Terms of service

Last updated: November 12, 2026.

These Terms of Service (the "Terms") govern your access to and use of signets.com and any related pages, content, and materials we make available there (the "Site"). The Site is operated by Signets Labs, Inc. ("Signets," "we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

These Terms cover the Site only. If you open a Signets account or use Signets products, including accounts, cards, payments, wallets, or our APIs (the "Products"), your use of the Products is governed by the separate agreements you accept when you sign up, such as the applicable card terms, account terms, and partner terms (the "Product Agreements"). If these Terms conflict with a Product Agreement, the Product Agreement controls.

If you use the Site on behalf of a company or other organization, you represent that you are authorized to accept these Terms on its behalf, and "you" refers to that organization as well.

You must be at least 18 years old, or the age of majority where you live, to use the Site. By using the Site, you represent that you meet this requirement and that your use of the Site complies with the laws that apply to you.

Signets is a financial technology company, not a bank or FDIC-insured depository institution. Banking and custody services are provided by licensed banking partners. FDIC insurance, where applicable, covers only the failure of the insured bank holding your deposits, not Signets or any other third party.

Stablecoin on-ramps and off-ramps are provided by third parties. Digital assets are not deposits or legal tender, are not covered by FDIC, SIPC, or any other government insurance, and their transactions may be irreversible.

Products described on the Site may not be available in every jurisdiction or to every customer, and are subject to eligibility requirements, identity verification, and approval. Geographic, regulatory, and other restrictions may apply.

The Site, including product descriptions, examples, blog posts, and other materials, is provided for general information only. Nothing on the Site is financial, investment, legal, tax, or accounting advice, and nothing on the Site is an offer to sell, or a solicitation of an offer to buy, any financial product or service.

Descriptions of Products, features, pricing, coverage, rails, partners, and availability are subject to change and may describe features that are in development, in early access, or not yet available. Examples, sample amounts, cards, and agents shown on the Site are illustrative. The Product Agreements, not the Site, describe the Products you may actually receive.

The Site may contain forward-looking statements about our plans and the market. These statements reflect our current expectations and are not guarantees of future results.

You may request early access to the Products through the Site. Submitting a request does not create an account, guarantee access, or obligate either of us to enter into any agreement. We may accept, decline, or defer any request at our discretion, and we may contact you about your request using the details you provide.

You agree that the information you submit is accurate and that you have the right to share it. We handle that information as described in our Privacy Policy, available at https://signets.com/legal/privacy.

You agree not to, and not to permit anyone acting for you to:

We publish machine-readable versions of the Site, including llms.txt, so that AI agents and other software can read it. Automated access is permitted when it is reasonable in volume, respects robots.txt and any rate limits we set, and is used to read, summarize, or reference the Site.

If an AI agent, script, or other software accesses the Site on your behalf, you are responsible for its actions as if they were your own, including its compliance with these Terms.

The Site and its content, including text, graphics, animations, video, software, and the Signets name, logo, and other marks, are owned by Signets or its licensors and are protected by intellectual property laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and view the Site for your own informational purposes. All rights not expressly granted are reserved.

Third-party names, logos, and marks shown on the Site, including those of payment networks, partners, and agent frameworks, belong to their respective owners. Their appearance on the Site describes compatibility or availability and does not imply that those owners endorse or sponsor Signets, unless we say so expressly.

If you send us ideas, suggestions, or other feedback about the Site or the Products, you agree that we may use it for any purpose without obligation or compensation to you.

The Site may link to websites, documentation, and services operated by third parties. We do not control them and are not responsible for their content, policies, or practices. Your use of third-party services is at your own risk and subject to their terms.

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, SIGNETS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ITS CONTENT IS ACCURATE, COMPLETE, OR CURRENT.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

TO THE FULLEST EXTENT PERMITTED BY LAW, SIGNETS AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).

These limits do not apply to liability that cannot be limited under applicable law, and they do not limit any rights you have under a Product Agreement.

To the extent permitted by law, you agree to indemnify and hold harmless Signets and its affiliates, officers, and employees from any claims, losses, and expenses, including reasonable attorneys' fees, arising out of your misuse of the Site or your violation of these Terms.

We may update these Terms from time to time. When we do, we will change the "Last updated" date above. Changes take effect when posted, and your continued use of the Site after that means you accept the updated Terms.

We may modify, suspend, or discontinue any part of the Site, or restrict your access to it, at any time and without notice, including if we believe you have violated these Terms.

These Terms are governed by the laws of the State of California, without regard to its conflict of laws rules. Any dispute arising out of or relating to the Site or these Terms will be brought exclusively in the state or federal courts located in San Francisco County, California, and you and Signets consent to their personal jurisdiction. This section does not limit any mandatory consumer protections you have under the laws of where you live.

These Terms, together with our Privacy Policy, are the entire agreement between you and Signets regarding the Site. If any provision is found unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

Questions about these Terms can be sent to: