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Terms of Service

It is your own responsibility to read the Terms of Service carefully before you start to use Haven.

This agreement is between you (‘You’ or ‘Your’) and W3W Digital Pte Ltd, the developer of Haven, a company registered in Singapore with company registration number 202216710G, and its registered address at 20 Kallang Avenue #06-6B, Pico Creative Centre Singapore 339411 (“W3W”, “We” or “Us”).


  • Haven is a Blockchain Platform which consists primarily of a mobile application (‘Software’) and website []. We also provide both virtual and physical debit card services. All of the services provided by Haven Wallet are identifed in this document as ‘Services’.
  • You desire to utilize the Services provided by Us.

In consideration of Us providing the Services to You, You hereby agree to the Terms of Service as set out below:

1. Product Specific Terms of Service

Haven is a blockchain-enabled platform, which consists of the Haven Wallet Application and the Haven OMNi Card. Please find below certain product specific terms and conditions that are to be construed in addition to the general terms and conditions of these Terms of Service.

Haven Wallet Application

We have created means for users to access and transfer ownership of virtual currency tokens (‘Cryptocurrency’), such as Bitcoin and Ether. By agreeing to these Terms of Service You will receive a license to utilise Haven and its desktop and mobile applications. You should only use Haven if you are familiar with cryptocurrencies. We highly recommend learning the basics of the specific cryptocurrency that You plan on using Haven for, before running the application.

1.1.1. You Own Your Private Keys

Haven does not store Your private keys or passwords (“Private Information”) on its servers. It is very important that You backup and save your Private Information. We urge you to save your private key and store it in a safe place. If You lose Your Private Information, we will be able to recover your account for you in most, if not all, circumstances. In the very unlikely event that your funds are not recoverable, You may lose access to Your Virtual Currencies. As a non-custodial offering, We neither insure your funds nor guarantee recovery. Haven does not have access to your wallet or your funds and We are unable to transact on your behalf. If You do not understand the above paragraph, then You should not utilise Haven until You learn more about Virtual Currencies. If you do not save your private key, there is a risk that you may not be able to access the Virtual Currency associated with your Wallet.

1.1.2. Transactions

The only authentic record of Virtual Currency transactions is the applicable Virtual Currency’s blockchain. The Haven Wallet Application provides functionality that allows You to send Virtual Currency transfer instructions. We do not guarantee that Your transactions will be delivered, because Your transaction from Haven is processed by the relevant blockchain. You must ensure that Your transactions conform to the applicable rules of the Virtual Currency software. There may be transaction fees (e.g. Network or Gas fees) associated with Your Virtual Currency transactions that are required by the blockchain that You engage with. We shall not be responsible for any losses that You incur due to transactional failure on the blockchain, or token losses from cross-chain transactions performed without the use of a bridge. We do not have access to Your transactions (or anyone else’s).

1.1.3. No Control Over Blockchains and Virtual Currencies

We are not the creator of, nor do We have any control over any of the Virtual Currencies supported by Haven.

1.1.4. Third Party Integrations

The Haven Wallet Application contain libraries developed by third parties. We may provide third-party libraries to You as part of Haven but We shall not be considered to be the owner or licensor of the third-party libraries. Third-party services are used for the swapping and buying of Virtual Currencies, for Multi-Party Computation, and for attaining blockchain data. We retain the exclusive rights to add, modify, or cancel the availability of any Third-Party Service.

Haven OMNi Card

Haven OMNi Card is a payment card system that allows users to spend Cryptocurrency through the Mastercard, Visa and/or UnionPay networks at various merchants around the world. Users can pledge cryptocurrency to their Haven OMNi Card, and subsequently make payments in fiat using the Haven OMNi Card over the Mastercard, Visa and/or UnionPay networks to various merchants at the exchange rate.

1.1.5 Fees for Haven OMNi Card

By using the Haven OMNi Card, you will be liable for certain fees including but not limited to card issuance fees, annual subscription fees, pledging fees and other fees which are set out in the Fee Schedule on Our website (the “Fees”). The Fee Schedule may be amended by us from time to time without notice, and your continued use of the Haven OMNi Card constitutes an agreement to the payment of the Fees.

1.1.6 Release of Pledge

You are entitled to make applications to release pledges made to your Haven OMNi Card. Releases of pledges will take up to 7 working days to process, and will incur a Release Fee as set out in our Fee Schedule. Releases shall be made in cryptocurrency.

