Terms of Use

Please read these Terms of Use ("Terms") carefully before using any of the services provided by Cryptomus website (https://cryptomus.com) (the "Website") and mobile application (the "App").

These Terms are governed and maintained by SEARAY INVESTMENTS CORP, a company duly incorporated under the laws of the Republic of Panama, with its registered office at Global Bank Tower, 18th Floor, Suite No. 1801, 50th Street, Republic of Panama, Panama City (hereinafter referred to as "Company", "we", "us", or "our").

By visiting the Website, accessing its functionality, or using its services, you acknowledge that you have carefully read, understood, and agreed to these Terms. The Terms may be updated or modified from time to time, and you are advised to review them regularly.

If you do not agree to these Terms, you may not visit or use the Website or any Services provided on the Website. All information and Services provided on the Website are provided strictly ‘as is’ without warranty of any kind.

Please leave the Website and do not create an account if you do not agree to the terms and conditions set out below. Otherwise, you assume all risk and responsibility for the storage and trading of virtual currency.

If you are a U.S. citizen or resident, please leave the Website, Cryptomus does not serve U.S. citizens or residents. Accordingly, by using the Services, you also confirm that you are not a citizen or resident of the United States or a citizen or resident of the list of prohibited countries set forth in our website's AML policy.

1. Introduction

1.1. Upon successful registration and subsequent verification, you are granted a limited, revocable, and non-transferable right to access the Platform's services, including but not limited to: trading tools, APIs, software interfaces, and other functionalities provided strictly "as is" and "as available."

1.2. By using the Platform, you acknowledge that you have carefully read these Terms, fully accept them, and agree to comply with all related rules, policies, guidelines, and other documents directly or indirectly referenced herein.

1.3. The Platform reserves the right, at its sole discretion and without prior notice, to modify, amend, or update these Terms and any related documents. Such changes become effective upon publication on the Platform, unless expressly stated otherwise.

1.4. If you disagree with the updated Terms, you must discontinue using the Platform and close your account. Continued use of the Platform after such updates constitutes your unconditional acceptance of the revised Terms.

1.5. These Terms take precedence over any other agreements between you and the Platform, unless otherwise explicitly stated in writing.

1.6. All official notices and legally significant communications from the Platform shall be sent via email or other electronic channels specified in the Platform's interface. By using the Platform, you agree that such notices are valid and legally binding. Any communications or documents sent by you to the Platform must also be made exclusively through designated communication channels.

1.7. In case of discrepancies between the English version of these Terms and any translation, the English version shall prevail.

2. Terminology

2.1. Account – The User's personal profile on the Platform, including registration data, identifiers, transaction history, digital assets, and other means, rights, and obligations. Use of another person's Account is prohibited.

2.2. Assets – All digital assets, fiat currencies, goods, rights, funds, or other valuables stored, managed, or transferred through the Platform.

2.3. Digital Assets – A category of assets available on the Platform that are not fiat money and are not backed by a government or central bank. Includes tokens, coins, cryptocurrencies, and similar instruments.

2.4. Fiat Currencies – Official currencies issued by governmental authorities or central banks. Digital assets are not considered fiat currencies.

2.5. Platform – The online service and software infrastructure providing Users with access to functionality, asset operations, trading, and other Services.

2.6. Services – All functionalities, products, tools, content, and services available through the Platform.

2.7. User – A natural or legal person who has registered an Account and uses the Platform's Services in accordance with these Terms.

2.8. Affiliates – Subsidiaries, partners, employees, agents, representatives, contractors, and other persons directly or indirectly associated with the Platform.

2.9. Applicable Laws and Regulations – All laws, statutes, rules, regulations, directives, judicial decisions, and requirements of competent governmental, administrative, tax, financial, or other authorities applicable to the activities of the User and the Platform.

2.10. User Data – All information provided by the User during registration, use of the Services, or interaction with the Platform, including personal data, contact, and financial information.

2.11. Force Majeure Events – Events beyond the Platform's control that prevent the performance of obligations, including natural disasters, internet outages, wars, strikes, technical failures, or actions of third parties.

2.12. Transaction – Any operation on the Platform, including the purchase, sale, exchange, or transfer of digital assets or fiat currencies.

2.13. User Content – Materials, posts, comments, or data uploaded or transmitted by the User through the Platform. The Platform is not responsible for such content.

2.14. Virtual Card – A digital payment instrument issued by the Platform in electronic form, which is not a bank card and is not covered by any government deposit insurance system. The virtual card is used to conduct transactions with digital assets within the Platform's functionality.

