Keypay


1.General


1.1. Welcome to keypay.io(the "Website"), a website operated by and on behalf of KeyPay Global OÜ (the "Company" and/or "Our" and/or "We" and/or "Us").

1.2. The Website provides (a) a wallet service consisting of software that permits the User to self-custody Virtual Currency (as defined below), organize network addresses, transfer Virtual Currency, view transaction history and transact in virtual currencies (the “Wallet”); (b) third party conversion services that allow the Userto convert one virtual currency for another (“Conversion Service”); and other services to be updated from time to time (collectively the "Services"); “Virtual Currency” means a cryptocurrency, digital currency, digital asset, cryptoasset or other such similar term describing, for example, Bitcoin or Ether but does not include a derivative of a virtual currency, or a security, as defined under applicable law.

1.3. These terms of use (the "Terms") govern your ("You", "Your" or "User") use of the Website or the Services. These Terms should be read carefully by You in their entirety prior to Your use of the Services. Please note that these Terms constitute a legally binding agreement between You and the Company, and that if You do not agree with any provision of these Terms, You shall immediately cease using the Website. By using the Website, You agree to the Terms, as amended from time to time.

1.4. These Terms incorporate Our Privacy Policy and by agreeing to these Terms, You confirm that You also accept and agree to Our privacy policy (You can review Our Privacy Policy by clicking here).

1.5. We continuously improve the Services based on feedback provided by Users. However, We cannot guarantee there will be no bugs in the Services. You acknowledge that You use the Services at Your own discretion and in compliance with all applicable laws.


2.Eligibility


2.1.You are only entitled to use the Website, if You comply with all of the following:

2.1.1. You are at least 18 years old;

2.1.2. You have the right, authority and capacity to enter into these Terms and to abide by all the terms and conditions of these Terms;

2.1.3. If You are using the Services on behalf of a corporation, governmental organization or other legal entity, You have the right, power and authority to enter into the Terms on behalf of such corporation, governmental organization or other legal entity and bind them to these Terms; and


2.1.4. You are not prohibited from using the Website and/or the Services pursuant to the laws of the country in which You reside or located while using the Website;

 

3. Account registration


3.1. You must open an account on our Website in order to use the Services (the "Account").

3.2. The Services does not constitute an Account where We or other third parties serve as financial intermediaries or custodians of Your Virtual Currency.

3.3. When you open up the Account, We will ask for contact information such as Your name, email address and telephone number and, if applicable, the information relating to the Ultimate Beneficial Owner of Your organization. The information provided by You must be accurate, up-to-date and complete. Other information, such as Your tax number date of birth, may be requested from You. We may also request Your information from third parties, such as credit bureaus. Without derogating from other remedies available to Us, We reserve the right to reject Your account registration or to close Your account at any time if You do not provide accurate, up-to-date, complete and satisfactory information.

3.4. When opening Your Account, You will be asked to choose a password. You are solely responsible for maintaining the confidentiality of your account information and password. You remain solely responsible for activity on Your account with the use of Your access information. If You share Your password with anyone, We will not be held liable for any loss that may occur as a result thereof. You may not allow any other third party to use or access Your account. You must notify Us immediately of any unauthorized access to Your account, or any other breach of security.

3.5.KYC and Anti-Money Laundering Requirements

3.5.1. In order to comply with anti money laundering (AML) Requirements, the Company may run any necessary checks or enquiries with third parties (including "Know Your Client" process), and You waive any privacy or other rights in connection therewith, and You further acknowledge that any breach of this section will entitle the Company to suspend or terminate Your use of the Services.

3.4.2 By using the Services You warrant that You will not use the Services to pay for, support or otherwise engage in any illegal activities, including, but not limited to illegal gambling, fraud, money laundering, or terrorist activities. You further warrant that You are not, and have not been involved in any type of activity associated with money laundering or terror financing, nor violated any provision of: (a) the U.S. Foreign Corrupt Practices Act of 1977 as amended; or (b) the UK Bribery Act (2010); or (c) Sections 290-297 of the Israeli Penal Law 1977 (Bribery Transactions), the Israeli Prohibition on Money Laundering Law, 2000; or (d) any other anti-money laundering anti-corruption or anti bribery statute or legislation in any part of the world, nor has it ever been subject to any investigation by or have received a request for information from any governmental body relating to money laundering corruption or bribery under any statute or legislation

3.6. It is Your responsibility to keep theemail address associated with Your Account up to date, so that the Company can communicate with You electronically. You understand and agree that You forfeit the right to plead ignorance if You do not receive an electronic communication sent to You by the Company, because Your Account's email address is incorrect, out of date, blocked by Your service provider, or You are otherwise unable to receive electronic communications.

