Terms of Service

Last updated April 19, 2026 · Effective April 7, 2026 · This document also serves as our End User License Agreement (EULA), Community Guidelines, and DMCA / copyright policy.

These Terms of Service (the "Terms") are a binding agreement between you and UmbrellaX TOO, a limited liability partnership registered in the Republic of Kazakhstan under BIN 260440006927, with its registered office at ul. Zheltoksan, d. 1/6, korpus 3, kv. 13, 090000 Uralsk, Kazakhstan. Throughout this document we refer to UmbrellaX TOO as "Umbrella X", "we", "us", or "our", and to the messenger application and the website at umbrellax.io together as the "Service". We refer to you as "you" or "the user". Please read these Terms carefully. If you do not agree with any part of them, do not use the Service.

1. Acceptance of these Terms

By downloading, installing, opening, or otherwise using Umbrella X you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you are using the Service on behalf of an organisation, you represent that you have authority to bind that organisation, and "you" in these Terms refers to both you personally and that organisation. If you do not accept these Terms, you must stop using the Service and uninstall the app.

This document also serves as the End User License Agreement (EULA) for the Umbrella X application. A shorter standalone version, which contains only the Apple App Store addendum and the core license grant, is published at umbrellax.io/eula for the convenience of App Store reviewers and lawyers who want a dedicated EULA URL. In case of any inconsistency between the two, these Terms prevail, except that the Apple App Store addendum in Section 16 always governs the relationship between you, us, and Apple for downloads from the App Store.

2. Eligibility

You must be at least 13 years old to create an account and use the Service. If you live in the European Union, the European Economic Area, or the United Kingdom, the minimum age is 16, unless your country of residence has set a lower digital-consent age under Article 8 of the GDPR, in which case that lower age applies. If you are under the age of majority in your jurisdiction, you may only use the Service with the involvement and consent of a parent or legal guardian.

You must not use the Service if you are barred from doing so under the laws of the Republic of Kazakhstan or the laws of your country of residence, or if you are on any sanctions list maintained by the United Nations, the European Union, the United Kingdom, or the United States.

3. License to use the Service

Subject to your continued compliance with these Terms, Umbrella X grants you a personal, non-exclusive, non-transferable, non-sublicensable, revocable, royalty-free license to install and use the Umbrella X application on devices you own or control, and to access the Service for your own personal, non-commercial communication. This license lets you do what a normal messenger user does: send and receive messages, create chats and groups, customise your profile, and use the features we build into the app.

All rights not expressly granted in these Terms are reserved by Umbrella X. The Service, including all software, source code, compiled binaries, interface design, icons, logos, trade marks, and written content, is owned by Umbrella X or its licensors and is protected by the intellectual property laws of the Republic of Kazakhstan and by international copyright treaties. Nothing in these Terms transfers any ownership to you.

4. Your account

To use Umbrella X you register an account, which is identified by a cryptographic key pair the app generates on your device at first launch. The private key never leaves the device; the matching public key is what we store and what other users use to verify messages come from you. You do not need to provide a phone number, email, real name, or identity documents to create the account — it is anonymous by design. A phone number may be attached later as an optional add-on for contact discovery, but it is never a login credential, and we store only a one-way cryptographic fingerprint of it derived through our Sealed Servers — not the number itself (see Privacy Policy section 2.5). Your display name, avatar, and bio are stored end-to-end encrypted on our server; only your mutually-added contacts can see them unless you explicitly enable "Public profile" mode.

As part of sign-up, the app shows you a 24-word recovery phrase (BIP-39 standard). This phrase is the only way to restore your account on a different device or after a wipe. We do not see it, we do not store it, and we cannot reset it for you. You are responsible for:

1. Safekeeping your 24-word recovery phrase. Anyone who has the phrase can restore your account. Write it down, store it offline, do not share it. If you lose the phrase and also lose the device, the account is permanently unrecoverable — this is the honest consequence of a system that cannot impersonate its users.
2. Keeping your device secure. The private key lives in the operating system keystore (iOS Keychain, Android Keystore, or WebAuthn/Passkey on the web), protected by your device biometric or passcode. If someone gains access to your unlocked device, they can use the app as you. We recommend a strong device passcode, biometric unlock, and the app's own screen lock where available.
3. Anything that happens on your account, whether or not you authorised it, until you report a compromise to us at security@umbrellax.io. Because we cannot verify identity independently of the key, a compromised key means a compromised account.
4. Providing accurate information when we ask for it in connection with a security or abuse investigation that concerns your account.

