Terms of Use

Last Updated: October 31, 2025

These Terms of Use (“Terms”) constitute a legally binding agreement between you and Dream Finance US LLC, a Delaware limited liability company. These Terms govern your access to and use of the website https://coinspaid.com/, as well as all content, information, and services provided on the Website, including application programming interfaces (APIs) and mobile applications.

Access to and use of certain Services may be subject to additional agreements, policies, or terms referenced herein or available through the Website. In the event of any inconsistency between these Terms and such additional terms, the latter shall prevail with respect to the relevant Service.

By accessing, browsing, registering for, or using the Website or any of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and all policies incorporated herein by reference.

If you do not agree with these Terms, you must immediately cease accessing or using the Website and must not create, register, or maintain an Account. By continuing to access or use the Website or the Services, you expressly acknowledge and agree that: (i) you assume all risks associated with holding, transferring, or transacting in Virtual Currencies, including potential loss of value, volatility, technological failures, and regulatory uncertainty; and (ii) the Company has duly warned you of such risks, and your continued use of the Services constitutes your informed acceptance of full responsibility for those risks.

The Company reserves the right to amend these Terms at any time. Unless immediate implementation is required to comply with Applicable Law, regulatory requirements, or security measures, the Company will provide no less than seven (7) calendar days’ prior notice by publishing the updated Terms on the Website. Any continued access to or use of the Services after the effective date of the updated Terms shall constitute your full acceptance thereof.
The Company may, at its discretion, implement changes immediately where delay would pose material legal, operational, or security risks to the Platform or its Users. Changes may include (i) adjustments to our Services, or business operations; (ii) the introduction of new services, features, technologies, or promotions; (iii) updates to comply with legal, regulatory, or security requirements; or (iv) measures to protect our Services, or Users.

1. Terms and Definitions

For the purposes of these Terms, the following capitalized terms shall have the meanings set forth below, unless the context clearly requires otherwise:

Account – a personalized account created and maintained by the User on the Website, which enables access to and use of the Services in accordance with these Terms.

AML Policy – the anti-money laundering, counter-terrorist financing, and sanctions compliance policy developed and implemented by the Company in accordance with applicable U.S. federal and state laws, including the Bank Secrecy Act (BSA), as amended by relevant provisions of the USA PATRIOT Act, and regulations and guidance issued by the Financial Crimes Enforcement Network (FinCEN), the Office of Foreign Assets Control (OFAC), and other competent authorities. The AML Policy sets forth the internal procedures, controls, and measures designed to prevent money laundering, terrorist financing, sanctions violations, and other financial crimes. The AML Policy forms an integral part of these Terms and is available at https://coinspaid.com/aml-ctf-kyc-policies/.

Applicable Law – the laws and regulations of the State of Delaware, together with any other mandatory rules of law applicable to the relationship between you and the Company under these Terms.

Platform – the online platform operated by the Company that provides Virtual Currency wallet, exchange, and payment processing Services, as well as any other Services described in Section 2 of these Terms.

Deposit – a transaction involving the transfer of units of Virtual Currency from an external wallet or account to your Account on the Platform.

Company (also referred to as “Dream Finance US LLC”, “we”, “us”, or “our”) – a limited liability company organized and existing under the laws of the State of Delaware, United States of America, with its registered address at 8 The Green, STE B, Dover, Delaware, Kent, 19901, USA, and duly registered with the Financial Crimes Enforcement Network (FinCEN) of the U.S. Department of the Treasury as a Money Services Business (MSB). The Company operates the Platform and provides access to the Services in accordance with these Terms.

Exchange – a transaction executed through the Account involving the conversion of one Virtual Currency into another, or the exchange of Virtual Currency into fiat currency, or vice versa, in accordance with the Applicable Law and the Company’s operational procedures.

Exchange Rate – the relative value ratio between two assets forming a trading pair, determined based on market conditions, including demand, supply, liquidity, and other relevant economic factors.

Fee – any charge, cost, or commission applied by the Company in connection with the provision or use of the Services, as disclosed to the User prior to the execution of the relevant transaction.

Privacy Notice – the document setting out the principles and procedures for the collection, storage, processing, and protection of personal data by the Company in accordance with Applicable Law. The Privacy Notice forms an integral part of these Terms and is available at https://coinspaid.com/privacynotice/.

Services – all services and features made available by the Company on or through the Platform, as described in Section 2 of these Terms, including but not limited to Virtual Currency wallet, exchange, and payment processing services.

User (also referred to as “you” or “your”) – a legal entity duly organized, validly existing, and in good standing under the laws of its jurisdiction of incorporation, which has successfully registered and opened an Account on the Website, has full legal capacity to enter into binding agreements, and is not prohibited under any Applicable Law, including U.S. federal sanctions administered by OFAC, from accessing or using the Services.

Virtual Currency – a digital representation of value that is (i) decentralized, (ii) issued and transferred using distributed ledger or blockchain technology, and (iii) accepted by natural or legal persons as a medium of exchange, unit of account, or store of value, but that does not constitute legal tender, electronic money, or securities under Applicable Law, unless expressly stated otherwise therein.

