Terms and conditions

Company No. 97301

Intershore Suite, Le Sanalele Complex, PO Box 608, Apia, Samoa

Effective Date: April 10, 2026

You (“user,” “you,” or “your”) agree that these terms and conditions
(“Terms”) govern your access to and use of the Services. The terms
“Company,” “we,” “us,” and “our” refer to Company No. 97301, registered
at Intershore Suite, Le Sanalele Complex, PO Box 608, Apia, Samoa, or
any of its affiliates as the context may require.

“Services” refers individually and collectively to the crypto payment
gateway platform, APIs, software, integrations, plugins, documentation,
and all related features, content, and applications which the Company
may make available to you from time to time (the “Platform”).

By registering for the Services, accessing the Platform, clicking “I
Accept” or any equivalent confirmation, or continuing to use the
Services after these Terms have been updated, you confirm that you have
read, understood, and agreed to be bound by these Terms and our Privacy
Policy. Such actions constitute your valid and binding acceptance with
the same legal effect as a written agreement signed by you.

IF YOU DO NOT AGREE, YOU MUST NOT USE OR MUST IMMEDIATELY
STOP USING THE SERVICES.

Important Notice: The Company is not a bank, a money
services business, or a financial institution. The Company is a
technology provider. Funds processed through the Platform are not
covered by any deposit insurance scheme.

1. Onboarding

1.1 Registration

To access the Services, you must create an account by providing
accurate contact and business information as requested during the
registration process (“Account”). The Company may, at its sole
discretion, refuse to open an Account, suspend an existing Account, or
close an Account at any time.

1.2 Eligibility

Use of the Services is contingent upon the following:

• You have the legal capacity to enter into binding contracts and
  are of legal age in your jurisdiction, or you represent a legally
  constituted entity with authority to bind that entity.
• You have not previously been suspended or removed from the
  Services.
• Agreeing to these Terms does not violate any other agreement to
  which you are bound.
• You are not located in, and are not a national or resident of,
  any jurisdiction where use of the Services is restricted or prohibited
  (“Restricted Location”).
• You are not listed on any sanctions or denied-persons list
  maintained by any government authority.
• You comply with all applicable local, national, and international
  laws regarding the use of the Services.

It is your responsibility to ensure your use of the Services does not
conflict with any laws applicable to you. The Company may update the
list of Restricted Locations at any time without prior notice.

1.3 Account Security

You are responsible for maintaining the confidentiality of your
Account credentials, API keys, and any authentication tokens. You are
liable for all activities conducted through your Account, whether or not
authorized by you. You must notify us immediately at the support email
address provided on the Platform if you become aware of any unauthorized
access or security breach. Any instruction submitted under your
credentials will be presumed to have originated from you.

2. Services

2.1 Scope of Services

The Company provides a cryptocurrency payment gateway that enables
merchants, businesses, and other authorized users (“Merchants”) to
accept cryptocurrency payments from their customers. The Services may
include, but are not limited to:

• Processing and settlement of cryptocurrency payments.
• Conversion of received cryptocurrencies into stablecoins or
  fiat-equivalent digital assets.
• Provision of APIs, plugins, and integration tools for websites,
  applications, and point-of-sale systems.
• Generation of payment invoices, checkout pages, and payment
  links.
• Transaction monitoring, reporting, and analytics
  dashboards.
• Wallet management and fund withdrawal functionality.

2.2 Nature of Services

The Company acts solely as a technology intermediary facilitating
cryptocurrency payment processing. The Company does not act as a party
to the underlying transaction between the Merchant and the Merchant’s
customer. The Company is not responsible for the goods or services sold
by Merchants, nor for any disputes arising between Merchants and their
customers.

2.3 Right to Modify Services

The Company reserves the right to update, modify, suspend, or
discontinue any or all of the Services, or any features, components, or
content thereof, at any time, for any reason, with or without notice.
There is no guarantee that specific services, features, or integrations
will always be available.

2.4 Supported Cryptocurrencies

The Platform accepts certain cryptocurrencies and digital assets as
designated by the Company from time to time (“Supported Assets”). The
list of Supported Assets may be amended at the Company’s sole
discretion. You are responsible for ensuring you only send or receive
Supported Assets through the Platform. Transfers of unsupported assets
may result in permanent loss, for which the Company shall bear no
liability.

2.5 Third-Party Service Providers

Certain Services may be delivered in whole or in part through
third-party providers, including but not limited to blockchain
infrastructure providers, liquidity providers, and custodians. By using
the Services, you acknowledge that such third-party services are
governed by their own terms and conditions, and the Company does not
assume responsibility for the performance or acts of any third-party
provider.

3. Payment Processing and Settlement

3.1 Transaction Processing

When a payment is initiated through the Platform, the Company will
process the transaction in accordance with the parameters configured by
the Merchant. Transaction confirmation is subject to blockchain network
confirmations and may be affected by network congestion, gas fees, and
other factors outside the Company’s control.