If you believe your account has been compromised (for example, your recovery phrase was leaked or your unlocked device was used by someone else), contact security@umbrellax.io immediately. You can also revoke access to all other logged-in sessions from inside the app under Settings → Privacy and Security → Active Sessions. If you attached a phone number to your account, you may also use an SMS-based deletion path described on the Account Deletion page as a secondary recovery option.

5. Acceptable use

Umbrella X is a communication tool. You may use it for any lawful purpose, but there are limits. The list below is exhaustive in spirit, even where the wording is general. Sections 5.1 and 5.2 explain how we enforce these rules and how to appeal a decision. You must not:

1. Use the Service to send, store, or facilitate child sexual abuse material (CSAM), content that sexually exploits or endangers minors, or any content that promotes, glorifies, or incites terrorism, violent extremism, or mass violence. There is no grey area, no artistic defence, and no private context where this is acceptable. This applies to real, AI-generated, drawn, or otherwise synthetic depictions of minors. Violations of this paragraph result in immediate permanent termination and the perceptual hash of the content is stored to prevent re-uploads. A report to the National Center for Missing and Exploited Children (NCMEC) is filed only at the explicit request of the victim or their legal representative. We do not perform automated reporting, because doing so would conflict with the privacy commitments we have made to all our users.
2. Harass, threaten, stalk, or impersonate another user, or engage in hate speech targeting protected characteristics such as race, ethnicity, national origin, religion, caste, gender, gender identity, sexual orientation, disability, or age.
3. Share, threaten to share, or solicit non-consensual intimate imagery, including so-called revenge porn, voyeur images, and sexual deepfakes of real people.
4. Publish the private information of other people without their consent (doxxing), including home addresses, phone numbers, workplaces, identity documents, or financial records.
5. Use the Service to conduct, promote, or facilitate illegal activity, including the sale of controlled drugs, prescription medications without a prescription, firearms and ammunition, explosives, stolen credentials, counterfeit goods, human trafficking, organ trade, or wildlife protected by CITES.
6. Distribute malware, ransomware, spyware, stalkerware, rootkits, phishing links, or any tools or content designed to compromise the security or privacy of other users or to deceive them into disclosing credentials or transferring funds.
7. Send unsolicited bulk messaging (spam), chain messages, or automated mass broadcasts. Add people to group chats they did not ask to join for the purpose of broadcasting to them.
8. Impersonate another person, brand, company, public figure, or institution in order to deceive other users, or run romance, investment, fake-support, or fake-delivery scams.
9. Attempt to reverse engineer, decompile, disassemble, or otherwise derive source code from the client application, except to the extent that applicable law expressly permits such activity despite this restriction.
10. Circumvent, disable, or interfere with security features, rate limits, content reporting tools, or other protective measures of the Service. Probe for vulnerabilities with the intent to exploit them. Run denial-of-service attacks against our infrastructure.
11. Scrape, harvest, or collect data from the Service, whether manually or through automated means, including by enumerating phone numbers or operating bot networks of fake accounts. Security research carried out in good faith and reported responsibly is different and welcome at security@umbrellax.io.
12. Evade a ban or suspension by creating a new account, rotating phone numbers, or generating a fresh cryptographic key. We will enforce the original decision against the new account. Abuse the reporting system by filing mass false reports to harass other users or to get legitimate accounts suspended.
13. Use the Service to violate the intellectual property rights, privacy rights, or other legal rights of any third party. Copyright complaints are handled under Section 15.
14. Resell, sublicense, rent, or commercially redistribute access to the Service.

5.1 Enforcement

When we find a violation, through a user report or through our own review, we choose an action proportional to the severity and the history of the account. The options we have are:

1. Warning. For minor first offences, we may send a warning explaining what rule was broken and what will happen if it recurs. No restriction on the account.
2. Feature restriction. A narrower action where we remove the ability to do a specific thing (for example, create new groups, or contact people who do not already have you in their address book) without freezing the whole account.
3. Temporary suspension. A time-limited block on the account, from 24 hours to 30 days. The user cannot send messages, create chats, or use core features during the suspension.
4. Permanent ban. The account (public key + username) is disabled. If a phone number was attached, its hash is added to a banned-hash list so it cannot be re-attached to a new account. Device attestation records of the banned device are also added to the ban list. Used for severe violations, for repeat violations after warning and suspension, and for categories we treat as zero-tolerance.