Virtual Currency Merchant – a third-party provider of goods and/or services that accepts payments in Virtual Currency through the User’s Account on the Platform, in accordance with these Terms and the Company’s procedures.

Website – the internet domain and all associated subdomains owned and operated by the Company at https://coinspaid.com/, including all content, information, and functionality provided therein.

Withdrawal – a transaction involving the transfer of Virtual Currency units from the User’s Account on the Platform to an external wallet or account designated by the User, subject to Applicable Law and the Company’s operational and security requirements.

2. Services

2.1. The Company provides the following virtual asset services through the Website and the Platform (collectively, the “Services” and individually, a “Service”):

i. Exchange Services – the exchange of one Virtual Currency for another, or of Virtual Currency for fiat currency and vice versa, executed at the then-prevailing spot market rate determined by the Company;

ii. Virtual Currency Wallet Services – the provision of secure, custodial digital wallets for the storage, transfer, deposit, and withdrawal of supported Virtual Currencies; and

iii. Deposit and Withdrawal Services – the facilitation of deposits of Virtual Currency into, and withdrawals of Virtual Currency from, your Account on the Platform.

2.2. The Company determines exchange rates for trading pairs (e.g., BTC/EUR) based on prevailing market conditions, liquidity, and aggregated data obtained from multiple sources. Prices displayed on the Platform are indicative and may not correspond exactly to those quoted on other exchanges, market data aggregators, or conversion services. By initiating an exchange transaction, you acknowledge and accept the rate offered by the Company at the time of execution as final and binding.

2.3. The Company provides custodial wallet services for supported Virtual Currencies, enabling you to hold, store, transfer, and exchange such assets through your Account. The Company securely stores and manages the private cryptographic keys associated with your Virtual Currencies on your behalf using industry-standard security and encryption. You acknowledge and agree that:

i. the Company holds and safeguards your Virtual Currencies in a custodial capacity;

ii. ownership of the underlying Virtual Currencies remains with you at all times; and

iii. the Company may hold assets in omnibus wallets, pooled with those of other Users, but in a manner that allows your balance to be individually identified and accounted for.

For the avoidance of doubt, the Company does not engage in proprietary trading, investment, rehypothecation, or lending of customer assets. All Virtual Currencies held in custody by the Company are maintained solely for the benefit of the respective Users.

2.4. To access and use the Services, you must first deposit supported Virtual Currency units into your Account. Deposits and withdrawals are processed in accordance with Section 9 (Deposits and Withdrawals) of these Terms.

2.5. The Services are available only in respect of Virtual Currencies supported by the Platform. The list of supported Virtual Currencies is published and periodically updated on the Website. Attempting to deposit or transact in unsupported Virtual Currencies may result in permanent loss of such assets, for which the Company shall not be liable.

2.6. The Company may, from time to time and at its sole discretion, temporarily disable, restrict, or suspend access to the Website, your Account, or any part of the Services (including specific wallets) where necessary for system maintenance, security enhancement, infrastructure updates, or compliance checks. Such temporary measures shall not affect your ownership of assets held in custody, and the Company will make reasonable efforts to restore access as soon as practicable. This provision is without prejudice to Section 8 (Account Closure and Suspension), which governs suspension or termination of Accounts for legal, regulatory, or disciplinary reasons.

2.7. The provision of Services may be delayed, suspended, or restricted where the Company reasonably deems it necessary to conduct security, risk, or compliance checks, including anti-money laundering (“AML”), counter-terrorist financing (“CTF”), or sanctions screening procedures. Such measures may include, without limitation, verification of your identity, the source of funds, or the nature of a transaction. The Company shall not be liable for any loss or delay resulting from such actions taken in good faith to comply with its legal or compliance obligations. These delays are implemented in accordance with Applicable Law and internal compliance procedures and are without prejudice to Section 9 (Deposits and Withdrawals) and Section 8 (Account Closure and Suspension).

2.8. The Platform may display an indicative, aggregated nominal value of your holdings in EUR, BTC, or other currencies, based on then-current exchange rates. Such valuations are provided solely for informational purposes and do not represent an offer, guarantee, or binding price.

2.9. Where applicable, payments to Virtual Currency Merchants via your Account are subject to limits and thresholds established by the respective Virtual Currency Merchant. The Company does not control or set such limits and assumes no responsibility for any restrictions imposed by the Virtual Currency Merchant. You are responsible for reviewing the applicable Virtual Currency Merchant’s terms of service and ensuring compliance with any transaction limits.

2.10. Within the applicable thresholds, you may configure transaction limits for payments (daily, monthly, or annual) through your Account settings. Such limits are subject to the Company’s review, internal policies, and Applicable Law.

3. Eligibility

3.1. To access and use the Services, you must create an Account on the Website by completing the registration procedure as prescribed by the Company.

3.2. The Services and use of the Website are available only to legal entities that:

i. have full legal capacity to enter into a binding agreement under the Applicable Law and are not prohibited from doing so by any applicable legislation, regulation, or sanction regime;

ii. are duly incorporated, registered, and operating in jurisdictions supported by the Company;

iii. comply at all times with the Applicable Law, including any financial, AML, CTF, and sanctions regulations.

3.3. Individuals accessing or using the Services on behalf of a legal entity represent and warrant that they are duly authorized to act on behalf of such entity and to bind it by these Terms.

