ETZ Terms of Use

The purpose of this Terms is to regulate the behaviour of users when accepting our service, to protect the legitimate rights and interests of users and to maintain the normal order of the trading platform.

For the convenience of this Terms, the Company and the Website collectively use “ETZ”, “we” or other first-person names in this Terms. As long as the natural person or other subject who visits the website is a user of this website, the convenience of this Terms is as follows, using "you" or other second person. We are a platform for users to conduct digital asset transactions and provide related services (hereinafter referred to as "the service" or "service").

These Terms constitute a legally binding agreement between you (“you” or “your”) and ETZ (Ope Hub, digitalne tehnologije, d.o.o. , a company incorporated under the laws of Slovenia with its registration number 9469796000, an authorized Virtual Currency Service Providers issued by the office of the Republic of Slovenia for Money Laundering Prevention)( “we”, “our” or “us”). The Terms govern your use of the Services made available to you on or through the platform or otherwise. Services may be provided by us or by any our affiliates, if specified in these Terms, any Product Terms or any additional terms.

By registering for an Account, accessing the Platform and/or using our Services, you agree that you have read, understood and accepted these Terms, together with any additional documents or terms referred to in these Terms. You acknowledge and agree that you will be bound by and will comply with these Terms, as updated and amended from time to time. By accessing the Services, you are presumed to agree to be bound by these Terms. If you do not understand and accept the Terms, you should not register for an account or access or use the Service.

All contents of this website are for the convenience of users and may be available in multiple languages. In case of conflict or omission, the English content shall prevail.

1 Risk Warning

1.1 The Digital Assets themselves are not offered by any financial institution, corporation or this Website; The digital asset market is new and unconfirmed, and will not necessarily expand;

1.2 Digital Assets are highly volatile and can fluctuate significantly which can result in substantial economic loss. Before engaging in transactions involving Digital Assets, you should be fully aware of the prices, market fluctuations, and the potential risks involved in any buying, selling, holding, or investing activities.

1.3 You understand that this Website is only intended to serve as a venue for you to obtain digital asset information, find trading counterparties, hold negotiations on and effect transactions of Digital Assets. We are not your broker, intermediary, agent or advisor and we have no fiduciary relationship or obligation to you in connection with any transactions or other activities you undertake when using our Services.

1.4 We do not provide investment or consulting advice of any kind and no communication or information that we provide to you is intended to be, or should be construed as, advice of any kind. All opinions, information, discussions, analyses, prices, advice and other information on this Website are general market reviews and do not constitute any investment advice

1.5 We are not responsible for the decisions you make to buy, earn, sell or hold Digital Assets based on the information provided by us, including any losses you incur arising from those decisions. You are advised to carefully consider and use clear judgment to assess your financial position and the above mentioned risks before making any decisions on buying and selling Digital Assets; any and all losses arising therefrom will be borne by you and we shall not be held liable in any manner whatsoever.

1.6 We do not guarantee that you will obtain stable returns or profits from the virtual assets you purchase. Under no circumstances shall any tokens listed by us be construed as an offer of securities or investment instruments. Our platform does not have any business affiliation or relationship with the virtual assets listed herein.

2 Introduction

2.1 About us. ETZ is an ecosystem built around an online exchange for trading digital assets. We provide users with a trading platform to buy and sell digital assets, an integrated custody solution to store their digital assets, and other services related to digital assets.

2.2 Terms of use. By signing up for an account, you agree to be bound by a legally enforceable contract with us. These Terms set out the rules for your usage of our Services and provide important details about our identity, the way we deliver our Services, our procedure for modifying or ending these Terms, steps to take if any issues arise, and other essential information.

You must read these Terms, together with the Privacy Policy, Risk Warning and any additional Terms from third party services provider carefully. You acknowledge that you will in comply with any relevant additional terms and conditions that apply to you and let us know if you do not understand anything. Where any local terms apply to your use of our services and in conflict with these Terms, the local terms shall prevail.

2.3 Scope of services.We only provides online transaction platform services for you to engage in digital asset trading activities through us (including but not limited to the digital asset transactions etc.). We does not participate in the transaction of Digital Assets as a buyer or seller; We does not provide any services relating to the replenishment and withdrawal of the legal currency of any country. To ensure compliance with global financial regulations, you must adhere to all applicable laws, including but not limited to Anti-Money Laundering (AML), Counter-Terrorist Financing (CFT), and data protection laws. It is your responsibility to remain informed about the legal standards applicable to your transactions and to maintain all records required for compliance.

2.4 Intra-group services. You acknowledge and agree that some of the services may be provided by our affiliates. 

3 Chat services

3.1 Chat services. We may make our interactive online chat service available to you at any time in connection with your use of any of our services. By using chat service, you may interact with a bot, chatbot, or other non-human. In addition, we may make available to you chats that allow you to interact directly with other users of the platform.

3.2 Authorisation. When engaging with us through use of the chat service, you authorize us to disclose your chats to the extent required by applicable law and monitor and save your chats.

3.3 No legal binding effect. The Chat Services are only for the benefit of your correspondence with others while using our platform. Nothing we communicate in the chat service will be considered a legal agreement, representation or warranty as to our services, processes, decisions, or response times.

3.4 Prohibited actions. You must not use the chat service to send or receive information that is illegal, illicit or infringes on the rights and interests of any other person, sending or receiving pyramid scheme information or information or remarks causing other harms, unauthorized use or falsification of the email header information of our platform, inter alia, and doing so may result in termination of the chat service session and may lead to restrictions on the availability of our services to you.

4 Fiat services

4.1 Third party services. For the avoidance of doubt, we does not provide any fiat services e.g. fiat-to-cryptocurrency and/or cryptocurrency-to-fiat, notwithstanding that you may utilize the same on the platform. But ETZ is an authorized entity to provide such services to the public. All fiat services made available (whether on our platform or through a redirection to a third-party website) are provided by third-party service providers (such service provider, a “fiat service provider”).