3.7. Public and private keys.

3.7.1. When creating an Account, the Account generates and stores a private and public cryptographic key pair that You can use when transacting with Virtual Currency.

3.7.2. The public key can be shared with third parties to complete transactions.

3.7.3. The private key uniquely matches the wallet address and is only used by the Account to authorize transactions to and from the Account.

3.7.4. As an Account is a hosted wallet, by default, We do not provide the private keys to Users, and We recommend that Our Users do not to ask for their private keys to their Accounts, since the transmission of private keys outside of our secure network compromises the security of the private key and increases the chances of a breach of privacy. However, if You request it from Us, We will shareYour private key with You.

3.7.5. You are responsible for safekeeping Your passwords, private keys and any other codes You use to access the Services. If You lose access to Your wallet or Your private keys and they are stored or backed up, You acknowledge and agree that any Virtual Currency You have associated with that wallet will become inaccessible. In the case You were provided with the private keys, your account may be susceptible to unauthorized access.

3.8. We reserve the right to limit the scope of our Services to users, who have not verified their identity and/or set up a necessary level of account security and/or failed to prove the ownership and/or source of funds.

3.9. In case of Your breach of the Terms, or any other event as We may deem necessary, including without limitation (a) maintenance work; (b) inability of Our service providers to provide You with the Services; (c) Your request of account cancellation; (d) market disruption; inability to conform Our requirements; (e) lack of verification; (f) pending litigation, investigation, or government proceeding related to You or Your Account; and/or (g) in case We perceive a heightened risk of legal or regulatory non-compliance associated with Your Account activity; We may, in our sole discretion and without liability to You, with or without prior notice:

3.9.1. Suspend Your access to all or a portion of the Services;

3.9.2. Prevent You from completing any actions via the Account, including closing any open transaction requests (while in case the transaction resumes, You acknowledge and agree that prevailing market rates may differ significantly from the rates available prior to such event); or

3.9.3. Terminate Youraccess to the Services, delete or deactivate Your Account.

3.9.4. In the event of termination, the Company will return any funds or assets stored in Your Account and not owed to the Company, unless the Company believes you have committed fraud, negligence or other misconduct.


4.Blockchain Network


4.1. In order to be completed, any Virtual Currency transaction created with the Accountmust be confirmed and recorded in the Virtual Currency ledger associated with the relevant Virtual Currency network. Such networks are decentralized, peer-to-peer networks supported by independent third parties, which are not owned, controlled or operated by the Company.

4.2. We have no control over any Virtual Currency network and therefore cannot and do not ensure that any transaction details You submit via Our Services will be confirmed on the relevant Virtual Currency network. The transaction details You submit via Our Services may not be completed, or may be substantially delayed, by the Virtual Currency network used to process the transaction. We do not guarantee that the Account can transfer title or right in any Virtual Currency, contingent to the network specifications, or make any warranties whatsoever with regard to title.

4.3. Once transaction details have been submitted to a Virtual Currency network, We cannot assist You to cancel or otherwise modify Your transaction or transaction details. We have no control over any Virtual Currency network and do not have the ability to facilitate any cancellation or modification requests.

4.4. Failed transactions as a result of any technical issue, extreme network conditions or any other cause on the third party service’s side will not be automatically rolled back to Your originating address by technical and security reasons.

4.5. Once Your Transaction order has been executed, You may not change, withdraw or cancel Your order to complete such Transaction.

4.6. Without derogating from the above, since We do not operate nor otherwise control theoperation of the Virtual Currency networks used to process the transactions, We do not accept any liability for any damage arising from any failure or malfunction in theVirtual Currency networks.


5.Fees


5.1. In consideration for the Services provided by Us, You shall pay to Us the Service fees as set forth in our pricelist as published, amended and updated from time to time.

5.2. To the extent payment shall be made in Virtual Currency, the Fees shall be paid to a digital wallet address designated by Us. The method of payment may be changed unilaterally by the Company from time to time upon notification to the User of such change.