3.4. Each User may maintain only one Account on the Website unless the Company expressly authorizes the creation of additional Accounts in writing. The creation or use of multiple Accounts without such authorization is strictly prohibited.

3.5. You are not permitted to create a new Account if your previous Account has been suspended, restricted, or terminated by the Company for any reason.

4. Intellectual Property and License

4.1. All content, materials, data, databases, source code, software, designs, user interfaces, graphics, text, logos, trademarks, service marks, trade names, trade secrets, and other intellectual property (collectively, the “Content”) available on or through the Website and the Services are and shall remain the exclusive property of the Company or its licensors. All rights not expressly granted herein are reserved by the Company.

4.2. Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Website and the Services solely for their intended lawful purpose. This license does not grant you any ownership rights in the Content, the Website, or any underlying technology.

4.3. You shall not, without the prior written consent of the Company:

i. reproduce, copy, modify, adapt, translate, decompile, disassemble, reverse-engineer, or otherwise attempt to derive the source code, algorithms, or underlying structure of the Website, the Services, or any related software or technology;

ii. distribute, transmit, publicly display, perform, sublicense, sell, rent, lease, or otherwise exploit the Website, the Services, or any Content for any commercial or unauthorized purpose;

iii. remove, obscure, or alter any copyright, trademark, or proprietary notices contained on or within the Website or the Content; or

iv. use the Website or Services in any manner that infringes or misappropriates the Company’s or any third party’s intellectual property or other proprietary rights.

4.4. This license is revocable and terminates automatically without notice if you breach these Terms or engage in any prohibited use of the Website, the Services, or the Content. Upon termination, you must immediately cease all access and use and destroy any materials obtained from the Website that are in your possession or control. The Company reserves the right to terminate this license at any time, with or without cause, and without liability.

4.5. Except for the limited license expressly granted under these Terms, no other rights or licenses – express or implied – are granted to you under any patents, copyrights, trademarks, trade secrets, or other intellectual property or proprietary rights of the Company or its licensors.

4.6. Any unauthorized use, reproduction, or distribution of the Content or the Website, or any violation of the Company’s intellectual property rights, is strictly prohibited and may result in civil, administrative, or criminal liability under Applicable Law. The Company reserves the right to enforce its intellectual property rights to the fullest extent permitted by law.

5. Registration, Verification, and Account Management

5.1. To access and use certain features or Services, you must register and create an Account on the Website by completing the registration procedure prescribed by the Company. By registering, you confirm compliance with the eligibility criteria set out in Section 3 (Eligibility) and will provide accurate, complete, and up-to-date information as requested during registration.

5.2. As part of the registration process and throughout your use of the Services, you may be required to provide specific information and documentation and to undergo identity and verification procedures, including those required under applicable AML, CTF, and sanctions regulations. Please refer to our AML Policy for more details.

5.3. The Company reserves the right, at any time and in its sole discretion, to request additional or updated information and/or documents in order to comply with legal, regulatory, or internal compliance obligations. Failure to provide such information or documentation within the prescribed timeframe may result in the suspension, restriction, or termination of your Account and/or the provision of Services.

5.4. You are solely responsible for the accuracy, validity, and completeness of all information and documentation you submit to the Company. In the event of any change, update, or inaccuracy in the information or documents previously submitted, you must promptly notify the Company.

5.5. Each Account is intended for use by a single User unless otherwise expressly authorized in writing by the Company. You are solely responsible for maintaining the confidentiality and security of your Account credentials, including your username, password, and any two-factor authentication mechanisms. You must implement appropriate security measures to prevent unauthorized access or use.

5.6. You are fully responsible for all activities conducted through your Account, whether authorized or unauthorized. If you suspect or become aware of any unauthorized use, security breach, or fraudulent activity related to your Account, you must immediately notify the Company at [email protected].

5.7. The Company shall not be liable for any loss or damage arising from your failure to safeguard your Account credentials or comply with these security obligations. Additionally, failure to promptly report suspicious or unauthorized activity may result in the suspension or termination of your Account and/or the Services provided to you.

5.8. All information and documentation provided to the Company are processed in accordance with the Privacy Notice and other applicable data protection regulations.