Unless otherwise stated on our Website, all fiat-related services shall be provided to you by Alchemy GPS Europe UAB. Alchemy GPS Europe UAB is a company organized and existing under the laws of Lithuania, and having its principal place of business at Laisvés pr. 60, LT-05120 Vilnius, Lithuania. It is registered with Registrar of Companies under number 305972625.

By using the fiat services provided by Alchemy GPS Europe UAB, you agree to adhere to their terms and conditions, which are available through their service interface or upon request from their customer service. It is your responsibility to familiarize yourself with these terms and ensure compliance. Our platform disclaims all liability for any actions taken by you or any consequences that arise as a result of your use of third-party services. We do not endorse, verify, or assume responsibility for the accuracy or reliability of any information offered by third-party service providers.

4.2 Granting consent. In the event you wish to utilize fiat services, you must agree to any terms and conditions, rules, policies (or similar documents) provided by our fiat service providers and provide any information that may be required for the purposes of utilizing such services. In this regard, all fiat services, including cancellations, recalls, refunds, or chargeback requests, shall be subject to the terms and conditions of our fiat service providers.

By accepting these terms and conditions, you hereby acknowledge and agree that you have read, accepted and will comply with the terms and conditions (including rules, policies or such other similar documents) provided by ETZ.

You are responsible for maintaining the security of your account credentials including the use of strong, unique passwords, enabling two-factor authentication, and regularly updating your account details. You must also perform due diligence before executing any transactions, including verifying the identity of your trading partners and the terms of your transactions.

4.3 Loading Fiat Wallet. You can load funds into your Fiat Wallet using bank transfer or other available payment methods. The loaded funds will be reflected in your Fiat Wallet balance. Fiat funds in the Fiat Wallet do not earn any interest. You may be able to hold funds in different supported currencies in your fiat wallet.

4.4 Buying/Selling Digital Currency. You can use the fiat funds in your Fiat Wallet to purchase supported digital currencies. The Digital Currency transaction should normally settle within one business day. To carry out a Digital Currency Transaction using fiat funds, you must follow the relevant instructions on the platform. You authorize us to debit the fiat funds from your Fiat Wallet. You can also sell Digital Currency to receive fiat currency in your Fiat Wallet. Your Fiat Wallet can only be used to buy/sell Digital Currency with us, not to transfer funds to other users or for other purposes. We are not responsible or liable for any losses that result from or are in connection with any attempts to use your Fiat Wallet in such prohibited manner, and we may choose to suspend or terminate your account in such circumstances without prior notice.

4.5 Timing of Instructions. Instructions received on non-business days or after 3 pm Hong Kong time on business days may be treated as received on the next business day.

4.6 Revoking Consent.You cannot withdraw consent for a Digital Currency transaction unless it is a future dated transaction, in which case you can withdraw consent up until the business day before the transaction date.

4.7 Unsuccessful Payments. If a payment to load your Fiat Wallet is unsuccessful, we may cancel related Digital Currency transactions or debit your other payment methods to complete the transaction. You are responsible for maintaining adequate balance to and/or sufficient credit limits in order to avoid overdraft, or similar fees charged by your payment provider.

4.8 Account Information.You can view your Fiat Wallet balance, transaction history, fees, and currency exchange details through our platform.

4.9 Redeeming Fiat. You can redeem all or part of fiat funds from your Fiat Wallet at any time. Unless agreed otherwise, funds will be transferred to the bank account you have registered with us. If this Agreement is terminated, we will redeem any fiat funds remaining in your Fiat Wallet and attempt to transfer funds to the bank account you have registered with us. Prior to redeeming fiat funds from your Fiat Wallet, We may conduct checks to prevent fraud, money laundering, terrorist financing and other financial crimes, and as required by applicable law. This may mean you are prevented or delayed from withdrawing fiat funds until those checks are completed to our reasonable satisfaction in order to comply with our regulatory requirements.

4.10 Unauthorized and Incorrect Transactions. Where a purchase of Digital Currency or redemption of fiat funds is initiated from your Fiat Wallet using your credentials, we will assume that you authorized such transaction, unless you notify us otherwise.

You must notify us within 12 months If you believe that a transaction using your Fiat Wallet has been carried out that you did not authorize (an “Unauthorized Transaction”), or if you have reason to believe that a transaction using your Fiat Wallet has been incorrectly carried out or is not complete (an “Incorrect Transaction”).

During any investigation of any actual or potential Unauthorized Transactions or Incorrect Transactions, we reserve the right to suspend your Account to avoid further losses.

4.11 Refund Rights.If an Unauthorized Transaction occurs in your Fiat Wallet as a result of our failure, we will refund you the amount of that transaction by no later than the end of the next business day after becoming aware of the Unauthorized Transaction and restore your Fiat Wallet to the state it would have been in had the Unauthorized Transaction not taken place.

You will be liable for any resultant losses you incur in respect of an Unauthorized Transaction in your Fiat Wallet which arises from your fraudulent or intentional or negligent behaviors.

Where an Incorrect Transaction is made in your Fiat Wallet as a result of our action or error we shall refund to you the amount of that transaction without undue delay and restore your Fiat Wallet to the state in which it would have been had the Incorrect Transaction not taken place. We will also endeavour to provide you with reasonable notice where possible. We will also pay any charges for which we are responsible, and for any interest which you can show that you have had to pay as a consequence of any Incorrect Transaction. Irrespective of our liability, on your request, we shall try to trace any Incorrect Transaction initiated by you free of charge. However, we cannot guarantee that we will be able to trace such transactions.

4.12 Presumption of credit.Where there is a dispute between us and you regarding whether or not a transaction is an Unauthorized Transaction, we may (but are not obliged to) temporarily credit your Fiat Wallet whilst we settle the dispute. Where we determine that the transaction was authorized, we may reverse that credit and correct errors made in any statement of Fiat Wallet without prior notice to you, although please note that during this period your Fiat Wallet may be temporarily locked to avoid further Unauthorized Transactions. You will also be liable to us (as a debt) for any funds you have transferred which was temporarily credited to your Fiat Wallet.