For child sexual abuse material the action is always an immediate permanent ban with no warning, and the account is reported to the National Center for Missing and Exploited Children and to the Kazakhstan authorities responsible for crimes against minors. We preserve the minimum data required by law to support that report and no more. For terrorism, incitement to mass violence, and credible threats of imminent physical harm we also act immediately and cooperate with the relevant authorities on lawful request.

5.2 Appeals

If you believe a decision against your account was wrong, you can appeal. Write to appeals@umbrellax.io within 14 days of the action. Include the phone number associated with the account, the approximate date and time of the action, and a brief explanation of why you believe the decision was mistaken. We aim to respond to appeals within 7 days. If we agree the action was wrong, we reverse it and restore the account. If we do not agree, we tell you why. Appeals are not available for permanent bans related to child sexual abuse material or for accounts banned as a result of a lawful order from a competent authority.

6. Your content

Umbrella X is end-to-end encrypted. The content of your messages and media is encrypted on your device with MLS (Messaging Layer Security, IETF RFC 9420) and can be decrypted only by the intended recipients. We cannot read your messages, and we do not claim ownership of anything you send.

6.1 Ownership

You retain all intellectual property rights in the content you create and send through the Service ("Your Content"). Nothing in these Terms transfers ownership of Your Content to Umbrella X.

6.2 Limited license to operate the Service

To deliver your messages to the people you send them to, we need a narrow technical license. You grant Umbrella X a worldwide, non-exclusive, royalty-free license to host, store, transmit, display, and deliver Your Content solely to the extent necessary to operate and provide the Service to you and the recipients you choose. This license is limited to what the Service technically requires: for example, ciphertext passes through our servers on the way to a recipient. The license ends when Your Content is delivered, when you delete it from your device, or when you delete your account, whichever happens first. We do not use Your Content to train machine learning models, to target advertising, or for any purpose other than delivering the Service to you.

6.3 Your responsibility for Your Content

You are solely responsible for the content you send through Umbrella X. You represent and warrant that you have the right to send it, that it does not violate the rights of any third party, and that it complies with these Terms and applicable law. Because the Service is end-to-end encrypted, we generally cannot see the content of messages and therefore cannot proactively moderate it; moderation happens through the user reporting mechanism described in Section 6.4 below.

6.4 Reporting and moderation tools

To make Umbrella X usable as a safer messenger we provide four independent tools to every user. A content filter places messages from people not in your contacts in a quieter inbox by default and blurs profile photos from unknown senders; you can tighten these settings further in Settings → Privacy. An in-app reporting flow (long-press a message → Report → choose a category → optional comment → submit) sends the flagged item to a human reviewer on our Trust & Safety team. The ability to block any user instantly from their profile or any message they sent: blocked users cannot send you messages, see your online status, or create new chats with you, and they are not told that you blocked them. Published contact addresses for human review of off-app reports: abuse@umbrellax.io for abuse, appeals@umbrellax.io for appeals, and support@umbrellax.io for everything else.

Reports are categorised as spam, harassment or abuse, illegal content, child sexual abuse material, impersonation or scam, or other. Every report is acknowledged within 24 hours and routine reports are decided within 7 calendar days. Reports involving child sexual abuse material are reviewed 24 hours a day, 7 days a week, with action typically taken within hours: the content is deleted from our servers, the offender is permanently banned, and the perceptual hash of the content is stored to prevent re-uploads. A report to the National Center for Missing and Exploited Children (NCMEC) is filed only at the explicit request of the victim or their legal representative — we do not perform automated reporting, because that would conflict with the privacy commitments we have made to all our users. Credible threats of imminent physical harm are also treated as urgent and reviewed around the clock. After we reach a decision we notify the reporter, within the limits of what we are allowed to share about another user's account. Tools available to our moderators include warnings, feature restrictions, account suspensions, message removal on surfaces we control (profile fields, public group descriptions, stored media), permanent bans, ban-evasion detection across phone fingerprints and device-authenticity proofs, and rate limiting on the reporting system itself to prevent coordinated abuse of it. Reports can only be acted on while the reported content still exists on the reporter's device — our servers do not retain copies after delivery, so the evidence travels with the report.