6. Usage Restrictions

6.1. By accessing, browsing, or using the Services, you agree to the following restrictions:

• you will not use, intentionally or unintentionally any of the content, information available through the Services in a manner contrary to or in violation of any applicable international, national, federal, state, or local law, rule, or regulation having the force of law;
• you will not provide false, inaccurate, misleading, or incomplete information to Company or any third party in relation to the Services, or your account. You agree to ensure that all information provided is accurate and up-to-date;
• you will not infringe upon or violate the intellectual property rights of Company or any third parties, including but not limited to trademarks, copyrights, patents, trade secrets, and any other proprietary rights. This includes the unauthorized use of the Company’s content, branding, or proprietary technology;
• you will not use the Services in a manner that could damage, disable, overburden, or impair the functionality or security of the Services or its underlying infrastructure. This includes, but is not limited to, uploading or distributing harmful content such as viruses, trojan horses, worms, spyware, adware, or other malicious code, and attempting to disrupt the normal operation of the Services through denial-of-service (DDoS) attacks or other disruptive actions;
• you will not attempt to gain unauthorized access to the Services, other Users’ accounts, computer systems, or networks connected to or used by the Services, or to extract, scrape, or harvest data from the Services by any means, including automated scripts or bots, without the explicit permission of the Company. For restrictions regarding reverse-engineering or decompiling the Platform or any related technology, please refer to Section 4 (Intellectual Property and License);
• you will not share your account credentials (see Section 5 (Registration, Verification, and Account Management));
• you will not seek to gain access to any materials or information through any means not intentionally made available by us;
• you will not reproduce, duplicate, copy, download, store, further transmit, disseminate, transfer, or otherwise exploit the Services, or any portion hereof without Company’s prior written consent, except that you may reproduce limited content from this Website describing Company’s products and services solely to educate Users or potential Users about Company’s products or services;
• you will not impersonate or misrepresent your identity, affiliation with any User, person, or entity, or make any fraudulent, deceptive, or misleading statements or representations. This includes, but is not limited to, misusing the Company’s branding or impersonating employees or representatives of Company;
• you will not engage in any activity that violates any laws, regulations, or industry standards in your jurisdiction relating to the use, transfer, or exchange of virtual currency. This includes but is not limited to participation in money laundering, terrorist financing, or any other unlawful financial activities involving virtual currency;
• you will not exploit vulnerabilities or attempt to bypass security controls in the Services, their systems, or security protocols;
• you will not collect any email addresses made available through the Services for purposes of promotions or marketing campaigns;
• you will not distribute, on or through the Services, any advertising; promotion; solicitation for goods, services, or funds; or solicitation for others to become members of any enterprise or organization without Company’s prior written permission.

7. Cooperation with Law Enforcement and Regulatory Authorities

7.1. You acknowledge and agree that the Company is subject to the regulatory oversight and reporting obligations imposed under applicable U.S. federal and state laws, including the Bank Secrecy Act (BSA), as amended by relevant provisions of the USA PATRIOT Act, and regulations administered by FinCEN, OFAC, and other competent authorities. Accordingly, the Company may:

• Collect, verify, and retain information about your identity, transactions, and business activities;
• Monitor transactions for suspicious or unlawful activity;
• File Suspicious Activity Reports (SARs) or other mandatory disclosures with FinCEN or other authorities, where required by law; and
• Cooperate fully with any lawful investigation, subpoena, or request made by federal, state, or local law enforcement, regulatory agencies, or courts of competent jurisdiction.

7.2. You further agree to promptly provide any information, documentation, or access reasonably requested by the Company in connection with any regulatory or law enforcement inquiry.

7.3. To the extent permitted by law, the Company may, but is not required to, notify you of such disclosures or cooperation. You expressly waive any claims arising from the Company’s good-faith compliance with applicable legal or regulatory obligations.

8. Account Closure and Suspension

8.1. You may close your Account at any time at your sole discretion by submitting a written request to the Company through the communication channels specified on the Website. Prior to closure, you must ensure that all digital assets, funds, or other holdings associated with your Account have been lawfully withdrawn to external wallets or accounts. The Company shall not be liable for any inability to access or recover assets remaining in a closed Account.

8.2. The Company reserves the right, at any time and in its sole discretion, to suspend, restrict, or terminate your Account and/or access to the Services, with or without notice, if:

i. the Company reasonably suspects that your Account has been compromised or accessed without authorization;

ii. the Company reasonably believes that your Account is being used in violation of these Terms, the AML Policy, or any Applicable Law or regulation;

iii. you have provided false, misleading, incomplete, or inaccurate information or documentation;

iv. your conduct or the use of your Account exposes or may expose the Company to legal, regulatory, reputational, or operational risk;

v. the Company reasonably suspects any fraudulent, illegal, or unauthorized activity, including potential money laundering, terrorist financing, or sanctions violations;

vi. you fail to comply with any request for information, verification, or documentation made under these Terms or the AML Policy;

vii. the Company is required to do so by law, a court order, or a competent regulatory authority; or

viii. any other circumstances arise which, in the reasonable opinion of the Company, make continued provision of the Services inappropriate or impossible.

8.3. Where permitted by law and applicable regulatory requirements, the Company may, but is not obliged to, notify you of the reasons for the suspension, restriction, or termination of your Account. The Company may withhold such information if disclosure would compromise an ongoing investigation, regulatory obligation, or security procedure.

8.4. Upon closure or suspension of your Account, the Company may, at its discretion, allow you to withdraw any eligible assets to an external wallet or account designated by you, provided that such withdrawal is lawful, feasible, and compliant with Applicable Law. The Company reserves the right to withhold, freeze, or delay withdrawals if required to do so by law, a competent authority, or for the purposes of preventing fraud, money laundering, or other unlawful activity.

8.5. Account closure or suspension shall not affect your obligation to pay any Fees, charges, or liabilities accrued prior to such action. You remain responsible for any obligations or losses arising from activities conducted through your Account prior to its closure or suspension.

8.6. To the maximum extent permitted by Applicable Law, the Company shall not be liable for any direct or indirect loss, damage, loss of profit, opportunity, or data arising from or in connection with the suspension, restriction, or closure of your Account, including any delay or inability to access or withdraw assets.