3. Right to Use Services and Restrictions

3.1. Individuals. By accessing the Platform and using its Services, you represent and warrant that:

• you are at least 18 years old;
• you possess full legal capacity to use the Services;
• you have not been previously banned from using this or similar platforms;
• you are not listed on any sanctions lists and do not engage with sanctioned persons (including, but not limited to, the UN Security Council, the European Union, OFAC, and other competent authorities).

Legal entities. Acting on behalf of a legal entity, you further represent and warrant that:

• the legal entity is duly incorporated and validly existing under the laws of its jurisdiction;
• you have the proper authority to represent and bind the legal entity;
• the legal entity fully assumes responsibility for compliance with these Terms;
• neither the legal entity nor you are listed on any sanctions lists or engage with sanctioned persons.

Upon the Platform's request, you must promptly provide written confirmation of compliance with these requirements. The Platform may change eligibility criteria for users at its sole discretion.

3.2. Availability restrictions. The Platform does not guarantee the availability of Services in all countries or jurisdictions. Access to certain features may be restricted or suspended depending on local laws. The Platform may modify or discontinue Services at any time without notice, and you acknowledge that such actions may limit or terminate your ability to use the Platform.

3.3. Independent use. You confirm that you are using the Platform solely on your own behalf, unless otherwise permitted by applicable law or a separate written agreement with the Platform.

3.4. Digital Asset Disclaimer

Digital assets:

• are not fiat money;
• are not recognized as legal tender;
• are not backed by any government, central bank, or guarantee.

Regulation of digital assets varies by jurisdiction. You bear full responsibility for compliance with applicable laws and confirm that you have independently verified the legality of using the Services in your jurisdiction.

The Platform may restrict or terminate Services in specific countries, regions, or for certain products. The list of unsupported regions may change without notice.

3.5. User Responsibility

• The User bears full responsibility for accessing or attempting to use the Services in jurisdictions where such use is restricted or prohibited.
• The User is solely responsible for compliance with local laws, currency regulations, and sanctions regimes.
• The Platform is not liable for any losses, damages, sanctions, or other consequences resulting from violations of local laws by the User.
• The Platform may disclose User information to competent authorities as required by law and is not responsible for any resulting consequences.
• In the event of adverse outcomes due to the User's actions or omissions (including fines, sanctions, account blocks, or prosecution), all risks, costs, and losses are borne solely by the User without any compensation or indemnification from the Platform.

3.6. Access to the issuance and use of virtual cards may be restricted depending on the User's jurisdiction, applicable law, and/or the Platform's internal policies. The User acknowledges that the virtual card is not a banking product and is not covered by state guarantees.

4. Prohibited Activities

4.1. The use of Services in connection with the following activities, operations, or transactions is strictly prohibited. The list is not exhaustive, and the Platform reserves the right to expand or clarify it at its sole discretion:

• unlicensed or unauthorized financial services, including payment processing, remittance, or money orders;
• sexual content or services, including pornography, prostitution, escort services, or adult communication websites;
• deceptive marketing, advertising schemes, or manipulative promotion methods;
• religious and/or spiritual organizations, unless expressly permitted by applicable law;
• sale or distribution of weapons, ammunition, explosives, or hazardous materials without a license;
• trade in regulated goods or services without a license: marijuana, tobacco, e-cigarettes and liquids, online pharmacies, pharmaceuticals, age-restricted goods, toxic or radioactive materials;
• manufacture, sale, or promotion of unverified or unregistered pharmaceutical products;
• drugs and paraphernalia (bongs, hookahs, vaporizers, etc.);
• gambling, including online casinos, betting, poker, lotteries, or sweepstakes;
• fraud, money laundering, terrorist financing, or other financial crimes;
• Ponzi schemes, pyramids, MLM, or similar models;
• intellectual property infringement, including counterfeit goods;
• unlicensed deferred payment or annuity programs;
• trade in counterfeit documents or illegally imported/stolen goods;
• wash trading, insider trading, market manipulation, or other market fraud;
• purchasing goods or services on dark web or illegal marketplaces;
• any activity deemed unacceptable, unsafe, high-risk, or detrimental to the reputation or stability of the Platform or its Services;
• any activity violating international sanctions or local laws;
• shell banks or institutions serving them;
• issuance of bearer shares;
• defense industry activities or arms manufacturing;
• nuclear energy projects not authorized or under sanctions;
• prohibited financial services, including unlicensed debt restructuring or collection;
• trade in wildlife or protected materials (e.g., ivory);
• any other activity that the Platform deems inappropriate, illegal, or incompatible with the provision of Services.

4.2. Enforcement Measures. If the Platform determines or reasonably suspects that an account or transaction is connected to Prohibited Activities, it constitutes a material breach of these Terms. In such cases, the Platform may, without prior notice or liability to the User:

• immediately suspend or terminate the account;
• restrict or block access to Services;
• freeze assets or transactions;
• report suspected violations to law enforcement or regulatory authorities;
• take any other measures deemed necessary to protect its interests and comply with legal obligations.

