RutoWallet is a custodial digital asset wallet and related services provided by RutoAI. This page explains, at a high level, our compliance posture and certain risks you should understand before using the Service. It is not legal or tax advice. If you need guidance for your situation, consult a qualified professional.

Laws and regulations applicable to digital assets, payments, and financial services continue to evolve. We monitor developments in Nigeria and in other jurisdictions where our services may be relevant, and we design our controls to align with applicable obligations to the extent they apply to our activities. Specific registration or licensing requirements can differ by product, channel, and region; where we are required to obtain authorizations, we work to meet those requirements.

We maintain anti-money laundering (AML) and counter-terrorist financing (CTF) controls intended to help prevent misuse of RutoWallet for illicit activity. Measures may include customer due diligence, ongoing monitoring of activity where appropriate, and escalation or reporting where we reasonably believe the law requires it.

You must not use RutoWallet in violation of sanctions, export controls, or other restrictions that apply to you. We may refuse, block, suspend, delay, or report transactions where we reasonably believe doing so is necessary to comply with sanctions or AML/CTF obligations.

We may request identification and supplementary information consistent with applicable law and our risk policies. Failure to cooperate, inaccurate information, or activity that poses unacceptable risk may result in limits on your account, suspension, or termination, as permitted under our Terms of Service.

We retain records as needed to operate the Service, evidence our compliance efforts, and meet legal and regulatory retention requirements. We may disclose information to regulators, law enforcement, or other parties when we believe in good faith that disclosure is required or permitted by law.

When we receive lawful requests from competent authorities (for example, court orders, subpoenas, or regulatory inquiries), we assess them under applicable law and our policies. We may take steps including producing limited account or transaction information where required. We may not always be able to notify you of a request where we are legally restricted from doing so.

Digital assets are volatile. Values can change rapidly, and you may lose part or all of your principal. Blockchain networks can experience congestion, forks, or failures; smart contracts and third-party protocols carry their own risks. Custodial wallets depend on operational, security, and technology controls—while we implement safeguards, no system is free from risk.

Past performance of any asset is not indicative of future results. You are responsible for your own decisions about whether and how to use RutoWallet.

RutoWallet does not provide investment, legal, or tax advice. Nothing on our website, in the app, or in this disclosure should be read as a recommendation to buy, sell, or hold any asset. You should assess your own objectives and risk tolerance before transacting.

Unless we expressly say otherwise in writing for a specific product or jurisdiction, this disclosure does not confirm or list every registration, exemption, or license that may apply to RutoAI or RutoWallet. References to compliance are descriptive and do not constitute a promise of any particular regulatory outcome.

We may update this page to reflect changes in our services, risks, or the legal landscape. The “Last Updated” date above will be revised when we make material edits. Continued use of the Service after updates may constitute acceptance as described in our Terms of Service.

For general support, contact support@rutowallet.com. For regulatory, compliance, or law-enforcement correspondence, contact legal@rutowallet.com.