Because message content is end-to-end encrypted, there are things we cannot do, no matter how much we might want to. We cannot read the content of past messages that were not reported to us with a copy attached. We cannot retroactively remove a message from a device we do not control. We cannot decrypt backups that were made with a user-chosen passphrase we do not hold. Honest limits are better than dishonest promises.

7. Third-party services and links

The Service may include links to, or interoperate with, third-party websites, applications, or services (for example, Apple Push Notification Service for iOS notifications, Firebase Cloud Messaging for Android notifications, or an external webpage opened from a link in a chat). We do not control those third parties and we are not responsible for their content, privacy practices, or terms. Your use of any third-party service is governed by that third party's terms and privacy policy, not ours.

8. Termination

You may stop using the Service and delete your account at any time from inside the app under Settings → Account → Delete Account or by following the steps on our Account Deletion page. On deletion we purge your account immediately — no tombstone, no recovery window — and cascade a delete-my-conversation command to your contacts' apps. We cannot remove copies of your messages saved as screenshots or backed up to a contact's iCloud or Google account; those are outside our control and we say so plainly.

We may suspend or terminate your access to the Service, with or without notice, if we reasonably believe you have violated these Terms or applicable law, or if we are required to do so by law or a valid legal process. For minor first-time violations we will usually warn first; for severe violations, and for all violations involving CSAM, terrorism, or content that endangers minors, we will terminate immediately and without warning. The procedure for appealing a termination is described in Section 5.2.

The following sections survive termination: Section 6.3 (your responsibility for Your Content), Section 9 (disclaimer of warranties), Section 10 (limitation of liability), Section 11 (indemnification), Section 12 (governing law), Section 13 (dispute resolution), Section 15 (copyright and DMCA), Section 16 (Apple addendum, to the extent applicable), and Section 19 (entire agreement).

9. Disclaimer of warranties

To the maximum extent permitted by applicable law, the Service is provided "as is" and "as available", with all faults and without warranty of any kind. Umbrella X and its officers, directors, employees, and agents disclaim all warranties, express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising out of course of dealing or usage of trade.

We do not warrant that the Service will be uninterrupted, timely, secure, or error-free; that defects will be corrected; or that the Service or the servers that make it available are free of viruses or other harmful components. You use the Service at your own risk. No advice or information, whether oral or written, obtained from Umbrella X or through the Service creates any warranty not expressly stated in these Terms. Some jurisdictions do not allow the exclusion of implied warranties, so some of the exclusions above may not apply to you.

10. Limitation of liability

To the maximum extent permitted by applicable law, neither Umbrella X nor its officers, directors, employees, agents, suppliers, or licensors will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or in connection with your use of or inability to use the Service, even if Umbrella X has been advised of the possibility of such damages.

To the maximum extent permitted by applicable law, the total aggregate liability of Umbrella X arising out of or in connection with these Terms or the Service is limited to the greater of (a) the total amount of fees you have paid to Umbrella X in the twelve months preceding the event giving rise to the claim, or (b) one hundred United States dollars (USD 100). The Service is currently provided free of charge, so in most cases (a) will be zero.

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited, including liability for gross negligence, wilful misconduct, death or personal injury caused by negligence, or fraudulent misrepresentation. Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, our liability is limited to the minimum extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless Umbrella X and its officers, directors, employees, agents, suppliers, and licensors from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with (i) Your Content, (ii) your use or misuse of the Service, (iii) your breach of these Terms or any applicable law, or (iv) your violation of any rights of a third party. We reserve the right, at our own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defence of that claim.

12. Governing law

These Terms and any dispute arising out of or related to them or the Service are governed by the laws of the Republic of Kazakhstan, without regard to its conflict-of-law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply. If you are a consumer resident in the European Union, the European Economic Area, or the United Kingdom, this choice of law does not deprive you of the protection afforded to you by the mandatory provisions of the consumer protection law of your country of residence.

13. Dispute resolution

Before filing any formal claim, please contact us at legal@umbrellax.io and describe the issue. We will try in good faith to resolve the matter informally within 30 days.