8.7. If your Account is subject to an investigation, regulatory inquiry, or legal request, the Company may retain your information, documentation, and assets for the duration of such process and as required by Applicable Law. The Company may place a compliance hold on your Account or specific transactions until the investigation or regulatory process is concluded, after which appropriate actions, including suspension, restriction, or termination of the Account, may be taken in accordance with these Terms. For details on compliance-related transaction holds, see Section 9 (Deposits and Withdrawals), and for general principles of compliance reviews, see Section 2 (Services).

9. Deposits and Withdrawals

9.1. Before using the Services, you must deposit Virtual Currency units into your Account in accordance with the deposit instructions provided on your Account page. You are solely responsible for following the correct deposit procedures and ensuring that any funds or Virtual Currency are transferred to the designated wallet address or payment reference provided by the Company. Failure to comply with the deposit instructions may result in a permanent loss of assets, for which the Company shall not be liable.

9.2. A deposit shall be considered completed only after the corresponding transaction has received the required number of confirmations on the relevant blockchain network and has been successfully credited to your Account. The Company reserves the right to delay or withhold crediting deposits if such action is necessary to comply with internal security, risk management, or regulatory procedures, including AML/CTF checks.

9.3. You may withdraw Virtual Currency units from your Account at any time, at your sole discretion, subject to:

i. transaction limits and daily or periodic withdrawal thresholds applicable to your Account;

ii. sufficient available balance to cover the withdrawal amount and applicable Fees; and

iii. any temporary or permanent restrictions imposed by law, competent authorities, or the Company in connection with internal investigations, AML/CTF measures, or other compliance obligations.

9.4. You are solely responsible for ensuring the accuracy and completeness of all withdrawal details, including destination wallet addresses, tags, and any other required credentials. Once a withdrawal request has been submitted and broadcast to the blockchain network, it cannot be cancelled, reversed, or modified. The Company shall not be liable for any loss resulting from incorrect, incomplete, or improperly formatted withdrawal information.

9.5. Each withdrawal of Virtual Currency is subject to a network (“mining”) fee charged by the respective blockchain network. The Company will use reasonable efforts to balance transaction speed and cost-efficiency; however, it reserves the right, in its sole discretion, to determine the final amount of the network fee applicable to each transaction. The exact fee may be viewed on the relevant blockchain explorer (e.g., blockchain.com/explorer for BTC and BCH, etherscan.io for ETH, etc.).

9.6. The Company may delay, suspend, or withhold the processing of any deposit or withdrawal transaction if it reasonably suspects that such transaction involves or may involve fraud, money laundering, sanctions violations, or any other unlawful activity, or if required to do so by Applicable Law, a competent authority, or the Company’s internal compliance policies. Any such delay or restriction shall be conducted in accordance with the principles set out in Section 2 (Services), and may result in a temporary hold on the relevant assets until the review or investigation is completed. In cases where compliance concerns cannot be resolved, the Company may take further actions as described in Section 8 (Account Closure and Suspension).

9.7. Assets subject to compliance hold shall be released or confiscated strictly in accordance with Applicable Law, and the User shall be notified once the relevant investigation or review has been completed. The Company shall ensure that such compliance holds are maintained only for the period reasonably necessary to fulfil its legal or regulatory obligations.

9.8. You acknowledge and agree that blockchain transactions are irreversible once confirmed and recorded on the respective blockchain network. The Company cannot cancel, reverse, or refund any transaction that has been broadcast to the blockchain upon your request, regardless of any error or change of mind on your part. For information regarding the finality of exchange settlements and refund limitations, please refer to Section 11 (Settlements, Cancellations, and Refunds).

9.9. To the maximum extent permitted by Applicable Law, the Company shall not be liable for any losses, delays, or damages arising from (i) blockchain congestion or network errors; (ii) incorrect or unauthorized transfer instructions provided by you; (iii) technical failures, force majeure events, or circumstances beyond the Company’s control; or (iv) delays or restrictions resulting from regulatory or compliance reviews.

10. Fees

10.1. The Platform operates on an automated Fee-charging basis. All applicable Fees for the Services are calculated and displayed to you prior to the execution of each transaction. By confirming a transaction, you acknowledge and agree to the applicable Fee. The Company does not issue paper invoices unless expressly required by Applicable Law.

10.2. Fees are payable in the Virtual Currency or other payment asset corresponding to the specific Service, as indicated on the Website or within your Account interface. All Fees are automatically deducted at the time of the transaction’s completion, unless otherwise specified.

10.3. The Company reserves the right, at its sole discretion, to modify the applicable Fee structure at any time, including introducing new Fees for additional or updated Services. Any such changes shall take effect upon publication on the Website or upon direct notice to you via e-mail or other communication channels, where appropriate. Continued use of the Services following any Fee change constitutes your acceptance of the updated Fee structure.

10.4. All Fees are final, non-refundable, and non-reversible once the relevant transaction has been executed, except where otherwise required by Applicable Law or expressly approved by the Company in writing. For details regarding the finality of settlements and refunds, please refer to Section 11 (Settlements, Cancellations, and Refunds).

