Terms of Service
Last Updated: August 28, 2025
Welcome to Xspence, a Web3 fintech platform leveraging the XRP Ledger (XRPL) and Xahau ecosystems. By accessing or using our website, services, or Devnet Portal, you agree to these Terms of Service ("Terms"). If you do not agree, please refrain from using our services.
1. Use of Services
Xspence provides tools and services, including XRMine, Little_Ledger, KLAS & Lambriini, and a Devnet Portal, for interacting with XRPL and Xahau. These services are experimental and intended for users familiar with blockchain technology. You are responsible for understanding the risks of blockchain interactions, including financial loss.
2. Open-Source Nature
Xspence is an open-source project. Code samples are shared to benefit the community, and we encourage responsible use. We assume no liability for misuse, misappropriation of funds, or errors arising from the use of our code or services. Users must verify and test code before deploying in production environments.
3. Devnet Portal
Our Devnet Portal allows testing of new XRPL features. It is updated periodically to reflect the latest developments. Users must generate unique credentials for testing and avoid using personal or production keys. Storing private keys in browsers is insecure, and Xspence is not responsible for any losses resulting from such actions.
- Use the Devnet Portal for experimental purposes only.
- Exercise caution and due diligence before integrating tools into production environments.
- We do not guarantee the availability, accuracy, or security of the Devnet Portal.
4. No Liability for Losses
Xspence is not liable for any direct, indirect, incidental, or consequential damages, including loss of funds, data, or profits, arising from the use of our services, tools, or Devnet Portal. Blockchain transactions are irreversible, and users assume all risks associated with their actions.
5. Third-Party Links and Services
Our services may include links to third-party platforms (e.g., Xaman, xMerch, WhyDonate). We are not responsible for the content, security, or practices of these platforms. Review their terms and policies before use.
6. Intellectual Property
All content, code, and designs on Xspence are open-source or owned by Xspence LTD (Company No. 16306364) unless otherwise stated. You may use our open-source code under the applicable license terms, but commercial use requires explicit permission.
7. Changes to Terms
We may update these Terms periodically. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services constitutes acceptance of the revised Terms.
8. Contact
For questions about these Terms, contact us via our Contact page or at @Handy_4ndy on X.
Privacy Policy
Last Updated: August 28, 2025
Xspence LTD is committed to transparency in handling data within the XRPL and Xahau ecosystems. This Privacy Policy outlines how we collect, use, store, and share data in connection with our services.
1. Data We Collect
We primarily rely on publicly available on-chain data from XRPL and Xahau, which is inherent to blockchain transparency. Additionally, we collect minimal data for analytics purposes, including:
- Transaction Data: Details of transactions performed on our site (e.g., XRMine, Devnet Portal) to analyze usage and improve services.
- Site Activity: Page visits, clicks, and navigation patterns to enhance user experience.
- Wallet Interactions: Public wallet addresses used via tools like Xaman for blockchain interactions (no private keys are collected or stored).
2. How We Use Data
Collected data is used to:
- Monitor and improve the performance of our services (e.g., XRMine’s Engagement Rewards System, Devnet Portal functionality).
- Analyze user engagement to develop new tools and resources.
- Support open-source development by sharing anonymized, publicly available on-chain data with third parties for research or tool development.
3. Data Sharing
As on-chain data is publicly available on XRPL and Xahau, transaction data may be shared with third parties for:
- Research and development of blockchain tools.
- Community-driven projects to enhance XRPL/Xahau ecosystems.
We do not collect or share personal information beyond public blockchain data. Any analytics data is anonymized and used solely to improve our services.
4. Data Storage and Security
We store limited transaction and analytics data securely for analysis purposes. However, as most data is derived from public blockchains, we cannot control its availability or use by others. Users are responsible for securing their wallet credentials and private keys.
5. Devnet Portal Data
The Devnet Portal is for testing purposes only. Users must generate test credentials and avoid using personal keys. We do not store private keys or sensitive user data, but users assume all risks associated with portal use.
6. Cookies and Tracking
We may use cookies or similar technologies for basic analytics (e.g., page visits, session duration). You can manage cookie preferences through your browser settings.
7. Third-Party Services
Our site links to third-party services (e.g., Xaman, WhyDonate, xMerch). These platforms have their own privacy policies, which you should review. We are not responsible for their data practices.
8. Your Rights
As we primarily handle public blockchain data, no personal data is collected that requires specific user rights (e.g., GDPR data access). For questions about our data practices, contact us via our Contact page.
9. Changes to Privacy Policy
We may update this Privacy Policy periodically. Changes will be posted here with an updated "Last Updated" date. Continued use of our services constitutes acceptance of the revised policy.
10. Contact
For questions about this Privacy Policy, contact us via our Contact page or at @Handy_4ndy on X.