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SOUND HSA Terms of Service

Terms of Service

General Website & App 

Last Updated: 12/22/2025

1. AGREEMENT TO TERMS These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and SOUND HSA, Inc. ("SOUND HSA", "we", "us", or "our"), concerning your access to and use of the SOUND HSA website and mobile application (collectively, the "Platform"). By accessing the Platform, you verify that you have read, understood, and agree to be bound by all of these Terms of Use.

2. NATURE OF SERVICES SOUND HSA is a technology administrator, not a bank, investment advisor, or broker-dealer. We provide the interface that connects you to regulated third-party custodians and the open-source bitcoin network:

  • Horizon Trust Company ("HSA Custodian"): Holds your U.S. Dollars and serves as the IRS-designated trustee for custodying your Health Savings Account.
  • Digital Trust ("Digital Asset Custodian"): Holds your bitcoin assets within the HSA. 
  • Banking Disclaimer: SOUND HSA is not a bank, trustee, custodian, broker-dealer, investment adviser, or fiduciary, and does not hold, control, or have possession of user funds, digital assets, or HSA assets at any time; all U.S. dollar funds are held by Horizon Trust Company as HSA trustee and cash custodian, and all digital assets are held by one or more third-party digital asset custodians, pursuant to separate agreements between you and such custodians. You acknowledge and agree that SOUND HSA’s role is limited to providing technology and administrative services that facilitate access to these third-party custodians, that SOUND HSA does not initiate, approve, settle, or guarantee any custodial transaction, and that SOUND HSA has no responsibility or liability for the acts, omissions, insolvency, delays, errors, security failures, regulatory actions, or performance of any third-party custodian or service provider. You further acknowledge that any fiduciary, trustee, or custodial duties owed in connection with your HSA or digital assets are owed solely by the applicable custodian under its governing agreements and applicable law, that SOUND HSA does not provide tax, legal, or investment advice, and that you remain solely responsible for determining the tax treatment, eligibility, and compliance of all contributions, investments, distributions, and transactions within your HSA.

3. DESCRIPTION OF SERVICES. As of the date of these Terms of Service, SOUND provides you with the Services listed below:

(a) Facilitate the creation of health savings accounts via third party custodians. More details are provided in the HEALTH SAVINGS ACCOUNT PRODUCT TERMS provided in the HSA application.

(b) Nostr Account Creation in the Mobile App. Using our Services requires creating an Account. You can find additional information about account creation in Section 1.2 of these Terms. You can create your Account through the SOUND App. When creating your Nostr Account via SOUND, you will be assigned a cryptographic key pair, consisting of your private key (starting with “nsec”), and your public key (starting with “npub”). Your private key grants you full and exclusive control over your account on the public Nostr network.

You may only create an Account if you are an individual - the SOUND App is intended only for individuals, not entities. If you are an individual, you must (i) not be located in, or under the control of, any sanctioned or embargoed jurisdiction or a jurisdiction where our Services are restricted; and (ii) not be on U.S. or international sanctions lists, including the Office of Foreign Assets Control's SDN list, the U.S. Department of Commerce's Denied Persons List, and similar watchlists. By making an account or using the Services, you represent and warrant that you meet all of the above conditions and comply with these Terms of Service. If you stop meeting such conditions, you must immediately notify us and stop using your Account and the Services. We reserve the right to remove your SOUND Account in such a case. We also reserve the right, to reclaim, or change a username (e.g. your lightning address) you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable. Even if you meet the above conditions, we may, in our sole discretion, determine that you’re not eligible to have a SOUND Account or use the Services.

(c) Access to Apps. Through your SOUND Account, you can access the SOUND App(s) (SOUND for iOS and Android and Web) and the Services described herein. By providing your mobile phone number, you consent to receive authentication codes via SMS for account security.