4.13 Withdrawal of consent. By opening an Account with us you provide your explicit consent to us providing the Fiat Services to you. You can withdraw this consent at any time by closing your account. For the avoidance of doubt, this consent does not relate to our processing of your personal information or your rights under and in accordance with data protection law and regulations. Please see Privacy Policy for more information about how we process your personal data, and the rights you have in respect of this.

4.14 Disclaimer. The Fiat Wallet is not a deposit or investment account which means that your funds will not be protected by the Deposit Insurance Scheme operated by your applicable regional law.

5 Digital currency services.

5.1 General overview.Your Digital Currency Wallet lets you send, request, receive, and store Digital Currency from other users or third parties outside our platform via the Site. Each of these actions is termed a “Digital Currency Transaction”.

The Digital Currency Exchange Service allows you to buy Digital Currency on our Platform using:

We facilitates the buying and selling of Digital Currency between customers on its platform.

5.2 Fiat currency transactions (excluding Fiat Wallet). You can purchase supported Digital Currency by linking a valid payment method to your Digital Currency Wallet. You authorize us to debit funds using your selected payment method(s) to complete your purchase.

Although we aims to deliver Digital Currency promptly, funds may be debited before the transaction is confirmed and the Digital Currency is delivered to your wallet. You may sell Digital Currency in exchange for fiat currency supported by us, authorizing us to debit your Digital Currency Wallet and credit your selected payment method(s) as soon as reasonably possible. Fiat currency should be credited to your payment method(s) by the end of the next business day after instructions are sent.

5.3 Transaction fulfilment. We will make reasonable efforts to complete all Digital Currency purchases but may notify you if unable to do so, seeking your approval to retry the purchase at the current Exchange Rate.

5.4 Payment method availability. The availability of payment methods depends on several factors, including your location, provided identification information, and restrictions imposed by third-party payment processors.

5.5 Conversion fees.Each Digital Currency purchase or sale is subject to a "Conversion Fee," displayed on the site before each transaction and stated in your receipt. We may adjust conversion fees at any time and will not process a transaction if the fees exceed the transaction value. A full list of fees can be found on the pricing and fees disclosures page.

5.6 Exchange rates.Each Digital Currency purchase or sale is subject to the exchange rate, the fiat currency price of the Digital Currency quoted on the Site. The exchange rate is shown as a "Buy Price" or "Sell Price." You acknowledge that the Buy and Sell Prices may differ and that we may add a margin. You agree to the exchange rate when authorizing a transaction. We does not guarantee the availability of any exchange rate or that you will be able to buy or sell Digital Currency at a specific price or time.

5.7 Authorizations; Reversals; Cancellations. Clicking the "Buy" or "Sell" button authorizes us to initiate the transaction at the quoted price and agrees to associated fees. Transactions marked as complete or pending cannot be canceled, reversed, or changed. If a payment is unsuccessful or has insufficient funds, you authorize us to cancel the transaction or debit other payment methods or wallets to complete it. You must maintain an adequate balance to avoid payment issues. We may suspend access to its services until payment issues are resolved.

5.8 Digital currency transactions. transactions are processed according to your instructions. Verify all information before submitting instructions. We does not guarantee the identity of any user or third party and is not liable for inaccuracies. Digital Currency Transactions cannot be reversed once broadcast to the network. If the recipient does not have a account and does not open one within 30 days, the Digital Currency will be returned to your wallet. We may charge network fees ("miner fees") to process transactions and will notify you of these fees at the time of authorization. The person initiating a transaction from an external wallet is responsible for executing it properly, including paying miner fees. We are not responsible for delays or losses due to errors in transaction initiation.

5.9 Supported digital currencies. The Services are only available for supported digital currencies, which may change over time. We may offer recovery attempts at our discretion, subject to applicable fees. We only list utility and payment tokens, not securities tokens. Do not use your Wallet for unsupported currencies, as we are not liable for any losses. Unsupported assets sent to your account will be lost.

5.10 Ending Support for a digital currency.We may terminate support for a Digital Currency, providing at least 10 days' prior notice (or shorter if required by law or regulation). If you do not sell or transfer the Digital Currency off the platform during this time, we may withdraw it from your account and credit you with the market value in a supported currency which is a type of stablecoin.

5.11 Risk disclosure. Using Digital Currency services involves various risks, including but not limited to cyber attack market volatility, technical difficulties, and regulatory changes. You should be aware of and understand these risks and carefully consider and evaluate them before using our services.

5.12 Limitation of liability. To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, or punitive damages arising from the use of its Digital Currency services, including but not limited to loss of profits, data loss, or business interruption. Regardless of the form of action, our total liability to you will not exceed the total fees you paid to us in the twelve months preceding the event giving rise to the liability.

5.13 Termination and suspension.We may terminate or suspend your access to Digital Currency services at any time without prior notice. If we suspects that you have violated any terms or are involved in illegal activities, it may immediately terminate or suspend your account. You may also close your account at any time, but you are responsible for all transactions and fees incurred before the account closure.

5.14 Notice of changes. These Terms constitute a legally binding agreement between you and us, subject to modification under the following conditions: We will notify you of any changes to these Terms at least 30 days before they become effective via email or an announcement on our platform. If you disagree with the revised Terms, you have the right to close your account before the modifications take effect.

5.15 Forks. You acknowledge that we do not have control over, nor can we influence, the creation or execution of a Fork. We cannot assure the security, functionality, or the supply of any Digital Asset affected by a Fork, including the new Dominant Digital Asset or any other resulting Digital Assets. You understand that you may lose value associated with the relevant Digital Assets and that trading of Forked Digital Assets on our Platform might not be available.

We are also not obligated to support any Fork associated with Digital Assets that you hold in your Account, regardless of whether any resulting Forked Digital Asset is considered dominant. During the period we evaluate whether or not to support a Fork of a specific Digital Asset, we may temporarily suspend related Services. If we decide to support a Fork, we will publicly announce our decision through our Website or other appropriate communication channels.