6.User's representations


By opening an Account or otherwise using the Services, You hereby represent, warrant, acknowledge and undertake that:

6.1. You have carefully considered the risks involved in purchasing and holding Virtual Currencies, and acknowledge that the Virtual Currencies may fluctuate in their value.

6.2. You are aware and understand the uncertain nature of Virtual Currencies and that the Virtual Currencies are not regulated by any central bank nor other government authority, and do not constitute a securities instrument.

6.3. You are not a national citizen resident or green-card holder of any jurisdiction which prohibits its entry into these Termsand the performance of the terms of these Terms.

6.4. You are not a Restricted Territory User. For this purpose, "Restricted Territories User" means, citizen of, resident of, a person located or domiciled in, or any corporation or partnership created or organized in or under the laws of a Restricted Jurisdiction, as this term is defined by the relevant Anti-Money Laundering Authority under applicable laws.

6.5. The details You submit during the registration process are true and correct, and that You will update them immediately upon any change thereto.

6.6. Your Account is for Your personal use only and shall not be used by or for any third party.

6.7. We merely provide the Services and that any such use of any of the Services by the User is solely at the User's own responsibility, which includes complying with applicable laws and regulations including with respect to compliance with applicable AML / KYC regulations.

6.8. The Company is not a financial institution and any funds or other assets in Your Account shall not accrue any linkage differentials and/or interest.

6.9. You will cooperate with the Company and provide it with all requested documentation in a full, complete and truthful manner.

6.10. You have verified and determined that Your use of the Services does not violate any laws or regulations of any jurisdiction that applies to You.

6.11. You are responsible for determining and incurring any and all taxes assessed, incurred, or required to be collected, paid, or withheld for any reason in connection Your use of Our Services ("Taxes"). You also are solely responsible for collecting, withholding, reporting, and remitting correct Taxes to the appropriate tax authority. We are not obligated to, nor will We determine whether Taxes apply, or calculate, collect, report, or remit any Taxes to any tax authority arising from any transaction.

6.12. You will use the Services in good faith towards the Company and others using the Services.

6.13. The Company may at its sole discretion, decide whether to open, maintain and/or close Your Account (provided that existing contractual obligations are honored);

6.14. You shall be solely responsible for maintaining the confidentiality of Your Account (including Your user name and password required for entering Your Account), and for any and all actions and transactions taken in connection with Your Account by anyone who enters Your Account while using Your details, and all such actions and transactions shall be deemed as actions and transactions taken by You;

6.15. You will immediately inform the Company of any suspected unauthorized use of Your Account;

6.16. You are aware of the risks associated with utilizing any crypto assets block-chain network, including, but not limited to the risk of unknown vulnerabilities in or unanticipated changes to any network protocol;

6.17. You shall not make any charge backs and/or deny or reverse any payment made by You in connection with the Services, and You shall reimburse Us for any loss or damage We incur as a result of any such action, and in any event You will promptly pay any and all of Your debts to Us;

6.18. You shall indemnify Us and hold Us harmless, from and against all claims, liabilities, damages, losses, costs and expenses, including legal fees, arising out of or in connection with any breach of these Terms by You, and any other liabilities arising out of Your use of the Website or any unauthorized use of the Website by any third party using Your Account or details.

By opening an Account or otherwise using the Services, You hereby represent, warrant, acknowledge and undertake that:


6.1. You have carefully considered the risks involved in purchasing and holding Virtual Currencies, and acknowledge that the Virtual Currencies may fluctuate in their value.

6.2. You are aware and understand the uncertain nature of Virtual Currencies and that the Virtual Currencies are not regulated by any central bank nor other government authority, and do not constitute a securities instrument.

6.3. You are not a national citizen resident or green-card holder of any jurisdiction which prohibits its entry into these Termsand the performance of the terms of these Terms.

6.4. You are not a Restricted Territory User. For this purpose, "Restricted Territories User" means, citizen of, resident of, a person located or domiciled in, or any corporation or partnership created or organized in or under the laws of a Restricted Jurisdiction, as this term is defined by the relevant Anti-Money Laundering Authority under applicable laws.

6.5. The details You submit during the registration process are true and correct, and that You will update them immediately upon any change thereto.

6.6. Your Account is for Your personal use only and shall not be used by or for any third party.

6.7. We merely provide the Services and that any such use of any of the Services by the User is solely at the User's own responsibility, which includes complying with applicable laws and regulations including with respect to compliance with applicable AML / KYC regulations.