(d) Access to Health Data. Through use of the SOUND App, at your election, SOUND will collect and process the following health data as selected by you: (i) data that you provide to us about your wellness goals and step counts. (“SOUND Health Data”); (ii) data that is ingested from your connected devices’ native pedometer – such as Apple’s Motion & Fitness sensors or Android’s Step Counter API – to read your step count data (also referred to herein as “SOUND Health Data”); and (iii) data that is imported, at your election from Third Party Health Services (as explained further in Section 3.2 below) (such data, “Third Party Health Data”) that integrates with our Services (such as other fitness tracking devices or apps) (SOUND Health Data and Third Party Health Data referred to, together, as “Health Data”).

Please note that your submission of Health Data or any personal data through the Services is governed by SOUND’s Privacy Policy at https://soundhsa.com/privacy.

(e) Rewards; Challenges. At your election, through the Sound App, and your submission of certain Health Data (as described in 3.1 (d) above, you have the ability to earn sats (short for “satoshis”), which is a unit of bitcoin, as a reward for certain of your health-related activities, as further described in Section 3.4 below. Please check our Site and the App(s) for detailed information about reward opportunities and challenges, including the activity required in order to be eligible to earn sats, possible rewards and other relevant terms and conditions. 

(f) Additional Services. These Terms of Service will also apply to new services or products which we will offer in the future. For example, if you are interested in creating a Health Services Account (“HSA”) through SOUND, you can enter your details on the waitlist located on our website at soundhsa.com (our “Site”). If our HSA Services becomes available, we may invite you to sign up by contacting you at the email address you provide. We work hard to keep the content on our Site up to date and accurate. However, please keep in mind that the information provided on the Site is for informational purposes only and should not be considered a binding offer or commitment to you or any third party.

By using our Services, you confirm that you have obtained and reviewed information from us about the Services of your choice, and that they meet your expectations and requirements for your intended use.

3.2 Third Party Health Data

At your election, SOUND may utilize connections to the Apple Health App (“HealthKit”), Apple CoreMotion, Google Fit, and other third-party fitness, health, and tracking applications and services including Nostr-based apps (“Third Party Health Services”) in order to gather Health Data and thereby enhance your experience with SOUND’s Services. You can choose to grant access for us to read certain health data from Third Party Health Services. Upon receiving such access, we can read information such as your activity steps and activity recordings (such data defined above as “Third Party (”). Likewise, you may elect to grant access for us to share certain activity data collected on a SOUND app (such data defined above as your “SOUND Health Data”) with Third Party Health Services as selected and specified by you. Upon receipt of such access, we can share your selected SOUND Health Data with Third Party Health Services selected and specified by you.

Use of Third Party Health Data and Third Party Health Services will be subject to the terms, conditions and privacy policy of the applicable third party provider. SOUND is not responsible for any services or data provided by such Third Party Health Services

3.3 Third Party Tools or Software; Third Party Fees. In connection with our provision of our Services, we may provide you with access to third party tools, software and services, including without limitation, the Third Party Health Services described in Section 3.2 above and the third party bitcoin lightening wallet provider as described in Section 3.5 below. SOUND does not monitor, nor does SOUND have any input or control over such third party tools, software or services. You acknowledge that we provide access to such tools “as is” and “as available” without any warranties, representations or conditions if any kind without any endorsement. We shall have no liability whatsoever arising from or relating to your use of third-party tools or services, We have no control over the content of third party services and do not have any responsibility for any material available on such third party services nor for any use of or reliance on the contents of such third party services by you. Any use by you of optional tools or services offered through the Services is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which such tools or services are provided by the relevant third-party provider(s). Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

The fact that we may link to a third party service does not mean that we endorse it or the products or services on it. In particular, where the third party service relates to your health, you should always take appropriate medical advice before using it.

You may incur fees from third parties (such as if you are using bitcoin natively within the App) in connection with your use of the SOUND Services. Please note that any such third party fees are out of our control. You are solely responsible for selecting and paying any such fee and SOUND shall not advance or fund such a fee on your behalf. SOUND is not responsible for any miscalculations of fees and will not cover any excess or insufficient fee

3.4 Ability to Earn Rewards. When you engage in certain health-related activities, you may have the right to receive sats (short for “satoshis”), which is a unit of bitcoin, from us as a reward (your “Rewards”). We do not guarantee any amount of Rewards as such Rewards are subject to adjustments, nor do we guarantee the right for you to receive Rewards at all. You acknowledge that SOUND may be subject to money transmission regulations as a result of which SOUND may be restricted from providing Rewards in certain jurisdictions. In addition, you may be required to meet identify verification requirements and comply with anti-money laundering procedures in order to receive Rewards, SOUND may elect, at its sole discretion, at any time, to cease the provision of Rewards.