3.2 Conversion and Settlement

Where the Merchant has opted for automatic conversion, the Company or
its partners will convert the received cryptocurrency into the
Merchant’s preferred settlement asset (e.g., USDT, USDC, or other
supported stablecoins) at the prevailing market rate at the time of
conversion. The conversion rate may include a service fee. Settlement
timelines are outlined on the Platform and are not guaranteed.

3.3 Withdrawals

Merchants may withdraw settled funds to an external wallet address or
bank account (where supported) in accordance with the withdrawal
procedures and limits specified on the Platform. Withdrawal requests may
be subject to additional verification and security checks. The Company
reserves the right to delay or refuse any withdrawal if it reasonably
suspects fraudulent, illegal, or suspicious activity.

3.4 Transaction Limits

The Company may impose minimum and maximum transaction limits, daily
or monthly volume caps, and other restrictions on the use of the
Services. These limits are displayed on the Platform and may be modified
by the Company at its discretion without prior notice.

4. Fees

Use of the Services may be subject to transaction fees, conversion
fees, withdrawal fees, network fees, subscription fees, and other
charges as disclosed on the Platform (“Fees”). The Company reserves the
right to introduce new Fees or modify existing Fees at any time. Changes
to Fees will be communicated through the Platform. All Fees are
exclusive of applicable taxes, which will be added to the final charge
where required. Fees are non-refundable unless otherwise determined by
the Company.

You acknowledge that blockchain network fees (gas fees) are
determined by the relevant network and are outside the Company’s
control. The Company shall not be liable for any network fees incurred
in connection with your use of the Services.

5. Prohibited Activities

You agree not to use the Platform or Services for any of the
following:

• Money laundering, terrorist financing, fraud, or any other
  illegal activity.
• Processing payments for goods or services that are illegal in the
  jurisdiction of the buyer or seller.
• Weapons, ammunition, explosives, or related accessories.
• Controlled substances, narcotics, prescription drugs, or drug
  paraphernalia.
• Ponzi schemes, pyramid schemes, or multi-level marketing
  programs.
• Counterfeit goods, fake identification documents, or stolen
  property.
• Purchases on darknet marketplaces or similar platforms.
• Adult or sexually explicit content or services.
• Gambling services where not legally permitted.
• Providing false, misleading, or inaccurate information to the
  Company.
• Attempting to reverse-engineer, decompile, or extract the source
  code of the Platform.
• Introducing viruses, malware, trojans, or other malicious
  code.
• Attempting to bypass or circumvent any security features of the
  Platform.
• Interfering with the Platform’s infrastructure or other users’
  access.
• Any activity the Company determines, in its sole discretion, to
  be harmful to its reputation, operations, or users.

6. Intellectual Property

All trademarks, service marks, logos, trade names, and all
intellectual property rights in and to the Platform and Services are the
exclusive property of the Company or its licensors. No rights are
granted to you other than the limited, non-exclusive, non-transferable,
revocable license to use the Services in accordance with these Terms.
You may not reproduce, distribute, modify, create derivative works from,
or commercially exploit any part of the Platform without the Company’s
prior written consent.

7. User Content and Feedback

If you submit any content, data, or feedback through the Platform,
you grant the Company a royalty-free, perpetual, irrevocable, worldwide
license to use, reproduce, modify, and display such content for the
purposes of operating and improving the Services. Any ideas or
suggestions submitted to the Company are provided voluntarily and may be
used without compensation or attribution.

8. Data Protection and Privacy

By using the Services, you acknowledge and consent to the collection,
use, disclosure, and processing of your personal data as described in
our Privacy Policy. This includes sharing data with partners, service
providers, custodians, and relevant third parties as necessary for the
provision of the Services and compliance with legal obligations.

9. Termination and Suspension

9.1 Company’s Rights

The Company reserves the right to terminate, suspend, or restrict
your access to the Services at any time, without notice, at its sole
discretion. Grounds for such action include, but are not limited to:
breach of these Terms, unpaid Fees, suspected unlawful or prohibited
activities, regulatory requirements, or internal risk-management
policies.

9.2 Effect of Termination

Upon termination or suspension, you remain liable for all accrued
obligations. Withdrawal of remaining funds may be subject to additional
identity verification, compliance checks, and applicable fees. The
Company reserves the right to retain funds for a reasonable period as
required by law or for risk-management purposes.

9.3 User-Initiated Termination

You may terminate your Account at any time by following the
procedures on the Platform. Refund of any remaining balance is subject
to applicable Fees and compliance requirements. The method and timeline
of refund shall be at the Company’s discretion.

10. Limitation of Liability

THE PLATFORM AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS
AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY
DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND
NON-INFRINGEMENT.

IN NO EVENT SHALL THE COMPANY OR ITS DIRECTORS, OFFICERS, EMPLOYEES,
AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL,
CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF
PROFITS, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITIES, OR LOSS OF
DIGITAL ASSETS, WHETHER ARISING FROM CONTRACT, TORT, NEGLIGENCE, OR
OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE COMPANY’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR IN
CONNECTION WITH THESE TERMS SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU
TO THE COMPANY DURING THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT
GIVING RISE TO THE CLAIM, OR USD 500, WHICHEVER IS LOWER.

