  We develop an effective field theory to describe the coupling of non-thermal
quantum black holes to particles such as those of the Standard Model. The
effective Lagrangian is determined by imposing that the production cross
section of a non-thermal quantum black hole be given by the usual geometrical
cross section. Having determined the effective Lagrangian, we estimate the
contribution of a virtual hole to the anomalous magnetic moment of the muon,
$\mu \to e \gamma$ transition and to the electric dipole moment of the neutron.
We obtain surprisingly weak bounds on the Planck mass due to a chiral
suppression factor in the calculated low energy observables. The tightest
bounds come from $\mu \to e \gamma$ and the limit on the neutron electric
dipole moment. These bounds are in the few TeV region. However, the bound
obtained from proton decay is much more severe and of the order of $1 \times
10^6$ GeV.