6.8. The Company is not a financial institution and any funds or other assets in Your Account shall not accrue any linkage differentials and/or interest.

6.9. You will cooperate with the Company and provide it with all requested documentation in a full, complete and truthful manner.

6.10. You have verified and determined that Your use of the Services does not violate any laws or regulations of any jurisdiction that applies to You.

6.11. You are responsible for determining and incurring any and all taxes assessed, incurred, or required to be collected, paid, or withheld for any reason in connection Your use of Our Services ("Taxes"). You also are solely responsible for collecting, withholding, reporting, and remitting correct Taxes to the appropriate tax authority. We are not obligated to, nor will We determine whether Taxes apply, or calculate, collect, report, or remit any Taxes to any tax authority arising from any transaction.

6.12. You will use the Services in good faith towards the Company and others using the Services.

6.13. The Company may at its sole discretion, decide whether to open, maintain and/or close Your Account (provided that existing contractual obligations are honored);

6.14. You shall be solely responsible for maintaining the confidentiality of Your Account (including Your user name and password required for entering Your Account), and for any and all actions and transactions taken in connection with Your Account by anyone who enters Your Account while using Your details, and all such actions and transactions shall be deemed as actions and transactions taken by You;

6.15. You will immediately inform the Company of any suspected unauthorized use of Your Account;

6.16. You are aware of the risks associated with utilizing any crypto assets block-chain network, including, but not limited to the risk of unknown vulnerabilities in or unanticipated changes to any network protocol;

6.17. You shall not make any charge backs and/or deny or reverse any payment made by You in connection with the Services, and You shall reimburse Us for any loss or damage We incur as a result of any such action, and in any event You will promptly pay any and all of Your debts to Us;

6.18. You shall indemnify Us and hold Us harmless, from and against all claims, liabilities, damages, losses, costs and expenses, including legal fees, arising out of or in connection with any breach of these Terms by You, and any other liabilities arising out of Your use of the Website or any unauthorized use of the Website by any third party using Your Account or details.


7.Risks


7.1. There are risks associated with utilizing services involving Virtual Currencies including, but not limited to, the risk of failure of hardware, software and internet connections, the risk of malicious software introduction, and the risk that third parties may obtain unauthorized access to information stored within Your Account, including, but not limited to our public and private keys. You agree and understand that We will not be responsible for any communication failures, disruptions, errors, distortions or delays you may experience when using the Services, however caused.

7.2. There are risks associated with utilizing any Virtual Currency network, including, but not limited to, the risk of unknown vulnerabilities in or unanticipated changes to the network protocol. You acknowledge and accept that We have no control over any cryptocurrency network and will not be responsible for any harm occurring as a result of such risks, including, but not limited to, the inability to reverse a transaction, and any losses in connection therewith due to erroneous or fraudulent actions.

7.3. The risk of loss in using Services involving Virtual Currencies may be substantial and losses may occur over a short period of time. In addition, price and liquidity are subject to significant fluctuations that may be unpredictable.

7.4. Virtual Currencies are not legal tender and are not backed by any sovereign government. In addition, the legislative and regulatory landscape around Virtual Currencies is constantly changing and may affect your ability to use, transfer, or exchange Virtual Currencies.


8.Prohibited activities


8.1. You represent and warrant that You have full right and authority to use the Website and/or the Services to be bound by the Terms and You agree that Your use of the Website and/or the Services is subject to all applicable local, state, national and international laws and regulations.

8.2. As a User, You undertake to use the Website and the Services in a respectful manner, and You undertake not to:

8.2.1. link to the Website and/or use the Website for the purpose of uploading, downloading, distributing, publishing or transmitting (a) information or other material in a manner that violates any rights, including intellectual property rights, protection of privacy rights or any other right; (b) information or other material that is prohibited for publication or use because it constitutes threat, harm, insult, slander, defamation, racism or inappropriate content; (c) information or other material thatincludes a virus or other software that may damage the computer systems of the Companyor any third parties or in a manner that may restrict or prevent others from using the Website; (d) information or other material that violates any law; or (e) information or other material that includes an advertisement of any kind without the prior written permission of the Company;

8.2.2. attempt to circumvent any content filtering techniques We employ, or attempt to access any service or area of our Services that User is not authorized to access;