5.16 Forks and Airdrops. ETZ does not provide any commitments, warranties, or guarantees regarding the results of, or support for, potential or proposed Forks, Forked Digital Assets, or Airdrops. If you intend to participate in any potential or proposed Fork or Airdrop, please ensure that you withdraw the relevant Digital Assets to your own private wallet well in advance.

Furthermore, ETZ reserves the right, at its sole discretion, to decide whether to claim, list, or distribute any Forked Digital Asset, Airdrop, or other Digital Assets, and to set the terms and conditions (including eligibility requirements) applicable to such claiming, listing, or distribution processes.

5.17 Backed Digital Assets. We may occasionally facilitate Digital Assets that claim to be supported by, linked to, or pegged in value against another asset, including but not limited to fiat currencies, Digital Assets, or commodities such as gold or silver (collectively referred to as "Backed Digital Assets"). You expressly acknowledge and agree to the following:

(a) Before conducting any transaction involving a Backed Digital Asset, you have thoroughly reviewed, understood, and agreed to all applicable terms, conditions, and risks associated with that specific asset.

(b) Under no circumstances does ETZ have any obligation—now or in the future—to purchase, repurchase, redeem, or assist in redeeming your holdings of any Backed Digital Assets.

We provide no guarantees or assurances regarding whether a particular Backed Digital Asset will maintain its value relative to the underlying asset. Additionally, we make no representations about the adequacy, amount, or quality of reserves or collateral maintained by issuers or third parties in relation to these assets. Furthermore, we retain the sole discretion to modify, suspend, or terminate any service related to any Backed Digital Asset at any time without prior notice.

Such Backed Digital Assets listed by us will not provide dividend or interests to the holder.

6 Fees and calculations

6.1. Payment of fees.You agree to pay all applicable fees set out on the Fee Structure page on our Website or in any relevant Product Terms. We are authorized to deduct from your account all applicable fees, commissions, interest, charges and other sums you owe under these terms or any product terms, based on the calculation method set out on our Fee Structure page. If you owe us an amount in one digital asset but do not have sufficient assets in that digital asset, we may deduct the sums owed from your other Digital Assets (in which case we will convert the digital asset you hold into the digital asset in which the sums owed to us are denominated (or the Fiat Currency equivalent), at the current rate offered on the platform or at such other commercially reasonable rate as we may determine). If your Account lacks sufficient Digital Assets, you acknowledge that any amount due and payable from you under this clause is a direct debt you owe to us, in the amount and form as we may determine in a commercially reasonable manner.

6.2. Amending our fees. We may adjust our fees from time to time.

6.3. Calculations.Unless there is a Manifest Error, any calculations made by us in connection with our services are final and binding. Calculations will be made in accordance with the stated methodology for the relevant service, in good faith by us.

7 Account setup

7.1 Account opening and sole benefit.To use our services, you will need to register for an account by providing your details, including your name, email address and a password and accepting the terms of this Terms.

By opening an account, you agree that:

You are fully responsible for all activities that occur under your account.

7.2 Eligibility. To be eligible to register for an account and use our services, you must:

7.3 Changes to our eligibility criteria. We may change our eligibility criteria at any time at our sole discretion. Where possible, we will give you advance notice of the change. However, we may occasionally need to make changes without giving you prior notice. This may include where:

If we are unable to give you prior notice, we will notify you of the change as soon as practicable after it is made. If you continue to use your account, you will be deemed to have met our latest eligibility criteria. You should be responsible for any losses caused by your misrepresentation of your eligibility. We will close your account and delete any information you have provided as soon as possible if we find that you are ineligible to use our services.

7.4 Identity verification. You must comply with our identity verification procedures before you can open an account and access and use our services, whether independently or through a third party service, by providing us with certain information about yourself and, where applicable, any of your authorised users for the purposes of identity verification and the detection of money laundering, terrorist financing, fraud, or any other financial crime. All information you provide must be complete, accurate and truthful. You must update this information whenever it changes.

You authorise us, whether directly or through third parties, to make such enquiries as we consider necessary to verify your identity and that of any permitted users or to protect you and/or us against fraud, money laundering, terrorist financing or other financial crime, and to take such action as we deem necessary based on the results of such enquiries.

If we make enquiries, you acknowledge and understand that your personal data and that of any permitted users may be disclosed to identity verification, compliance data collection, credit reference, fraud prevention or financial crime agencies and that these agencies may respond in full to our enquiries.

The information we/our third party service provider(s) request may include but is not limited to personal information such as your name, residential address, telephone number, email address, date of birth, taxpayer identification number, government identification number, information regarding your bank account (such as the name of the bank, the account type, routing number, and account number) network status, customer type, customer role, billing type, mobile device identifiers (e.g. international mobile subscriber identity and international mobile equipment identity) and other subscriber status details. You can read our Privacy Policy for more information about how we process your personal data.

In the event of a dispute, you should first contact our customer support team to seek resolution. If the issue is not resolved to your satisfaction, you may file a formal complaint via our provided electronic form. We will address your complaint and respond with a proposed resolution within forty-five (45) days of receipt. If resolution is not achieved, you may seek arbitration as described in our Terms.

The KYC procedure can be carried out via videos identification. If you are a corporation, you may provide a power of attorney on a mandate to complete the KYC procedure.

7.5 Enhanced due diligence. We may also require you to comply with our enhanced due diligence procedures by providing us with additional information about you, your business or your permitted users, by providing us with additional records or documentation, or by meeting with representatives of us in person according to the applicable law in your jurisdiction.

We may request that you submit additional information about yourself or your business, provide relevant records, and arrange for meetings with our staff so that we may, among other things, establish the source of your wealth and source of funds for any transactions carried out in the course of your use of our services.