In order to claim your Rewards, you will be required to provide your Bitcoin Lightning Wallet address, as further described in Section 3.5 below.

We reserve the right and retain the absolute discretion to determine and alter, from time to time, the eligible forms of movement, movement verification algorithms and amounts of verified movement that must be undertaken by users in order to be eligible to earn sats using the App (for example, we may alter the number of verified steps required to earn sats). Details of current eligibility criteria and the volumes of verified movement required to be eligible to earn sats are provided on the Site and within the FAQ section of the App. Movement verification conducted by the App is considered final and cannot be revised or reversed. Please note that we may also cap the maximum amount of stats that users of the App may be eligible to earn during a day or longer period of time, as applicable, using the App.

You are solely responsible for reporting Rewards in the form of bitcoin as income and paying applicable taxes. 

3.5 Using your Bitcoin Lightning Wallet. In order to earn Sats in connection with your use of the Services, you will need to have in place a Bitcoin Lightning Wallet -- a specialized digital wallet that allows you to interact with the Lightning Network, a “layer 2” payment protocol built on top of the Bitcoin blockchain. In order for us to transfer the Sats to your wallet, you will need to provide SOUND with your Bitcoin Lightning Wallet address. 

Option 1 - Bring your Own Lightning Address: When you earn the Sats in connection with your use of the Services, we will deposit the Sats in your Bitcoin Lightning Wallet, using the address you provide to us. By using your Bitcoin Lightning Wallet to receive Sats from us, you agree to be bound by these Terms, as well as the relevant terms of service of the relevant bitcoin lightning wallet provider, as applicable. If you fail to connect your SOUND Account with a bitcoin lightning wallet, you will be unable to receive any transfers from us.

The functionality that allows you to access and utilize a bitcoin lightning wallet may be rendered by a third party lightning service provider. To the extent a third party provides such services, By using such third party services and products you enter into a contractual relationship with the applicable lightning service provider. You are solely responsible for paying any fees for such services and for abiding by the relevant terms you agree to with such a third party provider. In any case SOUND cannot be held liable by you for any issues arising from the use of lightning service providers including impaired payment routing, high routing fees, or unwanted channel closures and will not reimburse any fees or costs associated with these services.

Option 2 - Utilize the SOUND HSA self-custodial lightning wallet: SOUND HSA provides a self-custodial bitcoin lightning wallet in the Wallet tab of the mobile application for those who decide to generate a wallet. By clicking the button you will generate entropy to create a new bitcoin lightning wallet that you control, facilitated by the Breez SDK Spark implementation. SOUND HSA cannot recover your wallet if you lose your seed phrase. You will receive a 24 word seed phrase and it is your responsibility to maintain this seed phrase. SOUND DOES NOT have the ability to see your bitcoin balance or move funds. If a user loses their 24-word seed phrase, their assets are irretrievable.

4. INTELLECTUAL PROPERTY RIGHTS Unless otherwise indicated, the Platform is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Platform (collectively, the "Content") are owned or controlled by us and are protected by copyright and trademark laws.

  • Limited License: You are granted a limited license to access and use the Platform for your personal, non-commercial use.

5. USER REPRESENTATIONS By using the Platform, you represent and warrant that:

  • You have the legal capacity and you agree to comply with these Terms of Use.
  • You are at least 18 years of age.
  • You will not access the Platform through automated or non-human means, whether through a bot, script, or otherwise.
  • You will not use the Platform for any illegal or unauthorized purpose.

