfere with the service, its providers or other users, or to probe or attack it;
• with a modified copy of the app, or in a way that misrepresents where you are or who you are;
• on behalf of a business or another person, or as a service to others.

If you break these rules we may suspend your access to Mizan's servers. That stops you using the app; it cannot and does not stop you moving your assets with any other Solana wallet, because they were never ours.

10. Risks you accept

• Digital assets are volatile. Their value can fall sharply and quickly, including to nothing. You may lose everything you put in. Screening an asset for how it is used and how its project earns money says nothing about its price.
• Transactions are irreversible. Assets sent to the wrong address are gone. Check every address.
• Blockchains and protocols can fail. Solana, the Jupiter programs, and the projects behind listed assets are outside our control and can have outages, bugs or attacks.
• Regulation is changing. The law on digital assets may change in ways that affect Mizan or your ability to use it in your region.
• Only you control your keys. If you lose them, no one can help you, including us.
• Nothing here is advice. We describe what the app does; we do not tell you what to buy, and past performance of anything says nothing about its future.

11. Third-party services

Mizan is built on services we do not control: Privy (sign-in and wallet), the Solana network, Jupiter (swap routing), Helius (blockchain data), MoonPay (fiat purchases), Supabase (our servers), Sentry (crash reports), and Apple and Google (distribution, sign-in, notifications). Each has its own terms. We are not responsible for their availability or their actions, and where they are unavailable Mizan may not work.

12. The software and your licence to it

The Mizan app, website, name, eight-point star, screening write-ups and other content are owned by Apex AI Labs or our licensors. We give you a personal, non-transferable, revocable licence to use the app for its intended purpose on a device you control. You may not copy, modify, reverse-engineer, resell or redistribute it, or use our name or mark without permission. Open-source components in the app are covered by their own licences.

13. Disclaimers

Mizan is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including fitness for a particular purpose and non-infringement. We do not warrant that Mizan will be error-free or uninterrupted, that any asset will keep any value, or that any swap will execute at any particular price. Screening statements are descriptions of our own method and its results, not warranties about any asset and not religious rulings.

14. Limitation of liability

To the fullest extent the law allows, Apex AI Labs and its people are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of assets, value, data or opportunity, arising from your use of Mizan — including losses caused by market movements, blockchain or third-party failures, your loss of your sign-in or device, or transactions you signed. Our total liability to you for all claims together is limited to the greater of the service fees you paid us in the twelve months before the claim and one hundred U.S. dollars. Some jurisdictions do not allow some of these limits; where that is the case, they apply only as far as the law permits.

15. Your responsibility for your use

You are responsible for your use of Mizan and for complying with the law where you are, including tax obligations on your assets. If a third party brings a claim against us because of your breach of these terms or your unlawful use of Mizan, you agree to cover the resulting costs, including reasonable legal fees.

16. Ending the agreement

• You can stop using Mizan at any time. Move your assets to another wallet first if you want them elsewhere, then ask us to delete your account (see the privacy policy).
• We may suspend or end your access to Mizan's servers if you breach these terms, if the law requires it, or if we discontinue the service, giving notice where we reasonably can. Ending access never affects your wallet or your ability to move your assets with other software.
• Sections that by their nature should survive — including 10, 13, 14, 15 and 18 — survive the end of this agreement.

17. Changes to these terms

We may update these terms. For changes that matter — the fee, what the app does, your rights — we will tell you in the app at least 30 days before they take effect and update the date at the top. Using Mizan after that date means the new terms apply. If you do not agree, stop using Mizan and move your assets; you can always do that.

18. Governing law and disputes

These terms are governed by the laws of the State of California, USA, without regard to its conflict-of-law rules. Any dispute that we cannot resolve together will be brought in the state or federal courts located in California, and you and we each agree to their jurisdiction. Before bringing a claim, write to us at the address below and give us 30 days to try to resolve it. If any part of these terms is found unenforceable, the rest remains in effect. These terms, together with the privacy policy, are the whole agreement between you and us about Mizan.

19. Contact

Apex AI Labs · support@joinmizan.app · joinmizan.app