In providing us with this or any other information that may be required, you confirm that the information is true, accurate and complete, and you have not withheld any information that may influence our evaluation of you for the purposes of your registration for an account or the provision of our services to you. You undertake to promptly notify in writing and provide us with information regarding any changes in circumstances that may cause any such information provided to become false, inaccurate or incomplete and also undertake to provide any other additional documents, records and information as may be required by our and/or applicable law. You permit us to keep records of such information. We will treat this information in accordance with Privacy Policy.

You authorise us to make enquiries, whether directly or through third parties, that we consider necessary to verify your identity or protect you and/or us against fraud or other financial crime, and to take action we reasonably deem necessary based on the results of such enquiries. When we carry out these enquiries, you acknowledge and agree that your personal information may be disclosed to credit reference and fraud prevention or financial crime agencies and that these agencies may respond to our enquiries in full. This is an identity check only and should have no adverse effect on your credit rating. Additionally, we may require you to wait some amount of time after completion of a transaction before permitting you to use further services and/or before permitting you to engage in transactions beyond certain volume limits.

7.6 Records. We will retain your personal information to enable you to continue to use our services, for as long as is necessary to fulfil the relevant purposes described in this Privacy Policy, and as may be required by law, such as for tax and accounting purposes, compliance with anti-money laundering laws, or as otherwise notified to you. Please review our Privacy Policy for more information on how we collect and use your personal information in connection with the use and performance of our websites and our services.

8 Account usage

8.1 Accessing your account. To access your account, you or, where applicable, your authorised users must have the necessary equipment (such as a computer or smartphone) and access to the internet. Your account may be accessed directly through the platform or through such other means of access (including APIs) as we may prescribe. You may only access your account using the access credentials we provide to you or your authorised users for such purposes. We may require multi-factor authentication to keep your account secure. Use of the Platform and other access methods may be subject to such additional terms and conditions as we may notify you.

8.2 Third party access. If you authorise an appropriately regulated third party ("Regulated Third Party") to access your Digital Currency Wallet, you expressly authorise a Regulated Third Party to access or connect to your Account(s), either through the Regulated Third Party's product or service or through the Site, and you acknowledge that authorising a Regulated Third Party to take certain actions on your behalf does not relieve you of any of your responsibilities under this Agreement. You shall be fully responsible for all acts or omissions of any Regulated Third Party with access to your Account(s) and any act of such Regulated Third Party shall be deemed to be an act authorised by you. You further acknowledge and agree that you will not hold us responsible for, and will indemnify us against, any liability arising out of or related to any act or omission of any Regulated Third Party with access to your account(s). You may change or remove permissions granted by you to a Regulated Third Party with respect to your account(s) at any time through the tabs on the ‘Settings’ page on the site. Services provided by third parties accessed through our platform are subject to their own terms and conditions. We are not responsible for any third-party content accessed through our services or any transactions with third parties initiated through our platform. You acknowledge that third-party services may present additional risks and you assume all responsibilities associated with the use of any third-party services.

8.3 Giving instructions. You must ensure that each Instruction submitted is complete and accurate. We are not required to verify the accuracy, authenticity or validity of any Instruction and we will not monitor or reject any Instruction on the basis that it is or appears to be a duplicate Instruction. However, if we are in any doubt as to the accuracy, authenticity or validity of any instruction, we may refuse to act upon or delay acting upon the instruction or request further information in respect of the instruction. Instructions are irrevocable and therefore, once an Instruction has been submitted, you or your authorised users have no right to revoke or withdraw it without our written consent. Your Instruction will not be deemed to have been received by us until it has been received by our server. Our record of all Instructions will be conclusive and binding on you for all purposes.

8.4 Acting on your instructions. By submitting a transaction Instruction, you or your authorised users authorise us to initiate the transaction on your account. We are therefore authorised to credit or debit your account (or provide settlement information to third parties for the purpose of third party credit or debit) in accordance with your instruction. If you do not have sufficient Digital Assets in your account to effect the transaction (i.e. less than the amount required to settle the transaction and pay any fees associated with the transaction), we will have the right to refuse to effect any transaction. We may also refuse to execute any instruction to the extent permitted by these Terms. It is your responsibility to maintain sufficient Digital Assets in your account.

8.5 Protection of instructions. You are aware that Instructions and information transmitted on the platform or by email are generally transmitted via the internet and may be routed via public, transnational installations which are not specifically protected. We cannot guarantee that the Instructions and information transmitted will be completely protected against unauthorised access, and you accept the associated risks.

8.6 Entering into transactions. You may enter into Transactions directly with us, or directly with other users, which may or may not be facilitated by us. We do not represent or warrant that any Transaction will be completed successfully or within a specific time period.

8.7 Unauthorised transactions. You are responsible for the control and use of your account. As such, we will assume that you, or an authorised user, have authorised any instruction sent from your account unless we are notified otherwise. It is important that you monitor your account history to ensure that any unauthorised or suspicious activity on your account is identified and reported to us as soon as possible. We will not be responsible for any claims or losses arising from any transaction executed as a result of an unauthorised instruction unless you have notified us in accordance with this clause and our internal investigation confirms that you or an authorised user did not authorise the instruction in any way, including by mistake, negligence, error or as a result of fraud, and it is proven that the unauthorised instruction was due solely to a technical problem attributable to us.

8.8 Retention of transaction information. In order to facilitate compliance with global industry standards for data retention, you agree that we may (but do not have to) retain a record of all transactional information for the life of your account for as long as necessary to fulfil its intended purpose or for such other period as may be required by applicable law. Please see our Privacy Policy for more information about how we collect and use information relating to the use and performance of our sites and services.

8.9 Transactions limits. The use of all our services is subject to a limit on the volume, expressed in HKD, USD, GBP, EUR or other fiat or Digital Currency, that you may transact or transfer in a given period of time (e.g. daily). You can view your limits by logging into your account and reviewing your settings. Your transaction limits may vary depending on your payment method, the verification steps you have completed, and other factors. We reserve the right to change applicable limits as we see fit. If you wish to increase your limits beyond the posted amounts, you may submit a request to us.