10.5. You are solely responsible for determining and paying any applicable taxes, duties, or similar governmental charges that may arise in connection with your use of the Services. The Company does not provide tax advice and assumes no responsibility for determining your tax obligations.

11. Settlements, Cancellations, and Refunds

11.1. When you deposit, withdraw, or exchange Virtual Currency (or Virtual Currency for fiat currency, where applicable), the corresponding assets shall be debited from or credited to your Account once the transaction has been validated and confirmed in accordance with these Terms and the rules of the respective blockchain network or payment system.

11.2. All completed exchange and settlement transactions are final and binding once executed and recorded in your Account. The Company does not reverse, cancel, or adjust completed settlements, except as expressly provided under these Terms or required by Applicable Law. For the irreversibility of blockchain transfers, see Section 9 (Deposits and Withdrawals). For the non-refundability of Fees, see Section 10 (Fees).

11.3. The Company reserves the right to cancel or reverse any transaction, credit, or debit entry in your Account where:

i. a transaction is affected by a technical fault, system error, or operational failure of the Platform;

ii. the transaction was executed in error or in violation of these Terms;

iii. the transaction is suspected to involve fraud, money laundering, or other unlawful activity; or

iv. the Company is required to do so by law, regulation, court order, or a competent authority.
In such cases, the Company may, without prior notice, take all necessary corrective actions, including reversing affected transactions or adjusting Account balances.

11.4. If you believe that a transaction was executed in error or without authorization, you must notify the Company immediately, and in any case no later than seven (7) calendar days from the date of such transaction. The Company will review the claim and take reasonable steps to investigate. Failure to report within this period may result in your claim being rejected.

11.5. Except as expressly stated in these Terms or required by Applicable Law, the Company has no obligation to refund any amounts credited, debited, or paid in connection with your use of the Services.

12. Minimum Withdrawal Amounts and the Refund Fees

12.1. Overall description of Refunds

When an Invoice is being refunded, the transaction (this Refund) itself technically is a Withdrawal.

As any Withdrawal that is being processed by Company, it is subject to a processing Fee.

1. The Refund of the Invoice is being Opened if the Invoice is:
i. Underpaid;
ii. Overpaid;
iii. Paid after the due date (the payment was made after the payment term had expired).

2. The Refund is then issued/refunded if the underpaid or overpaid Invoice amount is:
i. Larger than the Refund processing Fee; and
ii. Larger, than the Minimum Withdrawal Amount.

3. The Refund is not being issued/refunded if the underpaid or overpaid Invoice amount is:
i. Smaller or equal to the Refund processing Fee; and
ii. Smaller, than the Min Withdrawal amount.

USDTE = USDT in ERC-20 standard/network
USDTT = USDT in TRON standard/network

13. No Legal, Financial, or Investment Advice

13.1. The content, information, and services provided through the Website or the Services are for general informational and educational purposes only. Nothing contained on or through the Services constitutes, or should be construed as, legal, financial, investment, tax, accounting, or other professional advice. The Company does not provide legal or investment advisory services, is not a law firm, broker-dealer, or investment adviser, and no attorney-client, fiduciary, or advisory relationship is created between you and the Company by virtue of your access to or use of the Services. You are solely responsible for evaluating and determining the suitability of any information or transaction based on your own circumstances. Before making any legal, financial, or investment decision involving virtual currencies or related products, you should consult with a qualified attorney, accountant, or licensed financial adviser.

13.2. By using the Services, you acknowledge and agree that:

you act on your own judgment and at your own risk;

the Company makes no representation or warranty as to the accuracy, completeness, reliability, or timeliness of any content or data provided through the Services; and

the Company shall not be liable for any decision or action you take or refrain from taking based on information obtained through the Services.

14. Advertisements and Sponsored Content

The Services may feature advertisements and sponsored content provided by third-party advertisers and sponsors. Advertisers and sponsors are solely responsible for ensuring that all materials submitted for inclusion in the Services are accurate, lawful, and comply with all Applicable Laws and regulations, including but not limited to advertising standards, consumer protection laws, data privacy regulations, and any other laws relevant to financial services, cryptocurrency transactions, and digital payments. The Company makes no representations or warranties regarding the legality, accuracy, completeness, or compliance of any materials provided by advertisers or sponsors. The Company is not liable for any errors, inaccuracies, misleading content, or claims made by advertisers or sponsors, nor for any actions, omissions, or liabilities arising from such materials, including those that may affect Users’ security, data privacy, or financial interests. Users are encouraged to conduct due diligence when engaging with advertised services or products.

15. Links to Third-Party Websites

15.1. The Services may contain links to third-party websites, applications, or services that are not owned, operated, or controlled by Company (“Third-Party Websites”). These links are provided for convenience and informational purposes only. Company has no control over, and assumes no responsibility for, the content, privacy policies, terms of use, or practices of any Third-Party Websites. The inclusion of any link to a Third-Party Website does not imply endorsement by Company of the linked website or its content, products, or services. Company expressly disclaims any liability for any loss or damage incurred, directly or indirectly, due to the use or reliance on such Third-Party Websites, including, but not limited to, any damages caused by errors, omissions, or the availability of such external content or services.

