1. Overview and Eligibility
Jumpa is an AI-powered conversational money app that lets you send, receive, swap, save, and spend digital assets and local currencies in one conversation.
- You must be at least 18 years old and legally competent to enter into a contract.
- You are using Jumpa for yourself, not on behalf of an undisclosed third party or sanctioned entity.
- Jumpa is not a bank. Digital asset balances are not insured bank deposits and do not earn statutory interest unless explicitly engaged in a designated savings protocol.
- Nothing provided in the app or stated by the assistant constitutes financial, investment, legal, or tax advice.
2. Your Account and Security
- You register using your email and verified phone number, setting a login password, and a 4-digit transaction PIN.
- Your 4-digit PIN is required to authorize all payments, swaps, and secret key exports. Never share your password or PIN with anyone, including Jumpa staff.
- You are solely responsible for activities performed through your account and for maintaining device security.
- We may require identity verification (KYC) to comply with regulatory standards or partner bank requirements.
3. Your Wallet and Key Ownership
You retain ownership of your digital assets. Your wallet credentials are encrypted securely and can be exported at any time in Settings > Security.
- Jumpa automatically creates multi-chain wallet addresses (Stellar, Base, Ethereum, Solana, Tron) for your account.
- You can view and export your private keys and recovery phrase in Settings by entering your 4-digit PIN.
- If you decide to delete your Jumpa account, you MUST export your recovery phrase or private keys beforehand. Once your account is deleted, Jumpa cannot retrieve your keys, and any remaining on-chain funds will be permanently inaccessible.
4. The Chat Assistant and Transaction Approval
The Jumpa AI assistant parses text or voice instructions to prepare transaction previews. It cannot autonomously move your funds.
- No transaction executes until you inspect the review card and authorize it with your 4-digit PIN.
- You must carefully verify recipient tags, bank account details, destination wallet addresses, and quoted rates before approving.
- Quoted rates, exchange fees, and estimated arrival times are indicative and may adjust to real-time market slippage and blockchain gas conditions.
- Never paste private keys, seed phrases, or sensitive passwords into the chat interface.
5. Transactions and Finality
Blockchain transactions are final and irreversible once broadcast. Jumpa cannot cancel, edit, or recall on-chain transfers once successful.
- Sending funds to an incorrect address or over an unsupported chain network will result in permanent loss.
- Bank deposits and withdrawals (fiat on/off ramps) are facilitated by regulated third-party infrastructure partners. Partner processing times and verification requirements apply.
- Blockchain network gas fees are collected by their respective decentralized networks, not Jumpa, and cannot be refunded even if a transaction fails.
6. Savings, Yield, and Partner Services
- Savings plans allocate assets into third-party decentralized protocols or local yield vaults. Projected yields are variable and subject to market protocol risk.
- Airtime, data, and utility payments are delivered by telecommunication partners upon transaction confirmation.
- Jumpa does not guarantee the uptime or performance of external protocols, bridges, or payment rails.
7. Prohibited Uses, Anti-Scraping, and IP Protection
Scraping, automated data extraction, copying our interface or code, and trademark or copyright infringement are strictly prohibited.
- You must not scrape, crawl, reverse-engineer, decompile, copy, frame, or mirror any portion of the Jumpa interface, API, or underlying code.
- All Jumpa trademarks, logos, brand elements, designs, text, and software are the exclusive intellectual property of Jumpa Technologies Limited.
- You may not use Jumpa for unlawful purposes, money laundering, fraud, terrorist financing, sanctions evasion, or commercial exploitation.
- Violation of these rules will result in immediate account termination and potential legal action.
8. Disclaimers, Liability, and Governing Law
Jumpa is provided "as is" without express or implied warranties. To the maximum extent permitted by law, Jumpa Technologies Limited is not liable for indirect losses, lost profits, blockchain network outages, or errors caused by incorrect recipient details.
Our aggregate liability is capped at the total fees you paid us in the six months before the claim. These terms are governed by the laws of Nigeria, under the exclusive jurisdiction of the courts of Lagos State, Nigeria. For questions or dispute resolutions, contact us at legal@usejumpa.com or through in-app support.