4.3. Limitation of Liability. The User bears full and sole responsibility for any losses, sanctions, claims, or consequences arising from Prohibited Activities. The Platform shall not be liable for such consequences and is not obliged to reimburse any losses incurred by the User or third parties.

5. Description of Platform Services

5.1. The Platform provides an online service allowing Users (where permitted by applicable law in their jurisdiction) to store certain Digital Assets, conduct transactions, issue and use Virtual Cards, and access related products.

A request for withdrawal of Digital Assets/funds held on an Account or Virtual Card may be processed subject to:
(i) compliance with these Terms and specific Service rules;
(ii) absence of legal or technical restrictions;
(iii) sufficient balance on the Account or Virtual Card.

The Platform reserves the right to refuse or suspend withdrawals if required to comply with laws, regulatory obligations, or to resolve technical or other incidents.

5.2. The Platform's Services include:

• Exchange of one unit of Virtual Currency for another Virtual Currency and/or fiat currency;
• Virtual currency wallet services;
• Depositing and withdrawing Virtual Currency units on the Platform;
• Issuance and use of Virtual Cards for conducting Digital Asset transactions.

5.2.1. The range of available Services may vary depending on the User's jurisdiction and may be restricted by applicable law and/or the rules of relevant regulatory authorities.

5.3. Certain Services, including the issuance and use of Virtual Cards, may be governed by additional terms. In case of conflict, these Terms shall prevail unless expressly stated otherwise in such additional terms.

5.4. The User acknowledges and agrees that their Digital Assets may be stored in pooled accounts together with the assets of other Users. Such assets:

• are not covered by any deposit insurance scheme;
• are not guaranteed to be recoverable in the event of loss or shortfall;
• may be returned partially or not at all in the event of an unrecoverable deficit.

5.5. Unless otherwise provided by the Platform, the User confirms that they are the ultimate beneficial owner of the assets held in their Account and/or Virtual Card and agree not to transfer, assign, or encumber such assets without the Platform's consent.

5.6. Orders will not be accepted if the Account or Virtual Card lacks sufficient assets to execute the transaction and cover all applicable fees.

5.7. All information on the Platform is provided "as is" and may be changed without notice. The Platform does not guarantee its accuracy, completeness, or timeliness and shall not be liable for any losses resulting from its use, delays, malfunctions, or unavailability.

5.8. The User is solely responsible for maintaining the necessary equipment, internet access, and related costs.

5.9. Notifications may be sent via email, SMS, or other communication channels. The User must keep their contact information accurate and up to date.

5.10. Services are provided within the limits of technical feasibility. The Platform does not guarantee uninterrupted operation, protection from cyberattacks, or the absence of errors, delays, or disruptions, including those caused by governmental actions.

5.11. The Platform shall not be liable for losses resulting from suspensions or interruptions caused, among others, by:
(a) scheduled or unscheduled maintenance;
(b) hardware or communication failures;
(c) force majeure events;
(d) actions of third parties, including hacking or malware;
(e) orders of governmental or regulatory authorities.

5.12. The Platform reserves the right, at its sole discretion, to:
(a) correct, cancel, or reverse transactions upon detecting errors, malfunctions, suspected illegal activity, or pursuant to requests from competent authorities;
(b) take measures against manipulative or abusive trading practices;
(c) restrict or block an Account and/or Virtual Card to protect the Platform, its Users, or the market.

5.13. The Platform never requests passwords or private keys from Users. The User bears full risk of loss resulting from the disclosure or leakage of such data.

5.14. The Platform reserves the right to delist any Digital Asset from trading at any time without prior notice.

5.15. In accordance with applicable laws, the User must provide accurate and up-to-date information. Failure or delay in doing so may result in restrictions or suspension of the Account and/or Virtual Card.

Suspension of Services

5.16. The Platform may suspend any or all Services, as well as access to an Account and/or Virtual Card, at any time and without prior notice if:
(a) the User has violated these Terms; or
(b) circumstances arise which, in the Platform's opinion, prevent proper operation of the Services.

5.17. Such circumstances under 5.16(b) may include, without limitation:
(a) computer or telecommunication network failures;
(b) force majeure events;
(c) attempts or actions threatening Platform or User security;
(d) internal system malfunctions;
(e) suspected unauthorized use or violation of law;
(f) compliance with legal, regulatory, or sanction requirements;
(g) discontinuation of support for a specific Digital Asset or Virtual Card service;
(h) any other circumstances deemed necessary by the Platform.