8.10 Withdrawals. Subject to these Terms and any applicable Product Terms, and provided that you have sufficient balance on your account and the relevant Digital Assets are not on hold in your account in connection with any service, you may give Instructions to us to transfer Digital Assets to an external wallet address by submitting a withdrawal request on the platform. Upon receipt of the withdrawal request, we will: (i) deduct your account balance; and (ii) initiate an on-chain transfer to an external wallet designated by you. We may not process a withdrawal request if, in our reasonable opinion, we consider that applicable law prevents the execution of the relevant withdrawal. We may also suspend withdrawals at such time deemed appropriate by us to resolve any incidents on the platform. Once such incidents have been resolved, we will resume withdrawals.

9 Account closure

9.1 Right to close your account. You may terminate your account at any time by following the account termination procedures that we may require from time to time. You will not be charged any fees for terminating your account, although you will be required to pay any outstanding monies due to us. You authorise us to cancel or suspend any pending transactions at the time of termination and to deduct any outstanding monies owed by you to us from your account. In certain cases you may not be able to close your account, including where:

9.2 Power to close your account. Your account may be suspended or terminated for misuse, illegal activities, or at our discretion for security reasons. Specific behaviors leading to suspension or termination include, but are not limited to, fraudulent transactions, violation of trade sanctions, and breaches of our operational security protocols. The process for contesting a suspension or termination will be clearly outlined in our user support and dispute resolution procedures.

9.3 Closed account. If your Account is closed, you will be required to surrender all Digital Assets held in your Account. If you fail to withdraw your Digital Assets, or if you have not accessed your account for a continuous period of 90 days, we will send you a notice of our intention to treat your account as dormant.

9.4 Dormant account. If you do not respond to the notice in paragraph 8.2 within 30 days, we may:

You acknowledge that we are not obliged to pay any reward, incentive or interest that we would otherwise have agreed to pay under the applicable Product Terms to your dormant account in respect of the Digital Assets credited to it.

10 Suspension, termination, and cancellation

10.1 Our possible measures. We may at any time modify or discontinue, temporarily or permanently, any portion or feature of our services. Here are some possible measures we may take including but not limited to:

We may also refuse to complete or block, cancel or reverse a transaction authorised by you if there are insufficient funds in your Fiat Wallet and/or insufficient Digital Currency in your Digital Currency Wallet to cover the transaction and (where applicable) associated fees at the time we receive notification of the transaction, or if your credit or debit card or other valid payment method associated with your account or Digital Currency Wallet is declined.

10.2 Prior notice. If we refuse to complete a transaction and / or suspend, restrict or close your account, and / or terminate your use of our services, we will (unless it would be unlawful for us to do so) provide you with notice of our actions and the reasons for refusal, suspension or closure, and where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension or closure of your account. In the event that we refuse to complete a transaction and / or suspend your account we will lift the suspension or complete the transaction as soon as reasonably practicable once the reasons for refusal and / or suspension no longer exist. However, we are under no obligation to allow you to reinstate a transaction at the same price or on the same terms as the suspended, reversed or cancelled transaction.

We may suspend, restrict, or terminate your access to any or all of our services and/or deactivate or cancel your account, without reason by giving you two months’ notice. You acknowledge that our decision to take certain actions, including limiting access to, suspending, or closing your account, may be based on confidential criteria that are essential for the purposes of our risk management and security protocols. You agree that we are under no obligation to disclose the details of its risk management and security procedures to you.

10.3 Consequences of termination or suspension. Upon termination of this Agreement for any reason, unless prohibited by applicable law or by a court or other order to which we are subject in any jurisdiction, you may access your Account:

If we suspend or close your Account or terminate your use of our Services for any reason, we reserve the right to require you to repeat the procedures set out in section 3.3 (Identity Verification) before allowing you to transfer or withdraw any Digital Currency or fiat money. You may cancel your Account at any time by withdrawing all funds in your Fiat Wallet(s) and Digital Currency Wallet(s) and initiating the cancellation process. You will not be charged any fees for cancelling your account, although you will be required to pay any outstanding monies due to us. You authorise us to cancel or suspend any pending transactions at the time of termination.

11 Liability

11.1 Third-party claims. You hereby undertake and agree to indemnify us and hold us harmless upon demand from and against any claims, suits, actions, demands, disputes, allegations, or investigations brought by any third-party, governmental authority, or industry body, and all claims, liabilities, damages (actual and consequential), losses (including any direct, indirect or consequential losses, loss of profit, loss of reputation), costs, and expenses, including without limitation all interest, penalties and legal and other reasonable attorneys’ fees and other professional costs and expenses (“Losses”), arising out of or in any way connected with:

11.2 Release clause. If you have a dispute with one or more users of our services, you hereby irrevocably and unconditionally agree that neither we, nor our affiliates or service providers, nor any of our respective officers, directors, agents, joint venturers, employees and representatives shall be liable for any claims, demands and damages (actual and consequential, direct or indirect) of any kind or nature whatsoever arising out of or in any way connected with our services (including any Digital Asset Transactions) or the subject matter of these Terms. If part of our services are provided by a third party, you shall recover damages arising from your use of that part of services from such third party. You hereby irrevocably and unconditionally agree to release us from any form of supplementary liability.

11.3 Indemnity against us. Your use of our Platform shall be subject to these Terms and the applicable laws of your location, if we are subject to recovery from other users or third parties as a result of your improper use of our Platform. You agree to indemnify and hold us, our affiliates and service providers and our or their respective officers, directors, agents, employees and representatives harmless from and against any and all costs (including attorneys' fees and any fines, costs and penalties imposed by any governmental agency) reasonably incurred by us, our affiliates and service providers, and our or their respective officers, directors, agents, employees and representatives, in connection with any claim, demand, or damages arising out of or in any way connected with any breach of the Terms and/or our enforcement of the Terms by you, or any violation by you of any law, rule, or regulation, or any third party right. fines, costs or penalties imposed by any governmental authority).