If informal resolution fails, any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be submitted to the courts of the city of Oral, West Kazakhstan Region, Republic of Kazakhstan, which shall have exclusive jurisdiction, except where mandatory consumer protection law in your country of residence gives you the right to bring proceedings in a court closer to home, in which case that right is preserved.

You agree that any dispute resolution proceedings will be conducted on an individual basis and not in a class, consolidated, or representative action, to the maximum extent permitted by applicable law.

14. Export control and sanctions

The Umbrella X application contains cryptographic software and may be subject to export control laws. You agree that you will not use, export, re-export, or transfer the Service in violation of any applicable export control or sanctions laws, including those administered by the United Nations, the European Union, the United Kingdom, the United States, and the Republic of Kazakhstan. You represent and warrant that you are not located in, under the control of, or a national or resident of any country subject to a comprehensive embargo by the aforementioned authorities, and that you are not on any list of denied, blocked, or specially designated persons.

15. Copyright and DMCA

Umbrella X respects the intellectual property rights of others and expects users to do the same. We comply with the United States Digital Millennium Copyright Act (17 U.S.C. § 512, the "DMCA") and with analogous laws in the European Union, the United Kingdom, the Republic of Kazakhstan, and other jurisdictions where the Service is used. This section sets out how copyright holders can report infringing material that we can actually see, and how users whose content was removed can file a counter-notice.

This procedure applies to material that is publicly accessible: content on our website, profile photos, display names, bios, and any other surface we can inspect without breaking end-to-end encryption. The content of private messages between users is end-to-end encrypted with MLS (Messaging Layer Security, IETF RFC 9420); we do not hold the keys and we cannot inspect message content even under legal process. For in-message infringement we cannot remove the specific message but we can act on the account itself under the repeat infringer policy below. This is the same posture every reputable end-to-end encrypted messenger takes, and it is a direct consequence of the cryptographic guarantee that no one but the two participants of a chat can read their conversation.

Designated Agent for DMCA notices: UmbrellaX DMCA Agent, email dmca@umbrellax.io. Postal address: UmbrellaX TOO, Attn: DMCA Agent, ul. Zheltoksan, d. 1/6, korpus 3, kv. 13, 090000 Uralsk, Kazakhstan. Email is strongly preferred because it is faster.

To file a takedown notice, send a written notice to the Designated Agent including the six elements required by 17 U.S.C. § 512(c)(3): (i) a physical or electronic signature of a person authorised to act on behalf of the owner of the exclusive right that is allegedly infringed; (ii) identification of the copyrighted work claimed to have been infringed; (iii) identification of the material claimed to be infringing and information sufficient to permit us to locate it (a URL on umbrellax.io, the username of the account, or the phone number associated with the account); (iv) information reasonably sufficient to permit us to contact the complaining party (full legal name, mailing address, telephone number, and email); (v) a statement that the complaining party has a good faith belief that use of the material is not authorised by the copyright owner, its agent, or the law; (vi) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorised to act on behalf of the owner. We acknowledge complete notices within two business days. Where the notice is valid and the material is on a surface we control, we act on it within seven days of receipt and notify the user whose content was affected.

If your content was removed and you believe the removal was a mistake, you may file a counter-notice under 17 U.S.C. § 512(g). Send it to the Designated Agent at the same address with: (i) your physical or electronic signature; (ii) identification of the material that was removed and where it appeared before removal; (iii) a statement under penalty of perjury that you have a good faith belief the material was removed as a result of mistake or misidentification; (iv) your name, address, and telephone number, and a statement that you consent to the jurisdiction of the United States Federal District Court for the district where you are located, or, if outside the United States, of any judicial district in which we may be found, and that you will accept service of process from the person who provided the takedown notice. Users in Kazakhstan may alternatively consent to the jurisdiction of the courts of Oral, West Kazakhstan Region. If we receive a valid counter-notice we forward it to the original complaining party and inform them that we will restore the material in not less than 10 and not more than 14 business days, unless the complaining party first notifies us that they have filed a court action against the user.