1.1.7 Exchange Rate

When a pledge is made to Your Haven OMNi Card, the amount pledged in cryptocurrency will be stored as fiat value in your card. This stored fiat value shall then be used to pay merchants. The exchange rate of this conversion shall be in accordance with the prevailing exchange rate as set out by Mastercard, Visa and/or UnionPay.

1.1.8 Failure of Verification on the Blockchain

In the unlikely event that the payment of any fees or the pledging of any cryptocurrency fails on the blockchain, You agree that We shall not be liable for any network fees and / or gas fees incurred by You.

1.1.9 Fraudulent Transactions and Loss of Card

If you discover that a fraudulent transaction has been made on your Haven OMNi Card, you agree that you shall endeavour to report the incident as soon as possible. In such events, we will assist to investigate the matter together with the Card Issuer with reasonable care and diligence. The determination of the outcome of an investigation Card Issuer shall be conclusive and binding, and You agree that You are not entitled to make an application for a right to review or appeal the matter. You are further responsible for the safeguarding of your Haven OMNi Card details. In the event that you have lost and / or misplaced any physical Haven OMNi cards and / or believe that the card details of any physical or digital OMNi Card have been compromised and / or released to any third-parties, You will be required to raise a report in-app immediately and file a request for the card to be locked. You further agree that Haven shall not be held liable for any sums incurred on the Haven OMNi Card for whatever reason prior to a card being locked. You further acknowledge that the locking of the Haven OMNi Card is not immediate, and may take up to 1 working day to process.

1.2. In-wallet Operations.

By using the Haven Wallet mobile application You agree with the Terms of Use of the respective third-party partners. Please refer to and respect the relevant third-party licenses: Multi-Party Computation is provided by Custonomy Company Limited, Token Swaps are provided by 1inch and UniSwap, and Token Purchases are provided by Mercuryo.

Although the Haven Wallet Application make it easy to engage with the integrated third parties, We shall not be responsible for any consequences stemming from Your use of third-party integrated services. If You need assistance with a third-party integration then You should contact the third-party along with contacting our support.

The estimated amount which is presented to You in the Wallet prior to performing a transaction is not final. It can differ from the final amount due to fluctuations in network and gas fees.

2. Agreement to Terms

By accessing or using any or all of the Services, you expressly acknowledge that: a) you have read and understood these Terms; b) you agree to be bound by these Terms; and c) you are legally competent to enter into these Terms.  

If you do not agree to be bound by these Terms or any updates or modifications to these Terms, you may not access or use our Services. We do not provide investment or financial advice or consulting services. We are solely the provider of the Haven Wallet Application and we do not advise or make recommendations about engaging in digital asset transactions or operations. Decisions to engage in transactions or perform operations involving digital assets should be taken on your own accord.

3. Your Obligations

You shall:

  • be of the age of majority in Your local jurisdiction;
  • be responsible for Your own Virtual Currency;
  • backup/write down Your Private Key and Backup Phrase and keep it private;
  • carefully guard Your Private Keys and Backup Phrase in case of usage Haven Wallet Application; and,
  • ensure that Your device(s) are fully updated and do not contain viruses, malware or otherwise malicious software.

You shall not:

  • violate any laws when using Haven Wallet Application;
  • circumvent or attempt to circumvent the security measures Haven Wallet are using to protect other accounts, computer systems, or networks connected to the Haven Wallet Application;
  • deposit Virtual Currency into addresses for tokens and/or coins that are not supported by the Haven Wallet Application; or,
  • use the Haven Wallet Application in a manner likely to infer with other Haven users or virtual currency nodes (e.g. excessive API calls or network spam);

4. Limited Intellectual Property License

This agreement licenses the Haven Services to You on a personal, non-exclusive, royalty-free, non-transferable, worldwide-basis, for the purpose of managing virtual currencies. You are not permitted to redistribute any of Services, modify any code or use any Haven content, including images and text, as part of any other software or project of any kind.

