General Website & App
Last Updated: 12/22/2025
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.
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:
Users acknowledge that SOUND HSA’s role is limited to providing technology and administrative services facilitating access to third-party custodians. SOUND HSA does not initiate, approve, settle, or guarantee any custodial transaction and 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.
Users further acknowledge that any fiduciary, trustee, or custodial duties owed in connection with their HSA or digital assets are owed solely by the applicable custodian under its governing agreements and applicable law. SOUND HSA does not provide tax, legal, or investment advice, and users remain solely responsible for determining the tax treatment, eligibility, and compliance of all contributions, investments, distributions, and transactions within their HSA.
As of the date of these Terms of Service, SOUND provides the following Services:
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.
Using the Services requires creating an Account. 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.
Account Creation Requirements:
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:
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 SOUND HSA and stop using your Account and the Services. SOUND HSA reserves the right to remove your SOUND Account in such a case.
SOUND HSA also reserves the right to reclaim or change a username (e.g., your lightning address) if SOUND HSA determines, in its sole discretion, that such username is inappropriate, obscene, or otherwise objectionable. Even if you meet the above conditions, SOUND HSA may, in its sole discretion, determine that you’re not eligible to have a SOUND Account or use the Services.
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.
Through use of the SOUND App, at your election, SOUND will collect and process the following health data as selected by you:
SOUND Health Data and Third Party Health Data are referred to together as “Health Data”.
Your submission of Health Data or any personal data through the Services is governed by SOUND’s Privacy Policy at soundhsa.com/privacy.
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 the 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.
These Terms of Service will also apply to new services or products which SOUND HSA 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 the website at soundhsa.com. If SOUND HSA’s HSA Services becomes available, SOUND HSA may invite you to sign up by contacting you at the email address you provide.
SOUND HSA works hard to keep the content on the 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 the Services, you confirm that you have obtained and reviewed information from SOUND HSA about the Services of your choice, and that they meet your expectations and requirements for your intended use.
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 SOUND to read certain health data from Third Party Health Services. Upon receiving such access, SOUND can read information such as your activity steps and activity recordings (such data defined above as “Third Party Health Data”).
Likewise, you may elect to grant access for SOUND 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, SOUND 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.
In connection with the provision of the Services, SOUND 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 lightning 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 SOUND provides access to such tools “as is” and “as available” without any warranties, representations or conditions of any kind without any endorsement.
SOUND shall have no liability whatsoever arising from or relating to your use of third-party tools or services. SOUND has no control over the content of third party services and does 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 SOUND may link to a third party service does not mean that SOUND endorses 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 SOUND’s 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 fees.
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 SOUND as a reward (your “Rewards”).
SOUND does not guarantee any amount of Rewards as such Rewards are subject to adjustments, nor does SOUND 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 identity 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.
SOUND reserves the right and retains 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, SOUND 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 SOUND may also cap the maximum amount of sats 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.
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 SOUND to transfer the Sats to your wallet, you will need to provide SOUND with your Bitcoin Lightning Wallet address.
When you earn the Sats in connection with your use of the Services, SOUND will deposit the Sats in your Bitcoin Lightning Wallet, using the address you provide to SOUND. By using your Bitcoin Lightning Wallet to receive Sats from SOUND, 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 SOUND.
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.
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.
Unless otherwise indicated, the Platform is SOUND HSA’s 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 SOUND HSA 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.
By using the Platform, you represent and warrant that:
You may not access or use the Platform for any purpose other than that for which SOUND HSA makes the Platform available. Prohibited activities include:
You agree to defend, indemnify, and hold SOUND HSA harmless, including SOUND HSA’s subsidiaries, affiliates, and all of SOUND HSA’s 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:
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.
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.
The following terms apply when you use the Platform obtained from either the Apple Store or Google Play:
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 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 the opt-out address. 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.
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 SOUND HSA makes reasonable efforts to update the information provided by the App, SOUND HSA makes 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.
SOUND HSA is not a licensed medical professional, and SOUND HSA is 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.
You should not interpret any content provided by the Services as tax, legal, financial, crypto-assets or investment advice. SOUND HSA has 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.
SOUND is committed to complying with all applicable U.S. and international sanctions laws and regulations. By using the Services, you represent, warrant, and covenant that:
The Services are not available in the following jurisdictions, and residents of these jurisdictions are prohibited from using the Services:
SOUND reserves the right to:
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.
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 SOUND 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 SOUND does 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 SOUND makes available.
SOUND may also deliver a notice about the updates through the Site or potentially through other communication(s) deemed appropriate by SOUND. 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 SOUND has posted updated Terms, you are agreeing to be bound by the updated Terms.
SOUND 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.
If you would like to contact SOUND HSA, including with any feedback, questions, complaints or claims about the Service, please contact us at:
Email: support@soundhsa.com
These Terms of Service, the terms of SOUND’s 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.
SOUND’s 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.
SOUND may assign any or all of SOUND’s rights and obligations to others at any time. SOUND 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 SOUND’s 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 SOUND’s 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.
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 the Services.