Terms of Use
Last updated 29 October 2026
These terms cover this website and the Pearl Safe mobile app, provided by Pearl Safe, the operator ("we", "us"). By using either, you agree to them.
1. What Pearl Safe is
Pearl Safe is self-custody software. It creates your keys on your own device, so that you can hold and send Pearl, Bitcoin and Zcash yourself. Encrypted parts that let you recover are held by us and by our recovery provider, never in a form we can use.
We are not a bank, a broker, a custodian or a money transmitter. We do not hold your funds, we do not take deposits, we cannot move your funds, and we cannot freeze, reverse or recover a payment you have made. We provide software; you hold the money.
Swaps. The app can swap Bitcoin and Zcash through 1Click, a third-party service run by NEAR Intents. Before you approve, the quote shows what you pay, about how much you get and the least you will get, the 0.8% swap fee (half to us, half to 1Click) and the network fee. 1Click holds the coins for the few minutes a swap takes; if a swap cannot be done, they come back less a refund fee. Swaps are not available in sanctioned countries or regions.
2. Beta status
The app is in beta. It runs on the Pearl, Bitcoin and Zcash main networks with real coins; test networks are in Settings → Advanced. It is incomplete and may contain defects. Do not use it to hold anything you are not prepared to lose. We may change, suspend or withdraw the beta at any time.
3. Your responsibilities
- Keep your device, its passcode and its biometrics secure. Anyone who can unlock your phone and pass its biometric check can approve payments.
- If you export your recovery phrase, store it safely. Anyone who obtains it controls your funds, permanently, and we will never ask you for it.
- Check the recipient address before you approve. Blockchain payments are final and cannot be reversed by us or by anyone.
- Use the app lawfully, and do not use it if sanctions or local law prohibit you from doing so.
4. What we do not promise
The software is provided "as is", without warranties of any kind to the fullest extent the law allows: no warranty of merchantability, fitness for a particular purpose, uninterrupted availability, or freedom from defects. We do not warrant that the app is free of vulnerabilities, and we make no claim that it is unhackable.
We give no advice — financial, investment, tax or legal — and nothing in the app or on this site is a recommendation to acquire, hold or dispose of any cryptoasset. We make no representation about the value of PRL or of any other asset.
5. Things outside our control
We are not responsible for the blockchains it works with, their consensus rules, their availability or their fees; for third-party services such as your device's operating system, your passkey provider, our recovery custodian or the swap service (1Click); or for losses caused by your device being compromised, by you losing your recovery phrase and your recovery factors, or by you approving a payment you did not intend.
6. Limitation of liability
To the fullest extent permitted by law, our aggregate liability arising from the app or this website is limited to one hundred euros (€100), and we are not liable for indirect or consequential loss, loss of profit, or loss of cryptoassets.
Nothing here limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be limited under Dutch law. If you deal with us as a consumer, your mandatory statutory rights are unaffected.
7. Intellectual property and independence
The Pearl Safe name, the site and the app's design are ours. "Pearl" and "PRL" are used only to name the public blockchain this software works with. Pearl Safe is an independent wallet and is not affiliated with, endorsed by or connected to Pearl Research Labs. We use no Pearl Research Labs logo, logotype or artwork.
8. Changes and governing law
We may update these terms; the date at the top shows when we last did. Dutch law applies, and the courts of Amsterdam have jurisdiction, subject to any mandatory consumer protection in your own country of residence.