Version 1.3 — Last updated: March 14, 2026
These Terms of Service ("Terms") govern your use of the BAGHOLDER mobile application ("App"). By using the App, you agree to these Terms. If you do not agree, do not use the App.
BAGHOLDER is a software automation tool that helps you set up recurring cryptocurrency purchases (round-ups and DCA) through decentralized exchange protocols. BAGHOLDER is NOT an exchange, broker, advisor, custodian, or wallet provider.
All transactions are executed through your own non-custodial embedded wallet on supported blockchain networks. We do not hold, route, custody, or process user funds at any time.
You maintain sole control of your funds through your non-custodial embedded wallet. BAGHOLDER never has access to your private keys. Your private keys are secured using advanced cryptographic techniques provided by our wallet provider. You are solely responsible for securing your device and wallet credentials.
All swap transactions are signed and submitted by your wallet. Our server facilitates payment processing only and never submits transactions on your behalf.
You must be at least 18 years old to use BAGHOLDER. By using the App, you confirm that you meet this age requirement.
BAGHOLDER is currently available in 46 U.S. states and the District of Columbia. The App is not available in New York, Connecticut, Louisiana, or Vermont due to regulatory requirements. You may not use the App if you are located in a restricted state.
You will be asked to confirm your state of residence during setup.
Round-up purchases: a 10% platform fee is applied to each purchase. This fee is deducted from the purchase amount. For example, on a $10 round-up, $9.00 goes to crypto and $1.00 is the platform fee.
DCA recurring purchases: a 5% platform fee per execution (minimum $0.50). Maximum DCA amount is $100 per execution.
Network gas fees (which vary by chain) are covered by BAGHOLDER.
One-time bank verification fee: $1.50, deducted from your first round-up purchase after linking a bank account.
Solana network account setup: Solana requires a one-time account setup of 0.002 SOL for each new token you hold. This is a Solana network requirement, not a BAGHOLDER fee. It is deducted from your purchase amount and only applies to your first purchase of each token. Solana bag purchase minimums may be higher than other chains due to these network costs. The minimum adjusts automatically based on the number of tokens and current network conditions.
There are no subscription fees, hidden fees, spread markups, or minimum balance requirements.
BAGHOLDER does not evaluate, endorse, or recommend any token. Tokens available in the app are automatically curated based on market capitalization, trading volume, and on-chain liquidity metrics. This automated process does not constitute a review of any token's legitimacy, team, or long-term viability.
Tokens may be added or removed at any time based on liquidity changes. A token's presence in the app is not an endorsement. You are solely responsible for researching any token before purchasing.
When a round-up or DCA purchase is triggered, BAGHOLDER creates a payment session via Coinbase. You confirm payment via Coinbase (debit card or Apple Pay where available). Coinbase deposits USDC directly to your wallet. Your wallet then swaps USDC for tokens through decentralized exchange protocols. All swap transactions are signed by your own wallet — BAGHOLDER never holds, routes, or processes your funds.
For a detailed breakdown, please review the “How Your Money Moves” disclosure presented during setup.
If your bank account is inactive for 30 consecutive days (no app usage), BAGHOLDER will automatically disconnect it to protect your privacy and reduce unnecessary data access. You can reconnect at any time.
Cryptocurrency is volatile. You may lose some or all of your purchase value.
Past performance does not guarantee future results.
BAGHOLDER does not provide financial, investment, tax, or legal advice. You should consult qualified professionals before making investment decisions.
Risks include but are not limited to:
Token liquidity on decentralized exchanges can change without notice. If a token in your bag becomes illiquid or unsupported:
BAGHOLDER monitors the trading liquidity of all supported tokens on decentralized exchanges. Only tokens with sufficient liquidity (adequate pool depth for trades up to $100 with minimal price impact) are available in the app.
If a token’s on-chain liquidity falls below our threshold, it may be temporarily removed from automated purchases. Your bag will pause until you replace or remove the affected token.
Token availability may change at any time based on market conditions. BAGHOLDER monitors liquidity continuously and will notify you if a token in your bag is affected.
You may not use BAGHOLDER for:
BAGHOLDER relies on third-party services and decentralized exchange protocols to provide its functionality, including but not limited to:
BAGHOLDER is not affiliated with, endorsed by, or sponsored by the developers of any third-party protocol or service.
We are not responsible for the operation, availability, or security of third-party services or protocols. Your use of third-party services is subject to their respective terms and privacy policies. Please refer to our Privacy Policy for details on which services process your data.
BAGHOLDER is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or crypto assets, arising from:
Our total liability for any claim shall not exceed the fees you paid to us in the 12 months preceding the claim.
You agree to indemnify and hold harmless BAGHOLDER and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the App or violation of these Terms.
Before filing any formal dispute, you agree to contact us and allow 30 days to resolve the issue informally. Contact us through the support option in Settings.
If the dispute is not resolved informally, it shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
SMALL CLAIMS EXCEPTION: Either party may bring a qualifying claim in small claims court instead of arbitration.
CLASS ACTION WAIVER: You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.
JURY TRIAL WAIVER: You agree to waive your right to a jury trial.
These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law principles.
You may delete your account at any time through Settings. Upon deletion, all local data is permanently erased.
Bank accounts that are inactive for 30 consecutive days are automatically disconnected. You can reconnect at any time from Settings.
We reserve the right to suspend or terminate your access if we reasonably believe you are violating these Terms or engaging in prohibited uses.
Cryptocurrency purchases are generally non-reversible once executed on the blockchain.
If a bank charge succeeds but cryptocurrency swaps fail, USDC will remain in your wallet and can be used for future purchases.
If a bank charge fails or is reversed, no cryptocurrency purchase will be executed.
You may cancel DCA recurring purchases at any time by deleting the schedule on your bag. Cancellation takes effect before the next scheduled execution. No refund is issued for previously completed purchases.
You may stop round-ups by unchecking them on your bag or disconnecting your bank account in Settings.
BAGHOLDER may be temporarily unavailable due to maintenance, updates, or circumstances beyond our reasonable control, including but not limited to internet outages, blockchain network congestion, third-party service disruptions, natural disasters, or government actions.
BAGHOLDER requires the app to be open to execute purchases. Scheduled purchases will execute the next time you open the app on or after the scheduled date.
We are not liable for any losses resulting from service unavailability or delayed execution.
The BAGHOLDER name, logo, and App design are the property of BAGHOLDER. You may not use our branding without prior written permission.
All third-party trademarks referenced in the App belong to their respective owners.
We may update these Terms from time to time. If we make material changes, you will be asked to review and accept the updated Terms before continuing to use the App.
Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions remain in full force and effect.
Entire Agreement: These Terms, together with our Privacy Policy and the "How Your Money Moves" disclosure, constitute the entire agreement between you and BAGHOLDER.
Electronic Communications: By using the App, you consent to receive communications from us electronically, including in-app notifications.
No Waiver: Our failure to enforce any provision of these Terms does not waive our right to enforce it later.
Assignment: We may assign or transfer these Terms without restriction. You may not assign your rights under these Terms.
Questions about these Terms? Contact us at:
[email protected]
getbagholder.com