Repeat infringer policy: we maintain a policy of terminating, in appropriate circumstances, the accounts of users who are repeat infringers. An account that receives two or more valid, uncontested DMCA takedowns (or equivalent under another jurisdiction's law) within a rolling 12-month period is suspended pending review; a third valid takedown within the same window results in permanent termination. We also terminate at any time, without waiting to accumulate strikes, accounts clearly used primarily to distribute infringing material or operated by bad-faith repeat offenders. We keep records of takedown notices we receive and actions we take, so that we can apply this policy consistently across an account's lifetime even if the account has rotated phone numbers or display names. Filing a notice that contains false statements may subject you to liability under 17 U.S.C. § 512(f); we reserve the right to recover our costs from complainants who repeatedly submit bad-faith notices and to suspend their ability to use this process. For trademark disputes, publicity rights, defamation, or other non-copyright concerns, write to legal@umbrellax.io.

16. Apple App Store Addendum

This Section 16 applies only if you downloaded or use the Umbrella X application from the Apple App Store. In the event of any inconsistency between this Section and the rest of these Terms, this Section governs with respect to the relationship between you, Umbrella X, and Apple Inc. ("Apple") concerning the Apple-distributed version of the app.

1. Agreement between you and Umbrella X. You acknowledge that these Terms are concluded between you and Umbrella X only, and not with Apple. Umbrella X, not Apple, is solely responsible for the Umbrella X application and its content.
2. Scope of license. The license granted to you for the Apple-distributed version of Umbrella X is a non-transferable licence to use the app on any Apple-branded products that you own or control, and as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions, except that the app may be accessed and used by other accounts associated with the purchaser via Family Sharing or volume purchasing.
3. Maintenance and support. Umbrella X is solely responsible for providing any maintenance and support services with respect to the Apple-distributed version of the app, as specified in these Terms or as required under applicable law. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the app.
4. Warranty. Umbrella X is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the app to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the app to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the app, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be the sole responsibility of Umbrella X.
5. Product claims. You and Umbrella X acknowledge that Umbrella X, not Apple, is responsible for addressing any claims by you or any third party relating to the app or your possession and use of the app, including but not limited to (i) product liability claims, (ii) any claim that the app fails to conform to any applicable legal or regulatory requirement, and (iii) claims arising under consumer protection, privacy, or similar legislation, including in connection with the app's use of the HealthKit and HomeKit frameworks (which Umbrella X does not use).
6. Intellectual property rights. In the event of any third-party claim that the app or your possession and use of the app infringes that third party's intellectual property rights, Umbrella X, not Apple, will be solely responsible for the investigation, defence, settlement, and discharge of any such intellectual property infringement claim, to the extent required by these Terms.
7. Legal compliance. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country, and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
8. Developer contact information. Direct any questions, complaints, or claims to: UmbrellaX TOO, ul. Zheltoksan, d. 1/6, korpus 3, kv. 13, 090000 Uralsk, Kazakhstan. Email: legal@umbrellax.io.
9. Third-party terms of agreement. You must comply with applicable third-party terms of agreement when using the app.
10. Third-party beneficiary. You and Umbrella X acknowledge and agree that Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

17. Changes to these Terms

We may update these Terms from time to time. If we make changes that materially affect your rights or obligations, we will notify you at least 30 days before the changes take effect, through an in-app notice, a post on umbrellax.io, or both. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree with the changes, you must stop using the Service and delete your account before the effective date. Older versions of these Terms are kept on file and are available on request from legal@umbrellax.io.

18. Severability and no waiver

If any provision of these Terms is held to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions of these Terms remain in full force and effect. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision, and no waiver is effective unless it is in writing and signed by an authorised representative of Umbrella X.

19. Entire agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Umbrella X regarding the Service and supersede any prior agreements between you and Umbrella X relating to the Service. Section headings are for convenience only and have no legal effect. You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent; any attempt to do so without consent is void. Umbrella X may assign these Terms without restriction, including in connection with a merger, acquisition, corporate reorganisation, or sale of assets.

20. Contact

For questions about these Terms or the Service, contact us at:

1. Legal and contractual matters: legal@umbrellax.io
2. General support: support@umbrellax.io
3. Abuse reports: abuse@umbrellax.io
4. Security disclosures: security@umbrellax.io
5. Termination appeals: appeals@umbrellax.io
6. DMCA notices: dmca@umbrellax.io
7. Postal address: UmbrellaX TOO, ul. Zheltoksan, d. 1/6, korpus 3, kv. 13, 090000 Uralsk, Kazakhstan.

Thank you for using Umbrella X.