11.4 Limitation of liability and loss. Neither we nor any of our affiliates will have any responsibility or liability for any loss suffered by you or any third party except to the extent that such loss arises solely and directly as a result of our gross negligence, wilful misconduct, actual fraud or a substantial and continuing breach of our obligations under these terms and conditions. However, without prejudice to any other clause in these Terms, you hereby acknowledge and agree that in no event will we or any our affiliate be responsible or liable to you or any other person or entity for:

11.5 Disclaimer for cyber attacks and technical issues. We are not liable for any damage or interruptions caused by any computer viruses, spyware, scareware, Trojan horses, worms, or other malware that may affect your computer or other equipment, or any phishing, spoofing, or other attack. We advise the regular use of a reputable and readily available virus screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks. We advise you to exercise caution when reviewing messages that appear to originate from us. You and, where relevant, your permitted users are responsible for all login credentials, including usernames and passwords. You must keep security details safe at all times. In the event that your hardware fails, is damaged or destroyed, or any records or data stored on your hardware are corrupted or lost for any reason, we will not be liable for any loss incurred by you. You are responsible for any loss incurred by your use of the internet to connect to the Services or any technical problems, system failures, malfunctions, communication line failures, high internet traffic or demand, related issues, security breaches or any similar technical problems or defects experienced. We commit to maintaining the reliability and performance of our platform but cannot guarantee uninterrupted service. Regular system maintenance will be announced at least 24 hours in advance, and we will provide updates during any unplanned downtime.

11.6 Non-provision of fiat currency services. For the avoidance of doubt, any balance on your account displayed and denominated in a Fiat Currency shall not be taken to mean that we directly hold Fiat Currency, nor does it mean that we receive, hold, or release any Fiat Currency or engages in deposit taking, remittance or similar activity in respect of Fiat Currency. We do not offer fiat currency services. All fiat currency services are provided by third parties and you are subject to the third party's terms of use and privacy policy.

12 Customer feedback, queries, complaints and dispute resolution

12.1 Contact approach. If you have any feedback, questions, or complaints, contact us via our ‘Customer Support’ webpage at . When you contact us please provide us with your name, email address, your account,, and any other information that we may need to identify you. Attached with the transaction on which you have feedback, questions, or complaints.

12.2 Pre-arbitration procedure for disputes. If you have a disagreement or dispute with us, you agree to contact our support team in the first instance to attempt to resolve such dispute. If we cannot resolve the dispute through our support team, you and we agree to use the complaints process set out in this Section. You agree to use this process before commencing any action against us. If you do not follow the procedures set out in this Section before pursuing action against us. However, nothing in Section shall be construed as preventing either party from seeking conservatory or similar interim relief in any court of competent jurisdiction. We shall have the right to ask the relevant authority to dismiss your application unless and until you complete the following steps:

12.3 Agreement to individual arbitration. In the absence of applicable law requiring or providing for a choice otherwise, you and us agree that any claim shall be determined by mandatory final and binding individual (not class, see next paragraph) arbitration administered by the Hong Kong International Arbitration Centre (“HKIAC”) in accordance with the HKIAC Rules for the time being in force, which rules are deemed incorporated by reference in this clause. The seat of arbitration shall be Hong Kong. The seat of arbitration shall be Hong Kong. these Terms (including this arbitration agreement) shall be governed by, and construed in accordance with, the laws of Hong Kong. The language of the arbitration shall be in English. The arbitration provisions set forth in this clause will survive termination of these Terms. It is agreed that any claims shall be brought against us in an arbitration on an individual basis only and not as a plaintiff or class member in a purported class or representative action. Furthermore, you agree to waive any right to pursue such claims collectively, as a representative action, or through a private attorney general. This waiver is subject to applicable law. It is not permitted to combine or consolidate individual arbitrations into a single arbitration without the consent of us. The parties agree that the arbitration proceedings shall be kept confidential. The existence of the arbitration, the existence or content of the claim, all documents and information provided or exchanged in connection with the arbitration, and any submissions, orders or awards made in the arbitration shall be kept confidential. No party shall disclose any of the foregoing to any third party except the tribunal, the HKIAC, the parties, their counsels, experts, witnesses, accountants and auditors, insurers and reinsurers, and any other persons necessary to the conduct of the arbitration. If we initiate arbitration against you, we will send you a notice at the email address or mailing address you provided. It is your obligation to ensure that the email address and/or mailing address provided is current and accurate. You agree that any notice sent to such email address or mailing address shall be deemed effective for all purposes, including, but not limited to, determining the adequacy of our services.

13 General

13.1 Compliance with applicable law. It is your responsibility to comply with all applicable laws, regulations, licensing requirements and third party rights (including but not limited to data privacy laws, anti-money laundering and countering the financing of terrorism laws) in your use of our services, our platform and site.

13.2 Limited licence. Subject to the terms of this Agreement, we grant you a limited, non-exclusive, non-transferable licence to access and use our platform and related content, materials, and information (collectively, the "Content") only for the purposes we may permit from time to time. Any other use of our platform or the Content is expressly prohibited, and all other rights, title and interest in and to the Site or the Content are the exclusive property of us. You agree not to reproduce, transmit, distribute, sell, licence, reverse engineer, modify, publish, or participate in the transfer or sale of, create derivative works from, or in any other way exploit any Content, in whole or in part. All logos associated with our service or displayed on the site are trademarks or registered trademarks of us. You may not copy, imitate or use them without our prior written consent.

13.3 Prohibited and conditional use. In connection with your use of our services and your interactions with other users and third parties, you agree to comply with all applicable laws and these Terms. You promise not to utilise our services for any illegal, offensive, abusive or restricted activities in your jurisdiction. Nothing contained herein should be construed as granting, by implication, estoppel or otherwise, any licence or right for fiat funds or Digital Currency to be used for illegal, unlawful, fraudulent, unethical, or unauthorised purposes or to promote or facilitate any illegal, unlawful, fraudulent, unethical or unauthorised activities. We reserve the right at all times to monitor, review, retain and/or disclose any information as necessary to satisfy any applicable law, regulation, sanctions programs, legal process or governmental request.