The Company shall not be liable for any losses arising from: (a)
events of force majeure; (b) blockchain network failures, congestion, or
forks; (c) fluctuations in the value of cryptocurrencies or digital
assets; (d) unauthorized access to your Account due to your failure to
maintain the security of your credentials; (e) actions or omissions of
third-party service providers; or (f) compliance with applicable laws or
court orders.

Nothing in these Terms shall exclude or limit liability for fraud,
gross negligence, willful misconduct, or death or personal injury caused
by negligence.

11. Indemnification

You agree to indemnify and hold harmless the Company, its affiliates,
partners, and their respective officers, directors, employees, and
agents from and against any claims, damages, losses, liabilities, costs,
and expenses (including legal fees) arising out of or related to: (i)
your breach of these Terms; (ii) your use of the Platform and Services;
(iii) your violation of any applicable law, regulation, or third-party
right; (iv) any dispute between you and your customers or end users; or
(v) any fraudulent, negligent, or willful misconduct on your part.

12. Risk Considerations

You acknowledge and accept the following risks associated with
cryptocurrency and the Services:

• The value of digital assets is highly volatile and may decline to
  zero.
• Regulatory frameworks for digital assets vary across
  jurisdictions and may change at any time, potentially affecting the
  availability or legality of the Services.
• Blockchain transactions are generally irreversible; errors in
  wallet addresses or transaction amounts may result in permanent
  loss.
• Smart contract vulnerabilities, network attacks, and protocol
  changes may affect the security or availability of digital
  assets.
• The Company does not provide investment, tax, or legal advice.
  You are responsible for understanding the financial and legal
  implications of using the Services.
• In the event of the Company’s insolvency, you may not be
  protected by consumer-protection legislation in your
  jurisdiction.

13. Complaint Resolution and Dispute Process

If you have a dispute with the Company, you agree to first contact
our support team through the Platform to seek an amicable resolution. If
the matter is not resolved within sixty (60) days, either party may
pursue remedies available under applicable law.

14. Miscellaneous

14.1 Entire Agreement

These Terms, together with the Privacy Policy and any supplemental
policies published on the Platform, constitute the entire agreement
between you and the Company regarding the Services and supersede all
prior agreements and understandings.

14.2 Amendments

The Company may amend these Terms at any time at its discretion.
Updated Terms will be posted on the Platform or communicated via email.
By continuing to use the Services after changes take effect, you agree
to be bound by the amended Terms.

14.3 Force Majeure

The Company shall not be liable for any delay or failure in
performance resulting from causes beyond its reasonable control,
including but not limited to natural disasters, war, terrorism,
governmental actions, labor disputes, power or telecommunications
failures, cyberattacks, or blockchain network disruptions.

14.4 Assignment

You may not assign or transfer any rights under these Terms without
the Company’s prior written consent. The Company may assign its rights
and obligations without restriction, including to any affiliate,
subsidiary, or successor entity.

14.5 Severability

If any provision of these Terms is found to be invalid or
unenforceable, the remaining provisions shall remain in full force and
effect.

14.6 Survival

All provisions that by their nature should survive termination shall
survive, including but not limited to provisions relating to
intellectual property, indemnification, limitation of liability, and
dispute resolution.

14.7 Third-Party Rights

No person other than you and the Company shall have any right to
enforce the provisions of these Terms.

14.8 Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the
laws of Samoa. Subject to the arbitration clause above, the parties
submit to the exclusive jurisdiction of the courts of Samoa for any
matters not subject to arbitration.

14.9 Language

These Terms are drafted in the English language. In the event of any
conflict between the English version and a translation, the English
version shall prevail.

15. Definitions

“Account” means the account registered by a user to
access and use the Platform.

“Fees” means all transaction fees, conversion fees,
withdrawal fees, subscription fees, network fees, and other charges
applicable to the use of the Services, as published on the Platform.

“Merchant” means any business, individual, or entity
that uses the Platform to accept cryptocurrency payments.

“Platform” means the Company’s crypto payment
gateway, including all websites, APIs, applications, dashboards,
plugins, and related software.

“Privacy Policy” means the Company’s privacy policy
as published on the Platform, as amended from time to time.

“Restricted Location” means any jurisdiction in
which the use of the Services is prohibited or restricted by law or by
the Company’s policies.

“Services” means all services provided by the
Company through the Platform, including payment processing, conversion,
settlement, and related features.

“Supported Assets” means the cryptocurrencies and
digital assets accepted by the Platform for payment processing, as
designated by the Company from time to time.

16. Contact Information

For questions, support, or complaints regarding these Terms or the
Services, please contact us at:

Company No. 97301

Intershore Suite, Le Sanalele Complex

PO Box 608, Apia, Samoa

Email: [email protected]