8.2.3. introduce to the Services any virus, Trojan, worms, logic bombs or other harmful material

8.2.4. develop any third-party applications that interact with the Services without Our prior written consent

8.2.5. provide false, inaccurate, or misleading information;

8.2.6. use the Services using any interface other than the Website;

8.2.7. interfere with other Users' use of the Website and/or the Services;

8.2.8. use the bots or other automated methods to access or use the Website and/or the Services;

8.2.9. upload or transmit (or attempt to upload or to transmit), without the Company’s express permission, any material that acts as a passive or active information collection or transmission mechanism, including, without limitation, web bugs, cookies or other similar spyware devices;

8.2.10. engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of the Services;

8.2.11. violate any applicable laws or regulations, encourage or promote any illegal activity including, but not limited to, copyright infringement, trademark infringement, defamation, invasion of privacy, identity theft, hacking, cracking or distribution of counterfeit software;

8.2.12. make any changes and/or interfere in any way in the source code of the Website and upload any software and/or application that may harm or cause damage to the Company, the Website or any other third party;

8.2.13. disassemble, decompile or otherwise reverse engineer any software or other technology included in the Website or used to provide the Services.

8.2.14. use the Services to pay for, support or otherwise engage in any illegal activities, including, but not limited to illegal gambling, fraud, money laundering, or terrorist activities.

8.2.15. encourage or induce any other person to engage in any of the activities prohibited under this Section

8.3. You acknowledge that without prejudice to any other right of the Company, in case that the Company is concerned that Your use of the Website does not comply with the provisions of these Terms or any applicable law, the Company may track Your use of the Website or the Services, prevent You from accessing the Website, transfer Your behavior patterns on the Website to third parties, and any other action that the Company may deem appropriate to protect its property and/or rights and/or rights of third parties.


9.Intellectual property rights


9.1. The Website and its content, including the video materials, text, photos, logos, designs, music, sound, figures, trademarks, graphs, sheets, statistics,currency exchange quotationsand any other content embodied in the Website are protected by intellectual property rights of the Company or of third parties.

9.2. All intellectual property rights and any content provided in connection with the Services, are the property of the Company or its licensors or suppliers and are protected by applicable intellectual property laws. We do not give any obscure license for the use of the contents of the Services.

9.3. As between the Company and the User, the Company retains all right, title and interest in and to the Website and the Services. The use of the Website and/or the Services does not confer on the User any of the intellectual property rights embodied in the Website and/or the Services, other than the right to use the Website and/or the Services in accordance with the terms of these Terms.

9.4. The User may only use the Website and/or the Services only for personal, lawful and non-commercial use.

9.5. Any other use of content ofthe Services is strictly prohibited and Youagree not to infringe or enable others to infringe Ourintellectual property rights. You agree to retain all copyrighted and other proprietary notices contained in the materialprovided via OurServices on any copy User makes of the material but failing to do so shall not prejudice our intellectual property rights therein.

9.6. You may not sell or modify materials derived or created from the Services or reproduce, display, publicly perform, distribute or otherwise use the materials in any way for any public or commercial purpose. Your use of the materials on any other website or on a file-sharing or similar service for any purpose is strictly prohibited. You may not copy any material or content derived or created from the Services without our express, written permission.

9.7. Any rights not expressly granted herein to use the materials contained on or through the Services are reserved by Usin full.

9.8. You shall not, nor shall You allow any other party to modify, decompile, disassemble, reverse engineer, copy, transfer, create derivative works from, rent, sub-license, distribute, reproduce framed, republish, scrape, download, display, transmit, post, lease or sell in any form or by any means, in whole or in part, use for any purpose other than for using the Website or the Services pursuant to the Terms or otherwise exploit any of the contents of the Website without the Company’s explicit, prior written permission.


10.Limitation of liability


10.1. Your use of the Website and/or the Services shall be at Your sole risk. To the fullest extent permitted by law, the Company disclaims all warranties, explicit or implied, in connection with the Website and the Services and Your use thereof including implied warranties of merchantability, title, fitness for a particular purpose or non-infringement, usefulness, authority, accuracy, completeness, and timeliness. Accordingly, the Services, including all content and functions made available on or accessed through or sent from the Website, are provided “as is,” “as available,” and “with all faults" basis.