6. PROHIBITED ACTIVITIES You may not access or use the Platform for any purpose other than that for which we make the Platform available. Prohibited activities include:

  • Systematically retrieving data or other content from the Platform to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
  • Using any information obtained from the Platform in order to harass, abuse, or harm another person.
  • Attempting to bypass any measures of the Platform designed to prevent or restrict access to the Platform.
  • Deciphering, decompiling, disassembling, or reverse engineering any of the software comprising or in any way making up a part of the Platform.

7. INDEMNIFICATION You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your use of the Platform; (2) breach of these Terms of Use; (3) any overt harmful act toward any other user of the Platform; or (4) your violation of any tax or HSA regulations.

8. DISCLAIMER OF WARRANTIES THE PLATFORM IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE PLATFORM AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE PLATFORM AND YOUR USE THEREOF.

9. LIMITATION OF LIABILITY IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE PLATFORM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9. APPLE AND ANDROID DEVICES The following terms apply when you use the Platform obtained from either the Apple Store or Google Play:

  • You acknowledge that these Terms of Use are concluded between you and SOUND HSA only, and not with Apple Inc. or Google Inc.
  • You must comply with applicable third-party terms of agreement when using the App (e.g., your wireless data service agreement).

10. GOVERNING LAW & DISPUTE RESOLUTION These Terms shall be governed by and defined following the laws of the State of Delaware. You and SOUND HSA agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, or your relationship with SOUND HSA (collectively, “Disputes”) shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Consumer Arbitration Rules, except that either party may bring an individual claim in small claims court if it qualifies and remains on an individual basis, and SOUND HSA may seek injunctive or equitable relief to protect its intellectual property rights. Arbitration shall take place in the county of your residence (or remotely, at your election), before a neutral arbitrator who is a licensed attorney or retired judge; SOUND HSA will pay all AAA filing, administrative, and arbitrator fees unless the arbitrator determines the claim is frivolous or brought in bad faith, and each party will bear its own attorneys’ fees unless otherwise awarded under applicable law. The arbitrator shall have exclusive authority to resolve all Disputes, including issues of arbitrability, and may award any relief available under applicable law, but may not consolidate claims or award relief on a class, collective, or representative basis; YOU AND SOUND HSA AGREE THAT ALL DISPUTES MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY ONLY, and any claim seeking class or representative relief shall proceed in a court of competent jurisdiction solely to determine the enforceability of this waiver. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by sending written notice identifying yourself and your account to SOUND HSA at [opt-out address], and this arbitration agreement shall be governed by the Federal Arbitration Act, with Delaware law applying where not preempted, and shall survive termination of these Terms.

10. LIMITATIONS OF THE SERVICE; NO MEDICAL ADVICE 

The Service is provided for general information and entertainment purposes only. It does not offer advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of information obtained from the App. Although we make reasonable efforts to update the information provided by the App, we make no representations, warranties or guarantees, whether express or implied, that such information is accurate, complete or up to date.

The Service does not contain or constitute, and should not be interpreted as, any form of medical advice or opinion, diagnosis or treatment, and should never be used as a substitute for medical or emergency care. Your use of the Service does not create a doctor-patient relationship between you and SOUND. 

If you have a medical or mental health emergency, or are taking actions that may cause harm to you or to others, you should seek emergency treatment at the nearest emergency room or call an emergency help line. 

We are not licensed medical professionals, and we are not in the business of providing medical advice or in the practice of medicine. You should always consult a qualified medical professional prior to beginning or modifying any diet or exercise program, and only your medical professional can determine the right course of treatment for you and determine what is safe, appropriate and effective based on your needs.

11. NO TAX, LEGAL, FINANCIAL OR INVESTMENT ADVICE

You should not interpret any content provided by the Services as tax, legal, financial, crypto-assets or investment advice. We have no special relationship with or fiduciary duty to you and your use of the Services does not create such a relationship. You agree and acknowledge that you are solely responsible for conducting legal, accounting and other due diligence review on the information posted by the Services.