5.18. Return of Assets

In the event of Account and/or Virtual Card suspension, restriction, or blocking due to violations of these Terms, suspected Prohibited Activity, or in compliance with legal or regulatory obligations, the Platform shall have no obligation to return Digital Assets or funds held therein.

The User acknowledges and agrees that:

• returns may be partial, delayed, or entirely impossible;
• any related losses are borne solely by the User;
• the Platform shall not be liable for any damages, including loss of profit, asset devaluation, or restricted access.

6. Virtual Card

6.1. The Virtual Card is an electronic payment instrument issued by the Platform in digital form. It is not a bank card and is not covered by any deposit insurance scheme.

6.2. The Virtual Card may be used exclusively for Digital Asset transactions within the Platform's functionality and in accordance with these Terms.

6.3. Issuance, funding, and use of the Virtual Card may be subject to additional rules and fees established by the Platform. The Platform reserves the right to modify such rules and fees at its discretion.

6.4. Funds held on the Virtual Card:
(a) do not constitute a bank deposit and are not insured;
(b) are not guaranteed to be recoverable in the event of loss or deficit;
(c) may be restricted, frozen, or deducted by the Platform in case of violations of these Terms, applicable law, or regulatory orders.

6.5. The User must use the Virtual Card solely for lawful purposes. Use of the card for Prohibited Activities is strictly forbidden and may result in blocking of the card and/or Account.

6.6. The Platform reserves the right to:
(a) refuse issuance or funding of a Virtual Card without explanation;
(b) temporarily restrict or block card use upon detection of suspicious activity;
(c) cancel a Virtual Card upon Account closure or service termination.

6.7. User Responsibility

The User bears full and exclusive responsibility for:
(a) all transactions conducted via the Virtual Card, whether authorized or not;
(b) safeguarding the card details and other authentication credentials (logins, passwords, confirmation codes, etc.);
(c) use of the card by third parties if access resulted from the User's disclosure or compromise of data;
(d) payment of all fees and charges related to card use;
(e) consequences of erroneous or unauthorized transactions.

6.8. User Risks

By using the Virtual Card, the User acknowledges and accepts all risks, including but not limited to:
(a) total or partial loss of funds due to technical failures, hacking, or fraud;
(b) blocking or restriction of the card due to legal, regulatory, or sanction requirements;
(c) inability to recover funds in case of incorrect transaction details;
(d) currency fluctuation risk when dealing with Digital Assets;
(e) suspension or termination of Virtual Card services;
(f) prohibition or restriction of such instruments in the User's jurisdiction;
(g) absence of insurance or governmental protection;
(h) technical incompatibility of the Virtual Card with certain services or platforms.

6.9. Limitation of Liability

The Platform shall not be liable for any losses, damages, loss of profit, or other consequences arising from the use or inability to use the Virtual Card, except where explicitly required by applicable law.

6.10. The Virtual Card is provided "as is," without any warranty of uninterrupted operation, compatibility with third-party services, or usability outside the Platform.

6.11. In case the Virtual Card service is discontinued, the Platform may cancel all active cards.

7. Trading Operations and Interaction with Digital Assets

7.1. The User may conduct Digital Asset transactions by placing an Order through the Platform's interface.

7.2. Prior to placing an Order, the User must verify all transaction details. By placing an Order, the User confirms full responsibility for the accuracy of all entered data. The Platform shall not be liable for User errors, including losses caused by incorrect details or typos.

7.3. The Platform may be temporarily unavailable due to scheduled maintenance, technical failures, cyberattacks, regulatory actions, or other circumstances beyond its control. While the Platform will endeavor to notify Users of planned downtime, timely notification is not guaranteed.

7.4. The Platform may, at its sole discretion and without prior notice:

• suspend or terminate a User's access to Services;
• reject an Order;
• set transaction or trading limits, if it believes the User has violated or may violate these Terms or applicable laws.

7.5. An Order can only be placed if the User's Account contains sufficient assets to execute it and cover all related fees. The Platform may reject an Order if funds are insufficient.

7.6. Upon placing an Order, the relevant portion of assets is locked until execution, cancellation, or expiration.

7.7. An Order may be withdrawn or canceled only before execution. The User acknowledges and agrees that:
(a) executed transactions are final, irrevocable, and enforceable;
(b) the Platform may cancel or amend transactions only as explicitly provided by these Terms or applicable law;
(c) the User has no right to request reversal of executed trades.

7.8. The User acknowledges and agrees that:
(a) by placing an Order, they instruct the Platform to execute it and agree to pay all related fees; execution is not guaranteed;
(b) the Platform may, at its discretion, set transaction or Order limits per User.

7.9. The User is fully responsible for regularly reviewing their transaction history, Account status, and asset information.