10.2. Without derogating from the generality of the foregoing, the Company assumes no liability or responsibility for any (a) errors, mistakes, or inaccuracies of any content included in the Website; (b) any interruption or cessation of transmission to or from the Website of via the Services; (c) any bugs, viruses, Trojan horses, or the like which may be transmitted to or through the Website or the Services by any third party.

10.3. You agree to hold the Company harmless for any losses caused, directly or indirectly, to You and/or to any other third party, with respect to the Website and/or the Services and You shall bear sole responsibility for any of Your decisions made relying on the content of the Website and/or the Services.

10.4. In no event will the Company, its affiliates and service providers, or any of their respective officers, directors, agents, employees or representatives, be liable to You or any third party for any special, direct, indirect, incidental, special, punitive, or consequential damages whatsoever, whether based in contract, tort, negligence, strict liability, or otherwise, including any lost profits or lost data arising from Your authorized or unauthorized use of the Website and/or the Services or other materials on, accessed through or downloaded from the Website or as part of the Services, whether based on warranty, contract, tort, or any other legal theory, and whether or not the Company has been advised of the possibility of these damages and in cases where judicial authority finds the Company liable, its liability shall not exceed 1,000 USD. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.

10.5. The Company is not responsible for any problems or technical malfunction of any telephone or network lines, computer online systems, servers or providers, hardware, software, failure due to technical problems or traffic congestion on the internet (or inaccessibility of the internet) or incompatibility between the Website or the Services and Your browser and/or other equipment. The Company does not assume any responsibility or risk for Your use of the internet.

10.6. Under no circumstances will the Company be required to deliver to the User any Virtual Currency asdamages, specific performance or any other remedy. If the User would base its calculations of damages in any way on the value of Virtual Currency, the User and the Company agree that the calculation will be based on the lowest value of the Virtual Currency during the period between the accrual of the claim and the award of damages.

10.7. The Company will not be responsible or liable to the User for any loss and takes no responsibility for damages or claims arising in whole or in part, directly or indirectly from: (a) user error such as forgotten passwords, incorrectly constructed transactions, or mistyped Virtual Currency addresses; (b) server failure or data loss; (c) corrupted or otherwise non-performing Accountor Account files; (d) unauthorized access to applications; (e) any unauthorized activities, including without limitation the use of hacking, viruses, phishing, brute forcing or other means of attack against the Services.

10.8. The Company takes reasonable security measures to protect access to the Virtual Currency at all times that such Virtual Currency is stored within the User's Account; however, due to the nature of the Services provided by the Company, certain data may be susceptible to hacking attacks despite the measures taken by the Company. The Company shall not be responsible for any theft, loss, disappearance or destruction of Virtual Currencywhile traded on any exchange in the course of providing the Services.

10.9. You agree to indemnify and hold harmless the Company, its affiliates, subsidiaries, directors, managers, members, officers, and employees from any and all claims, demands, actions, damages, losses, costs or expenses, including without limitation, reasonable legal fees, arising out of or relating to its or any other person’s use of its credentials or Account in connection with: (a) use of the Services; (b) breach of these Terms or any other binding instrument between the Company and You; (c) feedback or submissions the User provides; or (d) violation of any rights of any other person or entity. This indemnity shall apply to the User's successors and assigns and will survive any termination or cancellation of these Terms.

10.10. Any and all of the Company's indemnities, warranties, and limitations of liability (whether express or implied) are hereby excluded to the fullest extent permitted under law except as set forth herein.


11.Third party services or content


11.1. While using the Services, You may view content or services provided by third parties, including currency exchange quotations, financial information,content, and any other materials ofother websites or sources that are controlled or offered by third parties (“Third Party Content").

11.2. We have not reviewed any or all of such Third Party Content and are not responsible for any Third Party Content. We do not control, endorse or adopt such content or services. When using or relying on Third Party Content, You must consider that it may not be accurate or current. We are not responsible for Third Party Content including, without limitation, material that may be misleading, incomplete, erroneous, offensive, indecent or otherwise objectionable in your jurisdiction. In addition, User's dealings or correspondence with the third parties that provided the Third Party Content are solely between the User and such third parties.

11.3. TheThird Party Contentare provided solely for your convenience, and You agree that under no circumstances will You hold Us liable for any loss or damage caused by use of or reliance on any content, goods or services available on other websites.

11.4. Accordingly, We recommend that You independently verify all information before relying on it, and any decisions or actions taken based upon Third Party Content since the use of such information is at your sole responsibility.