15.2. You are strongly encouraged to review the privacy policies, terms, and conditions of any Third-Party Websites you visit. Company is not responsible for the actions or omissions of third-party entities and does not have any control over how third parties handle your personal data or other information.

16. Disclaimers and Limitations of Liability

16.1. Company provides the Services “as is”, without any warranties, express or implied, to the fullest extent permitted by law. This includes, but is not limited to, the following disclaimers:

i. Performance and Accuracy: No warranties are made regarding the performance, merchantability, fitness for a particular purpose, accuracy, completeness, or currentness of any content, service, or feature through the Services. This includes the potential for omissions, errors, inaccuracies, or delays in the information or services provided.

ii. Availability and Security: Company does not guarantee that access to the Services will be uninterrupted, secure, complete, error-free, or free from any other technical issues, including but not limited to downtime, server errors, or failures. The availability of the Services and their content may be subject to various factors beyond the control of Company, and we disclaim any responsibility for any interruptions.

iii. Third-Party Content and Services: Company makes no representations or warranties regarding the availability, stability, or reliability of any third-party content, services, or web links provided through the Services, including the life cycle or future availability of any URLs or third-party web services. Any such third-party materials are provided solely for convenience, and access to these services may be terminated at any time without prior notice.

iv. Modifications by Unauthorized Parties: Company does not warrant or accept responsibility for any content, data, or software that has been modified, altered, or manipulated by any party other than Company or its authorized representatives. Any changes or modifications made by unauthorized parties may result in an inaccurate, incomplete, or erroneous representation of the content or Services provided.

v. No Endorsement or Liability for Third-Party Websites: For disclaimers regarding third-party links and resources, see Section 15 (Links to Third-Party Websites).

16.2. By accessing, browsing, or using the Services, you acknowledge and agree to the following terms:

i. The provision of content and software through the Services involves the inherent risk of human and machine errors, delays, interruptions, and other technical issues. This may include, but is not limited to, the inadvertent loss of data, damage to media, or disruptions in service, all of which may occur despite Company’s reasonable efforts to ensure the smooth operation of the Services.

ii. These Services may not meet customer requirements or expectations that are not explicitly stated in the specific agreement with you. Company does not warrant that the Services will align with all unexpressed or implied needs of the User.

16.3. In no event shall Company, its officers, directors, employees, agents, affiliates, licensors, or third-party service providers be liable for any of the following:

(i) Any inaccuracies, errors, omissions, or incompleteness in the content, information, or services provided through the Services, including any linked websites, whether through hyperlinks, banner advertisements, or other connections; (ii) The accuracy, completeness, content, or availability of any websites linked to or from the Services, whether directly or indirectly, and any transactions or interactions with third-party sites; (iii) Any failure, delay, or malfunction found on the Services or any linked services, including the unavailability of certain services or features; (iv) Any injury, damage, or loss to personal property of any kind resulting from the use of the Services, or any linked services, whether or not caused by negligence or fault of Company; (v) Any actions or conduct of third parties, including other Users, advertisers, or service providers, in relation to the Services or its content; (vi) Any unauthorized access or use of the Company’s servers, databases, or content, including but not limited to personal information, blockchain data, or any other information and data stored within such systems; (vii) Any interruptions, delays, or cessation of services to or from the Services or any linked websites, including, but not limited to, technical failures, service outages, or unavailability due to unforeseen circumstances; (viii) The transmission of viruses, worms, bugs, trojan horses, or other malicious code to or from the Services or any linked websites, including those caused by third parties, which may harm your device, data, or software; (ix) Any loss or damage, whether direct or indirect, incurred as a result of your use of the Services, including, but not limited to, lost profits, loss of data, or business interruption, regardless of the cause of such damage and even if Company was advised of the possibility of such damages; (x) Any loss of access, or unauthorized access, to your account, including any issues resulting from security breaches, hacking, or failure to protect your credentials; (xi) Any errors, malfunctions, or failures associated with wallets used to deposit and withdraw virtual currencies, including those caused by issues with the wallet provider or suspension of wallet services at the Company’s discretion or as required by Applicable Laws; (xii) Any malfunctions, breakdowns, or abandonment of blockchain protocols, whether due to technical failure, market conditions, or regulatory actions; (xiii) Any changes in regulatory approaches, legal actions, or government actions that impact blockchain technology, virtual currencies, or the services provided through the Services; (xiv) Any changes to the taxation system, tax obligations, or liabilities regarding virtual currencies, including new tax laws, enforcement actions, or interpretations that may affect your use of the Services; (xv) Any risks, including security risks, arising from advancements in cryptography, blockchain technologies, or other technical advancements that may potentially impact the security or integrity of blockchain protocols; (xvi) The inherent risks of unfavorable fluctuations in the value of virtual currencies, including market volatility, price swings, or the devaluation of a particular cryptocurrency; (xvii) Any errors, delays, or failures in the provision of Services, including technical malfunctions, human error, or failure to meet customer expectations; and (xviii) Any additional risks related to the purchase, holding, transfer, or use of virtual currencies, including risks associated with their inherent volatility, regulatory uncertainty, and security vulnerabilities.