7.10. The Platform makes reasonable efforts to ensure timely execution of transactions. However, delays or disruptions may occur due to system overload, technical issues, market conditions, or external factors. The Platform bears no responsibility for losses, lost profits, or consequences resulting from such events.

7.11. Virtual Card Risks

The User acknowledges and agrees that the use of Virtual Cards entails specific risks, including:
(a) full or partial loss of funds in case of card blocking or service suspension;
(b) inability to recover funds in case of erroneous or unauthorized transactions;
(c) absence of insurance or governmental protection;
(d) technical failures or discontinuation of the service;
(e) fraud and loss of funds due to compromised card details.

8. User Risk

8.1. General Provisions

8.1.1. Investing or trading Digital Assets involves a high level of risk, including the potential loss of all invested funds. Digital Assets have no guaranteed intrinsic value, collateral, or government backing.

8.1.2. Prices of Digital Assets are highly volatile and depend on liquidity, market sentiment, investor confidence, technical risks, and global economic factors.

8.1.3. Use of stop orders, limits, or other risk-control tools does not guarantee loss mitigation; such mechanisms may fail under adverse market conditions.

8.1.4. Users should only invest funds whose loss would not adversely affect their financial situation or standard of living.

8.1.5. The User confirms full understanding of Digital Assets, their operation, and associated risks, and agrees to seek independent professional advice if necessary.

8.2. Past Performance

8.2.1. Historical performance of Digital Assets does not indicate future results and cannot serve as a guarantee of profitability.

8.2.2. The relatively short existence of Digital Assets makes long-term valuation highly uncertain.

8.3. Compliance and Responsibility

8.3.1. The Platform provides no investment, financial, tax, or legal advice.

8.3.2. The Platform acts solely as a technological intermediary for executing Orders and holding Digital Assets.

8.3.3. The Platform does not assess the suitability of Services for any particular User and bears no responsibility for trade outcomes.

8.3.4. All information provided on the Platform is for reference only and does not constitute investment or trading advice.

8.3.5. By creating an Account, the User assumes all risks associated with using the Platform and Digital Assets.

8.4. Availability and Circulation of Digital Assets

8.4.1. Availability of specific Digital Assets for trading is not guaranteed.

8.4.2. A Digital Asset may lose all value or become illiquid due to market or technological factors.

8.4.3. Forks, cyberattacks, protocol changes, and other technological events may affect the existence or value of Digital Assets, beyond the Platform's control.

8.4.4. The User assumes all risks, including hardware, software, and internet failures.

8.5. Currency and Conversion

8.5.1. Transactions may occur in various currencies, and the User bears the risk of exchange rate fluctuations and conversion losses.

8.6. Asset Custody

8.6.1. Digital Assets may be stored with third-party custodians or in pooled accounts. They are not deposits and are not covered by governmental guarantees.

8.6.2. In case of insolvency of third parties, the User holds only an unsecured claim. The Platform is not liable for the actions of such custodians.

8.7. Fees and Transactions

8.7.1. Service fees may apply and are subject to change at the Platform's discretion.

8.7.2. Funds sent in error or transferred to fraudulent parties are non-refundable. The User bears all resulting losses.

8.7.3. The risk of unauthorized Account access and third-party transactions lies solely with the User.

8.8. Technological Risks

8.8.1. Digital Assets are vulnerable to cyberattacks (including phishing, hacking, DDoS).

8.8.2. Lost assets are generally irrecoverable.

8.8.3. Transactions are final and irreversible; an incorrect address may result in total asset loss.

8.9. Regulatory and Legal Risks

8.9.1. The User is solely responsible for compliance with applicable laws, including tax and currency regulations.

8.9.2. Changes in law or regulatory actions may restrict the use or reduce the value of Digital Assets.

8.10. Status and Protection

8.10.1. The Platform is not a bank; Accounts are not insured and are not covered by any government protection schemes.

8.10.2. The User acknowledges and agrees that:

• all risks associated with using the Platform, trading, and storing Digital Assets are borne solely by them;
• the Platform shall not be liable for losses, lost profits, or other consequences arising from market volatility, technical failures, actions of third parties, or government authorities.

9. Account and Verification Procedures

9.1. Account Creation and Verification

To gain full access to the Services, the User must register an Account and complete identification and verification procedures (KYC/AML) by providing accurate, complete, and up-to-date information, including documents confirming identity and residential address.

The User is solely responsible for timely updating their data. In case of providing false, incomplete, or outdated information, the Platform has the right to restrict, suspend, or terminate the provision of Services without any liability to the User.

9.2. Security and Access Management

The User is solely responsible for maintaining the confidentiality of their account credentials, including passwords, keys, and other authentication means.