13.4 Force Majeure. We will not be liable for any delay or failure to perform as required by these Terms to the extent the delay or failure is caused by a Force Majeure Event.

13.5 No waiver. We may not always strictly enforce our rights under this Agreement. If we do choose not to enforce our rights at any time, this is a temporary measure and we may enforce our rights strictly again at any time. Any delay or omission on our part in exercising any right or remedy under the Terms will not operate as a waiver of the future exercise of that right or remedy or of any other rights or remedies under the Terms. The rights and remedies set out in the Terms are in addition to, and not in lieu of, any rights or remedies provided by applicable law.

13.6 No transfer or assignment. Please be advised that you may not assign or transfer any of your rights or obligations under the Terms without our prior written consent. In some cases, this may require additional information to be provided or enhanced due diligence to be performed. However, we reserve the right to assign or transfer any of our rights or obligations under the Terms at any time to any third party, including, without limitation, in connection with any merger, acquisition, or other corporate reorganization involving us.

13.7 Severability of validity. It is acknowledged that the provisions of this Terms shall be subject to legal changes. In the event that any part or sections of these Terms are found to be unlawful, invalid or unenforceable in any respect, the legality, validity or enforceability of the remaining parts or sections shall not be affected or impaired.

13.8 Language. These Terms may be translated into a language other than the English language. Any such translation is provided solely for your convenience. In the event of inconsistency or ambiguity, the English text will prevail.

13.9 Interpretation. Section headings in this Terms are for convenience only and shall not govern the meaning or interpretation of any provision of this Terms.

13.10 Third party rights. Please note that, with the exception of our affiliates, nothing expressed or referred to in these Terms will be construed to give any person other than the parties to these Terms any legal or equitable right, remedy, or claim under or with respect to these Terms or any clause or sub-clause of these Terms. Our right to vary these terms may be exercised without the consent of any person or entity who is not a party to the Terms. The Terms and all of its clauses and sub-clauses are for the exclusive benefit of the parties to these Terms and their successors and permitted assigns.

13.11 Death of account holder. For security reasons, if we receive legal documentation confirming your death or other information leading us to believe you have died, we may suspend your account and during this time, no transactions may be completed until:

In accordance with the aforementioned stipulations, the opening of a new account by a designated executor/trustee is mandatory following the death of an account owner. You hereby agree that your executor/trustee will be required to open a new account and provide the information required under Section 7 of this Terms and Conditions in order to gain access to the contents of your account.

13.12 Survival. Please be advised that all provisions of this Terms which by their nature extend beyond the expiration or termination of this Terms, including, without limitation, the sections relating to suspension or termination, account closing, debts owed to us, general use of our platform or site, disputes with us, and general provisions, will continue to be binding and operate after the termination or expiration of this Terms.

13.13 Export controls & sanctions. Please note that your use of our services and the site is subject to international export controls and economic sanctions requirements. By sending, receiving, buying, selling, trading or storing digital currency through the site or our services, you agree to comply with the relevant requirements. You are not permitted to acquire Digital Currency or use any of our services through the platform if:

You hereby represent, warrant and undertake to us that the funds you are using to purchase digital currency are from legitimate sources and do not constitute the proceeds of criminal conduct, or realisable property, or the proceeds of terrorism financing or property of terrorists, as defined in the related law in Hong Kong or any other equivalent law in a jurisdiction outside Hong Kong, the funds in question are not derived from or related to any unlawful activities. Furthermore, you agree not to use digital currency to finance, engage in, or otherwise support any unlawful activities.

13.14 Tax. It is your responsibility to determine whether any taxes apply to the payments you make or receive, and to collect, report, and remit the correct tax to the appropriate tax authority. You agree that we are not responsible for determining whether any taxes apply to your use of our services, or for collecting, reporting or remitting any taxes arising from any transaction or use of our services. You acknowledge that we may be required to make certain reports to tax authorities regarding transactions made on the platform. Furthermore, we may, in our sole discretion or as required by applicable law, provide you with additional documentation or records needed by you to calculate any tax obligations. Lastly, we reserve the right to withhold and deduct at source any taxes due under applicable law.

13.15 No agency. Nothing in this Terms shall be deemed or is intended to be deemed to have created, implied or otherwise treated us as your agent, trustee or other representative, unless it is provided otherwise in this Terms.

13.16 No partners. Nothing in this Terms shall be deemed or is intended to be deemed, nor shall it cause, either you or us to be treated as partners or joint ventures.

13.17 Privacy of others. In the event that you receive information about another user through our services, you are required to maintain the confidentiality of such information and to utilise it solely in connection with our services. You may not disclose or distribute a user’s information to a third party or use the information except where it is reasonably necessary to carry out a transaction and other functions reasonably incidental thereto, such as support, reconciliation and accounting. In such cases, you must obtain the user’s express consent. Please note that you may not send unsolicited communications to another user through our services.

13.18 Set-off. In addition to any legal or other remedy available under the Terms or by law, we reserve the right to set off any amounts you owe to us under the Terms or otherwise. You are required to pay all sums that you owe to us in full, without any set-off, counterclaim, deduction or withholding of any kind, unless required by applicable law.

13.19 Unclaimed property. In the event that we hold fiat funds or digital currency on your behalf and are unable to contact you and have no record of your use of our services for several years, applicable law may require us to report the fiat funds or digital currency as unclaimed property to the authorities in certain jurisdictions. We will attempt to locate you at the address shown in our records, but if we are unable to do so, we may be required to deliver any such fiat funds or digital currency to the authorities in certain jurisdictions as unclaimed property. Please be aware that we reserve the right to deduct a dormancy fee or other administrative charges from such unclaimed funds, as permitted by applicable law.

13.20 Publication of breaches. In the event that you breach these Terms, we may publish or otherwise provide its users with details of the breach, including any information that you have provided to us. We may only disclose such information where it determines that doing so is necessary for the protection of other users and is consistent with applicable law.