16.4. You acknowledge and agree that your use of the Services is at your own risk and that Company shall not be held liable for any damages arising out of the factors outlined above. You further agree that these limitations of liability apply whether such claims are based on contract, tort, negligence, strict liability, or any other legal or equitable theory, and whether or not Company was advised of the possibility of such damages, except as otherwise provided under these Terms or as required by Applicable Law.

16.5. Nothing in this Section shall exclude or limit liability arising from gross negligence, wilful misconduct, or fraud, to the extent such exclusion is prohibited under Applicable Law.

17. Indemnification

17.1. To the fullest extent permitted by Applicable Law, you agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees, agents, affiliates, licensors, and service providers from and against any and all claims, demands, actions, proceedings, losses, liabilities, damages, penalties, fines, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (i) your access to or use of the Services; (ii) your breach of these Terms or any Applicable Law; (iii) your violation of the rights of any third party, including intellectual property or privacy rights; (iv) any act or omission constituting fraud, negligence, or willful misconduct on your part; or (v) any regulatory or governmental investigation, action, or proceeding arising from your use of the Services.

17.2. The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate fully with the Company in asserting any available defenses.

17.3. Your indemnification obligations shall survive the termination or expiration of these Terms and your use of the Services.

18. Official Announcements and Communications

The Company may, from time to time, publish official announcements, updates, news, notices, or other information (collectively, the “Announcements”) on the Website or through other official communication channels designated by the Company. Such Announcements constitute the sole and official source of information regarding the operation of the Platform and the Services. You acknowledge and agree that: (i) you are responsible for regularly reviewing the Website and your Account for any Announcements or updates that may affect your rights and obligations under these Terms; (ii) the Company shall not be liable for any loss, damage, or expense incurred as a result of your failure to review, notice, or act upon any Announcement; and (iii) no oral or informal communications, statements, or publications by any third party shall be deemed to represent the Company’s official position unless expressly confirmed through such Announcements. Where required by Applicable Law or at the Company’s discretion, certain notifications may also be sent to you via email or other communication methods linked to your Account. However, publication on the Website shall, in all cases, constitute sufficient and effective notice to you.

19. Applicable Law and Dispute Resolution

19.1. These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, and, where applicable, the federal laws of the United States of America, without regard to conflict of law principles that would result in the application of the laws of another jurisdiction.

19.2. Both you and the Company agree to make reasonable, good-faith efforts to resolve any dispute, controversy, or claim arising out of or in connection with these Terms, the Services, or your use of the Platform (collectively, a “Dispute”) through informal negotiations prior to initiating any formal legal proceeding. If a Dispute cannot be resolved through such negotiations within thirty (30) calendar days, the Dispute shall be resolved as follows:

19.2.1. At the Company’s sole discretion, any Dispute may be submitted to binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The seat of arbitration shall be Wilmington, Delaware, and the arbitration shall be conducted in the English language. The arbitrator’s decision shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

19.2.2. In the absence of arbitration, the parties irrevocably agree that any Dispute shall be brought exclusively before the state or federal courts located in Wilmington, Delaware, and each party hereby submits to the personal jurisdiction of such courts.

19.2.3. You agree that any Dispute shall be resolved solely on an individual basis. To the maximum extent permitted by Applicable Law, you waive the right to participate in any class, collective, or representative action against the Company.

19.2.4. The prevailing party in any legal proceeding shall be entitled to recover reasonable attorneys’ fees, court costs, and other expenses incurred in connection with such proceeding.

19.2.5. These Terms may be translated into other languages for convenience. In the event of any inconsistency between the English version and any translation, the English version shall prevail and constitute the legally binding text for all purposes.

20. Force Majeure

20.1. Neither the Company nor the User shall be liable for any delay or failure to perform its obligations under these Terms (except for payment obligations) if such delay or failure results from causes beyond its reasonable control, including but not limited to: acts of God, fire, flood, earthquake, explosion, epidemic, pandemic, cyberattack, war, terrorism, civil unrest, embargo, government order, labor dispute, interruption or failure of internet or telecommunications service, energy outage, or any other event or circumstance that materially impedes performance (each, a “Force Majeure Event”).

20.2. The affected Party shall promptly notify the other Party of the occurrence of a Force Majeure Event and use commercially reasonable efforts to mitigate its effects and resume performance as soon as practicable.

20.3. The Company shall not be deemed in breach of these Terms, nor liable for any unavailability, suspension, delay, or limitation of the Services caused, directly or indirectly, by a Force Majeure Event.

20.4. If a Force Majeure Event continues for more than thirty (30) calendar days, the Company may, at its sole discretion, suspend or terminate the affected Services without incurring any liability to the User.

21. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable by a competent court or authority, such provision shall be deemed severable from the remainder of these Terms and shall not affect the validity or enforceability of the remaining provisions. The invalidity or unenforceability of a provision will not impact the operation of the Services or the continued validity of the Terms as a whole. In the event that any provision is deemed invalid, the Company will replace it with a valid provision that closely reflects the original intent of the invalid provision, to the extent permitted by Applicable Law.

22. Contact Information

If you have any questions, comments, concerns, or complaints regarding the Services, or these Terms, please do not hesitate to contact us. You can reach our support team by emailing us at [email protected]. We strive to respond to all inquiries in a timely manner and are committed to addressing any issues or concerns you may have.