All actions performed through the Account are deemed to be made by the User. The Platform is not liable for any loss or damage resulting from:

• loss or disclosure of access credentials;
• compromise of the User's devices;
• use of the Account by third parties, regardless of the User's consent.

9.3. Account Operations and Balance

The Platform has the right to withhold, deduct, convert, or block the User's assets if necessary for:

• fulfilling the User's obligations to the Platform or third parties;
• covering losses, expenses, or debts;
• complying with legal requirements, sanctions, or regulatory orders;
• resolving disputes or claims.

9.4. Restriction, Suspension, and Blocking of the Account

The Platform may, at its sole discretion, restrict, suspend, or block the User's Account in cases including, but not limited to:

• violation of these Terms, applicable laws, or regulations;
• suspicion of fraud, illegal activity, or misuse of the Account;
• compliance with regulatory or governmental orders;
• any other circumstances that, in the Platform's opinion, pose risks to the Platform, its Users, or the market as a whole.

9.5. Account Closure

The User may request to close their Account, provided that all obligations are fully satisfied. The User bears all fees, costs, and other obligations related to account closure.

The Platform may refuse to close the Account if such action would violate legal requirements, regulatory orders, or the Platform's internal policies.

9.6. Default and Right of Set-Off

In the event of the User's failure to meet obligations, the Platform may, without prior notice and without any liability:

• liquidate the User's assets;
• withhold, deduct, or convert assets to cover the debt;
• exercise the right of set-off of mutual claims;
• take any other measures deemed necessary to protect its interests.

The User bears full responsibility for any tax, legal, or other consequences of such actions and agrees to indemnify the Platform for any losses if the Account balance is insufficient.

9.7. The issuance and use of virtual cards are allowed only after successful completion of KYC/AML procedures. The User must keep their information up to date, including data required for card issuance and use.

10. License

10.1. The Platform grants the User a limited, non-exclusive, non-transferable, and revocable license to access and use the Platform and related services solely for lawful purposes and strictly in accordance with these Terms. The User agrees not to copy, distribute, transfer, sell, sublicense, modify, publish, or otherwise use the Platform's software, technologies, products, or materials beyond the rights granted herein.

10.2. The Platform provides the license "as is" and makes no express or implied warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted operation.

10.3. The Platform shall not be liable for any direct or indirect losses, including loss of data, profits, reputation, or any other consequences resulting from the User's use or inability to use the Platform, including actions beyond the scope of the granted license.

10.4. The Platform reserves the right to suspend or terminate the User's access to the Platform at any time, without notice, if it suspects a violation of the license terms or these Terms, without any liability to the User.

11. User Obligations

11.1. The User is prohibited from registering more than one Account on the Platform without prior written consent from the Platform.

11.2. The User is prohibited from using another person's Account or granting access to their own Account to third parties.

11.3. The User must not use the Platform or Services in any manner that may harm the Platform, its users, or affect the availability, functionality, or stability of the Platform.

11.4. Use of the Platform and Services for commercial purposes is allowed only with the Platform's written consent.

11.5. The User must comply with all applicable laws, regulations, and regulatory requirements.

11.6. The User is fully responsible for any losses resulting from their actions or omissions, including but not limited to:
(a) data entry errors;
(b) incorrect indication or timing of trade instructions;
(c) loss or disclosure of login credentials;
(d) technical issues with the User's device or network, including viruses or hacking;
(e) transfers of digital assets or fiat funds to incorrect addresses;
(f) execution of instructions transmitted by third parties;
(g) unauthorized transactions;
(h) use of the Account by third parties, regardless of cause.

11.7. The User must verify all data before initiating transfers. In the event of an erroneous transfer of digital assets or fiat funds to any Account, including those controlled by the Platform, a refund may only be made at the Platform's sole discretion, and the Platform bears no obligation to reimburse such funds.

11.8. In case of violation of these Terms, the Platform reserves the right to take any measures it deems necessary, including but not limited to: removing content, freezing funds, suspending or blocking the Account (including confiscation of unlawfully obtained income), and reporting to competent authorities for potential criminal or administrative prosecution. The Platform bears no responsibility for consequences of such measures, including temporary or permanent unavailability of the Account or Services.

11.9. The User is prohibited from transferring the virtual card to third parties or providing access to its details.

11.10. The User must maintain confidentiality of virtual card data (details, confirmation codes, and other authentication means) and bears sole responsibility for all transactions made using it.

12. Modification, Suspension, and Termination of Services

12.1. Modification and Disruption

The Platform reserves the right, at any time and without prior notice, to modify, suspend, alter, or discontinue any Services, including functionality, interfaces, products, and features. The Platform may make such changes without notifying the User or providing reasons.