5. Specifically Disclaimed Risks

Using Virtual Currency software necessarily entails many risks. We specifically disclaim and shall have no liability to You for the following risks:

  • operating system failures (mobile or desktop);
  • interactions between Your hardware, software, and the Haven;
  • cloud backup software (e.g. certain Android distributions) may upload your private information to third party services;
  • malware, viruses or other malicious software on Your device that is able to take control of or interfere with Haven;
  • communication delays between Your Haven Wallet Application and a node or relay service for a virtual currency (and vice versa);
  • failure to achieve a certain market value/price for a virtual currency token, whether through a third-party service or any other kind of transaction; theft of virtual currency tokens; or
  • hacking or loss of service or coins as a result of unauthorised third-party use in any way;

6. No Warranty

You expressly acknowledge and agree that use of the services (including any private key storage service offered as part of the services, whether cloud or hardware-based) and content is at your sole risk and that the entire risk as to satisfactory quality, performance, accuracy and effort is with you. The app, site and services are provided on an "as is " and "as available " basis without any representation or warranty, whether express, implied or statutory. To the maximum extent permitted by applicable law, we specifically disclaims any express or implied warranties of title, merchantability, fitness for a particular purpose and/or non-infringement. We do not make any representations or warranties that access to the services or any of the materials contained therein will be continuous, uninterrupted, timely, or error-free.

Use of any private key storage service included as part of the services is offered to you as a convenience, subject to the limitations above. To be safe, you should always backup your private access key via secondary means.

7. Limitation and Cap on Liability

To the fullest extent permitted by applicable law, in no event will we, or our affiliates, or any of our respective shareholders, members, directors, officers, employees, attorneys, agents, representatives, suppliers or contractors be liable for any direct damages or incidental, indirect, special, punitive, consequential or similar damages or liabilities whatsoever (including, without limitation, damages for loss of data, information, revenue, profits or other businesses or financial benefits) whether under contract, tort, negligence, statute, strict liability or other theory even if we have been advised of the possibility of such damages, arising out of your access or use of the services, including, but not limited to: any unauthorized use of your wallet address and/or private key due to your failure to maintain the confidentiality of your wallet, any interruption or cessation of transmission to or from the services or any bugs, viruses, trojan horses, or the like that are found in the software or that may be transmitted to or through our services by any third party (regardless of the source of origination); any actions we take or fail to take as a result of communications you send to us; human errors; technical malfunctions; failures, including public utility or telephone outages; omissions, interruptions, latency, deletions or defects of any device or network, providers, or software (including, but not limited to, those that do not permit participation in our services); any injury or damage to computer equipment; inability to fully access our website, trust wallet or the services or any other website; theft, tampering, destruction, or unauthorized access to, images or other content of any kind; data that is processed late or incorrectly or is incomplete or lost; typographical, printing or other errors, or any combination thereof; or any other matter relating to the website, application or any other aspect of the services. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you. In no event shall our liability to you for all damages (other than may be required by applicable law in cases involving personal injury) exceed the amount of fifty US dollars (USD50.00) or its equivalent in the local currency of the applicable jurisdiction.

8. Indemnity

You will indemnify and hold harmless Us and our officers, directors, employees and agents, from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with (i) your access to or use of the Services or Content, (ii) your User Content, (iii) Third Party Materials, or (iv) your violation of these Terms.

9. Termination or Discontinuance of Services

If at any time you do not feel that you can agree to these Terms of Service or any changes made to the Terms of Service or Haven Wallet, you must immediately stop using Haven Wallet.

We may immediately terminate your use of the Haven Wallet if you breach the terms and conditions we set for accessing and using the Haven Wallet including these Terms of Service.

We may, in our sole discretion and without cost to you, with or without prior notice, and at any time, modify or discontinue, temporarily or permanently, any portion of our Services.

You are responsible for storing outside of the Software Your private key. Saving your private key associated with your Haven Wallet will allow you to access the blockchain and your funds at any place and time. This backup will allow You to fully restore Your Haven Wallet at any time without cost or loss of the Virtual Currency.

We shall not be held responsible or liable for any loss of Virtual Currency in the event that we discontinue or the Services and the termination of your use of the Haven Wallet shall not affect any of your obligations to pay any sums due to us.

10.  Non-Waiver

No action or inaction on the part of Us shall be considered a waiver of any right or obligation by Us.

11.  Amendment

This agreement may be amended by Us by providing You with 7 days’ notice of any proposed change. If You do not agree to the amended terms then Your sole remedy shall be to cease using Services of the website.

12.  Assignment

You may not assign this agreement. We may assign this agreement at any time.

13.  Entire Agreement

This is the entire agreement between the parties and supersedes any other agreement, representations (or misrepresentations), or understanding, however, communicated.

14. Jurisdiction of Singapore Courts

The courts of Singapore have exclusive jurisdiction to settle any dispute arising out of or in connection with this Terms of Service (including a dispute regarding the existence, validity or termination of these Terms of Service).