12.Links


12.1. The Website may contain links, content, advertisements, promotions, logos and other materials to other websites that are controlled or offered by third parties (the “Links”). We caution You to ensure that You understand the risks involved in using such websites or materials before retrieving, using, relying upon or purchasing anything via these websites or based on such materials. Such Links are provided solely for Your convenience, and You agree that under no circumstances will You hold Us liable for any loss or damage caused by use of or reliance on any content, goods or services available on other websites.

12.2. The inclusion of Links in the Website is not an endorsement, authorization, sponsorship, affiliation or any other connection between the Company or those websites or their operators.

12.3. We have not reviewed any or all of such Links and are not responsible for any of the content of the websites referred thereby. We caution You to ensure that You understand the risks involved in using such websites before retrieving, using, relying upon or purchasing anything via these websites. Under no circumstances will You hold Us liable for any loss or damage caused by use of or reliance on any content, goods or services available on other websites.


13.Miscellaneous


13.1. We may modify these Terms from time to time. When We do, We will provide notice to You by publishing the most current version and revising the date at the top of this page and any modifications shall be effective immediately upon such publication. By continuing to use the Website after any changes come into effect, You are deemed to agree to the revised Terms.

13.2. The User agrees that transmission of information to or from the Website does not create between him and the Company any relationship that deviates from those specified in this Terms.

13.3. These Terms and the Privacy Policy, as amended from time to time, constitute the only valid agreements between the Company and the User, and no representation, promise, consent or undertaking, whether written or oral, that is not included in the Terms of the Privacy Policy will be binding upon the parties.

13.4. These Terms and the relationship between You and Us shall be governed by, and construed and interpreted in accordance with, the laws of The State of Estonia, and You irrevocably submit to the exclusive jurisdiction of the competent courts of Estoniawith respect to any dispute regarding the validity, breach, interpretation, performance or otherwise arising out of or in connection with these Terms and the relationship between You and Us.

13.5. No failure or delay on Our part in exercising any right, power or remedy thereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, power or remedy preclude any other or further exercise thereof or the exercise of any other right, power or remedy.

13.6. If any provision of these Terms is held by a court of competent jurisdiction to be unenforceable under applicable law, then such provision shall be excluded from these Terms and the remainder of these Terms shall be interpreted as if such provision was so excluded and shall be enforceable in accordance with its terms; provided, however, that in such event these Terms shall be interpreted so as to give effect, to the greatest extent consistent with and permitted by applicable law, to the meaning and intention of the excluded provision as determined by such court of competent jurisdiction.

13.7. We may transfer or assign any and all of Our rights and obligations hereunder to any third party; without derogating from the above, the Website and/or any of the Services may be operated by third parties. You may not transfer, assign or pledge in any manner whatsoever any of Your rights or obligations under these Terms.

13.8. The terms and provisions of these Terms are binding upon Your heirs, successors, assigns, and other representatives.

13.9. You assume any and all risks associated with the use of the Website and Services.

13.10. You agree to accept communications from Us in an electronic format, and agree that all terms, conditions, agreements, notices, disclosures or other communications that We provide to You electronically will be considered to be “in writing”.


14.Account Termination


14.1. Your right to close Your Account:

14.1.1. You may close Your Account at any time. These Terms will continue to apply to You after You close Your Account, and You will still be obligated to Us for any fees incurred, if applicable, before the closure and We will remit to You remaining funds,which have not been set off against any liabilities, according to Your instructions. If Your Account balance is below Our documented minimum transfer amount, You may be responsible for any applicable transactions fees that may be incurred in the funds transfer.

14.2. Our right to close Your Account:

14.2.1. We may terminate Your Account, at Our discretion, upon notice to You via email or phone communication. We may also suspend Your access to the Services if We suspect that You have failed to comply with these Terms, pose an unacceptable fraud risk to Us, or if You provide any false, incomplete, inaccurate or misleading information. We will not be liable to You for any losses that You incur in connection with Our closure or suspension of Your Account.

14.3. If Your account is closed, You agree: (a) to continue to be bound by these Terms, (b) to immediately stop using the Services, (c) that the license provided under these Terms shall end, (d) that We reserve the right (but have no obligation) to delete all of Your information and account data stored on Our servers, and (e) that We shall not be liable to You or any third party for termination of access to the Services or for deletion of Your information or Account data.