12.2. Suspension and Termination

The Platform may temporarily or permanently suspend or terminate the provision of Services to the User without prior notice, including but not limited to the following cases:
(a) the User's personal data is found to be false, incomplete, or inaccurate, and no satisfactory correction is provided;
(b) violation of applicable laws, regulations, or regulatory requirements;
(c) breach of these Terms, internal rules, or other agreements with the Platform;
(d) receipt of a binding order from competent authorities or by operation of law;
(e) audit, review, or investigation related to the User's activities;
(f) security concerns regarding the Account or protection of the Platform, the User, or third parties from unauthorized access, fraud, technical failures, or other risks;
(g) force majeure circumstances, including power outages, network failures, cyberattacks, natural disasters, or other unforeseen events preventing normal Service provision.

12.3. Consequences of Suspension or Termination

In case of suspension or termination of Services, the Platform bears no liability for any losses, direct or indirect, including loss of data, income, reputation, or access to services, except as explicitly required by applicable law. The Platform is not obliged to compensate for losses resulting from temporary or permanent Service unavailability, functionality changes, or altered service conditions.

12.4. Additional Protective Measures

The Platform reserves the right to:
(a) restrict, block, or remove access to specific Services, features, or materials without notice;
(b) modify the interaction process between the User and Services, including transaction processing algorithms and limits;
(c) reject any instructions, requests, or transactions if deemed risky, suspicious, or violating these Terms.

12.5. Virtual Card Services

Service suspension or termination may also apply to virtual cards, including their issuance, use, and storage of funds.

13. Confidentiality and Data Protection

13.1. Collection and Processing of Data

The Platform is entitled to collect, store, and process Users' personal data (including data provided during registration, identity verification, and while using the Services) solely to the extent necessary for the performance of these Terms, the provision of Services, compliance with legal requirements, and ensuring the security of the Platform and its Users.

13.2. Use of Data

Personal data may be used by the Platform for:
(a) providing, supporting, and improving the Services;
(b) complying with legal and regulatory requirements;
(c) preventing fraud, illegal activities, and violations of these Terms;
(d) communicating with the User, including notifications, alerts, and messages related to the use of the Services.

13.3. Data Transfer

The Platform may transfer User data to third parties only in the following cases:
(a) when necessary for the performance of the Platform's contractual obligations;
(b) when directly required by law or a competent authority;
(c) when necessary to protect the rights, property, or safety of the Platform, its Users, or third parties.

13.4. Data Storage

Users' personal data are stored for the period necessary to achieve the purposes of processing specified in these Terms and/or for the period required by applicable law.

13.5. User Rights

The User has the right to:
(a) receive information about stored data;
(b) request correction or updating of inaccurate data;
(c) request deletion of personal data, unless such deletion conflicts with applicable law or the Platform's obligations.

13.6. Data Security

The Platform implements reasonable technical and organizational measures to protect personal data from unauthorized access, alteration, disclosure, or destruction. The User acknowledges and agrees that no data storage or transmission system can be completely secure from cyberattacks, technical failures, or third-party actions. The Platform shall not be liable for any losses arising from such incidents.

13.7. Consent to Data Processing

By registering and using the Services, the User confirms their consent to the collection, processing, and storage of personal data in accordance with this section and the Platform's Privacy Policy.

13.8. Limitation of the Platform's Liability

The Platform shall not be liable for any direct or indirect losses, including data loss, loss of income, reputation, or any other consequences arising from the processing, storage, transfer, or disclosure of data as provided in this section and under applicable law.

13.9. Data associated with the issuance and use of virtual cards (identifiers, transaction history, balance information) are processed by the Platform in accordance with these Terms and the Privacy Policy.

14. Transfer of Rights and Obligations of the Platform

14.1. Business Transfer

In the event that the Platform transfers all or part of its business to a third party, the User unconditionally agrees that all relations between the User and the Platform, including but not limited to:
(a) the Account;
(b) digital assets and other funds;
(c) rights and obligations;
(d) data, including personal and protected data;
(e) any other necessary assets, data, rights, and obligations, may be fully or partially transferred to a third party without additional notice to the User and without the need for separate consent.

14.2. Mergers and Restructuring

In the event of a merger, acquisition, corporate restructuring, or any other form of change of control, the Platform has the right to transfer, assign, or otherwise dispose of any information, including User data, assets, and obligations, under the terms determined by the Platform or the relevant third parties.

14.3. Limitation of Liability

The User agrees that the Platform shall not be liable for:
(a) maintaining the same service conditions, rates, or functionality after the business transfer;
(b) acts or omissions of a third party that has received the business, data, or obligations of the Platform;
(c) any losses, expenses, damages, data loss, or reputational harm arising as a result of the business transfer;
(d) any possible modification or termination of the Services following such a transfer.