12. SANCTIONS COMPLIANCE; PROHIBITED JURISDICTIONS

SOUND is committed to complying with all applicable U.S. and international sanctions laws and regulations. By using our Services, you represent, warrant, and covenant that: (a) You are not located in, organized under the laws of, or a resident of any country or territory subject to comprehensive U.S. sanctions or embargoes; (b) You are not identified on any U.S. government restricted or prohibited party list, including OFAC's SDN List, the Bureau of Industry and Security's Denied Persons List, Entity List, or Unverified List, or the State Department's Debarred Parties List; (c) You will not use our Services to facilitate any transaction involving any person or entity subject to U.S. or applicable international sanctions; (d) You have not been designated as a "terrorist organization" by any government authority; and (e) You are not acting on behalf of any sanctioned person or entity.

Our Services are not available in the following jurisdictions, and residents of these jurisdictions are prohibited from using our Services: (i) all jurisdictions subject to comprehensive U.S. sanctions programs; (ii) any jurisdiction where cryptocurrency activities are prohibited by local law; and (iii) any jurisdiction where SOUND determines, in its sole discretion, that offering Services would be illegal or create unacceptable regulatory risk.

SOUND reserves the right to: (a) monitor transactions and user activity for sanctions compliance; (b) freeze accounts and block transactions involving sanctioned parties; (c) report suspicious activities to relevant authorities; (d) terminate accounts of users who violate these restrictions; and (e) cooperate fully with law enforcement and regulatory investigations.

These restrictions may be updated from time to time based on changes in applicable law or SOUND's risk assessment. Continued use of the Services constitutes acceptance of any such updates. You agree to indemnify and hold harmless SOUND from any losses, damages, or penalties arising from your violation of any sanctions laws or these geographic restrictions.

13. CHANGES TO AGREEMENT OR SERVICES 

SOUND reserves the right at any time in its absolute discretion to discontinue or change all or any part of the Service,  with or without notice to you. 

From time to time we may update these Terms of Service (including the Privacy Policy) or make available additional terms or guidance in relation to the usage of the Service and, where we do this, you agree to comply with the updated Terms of Service (including any updates to the Privacy Policy), and such additional terms or guidance that we make available. We may also deliver a notice about the updates through the Site or potentially through other communication(s) deemed appropriate by us. It is important that you review these Terms on the Site and/or the App regularly for updates, including when you use the Services. If you continue to use the Services after we have posted updated Terms, you are agreeing to be bound by the updated Terms.

We may also issue updates to the App(s) from time to time. Depending upon the nature of the update, you may not be able to continue to use the App until you have downloaded the latest version of the App.

14. CONTACT US

If you would like to contact us, including with any feedback, questions, complaints or claims about the Service, please contact us via support@soundhsa.com. 

15. GENERAL TERMS 

These Terms of Service, the terms of our Privacy Policy, and any additional provisions and conditions provided to you for your use of the Services (the “Policies”), constitute the entirety of your agreement and understanding in connection with the Services. Our failure to exercise or enforce any right or provision of these Terms will not operate as a waiver of such right or provision. These Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We will not be responsible or liable for any loss, damage, delay, or failure to act as a result of any act or event which occurs and is beyond our reasonable control, including, without limitation, acts of God, war, unrest or riot, strikes, any action of a governmental entity, weather, quarantine, fire, flood, earthquake, explosion, utility or telecommunications outages, Internet disturbance, epidemic, pandemic or any unforeseen change in circumstances, or any other causes beyond our reasonable control. If any provision or part of a provision of these Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and SOUND as a result of these Terms. You hereby waive any and all defenses you may have based on the electronic form of these Terms and the lack of signing by the parties hereto to execute these Terms. Using the Site, the App(s) and the Services via Internet may involve the cost of connection to the Internet (data transfer fee) per the package of your service provider. These Terms shall be governed by and in accordance with the laws of the State of Delaware, in the United States of America.

16. ACCEPTANCE OF THESE TERMS OF SERVICE 

By using the SOUND HSA Platform, you acknowledge that you have read, understood, and agree to be bound by all of the above Terms of Service. If you do not agree to these Terms, you may not use our Services.