14.4. Sole Remedy of the User

The User acknowledges and agrees that their sole remedy in case of disagreement with a business transfer is to discontinue the use of the Services and close their Account, provided such closure is legally and technically feasible prior to the transfer.

14.5. No Warranties or Notifications

The Platform is under no obligation to provide the User with any guarantees, notifications, or compensations, whether directly or indirectly related to the business transfer. The User assumes all risks associated with such a transfer.

15. Other Provisions

15.1. Service Interruptions

Due to the nature of the Internet and technical systems, the Platform does not guarantee the continuity, timeliness, or complete security of the Services. The Platform shall not be liable for any interruptions, delays, errors, or failures in the operation of the Services not directly caused by its actions.

15.2. Network Security

The Platform takes reasonable measures to ensure a secure network environment but does not guarantee the absence of viruses, malware, or other potentially harmful factors on its servers or systems. The Platform shall not be liable for damages caused by:
(a) computer viruses, trojans, worms, phishing, spoofing, or other attacks;
(b) the use of fake antivirus software, spyware, or other malicious programs.

The User undertakes to ensure the protection of their own devices and data, and any losses resulting from failure to do so shall be borne solely by the User.

15.3. User Information

The Platform shall not be responsible for the inability to retain, modify, delete, or store any information provided by the User. The User bears full responsibility for backing up and storing their data. The Platform has the right, but not the obligation, to correct errors or omissions in any part of the system.

15.4. Accuracy, Completeness, and Reliability of Information

The Platform does not provide any guarantees regarding the accuracy, completeness, timeliness, or reliability of any content, including advertising and informational materials. The User assumes all risks associated with the use of such information, and the Platform shall not be liable for any decisions or actions taken based on it.

15.5. User Opinions

All comments, reviews, or opinions posted by Users belong solely to them and do not reflect the position of the Platform. The Platform is not responsible for such comments and reserves the right to delete, modify, or block them at its sole discretion without explanation.

15.6. Notifications

Official notifications from the Platform are delivered only through:
(a) publication on the official Platform page;
(b) email or SMS.

The User bears the risk of receiving unauthorized messages from other sources and must verify their origin and authenticity.

15.7. Fees and Charges

The Platform reserves the right to modify the amount of fees and other rates, as well as to introduce new types of fees. All calculations made by the Platform in the course of providing the Services are final and binding on the User.

15.8. Waiver of Compensation

The User unconditionally agrees that the Platform:
(a) is not obliged to pay compensation, reimbursement, lost profits, or any other damages resulting from interruptions, failures, suspension, limitation, or termination of the Services;
(b) is not liable for potential losses caused by changes in fees, tariffs, settlement rules, or other terms of Platform use;
(c) is not obliged to reimburse the User's expenses incurred for ensuring security, data backup, or loss prevention;
(d) does not guarantee the satisfaction of User claims unless expressly required by mandatory provisions of applicable law.

15.9. The Platform does not guarantee the usability of the virtual card beyond the functionality of the Platform or in third-party services. Any such attempts are made solely at the User's own risk.

16. Governing Law and Dispute Resolution

16.1. Governing Law

These Terms, their interpretation, performance, and termination, as well as any claims, counterclaims, disputes, or disagreements of any kind, directly or indirectly arising from or related to these Terms, shall be governed by and construed in accordance with the laws of the Republic of Panama.

16.2. Pre-Trial Settlement

Before filing a lawsuit, the parties agree to attempt to resolve any dispute through negotiations. If the dispute is not resolved within ninety (90) calendar days from the date of submission of a claim, it shall be finally resolved in the competent courts of the Republic of Panama.

16.3. Waiver of Class Actions

The User agrees that claims may only be brought on an individual basis. The User may not act as a plaintiff, representative, or participant in a class, group, representative, or mass action, or any similar proceeding.

16.4. Limitation Period for Claims

Any claim arising from or related to these Terms or their performance must be submitted within three (3) months from the date the dispute arises. After this period, the claim shall be deemed permanently waived and cannot be filed.

16.5. Survival of Provisions

The provisions of this section shall remain in effect even after the termination of these Terms, including after the User ceases to use the Services.

17. Final Provisions

17.1. Severability

If any provision of these Terms is deemed invalid, illegal, or unenforceable in whole or in part, such provision shall be considered separable and shall not affect the validity or enforceability of the remaining provisions. To the maximum extent permitted by law, the invalid or unenforceable provision shall be interpreted or replaced so as to best reflect the original intent of the parties.

17.2. Complaints and Feedback

The User may submit complaints, feedback, or inquiries to the Platform's support service at [email protected]